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Plan Comparison

Insurance Plan Comparison

Compare two insurance plans side by side on premium, cover, claim settlement ratio and hospital network to see which offers better value.

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Insurance Plan Comparison
Compare two insurance plans side by side — find the better value
PLAN A
PLAN B
Key metrics: Higher CSR = better claim reliability | Lower premium for same cover = better value | More network hospitals = easier cashless treatment
Enter both plan details and click Compare

Disclaimer. This comparison is a simplified, weighted scoring model meant to highlight trade-offs, not a substitute for reading full policy documents — always verify CSR figures, exclusions and network hospital lists directly with each insurer, or consult a licensed advisor, before choosing a plan. Read full disclaimer →

How Plans Are Compared

Picking an insurance plan on premium alone is a common mistake. This tool scores each plan using a weighted blend of three factors: cover-per-rupee-of-premium (40% weight) — how much sum insured you get for every rupee spent, Claim Settlement Ratio or CSR (40% weight) — the insurer's track record of actually paying out claims, and network hospital count (20% weight) — how easy cashless treatment will be. The plan with the higher combined score is recommended.

Why CSR matters so much: a cheap policy from an insurer with a poor claim settlement record can leave you paying out of pocket exactly when you need the cover most. This tool deliberately weights CSR as heavily as raw cover-per-rupee so that price alone can't dominate the recommendation.

Worked Example

Plan A: ₹50,00,000 cover, ₹12,000 premium, 98% CSR, 8,000 network hospitals. Plan B: same ₹50,00,000 cover, ₹9,500 premium, 95% CSR, 5,000 network hospitals. Plan B has a better cover-per-rupee ratio (526x vs 417x) and is ₹2,500/year cheaper, but Plan A's higher CSR and larger hospital network give it the edge overall — the calculator recommends Plan A despite the higher premium.

Frequently Asked Questions

CSR is the percentage of claims an insurer actually pays out of all claims filed in a year. A policy is only as good as the insurer's willingness to pay when you need it, so this tool weights CSR equally with cover-per-rupee (40% each) rather than letting a cheap premium dominate the recommendation.
Because premium is only one of three factors. A plan with a slightly higher premium but a meaningfully better claim settlement ratio and larger hospital network can score higher overall, since a cheap policy that's hard to claim against or has few cashless hospitals nearby offers poor real-world value.
It's the sum insured divided by the annual premium — essentially how much protection you're buying for every rupee spent. A higher ratio means more cover for the same money, but it should always be weighed against CSR and network strength, not used alone.
Two-way comparison is a good starting point to understand the trade-offs, but before buying, shortlist and compare at least 3-4 plans from different insurers using the same method — sum insured, premium, CSR and network hospitals — to make a well-rounded decision.
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Related: Annual Insurance Cost Estimator, Insurance Coverage Need Calculator, All Insurance Tools