Comparison

khUshi vs Bima Central

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

khUshi

This AI-powered insurance app simplifies policy management, allowing users to access details, update personal information, and make payments. It acts as a 24/7 personal assistant for all your insurance needs, offering reminders and easy access to documents.

Highlights
  • AI-powered customer service
  • Policy details access
  • KYC and address updates
  • Premium payment
  • Document downloads
  • Renewal reminders
  • Browse insurance plans
Features
Read full description

About Us: Say Hello to ‘khUshi’ - Your very own PNB MetLife customer service App powered with Artificial Intelligence. ‘khUshi’ is a one-of-a-kind insurance app that simplifies customer service experience for policy related queries, anytime, on-the-go. Being a smart insurance app, khUshi makes customer service a whole lot smarter by providing details about your policy such as fund value, nominee details and many more. She takes requests to update your KYC, address change, contact details & more. khUshi can set reminders so that you never forget important tasks like premium due date. Key features: • Ease of Login: Login on app via multiple modes making it easier and most convenient for you to access. • In-App payment: Easy and hassle-free payment of premium of your insurance policy. • Real-Time Access To Policy Related Information: With our online insurance app stay up-to-date with your insurance policy details such as insurance policy renewal, summary of your fund and fund value, Nominee details, Sum Assured Amount & Premium Due Date; khUshi knows it all. • Update & Track Your Personal & Policy related Details on-the-go: You can now update your policy details, on-the-go, anytime. Whether your contact information, bank details, or KYC documents like PAN Card, Aadhaar; you can change & update all these details. For every request, khUshi also provides a service token number on a real-time basis for further reference with which you can track the status of the request. • Download Receipts & Statements: Get easy access to your policy related documents like premium receipts & notices, premium paid certificate & account statements. • Just Like Your Personal Assistant: khUshi is a customer servicing assistant who is available for you 24x7. She has capabilities to set policy renewal reminders, address your insurance related queries, & a whole lot more. • Our Insurance Solutions: The user-friendly interface of this life insurance mobile app also makes it easier for you to browse our various insurance plans such as – Family Protection Solutions Retirement Plans Long-term Savings Plans Group Solutions Child Education Plans ….and more! But wait, there’s more! We will be coming up with more new features shortly… Simple steps to install & start using ‘khUshi’ – Our online insurance application on your device: • Download PNB Metife khUshi application from App store. • Login to the app using your PNB MetLife website ‘customer login’ credentials or ‘register’ to create your login credentials • You are now ready to interact with ‘khUshi’ using your device! For any feedback, queries or issues pertaining to ‘khUshi’ application, please write to indiaservice@pnbmetlife.co.in To know more about PNB MetLife: khUshi, download the app today or - For further details, visit our website: https://www.pnbmetlife.com/ Follow us on Facebook: https://www.facebook.com/PNBMetLife Follow us on Twitter: https://twitter.com/PNBMetlife1 Follow us on Instagram: https://www.instagram.com/pnb_metlife/ Follow us on LinkedIn: https://www.linkedin.com/company/pnb-metlife-india-insurance-co-ltd Follow us on YouTube: https://www.youtube.com/user/pnbmetlife What’s new New and better look & feel for an improved user experience with better login. You can now experience a faster, smarter & more convenient way of paying your premium on khUshi App You can track your service request raised from any touch points easily.

About

Bima Central

This app offers a unified platform to manage all your insurance policies. It provides a clear overview of your coverage, helps you prepare for claims, and visualizes your insurance protection and investments.

Highlights
  • Integrated insurance access
  • Consolidated view of protection
  • Proactive claim readiness
  • Beneficiary and nominee management
  • Investment visualization
Features
Read full description

Bima Central provides single window, integrated access to aggregated insurance benefits. Making the benefits real (tangible) and visible – insurance delivered as it must. Proactive claim readiness always – includes beneficiaries, nominees & family members A consolidated view of insurance protection & investment – Visualizing what you have as well as what you don’t have.

Screenshots

khUshi4 screens
Bima Central4 screens

Verdict

The call

The clearest difference is rating: khUshi at 4.5 against Bima Central's 1.5. khUshi also leads on ratings volume (32 vs 2) and review sentiment (22% vs 13%). Bima Central's advantage is update cadence (every 3 weeks vs every 2 months). On price, ads, in-app purchases and monetization model there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

khUshi holds the better App Store score, 4.5 against 1.5. That said, the two scores are not equally well evidenced: khUshi has 32 ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 22% of khUshi's written reviews are positive against 13% of Bima Central's.

UpkeepUpdate frequency

khUshi ships an update every 2 months, Bima Central every 3 weeks. The most recent releases landed on October 9, 2026 and October 13, 2026 respectively.

Scorecard4 real differences · 6 level
khUshi versus Bima Central: the parameters behind the verdict, then further details
ParameterkhUshiBima Central
PriceFreeFree
Rating4.5 (32 ratings) — better1.5 (2 ratings)
Positive reviews22.2% of reviews — better12.8% of reviews
Number of ratings32 — better2
Update frequencyEvery 2 monthsEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.0 — better15.1
Further details — not scored
Size110 MB38 MB
Age rating4+4+
DeveloperPNB MetLife India Insurance Company LimitedComputer Age Management Services Limited

Customer experience

khUshi

All ratings32 ratings
Positive90.6%
Neutral3.1%
Negative6.3%
Written reviews9 reviews
Positive22.2%
Neutral0.0%
Negative77.8%

Bima Central

All ratings2 ratings
Positive0.0%
Neutral0.0%
Negative100.0%
Written reviews47 reviews
Positive12.8%
Neutral2.1%
Negative85.1%

In-app purchases

None

khUshi

No in-app purchases

None

Bima Central

No in-app purchases

Questions

Is khUshi free?
khUshi is free to download, with no in-app purchases.
Is Bima Central free?
Bima Central is free to download, with no in-app purchases.
Which has better reviews, khUshi or Bima Central?
khUshi is rated higher. khUshi averages 4.5 out of 5 from 32 ratings, while Bima Central averages 1.5 from 2 ratings.
Do khUshi or Bima Central have ads?
Neither khUshi nor Bima Central shows ads.
Which is updated more often, khUshi or Bima Central?
khUshi ships an update every 2 months, and Bima Central every 3 weeks. Most recently, khUshi was updated on October 9, 2026 and Bima Central on October 13, 2026.

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