Confused which insurance product to buy?
Unbiased, IRDAI-sourced data on 60 products across 15 brands — zero commissions behind any ranking.
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Claim rejected or stuck?
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Wondering what buyers actually say?
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MyEazyInsurance
What do you want to protect?
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 industry has a trust problem.
Only 1 in 4 health claims is approved without friction.
The rest face partial payment, delays, or outright rejection — usually discovered at the worst possible moment.
Nearly all insurance complaints are about claim rejection.
Not pricing. Not service. The single biggest failure point in Indian insurance is getting paid what you were promised.
Health claim value disallowed in a single year.
Room-rent caps, sub-limits, waiting periods, fine print. We put every one of those clauses front and centre — before you buy.
Insurance information for India — free, unbiased, commission-free
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.
- Health Insurance India — compare 15 plans on claim settlement ratio, room rent caps and waiting periods
- Term Life Insurance India — compare 15 plans on CSR and amount settlement ratio
- Travel Insurance India — compare 15 plans on medical cover, delay triggers and senior eligibility
- Motor Insurance India — compare 15 car plans on CSR, garage network and zero depreciation
Ready to see insurance clearly?
No forms. No login. No sales calls. Just real data and a comparison engine that shows you exactly where each product wins.
Understand it first. Then estimate your premium.
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.
Which insurance do you want to understand?
Choose one to open its own page — a plain-English guide, every plan compared, and a premium estimator.
Select at least one insurance type above
Your comparison will appear below — data from IRDAI Annual Report FY 2024-25.
Claim rejected? Here is exactly who to contact.
Every insurer's Grievance Redressal Officer, the IRDAI escalation route, and the free Insurance Ombudsman — sourced from the official Council for Insurance Ombudsmen directory.
Insurer's customer support
Call the helpline first and ask why in writing. Note the ticket number — get the rejection reason on email.
Insurer's GRO
Written complaint. They have 15 days to resolve, and no more than 30.
IRDAI Bima Bharosa
No reply in 30 days, or unhappy with it? Escalate to the regulator.
Insurance Ombudsman
Free. Up to ₹50 lakh. Binding on the insurer. Decided in ~3 months.
Consumer Commission
Above ₹50 lakh, or if you reject the Ombudsman's award.
IRDAI — Bima Bharosa
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.
Insurance Ombudsman (CIO)
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.
Important: A phone call leaves no proof. Use the helpline to ask questions, but always file the actual grievance in writing by email to the GRO — the 30-day clock that unlocks the Ombudsman only starts from a written complaint you can evidence.
Why claims get rejected — and how to stay on the right side of 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.
Every product, explained in full
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.
The questions people actually ask
Straight answers on cover amounts, super top-ups, claim settlement ratios, tax benefits and the clauses that catch people out.
Tell us what works and what doesn't
This site exists to be useful, not to sell. If something is unclear, missing or wrong, we would rather hear it.
What buyers actually say
Pick an insurance type, choose a product, and read real experiences — or add your own.
Verified agents, by insurance type and location
Filter by what you need and where you are. We list agents only after checking their IRDAI registration.
We don't sell. We show you the numbers.
Every product compared on real IRDAI data — no insurer pays us for placement.
Which one do you want to look into?
Open any type for a dedicated page — what to look for, every product from every brand, and a side-by-side comparison.
Pick the insurance type you need
We'll show you what to look for, then let you compare products from different companies.