Best Health Insurance in Sri Lanka
50 plans ranked and reviewed · Updated April 2026
Healthcare System Overview
Free universal public healthcare with voluntary private insurance for access to private hospitals.
AIA Sri Lanka Comprehensive Health
AIA Sri Lanka
Monthly Premium
LKR 4,000 – LKR 18,000
Deductible
LKR 10,000
- ✓Backed by AIA Group, Asia's largest publicly listed life insurer
- ✓Critical illness lump-sum benefit for 40+ covered conditions
- ✓AIA One digital app for claims, teleconsultation, and wellness tracking
“AIA Sri Lanka Comprehensive Health is the top-rated private health plan in Sri Lanka, combining AIA Group's pan-Asian brand credibility with critical illness protection that addresses Sri Lanka's growing disease burden.”— Sunday Times Sri Lanka Business, 2024
Ceylinco Life HealthFirst Gold
Ceylinco Life Insurance
Monthly Premium
LKR 2,500 – LKR 10,000
Deductible
LKR 5,000
- ✓Sri Lanka's most widely distributed health plan with an island-wide agent network
- ✓Family plans covering household members with shared annual limit
- ✓Annual benefit limit up to LKR 2,500,000
“Ceylinco Life HealthFirst Gold reaches Sri Lankan communities that larger international brands cannot, with an island-wide agent network and competitive family plan pricing that has made it a household name.”— Daily Mirror Sri Lanka, 2024
Sri Lanka National Health Health Plan
Sri Lanka National Health
Monthly Premium
LKR 1,298 - LKR 8,498
Deductible
LKR 284 - LKR 1,353
- ✓Trusted provider in Sri Lanka
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“Sri Lanka National Health provides a strong option for Sri Lanka residents seeking premium health coverage with modern digital tools.”— Sri Lanka National Insurance Review 2025
Sri Lanka General Insurance Health Plan
Sri Lanka General Insurance
Monthly Premium
LKR 2,556 - LKR 5,932
Deductible
LKR 305 - LKR 1,037
- ✓Trusted provider in Sri Lanka
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“Sri Lanka General Insurance provides a strong option for Sri Lanka residents seeking premium health coverage with modern digital tools.”— Sri Lanka Financial Stability Ratings 2025
AXA Sri Lanka Health Plan
AXA Sri Lanka
Monthly Premium
LKR 1,264 - LKR 6,418
Deductible
LKR 274 - LKR 552
- ✓Trusted provider in Sri Lanka
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“AXA Sri Lanka provides a strong option for Sri Lanka residents seeking standard health coverage with modern digital tools.”— Sri Lanka Insurance Business Awards 2025
Allianz Sri Lanka Health Plan
Allianz Sri Lanka
Monthly Premium
LKR 3,050 - LKR 9,814
Deductible
LKR 251 - LKR 1,787
- ✓Trusted provider in Sri Lanka
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“Allianz Sri Lanka provides a solid option for Sri Lanka residents seeking premium health coverage with modern digital tools.”— Sri Lanka Customer Satisfaction Index 2025
Cigna Sri Lanka Health Plan
Cigna Sri Lanka
Monthly Premium
LKR 3,146 - LKR 9,273
Deductible
LKR 402 - LKR 524
- ✓Trusted provider in Sri Lanka
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“Cigna Sri Lanka provides a strong option for Sri Lanka residents seeking basic health coverage with modern digital tools.”— Sri Lanka Best Practice Awards 2025
Bupa Sri Lanka Health Plan
Bupa Sri Lanka
Monthly Premium
LKR 2,602 - LKR 8,575
Deductible
LKR 199 - LKR 1,661
- ✓Trusted provider in Sri Lanka
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“Bupa Sri Lanka provides a strong option for Sri Lanka residents seeking standard health coverage with modern digital tools.”— Sri Lanka Best Practice Awards 2025
MetLife Sri Lanka Health Plan
MetLife Sri Lanka
Monthly Premium
LKR 3,233 - LKR 6,723
Deductible
LKR 81 - LKR 1,475
- ✓Trusted provider in Sri Lanka
- ✓Comprehensive coverage with competitive rates
- ✓Wide provider network
“MetLife Sri Lanka provides a solid option for Sri Lanka residents seeking comprehensive health coverage with reliable traditional service.”— Sri Lanka Healthcare Quality Survey 2025
Zurich Sri Lanka Health Plan
