PolicyGhar is an online insurance marketplace that lets Indian consumers compare and purchase health, motor, term, travel, and investment plans from multiple insurers in seconds. The platform provides instant digital policy issuance, cashless claim support, EMI payment options, and a single dashboard to manage and renew all policies, backed by advisor assistance throughout the buying and claim process.
Funding
Funding not disclosed
Founders
Product
Problem
Many consumers in India face high out‑of‑pocket costs and complex paperwork when trying to purchase health, motor, term, travel, or investment insurance, often leading to delayed coverage or sub‑optimal policy choices.
Solution
PolicyGhar operates an online insurance marketplace that aggregates plans from multiple insurers and lets users compare quotes in seconds. The platform presents clear premium and coverage details, supports cashless health and motor policies, and offers instant policy issuance with optional EMI payments. Users can customize add‑ons, view tax benefits, and manage all their policies from a single dashboard. Integrated support from insurance advisors assists throughout the buying process, claim filing, and renewal, reducing the need for in‑person visits and paperwork.
Target Audience
Primary customers are individual consumers and families in India seeking affordable, quickly purchasable insurance, as well as small businesses and employers looking for group health coverage.
Features
- Real‑time comparison of health, motor, term, travel, and guaranteed savings plans from leading insurers
- Instant policy issuance with digital documents and optional monthly/quarterly payment options
- Cashless treatment network integration for health and motor policies
- Single‑pane dashboard to store, track, and renew all purchased policies
- Advisor chat and phone support for quote assistance, claim guidance, and post‑sale service
- Tax benefit calculators and No‑Claim Bonus tracking for eligible policies
- Add‑on customization (e.g., zero depreciation, engine protector, personal accident cover) for motor plans
- Dedicated sections for NRI investment plans and group medical insurance for employers