Income Protection
Daily hospicash, parametric income covers and job-loss payouts that protect what people actually earn.
HospicashParametric incomeJob loss
The Embedded Insurance layer for India's next billion users
Embed insurance into your digital product journeys with plug-and-play APIs. Generate new revenue streams, increase customer engagement, and strengthen your brand value proposition.
100% white-labelled
Multi-tenant console
Live in 15 days
End-to-end APIs
9:41
Cartly
Checkout
Powered by Bharatsure
12 items · Express delivery
Checkout · ₹2,480
Add insurance
Order Protection
Damage, loss & easy return cover
₹19
for this order
- In-transit damage cover
- Refund on lost items
- 24×7 claim chat
Home
Search
Alerts
Account
30K+
Gig lives covered monthly
20K+
EV bikes protected
2,500+
Solar panels insured
2,000+
Pets Insured
Live in production with
Embedded programs already running across high-intent journeys
Gig platforms · Personal accident
Gig platforms · Health + PA
Lending & NBFCs · Credit-linked life
Lending & NBFCs · Solar panel cover
EV & mobility · Charging-station fire + PA
EV & mobility · EV own-damage
Fintech · Daily hospicash
E-commerce & D2C · Leased-device protection
Gig platforms · Personal accident
Gig platforms · Health + PA
Lending & NBFCs · Credit-linked life
Lending & NBFCs · Solar panel cover
EV & mobility · Charging-station fire + PA
EV & mobility · EV own-damage
Fintech · Daily hospicash
E-commerce & D2C · Leased-device protection
How It Works - The Co-Design Process
From trigger to live policy in four steps
01
Tell us your trigger
Share your platform, your users and the moment you want to embed insurance - loan disbursal, subscription start, delivery milestone, checkout.
02
We scope the cover
Our actuarial and product team scope the right cover for your trigger - product type, sum insured, tenure, claim experience. Most scoping calls wrap in 30 minutes.
03
We build and integrate
One REST endpoint. SDKs, sandbox keys and Postman collections. Most pilots go live within 15 days of the term sheet.
04
We handle the claims
Dedicated claims desk per partner. Published SLAs. Transparent dashboards. Most life claims settle within 20 days.
Why Bharatsure AffinityOS
Everything you need to run an affinity programme, under your brand
01
100% white-labelled
Every member portal, policy PDF, email and SMS runs as your brand. Not a Bharatsure logo in sight.
02
Multi-tenant by design
Host unlimited intermediary or partner brands under a single console with full role-based isolation.
03
End-to-end APIs
Quote, bind, endorse, claim, reconcile. Every workflow exposed as a callable endpoint from day one.
04
Customisable journeys
Different onboarding, eligibility and pricing per partner or geography. Configure, don't code.
05
One console, every workflow
Member management, claims, communication, pricing, statements. Role-based and audit-ready.
06
Go live in 15 days
From term sheet to production-grade affinity program in just two weeks. We have done it 40+ times.
What We've Already Built
Every insurance product Bharat needs, embedded at one endpoint
AffinityOS is product-agnostic. We have launched health, asset, term, PA, cyber, pet, travel, hospicash, parametric and trade-credit programs for our partners. The list below is what we have already built. Bring us a new product and we will co-design it with you.
Asset Insurance
Cover everything from solar farms and EV fleets to leased phones and wearables, large or small.
SolarEV fleetsDevices
Health Insurance
Embedded GHI for hospitalisation, OPD, maternity and diagnostics, fully customisable per partner.
GHIOPDDiagnostics
Cyber Insurance
Protect users against UPI fraud, identity theft, social-media liability and online shopping scams.
UPI fraudIdentity theftShopping scams
Pet Insurance
Surgery, hospitalisation, OPD and third-party liability for the dogs and cats people love.
SurgeryOPDLiability
Term Insurance
Sachet term covers for low-income segments and loan-protection term that clears outstanding EMIs.
Sachet termLoan protectionEMI cover
Personal Accident
Accidental death, permanent or partial disability and accidental hospitalisation, daily to annual tenures.
ADDisabilityHospitalisation
Travel Insurance
Trip cancellation, baggage loss, flight delay, medical emergency and adventure, per trip or annual.
Trip cancellationBaggageMedical
Trade Credit Insurance
Protect lenders and sellers against buyer default by covering outstanding receivables when buyers fail to pay.
Buyer defaultReceivablesExport cover
Don't see the right fit? Every cover we've built started with a trigger that didn't exist on any catalogue. Tell us yours.
Industries
Tell us your industry, we will tell you the cover
Available for every industry. Tell us yours, and we'll recommend the right cover.
Recommended for your platform
Protect every loan you write
Protect every loan you write, from credit-linked term to asset cover for the underlying collateral.
Recommended covers
Loan-protection termAsset insuranceTrade creditPersonal accidentJob loss
Live in production
Credit-linked life and solar-panel cover live in production - 500+ lives and 2,500+ panels insured.
Affinity FAQs
Answers for platforms, fintechs and lenders evaluating embedded insurance.
View all FAQsNo. Bharatsure operates under the appropriate regulatory framework. As a partner, you distribute insurance through our licensed infrastructure; you do not need your own insurance or broking licence.
Sachet insurance refers to small-ticket, short-tenure covers, daily, weekly or monthly, designed for users who cannot or will not buy an annual policy. A gig worker paying ₹24/month for personal accident cover is a sachet product.
Most pilots go live within 15 days of the term sheet. Sandbox access is typically set up within 48 hours.
Embed Insurance into your product!
Tell us your platform and the moment you want to protect your users - checkout, disbursal, sign-up. We'll co-design the cover, scope it, and map the integration. Most pilots go live within 15 days.
