Products Why Kavach Our Approach FAQ Chat with us
Insurance Guidance & Customer Support

Insurance that actually
works for you

Kavach is your insurance companion - from helping you find the right product, to staying with you throughout the entire policy tenure.

Chat on WhatsApp
What we cover
Products we help with

From cars and bikes to health, life, and travel - we guide you across all major insurance categories.

Car Insurance
Drive with complete peace of mind
Comprehensive car insurance tailored to your needs - from zero-dep to engine cover, we help you find your perfect match.
Comprehensive Third Party Own Damage
How Kavach guides you
Unbiased
Plan comparison
End-to-end
Claim support
Full tenure
Stay with you
How Kavach guides you
Policy Health Check
We review your current car policy and tell you exactly what's working and what's missing.
Add-on Optimisation
We tell you which add-ons are worth your money based on your car's age and how you drive.
Insurer Comparison
We compare plans across 10+ insurers so you choose with confidence, not guesswork.
Claim Walkthrough
We guide you step by step through the entire claim process - from day one to settlement.
Renewal Re-evaluation
Before you renew, we check if your current cover still fits your needs and budget.
Jargon Translation
We explain your policy in plain language - no fine print surprises, ever.
Bike Insurance
Complete protection for your two-wheeler
Protect your bike from accidents, theft, natural disasters, and third-party liabilities with a plan that fits.
Comprehensive Third Party Own Damage
How Kavach guides you
Plain-language
Policy walkthrough
Best-fit
Add-on guidance
Stress-free
Claim filing
How Kavach guides you
Cover Audit
We check if your two-wheeler has the right level of protection for your usage and riding habits.
Add-on Guidance
We advise on which add-ons actually make sense for your bike's age, value, and how far you ride.
Premium Review
We help you avoid overpaying while making sure you're not left under-covered when it matters.
Claim Support
From FIR to final settlement, we guide you through every step so nothing falls through the cracks.
Policy Switch Help
Thinking of switching insurers? We help you compare and move without losing your NCB.
Renewal Reminder
We track your renewal date and check in before it lapses - so you're never caught unprotected.
Health Insurance
Health is wealth. Kavach protects both.
Comprehensive health coverage that takes care of medical bills so you can focus entirely on recovery.
Individual Family Floater Senior Citizen
How Kavach guides you
Shortlist
Top plans for you
Cashless
Hospital coordination
Renewal
Reminders & help
How Kavach guides you
Plan Shortlisting
We filter through hundreds of health plans to find the 2-3 that genuinely fit your family's needs.
Fine Print Review
We read the exclusions and waiting periods for you - so you're never surprised at claim time.
Hospital Network Check
We verify whether your preferred hospitals are covered under your shortlisted plans.
Cashless Coordination
We coordinate with the insurer and hospital during a cashless hospitalisation on your behalf.
Reimbursement Support
We help you file and follow up on reimbursement claims from start to final payout.
Annual Coverage Review
As your family grows, we check in every year to advise if your cover needs to grow with it.
Life Insurance
Secure your family's future today
Life is unpredictable. A term plan ensures your family stays financially protected, no matter what happens.
Term Plan ULIP Endowment
How Kavach guides you
Needs-based
Coverage guidance
Nominee
Claim hand-holding
Annual
Policy review
How Kavach guides you
Coverage Need Analysis
We help you figure out the right sum assured based on your income, liabilities, and family situation.
Plan Comparison
We compare term plans across insurers on claim settlement ratio and reliability - not just price.
Nomination Guidance
We help you set up your nomination correctly so your family faces no delays or disputes at claim time.
Claim Assistance
When your family needs to claim, we handle the paperwork and insurer coordination end to end.
Annual Policy Review
We check in every year to make sure your cover still matches your income, loans, and responsibilities.
Jargon-free Explanation
ULIPs, endowments, riders - we explain every option in plain language before you decide anything.
Travel Insurance
Travel far. Worry less.
From weekend getaways to international expeditions - we ensure every journey is covered end to end.
Single Trip Multi-Trip Annual Student Travel
How Kavach guides you
Trip-matched
Plan selection
Overseas
Claims support
24/7
Emergency assist
How Kavach guides you
Trip-matched Selection
We help you pick the right plan based on your destination, trip duration, and planned activities.
Fine Print Guidance
We explain exactly what's covered and what's not - before you travel, not after something goes wrong.
Visa Requirement Help
Some countries mandate specific insurance cover. We ensure your plan meets the exact requirements.
Single vs Annual Plan
We advise whether a single-trip or annual multi-trip plan makes more financial sense for you.
Overseas Claim Support
If something goes wrong abroad, we help you navigate the claim process from wherever you are.
Emergency Assistance
We're available to help you handle travel emergencies and connect with the right insurer contact.
Why choose us
How we're different

Most people buy insurance and never hear back. We stay with you - before, during, and after every claim.

