Best Insurance apps in India
15 ranked. Insurance and policy management apps in India, ranked by GoCredible Score across the public app store ratings, with the full star split published rather than the average alone.
Last updated 2026-10-09.
Ranked by: GoCredible Score, highest first
How we ranked this
- Rating average across every public source we cover
- Number of ratings behind that average
- How recent those ratings are
No company paid for a position in this ranking. Read the full method
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1
Go Digit
GoCredible Score 4.7 out of 5, from 148,411 ratings across 2 public sources.
Google Play averages 4.8 against the Apple App Store's 4.2, yet its star histogram includes 2,707 one-star ratings, 2.2% of the 123,212 total.
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2
Tata AIA Life
GoCredible Score 4.7 out of 5, from 139,366 ratings across 2 public sources.
The app averages 4.7 on Google Play from 110,590 ratings and 4.7 on the App Store from 28,776. On Google Play, 81.3% of ratings are five stars and 3.0% are one star.
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3
ACKO
GoCredible Score 4.6 out of 5, from 449,472 ratings across 2 public sources.
ACKO scores higher on the App Store (4.8) than on Google Play (4.6), while one-star scores make up about 5% of its Google Play distribution.
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4
ICICI Prudential Life
GoCredible Score 4.6 out of 5, from 130,117 ratings across 2 public sources.
The app averages 4.6 on Google Play from 102,023 ratings and 4.7 on the App Store from 28,094. On Google Play, 79.6% of ratings are five stars and 3.5% are one star.
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5
My LIC
GoCredible Score 4.6 out of 5, from 462,272 ratings across 2 public sources.
The app averages 4.6 on Google Play from 416,463 ratings and 4.7 on the App Store from 45,809. On Google Play, 79.6% of ratings are five stars and 2.9% are one star.
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6
Niva Bupa
GoCredible Score 4.6 out of 5, from 197,415 ratings across 2 public sources.
Apple App Store's 4.7 average sits above Google Play's 4.5, while 5.6% of Google Play ratings are one-star.
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7
Star Health
GoCredible Score 4.6 out of 5, from 490,524 ratings across 2 public sources.
Although both stores show the same average rating, Google Play has 386,318 ratings to the Apple App Store's 104,206, and one-star ratings make up 4.0% of its histogram.
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8
Tata AIG
GoCredible Score 4.6 out of 5, from 60,125 ratings across 2 public sources.
The app averages 4.6 on Google Play from 52,097 ratings and 4.6 on the App Store from 8,028. On Google Play, 82.0% of ratings are five stars and 5.2% are one star.
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9
ICICI Lombard
GoCredible Score 4.5 out of 5, from 87,637 ratings across 2 public sources.
The app averages 4.5 on Google Play from 77,365 ratings and 4.2 on the App Store from 10,272. On Google Play, 77.2% of ratings are five stars and 6.5% are one star.
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10
Axis Max Life Insurance
GoCredible Score 4.4 out of 5, from 17,288 ratings across 2 public sources.
Google Play's 4.0 from 9,020 ratings contrasts with the App Store's 4.8 from 8,268, and 16.1% of Google Play ratings are one star.
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11
Policybazaar
GoCredible Score 4.4 out of 5, from 715,284 ratings across 2 public sources.
The stores diverge, with Apple App Store averaging 4.7 against Google Play's 4.4, where one-star ratings account for 7.1% of all ratings.
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12
Care Health Insurance
GoCredible Score 4.3 out of 5, from 96,691 ratings across 2 public sources.
Google Play's 4.2 from 72,349 ratings contrasts with the App Store's 4.6 from 24,342, and 14.9% of Google Play ratings are one star.
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13
HDFC ERGO
GoCredible Score 4.1 out of 5, from 22,162 ratings across 2 public sources.
Google Play's 4.2 from 17,367 ratings contrasts with the App Store's 3.9 from 4,795, and 13.4% of Google Play ratings are one star.
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14
HDFC Life
GoCredible Score 4.1 out of 5, from 41,940 ratings across 2 public sources.
The app averages 4.1 on Google Play from 35,858 ratings and 4.3 on the App Store from 6,082. On Google Play, 67.3% of ratings are five stars and 14.9% are one star.
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15
Bajaj General Insurance
GoCredible Score 3.7 out of 5, from 42,477 ratings across 2 public sources.
Google Play's 3.7 from 39,378 ratings contrasts with the App Store's 3.3 from 3,099, and 27.9% of Google Play ratings are one star.
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Side by side
| # | Company | Score | Ratings | City |
|---|---|---|---|---|
| 1 | Go Digit | 4.7 | 148,411 | Bengaluru |
| 2 | Tata AIA Life | 4.7 | 139,366 | Mumbai |
| 3 | ACKO | 4.6 | 449,472 | Bengaluru |
| 4 | ICICI Prudential Life | 4.6 | 130,117 | Mumbai |
| 5 | My LIC | 4.6 | 462,272 | Mumbai |
| 6 | Niva Bupa | 4.6 | 197,415 | Gurugram |
| 7 | Star Health | 4.6 | 490,524 | Chennai |
| 8 | Tata AIG | 4.6 | 60,125 | Mumbai |
| 9 | ICICI Lombard | 4.5 | 87,637 | Mumbai |
| 10 | Axis Max Life Insurance | 4.4 | 17,288 | Gurugram |
| 11 | Policybazaar | 4.4 | 715,284 | Gurugram |
| 12 | Care Health Insurance | 4.3 | 96,691 | Gurugram |
| 13 | HDFC ERGO | 4.1 | 22,162 | Mumbai |
| 14 | HDFC Life | 4.1 | 41,940 | Mumbai |
| 15 | Bajaj General Insurance | 3.7 | 42,477 | Pune |
What to look at before you choose
An app rating is not a claim settlement record
The number that matters when buying insurance is how often claims are paid, and the regulator publishes that separately. What is scored here is the reputation of the app and the service around it.
Renewal season shapes the reviews
Complaints on these apps cluster around renewal and around a claim being questioned. Both happen long after purchase, so a young app's average has not yet met the part of the business people actually rate.
A three step check
Check the volume
A 4.8 from 30 ratings is a weaker signal than a 4.3 from 900.
Check the date
A business changes hands, a manager leaves, and the rating takes a year to catch up. Look at what people wrote this quarter.
Check whether anyone replied
A company that answers its worst reviews is telling you what happens when something goes wrong for you.
Questions
Should I choose an insurer on this ranking?
No. Use it to see how a company behaves in public, then read the regulator's claim settlement figures before buying anything.
How often is this ranking updated?
Whenever a source's rating average is refreshed. Each entry carries its own as of date.
Can a company pay to rank higher here?
No. Placement is the GoCredible Score and nothing else. If that ever changes, the paid entries are labelled inline.
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