Scoring & Ranking

Best Insurance Plans 2026

Top-ranked term life, health, and motor insurance plans ranked by claim settlement ratio, coverage, and premium value.

How We Rank Insurance Plans

Plans are evaluated on Claim Settlement Ratio (35%), Premium affordability per ₹1Cr cover (25%), Inclusions & exclusions (25%), and Insurer solvency ratio & track record (15%). Data sourced from IRDAI annual reports and insurer disclosures.