Why Us

Why Us

Backed by years of insurance expertise

Karthika Insurance has a rich legacy deeply rooted in the insurance industry, with origins dating back to 1971 when Mr. Ramakrishnan Nair, the founder of Karthika Insurance, began his mission to provide insurance policies.




Offering a hassle-free claims experience for all customers

Karthika Insurance believes that insurance is not about purchasing a policy. It is about receiving the post-purchase services at the right time. It is about getting the claim support whenever required. Many claims fail due to wrong coverage, lack of guidance, or poor documentation, but at Karthika Insurance, we suggest the best policy fit for you and provide claim assistance throughout the claim process.

Our Expertise

Health Insurance

Top 4 benefits of buying a health insurance policy from us

I. Legacy in Claim Management

We actively assist you during the claim process and help you receive your entitled amount from the insurance company.


II. Long Term Service & Trust

We have been in the insurance industry for over 55 years. We offers consistent and reliable service across generations.


III. Best Product

We help you select the health insurance product that is the best fit for you based on your needs.


IV. Corporate Insurance

We also provide corporate /group health insurance solutions for organisations. It helps your organisation to reduce employee attrition rate, provide better benefits and also provide tax advantage.

Motor Insurance

Top benefits of buying a motor insurance policy from us

I. Best Discounts

Get access to the most competitive motor insurance premiums across bikes, cars, and commercial vehicles.


II. Claim Assistance Support

Receive end-to-end claim assistance to ensure smooth, timely, and hassle-free settlements.


III. Renewal reminder Support

Get proactive renewal reminders so you never miss a due date or risk policy lapse.


Small & Medium Enterprise Insurance

Businesses face multiple risks, losses, and the right insurance helps them to ensure continuity and protection. We help businesses to identify risks, choose appropriate coverage, and stay protected to avoid financial losses.

Our SME Insurance Solution includes

I. Fire Insurance


II. Liability Insurance

a. Commercial General Liability (CGL)

b. Directors & Officers (D&O)

c. Cyber Insurance

d. Professional Indemnity (PI)


III. Other SME Insurance

a. Workmen's Compensation

b. Marine Insurance

c. Miscellaneous Expenses

Our Unique Value Proposition

  1. End-to-end insurance claim assistance.
  2. Ensuring proper documentation to avoid delays
  3. Provide insurance benefits to corporates and SME’s
  4. Dedicated insurance claims support team