India's most loved employee benefits tech infra

We partner with brokers, agents, B2B institutions and Enterprises to deliver full-stack technology, year-round servicing, a deep product shelf and sales support - so you can focus on what you do best.

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bharatsure.os / dashboard

Your Dashboard

NK

Clients

0

↑ 4 new

Lives Covered

0

↑ 1,240

Claims Settled

0

↑ 12.4%

Claims Analytics

7D
782
  • Approved62%
  • Processing24%
  • Pre-auth9%
  • Rejected5%
2,000+
Corporates Served
3.5 Lakh+
Lives Covered
14,800+
Claims Processed
15+
Insurer/TPA integrations

Insurer Integrations

Powering distributors across India's insurance ecosystem

30+ insurers · 15+ TPAs · 10+ wellness providers

Acko
Aditya Birla Capital
Aviva
Axis Max
Bajaj Allianz
Bandhan life
Care Health
Chola MS
credit access
Digit life
Digit
HDFC Ergo
HDFC Life
ICICI Lombard
ICICI Prudential
Iffco Tokio
India First Life
indusind
Kenko
Kotak Life
Liberty Insurance
Magma
Manipal Cigna
National Insurance
New India Assurance
Niva Bupa
Pramerica
Raheja QBE
Reliance Nippon
Royal Sundaram
SBI General
Shriram General
Shriram Life
Star Health
Tata AIA
TATA AIG
The Oriental Insurance
United India
Universal Sompo
Zuno
Zurich Kotak
ericson
fhpl
Good health
health india
link k
MDIndia
mediaassist
Paramount
safeway
Vidal
volo
Connect and Heal
Cult
Even
Healthians
Medibuddy
Medulance
Mindpeers
Moodspace
My Dental Plan
Qube health
The Financialist
Visit
Watch your health
Acko
Aditya Birla Capital
Aviva
Axis Max
Bajaj Allianz
Bandhan life
Care Health
Chola MS
credit access
Digit life
Digit
HDFC Ergo
HDFC Life
ICICI Lombard
ICICI Prudential
Iffco Tokio
India First Life
indusind
Kenko
Kotak Life
Liberty Insurance
Magma
Manipal Cigna
National Insurance
New India Assurance
Niva Bupa
Pramerica
Raheja QBE
Reliance Nippon
Royal Sundaram
SBI General
Shriram General
Shriram Life
Star Health
Tata AIA
TATA AIG
The Oriental Insurance
United India
Universal Sompo
Zuno
Zurich Kotak
ericson
fhpl
Good health
health india
link k
MDIndia
mediaassist
Paramount
safeway
Vidal
volo
Connect and Heal
Cult
Even
Healthians
Medibuddy
Medulance
Mindpeers
Moodspace
My Dental Plan
Qube health
The Financialist
Visit
Watch your health

Services Offered

Four pillars, running in parallel

Technology, servicing, products, and sales support work together as one operating system for your group insurance book.

Technology

One dashboard. Every insurance operation

Bharatsure's full-stack platform is your command center for group insurance - policy management, claims, endorsements, analytics, member data and more. Deploy under your own brand or use ours.

Policy & Renewal Management

Full lifecycle management for all group policies - issuance, mid-term changes, renewals, and communications in one workflow.

  • Multi-insurer policy tracking
  • Complete policy data management
  • Renewal alerts and management

Claims Management

Cashless and reimbursement claims tracked in real time. HR admins and employees both have visibility, with record keeping and analytics built in.

  • Real-time claims tracking with insurer and TPA integrations
  • Complete visibility for employees and admins
  • Claims analytics and trend reports

Endorsement Processing

Additions, deletions, and corrections processed digitally - no paper, no email chains.

  • Bulk upload for HR data changes
  • HRMS integrations for automated endorsements
  • Employee self-addition options

HR / Admin Portal

A clean, intuitive dashboard for HR teams to manage policies, employees, and claims.

  • Employee master data management
  • Policy summary and utilization view
  • Endorsement and claim processing visibility

Employee Self-Service

Employees access their benefits without going through HR.

  • Digital e-cards on mobile and web
  • Network hospital search
  • Claims filing and status tracking
  • Benefits summary and coverage details

Analytics & MIS

Actionable reports that tell you what's happening across your book.

  • Utilization reports by policy and employer
  • Claims analytics with cost drivers
  • Renewal prediction and portfolio health

White-Label Deployment

Launch under your own brand with custom domain, logo, and colour scheme.

  • Your clients see your brand
  • Configurable product catalogue per client
  • Branded email communications

Get Quote Engine

Generate quotes in minutes with our state-of-the-art quote engine.

  • Proprietary pricing intelligence
  • One-click proposal generation
  • Ability to directly share quotes with leads

Security & Compliance

Built on certified, secure, and isolated infrastructure to ensure client data remains protected, compliant, and accessible only to authorized users.

