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Home LoanFind customised home loan solutions for your unique needs
Balance TransferFind a better interest rate for your existing home loan
Top up Home LoanGet a loan on your existing home loan to meet your needs
Loan Against PropertyTurn your assets into a financial ally
Personal LoanMeet all your dreams and needs with a collateral-free Personal Loan
Flexi LoanMake loan repayment flexible and hassle-free with Flexi Loans
Instant Personal LoanGet quick funds with Aditya Birla Capital Instant Personal Loan
Long Term Personal LoanEnjoy affordable repayments and a flexible tenure with Aditya Birla Capital
Personal Loan EligibilityCheck your Aditya Birla Capital Personal Loan eligibility
Personal Loan Interest RatesEnjoy low personal loan interest rates for affordable repayments
Loan for SalariedLoan for Salaried, you don’t have to. Get quick funds without collateral and a flexible repayment tenure.
Loan for Self-EmployedLoan for Self-employed. Get quick funds without collaterals and a flexible repayment tenure for affordable EMIs.
Are you eligible for a Personal Loan? Find out now!
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Secured Business LoanBoost your business with competitive rates & flexible terms
Line Of CreditGet anytime funds, quick approval, & ongoing support with Line of Credit
Working Capital LoanStrengthen your business cash flow with quick access to funds & flexible repayment options
Supply chain financing Solution - Invoice DiscountingImprove your cash flow & gain quick access to funds by discounting your invoices
Unsecured Business LoanFuel your business with fast approval & flexible terms
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Construction FinanceOur solutions with Flexible funding, project requirements to drive construction forward.
Commercial Property PurchaseTurn your property vision into reality with flexible terms and competitive interest rates.
Lease Rental DiscountingSupporting real estate businesses in project completion
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CALCULATE NOWLoan Against SharesLeverage your investments with Loan Against Shares, while retaining ownership of your assets
Loan Against Mutual FundsUnlock the value of your investments while keeping your assets intact
Loan Against Life insurance PolicyGet loans for all your business needs at attractive rates
Promoter FundingEmpower your business growth with financial solutions to support expansion & ownership
Project FinanceTurn your ideas into reality with flexible funding to support your vision from start to finish
Structured FinanceUnlock customized financial solutions designed to meet the unique needs of complex business projects
Working Capital Demand LoanKeep your business running smoothly with quick access to funds for day-to-day operations
Term LoanAchieve your business goals with flexible repayment options & competitive rates for long-term growth
Debt FundsDiversify your portfolio and reduce risk with Debt Funds
Equity FundsInvest smartly in Equity Funds to aim for higher returns
Hybrid FundsDiversify your portfolio and reduce your risk with a mix of equity and debt
Retirement FundsGoal-oriented fund with a lock-in period to create a corpus for retirement
Children’s FundsSecure your child’s financial future with solutions-oriented children’s funds
Exchange Traded FundsUnlock a smart, hassle-free way to invest in various assets
Fund Of FundsChoose the smart way to diversify risks and grow investments
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Calculate wealth creation through lumpsum investment in Mutual Funds
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Start trading in equities and other securities. Grow your wealth with our Demat account.
Attractive returns- Liquidity
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Term InsuranceBring security and peace to life’s unpredictability
Retirement PlansGet a guaranteed regular pension plus lump sum on plan maturity
Savings PlansGet a guaranteed regular pension plus lump sum on plan maturity
ULIP PlansGet the benefits of insurance & wealth creation in one convenient plan
Find out how much life insurance you need with our Human Life calculator
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Health & Wellness PlansMake quality health care affordable and accessible
Super Top-up PlansGet extra coverage when you need it most
Active One Max PlansA comprehensive Health Insurance plan for all your healthcare needs
Health Saver CardThe Health Saver Card helps reduce expenses while keeping you healthier
Eye InsuranceProtect your vision with comprehensive eye insurance.
Dental InsuranceProtect your smile with comprehensive dental insurance and coverage plans tailored for you.
Hospicash InsuranceGet financial support with our hospital cash insurance for unexpected medical expenses.
Mental Health & Nutrition InsuranceGet the best mental health insurance online with ABCD Aditya Birla Capital today!
Personal Accident InsuranceSecure your future with our affordable personal accident insurance plans.
Tele OPD ConsultationsAccess convenient teleconsultation and video doctor consultations for your health needs.
Aditya Birla Capital LimitedAditya Birla Capital Limited (“ABCL”) is a listed systemically important nondeposit 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 68,400 employees, the businesses of ABCL have a nationwide reach with over 1,740 branches and more than 200,000 agents/channel partners along with several bank partners.
