India's first rent cover for job loss

Rent protected when life gets in the way

A hospital stay or a lay-off doesn't move the first of the month. We reimburse your rent for up to three months — you choose which disruption you want covered.

  • ₹1,00,000Sum insured per cover
  • 3 monthsOf rent reimbursed
  • From ₹1,080Per year

Underwritten by Zuno General Insurance Limited and ICICI Lombard General Insurance Co. Ltd. · Three products, one renewal date

A couple at home, relaxed and secure in their rented apartment

Security tier

Gold Certified

Step 1 of 3 · Policy selection

Choose the protection that fits your life.

Every product reimburses rent the same way — up to ₹35,000 a month for a maximum of three months. The only question is which disruption you want covered.

Swipe to explore protection

Health

Hospicash

Protection when hospitalisation affects your ability to pay rent.

Sum insured

₹1,00,000

  • Rent reimbursed up to ₹35,000
  • Maximum 3 months

₹1,080/ year, billed annually

Also included in Super Saver Combo
See what's includedEverything included

Coverage & payout

HospitalisationIllness/accident

Minimum stay4 days

Maximum benefit3 months

Cooling period30 days

Waived for accidental hospitalisation

What's included

Hospital cover₹1,00,000

Job loss coverNot included

Wellness accessNot included

  • Rent reimbursed monthly
  • Eligible 18–60 years, no medical check-up
  • Covered in India

Payout progression

  • 4days1 month's rent or ₹35,000Whichever is lower
  • 6days2 months' rent or ₹70,000Whichever is lower
  • 9days3 months' rent or ₹1,00,000Maximum benefit

Income

Job Loss

Protection when an unexpected job loss affects your rent obligations.

Sum insured

₹1,00,000

  • Rent reimbursed up to ₹35,000
  • Maximum 3 months

₹1,080/ year, billed annually

Also included in Super Saver Combo
See what's includedEverything included

Coverage & payout

Coverage triggerTermination

EmploymentSalaried

Benefit limit1 claim

Waiting period90 days

Counted from policy inception

What's included

Hospital coverNot included

Job loss cover₹1,00,000

Wellness accessNot included

  • Rent reimbursed monthly
  • Permanent roles on formal payroll
  • Covered in India

Required documents

Termination letter
Relieving letter
Salary slips
Bank statement

Recommended for most renters

Complete

Super Saver Combo

Best value if you want both income and health protection.

Total sum insured

₹2,00,000

  • ₹1,00,000 + ₹1,00,000
  • Maximum 3 months

₹2,160₹1,880/ year, billed annually

Save ₹280 + Wellness included
See what's includedEverything included

Coverage & payout

HospitalisationRefer to Hospicash

Job lossRefer to Job Loss

Hospicash cooling30 days

Job Loss waiting90 days

Hospicash waived for accidental stays

What's included

Hospital cover₹1,00,000

Job loss cover₹1,00,000

Wellness accessUnlimited

  • Both covers reimburse rent
  • 24×7 doctor on call all year
  • Covered in India

Wellness included

  • Unlimited tele-consultations
  • Unlimited video consultations
  • Digital prescriptions
  • 24×7 doctor on call
  • 1 year coverage
  • Hindi, English & regional languages

Super Saver Combo is selected. to pick individual covers.

Individual covers are selected. to switch to Super Saver.

Super Saver adds Wellness and costs ₹280 less than both covers bought separately.

The difference in four lines

Everything else is shared. This is what actually separates them.

Protection
Hospicash
Job Loss
Super Saver
Hospitalisation
—
Job loss
—
Healthcare benefits
—
—
Price per year
₹1,080
₹1,080
₹1,880

Before you commit

The conditions that decide whether a claim pays — worth two minutes now rather than at claim time.

Zuno · ICICI Lombard

Underwritten by top-tier carriers

30 / 90 days

Hospicash cooling · Job Loss waiting

12 months

One payment · one renewal date

Check you're eligible for Job Loss cover

You're a permanent, full-time employee

You've been in continuous employment for at least six months

Your employer is registered under Indian company law

Your company has at least 100 employees

You have a registered rent agreement

You pay rent through the RentenPe app

Not eligible: internships, temporary assignments, freelance and contract roles, the self-employed, and family-owned businesses. Cover also lapses if app rent payments are missed for two or more months in any rolling three-month period.

Hospicash
Sum insured
₹1,00,000
Coverage
Hospitalisation due to illness or accident
Minimum hospitalisation
4 continuous days
Payout type
Rent reimbursed monthly, up to 3 months
Maximum benefit
3 months / ₹1,00,000
Coverage period
1 year

Payout progression

  • 4days 1 month's rent or ₹35,000 Whichever is lower
  • 6days 2 months' rent or ₹70,000 Whichever is lower
  • 9days 3 months' rent or ₹1,00,000 Whichever is lower · maximum benefit for the year

Payouts are capped at the lower of the rent-linked amount and the money cap shown, and at 3 months / ₹1,00,000 across the policy year.

Job Loss
Coverage trigger
Involuntary loss of employment, termination or lay-off during the policy period
Sum insured
₹1,00,000
Payout type
Rent reimbursed monthly, up to 3 months
Benefit limit
One claim per insured during the policy period
Coverage period
1 year from policy start date
Wellness benefits

Tele consultant

Unlimited tele-consultations available through the mobile app.

