Truecaller Fraud Insurance Policy: Know its eligibility, coverage amount, how to file the claim, and other important information

In the digital age, financial fraud has become increasingly prevalent, with India losing a staggering Rs 1.25 lakh crore to cyber crimes in the last three years, as reported by the Indian Cyber Crime Coordination Centre. To combat this growing threat, Truecaller, in partnership with HDFC Ergo, has launched a fraud insurance policy under its "Cyber Sachet" product. This policy aims to offer financial protection to users affected by fraudulent activities through calls or SMS. Below, we explore the key aspects of this insurance policy, including eligibility, coverage amount, how to file claims, and more.

Truecaller Fraud Insurance eligibility

The Truecaller fraud insurance policy is designed to be accessible to a wide range of users. The eligibility criteria include:

• Indian residents aged 18 years or older.
• Foreigners using an Indian phone number, regardless of SIM card ownership.
• Indian residents temporarily traveling abroad can also benefit from the insurance.

The policy is inclusive and allows any individual with a Truecaller account to protect themselves from financial fraud, provided they meet the basic eligibility criteria.

Truecaller Fraud Insurance: Coverage amount and benefits

One of the standout features of the Truecaller fraud insurance policy is the coverage it offers:

• Maximum coverage: Users can claim up to Rs 10,000 in reimbursement for funds lost due to call or SMS fraud on their registered Truecaller number.
• Applicable users: The coverage is available for both Android and iOS users across India.

This insurance is designed for non-business, non-professional users, offering financial protection at no extra cost to premium users. While it may not fully protect against large-scale fraud, it is effective in safeguarding against smaller losses.

How to access Truecaller Fraud Insurance

Truecaller has simplified the process of accessing fraud insurance for both existing and new users.

For existing users

If you're an existing Truecaller user with one of the following yearly subscriptions—assistant, assistant family, premium, premium family, or gold—the fraud insurance comes bundled at no additional cost. Simply ensure your app is up to date, and the coverage will automatically activate.

For new users

New users can access this insurance by subscribing to any of the following Truecaller plans:

• Premium
• Premium Family
• Gold Yearly Subscription

Upon subscribing, the fraud insurance will be made available without any extra charge.

How to enable Truecaller Fraud Insurance coverage

Activating the fraud insurance is a straightforward process that can be done directly through the Truecaller app:

• Open the Truecaller app and navigate to the Premium tab.
• Follow the prompts to activate the fraud insurance.

This is a one-time registration that renews automatically with your premium subscription. Importantly, no additional documentation is required to enable the coverage, making the process hassle-free.

Truecaller Fraud Insurance Policy: How to file a claim

In the unfortunate event that you become a victim of fraud, Truecaller's insurance policy offers a clear and user-friendly way to file a claim. Here’s how you can proceed:

• Verify subscription: Ensure that you have an active yearly Truecaller premium subscription.
• Activate fraud insurance: Make sure that the fraud insurance has been activated through the premium tab in the app.
• Submit your claim: If you experience fraud (such as accidentally sharing your bank details over a phone call or entering them on a fraudulent website), go to the premium tab and initiate a claim.
• Complete claim registration: You will be redirected to HDFC Ergo to complete your claim registration process.

Frequency of claims

Truecaller’s fraud insurance allows users to file multiple claims within a year. However, the total claim amount for the year is capped at Rs 10,000. This flexibility ensures that even if users experience multiple small-scale frauds, they can still file claims until the total reaches the coverage limit.

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