# Bharatsure

> Full\-stack insurance distribution technology for group and embedded insurance in India

## At a glance

| Field | Value |
| --- | --- |
| Category | Distribution & Sales |
| Type | Solutions Provider |
| Region | APAC |
| Headquarters | Mumbai, India |
| Founded | 2021 |
| Stage | Growth |
| Employees | 51-200 |
| Funding | Seed |

## Overview

Bharatsure is a distribution and embedded insurance technology platform for brokers, agents, banks, fintechs, and employers distributing group insurance and health benefits in India. Operated by Safetynet Innovations Private Limited, the company provides modular technology infrastructure that enables partners to configure, price, and administer group insurance products without building proprietary systems. The platform integrates with insurers, third-party administrators (TPAs), and HRMS systems via APIs.

The core offering consists of an employee benefits distribution layer, an embedded insurance API suite, and claims management tools. Partners access white-labeled dashboards and mobile applications for policy management and claims tracking. The infrastructure supports automated underwriting and pricing configuration, enabling brokers and fintech platforms to distribute standardized insurance products at scale.

Bharatsure has raised approximately USD 3.25M across four seed rounds, with the most recent investment from Capital A in October 2024. The platform supports over 500 partner organizations and covers more than 200,000 individuals. Revenue doubled in FY25 and the company reached contribution margin breakeven (CM3) during that period.

## Products & services

### Employee Benefits as a Service

Technology and infrastructure that enables brokers and agents to distribute employee benefits and group insurance. Includes product configuration, operational management dashboards, and full servicing support.

**Key features:**

- Group insurance product distribution infrastructure
- White\-labeled broker and agent dashboards
- Claims servicing and operational management tools

*Target users:* Brokers, agents, employers

### Embedded Insurance API Suite

REST API platform enabling banks, fintechs, and third-party platforms to embed insurance and health products directly into their applications.

**Key features:**

- API\-first integration for third\-party platforms
- Rapid deployment with modular insurance product catalogue
- Revenue\-sharing model for fintech and banking partners

*Target users:* Banks, fintechs, digital platforms

### Claims Processing and Management

Mobile app and automation tooling for policy access, claims filing, and real-time claims status tracking.

**Key features:**

- Mobile\-first claims submission and tracking
- Real\-time status updates for claimants
- Integration with TPAs for claims adjudication

*Target users:* Employers, employees, brokers

### Pricing and Underwriting Tools

Infrastructure enabling partners to configure and price insurance products with automated underwriting and TPA integration.

**Key features:**

- Configurable pricing rules for group products
- Automated underwriting decision support
- TPA and insurer integration for seamless binding

*Target users:* Brokers, MGAs, carriers

## Category & focus

- Subcategories: Embedded Insurance, Employee Benefits Administration, Group Insurance Distribution
- Insurance verticals: Group Benefits, Health
- Target customers: Brokers, Agents/Agencies, Employers, TPAs

## Notable customers

- Battery Smart \(natural calamity insurance for EV battery\-swapping network\)

## Links

- Website: <https://bharatsure.com>
- Directory profile: <https://insurtechlist.com/companies/bharatsure/>
- Linkedin: <https://in.linkedin.com/company/bharatsure>

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*Last updated: 2026\-05\-17*