General Insurance

Insurance other than 'Life Insurance' falls under the category of General Insurance. General Insurance comprises of insurance of property against fire, burglary etc, personal insurance such as Accident and Health Insurance, and liability insurance which covers legal liabilities. There are also other covers such as Errors and Omissions insurance for professionals, credit insurance etc.

Don't Have an Insurance ! or
Want guidance in selecting a plan, just fill the form below & get in touch with us

Motor Insurance

Motor insurance protects your vehicle against losses arising from unforeseen risks. It basically covers financial losses arising from accidents, theft and other natural calamities. Motor insurance is a contract for an automobile in which the insurance company agrees to pay for your financial loss resulting from a said specified event.

Why Motor Insurance

In India, nearly 4 lakh people meet with accidents every month. Fatalities in road accidents in India are moving up at a compounded annual rate of four per cent. Considering the high number and the poor state of roads, Motor insurance is a necessary requirement. By law, Motor Insurance is mandatory. Motor Insurance provides financial cover not only to you but also covers damages to third party (people travelling with you). Motor Insurance also protects you from losses arising from natural calamities like cyclone, earthquake etc.

Types of Motor Insurance
  1. Third Party Insurance

    This insurance is mandatory by law. It protects a policy holder against losses which arise due to bodily injury/death to a third party or any damage to property. Here third party includes people travelling with you or whom the insured person injures and claims damages at the time of accident. But this insurance does not protect you, your vehicle and co-passengers against losses which arise due to bodily injury/death.

  2. Comprehensive Insurance

    In addition to third party coverage, this policy covers you, your car and co-passengers against damages /losses arising from unforeseen calamities, hence it is prudent to purchase this policy.

1. Who should buy Motor Insurance?

Both individual owners as well as corporate entities should buy Motor Insurance. All vehicles, be it for personal or commercial use should be insured.

2. Is Motor Insurance Mandatory?

Motor insurance is mandatory for all vehicles under the provision of Motor Vehicles Act 1988, be it for commercial or personal use. It is compulsory to have a valid Motor insurance policy before you can start driving your vehicle. Motor insurance comes with unique plans for four wheelers, two wheelers and commercial vehicles.

3. What are the benefits from Motor Insurance?

It is a financial safety net that can help you offset the cost of

  • Bodily injuries to yourself or others.
  • Lost wages due to injury.
  • Benefits to survivors when an accident results in death.
  • Lawsuits brought against you as the result of an accident.
  • Repairs made to your car due to damage caused in an accident.
4. What is the cover level of Motor Insurance?

The cover level of Motor insurance can be the insured party, the insured vehicle, third parties (car and people). The premium of the insurance is dependent on certain parameters like gender, age, vehicle classification, etc.

5. What does Motor Insurance not cover?

Motor Insurance does not cover loss due to wear and tear, breakdown, accidents due to drunken driving and war perils. The insurance also does not cover failure or breakage when the vehicle is used outside the geographical area.

6. What is IDV?

IDV is the short form of Insured declared value. It is the value of Sum Assured that can be taken on your vehicle. It is calculated on the depreciated value of your vehicle or on the showroom price of the vehicle depending on the Insurance carrier.

7. Why do premiums vary between different insurance companies?

Insurance companies work with different statistics and use different methods to calculate premiums. Some companies are specialized in certain areas or types and so are prepared to give discounts in those areas. This adds to the complexity as various companies yield varied prices.

8. What are the factors that determine the premium amount?
  • Make and Model of the Vehicle.
  • Year of Manufacture
  • Place of Registration
  • Current Showroom price of the vehicle
  • Whether Client is Individual or Corporate
  • The principal insurance amount and its subsequent premium also vary according to the price of the vehicle.
9. What is Third Party?

Third party would include all people other than the primary insured. They would include people travelling in the vehicle or pedestrians or people involved in the accident.

10. Which type of policy is better and why?

A comprehensive motor loan is better, as it also covers you against losses arising from theft, natural calamities, vandalism etc. This will have a deductable attached to the policy.

11. What is a deductable?

When you file a claim with the insurance company, you have to pay a specific amount as mentioned in the policy for the losses incurred. For example, if the deductable is 10% and you file a claim of 5000 rupees, you have to pay 500 rupees. Hence one has to choose the policy carefully depending on the deductable amount.

12. Are there any benefits for no claims?

Yes, there are benefits like ‘no claim’ discount. If you have a claim free period you can avail a discount on the premium when you renew your policy for the next period. There are other specific benefits that insurance companies provide like free maintenance etc??

