Health Insurance
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Health Insurance
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Marketing Design
Marketing Design
User Research & Insights
User Research & Insights
Mobile + Web
Mobile + Web
UI + Marketing Design
UI + Marketing Design
UX Copy
UX Copy
Designing conversion-focused UX/UI for Car, Bike & Health Insurance products of Paytm Insurance, a product-led platform aimed at simplifying insurance discovery, education, and purchase for the next 500 million Indians.
Designing conversion-focused UX/UI for Car, Bike & Health Insurance products of Paytm Insurance, a product-led platform aimed at simplifying insurance discovery, education, and purchase for the next 500 million Indians.
Designing conversion-focused UX/UI for Car, Bike & Health Insurance products of Paytm Insurance, a product-led platform aimed at simplifying insurance discovery, education, and purchase for the next 500 million Indians.
Timeframe
Timeframe
Timeframe
2021 / 4 months
2021 / 4 months
2021 / 4 months
Industry
Industry
Industry
Insurance
Insurance
Insurance
My Role
My Role
My Role
UX/UI and Marketing Designer
UX/UI and Marketing Designer
UX/UI and Marketing Designer
Team
Team
Team
Paytm Insurance
1 Product Manager, 1 Illustrator,
2 Marketing Designers,
1 Product Owners, 1 Data Analyst
Paytm Insurance
1 Product Manager, 1 Illustrator,
2 Marketing Designers,
1 Product Owners, 1 Data Analyst
Paytm Insurance
1 Product Manager, 1 Illustrator,
2 Marketing Designers,
1 Product Owners, 1 Data Analyst
As part of building the new vertical from ground up, I played a key role in the agile squad to design the content, user experience and interface for Paytm's Insurance products across car, two-wheeler and health categories.
The brief was clear. Provide complex, regulated Health, Car, Bike Insurance offerings through a simple, engaging, high-conversion interface that encourages insurance education, simplifies comparison and guides users towards an informed purchase decision within a third-party brokerage model.
User Research & Insights
User Research & Insights
🇮🇳 Insurance landscape in India (circa 2020)
🇮🇳 Insurance landscape in India (circa 2020)
Low Insurance Penetration
Low Insurance Penetration
Low Insurance Penetration
• Life Insurance ~2.82%
• Non-Life Insurance (Health, Motor etc.) ~0.94%
• Vast majority of India’s population remained uninsured or underinsured
*Premium as % of GDP
• Life Insurance ~2.82%
• Non-Life Insurance (Health, Motor etc.) ~0.94%
• Vast majority of India’s population remained uninsured or underinsured
*Premium as % of GDP
• Life Insurance ~2.82%
• Non-Life Insurnace (Health, Motor etc.) ~0.94%
• Vast majority of India’s population remained uninsured or underinsured
*Premium as % of GDP
Low Insurance Penetration
Low Insurance Penetration
Low Insurance Penetration
• Life Insurance ~2.82%
• Non-Life Insurance (Health, Motor etc.) ~0.94%
• Vast majority of India’s population remained uninsured or underinsured
*Premium as % of GDP
• Life Insurance ~2.82%
• Non-Life Insurance (Health, Motor etc.) ~0.94%
• Vast majority of India’s population remained uninsured or underinsured
*Premium as % of GDP
• Life Insurance ~2.82%
• Non-Life Insurnace (Health, Motor etc.) ~0.94%
• Vast majority of India’s population remained uninsured or underinsured
*Premium as % of GDP
User Behaviour Trends
User Behaviour Trends
User Behaviour Trends
• Rise in smartphone users (~500M+), especially in Tier 2/3 cities.
• Growing awareness of insurance post-COVID 19 onset.
• Need for simplified, educational digital journeys and trust-building content.
• Rise in smartphone users (~500M+), especially in Tier 2/3 cities.
• Growing awareness of insurance post-COVID 19 onset.
• Need for simplified, educational digital journeys and trust-building content.
• Life Insurance ~2.82%
• Non-Life Insurnace (Health, Motor etc.) ~0.94%
• Vast majority of India’s population remained uninsured or underinsured
*Premium as % of GDP
Competition
Competition
Competition
• Aggregators like Policybazaar led the digital space, focusing on lead generation and plan comparison.
• Insurer websites offered limited direct purchase journeys, often fragmented and unintuitive.
• Few platforms prioritised mobile-first design or customer education.
• Aggregators like Policybazaar led the digital space, focusing on lead generation and plan comparison.
• Insurer websites offered limited direct purchase journeys, often fragmented and unintuitive.
• Few platforms prioritised mobile-first design or customer education.
• Life Insurance ~2.82%
• Non-Life Insurnace (Health, Motor etc.) ~0.94%
• Vast majority of India’s population remained uninsured or underinsured
*Premium as % of GDP

Given Paytm App's strong usage dominance, mobile-first approach was prioritised in design. I was responsible for designing the product landing screens across Car, Two Wheeler and Health Insurance.
After researching and identifying customer goals, expectations and opportunity, the focus was to create an intuitive, conversion-driven flow that empowers them to explore and evaluate third-party products and confidently proceed to purchase.
The UI was designed to naturally guide users through key insights including package feature breakdown, benefits, insurance calculator, covered vs. non-covered aspects etc. Recognising insurance offerings are complex, information-heavy and technical, the UI/UX was thoughtfully crafted to deliver visually engaging information that is presented progressively to support ease of understanding.
Designing the Hero Section with Integrated Lead Generation Form
- Key Bit: By simply entering a vehicle number, the system fetches all vehicle details via API.
