IRDAI Regulated Products

Complete Protection
for Every Stage of Life

Life, Term, Health, Motor — all insurance solutions in one place. Compare, choose, and secure your family's future with India's most trusted insurance partners and zero-hassle claims.

100% Claim Support
25+ Insurance Companies
Dedicated Advisor
IRDAI Compliant
❤️ Life Insurance ₹10L–₹50L 🛡️ Term Insurance ₹25L–₹2Cr+ 🏥 Health Insurance ₹3L–₹1Cr 🚗 Motor Insurance IDV Based IRDAI REGISTERED · 25+ INSURERS · ZERO HASSLE CLAIMS Backed by India's Top Insurance Companies
INSURANCE PRODUCTS

Choose the Right Coverage

From pure protection to comprehensive coverage — find the insurance plan that matches your life stage and financial goals.

LIFE INSURANCE

Life Insurance

Dual-purpose coverage that combines financial protection with long-term wealth creation. Your family gets secured and you build a savings corpus simultaneously.

  • Guaranteed death benefit to secure your family
  • Maturity benefits + loyalty bonuses
  • Tax benefits under Section 80C & 10(10D)
  • Flexible premium: monthly, quarterly, annual
  • Loan facility against policy value
From ₹500/mo
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TERM INSURANCE

Term Insurance

Highest coverage at the lowest cost. Pure risk protection that ensures your family's financial security in your absence — the smartest way to protect loved ones.

  • Cover up to ₹2 Crore & beyond
  • Critical illness & accidental death riders
  • Tax benefits under Section 80C & 80D
  • Income replacement payout option
  • Return of premium variant available
From ₹350/mo
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HEALTH INSURANCE

Health Insurance

Comprehensive medical coverage for you and your entire family. Cashless treatment at 10,000+ network hospitals — because medical emergencies should never drain your savings.

  • Cashless at 10,000+ network hospitals
  • Pre & post hospitalization (30–90 days)
  • No claim bonus up to 100% on renewal
  • OPD, daycare & maternity coverage
  • Tax benefits under Section 80D
From ₹450/mo
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MOTOR INSURANCE

Motor Insurance

Protect your vehicle from accidents, theft, natural calamities, and third-party liabilities. Mandatory by law — get the best policy with instant issuance.

  • Comprehensive & third-party options
  • Zero depreciation add-on available
  • 24x7 roadside assistance
  • Engine & gearbox protection
  • Instant policy issuance online
From ₹2,500/yr
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WHY ARTHONE

Why Thousands Trust ArthOne for Insurance

We don't just sell policies — we ensure you get the right coverage, the smoothest claims, and a lifetime advisory partner.

Unbiased Comparison

We compare 25+ insurance companies to find you the best plan at the lowest premium — no hidden commissions or preferred insurer bias.

100% Claim Assistance

Our dedicated claims team handles paperwork, coordinates with insurers, and follows up until your claim is fully settled.

Expert Advisory

Certified insurance advisors with 10+ years experience guide you through coverage selection, premium optimization, and tax planning.

Instant Policy Issuance

Get your policy document within minutes — completely digital, paperless process with e-KYC for faster turnaround.

Family-Centric Plans

Floater plans, individual plans, senior citizen plans — we find the perfect configuration to cover your entire family optimally.

Annual Review Service

Free annual policy review to ensure your coverage keeps pace with your growing income, family needs, and changing liabilities.

COMPARISON

Compare All Insurance Types

Side-by-side comparison to help you make an informed decision about which insurance product fits your needs.

Feature Life Insurance Term Insurance Health Insurance Motor Insurance
Primary Purpose Protection + Savings Pure Protection Medical Expenses Vehicle Protection
Starting Premium ₹500/month ₹350/month ₹450/month ₹2,500/year
Coverage Amount ₹10L – ₹50L ₹25L – ₹2Cr+ ₹3L – ₹1Cr IDV Based
Death Benefit
Maturity Benefit
Section 80C Benefit
Section 80D Benefit
Legally Mandatory
Best For Long-term savings Maximum risk cover Medical emergencies Vehicle owners
PROCESS

Get Insured in 4 Simple Steps

From consultation to policy in hand — we make it fast, simple, and completely hassle-free.

1

Share Your Needs

Tell us about your age, income, family size, and coverage expectations. Our advisor understands your specific situation.

2

Compare Plans

We compare plans across 25+ insurance companies and present you with the 3 best options matching your needs and budget.

3

Complete e-KYC

Digital KYC in under 5 minutes. Upload documents, sign digitally, and complete the process without leaving home.

4

Policy Issued Instantly

Your policy document is emailed instantly. Physical copy dispatched within 7 days. Coverage begins immediately.

PARTNER PROGRAM

Become an Insurance
POSP Partner

Join ArthOne's certified insurance distribution network. Earn attractive commissions on every policy sold — zero investment required, full IRDAI-approved training provided, and lifetime renewal income.

15–40%
1st Year Commission
5–15%
Renewal Commission
25+
Insurer Partners
  • Zero investment to start
  • IRDAI-certified training
  • Dedicated business manager
  • Digital sales tools & CRM
  • Lifetime renewal income
  • Weekly commission payout
  • Marketing support materials
  • All 4 insurance categories
Register as POSP Partner
₹ EARNINGS Life / Term 15–40% First Year Commission Health / Motor 5–15% Renewal Commission 25 Policies/Month ₹50K+ Monthly Potential Zero Investment FREE Join Today
TESTIMONIALS

Trusted by Thousands of Families

Real experiences from our policyholders and partners who trust ArthOne for their insurance needs.

