SafeTree

SafeTree is a specialized insurtech company focused on developing innovative, customized insurance solutions addressing underserved and niche market segments through AI-driven technology platforms and direct insurance broker services. The company combines advanced risk analytics with personalized insurance advisory to bridge protection gaps across fertility care, infrastructure projects, corporate risk management, and emerging market segments.

Core Products & Services

• Fertility Insurance Solutions: Asia Pacific and India's first exclusive infertility insurance covering IVF treatments, oocyte (egg) donor insurance, surrogate mother insurance, and maternity insurance (with 7-month waiting period) designed for IVF-conceived pregnancies with cashless hospitalization in network hospitals

• AI-Based Fertility Score Assessment: Machine learning tools identifying male and female fertility scores without medical tests; predictive IVF success scoring based on relevant medical parameters for informed decision-making

• Insurance Surety Bonds: AI-powered underwriting tool for evaluating unrated MSME contractors using composite financial, sectoral, and project-specific data to facilitate infrastructure project bonding

• General & Life Insurance Products: Health insurance, life insurance, travel insurance, home/property insurance, auto insurance, bike insurance, and business insurance across retail and corporate segments

• Corporate Risk Management Solutions: Tailored risk advisory and insurance solutions for corporations, IT/consulting firms, and specialized sectors with customized coverage frameworks

• Travel Insurance & Tour Operator Protection: Risk management solutions for tour operators with liability coverage addressing deficiencies in service delivery

• Embedded Insurance Platform: Integration of insurance solutions into fintech and digital platforms enabling contextual insurance offerings within transaction flows

• Claims Management Services: Dedicated claims support with expedited processing, cashless hospitalization coordination, and customer advocacy

• POS Agent Distribution Network: Point-of-Sale Person (POSP) agent channel providing flexible income opportunities for insurance sales and customer engagement

Business Model & Revenue Streams

Business Model – Specialized InsurTech with Multi-Channel Distribution and AI Analytics

• Direct insurance broker model leveraging IRDAI licensing for independent product aggregation and distribution

• Three-tier distribution: B2C direct-to-consumer platform, B2B embedded insurance integration for fintech partners, and POSP agent network for grassroots reach

• AI-driven underwriting and risk assessment platforms reducing evaluation time and enabling credit access for underrated contractors and MSMEs

• Vertical specialization in fertility care with deep sector expertise in assisted reproductive technology and maternity services

• Strategic partnerships with leading insurers, fertility clinics, and infrastructure development authorities

• Insurance Brokerage Commissions: Primary revenue from life, health, and general insurance policy placements across all distribution channels

• Embedded Insurance Integration Fees: Revenue from fintech and digital platform integrations providing API-based insurance offerings with revenue-sharing models

• Corporate & B2B Advisory Fees: Professional fees from customized risk management and insurance consulting for corporate clients

• Infrastructure Project Bonding Revenue: Commissions from insurance surety bonds facilitating infrastructure project financing and contractor underwriting

• POSP Agent Commission Revenue: Distributed revenue from point-of-sale person network generating policy sales and customer onboarding

• Data & Analytics Licensing: Emerging revenue from fertility score assessment tools and AI underwriting platforms for healthcare providers and financial institutions

• Travel & Hospitality Insurance Revenue: Specialized commissions from tour operator liability and travel insurance partnerships