How We Evaluate Insurance Products

By the NewEdgePolicy Editorial Team · Last updated 13 July 2026

We are transparent about our method: we analyse policy wordings, IRDAI filings, and public data. We do not run proprietary "tests," accept payment for ratings, or claim hands-on trials we have not done.

What our evaluation actually is

When we compare structures or features — for example a super top-up versus a higher base cover — we base it on the policy wording, IRDAI-filed brochures, prospectuses, and publicly disclosed data such as claim-settlement ratios. Our value is making these documents understandable and comparing them on the terms that affect a real claim.

What we are honest about NOT doing

We do not operate a proprietary scoring lab or run hands-on "tests" of insurers, and we will not pretend to.
We do not accept payment from any insurer in exchange for a favourable evaluation, rating, or placement.
Where a judgement is our reasoning rather than a documented fact, we say so.

If this changes

If we ever add a structured rating system or independent testing, we will document the exact methodology here before publishing any ratings, and disclose any limitation. Trust is easier to keep than to rebuild.

Keeping this honest. If any statement here is inaccurate, out of date, or unclear, please tell us. We log corrections with the date they were made. This page is reviewed on our standard editorial cycle.

Related policies

Research MethodologyWe research every topic from primary sources first — IRDAI regulations and circulars, insurer policy wordings, and official government data — before writing a single sentence.

Evidence MethodologyKey claims carry a machine-readable evidence record — the authority behind them, the source, its date, and a confidence level — so you and AI systems can verify them.

Source Selection PolicyWe rank sources by authority. Regulators and primary documents sit at the top; insurer and aggregator marketing sits at the bottom and is never used as proof.

Fact-Checking PolicyBefore a page publishes, its material claims are checked against the primary source and recorded in our evidence layer. Anything we cannot verify does not go in as fact.

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