PolicyPlain
30 well-known Indian plans · IRDAI trust data baked in

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
Honest disclosure:Plan details here are compiled from public insurer brochures and third-party aggregators. Sub-limits, copay slabs and premiums vary by variant, city, and medical loading. Always confirm against the official policy wording PDF on the insurer's site before purchase. How we got these numbers →
All plans (30)Family floater (21)Individual / young adult (24)Senior citizen (60+) (4)Diabetic / chronic (3)Top-up / super top-up (4)Critical illness (3)

Showing 4 of 30 plans

Care

Care Senior

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

47

Known traps

  • 20% copay above age 61.
  • Annual health check-up benefit only triggers on claim-free renewal.
See full plan breakdownGet policy wording PDF from Care ↗

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

Plan details compiled from public insurer brochures and third-party aggregators as of 2026-06. Numbers are indicative — sub-limits, copay slabs, and premiums vary by variant, city, and medical loading. Always confirm against the official policy wording on the insurer's website before purchase. PolicyPlain earns no commission and does not recommend any specific plan.

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