Best Insurance Coverage
Highest coverage amounts and broadest protection types. Emergency medical coverage weighted most heavily.
256 cards ranked | Updated December 2025
Key Ranking Factors
Emergency medical coverage
Personal accident coverage
Trip-related protection
Purchase protection
Score: 3288
Mastercard Celesta
Score: 3116
Score: 3116
American Express Centurion
Score: 1860
American Express Platinum
Score: 1460
Score: 1411
Yes Bank RESERV
Score: 1000
Priority Visa Infinite
Score: 824
Score: 818
BOBCARD Eterna Credit Card
Score: 748
Score: 711
Score: 710
Score: 679
American Express Platinum Charge
Score: 655
Score: 616
Score: 616
Score: 611
IndusInd Pioneer Heritage
Score: 526
Score: 524
HDFC Regalia Gold
Score: 506
Score: 504
Axis Bank Vistara Infinite
Score: 496
BOBCARD Premier Credit Card
Score: 462
HDFC Diners Club Black Metal Edition
Score: 432
HDFC BizBlack
Score: 432
Emirates Skywards ICICI Emeralde
Score: 432
Score: 432
Kotak Privy League Signature
Score: 425
Score: 405
HDFC Diners Club Privilege Plus
Score: 391
Premier Mastercard
Score: 380
Times Black ICICI Bank
Score: 360
Score: 360
Score: 338
Score: 333
YES First Exclusive
Score: 333
American Express Platinum Reserve
Score: 306
American Express Platinum Travel
Score: 306
Score: 306
Emirates Skywards ICICI Sapphiro
Score: 306
Emirates World Credit Card
Score: 299
Score: 288
RBL Bank LUMIÈRE
Score: 288
Score: 280
Score: 260
About Insurance Rankings
Credit card insurance can provide valuable protection without buying separate policies. Emergency medical coverage abroad is particularly valuable—hospital costs in the US or Europe can be devastating without coverage.
How We Rank Insurance
Coverage types weighted by value:
- Emergency medical (4x): Critical for international travel
- Personal accident (2.5x): High-value protection
- Travel insurance (2x): Trip delays, baggage, cancellation
- Purchase protection (1.5x): Useful for expensive purchases
Cards with broader coverage across multiple types score higher.
Coverage Amount
Higher is betterCoverage Breadth
More types is betterWhat Makes Good Insurance
- High medical coverage: ₹50L+ for international travel
- Low deductibles: Check what you pay out of pocket first
- Clear terms: Understand exclusions and claim procedures
- Automatic activation: Coverage that starts automatically is better
Who Needs Card Insurance
- International travelers without separate travel insurance
- Those making expensive purchases (electronics, etc.)
- Anyone wanting additional accident coverage
Using Card Insurance
- Read the policy: Understand coverage limits and exclusions
- Keep documentation: Save receipts and records for claims
- Notify promptly: Report incidents within required timeframes
- Compare with standalone: Card insurance may supplement but not replace dedicated policies
Insurance FAQ
Is credit card travel insurance enough?
For short trips with basic needs, yes. For extended travel, adventure activities, or high-value coverage needs, consider supplementing with standalone travel insurance.
Bottom Line
Card insurance adds valuable protection at no extra cost. Prioritize cards with strong emergency medical coverage if you travel internationally. Always read policy terms to understand what's actually covered.