FatakSecure: India’s Simplest Insurance Suite

buyers never fully read. FatakSecure, offered through FatakPay Digital Pvt Ltd, is built to challenge that reputation with simple, digitally accessible protection for the moments that matter most. Rather than a single generic policy, FatakSecure functions as a growing suite of products, and three of its most well-defined offerings today are the Wellness Health Plan, Accident Kavach Insurance, and Cancer Protect. Together, these cover a meaningful part of everyday and critical risk: OPD care through Wellness, sudden accidental injury through Kavach, and a serious diagnosis like cancer through Cancer Protect. This blog looks at what each plan includes, how they compare, and why a suite-based approach makes insurance easier to understand and use. 

FatakSecure Wellness Health Plan 

The Wellness Health Plan is designed to cover every day, non-hospitalisation medical needs rather than large hospital bills. Doctor consultations, lab tests, preventive checkups, and pharmacy expenses are the kind of recurring costs that people often pay out of pocket, and this plan is built specifically around that gap. 

Plan Variants Compared 

This structure means a buyer can start small with the Classic plan for basic teleconsultation and discount access and step up to Premier or Supreme when preventive checkups and larger diagnostic wallets matter more. 

Eligibility and Coverage Basics 

• Available to individuals aged 18 to 65 years 

• Coverage can be extended to dependents such as a spouse, children, or parents, aged 3 months to 65 years 

• Valid for one year, covering incidents occurring within India only 

• Delivered and managed through the Bajaj Finserv Health App 

Core Benefits 

• Teleconsultation access to over 1.35 lakh doctors across 15+ specialities, with digital summaries shared via the app 

• Preventive Health Counselling, a complimentary session with a certified doctor for personalised health guidance 

• Preventive Health Checkup Voucher covering 47+ diagnostic tests, available only under Premier and Supreme 

• OPD Wallets for cashless or reimbursable consultations, plus a flat 10% discount on all OPD visits 

• Prescribed Lab and Radiology Wallets and discounts for tests like blood work, X rays, and scans 

• Diet and Nutrition Consultancy, Emotional Wellness Consultancy, and pharmacy discounts of 10 to 12% 

• Access to curated wellness content, expert articles, and webinars 

Most benefits carry a 30-day waiting period, while OPD and pharmacy discounts apply from day one. 

Filing a Claim on the Wellness Plan 

• Log in to the Bajaj Finserv Health App using the registered mobile number and select the active plan 

• Book consultations, tests, or vouchers digitally, then use cashless access at partner providers or opt for reimbursement elsewhere 

• For assistance, contact Bajaj Finserv Health at 020 48562555, or FatakPay support at [email protected] 

Accident Kavach Insurance 

While the Wellness Plan focuses on routine healthcare, Accident Kavach Insurance is built for a very different scenario: sudden, unexpected accidents. It is a standalone personal accident cover offered under the Group Care 360 product, with FatakPay Digital Pvt Ltd acting as the Group Master Policyholder. 

Overview and Premium 

• Insurance Cover Term: 1 year 

• Sum Insured: ₹10 Lakh 

• Premium: ₹349 per year, exclusive of GST 

• Coverage valid only for incidents occurring within India 

• Eligibility: individuals aged 18 to 65 years who are members of the insured group 

Core Benefits 

• Accidental Death Coverage of ₹10 Lakhs, paid to the nominee, including cases of accidental disappearance 

• Permanent Disability Coverage of up to 100% of the sum insured depending on severity 

• Accidental Hospitalization Cover with reimbursement up to ₹50,000 

• Hospital Confinement Allowance of ₹1,000 per day for up to 30 days, capped at ₹30,000 

• Children’s Education Benefit of ₹50,000 per child, for up to 2 children, in case of accidental death or disappearance 

• Transportation of Mortal Remains reimbursed up to ₹10,000 

Disability Coverage at a Glance 

Notable Exclusions 

• Preexisting diseases, treatment by unqualified practitioners, or self-medication 

• Injuries from professional sports, hazardous activities, or unauthorized flying 

• Self-inflicted injury, suicide, or impairment due to alcohol or drug abuse 

• War, nuclear, chemical, or biological contamination 

• Cosmetic or plastic surgery, unless required due to injury, cancer, or burns 

• Treatment taken outside India 

How Claims Work 

1. Notify the insurer within 30 days via WhatsApp at 8860402452 or the CHIL Genie App, to receive a Claim Reference ID 

2. Share policyholder details, hospital information, and preliminary diagnosis at the time of intimation 

3. Submit standard documents including the claim form, photo ID, discharge summary, original bills, and investigation reports 

4. For personal accident claims, additional documents such as an accident report or death certificate must be submitted within 30 days 

5. The insurer reviews and settles the claim once all documents are received; physical documents go to CARE Health Insurance Company Limited, Gurugram 

FatakSecure Cancer Protect 

Alongside Wellness and Kavach, FatakSecure also offers a dedicated cancer cover called Cancer Protect. This plan is built specifically around the financial shock that follows a cancer diagnosis rather than routine hospitalization, and it is meant to sit alongside an existing health policy rather than replace it. 

Overview and Premium 

• Insurance Cover Term: 1 year 

• Sum Insured: ₹5 Lakh 

• Premium: ₹799 per year, exclusive of GST 

• Coverage valid only for incidents occurring within India 

• Eligibility: individuals aged 18 to 60 years who are members of the insured group 

What the Plan Covers 

• A lump sum payout at diagnosis, meant to relieve immediate financial pressure so the focus can stay on treatment 

• Coverage across a wide range of cancer types, including breast, cervical, oral, and lung cancer, though minor skin cancers are typically excluded 

• Positioned as a supplemental layer on top of regular health insurance, adding protection specifically for cancer related costs 

• Support intended to offset both direct treatment expenses and indirect costs such as loss of income during prolonged care 

FatakSecure has generally positioned its products toward affordability for gig workers, blue collar employees, and lower to middle income individuals, and Cancer Protect follows the same approach. 

How to Buy It 

• Open the FatakSecure or FatakPay app and select the cancer insurance option 

• Choose a sum insured based on budget and family medical history, with ₹10 to ₹15 Lakh commonly recommended 

• Complete the application and payment digitally, with the policy issued without physical paperwork 

Since it works as a supplement rather than a primary hospitalization policy, Cancer Protect is best understood as a financial cushion layered on top of whatever base health cover a person already holds. 

Bringing It Together 

All three products, though built for very different situations, follow the same philosophy that defines the FatakSecure suite: clear eligibility rules, transparent premiums, digital claims, and coverage that is easy to explain in a few sentences. Wellness handles everyday medical needs, Kavach responds to sudden injury, and Cancer Protect adds a financial cushion for one of the most serious diagnoses a family can face. Together they already cover a meaningful spread of everyday and critical risk within a single app. 

As with any insurance product, it remains worthwhile for buyers to read the full policy of wording, understand waiting periods and exclusions, and confirm claim procedures before purchasing. Even so, the direction FatakSecure is taking, unified access, plain language, and fast digital claims, represents a meaningful step toward making insurance genuinely usable for the average Indian consumer.