- Designer’s Focus: The UI doesn't ask for data; it confirms data. This reduces cognitive load and prevents drop-offs during the "form-filling" phase.
Low-commitment Form
From competitive analysis it was identified that input dense forms (asking for Engine Number, Make, Model, and Year) create high onboarding friction. So, we used an alternative "no or minimal input" strategy to design the form.
✅ Leverage the system to do the heavy lifting of fetching data so the user doesn't have to.
✅ Works well to reduce cognitive load and prevent drop-offs during the "form filling" phase, the psychology being a single field is often perceived as low-commitment interaction.
The form UI design is simple with single inout field and primary action only; it doesn't ask users for data, rather confirms it. Users simply enter a vehicle number on this form and the system fetches the vehicle details via API.
or choose to browse without entering vehicle number and still get value.
The Value Proposition that hooks
Crafting the Value Proposition for the hero section was an opportunity as to create marketing hooks. I explored various copy options for headline, subheading and key offerings to emphasise on affordability, hassle-free and fast process, such as "Insure your Bike in 2 minutes" "Starting at only ₹1.5 per Day*"
This is the final one that was agreed upon after A/B tests and internal feedback.
No Spams Micro-copy
Spam from agents was identified a major pain point in the Indian insurance market. To address this, I created the micro-copy "No Unwanted Calls" as a marketing UX hook in Paytm Insurance's value proposition. In the UI, this promise is made prominent by placing it as a visual badge right next to the Lead Generation Form in the Hero Section. This directly counters the users "Should I give my number?" anxiety upon visiting the landing screen.
✅ Leverage the system to do the heavy lifting of fetching data so the user doesn't have to.
✅ Works well to reduce cognitive load and prevent drop-offs during the "form filling" phase, the psychology being a single field is often perceived as low-commitment interaction.
or choose to browse without entering vehicle number and still get value.
Crafting the Value Proposition for the hero section was an opportunity as to create marketing hooks. I explored various copy options for headline, subheading and key offerings to emphasise on affordability, hassle-free and fast process, such as "Insure your Bike in 2 minutes" "Starting at only ₹1.5 per Day*"
This is the final one that was agreed upon after A/B tests and internal feedback.
- Key Bit: By simply entering a vehicle number, the system fetches all vehicle details via API.
- Designer’s Focus: The UI doesn't ask for data; it confirms data. This reduces cognitive load and prevents drop-offs during the "form-filling" phase.
Building a Trusted and Transparent User Experience
- Key Bit: By simply entering a vehicle number, the system fetches all vehicle details via API.
- Designer’s Focus: The UI doesn't ask for data; it confirms data. This reduces cognitive load and prevents drop-offs during the "form-filling" phase.
Insurance is often criticised for hidden costs. Comparison Modules were designed to overcome this barrier in the user experience. These modules helps to clearly break down add-ons like Zero Dep, Roadside Assistance etc. for the users.
UI considerations:
Each add-on has a "Learn More" or tooltip that explains the benefit in plain language, such as We pay for nuts/bolts/oil instead of Consumable Cover.
Use visual hierarchy strategically: Keeping the "Price" always visible, but the "Value" (what you get) is given equal real estate to prevent price shopping.
UI considerations:
- Each add-on has a "Learn More" or tooltip that explains the benefit in plain language, such as We pay for nuts/bolts/oil instead of Consumable Cover.
- Use visual hierarchy strategically: Keeping the "Price" always visible, but the "Value" (what you get) is given equal real estate to prevent price shopping.
- Key Bit: By simply entering a vehicle number, the system fetches all vehicle details via API.
- Designer’s Focus: The UI doesn't ask for data; it confirms data. This reduces cognitive load and prevents drop-offs during the "form-filling" phase.
Leveraging Paytm's Brand Identity for Visual Credibility
- Key Bit: By simply entering a vehicle number, the system fetches all vehicle details via API.
- Designer’s Focus: The UI doesn't ask for data; it confirms data. This reduces cognitive load and prevents drop-offs during the "form-filling" phase.
The UI design adheres strictly to Paytm's Brand Identity. New set of icons were designed for Health, Bike, Car insurance to follow existing style guides.
UI considerations:
- Each add-on has a "Learn More" or tooltip that explains the benefit in plain language, such as We pay for nuts/bolts/oil instead of Consumable Cover.
- Use visual hierarchy strategically: Keeping the "Price" always visible, but the "Value" (what you get) is given equal real estate to prevent price shopping.
- Key Bit: By simply entering a vehicle number, the system fetches all vehicle details via API.
- Designer’s Focus: The UI doesn't ask for data; it confirms data. This reduces cognitive load and prevents drop-offs during the "form-filling" phase.
Key Product Decisions
Key Product Decisions
Informative UX
Used plain language in content, contextual tooltips, and step-wise breakdowns to help users understand policy options, coverage types, and benefits without any confusion.Smart Comparisons
Designed responsive comparison modules that highlight insurer benefits, pricing, claim ratios, and add-ons, helping users make informed decisions with confidence.Guided Journeys
Each step from entering vehicle number or health details through to selecting a plan was carefully structured with progressive disclosure to avoid overwhelming the user.Visual Trust Builders
Built new insurer icons to evolve the design system. Ratings and badges were also to build trust and transparency across touch points.Modular UI system
Leveraged and extended Paytm's design system with new insurer icons and style guide to maintain consistency, while adding new flexible components for insurance flows.
Throughout the design process, I collaborated closely with product owners and engineers in agile squad, iterating based on business goals and usability feedback. The final designs delivered positioned Paytm Insurance as an easy, fast and reliable solution and contributed to scaling the user base to 11.3M+ in 2021.


