BSNL Free Insurance With Select Prepaid Plans: ₹1 Lakh Cover

• BSNL plans free ₹1 lakh accidental cover with select prepaid recharge plans.
• The proposed benefit also includes ₹10,000 cover for eligible cyber-fraud losses.
• STV 202 and STV 2449 are among the prepaid plans named.

BSNL is planning to offer BSNL free insurance with select prepaid plans in India, adding accidental and cyber-fraud protection as an extra benefit. The proposed cover includes up to ₹1 lakh for accidental death and ₹10,000 for eligible cyber-fraud losses.

The benefit is planned for selected prepaid recharges, including BSNL STV 202 and STV 2449. The proposal comes as BSNL continues to focus on increasing revenue per user, with its ARPU reaching ₹101 in FY26 compared with ₹71 earlier and the company targeting ₹150 over the next two to three years.

BSNL Free Insurance: What Is Being Offered?

The proposed BSNL free insurance benefit is intended to be bundled with selected prepaid plans rather than offered as a separate paid insurance recharge. The reported coverage includes two components: accidental cover of ₹1 lakh and cyber-fraud cover of ₹10,000.

The accidental component is described as a ₹1 lakh accidental death cover. The cyber-fraud component is intended to cover eligible losses arising from cyber fraud, subject to the terms of the insurance arrangement. The exact policy conditions and claim process have not been detailed in the information currently available.

BSNL Prepaid Plans With Insurance

BSNL has identified select prepaid plans for BSNL free insurance. The two plans specifically named are STV 202 and STV 2449. The insurance benefit should therefore not be treated as automatically available with every BSNL recharge.

The table covers only the insurance details confirmed for this announcement. Other recharge benefits, validity and plan pricing are not included here because they are separate from the proposed insurance feature and may change.

How BSNL Free Insurance Could Work

BSNL free insurance would be linked to eligible prepaid recharges, giving subscribers insurance coverage without a separate insurance premium being added to the recharge. However, the final policy terms, eligibility conditions and claim procedure have not been fully detailed.

The insurance partner for BSNL free insurance has also not been confirmed for this article. Therefore, no insurer name or policy-specific claim condition should be assumed until BSNL formally announces those details.

₹10,000 Cyber-Fraud Cover

The ₹10,000 cyber-fraud component of BSNL free insurance is intended to add protection against eligible financial losses linked to cyber fraud. It is important to distinguish this from a blanket guarantee that every online fraud loss will be reimbursed.

The final insurance terms will determine what incidents qualify, how claims are assessed and what documentation subscribers may need. Until those conditions are published, users should treat the ₹10,000 figure as the announced coverage limit rather than guaranteed compensation for every fraud case.

BSNL ARPU Reaches ₹101 in FY26

BSNL free insurance comes as BSNL works to improve its average revenue per user. BSNL’s ARPU reached ₹101 in FY26, up from ₹71 earlier. The company has set a target of reaching ₹150 over the next two to three years.

Adding BSNL free insurance to selected recharges could give some prepaid plans an additional benefit beyond their regular telecom services. However, the impact on customer adoption or ARPU will depend on how the final offering is structured and rolled out.

For related BSNL recharge coverage, see our earlier article on the BSNL yearly prepaid plans.

Conclusion

BSNL plans to bundle BSNL free insurance with select prepaid plans, including STV 202 and STV 2449. The proposed benefit includes ₹1 lakh accidental cover and ₹10,000 cyber-fraud cover. The insurer, final policy terms and wider rollout details are yet to be confirmed.

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