Score two policies from 1 (poor) to 5 (excellent) on each criterion. Weights reflect how much each factor usually matters. This helps structure your thinking; it is not a recommendation.
| Criterion | Policy A | Policy B |
|---|---|---|
| Premium vs your budget weight 3 | ||
| Sum assured / sum insured adequacy weight 5 | ||
| Waiting periods and exclusions weight 4 | ||
| Claim process & settlement record weight 5 | ||
| Network / service reach weight 3 | ||
| Riders and add-ons you need weight 2 | ||
| Renewability and flexibility weight 3 | ||
| Clarity of policy wording weight 2 | ||
| Weighted score | – | – |