What Customers Say

Real Stories, Real Trust

★★★★★

"Saved over ₹4,200 on family health insurance just by comparing plans. The advisor was very patient and explained every detail. Highly recommend InsuredBharat!"

Rajesh Sharma

📍 Gurugram, Haryana

★★★★★

"Car claim settled in 6 days. Didn't have to follow up even once — the team handled everything on my behalf. This is what real support feels like."

Priya Mehta

📍 Delhi NCR

★★★★★

"First time buying term insurance. Was totally confused before talking to InsuredBharat. Got ₹1 Cr cover sorted in under 20 minutes. Very smooth process."

Amit Verma

📍 Noida, UP

★★★★☆

"Renewed my bike insurance in less than 5 minutes. No agent running behind me, no unnecessary upselling. Got exactly what I needed at the best price."

Karan Joshi

📍 Pune, Maharashtra

★★★★★

"Took doctors indemnity insurance through InsuredBharat. They explained the coverage clearly and helped me pick the right sum insured for my practice. Very knowledgeable team."

Dr. Sneha Kapoor

📍 Mumbai, Maharashtra

★★★★★

"Compared 8 health plans side by side and chose the best one for my parents. The advisor never pushed any particular company. Honest advice is rare — found it here."

Nisha Agarwal

📍 Jaipur, Rajasthan

★★★★★

"Got my car insurance done in minutes. Premium was ₹2,800 less than what my previous agent quoted. Should have switched earlier. Great service!"

Vikram Nair

📍 Bengaluru, Karnataka

★★★★☆

"Health insurance claim process was smooth. The team kept me updated at every step. My cashless claim at the hospital was approved within 2 hours of admission."

Manish Tiwari

📍 Lucknow, UP

★★★★★

"Bought travel insurance for my Europe trip through InsuredBharat. Had a medical emergency abroad — claim was handled professionally and reimbursed fully. Lifesaver!"

Ritu Sharma

📍 Chandigarh, Punjab

★★★★★

"Corporate insurance for my small business was sorted in one call. Got covers for fire, liability and employees — all explained clearly. Very professional team."

Deepak Malhotra

📍 Ahmedabad, Gujarat

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Got Questions?

Frequently Asked Questions

Everything you need to know about your insurance — answered simply.

What is Doctor's Professional Indemnity Insurance? ▼

Professional indemnity insurance for doctors protects against claims arising from professional risks such as negligent misdiagnosis, incorrect medication dosage, surgical errors, and wrong course of treatment. It covers legal costs and compensation payable to patients.

Why do doctors need Professional Indemnity Insurance? ▼

Medical negligence cases in India are increasing rapidly. Even the most skilled doctor can face a lawsuit. This insurance ensures you are financially protected from costly legal proceedings and compensation claims — letting you focus on your patients without fear.

What does the Medico Legal Lawyer Panel offer? ▼

Through InsuredBharat's Pan India Medico Legal Lawyer Panel, doctors get access to experienced lawyers who specialise in medical negligence cases across all major cities in India. This is an exclusive support system available to our doctor clients at no extra charge.

Premium starts at ₹221/month — what does it cover? ▼

The base plan starting at ₹221/month provides coverage for claims of professional negligence, legal defence costs, and out-of-court settlements. Higher sum insured options are available based on your specialisation and practice size.

Which doctors can buy this insurance? ▼

All MBBS doctors, specialists, surgeons, dentists, physiotherapists, ayurvedic practitioners (BAMS), homeopathic doctors (BHMS), and other registered medical professionals are eligible. Both individual practitioners and hospital-employed doctors can apply.

🇮🇳 India Ka Apna Insurance Partner

About InsuredBharat

InsuredBharat is an IRDAI-certified insurance advisory platform built with one mission — to make insurance simple, transparent and accessible for every Indian.

Rishabh Gupta

Founder, InsuredBharat

Who We Are

Reimagining How India Buys Insurance

InsuredBharat was incepted with a clear goal — to reimagine how insurance is purchased and experienced in India. We saw that millions of Indians, especially doctors and healthcare professionals, were buying insurance without understanding what they were covered for — often overpaying and under-protected.

We set out to change that. By combining unbiased expert advice, real-time comparison across 26+ insurers, and dedicated claim support — we make sure every customer gets the right cover at the right price, every single time.

How We Do It

We Do It All — And More!

Buying Insurance

We identify your professional risk and design plans based on your individual needs. Compare across 26+ insurers in real-time and get a pre-negotiated best possible premium — with absolutely no hidden charges and no pushy selling.

