Understand health, life, motor and other insurance, estimate the cover you need, compare products and quotes, and follow claim and complaint steps with official resources.
Types of insurance
- Health insuranceHospital treatment covered by a policy, paid directly to a network hospital or reimbursed to you.
- Term life insuranceLife cover for a fixed term that pays your nominee if you die during the term.
- Life insuranceTerm, savings, unit-linked, whole-life and pension plans, and how they differ.
- Motor insuranceThird-party cover required by law, own-damage cover, IDV and No Claim Bonus.
- Car insuranceThird-party and comprehensive cover for private cars, add-ons and claims.
- Two-wheeler insuranceCover for scooters and motorcycles: third-party, own damage and renewals.
- Personal accident insuranceFixed benefits for accidental death and disability, separate from health insurance.
- Travel insuranceMedical emergencies abroad, trip delays and lost baggage or passport.
- Home insuranceCover for the building and its contents against fire, natural disasters and burglary.
- Business insuranceProperty, goods in transit, liability and employee cover for shops and small businesses.
- Agriculture and rural insuranceCrop insurance under PMFBY, livestock cover and other rural insurance: who can enrol and where.
Calculators
- Health insurance cover calculatorCompare the health cover you want with the cover you already have, and see the gap.
- Term life insurance cover calculatorEstimate how much life cover your family would need, and the gap after existing cover.
- Insurance coverage gap calculatorEnter the cover you need and the cover you have; see the gap and the shortfall in percent.
- Motor insurance premium guideSee which parts make up a motor premium for your vehicle and policy type. No price is shown: get quotes from insurers.
- Compare premiums you were quotedPut up to four quotes side by side, with the premium for each ₹1 lakh of cover. Your figures are not stored.
Claims and complaints
- How to make a health insurance claimCashless or reimbursement: which route to take and what happens at each step.
- Cashless health claimsHow cashless treatment is approved at a network hospital, and the time limits.
- Reimbursement health claimsPaying the hospital first and claiming the money back: documents and time limits.
- How to make a life insurance claimDeath claims by the nominee: documents, steps and the time the insurer has to decide.
- How to make a motor insurance claimOwn-damage, theft and third-party claims: reporting, survey and settlement.
- Claim rejected? Complaints and the Insurance OmbudsmanHow to challenge a rejection or short payment: insurer, IRDAI's Bima Bharosa and the Ombudsman.
Renewals and policy terms
- Renewing an insurance policyGrace periods, keeping your benefits and what to check before you renew.
- Policy exclusions: what insurance does not coverWhere to find exclusions in a policy and how to read them.
- Waiting periods in health insuranceInitial, pre-existing disease and specific illness waiting periods, and how continuity helps.
- Lost or missing policy documentsGetting a duplicate policy and making a claim when the papers cannot be found.
Compare and check
Are you an insurer or an insurance intermediary? List your products on Finobazaar
Official resources
- IRDAI – Insurance Regulatory and Development Authority of India (opens in a new tab)The insurance regulator: regulations, circulars and the lists of registered insurers and intermediaries.
- IRDAI policyholder website (opens in a new tab)IRDAI's site for policyholders: consumer education and how to complain.
- Bima Bharosa – IRDAI grievance portal (opens in a new tab)Register and track a complaint against an insurer after you have complained to the insurer.Toll-free 155255 or 1800 4254 732; email complaints@irdai.gov.in. IRDAI accepts complaints from the policyholder or claimant, not from agents or other people writing for them.
- Council for Insurance Ombudsmen (opens in a new tab)A free complaint to the Insurance Ombudsman when the insurer has not resolved your complaint. Claims up to ₹50 lakh.
Addresses checked on 19 October 2026.