DearTime makes life insurance affordable, simple, and accessible to everyone through fully digital means and restores the quality of life for those in times of need.


Here's what we offer


No Commission
We sell our insurance products directly to you without any third-party commission.

No Frills
We remove non-insurance frills such as investments and savings that are expensive.


Simple Product
We offer pure protection products, making insurance easy to understand.

Simple Process
Fully digitalised end-to-end process of buying, editing, and claiming insurance.


With Sponsored Insurance, even those who cannot afford insurance can get covered.

Manage your insurance policies wherever you are. Live chat/call for assistance.

How It Works

Our end-to-end process is fully digitalized, making it convenient and effortless for you


About 5 minutes; no medical checkup.

Create your DearTime account and provide your user details.

Select Coverage
Choose your coverage, answer medical survey and assign nominees.

Provide payment details, verify your identity and you are covered.


About 1 minute; swipe anytime to edit.

Choose the coverage product that you want to edit.

Swipe the coverage slider to edit your coverage amount.

Confirm your medical survey is up-to-date and your coverage is edited.


About 7 days; scan your face to initiate claim.

Scan Face
Choose which coverage to claim and scan your face for verification.

Flash Code
A unique claim code will appear. Flash it at our panel hospital.

Wait for the Money
No further action from you. Approved claim money is deposited within 7 days.

We offer life insurance products that are pure protection and easy to understand.

Medical bills increase by 10% every year. Put your mind at ease and focus on recovery while we take care of your medical bills.
You can rest in peace with adequate death coverage to support your family if the untoward happens.
Cancer hits 1 in 2 people. We cover you from 45 critical illnesses including the top 3 – cancer, stroke and heart attack.
You cannot predict accidents. If an accident claims your life or renders you fully disabled for life, we got you covered.
Becoming disabled may affect your everyday activities and livelihood. We cushion you from the changes you go through in the event of total permanent disability.

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