Managing Insurance

An experienced team of insurance experts is always available to help you. You can request a policy change, renew your policy, file a claim, or seek guidance — all through a simple WhatsApp message. No paperwork. No stress.

Claims & Legal Support

We stand by you during claims — not just at the time of sale. Our specialists handle your claim end-to-end. For doctors, our exclusive Pan India Medico Legal Lawyer Panel provides dedicated legal support when you need it most.

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Our Mission

To make insurance simple, honest and accessible for every Indian — with unbiased advice, fair pricing and genuine support.

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Our Vision

To become India's most trusted insurance advisory platform — where every customer feels protected, valued and heard.

🛡️ IRDAI Certified — Fully Authorised

📋 Certificate No: CN26104834

🔑 POSP Code: PP26104834

✅ Regulator: IRDAI Approved

Ready to experience insurance done right?

📚 Knowledge Centre

Insurance Basics

Everything you need to know — explained simply, no jargon.

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What is Insurance & Why Do You Need It?

Insurance is a contract between you and an insurer where you pay a small amount (premium) regularly, and in return, the insurer protects you financially against large unexpected losses — medical emergencies, accidents, death, natural disasters and more. Without insurance, one hospitalisation can wipe out years of savings. It is the most cost-effective way to protect your family and assets.

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Types of Insurance in India

There are two main categories: Life Insurance (Term, ULIP, Endowment, Whole Life) which pays your nominee on your death, and General Insurance (Health, Car, Two Wheeler, Travel, Home, Professional Indemnity) which covers specific losses during your lifetime. Both are essential for complete financial protection.

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How is Premium Calculated?

Your premium depends on: Age (younger = cheaper), Health condition (pre-existing diseases increase premium), Sum Insured (higher cover = higher premium), Location (metro cities have higher health costs), and Add-ons chosen. Buying early always gives you the best premium — rates increase every year.

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Sum Insured vs Sum Assured — What's the Difference?

Sum Insured is used in General Insurance (Health, Car etc.) — it is the maximum amount the insurer pays per policy year. It can be used multiple times within the year up to the limit. Sum Assured is used in Life Insurance — it is the guaranteed amount paid to your nominee on death. Once paid, the policy ends.

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What is a Waiting Period?

A waiting period is the time after buying health insurance during which certain conditions are not covered. Most plans have: 30 days initial waiting period (except accidents), 1–4 years for pre-existing diseases, and 1–2 years for specific illnesses like hernia, cataract etc. Accidents are always covered from Day 1.

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Cashless vs Reimbursement Claims

Cashless: Get treated at a network hospital — insurer pays directly, you pay nothing (except non-covered items). Faster and more convenient. Reimbursement: Get treated anywhere, pay from your own pocket, then submit bills to insurer for refund. Takes 7–30 days. Always prefer cashless when possible.

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What is No Claim Bonus (NCB)?

NCB is a reward for not making claims. In Car Insurance, NCB gives you a discount on renewal premium — starting at 20% and going up to 50% over 5 claim-free years. In Health Insurance, NCB increases your sum insured by 5–50% for every claim-free year. It is a huge benefit that most people don't know about — always protect your NCB!

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ULIP vs Traditional Plans vs Term Insurance

Term Insurance: Pure protection. Cheapest. Pays nominee only on death. Best for family financial security. Traditional Plans (Endowment/Money Back): Combination of insurance + savings. Lower returns (4–6%). Suitable for risk-averse investors. ULIP: Insurance + market-linked investment. Higher potential returns but market risk. Both ULIP and Traditional plans offer tax benefits under Section 80C (premium) and Section 10(10D) (maturity amount — tax free). Health insurance premiums qualify under Section 80D — up to ₹25,000 for self/family and ₹50,000 for senior citizen parents.

Doctors Corner 🩺

Essential legal & insurance knowledge every doctor in India must know.

⚖️ Old Law vs New Law — What Changed for Doctors?

Consumer Protection Act 1986 → replaced by Consumer Protection Act 2019 (effective 20 July 2020)

Forum	Old Law 1986 (Based on compensation claimed)	New Law 2019 (Based on fees paid to doctor)
🏛️ District Forum	Up to ₹20 Lakhs	Up to ₹1 Crore
🏛️ State Commission	₹20 Lakhs – ₹1 Crore	₹1 Crore – ₹10 Crore
🏛️ National Commission	Above ₹1 Crore	Above ₹10 Crore

⚠️ Key Change for Doctors: Under the new 2019 Act, jurisdiction is based on fees paid to the doctor — NOT the compensation claimed. So even if a patient claims ₹5 Crore, if they paid you ₹50,000 in fees, the case goes to the District Forum. However, patients can still claim very large sums — and courts can award them. This is exactly why Professional Indemnity Insurance is non-negotiable.

