New Delhi, April 20 -- A personal crisis in 2012 gave Ankit Agarwal a real understanding of the insurance he had bought. What had been packaged as a comprehensive policy had a hidden clause in it.

A deep dive into the insurance ecosystem made him realise that it was opaque and difficult to navigate even for informed consumers. And away from the metros, it was largely inaccessible.

"Trust was low, local guidance was limited and transparency around products and claims was minimal. The issue wasn't lack of intent or need, but the absence of a system built on clarity, accountability and last-mile support," says Gurugram-based Agarwal, 40, co-founder & CEO of InsuranceDekho.

Launched in 2019, InsuranceDekho makes efficient use of its AI-ena...