How we compare — honestly
Our ranking is rule-based and transparent. Here's exactly how it works, so you can trust what you see.
Where our facts come from
Every plan fact — waiting periods, pre-existing-condition terms, co-pay, sub-limits, benefits — is taken from the insurer's official Customer Information Sheet (CIS) and policy wording, plus the IRDAI Master Circular on Health Insurance (2024). Claim-settlement and complaint figures come from IRDAI's published data. We re-state these in plain language; the insurer's documents remain the authoritative source.
How we rank plans
We score each suitable plan on a fixed set of factors, then rank them. The factors include:
- fit with your situation (age, family, and any pre-existing conditions);
- the insurer's claim-settlement record and complaint rate;
- cashless hospital density in your district;
- out-of-pocket terms such as co-pay and room-rent limits; and
- indicative premium.
The rules are the same for every visitor and every insurer. The order you see reflects these factors — not which insurer pays the highest commission.
No hidden AI guessing
Matching is deterministic: the same inputs always produce the same, explainable result. We don't let a black-box model invent policy facts. If we can't verify something from a source document, we don't show it as fact.
Why we curate, not list everything
We deliberately focus on a curated set of trustworthy insurers with strong claim records, rather than listing every product on the market. A cheap policy that rejects your claim at the hospital counter is worse than no recommendation at all. Quality over quantity protects you.
Keeping it current
Insurers update products over time. We track the CIS version we used and re-verify periodically. If you ever spot something out of date, tell us via Contact and we'll check it.