🔴 Top Medical Negligence Cases in India — Real Compensations Awarded

Anuradha Saha vs AMRI Hospital, Kolkata — ₹11 Crore

What happened: Dr. Kunal Saha's wife developed a severe drug allergy (TEN). Doctors at AMRI Hospital, Kolkata prescribed steroids — the wrong treatment — which worsened her condition and led to her death in 1998. 15-year legal battle. Supreme Court verdict in 2013 awarded ₹11 Crore — the highest medical negligence compensation in Indian history. Paid by hospital + 3 doctors jointly.

Premature Baby — Retinopathy Test Missed — ₹1.8 Crore

What happened: An 18-year-old girl was born premature at a government hospital in Egmore, Chennai. Doctors discharged her without performing the mandatory retinopathy screening test for premature babies. By the time the error was discovered, she had permanently lost her vision. Supreme Court awarded ₹1.8 Crore. Tamil Nadu government had to pay.

Nizam Institute of Medical Sciences vs Prashanth Dhananka — ₹1 Crore+

What happened: A tumour removal surgery at Nizam Institute (Hyderabad) left the patient permanently paralysed from waist down. The Supreme Court held the hospital liable for failing to call a specialist when one was available. This landmark 2009 case established that hospitals are vicariously liable for their doctors' negligence and must compensate for lifelong disability.

Surgery — Highest Claim Category — ₹10 Crore Claimed

What happened: As per NCDRC data (2015–2019), surgery accounts for 29% of all medical negligence cases — the highest of any speciality. The highest single compensation claimed in surgery was ₹10 Crore. Surgeons face the highest exposure. Most common errors: lack of skill/care (36%), deficient medical records (22%), and failure to diagnose (7%).

V. Krishna Rao vs Nikhil Super Speciality Hospital — Wrong Diagnosis

What happened: A patient's wife was admitted with fever. Hospital diagnosed Typhoid and treated accordingly. Actual disease was Malaria. Wrong treatment led to death. Court applied the principle of Res Ipsa Loquitur ("the thing speaks for itself") — meaning negligence was so obvious, no further proof was needed. Compensation awarded. A landmark case on wrong diagnosis liability.

Paediatrics — ₹1.38 Crore — Highest Single Payout in Paeds

What happened: NCDRC data shows the highest single compensation payout in paediatrics was ₹1.38 Crore. Paediatric cases are emotionally charged — courts tend to be more sympathetic to child victims. Paediatricians, neonatologists and NICU doctors are especially at risk of high-value claims.

OBG/Gynaecology — ₹1.1 Crore — High Risk Speciality

What happened: Obstetrics & Gynaecology recorded the second highest single payout of ₹1.1 Crore at NCDRC. OBG accounts for cases involving maternal death, birth injuries, and failed sterilisation. Dr. Archana Sharma (Jaipur) case — a gynaecologist was booked for murder (IPC 302) after a patient died due to postpartum haemorrhage, highlighting extreme legal risk for OBG specialists.

Anaesthesiology — Highest Average Payout ₹13.78 Lakhs

What happened: While anaesthesiology has fewer cases, its conviction rate is very high and average payout the highest at ₹13.78 lakhs per case. Anaesthetic complications usually lead to death or severe disability — courts award higher compensation in such outcomes. Even routine cases can turn catastrophic.

Empty Oxygen Cylinder — Hospital Negligence — Jiwan Lal Case

What happened: Patient Jiwan Lal was admitted to CMC Hospital, Ludhiana. Developed breathing difficulty. Oxygen cylinder in the room was found to be empty. No backup available. Patient died. Hospital was held liable for deficiency in infrastructure — not the doctor personally. This case established that hospitals must maintain adequate equipment and can be independently liable.

Spring Meadows Hospital vs Harjol Ahluwalia — Landmark Definition Case

What happened: Supreme Court 1998 landmark judgment that brought all medical services — private and public hospitals — under the Consumer Protection Act. Before this, doctors argued they were not "service providers." This judgment changed everything. Today, every doctor and hospital can be sued under consumer law, making Professional Indemnity Insurance essential for every medical practitioner in India.

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Is Your Medical Practice Protected?

Every doctor in India is at risk. A single case can cost you crores.
Doctors Professional Indemnity Insurance starts at just ₹221/month.

Smart Buyer Tips 💡

Make smarter insurance decisions and never overpay again.

