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IRDAI-licensed insurance broker · India

Insurance that behaves the same on claim day as it did on sale day.

We show the complexity instead of hiding it. Every quote lists what it won’t pay for before the buy button. Every claim shows a clock and auto-escalates after 48 hours. We work for the buyer, not the insurer.

Get instant quotes →Browse 18 insurance types
51 IRDAI insurers Exclusions shown first 48-hour claim escalation
Your risk snapshot
62/ 100 insurance score — four named gaps
HealthRoom-rent cap eats 40% of a big bill
MotorIDV set too low pays you less on total loss
LiabilityClaims-made: a lapse is never payable
PropertyUnder-declared value triggers average clause

Illustrative. A real score is computed from your bound policies, declared values and claims.

The fine-print decoder

The four clauses that decide whether you get paid.

All twelve clauses →
Room rent cap

The single line that decides how much of a hospital bill is paid

Sub-limits

Per-disease ceilings that quietly cap a big claim

Waiting period

How long a pre-existing condition is excluded

Average clause

Why under-declaring a factory halves your payout

41 products · 7 groups · every one filed with IRDAI

Cover for a business and cover for a person.

For your business

Employee benefits

Priced per life, from 7 employees up

  • GH
    Group HealthMost bought
    from ₹3.99 L/yr
  • GT
    Group Term Life
    from ₹1.42 L/yr
  • GP
    Group Accident
    from ₹68,000/yr
  • WC
    Workmen CompStatutory
    from ₹52,000/yr
  • GO
    Group OPD
    from ₹18,400/yr

Property & marine

Declared value decides the payout

  • FP
    Fire & Property
    from ₹68,000/yr
  • MB
    Machinery BreakdownOften missed
    from ₹31,500/yr
  • SD
    Stock Deterioration
    from ₹24,800/yr
  • MC
    Marine Cargo
    from ₹42,000/yr
  • SO
    Shop Owner
    from ₹14,200/yr
  • OP
    Office Package
    from ₹19,600/yr

Liability

The losses that end businesses

  • PL
    Product Liability
    from ₹1.12 L/yr
  • PI
    Professional Indemnity
    from ₹1.86 L/yr
  • DO
    Directors & Officers
    from ₹2.24 L/yr
  • GL
    Public Liability
    from ₹34,000/yr
  • CY
    Cyber LiabilityFastest growing
    from ₹94,000/yr
  • CR
    Crime & Fidelity
    from ₹78,000/yr

Engineering & projects

Quoted per project, not per year

  • CAR
    Contractors All Risk
    from ₹1.04 L/yr
  • EAR
    Erection All Risk
    from ₹1.38 L/yr
  • CPM
    Plant & Machinery
    from ₹62,000/yr
  • ALP
    Advance Loss of Profit
    from ₹88,000/yr

For you and your family

Health

Cashless at 14,200 hospitals

  • HL
    Family HealthMost bought
    from ₹9,400/yr
  • H1
    ₹1 Cr Cover
    from ₹18,200/yr
  • OP
    OPD & Dental
    from ₹3,100/yr
  • SR
    Senior Citizen
    from ₹24,600/yr
  • CR
    Critical Illness
    from ₹6,800/yr
  • PA
    Personal AccidentCheapest cover
    from ₹1,900/yr
  • MT
    Maternity
    from ₹11,400/yr
  • TP
    Super Top-upBest value
    from ₹2,700/yr

Life & savings

Term first, investment second

  • TL
    Term Life
    from ₹7,200/yr
  • RP
    Return of Premium
    from ₹14,900/yr
  • TW
    Term for Women18% cheaper
    from ₹6,100/yr
  • CS
    Child Savings
    from ₹24,000/yr
  • RT
    Retirement
    from ₹36,000/yr
  • GR
    Guaranteed Return
    from ₹50,000/yr

Motor, home & travel

Renew in under two minutes

  • CA
    Car
    from ₹4,800/yr
  • TW
    Two-wheelerUpto 85% off
    from ₹1,100/yr
  • HO
    Home & Contents
    from ₹2,400/yr
  • TR
    Travel
    from ₹1,600/yr
  • PT
    Pet
    from ₹3,900/yr
  • CY
    Personal Cyber
    from ₹1,400/yr
The insurer wall

We place with the ones that actually pay.

51 IRDAI-licensed insurers, ranked on the number that matters — claims settled, not ads run. Ratios shown are illustrative until sourced from the insurer of record.

HE
HDFC ERGO
General · 98.5% settled
IL
ICICI Lombard
General · 96.2% settled
BA
Bajaj Allianz
General · 97.1% settled
TA
Tata AIG
General · 96.8% settled
SG
SBI General
General · 95.4% settled
RG
Reliance General
General · 94.2% settled
CM
Cholamandalam MS
General · 95.9% settled
GD
Go Digit
General · 96.4% settled
NB
Niva Bupa
Health · 92.1% settled
SH
Star Health
Health · 89.6% settled
CH
Care Health
Health · 91.4% settled
M
ManipalCigna
Health · 90.8% settled
AB
Aditya Birla Health
Health · 93.2% settled
Lo
LIC of India
Life · 98.6% settled
HL
HDFC Life
Life · 99.4% settled
SL
SBI Life
Life · 99.2% settled
IP
ICICI Prudential
Life · 99.3% settled
ML
Max Life
Life · 99.5% settled
TA
Tata AIA Life
Life · 99.1% settled
KL
Kotak Life
Life · 98.8% settled
BA
Bajaj Allianz Life
Life · 99.2% settled
PM
PNB MetLife
Life · 97.8% settled
NI
New India Assurance
PSU general · 93.7% settled
OI
Oriental Insurance
PSU general · 91.2% settled
UI
United India
PSU general · 90.4% settled
NI
National Insurance
PSU general · 89.8% settled
IT
IFFCO Tokio
General · 94.6% settled
RS
Royal Sundaram
General · 93.1% settled
US
Universal Sompo
General · 92.4% settled
LG
Liberty General
General · 91.8% settled
ZG
Zuno General
General · 92.9% settled
E
ECGC
Credit · 94.1% settled
The promise

We read the fine print

Every exclusion is listed before any buy button — never after.

We stand between you and the insurer

A claim silent for 48 hours auto-escalates with an alert.

We show the gaps

Your insurance score names what is not covered, in rupees.

Questions

The things worth asking before you buy.

Are you an insurer?+

No. We are a licensed IRDAI broker. We work for the buyer — placing your cover with the insurer most likely to pay, and representing you when a claim stalls.

Why do you show exclusions before the price?+

Because the exclusions decide whether a claim pays. Hiding them until after purchase is how people end up with cover that does not cover them.

What does the 48-hour clock mean?+

Every claim starts an insurer clock. If the insurer is silent for 48 hours, the claim auto-escalates — an event is logged and you and your advisor are alerted.