Apratim Chatterjee
Health Insurance Specialist · KolkataHealth cover: room-rent limits, sub-limits and waiting periods — the clauses that decide what a policy is worth at claim time.
IRDAI-licensed · Zero spam Insurance that
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Compare term and health plans on the numbers that decide your claim, not the ad. Then one advisor, for life — even for the policy you bought somewhere else.
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Axis Max Life 
HDFC Life 
ICICI
Prudential 
Bajaj Life 
Tata AIA 
HDFC ERGO 
Care Health 
Aditya Birla Health 
Niva Bupa 
Star Health 
SBI General Built for your stage
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.
The 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.
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.
Personalized Advice On
Understand it, compare it, buy it. No commission bias, no spam.
Term Life Insurance
A lump sum for your family if you are not around — the cheapest way to hold a large cover.
Health Insurance
Hospital bills covered without touching your savings — compared on the clauses that decide a claim.
Compare on the real numbers
Every plan, side by side
Claim settlement, complaints and waiting periods — from IRDAI disclosures, not brochures.
| Plan | Score | Claim settlement |
|---|---|---|
| Axis Max Life Smart Term Plan Plus | 4.7 / 5 | 99.71% |
| HDFC ERGO Optima Secure+ | 4.6 / 5 | 97.61% |
| Care Health Care Supreme | 4.5 / 5 | 95.45% |
| Aditya Birla Health Activ One MAX | 4.4 / 5 | 96.25% |
| HDFC Life Click2Protect Supreme Plus | 4.4 / 5 | 99.66% |
| Niva Bupa ReAssure 2.0 Platinum+ | 4.3 / 5 | 92.92% |
Best Term Life Insurance All 5 plans, ranked → Best Health Insurance All 5 plans, ranked → How we score The weights, and the premium illustrations → Guides Room rent, waiting periods, claim ratios →
Want this narrowed to the two or three that fit you? That is a ten-minute call.
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 My Insurance Bro's own assessment. Always read the official policy document and speak to an advisor before buying. My Insurance Bro is an IRDAI-licensed insurance advisor — we do not manufacture or underwrite any insurance product.
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People advised
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Best claim settlement ratio we place
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What our advice costs you
Answers every query personally
Claim help, any hour
The person behind the advice
One advisor. Yours for life.
Not a call centre and a ticket number. One advisor who knows your file, picks up when you call, and is still the same person when you claim eight years from now.
Answered by a human
No bots, no queue, no being passed to whoever is free.
Claim support at any hour
Paperwork, pre-authorisation and the insurer — while you deal with what matters.
Even if you bought it somewhere else
No charge, and no obligation to move the policy to us.
Advice that survives a conflict of interest
We will tell you when the cheaper plan wins, or when you need no cover at all.
We built My Insurance Bro free of conflicts, mis-selling and spam — advisors who stay with people from the first question to the claim years later. — Danish Pandita, Chief Advisor & Owner, My Insurance Bro
IRDAI-licensed advisor · MBHNOC5128059 10,000+ people advised Zero-spam guarantee Free for life
Meet our team
The people you'll actually talk to
A small team on purpose — the same faces from your first question to your first claim.
Isha Raghuvanshi
Term Insurance Specialist · IndoreTerm life: sizing cover against what a family would actually need, and getting the disclosures right so the claim is not contested later.
Speak to the specialist for the cover you are looking at.
Didn't buy from us? Still
covered.
We'll help you claim on a policy you bought somewhere else
Bank, an agent who stopped answering, or an app that is only a chat window? Bring us the policy.
- Any insurer, any policy
- No fee, no switching
- Documentation and follow-ups handled
- Rejected? We tell you if it is worth contesting
How it works
1
Send us the policy
A photo of the schedule page is enough.
2
We read the wording
Covered, excluded, and where this claim stands.
3
We file and follow up
Chasing the insurer until there is a decision.
4
Rejected? We escalate
Grievance cell, then the Insurance Ombudsman.
The My Insurance Bro Experience
From the right plan to lifetime claim support.
We start with what you actually need
Half the people who come to us need less cover than they were about to buy.
Numbers, not brochures
Settlement ratios, complaints and waiting periods.
Wording in plain English
We read the exclusions out loud before you buy.
Lifetime claim support — even on a policy you bought elsewhere
Paperwork, pre-authorisation, insurer follow-ups, and the Ombudsman if it comes to that.
Zero spam, ever
Your number is not a lead to be resold.
