Use our ready-made research to decide.
We don't sell insurance. We give you the information to choose it yourself.
Unbiased, IRDAI-sourced data on 60 products across 15 brands — with zero commissions behind any ranking.
One hospitalisation can cost ₹1–5 lakh out of pocket. Covered, you walk out paying almost nothing.
₹1 crore of protection for your family — for less than ₹28 a day if you start at 25.
A US hospital stay can exceed ₹50 lakh. A full week of cover costs about ₹800.
Third-party cover is the law. Comprehensive cover is what actually protects your car.
Pick a product type, select 2–3 real products, and see exactly where each one wins — starred, highlighted, verdict included.
The rest face partial payment, delays, or outright rejection — usually discovered at the worst possible moment.
Not pricing. Not service. The single biggest failure point in Indian insurance is getting paid what you were promised.
Room-rent caps, sub-limits, waiting periods, fine print. We put every one of those clauses front and centre — before you buy.
MyEazyInsurance compares 60 insurance products across 15 brands using published IRDAI FY 2024-25 data. We do not sell insurance and earn no commission from any insurer, so no plan is ranked above another because of payment. Open a full guide below — each includes claim settlement ratios, incurred claim ratios, exclusions, waiting periods and a premium estimator.
No forms. No login. No sales calls. Just real data and a comparison engine that shows you exactly where each product wins.
Pick any insurance type for a plain-English guide, a full plan comparison, and a premium estimator that ranks plans by what actually suits you.
Choose one to open its own page — a plain-English guide, every plan compared, and a premium estimator.
Your comparison will appear below — data from IRDAI Annual Report FY 2024-25.
Every insurer's Grievance Redressal Officer, the IRDAI escalation route, and the free Insurance Ombudsman — sourced from the official Council for Insurance Ombudsmen directory.
Written complaint. They have 15 days to resolve, and no more than 30.
No reply in 30 days, or unhappy with it? Escalate to the regulator.
Free. Up to ₹50 lakh. Binding on the insurer. Decided in ~3 months.
Above ₹50 lakh, or if you reject the Ombudsman's award.
Portal: bimabharosa.irdai.gov.in
Email: complaints@irdai.gov.in
Toll-free: 155255 / 1800-4254-732
Use after the insurer has had 30 days. IRDAI tracks insurer response times through this portal.
File online: cioins.co.in
Offices: 17 across India — file at the one covering your address
Limit: ₹50 lakh · Deadline: within 1 year of final rejection
No fee. No lawyer — advocates are not permitted to file on your behalf. Award is binding on the insurer once you accept it.
The reasons are consistent, documented, and almost always avoidable. Start with the causes common to every policy, then open your insurance type for the specific traps that apply to it.
Choose an insurance type, pick a product, and read everything: what it is, what it does well, where it falls short, how to buy it, and what to add to make it genuinely strong.
Straight answers on cover amounts, super top-ups, claim settlement ratios, tax benefits and the clauses that catch people out.
This site exists to be useful, not to sell. If something is unclear, missing or wrong, we would rather hear it.
Every product compared on real IRDAI data — no insurer pays us for placement.
Open any type for a dedicated page — what to look for, every product from every brand, and a side-by-side comparison.
We'll show you what to look for, then let you compare products from different companies.