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    Credit Score Secure

    Credit Score Secure

    MyHealthCarePlan

    Key Features

    Plans Starting From ₹104* Credit Score Secure: Your financial shield in uncertain times

    Coverage Highlights

    Get comprehensive protection for your financial worries
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    • Sachet Plans

    Modular credit score protection plans designed with flexible tenures of 2, 3, or 6 months

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    • Affordable Premiums

    Plans designed to offer higher coverage at competitive pricing enabling Credit score protection

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    • Digital On boarding

    Simple and easy on-boarding journey

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    • No Sub Limits

    Benefit from Comprehensive coverage with no sub limits for different covers

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    • Note

    *Premium for Standard Plan option for a tenure of 2 months

    Key Inclusions

    What is covered?
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    • Income Protection (Loss of Job Insurance)

    Protect your credit score with a plan that pays a chosen benefit to salaried individuals facing income loss due to involuntary unemployment or medically certified inability to work.

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    • Loan Protection

    Safeguard your repayment schedule with coverage that pays the remaining loan amount in case of accidental death or permanent disability, helping prevent repayment default

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    • EMI Protection

    Maintain your credit score with coverage that pays outstanding EMIs (up to the chosen Sum Insured) in case of involuntary unemployment, accidental death, or permanent disability.

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    • Cyber Fraud

    Pays the benefit amount for financial loss due to unauthorized online transactions and fraudulent online purchases

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    • Business Interruption Cover

    Pays the chosen benefit if your business stays closed for the minimum specified days due to physical damage from events like fire, natural disasters, riots, or explosions.

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    • Family Emergency Cover

    Pays the chosen benefit amount if you or an immediate family member suffers an accident during the policy period resulting in death, permanent disability, or hospitalization for over 5 consecutive days.

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    • Note

    Please refer the policy wordings for detailed inclusions

    Key Exclusions

    What's not covered?
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    • Income Protection (Loss of Job Insurance)

    Voluntary resignation, retirement, or termination during probation, unemployment from casual, seasonal, or contractual jobs

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    • Waiting period

    This plan won’t cover any incident that happens before the policy starts or during the waiting period defined

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    • Pre-Existing Conditions

    Any illness or injury existing before policy inception won’t be covered.

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    • Business Interruption Cover

    Losses from deliberate acts by the insured or representatives, claims arising from war, rebellion, or terrorist acts are not covered.

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    • Family Emergency Cover

    Self-Inflicted Injuries, Accidents occurring while under the influence of alcohol or drugs are excluded from coverage

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    • Pre-Existing Conditions (PEDs)

    Any disability or injury arising from a medical condition that existed before purchasing the policy is generally excluded

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    • Cyber Fraud

    This policy doesn’t cover losses from careless handling of personal or banking information, known risks before the policy started, or frauds already reimbursed by banks. Physical damage, stolen devices, trading losses, and events like war or terrorism are not covered either

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    • Note

    Please read the policy wordings for detailed exclusions

    Advantages of buying this product

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    Tailored Plan Choices

    Choose from multiple plan and tenures to protect your credit score

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    One Policy. Multiple Safeguards

    Comprehensive coverage that cushions uncertainities from affectting your credit profile

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    Credit Profile-Driven Protection

    Coverage recommendations based on your credit score and occupation

    Policy Documents

    Download these documents for more details

    Health Companion

    Healthassessment

    Track, Manage & Thrive with Your All-In-One Health Companion

    From fitness goals to medical records, manage your entire health journey in one place–track vitals, schedule appointments, and get personalised insights

    Healthmanager

    Take Charge of Your Health & Earn Rewards–Start Today!

    Be proactive about your health–set goals, track progress, and get discounts!

    Healthassetment

    Your Personalised Health Journey Starts Here

    Discover a health plan tailored just for you–get insights and achieve your wellness goals

    Healthmanager

    Your Endurance, Seamlessly Connected

    Experience integrated health management with us by connecting all aspects of your health in one place

    Step-by-Step Guide

    To help you navigate your insurance journey

    How to Buy

    • 1

      Visit the Bajaj General Insurance website

    • 2

      Fill in the lead generation form with accurate details

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      Get quote, make payment and receive the policy documents

    How to Renew

    • 1

      Contact the Policy Issuing Office

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      Review expiring policy and share necessary details

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      Receive renewal quote

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      Make renewal payment

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      Receive the renewed policy documents via email

    How to Claim

    • 1

      Contact us through our customer service touchpoints

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      Submit the claim form along with the necessary documents

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      Provide details of the incident and any supporting evidence

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      Cooperate with the claims investigation process

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      Receive the claim settlement as per the policy terms

    Know More

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      For any further queries, please reach out to us

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      Toll Free : For Sales :1800-209-0144

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      Email ID: careforyou@bajajgeneral.com

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    What Our Customers Say

    Smooth Buying Process

    The online policy purchase was quick and seamless. I could easily compare multiple options and choose the best one for my needs. The entire process was hassle-free, and I received my policy instantly.

