Compare Health Insurance Plans
Compare health insurance plans from top-rated insurers and clearly see the differences in coverage, premiums, and features.
Select Insurer
Let us know your insurer to compare plans.
Select at least 2 insurers to compare
Comparing health insurance plans isn't about finding the 'best' plan on paper. It's more about finding the right plan for you, your health, your family, and your budget.
How to Compare Health Insurance Plans?
You can compare health insurance policies along two verticals.
Compare Insurers
Evaluate operational performance, claim settlement figures, business scale and Net Promoter Score.
Compare Policies
Look at policy features, price point, and specific use cases to make a qualified choice.
Talk to an expert today and find the right insurance for you.
Talk to our top insurance experts for free. Simple, clear, and direct — just honest advice without any spam or pushy sales pitches.
Comparing Insurers — How to decide which insurance company is better?
Track Record
A good insurance company should have an extensive track record. Any company with 10+ years is a good bet. 5+ years is decent. Avoid companies with less than 5 years.
Network Hospitals
A better network hospital bodes well for you. 8000+ hospitals is a decent bet. 5000-8000 is okay. Less than 5000 is a no-no.
Claim Settlement Ratio
CSR tells you the percentage of claims settled by an insurer. 90%+ is stellar. 80-90% is decent. Less than 80% is a no-go.
| Company | Claim Settlement Ratio (avg. 3 years) |
|---|---|
| New India Assurance | 98.9% |
| Digit | 98.6% |
| HDFC Ergo | 96.7% |
| Bajaj General | 96.7% |
| SBI | 96.1% |
| Acko | 96.5% |
| Aditya Birla | 95.8% |
| National Insurance | 94.6% |
| Niva Bupa | 91.6% |
| Star Health | 84.9% |
| ICICI Lombard | 84.5% |
| Navi | 71.4% |
Operational Efficiencies
How well do insurers deal with application errors, paperwork, and customer complaints? Private insurers generally perform better than public/government-owned companies.
A Real World Example: HDFC Ergo vs Niva Bupa
| Insurance Parameters | HDFC Ergo Optima Restore Recommended | Niva Bupa ReAssure |
|---|---|---|
| Network hospitals | 13,000 | 10,000 |
| Claim settlement ratio | 97% | 92% |
| Co-payment | No | No |
| Room rent | Any Room | Any Room |
| Disease sub-limit | No | Yes |
| Pre-existing waiting | 3 years | 3 years |
| No claim bonus | 50%/yr up to 100% | 50%/yr up to 100% |
| Restoration benefit | 100% once for any illness | 100% unlimited for any illness |
| Health check-up | Once every year | Once every year |