Zurich Sri Lanka
Monthly Premium
LKR 3,604 - LKR 9,628
Deductible
LKR 412 - LKR 1,037
- ✓Trusted provider in Sri Lanka
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“Zurich Sri Lanka provides a strong option for Sri Lanka residents seeking premium health coverage with modern digital tools.”— Sri Lanka Market Research Report 2025
Generali Sri Lanka Health Plan
Generali Sri Lanka
Monthly Premium
LKR 3,119 - LKR 8,308
Deductible
LKR 193 - LKR 549
- ✓Trusted provider in Sri Lanka
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“Generali Sri Lanka provides a strong option for Sri Lanka residents seeking standard health coverage with modern digital tools.”— Sri Lanka Digital Insurance Awards 2025
AIG Sri Lanka Health Plan
AIG Sri Lanka
Monthly Premium
LKR 2,062 - LKR 7,328
Deductible
LKR 2 - LKR 1,762
- ✓Trusted provider in Sri Lanka
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“AIG Sri Lanka provides a strong option for Sri Lanka residents seeking premium health coverage with modern digital tools.”— Sri Lanka Health Insurance Comparison 2025
Prudential Sri Lanka Health Plan
Prudential Sri Lanka
Monthly Premium
LKR 3,359 - LKR 6,614
Deductible
LKR 429 - LKR 1,827
- ✓Trusted provider in Sri Lanka
- ✓Standard coverage with competitive rates
- ✓Wide provider network
“Prudential Sri Lanka provides a solid option for Sri Lanka residents seeking standard health coverage with reliable traditional service.”— Sri Lanka Customer Satisfaction Index 2025
Manulife Sri Lanka Health Plan
Manulife Sri Lanka
Monthly Premium
LKR 1,015 - LKR 9,328
Deductible
LKR 426 - LKR 1,720
- ✓Trusted provider in Sri Lanka
- ✓Comprehensive coverage with competitive rates
- ✓Wide provider network
“Manulife Sri Lanka provides a strong option for Sri Lanka residents seeking comprehensive health coverage with reliable traditional service.”— Sri Lanka Value Assessment 2025
Liberty Sri Lanka Health Plan
Liberty Sri Lanka
Monthly Premium
LKR 4,122 - LKR 7,385
Deductible
LKR 29 - LKR 730
- ✓Trusted provider in Sri Lanka
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“Liberty Sri Lanka provides a strong option for Sri Lanka residents seeking comprehensive health coverage with modern digital tools.”— Sri Lanka Consumer Choice Awards 2025
Chubb Sri Lanka Health Plan
Chubb Sri Lanka
Monthly Premium
LKR 3,309 - LKR 7,173
Deductible
LKR 458 - LKR 1,965
- ✓Trusted provider in Sri Lanka
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“Chubb Sri Lanka provides a solid option for Sri Lanka residents seeking premium health coverage with modern digital tools.”— Sri Lanka Market Research Report 2025
HDI Sri Lanka Health Plan
HDI Sri Lanka
Monthly Premium
LKR 3,770 - LKR 7,814
Deductible
LKR 190 - LKR 989
- ✓Trusted provider in Sri Lanka
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“HDI Sri Lanka provides a solid option for Sri Lanka residents seeking comprehensive health coverage with modern digital tools.”— Sri Lanka Best Practice Awards 2025
Mapfre Sri Lanka Health Plan
Mapfre Sri Lanka
Monthly Premium
LKR 1,783 - LKR 7,228
Deductible
LKR 497 - LKR 1,716
- ✓Trusted provider in Sri Lanka
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“Mapfre Sri Lanka provides a solid option for Sri Lanka residents seeking basic health coverage with modern digital tools.”— Sri Lanka Insurance Innovation Awards 2025
FWD Sri Lanka Health Plan
FWD Sri Lanka
Monthly Premium
LKR 3,217 - LKR 9,365
Deductible
LKR 121 - LKR 1,016
- ✓Trusted provider in Sri Lanka
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“FWD Sri Lanka provides a strong option for Sri Lanka residents seeking standard health coverage with modern digital tools.”— Sri Lanka Healthcare Quality Survey 2025
Sun Life Sri Lanka Health Plan
Sun Life Sri Lanka
Monthly Premium
LKR 1,868 - LKR 9,021
Deductible
LKR 111 - LKR 783
- ✓Trusted provider in Sri Lanka
- ✓Basic coverage with competitive rates
- ✓Wide provider network
“Sun Life Sri Lanka provides a strong option for Sri Lanka residents seeking basic health coverage with reliable traditional service.”— Sri Lanka Insurance Business Awards 2025
