Why compare insurance?
Premiums for the same cover can vary by 30–40% across insurers. Claim settlement ratio, network hospitals and sub-limits matter as much as price.
Choosing a health plan
- Cover of at least ₹10 Lakh for metro cities
- No room-rent capping or disease-wise sub-limits
- Short waiting period for pre-existing diseases
- Restore / recharge benefit for family floaters
Choosing a term plan
- Cover of 10–15× your annual income
- Policy term till retirement age or later
- Claim settlement ratio above 98%
- Critical illness and waiver-of-premium riders