Insurance that actually pays out
Compare term, health, motor and travel policies from top Indian insurers — ranked by claim-settlement ratio, not just premium.
🛡️
Term Life Insurance
₹1 Cr cover from ₹450/mo
Compare plans →
❤️
Health Insurance
Family cover from ₹650/mo
Compare plans →
🚗
Motor (Car) Insurance
Comprehensive from ₹2,800
Compare plans →
✈️
Travel Insurance
International from ₹399
Compare plans →
Free expert advice
Get the right cover — without the agent's commission
Our IRDAI-licensed advisor calls you with a side-by-side comparison. Free, no obligation.
- ✓ 50+ partner lenders
- ✓ No paperwork upfront
- ✓ Best-rate guarantee
- ✓ RBI-compliant process
Frequently Asked Questions
Which is the best term insurance plan in India for 2026?
For pure protection at the lowest premium, HDFC Life Click 2 Protect Super, ICICI Pru iProtect Smart, and Max Life Smart Secure Plus consistently top our list. All three have claim-settlement ratios above 98%.
How much term insurance cover do I need?
Rule of thumb: 15–20× your annual income, adjusted for inflation. A 30-year-old earning ₹12 LPA should buy a ₹1.5–2 Cr term plan with a 30-year tenure.
Is online health insurance cheaper than offline?
Yes. Online policies skip the agent commission (typically 15%–20%), so premiums are 10%–15% lower for the same cover and benefits.
What is a claim settlement ratio? Why does it matter?
The claim settlement ratio (CSR) is the % of claims an insurer paid out of those filed in a year. A higher CSR (98%+) means your nominee is more likely to receive the money without disputes.
Can I port my health insurance to another insurer?
Yes. Under IRDAI rules, you can port your existing health policy to a new insurer at renewal without losing waiting-period benefits. Apply at least 45 days before renewal.