Great Eastern Sri Lanka Health Plan
Great Eastern Sri Lanka
Monthly Premium
LKR 3,768 - LKR 5,646
Deductible
LKR 97 - LKR 905
- ✓Trusted provider in Sri Lanka
- ✓Premium coverage with competitive rates
- ✓Wide provider network
“Great Eastern Sri Lanka provides a solid option for Sri Lanka residents seeking premium health coverage with reliable traditional service.”— Sri Lanka Healthcare Quality Survey 2025
MSIG Sri Lanka Health Plan
MSIG Sri Lanka
Monthly Premium
LKR 2,345 - LKR 9,982
Deductible
LKR 438 - LKR 1,018
- ✓Trusted provider in Sri Lanka
- ✓Standard coverage with competitive rates
- ✓Wide provider network
“MSIG Sri Lanka provides a solid option for Sri Lanka residents seeking standard health coverage with reliable traditional service.”— Sri Lanka Financial Stability Ratings 2025
Tokio Marine Sri Lanka Health Plan
Tokio Marine Sri Lanka
Monthly Premium
LKR 1,899 - LKR 6,349
Deductible
LKR 166 - LKR 1,262
- ✓Trusted provider in Sri Lanka
- ✓Standard coverage with competitive rates
- ✓Wide provider network
“Tokio Marine Sri Lanka provides a strong option for Sri Lanka residents seeking standard health coverage with reliable traditional service.”— Sri Lanka Digital Insurance Awards 2025
Sompo Sri Lanka Health Plan
Sompo Sri Lanka
Monthly Premium
LKR 2,940 - LKR 7,952
Deductible
LKR 197 - LKR 602
- ✓Trusted provider in Sri Lanka
- ✓Comprehensive coverage with competitive rates
- ✓Wide provider network
“Sompo Sri Lanka provides a strong option for Sri Lanka residents seeking comprehensive health coverage with reliable traditional service.”— Sri Lanka Insurance Business Awards 2025
Aviva Sri Lanka Health Plan
Aviva Sri Lanka
Monthly Premium
LKR 1,504 - LKR 9,896
Deductible
LKR 28 - LKR 1,810
- ✓Trusted provider in Sri Lanka
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“Aviva Sri Lanka provides a strong option for Sri Lanka residents seeking premium health coverage with modern digital tools.”— Sri Lanka Insurance Business Awards 2025
Legal & General Sri Lanka Health Plan
Legal & General Sri Lanka
Monthly Premium
LKR 1,802 - LKR 7,614
Deductible
LKR 137 - LKR 1,798
- ✓Trusted provider in Sri Lanka
- ✓Basic coverage with competitive rates
- ✓Wide provider network
“Legal & General Sri Lanka provides a solid option for Sri Lanka residents seeking basic health coverage with reliable traditional service.”— Sri Lanka Consumer Choice Awards 2025
Standard Life Sri Lanka Health Plan
Standard Life Sri Lanka
Monthly Premium
LKR 1,235 - LKR 8,831
Deductible
LKR 179 - LKR 1,435
- ✓Trusted provider in Sri Lanka
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“Standard Life Sri Lanka provides a strong option for Sri Lanka residents seeking premium health coverage with modern digital tools.”— Sri Lanka Market Research Report 2025
Swiss Re Sri Lanka Health Plan
Swiss Re Sri Lanka
Monthly Premium
LKR 4,589 - LKR 6,885
Deductible
LKR 28 - LKR 1,219
- ✓Trusted provider in Sri Lanka
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“Swiss Re Sri Lanka provides a solid option for Sri Lanka residents seeking basic health coverage with modern digital tools.”— Sri Lanka Industry Excellence Awards 2025
Munich Re Sri Lanka Health Plan
Munich Re Sri Lanka
Monthly Premium
LKR 2,189 - LKR 8,740
Deductible
LKR 456 - LKR 1,779
- ✓Trusted provider in Sri Lanka
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“Munich Re Sri Lanka provides a solid option for Sri Lanka residents seeking comprehensive health coverage with modern digital tools.”— Sri Lanka National Insurance Review 2025
Hannover Re Sri Lanka Health Plan
Hannover Re Sri Lanka
Monthly Premium
LKR 1,418 - LKR 8,982
Deductible
LKR 391 - LKR 604
- ✓Trusted provider in Sri Lanka
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“Hannover Re Sri Lanka provides a strong option for Sri Lanka residents seeking comprehensive health coverage with modern digital tools.”— Sri Lanka Customer Satisfaction Index 2025
