Comparison Table – Top 10 Cheap Health Insurance Plans (2025)
| Plan Name | Starting Price (Monthly) | Key Benefits | Ideal For |
|---|---|---|---|
| MediSave Lite | $29 | Hospital + emergency cover | Students |
| Star Health Budget Plan | ₹300/month | Outpatient + in-patient cover | India low-income |
| BlueCross Bronze Saver | $41 | Basic coverage + preventive care | US citizens |
| Max Bupa GoActive | ₹435/month | OPD, checkups, diagnostics | Indian youth |
| Care Health Plan 1 Lakh | ₹250/month | Basic hospitalization | Entry-level buyers |
| ICICI Lombard iHealth | ₹399/month | Specialist consultation + medicines | Working adults |
| Kaiser Permanente Bronze 60 | $55 | Lab tests, urgent care | California (USA) |
| Bajaj Allianz Health Ensure | ₹315/month | Emergency + daycare treatment | Indian freelancers |
| Medicaid (USA) | Free/Low | Full essential services | Low-income families |
| Ayushman Bharat Yojana (India) | Free | Government scheme for poor families | Rural India |
What to Look for in a Cheap Health Insurance Plan
Before you buy, always check:
- ✅ Premiums – Monthly cost
- ✅ Coverage – What’s included: hospitalization, outpatient, etc.
- ✅ Network Hospitals – Can you use it near your location?
- ✅ Co-pay or Deductibles – How much you pay before insurance kicks in
- ✅ Claim Process – Is it fast and cashless?
Pros and Cons of Cheap Health Insurance
✅ Pros:
- Low monthly premium
- Basic coverage for emergencies
- Often comes with online application
- Can upgrade later
❌ Cons:
- Limited hospitals or doctors
- May not cover maternity or pre-existing conditions
- Higher co-pays or deductibles
