Leaderboards / Category Rankings

Best Insurance Coverage

Highest coverage amounts and broadest protection types. Emergency medical coverage weighted most heavily.

10 cards ranked | Updated February 2026

Key Ranking Factors

40% Medical

Emergency medical coverage

25% Accident

Personal accident coverage

20% Travel

Trip-related protection

15% Purchase

Purchase protection

🥇

HDFC World MasterCard

Lounge Access Rewards ₹500/yr

Fee waiver: ₹75K spend ₹0.3-0.8/₹100 rewards

Score

Score: 966

Top 10%

Score

Score: 966

Top 10%

🥈

HDFC Doctors Regalia

Healthcare Lifestyle ₹2,500/yr

₹1.3/₹100 rewards 12 lounge visits/yr 2.00% forex

Score

Score: 545

Top 20%

Score

Score: 545

Top 20%

🥉

HDFC Regalia Activ

Lifestyle Lounge Access ₹2,500/yr

₹1.3/₹100 rewards 12 lounge visits/yr 2.00% forex

Score

Score: 506

Top 30%

Score

Score: 506

Top 30%

HSBC Premier

Lounge Access Premium ₹20,000/yr

₹3.0-12.0/₹100 rewards Unlimited lounges 0.99% forex

Score

Score: 201

Top 40%

Score

Score: 201

Top 40%

SBI Card Prime Advantage

Lounge Access Premium ₹2,999/yr

₹0.5-5.0/₹100 rewards 8 lounge visits/yr

Score

Score: 145

Top 50%

Score

Score: 145

Top 50%

HDFC Giga Business

Business Entry Level ₹500/yr

Fee waiver: ₹50K spend ₹0.3-1.0/₹100 rewards

Score

Score: 47

Top 60%

Score

Score: 47

Top 60%

IRCTC HDFC Bank

Co-Branded Lounge Access ₹500/yr

₹1.0-5.0/₹100 rewards

Score

Score: 18

Top 70%

Score

Score: 18

Top 70%

PhonePe HDFC Bank Ultimo

Co-Branded Entry Level ₹999/yr

₹1.0-10.0/₹100 rewards 8 lounge visits/yr

Score

Score: 14

Top 80%

Score

Score: 14

Top 80%

Air India SBI Signature Card

Co-Branded Lounge Access ₹4,999/yr

₹2.0-5.0/₹100 rewards

Score

Score: 10

Top 90%

Score

Score: 10

Top 90%

SBI Card Elite Advantage

Dining Lifestyle ₹4,999/yr

₹0.5-2.5/₹100 rewards 2 lounge visits/yr 1.99% forex

Score

Score: 10

Top 90%

Score

Score: 10

Top 90%

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 better

Coverage Breadth

More types is better

What 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.

Learn more about our methodology