India App Quality Report · Q4 2026 · Insurance
What breaks in India's insurance apps
On 23 October 2026 we read the 98 reviews Google Play shows on 9 of India's most-used insurance apps. 25.5% describe the app malfunctioning — above the 10.7% across all 187 apps in the India App Quality Report.
Fewer than 100 reviews were read for this category, so its figures have a wide uncertainty range. Treat them as indicative.
Features that don't work lead, at 10.2% of reviews
Share of the category's storefront reviews that describe each kind of malfunction, against the same share across all 187 apps.
What to test first in insurance apps
- Policy documents, renewals and claim uploads. Features that don't work are this category's top malfunction (10 of 25). Test cases →
- Cold start on budget phones: crashes and freezes come next (8). Test cases →
- Premium payment through the gateway, including what the customer sees if the app is killed before the result screen. Test cases →
- KYC inside purchase and claim flows. Test cases →
The 9 apps we read
| App | Rating | Installs | Days since update | Reviews read | Malfunction reviews | Main problem |
|---|---|---|---|---|---|---|
| ACKO | 4.6★ | 1Cr+ | 50 | 16 | 0 | – |
| Digit Insurance | 4.8★ | 50L+ | 25 | 6 | 2 | A feature doesn't work |
| HDFC ERGO | 4.3★ | 50L+ | 13 | 6 | 2 | A feature doesn't work |
| ICICI Lombard IL TakeCare | 4.5★ | 1Cr+ | 28 | 17 | 4 | Crashes, freezes, won't open |
| LIC Digital | 4.2★ | 1Cr+ | 4 | 18 | 9 | A feature doesn't work |
| PolicyBazaar | 4.4★ | 1Cr+ | 15 | 18 | 0 | – |
| Star Health | 4.6★ | 50L+ | 15 | 6 | 2 | Slow or laggy |
| Tata AIG | 4.6★ | 10L+ | 7 | 6 | 4 | Crashes, freezes, won't open |
| Zuno General Insurance | 4.6★ | 1L+ | 43 | 5 | 2 | A feature doesn't work |
Per-app counts are small samples of what each storefront showed on 23 October 2026 (up to 18 reviews for apps with 1 crore+ installs, up to 6 for smaller apps). Google changes which reviews it shows, so read them as a snapshot, not a verdict on an app.
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How these numbers were made
We loaded each app's Google Play India store page on 23 October 2026 and recorded every review shown: up to three per language, in English and Hindi for every app and also in Bengali, Marathi, Telugu and Tamil for apps with 1 crore or more installs. Each review was coded for the one main problem it describes against a written codebook, and a second coder re-coded a random sample blind (92.1% agreement on whether a review describes a malfunction). A review counts as a malfunction when its main problem is a crash or freeze, a login or OTP failure, a failed payment, a feature that doesn't work, slowness or wrong data. Ranges are 95% Wilson intervals. Full method, codebook and limits are in the report.
Cite as: 99tests (2026). India App Quality Report, Q4 2026 — Insurance. https://99tests.com/research/app-quality/insurance-apps. Data CC BY 4.0. Google Play is a trademark of Google LLC; this page is not affiliated with or endorsed by Google or any app developer named.
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