  • ISO/IEC 27001:2022 Certified
  • Hybrid Database Architecture (Optional)
  • Controlled & Secure Access

Servicing

The year-long exercise. It's on us

Real-time claims assistance, endorsements, and Health & Wellness signups throughout the policy year - with optional servicing support available from our dedicated team whenever you need it.

Claims Assistance

End-to-end claims support for both cashless and reimbursement claims.

  • Pre-auth requests and follow-ups with TPAs and insurers
  • Reimbursement document review and submission
  • Status tracking and escalation handling
  • Employee communication throughout the claims journey

Client Onboarding Support

Full support to activate new clients smoothly after closure.

  • Data collection and employee upload
  • Policy activation support
  • HR training and go-live assistance

Endorsement Management

All mid-term changes processed digitally, accurately, and on time.

  • Employee additions and deletions
  • Dependent changes and corrections
  • Insurer confirmation and audit trail
  • Bulk processing for HR teams with large workforces

Renewal Management

A smooth, competitive renewal experience - every year.

  • Renewal pack preparation with utilization data
  • Multi-insurer negotiation and benchmarking
  • Renewal timeline management
  • Seamless data migration to new policy year

Health & Wellness Signups

Help employees access the full benefits package - not just the policy.

  • OPD, teleconsultation, and wellness program onboarding
  • Employee communication and activation support
  • Utilization tracking for HR

Dedicated Relationship Management

One point of contact for every operational need throughout the year.

  • Named relationship manager per partner
  • Regular check-ins and utilization reviews
  • Escalation routing for urgent situations

Products

The widest product shelf in group insurance

Group insurance from 30+ insurers, Health & Wellness from 10+ providers, and a proprietary pricing engine - plus the flexibility to bring your own custom broker products onto the platform.

Group Insurance Products

Employee benefit insurance products designed for corporates, employers, and member groups.

  • Group Health Insurance
  • Group Personal Accident and Group Term Life
  • Group Travel, Top-Up, Super Top-Up, and Critical Illness covers

Health & Wellness Products

Value-added wellness solutions to improve employee engagement and everyday healthcare access.

  • OPD and teleconsultation
  • Preventive health checkups
  • Mental wellness, dental, and vision plans

Commercial Insurance Products

Business insurance solutions to protect companies against operational, asset, and liability risks.

  • Liability insurance
  • Asset, marine, engineering, and fire insurance
  • Cyber and other corporate risk products

Retail Add-On Products

Individual add-on covers that can be offered to employees, customers, or affinity groups.

  • Retail health and top-up plans
  • Personal accident and wellness add-ons
  • Voluntary benefits and employee-paid products

Offers & Rewards Platform

Give your members exclusive offers and discounts on health and wellness programs - all under your brand. Partners can also list their own products and services on the platform, turning the member base into a captive cross-sell channel.

  • White-labelled storefront under your brand
  • Curated health & wellness deals for members
  • List your own products and services for cross-sell
  • Works on the existing captive member base

Custom Broker Products

Bring your proprietary or co-developed insurance products onto Bharatsure's platform.

  • Custom coverages and pricing models
  • Exclusive insurer tie-ups
  • Distribution through Bharatsure's tech and servicing stack

Sales Support

From first conversation to signed client

End-to-end support through the entire sales cycle - from scoping client needs to proposal, negotiation and full onboarding. We make sure your client journey comes full circle.

Needs Assessment Support

We help you understand the prospect's requirements before quote generation.

  • Headcount, industry, and coverage assessment
  • Risk profile and budget mapping
  • Recommendation of suitable product options

Proposal & Presentation Preparation

Get client-ready proposals with clear plan options and a strong value narrative.

  • Multi-insurer comparison
  • Customised plan structuring
  • Branded presentation decks

Get Quote Engine

Generate quotes in minutes with our state-of-the-art quote engine.

  • Proprietary pricing intelligence
  • One-click proposal generation
  • Ability to directly share quotes with leads

Your Sales Edge

We support your sales process without replacing your client relationship.

  • Your pipeline, our support
  • Faster conversions with quicker proposals
  • Stronger post-sale confidence through servicing support

Why Bharatsure

Built specifically for India's group insurance distribution chain

One platform to manage it all

One login. Every policy, claim, insurer, and client - managed from a single platform.

Built for Indian group insurance

Local compliance, insurer processes, and broker workflows built in. No adapting a global product to the Indian market.

Your brand, our infrastructure

White-label the platform for a seamless client experience under your own name.

A servicing team that's an extension of yours

Our team handles the ops year-round so yours doesn't have to.

The widest product shelf

30+ insurers, 10+ wellness providers, and the flexibility to bring your own custom broker products onto the platform.

Claims-first

Dedicated claims desk, published SLAs, and transparent dashboards for every partner.

How It Works

From onboarding to growing your book - a simple, clear path

01

Onboard

Set up your account in weeks. We handle data migration, platform customisation, and white-label configuration - so you're not starting from scratch.

