HARTWELL SMART INSURANCE
Life insurance that also builds wealth.
Protect your family and grow your savings with one simple plan. Get a price in three minutes, no paperwork and no medical for most people.
€1,000
Average yearly savings
3 min
Average claim form
WHY PEOPLE CHOOSE US
No one can predict which issues might come their way.
15K
Satisfied clients
Families across Mauritius trust us with their cover.
100%
Guaranteed payouts
Every valid claim paid, with no small-print surprises.
5×
Faster claims
Most claims settled within five working days.
SAVE AS YOU PROTECT
A surprising way to save for your future.
Part of every Hartwell Life payment goes into a savings fund that grows with you. Take it as cash at 60, or leave it to your family.
- Guaranteed growth of 3% a year
- Pause payments if times get hard
- Take your savings out at any time
OUR INSURANCE
Cover for every part of life
Mix and match policies; the more you add, the more you save.
HOW TO GET COVERED
Get the right insurance to meet your needs
From the first question to your policy documents, everything happens online in minutes.
Complete the form
Tell us a little about you and what you'd like to protect.
Answer a few questions
A short health check, online. No medical for most people.
Get your price
See your monthly price straight away, with no obligation.
You're covered
Pay online and your documents arrive by email.
MANAGE IT ON YOUR PHONE
The perfect insurance for the mobile generation.
See your policies, update your details and make a claim from your phone, at any hour.
- Get quoted and covered in under 10 minutes
- Claims started in three minutes, with photos
- Chat to a real adviser, seven days a week
SUPPORT
Frequently asked questions
Do I need a medical to get life cover?
Most people under 50 don't. You answer a few health questions online and get your price straight away.
How quickly are claims paid?
Most claims are settled within five working days of us receiving everything we need.
Can I cancel at any time?
Yes. Cancel within 30 days for a full refund, or at any time after with no fee.
Can I combine home and car cover?
Yes, and you'll save 10% on each policy when you hold two or more with us.
REVIEWS
What our customers are saying
★★★★★
“I got a quote on my lunch break and was covered by the evening. When our pipe burst they paid within a week.”
★★★★★
“Clear prices, no jargon, and a real person on the phone when I needed help after my accident.”
★★★★★
“Our adviser helped us work out exactly how much life cover we needed. We pay less than before.”
Latest news
Plain-English guides to protecting what matters.
· Maya Hartwell
How much life cover does a young family need?
A simple way to work out the right amount, without paying for more than you need.
Read more· Daniel Okoro
Five things your home policy should cover
Storms, burst pipes, theft and more: check your policy before you need it.
Read more· Priya Ramdin
What to do right after a car accident
A calm checklist for the first hour, from photos to calling our claims line.
Read more
No one can predict what's next. Be ready for it.
Get your free quote in three minutes. No obligation, no paperwork.
