We compare India's leading health insurers on the numbers that actually matter at claim time — not just premium. Tell us your family profile once, and we'll shortlist the two or three policies worth your time.
Claim Settlement Ratio (CSR) alone doesn't tell the full story — but it's the first filter. Figures below are 3-year averages drawn from insurer disclosures and the IRDAI FY 2024–25 annual report; we cross-check the latest figures before recommending any policy to a client.
We're IRDA-certified and SEBI-registered — health insurance sits alongside your mutual funds and tax planning, not apart from it, so the sum insured actually matches your real financial picture.
The clause that quietly reduces your claim payout. We flag it before you sign, not after a hospital bill.
Pre-existing conditions, maternity, specific illnesses — we lay out exactly when each becomes claimable.
Sum insured chosen against your actual income, dependents, and existing investments — not a round number.
Five fields. We'll shortlist two to three policies from the ledger above and call you to walk through the trade-offs.
An IRDA-certified advisor from Phoenix Wealth Advisory reviews your details and calls within one business day with a shortlist — no policy is sold on the first call.
By submitting, you consent to Phoenix Wealth Advisory contacting you regarding this enquiry. We distribute insurance as an IRDA-certified intermediary; we do not underwrite policies. Final terms are governed by the insurer's policy wording.