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Home LoanFind customised home loan solutions for your unique needs
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Personal LoanMeet all your dreams and needs with a collateral-free Personal Loan
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Construction FinanceOur solutions with Flexible funding, project requirements to drive construction forward.
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Aditya Birla Capital LimitedAditya Birla Capital Limited (“ABCL”) is a listed systemically important non-deposit taking Non-Banking Financial Company (NBFC) and the holding company of the financial services businesses. ABCL and its subsidiaries/JVs provides a comprehensive suite of financial solutions across Loans, Investments, Insurance, and Payments to serve the diverse needs of customers across their lifecycles. Powered by over 66,000 employees, the businesses of ABCL have a nationwide reach with over 1,742 branches and more than 200,000 agents/channel partners along with several bank partners.
Nationwide Branches
1,742
No. of Employees
66,000
Agents/Channel Partners
2,00,000+
Aggregate Assets
INR 6 Lakh Cr
Consolidated Lending Book
INR 1.90 Lakh CrCorporate Governance Policies
- Policy for appointment of Statutory Auditors
- ABCL NRC Policy
- Corporate Social Responsibility
- Fair Practices Code
- Internal Guidelines on Corporate Governance
- Familiarization Programme for Independent Directors
- Disclaimers
- Ombudsman
- Privacy Policy
- Trademark Policy
- Vigil Mechanism / Whistle Blower Policy
- Regulatory Disclosure
Financial and Debt-Related Policies
Business and Partnership Policies
- Outsourcing FAQ’s
- Press Releases
- Our Digital Lending Platform Partners
- ABCL List of active CLA Partners
- List of Third parties
- Our Digital Referral Partners
- ABCL Collection and Recovery Agency List
- ABCL Terminated Collection and Recovery Agency List
- Importance of Following Repayment Schedule
- Scheme of Amalgamation
- SEBI Disclosures
- Interest Rates & Service Charges
- Discontinued Service provider list
- Terms & Conditions
- Fraud Awareness
- Archival Policy
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Digital WillA digital will is a legally valid document created through a secure online platform
Read about MoneyMoney management made easy
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Read about Retirement PlanKnow how to plan retirement well
Read about InsuranceInsurance and it's aspects for laymen
Read about InvestingInvestments and their jargon - simplified
Read about Loans and FinancingKnow all about loans and their management
Personal Loan EMI CalculatorEstimate your monthly loan repayments with Personal Loan EMI Calculator
Home Loan Eligibility CalculatorCalculate the expected EMI of your loan for easier repayments
BMI CalculatorIt measure your leanness or obesity basis your height and the weight.
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SWP CalculatorCalculate the Life Insurance cover you need to secure your family’s future
Experience ConseQuest- A game where your decisions drive your future.
Wisdom in Choices
What is Pocket Insurance?
Life’s uncertainties don’t always come with a warning - be it a sudden illness, job loss, or a minor accident on your daily commute. These are the moments when you wish for a little extra support. That’s where pocket insurance steps in - an affordable, targeted safety net that offers protection exactly when you need it most.
Also known as micro-insurance, pocket insurance is a small-ticket, purpose-specific insurance plan that covers you against everyday risks without the burden of high premiums. These plans are crafted to handle what traditional policies often overlook.
Unlike standard insurance policies, pocket friendly insurance is 100% digital, easy to buy online, and needs minimal paperwork. It provides fast, out of pocket medical insurance support and can be a smart complement to your main health policy - covering out of pocket insurance gaps that might otherwise be missed.
With flexible coverage, low premiums, and instant claims processing, pocket health insurance ensures you're protected - without overspending or overcommitting.
Instant Digital Purchase
Top Benefits
Affordability
Pocket insurance plans are designed to be budget-friendly, making them accessible to a wide range of people.
Flexibility
Pocket insurance plans can be customised to meet your specific needs.
Convenience
Pocket insurance is often available online or through mobile apps, making it easy to purchase and manage your plans.
Peace of Mind
Pocket insurance can provide peace of mind by protecting you against unexpected expenses.
Why to buy Pocket Insurance through ABCD
Why should you not wait to buy Pocket Insurance?
Emergencies don’t come with warnings. Without coverage, you may end up paying out of your savings. That’s why pocket insurance is a smart, affordable way to stay financially protected.
Benefits of Pocket Insurance
Pocket insurance offers a smart way to stay protected against day-to-day risks without spending a lot. From affordability to ease of access, here are the key benefits:
Our Pocket Insurance At A Glance.
Our pocket insurance plans offer comprehensive coverage for everyday risks, ensuring your financial security. From personal accidents to dental care and mental health support, our plans are designed to cater to your specific needs.
