Group health & employee benefits, from a broker that answers only to you — one that audits every claim before the insurer ever sees it.
20 minutes, no obligation — leave with an honest read on your cover.
Protect for claims. Rise for everyday benefits. Hub to run it all.
a warm, human face — teak-framed
warm, human — teak-framed (teal never touches a face)Trusted by 750+ companies
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The policy was bought. The premium was paid. Then a claim comes back “under process,” the hold music starts — and the system you trusted goes quiet. That’s the moment this industry is tested. And the moment most of it disappears.
Sound familiar?
“Someone’s parent is in the ICU, and the call comes to me — on a Sunday.”
“Upstairs wants to know why premiums jumped; downstairs thinks we bought a cheap policy. Both are looking at me.”
“I started this to look after people. I didn’t start it to argue with a TPA.”
“Good people check the benefits before they join. I want us to be the reason they stay.”
Different chairs. The same thing missing — someone who picks up, and stays.
Whether someone picks up comes down to one earlier decision — who you chose. And it usually looks like a choice between two.
Swipe to compare →
Scale and benchmarks.
Slick and effortless.
The third option
Independent, claim-first.
That’s Ethika: independent, answerable to no insurer and no investor, with a team that reaches the claim before the insurer does. Under IRDAI’s regulations, a broker’s duty is to the client — to you. Being on your side isn’t a line we wrote; it’s the licence we hold.
How Ethika works
We find the exclusions, sub-limits, claim friction and gaps — before they decide a real bill.
Protect — group insurance and claim defence. Rise — the everyday benefits people actually use.
Hub — one app for your team, one dashboard for HR, with a real team behind every claim.
Want us to stress-test your current cover? See where it falls short →
Until a claim tests them. A policy can pass every renewal review and still be missing the things that decide a real bill. None of it shows until someone needs it.
We design cover to close those gaps — and we’ll stress-test yours against what good looks like.
It looks complete. But does it cover…
Closing those gaps is exactly what Protect and Rise are for — two jobs, both run on one platform, Ethika Hub. Here’s how each works, starting with the one that matters most when everything is on the line.
The hard part of insurance was never buying it. It’s the day a claim is “under process,” the portal won’t load, and a frightened family is told to wait. Protect is built for that moment: when a claim is filed, it comes to Ethika’s own claims team — Red Carpet — first, so gaps and errors are caught on your side of the table before the insurer or TPA decides.
It comes to Ethika first — before the insurer or TPA.
We read the file line by line and find the gaps.
Errors are caught on your side of the table, not after a rejection.
A real person stays with them until it’s settled.
Most of the families we’ve helped through a claim couldn’t tell you the name of their TPA. They never had to. We dealt with them.
This is Red Carpet — the team at the heart of Protect. 15,000+ claims supported just last year.
A knee-replacement claim was approved — minus 75%.
A “reasonable and customary” clause — the surgery looked costly next to nearby ones, so they cut the number.
A Modern Treatments clause with no sub-limits — negotiated at placement for procedures like this.
The deduction was reversed in full.
A real claim on a policy Ethika placed and serviced, shared with consent. Past experience; outcomes depend on individual policy terms.
Behind Red Carpet sits the cover it defends: group health, personal accident, term life, PoSH, and cyber/DPDP — plus the upgrades each person can add for themselves: top up health, add personal accident, protect their home.
20 minutes with a Growth Advisor. No obligation.
Most companies pay for benefits no one uses. The wellness package nobody opens. The check-up nobody books. Around eight in ten employees can’t even name what they have — so the money you spend to look after people never reaches them.
Rise fixes that with a simple idea: a personalised wallet each person spends on what fits their life — the gym, a check-up, counselling, a course, their family’s care. Because they choose it, it actually gets used.
So HR stops paying for benefits that sit unused — and your people feel the care before the worst day arrives.
Priya, 28
Lives at the gym and runs marathons — hers goes to fitness, fast teleconsults when she needs a doctor, pharmacy, a nutrition consult.
Her wallet
Rahul, 38
A new dad running on no sleep — his goes to a full health check, a few counselling sessions, his kids’ care, a parenting support group.
His wallet
Same benefit, two lives, nothing out of their own pocket.
30+ benefits across four areas of life.
Consults, pharmacy, a yearly health check, 24/7 teleconsults, gyms, dental & vision, nutrition.
