About PolicyMitra
PolicyMitra is a Kerala-based health-insurance advisory service that helps individuals and families choose the right cover — with clarity, honesty, and the guidance of a real advisor you can call.
Who we are
PolicyMitra is an independent, advisor-led health-insurance comparison service based in Kerala. We are not owned by, or exclusively tied to, any insurance company. Our role is straightforward: to stand on your side of the table, translate complex policies into plain language, and help you make a confident, well-informed decision — and then stay with you when it matters most, at claim time.
Our mission
In Kerala, health insurance is too often bought under pressure and understood too late. Policies are dense with jargon — waiting periods, sub-limits, co-pay, room-rent caps — and a policy's real value only shows at the hospital counter, when a claim is either paid or rejected. We exist to prevent that unpleasant surprise. Our mission is to make health insurance transparent, understandable, and trustworthy for every family in Kerala.
What we do
- Personalised matching — we recommend suitable policies based on your age, family, location, and any pre-existing conditions.
- Plain-language clarity — every plan's real terms explained simply in Malayalam and English, not insurer marketing.
- Local cashless network — we show how many cashless hospitals each insurer has in your district.
- Expert, free guidance — a licensed advisor confirms your exact premium and helps you purchase, at no cost to you.
- Lifelong claim support — we don't disappear after the sale; we assist and advocate for you when you need to claim.
Our approach — honest by design
Our comparisons are built from insurers' official Customer Information Sheets and the IRDAI Master Circular on Health Insurance — not guesswork or aggregator hype. Our recommendations follow fixed, transparent rules and are never swayed by which insurer pays the highest commission. We deliberately curate a focused set of trustworthy insurers with strong claim records, rather than overwhelming you with every product on the market — because a cheap policy that rejects your claim helps no one. You can see exactly how we rank plans on our How we compare page.
Why families choose PolicyMitra
- Independent and unbiased — we work for you, not the insurer.
- Real human advisors, not a faceless call centre.
- Kerala-first — local networks, local language, local support.
- Transparent pricing and honest, jargon-free explanations.