InsuranceDekho
InsuranceDekho: Business Model Canvas
The nine-block Business Model Canvas, filled in only where a public source states it — empty blocks mean we haven't found a citable fact yet, not that the answer is zero.
Value Propositions
"Compare, Buy/Renew Insurance Policy - Health, Life, Term, Car & Bike" across insurers on a single digital platform.
source"5 Minutes Policy Issuance" via a fill-details, select-plan, make-payment digital flow.
sourcePositions itself as "a tech-first company" with technology advantages "from premium collections to claims settlements" versus legacy insurers, combined with on-ground agents for trust-building in smaller towns.
sourceCustomer Segments
Individual customers seeking to compare and purchase motor, health, travel, and pet insurance.
sourceCustomers in smaller towns reached primarily via in-person agent sales rather than digital-only channels; management notes 'when it comes to Tier 2 and 3 towns, the importance of in-person sales cannot be underestimated.'
sourceInsuranceDekho has partnered with 80,000 point of salespersons (PoSPs) to sell non-life insurance across 98% of the pincodes in India.
sourceCustomer Relationships
Site advertises a dedicated support team and claims track record: "17 Mn+ Happy Smiles", "145k+ Claims Served", and a "4.7 Rating on Google".
sourceChannels
InsuranceDekho has partnered with 80,000 point of salespersons (PoSPs) to sell non-life insurance across 98% of the pincodes in India, mirroring LIC's traditional agent-driven distribution model.
sourceA digital platform powered by AI that lets agent partners' customers compare and buy life, health, and non-life insurance policies based on their requirements.
sourceKey Activities
Recruits and trains a large network of PoSP agents who sell non-life insurance policies in person, particularly in Tier 2/3 towns where in-person sales are seen as critical.
sourceOperates a tech platform spanning premium collections to claims settlements, and offers e-Policy issuance advertised as taking around 5 minutes.
sourceKey Resources
Key Partnerships
Works with most insurance providers and claims direct integration with 46 insurance companies across India offering more than 380 insurance products.
sourceBacked by Mitsubishi UFJ Financial Group (MUFG), BNP Paribas Cardif (via its insurtech fund managed by Eurazeo), Beams Fintech Fund, Goldman Sachs Asset Management, and TVS Capital Funds.
sourceRevenue Streams
Insurance brokerage was the largest revenue generator for the firm at Rs 726.61 crore, accounting for 97.7% of total operating revenue in FY24.
sourceCost Structure
FAQs on InsuranceDekho
What is InsuranceDekho's business model?
InsuranceDekho's core value proposition centers on Compare and buy insurance in one place, Fast policy issuance, Tech-first platform with human trust layer.
How does InsuranceDekho make money?
InsuranceDekho's cited revenue streams include Insurance brokerage commissions, Ancillary services.