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Compare, Buy Or Renew Insurance Policy - Health, Life, Car & Bike - Understand your insurance policy options. Identify the best value. Enjoy peace of mind.

Say no to spending hours and days in queues doing the paperwork for your insurance policy. Get your insurance issued instantly with InsuranceDekho. The entire process from selecting the best insurance policy to getting it issued takes just 5 minutes on InsuranceDekho.

InsuranceDekho is becoming a household name in India. Till now we have been successful in providing a delightful experience to more than 14 lac customers with the help of our transparent and quick process, a dedicated support team along with the availability of numerous insurers.

Our dedicated support team is available for your assistance all the 7 days. Feel free to reach out to us in case of any confusion - be it related to the purchase of an insurance policy or assistance during the settlement of a claim, our team of experts is at your service all days.How InsuranceDekho Works?

Fill in your details and get insurance policy premium quotes from top-rated insurers instantly.

Compare Quotes and Choose a Insurance Policy

From numerous available quotes, choose the one that best suits your requirements and budget.

Pay online and get your policy right away in your inbox.Customer's Speak

Know why did they choose InsuranceDekho!

While buying the Universal Sompo car insurance plan for my BMW X5, I came across the add-on covers available on their ...

Universal SompoBy Arjun GroverOn:1st March, 2022

InsuranceDekho's website has a chatbox feature which is very helpful. I wanted to buy a bike insurance plan for my Spo...

Iffco TokioByViraj SinghOn:1st March, 2022

I wanted a good car insurance plan but also I was in a hurry to buy it. I visited the InsuranceDekho website, the poli...

ShriramByVijay KumarOn:1st March, 2022

InsuranceDekho provides a detailed explanation about each plan they offer. After going through all the plans well in d...

ShriramBy Nimesh SharmaOn:1st March, 2022

I recently visited the InsuranceDekho website while looking for a good car insurance policy. I found the website very ...

Iffco TokioBy Raghav VaidwanOn:1st March, 2022

I visited the InsuranceDekho website to get my Liberty car insurance plan that I bought for my Toyota Fortuner, the proc...

LibertyBy Pavan BatraOn:28th February, 2022

KotakBy Kunal SahuOn:28th February, 2022

Good information on the website

I found very detailed descriptions about insurance companies and insurance plans offered by it on the InsuranceDekho’s...

Bharti AxaBy Jay ShuklaOn:28th February, 2022

Frequently Asked Questions About Insurance

Insurance is a contract which is presented as a policy to be used as a risk management tool to ensure financial protection at the time of crisis. Insurance helps an individual to ensure financial protection against losses that may arise during an unforeseen event.

An insurance policy is a contract between an individual (policy holder) and an insurance company (Insurance provider), under which, the individual makes regular payments known as premiums to the insurance company which in return pays the sum assured in case an unforeseen event such as demise of the policyholder, accident, damage to the vehicles or other possessions.

Unfortunate events like accidents, illnesses, and natural disasters come without any warning and thus it is necessary for you to keep yourself and your loved ones shielded against such unforeseen happenings. One of the best and simplest ways of keeping yourself secured against these contingent events which may cause a financial loss is buying an insurance policy.

As mentioned earlier, insurance is a legal contract between the policyholder and the insurance provider. The insurance policy carries all the details about the aspects and conditions under which the insurance provider will pay out the insurance amount to the policyholder or their nominee in case an unforeseen event occurs. Insurance is a financial tool which helps in ensuring financial protection of yourself and your family.

Generally the person who has purchased the policy also known as policyholder has to pay premiums for the coverage available under the insurance policy. Any person can seek insurance from an insurance company.

4What are the types of insurance available?

IThere are several types of insurance available in India. The four most common types of insurance bought in India are as mentioned below:

Motor Insurance: Motor insurance policy is a type of insurance policy that provides financial assistance in the event of an accident or mishap involving your vehicle. Motor insurance can be purchased for three categories of vehicles which are personally owned four wheeler, personally owned two wheeler (bikes and scooters) and commercial vehicles.

There are three types of motor insurance available in India which are Third party Liability Cover, Comprehensive Cover and Stand Alone Own-Damage cover. According to a person’s coverage requirement for their vehicle, they can choose a motor insurance that fulfills their requirements. Third party motor insurance policy is mandatory in India for all vehicles, as per the Motor Vehicles Act.

Health Insurance: Health insurance policies provide financial assistance to the policyholder in case they need to be admitted to the hospital for any kind of treatment. Additionally, some health insurance plans also cover the cost of treatment which are undertaken at home before the hospitalization or after discharge.

There are several health insurance plans available in India such as Individual Health Insurance, Family Floater Plans, Critical Illness Cover, Senior Citizen Health Insurance, Group Health Insurance, Maternity Health Insurance and Personal Accident Insurance.

Life Insurance: Life insurance is an agreement between an individual and an insurance company under which the insurance company promises to provide a sum assured (death benefit) to the family of the life assured in the event of an unforeseen death of the life assured.

In case of no death, a sum assured known as the maturity benefit is provided to the life assured at the time of maturity of the policy under selective life insurance plans. There are 6 types of life insurance policies available in India which are Term Life Insurance, Unit-Linked Insurance Plan (ULIPs), Child Protection Plan, Money Back Plans, Retirement Plans and Endowment Plans.

5How to make a claim in insurance?

There are two ways in which you can make a claim:Cashless claims:  Get in touch with your insurer and inform them about your claim.

Depending on the type of insurance (motor/health), the insurer will guide you about the cashless claim settlement process. In case of motor insurance, the insurer shares the details of a nearby cashless workshop if available and you just have to pay your part of the liability to get your car/bike repaired.

In case of health insurance, you can get in touch with your TPA (Third Party Administrator) help desk at the time of hospitalization for a cashless claim.Reimbursement claim:In case of unavailability of a cashless facility, you need to make a reimbursement claim. In case of motor insurance, you need to pay the entire claim amount up front (after informing the insurer of the claim) and get it reimbursed from the insurer after the repair of your car/bike.

In case of health insurance, you need to pay the entire bill amount to the hospital (after informing the insurer) and get it reimbursed from the insurer post discharge from hospital.

6What are the tax benefits on insurance?