5 Unconventional Insurance Policies That You Have Never Heard of 

The word ‘insurance’ often brings to mind run-of-the-mill products such as car, term, home and health insurance. But, the industry it seems has not been as serious as the surface portrays. On deeper research, you can unearth some really unconventional insurance products that you may have never imagined existed. They range from mildly amusing to downright bizarre!

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Take a look:

Body part insurance

Celebrities, actors, models and sports persons, often insure their most valuable body parts. Consider this, when playing for Real Madrid, footballer David Beckham insured his legs for 146 million and his face for 40 million owing to his advertising appeal. Closer home, one celeb example that stands out is that of Akshay Kumar. The actor oft known as khiladi, signed up for Rs 35-crore personal accident insurance cover when shooting for the movie Holiday.

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

Kidnap or Ransom insurance

If you consider yourself a worthy target for kidnappers and ransomers, you could insure yourself and your family members through a kidnap/ ransom insurance. Also, companies that operate in areas notorious for kidnapping avail this insurance product for their employees.

Your typical kidnap or ransom insurance will cover the ransom payment, fee of consultants hired for crisis management, medical and travel related expenses, among others.

one crore term plan
plus

Term Plans

₹1
Crore

Life Cover

@ Starting from ₹ 16/day+

₹50
LAKH

Life Cover

@ Starting from ₹ 8/day+

₹75
LAKH

Life Cover

@ Starting from ₹ 12/day+

Pet insurance

Pets are considered an extended part of the families they belong to. As the cost of pet maintenance and healthcare of pet is on the rise, you would be wise to consider pet health insurance plans. While loss of a pet can never be compensated but a pet insurance policy does help you protect yourself financially. These pet health insurance  plans would provide cover right from minor expenses such as vaccinations, to bigger ones including hostpitalization.

Most policies are dog-centric, however some insurers do offer protection to cats, horses, cows and buffaloes. The insured pet is usually covered against death caused by an accident or by disease contracted during the pet insurance term. The cover could be extended for risks such as accidental death in transit, breeding risk, and loss of

dog owing to burglary or break-in. 

one crore term plan

Secure Your Family Future Today

₹1 CRORE

Term Plan Starting @

Get an online discount of upto 15%#

Compare 40+ plans from 15 Insurers

+Standard T&C Applied

Wedding insurance

‘Yes, I do’ is what most of us would wait to hear at a wedding ceremony. The huge marriage wedding expense incurred could come to a naught due to such reasons as bride or groom’s last-minute change of heart, death in the family or even natural calamities. But with a wedding insurance policy in place, you can recover from such expenses.

For a wedding insurance policy, the sum insured is calculated on the basis of expenses incurred in venue booking, hotel and travel booking, card printing and decoration. The wedding insurance could also cover additional unforeseen expenses such as the photographer’s last-minute absence or damage caused due to party revelry!

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

Life Insurer Details

Amateur sports person insurance

To help you nurture the budding sportsperson in your child without hesitation, Indian insurers have found a new product — the amateur sports person insurance policy. This policy understands the risks that accompany a rigorous practising schedule of any sport. It covers the policyholder’s sporting equipment, personal accident risks, accidental bodily injury caused when practising or third-party liability arising out of a sporting accident.

Moral of the story:

You could just imagine the risk that you may have to face, and an insurance product would be out there to protect you from it!

You may also like to read about term insurance

Note: Check all the best term insurance plan in India.

Note: You should also check the benefits of term life insurance if you are planning to purchase the term insurance plan.


Premium By Age

˜Top plans are based on annualized premium, for bookings made through https://www.policybazaar.com in FY 25.

Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in

+Rs. 487/month (Rs.16/day) is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.

Prices offered by the insurer are as per the approved insurance plans | #All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply | **Tax Benefits are subject to changes in tax laws.| Policybazaar Insurance Brokers Private Limited

We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881

For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale

Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana – 122001 | Registration No. 742, Valid till 09/06/2027, License category- Composite Broker Visitors are hereby informed that their information submitted on the website may be shared with insurers. Product information is authentic and solely based on the information received from the insurers.

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+Rs. 820/month is starting price for a 2 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.

+Rs. 1,443/month is starting price for a 5 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.

˜ Policybazaar Promise reflects the guarantee offered by insurers. Price assurance is based on certifications shared by insurers with us.

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