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Compare cover, then compare price
A comparison that ranks only on premium tells you which policy is cheapest, not which one pays. We do it the other way round.
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Pick what you are protecting
Our method
The order we look at things in
Publishing this is the point. If we ever rank a recommendation the other way round, you should be able to hold us to it.
What we compare first
- Exclusions — what the policy will not pay for, in plain words
- Waiting periods for pre-existing and specified conditions
- Sub-limits, room-rent caps and co-payment shares
- Claim-settlement history and average settlement time
- Network reach where you actually live and travel
What we compare last
- Headline premium
- Advertised starting prices
- Marketing claims about speed and simplicity
- Cashback, vouchers and joining offers
We are remunerated by insurers through distribution commission within IRDAI-prescribed limits. Commission rates differ between products and insurers. Where our recommendation differs from the cheapest option available to you, we will say so and explain why.
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