How it works.

Term plans and health cover, from many insurers. Four steps: pick, customise, choose, buy.

1 · Pick your plan

The front page shows three plans, already priced, with the cover amount set by hand. “Show all plans” opens the full list - every insurer, one plan each, ordered by premium or by claims settled. Each plan shows its premium, its claim record - the share of claims the insurer paid - and what it does not cover. Cover already held - own, or through an employer - counts toward the amount. Nothing is asked to see any of it. The premiums are priced for an age and income band, from the insurers’ published rates: close first, exact once it’s yours.

2 · Make it yours

The picked plan asks for a few exact details, on the plan itself: a first name and date of birth. A term plan asks the income; a health plan asks who is covered, and where. The premium turns exact as they go in. The full information of the plan is laid out beside it - what is covered, what is not, and what ( onn ) is paid. The plan can also be sent to someone you trust, who sees it exactly as it was set and says if it looks right - or points to a better one.

3 · Choose

The plan, with everything added to it so far - the lines given, the insurer chosen over the others, a friend’s word if one was asked. Beside it, what buying here means: the insurer’s own price, no plan pushed, no phone number until the policy is booked, the policy exactly as the plan was set. The choice is made by saying so.

4 · Buy

The plan becomes the policy - the same numbers, on the insurer’s paper. The last lines are the policy’s own: PIN code, nominee or family members, date of birth if not already given. Then pay. The insurer issues the policy - and asks for contact details then, on the insurer’s own page.

How the numbers are sized

A term plan: the recommended cover is 16 years of income - the published rule of thumb is 15 to 20 times a year’s income; the site uses 16. Cover already held, own or through an employer, counts toward it. The cover amount on the plan is set by hand; the plan states how many years of that income it covers.

Health cover: the recommended cover is a worst year - the cost of the single costliest treatment a member of the household could need within one year at a leading private hospital in that city, with room for a second episode in a larger household. The range shown under the cover amount is the low and the high of those costs; the recommended figure is the middle of that set. Sizes rise with the household and the city.

Published hospital price guides, September 2026: a liver transplant ₹15–35 lakh nationally and ₹35–60 lakh in Mumbai and Delhi, complications adding ₹5–10 lakh; a cancer year ₹10–30 lakh - surgery ₹2–5 lakh, six to eight chemotherapy cycles at ₹0.5–2 lakh each, radiation on top; intensive care ₹15,000–30,000 a day. Every figure on a plan opens its source.

What is never asked

A phone number. Not to see the plans, not to pick one, not to send one, not to buy - from search to buy. So there are no adviser calls: there is no number to call.