Compare Insurance in India
Term life, health, car, bike, travel — find the best premium and coverage from India's top insurers. Honest comparison, no spam calls, free quotes in 60 seconds.
Term life insurance — pure protection at the lowest cost
Term insurance is the simplest, cheapest form of life cover: you pay a small annual premium, your family gets a fixed sum (₹50 lakh to ₹2 crore typical) if anything happens to you. It's the single most important financial product for any Indian with dependents.
Premiums vary by age, lifestyle, sum insured, and policy term. A healthy 30-year-old non-smoker can get ₹1 crore cover for around ₹600-800/month. We've compared the top 6 insurers below by claim settlement ratio (CSR) — the only metric that actually matters.
| Insurer | Sum / Plan | Annual premium* | CSR | Rating | |
|---|---|---|---|---|---|
| HDFC Life Click 2 Protect | ₹1 Cr / 30 yr | ₹8,500 | 99.4% | ★ 4.7 | Get Quote |
| Max Life Smart Secure Plus | ₹1 Cr / 30 yr | ₹8,200 | 99.5% | ★ 4.8 | Get Quote |
| ICICI Pru iProtect Smart | ₹1 Cr / 30 yr | ₹9,100 | 97.8% | ★ 4.5 | Get Quote |
| Tata AIA Sampoorna Raksha | ₹1 Cr / 30 yr | ₹8,400 | 99.0% | ★ 4.6 | Get Quote |
| LIC Tech Term | ₹1 Cr / 30 yr | ₹13,200 | 98.6% | ★ 4.2 | Get Quote |
| Bajaj Allianz Smart Protect Goal | ₹1 Cr / 30 yr | ₹7,900 | 99.0% | ★ 4.5 | Get Quote |
*Indicative premium for a 30-year-old healthy male non-smoker. Your actual premium will vary based on age, gender, smoking status, medical history, and policy add-ons.
Health insurance — protection against rising hospital bills
Indian medical inflation runs at 14% per year. A heart bypass that cost ₹3 lakh five years ago now costs ₹6 lakh. A ₹10 lakh family floater is the minimum sensible cover for an urban family of four in 2025.
Premium depends on age, city, sum insured, and pre-existing conditions. Below are the top 6 family floater plans for a 30-year-old couple with one child in a metro.
| Insurer | Plan | Sum / Premium* | Network hospitals | Rating | |
|---|---|---|---|---|---|
| Star Health | Family Health Optima | ₹10L / ₹14,500 | 14,000+ | ★ 4.5 | Get Quote |
| HDFC ERGO Optima Restore | Family Floater | ₹10L / ₹15,800 | 13,000+ | ★ 4.6 | Get Quote |
| Niva Bupa (Max Bupa) ReAssure | Family Floater | ₹10L / ₹14,900 | 10,000+ | ★ 4.7 | Get Quote |
| Care Health Supreme | Family Floater | ₹10L / ₹13,200 | 21,000+ | ★ 4.4 | Get Quote |
| ICICI Lombard Complete Health | iHealth Plus | ₹10L / ₹16,400 | 9,000+ | ★ 4.3 | Get Quote |
| Aditya Birla Activ Health Platinum | Family | ₹10L / ₹15,200 | 10,000+ | ★ 4.5 | Get Quote |
*Family of three (couple + 1 child) in metro city, all healthy, no pre-existing conditions.
Car insurance — comprehensive cover beats third-party every time
Third-party insurance is mandatory by law and dirt cheap (₹2,000-3,000/year). But it doesn't cover your own car if you damage it. For any car worth more than ₹3 lakh, comprehensive insurance is the only sensible choice. Premium depends on car make, IDV (insured declared value), and add-ons (zero dep, engine protect, return-to-invoice).
