Health insurance is the easiest product to need and the hardest to sell.
₹1.17 lakh crore of premium, 58 crore lives covered (IRDAI FY25), and every RM still dreads the pitch.
In short: retail health insurance distribution is the sale and servicing of individual and family-floater policies through banks, brokers, agents and digital channels. DeployIT digitizes quoting, medical disclosures, underwriting, portability, renewals and claims on one IRDAI-compliant platform.
The five objections that kill the sale
Each one below is real, reasonable and survivable. Here is how the right platform dissolves them, in order.
“They're all the same, just show me the cheapest.”
How the sale survives
Comparison that explains, not just lists: waiting periods, room-rent caps, sub-limits and network strength in plain language, side by side across 20+ health carriers. The RM looks like an advisor, not a rate card.
“I'm not filling a 40-question medical form at a bank counter.”
How the sale survives
A conversational disclosure flow that adapts. Healthy 29-year-olds answer 6 questions; only flagged cases go deeper. 85% pass straight through to instant issuance. The underwriting journey.
“My uncle's claim got rejected. Why would mine be different?”
How the sale survives
Show, don't promise: the live claim tracker (cashless pre-auth status, network hospitals, 15+ TPAs) demonstrated at the point of sale. Claims transparency is the strongest closer in health. The claims tracker.
“I already have a policy from my old insurer.”
How the sale survives
Portability as a journey, not a hassle: a guided IRDAI portability flow carries waiting-period credits across. The objection becomes the conversion path.
“I'll renew later.”(They won't.)
How the sale survives
Renewal automation with premium-change explanations, top-up prompts at the moment of renewal, one-click payment. +12 points of persistency across deployments. Renewal automation.
The sale that follows the script
Frequently asked questions
Which insurers' health products are available?
How are PED cases handled?
Is portability really supported end to end?
Assisted and self-serve?
Bring us your hardest objection. We'll demo the answer.
Thirty minutes, your sales floor's real scripts, a working build.