Your UPI. Your money. One fraud away
from losing it all.

One phishing link, one fake call, one stolen phone - and your account is empty. UPI Protect covers losses up to ₹1,00,000 so the worst day of your digital life doesn't have to cost you everything.

Just ₹299/year

₹1,00,000 coverage

No paperwork

IRDAI-approved

Insurance-Backed Protection

Indians targeted by

UPI fraud Daily

Average loss per victim

₹34,000+

Banks rarely recover

lost money

UPI Protect covers losses

up to ₹1,00,000

The Real Risk

UPI fraud is more common than you think

Fraudsters are getting smarter. And your bank can't always get your money back - even if you report it quickly.

Fake customer care calls

Scammers impersonate bank agents and trick you into sharing your UPI PIN or OTP.

40% of all UPI fraud cases

Phishing & fake links

One innocent tap on a WhatsApp/SMS link and your account is drained within seconds.

Rising 3x year-on-year

Marketplace & social scams

Sellers on OLX, Facebook, Instagram vanish after receiving your UPI payment.

₹500-₹50,000 lost on avg

The worst part? Most banks reject fraud claims if you can't prove you
took precautions. Without protection, you absorb the full loss.

The solution

UPI Protect keeps you financially covered

Think of UPI Protect as a safety net for your digital wallet. If fraud happens - despite your best efforts - we cover your financial loss.

Instant claim settlement

File a claim in 2 minutes. Get your money back in 24-48 hours.

Works across all UPI apps

PhonePe, GPay, Paytm, BHIM - all covered under one plan.

IRDAI-approved insurance

Fully regulated and legally binding. Your claim is guaranteed.

Protection coverage

₹1,00,000

Annual limit per member

Active & protected

Latest claim

₹4,500 reimbursed ✓

Settled in 18 hours · Phishing fraud

Shield active

24/7 monitoring

Key Benefits

Why UPI Protect is worth it

💰

Your Money, Recovered

Losses from verified UPI or digital wallet fraud are reimbursed up to ₹1,00,000. Your hard-earned money doesn't disappear forever.

📅

10-Day Look-Back Coverage

Realised you were defrauded a few days late? No problem - we cover losses up to 10 days before you filed your report.

🎧

24-Hour Support

Fraud doesn't wait for business hours. Report incidents anytime - our dedicated claims team is always ready to help you.

🏅

Insurer-Backed Guarantee

This isn't just a promise - it's a regulated insurance product. Your claim is processed by a licensed insurer, not just an app.

What's Covered

Know what's covered

Transparent, honest, simple. No fine print surprises.

What's covered

Fraudulent UPI transactions (hacking, phishing)

Unauthorised transactions after phone theft or loss

M-Wallet money lost to digital fraud

Losses within 10 days before reporting

What's not covered

If you knowingly shared your OTP or PIN

Cases already reversed or refunded by your bank

Technical glitches or system errors by the app/bank

Losses you caused through your own mistake

How it works

3 steps. That's all.

No agents. No forms. No confusion. Simple protection for everyone.

Buy a plan

Report any fraud

Got scammed? Open the app, tap "Report Fraud", share the transaction ID. Our team reviews it right away.

Get reimbursed

Claim verified? Money is back in your account within 24-48 hours. No questions asked.

Why trust us

We know trust doesn't come easy.
Here's why we've earned it.

Built with Coverfox's insurance expertise and bank-grade security infrastructure.

🏛️

IRDAI-approved insurer

Regulated & approved by licensed insurer. Not a startup promise.

🔒

Bank-grade security

Your data and payment details are fully protected. SSL-secured.

⭐

Coverfox - 10+ Years of Trust

India's leading device and lifestyle protection brand. Trusted by millions.

SSL Secured

Insurance-backed

24/7 support

Instant activation

IRDAI approved

FAQS

Honest answers to
the questions you're thinking

Will my claim actually be settled?

Yes - if the fraud meets the policy conditions. This is a genuine insurance product backed by a licensed insurer. We're transparent about what's covered, so there are no surprises. Claims are reviewed fairly and settled within the agreed timeline.

What if I don't notice the fraud for a few days?

You're still covered. As long as you report within 24 hours of discovering the fraud, losses up to 10 days before your report are included. You won't be penalised for not checking your account every hour.

My bank says they'll investigate - do I still need this?

Bank investigations can take weeks - and often don't result in a refund. UPI Protect gives you an independent financial cushion so you're not entirely at the mercy of your bank's decision. They're separate processes.

I was tricked into sharing my OTP. Am I covered?

Unfortunately, no. If OTP or PIN was shared by you - even under pressure or deception - that falls under "gross negligence" and is excluded. This is a standard insurance condition. We recommend never sharing your OTP with anyone, ever.

Who is eligible for UPI Protect?

Any Indian resident with an active UPI-linked bank account or mobile wallet can apply. There's no credit check or complex eligibility criteria. Just fill in the form and you're covered within minutes.

How do I report a fraud incident?

Simply call our 24/7 helpline or log in to your Coverfox account and file a claim online. Our team will guide you through the next steps - no complicated forms, no in-person visits required.

Your UPI. Your money. One fraud awayfrom losing it all.