Insurance that
actually pays out
when you need it
Compare term and health plans on the numbers that decide your claim — not the ad. Then get one advisor who stays with you for life, even for the policy you bought somewhere else.
What's actually at risk right now
Insurance advice that ignores your life stage is just a sales pitch. Pick the one that sounds like you.
You are covered — until the day you resign
Group cover from your employer feels like a solved problem. It is the single most common gap we fix, because it disappears exactly when your income does.
Your group cover ends the day you leave
Employer health cover is not portable. It does not follow you to the next job, it does not cover you through a notice period gap, and it ends immediately if you are laid off — which is the exact moment a hospital bill would hurt most.
You have aged off your parents' family floater
Most family floaters drop dependent children at 25. Many people discover this at a claim, not at renewal. If nobody has bought you a plan in your own name, you are uninsured and do not know it yet.
Waiting periods only start counting once you buy
Every health policy makes you wait 2–3 years before pre-existing and named illnesses are covered. Those years pass whether or not you have a policy — so the cheapest year to start serving them is this one, while you are healthy and premiums are at their lowest.
A 25-year-old pays ₹10,149/yr — the same cover at 45 costs several times moreThe cover has to exist before you need it
Maternity and newborn benefits are the one part of health insurance you cannot buy on demand. Almost every gap we see at this stage comes down to timing.
Maternity waiting periods run 2–4 years
You have to buy the cover well before you start planning, not once you are expecting. None of the five plans we rate covers maternity in its base policy — HDFC ERGO offers it through the Parenthood rider, and Aditya Birla needs a separate product entirely.
Buy after conception and maternity is simply not coveredNewborns need cover from day one
A newborn can be admitted to the NICU within hours of birth, and that is one of the most expensive admissions in Indian healthcare. Cover for the child has to already be in place, structured correctly, before the delivery.
Your term cover now has to clear 20 years of liability
A child means roughly two decades of dependency, and for most people it arrives alongside a home loan. The cover you bought as a single 25-year-old was not sized for either.
Both spouses are usually under-covered
Cover typically gets bought for the higher earner only. If the other parent is uninsured, the household is still one event away from a crisis — including the cost of replacing unpaid care.
Two generations, one income, no margin for error
This is the hardest stage to insure and the one where getting the details wrong is most expensive. Senior-parent cover in particular rewards precision.
Parents over 60 face co-pays, loading and full waiting periods
Premiums rise steeply, insurers add a co-payment share, and pre-existing conditions — which most people over 60 have — sit behind a 2 to 3 year wait. Which insurer you pick decides whether that wait is two years or three.
A senior couple costs ₹66,505–₹78,923/yr at ₹15 L coverYour corporate floater will not take them
Most employer plans either exclude parents outright or price them as a punitive add-on with thin limits. And like all group cover, it ends the day you change jobs — taking your parents' only protection with it.
Your kids' education corpus is exposed
College costs are a fixed future liability sitting on a single income. Without term cover sized to it, that corpus is the first thing that gets liquidated.
You are the single point of failure for two generations
Parents above you, children below, and both financially dependent on you continuing to earn. That is the definition of a risk that has to be transferred rather than absorbed.
Personalized Advice On
We help you understand, compare, and buy the right insurance — no commissions bias, no spam.
Term Life Insurance
Your family gets a lump sum if you are not around. The cheapest way to buy a large cover — and the one product where the insurer's claim record matters more than the price.
Talk to an AdvisorHealth Insurance
Hospital bills covered without touching your savings. We compare the waiting periods and room-rent clauses that decide whether a claim actually gets paid.
Talk to an AdvisorEvery plan, side by side
Claim settlement ratios, complaint volumes, waiting periods and premiums for the plans we actually recommend — sourced from IRDAI disclosures and insurer policy wordings, not brochures.
What it actually costs
Insurer league table
The plan matters, but the company behind it decides whether your claim gets paid. These are the insurers ranked on their own track record.
How we score plans
No insurer pays us for a higher rank. Here is exactly what goes into a score, and what each part is worth.
Disclaimer: Figures shown here are compiled from IRDAI annual reports and public grievance disclosures, and from insurer public disclosures and policy wordings. Claim settlement ratios and complaint volumes are three-year averages for FY 2024–26. Premiums are indicative illustrations for the stated profile, not quotes — your actual premium depends on your age, health, city, habits and underwriting. Scores are Myinsurancebro's own assessment. Always read the official policy document and speak to an advisor before buying. Myinsurancebro is an IRDAI-licensed insurance advisor — we do not manufacture or underwrite any insurance product.
Answers every query personally
Claim help, any hour
One advisor. Yours for life.
Most platforms hand you a call centre and a ticket number. Here you get one Chief Advisor who knows your file, picks up when you call, and is still the same person when you claim eight years from now.
Your questions get answered by a human
No bots, no queue, no being handed to whoever is free. Ask anything — before you buy, and for as long as you hold the policy.
Claim support at any hour
Hospitals do not admit people at convenient times. When a claim happens we handle the paperwork, the pre-authorisation and the insurer — while you deal with what matters.
Even if you bought it somewhere else
Policy from another agent, a bank, or straight off an app? We still help you claim on it. No charge, no obligation to switch.
Advice that survives a conflict of interest
We will tell you when the cheaper plan is the better one, and when you do not need the cover at all. If we only recommended what pays us most, none of the rest would mean anything.
