Kawach makes protection simple — transparent pricing, instant quotes, and claims paid in days, not months. Coverage designed around your family, your business, and your future.
Two licensed underwriters power every Kawach policy — one for life, one for health — both IRDAI-regulated and rated AAA for claim-paying ability.
The country's largest life insurer — underwriting Kawach term & whole-life plans with a 98.7% claim settlement ratio.
India's first standalone health insurer — powering cashless admission at 12,000+ network hospitals across the country.
From your first apartment to your family's future — policies designed to fit together, priced transparently, with one app and one dedicated advisor for life.
Term and whole-life plans that pay out within 48 hours — protecting the lifestyle, education, and future you've worked for. Guaranteed premiums, no medical tests up to ₹1 Cr.
Cashless admission at 12,000+ hospitals, unlimited telehealth, and a yearly preventive check-up included.
Structure, contents and natural-disaster cover — with guaranteed rebuild value, never depreciated.
Worldwide medical, flight delays, and lost luggage — issued instantly from your phone, valid in 180+ countries.
Liability, cyber, and business-interruption cover tailored for founders, studios, and growing teams.
Rental, commercial, and investment-property cover with landlord liability and loss-of-rent built in — designed for portfolios of any size.
Kawach began in 2001 with a single conviction: insurance should pay out when life hurts most, without the fine print fight. A quarter-century on, we're a team of 50 advisors, doctors and engineers building the insurer we always wished existed.
From a first-time parent in Lanka to a third-generation family business in Chowk, we design cover around real lives across Varanasi — not spreadsheets. Every policy is underwritten transparently, every claim is triaged by a human within 6 hours, and every premium is guaranteed in writing.
Premium coverage shouldn't feel like a compromise. Here's what makes Kawach the choice of discerning families and founders across the country.
Median settlement time, tracked publicly and guaranteed in your policy contract.
One human, one number, for life — not a call centre rotation.
No hidden loading, no agent commission opacity. See every rupee, always.
Premiums locked in at issue. Your rate doesn't rise because you aged.
Health and travel policies valid in 180+ countries — no paperwork abroad.
Unhappy in the first 60 days? Full refund, no questions, no fine print.
Life, health, home, travel — view, edit, claim from a single dashboard.
Registered since 2001. ISO 27001 and SOC 2 Type II certified.
Skip the paperwork marathon. Our process is built for how people actually shop — mobile-first, no jargon, and human when it counts.
A 90-second questionnaire. No medical docs required for quotes under ₹1 crore.
See three advisor-picked plans with transparent premiums, side-by-side.
Sign digitally, pay monthly or annually, and your policy is live the same day.
A few of the 500+ five-star reviews from families, founders and travellers who trusted Kawach with their protection.
"My father's hospitalisation was approved within six hours of admission. No forms, no back-and-forth. Kawach did what every insurer claims to do."
"Switched our studio to Kawach business cover last year. Transparent pricing, and when we had a water-damage claim, the payout was in our account in 72 hours."
"I've never felt like a policy number. My advisor Meera calls me every renewal to review my cover. It's the most human experience I've had with a financial service."
Tell us a little about you and we'll design a personalised protection plan — with pricing locked for 30 days and zero obligation.