Nationwide Branches
1,740
No. of Employees
68,400
Agents/Channel Partners
2,00,000+
Aggregate Assets
INR 5.91 Lakh Cr
Consolidated Lending Book
INR 2 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
Life Insurance
Health Insurance
Mutual Fund
Home Finance
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Stocks & Securities
Credit TrackCheck your credit score and get tips on how to improve it
Health TrackHealthy living made easy with ABCD’s Digital Health Evaluation
Portfolio TrackBring your assets and liabilities under one platform
Spend TrackManage your money effectively with Spend Track.
Vehicle TrackCheck Vehicle & Car Insurance Status/Validity Online
Digital WillA digital will is a legally valid document created through a secure online platform
Read About LoansMoney management made easy
Read About TaxationUnderstanding direct and indirect taxes
Read About Citizen ServicesKnow how to plan retirement well
Read about InsuranceInsurance and it's aspects for laymen
Read About Credit & Banking Investments and their jargon - simplified
Read about InvestingInvestments and their jargon - simplified
Read About Personal FinanceKnow all about loans and their management
Read About PaymentsKnow 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.
Income Tax CalculatorCalculate the tax payable by you based on your income
SIP CalculatorEstimate the returns you can earn with your SIP investments
SWP CalculatorCalculate the Life Insurance cover you need to secure your family’s future
SSY Calculator Calculate Maturity Amount for your Recurring SSY
Personal Loan Eligibility Calculator Calculate the Personal Loan amount you are eligible for
Experience ConseQuest- A game where your decisions drive your future.
- Wisdom in Choices
- Life Optimised
- Simplifying Success
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
Affordability
Premium for pocket insurance on ABCD starts at just ₹176/year.
Easy to Use
The process to buy pocket insurance via ABCD is quick, straightforward, and can be completed within few minutes.
Simplified Pocket Insurance
ABCD has de-jargoned pocket insurance for customers.
Clear Coverage Information
ABCD provides an easy understanding of “what’s covered” and “what’s not covered” in a policy on the product details page.
Our Pocket Insurance At A Glance.
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.
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:
- ● Affordability
Pocket insurance plans are designed to be budget-friendly, making them accessible to a wide range of people.
- ● Flexibility
Customers can pick from a wide range of pocket insurance plans provided by ABCD.
- ● Convenience
Pocket insurance is available online or through mobile apps, making it easy to purchase and manage your plans.
- ● Low Premiums
Many plans start as low as ₹36/year, making them affordable for everyone.
- ● Targeted Protection
Covers specific risks like accidental hospitalisation without unnecessary extras and protects you against unexpected expenses.
- ● Instant Purchase
Buy plans in minutes - no long forms, no lengthy approvals.
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.
- ● Affordable Protection
Premiums start at just ₹36/year Even a ₹30 plan today could save you ₹5,000 in hospital bills or repairs tomorrow.
- ● Quick and Easy to Buy
It takes less time to purchase pocket insurance than to order food online. The fully digital process on ABCD lets you get covered in minutes - no lengthy paperwork.
- ● Smart Timing
Last-minute insurance means missed coverage. Most pocket health insurance plans need to be bought before an event like hospitalisation. Don’t wait - buy early and stay protected.
- ● Tailored to Real Life
From out of pocket medical insurance to minor accidents - ABCD offers small-ticket, purpose-built plans that match daily life needs.
- ● Clear, Jargon-Free Coverage
We’ve simplified insurance. Every plan comes with easy-to-understand coverage and exclusions so you always know what you’re getting.
- ● Inflation-Proof Your Healthcare
Medical costs keep rising. Even minor treatments today can be expensive. Locking in a low-cost pocket insurance plan now helps you stay ahead of inflation.
- ● Fast, Hassle-Free Claims
Claims are processed with minimal paperwork and digital tracking - so you spend less time worrying and more time recovering.
- ● Backed by Trust
ABCD partners with leading insurers and offers a secure, customer-friendly claim process - so your coverage is in safe hands.
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
Click on your profile section.
Select ‘Reports and Documents’
Choose ‘Pocket Insurance’.
Click on ‘Download Policy’ to download your policy details.
ABCD: One app
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
-
Plan purchase in few clicks
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Customer Satisfaction Stories
Arun Sharma
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
Mrs. Mangal Prathamesh Mithari
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
Shruti Davda
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.
-
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.
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