Smart Agent is the purpose-built health insurance agent CRM India trusts — family floater tracking, cashless hospital networks, WhatsApp renewal reminders and commission reports. From ₹999/yr.
Every field a mediclaim agent needs, none that they don't
Health insurance in India is different from motor or life — the data shape, renewal behaviour and claim support model all look different. A single mediclaim policy may cover a family of four with separate sum insured, add-ons like critical illness riders, hospital cash benefits and room-rent caps. A cashless hospitalisation request can arrive at any hour, and your client expects you to know which hospital in their city is in-network with their insurer. Smart Agent has been designed around these realities — so a health insurance agent in Delhi, Pune or Bhubaneswar can run an efficient practice from day one.
Inside the app, a health policy record captures: insurer, product name, sum insured, family members covered with age and gender, premium, commencement and expiry dates, add-ons, pre-existing disease waiting periods and the insurer's cashless hospital list. Every field is searchable. Every policy is tied to the client record. Every renewal triggers a WhatsApp reminder automatically. The effect is transformative — clients feel looked-after, policies renew on time and cashless claims become smoother.
The two main structures covered completely
Capture primary insured, spouse, kids, dependent parents with age, sum insured and relationship. Perfect for family mediclaim.
Single-life policies with sum insured, pre-existing disease waiting periods and add-on riders recorded cleanly.
Handle top-up and super top-up policies alongside base mediclaim with deductible thresholds and coverage details.
Dedicated fields for senior citizen mediclaim — pre-existing disease disclosure, co-pay, room rent limits.
Manage corporate group medical cover lists with employee master, dependents and per-head sum insured.
Attach critical illness and personal accident riders to the parent policy, with their own expiry tracking.
Help clients find in-network hospitals in seconds
A major value-add a health insurance agent offers post-sale is hospital network guidance. When a client or their family member is facing hospitalisation, they usually call the agent before the insurer's TPA. Smart Agent lets you link each policy to its insurer's cashless hospital network — so when a client calls, you can immediately search by city, hospital name or speciality and confirm whether it is in-network. This single capability often decides client retention, because your clients remember you were the one who helped during a stressful moment. All plans come with a secure document vault where you can also store the insurer's hospital list PDFs for quick reference.
Silver ₹999/yr (150 policies) • Gold ₹1,499/yr (800 policies) • Diamond ₹2,499/yr (1,500 policies) • Platinum ₹3,499/yr (3,000 policies). Unlimited clients, free Android app, WhatsApp reminders and agent website in every plan.
Smart Agent is an excellent option for health insurance agents in India — it supports family floater and individual mediclaim, tracks sum insured, cashless hospital networks and policy expiry, and starts at ₹999/yr with a free Android app and WhatsApp reminders.
Yes. Smart Agent handles family floater policies with full member details — primary insured, spouse, children, dependent parents — along with sum insured, premium due dates and cashless hospital information.
Yes. Automated WhatsApp and SMS reminders are sent 30, 15 and 3 days before any health policy expires. Messages are pre-filled with client name, policy number and premium due — ideal for reducing mediclaim lapses.
Yes. Smart Agent allows you to tag each policy with its insurer's cashless hospital network. When a client calls with a hospitalisation query, you can quickly look up the relevant network list and respond.
Health insurance commissions in India vary by insurer and product — typically 15–20% on first year premium and 10–15% on renewal premiums for retail policies. Smart Agent lets you configure exact percentages per insurer and auto-calculates your earnings.