Best Insurance Plans in India
Compare term, health, life, car, and travel insurance. We track claim settlement ratios so you can choose with confidence.
| Cover | Network | Claim Speed | ||||
|---|---|---|---|---|---|---|
Smart Secure Plus Max Life · term | Quote | N/A | N/A | N/A | 5-7 days | Details → |
Optima Secure HDFC ERGO · health | Quote | N/A | N/A | N/A | 5-7 days | Details → |
Click 2 Protect Super HDFC Life · term | Quote | N/A | N/A | N/A | 5-7 days | Details → |
iProtect Smart ICICI Prudential · term | Quote | N/A | N/A | N/A | 5-7 days | Details → |
Acko Platinum Health Plan Acko · health | Quote | N/A | N/A | N/A | 5-7 days | Details → |
ICICI Lombard Car Insurance ICICI Lombard · motor | Quote | N/A | N/A | N/A | 5-7 days | Details → |
What changed. What it means.
- News·21 Apr 2026
Same-illness restore now available (was family-only). Premium hike ~5% on new policies; renewals unaffected until Nov.
- Policy·18 Apr 2026
Now split by product type (term vs health vs motor). Top 5 term insurers: Max Life 99.3%, HDFC 98.6%, LIC 98.7%.
Source: IRDAI Annual Report 2025-26
- Rate Change·17 Apr 2026
Competition intensifying. ₹1 Cr cover at age 30 now ₹620/mo (HDFC), ₹650/mo (Max Life). Lock in long tenure.
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How We Compare
98%+
CSR threshold
We highlight plans with excellent claim settlement ratios
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Insurers tracked
IRDAI-regulated companies with public claims data
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CSR, network hospitals, and premiums updated from IRDAI filings
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No insurer pays for higher ranking. CSR and claims data drive all rankings.
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Regulated by Insurance Regulatory and Development Authority of India.
Insurance products in India (life, health, motor, term) are issued by insurers licensed by IRDAI. Policy issuance, premiums, sum assured, exclusions, waiting periods, and claim settlement are governed by the policy document and IRDAI regulations. Premiums shown are indicative; final premium depends on age, sum assured, riders, medical history, and underwriting.
Risk note: Read the policy wording, exclusions, and claim-settlement ratio carefully before purchase. We are NOT an IRDAI-registered insurance broker; for advice consult an IRDAI-licensed agent or broker.
InvestingPro is an independent comparison and education platform. We are NOT a SEBI-registered investment advisor, IRDAI-licensed insurance broker, or RBI-licensed lending intermediary. We may earn affiliate commission when you click through to a partner — see how we make money. For personalised advice consult a registered advisor.