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Always Compare Before Buying

Never buy the first policy an agent shows you. Compare at least 3–5 plans from different insurers. Premiums for the same coverage can vary by 30–40% across companies. Use InsuredBharat to compare all 26+ insurers at once and pick the best value for your needs.

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Buy Young — Save Lakhs Over a Lifetime

A ₹1 Crore term plan bought at age 25 costs approximately ₹6,000/year. The same plan at age 40 costs ₹15,000–₹20,000/year. Over 30 years, early buying saves you ₹3–4 lakhs in total premiums. Health insurance also gets cheaper when you buy early and build NCB before any illness strikes.

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How to Read a Policy Document

Most people never read their policy — and regret it at claim time. The 5 most important sections: 1) What is covered, 2) What is excluded, 3) Waiting periods, 4) Claim process, 5) Renewal conditions. Always ask us to explain any clause you don't understand — that's what we're here for.

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5 Common Mistakes People Make Buying Insurance

1) Buying too little sum insured to save premium — then suffering at claim time. 2) Not disclosing pre-existing conditions — leads to claim rejection. 3) Choosing plan based only on premium — ignoring claim settlement ratio. 4) Not reading exclusions — shocked at what's not covered. 5) Letting policy lapse — losing NCB and waiting period benefits built over years.

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Tax Benefits — Save More While Getting Covered

Section 80D — Health Insurance premium: Up to ₹25,000 deduction for self & family. Additional ₹50,000 for senior citizen parents. Total possible deduction: ₹75,000/year. Section 80C — Life insurance premium: Up to ₹1.5 lakh deduction. ULIP and Traditional plans both qualify. Section 10(10D) — Maturity amount from life insurance is completely tax free (subject to conditions).

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What is Claim Settlement Ratio (CSR)?

CSR is the percentage of claims an insurer settles out of total claims received. A CSR of 98% means out of 100 claims, 98 were paid. Always choose an insurer with CSR above 95% for life insurance and above 90% for health insurance. Don't just buy the cheapest — buy from an insurer that actually pays! We only recommend insurers with strong CSR.

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ULIP vs Mutual Fund + Term — Which is Better?

A common debate: ULIP combines insurance + investment in one product. Convenient but higher charges. Mutual Fund + Term strategy keeps insurance and investment separate — generally gives better returns and lower total cost. However, ULIPs have improved significantly post-2010 IRDA regulations with lower charges. The best option depends on your goals, tax situation and risk appetite. Talk to us for personalised advice.

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About InsuredBharat

Reimagining How India Buys Insurance

We Do It All — And More!

Buying Insurance

Managing Insurance

Claims & Legal Support

Our Mission

Our Vision

🛡️ IRDAI Certified — Fully Authorised

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Insurance Basics

What is Insurance & Why Do You Need It?

Types of Insurance in India

How is Premium Calculated?

Sum Insured vs Sum Assured — What's the Difference?

What is a Waiting Period?

Cashless vs Reimbursement Claims

What is No Claim Bonus (NCB)?

ULIP vs Traditional Plans vs Term Insurance

Doctors Corner 🩺

⚖️ Old Law vs New Law — What Changed for Doctors?

🔴 Top Medical Negligence Cases in India — Real Compensations Awarded

Anuradha Saha vs AMRI Hospital, Kolkata — ₹11 Crore

Premature Baby — Retinopathy Test Missed — ₹1.8 Crore

Nizam Institute of Medical Sciences vs Prashanth Dhananka — ₹1 Crore+

Surgery — Highest Claim Category — ₹10 Crore Claimed

V. Krishna Rao vs Nikhil Super Speciality Hospital — Wrong Diagnosis

Paediatrics — ₹1.38 Crore — Highest Single Payout in Paeds

OBG/Gynaecology — ₹1.1 Crore — High Risk Speciality

Anaesthesiology — Highest Average Payout ₹13.78 Lakhs

Empty Oxygen Cylinder — Hospital Negligence — Jiwan Lal Case

Spring Meadows Hospital vs Harjol Ahluwalia — Landmark Definition Case

Is Your Medical Practice Protected?

Investment Corner 📈

Smart Buyer Tips 💡

Always Compare Before Buying

Buy Young — Save Lakhs Over a Lifetime

How to Read a Policy Document

5 Common Mistakes People Make Buying Insurance

Tax Benefits — Save More While Getting Covered

What is Claim Settlement Ratio (CSR)?

ULIP vs Mutual Fund + Term — Which is Better?

Trusted Coverage.
Simplified.

Why 10,000+ Indians
Trust Us

Ready to Secure
Your Family? 🛡️