2. Sales : 20X in 3 years
2
0
100
200
300
400
500
600
700
800
Sales Premium
Term Investment Health Motor Others Non insurance
3. We promote simpler, high utility products…and
product focus is clear
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Aggregator Retail industry
Pure Term Low cost ULIP Traditional Health Motor Other
Source: IRDA annual report 2010-11; Motor Report 2011, Health Report 2011; Management estimates of Aggregator Business
4. Industry product alignment & digital growth
easily provide a 20x in 5 years
Product
Premium 2014-
15
Online Premium
2014-15
Online % 2014-
15
Premium 2019-
20
Online Premium
2019-20
Online % 2019-
20
Motor 15,000 240 2% 30,000 6,000 20%
Health 6,000 150 3% 20,000 3,500 18%
Term 180 140 78% 4,000 3,200 80%
Investment 51,000 0 0% 30,000 1,200 4%
ULIP >1.5% 6,000 0 0% 10,000 1,000 10%
ULIP <1.5% 80 60 75% 10,000 4,000 40%
2 Wheeler 3,000 10 0.33% 6,000 1,500 25%
Stand Alone CI 20 10 50% 800 400 50%
Stand Alone PA 5 2 40% 200 100 50%
Travel 500 80 16% 1,000 500 50%
Total 81,785 692 1% 112,000 21,400 19%
4* Management Estimates; All figures in INR Cr
5. Traffic from Google is progressively expensive
Auction based on Cost per click No Auction but Merit based listing
REPLACEDBY
All insurers pay the same as opposed to an auction where the highest bidder gets the top position
6. A premier role in Insurance Education to help
customers make informed decisions
7. Sales predominantly come from Direct Traffic
0
5000
10000
15000
20000
25000
30000
35000
Direct SEM Others
8. Direct is the key!
No of enquiries '000
0
10
20
30
40
50
60
70
80
90
100
Apr-12
Jun-12
Aug-12
Oct-12
Dec-12
Feb-13
Apr-13
Jun-13
Aug-13
Oct-13
Dec-13
Feb-14
Apr-14
Jun-14
Aug-14
Oct-14
Dec-14
Feb-15
Term
Direct SEM Others Linear (Direct)
0
20
40
60
80
100
120
140
160
Apr-12
Jun-12
Aug-12
Oct-12
Dec-12
Feb-13
Apr-13
Jun-13
Aug-13
Oct-13
Dec-13
Feb-14
Apr-14
Jun-14
Aug-14
Oct-14
Dec-14
Feb-15
Investment
Direct SEM Others Linear (Direct)
0
10
20
30
40
50
60
70
80
90
100
Health
Direct SEM Others Linear (Direct)
0
10
20
30
40
50
60
70
80
90
Motor
Direct SEM Others Linear (Direct)
9. Known Benefits
• COA
• Operating Costs
Unknown Benefits
• Lapse Rate
• Data & Actuarial
• Claims
• Sticky Customers
• Brand
9
14. Only 30% of global insurance sales never touch the internet
•
insurance approximately Rs. 250 crore, while
other insurance lines such as health and
travel make up approximately Rs. 150 crore.
Online life insurance sales are expected to
grow to 3-5 percent of the individual annual-
ised new business premium by 2020; and
14 percent for health insurance, 10 percent
for motor insurance and 19 percent for trav-
el insurance as per the BCG CCCI digital in-
fluence survey 2013. This amounts to Rs.
7,000-8,000 crore of new insurance sales in-
fluenced by digital today. BCG estimates the
Source:
Health insurance Property & CasualtyProtection / Term life
Indispensable interaction modes
100
80
60
40
20
0
%of owners
32%
54%
14%
100
80
60
40
20
0
%of owners
26%
61%
13%
100
80
60
40
20
0
%of owners
30%
54%
16%
RelationalHybridsRemote
15. View registered agents nearby
Choose your agent basis
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