Insurance guides
Data-backed guides on term life, health insurance, and claim ratios.
Best Term Insurance Plans in India 2025 — Ranked by Claim Ratio
The best term insurance plans in India ranked by claim settlement ratio. Max Life, HDFC Life, Tata AIA compared on CSR, premiums, and features for 2025.
2026-04-127 min readterm insuranceclaim settlement ratio
Claim Settlement Ratio Explained — What It Is and Why It Matters
What is claim settlement ratio in insurance? How IRDAI calculates it, what a good CSR looks like, and how to use it when buying term or health insurance.
2026-04-125 min readclaim settlement ratioIRDAI
HDFC ERGO Health Insurance Review 2025 — 100% CSR, Optima Secure Plan
HDFC ERGO Health Insurance review for 2025. 100% claim settlement ratio in 2023-24, Optima Secure plan features, premiums, and who should buy it.
2026-04-126 min readHDFC ERGOhealth insurance
Health Insurance Without Co-Pay in India — Best Plans 2025
Best health insurance plans in India with zero co-payment clause. HDFC ERGO, Niva Bupa, and Star Health plans compared for 2025.
2026-04-125 min readhealth insuranceco-pay
Term Insurance Without Medical Test in India — What You Need to Know
Can you get term insurance without a medical test in India? Which plans skip the medical, what the coverage limits are, and whether it is worth it.
2026-04-125 min readterm insuranceno medical test