insurancerating.in
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Find India's best health insurance for your family

Honest ratings built from claim settlement data and each plan's policy wording — personalised to your family in 2 minutes.

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15 insurers rated · 38 plans rated

✓ Zero commission✓ No data collected

Illustration of a family with a grandmother, parents and a child meeting a doctor and nurse outside a hospital

How It Works

Tell Us About Yourself

Share your age, family details, and location

See how

We Calculate Your Score

Our algorithm analyses claim ratios, room rent rules, and waiting periods

See how

Pick The Best Plan

See ranked results and go directly to the insurer's official website

See how

Tell Us About Yourself

Step 1, tell us about yourself: a few quick questions with no sign-up — who to cover and their ages, your pincode, sum insured, health conditions (diabetes, BP, asthma, thyroid or heart), planning a child (asked only if it applies to you), room preference and what matters most, while parents aged 55+ are spotted from the ages you enter. Your answers stay in your browser for this visit and are never stored on our servers.

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We Calculate Your Score

Step 2, we calculate your score: your answers meet IRDAI public data, insurer disclosures and policy wordings, scored 35% on insurer trust and 65% on plan fit, then a red-flag check caps serious problems at 3.0–4.0 stars before giving a 1 to 5 star rating. The same fixed rules apply to everyone, and price never changes a star rating.

Read the full method →

Pick The Best Plan

Step 3, pick the best plan: your top 10 ranked by score with at most 2 plans from any one insurer, every red flag explained in one red line each plus any add-on the plan needs for full cover, parents aged 55+ ranked in their own tab, a "Visit plan page" link that opens the plan on the insurer's own website (its exact page wherever we have it), and plans we couldn't rate listed at the bottom with no stars. No commission, no leads sold — ratings are information, not financial advice.

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