India
Buying insurance for your family? See which policies let people down.
We read the policy documents, rate charts and Ombudsman decisions, so you don't have to. Then we tell you plainly which insurers are best, and which are worst.
- We don’t sell insurance
- No commissions
- Every number has a source
For your family
What are you trying to sort out?
Health cover for my parents
Which senior policies actually pay, what they really cost, and the fine print to check first.
Read this →
My claim was rejected
Why claims get refused, and every step you can take next, with the deadlines.
Read this →
My premium went up a lot
Once a parent turns 60, there is a 10% yearly limit. Here is how to use it.
Read this →
For doctors
Professional indemnity insurance, made clear
If a patient files a negligence case against you, this is the cover that pays for your defence and any compensation. We read every policy sold in India, so you can see which ones hold up and which ones leave you exposed.
- Do I legally need indemnity cover?→
- How much cover do I need?→
- What does it cost?→
- Every policy compared, clause by clause→
- Why indemnity claims get rejected→
What we found when we read the fine print
₹75
paid for every ₹100 claimed
On average, that is what health insurers paid out on claims in 2024-25. The best paid ₹94. The worst paid ₹29.
See the source →
79 of 152
seniors lost at the Ombudsman
We read 152 Ombudsman decisions on seniors' health claims. More were thrown out than won. Here is why.
See the source →
10%
the most a parent's premium can rise in a year
Once your parent is 60, IRDAI does not allow a bigger yearly increase. Worth knowing before you renew.
See the source →
24%
of a new health policy goes to the seller
That is the average commission today. IRDAI now wants to cap it at 15% to 20%.
See the source →
What’s changing
Aarogya Manthan 2026: NHA's PM-JAY Auto-Adjudication Framework, Patient Data for Research, and Treatment Rules
New rules from IRDAI, and what they mean for the policy you hold or are about to buy.
Read this →
Just published
All articles →Parents & seniors · 12 Oct 2026
Does Health Insurance Premium Increase Every Year in India?
Parents & seniors · 12 Oct 2026
Can Your Insurer Raise a Senior's Premium by More Than 10%?
India · 12 Oct 2026
Star Health Insurance Premium Chart PDF
Parents & seniors · 2 Oct 2026
Government Health Insurance for Senior Citizens in India
Parents & seniors · 2 Oct 2026
Senior Citizen Health Insurance Premiums in India
Parents & seniors · 2 Oct 2026
Cashless Refused for a Senior Citizen
We don’t sell insurance
No insurer pays us. No commissions, no leads, no forms. That is why we can say which policy is worst.
We read the real documents
Policy wordings, rate charts, IRDAI circulars and Ombudsman decisions. Not brochures. Download the documents →
We name the worst, too
Every comparison tells you who comes last, and why. How we compare →