InsuranceDekho: Your Trusted Partner for Comparing and Buying Health Insurance in India
Choosing the right health insurance policy is not just a financial decision—it’s a commitment to your future well-being. But with hundreds of plans from dozens of insurers, how do you find the one that truly suits your lifestyle, family needs, and budget?
That’s where InsuranceDekho steps in.
At the final stage of your buying journey, you’re looking for real value, clarity, and confidence. You’ve already explored different insurance providers and now want to finalize a plan. InsuranceDekho acts as a reliable digital platform that simplifies this last mile by offering comparative insights, expert support, and seamless policy issuance in just a few clicks.
What is InsuranceDekho?
InsuranceDekho is an online insurance comparison and distribution platform, founded by CarDekho (GirnarSoft), and backed by major investors including Sequoia India. It connects users with 40+ insurance companies and helps them explore, compare, and purchase policies across various categories—health, motor, life, travel, and commercial insurance.
But its real power lies in how it empowers customers at the BoFu stage to make well-informed decisions by offering:
✅ Real-time comparisons of 100+ health insurance plans
✅ Personalized quotes based on age, family size, and health history
✅ Expert advisors (both online and offline)
✅ 100% digital policy issuance
✅ Assistance with renewals, claims, and documentation
Why Use InsuranceDekho for Health Insurance?
When you’re ready to buy a health policy, you need more than a list of plans—you need actionable clarity. InsuranceDekho offers tangible benefits that remove confusion and enable confident purchases.
Here’s how it helps users at the final decision stage:
✅ 1. Real-Time Policy Comparison
Instead of visiting every insurer’s website or contacting multiple agents, InsuranceDekho lets you compare policies from top insurers side by side.
You get a breakdown of:
Sum insured options
Room rent limits
Maternity benefits
Critical illness cover
Cashless hospital access
Waiting periods for pre-existing diseases
This transparency ensures that you’re not blindsided by fine print later.
✅ 2. Personalized Recommendations
At BoFu, one-size-fits-all advice doesn’t help. InsuranceDekho provides personalized policy suggestions based on:
Your age and health condition
Family size and coverage needs
Preferred premium range
City/region (for network hospital access)
This user-centric filtering narrows down your choices from 100+ plans to 3-5 most relevant options.
✅ 3. Licensed Insurance Advisors
A major BoFu challenge is doubt—”Am I making the right choice?”
InsuranceDekho solves this with human guidance. You can speak to IRDAI-licensed advisors over the phone or chat. They help with:
Clearing policy doubts
Suggesting riders or add-ons
Assisting with documentation
Explaining hidden exclusions
This builds trust and reduces hesitation, leading to a confident purchase.
✅ 4. Fast, Paperless Policy Issuance
Buying through InsuranceDekho is 100% digital. You don’t need to visit offices, submit physical documents, or wait days for approval.
Once you select a policy:
Enter basic details (name, DOB, PAN, etc.)
Upload soft copies of ID and health documents
Pay online (secure payment gateway)
Receive your policy instantly via email
This convenience ensures that you’re covered within hours, not days.
✅ 5. Claims Assistance & Renewals
Post-purchase support is what separates top platforms from average ones.
InsuranceDekho helps users with:
Claim filing and tracking
Hospital pre-authorization process
Claim documentation and follow-up
Renewal reminders and links
Having a dedicated claims team reduces user stress during medical emergencies.
Health Insurance Companies on InsuranceDekho
You get access to leading insurers under one roof, such as:
Care Health Insurance
Niva Bupa
Aditya Birla Health Insurance
Reliance General Insurance
Each insurer’s plans are reviewed and scored for ease of selection.
Features Users Love on InsuranceDekho
Here are some powerful platform features tailored for BoFu users:
🛠️ “Need Help Choosing?” Quiz
This is a guided journey where you answer a few simple questions, and the platform filters the most suitable policies for you. Perfect for confused buyers.
📞 Callback and Expert Connect
If you’re stuck while choosing or want to understand plan clauses better, you can request a callback from their experts. No pressure selling—just helpful advice.
📄 Proposal Form Assistance
Many users find policy proposal forms complex. InsuranceDekho offers help in filling these online and checking for errors—reducing policy rejection risk.
🎯 “Buy in 2 Minutes” Feature
Once you’ve selected your plan, you can complete payment, upload KYC, and receive the policy document in under 2 minutes—speed and simplicity combined.
Real-World Scenarios: How InsuranceDekho Helps
👩👧Case Study 1: Family Floater Plan for a Young Couple in Pune
Sneha and Varun, both 30, wanted ₹10 lakh coverage for themselves and their 2-year-old daughter. InsuranceDekho filtered 5 plans with maternity, vaccination, and wellness features. They selected Care Advantage by Care Health Insurance and got instant policy issuance.
🧓 Case Study 2: Senior Citizen Plan in Lucknow
Ramesh, 65, was struggling to find a policy without high copay. InsuranceDekho’s team helped him choose the SBI Arogya Supreme policy with ₹5 lakh coverage and low premium. They assisted in proposal documentation and offered claim guidance.
👨💼 Case Study 3: Startup Owner Buying Group Cover
Saurabh, a startup founder in Delhi, used InsuranceDekho to buy a group health plan for his 15-member team. The B2B arm connected him with custom quotes from Aditya Birla and Care Health. A single dashboard now helps him manage renewals and additions.
How InsuranceDekho Stands Out in a Crowded Market
| Feature | InsuranceDekho | Other Aggregators |
|---|---|---|
| Advisor support | Yes, licensed advisors | Limited or AI chatbots |
| Policy options | 100+ across 40+ insurers | Varies, often limited |
| Claim support | Yes, in-house team | Not always provided |
| Digital issuance | Yes, <5 minutes | Usually 12–24 hours |
| Pricing transparency | High | Moderate to Low |
| Personalization | Strong filters & recommendations | Often generic |
Tax Savings + Health Coverage
Like all health plans, InsuranceDekho policies qualify for tax deductions under Section 80D of the Income Tax Act:
₹25,000 for individual + family
₹50,000 for senior citizens
Extra ₹5,000 for preventive health check-ups
They even remind users of renewal dates to ensure no lapse in tax savings.
Who Should Use InsuranceDekho?
First-time buyers needing education & comparison
Busy professionals who want instant policy issuance
Families needing maternity and OPD cover
Seniors looking for low-copay plans
SMEs or startups needing group insurance
Whether you’re buying health insurance for the first time or upgrading from a basic plan, InsuranceDekho offers tools and support to make your final decision easy, fast, and confident.
Final Verdict: Is InsuranceDekho the Right Choice?
YES, if you want:
✅ Side-by-side plan comparison
✅ Expert advice and personalized support
✅ Faster policy issuance
✅ Wide insurer network and genuine reviews
✅ Assistance beyond buying—claims, renewals, service
InsuranceDekho simplifies every step—from discovery to decision to documentation—and gives users peace of mind that they’re making the right choice.
Start Today
💻 Explore now: https://www.insurancedekho.com