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Credit Card Free Insurance Benefits: Travel, Purchase Protection & Real Value (2026)
Bhai, India me bohot saare log credit card use to karte hain, par unka free insurance benefits ka full use nahi karte. Har bank card me travel insurance, purchase protection, fraud cover, lost card protection jaise benefits hote hain — aur sab zero extra cost par milte hain.
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| Credit Card Free Insurance Benefits: Travel, Purchase Protection & Real Value (2026) |
Is article me main aapko simple me batane wala hoon ki in free benefits ka real value kya hai, ye kaise kaam karte hain, kin conditions me valid hote hain, aur kaun se traps se bachna chahiye.
1) Travel Insurance – Kya Cover Milta Hai?
Agar tum flight ticket credit card se book karte ho, to travel insurance automatically activate ho jata hai.
Typically covers:
- Lost baggage
- Flight delay / cancellation
- Passport loss abroad
- Emergency medical assistance (limited)
Limitations:
- Only if ticket booked via that card
- Medical coverage bohot low hota hai
- High exclusions (pre-existing not covered)
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2) Purchase Protection – Sabse Useful Benefit
Credit card se kharide items (mobile, laptop, TV, electronics) damage ya theft ho jaye to bank claim pay karta hai.
Usually covers:
- Accidental damage
- Theft within 90 days of purchase
- Fire damage
Not covered:
- Liquid damage (mostly)
- Lost item (without theft proof)
- Used products
3) Fraud Protection – Zero Liability Cover
Agar tumhara card lost ho jaye aur koi misuse kare, to banks zero liability protection dete hain — tumse payment nahi liya jata.
Key points:
- Immediately report loss → full protection
- Online fraud / skimming covered
- International transactions also included
4) Credit Card Insurance vs Standalone Insurance – Kaun Better?
| Feature | Credit Card Insurance | Standalone Insurance |
|---|---|---|
| Cost | Free | Paid (₹500–₹5000) |
| Coverage | Limited | High + comprehensive |
| Eligibility | Card usage required | Always valid |
| Best For | Basic protection | Serious travellers/shoppers |
5) Real Value for Middle Class
- Low-cost protection for travel + electronics
- Great for one-time travel abroad
- No separate insurance needed for small risks
- Not enough for heavy medical emergencies or big losses
Common Mistakes Log Karte Hain
- Terms & conditions na padhna
- Card se ticket nahi book karna, phir claim reject
- Purchase protection 90 days window miss kar dena
- Card loss report late karna
FAQs — Credit Card Free Insurance
Q1. Kya free travel insurance sab cards me hota hai?
Yes, but benefits vary by bank and card tier.
Q2. Kya purchase protection mobile phones cover karta hai?
Haan bhai — mostly 90 days tak theft + accidental damage cover hota hai.
Q3. Fraud transactions ka paisa wapas milta hai?
Yes, if loss immediately report kiya ho.
Q4. Kya credit card insurance travel policy ko replace kar sakti hai?
No — serious international travel ke liye standalone travel insurance better hai.
Pros & Cons — Credit Card Insurance
| Pros | Cons |
|---|---|
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