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InsurePoint doesn't just sell you cover. We assess your needs, compare your options, handle paperwork, and review your policy every year — so your insurance actually works when it matters.
Four things we do for every customer — before, during, and long after you buy a policy.
Before recommending anything, we understand your actual situation — your income, family size, existing coverage, and gaps. In person, on call, or on WhatsApp.
You get a policy built around your life, not a generic template.
We pull options from multiple insurers and present them side by side — premiums, exclusions, claim settlement ratios, and add-ons. No brand bias.
You see all your real options, not just the one that pays us most.
When you file a claim, we take over — collecting documents, verifying completeness, coordinating with surveyors, and following up until the payout reaches your account.
Most rejections are procedural. We prevent them before they happen.
Every year before renewal, we reach out proactively to check if your sum insured still makes sense, if a better plan exists, and if life changes need a coverage update.
Your cover evolves with your life — not frozen from when you first bought it.
Four areas where InsurePoint advises and helps you find the right cover. Each card explains the real risks — and what your policy actually does about them.
₹1.5L+average accident repair cost
1 in 3 vehicles in India is underinsured. Most owners only discover the gap after an accident — when it's too late to change the policy.
Comprehensive protection for your vehicles against damage, theft, and third-party liabilities.
Good to know: Zero Depreciation add-on pays the full part-replacement value. Standard policies deduct 30–50% for 'wear and tear' — meaning you may get less than half your car's repair paid.
InsurePoint edge: We scan 15+ motor insurers and negotiate add-ons — so you get the right coverage at the best price, not just the cheapest one.
14% p.a.medical inflation in India
A single ICU admission can cost ₹2–10L. Medical inflation is outpacing salary growth — one hospitalization without cover can erase years of savings.
Secure your family's health and financial future against medical emergencies.
Good to know: Family Floater plans cover all members under one sum insured — typically 30–40% cheaper than individual policies per person. Parents over 60 usually need separate senior plans though.
InsurePoint edge: We explain every exclusion and waiting period before you sign — no surprise rejections. Our advisors match plans to your actual medical history.
Up to 50%NCB discount lost if policy lapses
A lapsed policy resets as a new one — your No Claim Bonus disappears, and some insurers require a fresh vehicle inspection before reinstating cover.
Never let your coverage lapse. Switch insurers instantly for better benefits — without losing what you've earned.
Good to know: Porting lets you switch health insurers without losing your waiting period credit or NCB. Most people don't know this and stay locked in a bad plan for years.
InsurePoint edge: We review your policy at every renewal — if a competing insurer offers meaningfully better terms, we tell you honestly, even if it means you switch.
27%of claims rejected due to doc errors
Most rejections aren't about policy terms — they're procedural. Wrong forms, missed intimation deadlines, or a single missing document can void your entire claim.
End-to-end guidance when you actually need to use your insurance — from the first call to the final payout.
Good to know: Motor claims must be intimated within 7 days. Cashless health claims need pre-authorization before admission. Missing these windows can void your claim entirely.
InsurePoint edge: We've guided 500+ claims. We know exactly what each insurer's assessors look for — and we prevent rejection before it happens.
Insurance documents are full of jargon. Here's what the key terms mean in plain language — tap to expand.
Not a policy-selling machine. A trusted advisor who stays with you from quote to claim.
We ask about your vehicle, health history, existing policies, and budget before suggesting anything. Cookie-cutter recommendations don't protect real families.
We scan 15+ insurers and lay out the differences clearly. You see premiums, exclusions, and claim settlement ratios side by side — not just the price.
When your policy renews, we review it. When you file a claim, we guide every step. You're not on your own after you sign — that's the InsurePoint difference.