Nowadays, it's really important to buy the insurance protection plan for your mobile, which you'll need most of the time for your mobile phone screen. As because, roughly 33 percent of people either lose or break their phone according to Plaxo. That means, 33 out of 100 people broke their mobile phone screen as per the survey held by Plaxo. Even, one-third of iPhones get broken each year.
About 45 percent of cell phone owners will accidentally damage their phones. Damage of your cell phone is most likely to take place in your home, while you're watching TV, cooking in the kitchen, or even in the toilet! A lots of people actually look for the solution of how they can keep their phone screen safe, or how they can restore the screen in case they still broke their screen. We all put glass on their phone scree to keep it safe but still you can't do anything if you still broke your phone screen accidently.
The only solution you can get is, protecting your phone by the mobile insurance protection plan even you can get the all type of phone damages insurance plan whether it's for screen, water damage, physically damage etc. That's why, it's important to buy the right mobile insurance plan so you don't have to pay every time you damage your phone right. There are a lot of mobile insurance companies and plan you can get, but here we're talking about the 'Bajaj Finserv' mobile insurance.
Is It Really Worth To Buy The Bajaj Finserv Mobile Insurance Plan?
There are several mobile insurance companies like Syska Gadget Secure, OneAssist, SyncNscan, Times Global Assurance etc. but all of you've heard of Bajaj mobile insurance more often then any of these or any other mobile insurance companies. The only question remain same is, is it really worth to buy Bajaj mobile insurance?
Let me tell you that, actually I've personally used Bajaj mobile insurance and I believe you can get better mobile insurance plan then the Bajaj cause it's not worth it cause there are several reason for that.
Process of How Bajaj Finserv Mobile Insurance Works :
Currently, Bajaj Finserv offers two mobile insurance plans -
1. CPP Mobile Protect (With Complimentary Mobile Device Cover) - Device must be purchased within 15 days - Pricing starts from 1215 INR , Also Includes Gaana plus, ZEE5 subscriptions etc.
2. CPP FONESAFE LITE (With Complimentary Mobile Screen Cover) - Device must be purchased within 45 days - Pricing starts from 649 INR.
You can buy the Bajaj Finserv mobile insurance coverage while purchasing your new mobile phone device or you can directly buy through their website - https://www.bajajfinserv.in/mobile-screen-insurance. You can also find all the related details from their website such as coverage T&C etc.
The Claim Process & Drawbacks :
As I've personally used Bajaj Finserv mobile insurance coverage plan but I really don't liked their whole claim claim process. Here's why?
1. The claim process is very confusing, first you'll have to register for your insurance claim by calling their customer care number (Which isn't their toll-free number and you'll have to pay per minute during the call, no matter if you've current active calling plan), provide your IMEI number, insurance policy number, explain how you your handset was damaged etc.
2. They don't provide the cashless insurance coverage, that means when you'll have to claim for your insurance? you'll have to pay the whole repair cost first from your pocket, and the mobile should be repair from the mobile company service center (You'll have to pay much more money to repair your handset). It means, no matter you've money or not? you'll still need to pay from your pocket.
3. Once you register for your insurance claim, you'll have to visit your mobile phone company service center, repair your phone by paying money from your pocket.
4. Once you repaired your phone, you'll have to collect your handset repair slip (invoice), damaged part of your handset etc. and mail to Bajaj Finserv head office as per the instructions. Along with your bank account check etc. (See full instructions on the link provided above).
5. Once you done, you may've to wait for up to 45 to 60 days (Or more then 60+ days) and the repair cost payment will be transferred to your bank, If you're eligible to claim your mobile insurance money (See full T&C).
This is how, I am very disappointing with the mobile insurance coverage plan provided by Bajaj Finserv. I've been paying around 2000 INR per month for the mobile insurance coverage plan, still I've to pay the full repair cost from my pocket including, wait for more then 2 months to get my money back, still there are some chances you can't be eligible for the claim. Previously, I was using OneAssist mobile insurance and they've the better process to claim for the insurance.
So before you buy insurance coverage plan for your mobile, from Bajaj or any other insurance companies, you should see their claim and the whole process of how they works.
Disclaimer: This is the personal experience / opinion about the above mentioned company/companies by accessing their services/products. There's no other involvement of any other / third party on this post / reviews or any sponsored posts or anything.
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