HOW INKASURE WORKS
Pehle Samjho.Phir Kharido.
What is Inka Insurance?
A free insurance needs assessment before you buy.
Inka Insurance is a free insurance needs assessment and recommendation platform that helps people understand how much Health Insurance, Term Insurance, and Critical Illness Insurance they may need before recommending suitable policies, helping them buy with trained relationship managers, and supporting them through claims.
Founders Vaibhav and Abhay built Inka from their experience working at HDFC, SBI, and CIBIL. Today over 80,000 users have generated the free report, and we are continuously improving the service.
- Free Personalized Insurance Report
- 80,000+ Insurance Journeys Served
- Recommendations Across 23 Insurers
- Claims Support Included
- Trained Relationship Managers for Purchase Support
- Built from HDFC, SBI, and CIBIL experience
Start with understanding, not products
Most people buy insurance by comparing premiums, features, or recommendations. Inka first helps you understand how much insurance you actually need.
Short answer: Inka Insurance works by assessing your profile, checking whether your current cover is enough, estimating your required health, term, and critical illness protection, and then recommending suitable insurance options with relationship manager support for buying.
Understand Your Profile
Every person has a different financial life. Inka's relationship managers evaluate your age, family, income, responsibilities, lifestyle, insurance history, and any existing coverage to understand your protection needs.
Assess Insurance Adequacy
We determine whether you need fresh coverage, whether your current insurance is sufficient, or whether existing policies are too low or overlapping in ways that do not add meaningful protection.
Estimate Required Coverage
Coverage needs differ for health, term, and critical illness insurance. Inka's relationship managers estimate the level of protection required for your specific circumstances.
Generate Personalized Recommendations
Once requirements are estimated, Inka's relationship managers identify suitable insurance options across insurers based on your profile, coverage gaps, and protection requirements.
Compare Suitable Options
We help you compare benefits, waiting periods, claim processes, network hospitals, exclusions, and premiums across suitable insurers.
Purchase With Confidence
You begin with your actual insurance needs, review suitable options, and choose products that match those requirements with claims support included.
Get Expert RM Support
Inka's trained and certified relationship managers help you understand your insurance needs, compare suitable options, complete buying steps, and make the tedious form-filling process easier.
Expert Relationship Managers
Trained experts who help you move from report to purchase.
Inka is proud of its relationship managers. They are trained and certified to understand insurance needs, product suitability, buying processes, and customer questions. Their role is to handhold users after the report so insurance does not feel confusing, tedious, or lonely.
Trained and Certified
Inka's relationship managers are trained on insurance concepts, product suitability, customer needs assessment, and compliant buying support.
Insurance + Process Expertise
They help users understand recommendations, compare suitable options, and make sense of policy terms, exclusions, waiting periods, and documentation.
Form-Filling Handholding
Buying insurance often involves long forms and confusing questions. Relationship managers help make the form-filling journey easier and less stressful.
Available Through the Journey
Users are not left alone after the report. Relationship managers are available to handhold them from understanding needs to buying and post-purchase support.
No Commission Bias
Recommendations are based on your needs, not insurer commission.
This is a big part of how Inka Insurance works. The journey starts with your profile, responsibilities, existing coverage, and protection gaps. The goal is to identify suitable protection first, not to push the policy that pays more commission.
What we use
Your needs, coverage gaps, product suitability, and long-term insurance adequacy.
What we do not use
Insurer commission, higher payout, or which policy is more profitable to sell.
How Vaani explains it
Vaani explains the report and recommendation logic in simple language without commission-led framing.
Get Your Free Insurance Report
Understand your insurance needs before choosing a policy.
Most people start by looking for insurance policies.
Inka starts by helping you understand your insurance needs.
The Inka Insurance Report (IIR) analyzes your profile, evaluates your protection requirements, and identifies potential coverage gaps to suggest suitable cover levels.
The report is free and takes only a few minutes to generate.
What Inka Insurance Looks At
The goal is not to find the cheapest policy. The goal is to understand your protection needs.
Your Profile Inputs
- Age
- Income
- Existing insurance coverage, if any
- Insurance history
- Family structure
- Financial responsibilities
- Lifestyle factors
Coverage is personal
Insurance needs depend on responsibilities, liabilities, and income — not just age. Two people of the same age can need very different protection depending on dependents and loans; see the example cards below.
Health Insurance
- Medical inflation
- Family size
- Existing employer coverage
- City-specific healthcare costs
- Existing health insurance policies
Term Insurance
- Income replacement needs
- Outstanding loans
- Family responsibilities
- Long-term financial goals
Critical Illness Insurance
- Potential treatment costs
- Recovery periods
- Income disruption risks
- Existing health insurance protection
Person A
- Age 30
- Single
- No dependents
- No loans
Person B
- Age 30
- Married
- Two children
- Home loan
Why Inka Insurance Is Different
Many insurance journeys begin with products.
Inka begins with understanding.
Instead of asking:
Which policy should I buy?
Inka first helps answer: