India's most honest way to
research health insurance.
We analyse every plan, every clause, and every claim pattern so you do not have to wade through 60-page policy documents and sales pitches.
Why research matters before you buy
Most insurance is sold, not explained.
Agents are incentivised by commission, not your coverage needs. You rarely hear about sub-limits, PED waiting periods, or room-rent caps until it is too late.
Policy documents are written to protect insurers.
Dense legal language hides critical exclusions. What looks like full coverage often has dozens of conditions buried in the fine print.
Claim denials happen because of gaps nobody told you about.
Most disputes arise from documentation errors or misunderstood exclusions, issues that are entirely preventable with the right knowledge upfront.
PolicyJack exists to change that.
Not a marketplace. A research utility.
We do not sell plans. We do not earn commissions. We build tools that give you the information insurers would rather you did not have.
Complete Plan Database
Every plan from every major Indian insurer, structured and searchable. Compare sum insured options, PED waiting periods, room rent limits, co-pay rules, and dozens more data points side by side, in plain language.
AI-Powered Rating Engine
Four transparent rating dimensions: claim performance, product benefits, public sentiment, and value for money. Every formula is published. No black boxes, no hidden scoring, no sponsored rankings.
Claim and Case Explorer
A searchable database of real claim disputes, denial patterns, and Ombudsman case outcomes organised by insurer, reason, and year. Understand how each insurer actually behaves when you need them most.
Decision Tools
Pre-purchase checklist builder, claim preparation toolkit, and coverage simulator. Know exactly what documents you need, what exclusions apply to your condition, and what you will actually pay out of pocket.
How we rate health insurance plans
Every rating is computed from a published formula. You can audit our methodology, challenge our conclusions, and see exactly how a plan earned its score.
Claim Performance Rating
How reliably does the insurer settle claims? We analyse settlement ratios, dispute frequency, and Ombudsman case patterns, not just the headline numbers insurers advertise.
Product Benefit Rating
How comprehensive is the coverage, really? We score plans on breadth of benefits, restoration features, maternity cover, consumables inclusion, and absence of harmful sub-limits.
Sentiment Rating
What do real policyholders say? We process large volumes of public reviews, social signals, and grievance data to surface patterns in customer experience that do not show up in brochures.
Value for Money Rating
Does the premium justify the coverage? We compare actual benefits delivered per rupee of premium, adjusted for plan category and coverage depth, so price alone does not mislead you.
Research by category
Different life situations call for different plans. Start with what fits yours.
Individual
Single-person plans with flexible sum insured and feature customisation
Family Floater
One shared sum insured covering the entire family under a single policy
Senior Citizen
Plans designed for age 60+ with higher sum insured and pre-existing condition cover
Disease-Specific
Specialised plans for diabetes, heart conditions, cancer, and other critical illnesses
Top-Up Plans
Extend your existing cover cost-effectively by adding a super top-up layer for high claims
Corporate / Group
Understand your employer-provided cover and identify gaps that need supplementary protection
Guides to make you an informed buyer
Four comprehensive pillar guides covering every aspect of health insurance — from basics to claim disputes.
The Complete Guide to Health Insurance in India
What health insurance actually covers, how to read a policy, and the terms every buyer must understand before signing.
Complete Guide to Health Insurance Policy Clauses
Room rent sub-limits, PED waiting periods, co-pay rules, sub-limits, exclusions — every clause that affects your claim explained.
How to Choose Health Insurance in India: Complete Buyer Guide
A structured framework for evaluating plans based on your age, family, medical history, and budget — not commission priorities.
Health Insurance Claims: Complete Guide for India
Cashless vs reimbursement, denied claim recovery, Ombudsman complaints — what to do when an insurer refuses to pay.
Research every insurer independently
Clause-level reviews of India's major health insurers — CSR trends, plan quality, red flags, and claim patterns from IRDAI data.
Compare the plans people actually search for
Side-by-side clause comparisons of the most popular health insurance pairs — room rent rules, PED waits, co-pay, and more.
HDFC Ergo Optima Restore vs Niva Bupa ReAssure
Read comparison Family FloaterStar Health Comprehensive vs Care Supreme
Read comparison Insurer-levelHDFC Ergo vs Star Health
Read comparison Insurer-levelNiva Bupa vs Care Health
Read comparison Senior 3-wayBest Senior Citizen Plan: HDFC Ergo vs Star vs Care
Read comparison MaternityBest Maternity Plan: Star vs Niva Bupa vs Care
Read comparisonZero Commissions
We earn nothing from insurers. Our incentive is your trust, not a referral fee. Every review is fully independent.
No Lead Forms
We never ask for your phone number or personal details. No insurance agent will call you because of us.
Pure Research
We provide information, not advice. No recommendations on what to buy, only data to help you decide for yourself.
Ready to start your research?
Everything you need to understand your options: plan structures, insurer ratings, claim patterns, decision checklists. No sales pressure, ever.