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Key Features
Plans Starting From ₹104* Credit Score Secure: Your financial shield in uncertain times
Coverage Highlights
Get comprehensive protection for your financial worriesSachet Plans
Modular credit score protection plans designed with flexible tenures of 2, 3, or 6 months
Affordable Premiums
Plans designed to offer higher coverage at competitive pricing enabling Credit score protection
Digital On boarding
Simple and easy on-boarding journey
No Sub Limits
Benefit from Comprehensive coverage with no sub limits for different covers
Note
*Premium for Standard Plan option for a tenure of 2 months
Key Inclusions
What is covered?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.
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
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.
Cyber Fraud
Pays the benefit amount for financial loss due to unauthorized online transactions and fraudulent online purchases
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.
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.
Note
Please refer the policy wordings for detailed inclusions
Key Exclusions
What's not covered?Income Protection (Loss of Job Insurance)
Voluntary resignation, retirement, or termination during probation, unemployment from casual, seasonal, or contractual jobs
Waiting period
This plan won’t cover any incident that happens before the policy starts or during the waiting period defined
Pre-Existing Conditions
Any illness or injury existing before policy inception won’t be covered.
Business Interruption Cover
Losses from deliberate acts by the insured or representatives, claims arising from war, rebellion, or terrorist acts are not covered.
Family Emergency Cover
Self-Inflicted Injuries, Accidents occurring while under the influence of alcohol or drugs are excluded from coverage
Pre-Existing Conditions (PEDs)
Any disability or injury arising from a medical condition that existed before purchasing the policy is generally excluded
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
Note
Please read the policy wordings for detailed exclusions
Download these documents for more details
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
Take Charge of Your Health & Earn Rewards–Start Today!
Be proactive about your health–set goals, track progress, and get discounts!
Your Personalised Health Journey Starts Here
Discover a health plan tailored just for you–get insights and achieve your wellness goals
Your Endurance, Seamlessly Connected
Experience integrated health management with us by connecting all aspects of your health in one place
Step-by-Step Guide
How to Buy
1
Visit the Bajaj General Insurance website
2
Fill in the lead generation form with accurate details
3
Get quote, make payment and receive the policy documents
How to Renew
1
Contact the Policy Issuing Office
2
Review expiring policy and share necessary details
3
Receive renewal quote
4
Make renewal payment
5
Receive the renewed policy documents via email
How to Claim
1
Contact us through our customer service touchpoints
2
Submit the claim form along with the necessary documents
3
Provide details of the incident and any supporting evidence
4
Cooperate with the claims investigation process
5
Receive the claim settlement as per the policy terms
Know More
1
For any further queries, please reach out to us
2
Toll Free : For Sales :1800-209-0144
3
Email ID: careforyou@bajajgeneral.com
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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.
Aryan Verma
Karnataka
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.
Jaya Dhawan
Maharashtra
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!
Manish Garg
Uttar Pradesh
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.
Meera Rishi
West Bengal
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.
Sujal Sharma
New Delhi
10th Jan 2025
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.
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.
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 .
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.
Premiums depend on Income or business size, industry type, risk exposure, and coverage amount. Insurers assess these elements to determine the policy cost.
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)
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:
Most Credit Score Secure insurance policies are offered on short term basis for a validity period of two, three or six months.
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
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.
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.
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.
You should renew your insurance before expiration to avoid coverage gaps. Reviewing your policy early allows time for adjustments if needed.
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.
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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