Why choose Turtlemint

Turtlemint lets you compare insurance plans of leading insurance companies. You can buy the best insurance plans at the cheapest prices in just a few clicks without any paperwork. As your insurance broker, we strive to offer you the best possible insurance experience.
Fooled, no more!
Making you insurance smart with simple explanations and unbiased advice.
Tell us about your needs and we’ll recommend you the best match plans.
100% claims support
You can count on us for any service needs.
how Turtlemint can ease your insurance buying experience

30+ Million
Quotes Compared
Policies Bought
15+ Crores
Claims Processed

Car insurance

Buy a car insurance policy to secure yourself against expensive-to-fix damages and third-party liabilities.

Bike insurance

The Motor Vehicles Act, 1988 mandates a valid two-wheeler insurance policy on your bike. Have you insured your bike yet?

Health insurance

Meet the extreme medical costs with the help of a health insurance plan and secure your finances

Life insurance

Give your family the gift of financial security through our range of life insurance solutions designed especially for you

How we help to compare and buy insurance

We are tied up with all the leading life insurance and general insurance companies to bring you the best insurance products available in the market. With us, you can -

  • Find the most suitable policy which fulfills your insurance needs
  • Ensure that you get a policy with comprehensive coverage features while saving on the premium costs
  • Buy life, health or motor insurance policies at a single platform
  • Get complete assistance and guidance from a team of expert insurance advisors
  • Get support and assistance at the time of a claim. In case of a claim just give us a call and you would not have to worry about anything else. We would coordinate your claim with the insurance company and help you get a quick settlement


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An insurance policy protects you against financial losses. As such, the policy becomes necessary. If you have a car or a bike, buying a motor insurance policy is mandatory as per law. Even in case of life insurance, the security given by a life insurance policy is unparalleled which makes the policy a must buy. When it comes to health insurance, one cannot ignore the high medical costs which are associated with a health ailment. Having a health insurance policy, therefore, makes sense to protect against the financial implication of any medical emergency.

Life insurance plans cover the risk of dying too early. Health insurance plans, on the other hand, cover the risk of medical contingencies. While life insurance plans pay a benefit in case of death or maturity, health insurance plans pay a benefit if the insured suffers a medical contingency which is covered by the plan.

Premium is the cost of insurance. It is the money which you undertake to pay to the insurance company in return for the coverage which the company provides.

Different insurance plans have a different coverage tenure. The tenures of various plans include the following -

  • Life insurance - 5 years to 35 years
  • Health insurance - 1 year to 3 years
  • Bike insurance - third party plans - 1 year to 5 years; comprehensive plans - 1 year to 3 years or 5 years
  • Car insurance - third party plans - 1 year to 3 years, comprehensive plans - 1 year or 3 years

You can buy insurance online or offline. The offline medium includes contacting the agent or distributor of insurance companies or visiting insurance companies physically to buy the policy. The online medium, on the other hand, is simpler. You can buy any type of insurance plan from the comfort of your home or office if you use the online mode. The policy can be bought from the website of the insurance company directly or from the website of an insurance broker or aggregator like us.

Insurance policies can be purchased online after comparing the different policies and then choosing the best one. After the policy is chosen you need to fill an online proposal form, submit the required documents and pay the premium online and the policy is issued.

There are a lot of insurance policies available in the market each of which satisfy similar needs and yet have different coverage benefits and premium rates. The best insurance policy which provides the best coverage features at the lowest premium rates can be found only when the different plans are compared with each other. That is why comparing is necessary before buying insurance policies.

A claim is said to occur when the insured event happens and the insurance company becomes liable to pay the compensation for the financial loss suffered by the insured.

Yes, insurance claims can be rejected due to various reasons. Some common ones include the following -

  • If the claim is for an instance which is excluded under the plan’s coverage
  • If the claim process is not properly followed
  • If the claim is made in a policy which is lapsed
  • If the claim related documents are not submitted to the insurance company

Insurance policies come with a specified tenure. When the tenure is over, the cover provided by the policy stops. To continue the coverage, the policy is required to be renewed. Thus, renewal of an insurance policy means continuing the coverage of the policy for an additional tenure by paying the required renewal premium to the insurance company.