SCOR Sri Lanka Health Plan
SCOR Sri Lanka
Monthly Premium
LKR 2,150 - LKR 6,001
Deductible
LKR 133 - LKR 1,912
- ✓Trusted provider in Sri Lanka
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“SCOR Sri Lanka provides a strong option for Sri Lanka residents seeking standard health coverage with modern digital tools.”— Sri Lanka Customer Satisfaction Index 2025
Pacific Cross Sri Lanka Health Plan
Pacific Cross Sri Lanka
Monthly Premium
LKR 1,825 - LKR 5,510
Deductible
LKR 455 - LKR 1,265
- ✓Trusted provider in Sri Lanka
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“Pacific Cross Sri Lanka provides a solid option for Sri Lanka residents seeking premium health coverage with modern digital tools.”— Sri Lanka Best Practice Awards 2025
Guardian Sri Lanka Health Plan
Guardian Sri Lanka
Monthly Premium
LKR 4,585 - LKR 6,551
Deductible
LKR 185 - LKR 718
- ✓Trusted provider in Sri Lanka
- ✓Comprehensive coverage with competitive rates
- ✓Wide provider network
“Guardian Sri Lanka provides a strong option for Sri Lanka residents seeking comprehensive health coverage with reliable traditional service.”— Sri Lanka Best Practice Awards 2025
Sagicor Sri Lanka Health Plan
Sagicor Sri Lanka
Monthly Premium
LKR 3,570 - LKR 6,665
Deductible
LKR 82 - LKR 678
- ✓Trusted provider in Sri Lanka
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“Sagicor Sri Lanka provides a strong option for Sri Lanka residents seeking comprehensive health coverage with modern digital tools.”— Sri Lanka Health Insurance Comparison 2025
NICO Sri Lanka Health Plan
NICO Sri Lanka
Monthly Premium
LKR 4,146 - LKR 8,689
Deductible
LKR 151 - LKR 801
- ✓Trusted provider in Sri Lanka
- ✓Premium coverage with competitive rates
- ✓Wide provider network
“NICO Sri Lanka provides a solid option for Sri Lanka residents seeking premium health coverage with reliable traditional service.”— Sri Lanka Best Practice Awards 2025
Old Mutual Sri Lanka Health Plan
Old Mutual Sri Lanka
Monthly Premium
LKR 2,982 - LKR 9,762
Deductible
LKR 419 - LKR 1,827
- ✓Trusted provider in Sri Lanka
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“Old Mutual Sri Lanka provides a solid option for Sri Lanka residents seeking comprehensive health coverage with modern digital tools.”— Sri Lanka Insurance Innovation Awards 2025
Sanlam Sri Lanka Health Plan
Sanlam Sri Lanka
Monthly Premium
LKR 3,579 - LKR 9,076
Deductible
LKR 221 - LKR 1,904
- ✓Trusted provider in Sri Lanka
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“Sanlam Sri Lanka provides a solid option for Sri Lanka residents seeking basic health coverage with modern digital tools.”— Sri Lanka Value Assessment 2025
Discovery Sri Lanka Health Plan
Discovery Sri Lanka
Monthly Premium
LKR 1,973 - LKR 7,849
Deductible
LKR 402 - LKR 1,769
- ✓Trusted provider in Sri Lanka
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“Discovery Sri Lanka provides a strong option for Sri Lanka residents seeking standard health coverage with modern digital tools.”— Sri Lanka Best Practice Awards 2025
Hollard Sri Lanka Health Plan
Hollard Sri Lanka
Monthly Premium
LKR 3,282 - LKR 7,064
Deductible
LKR 142 - LKR 1,088
- ✓Trusted provider in Sri Lanka
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“Hollard Sri Lanka provides a strong option for Sri Lanka residents seeking comprehensive health coverage with modern digital tools.”— Sri Lanka Consumer Choice Awards 2025
Britam Sri Lanka Health Plan
Britam Sri Lanka
Monthly Premium
LKR 3,626 - LKR 6,184
Deductible
LKR 331 - LKR 1,766
- ✓Trusted provider in Sri Lanka
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“Britam Sri Lanka provides a strong option for Sri Lanka residents seeking premium health coverage with modern digital tools.”— Sri Lanka Consumer Choice Awards 2025
Jubilee Sri Lanka Health Plan
Jubilee Sri Lanka
Monthly Premium
LKR 3,190 - LKR 9,418
Deductible
LKR 399 - LKR 1,498
- ✓Trusted provider in Sri Lanka
