₹1 Cr+
Avg. cover
IRDAI-Aligned Platform
India's Trusted
India's Trusted
Insurance Marketplace
Compare 100+ insurers · Buy new cover · Pay renewals — all in one place.
Explore Plans
Insurance Plans for Every Need
Pick a category — 3 plans per view, instant quotes from top insurers
Save upto 85%
Motor Insurance
Starting at ₹2,094/ yr
Explore Plan
Save upto 85%
Bike Insurance
Starting at ₹457/ yr
Explore Plan
2W · 3W · 4W
Vehicle Insurance
Pick your vehicle type
Our Partners
Trusted Insurers
Pick a category and watch real partner brands orbit live — compare with clarity, speed, and zero hidden fees.
Health Insurance
8 partner insurers
Health cover shaped for every life stage
Individual, family, portability or top-up — pick the path that fits, compare top insurers, and get covered in minutes.
Personal Cover
Individual Insurance
Dedicated sum insured for you — cashless hospitals, day-care & restoration benefits.
Floater Plan
Family Insurance
One policy for spouse, kids & parents — shared cover, smarter premiums.
Switch Smart
Portability
Move to a better insurer without losing waiting-period credits you've already earned.
Extra Shield
Top-up Insurance
Boost cover after your base deductible — high sum insured at a fraction of the cost.
Protect who matters — at every milestone
Term, endowment, ULIP or child plans — pick a cover without the long scroll.
High Cover
Term Life
Term Life
Large sum assured at low premium — income protection for your family.
Save + Protect
Endowment
Endowment
Guaranteed maturity value with life cover — savings that also protect.
Market Linked
ULIP
ULIP
Equity & debt funds plus life cover — grow wealth while staying insured.
Future Ready
Child Plans
Child Plans
Education milestones secured — premium waiver keeps dreams funded.
Pick your vehicle. Drive covered.
A showroom-style way to explore motor covers — pick a lane, see the plan, get a quote in minutes.
Lane 01 · Two Wheeler
2 Wheeler Insurance
Bikes & scooters — comprehensive, third-party or zero-dep. Instant digital policy on your phone.
- Own damage + third party
- Zero-dep add-ons
- Roadside assist
From ₹457/yr
Get Bike Quote
Lane 02 · Four Wheeler
4 Wheeler Insurance
Cars & SUVs — IDV protection, cashless garages, and claim support that keeps you moving.
- Cashless pan-India garages
- Engine & NCB protect
- 24×7 roadside help
From ₹2,099/yr
Get Car Quote
Lane 03 · Passenger
Passenger Insurance
Autos, cabs & traveller vans — passenger liability, driver PA, and fleet-ready pricing.
- Passenger liability
- Driver personal accident
- Commercial-ready covers
From ₹1,299/yr
Get Quote
Lane 04 · Goods Carriage
Goods Carriage (Truck)
Trucks & LCVs — cargo liability, own damage, and claim support built for downtime-sensitive fleets.
- Cargo & OD cover
- Fleet multi-vehicle rates
- Fast claim desk
From ₹4,999/yr
Get Truck Quote
DOM
DEL
GOA
Domestic Travel
India trips — flight delay, bag loss, medical emergency & trip cancel cover.
From ₹199
Board
INT
BOM
DXB
International Travel
Worldwide medical, Schengen-ready docs, passport loss & evacuation support.
From ₹499
Board
STU
HYD
JFK
Student Abroad
Long-stay student cover — university medical, tuition fees protect & sponsor visa needs.
From ₹999
Board
FAM
MAA
SIN
Family Holiday
One policy for the whole family — kids, parents, shared medical & trip interruption.
From ₹799
Board
Protect every person on your payroll
Group health, accident, keyman and wellness — staff covers that scale with your workforce, issued digitally in minutes.
10+ staff plans
2 min quote
24×7 claims
100+ insurers
Desk 01 · Mediclaim
Group Health
Mediclaim for your entire team — cashless network, maternity & parental options that scale as you hire.
- Cashless hospital network
- Maternity & parental add-ons
- Bulk onboarding desk
From ₹299/mo
Enroll team
Desk 02 · Accident
Group Accident
24×7 workplace & off-duty accident cover — disability, hospitalisation and family support when it matters.
- On-duty & off-duty cover
- Disability & hospitalisation
- Family support benefits
From ₹99/mo
Enroll team
Desk 03 · Leadership
Keyman Cover
Protect business continuity if a critical leader is lost — the cover lenders and partners recognise.
- Business continuity buffer
- Lender & partner ready
- Flexible sum assured
From ₹490/mo
Enroll team
Desk 04 · Wellness
Wellness Benefits
OPD, mental health, fitness and annual checkups — retention that feels human, not just a line item.
- OPD & mental health
- Fitness & annual checkups
- Retention-first benefits
From ₹149/mo
Enroll team
5 to 5,000+ lives
Cashless network
Bulk policy desk
IRDAI-aligned
Protect your business with Fire Insurance first
Client's flagship cover — then cargo, pocket, term, accident & top-up. Quote in minutes.
The Insure Karo Advantage
What makes Insure Karo the smarter choice?
We eliminate hidden agent fees, complex paperwork, and insurer bias with transparent comparison algorithms and dedicated on-ground claim assistance.
- 100% Objective Algorithm (Zero Commission Bias)
- 30-Minute Cashless Hospitalization Express Desk
- Instant Digital Policy Issuance on WhatsApp & Email
⭐ 4.9/5 Rating
9 Million+
Protected Families
Families across 500+ Indian cities trust us with their life and health security.
🛡️ IRDAI Regulated
100+ Insurers
Unbiased Comparison
Partnered with India's top life, health and general insurance companies.
⚡ 99.4% Ratio
30-Min Desk
Express Cashless Approvals
On-ground claim managers at 10,000+ cashless network hospitals nationwide.
🏷️ Best Price
₹0 Extra Fee
Guaranteed Lowest Rates
Direct online discounts passed to you with zero broker commission markups.
Dedicated Claim
Desk
Get a dedicated claim advisor to manage your claim end-to-end
- 100% on-ground claim assistance in 10,000+ cashless hospitals
- Dedicated Relationship Manager assigned for life
- 30-minute cashless express settlement pre-authorization
Insure Karo
Claims Support
Active
Now
"Hello Vikram, I am your dedicated Claim Advisor. I have coordinated with Apollo
Hospital TPA."
"🎉 Cashless Approval of ₹1,85,000 processed successfully in 22 minutes."
Delivered • Just
now
Smart Decision
Tools
Calculate & Plan Your Financial Future
Estimate your cover, tax savings & motor costs — instantly
Estimated Monthly
Premium
₹490
/month*
Save ₹46,800 Tax (80C)
*Exclusive of
GST
Section 80D Tax Calculator
Save up to ₹75,000 tax yearly on family mediclaim.
Calculate Tax Benefit →Human Life Value (HLV) Calc
Find the right cover multiplier for your family.
Check HLV Score →Vehicle IDV & NCB Calculator
Transfer up to 50% NCB for maximum policy discount.
Calculate Motor Savings →
Partner Programme
Become an Insurance Agent.
Become an Insurance Agent.
Earn up to 10%.
Walk in ready to sell — warm leads, free CRM, 100+ insurers on one ID, and weekly payouts.
Who is eligible?
10%
Commission
Up to 10% commission
Warm ready-to-buy leads
Free CRM & training
100+ insurers · one login