Frequently
asked questions

No. 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.

Yes. Parametric covers are designed around a trigger event you define - zero rides, rainfall below a threshold, platform downtime. We scope the trigger with you and build the actuarial model around it.

Yes, for the standard Hospital Daily Cash product. No bills, no detailed medical records - just a discharge certificate confirming the days of hospitalisation.

Yes. Many platforms make it a soft-mandatory benefit - the premium is either employer-paid or deducted from payroll. Bharatsure can advise on the right model for your user base.

Yes. Bharatsure can bundle asset insurance (fire/damage on the vehicle or equipment) with a personal accident cover for the operator - a common embedded use case for EV and mobility platforms.

Yes. Small asset covers can be structured as monthly subscriptions at low premium, activated at the point of device issuance or lease.

Bharatsure's dedicated claims desk manages the surveyor process, documentation collection and insurer follow-up end-to-end. Your partner does not need to handle claims coordination directly.

Through the Affinity platform, Bharatsure offers embedded group hospitalisation - designed for platforms distributing to a defined user base. Individual retail health is a separate product category.

Yes. Both are configurable add-ons - included or excluded based on your user segment and pricing model.

The user presents their digital e-card at a network hospital. Bharatsure's TPA partner handles pre-authorisation. The partner and user can track claim status in real time on the dashboard.

Yes. Cyber insurance is well-suited to monthly subscription models - the premium is low and the trigger is account activation or subscription renewal.

Typically an FIR, bank statement showing the fraudulent transaction, and screenshots of the fraud event. Bharatsure's claims desk guides users through the process and follows up with the insurer.

Coverage depends on the policy variant. UPI fraud triggered by social engineering is a nuanced area - Bharatsure will clarify the exact coverage position when scoping the product for your platform.

Currently dogs and cats of all breeds. Age limits and any breed-specific restrictions are confirmed at policy scoping.

Waiting periods vary by cover type - typically shorter for accident claims than illness claims. Bharatsure will confirm the exact waiting periods when scoping the product for your platform.

Yes. Monthly tenures work well for pet insurance - particularly for platforms where engagement is frequent, like vet apps and food subscriptions.

The median settlement for this lending use case is 20 days. Bharatsure's claims desk manages documentation collection and follow-up with the insurer to keep this timeline.

Yes. Many lenders make it mandatory at disbursal, with the premium either absorbed by the lender or added to the loan cost. Bharatsure can advise on the right model for your loan book and regulatory context.

Minimum sum insured and exact premium range are confirmed at product scoping. Sachet term is designed for affordability - typically no medical underwriting for small sum insured amounts.

PA covers death or disability specifically caused by an accident. Term insurance covers death from any cause - accident, illness or otherwise. For gig workers where the primary risk is on-road accidents, PA is often more relevant and significantly cheaper.

Yes. EV mobility programs commonly pair fire insurance for the station with PA for the driver in one integrated cover. Bharatsure handles the bundling and single-policy issuance.

Yes. Permanent partial disability (e.g. loss of a finger, partial loss of vision) is covered as a percentage of the sum insured, defined in the policy schedule.

Yes. Bharatsure's API issues the policy in real time at checkout - the user opts in, pays the premium (added to the booking value) and receives the policy document instantly.

Yes. Both tenures are supported. The platform can present the annual option as an upsell to frequent travellers.

No. Adventure cover is a configurable extension of the standard travel product - no separate underwriting required for most activities.

Typically either buyer insolvency (formal bankruptcy or winding up) or protracted default - the buyer has not paid within a defined number of days past the agreed credit period. The exact definition is set in the policy schedule.

Both options are available - whole turnover policies cover the entire book, while named buyer policies cover specific high-exposure buyers. Minimum book size requirements are confirmed at scoping.

Yes. Bharatsure supports domestic trade credit and export credit cover, including political and commercial risk on foreign buyers.

Regulatory requirements vary by product type and lender category. Many lenders opt for soft-mandatory models - Bharatsure can help you structure what works for your loan book.

Yes. Asset insurance applies to secured loans with collateral; term and PA covers apply to unsecured personal and MSME loans.

Bharatsure's claims desk collects the required documentation, coordinates with the insurer and ensures the payout goes directly to the lender. Typical timeline: 20 days from claim filing.

No. Bharatsure provides the licensed infrastructure - you embed as a partner, no separate licence required.

Yes. The API supports eligibility rules - you define who sees the offer, Bharatsure handles the rest.

Bharatsure works on a revenue-share model on premium collected. The exact commercial terms are agreed during scoping.

Both models work. Bharatsure supports platform-paid, worker-paid and split-premium structures.

For monthly covers, the policy runs for the paid period and is not renewed on deactivation. No exit paperwork needed.

This is a nuanced legal area. Bharatsure recommends consulting legal counsel on employment classification. Providing insurance is increasingly viewed as a welfare measure distinct from employment status.

Yes. Asset details are passed at policy issuance - owned and leased vehicles are handled within the same API.

Battery coverage depends on the policy variant. Bharatsure will confirm the exact coverage position on battery damage when scoping the product for your platform.

PA cover for pillion riders is available as a configurable add-on. Confirm availability and pricing at scoping.

Yes. Most platforms use a soft opt-in at checkout - pre-ticked or prominently displayed, with the buyer able to opt out.

The buyer files an online claim through Bharatsure's portal. An assessor is assigned (remote or in-person), and the claim is settled as repair or replacement based on the policy terms.

Yes. Eligibility rules are fully configurable - insurance is offered only when cart value or product category meets your defined threshold.

Bharatsure integrates via API - employee additions, exits and changes sync automatically, triggering policy endorsements without manual intervention.

Yes. Employers choose from the catalogue - health, term, PA, job loss - and configure sum insured, premium split and eligible employee categories.

Endorsements are processed automatically on exit. The policy is terminated and any portability options are communicated to the employee.

Yes. Bharatsure supports multi-country international student cover. Specific country availability and compliance with university requirements are confirmed at scoping.

Yes - insurance can be configured as a feature of a specific subscription tier.

Age eligibility is confirmed at product scoping. Most PA products are available from age 5 upwards with parental consent.

Yes. Bharatsure supports domestic trade credit and export credit cover (political and commercial risk on foreign buyers).

Yes. Eligibility rules are configurable - only MSMEs meeting your defined criteria receive the insurance offer.

Sum insured is based on declared value or reinstatement value of the asset. The exact basis is agreed at policy scoping depending on the asset type and lender preference.

Yes. Policy is issued in real time - the user opts in at checkout, premium is added to the booking value and the policy document is sent instantly.

No. Adventure cover is a configurable extension of the standard travel product - no separate underwriting for most activities.

Attach rates vary by booking type and how prominently the offer is displayed. Bharatsure can share benchmarks from comparable platforms during scoping.

Yes. Bharatsure can support assisted and semi-embedded models while a deeper API integration is planned.

Fintechs, marketplaces, banks, SaaS platforms, and consumer apps with high-intent customer journeys are strong fits.

Yes. Bharatsure can help configure retail add-ons around a core group benefits program.

Yes. Servicing and claims coordination can be included as part of the benefits workflow.

No. Bharatsure supports startups, SMEs, brokers, and larger institutions depending on the insurance use case.

Yes. Custom solutions can be configured around partner branding and desired customer journeys.