General Questions? Look here

Can’t find an answer? Call us at +91-888-2-927-687 or email us at

  • What does a policy by Toffee do?

    Toffee offers insurance policies (by our insurance providers) that are just right for you. We’ve made it simple, digital, and quick. You look at your lifestyle, hand-pick a policy based on the risks you live with, and we work with insurance providers to cover them for you. Nothing more, nothing less.

  • Why a policy from Toffee?

    You work hard to make your money. Buying insurance here will take you a long way towards protecting your savings. If something happens to you, say an accident or an injury, the 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 a policy from Toffee different?

    We select our insurance providers carefully, to take the headache out of insurance. 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 quick, straightforward and all digital. You don’t need to call anyone but us. Claims are greatly simplified too - most will be approved within a day or so and the process is straightforward. Our philosophy - if things get faster and easier, we all benefit.

  • Who underwrites or backs the insurance policy?

    We are empanelled with top insurance providers as their corporate agent, such as HDFC ERGO, Tata AIG, Bajaj Allianz, HDFC Ergo Health, Religare, Manipal Cigna, ICICI Prudential, IndiaFirst and Future Generali Life to tailor specific policies for you.

  • How Do I Contact You?

    Send us an email at or call us at +91-888-2-927-687.

Claim Questions? Look here

Can’t find an answer? Call us at +91-888-2-927-687 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:

    HDFC Ergo:
    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.