Insurance · 31 May 2026
International Travel Insurance: USA, UK & UAE Cover Compared (2026)
Travel insurance needs change by destination. A 2026 guide to USA, UK, UAE and Schengen cover rules, how much medical cover to buy, and what to avoid.
Best Insurance Plans in India
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.
This Week in Indian Money
What changed. What it means.
News·21 Apr 2026HDFC 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.
Policy·18 Apr 2026IRDAI 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
Rate Change·17 Apr 2026Term 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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Head to head
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
Head to head
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
In-depth insurance reviews
Max Life
Max Life
Smart Secure Plus Review
Highest CSR in the Indian life insurance market for FY24-25. Includes terminal-illness cover at no extra premi
4.7 / 5
HDFC Life
HDFC Life
Click 2 Protect Super Review
Pure term cover with the highest CSR among private insurers (98.6% in IRDAI's FY24-25 report). Premium for ₹1
4.6 / 5
HDFC ERGO
HDFC ERGO
Optima Secure Review
Comprehensive family floater plan with 100% restoration on same-illness claims (a rarity in 2026). No co-pay u
4.5 / 5
ICICI Prudential
ICICI Prudential
iProtect Smart Review
Highest cover ceiling in market (up to ₹50 Cr). Optional critical-illness rider covers 34 conditions.
4.4 / 5
Acko
Acko
Acko Comprehensive Car Insurance Review
Direct-to-consumer pricing (no agent commission) makes Acko 15-25% cheaper than legacy insurers for the same c
4.4 / 5
Star Health
Star Health
Star Comprehensive Insurance Policy Review
Long-running health plan with maternity coverage built in (most plans need a rider). Highest network hospital
4.3 / 5
Tata AIG
Tata AIG
International Travel Insurance Review
Schengen-compliant travel cover with adventure-sports inclusion (skiing, scuba, trekking). Direct global hospi
4.3 / 5
Acko
Acko
Acko Platinum Health Plan Review
Digital-first health insurance with the lowest premium in its cover bracket (₹10L–₹2Cr). Cashless claims via a
4.2 / 5
Editorial
The latest in insurance
Insurance · 30 May 2026
Travel Insurance for Senior Citizens: Pre-Existing Cover Abroad (2026)
Travel insurance matters most for senior travellers and costs the most. How age changes premiums and caps, pre-existing cover, and which insurers cover older travellers.
Insurance · 29 May 2026
Student Travel Insurance for Studying Abroad: India Guide (2026)
Studying abroad needs a special student travel plan covering study interruption, sponsor protection and tuition. Where it is mandatory, best plans and costs.
Insurance · 28 May 2026
Best Travel Insurance in India 2026: Compare Coverage, Premiums & Claims
An honest 2026 comparison of India's leading travel insurers — what each covers, claim records, single-trip vs annual vs student plans, and how to choose.
Insurance · 27 May 2026
Travel Insurance for Schengen Visa: India Requirements & Best Plans (2026)
Travel insurance is a legal requirement for a Schengen visa. Here is exactly what your policy must cover under EU law, what it costs from India in 2026, and which plans get accepted.
Insurance · 26 May 2026
What is No Claim Bonus in Health Insurance? (India 2026 — Insurer-by-Insurer)
No Claim Bonus (NCB) = extra sum insured you get free for not claiming. Top Indian insurers offer 25-100% NCB per claim-free year, with cumulative caps of 100-200%. Here's the 2026 schedule.
By InvestingPro Insurance Desk
Insurance · 24 May 2026
How to Choose the Best Term Insurance Plan in India (2026 Framework)
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
Health Insurance for Family of 4: Best Floater Plans Under Rs 20,000 Premium
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.
By InvestingPro Insurance Desk
Insurance · 4 May 2026
Health Insurance Co-Payment Explained: Why Your Claim Gets Less Than You Expected
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.
By InvestingPro Insurance Desk
Before you buy
Decision guides — IRDAI rules + post-claim reality
Concept
Claim Settlement Ratio (CSR) decoded
What CSR actually measures, why health is lower than term, and how to use CSR + ICR + Solvency together.
Read guide →
Glossary
10 most-confused insurance terms
Sum insured vs cover, sub-limit vs deductible vs co-pay, restoration vs refill — decoded with examples.
Read guide →
Reality check
10 insurance myths debunked
Term-vs-endowment math, LIC-vs-private CSR, ULIPs decoded — with Section + IRDAI citations.
Read guide →
Switch insurers
Portability — switch without losing waiting period
IRDAI 2020 45-day rules + what transfers (PED + NCB) + rejection grounds. Term portability myth busted.
Read guide →
Persona
Insurance for senior citizens 55-75+
Senior-specific plans (Star Red Carpet 75+) + 1-yr PED waiting + Section 80D ₹50K bonus.
Read guide →
Persona
Insurance for NRIs + parents-in-India
NRE vs NRO premium payment + Section 195 TDS + claim repatriation under FEMA.
Read guide →
FAQs
What is term insurance and do I need it?
Term insurance is pure life cover — it pays your family if you die during the policy term. If anyone depends on your income, you need it. It is the most affordable form of life insurance.
How much health insurance cover should I have?
Minimum ₹10L for individuals, ₹25L+ for families in metros. Medical inflation runs at 14% annually — what costs ₹5L today will cost ₹20L in 10 years.
What is claim settlement ratio and why does it matter?
CSR tells you what percentage of claims an insurer actually pays. Look for 95%+ CSR. We track this data for every insurer on our platform.
Should I buy insurance online or through an agent?
Online plans are typically 10-30% cheaper (no agent commission). The coverage is identical. We recommend buying directly from the insurer website.
Is health insurance tax deductible?
Yes. Premiums up to ₹25,000 (₹50,000 for senior citizens) qualify for Section 80D deduction. This applies to self, spouse, children, and parents.
How does InvestingPro rate insurance plans?
We evaluate on premium value, claim settlement ratio, network hospitals, coverage limits, exclusions, and customer reviews. No insurer pays for higher placement.
Popular comparisons
Insurance head-to-head
- Term vs whole lifePure protection vs savings — what makes sense at your age?
- LIC vs HDFC Life term planCSR, premium, and claim speed compared
- Star vs ICICI Lombard healthNetwork hospitals, room limits, no-claim bonus
- Individual vs family floaterWhen a family plan saves money — and when it doesn't
- Company insurance vs own policyWhy employer cover alone isn't enough
- ULIPs vs term + mutual fundInsurance + investment combo vs buying separately
IRDAI regulatory notice
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.