Small Insurances, Big Difference. | Toffee Insurance

The only insurance plan
you’ll ever need.

We are so committed to simplifying insurance, we offer one
single plan that takes cares of all your insurance needs.

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+2 LakhsPeople Insured

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98.1% ClaimSettlement Rate

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3 Daysto Settle Claims

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170+ CitiesCovered

Toffee is making insurance sweeter.

Simple, hassle-free process

Toffee covers more, so you can worry less. Instead of looking for different insurance policies, with Toffee you just buy one plan.
(Thank. You. Universe.)

All-inclusive & flexible coverage

Toffee’s one insurance plan practically does the work of ten. Get end-to-end coverage in easy, simple steps across health, life and household depending on your needs. Payments are in easy, monthly instalments and insure everyone from a single person to a family of 4.

Zero paperwork

Unlike typical insurance policies, Toffee is an online plan that is completely paperless, flexible to your needs and easy-peasy to buy. Ta-da!

Superfast sign-up

Nobody wants to spend hours buying insurance (groan!). So we’ve made signing-up super quick. Toffee is completely online and easy to understand. Try us.

Someone you can trust

Toffee is backed by some of the most trusted names in the insurance industry such as Tata AIG, Religare, IndiaFirst, ICICI Prudential and HDFC Ergo. It’s an exclusive product offering which means you pay the lowest possible rate for the best possible insurance. Brilliant, isn’t it?

Customised monthly payments

Big fat bills? Not us. Enjoy the convenience of easy monthly payments that cut down your insurance expenses in small bite-sized amounts. You can start, renew and stop when you like or adjust your plan and payments as per your needs.

98.1% Claim Settlement Rate. Woo hoo!

People everywhere love Toffee

Commonly Asked Questions

  • OK, again, what is Toffee Insurance?

    Toffee Insurance is insurance simplified. With just one plan, you get protected for your health, life, household expenses and much more.

    Instead of figuring multiple plans for your health, life and household, you can simply pick one Toffee plan and insure yourself or add as many as 4 family members’ health insurance under the same plan. Easy, monthly payments give you peace of mind and secure you and your family’s future.

    So when it comes to health - should you or a family member fall sick or needs hospitalisation, day care or home treatment, your expenses will be covered by us for up to 5 Lakhs (for each family member). You can also avail cashless facility in our network of over 7400 hospitals across the country, which is hassle-free, convenient and saves you a ton of time.

    Similarly, with our household insurance, you get covered for theft, damage or loss of your personal belongings for up to 5 Lakhs and repair for mechanical or electrical home appliances like fridge, AC, oven microwave and air cooler for up to 1.25 Lakhs.

    And lastly, you secure your family’s future in safe hands with our life insurance that covers a sum of upto 75 Lakhs in case of permanent disability or death.

    That’s it. Multiple insurance benefits with one plan. No fuss, no hassle, just Toffee.

  • Toffee takes the headache out of choosing and using insurance. Toffee is a unique and exclusive combination of insurance products that are selected from the most trusted and top insurance companies. You get a unique combination of insurance benefits across health, life, household and a lot of other important things you had not thought of.

    We know insurance can be painful so we’ve worked super hard to make it easy to understand, simple to use and quick to process.

    Our process is all digital that means zero paperwork, no complicated forms and no waiting on the claims. It’s just one plan that does it all, which means no hassle of buying multiple plans and no confusion on checking through different insurance policies.

  • Great question! You did what felt right for your health and life needs then. Also, life insurance from work typically doesn’t offer you the kind of coverage that can take care of your loved ones’ and your responsibilities toward them once you’re gone. Lucky for you, things have become simpler, convenient and hassle-free with Toffee Insurance all-in-one Combo plan, which not only pays great cover under life and household (Home Appliances & Theft/damage) but in your worst case scenario, covers COVID-19 hospitalisation expenses under health insurance as well.

    Considering that this is the first ever comprehensive plan in India, we would always suggest you review your existing benefits and relook at what you have and what you can get. Switching to Toffee is very easy, and you can always connect with us at +91-93-89-93-89-38 for more hands-on help from us in making the switch!

  • Glad you asked that. Yes, under its health insurance coverage, the Toffee Insurance Plan covers all your hospitalisation expenses for COVID- 19, if tested positive. This coverage is not limited to just the current coronavirus (COVID-19) outbreak but extends to other diseases as well. For a more detailed list of all the diagnoses covered, check out our plan details here.

  • A household insurance policy basically offers protection for your home and your household items against a variety of risks. These risks could be in the form of loss, theft or damage to the property, valuables as well as the appliances like ACs, fridges, washing machine, etc. covered under it.

    For more details on the benefits under the plan, just see the coverage inclusions here.

