Apex Life (Demo)
SecureLife Plus
₹8,240 / year
- Critical illness rider available
- Accidental death benefit option
- Premium waiver on disability (rider)
- Free look period 15–30 days
Compare · Decide · Protect
Compare insurance plans the clear way
Filter term, health, motor and travel — then place up to three sample plans side by side before you talk to an advisor.
Live quote APIEnter profile · fetch · compare up to 3
12k+
Plans compared (demo)
4
Premium categories
3
Plans per compare
24h
Quote callback target
Policy compare API
Get quotes, then compare
Enter a profile and fetch plans from the quote API. With partner keys configured, results come from your live insurer / aggregator integration; otherwise the sandbox engine returns profile-based illustrations.
Ready
Submit a profile to load API quotes.
Horizon Life (Demo)
ShieldMax Term
₹7,450 / year
- Pure protection, no maturity benefit
- Optional accidental cover
- Online medical scheduling
- Nominee change via app (demo)
Bharat Assure (Demo)
FamilyGuard Term
₹9,180 / year
- Income replacement payout option
- Return-of-premium variant available
- Spouse cover add-on
- Dedicated claim concierge (demo)
CareNest Health (Demo)
CarePlus Family Floater
₹14,800 / year
- No claim bonus up to 50%
- Restore benefit once per year
- Maternity waiting 24 months
- AYUSH treatment covered
MediShield India (Demo)
MediShield Comprehensive
₹16,200 / year
- Unlimited restore (conditions apply)
- Consumables cover add-on
- Health check once every 2 years
- Day-care procedures listed
Summit Health (Demo)
HealthInfinity Super Top-up
₹4,260 / year
- High cover at low incremental premium
- Aggregate deductible ₹5 Lakh
- Worldwide emergency (limited)
- Ideal second layer for metros
DriveSafe General (Demo)
DriveSafe Comprehensive
₹18,400 / year
- Own damage + third party
- Personal accident cover ₹15L
- Engine protect add-on optional
- RSA 24×7 included
RoadGuard (Demo)
RoadGuard Zero Dep
₹22,100 / year
- Zero depreciation claim
- Consumable cover
- NCB protect add-on
- Return-to-invoice optional
CityMotor (Demo)
CityMotor OD + TP
₹12,850 / year
- Compulsory TP included
- Basic OD cover
- RSA optional
- Good for low-kilometre use
GlobeTrip Assist (Demo)
Asia Explorer Medical
₹1,890 / trip
- Medical evacuation
- Trip delay & baggage
- Passport loss assistance
- COVID hospitalisation rider*
Voyage Shield (Demo)
Annual Multi-Trip World
₹9,750 / year
- Worldwide excl. restricted nations
- Business equipment add-on
- Cancel-for-any-reason optional
- Family floater travel variant
Horizon Life (Demo)
Horizon Growth ULIP
₹12,000 / month
- Market-linked returns — not guaranteed
- Partial withdrawal after lock-in
- Fund switch options
- Charges disclosed in brochure
| Feature |
|---|
Look past the sticker premium
Cheapest term is fine only if claim support, exclusions and rider fit still work for your family.
Match health to city costs
Metro hospital inflation often makes a floater + super top-up smarter than one oversized base plan.
Verify before you pay
Sample cards are educational. Final premium needs age, PIN code, medicals and insurer underwriting.
Live mode requires partner API credentials in POLICY_API_* env vars. Sandbox mode returns formula-based premiums that change with age, city and cover — not underwritten insurer quotes.
About
Why families use PolicyWise Advisors
PolicyWise Compare (Demo) is a fictional insurance advisory brand built to showcase a premium compare desk. Replace sample IRDAI / contact credentials before go-live. Premiums and claim figures on this site are educational illustrations for a standard profile — not live quotes or personalised advice.
Compare before the sales call
Shortlist three plans in writing — then talk riders and medicals.
Illustrations labelled clearly
Every premium on this demo is a sample for a stated profile.
Human quote desk
Forms reach a named advisor — not a dark-pattern funnel.
Renewal hygiene
We remind NCB, IDV and floater top-ups before they lapse.