We built Myinsurancebro to be an insurance platform free of conflicts, mis-selling and spam — with advisors who handhold people through the whole journey, from understanding what they need to helping them file a claim years later. — Chief Advisor & Owner, Myinsurancebro
We'll help you claim on a policy you bought somewhere else
Bought through a bank, an agent who has stopped answering, or an app that only exists as a chat window? Bring us the policy. We will fight the claim with you anyway.
- Any insurer, any policy — health or term
- No fee, and no requirement to move your policy to us
- We handle documentation, pre-authorisation and insurer follow-ups
- Rejected claim? We read the wording and tell you whether it is worth contesting
How it works
A PDF or even a photo of the schedule page is enough to start.
We tell you plainly what is covered, what is excluded, and where this claim actually stands.
Documentation, pre-authorisation, and chasing the insurer until there is a decision.
Insurer grievance cell first, then the Insurance Ombudsman if the rejection does not hold up.
The Myinsurancebro Experience
From choosing the right plan to lifetime claim support — we're with you at every step.
We start with what you actually need
Before any plan gets mentioned, we work out your real cover requirement — income, liabilities, dependants, existing group cover and what your parents already have. Half the people who come to us need less cover than they were about to buy.
Compared on numbers, not brochures
Settlement ratios, complaint volumes and waiting periods — the figures that decide a claim.
Policy wording in plain English
We read the exclusions out loud before you buy, so nothing is a surprise at claim time.
Lifetime claim support — including on policies you bought elsewhere
Filing a claim is the worst possible time to be figuring out paperwork alone. We handle documentation, pre-authorisation and insurer follow-ups, and escalate to the Ombudsman if a rejection does not hold up. This applies even if you never bought anything from us.
Zero spam, ever
Your number is not a lead to be resold. One advisor, and only when you ask.
Free, and it stays free
Insurers pay our commission. You pay the same premium either way — you just get an advisor with it.
We check in at renewal, not just at the sale
Cover needs change when you marry, have a child, take a home loan or your parents cross 60. We revisit the file at every renewal instead of letting it quietly go stale.
Your Insurance Journey —
Others vs Myinsurancebro
See how we do things differently at every step of the way.
Traditional Brokers & Others
Generic & Commission-Driven-
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One-Size-Fits-All Push: Generic policy options pushed without evaluating your personal health & financial profile.
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Commission Bias: Product recommendations biased toward higher agent payouts rather than your actual coverage needs.
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Confusing Fine Print: Jargon-heavy terms left unexplained, concealing sub-limits and room-rent caps.
The Myinsurancebro Advantage
Personalized & 100% Unbiased-
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Deep Situation Analysis: We conduct a 1-on-1 personalized discussion to understand your unique health, family, & financial situation.
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Unbiased Market Comparison: We analyze the entire insurance market to curate and present the best-fitting policy for you.
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Zero Sales Pressure: Plain-English explanations of benefits, waiting periods, and caps so you make an empowered choice.
Traditional Brokers & Others
Stressful & Prone to Errors-
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Zero Form Guidance: Left alone to decipher complicated medical questions and personal disclosures.
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High Rejection Risk: Missed disclosures or errors in paperwork leading to delayed issuance or claim rejections.
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Hidden Costs: Opaque checkout processes with surprise add-ons inserted without clear disclosure.
The Myinsurancebro Advantage
Guided & 100% Transparent-
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Step-by-Step Process: We guide you through every stage of application & payment so you are never confused.
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Boring Details Handled: Our team completes and double-checks all tedious form details and medical disclosures accurately.
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100% Transparency: Complete breakdown of premium breakdown, policy terms, and riders before any payment is made.
Traditional Brokers & Others
Abandoned Post-Purchase-
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Disappear After Sale: Agents disappear immediately after payment is collected, leaving you stranded.
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Unverified Communications: Policy details sent from unknown third-party channels with delayed verification.
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No Claim Help: Forced to navigate complex hospital claim desks and paperwork alone during emergencies.
The Myinsurancebro Advantage
Official Issuance & Lifetime Touch-
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Official Insurer Delivery: Receive all policy documents directly from the official email address of the issuing insurance company.
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Stay Onboarded & In Touch: We remain onboarded with you continuously for all future questions, policy tweaks, and updates.
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Lifetime Claim Management: Dedicated 24/7 claim assistance anytime you or your family need hospital claim settlement.
India's Top-Rated Insurance Advisor
Don't just take our word for it — hear from people we've helped.
"I had no idea what term insurance was until Myinsurancebro explained it to me. The advisor spent 45 minutes on call — no rush, no push. Bought a ₹1 Crore cover at just ₹780/month."
"Finally, someone who speaks plain English about insurance! They compared 5 health plans for me and helped me choose the best one for my family. Zero spam calls after."
"Filed a claim for my father's surgery. Myinsurancebro handled everything — from documents to follow-ups with the insurer. Settled in 8 days. Truly lifetime support!"
"I was skeptical about free advice, but these guys are legit. They recommended a plan that costs less than what I was already paying — with better coverage. Highly recommend!"
"As a first-time buyer, I was overwhelmed with options. My advisor explained everything patiently and even helped me fill out the application. Couldn't have done it without them."
"What impressed me most was their honesty. They actually told me I didn't need a specific rider, saving me money. That's rare in this industry. Thank you, Myinsurancebro!"
Not Sure What to Look For?
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Frequently Asked Questions
Got questions? We've got honest answers.
Book a Free 1-on-1 Consultation
100% free call with our Chief Advisor & team. Zero spam, no pressure — just honest advice tailored to you.