Secure Today, Safer Tomorrow, Your
Protection Is Our Promise
At SBI General Insurance, we believe in safeguarding the financial future of our customers through reliable and transparent insurance solutions. While we are committed to protecting you, it is equally important to be aware of potential threats that could compromise your coverage or finances. In the following section, we will take you through how to recognise, avoid and report insurance frauds, so your peace of mind remains uninterrupted.
24Cr+
Customers Served
16,625
Network Hospitals
140+
Locations
98%*
Claims Settled FY 23-24
What is Insurance Fraud?
Insurance fraud is any deliberate deception intended to gain unauthorised benefits from in insurance policy. In general
insurance, this can range from submitting false claims to impersonating agents to extract money or personal details from
unsuspecting customers.
Types of Insurance Frauds Common in India
Scam Calls and Messages
Fraudsters may pose as representatives from insurance companies, offering fake policies, discounts, or warning of policy lapses. These messages or calls often create urgency and attempt to trick individuals into sharing personal and banking details.
Fake Insurance Websites
Cybercriminals create counterfeit websites that mimic official insurer portals. These sites may collect login credentials, banking information, or trick users into making payments or enrolling in fake policies.
Phishing Emails
Scammers send deceptive emails claiming issues with a policy or requesting verification. These emails often include malicious links or attachments intended to steal sensitive information or install malware on the recipient’s device.
UPI & Digital Payment Scams
With the rise of digital transactions, fraudsters now share fake UPI payment links or QR codes. Once a user enters OTP or UPI Pin, the money is directly siphoned to the scammer’s account.
Nominee or Beneficiary Fraud
Fraudsters may impersonate a nominee or beneficiary and attempt to file a false claim using forged documents. This type of fraud often involves identity theft or misinterpretation.
Fake Policy Offers
Scammers may offer extremely low-cost insurance policies or “limited time” deals that are not backed by any legitimate insurer. These fake policies often promise unrealistic benefits.
Impersonation of Agents or Intermediaries
Unauthorized individuals may pose as insurance agents to sell forged or invalid policies. They may use counterfeit ID cards or documents to build trust and collect premiums into personal accounts.
Auto payment Traps
Some fake platforms may force users into enabling automatic deductions for policies that don’t exist. These recurring unauthorised payments can go unnoticed for months if not regularly reviewed.
Identifying Insurance Scams and Protecting Yourself
Insurance fraud can happen when you least expect it. Fraudsters use clever tricks to deceive customers – through fake
calls, doctored documents, or unauthorized transactions. Here’s how these scams typically work and what you can do to
stay secured.
Stay Safe: 6 Smart Habits
- Verify Every Source Only trust official SBI General communication. If you are unsure, check via our website or helpline:
- Our Customers 1800 102 1111 (Available 24/7)
- Agents and Intermediaries 1800 22 1111 (Available 24/7)
- Helpline Number for Health Insurance customers and PA: 1800 210 3366/ 1800 210 6366
- Understand Your Policy Know what is covered, how much is covered, and how to make legitimate claim.
- Use Approved Garages/Hospitals Get repairs and treatments done only at SBI General’s network partners. To know more, please refer below links:
- Network Garages:https://www.sbigeneral.in/claim/garage-network
- Network Hospital: https://www.sbigeneral.in/contact-us/cashless-hospitals-networks
- Make Payments Securely Always pay premiums through https://www.sbigeneral.in/ , official UPI IDs, or authorised bank channels.
- Protect Your Information Never share OTPs, passwords, or policy details over phone, email, or WhatsApp.
- Decline Suspicious Requests Do not install apps like AnyDesk or TeamViewer at the request of anyone posing as customer service.
Spot the Red Flags
Fraudulent messages often come in the form of urgent-sounding communication, fake policy updates, payment demands, or unauthorised requests for
personal information. These can be shared via SMS, phone calls, WhatsApp or email – sometimes even appearing to come from official- looking sources.
personal information. These can be shared via SMS, phone calls, WhatsApp or email – sometimes even appearing to come from official- looking sources.
Below are some common examples of what these red flags look or sound like: -
| Red Flag | What It Could Be |
|---|---|
Fake Urgency Tactic designed to rush you into payment without verifying. | |
Phishing Attempt to gain access to your online account or banking details. | |
Premium Redirection Scam where the money is stolen and the policy is never renewed. | |
Agent Impersonation or Fraudster trying to manipulate you for illegal gain. | |
Remote Access Fraud using apps like AnyDesk or TeamViewer to control your phone or steal data. |
Suspect Fraud? Here’s What to Do
If something does not feel right – whether it is a suspicious call, a payment request, or an unfamiliar message – trust your instincts and pause. Do not
share any personal details or make payments without verifications. Here are few things you can do.
share any personal details or make payments without verifications. Here are few things you can do.
Call SBI General:
Email Us:
Report Impersonation:
Escalate to IRDAI:
Quick Safety Card
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