Insurance on Debit Card

*Terms and conditions apply. Click here to view detailed terms and conditions.

Details of Insurance Cover

Starting With Lost Card Liability Purchase Protection Air Accident Personal Accident
Card Type: Visa Classic
42132425 1,00,000 50,000 Not applicable Not applicable
42132426 1,00,000 50,000 Not applicable Not applicable
All Other cards starting with 421324 25,000 Not applicable Not applicable Not applicable
Card Type: Visa Gold
42168105 1,00,000 50,000 Not applicable 5,00,000
(Death + PTD)
42168107 1,00,000 50,000 Not applicable 5,00,000
42168108 1,00,000 50,000 Not applicable 5,00,000
42168127 1,00,000 50,000 Not applicable 5,00,000
42168128 1,00,000 50,000 Not applicable 5,00,000
42168137 1,00,000 50,000 15,000,000 3,500,000
42168136 1,00,000 50,000 15,000,000 3,500,000
All Other Cards starting with 421681 1,00,000 50,000 Not applicable Not applicable
Card Type: Visa Titanium
52562214 1,00,000 50,000 Not applicable 5,00,000
(Death + PTD)
All Other cards starting with 525622 1,00,000 50,000 Not applicable Not applicable
Card Type: Visa Platinum
43639307 3,00,000 50,000 3,000,000 5,00,000
43639308 3,00,000 50,000 3,000,000 5,00,000
43639327 3,00,000 50,000 3,000,000 5,00,000
43639328 3,00,000 50,000 3,000,000 5,00,000
43639317 4,00,000 50,000 3,000,000 2,00,000
All Other Cards starting with 436393 4,00,000 50,000 3,000,000 Not applicable
Card Type: MasterCard Platinum
All Other Cards starting with 543751 4,00,000 50,000 3,000,000 Not applicable
Card Type: Visa Business Platinum
All Cards starting with 436395 3,00,000 50,000 3,000,000 Not applicable
Card Type: Platinum Plus
43639311 4,00,000 50,000 3,000,000 2,00,000
43639313 4,00,000 50,000 3,000,000 2,00,000
43639315 4,00,000 50,000 3,000,000 2,00,000
43639316 4,00,000 50,000 3,000,000 2,00,000
43639318 4,00,000 50,000 3,000,000 2,00,000
Card Type: Platinum Premier
43639314 4,00,000 50,000 3,000,000 2,00,000
43639337 4,00,000 50,000 3,000,000 2,00,000
Card Type: Platinum Select
43639323 4,00,000 50,000 3,000,000 2,00,000
43639324 4,00,000 50,000 3,000,000 2,00,000
43639333 4,00,000 50,000 3,000,000 2,00,000
43639334 4,00,000 50,000 3,000,000 2,00,000
Card Type: Duo
43639319 3,00,000 50,000 3,000,000 2,00,000
43639330 3,00,000 50,000 3,000,000 2,00,000
43639320 3,00,000 50,000 3,000,000 2,00,000
Card Type: Platinum Exclusive
43639325 3,00,000 50,000 3,000,000 5,00,000
43639326 3,00,000 50,000 3,000,000 5,00,000
43639335 3,00,000 50,000 3,000,000 5,00,000
43639336 3,00,000 50,000 3,000,000 5,00,000
Card Type: Signature/ Signature Select/ Signature Exclusive/ Signature Partner
All other cards starting with 405342 4,00,000 50,000 3,000,000 2,00,000
All Other Cards starting with 405338 4,00,000 50,000 3,000,000 2,00,000
Card Type: Pioneer
40533820 1,000,000 50,000 3,000,000 2,00,000
40350601 1,000,000 50,000 3,000,000 2,00,000
40350602 1,000,000 50,000 3,000,000 2,00,000
All Cards starting with 527898 1,000,000 50,000 3,000,000 2,00,000
Card Type: Rupay
607189 25,000 Not applicable Not applicable 2,00,000
Applicable only for PMJDY A/c Holders
607451 25,000 Not applicable Not applicable 2,00,000
Applicable only for PMJDY A/c Holders
652162 25,000 Not applicable Not applicable 2,00,000
Applicable only for PMJDY A/c Holders
608266 25,000 Not applicable Not applicable Not applicable
817590 (PMJDY Card*) Not applicable Not applicable Not applicable 2,00,000
Card Type: Forex
466522 2,00,000 1,00,000 1,000,000
(no condition of air ticket to be
purchased on the cards since this is a forex card)
Not applicable

The Insurance is provided by ICICI Lombard. To raise a claim, visit your nearest IndusInd Bank Branch.
For support from ICICI Lombard, contact at Toll Free Number 1800 2666 or write at ihealthcare@icicilombard.com

Major Terms & Conditions:

  • All covers are valid on cards only when customer has done 1 POS/Ecommerce/ATM transactions in the last 60 days  from the date of loss event happening
  • For Air Accident, Ticket should have been bought from the respective card only
  • Purchase Card protection:
    • Cover against Standard Fire and Allied perils and Burglary in residential premises only
    • Cover valid for purchases on respective  IndusInd Bank Debit Card only
    • Valid for 90 days from the date of purchase
  • All documents to be submitted within 30 days from the date of intimation to ICICI Lombard by the bank

