Compare term, health, life, car, and travel insurance. We track claim settlement ratios so you can choose with confidence.
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Term life, health, motor, travel from IRDAI-licensed insurers. Filter by premium, sum-assured, claim-settlement-ratio.
HDFC ERGO Optima Secure adds restoration 2.0
Same-illness restore now available (was family-only). Premium hike ~5% on new policies; renewals unaffected until Nov.
IRDAI updates claim-settlement ratio reporting format
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
Term insurance premiums drop 8-12% across top insurers
Competition intensifying. ₹1 Cr cover at age 30 now ₹620/mo (HDFC), ₹650/mo (Max Life). Lock in long tenure.
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Term vs Whole Life Insurance
Pure protection vs savings — what makes sense at your age?
Head to head
LIC vs HDFC Life Term Plan
CSR, premium, and claim speed compared head-to-head
Head to head
Health Insurance: Star vs ICICI Lombard
Network hospitals, room limits, and no-claim bonus
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Individual vs Family Floater
When a family plan saves money — and when it doesn't
Head to head
Company Insurance vs Own Policy
Why employer cover alone isn't enough
Head to head
ULIPs vs Term + Mutual Fund
Insurance + investment combo vs buying separately
Editorial — read first
Max Life
Highest CSR in the Indian life insurance market for FY24-25. Includes terminal-illness cover at no extra premi
HDFC Life
Pure term cover with the highest CSR among private insurers (98.6% in IRDAI's FY24-25 report). Premium for ₹1
HDFC ERGO
Comprehensive family floater plan with 100% restoration on same-illness claims (a rarity in 2026). No co-pay u
ICICI Prudential
Highest cover ceiling in market (up to ₹50 Cr). Optional critical-illness rider covers 34 conditions.
Acko
Direct-to-consumer pricing (no agent commission) makes Acko 15-25% cheaper than legacy insurers for the same c
Star Health
Long-running health plan with maternity coverage built in (most plans need a rider). Highest network hospital
Tata AIG
Schengen-compliant travel cover with adventure-sports inclusion (skiing, scuba, trekking). Direct global hospi
Acko
Digital-first health insurance with the lowest premium in its cover bracket (₹10L–₹2Cr). Cashless claims via a
Editorial
Insurance · 24 May 2026
Cover amount, tenure, claim settlement ratio, solvency, riders, premium — 6 axes to evaluate any term plan. Apply this framework + you can rank 12 IRDAI-licensed term insurers in 30 minutes.
By InvestingPro Insurance Desk
Insurance · 4 May 2026
Explore the best health insurance floater plans for a family of 4 under Rs 20,000. Discover coverage options, benefits, and tips to choose the right plan.
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Insurance · 4 May 2026
Discover how health insurance co-payments work and why your claim payout may be lower than anticipated. Learn to navigate your policy for better clarity.
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Insurance · 4 May 2026
Learn how to renew your expired two-wheeler insurance without penalties. Discover easy steps and tips to get back on the road safely and legally.
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Insurance · 4 May 2026
Explore key differences between LIC and private term insurance, focusing on claim settlement rates, premium costs, and trustworthiness for informed decision-mak
By InvestingPro Insurance Desk
Insurance · 4 May 2026
Discover the key differences between critical illness insurance and health insurance. Learn why having both may be essential for your financial security.
By InvestingPro Insurance Desk
Insurance · 4 May 2026
Discover how to switch health insurers without losing your benefits. Learn key steps and tips for a smooth transition while maintaining your coverage.
By InvestingPro Insurance Desk
Insurance · 4 May 2026
Discover how to use a Car Insurance IDV Calculator to determine your vehicle's actual insured value. Protect your car with accurate coverage today!
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Insurance · 4 May 2026
Discover the benefits of Super Top-Up Health Insurance compared to a higher base plan. Learn if it's the right choice for your financial protection and health n
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Before you buy
Concept
What CSR actually measures, why health is lower than term, and how to use CSR + ICR + Solvency together.
Read guide →
Glossary
Sum insured vs cover, sub-limit vs deductible vs co-pay, restoration vs refill — decoded with examples.
Read guide →
Reality check
Term-vs-endowment math, LIC-vs-private CSR, ULIPs decoded — with Section + IRDAI citations.
Read guide →
Switch insurers
IRDAI 2020 45-day rules + what transfers (PED + NCB) + rejection grounds. Term portability myth busted.
Read guide →
Persona
Senior-specific plans (Star Red Carpet 75+) + 1-yr PED waiting + Section 80D ₹50K bonus.
Read guide →
Persona
NRE vs NRO premium payment + Section 195 TDS + claim repatriation under FEMA.
Read guide →
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.