Tips for buying Motor Insurance

Motor Insurance can be confusing for many people as there is plethora of Motor policies and is an arduous task to choose an Motor policy which you should really carry to protect yourself compared to various coverages available.

  1. Depending on the vehicle you have
  2. Claim settlement
  3. Customer service
  4. Discount & Deductable %
  5. IDV (Insured Declared value)

Don't Have an Insurance ! or
Want guidance in selecting a plan, just fill the form below & get in touch with us

Travel insurance Simplified

Just because travel can pose a few risks, we do not stop travelling. Instead, we identify and assess possible risks and manage them suitably. When travelling overseas whether for business or pleasure or both, make sure that you buy travel insurance to cover your risks. Make your business trips or vacations safe and memorable by buying travel insurance before commencement of travel.

Why Buy Travel Insurance

Travel Insurance offers insurance protection while you travel. Travel Insurance may be called by different names by insurance companies. It is important for you to check and understand whether the policy covers domestic travel or overseas travel or both. Travel Insurance protects you and/or family against travel related accidents, unexpected medical expenditure during travel, losses such as baggage loss, loss of passport etc and interruption or delays in flights or delayed arrival of baggage etc.

What Travel Insurance to Buy

The Scope of Cover and Benefits offered by different insurance companies would vary. You must shop around to ensure that you purchase the best travel insurance policy that you need. The following are covers that are generally provided under Travel Insurance- though the combination may vary. The list, however, is not exhaustive.

  • Medical Expenses with or without cashless facility (most travel insurance products offer cashless facility)
  • Personal Accident
  • Loss of Baggage
  • Delay in Baggage arrival
  • Loss of Passport
  • Travel Delay
  • Repatriation
  • Transportation of dead body etc.

The Sum Insured offered may vary and so would the premium rates, which would depend on the country in question, apart from other factors such as Age, Period Of Travel etc.

You must go through the exclusion clauses very thoroughly. Ask your insurer and/or agent or broker for clarifications wherever you have a doubt. In general, the following are not covered in an International travel insurance policy:

  • Pre-existing diseases
  • War Risks
  • Suicide and Insanity
  • Hazardous Sports

There could be some exclusions relating to personal effects.

It is also very important for you to understand what to do in case a claim situation arises abroad. Generally, international travel insurance policies provide hotline numbers where intimation of claim/s should be given. You must also notify the concerned authorities involved e,g, local police, embassy, transportation company etc, as applicable. The insurer should also be notified. Normally, every International travel insurance policy docket will also contain a claim form as you will be away in a distant place and may not be in a position to obtain a claim form immediately.

Don't Have an Insurance ! or
Want guidance in selecting a plan, just fill the form below & get in touch with us

Term Insurance

Term insurance, a type of life insurance, provides coverage for a certain period of time or years. If the insured dies over the policy tenure a death benefit (or sum assured) is paid out. No payout is made if the insured survives the tenure.

The purpose of taking life insurance is to provide life cover to the policyholder and financial security to his family.

There are two ways the individual can take life insurance:

  1. By opting for a pure life cover, also known as term insurance
  2. By taking life cover with a savings component built-in,also called endowment insurance

Why term insurance is better

Term plans provide pure life cover. This means there is no savings / profits component. They are basic plans which make life insurance more affordable vis-à-vis other options. It is possible for the policyholder to opt for a larger life cover at a lower premium when compared to a similar endowment plan.

Some of the key features that make term plans indispensable include

  1. Larger life cover

    Since term life insurance plans are more affordable it is possible for an individual to opt for a higher life cover for the same premium as an endowment plan. For e.g. a 30-year old can get a term plan with a cover of Rs 1 crore for a 30-year term by paying a premium .

    The Rs 1 crore endowment plan will most likely out of bounds for most 30-year olds. However, taking a term plan for a similar cover is relatively more feasible.

  2. Riders

    The policyholder can attach riders to the term plan, thereby enhancing the utility of the policy. So by opting for a critical illness rider or a critical illness plan, for instance, he is entitled to receive the sum assured on being diagnosed with the critical illness. This is in addition to the death benefit of an equal amount on death over the term of the policy. There are other riders to choose from like – loss of employment cover,disability cover, waiver of premium cover, among others. The policyholder should select riders based on his specific needs to make the life cover more suitable and meaningful.

