khUshi vs Bima Central
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- AI-powered customer service
- Policy details access
- KYC and address updates
- Premium payment
- Document downloads
- Renewal reminders
- Browse insurance plans
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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.
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.
- Integrated insurance access
- Consolidated view of protection
- Proactive claim readiness
- Beneficiary and nominee management
- Investment visualization
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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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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.
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.
| Parameter | khUshi | Bima Central |
|---|---|---|
| Price | Free | Free |
| Rating | 4.5 (32 ratings) — better | 1.5 (2 ratings) |
| Positive reviews | 22.2% of reviews — better | 12.8% of reviews |
| Number of ratings | 32 — better | 2 |
| Update frequency | Every 2 months | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.0 — better | 15.1 |
| Further details — not scored | ||
| Size | 110 MB | 38 MB |
| Age rating | 4+ | 4+ |
| Developer | PNB MetLife India Insurance Company Limited | Computer Age Management Services Limited |
Customer experience
khUshi
Bima Central
In-app purchases
khUshi
No in-app purchases
Bima Central
No in-app purchases
Questions
Is khUshi free?
Is Bima Central free?
Which has better reviews, khUshi or Bima Central?
Do khUshi or Bima Central have ads?
Which is updated more often, khUshi or Bima Central?
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