Inka Insurance Report
A Free Insurance Needs Report Generated in 60 Seconds
The Inka Insurance Report is a free, system-generated insurance needs assessment that helps users understand how much Health Insurance, Term Insurance, and Critical Illness Insurance they may need.
Most people start by comparing insurance products.
Inka starts by calculating your protection requirement.
First understand how much protection you may need. Then compare products that fit that requirement.
What Is the Inka Insurance Report?
A personalized insurance
assessment that answers
three important
questions.
The report is generated using Inka's proprietary recommendation algorithm, built from deep experience across insurance, credit bureau data, and financial risk understanding. Instead of asking users to manually calculate their insurance needs, Inka uses structured financial and profile signals to create a personalized report.
The report helps answer:
- How much insurance do I need?
- Where am I underinsured or unprotected?
- Which insurance products may be suitable for my situation?
Why credit bureau data matters
Insurance needs are
closely connected to
a person's financial
life.
Income, loans, liabilities, repayment behaviour, obligations, and financial responsibilities can help build a clearer picture of how much protection someone may need.
Where permitted, Inka uses credit bureau-derived insights to understand a financial profile more accurately than a purely manual questionnaire.
2,400+ Bureau and Financial Variables Related To:
- Income capacity
- Liabilities
- Loan obligations
- Financial responsibilities
- Risk exposure
- Existing financial commitments
- Protection gaps
This allows Inka to assess insurance needs faster and with richer context than a product-first conversation.
Why traditional advice often falls short
Most people do not buy
insurance after understanding
their financial risk.
Many decisions are based on:
- A recommendation from a friend
- A product an advisor suggested
- A premium that looks affordable
- A policy purchased years ago and never reviewed
Person A
- Age 30
- Single
- No dependents
- No loans
Person B
- Age 30
- Married
- Two children
- Home loan
Both are the same age. Their insurance requirements are completely different. The Inka Insurance Report was created to solve this problem.
How the report is generated
Inka analyzes your profile,
responsibilities, protection
needs, and potential coverage
gaps.
The report follows a structured system-driven process. These inputs help build a more complete picture of your protection requirement.
Stage 1
Profile Understanding
Inka collects or derives relevant profile, family, financial, insurance, and bureau-derived signals where permitted.
Stage 2
Variable Analysis
The proprietary system evaluates relevant profile, financial, insurance, and bureau variables to understand current protection requirements.
Stage 3
Insurance Need Calculation
The system estimates suitable coverage requirements for Health Insurance, Term Insurance, and Critical Illness Insurance.
Stage 4
Coverage Gap Detection
The report identifies no coverage, low coverage, incomplete coverage, overlapping coverage, or missing protection areas.
Stage 5
Product Suitability Matching
Once the requirement is understood, Inka compares suitable products across insurers and identifies options aligned to the user's needs.
First calculate the user's protection requirement. Then recommend suitable insurance products.
Proprietary Recommendation Algorithm
Built to calculate
insurance needs before
recommending
products.
The Inka Insurance Report is powered by Inka's proprietary insurance recommendation algorithm. The exact scoring logic is proprietary, but the principle is simple: first calculate the user's protection requirement, then recommend suitable insurance products.
The algorithm is designed to combine:
- User profile signals
- Financial responsibility indicators
- Bureau-derived insights
- Existing coverage information
- Insurance product features
- Coverage suitability rules
Commission-Neutral by Design
The recommendation
system does not use
insurer commission
data.
The algorithm does not know which product pays higher commission, which insurer gives higher payout, or which policy is more profitable to sell. This keeps the report focused on user need and long-term adequacy.
Traditional Advice vs Inka Insurance Report
A system-driven report gives users clearer context before they choose a policy.
What you receive in the report
A clear view of your protection
needs across Health, Term, and
Critical Illness Insurance.
Health Insurance Requirement
How much health cover may be suitable based on profile, family, city, and existing coverage.
Term Insurance Requirement
How much life cover may be needed based on income, liabilities, dependents, and responsibilities.
Critical Illness Requirement
Whether additional protection may be needed for serious illness-related financial risks.
Coverage Gap Analysis
Where the user may be underinsured or missing important protection.
Recommended Products
Suitable insurance options matched to the user's assessed requirements.
Explanation of Recommendation
Why a particular coverage amount or product is being suggested.
Why we built Vaani
A report is useful only
when people can
understand it.
Vaani is Inka's AI-powered insurance assistant designed to explain your report in simple language. It helps users understand report findings, recommendation logic, insurance gaps, and policy terms without getting stuck in jargon.
Make insurance easier to understand for every Indian.
Vaani helps users:
- Why a cover amount was recommended
- Why two people may receive different recommendations
- What policy terms actually mean
- What insurance gaps exist
- What the next step should be
From report to protection
Step 1
Understand Your Requirements
Learn how much insurance may be suitable for your situation.
Step 2
Compare Suitable Options
Review products that align with your requirements.
Step 3
Purchase With Confidence
Choose insurance based on your needs rather than guesswork.
Step 4
Get Claims Support
Receive assistance when you need help with claims or policy-related questions.
Why users choose the Inka Insurance Report
Get a clearer view of
your insurance needs
before choosing a
policy.
Generated in about 60 seconds
80,000+ insurance journeys served
Recommendations across 23 insurers
Can evaluate 2,400+ bureau and financial variables where permitted
Health, Term, and Critical Illness needs assessed together
Commission-neutral recommendation approach
Report plus Vaani explanation
Claims support after purchase