MAM
Dell is India’s most trusted brand: TRA report
NEW DELHI: Dell has achieved top spot as India’s most trusted brand, for the second year in a row, in TRA’s Brand Trust Report (BTR) 2020. In the second place is Mi Mobiles, which also led the mobile phone category for the first time this year. Samsung Mobiles secured the third place, followed by Apple iPhone and LG Televisions taking fourth and fifth ranks, respectively.
Oppo took the sixth spot on the trust ranks this year. Hindi GEC Sony Entertainment Television came in seventh, featuring among the top ten for the first time in ten years. Maruti Suzuki was in eighth place, and also the leader in the automobile super-category. The ninth most trusted brand rank went to Samsung Televisions, with Vivo mobile phones finishing tenth. Five mobile phone brands made it to the top-ten list from among the twenty listed, making it the largest category in the report.
TRA’s Brand Trust Report 2020 is the result of comprehensive primary research conducted on its proprietary 10-brand-behaviours which make up the brand trust matrix. This year’s study had 1,711 consumer-influencers across 16 cities as respondents and over 8,000 unique brands were analysed, from which the top 1,000 brands have been listed in this year’s report. The report lists 323 categories and 41 super-categories and F&B and FMCGs.
The categories with the largest number of brands are F&B (151 brands) and FMCG (144 brands) contributing to 29.5 per cent of the total brands. LG secures a grand slam with leadership in televisions (all-India rank 5), refrigerators (All-India Rank 14), washing machines (all-India rank 26). Some other category leaders in TRA’s Brand Trust Report 2020 are Patanjali Dant Kanti (all-India rank 15) from toothpaste category which has broken the nine-year winning streak of Colgate, and Airtel (all-India rank 20) from mobile service providers.
Other category leaders include, Tanishq (all-India rank 48) in jewellery, Euro Kids (all-India rank 52) in pre-school, American Express (all-India rank 59) in credit cards, Muthoot Finance (all-India rank 60) in financial services, Jeep (all-India rank 64) in SUV manufacturer, Zee5 (all-India rank 108) leads in OTT, Okaya (all-India rank 140) in inverter batteries, and Livpure (all-India rank 141) in water purifiers.
TRA CEO N Chandramouli said “The Covid times have been harrowing for brands, and even consumers have been in an extended state of anxiety for multiple reasons. The impact of the pandemic is visible on the trust placed in brands, leading to a dethroning of many erstwhile category leaders.”
When you plan to buy medical insurance for your family, the first question is often about savings. You may assume that buying online automatically means paying less, but that is only part of the picture. The real issue is not just whether the premium looks lower, but whether the policy gives you suitable family health insurance without adding avoidable costs later.
Buying online can sometimes appear more budget-friendly because you can compare plans, review features, and complete the process without depending entirely on offline assistance.
Still, a lower visible price does not always mean better value. To understand whether you can truly save more, you need to look at the full buying experience and the policy terms together.
Why Online Purchase Can Look More Economical
When you explore family health insurance online, you usually get access to plan details in a more direct and organised way. This can make the buying journey feel simpler and more transparent.
A few reasons online purchases may seem cost-effective include:
● Easier comparison of policy features
● Direct access to premium details
● The ability to review inclusions and exclusions at your own pace
● Fewer chances of making a rushed decision
● More control over the plan selection process
This does not mean every online option is automatically cheaper. It simply means the online route may help you assess choices more carefully, and that itself can influence how much value you get from the policy you choose.
Saving Money is Not Only About a Lower Premium
A lower premium often catches your attention first, but that should not be the only measure of savings. If you buy medical insurance based only on what looks affordable at the start, you may overlook conditions that matter later.
A family health insurance policy should be judged on overall value, including:
● The scope of cover
● Waiting period terms
● Exclusions
● Room eligibility conditions
● Sub-limits, if any
● Claim-related terms
● Renewal conditions
If the premium is lower but the policy has stricter internal conditions, the apparent saving may not feel meaningful when you actually need hospitalisation support.
So, the better question is not only whether online purchase costs less, but whether it helps you select a plan that remains financially sensible over time.
Comparing Plans Online Can Prevent Overspending
One clear advantage of the online route is that it allows you to compare different options without pressure. This can help you avoid paying for features you may not need or missing features that matter for your family.
Before you buy medical insurance online, look closely at:
● Who can be covered under the plan
● How the sum insured works for the family
● Whether day care procedures are included
● How pre-existing illness rules are explained
● Whether add-ons are optional or built in
● How clearly the policy wording is presented
This level of comparison can support better decision-making. In many cases, savings come not only from the premium itself but from choosing a policy with fewer surprises.
Online Discounts Should be Viewed Carefully
Online discounts can make a plan look attractive, but they should always be read alongside the policy details. A discount may reduce the upfront cost, yet the true worth of the policy depends on what it covers and how it responds during a claim.
When reviewing discounted online plans, check whether the policy has:
● Treatment-specific limits
● Room rent restrictions
● Co-payment clauses
● Disease-wise waiting periods
● Claim deductions linked to the hospital category
● Limited cover for selected benefits
These points are important because a policy that looks cheaper at purchase may involve more out-of-pocket spending later. That is why discount-led buying should be replaced with detail-led buying.
Final Thoughts
Yes, buying online can sometimes help you save more when choosing family health insurance, but only if you look beyond the headline price. The online route may give you better visibility, easier comparison, and more time to review the policy terms.
That can support smarter choices and may reduce the chances of paying for a plan that does not suit your family well.
If you want to buy medical insurance online, treat savings as more than a discount. The real advantage lies in choosing family health insurance that balances affordability, clarity, and meaningful coverage for your household.