Eye Care
KEY FEATURES 
Insurance Cover
Upto 5 Vision Eye Care
Premium
Rs. 455/ Year
Dental Care
KEY FEATURES 
Insurance Cover
Up to 5 Sessions
Premium
Rs. 415/ Year
Hospicash Insurance
KEY FEATURES Insurance Cover
Rs. 1000/Day for 30 Days
Premium
Rs. 351/ Year
Mental Health and Nutrition
KEY FEATURES 
Insurance Cover
3 sessions for each
Premium
Rs. 555/ Year
Personal Accident
KEY FEATURES 
Insurance Cover
Rs. 5 Lakh
Premium
Rs. 176/ Year
Buy Pocket Insurance via ABCD
Get Insured to Buy Pocket Insurance via ABCD
● Go to the insurance section and click on ‘Pocket Insurance’.
● Select your desired pocket insurance category.
● Choose the specific pocket insurance product.
● Select the plan option that suits you best.
● Click ‘Continue’ and fill in your personal details.
● Fill in the nominee details in the next step.
● Sign the Good Health declaration if applicable.
● Review all the details.
● Complete the payment.
Documents Required
No documents are required to buy pocket insurance.
Check Your Eligibility Criteria for Pocket Insurance
Here's the eligibility criteria for a pocket insurance:
- ● Entry Age
Most pocket insurance plans are available for individuals aged 18 years and above.
- ● Citizenship
You must be an Indian citizen residing in India at the time of purchase.
- ● Medical Tests
No medical tests are required for most pocket insurance plans.
- ● Disclosures
You may be required to disclose pre-existing conditions or high-risk activities, based on the type of cover.
- ● Occupation
Some plans may not be available to individuals involved in hazardous occupations - check product T&Cs for details.
- ● Policy Specifics
Eligibility can vary based on the type of cover. Always refer to the specific plan details.
Things to Keep In Mind
Coverage
Understand the specific risks covered by the policy.
Exclusions
Be aware of any activities or conditions not covered.
Limits
Check the maximum amount covered per claim or per year.
Premiums
Compare premiums from different providers.
Claim process
Understand how to file a claim and the documentation required.
Get Insured In 4 Easy Steps
ABCD: One app for all your insurance needs
Secure yourself and your loved ones financially with life insurance. Buy online through the ABCD app and get instant coverage.
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Wide range of insurance policies -
Online premium payments
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Plan purchase in few clicks
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Customer Satisfaction Stories
Hear from our customers what they have to say about their experience.
Aditya Birla Health Insurance
Aditya Birla Health Insurance has been my companion in my weight loss journey of losing 17 Kgs and helping me stay disease-free. Health Returnsᵀᴹ keeps my whole family motivated to be active and stay fit and each person can do the exercise of their choice
Aditya Birla Health Insurance Customer
Delhi, India
Aditya Birla Health Insurance Customer
Staying healthy has become a way of life. I really enjoy using the Activ Health app that gives all my health solutions at one place.
Aditya Birla Health Insurance Customer
Noida, India
Aditya Birla Health Insurance
Understanding Pocket Insurance
Why is Pocket Finance Necessary?
Pocket finance helps protect your family’s future and out of pocket health insurance costs over time.
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Financial Security:
Protects your loved ones from financial stress in case of any unforeseen event. -
Investment Opportunities:
Lets you grow your money while staying financially protected. -
Tax Benefits:
Offers tax savings under Section 80C and Section 10(10D) of the Income Tax Act. -
Retirement Planning:
Helps you plan for a stress-free and financially secure retirement. -
Peace of Mind:
Gives reassurance that your family’s needs will be taken care of.
How Does Pocket Finance Work?
It works on a simple principle: secure your future by paying your pocket insurance premium.
Premium Payment
You make a one-time payment yearly based on your plan.
Financial Cover
Your family gets a lump sum if something happens to you during the policy term.
Long-Term Value
Some plans also offer maturity benefits or savings returns over time.
Online Management
Most plans can be purchased and managed online for ease and transparency.
What are the Types of Pocket Finance Plans?
Choose a plan based on your financial goals, age, and the kind of security you need.
Term Life Insurance
Covers you for a fixed period with affordable premiums.
Whole Life Insurance
Provides lifelong coverage with guaranteed payouts.
Universal Life Insurance
Flexible premiums and benefits that adapt to changing needs.
Variable Life Insurance
Combines life cover with investment options to grow your wealth.
When Should I Start Pocket Financing?
The sooner you start, the better your returns and the lower your premiums.
