Rahnamayebimeh | راهنمای بیمه

What Rahnamayebimeh | راهنمای بیمه does

Rahnamayebimeh (راهنمای بیمه) is the online insurance brokerage platform of Rahnamay Farda Insurance Services Company (شرکت خدمات بیمه‌ای راهنمای فردا), a privately held, family-owned insurance intermediary headquartered in Tehran, Iran. Operating since 1975 (formalized as a legal entity in 1998) and originally the official agency of Alborz Insurance (code 3234), the group serves both individual consumers and corporate clients. The online platform, launched in 2022, enables self-serve comparison and purchase of more than 50 policy types across 11 insurance lines (vehicle, fire, supplementary health, life, travel, liability, engineering, persons, cargo, mobile, accident) sourced from 9 contracted insurance providers including Alborz, Iran, Parsian, Saman, Dana, Asia, Taavon, Novin, and Razi. The platform supports same-day policy issuance up to 11 PM, free consultation 8 AM–11 PM, and dedicated corporate services including tender drafting, insurer evaluation, and claims advocacy from admission to reimbursement.

The platform is web-based with integrated insurer connectivity for real-time quote calculation, document upload, online payment, and digital policy issuance. Beyond the consumer-facing self-serve flow, the company operates a parallel enterprise/field-sales motion servicing government ministries (Ministry of Agriculture, Ministry of Foreign Affairs), state-owned enterprises (NIOC), and major corporates (Kerman Motor, IKCO, Dana Energy, GASS, Pasteur Institute of Iran). The platform holds an officially licensed brokerage registration (کارگزاری رسمی برخط) from the Central Insurance of Iran, electronic trust seal, and ISO 9001:2015, ISO 10002, and ISO 10004 certifications.

Revenue is generated primarily through insurance brokerage commissions from partner insurers on policies sold (B2C and B2B), supplemented by advisory and corporate service fees. Distribution is digital-first via rahnamayebimeh.com, supported by Telegram, WhatsApp, blog content marketing, and organic SEO, with a physical Tehran office for walk-in and corporate clients. The company reports having served over 1 million policyholders since inception.

Name

Rahnamayebimeh | راهنمای بیمه

Legal name

شرکت خدمات بیمه‌ای راهنمای فردا (Rahnama Farda Insurance Services Company)

Website

https://rahnamayebimeh.com

Company type

Private

Founded year

1979

Operating status

Operating

Headcount range

11–50 employees

Short description

Rahnamayebimeh is the online insurance brokerage platform of Rahnamay Farda, a privately held Tehran-based broker operating since 1975. It serves individual and corporate customers across Iran with comparison and online purchase of 50+ policies from 9 partner insurers.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210), Claims Adjusting (524291), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411), Services-Management Services (8741)

akta.pro primary industry

Eligibility, Coverage Verification & Policy Administration Support (BPAAAFAC)

akta.pro secondary industries

Telematics-Based Insurance & Usage-Based Rating (UBI) (TLABANAK), Insurance Claims Intake & FNOL Support (BPAAAFAA), Claims, Disputes & Chargeback Support (BPAAABAH)

Keywords

• Online insurance brokerage
• Multi-insurer comparison platform
• Instant policy issuance
• Corporate insurance services
• Claims advocacy management

Headquarters

HQ city

Tehran

HQ country

Iran

HQ region

Middle East

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Insurance Brokerage Commissions: Earns commissions from insurance companies for policies sold through the platform. Acts as an online insurance broker representing multiple insurers including Alborz, Iran, Parsian, Saman, Dana, Asia, Taavon, Novin, Razi, Pasargad, Mellat, Day, and Ma.
2. Corporate Insurance Services: Provides specialized advisory services to organizations including coverage analysis, policy drafting for tenders, insurer evaluation, and claims follow-up, likely generating service fees or commissions from insurers.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Rahnamayebimeh is an online insurance brokerage that compares and issues policies from 9 Iranian insurers (Alborz, Iran, Parsian, Saman, Dana, Asia, Taavon, Novin, Razi and others) across 11 insurance lines and 50+ policy types — including third-party, body, kilometer-based body, mobile, travel, supplementary health, accident, residential fire, cargo, supervisory engineer liability, and life insurance. Customers complete a short form to receive instant multi-insurer quotes, pay online, and obtain a same-day-issued policy (available until 11 PM). The company also runs a dedicated corporate services unit providing policy drafting for tenders, insurer capacity evaluation, comparative reporting, and full claims follow-up from hospitalization to reimbursement.

