₹11 Diwali Insurance: Is Your ₹25K Cover Worth It?

PhonePe is selling firecracker accident insurance for as little as ₹11 this Diwali. The policy covers medical costs up to ₹25,000 if you or a family member gets hurt by fireworks. Here's what's actually covered and whether it's worth buying.

Here's what happened: PhonePe is offering a short-term firecracker accident insurance policy ahead of Diwali 2026, with premiums starting at just ₹11 for basic cover.. The policy is underwritten by Aditya Birla Health Insurance, an IRDAI-licensed insurer, and provides medical expense cover of up to ₹25,000 for firecracker-related injuries.. Cover is available directly through the PhonePe app for individuals and can extend to family members, making it accessible to millions of existing PhonePe users instantly..

What you should do: Open PhonePe, navigate to the Insurance section, and check the exact policy wording — confirm whether the cover applies per person or per family and note the policy start and end dates.. Save all hospital bills, doctor prescriptions, and pharmacy receipts if an injury occurs — claim rejection on micro-policies almost always happens due to missing documents, not the injury itself.. Check the claim intimation deadline in the policy terms — most micro-insurance policies require you to notify the insurer within 24 to 48 hours of the incident, or your claim can be rejected outright..

Pro tip: ₹25,000 cover may not stretch far in a private metro hospital — if you have an existing health policy, check if it already covers accidental burns so you are not double-buying without benefit.