General Questions? Look here

Can’t find an answer? Call us at +91-8690383365 or email us at

  • What’s a Toffee?

    A Toffee is an insurance policy that is just right for you. We’ve made it simple, digital, and quick. You look at your lifestyle, pick a Toffee based on the risks you live with, and we cover them for you. Nothing more, nothing less.

  • Why Would I Need a Toffee?

    You work hard to make your money. Getting a Toffee will take you a long way towards protecting your savings. If something happens to you, say an accident or an injury, the hospital bills add up. That’s where we come in. You live your life, we do the worrying.

  • How Does Toffee Work?

    We work with major insurance providers to create policies that are simple and affordable to just meet your needs. Each policy is underwritten by an insurance heavyweight, so there are no issues during claims.

  • How’s Toffee Different from other Insurance?

    We take the headache out of insurance. No weighing comparing premiums, no filling out complicated forms, no wading through terminology, and no waiting on claims. Since we’ve taken a lot of the complications out, your purchase is minimal and all digital. You don’t need to call anyone. Claims are greatly simplified too - most will be approved within two hours and the process is straightforward. Our philosophy - if things get faster and easier, we all benefit.

  • Can I Buy a Toffee? Am I Eligible?

    Our Toffees are tailored to match an individual's lifestyle and does have a few exclusions. However, they're quite straightforward such as not covering pre-existing conditions. We'll let you know all the relevant details on a given Toffee during the purchasing process.

  • Who Provides the Insurance?

    We are working with major insurance providers such as Apollo Munich, HDFC Ergo, ICICI Prudential, Religare, Tata AIG and Future Generali to tailor specific Toffee Policies for you.

  • How Do I Contact You?

    Send us an email at or call us at +91-86903-83365.

  • How Do I Know What My Toffee Covers?

    You can see the summary of benefits for each Toffee and download policy details during the buying process. Upon purchase, we’ll send you a Toffee Card and Cover Note. The insurance provider will send you a detailed Policy Document for your perusal within 2 hours of purchase.

  • This is Great. Can I add Friends/Family/Significant Others to my Policy?

    Not yet, sorry. In the meantime, separate policies may be purchased for close family and friends.

Claim Questions? Look here

Can’t find an answer? Call us at +91-8690383365 or email us at

  • How Do I File a Claim?

    There’s a Claim button at the top of the landing page. Click on it and we’ll walk you through the process. For Cashless, please refer to the insurance policy document sent to you on email. Here are the links for the network of hospitals that accept cashless payments:

    Apollo Munich:
    HDFC Ergo:

  • What do I need for a Claim?

    We will need government-issued Aadhaar cards, original receipts, original prescriptions. For loss or theft-related claims, we will need original receipts and police reports.

  • How Soon Can I Expect to Receive the Money?

    Simple claims, for example OPD or small amounts, will be approved within two hours and money settled in 24 hours. Complex claims like theft or accidents will take longer. We’ll still be there to help you get the money as soon as possible, within 3-5 working days.

  • How Will I Get Paid for a Claim?

    After you complete the claim report on the Toffee homepage, you will be asked to enter your bank account wire information. Once your claim is approved, we’ll issue payment directly into your account.