Insurance Scams on WhatsApp & Telegram: What to Watch Out For in 2025

By 2025, insurance fraud will have already taken on a new form-- it is no longer held over suspect calls or phishing over the mail. Today, fraudsters are targeting unsuspecting users on WhatsApp and Telegram with fake offers for the best health insurance, life insurance, and term plans.

These frauds usually appear in the form of time-bound offers of discounts, preauthorization or guaranteed approval schemes. Some even go ahead to use the names of reputable insurers or even government organs to seem real. For consumers seeking the best health insurance in India, these scams pose a significant threat, both financially and personally.

We live in times where we want to educate the users to realise these traps and prevent the casualties before it is too late, and this is where we come in as PureBima, providing insurance solutions.

The Rise of Messaging App Scams in Insurance

WhatsApp and Telegram messaging applications are very common in India and thus a naive field to undertake fraud. Scammers use them to send promotional messages, e-cards, or even “agent credentials” offering the best term plan in India or the best life insurance in India at dirt-cheap prices.

Most common characteristics of fraud:

• They create urgency for payment.
• High and attractive discounts on premium plans
• Payments are usually demanded through personal UPI IDs or wallets.

The types of insurance fraud on messaging apps are as follows.

These are the most frequent scams that we have been witnessing via WhatsApp and Telegram:

1. Fraud Policy Documents

After they accumulate the payments, scammers send forged policy documents. Victims think they’ve bought the best life insurance or best health insurance in India, only to discover there’s no such policy issued in their name.

2. Impersonation of Licensed Agents

Some fraudsters act as IRDAI-certified agents. They use fake ID cards, and even link to fake websites or PDF brochures to sell what they claim is the best term plan in India or other “exclusive” products.

3. Higher Discounts & Attractive Cashback Traps

“Get ₹10,000 cashback on buying the best life insurance in India!”—these messages often lead to payment links where your money disappears, and no policy is issued.

Red Flags to Beware of:

If you’re planning to buy the best health insurance, best life insurance, or best term plan, always check for these red flags:

• If you get calls from an unsolicited number.
• Emails from unofficial domains like ----@gmail.com
• Pressurising for immediate actions without review
• Non-standard paperwork and policies

How PureBima Helps You Stay Safe

PureBima is a trusted solution provider. We empower users to get verified and genuine insurance providers. While looking and comparing for the best health insurance or the best term plan on PureBima, you get:

• Verified policy comparisons
• Genuine policy terms and pricing
• Zero involvement of fraudulent intermediaries
• Guidance on what documents to expect post-purchase

PureBima eliminates the risk of fraud and ensures you find the best insurance plan hassle-free with comparisons.

If you have Been Targeted, take the following steps:

• Stop communicating with the fraud agent.
• Do not share OTPs, Aadhaar, PAN, or banking info
• Report the number to WhatsApp or Telegram
• File a complaint with IRDAI and the local cybercrime unit
• Contact companies such as PureBima to confirm the authenticity of policies

Conclusion

In the quest to secure the best health insurance, best life insurance, or best term plan, consumers in 2025 must be more vigilant than ever. WhatsApp and Telegram scammers are even intelligent, but the correct tools and awareness will help prevent fraud.

PureBima is the platform that helps fintech organisations to make smart and fraud-free decisions related to insurance settlements. Whether you are selecting the best health insurance in India, the best life insurance in India, or the best term plan in India, trust only verified sources and never WhatsApp forwards.