Health, Life, Motor, Home, Business insurance — premium, sum insured, coverage, claim ratio, network hospitals anni side-by-side compare cheyyi. 20+ insurers, 100+ plans, one free comparison tool. DSA Loan Agent meeru ki best plan suggest chestaaamu — zero charge.
🔒 Safe & secure. Agent calls within 30 mins with plan options.
Wrong insurance plan cheyyadam = overpaying premium with under-coverage. We make sure you get exactly what you need, at the best price.
HDFC Ergo, Star Health, LIC, ICICI Lombard, Bajaj Allianz, SBI General, Niva Bupa, Care Health — all compared in seconds.
IRDA-published claim settlement ratios for every insurer — meeru claim time lo reject avvaddu. 95%+ ratio unte excellent.
AP & TG lo meeru nearest hospitals which insurer covers — Hyderabad, Vijayawada, Warangal, Guntur, Tirupati cashless network verified.
No hidden fees, no forced purchase. We compare, explain, recommend — you decide. Banks and insurers pay us commission, not you.
Family size, health conditions, age, budget — agent does a needs analysis and recommends only what fits your specific situation.
Existing policy expire avutundaa? Agent renewal or better insurer ki porting (with existing benefits) help chestadu — no coverage gap.
We go deeper than just premium — every factor that matters at claim time is compared.
Exact yearly cost for same coverage
Total coverage amount
What's included & excluded
Initial & pre-existing disease
IRDA published annual data
Cashless hospitals in AP & TG
Optional riders and benefits
NCB, cumulative bonus
Select insurance type below and compare top plans instantly. Scroll right on mobile to see full comparison.
| Feature | Star Health Family Health Optima |
Niva Bupa Reassure 2.0 |
HDFC Ergo Optima Secure |
Care Health Care Supreme |
ICICI Lombard Complete Health |
|---|---|---|---|---|---|
| Annual Premium (₹5L Cover, 30yr, 1 adult) | ₹7,200 | ₹9,100 | ₹10,500 | ₹8,400 | ₹9,800 |
| Sum Insured Options | ₹3L – ₹25L | ₹3L – ₹1Cr | ₹5L – ₹2Cr | ₹5L – ₹1Cr | ₹3L – ₹50L |
| Claim Settlement Ratio (2023-24) | 90.2% | 96.5% | 94.1% | 95.2% | 87.6% |
| Network Hospitals (Pan India) | 14,000+ | 10,000+ | 13,000+ | 11,400+ | 8,700+ |
| Network Hospitals in AP & TG | 1,200+ | 850+ | 1,100+ | 900+ | 750+ |
| Initial Waiting Period | 30 Days | 30 Days | 30 Days | 30 Days | 30 Days |
| Pre-Existing Disease Waiting | 3 Years | 1 Year | 2 Years | 2 Years | 3 Years |
| Room Rent Limit | 1% of SI/day | No limit | No limit | 2% of SI/day | 1% of SI/day |
| Day Care Procedures | 520+ | All day care | 540+ | All day care | 500+ |
| OPD Cover (Add-on) | ✔ | ✔ | ✔ | ✔ | ✘ |
| Maternity Cover | ✘ | ✔ (Add-on) | ✔ (Add-on) | ✔ (Add-on) | ✘ |
| Annual Health Check-Up | ✔ | ✔ | ✔ | ✔ | ✔ |
| Cumulative Bonus (No Claim) | 5% per year | 20% per year | 50% year 1 | 10% per year | 5% per year |
| Restore Benefit | ✔ Once | ✔ Unlimited | ✔ Unlimited | ✔ Once | ✘ |
| Co-Payment | 0% | 0% | 0% | 10% (Tier-3) | 10% |
| Pre & Post Hospitalisation | 30 / 60 days | 60 / 180 days | 60 / 180 days | 30 / 60 days | 30 / 60 days |
| Best For | Budget buyers | Best overall | High SI needs | Mid-range | Cashless focus |
🔒 Comparison for reference only. Actual premiums may vary based on age, health, location & insurer terms. Get personalised quotes from agent.
📋 Get My Personalised Quotes →From protecting your health to your business — every insurance need covered through a single DSA Loan Agent comparison.
Individual & Family Floater
Term & Investment Plans
Car, Two-Wheeler, Commercial
Fire, Burglary, Liability
Domestic & International
Structure & Contents
From comparison to policy document in your inbox — fast, transparent, and completely free.
Tell Agent which insurance meeru need — health, life, motor, or business. Share basic details like age, coverage needed, and budget.
Agent compares 5–10 relevant plans for your profile — premium, coverage, claim ratio, network hospitals, waiting period all explained.
Agent recommends top 2–3 plans with pros and cons clearly explained. You decide — zero pressure, zero bias.
Policy issued within hours (most digital plans). Agent assists with claim support, renewal, and porting throughout the policy term.
The right insurance plan saves money at purchase and at claim time. Comparison makes the difference.
Same sum insured, same coverage — different insurers charge 20–40% different premiums. A 5-minute comparison can save ₹2,000–₹15,000/year on health insurance alone.
Agent helps you avoid insurers with poor claim history. Comparing CSR data ensures claim doesn't get rejected when you need it most.
Health insurance with higher network hospitals near your home = easier cashless treatment. Comparison shows which insurer covers your nearest hospital.
Pre-existing disease waiting period varies from 1–4 years across insurers. Agent identifies plans with shortest waiting period relevant to your health conditions.
OPD cover, critical illness, maternity, zero depreciation — some plans include these, some charge extra. Comparison ensures you only pay for what you actually need.
Already have insurance but unhappy? Agent checks if porting to a better insurer is worth it — with continuity benefits and no waiting period reset for pre-existing diseases.
Indicative data based on IRDA 2023-24 annual report. Agent gives you the latest confirmed figures at time of comparison.
Insurance comparison lo common doubts — clear, honest answers.
Family health insurance renew chestunte same insurer ki ₹18,000 premium. DSA Loan Agent comparison chestunte Niva Bupa ki ₹12,500 lo same coverage — better claim ratio tho. Agent porting help chesadu, waiting period kuda reset avvaledhu. ₹5,500 annual savings!
Term insurance ki LIC vs HDFC Life compare cheyyadaniki help chesadu. LIC ki ₹16,500, HDFC Life Click 2 Protect ki ₹11,200 same ₹1 Crore cover. CSR difference explain chesadu. HDFC teesukunnaanu — ₹5,300 annual savings, same 98%+ claim ratio. Superb guidance!
Business fire insurance ki 3 companies comparison chesadu. New India Assurance ki lowest premium and 96.2% claim ratio unaindi — same coverage. Agent flood & stock cover include ayyaaya confirm chesadu. Claim cheyyadaniki kuda help chesadu — zero hassle. Mee service chala valuable!
Fill the form and Agent calls back within 30 minutes with personalised plan comparison — premium, coverage, claim ratio, all explained for your specific profile.
Mon – Sat: 9:00 AM – 7:00 PM
Andhra Pradesh & Telangana
🔒 Your data is safe. Agent will call within 30 minutes during business hours.