At Turtlefin, we offer two services for insurance distribution: API Integrations and a White-labelled platform. We understand that the insurance journey can be complex with various requirements such as need analysis questions, riders, add-ons, KYC, and more. Our experienced team has been working directly with most insurers in India to declutter the process and provide a smooth user experience to customers. If you're looking to add insurance as an add-on to an existing product purchase journey, then API Integrations are the way to go. Our APIs are straightforward and journey based on pre-defined grids. However, please note that API Integrations are not available for retail insurance product distribution. On the other hand, if you're looking to distribute retail insurance products, then our White-labelled platform is the best option for you. Our team takes care of all the effort, including integration with insurers, building a responsive UI for a smooth user experience, upgrading insurer plans when required, providing all variants and riders, and doing the hard work for you. In summary, choosing the right service depends on the type of insurance product you want to distribute. Let our team guide you in making the right selection and getting to market at the earliest. We're here to help you every step of the way.

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A minor accident can indispose an individual temporarily, while major ones can severely impact one’s life and overall well-being. It has become imperative to buy a sound insurance plan to protect yourself against untoward perils. A Personal accident insurance policy is designed to offer some relief to the injured person or a dependent. Personal Accident Cover offers compensation in the event of demise, bodily injuries, impairment or mutilation resulting from an accident. Compensation is provided in case of an accident while travelling through rail, air, road, drowning, or due to a collision, bodily injuries, burn etc. Financial support is provided to the policyholder irrespective of the intensity of the incident. In case of unfortunate accidental death of the policyholder, the best personal accident insurance plans in India help the dependent members by providing them financial assistance. In case of impairment resulting from an accident, the policy-holder will also get compensation for the loss of income. It ensures peace of mind as it guards against the most unexpected events. Other benefits include hospitalisation cover: Hospital bill payment Compensation of ambulance cost Loss of Pay Worldwide coverage Both individual and family plans are available Legal and funeral expenses are covered Child education benefit

There are several key benefits of embedded insurance, both for customers and for companies offering non-insurance products or services: Convenience: Embedded insurance offers customers the convenience of being able to purchase insurance products at the same time as they are buying a non-insurance product or service. This saves customers the time and effort of having to research and purchase insurance separately. Increased uptake of insurance products: By offering insurance products as an add-on to a non-insurance product or service, companies can increase the uptake of insurance products. Customers may be more likely to purchase insurance when it is presented to them in a relevant and timely manner. Additional revenue stream: Offering embedded insurance can provide an additional revenue stream for companies offering non-insurance products or services. This can help to diversify their revenue streams and make their business more profitable. Better customer engagement: Offering relevant insurance products as part of a non-insurance product or service can improve customer engagement and satisfaction. Customers may be more likely to see the value in a non-insurance product or service that comes with relevant insurance coverage. Simplified claims process: Embedded insurance can also simplify the claims process for customers. Since the insurance coverage is integrated into the non-insurance product or service, customers can often make a claim through the same platform or process that they used to purchase the product or service. This can make the claims process faster and more convenient for customers.

Attachment products are insurance products that are added to a primary insurance policy to provide additional or supplemental coverage. They are also known as endorsements, riders, or floaters, and are used to customize an insurance policy to meet the specific needs of the policyholder. For example, a homeowner's insurance policy might include a standard level of coverage for damages to the home and personal property. However, the homeowner may want additional coverage for specific items, such as a high-value piece of jewelry or an expensive art collection. In this case, the homeowner could add an attachment product, such as a jewelry floater or an art rider, to provide additional coverage for those items. Attachment products can be added to many types of insurance policies, including homeowners insurance, auto insurance, and life insurance. They can provide coverage for specific risks or events that are not covered by the primary insurance policy, or they can increase the limits of coverage for certain types of losses. The cost of attachment products varies depending on the type and amount of coverage provided. Policyholders should carefully consider their insurance needs and consult with their insurance provider to determine whether an attachment product is right for them.

Travel insurance covers different types of risks that you might face while travelling. A travel insurance plan covers vacations, business trips, and even educational trips. The expenses that are covered could include medical expenses, trip cancellation, loss of luggage or any other loss during the trip. Travel insurance covers any risk starting from your first flight to the stay and the return journey. Features of Travel Insurance Plan ​ COVID-19 Covers - COVID 19 cover provides cover for trip cancellation, extensions and medical expenses in case the traveller or an immediate family member is diagnosed with COVID 19 or if a lockdown is imposed in the destination city or country. ​ Baggage Covers- This cover protects the traveller in case of loss of baggage or delayed baggage. The plan will help you cover the cost of buying necessary personal belongings. Medical Covers - These medical covers provide coverage for medical emergencies or evacuation back to your home country or city, study interruption due to medical issues and visits from your family to visit you if needed. Journey Covers - The Journey cover helps with the assistance needed in any urgent situation ranging from legal help to duplicating your passport. The journey cover also compensates for any additional expenses if the flights are delayed for an extended period of time.