  • Toffee Insurance is a simple plan that covers all your needs in health, life, household and more. You can make easy monthly payments through typical methods like credit/debit card, Netbanking, UPI and others. Because the security of your transaction details is top-priority for us, we use Razorpay payment gateway that keeps things quick and secure.

    In case you’d like to make payments simpler and opt for automated payment deductions every month, you’ll be requested to use either a credit card or sign up for eNach (Auto-deduct feature for your monthly payments on a set date).

  • Yes, you are still eligible to buy Toffee Insurance, but not as an online product. To ensure your Toffee Insurance Plan is just as per your needs, simply give Toffee a call on +91-93-89-93-89-38 and we’d walk you through all checks that are needed.

    Depending upon your situation, we may need a medical report or check-up before the Toffee Insurance Plan can be issued to you. However, typically, a special pre-existing condition is never a deterrent in buying our policy, except in some cases which our team would be happy to address over a personalised call.

  • That’s a great question! The medical checks typically are required when you’re either above 40 or have a pre-existing condition(s).

    For the rest under-40 with no chronic health condition, there is no medical check-up required, whether you decide to include your family under your Toffee Insurance Plan or just yourself.

  • Toffee looks out for you even after you’ve bought the plan. We offer to cover your 1 monthly payment; in case you miss your payment or are unable to do so. The payment Toffee makes on your behalf is easily adjusted in your next monthly cycle, so your payments keep going without causing you any inconvenience.

  • Typically, none. The Toffee Insurance Plan is for everyone, and mostly works for you and your needs in all scenarios. Having said that, in certain exceptional cases where the customer has a critical pre-existing health condition, there are rare chances of the insurance plan being rejected by the insurance provider.

    In case you have a pre-condition healthwise, we recommend you get in touch with Toffee at +91-93-89-93-89-38 so we can walk you through the checks needed to ensure you buy a plan that meets your needs.

  • As many as you’d need, as long as you don’t exhaust your cover. For all your health and household claims, you get an upper limit of 3 Lakhs and 1.25 Lakhs respectively and you can file any number of claims (as long as you keep renewing your policy) as long as you are still not over your coverage limit.

    In case of Life Insurance, you get an overall coverage of 25 Lakhs that your family can claim in case of your death or diagnosis for a terminal illness.

  • Funny you should ask that. We are called Toffee, because just like one, we offer sweet insurance benefits in smaller, bite-sized insurance plans. We make insurance simpler, faster and accessible for everyone. Sweet!

    We believe insurance should be a good fit for your current needs and above all, should be easy. With one Toffee Insurance Plan, we attempt the same by bringing one plan that you’ll ever need.

  • Because Toffee Insurance is the only plan you’ll ever need, the focus is on simplifying insurance and making it accessible for everyone.

    We take out the unnecessary fluff and focus on convenience, flexibility and great returns for anyone who chooses the Toffee Insurance Plan.

    So all you do is make tiny monthly payments (did we tell you we also cover your missed installment for you for 1 month) and Toffee takes care of your health, life and household and a lot more, from reimbursements, treatments to repair.

    Worried about your family’s health in the current COVID-19 outbreak? Simply opt for our Toffee Insurance Plan and include their health insurance coverage in your plan instantly. That’s the power of a (good) Toffee!

  • Nobody likes to think about death but if it does happen, isn’t it good (and important) to leave something behind for your family? Besides, Life Insurance is an important aspect of financial planning especially when you support a partner, children or ageing parents. In addition to providing monetary support for everyday living expenses after your death, your family needs insurance to cover any outstanding debts, like mortgages, credit cards and car loans. It also enables you to add a blanket of financial security in the lives of your children with aids for their higher education, marriage or independent business ventures. Simply put, life insurance is a good idea for anyone who doesn't want to leave their family burdened financially.

  • You should. Your life matters, for you as well as people in your family who care about you, and whose lives are dependent on you.

    With life insurance, you can make sure that even when you are not around, your children, your partner/parents are looked after and don’t have to compromise on their future lifestyle and education needs.

    As a thumb rule, your life insurance coverage should pay out 10 times your annual income (if you’re the single earner in your family) and at least 5 times your annual income (in case your spouse/family members are also working).

  • In easy terms, the Claim Settlement Rate for an insurance provider tells you what’s their success rate when it comes to actually getting the claims settled and the policy holder receiving the reimbursements. Typically, a lot of claims every year are rejected by insurance companies on account of incomplete information or process issues. So the higher the claims settlement rate, the more trusting the insurance plan.

    Now, is ours good? We enjoy a claim settlement rate of 98.1% across 1,15,000 policies sold so far, and we only plan to grow from here. So to answer your question, yes, ours is good (very good actually).

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