How we're paid

When you buy or switch a health policy through us, the insurer will pay us a commission. That's the whole business model: no subscription, no markup, no selling your data. We'd rather you hear it from us on page one than find it in a footnote.

And it costs you nothing extra. Your premium is set by the insurer and filed with the regulator. It's the same price with us or without us. Our commission comes out of the insurer's side, not on top of yours.

Commission is a percentage of your annual premium. Each insurer sets its own rates, inside the overall limits IRDAI places on what insurers can spend on distribution, and the rate genuinely differs by insurer and by product. That's why you won't find one number printed here: any single figure would be wrong for most policies, and stale within a year.

So here's our deal instead, and it's better than a range: ask, and we'll tell you the exact number. On any policy we recommend, you can ask what we'd earn if you took it, and we'll answer in rupees, for that specific policy, before you decide anything.

Three reasons, none of which require trusting our character.

First, the recommendation doesn't know what pays us. Plans are ranked on fit and evidence (the decoded policy wording, the insurer's track record in regulatory filings) and every recommendation shows its reasoning, traced to the source. You can check the work; that's the point of the rest of this site.

Second, the numbers we score insurers on aren't ours to bend. They come from the regulator's filings, recomputed and cross-checked. An insurer can't pay us to look better, because we don't control what their filings say.

Third, we'll tell you when less is more. If a smaller cover (or the policy you already have) is the right answer, that's the answer you'll get. Even when it pays us less, or nothing.

Honesty means naming the moments where the incentive could pull the wrong way. Here they are.

• Switching pays us more than staying. Commissions on a new or ported policy are typically higher than on a renewal. So when we audit your existing policy, the outcome that pays us best is 'switch.' Our check: the audit's verdict is driven by the same decode-and-score evidence you can see on this site, and 'keep what you have' is a first-class outcome of every audit, not a failure state.
• Bigger premiums mean bigger commissions. A pricier plan or an extra rider earns us more. Our check: we flag over-insurance explicitly. When a benefit doesn't fit your profile, the recommendation says so, with the reasoning attached.
• We only earn when you act. If the best advice is 'do nothing this year,' we make nothing. We'd rather eat that than become the thing this site was built against.