What is ORA Policy Smartphone Insurance?
ORA Policy offers specialized insurance plans designed to safeguard your smartphone against unexpected mishaps. Whether you own the latest smartphone, a premium Samsung Galaxy, or a budget-friendly Android, their flexible coverage adapts to your needs. Unlike generic warranties, ORA Policy focuses on real-life scenarios, from accidental damage to theft, ensuring you’re never left stranded without your device.
Comprehensive Coverage: What Does ORA Policy Protect Against?
ORA Policy’s smartphone insurance plans are built to address common (and costly) smartphone woes:
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Accidental Damage
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Cracked screens, internal component damage from drops, or even a toddler’s creative experiments—ORA covers repairs or replacements.
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Theft or Loss
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If your phone is stolen or goes missing, file a police report and claim a replacement swiftly.
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Liquid Damage
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Spilled drinks, rainy days, or poolside slips won’t spell disaster. Liquid damage repairs are included.
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Electrical or Mechanical Failures
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Coverage extends beyond accidents, protecting against sudden malfunctions not covered by standard warranties.
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Accessory Coverage
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Some plans include protection for chargers, earphones, or cases—bonus perks for the accident-prone.
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Why Choose ORA Policy? Key Benefits That Stand Out
ORA Policy isn’t just another insurance provider. Here’s what makes them a smart choice:
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24/7 Claims Support: Report incidents anytime via their user-friendly app or website.
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Fast Repairs or Replacements: Partnered with certified repair centers for quick, hassle-free service.
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Affordable Premiums: Flexible payment options with no hidden fees. Pay monthly or annually.
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Global Coverage: Traveling abroad? Many plans cover international incidents.
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No Depreciation Costs: Get full-value replacements for newer models, not discounted payouts.
How to Enroll in 3 Simple Steps
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Check Eligibility: Most devices under 2 years old qualify.
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Pick Your Plan: Choose coverage tiers based on your budget and risk level.
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Activate Instantly: Enroll online and receive immediate confirmation.
What’s Not Covered? Understanding Exclusions
While ORA Policy is comprehensive, it’s important to note exclusions:
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Pre-existing damage before enrollment.
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Intentional damage or fraud.
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Loss due to negligence (e.g., leaving your phone unattended in public).
Always review policy details to avoid surprises.
Final Thoughts: Is ORA Policy Right For You?
Refurbished smartphones are a great way to save money, but they also come with risks. Skipping insurance can lead to high repair costs, loss of device, or expensive replacements. With ORA Policy smartphone insurance, you get comprehensive protection against damage, theft, and technical failures, ensuring that your refurbished smartphone stays in top condition without financial stress. Invest in a safety net today and use your phone worry-free!
Ready to Secure Your Smartphone?
Visit ORA Policy’s website today to compare plans and find the perfect fit. Because your phone deserves more than just a protective case—it deserves peace of mind.
Frequently Asked Questions
Buying Protection of your smartphone ile is very easy and you can ACTIVATE your plan in 3 simple steps.
Choose the plan as per your Model and tenure you want.
Make the Payment of the premium by clicking the button of your desired plan.
Send the invoice copy of your smartphone to support@orapolicy.com.
Once we get the details of the payment and invoice copy then, we will send you an ACTIVATION Email and Policy
Document to your Registered Email ID with all the details.
Yes, as long as the smartphone is in good working condition at the time of insurance purchase.
Protection with ORA Policy of your new/old smartphone have several benefits. Its not just
only saving yourself from huge repair / replacements bills but also many extra benefits
you get once you buy ORA Policy.
Cashless Protection Against :
All Physical Damages-
Broken Screen
Display Blackout
Camera Damage
HomeButton Damage
Internal Malfunctions
MotherBoard Dead
BackGlass Damage
Audio/Speaker Damage
Liquid Damage
Charger Adapter Damage
Theft/Stolen
Smartphones which are brought from out of India is Completely Covered under ORA Policy. Even gifted smartphone with different name on invoice copy can be Protected from ORA Policy.
Smartphone insurance plans typically cover accidental damage, mechanical failure, or theft, depending on the type of plan you choose. ORA Policy offers its own insurance through ORA Smartphone Insurance Plan, while other providers offer very less coverage and benefits comapred to ORA Policy.
Then you will be entitled to get NCB. No-Claim Bonus is about part premium cashback in case of no claim. Suppose you buy a 2-year protection plan for your device, and you do not claim; then 25% of the premium amount will get refunded in your bank account. We will ask for fresh bank details of the policyholder, and the amount of cashback will be credited back in case of NO CLAIM. Similarly, in the case of a plan that is for 3 years or more, then cashback of 50% of the total premium is applicable.
To file a claim, visit this page: Claims
Fill out the required details and submit the necessary documents. Our team will review your request and process your claim as quickly as possible.
