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General Insurance

IDFC FIRST Bank is first in the industry to provide General Insurance Cover of up to Rs. 2 Lakhs* to safeguard your Shop, Office, manufacturing unit, etc.Read More

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Stay insured against

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Burglary and Fire & Allied Perils, Earthquake, Strom, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Tsunami, Flood & Inundation of ₹2 Lakhs

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Cash Counter for ₹50,000

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Neon Singboard damage of ₹10,000

Please refer to detailed Terms and Conditions – Click here.

Frequently Asked Questions

Who is eligible for free General Insurance cover under this offer?

All customers opening a new Current Account with IDFC First Bank are eligible for 1 year of free General Insurance cover. This offer is available to all customers opening Current Account till 31 March 2025.

Which type of current accounts are excluded from this Insurance offer?

All special purpose accounts EEFC/RERA/Escrow/FCY/OCA/NOCA/BC are excluded. 

How long is this Insurance Policy valid for?

The insurance policy will be valid for 1 year from the date of current account opening.

What is covered under this Insurance policy?

This policy covers the following

Coverages Amount (In Rs)
Burglary and Fire & Allied Perils, Earthquake, Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Tsunami, Flood & Inundation. 2,00,000
Cash in Counter 50,000
Neon Signboard damage 10,000

Whether Communication Address or Registered Address will be used for insurance under this policy?

Communication address on the account opening form will be covered under this Policy.

Will this policy cover be applicable for business locations outside India?

This Policy covers business location within India only.

Is there any specific requirement for an account to be eligible for a claim?

• At least 1 transaction should have been initiated by customer in current account during last 30 days before the incident date

• Closed Accounts will not be eligible for insurance claim

Will there be any communication sent out to customers informing them of their policy details?

Insurance company will send the mail to email ID of the customer registered in current account once the policy is issued.

Can customers opt for a Top--Up facility with this policy?

Top-up facility is not allowed on this policy.

Is co-working space as a business address covered under this policy?

No, this policy is not applicable to companies working from Co-working spaces.

What are basic Conditions & Exclusions of the policy?

Limit of Liability Per Account shall be Restricted to Rs 2 Lakh.

Exclusion


Terrorism Damage is excluded from the scope of the cover

 
Excluding money, monetary instruments and valuables of every description unless specifically covered.

 
Excluding personal effects of employees, visitors, and guests

 


Excess / Deductible

5% of claim amount subject to minimum of Rs. 5000/-

Terms and conditions on IDFC First bank website - 

https://www.idfcfirstbank.com/content/dam/idfcfirstbank/pdf/T-n-C-General-Insurance-in-Current-Account.pdf

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