We pull and compare claim-payment history for leading insurers so picking the best 2–3 becomes simple and obvious.
For the 2–3 insurers you shortlist, we benchmark their policies against the market using 30 claim-impact parameters — coverage, sub-limits, co-pay, room-rent rules, TPA vs in-house, waiting periods and more.
For the final policy you choose, we produce a one-page verdict + a detailed 50-parameter PDF covering: coverage, riders, exclusions, documentation rules, claim process, premium drivers, and exact policy wording points you must know — before you buy.