★★★★★

"ArthOne helped me compare 12 term plans and I got ₹1 crore cover at just ₹680/month. The claim assistance when I needed it for my dad was outstanding — settled in 8 days."

RK
Rahul Khanna
IT Professional, Pune
★★★★★

"As a POSP partner, I earned ₹42,000 in my first month selling health insurance to my contacts. The training was excellent and my business manager is always available."

PM
Priya Mehta
POSP Partner, Mumbai
★★★★★

"Got my family floater health plan for ₹12,000/year covering all 4 members with ₹10L sum insured. The cashless claim for my wife's surgery was processed in under 4 hours!"

AS
Amit Sharma
Business Owner, Delhi
FAQ

Frequently Asked Questions

Everything you need to know about insurance products, claims, tax benefits, and our partner program.

What is the difference between Term and Life Insurance?
Term insurance provides pure protection for a specified period at very low premiums — no maturity benefit but maximum coverage. Life insurance (endowment/whole life) combines protection + savings, gives maturity and bonus benefits, but premiums are higher. If you want maximum coverage at minimum cost, choose Term. If you want both protection and wealth creation, choose Life Insurance.
How much life/term insurance cover do I actually need?
The standard rule is 10–15x your annual income. Factor in: (1) outstanding loans/liabilities, (2) children's future education + marriage costs, (3) spouse's retirement corpus, and (4) 10 years of family living expenses. Example: if you earn ₹12 LPA with a home loan of ₹30L and two kids, you need at least ₹1.5–2 crore coverage. Our advisors do a free needs analysis for you.
What does health insurance cover and what is excluded?
Covered: Inpatient hospitalization (room, ICU, surgery, doctor fees, medicines), pre-hospitalization (30–60 days), post-hospitalization (60–90 days), daycare procedures, ambulance charges, organ donor expenses, and critical illness riders. Usually excluded: Cosmetic surgery, dental treatment, fertility treatments, self-inflicted injuries, and pre-existing conditions during the waiting period (2–4 years). OPD coverage is available as an add-on in some plans.
Is motor insurance mandatory? What happens if I drive without it?
Yes — third-party motor insurance is mandatory under the Motor Vehicles Act 1988. Driving without valid insurance attracts a fine of ₹2,000 for the first offence and ₹4,000 for subsequent offences, plus potential imprisonment up to 3 months. Beyond legal compliance, we strongly recommend Comprehensive Insurance which also covers your own vehicle damage from accidents, theft, fire, and natural disasters.
What are the complete tax benefits on insurance premiums?
Section 80C: Deduction up to ₹1.5 lakh on life and term insurance premiums. Section 80D: Health insurance premiums deductible — ₹25,000 (self/spouse/children), additional ₹25,000 for parents, and ₹50,000 if parents are senior citizens (total up to ₹1 lakh). Section 10(10D): Maturity proceeds and death benefits from life insurance are completely tax-free. This makes insurance one of the most tax-efficient instruments available.
What is zero depreciation add-on in motor insurance?
In standard motor insurance, insurers deduct depreciation on replaced parts during claim settlement (plastic depreciates 50%, rubber 50%, metal 5–10% per year). Zero depreciation (also called bumper-to-bumper or nil depreciation) eliminates this deduction — you get the full replacement cost. It typically adds 15–20% to your premium but is highly recommended for cars under 5 years old where parts are expensive.
Can I buy health insurance for my senior citizen parents?
Yes. Dedicated senior citizen health plans are available for ages 60–80+ with sum insured up to ₹25 lakhs. Key points: premiums are higher due to age and health risk; pre-existing diseases typically have a 2–4 year waiting period; some policies include free health check-ups, domiciliary care, and OPD coverage. You can also claim an additional ₹50,000 deduction under Section 80D for parents' health insurance premiums.
How do I become a POSP Insurance Partner and how much can I earn?
Register at ArthOne, complete the free IRDAI-approved 15-hour online training, pass the certification exam, and you're ready to sell. Earnings: first-year commission is 15–40% of premium (Life/Term) and 5–15% (Health/Motor). On a ₹20,000 annual health premium, you earn ₹3,000–4,000 first year + renewal income every year the client renews. With 20 active clients, monthly income easily reaches ₹25,000–50,000. There's zero investment required.
How does the cashless hospitalization process work?
For planned hospitalization: inform your insurer 48–72 hours before admission, get pre-authorization, and the hospital settles bills directly with the insurer. For emergencies: get admitted first, then inform the insurer within 24 hours. The insurer sends a representative or processes the authorization digitally. You only pay non-covered items or co-payment if applicable. ArthOne's claims team assists you throughout to ensure smooth, hassle-free processing.
Is there a waiting period in health insurance?
Yes. Most health insurance policies have: (1) Initial waiting period: 30 days from policy start (except accidents); (2) Pre-existing disease (PED) waiting period: 2–4 years depending on the insurer; (3) Specific illness waiting period: 1–2 years for certain conditions like hernia, cataract, joint replacement. Accidents are typically covered from day 1. Buy early — the younger you are, the fewer pre-existing conditions, and the lower your premiums.

Ready to Secure Your Future?

Talk to our insurance experts today — get free quotes, unbiased advice, and the right coverage at the best price. No pressure, no hidden fees.