Protect Your Family's Future
Term Life Insurance starting at ₹490/month — ₹1 Crore cover. Tax benefits under 80C.
Health That Travels With You
Family Health Insurance from ₹6,500/year. Covers hospitalization, day-care, AYUSH, OPD.
Travel Insurance for Every Trip
Domestic & international travel insurance from ₹50/day. Medical, baggage, trip cancellation cover.
Senior Citizen Health Plans
Tailored health cover for parents and seniors. Pre-existing conditions covered. No upper age limit options available.
Insurance for Every Need
From health and life to business protection—we guide you through every type of coverage.
Find Your Coverage Fit
A quick estimate to help you understand your protection needs. We'll refine the details together.
⚖️ IRDAI Disclaimer: This estimate is indicative only. Your actual premium depends on health details, occupation, lifestyle, and specific coverage chosen. We'll provide a full comparison with you.
Your Trusted Insurance Guide
Professional advice + clear explanations + solutions built for your life
50+ Insurer Partners
Compare premiums from LIC, ICICI Pru, HDFC Life, Bajaj Allianz, Star Health & more — in one place
Lowest Premiums
Exclusive broker discounts. Up to 40% lower than direct online application.
Lifetime Claim Help
We don't disappear after sale. Free claim assistance forever — that's our promise.
100% Transparent
No hidden charges, no commission disclosure surprises. We explain every term, every clause.
Personal Advisor
Dedicated relationship manager who knows your needs and follows up.
Claims Support
We stand with you at claim time — documentation to settlement, end to end.
Compare Insurance Coverage Options
Side-by-side comparison of popular plans to help you choose what fits your needs.
Click 2 Protect Super
Cover: ₹1 Crore
- ✓Income payout option
- ✓Accidental disability rider
- ✓Return of premium
- ✓Whole life cover
iProtect Smart
Cover: ₹1 Crore
- ✓Terminal illness benefit
- ✓Accidental death benefit
- ✓Waiver of premium
- ✓80C tax benefit
Smart Secure Plus
Cover: ₹1 Crore
- ✓Highest claim settlement
- ✓Top-up option
- ✓Spouse cover add-on
- ✓7 riders available
Sampoorna Raksha
Cover: ₹1 Crore
- ✓Increasing cover option
- ✓Loyalty boost
- ✓80C + 10(10D) benefits
- ✓Hospital cash add-on
Tech Term
Cover: ₹1 Crore
- ✓Government-backed insurer
- ✓Level sum assured
- ✓Increasing sum option
- ✓Accidental death rider
Plans shown are examples for comparison. Actual coverage, benefits, and costs depend on your health, age, occupation, and specific requirements. We'll help you find the right fit.
Get Insured in Simple Steps
From understanding your needs to protecting your future—we guide you every step.
Tell Us Your Needs
Quick 2-min form to understand your age, family size, and cover needs
Compare 50+ Plans
We show you the best plans with side-by-side comparison
Choose & Pay Online
Select your plan and pay directly to the insurer — no middleman
Policy Delivered
Soft copy in 24 hrs. Hard copy at your doorstep in 7 days
Claims Settled. Lives Touched.
Real stories from families we helped during their time of need.
“After my father's sudden illness, our family was overwhelmed. Bharat Insurance Hub stayed with us through every step — settled the claim in just 7 days. Forever grateful.”
“After my dad's passing, the team handled all the claim paperwork while we focused on the family. Settled within 12 days — best decision was buying through them.”
“My son's emergency surgery was completely cashless. The team coordinated with the hospital directly — I didn't have to worry about a single rupee. Stress-free experience.”
Plan Better with Free Tools
Free calculators to plan your insurance, taxes, and retirement better.
Term Life Calculator
How much cover do you actually need?
Health Cover Calculator
Optimum sum insured based on your city & family
HLV Calculator
Human Life Value — what's your earning potential worth?
Tax Saving (80C/80D)
How much can you save under 80C and 80D?
Retirement Planner
Plan your retirement corpus and monthly income needed
50+ Partner Insurers
We work with India's leading insurance companies — life, health, general.
Insurance Made Simple
First-time buyer? Start here. We explain insurance in plain language — no jargon.
What is Term Insurance?
Pure protection — your family gets a lump sum if something happens to you. No investment, no maturity benefit. Lowest premium for highest cover.
- ✓Lowest premium for highest cover
- ✓80C tax benefit (up to ₹1.5L)
- ✓Covers up to age 75-99
- ✓No medical for cover up to ₹50L (most insurers)
When to Buy Health Insurance?
Buy young, when you're healthy. Premium is lowest, no exclusions for pre-existing conditions, and you build your No-Claim Bonus over years.
- ✓Premium increases ~10% per year of age
- ✓80D tax benefit (up to ₹75K)
- ✓Cashless at 10,000+ hospitals
- ✓4-year waiting for pre-existing conditions
How Claims Actually Work
We demystify the claim process. From intimation to documentation to settlement — here's what happens at each step. We help you, free.
- ✓Intimate within 24 hrs of incident
- ✓Document upload via app/website
- ✓Claim approved typically in 7-15 days
- ✓IRDAI mandates 30 days max
Our Impact in Numbers
Frequently Asked Questions
Everything you wanted to know about insurance — answered honestly.
Ready to Protect What Matters Most?
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