Coverage: The extent of coverage is the primary aspect to look at when comparing policies. Ensure the policy covers a wide range of accidents, including minor injuries leading to temporary disability, and severe incidents causing permanent disability or death. Also, check if the policy offers global coverage, which can be critical for employees traveling internationally for work.Premium: The cost of the premium is a significant factor to consider. Look at the cost-to-benefit ratio—how much coverage and what benefits are being offered against the premium charged. Remember, the cheapest policy may not always be the best one if it doesn’t provide adequate coverage.Claim Settlement Ratio: The claim settlement ratio is a clear indicator of an insurance company’s reliability. It is the ratio of the total number of claims settled by the insurer to the total number of claims received. A higher ratio indicates a better chance of your claim being settled.