The platform a broker built, for brokers.
Benefits administration and claims tracking for your clients, under your brand. Built and run inside a working insurance brokerage for over a decade.
This is software, not an insurance product. You remain the licensed broker, and placement stays with you.
The week your team actually has
Joiners and leavers. Insurance cards. Policy changes waiting on the insurer. And the call that never stops: “any update on the claim?”
Your clients’ HR teams chase you. You chase the insurer and the TPA. None of it wins a renewal, but all of it can lose one.
Built inside a broker, not a software company
Most benefits software is built by technology companies, and it stops helping at the point a claim gets hard. Ethika Hub grew up inside the Ethika group’s own brokerage in India. It runs that book every day: 750+ employers, 200,000+ insured lives and 15,000+ claims last year.
Every screen exists because a servicing team needed it.
What you get
Each part can be switched on per account.
| Part | What it does |
|---|---|
| Your branded app and portal | Your clients’ employees and HR see your brand, for example “YourBrokerage Benefits”. The platform runs behind it. [CONFIRM for brokers] |
| Enrolment and policy changes | Joiners, leavers and changes tracked until the insurer confirms, not just until the email is sent |
| Claims tracking | Every claim’s stage on one screen for your team, the client’s HR and the employee. Your team works the claim; the platform makes sure nothing waits. |
| Employee app | E-card, claims, benefits and support in one place |
| HR portal and reports | Enrolment, claims and usage, ready for renewal meetings, pulled by HR without asking you |
| Your team’s console | Your whole book in one view: claims and changes by stage, tickets and calls logged, alerts so nothing slips |
| Benefits wallet engine | Run a per-employee wellness wallet with your own local providers [CONFIRM] |
| Onboarding and integration | Enrolment data exchanged with your insurers and TPAs [CONFIRM scope] |
What your client’s HR sees
- Enrolment status without spreadsheets
- Every claim’s stage, live
- Joiners, exits and endorsements tracked until confirmed
- Reports they pull themselves
Our own HR clients in India spend about five minutes a month on it.
What their employees see
- Their insurance card in the app from day one
- Every claim tracked without a phone call
- Wellness, check-ups and support in one place
How we keep it clean
The Ethika group includes a licensed insurance broker in India, so this is kept at arm’s length:
- Separate contracting.You contract with Ethika Worklife Private Limited, a separate legal entity.
- No insurance from us.We don’t solicit, place or service insurance in your market. Placement stays with you.
- Data walls.Your clients’ data is never shared with any broking function in the Ethika group.
- No placement-linked fees.What you pay is for software and service, never linked to insurance placed.
Documentation is available for your compliance and legal review.
Data and security
- A signed data processing agreement for each account, with hosting and retention set per account [CONFIRM: UAE / KSA hosting available?]
- Role-based access: each HR admin sees only what they manage, each employee only their own records
- Demos run on sample data only
- We never sell data, profile people or use it for marketing
- Security & DPA pack on request: hosting, retention, sub-processors, certifications, breach commitments
Working with us
- A named contact for your account
- Quarterly business reviews
- SLAs agreed per account and reported against
How it starts
- Demo on sample data. See your team’s console, your client’s HR portal and the employee app.
- Pilot with one client. We set up one of your accounts under your brand.
- Roll out across your book, client by client, at your pace.
Honest answers
Is this an insurance product?
No. It’s software. You remain the licensed broker.
Do I have to buy RISE as well?
No. Brokers outside India can take the platform on its own. [Needs Susheel sir’s decision]
Do you deliver wellness services in the UAE or Saudi Arabia?
No. RISE services are delivered in India. The wallet engine can run on your own local providers. [CONFIRM]
Is it available in Arabic?
[CONFIRM]
Where is the data hosted?
[CONFIRM]
Who owns the platform?
It was built by the Ethika group’s in-house technology team and is offered by Ethika Worklife. [CONFIRM wording after Sandeep sir’s IP answer]
How is it priced?
We walk you through the commercial structure on a call. No prices are published.
Start with a conversation, not a form.
Twenty minutes, your book, your questions.
Talk to usEthika Worklife Private Limited · CIN U92490TG2022PTC159910 · This is not an insurance product.