| Insurer | Type | Indicative premium* | Cashless garages | Rating | |
|---|---|---|---|---|---|
| ACKO | Comp + Zero Dep | ₹6,800 | 5,000+ | ★ 4.6 | Get Quote |
| Digit Insurance | Comp + Zero Dep | ₹7,100 | 5,400+ | ★ 4.5 | Get Quote |
| HDFC ERGO | Comp + Zero Dep | ₹8,400 | 8,800+ | ★ 4.5 | Get Quote |
| ICICI Lombard | Comp + Zero Dep | ₹8,900 | 10,300+ | ★ 4.4 | Get Quote |
| TATA AIG | Comp + Zero Dep | ₹8,200 | 5,200+ | ★ 4.3 | Get Quote |
| Bajaj Allianz | Comp + Zero Dep | ₹8,600 | 7,200+ | ★ 4.4 | Get Quote |
*For a Maruti Swift VXi (2022 model, IDV ₹6 lakh) in Bangalore. Premium varies by car model, age, city, and previous claims.
Two-wheeler insurance — small premium, big peace of mind
Bike comprehensive insurance starts as low as ₹1,000/year and protects against theft (a real concern in Indian cities), accidental damage, and third-party liability. Add zero depreciation if your bike is less than 5 years old.
| Insurer | Plan | Premium* | Add-ons | Rating | |
|---|---|---|---|---|---|
| ACKO | Comprehensive | ₹1,400 | Zero Dep, Engine Protect | ★ 4.6 | Get Quote |
| Digit | Comprehensive | ₹1,500 | Zero Dep, RSA | ★ 4.5 | Get Quote |
| HDFC ERGO | Comprehensive | ₹1,800 | Full add-on suite | ★ 4.4 | Get Quote |
| Bajaj Allianz | Comprehensive | ₹1,900 | Full add-on suite | ★ 4.4 | Get Quote |
*Bajaj Pulsar 150 (2023 model) in metro city. Actual premium varies.
Travel insurance — for international trips, it's non-negotiable
Many countries (Schengen, USA, Canada, Australia, Dubai) require proof of travel insurance for visa. Even for domestic trips, basic cover protects against trip cancellation, lost baggage, and medical emergencies. Premium is dirt cheap — usually ₹300-2,000 for a 7-day international trip.
| Insurer | Cover | Premium (7-day Schengen)* | Best for | Rating | |
|---|---|---|---|---|---|
| TATA AIG | USD 50,000 | ₹1,150 | Schengen visa | ★ 4.6 | Get Quote |
| Bajaj Allianz | USD 50,000 | ₹1,200 | Schengen + USA | ★ 4.5 | Get Quote |
| HDFC ERGO | USD 50,000 | ₹1,300 | Worldwide | ★ 4.5 | Get Quote |
| ICICI Lombard | USD 50,000 | ₹1,400 | Worldwide | ★ 4.4 | Get Quote |
| Reliance General | USD 50,000 | ₹1,100 | Budget travelers | ★ 4.3 | Get Quote |
*7-day single-trip Schengen Europe travel for a 30-year-old.
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Frequently asked questions
How much term insurance cover do I need?
Rule of thumb: 10-15× your annual income, plus any outstanding loans (home loan, etc.). A 30-year-old earning ₹10 lakh/year should buy at least ₹1.5 crore cover. The premium difference between ₹1 Cr and ₹2 Cr is small — go higher if budget allows.
What is Claim Settlement Ratio (CSR) and why does it matter?
CSR is the percentage of claims an insurer paid out. Above 98% is excellent. Anything below 95% should be avoided. IRDAI publishes CSR data for all insurers annually.
Should I buy health insurance through my employer or separately?
Always buy a personal policy separately. Employer policies vanish the day you change jobs or retire. A personal policy you've held since age 25 is far cheaper at age 50 than buying fresh at 50.
Are online insurance plans cheaper than agent-sold ones?
Yes — typically 20-40% cheaper because there's no agent commission. Buying online is also faster and there's no pressure-selling.
What is "zero depreciation" cover for car insurance?
Without zero dep, your insurer deducts depreciation on car parts during a claim (rubber, plastic, fiber depreciate fastest). Zero dep cover ensures full reimbursement — worth every rupee for cars under 5 years old.
Do I need travel insurance for domestic trips?
Less critical, but cheap. ₹100-300 covers trip cancellation, lost baggage, and medical emergencies. Highly recommended for adventure travel (Ladakh, trekking, scuba).