We design and distribute insurance across four core verticals — each engineered for affordability, simplicity, and seamless embedding into existing financial relationships.
Term life, credit life, and loan protection plans that safeguard families from financial devastation. Designed for the informal economy — affordable premiums, straightforward claims, and group cover structures that scale through MFI and NBFC channels.
In India's informal economy, the loss of a primary earner often pushes families into multi-generational debt. Credit life products at the loan level remove that risk at a fraction of the cost of retail term insurance.
For daily wage earners, a single hospital admission means lost income on top of medical bills. HospiCash and micro-health plans replace lost earnings during admission and shield households from one of the most common causes of poverty in India.
Hospitalization cash benefit (HospiCash), critical illness cover, and micro-health plans built for daily wage earners and low-income households. A single hospitalization without cover can erase years of savings — we make sure it doesn't.
Third-party liability, own damage, and comprehensive motor covers distributed via partner networks. Two-wheeler and four-wheeler policies embedded at loan origination for vehicle finance customers — instant issuance, paperless KYC, cashless claims network.
When motor insurance is bundled into the loan journey at point of sale, attachment rates exceed 95% — and customers walk out with a fully compliant policy in their inbox before they ride off.
Protection plans sit at the intersection of insurance and social security — filling the gaps that neither government schemes nor traditional insurance reach. Embedded into partner journeys invisibly.
Personal accident cover, income replacement plans, and bundled protection suites. These plans sit at the intersection of insurance and social security — filling the gaps that neither government schemes nor traditional insurance reach, embedded into partner journeys invisibly.
We do not build direct-to-consumer channels. We go deeper — embedding insurance into the financial relationships that already serve the underserved.
We onboard MFIs, NBFCs, cooperatives, and digital lending platforms as distribution partners. Our API stack connects seamlessly into their loan origination systems, apps, and field agent workflows — making insurance issuance a natural step in their existing customer journey, not an interruption.
For each partner segment, we co-design the right product stack. A rural MFI borrower needs credit life. An urban NBFC customer needs HospiCash. A vehicle loan customer needs motor cover. Premiums are calibrated to income levels. Benefit structures are kept simple. Claims are designed for first-time claimants.
Urban customers get instant digital issuance. Rural customers are served through partner field agents backed by our digital platform. Every policy is issued electronically, every claim is tracked digitally — but the human touch stays intact where it matters most.
Renewal nudges, claim follow-ups, and upsell triggers are built into the platform. Our goal is a customer who stays covered year after year — not a one-time transaction. Partner performance dashboards give real-time visibility into activation rates, premium volumes, and claims.
We'll co-design the right product stack for your customers — and integrate it in days, not months.
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