Feature Kavach Aggregator Direct Insurer
Personalised guidance based on your life situation✓✗✗
Compare multiple insurers in one place✓✓✗
Support throughout the policy tenure✓✗Partial
Annual coverage review & check-in✓✗✗
Claims hand-holding end-to-end✓✗Partial
Renewal reminders & re-evaluation✓Sometimes✓
Explains what's NOT covered✓✗✗
How we work
Our Approach

A structured, human-first process designed to stay with you at every stage of your insurance journey.

PHASE 01
Understand You
We start with a real conversation - your family situation, existing coverage, and what truly matters to you. Not a form. A dialogue.
PHASE 02
Right Product
We help you understand which insurance product suits your situation - clearly and without jargon.
PHASE 03
Best Insurer
We help you compare options across the market so you can identify the plan that gives maximum value for money.
PHASE 04
Guided Purchase
Once you've decided, we walk you through the application and onboarding with your chosen insurer - documentation, KYC, and everything in between.
PHASE 05
Annual Review
We proactively check in every year. Life changes - your insurance should keep up.
PHASE 06
Claims Support
From filing the claim to the final settlement - we're by your side every step of the way.
Customer stories
What our customers say

Real experiences from people we've helped navigate insurance.

★★★★★

"Kavach helped me understand why zero-dep was right for my 2-year-old car. Ended up with better coverage at a lower price. The team was genuinely helpful."

Rajesh K.
Dwarka, Delhi · Car Insurance
★★★★★

"My claim was stuck for weeks with the insurer. Kavach's team stepped in, followed up relentlessly, and got it settled in 3 days. That's real support."

Priya S.
Noida · Health Insurance
★★★★

"They helped me compare term plans without pushing any single product. Took time to explain what I actually needed. Only wish the process was a bit faster."

Vikram S.
Bandra, Mumbai · Life Insurance
★★★★★

"Lost my baggage on a Bali trip. Kavach walked me through the entire claim over WhatsApp while I was still abroad. Got my money within 10 days of returning."

Anjali M.
Bengaluru · Travel Insurance
★★★★

"Got my bike insured quickly. The team explained add-ons I didn't know existed - zero-dep and consumables cover. Would've missed them without Kavach."

Amit P.
Ahmedabad · Bike Insurance
★★★★★

"The annual check-in flagged that I was under-insured. I upgraded my cover - and had a hospital emergency 2 months later. It was a lifesaver, literally."

Neha V.
Gurgaon · Health Insurance
Common questions
Frequently Asked Questions

Everything you need to know about working with Kavach.

What exactly does Kavach do?⌄
Kavach is an insurance guidance and customer support platform. We help you understand different insurance products, compare your options, and make informed decisions. We also support you during renewals and when you need to file a claim. We are not an insurance company or broker - the actual policy is issued by the insurer directly.
How is Kavach different from PolicyBazaar or InsuranceDekho?⌄
Aggregators like PolicyBazaar are primarily focused on price comparison and lead generation - the relationship usually ends after the sale. Kavach stays with you throughout the policy tenure: annual reviews, renewal reminders, claim support, and coverage gap checks. Think of us as a knowledgeable friend in insurance, not a marketplace.
How does Kavach make money?⌄
We charge a flat service fee for our guidance. This keeps us aligned with your interests - we have no incentive to push any particular insurer or product. Our job is to help you make the best decision for your situation.
Can Kavach help me if I already have a policy?⌄
Absolutely. Many of our customers come to us mid-tenure - to review existing coverage, understand what's actually covered, or get help during a claim. You don't need to buy a new policy to work with us.
What happens when I reach out?⌄
One of our team members will reach out as soon as possible — typically within a few hours during business hours (Mon–Sat, 10am–7pm IST). It's a free, no-obligation conversation - we'll understand your needs and walk you through relevant options. No spam, no repeated calls.
Which insurers do your customers typically use?⌄
Our customers hold policies with most major IRDAI-licensed insurers - including LIC, HDFC ERGO, ICICI Lombard, Star Health, Bajaj Allianz, Tata AIG, SBI General, and others. We help you evaluate options based on your needs, not on any single insurer relationship.

Ready to get insurance right?

Start with a free, no-obligation conversation. We'll understand your situation and walk you through your options.

Chat on WhatsApp