Renewal of an insurance policy should be done within the policy expiry date (also called the policy due date). If it is done within the due date, the policy continues without a break in coverage.

If the insurance policy is not renewed within the due date, the policy cover would lapse as soon as the due date is over. When the policy lapses, the cover stops. If any claim is made in a lapsed policy, it is rejected as the coverage under the policy has stopped due to non-renewal.

Premiums can be paid through cash, cheque, debit cards, credit cards, net banking facilities and also mobile wallets.

Life insurance plans come in the following variants -

  • Term life plans
  • Endowment plans
  • Money back plans
  • Whole life plans
  • Child plans
  • Unit linked insurance plans
  • Pension plans

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Health insurance plans come in the following variants -

  • Indemnity health plans - individual health plans and family floater health plans
  • Senior citizen health plans
  • Critical illness health plans
  • Disease specific health plans
  • Hospital cash health plans
  • Top up and super top-up health plans

Click here to read more

Yes, life and health insurance plans provide tax benefits. These benefits are explained below -

Life insurance plans -
  • Premiums paid for life insurance policies qualify for tax deduction under Section 80C upto a limit of INR 1.5 lakhs
  • Surrender benefit, maturity benefit or death benefit received under life insurance plans are tax-free under Section 10 (10D)
  • 1/3rd of the pension corpus which is withdrawn in cash is tax-free under Section 10 (10A)
Health insurance plans
  • Premiums paid for a health insurance plan for self, spouse and dependent children is allowed as a tax deduction under Section 80D. The limit is INR 25, 000. If you are a senior citizen, the limit increases to INR 50, 000
  • Premiums paid for health insurance plan for dependent parents earns an additional tax deduction under Section 80D. This limit is also INR 25, 000 which increases to INR 50, 000 if the parents are senior citizens.

Yes, insurance policies allow a free-look period for cancellation of the policy after it has been bought. The period depends on the type of policy bought and the insurance company.

If the insurance policy is cancelled during the free-look period, the premium paid is refunded back. However, the premium refund would be deducted for the administrative expenses incurred by the insurance company in issuing the insurance policy. Moreover, the insurance cost would also be deducted for the period the policy was in force before it was cancelled.

A group insurance policy is one in which a group of individuals are covered under the same plan. A single insurance policy is issued covering all the members of the group and the policy is called a master policy. Group insurance plans usually come with a term of one year after which they have to be renewed for continued coverage.

An insurance contract is a contract of utmost good faith. As per this principle, the policyholder is required to furnish all the important details about himself which are asked in the proposal form. The insurance company issues the policy on the good faith that the insured has provided every information in the proposal form correctly. If any important information, which affects the risk covered under the policy, is hidden or lied about, the principle of utmost good faith is breached. In such cases, the insurance contract becomes void and the insurance company has the right to reject the claim under the policy.

General insurance policies pay a claim on the principle of indemnity. Indemnity means that in case of a loss the policyholder would be compensated by the insurance company for the actual financial loss suffered. The policyholder would not be allowed to make a profit from the insurance policy.

The coverage level of your insurance policies should be optimum to cover the financial loss which is insured by the policy. In life and health insurance plans, the coverage level should be chosen based on the lifestyle expenses of the insured, the family size, age, income, etc. In case of car and bike insurance policies, the coverage depends on the value of the car and bike.

No, insurance policies have a list of excluded coverage benefits which are not covered under the plan. These exclusions depend on the type of insurance policy.

No, if the insurance policies are bought from reputed websites which are under the regulations of the IRDA, the policies would be genuine and would be issued by the insurance company directly.

IRDA stands for the Insurance Regulatory and development Authority. It is the apex regulatory body of insurance in India. All insurance companies have to comply with the rules prescribed by the IRDA for selling their insurance policies.