Product overview

Rahnamayebimeh is an online insurance broker comparison and purchase platform operated by Rahnamayefarda Insurance Brokerage Company. The platform offers over 50 specialized insurance policies across 11 insurance branches, enabling users to compare prices and purchase insurance policies online. The core product portfolio includes vehicle insurance (third party liability and body insurance including kilometer-based options), health insurance (individual/family supplementary and travel insurance), property insurance (fire and cargo), and liability insurance (engineer professional liability and accident insurance). The platform acts as an aggregator connecting customers with 9 insurance providers including Alborz, Iran, Parsian, Saman, Dana, Asia, and Taavon insurance companies.

Differentiator

Problem solved

Functional benefit

Products and services

• Third Party Liability Insurance (بیمه شخص ثالث) Mandatory vehicle third-party liability insurance covering bodily injury, property damage, and driver accidents; available with same-day online issuance until 11 PM daily.
• Vehicle Body Insurance (بیمه بدنه) Comprehensive vehicle body insurance covering accidents, theft, and fire damage for passenger and other vehicles.
• Saman Kilometer-based Body Insurance (بیمه بدنه کیلومتری سامان) Usage-based body insurance from Saman Insurance priced per kilometer package, designed for low-mileage drivers and capable of cutting body premiums by up to two-thirds versus standard body insurance.
• Mobile Phone Insurance (بیمه موبایل) Insurance for new and used mobile phones covering theft and damage, with payouts up to 80% of value and instant online policy issuance.
• Travel Insurance (بیمه مسافرتی) Travel insurance for outbound student, tourist, work, and pilgrimage trips, offered in 30,000 EUR and 50,000 EUR coverage tiers with optional COVID add-on and free physical policy delivery.
• Supplementary Health Insurance (بیمه درمان تکمیلی) Individual and family supplementary health insurance covering hospitalization, surgery, doctor visits, medicines, paraclinical services, and maternity; co-payment 10–30% and age-banded premiums (e.g., 50% surcharge for ages over 60).
• Individual Accident Insurance (بیمه حوادث انفرادی) Personal accident insurance providing 24/7/365 coverage for death, total or partial disability, and medical expenses.
• Residential Fire Insurance (بیمه آتش‌سوزی مسکونی) Fire insurance for residential properties (villas, apartments, residential complexes) covering fire, lightning, and explosion, with optional extensions for earthquake, theft, and pipe bursts.
• Domestic Cargo Insurance (بیمه باربری داخلی) Insurance for cargo transported within Iran covering fire and road accidents, with optional theft and loading/unloading coverage.
• Supervisory Engineer Liability Insurance (بیمه مسئولیت مهندسین ناظر) Professional liability insurance for supervisory engineers, designers, and structural analysts covering construction projects; insures financial damages, medical costs, death diyah, and disability diyah with cover periods of up to 10 years.
• Life Insurance (بیمه زندگی - عمر و سرمایه‌گذاری) Life and investment insurance with customer-determined premiums (one-time or recurring), 5–30 year policy terms, guaranteed capital growth, disability pension, retirement benefits, and the ability to borrow up to 90% of surrender value after 2 years.

Quantifiable outcome

• Over 1 million policyholders served since inception
• +3 more outcomes

Named customers12 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

13 partnerships are on record, tiered core and minor.

