Even

Even is a health insurance distribution and advisory business operating in India under the Even brand. It positions itself around simplifying the purchase of health insurance: prospective customers describe their needs, worries and budget, advisors explain policy terms in plain language, recommend a plan, and then support the customer from enrolment through the claims process via a dedicated claims support team. The company presents its advisors as guidance-oriented rather than commission-driven, and lists policy exclusions upfront.

The policies marketed on the company's site include hospitalisation cover of up to ₹1 crore, an included outpatient (OPD) cover of ₹10 lakh, family floater structures covering spouse, children and parents, access to a network of more than 10,000 hospitals, a 30-day free look period, and tax savings under Section 80D. Highlighted features and add-ons include personal accident cover, advanced treatment cover for procedures such as robotic surgery, domiciliary (at-home) medical expenses, a maternity and newborn add-on covering delivery, complications and initial infant care including vaccinations, AYUSH inpatient treatment (Ayurveda, Yoga, Unani, Siddha and Homoeopathy) at recognised hospitals, and 100% restoration of the sum insured once the base cover is exhausted. Discounted rates are offered to applicants who are female, non-smokers, or have a good credit score. The website also references unlimited doctor consultations, free diagnostic tests and optional cashless health insurance.

Business model

Even operates as a licensed insurance advisory and distribution business, recommending and enrolling individuals and families into third-party health insurance policies and supporting them through claims. Regulated activity is conducted through Euston Insurance Advisors Private Limited, a wholly owned subsidiary that is IRDAI licensed and operates under the Even brand name and trademark.