IRDAI Direct Broker
Insurance Without Bias.
As an IRDAI-licensed Direct Broker, we represent you — not the insurer. Access 20+ insurers, compare policies, and get claims support at no extra cost.
All Lines Covered
Insurance Products
Term Life Insurance
Pure protection — up to ₹10 Cr cover
High-sum-assured term plans from 15+ life insurers. Online issuance, medical tele-consultation, and claim settlement ratio comparison across all insurers.
- Cover up to ₹10 Cr
- 30-year policy tenure
- Critical illness rider available
- Online issuance in 48 hrs
Health Insurance
Individual, family floater & super top-up
Comprehensive health covers with cashless hospitalisation across 10,000+ network hospitals. We compare deductibles, sub-limits, and restoration benefits across all plans.
- 10,000+ cashless hospitals
- No sub-limits on room rent
- Restoration benefit included
- Pre-existing disease cover from day 1 (select plans)
Motor Insurance
Comprehensive & third-party — instant policy
Comprehensive and third-party motor insurance for cars and two-wheelers. Instant policy issuance, zero-depreciation add-on, and cashless garage network.
- Instant policy issuance
- Zero-depreciation add-on
- Cashless garage network
- 24/7 roadside assistance
Travel Insurance
Single-trip, multi-trip & student plans
Worldwide travel insurance covering medical emergencies, trip cancellation, baggage loss, and flight delays. Schengen-compliant plans for European visa applications.
- Medical cover up to $500,000
- Schengen-compliant plans
- Student travel for 1–2 year stays
- Trip cancellation & baggage cover
NRI Insurance
FEMA-compliant — NRO/NRE premium payment
Life and health insurance specifically structured for NRIs. FEMA-compliant premium payment via NRO/NRE accounts, with repatriation of maturity and claim proceeds.
- NRO/NRE premium payment
- Repatriation of claim proceeds
- DTAA benefit on premium
- Video KYC from any country
Commercial Insurance
Fire, marine, liability & D&O covers
Comprehensive commercial insurance for businesses and HNI asset protection. Fire, marine cargo, public liability, professional indemnity, and Directors & Officers covers.
- Fire & property insurance
- Marine cargo & transit
- Directors & Officers (D&O)
- Professional indemnity
Our Advantage
Why a Direct Broker?
An agent represents the insurer. A Direct Broker represents you.
Unbiased Comparison
We compare policies across 20+ insurers on price, coverage, and claim settlement ratio — not commission.
Claims Advocacy
When you file a claim, we represent your interests — not the insurer's. We follow up until settlement.
IRDAI Regulated
As an IRDAI-licensed Direct Broker, we are legally bound to act in your best interest.
No Hidden Charges
Our advisory is free. We earn a regulated brokerage from the insurer — disclosed upfront.
Get Protected Today
Talk to an Insurance Advisor
Free advisory. Unbiased comparison. Claims support included.
Insurance is the subject matter of solicitation. John Thomas Fintech is an IRDAI-registered Direct Broker. Registration No. [IRDAI/DB/XXX/2024]. Please read the policy wordings carefully before purchasing. Tax benefits are subject to changes in tax laws.