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Six coverages · one dedicated advisor

Every plan we offer,
side by side.

Mix and match, or bundle everything into Kawach Shield 360 for a single premium. Every policy is guaranteed in writing, priced transparently, and underwritten in plain English.

Get a personalised quote Compare plans
6
Core coverages
48h
Claim settlement
₹399
Starting premium
Coverage · explore

Protection built for every chapter
of life.

Each policy is designed to stand alone or combine with the others. Click through for full terms, pricing tables, and the fine print in plain English.

Health insurance

Cashless admission at 12,000+ hospitals, unlimited telehealth, and a yearly preventive check-up included.

12,000+ hospitals

Home insurance

Structure, contents and natural-disaster cover — with guaranteed rebuild value, never depreciated.

Guaranteed rebuild

Travel insurance

Worldwide medical, flight delays, and lost luggage — issued instantly from your phone, valid in 180+ countries.

Issued in 60 seconds

Business insurance

Liability, cyber, and business-interruption cover tailored for founders, studios, and growing teams.

Cyber + liability

Property insurance for landlords & investors

Rental, commercial, and investment-property cover with landlord liability and loss-of-rent built in — designed for portfolios of any size.

₹5 Cr
max cover
12mo
loss of rent
0%
depreciation
Cover my property
NRI services · 12 countries

Protecting Indians, wherever life takes them.

Dedicated advisors for non-resident Indians in the US, UK, UAE, Canada, Australia, Singapore and beyond. Fully digital onboarding, dual-currency premiums, and family cover back home — so a move abroad never means starting from scratch.

🇺🇸 USA 🇬🇧 United Kingdom 🇦🇪 UAE 🇨🇦 Canada 🇦🇺 Australia 🇸🇬 Singapore 🇩🇪 Germany 🇸🇦 Saudi Arabia 🇳🇿 New Zealand 🇶🇦 Qatar 🇴🇲 Oman + more
Fully digital signing
Aadhaar eSign or passport-based KYC. No branch visit required.
Dual-currency premiums
Pay in USD, GBP, AED or INR — whichever is cleanest for your bank.
Family back home, covered
Cover your parents, spouse, or children in India under your policy.
Get an NRI quote Talk to Chairman's desk
Compare

All six plans,
one clean table.

Starting premiums shown are for a 30-year-old, non-smoker, in good health. Your final premium depends on your profile — locked for life once issued.

PlanMax coverClaim windowNetworkStarts at
Life
Term & whole-life
 ₹10 Cr 48 hours — ₹399/mo Quote
Health
Cashless nationwide
 ₹50 L 6 hours pre-auth 12,000+ hospitals ₹599/mo Quote
Home
Structure + contents
 ₹5 Cr 72 hours — ₹349/mo Quote
Travel
Instant digital
 $500k medical Instant digital 180+ countries ₹129/trip Quote
Business
Liability + cyber
 ₹25 Cr 5 days — ₹1,499/mo Quote
Property
Landlord + rent
 ₹5 Cr/unit 5 days 12 mo loss of rent ₹299/mo Quote
Why Kawach

The difference is in the details.

Premium coverage shouldn't feel like a compromise. Here's what makes Kawach the choice of discerning families and founders across the country.

Claims in 48 hours

Median settlement time, tracked publicly and guaranteed in your policy contract.

Dedicated advisor

One human, one number, for life — not a call centre rotation.

Transparent pricing

No hidden loading, no agent commission opacity. See every rupee, always.

Lifetime renewal

Premiums locked in at issue. Your rate doesn't rise because you aged.

FAQ

Common questions,
honest answers.

Don't see yours? Email lickawach@gmail.com or ask your advisor — we'll answer within the hour.

Do I need a medical test to get covered?
For life cover up to ₹1 crore, no medical test is required — just a short questionnaire. Above that threshold, we arrange a free at-home medical visit at a time that works for you.
How fast are claims actually paid?
Our median claim settlement in 2025 was 41 hours. We guarantee 48 hours in your policy — miss the promise and the year's premium is waived. Health pre-authorisation is faster: 6 hours, cashless.
Can I cancel a policy if I change my mind?
Every policy comes with a 60-day money-back guarantee. Cancel for any reason and we refund 100% — no fees, no deducted commission, no questions.
What happens if I miss a monthly premium?
You have a 30-day grace window during which your cover is still active. Your advisor will call on day 2 to see if everything's OK. If a genuine hardship arises, we can pause premiums for up to 6 months without lapsing.
Is my data safe?
Kawach is ISO 27001 and SOC 2 Type II certified. All personal data is encrypted at rest and in transit. We never sell, share, or monetise customer data — it's written into the master agreement.
Get started

Your first quote in
under 90 seconds.

Tell us a little about you and we'll design a personalised protection plan — with pricing locked for 30 days and zero obligation.

Start my quote Talk to an advisor
PlanKawach Shield 360
Life + Health₹3 Cr cover
Claim guarantee48 hours or it's free
Starting at₹1,499 / month
Money-back60 days, no questions