Education-first · IRDAI-compliant · No sales pressure
Insuriam — The Smart Way to Compare & Understand Insurance in India
Scan. Compare. Secure. Insurance Simplified.
A free, evergreen resource for Indian households — long-form guides, a 500+ term glossary, claim walk-throughs, and educational calculators for health, life, motor, and travel insurance.
What you'll find here
Four pillars, zero sales pressure.
Learn
Long-form guides on health, term life, motor, and tax. Written for Indian policyholders, not agents.
Compare
Calculators that show indicative ranges — ULIP vs mutual fund, term cover, section 80D, health adequacy, and more.
Calculate
Formula-based educational estimators. No live quotes. No lead capture. Just the math.
Claims
Step-by-step claim walk-throughs — what to do, what to expect, how long each step takes.
Browse by category
Start with the insurance line that applies to you today.
Why Insuriam?
We don't sell insurance
We are an educational publisher, not an IRDAI-licensed broker or agent. Our incentives are the same as yours — help you understand, not push a policy.
No dark patterns
No false urgency, no basket sneaking, no confirm shaming, no pop-ups begging you to buy. IRDAI directive April 2026 + CCPA Dark Patterns Guidelines 2023 — we reject all 13 prohibited patterns.
Plain-English explainers
Every concept, regulation, and product category in the Indian insurance market — explained factually, with worked examples in rupees, IRDAI citations, and Indian context. No jargon, no upsell.
Start with these guides
Five essentials every Indian household should read before buying any policy.
What is health insurance in India?
Family floater, waiting periods, sub-limits, co-pay — a complete beginner guide.
LifeHow much term cover do you actually need?
The Human Life Value method and the expense-replacement method, with worked examples.
ToolTerm Insurance Need Calculator
Human Life Value + expense-replacement method — with the math shown step by step.
HealthCashless vs reimbursement — which to prefer?
How each works, the timelines, and the hidden gotchas at claim time.
MotorComprehensive vs third-party motor insurance
What you are legally required to have, and what you actually need in Indian conditions.
TaxSection 80D health insurance deduction
Limits, who qualifies, preventive-health checkup, senior citizen rules.
Why we are an educational publisher, not a seller
Insurance in India is regulated by IRDAI. Operating as a broker, agent, or web aggregator requires a license — which brings legitimate oversight, but also the commercial pressure to push products. We have chosen the educational-publisher path instead, which means we can write honestly about every product category, including the ones most platforms cannot criticise. Read our full compliance statement.