If you need any assistance, feel free to contact our support team.
Most claims are processed within 24-48 hours. In urgent cases, we offer expedited processing with resolution in under 12 hours.
Yes, Ora Policy provides insurance for refurbished smartphones, as long as the device meets our eligibility criteria.
2025 ORA Smartphone Insurance Premium Comparison
Compare premium prices for latest models
Serial No.
Smartphone Model
Insurance Premium
001
Samsung Galaxy Z Fold 6 5G
₹ 8620
002
Samsung Galaxy Z Fold 5 5G
₹ 7620
003
Samsung Galaxy Z Fold 4 5G
₹ 6620
004
Samsung Galaxy 25 Ultra 5G
₹ 8520
005
Samsung Galaxy 25 Plus 5G
₹ 7520
006
Samsung Galaxy 25 Edge 5G
₹ 6520
007
Vivo V50 Pro 5G
₹ 6520
008
Vivo X200 Pro 5G
₹ 6520
009
OPPO Reno13 Pro 5G
₹ 6520
010
OPPO F29 Pro 5G
₹ 6520
011
Realme 14 pro Plus 5G
₹ 6520
012
Realme P3 Ultra 5G
₹ 6520
013
Motorola Edge 50 Ultra 5G
₹ 6520
014
Google Pixel 9 Pro Fold
₹ 6520
015
Xiaomi 15 Ultra 5G
₹ 6520
016
Lava Agni 3 5G
₹ 6520
017
OnePlus Nord4 5G
₹ 6520
018
OnePlus 12
₹ 6520
019
OnePlus 12R
₹ 6520
020
OnePlus 13
₹ 6520
021
OnePlus 13R
₹ 6520
* Prices shown are annual premiums. Terms and conditions apply. Actual coverage may vary.
Why smartphone Insurance is a Must-Have for Indian smartphone Users
Protect your ₹50,000+ investment with comprehensive coverage
With smartphone prices crossing ₹1 lakh and repair costs soaring, smartphone insurance has become
essential for Indian users. Let's explore why 68% of urban smartphone owners now opt for insurance
plans.
Coverage for accidental screen cracks
Protection against monsoon water damage
Theft protection with police FIR support
Premium Plans Comparison
Coverage Period
Basic Plan
Premium Plan
1 Year
₹799/year
₹1,499/year
2 Years
₹1,399 (Save 12%)
₹2,599 (Save 13%)
3 Years
₹1,999 (Save 17%)
₹3,699 (Save 18%)
Protect Your Premium Smartphone with ORA Insurance
Safeguard Your ₹50,000+ Investment Against Damage, Theft & Repair Costs
Your premium smartphone is more than just a device—it’s an essential part of your daily life. Whether you use it for work, entertainment, or staying connected,
unexpected accidents like drops, screen cracks, liquid damage, or theft can result in costly repairs or replacements. With ORA Policy Smartphone Insurance,
you get comprehensive coverage that safeguards your device against all potential risks. Our affordable plans, hassle-free claim process, and fast approvals
ensure that your smartphone stays protected without financial stress. Don’t take chances—choose ORA Insurance and enjoy uninterrupted smartphone usage with complete peace of mind!
ORA Policy Exclusive Benefits
Comprehensive Coverage
Coverage for accidental damage, liquid spills, and theft (with police FIR)
Special Perks
- 15% No Claim Bonus on renewal
- 3 claims allowed annually
- International warranty coverage
- Free screen replacement once/year
ORA Premium Plans
Annual Plan
₹1,499/yr
- 2 Free Screen Guards
- 1 Claim Included
2-Year Plan
₹2,699
- 3 Free Accessories
- 3 Claims Allowed
3-Year Plan
₹3,699
- 6 Free Accessories
- 6 Claims Allowed
Why Your Refurbished smartphone Needs a Safety Net (And Why Skipping Insurance is a Recipe for Regret)
Refurbished smartphones offer a cost-effective way to own premium devices, but they also come with certain risks. Unlike brand-new phones, refurbished models may have undergone repairs or component replacements, making them more vulnerable to malfunctions and accidental damage. This is why smartphone insurance from ORA Policy is crucial to keep your device protected and your finances secure.
-
Increased Risk of Hardware Failure
Refurbished smartphones have been previously used and repaired, making them more susceptible to hardware issues. Internal components such as batteries, motherboards, and screens may not be as durable as those in new devices. Insurance covers unexpected malfunctions, saving you from costly repairs.
-
Protection Against Accidental Damage
A single drop can crack the screen or damage the internal system of your smartphone. Since refurbished devices may already have undergone repairs, they can be more fragile. With ORA Policy insurance, you get financial protection for screen damage, broken parts, and accidental drops.