• Alborz Insurance (بیمه البرز)coreChannel Partner/ Reseller/ DistributorPhysical units of Alborz Insurance stationed at the brokerage. Long-standing partnership since at least 1358 (1979) when Rahnamayefarda was established as Alborz's registered agency (Code 3048), later upgraded to legal entity (Code 3234) in 1377. Awarded Gold Distinguished Agent for 16 consecutive periods.
• Iran Insurance Company (بیمه ایران)coreChannel Partner/ Reseller/ DistributorOne of 9 insurance providers contracted through the platform. Physical units of Iran Insurance stationed at the brokerage. Offers fire, vehicle, health, cargo, and other insurance lines.
• Parsian Insurance (بیمه پارسیان)coreChannel Partner/ Reseller/ DistributorOne of 9 insurance providers contracted through the platform. Physical units of Parsian Insurance stationed at the brokerage. Active in vehicle, health, and other lines.
• Saman Insurance (بیمه سامان)coreChannel Partner/ Reseller/ DistributorKey partner offering kilometric body insurance (بیمه بدنه کیلومتری), travel insurance (30K and 50K EUR plans), life insurance, and health supplementary. Physical units stationed at the brokerage.
• Dana Insurance (بیمه دانا)coreChannel Partner/ Reseller/ DistributorOne of 9 insurance providers. Physical units stationed at the brokerage. Offers travel insurance (including SOS partnership) and vehicle insurance.
• Asia Insurance (بیمه آسیا)coreChannel Partner/ Reseller/ DistributorOne of 9 insurance providers. Physical units of Asia Insurance stationed at the brokerage.
• Taavon Insurance (بیمه تعاون)coreChannel Partner/ Reseller/ DistributorOne of 9 insurance providers. Physical units of Taavon Insurance stationed at the brokerage. Active in supplementary health and other lines.
• Novin Insurance (بیمه نوین)minorChannel Partner/ Reseller/ DistributorInsurance provider partner offering supplementary health, travel, and other insurance products through the platform.
• Razi Insurance (بیمه رازی)minorChannel Partner/ Reseller/ DistributorInsurance provider partner. Offers life insurance and other products through the platform.
• Pasargad Insurance (بیمه پاسارگاد)minorChannel Partner/ Reseller/ DistributorPartner for travel insurance offerings. Listed as provider on the travel insurance page alongside Saman Insurance.
• Mellat Insurance (بیمه ملت)minorChannel Partner/ Reseller/ DistributorPartner for life insurance (بیمه زندگی) and other products. Listed among life insurance providers on the platform.
• Day Insurance (بیمه دی)minorChannel Partner/ Reseller/ DistributorPartner for supplementary health insurance (individual and group) and travel insurance. Listed among health insurance providers.
• Iranian Assistance (کمک رسان ایران / SOS)coreTechnology or IntegrationSOS International provides supplementary health insurance with international coverage and 3,400+ contracted healthcare centers in Iran. Offers home medical services, direct billing, and travel assistance. Rahnamayebimeh offers SOS supplementary health plans through the platform.

Scale indicators8 records

Recent moves10 records

Expansion highlights5 records

Direct peers

• PolicyBazaar (PB Fintech): India's largest online insurance aggregator and comparison platform. Highly comparable business model — multi-carrier online comparison, brokerage commissions across life, health, motor and other lines, plus enterprise advisory. Same aggregator-and-issuance motion scaled to a much larger geography.
• SelectQuote: US insurance comparison and distribution platform specializing in life, auto, home and health. Operates as a multi-carrier agent/broker with both online comparison and field-sales motion — directly comparable to Rahnamayebimeh's hybrid digital plus enterprise field-sales GTM.
• Coverfox (now Onsurity-adjacent): Indian online insurance aggregator offering multi-carrier comparison and purchase across health, life, and motor lines. Closest business-model analog: comparison-and-purchase platform earning brokerage commissions from partner insurers.

Emerging players

• Lemonade: Digital-first US insurance carrier using an app-based UX and AI-driven onboarding to sell directly to consumers. Represents the digital-native direction the broker model is evolving toward; relevant comparable for tech-led UX and instant issuance expectations.
• Zego: UK-based insurtech specializing in usage-based and telematics motor insurance for gig-economy and low-mileage drivers — directly comparable to Rahnamayebimeh's kilometric body insurance offering from Saman Insurance.
• Insurify: US digital insurance comparison and aggregator platform offering instant quotes across auto, home, and life from multiple carriers. Emerging player in the same aggregator category with similar instant-quote and instant-bind UX.

Broad incumbents

• GoCompare: UK insurance and financial services comparison platform covering motor, home, travel, life, and health with multi-carrier quotes. Established incumbent in the comparison-and-purchase category that Rahnamayebimeh competes in.
• Compare the Market: UK price-comparison website offering multi-carrier insurance quotes across home, car, travel, life, and pet. Comparable multi-line, multi-carrier comparison-and-issuance model at scaled incumbency.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/rahnamayebimeh

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Rahnamayebimeh | راهنمای بیمه