Affinity · Cyber Insurance
Protect your users from the fraud they can't see coming
UPI fraud, identity theft, online shopping scams, social media liability - digital India is exposed in ways users don't fully understand. Bharatsure's cyber insurance gives your platform a defensible reason to keep users subscribed, and a real financial backstop when fraud happens.
FRAUD PROTECTION
UPI & net-banking shield
FUND RECOVERY
Direct theft restitution
Cover details
The protection scope, sub-covers and tenure options available - configurable per your platform and user segment.
Digital Protect
Covers theft of funds, online shopping fraud, identity theft and social media liability.
Included coverage
- UPI/net banking fraud
- Unauthorised card transactions
- Identity theft
- Online shopping fraud
- Social media defamation liability
For: Anyone who transacts or socialises online - neo-bank users, UPI app users, e-commerce shoppers, crypto investors
Which platforms embed Cyber Insurance
Cyber Insurance works across a wide range of industries and trigger moments. We scope both together so the cover appears exactly when your user needs protection.
Embeds at
Neo-banks & UPI Apps
Cyber cover embedded at account activation - protects users from UPI fraud
E-commerce & D2C
Shopping fraud protection bundled with premium subscription
Credit Card & BNPL
Fraud protection cover for card/BNPL users at onboarding
Creator Platforms
Identity theft and social media liability for content creators
Crypto & Investment
Fund theft protection for investment platform users
Dating & Matrimony
Identity protection for users sharing personal data on the platform
Gaming & Fantasy Sports
Account takeover and fraud protection for high-value gaming accounts
Why Bharatsure
Built around real user moments
We help platforms package, trigger and service cyber insurance at the exact point where users already need protection, with product design, insurer rails and claims operations working as one stack.
A defensible subscription reason
Cyber cover gives users a concrete financial reason to stay subscribed to digital platforms
Low premium, high perceived value
Users understand the risk of online fraud; a small monthly premium feels like an obvious decision
Instant claims
Fund theft claims are time-sensitive; our claims desk is built for speed on cyber products
Live on the platform
Partners who have embedded this product.
Digital subscription platforms
Digital Protect
Coverage
Theft of funds up to ₹10L, identity theft cover, and online shopping fraud cover. Premium from ₹25/month.
10,000+
lives covered to date
Outcome
A defensible reason for users to subscribe - and a real financial backstop when digital fraud happens
How it embeds
A user downloads a file that turns out to be malware, exposing their OTP to a scammer who drains their bank account. The cyber insurance cover pays out the lost amount up to the sum insured - so the user doesn't bear the full financial loss of an attack they couldn't have prevented.
Common questions
View all FAQsYes. Cyber insurance is well-suited to monthly subscription models - the premium is low and the trigger is account activation or subscription renewal.
Typically an FIR, bank statement showing the fraudulent transaction, and screenshots of the fraud event. Bharatsure's claims desk guides users through the process and follows up with the insurer.
Coverage depends on the policy variant. UPI fraud triggered by social engineering is a nuanced area - Bharatsure will clarify the exact coverage position when scoping the product for your platform.
Give your users a financial backstop against digital fraud
Protect your users from fraud, data loss and digital risk at the exact screen where it matters. Tell us your platform and the trigger - sign-up, transaction or subscription - and we'll scope embedded cyber cover issued in real time through a single API.