-
Coverage for Liquid Damage
Water and electronics don’t mix, and a simple spill or accidental drop in water can render your refurbished smartphone useless. Repairing liquid-damaged devices can be expensive, and sometimes, they are beyond repair. With insurance, you don’t have to bear the financial burden of replacing your device.
-
Safeguard Against Theft and Loss
Losing your smartphone or having it stolen can be a major financial setback, especially when buying another device is not an option. With insurance, you get compensated for theft, allowing you to replace your phone quickly without affecting your budget.
-
Refurbished Phones Have Limited Warranties
Unlike new devices that come with manufacturer warranties, refurbished smartphones often have limited or no warranty. If your phone malfunctions after the short warranty period, you’ll have to pay out of pocket for repairs. Insurance provides extended coverage, ensuring peace of mind even after the warranty expires.
-
Cost-Effective Repair and Replacement
Smartphones have high repair costs, and with refurbished models, you may not always find original replacement parts at affordable prices. Insurance helps cover these repair expenses, so you don’t have to worry about high service costs.
-
Hassle-Free Claim Process
ORA Policy offers a quick and easy claim process for smartphone insurance. With minimal paperwork and fast approvals, you can get your device repaired or replaced without long waiting times.
Final Thought:
Refurbished smartphones are a great way to save money, but they also come with risks. Skipping insurance can lead to high repair costs, loss of device, or expensive replacements. With ORA Policy smartphone insurance, you get comprehensive protection against damage, theft, and technical failures, ensuring that your refurbished smartphone stays in top condition without financial stress. Invest in a safety net today and use your phone worry-free!
Key Features
- Accidental & Liquid Damage Protection
- Theft Coverage with Police FIR Support
- Free Screen Replacement Benefit
- 24x7 Pan-India Service Network
- No Claim Bonus up to 50%
Premium Plans
Basic Care
₹799/yr
- 6 Free Repair
- Screen Protection
Total Protect
₹1,499/yr
- Unlimited Repairs
- Theft Coverage
Easy Claim Process with ORA Policy
At ORA Policy, we ensure a quick, hassle-free smartphone insurance claim process, so you never have to worry about unexpected damages or losses.
Whether your smartphone suffers from accidental damage, liquid spills, screen cracks, theft, or internal malfunctions, our fast online claim system
makes it easy to file a request with minimal paperwork and speedy approvals. Our dedicated support team is always ready to assist, ensuring a
smooth and transparent claim experience. Protect your smartphone with ORA Policy Insurance and enjoy uninterrupted connectivity with total peace of mind!
Write Your Review
Compare premium prices for latest models
| Serial No. | Smartphone Model | Insurance Premium |
|---|---|---|
| 001 | Samsung Galaxy Z Fold 6 5G | ₹ 8620 |
| 002 | Samsung Galaxy Z Fold 5 5G | ₹ 7620 |
| 003 | Samsung Galaxy Z Fold 4 5G | ₹ 6620 |
| 004 | Samsung Galaxy 25 Ultra 5G | ₹ 8520 |
| 005 | Samsung Galaxy 25 Plus 5G | ₹ 7520 |
| 006 | Samsung Galaxy 25 Edge 5G | ₹ 6520 |
| 007 | Vivo V50 Pro 5G | ₹ 6520 |
| 008 | Vivo X200 Pro 5G | ₹ 6520 |
| 009 | OPPO Reno13 Pro 5G | ₹ 6520 |
| 010 | OPPO F29 Pro 5G | ₹ 6520 |
| 011 | Realme 14 pro Plus 5G | ₹ 6520 |
| 012 | Realme P3 Ultra 5G | ₹ 6520 |
| 013 | Motorola Edge 50 Ultra 5G | ₹ 6520 |
| 014 | Google Pixel 9 Pro Fold | ₹ 6520 |
| 015 | Xiaomi 15 Ultra 5G | ₹ 6520 |
| 016 | Lava Agni 3 5G | ₹ 6520 |
| 017 | OnePlus Nord4 5G | ₹ 6520 |
| 018 | OnePlus 12 | ₹ 6520 |
| 019 | OnePlus 12R | ₹ 6520 |
| 020 | OnePlus 13 | ₹ 6520 |
| 021 | OnePlus 13R | ₹ 6520 |
* Prices shown are annual premiums. Terms and conditions apply. Actual coverage may vary.
Why smartphone Insurance is a Must-Have for Indian smartphone Users
Protect your ₹50,000+ investment with comprehensive coverage
With smartphone prices crossing ₹1 lakh and repair costs soaring, smartphone insurance has become essential for Indian users. Let's explore why 68% of urban smartphone owners now opt for insurance plans.