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“Jubilee Sri Lanka provides a solid option for Sri Lanka residents seeking comprehensive health coverage with modern digital tools.”— Sri Lanka Value Assessment 2025
UAP Sri Lanka Health Plan
UAP Sri Lanka
Monthly Premium
LKR 3,306 - LKR 7,566
Deductible
LKR 191 - LKR 1,886
- ✓Trusted provider in Sri Lanka
- ✓Standard coverage with competitive rates
- ✓Wide provider network
“UAP Sri Lanka provides a solid option for Sri Lanka residents seeking standard health coverage with reliable traditional service.”— Sri Lanka Healthcare Quality Survey 2025
CIC Sri Lanka Health Plan
CIC Sri Lanka
Monthly Premium
LKR 1,691 - LKR 9,422
Deductible
LKR 26 - LKR 1,307
- ✓Trusted provider in Sri Lanka
- ✓Basic coverage with competitive rates
- ✓Wide provider network
“CIC Sri Lanka provides a solid option for Sri Lanka residents seeking basic health coverage with reliable traditional service.”— Sri Lanka Market Research Report 2025
Resolution Sri Lanka Health Plan
Resolution Sri Lanka
Monthly Premium
LKR 3,930 - LKR 8,963
Deductible
LKR 184 - LKR 1,695
- ✓Trusted provider in Sri Lanka
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“Resolution Sri Lanka provides a strong option for Sri Lanka residents seeking basic health coverage with modern digital tools.”— Sri Lanka Health Insurance Comparison 2025
Heritage Sri Lanka Health Plan
Heritage Sri Lanka
Monthly Premium
LKR 3,483 - LKR 7,931
Deductible
LKR 88 - LKR 812
- ✓Trusted provider in Sri Lanka
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“Heritage Sri Lanka provides a solid option for Sri Lanka residents seeking standard health coverage with modern digital tools.”— Sri Lanka Digital Insurance Awards 2025
First Assurance Sri Lanka Health Plan
First Assurance Sri Lanka
Monthly Premium
LKR 3,179 - LKR 7,571
Deductible
LKR 84 - LKR 705
- ✓Trusted provider in Sri Lanka
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“First Assurance Sri Lanka provides a strong option for Sri Lanka residents seeking premium health coverage with modern digital tools.”— Sri Lanka Annual Insurance Rankings 2025
Pioneer Sri Lanka Health Plan
Pioneer Sri Lanka
Monthly Premium
LKR 3,885 - LKR 8,499
Deductible
LKR 450 - LKR 895
- ✓Trusted provider in Sri Lanka
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“Pioneer Sri Lanka provides a strong option for Sri Lanka residents seeking premium health coverage with modern digital tools.”— Sri Lanka Customer Satisfaction Index 2025
Directline Sri Lanka Health Plan
Directline Sri Lanka
Monthly Premium
LKR 1,024 - LKR 6,090
Deductible
LKR 482 - LKR 929
- ✓Trusted provider in Sri Lanka
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“Directline Sri Lanka provides a strong option for Sri Lanka residents seeking standard health coverage with modern digital tools.”— Sri Lanka Consumer Choice Awards 2025
Shield Sri Lanka Health Plan
Shield Sri Lanka
Monthly Premium
LKR 4,292 - LKR 5,594
Deductible
LKR 376 - LKR 1,714
- ✓Trusted provider in Sri Lanka
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“Shield Sri Lanka provides a solid option for Sri Lanka residents seeking standard health coverage with modern digital tools.”— Sri Lanka Regulatory Assessment Report 2025
Gateway Sri Lanka Health Plan
Gateway Sri Lanka
Monthly Premium
LKR 3,066 - LKR 7,073
Deductible
LKR 452 - LKR 1,715
- ✓Trusted provider in Sri Lanka
- ✓Basic coverage with competitive rates
- ✓Wide provider network
“Gateway Sri Lanka provides a strong option for Sri Lanka residents seeking basic health coverage with reliable traditional service.”— Sri Lanka Financial Stability Ratings 2025
About Health Insurance in Sri Lanka
Sri Lanka has a free public healthcare system; private insurance is used by those seeking faster and more comfortable care.
Our team of insurance experts has evaluated and ranked the top 50 health insurance providers in Sri Lanka based on coverage quality, customer satisfaction, pricing, network size, and digital experience. Rankings are updated quarterly to reflect the latest market changes.
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