How to claim Insurance:

  • In case of any claim, the claimant should inform IndusInd Bank  to visit the nearest branch ,within 7   days from the date of loss or damage
  • The claim to be intimated by IBL to ICICI Lombard within 7 working days from the date the bank is informed about the loss
  • IndusInd bank branch team to inform the claimant  about the documents required for processing the claim
  • The claimant should  submit the required  documents to ICICI LOMBARD through IndusInd Bank Branch
  • The admissibility of any claim will depend on the Terms & Condition of the policy, after positive review of the documents and investigation report submitted by the claimant. If applicable.
  • On admissibility, ICICI LOMBARD will make the payment to the beneficiary. The payment shall be made within 30 working days of receipt  of all complete documents, in case an investigation is not required and the document provided are not having any query/ambiguity

List of documents required to claim insurance:

Personal Accident(Non Air)h Air Accident Purchase protection
PA claim form duly filled in and signed by Nominee-Original Claim form duly filled in and signed by the Nominee-original Claim form duly filled & signed by customer
90 days card statement prior to date of loss 90 days card statement prior to date of incident along with transaction showing the purchase ticket for the travel Card copy
Copy of death certificate- Notarised/Attested by  Gazetted officer Copy of death certificate- Notarised/Attested by  Gazetted officer Copy of FIR-Notarized/Attested by Gazetted officer (In case of Burglary)
Copy of FIR-Notarized/Attested by Gazetted officer Copy of FIR-Notarized/Attested by Gazetted officer Card statement showing purchase details of the item lost
Copy of Post mortem report- Notarised/Attested by Gazetted officer Copy of Post mortem report- Notarised/Attested by Gazetted officer Incident letter by the customer
Copy of Panchnama(Spot and/or Inquest)- Notarised/Attested by Gazetted officer Copy of Panchnama(Spot and/or Inquest)- Notarised/Attested by Gazetted officer Purchase Bill for the item lost-Original
Treatment papers – if hospitalised Treatment papers – if hospitalised If claim amount > 1lakh,AML documents – Notarised/Attested by Gazetted Officer(Pan Card copy, address Proof,2 passport size photos of claimant
If claim amount > 1lakh,AML documents – Notarised/Attested by Gazetted Officer(Pan Card copy, address Proof,2 passport size photos of claimant If claim amount > 1lakh,AML documents – Notarised/Attested by Gazetted Officer(Pan Card copy, address Proof,2 passport size photos of claimant NEFT mandate form duly filled  in by the claimant and verified by the bank-Original
Indemnity cum declaration bond on a Rs.50/100/-stamp paper(Legal Heir certificate)-Original Indemnity cum declaration bond on a Rs.50/100/-stamp paper(Legal Heir certificate)-Original Cancelled Cheque- Original
Consent letter from other legal heirs on RS.50/100-stampe paper(No objection certificate by other legal heirs)-Original Consent letter from other legal heirs on RS.50/100-stampe paper(No objection certificate by other legal heirs)-Original In case of fire, Fire brigade report wherever available
NEFT mandate form duly filled  in by the claimant and verified by the bank-Original and cancelled cheque-original NEFT mandate form duly filled  in by the claimant and verified by the bank-Original and cancelled cheque-original  
  Accident report from Airlines/Airport Authority  

Note: The insurance co. may request for additional documents depending upon the claim lodged/investigation

*PMJDY Insurance: The Insurance is provided under PMJDY scheme. All relevant terms and conditions of NPCI are applicable for this Insurance program. To raise a claim, visit your nearest IndusInd Bank Branch and follow below steps.

Claim Process:

  • All the claims where incident has happened in the financial year, should be intimated to the dedicated claims id rupay@newindia.co.in.
  • IndusInd bank branch team to inform the claimant about the documents required for processing the claim.
  • The claimant should submit the required documents to Insurance company through IndusInd Bank Branch
  • All supporting documents relating to the claim must be submitted within sixty (60) days from the date of intimation.
  • Claim intimation should be within Ninety (90) days from the date of accident. In case where a person is hospitalized (and under a critical condition) and is unable to file claim within 90 days of loss/incident such claim cases will be accepted by The New India Assurance Co. Ltd. for investigation and honoured, if all terms under the policy are met as on date of accident.
  • A printed copy of the captioned intimation email should be sent to The New India Assurance Co. Ltd. along with all other documents.
  • The eligible claims will be settled in ten (10) working days from the date of receiving the complete documents set.
  • The admissibility of any claim will depend on the Terms & Condition of the policy, after positive review of the documents and investigation report submitted by the claimant. If applicable.

To know more about Insurance Claim process, please click here.

FD Rate FD Rate
FD Rate
Regular Fixed Deposit

up to 7.75% interest p.a

Senior Citizen

up to 8.25% interest p.a

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