Premium Plans Comparison
| Coverage Period | Basic Plan | Premium Plan |
|---|---|---|
| 1 Year | ₹799/year | ₹1,499/year |
| 2 Years | ₹1,399 (Save 12%) | ₹2,599 (Save 13%) |
| 3 Years | ₹1,999 (Save 17%) | ₹3,699 (Save 18%) |
Protect Your Premium Smartphone with ORA Insurance
Safeguard Your ₹50,000+ Investment Against Damage, Theft & Repair Costs
Your premium smartphone is more than just a device—it’s an essential part of your daily life. Whether you use it for work, entertainment, or staying connected, unexpected accidents like drops, screen cracks, liquid damage, or theft can result in costly repairs or replacements. With ORA Policy Smartphone Insurance, you get comprehensive coverage that safeguards your device against all potential risks. Our affordable plans, hassle-free claim process, and fast approvals ensure that your smartphone stays protected without financial stress. Don’t take chances—choose ORA Insurance and enjoy uninterrupted smartphone usage with complete peace of mind!
ORA Policy Exclusive Benefits
Comprehensive Coverage
Coverage for accidental damage, liquid spills, and theft (with police FIR)
Special Perks
- 15% No Claim Bonus on renewal
- 3 claims allowed annually
- International warranty coverage
- Free screen replacement once/year
ORA Premium Plans
Annual Plan
- 2 Free Screen Guards
- 1 Claim Included
2-Year Plan
- 3 Free Accessories
- 3 Claims Allowed
3-Year Plan
- 6 Free Accessories
- 6 Claims Allowed
Why Your Refurbished smartphone Needs a Safety Net (And Why Skipping Insurance is a Recipe for Regret)
Refurbished smartphones offer a cost-effective way to own premium devices, but they also come with certain risks. Unlike brand-new phones, refurbished models may have undergone repairs or component replacements, making them more vulnerable to malfunctions and accidental damage. This is why smartphone insurance from ORA Policy is crucial to keep your device protected and your finances secure.
-
Increased Risk of Hardware Failure
Refurbished smartphones have been previously used and repaired, making them more susceptible to hardware issues. Internal components such as batteries, motherboards, and screens may not be as durable as those in new devices. Insurance covers unexpected malfunctions, saving you from costly repairs. -
Protection Against Accidental Damage
A single drop can crack the screen or damage the internal system of your smartphone. Since refurbished devices may already have undergone repairs, they can be more fragile. With ORA Policy insurance, you get financial protection for screen damage, broken parts, and accidental drops. -
Coverage for Liquid Damage
Water and electronics don’t mix, and a simple spill or accidental drop in water can render your refurbished smartphone useless. Repairing liquid-damaged devices can be expensive, and sometimes, they are beyond repair. With insurance, you don’t have to bear the financial burden of replacing your device. -
Safeguard Against Theft and Loss
Losing your smartphone or having it stolen can be a major financial setback, especially when buying another device is not an option. With insurance, you get compensated for theft, allowing you to replace your phone quickly without affecting your budget. -
Refurbished Phones Have Limited Warranties
Unlike new devices that come with manufacturer warranties, refurbished smartphones often have limited or no warranty. If your phone malfunctions after the short warranty period, you’ll have to pay out of pocket for repairs. Insurance provides extended coverage, ensuring peace of mind even after the warranty expires. -
Cost-Effective Repair and Replacement
Smartphones have high repair costs, and with refurbished models, you may not always find original replacement parts at affordable prices. Insurance helps cover these repair expenses, so you don’t have to worry about high service costs. -
Hassle-Free Claim Process
ORA Policy offers a quick and easy claim process for smartphone insurance. With minimal paperwork and fast approvals, you can get your device repaired or replaced without long waiting times.
Final Thought:
Refurbished smartphones are a great way to save money, but they also come with risks. Skipping insurance can lead to high repair costs, loss of device, or expensive replacements. With ORA Policy smartphone insurance, you get comprehensive protection against damage, theft, and technical failures, ensuring that your refurbished smartphone stays in top condition without financial stress. Invest in a safety net today and use your phone worry-free!
Key Features
- Accidental & Liquid Damage Protection
- Theft Coverage with Police FIR Support
- Free Screen Replacement Benefit
- 24x7 Pan-India Service Network
- No Claim Bonus up to 50%
Premium Plans
Basic Care
- 6 Free Repair
- Screen Protection
Total Protect
- Unlimited Repairs
- Theft Coverage
Easy Claim Process with ORA Policy
At ORA Policy, we ensure a quick, hassle-free smartphone insurance claim process, so you never have to worry about unexpected damages or losses. Whether your smartphone suffers from accidental damage, liquid spills, screen cracks, theft, or internal malfunctions, our fast online claim system makes it easy to file a request with minimal paperwork and speedy approvals. Our dedicated support team is always ready to assist, ensuring a smooth and transparent claim experience. Protect your smartphone with ORA Policy Insurance and enjoy uninterrupted connectivity with total peace of mind!