Services
Advisory desk beyond the compare screen
After you shortlist, we help with documentation, rider choices and renewal hygiene.
Term life comparison
Income-replacement sizing across sample term plans — cover, riders and premium trade-offs in writing.
Health floater review
Family floater vs top-up structure matched to city hospital costs and waiting periods.
Motor renewals
IDV, zero-dep and NCB explained before you renew comprehensive cover.
Travel & overseas medical
Trip duration, Schengen wording and COVID-era clauses checked against itinerary.
Claim desk support
Document checklist and insurer follow-up guidance when a claim is filed.
Annual cover audit
Once a year we re-check sum assured, nominees and overlapping floaters.
Product lanes
Premium categories we place often
Term life
Pure protection plans sized to income, dependents and outstanding loans.
Health insurance
Individual, family floater and super top-up layers for metro hospital costs.
Motor insurance
Comprehensive, zero-dep and third-party options with NCB protection cues.
Travel insurance
Single-trip and annual multi-trip medical cover for leisure and work travel.
Investment-linked (illustration)
ULIP / endowment conversations labelled clearly as long-horizon products — not compare-first.
Group & SME
Employee health and keyman-style conversations for small business owners.
How it works
From shortlist to issued policy
Pick a category
Term, health, motor or travel — start with the need, not the brand.
Shortlist three
Add plans to compare and open the side-by-side desk.
Request a live quote
Share age, city and medical notes — we fetch real insurer options.
Issue & review
Proposal, medicals if needed, then an annual cover audit.
Planning tools
Size cover before you compare premiums
Illustrative calculators help you estimate term need, SIP capacity and EMI before talking quotes.
Team
People behind the quotes
Ananya Deshmukh
Principal Advisor (Demo)
Term and health shortlists for salaried families in metro and tier-2 cities.
Vikram Sethi
Motor & Travel Desk (Demo)
Renewals, IDV hygiene and overseas medical wording checks.
Neha Kapoor
Client Success (Demo)
Proposal forms, medical scheduling and nominee documentation.
Clients
What compare clarity feels like
"Finally saw term premiums and claim settlement side by side — not just the cheapest sticker price."
Rahul Mehta · Gurugram
"Health floater vs top-up made sense after the compare table. We bought the top-up the same week."
Sneha Iyer · Bengaluru
"Motor renewal call used the same desk layout — NCB and zero-dep were clear before we paid."
Amit Pawar · Pune
Testimonials on this demo are illustrative sample quotes.
Insights
Guides before you lock a plan
What “claim settlement ratio” actually tells you
A high ratio helps — but exclusions, waiting periods and hospital networks still matter more.
Term cover: income multiple vs loan payoff
A calm way to size ₹1 Cr vs ₹2 Cr before you open three plan cards.
When a health top-up beats raising the floater
City hospital inflation often makes a deductible top-up the smarter second layer.
FAQs
Common compare questions
Are these live insurer quotes?
No. PolicyWise Compare is a demo template with fictional insurer names and illustrative premiums for a standard sample profile. Live quotes depend on age, city, medical underwriting and insurer rules.
Can clients compare more than three plans?
The public compare desk shortlists up to three plans at a time — the same habit used on leading Indian aggregators. Your advisor can run a wider desk review on a call.
Who is this Premium theme for?
IRDAI-aware insurance advisors and brokers who want a Policybazaar-style compare experience on their own branded site.
Do I need an API to insurers?
Not for this template. Sample catalog data lives in your database. Replace it with your own plan cards or wire a partner API later if you choose.
Is PolicyWise a real brokerage?
No. This is a fictional demo brand. Replace ARN / IRDAI / contact fields before publishing.
Important notice
Insurance products are subject to the terms, conditions and exclusions of the respective insurers. Illustrations on this site are not advice, offers or guarantees. Read the policy wording carefully before purchase.
Get a quote
Tell us what you want to compare
Share age, city and cover need — an advisor from PolicyWise Advisors will respond with shortlisted options.
Map preview for demo — replace with your verified location before go-live.
Request a comparison call
Mention term, health or motor — we will bring sample options to the call.
