A snapshot of health insurance rates with super top-ups offered by banks

Here is how the health insurance rates offered by various banks stack up

Insurer & plan	Premium-base policy (~)	Total premium with Option 1 STU* (~)	Total premium with Option 2 STU** (~)
Care Health-NCB Super Premium	9,092	9,874	9,990
Max Bupa-Health ReAssure	9,590	10,372	10,488
Star Health-Medi Classic	9,661	10,443	10,559
HDFC Ergo Health-Optima Restore	11,575	12,357	12,473
HDFC Ergo-My:health Suraksha Gold Smart	13,886	14,668	14,784
Aditya Birla-Active Assure - Diamond	7,919	8,701	8,817
Digit-Maxima Restore Super	8,861	9,643	9,759
Bajaj Allianz-Individual Health Guard	12,213	12,995	13,111
SBI General-Arogya Premier	11,074	11,856	11,972
Royal Sundaram - Lifeline Supreme	8,578	9,360	9,456

Premium rates are for top 10 insurers offering health cover of Rs10 lakh on base policy. All rates are for a 30-year old male living in a metro. 

*Option 1 Super Top-up (STU) is Max Health Recharge with Rs 40 lakh sum insured, whose premium is Rs 782.

**Option 2 STU is Max Health Recharge with Rs 90 lakh sum insured, whose premium is Rs 898.