You are covered — until the day you resign
For just started earning — typically age 22–28.
Group cover from your employer feels like a solved problem. It is the single most common gap we fix, because it disappears exactly when your income does.
What is actually at risk
Your group cover ends the day you leave
Employer health cover is not portable. It does not follow you to the next job, it does not cover you through a notice period gap, and it ends immediately if you are laid off — which is the exact moment a hospital bill would hurt most.
You have aged off your parents' family floater
Most family floaters drop dependent children at 25. Many people discover this at a claim, not at renewal. If nobody has bought you a plan in your own name, you are uninsured and do not know it yet.
Waiting periods only start counting once you buy
Every health policy makes you wait 2–3 years before pre-existing and named illnesses are covered. Those years pass whether or not you have a policy — so the cheapest year to start serving them is this one, while you are healthy and premiums are at their lowest.
A 25-year-old pays ₹10,149/yr — the same cover at 45 costs several times more
Plans that fit this stage
| Plan | Why this one | Score | CSR |
|---|---|---|---|
| Aditya Birla Health Activ One MAX | Cheapest health cover on our list | 4.4 / 5 | 96.25% |
| Bajaj Life eTouch II | Cheapest ₹2 Cr term cover | 4.2 / 5 | 99.32% |
| Niva Bupa ReAssure 2.0 Platinum+ | Rewards buying young — locks in your entry age | 4.3 / 5 | 92.92% |
Aditya Birla Health settles 96.25% of claims and draws 18.67 complaints per 10,000 — which is why it leads this list rather than the cheapest option doing so.
Scores are plan features 45%, insurer strength 45%, premium 10% — how we score plans.
Frequently asked questions
What insurance do I need just started earning?
Group cover from your employer feels like a solved problem. It is the single most common gap we fix, because it disappears exactly when your income does. We would start with Aditya Birla Health Activ One MAX — cheapest health cover on our list.
Your group cover ends the day you leave?
Employer health cover is not portable. It does not follow you to the next job, it does not cover you through a notice period gap, and it ends immediately if you are laid off — which is the exact moment a hospital bill would hurt most.
You have aged off your parents' family floater?
Most family floaters drop dependent children at 25. Many people discover this at a claim, not at renewal. If nobody has bought you a plan in your own name, you are uninsured and do not know it yet.
Compare for yourself
Best health insurance plans Best term life insurance plans · How we score
Disclaimer: Figures shown here are compiled from IRDAI annual reports and public grievance disclosures, and from insurer public disclosures and policy wordings. Claim settlement ratios and complaint volumes are three-year averages for FY 2024–26. Premiums are indicative illustrations for the stated profile, not quotes — your actual premium depends on your age, health, city, habits and underwriting. Scores are Myinsurancebro's own assessment. Always read the official policy document and speak to an advisor before buying. Myinsurancebro is an IRDAI-licensed insurance advisor — we do not manufacture or underwrite any insurance product.