Read the fine print first
The clauses most likely to matter in a claim are discussed before price.
Why MITRA
Don't judge us by the day you buy. Judge us by the day you claim.
Most insurance platforms are built around the transaction. MITRA is built around what happens for years after it.
80,000+Families protected
25,000+Claims settled
5★Customer rating on Google
30+Insurance partners
98%Claims resolution rate
The problem, named
Buying is easy. Being left alone is expensive.
A comparison table cannot coordinate a hospital desk, repair a broken claim file or explain an insurer's deduction. The relationship should become more useful after purchase, not disappear.
The inversion
We design the advice backwards from claim day
Recommend a shortlist
A few right-fit plans, with downsides stated in the same breath as benefits.
Stay accountable
One named claim expert owns the process, free through every renewal.
The whole lifecycle
The relationship gets more useful after purchase
- 01
Understand
An advisor starts with family, work, existing policies, health, liabilities and what would create the largest financial gap.
- 02
Shortlist
Plans are compared across claim-time terms, not only premium or a single headline metric.
- 03
Apply correctly
Medical, lifestyle, income and existing-policy details are checked so the future claim starts with an accurate record.
- 04
Service and review
Renewals, additions, policy questions and changing needs stay connected to one advisory relationship.
- 05
Claim
A named expert verifies coverage, builds the file, coordinates participants and explains the insurer's decision.
Every year after
Support that doesn't expire with the sale
Everything you hold with us lives in one place - the MITRA app, yours the moment you become a customer, free for as long as you're covered.
- Renewal reviews so waiting-period credit is never lost
- Sum-insured health checks as your life changes
- Portability guidance if a better plan emerges
- Claims support included free, for the life of the policy
- Track every claim live - each step your expert takes, updated as it happens
- All your policies in one place - across health, life, home, cyber and every insurer
- Member benefits - curated wellness offers, plus discounted gift cards across 400+ brands
Compare the alternatives
The difference is what happens after the transaction
| MITRA | Comparison marketplace | Direct insurer route | Traditional agent | |
|---|---|---|---|---|
| Advice | Shortlist built around fit | Large catalogue and filters | Only that insurer's products | Depends on the individual |
| Trade-offs | Explained before purchase | Often left to the buyer | Product-specific | Variable |
| Claims | Named expert coordinates end to end | Often routed to service support | Insurer manages its own process | Depends on individual capacity |
| Incentive transparency | Standard regulated commission explained | Commercial model varies | Direct distribution | Standard regulated commission |
| When it fits | Buyer wants advice plus long-term support | Buyer wants to browse widely alone | Buyer already knows the exact insurer and product | Buyer has a proven long-term advisor |
How we earn
No hidden fee, no mystery incentive
Premiums are identical across distribution routes. MITRA earns the standard regulated commission from the insurer when a policy is issued. Advice and claims support do not add to your premium.
An honest fit check
MITRA is useful when you want advice to survive the sale
It fits when
You want a small, explained shortlist; you value claim-time wording over discounts; you want existing cover reviewed honestly; or you want one accountable relationship through renewal and claim.
Another route may fit when
You already understand the wording, know the exact insurer and plan you want, and prefer to manage servicing and claims directly.
Questions
Questions about MITRA
Straight answers, in plain English.
Is MITRA's advice really free?
Yes. MITRA earns the standard regulated commission from the insurer when an eligible policy is issued. Advice and claims support do not add to the premium.
Do premiums cost more through MITRA?
No. The premium for the same insurer product and customer profile is not increased to fund MITRA's advisory or claim support.
Are you owned by an insurer?
No. MITRA works across leading insurers and is not owned by one insurer, which allows the recommendation to start from fit rather than one product shelf.
Can you review insurance I already have?
Yes. The answer may be to keep it, supplement it or consider a careful switch at the appropriate time. A change is not useful merely because it creates a new sale.
What happens if a claim is rejected?
The decision is read against the policy and evidence. Where valid grounds exist, the file can be corrected or escalated. When the claim is genuinely outside the contract, that is explained honestly.
What does claims support include?
A dedicated claim expert prepares and verifies your documents, coordinates with the hospital, insurer or TPA, resolves queries, and explains the final settlement in plain language. It is included for policies bought or ported through MITRA.
Can MITRA guarantee that my claim will be paid?
No intermediary can decide or guarantee a claim outcome. The insurer decides based on policy wording and the facts of the claim. MITRA makes sure your file is complete, follows up, contests unsupported deductions and escalates when valid grounds exist.
Keep exploring
See the model from both sides
Free · Unbiased · No pressure
Experience insurance as an advisory
Start with a free, zero-pressure conversation.
