INSURHI RATING FRAMEWORK (IRF) — MEDIA BRIEF
Version: IRF-1.0
Website: https://www.insurhi.com/methodology

SUMMARY
Insurhi publishes editorial research ratings for insurance products and providers using a five-dimension rubric with published weights. Scores are not regulator grades, paid placements, or consumer-survey rankings unless explicitly cited.

DIMENSIONS & WEIGHTS
- Coverage & exclusions (30%): How clearly the policy explains what is covered, which exclusions matter, and whether limits fit typical loss scenarios in the category.
- Price & value (25%): How competitive and transparent pricing appears for representative profiles—not a single headline quote, but whether cost drivers are explained.
- Claims speed & reliability (25%): Expected claim workflow quality: reporting channels, turnaround signals, supplement handling, and documented denial patterns.
- Service & support (15%): Accessibility of support during quoting, endorsements, and active claims—including digital tools, agent access, and escalation paths.
- Transparency & consumer fit (5%): Whether the insurer or product clearly states who it is best for, what is not covered, and how to verify terms before purchase.

OVERALL FORMULA
Overall IRF score = (Coverage × 30%) + (Pricing × 25%) + (Claims × 25%) + (Service × 15%) + (Transparency × 5%)

UPDATE CADENCE
Flagship products and major providers are reviewed at least quarterly, or sooner when policy forms, pricing filings, or claims workflow disclosures change materially.

EDITORIAL CONTACT
editorial@insurhi.com

DISCLAIMER
Insurhi provides educational research, not licensed insurance advice. Readers should confirm coverage, exclusions, and pricing with official policy documents before purchase.