Pattern 01
Protect the EMI
18-30%typical attach on lending journeys
- Context
- Digital lending
- Trigger
- Sanction
- Product
- Credit life plus a job-loss rider
- Why
- The borrower just visualized worst-case scenarios.
Six places insurance belongs that aren't an insurance website
Browse the patterns. Each one is live somewhere in India today, and launchable on DeployIT in weeks.
In short: embedded insurance is the distribution of insurance inside another product's journey (a loan, purchase or salary account) under IRDAI frameworks, typically via APIs. The global market grows from $18.1B in 2026 to $68.1B by 2031 (Mordor Intelligence).
The pattern gallery
Pattern 02
Protect the thing in the cart
3-6%typical attach at checkout
- Context
- Electronics checkout
- Trigger
- Add-to-cart above ₹10k
- Product
- Damage and theft cover, sachet-priced (₹49 to ₹499)
- Why
- Loss aversion peaks at purchase.
Pattern 03
The salary-day safety net
- Context
- Payroll and gig platforms
- Trigger
- Onboarding or first payout
- Product
- Hospicash plus group personal accident
- Why
- Income protection sells when income starts.
Pattern 04
Covered before boarding
- Context
- Travel OTA
- Trigger
- Booking confirmation
- Product
- Trip plus accident cover
- Why
- Dates, destination and risk are all known, so pricing is instant.
Pattern 05
The wallet upgrade
- Context
- Payments and super-apps
- Trigger
- KYC-complete user with a recurring balance
- Product
- Micro-health and cyber cover
- Why
- Trust and a payment instrument are already in place.
Pattern 06
Renewal where they already are
- Context
- Any logged-in base
- Trigger
- D-30 before expiry (your policies or ported ones)
- Product
- Renewal plus top-up
- Why
- The highest-intent insurance moment that exists.
Every pattern compiles to the same four calls
triggerofferconsentissue
Then in-app servicing: renewals, endorsements and claims without leaving your product. Behind the calls sit 35+ insurer integrations on one API. Engineers can continue to the fintech build notes.
The compliance footnote
All six patterns run under IRDAI distribution frameworks. Disclosures, consent logs and grievance paths are part of the components, not your roadmap. How compliance is built in.
Frequently asked questions
Is embedded insurance legal in India?
Yes, under IRDAI frameworks (corporate agency, broking, ISNP), with mandated disclosures enforced in the components.
Which pattern should we start with?
The one nearest your highest-intent event: lending platforms start with Pattern 01, commerce with Pattern 02.
What attach rates are realistic?
18-30% on lending and 3-6% on commerce for well-designed implementations.
How fast can a pattern go live?
SDK routes go live in 3-4 weeks; full API builds in 6-8 weeks.
Which pattern fits your journey? Let's map it.
Bring the journey you already run. We'll show the pattern, the product and the numbers on a working build.