Term life, health, motor and travel insurance compared on claim settlement ratio, waiting periods and exclusions — the three things that decide whether a policy pays.
Cover is bought on price and claimed on wording, and those are not the same document. Two decisions carry most of the money: how much term insurance your dependants would actually need, and whether a health insurance policy’s room-rent cap and waiting periods leave anything for you to claim. Cover for a shop, a fleet or a professional practice sits with the rest of the small business section. Every ranking below is computed rather than curated, and the weights are published in our rating methodology.
Rankings and comparisons
Choosing the best car insurance involves more than just the lowest premium
Rider or standalone: which critical illness route wins, why the condition count misleads, and the IRDAI rules that decide your claim.
One sum insured across the family — when the structure works, when it fails, and what IRDAI guarantees you either way.
Finding the best health insurance involves more than just comparing premiums
Structure versus contents, and why Bharat Griha Raksha changed the comparison.
Maternity cover carries a waiting period of two years or more, and a sub-limit that is often smaller than the hospital bill. Buy it before you plan, or use the employer policy.
Entry age, co-pay and room rent sub-limits decide what a senior citizen policy pays — not the sum insured on the brochure.
Claim settlement ratios for 4 life insurers, from IRDAI data — the number that decides whether a term policy pays, and the two things that matter more than which insurer you pick.
Super top-up beats plain top-up in almost every case — how the deductible works, and the waiting periods a top-up does not remove.
Choosing the best travel insurance requires looking beyond the advertised daily premium
IRDAI's one-hour and three-hour clock on cashless claims, the paperwork each route needs, and the 60-month moratorium.
Buy term and invest the difference — why an endowment policy structurally cannot beat PPF, and where a ULIP genuinely fits.
Third-party is the legal minimum and pays nothing towards your own vehicle. What the extra premium on comprehensive actually buys.
How to
Two methods for sizing a term plan, what each one assumes, and why the income multiple you were told is a starting point rather than an answer.
The claim sequence step by step — intimation, the 72-hour surveyor rule, cashless versus reimbursement, and when you actually need an FIR.
Non-disclosure is the main reason a life insurance claim fails, and Section 45 sets the three-year clock that decides whether the insurer can still contest it.
Guides and explainers
Who qualifies for the ₹5 lakh cover, what it pays for, and how to find an empanelled hospital.
Finding the best bike insurance involves more than just the lowest premium.
How a business claim is actually settled, and the sum insured mistake that cuts most payouts.
IRDAI individual death claim data insurer by insurer, how to read it, and the misreading that makes people buy the wrong term plan.
RBI already caps your liability on an unauthorised bank transaction. Know that rule before you pay for a cyber policy.
What an EV policy must cover that a petrol one need not: battery, charger and the third-party discount.
How much premium an insurer pays out in claims, what a good ratio looks like, and how it differs from the settlement ratio.
Switch health insurer at renewal and keep the waiting periods you have already served.
What IDV is, the depreciation schedule that fixes it, and why a low IDV makes a write-off more likely.
IRDAI claim settlement data by insurer, why a 96% ratio can beat a 99% one, and why this page carries no star ratings.
The 30-day free-look period, nomination rules, and how to win at the Insurance Ombudsman.
The 20% to 50% NCB scale, why it is yours and not your car's, and how to carry it to a new vehicle.
The routes to accident cover, ranked — starting with the government's ₹20-a-year scheme, and why there is no product leaderboard.
What an IRDAI-filed pet policy actually pays, why the caps are small, and when self-insuring your dog is the better answer.
The statutory 36-month cap on PED waiting periods, the 60-month moratorium, and where to find your own number.
How proportionate deduction shrinks a health claim, and the three expense heads it is not allowed to touch.
Buying an Indian term policy from abroad, and why the premium account decides whether the payout can leave India.
Your term insurance premium calculator helps estimate costs for financial security
Buy a bigger base cover before you buy any rider. Waiver of premium is the one that usually earns its cost.
What the standard policy deducts from a replaced part, and why the add-on stops paying after about five years.
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