Insurance you already have, finally explained.
Kavaach is an independent policy review service in Delhi. Share any policy, personal or business, and a real person tells you what it covers, where the gaps are, and what your options are. Then you decide.
Complimentary review. No obligation. You always decide.
Both sides of the desk, the same blind spot
Kavaach was founded by Sumit Mittal, who spent 15+ years in banking sitting on both sides of the desk: advising individual and private banking clients, and separately, corporate and institutional clients. He saw the same blind spot on both sides: insurance gets bought once, around a big moment, and almost nobody comes back to check if it still fits. That's the gap Kavaach exists to close, for a family and for a business alike.
Read the full storyWhat a review is, and isn't
A review is a second opinion on the policy you already hold: what it covers, what it excludes, and whether it still fits. It is not a sales pitch, and it never ends with pressure to buy, switch or cancel.
Kavaach is not an insurer, broker or agent.
26,000+mis-selling complaints in life insurance in a single year
And more than 1.2 lakh claims-related grievances across life and health insurance, per IRDAI's Annual Report for 2024-25. Most of those policies were fine on paper. They just weren't read after the day they were bought.
- A review catches the clauses that only show up at claim time: room-rent caps, sub-limits, waiting periods, wrong nominees, under-declared values.
- It's complimentary, it's independent of any insurer, and nothing changes unless you choose to act.
Source: IRDAI Annual Report 2024-25. Read our guide to what the numbers mean.
For a family, and for a business
Individual insurance
Health, motor, term or life, and travel. The policies you bought around a big moment and haven't opened since.
- Is the cover still enough for the people on it?
- What would a real claim actually pay?
- What's the one thing to fix before renewal?
Business insurance
Group health, fire and property, marine or cargo, liability, group term life, and D&O. Usually bought for a lender, a client or an investor, and rarely revisited.
- Does the sum insured still match the business?
- Does the policy meet what your contracts require?
- What's driving this year's renewal quote?
Four steps, one conversation
Share
Send your policy on WhatsApp, as a PDF or a photo of the schedule.
Review
A Kavaach Saathi reads it against what you actually need, line by line.
Insights
You get the gaps, the fine print and the options, explained in plain language.
Decide
Keep it, fix it, add to it or compare. The decision is always yours.
Prefer to do it on your own? There's a portal for that.
On insurance.kavaach.in you enter your mobile number, verify with an OTP, and land on a comparison dashboard where you can compare and buy motor, health and other policies yourself, at your own pace.
Open insurance.kavaach.inPolicies are issued by the respective insurer and placed through a licensed IRDAI-registered insurance broker. No guarantee of premium, savings or approval.
Same standard, either way
Whether you talk to a Saathi or use the portal, the framing is the same: no urgency, no pressure, and a decision that stays yours. If you start on the portal and want a human opinion halfway through, the WhatsApp button is always there.
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Kavaach is independent. We review policies from any insurer, including these and others.
Names are shown for information only and do not imply endorsement, appointment or exclusive association.
What makes a review worth your time
Independent
We're not an insurer, broker or agent. We review any policy from any insurer, and we have no reason to prefer one over another.
Human, on WhatsApp
A Kavaach Saathi is a real person you can ask real questions. No bots pretending to be advisors, no call centre scripts.
Complimentary, no obligation
The review costs nothing and commits you to nothing. Most end with 'keep it, fix one thing'.
You always decide
We explain. You choose. Whether that's keeping, fixing, adding or comparing, the call is yours and only yours.
"We built Kavaach to be the 'after' in insurance: the person who's still there once the policy's been sold."
Team Kavaach
Start with a conversation, or start on your own
Either way, it's complimentary, there's no obligation, and the decision is always yours.
Complimentary review. No obligation. You always decide.