Risk Advisers, Ethika creates Plan B for your Business so that you focus on the Business Opportunities.
At Ethika, we understand that Insurance Broking is about ensuring the best interests of our customers and establishing trust. Our team has diverse experience and strong expertise which enables us to understand your business needs and risks well. Our experts are highly innovative and they deploy the latest technology tools which bring Speed, Effectiveness and Utmost Responsiveness to your doorstep.
We offer a wide range of products from B2B to B2C, hence we can create customized and comprehensive products for you. We do this by gap analysis and by comprehensive policy design that covers all your custom needs. We aggressively negotiate competitive terms with insurers. This is followed up by policy scrutiny, renewals, and claims assistance. Working with leading insurers, our fees are built into the policy premium and regulated by the IRDAI.
Ethika with its corporate office in Hyderabad has a pan-India reach. Ethika’s innovative risk management solutions and sound knowledge of global and local markets ensure that your business reaches new highs!
CEO at Ethika
As an answer to the thought-provoking question, “What Risk Do You Take?” Ethika was born.
As an answer to the thought-provoking question, “What Risk Do You Take?”, Ethika was born with the intent of service and caring. It began when Ethika CEO, Susheel Agarwal, having worked for several years with leading insurance companies started to feel that he was not offering the services or products that his clients needed. Instead, he was simply pushing the products his company wanted to sell. Clients soon found out that the products they bought were not right and did not cover their needs. Naturally, in the long run, no client of his remembered him.
Insurance Broking, Susheel found was a much better alternative. As a concept, it was what he wanted; to listen to his clients’ requirements, analyze their needs and give his opinion and suggestions. The shift to broking enabled Susheel to interact better with his clients, agree upon products and services and the risk cover requirement. He could then meet with various insurers to put together a custom insurance cover for his client without altering any of their requirements.
Building long-term relationships with happy clients meant growth for Susheel as well. But the vicious circle of the corporate sector and the restrictions of being an employee still held him down. In Susheel’s own words, his ‘wheel of life was not balanced’, and it was time to strike out with the founding of Ethika.
Ethika Best Team
Our one-of-the-kind Employee Benefits management tool helps you
to manage all the insurance benefits right from your desktop.
What Our Clients Say
“Great team – super prompt, reliable and good insurance rates. My personal car/life insurance as well as company’s employee insurance is through them. Recently my car had an accident – they followed up with insurance company, car body shop and ensure everything is taken care of. I sincerely appreciate their help and look forward to continuing relationship with them. Thank you.”
“Very good in assisting me with the insurance pre approval process. Supported in all my queries and quick in resolving the issues.”
“Prompt response, superb customer service,I interacted with Prashanth and really impressed the way he is responded , very supportive she don’t mind going an extra mile to support and help her customer.”
“They settled the health insurance claim 3 hrs for cashless with Apollo. Very prompt response and help with any clarification if required. Thanks a lot Madhulika.”
“I want to appreciate entire Ethika team, especially Madhulika, who actively took lead in processing my cashless claim with a single phone call when I was in ICU. Madhulika resolved all the issues and she kept updating me the status.. Because of her efforts,my discharge went well…Though I am not yet fully recovered,i want to spend some time in drafting this to appreciate entire ETHIKA team for your commitment. Thanks Dileep Nalla. Gainsight”
“Ethika is providing reliable service. Madulika from ethika has been very helpful in getting through the insurance claimed and though it was weekend she still followed up reliance insurance.Thanks to the ethika team.”
“I had a very good experience from the team. Madhulika and the team provided prompt response and great support, thus helping me out at one of the most critical point during the medical emergency. I thank them from the bottom of my heart and wish them all the best.”
“I’m having a very good experience with Ethika Insurance Broking Pvt LTD. I have used it’s cashless service for my wife surgery. Madhulika helped us in every minute to get it done smoothly.”
” In simple they are best in what they are doing !!! They addressed all my queries in layman terms and responded my claim related queries and approvals at great speed .. and I would like to take a moment and talk about Madhulika who really stood my last hope in getting approvals for my mothers treatment for the policy I had ( group) . She took it personally and initiated approval process at greate speed and made me and my mom smile when we had no hope .. thanks for care and support Madhulika .. and once again greate work guys keep it up ! Cheers !”
“Thanks a lot Ethika insurance for your fast and prompt response in settling my claim.Also I would like to thank Sandeep for there assistance throughout. You guys rock and keep up the amazing work you do. Thanks”
“Hello, Ethika insurance firm is really worth when it comes to serious business and taking care if it’s clients ! I was provided with extended help and support over the call and nothing more could be asked as Ms. Madhulika worked beyond her designated working hours to support me in my claims settlement ! Cheers ! Happy customer !”
“A very big thank you to Sandeep, Madhulika and entire Ethika team. I do not have to worry about followup and approvals they take complete responsibility.”
“I am very thankful to Madhulika and entire Ethika team for giving there extra efforts and making the claim process smooth. Eventhough it was late evening Madhulika responded the call and was continuously in touch till the claim was approved. Once again thanks a lot Madhulika for helping me out.”
“I was very happy with the service provided. Madhulika was very responsive, helpful and available all the time to address all my queries. The cashless process went smoothly without disturbing my peace of mind while at the hospital. Keep up the good work!”
“Kindly and quick responds. They provided good support when needed . I strongly recommend Ethika. Thanks to Madhulika for her great support.With out her it could not be happen for smooth discharge.”
“Very friendly and helpful , I like the way they assured me. Thank you so much Ethika team.”
” I sent my claim documents to our head office and they in turn reached out to the insurance company. In this process my documents were no where. Mr Laxmi from Ethika insurance came to our Chandigarh office to take a session on medical insurance and thats when I talked about the situation. He immediately exchanged phone numbers and promised to help. Such was the level of customer service that I was overwhelmed. Continuous updates were provided and within 2-3 weeks I received the money in my bank account. Never have I ever experienced such hassle free service from an insurance company.”
“I was very happy with the response. Madhulika was very helpful and available all the time to address all my queries. Thanks Madhulika for your support.”
“Madulika was on the job throughout, she got the amount settled with 3.5 hours of discharge. Weldone. But ICICLOMBART customer services was not much helpful. Anyway a nice cashless experience at Sakura world Hospital, Bangalore.”
Get in touch with us
At Ethika, we understand that Insurance Broking is about ensuring the best interest of our customers and establishing trust. Our team has diverse experience and strong expertise which enables us to understand your business needs and your risks well. Our experts are highly innovative and they deploy the latest technology tools to bring Speed, Effectiveness and Utmost Responsiveness to your doorstep.
#88, Above MRF Tyres,
Gachibowli – Miyapur Rd,
040 – 48599353
Wework Raheja platinum Building Sag Baug Road, Off, Andheri – Kurla Rd, Marol, Andheri East, Mumbai, Maharashtra 400059
+91 22 2640 8431
Workafella Business Centre, 150, 1, Infantry Rd, Opp. Commissioner Office, Vasanth Nagar, Bengaluru, Karnataka 560001
Ethika Insurance Broking Pvt. Ltd. IRDAI Certificate No: 574, Date of License: 8th Aug 2019, License valid till 7th Aug 2022,
Registered Address: 517, B Block, Vijaya Raghwa Township, Nallagandla Bypass Road, Lingampally. 500019
Principal Officer: Susheel Agarwal, Contact Details of Principal Officer: firstname.lastname@example.org +91 8498094600,
Directors: Susheel Agarwal and Suresh Agarwal, Category of License: Direct (Life and General).
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