Confidential counselling, self-checks, and peer support groups.
Finance & tax guidance, a personal-finance course, lifestyle perks.
Friday Musings, the Vitamin ‘H’ newsletter, and recognition with a leaderboard.
Personalised, in the app, and gently nudged — so it doesn’t sit unused like most wellness does. Built around your budget — talk to us →
Health cardready at the hospital desk
Claim statusfollowed in the app
Rise walletpersonalised benefits
HR dashboardone view for HRProtect and Rise both run on Ethika Hub — one view for you, one app for your team. So benefits stop feeling like homework, and there’s a real team behind every screen.
What you both get
We hold employee health data to run your benefits and claims — never as a product. We use it only to deliver and administer the benefit, under strict access controls; we never sell it, and never use it to profile or advertise to your people. We’re a broker that answers only to you — your people’s data is something we guard, not something we trade.
Certified™ (2026)
Member · Insurance Brokers Association of India (IBAI)< 1 hr cashless approvalsAsia’s Best Innovation-led Insuretech — ICCForty-five days after their son was born, his parents were told he needed hernia surgery. Then the claim came back denied — the insurer said a hernia this early was “probably congenital,” and congenital conditions weren’t covered. Probably. Our team asked them to prove it. For a week we pushed back, escalation by escalation, until the answer changed. The family received the full claim amount — at the exact moment they needed it.
A real claim from [year], shared with the family’s consent. Past experience; outcomes vary by policy and case.
What HR leaders and founders say
“You have a wonderful team because in the past seven plus years we have never heard a single complaint from any employee that Ethika isn’t supporting them in their claim settlements.”
“In a services business, the most valuable asset is human capital. Susheel beautifully shows how structuring the intangible creates an organic flow that drives long-term vision and organizational success.”
What your people say — selected from our 3,600+ Google reviews
“Special thanks goes to Mr. Venkat who supported thru out the discharge process via WhatsApp on a Sunday till the job is done.”
“They processed my claim within the given time slot, and Sumanth Sir provided exceptional assistance.”
“The admission process was so smoothly conducted by Amit which made me feel that I am in right hands.”
“While we were dealing with critical medical scenarios, I was assured the insurance part would be taken care of. Amit went out of his way to ensure the approvals reached the hospital on time.”
“During a time of immense stress and urgency, your swift action was a true lifeline.”
“Awesome team. I opted for a cashless claim and Venkat from Ethika guided me the whole time — easily accessible and available all the time.”
“It takes a lot of will and genuine care to go the extra mile for customers. It was really nice of you to provide the help needed even in the middle of the night.”
Susheel AgarwalHelp them rise. Protect them when they fall.
That idea came before Ethika was a service — it’s what our founder wrote about, taught, and ran his own company on. Today it’s the operating system behind everything we build: Protect for the hard claim, Rise for everyday care, and Hub to make both useful for your people and visible to HR.
There was a night in 2021 — a family, a denied claim, a fight no one else would take — that decided who we’d be.
— Susheel Agarwal, Founder
It’s also something we teach. Workshops for founders and for HR →
No gap in cover. No messy handover. Nothing extra for your people to do.
We run the paperwork, data clean-up and insurer hand-off. If your renewal is months away, we start now and take over when the window opens.
If budget is the concern, we build around yours — group scale changes what the same spend can buy. Talk to us.
Two ways to work with us
We place your cover, negotiate with insurers, run the servicing, and defend every claim. In this model we ask to be your only broker to the insurance market — one broker dealing cleanly with insurers earns you better terms than several chasing the same account.
Locked into a global broker by a head-office mandate? Keep them for the placement — we come in as your claims and service partner, fighting claims and running everyday benefits, with no disruption to the existing setup.
Not sure which fits your setup? Talk to us — we’ll tell you honestly →
Your benefits look complete on paper — so does almost everyone’s. The real test is the ten god-forbid moments that actually walk through your door. Take ten minutes and see, honestly, how much of each your policy has.
Ten minutes. No sign-up, no email — your score shows on screen. · or talk it through with us
A 20-minute video call with a Growth Advisor — no obligation, and no quote pushed. It opens with a five-minute video from our founder on how the benefits stack works and why Ethika exists; the rest is your questions. You’ll leave with an honest read on your current cover and claims experience, and a straight answer on whether we can genuinely help — even if you never become a client.
