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Oquilia Score combines IRDAI claims-settlement ratios, hospital network breadth, and clause-by-clause policy reading. Below is a preview — the full table covers 30+ insurers and 25+ banks.

Insurer	Oquilia Score	Claims Difficulty	CSR	Network
Star Health	8.2	Low	94.4%	14,000+	View
Niva Bupa	7.9	Low	92.1%	10,000+	View
HDFC ERGO	7.8	Low	91.8%	13,000+	View
Care Health	7.5	Medium	89.5%	21,000+	View

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Latest Gotcha

Room rent sub-limits can slash your claim by 60%

A 1% sub-limit on a ₹5L policy caps room rent at ₹5,000/night — and the insurer reduces your entire claim proportionally.

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April 2026 Recap: RBI Repo, Tax Filing Deadlines, and What Changed for Indian Investors