Indian health insurance plans — IRDAI trust scorecards in plain English

Indian health insurance plans — decoded

Don't have a PDF yet? Start here. Every plan card shows the IRDAI Claim Settlement Ratio, Incurred Claim Ratio and complaints per 10,000 claims — plus the trap clauses (copay slabs, room rent caps, sub-limits, restoration mechanics) that decide whether you actually get paid.

No commission · No broker · No affiliate fees · Numbers cited verbatim from public IRDAI reports

Star Health

Star Diabetes Safe

Sum insured₹3L–₹10L

Copay: 10% @ 61+
Room rent: Single private
PED wait: N/A

Star Health · IRDAI FY 2024-25

CSR

86.34%

ICR

70.3%

Complaints/10k

Known traps

Day-1 diabetes cover sounds great — but ONLY diabetes-related complications are covered under Plan A. Plan B is broader.
Initial 30-day waiting for non-diabetes illness on Plan B.

See full plan breakdown Get policy wording PDF from Star Health ↗

Last verified: 2026-06 · Source: third party aggregator

Niva Bupa

Niva Bupa ReAssure 2.0 (with Diabetes / Hypertension rider)

Sum insured₹5L–₹50L

Copay: None published
Room rent: No cap
PED wait: 24 mo

Niva Bupa · IRDAI FY 2024-25

CSR

92.39%

ICR

61.22%

Complaints/10k

Known traps

Diabetes / HTN rider reduces PED waiting from 36 to 24 months — not day 1.
Rider premium adds ~20-30% over base premium.

See full plan breakdown Get policy wording PDF from Niva Bupa ↗

Last verified: 2026-06 · Source: third party aggregator

Care

Care Freedom

Sum insured₹3L–₹10L

Copay: 20% @ 61+
Room rent: Single private
PED wait: 24 mo

Care Health · IRDAI FY 2024-25

CSR

96.74%

ICR

64.53%

Complaints/10k

Known traps

Designed for diabetic / hypertensive / obese applicants — but PED waiting is still 24 months on most variants.
20% copay above age 61.

See full plan breakdown Get policy wording PDF from Care ↗

Last verified: 2026-06 · Source: third party aggregator