02

Configure

Pick your product mix from 30+ insurers and 10+ wellness providers. Configure your white-labelled portal with your logo, domain, and client settings. Your first client can go live in under 5 minutes once you're set up.

03

Sell

Use the Get Quote engine for instant proposals, our pre-built presentation templates, and sales support from our team to move from first conversation to signed client - faster.

04

Grow

Renew, upsell, and cross-sell from the same dashboard - retail products, wellness add-ons, and more. We handle year-round servicing, so your team stays focused on growing the book.

Benefits of Bharatsure

What you get with Bharatsure

Fast Integration & Setup

Go live in weeks with guided onboarding, API support, data migration, training, and implementation assistance.

Secure & Compliant Platform

ISO/IEC 27001:2022 certified platform with secure data handling, role-based access, and audit trails.

Insurer & TPA Integrations

Integrated with leading insurers and TPAs for smoother servicing, claims, endorsements, and data exchange.

Who Is It For

Built for every layer of the group insurance distribution chain

Built for your operating model

Scale your book without scaling your operations team

Scale your book without scaling your ops team. Full-stack tech, 30+ insurer access, a servicing team, and a white-label portal.

Best fit for

BrokeragesCorporate agentsLarge group booksWhite-label portalsClaims-heavy clients
Insurance Brokers employee benefits preview

Where Bharatsure helps

Use one platform for policy management, renewals, claims, endorsements, analytics and client servicing across your group insurance book.

WHAT OUR PARTNERS SAY

Trusted by the teams who run India's group insurance book

Claims & Member Experience

Our clients love the mobile app experience provided through Bharatsure. From policy access to claims support, everything is simple and accessible. The platform has enabled us to offer a smooth and transparent claims experience to employees, which has greatly improved client satisfaction.

Fintech Distribution Partner

Digital Distribution & Group Insurance

Bharatsure has completely transformed the way we offer group insurance. With their ready-to-use digital infrastructure and white-labelled platform, we were able to launch our own insurance portal without investing in heavy tech development. It helped us tap into the group insurance segment much faster while keeping the entire experience seamless for our clients.

Broker Partner

Operational Efficiency

The platform has significantly reduced our operational workload. Tasks that earlier required manual coordination across teams are now streamlined through Bharatsure's dashboard and automation tools. It has improved our operational efficiency and allowed our team to focus more on business growth rather than backend processes.

Broker Operational Lead

Case studies

How partners use the EB Stack

Built from real partner rollouts across technology-only, servicing-led, and full-stack employee benefits deployments.

Case study

EB Stack - Tech only

Insurance broker

01
?

Challenge

A broker wanted to expand its employee benefits portfolio with a scalable solution that could support insurer and claims integrations while opening new revenue opportunities through cross-selling.

B

How Bharatsure helped

White-label TechMobile App
=

Result

The partner can now manage group insurance more efficiently with automated claims processing, a branded mobile app experience, and new revenue streams through retail insurance cross-sell.

Case study

EB Stack - Tech + Servicing

Health benefits platform

02
?

Challenge

A health benefits platform wanted to establish an IPD insurance vertical for corporates to complement its OPD offerings, since many employers prefer to bundle OPD programs with IPD policy renewals.

B

How Bharatsure helped

White-label TechServicing
=

Result

The partner onboarded 100+ corporates using the Bharatsure stack and successfully cross-sold OPD plans alongside group insurance.

Case study

EB Stack - Tech + Servicing + Product

Merchant network platform

03
?

Challenge

A platform with a million-plus merchant network wanted to cross-sell group insurance to businesses and their employees.

B

How Bharatsure helped

White-label TechServicingProduct
=

Result

The partner has completed pilots using Bharatsure's white-labelled stack to distribute group insurance to corporates covering their employees, with plans to scale the vertical in the coming quarters.

Common questions

View all FAQs

The platform is designed primarily for licensed brokers and agents. However, B2B institutions and corporates looking for a tech layer can also access parts of the platform in a different capacity. Reach out and we'll map the right setup for you.

Yes. The platform can be deployed under your own domain, logo, and color scheme. Your clients see your brand - Bharatsure operates behind the scenes.

Both work in tandem. Bharatsure's servicing team manages the partner and employee side - communication, document submission, and follow-ups - while the TPA handles the medical assessment and approval on the insurer side.

Yes. Brokers with proprietary or custom products they've already built with insurers can bring those onto the platform alongside the standard product catalogue.

Yes. The platform supports multi-tier plan structures where employees can choose from options configured by HR.

No. Our sales support is built to make our broker and agent partners more effective - not to compete with them. We are a behind-the-scenes enabler.

Let your team stay focused on growth

You bring the clients. We'll handle the tech, the servicing and the claims - so your team spends its time selling, not operating. Tell us about your book and we'll map the right setup.

Bharatsure insurance consultation