Motor insurance provides financial protection against physical damage caused due to natural calamities and any loss or damages in an unforeseen accident. Motor insurance policies can be purchased for private four-wheelers, commercial vehicles, two-wheelers, and other road vehicles. ​ Third-Party Insurance Cover ​ This type of cover protects the vehicle owner against any damages, death, or disability caused to a third person or property. It does not cover any damages caused to the policyholder’s vehicle. This type of cover is mandatory for all vehicles in India as per the Motor Vehicles Act, 1988. For instance, when driving a car, if the policyholder causes damage to any vehicle or property, then the insurance company will offer to cover the cost of the damages caused to the third party. In this case, the damages caused to the policyholder’s car will not be covered. Comprehensive Insurance Cover This optional cover offers widespread coverage. This type of insurance policy insures the policyholder against own damages as well as a third party damages. It also provides coverage against any damages caused to the policyholder’s vehicle due to man-made or natural calamities.

Home and property insurance covers losses to the structure and content of your home/ property due to natural and man-made calamities. Perils Cover: Aircraft damage Fire Lightning Riot, Strike Storm, cyclone, Flood Missile testing operations ​ Earthquake Cover ​ The policy offers coverage against loss or damage to any insured property due to an earthquake. However, many policies do not cover flood or overflow of sea, rivers and lakes due to earthquakes. Burglary and Theft Cover The contents of the home are also covered against burglary or theft. This type of property insurance coverage will also be extended to silver articles, jewellery, precious stones and other valuable items, provided these are kept in a locked safe within your home premises.

Health insurance is a type of insurance that provides coverage for medical and surgical expenses arising due to an illness. The coverage is offered in exchange of the premium paid by the insured. Policyholders can also avail tax benefits on premium as per the Income Tax Act, 1961. ​ Key Coverages Offered by Health Insurance Plans in India Hospitalisation Expenses - Health Insurance plans cover the medical expenses of getting admitted to a hospital for more than 24 hours. These expenses could include room rent, doctor’s fee, medicine cost, diagnostic test fees, etc. Pre & Post Hospitalisation Expenses -Most Health Insurance plans also cover the money spent on an illness before getting hospitalised and follow up treatment or tests. The pre-hospitalisation and post-hospitalisation expenses are covered up to a fixed number of days that differ from policy to policy. ICU Charges - A health insurance plan also covers the cost of availing treatment in an ICU during hospitalisation. Ambulance Cost - Health Insurance plans also cover the cost of ambulance services availed to reach the nearest hospital during a medical emergency. Cashless Treatments - All health insurance providers in India offer cashless treatment facilities at their network hospitals. You do not have to worry about arranging money to pay the hospital bills if you get admitted to a network hospital as it will be settled by your insurer directly with the hospital. This service is only available at the network hospitals of the insurer. A list of these hospitals is given in the policy documents. Day Care Procedures - It also covers the cost of availing day care treatments that require hospitalisation for less than 24 hours. These treatments may include cataract, dialysis, chemotherapy etc. ​ Pre-existing Diseases - The best health insurance policies also provide coverage for pre-existing diseases but after a specified period is over. Usually, pre-existing diseases are covered after a waiting period of 2 to 4 years. ​ AYUSH Treatment - It covers the cost of availing medical treatment through AYUSH school of medicines that includes Ayurveda, Unani, Homeopathy, Siddha and Yoga. Medical Check-ups - Most health insurance companies in India offer free preventive health check-up facilities to the insured at regular intervals depending on the policy’s terms and conditions.

Today, people spend a lot on purchasing smartphones and any issue with them can create a hole in the pocket. To overcome such problems, companies are now offering mobile insurance in India. Mobile insurance covers the cost of replacing or repairing your phone if it is stolen, lost or damaged due to any reason. What does Mobile Insurance Cover? Theft protection - Mobile insurance covers the cost of a new mobile in case a phone is stolen or lost. Accidental breakage protection - Mobile phones are quite expensive today and repair of any kind of breakage could be expensive. Mobile insurance will cover your phone for all such damages. Water or liquid damage cover - Any accidental damage to the phone due to water or other liquid is covered under mobile insurance. A mobile phone can also get damaged due to moisture or humidity and this is usually covered by the insurance. ​ Covers high repair cost - Any damage to expensive phones would lead to high repair costs. Mobile insurance can protect the policyholder against these huge amounts spent on phone repair.

A Posp is an insurance agent who has the authority to work at the grassroots level and offer their customers a multitude of options like never before. While normal insurance agents can only sell insurance policies of their own companies, a Posp can sell insurance products across companies and across insurance categories too, like term plans, life plans, health plans, and so on.

Embedded insurance refers to insurance products or coverage that are seamlessly integrated into the purchase of a non-insurance product or service. In other words, it is the integration of insurance products and services into other products and services that a customer might already use or buy. For example, when you buy a phone, you might also be offered an optional insurance policy that covers damage or theft of the phone. This is an example of embedded insurance. Similarly, when you purchase a flight ticket, you might also be offered travel insurance coverage as an add-on. Embedded insurance is typically designed to be convenient for customers and can provide an additional revenue stream for companies offering the non-insurance products or services. It can also help to increase the uptake of insurance products as customers may be more likely to purchase insurance when it is presented to them in a relevant and timely manner.

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