Video consultant

Unlimited video consultations with qualified doctors.

Prescription generation

Digital prescription generated after every consultation.

Coverage period

1 year of cover, with 24×7 access to doctors throughout the year.

Language support

Hindi, English and local regional languages.

Insurance terms explained
Sum insured
The most the policy will pay you across the year
Waiting period
The time after your policy starts before a claim can be made
Rent reimbursement
Paid against your rent each month, up to ₹35,000 a month
Rent protection
The payout is sized against your monthly rent, capped at ₹35,000 a month
Involuntary loss of employment
Termination or lay-off decided by your employer, not by you
Exclusion
A situation the policy does not pay for

Questions people actually ask

Which product should I pick?

Pick Hospicash if a hospital stay is the risk most likely to interrupt your rent. Pick Job Loss if losing your income is. Pick Super Saver Combo if you want both, plus everyday healthcare access — it is the only product that includes Wellness.

Can I buy Hospicash and Job Loss separately?

Yes. Hospicash is ₹1,080 a year and Job Loss is ₹1,080 a year. Bought together they come to ₹2,160, so Super Saver Combo is ₹280 less and adds Wellness on top.

What counts as job loss?

Involuntary termination — layoffs from restructuring, downsizing, or the company shutting down. You must have been in continuous permanent full-time employment for at least 6 months, at a registered Indian company with 100 or more employees. Resigning, voluntary retirement schemes, probation non-confirmation and dismissal for misconduct are not covered.

When can I claim?

After the period for that cover has passed — a 30-day cooling period for Hospicash, waived for accidental hospitalisation, and 90 days for Job Loss from policy inception. In Super Saver Combo each cover keeps its own waiting period. Claims raised inside those windows aren't payable, so it's worth starting cover before you need it.

Is Wellness a separate product?

No. Wellness is included inside Super Saver Combo and is not sold on its own.

Who pays out — and to whom?

Hospicash is underwritten by Zuno General Insurance Limited; Job Loss by ICICI Lombard General Insurance Co. Ltd. Super Saver Combo carries both covers, so it carries both underwriters. The rent payout can go directly to your landlord or into your account, whichever you choose when you claim. Full terms and exclusions are set out in the policy schedule you receive by email.

Does my landlord benefit too?

Loss of rental income is covered under the same master policy — the rent keeps coming even if a tenant loses their job. No chasing, no part payments, no deciding between a good tenant and a paid month.

What do I have to do to stay eligible?

Pay your rent through the RentenPe app against a registered rent agreement. If you miss app rent payments for two or more months in any rolling three-month period, the cover lapses for that period.

Can I cancel?

Yes. Monthly cover can be stopped before the next renewal date with no exit fee. Annual combo plans follow the free-look and cancellation terms in your policy schedule.

Does this affect my credit score?

Buying cover doesn't. Paying rent through RentenPe builds a separate rental credit record reported to Experian, which is designed to help your profile, not hurt it.

Hospicash underwritten by Zuno General Insurance Limited · Job Loss underwritten by ICICI Lombard General Insurance Co. Ltd. · Cooling and waiting periods apply · Terms and exclusions in your policy schedule.

Step 2 of 350% complete

Personal Details

Enter your details exactly as they appear on your Aadhaar. Anything that doesn't match will hold up verification and any claim you make later.

As per your Aadhaar

Name, date of birth and address must match your Aadhaar record. Your PAN is used for financial verification and to build your rental credit record with Experian.

Exactly as printed on your Aadhaar

Gender

You must be 18 or older to hold this policy

Claim updates are sent here

Your policy document is emailed here

Ten characters, as printed on your PAN card

The rented address this cover applies to

Job Loss cover is available to permanent, full-time employees only

Step 3 of 3100% complete

Review & Confirm

Please verify your details before we finalize your protection plan.

Personal details

Full name
Alexander Sterling
Date of birth
—

Contact information

Email address
a.sterling@design.com
Phone number
+91 98765 43210

Policy selection

Job Secure

Comprehensive security

Subtotal₹0

GST (18%)₹0

Total payable₹0

Sum insured
₹1,00,000
Policy term
12 months
Cooling & waiting
30 / 90 days by cover
Claim intimation
Online, 24×7
Insurer
ICICI Lombard General Insurance Co. Ltd.

Accept both declarations to continue

PaymentSecure checkout

Complete Payment

Choose how you'd like to pay your first premium.

Amount payable

₹0/year

Job SecureBilled yearly · Cancel anytime

Try RENTENPE10 or RENTENPE200

Payment method

Payments processed by Razorpay · 256-bit encrypted

Welcome to JobSecure!

Your rent protection plan is now active. You'll receive your policy documents after verification within the next 48 hours.

Policy Details

Job Secure · Individual Plan

Active
Policy number
RS-88293-XP
Start date
24 Oct 2023
Sum insured
₹1,00,000
Premium paid
₹499 / month
Renews on
—
Insurer
ICICI Lombard General Insurance Co. Ltd.

Documents arrive within 48 hours of verification

What's next?

Profile

Alexander Sterling

a.sterling@design.com · +91 98765 43210

Member since —

—

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