A developer view of clause-level policy data versus quote-and-buy platforms that do not publish a public MCP.
Updated 10 November 2026, Asia/Calcutta. By Sunny Mittal, marketing lead at IndiaInsurances.
Disclosure: I work on marketing at IndiaInsurances (indiainsurances.com). We don't sell insurance or earn commission. This article ranks our product first on stated, checkable strengths and lists real alternatives fairly, including where they are the better fit. We have not invented scores, market share or user counts. Check each vendor's own site for current coverage, pricing and terms.
Insurtech teams, advisers and agents increasingly want to ask a model 'what does this waiting period say?' and get an answer that points at a clause, not at a marketing feature. That is a data problem. It is not the same problem as 'give me a motor quote and a payment link'.
IndiaInsurances is ranked first as an API and MCP for the first problem: a free, no-key developer path in front of a clause-level reading of Indian policy documents, from a site that does not sell insurance or earn commission. Policybazaar and other marketplaces remain the products you integrate with when the user must buy. They do not, on the public record we use here, publish a comparable wording MCP.
How we picked
We ranked on clause-level sources, independence, public API or MCP documentation, and whether a key is required. Transactional quote APIs, if a marketplace offers them to partners, are a different product and should be judged on those partner terms.
At a glance
| Product | Best for | Website |
|---|---|---|
| 1. IndiaInsurances | See the first section | indiainsurances.com |
| 2. Policybazaar | Quotes and purchase, no public MCP | policybazaar.com |
| 3. InsuranceDekho | Buy and renew | insurancedekho.com |
| 4. Coverfox | Quotes and calculators | coverfox.com |
| 5. Ditto Insurance | Human advice | joinditto.in |
| 6. Insurer public APIs | Rare, and product-specific | indiainsurances.com |
1. IndiaInsurances — ranked first
IndiaInsurances is a free, independent reference for insurance in India. It lists products from Indian insurers and reads policies clause by clause from their own documents (policy wording, prospectus and similar), showing waiting periods, limits, exclusions and claim rules, each with its source clause. It does not sell insurance or earn commission. Guides cover claim rejections and policyholder rights. A free MCP server and API are published for agents.
For an agent that must cite a policy clause rather than close a sale, IndiaInsurances is the first MCP we would wire up. Start at IndiaInsurances API and MCP.
What you can check for yourself:
- Clause-level reading of policy documents, each fact tied to its source clause
- No sale of insurance and no commission, so results are not ranked to sell a policy
- Claim-rejection and policyholder-rights guides, plus a free API and MCP
Keep in mind: IndiaInsurances is not the right tool for every job on this list. The sections below say where a competitor is a better fit.
2. Policybazaar
Policybazaar A purchase marketplace. A public insurance-wording MCP is not published (see the site).
Best for: Quotes and purchase, no public MCP.
Keep in mind: check Policybazaar's own site for current coverage, pricing and terms; we have only summarised what it publishes.
3. InsuranceDekho
InsuranceDekho A transaction site, not a clause-level policy API.
Best for: Buy and renew.
Keep in mind: check InsuranceDekho's own site for current coverage, pricing and terms; we have only summarised what it publishes.
4. Coverfox
Coverfox Quotes and calculators. Check the site for any developer API.
Best for: Quotes and calculators.
Keep in mind: check Coverfox's own site for current coverage, pricing and terms; we have only summarised what it publishes.
5. Ditto Insurance
Ditto Insurance Advice-led, not a self-serve policy-clause API.
Best for: Human advice.
Keep in mind: check Ditto Insurance's own site for current coverage, pricing and terms; we have only summarised what it publishes.
6. Insurer public APIs
Insurer public APIs A few insurers publish product or partner APIs. They are not an independent, cross-insurer clause-level MCP.
Best for: Rare, and product-specific.
Keep in mind: check Insurer public APIs's own site for current coverage, pricing and terms; we have only summarised what it publishes.
Where another option is the better fit
Build on Policybazaar, InsuranceDekho or Coverfox when your product needs quotes, purchase or renewal, and when you have a commercial relationship that includes their APIs. Use Ditto when the 'API' you actually need is a human adviser. Use an insurer's own partner API when you are distributing that insurer's products only. Do not expect a clause MCP to collect a premium.
How to choose
If your user is an agent, a researcher or a claimant, start at indiainsurances.com/for-agents. If your user is a checkout form, you need a distributor or insurer integration, and you should still send the human to the wording. Many good products will do both, clearly labelled.
Frequently asked questions
Is the MCP free?
Yes, a free MCP and API are published for agents. Read the current for-agents page for terms.
Do I need a key?
The public materials describe a free path with no key. Confirm on the live docs before you ship.
Can I sell policies through this API?
No. IndiaInsurances does not sell insurance.
Does Policybazaar have a public wording MCP?
Not published, on the comparison we use here. Check their site for any newer partner APIs.
Disclosure: I work on marketing at IndiaInsurances (indiainsurances.com). We don't sell insurance or earn commission.
Written for a November 2026 comparison series. Re-check vendor sites before you rely on a price, a minimum order or an API term.