Free, and it stays free
Same premium either way — you just get an advisor with it.
We check in at renewal, not just at the sale
Marriage, a child, a home loan, parents crossing 60 — the file gets revisited.
Fifteen minutes on a call covers all seven of these for your situation.
Your Insurance Journey —
Others vs My Insurance Bro
The same three stages, done two different ways.
👎
Traditional Brokers & Others
Generic & commission-driven- ✕ One-size-fits-all push — no look at your health or finances
- ✕ Commission bias — the plan that pays the agent most
- ✕ Fine print left unread — sub-limits and room-rent caps stay buried
👍
The My Insurance Bro Advantage
Personalised & unbiased- ✓ A real conversation first — your family, income and liabilities
- ✓ The whole market compared — shortlisted on published numbers
- ✓ No sales pressure — benefits and waiting periods in plain English
👎
Traditional Brokers & Others
Stressful & error-prone- ✕ No form guidance — medical questions left to you
- ✕ High rejection risk — a missed disclosure surfaces years later
- ✕ Hidden costs — add-ons appearing at checkout
👍
The My Insurance Bro Advantage
Guided & transparent- ✓ Step by step — application through to payment
- ✓ Disclosures double-checked — the part that decides a contested claim
- ✓ Priced in the open — premium, terms and riders before you pay
👎
Traditional Brokers & Others
Abandoned after the sale- ✕ Gone once paid — calls stop being returned
- ✕ Unverified channels — documents from an address you cannot check
- ✕ No claim help — the hospital desk, alone, on the worst day
👍
The My Insurance Bro Advantage
Official issuance, lifetime contact- ✓ Documents from the insurer — direct from the company's own address
- ✓ Still here at renewal — changes, questions and top-ups
- ✓ Lifetime claim management — we file, follow up and escalate
Start on the right-hand column. It costs nothing to find out what you need.
Know what to look for
The three clauses that decide most claims, explained in plain English.
Room Rent Limits
Why a room rent limit costs far more than the room
Waiting Periods Timeline
Waiting periods — what your policy covers, and when
Reading a Claim Settlement Ratio
What a claim settlement ratio does and does not tell you
Read all 7 guides, or skip the reading and ask.
Frequently Asked Questions
Got questions? We've got honest answers.
Yes, 100% free. We don't charge you a single rupee for our advice. We earn a standard commission from the insurance company when you purchase a policy through us — the same commission any agent would earn. This means the price you pay is exactly the same whether you buy directly or through us.
We receive a standard commission from insurance companies when a policy is purchased through us. This is regulated by IRDAI and is the same commission any distributor earns. Importantly, our commissions don't vary much across insurers, so we have no incentive to push one product over another.
Yes. Six months or six years after you bought it, we handle documentation, insurer follow-ups, escalations and settlement tracking at no extra cost. That is what "lifetime claim support" means.
Yes, and there is no charge. Bank, another agent, an app — send us the policy document and we will file and follow up as though you were our own customer. You are not required to move the policy to us, now or later.
Often, yes. We read the rejection letter against the policy wording — a fair share cite a clause that does not apply, or a waiting period already served. If it does not hold up we go to the insurer's grievance cell, then the Insurance Ombudsman: a free statutory forum whose decisions bind the insurer.
We are an IRDAI-licensed insurance advisor and work with leading insurers across life and health. We continuously evaluate them on claim settlement, complaint volume and servicing, and recommend only the ones that hold up.
HDFC Life ICICI Prudential Axis Max Life Tata AIA Bajaj Life Niva Bupa HDFC ERGO Care Health Aditya Birla Star Health SBI General Yes! Once you've decided on a plan with your advisor's help, we assist you through the entire purchase process — application, medical tests (if needed), payment, and policy issuance. The policy is issued directly by the insurer; we simply facilitate the process and make it seamless.
Aggregator sites show you a price comparison and leave you to decide on your own. We go much further: a dedicated human advisor analyzes your specific needs, explains policy details in plain language, helps you through the application, and provides lifetime claims support. We're not a comparison tool — we're your insurance partner.
Never. Zero spam is one of our founding principles. You'll be connected with one dedicated advisor who will call you at a time that works for you. We don't sell your data, we don't auto-dial, and we don't bombard you with follow-ups. If you need space, just tell us.
Still unsure? Ask a licensed advisor — it is free, and there is no obligation.
Book a Free 1-on-1 Consultation
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