🛡️ Insurance Intelligence

Insurance Comparison India 2026

Honest comparison of term life, health & car insurance — no spam calls, no hidden commissions.

💸 Term Life Insurance
₹1 crore cover for your family — compare top plans
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Recommended
HDFC Life Click 2 Protect Super
Claim settlement: 99.5%. Return of premium option. Critical illness add-on available.
₹750/month for ₹1Cr, 30yr old
Budget Pick
ICICI Prudential iProtect Smart
Claim settlement: 97.9%. Whole life cover option. Accidental death benefit.
₹700/month for ₹1Cr, 30yr old
High Claim Ratio
Max Life Smart Secure Plus
Claim settlement: 99.35%. Joint life option. Income payout option for family.
₹820/month for ₹1Cr, 30yr old
PlanClaim SettlementPremium (₹1Cr / 30yr)Solvency Ratio
HDFC Life Click 2 Protect99.5%₹750/mo1.99
Max Life Smart Secure Plus99.35%₹820/mo2.00
Tata AIA SRS Vitality99.01%₹780/mo1.83
ICICI Prudential iProtect97.9%₹700/mo2.16
LIC Tech Term98.7%₹950/mo1.77
🩺 Health Insurance
₹5 lakh family floater — compare network, waiting period & premium
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Best Overall
Niva Bupa Reassure 2.0
No room rent limit. 9800+ hospitals. Direct claim settlement, no TPA. Recharge benefit.
₹900/month for family of 4, ₹5L cover
Widest Network
Star Health Comprehensive
14,000+ hospitals. Auto recharge. Outpatient cover available. Strong claim track record.
₹850/month for family of 4, ₹5L cover
Budget Pick
HDFC Ergo Optima Secure
Booster benefit — cover grows 50% every year. 10,000+ hospitals. No pre-policy medical.
₹800/month for family of 4, ₹5L cover
PlanNetwork HospitalsPremium (Family/₹5L)Claim Ratio
Niva Bupa Reassure 2.09,800+₹900/mo91%
Star Health Comprehensive14,000+₹850/mo89%
HDFC Ergo Optima Secure10,000+₹800/mo87%
Care Health Supreme8,250+₹780/mo85%
Aditya Birla Activ Health10,000+₹920/mo90%
🚗 Car Insurance
Comprehensive vs third-party — what's right for your car
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Cheapest Online
Acko Car Insurance
100% online, no agent. Instant claim approval for small repairs. 2500+ cashless garages.
₹2,500/year (Maruti Swift, third-party)
Widest Garage Network
HDFC Ergo Car Insurance
6700+ cashless garages. Spot survey for small claims. 24x7 roadside assistance.
₹6,500/year (Maruti Swift, comprehensive)
Best Claim Ratio
Bajaj Allianz Car Insurance
Motor OD claim ratio 88%. Doorstep pickup for repairs. Zero depreciation add-on.
₹7,200/year (Maruti Swift, comprehensive)