Compare Insurance Plans in India — Claim Ratios & Cover
Visual comparison of Indian health, term, motor and travel insurance by claim settlement ratio, waiting periods and cover options.
Products tracked
115
Providers
14
Average claim settlement ratio
95.29%
Highest claim settlement ratio
99.10%
Highest claim settlement ratio
Longer bar is higher. Ranked on one metric only — compare the full picture before deciding.
Market coverage by provider
- LIC18
- Star Health17
- Bajaj Allianz16
- HDFC ERGO13
- Reliance General12
- ICICI Lombard11
- SBI General9
- Others19
How claim settlement ratio is spread
Number of products in each range, from 90.00% to 99.10%.
Popular head-to-head comparisons
What to compare in insurance
Claim settlement ratio
Shows the share of claims an insurer settled; read it alongside complaint data and claim amounts.
Waiting periods
Pre-existing disease and specific-illness waiting periods decide when cover actually starts.
Sum insured options
Pick cover that matches medical inflation or your family's income-replacement need.
Network & sub-limits
Hospital/garage networks and room-rent caps affect cashless claims and out-of-pocket costs.
Frequently asked questions
Is the highest claim settlement ratio the best insurer?
It is one signal. Also compare waiting periods, exclusions, sub-limits and service quality for your situation.
Should I compare premiums first?
Compare cover and exclusions first; a cheaper premium with heavy sub-limits can cost more at claim time.
Other comparison guides
MoneyMust is an independent research platform, not a broker or advisor. Rankings use a single published metric for illustration; verify current terms with each provider.