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    Aryan Verma

    Karnataka

    4.6

    15th Jan 2025

    Exceptional Customer Support

    The customer support team was extremely helpful and guided me through every step. They promptly answered my queries and ensured a smooth experience. I am happy with the service.

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    Jaya Dhawan

    Maharashtra

    5.0

    8th Feb 2025

    Instant Policy Issuance

    I was amazed at how fast I got my policy. The process was very user-friendly, and within minutes of completing the payment, I received my documents. Highly recommended!

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    Manish Garg

    Uttar Pradesh

    4.8

    22nd Dec 2024

    Hassle-Free Claims Process

    The claim process was smooth and efficient. The team handled everything professionally, making sure I didn’t face any difficulties. It was truly a hassle-free experience.

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    Meera Rishi

    West Bengal

    4.7

    3rd Feb 2025

    Best Value for Money

    The policy offers great coverage at an affordable premium. The features are well-designed, and I feel secure knowing I made the right choice. Great service overall.

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    Sujal Sharma

    New Delhi

    4.9

    10th Jan 2025

    FAQ's

    What does a credit score secure policy cover?

    A credit score secure insurance policy provides coverage for Loan and/or EMI protection, business interruptions and liability risks. It safeguards businesses personnel against financial losses due to unforeseen events like fire, theft, natural disasters, or legal liabilities. This ensures business continuity and financial stability during crises.

    Who should purchase a Credit Score Secure Insurance Policy?

    This policy is beneficial for Salaried ,Self Employed ,Family persons,small and medium businesses, retailers, service providers, and manufacturing units. It provides comprehensive financial security.

    What is the death and permanent total disability cover under policy?

    Under Family Emergency Policy, Death Cover ensures that if the insured suffers an accidental bodily injury during the policy period that results in death the nominee receives the sum insured as per the selected plan .

    How does the claim process work for Credit Score Secure insurance?

    Filing a claim involves notifying the insurer, submitting required documents, & undergoing a verification process. Once approved, the insurer disburses the claim amount to cover losses. A quick and hassle-free claim settlement helps businesses recover without financial strain. Timely claim submission and accurate documentation speed up the process.

    What factors affect the premium of a credit score secure insurance policy?

    Premiums depend on Income or business size, industry type, risk exposure, and coverage amount. Insurers assess these elements to determine the policy cost.

    What types of covers are available?

    Some common types include EMI Protect , Loan Protection , Business Interruption, cyber insurance (which safeguards against data breaches) and Family Emergency (Covers Death , PTD and accidental hospitalisation)

    What is an Income Protections Insurance Cover?

    Income Protection Insurance (Benefit Cover) is ideal for salaried individuals employed by registered companies or organizations on the company's payroll. Coverage Includes - Involuntary Loss of Job due to Commercial Reasons (Merger & acquisition, Closure of the establishment/work unit/factory as per government or public authority directives) or Involuntary Loss of Job due to Medical Reasons:

    What is the validity period offered for a Credit Score Secure Insurance policy?

    Most Credit Score Secure insurance policies are offered on short term basis for a validity period of two, three or six months.

    What is an Family Emergency Insurance Cover?

    A family emergency cover offers financial protection against unforeseen accidents. It covers accidental death, permanent disability, and medical expenses incurreddue to injuries. This policy ensures that you and your loved ones are financially secure in case of accidental mishaps

    How do I file a claim under my Credit Score Secure Insurance policy?

    First, the business must immediately notify the insurer about the incident. Next, necessary documents such as claim forms, invoices, and evidence of loss must be submitted. The insurer will then conduct an assessment or survey to verify the claim before disbursing the approved amount. 

    What can lead to the rejection of a commercial insurance claim?

    Claims can be rejected due to various reasons, such as policy exclusions, late claim submission, incorrect or incomplete documentation, misrepresentation of facts, or failure to meet policy terms. For example, if a business fails to implement safety measures required by the policy, the insurer may deny the claim. 

    Can I appeal if my claim is rejected?

    Yes, if a claim is denied, businesses can file an appeal with the insurer by submitting additional supporting documents or explanations. If the issue remains unresolved, businesses can escalate it through the insurer’s grievance redressal mechanism or approach the Insurance Ombudsman for further review.

    When should I renew my liability insurance policy?

    You should renew your insurance before expiration to avoid coverage gaps. Reviewing your policy early allows time for adjustments if needed.

    How do I check my insurance renewal date?

    You can find your policy expiry date on your policy documents. If you're still unsure, it's best to contact your insurance provider or agent directly to confirm the policy details.

    What documents are needed for insurance renewal?

    Insurers typically require your current policy details, claim history, updated business information, and financial records. Some may request risk assessment reports or compliance documents.

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