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Early Start
Buying young means cheaper premiums and longer financial growth.
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Life Milestones
Ideal when you start earning, get married, or have children.
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Future Planning
Helps secure long-term goals like home buying, education or retirement.
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Health Factor
Early start ensures eligibility before health issues may arise.
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Wealth Creation
Gives you more time to build value through compounding or savings-linked plans.
How Much Pocket Finance Coverage Do I Need?
Your ideal cover depends on your lifestyle, dependents, and future obligations.
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Income Replacement
Should cover 10–15 times your annual income for peace of mind.
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Family Needs
Factor in children’s education, spouse’s needs, and living expenses.
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Existing Loans
Account for home, personal, or education loans you may have.
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Inflation
Adjust coverage to match rising living costs over time.
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Future Goals
Include major goals like retirement or setting up a family fund.
What Should I Check Before Choosing a Pocket Finance Plan?
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Coverage
Ensure it protects your dependents adequately for all key needs.
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Premiums
Compare across insurers to get maximum value at a fair cost.
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Riders
Look for extra protection like accidental cover or critical illness.
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Claim Settlement
Higher settlement ratios indicate reliable claim processes.
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Customer Service
Choose insurers known for good service and hassle-free experiences.
Factors to Consider When Choosing a Pocket Finance Plan?
Choosing the right plan starts with knowing your financial needs and lifestyle.
Financial Goals
Match the plan to your short and long-term life plans.
Age & Health
Younger and healthier individuals get better premiums and longer cover.
Family Responsibilities
More dependents mean higher coverage is usually needed.
Budget
Pick a plan with premiums that you can sustain long-term.
Plan Flexibility
Look for options that allow upgrades or changes as life evolves.
FAQs on Pocket Insurance
Pocket Insurance covers accidental death, critical illness, hospital cash, personal accidents, and travel.
Premiums are generally low, starting at a few dollars per month.
Yes, you can but renewal terms may vary.
Personal information and proof of identity may be needed.
You must notify your insurer, provide documentation, and cooperate with the claims process.
The process varies by insurer but generally involves submitting required documents and cooperating with the claims department.
Yes, but you may have to pay the cancellation fees or penalties.
Some plans may have waiting periods, especially for pre-existing conditions.
Coverage varies by plan but typically includes accidental death, critical illness, hospital cash, personal accidents, and travel.
You must contact your insurer to update your information.
Yes, policies may have exclusions that limit coverage for certain events or conditions.
Yes, but this may increase your premium.
Contact your insurer and provide your claim number.
Contact your insurer and provide your personal information.
Your coverage may be terminated, but there may be a grace period.
Some insurers offer grace periods for missed payments.
Generally, you cannot. But there may be exceptions.
Contact your insurer to obtain a copy of your policy documents.
Generally, no, they are only valid in the country or region where purchased.
You should contact your insurer's customer support using the information provided on your policy documents.
Absolutely! You can purchase multiple covers (e.g. Hospicash + Personal Accident) based on your needs.
Most Pocket Insurance plans offer instant policy activation upon successful payment and submission of basic details. The policy document is usually emailed or made available on your app immediately.
Yes, Pocket Insurance plans are generally valid across India, unless specified otherwise. Be sure to check the geographic coverage mentioned in the policy document before purchase.
Absolutely. Many Pocket Insurance providers allow you to gift a policy by purchasing it in the name of a family member or friend.
Pocket Insurance typically covers specific events like hospitalisation, accidental injuries and more, depending on the type of plan you choose.
The duration of Pocket Insurance plans varies by product. Check the policy term before purchase.
No, most pocket plans don’t require any medical tests or long forms.
It depends on the policy. Some Pocket Insurance plans offer lump sum benefits (e.g., accident cover), while others work on a reimbursement basis (e.g., hospital cash). Review your policy terms to confirm.
Generally, coverage amounts cannot be changed once the Pocket Insurance plan has been issued. You would need to purchase a new policy with the desired sum insured if needed.
Yes, you can cancel pocket insurance within the free-lock period.
ABC Of Insurance
The information provided above is for awareness purposes only and does not constitute professional financial, investment, or insurance advice. Insurance products are subject to specific terms, conditions, exclusions, and eligibility criteria as defined by the respective insurers. All claims are subject to verification and will be settled by the policy documents issued at the time of purchase. We strongly recommend that you carefully read the product brochure, policy wording, and coverage details before making any purchase decision. Aditya Birla Capital does not accept any responsibility for decisions made solely based on the information provided here, nor for any loss or liability arising from the use or misuse of this content. For personalised guidance, please consult with a certified insurance advisor or financial expert