Chennai, 2035. Falling in love is still free, but staying in love comes with a premium, because the Love Insurance Kompany now guarantees relationships for a fee. Couples buy policies that promise compensation if their partner leaves, and an algorithm scores every romance in the city, deciding who deserves love and on what terms.

Vibe, a cheerful young man who still believes in uncalculated love, falls for a bright, independent woman whose family insists any relationship must be properly insured first. Their meetings keep failing the Kompany’s compatibility audits in hilarious ways, from mismatched playlists to an unauthorised handwritten poem, and every rejection only convinces Vibe that a system frightened of poetry understands nothing about the human heart at all. His refusal to sign a policy makes him a public curiosity and a business problem, especially for the Kompany’s flamboyant chief, who built an empire by turning heartbreak into a subscription service.

Determined to prove that love cannot be underwritten, Vibe and his loyal, ever-hungry friend launch a series of comic rebellions against the system, from hacking match scores to staging uninsured weddings. As his movement grows online, the Kompany strikes back with rules, fines and a tempting offer designed to make him sell out his own belief.

Love Insurance Kompany, directed by Vignesh Shivan, is a colourful sci-fi romantic comedy that satirises dating apps, corporate control and our fear of heartbreak. Pradeep Ranganathan and Krithi Shetty sparkle as the lead pair, while S. J. Suryah and Yogi Babu steal scenes. It asks, with laughter, whether love insured is love at all. Bright production design, playful technology and catchy music make its future Chennai feel delightful rather than dystopian.

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