{"id":11941,"date":"2024-06-19T13:06:51","date_gmt":"2024-06-19T13:06:51","guid":{"rendered":"https:\/\/www.indusind.bank.in\/iblogs\/?p=11941"},"modified":"2026-10-01T14:17:45","modified_gmt":"2026-10-01T08:47:45","slug":"what-is-credit-card-insurance","status":"publish","type":"post","link":"https:\/\/www.indusind.bank.in\/iblogs\/credit-card\/what-is-credit-card-insurance\/","title":{"rendered":"What is Credit Card Insurance? A Detailed Guide"},"content":{"rendered":"\n<p>A credit card offers benefits such as instant access to credit, rewards and offers, privileges, and much more. But did you know that credit cards also offer insurance coverage?&nbsp;<\/p>\n\n\n\n<p>It is possible to avail financial protection against theft and loss of credit card. Coverage&nbsp;is also available for unfortunate events during travels.<\/p>\n\n\n\n<p>IndusInd Bank Credit Card offers two insurance programmes for its cardholders:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>The Total Protect program protects against unauthorised transactions in case of credit card loss\/theft.<\/li><li>The Travel Insurance Program covers unfortunate events during travel.<\/li><\/ul>\n\n\n\n<p>Let\u2019s learn more about credit card insurance and how it can benefit you as a cardholder.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Understanding Credit Card Insurance<\/strong><\/h2>\n\n\n\n<p>There are two types of credit card insurance coverage. Let\u2019s understand each type in detail.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. Insurance Coverage against Credit Card Loss\/Theft<\/strong><\/h3>\n\n\n\n<p>This insurance coverage works in the following manner:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>In case of loss or theft of the credit card, you must report the matter to the insurance company at the earliest. Also, you must inform the relevant authorities about it.&nbsp;<\/li><li>The credit card protection plancomes into action in such situations and protects against unauthorised transactions on the credit card.&nbsp;<\/li><li>The coverage amount under the plan can be equal to the credit limit on the card, including any add-on cards.<\/li><li>The insurance protection is valid for up to 2 days (including reporting day) before and 7 days after reporting the lost\/stolen credit card (including reporting day). This duration varies based on the card and the bank.&nbsp;<\/li><\/ul>\n\n\n\n<p>IndusInd Bank offers Total Protect, an insurance program that provides the above-listed benefits.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. Insurance Coverage against Unforeseen Travel Issues<\/strong><\/h3>\n\n\n\n<p>Many banks offer travel insurance coverage as a feature within their credit card to make their cardholders\u2019 travels easier and secure. This is how this credit card insurance policyworks:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>If you suffer an unfortunate event during your travels, such as loss of passport or baggage, missed flight connection, delayed baggage, and so on, you can raise a claim with your bank.<\/li><li>The bank compensates for the financial losses you may have suffered after a thorough investigation.&nbsp;<\/li><li>You must inform your bank up to 48 hours before your travel begins and within 48 hours of arrival in India to be eligible for such coverage.&nbsp;<\/li><li>The coverage amount for each type of loss covered by the card is usually pre-specified. The amount will not be more than the sum insured by the travel insurance program.&nbsp;<\/li><\/ul>\n\n\n\n<p>With selected IndusInd Bank Credit Cards, you can benefit from the Travel Insurance Program, which covers the following:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Loss of baggage, including loss of checked-in baggage.<\/li><li>Loss of passport<\/li><li>Delayed baggage<\/li><li>Lost Ticket<\/li><li>Missed Connection.<\/li><\/ul>\n\n\n\n<p>You can enjoy the Travel Insurance Program benefits with IndusInd Bank <a href=\"https:\/\/www.indusind.bank.in\/in\/en\/personal\/cards\/credit-card\/nexxt-credit-card.html?utm_source=iBlogs\">Nexxt Credit Card<\/a>, <a href=\"https:\/\/www.indusind.bank.in\/in\/en\/personal\/cards\/credit-card\/legend-credit-card.html?utm_source=iBlogs\">Legend Credit Card<\/a>, <a href=\"https:\/\/www.indusind.bank.in\/in\/en\/personal\/cards\/credit-card\/platinum-visa-credit-card.html?utm_source=iBlogs\">Platinum Visa Credit Card<\/a>, and other selected Credit Cards.<\/p>\n\n\n\n<p>Note that all insurance claims are subject to the terms and conditions of the coverage. It is advisable to read through the T&amp;C before raising a claim.&nbsp;<\/p>\n\n\n\n<p><strong>Also Read:<\/strong> <a href=\"https:\/\/www.indusind.bank.in\/iblogs\/credit-card\/credit-card-transaction-failed-money-debited-know-what-to-do\/\">Credit Card Transaction Failed: Money Debited? Here\u2019s What to Do<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Conclusion<\/strong><\/h2>\n\n\n\n<p>With credit card insurance, you can enjoy a sense of security during your transactions and travels and have better control of your finances.<\/p>\n\n\n\n<p>You can apply for IndusInd <a href=\"https:\/\/www.indusind.bank.in\/in\/en\/personal\/cards\/credit-card.html?utm_source=iBlogs\">Credit Cards<\/a> and benefit from solid insurance coverage instantly! The application process is 100% paperless and digital, and you can get instant approval!&nbsp;<\/p>\n\n\n\n<p>So, what are you waiting for? <a href=\"https:\/\/induseasycredit.indusind.bank.in\/customer\/credit-card\/new-lead\">Apply Now<\/a> for an IndusInd Bank Credit Card today!\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A credit card offers benefits such as instant access to credit, rewards and offers, privileges, and much more. But did you know that credit cards also offer insurance coverage?&nbsp; It is possible to avail financial protection against theft and loss of credit card. Coverage&nbsp;is also available for unfortunate events during travels. IndusInd Bank Credit Card&#8230;<\/p>\n","protected":false},"author":13,"featured_media":11942,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1383],"tags":[],"class_list":["post-11941","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/www.indusind.bank.in\/iblogs\/wp-json\/wp\/v2\/posts\/11941","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.indusind.bank.in\/iblogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.indusind.bank.in\/iblogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.indusind.bank.in\/iblogs\/wp-json\/wp\/v2\/users\/13"}],"replies":[{"embeddable":true,"href":"https:\/\/www.indusind.bank.in\/iblogs\/wp-json\/wp\/v2\/comments?post=11941"}],"version-history":[{"count":8,"href":"https:\/\/www.indusind.bank.in\/iblogs\/wp-json\/wp\/v2\/posts\/11941\/revisions"}],"predecessor-version":[{"id":21155,"href":"https:\/\/www.indusind.bank.in\/iblogs\/wp-json\/wp\/v2\/posts\/11941\/revisions\/21155"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.indusind.bank.in\/iblogs\/wp-json\/wp\/v2\/media\/11942"}],"wp:attachment":[{"href":"https:\/\/www.indusind.bank.in\/iblogs\/wp-json\/wp\/v2\/media?parent=11941"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.indusind.bank.in\/iblogs\/wp-json\/wp\/v2\/categories?post=11941"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.indusind.bank.in\/iblogs\/wp-json\/wp\/v2\/tags?post=11941"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}