Meet Dhaal: Qunjee's New Insurance Marketplace for Pakistan
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Dhaal is an insurance marketplace where you browse plans from multiple insurers, compare coverage and premiums in one place, and buy the one that fits your budget.
Every provider listed on Dhaal is licensed and regulated by the Securities and Exchange Commission of Pakistan. Nothing on the marketplace is an unregistered agent working off a WhatsApp number.
That's also what makes Dhaal different from asking around for a "guy who does insurance." Every quote comes from a real company, with a real policy behind it.
Four Steps to Getting Covered
Here's what the process looks like once you land on the Dhaal page:
- Tell Dhaal whether you need health, motor, home, travel, life, or business cover.
- Compare premiums, coverage, and benefits from each partner side by side.
- Pick the provider and plan that fits your budget.
- Buy online and get your policy documents right away.
Every step happens on the same screen. No phone tag, no waiting for someone to call you back with a quote.
Dhaal Provides the Three Kinds of Cover Most Households Ask For
Three categories are live on Dhaal today, each pulling quotes from more than one provider.
Health plans cover hospitalization, outpatient visits, maternity, and critical illness. Pick a provider whose hospital network you already trust.
Vehicle plans cover bikes and cars against theft, accidents, and third-party liability.
Home and property plans cover fire, theft, natural disaster, and structural damage, for owners, renters, and small shopkeepers alike.
Who Gets the Most Out of Dhaal
- First-time buyers get a plain comparison instead of a confusing agent conversation.
- Families can line up health cover for hospitalization, maternity, and routine visits in one search.
- Vehicle owners can price bike and car cover side by side before renewing.
- Property owners can protect a home, a shop, or a rental unit against fire and theft.
- Small businesses can cover inventory, equipment, and liability without hiring a broker.
Why This Beats Calling Around Yourself
Insurance in Pakistan hasn't suffered from low demand. It's suffered from friction: five numbers to dial, five forms to fill out, and no easy way to compare prices.
Dhaal removes the friction, not the choice. You still pick your own provider, just with every option sitting in front of you at once.
Get Covered Through Dhaal
You don't need to call five companies to protect your bike, your family, or your home.
Compare plans on Dhaal and pick the one that actually fits, then download the Qunjee app to manage it easily.
Frequently Asked Questions
What is Dhaal, and how is it different from calling an insurance company directly?
Dhaal is Qunjee's insurance marketplace. Instead of contacting each insurer on your own, you compare plans from multiple providers in one place and buy the one you want.
What kinds of insurance can I compare through Dhaal?
Health, vehicle, and home & property plans are live now. Motor, life, travel, and business cover are also part of the marketplace as more partners join.
Can I get Shariah-compliant insurance through Dhaal?
Yes. Pak-Qatar Takaful, one of Dhaal's launch partners, offers Shariah-compliant Takaful plans alongside the conventional options from other providers on the marketplace.
How fast can I actually get covered?
Once you pick a plan and pay online, your policy documents arrive right away. There's no waiting on a callback from an agent.
Does comparing plans on Dhaal cost anything?
No. Browsing and comparing plans on Dhaal is free. You only pay once you choose a plan and buy it.