  3. Enhanced cover

    Certain insurance companies offer the flexibility to enhance the life cover during critical stages of the policyholder’s life. For instance, the policyholdermay be permitted to enhance life cover by 50% at the time of marriage and by 25% at the time of turning a parent. This makes it possible for him to start with a modest cover and then enhanceit as responsibilities increase as also the ability to pay higher premium.

  4. Innovative features

    While insurance companies have been quick to innovate in general, they have been most innovative with regards term plans. For instance, companies have been quick and proactive in cutting premium rates even offering extra discounts to certain categories like non-smokers, for instance. Buying term plans is now quite convenient thanks to the internet. It is possible for a healthy individual, as defined by the insurer, to buy a term plan over the internet without taking a medical test.

Don't Have an Insurance ! or
Want guidance in selecting a plan, just fill the form below & get in touch with us

What can be insured?

  • Dwellings Offices Shops Hospitals(Located outside the compounds of industrial/manufacturing risks)
  • Industrial / Manufacturing Risks
  • Utilities located outside industrial/manu
  • facturing risks
  • Machinery and Accessories
  • Storage Risks outside the compound of industrial risks
  • Tank farms / Gas holders located outside the compound of industrial risks

Perils covered

  • Fire
  • Lightning
  • Explosion/Implosion
  • Aircraft damage
  • Riot Strike
  • Terrorism
  • Storm Flood inundation
  • Impact damage
  • Subsidence landslide
  • Bursting or overflowing of tanks
  • Bush fire etc.

Not covered-

The policy does not cover any loss if
Loss or damage to property due to :
  • Spontaneous combustion fermentation
  • Burning of property by order of any Public Authority
  • Its undergoing any heating or drying process
  • Explosion of boilers (other than domestic boilers)
  • Total or partial cessation of work
  • Permanent or temporary dispossession by order of Government
  • Burglary House breaking theft
  • Normal Cracking or settlement or bedding down of new structures
  • War or war like operations
  • Defective design workmanship defective materials
  • Pollution or contamination
  • Over-running short circuit etc.
  • Earthquake
  • Spoilage loss

Add on Covers

  • Terrorism
  • Removal Of Debris
  • Architects Surveyors Consulting Engineers fees
  • Earthquake (Fire and Shock only)
  • Spontaneous combustion
  • Startup expenses
  • Spoilage Material Damage Cover
  • Leakage and Contamination cover

These additional covers are available by payment of additional premium.

Industrial All Risk Policy

The assets of Industrial manufacturing units are exposed to various perils like Fire, flood, Riots, burglary, electrical/mechanical breakdown and the explosion of boilers. The damage to these perils leads to stoppage of production and the resultant loss of profit in addition to the repair or replacement cost of affected machinery.
Bursting and overflowing of water tanks, apparatus and pipes, Deterioration of stocks due to power failure following damage to premises of public power stations and electric service feeders (for Cold Storages), Forest fire, Leakage and Contamination cover, Spoilage Material Damage cover, Sprinkler leakage cover, Subterranean fire, Spontaneous and Landslide cover, Burglary (other than Larceny), Machinery Breakdown/Boiler explosion/Electronic Equipment, Business Interruption following fire, Business Interruption following Machinery Breakdown

Fire Loss of Profit Insurance (FLOP)

The Consequential Loss (fire) policy covers Loss of Gross Profit and /or increase in cost of working due to reduction in turnover / output due to operation of peril covered in the Standard Fire & Special Perils Policy.

The material damage Policy indemnifies the loss to the property insured due to the operation of insured perils. Even if the coverage is adequate and the claim settled on reinstatement value basis the insured still has other losses which may ruin him. These losses are the loss of business and financial loss as the consequence of operation of the peril and at times are larger than the material damage loss.

In case of a major fire the insured that has opted for a policy on market value basis has to contribute a sizeable part of the reconstruction cost due to:
  • Deduction on account of depreciation
  • Under insurance if the value at risk is more than the Sum insured
  • Items not covered in the policy
  • Excess as applicable
  • In addition to the above exclusion number 9 of Fire policy excludes “Loss of earnings, loss by delay, loss of market or other consequential or indirect loss or damage of any kind or description whatsoever”.


Marine insurance covers the loss or damage of ships, cargo, terminals, and any transport by which the property is transferred, acquired, or held between the points of origin and the final destination. Cargo insurance is the sub-branch of marine insurance, though Marine insurance also includes Onshore and Offshore exposed property, (container terminals, ports, oil platforms, pipelines), Hull, Marine Casualty, and Marine Liability. When goods are transported by mail or courier, shipping insurance is used instead.

Marine Insurance – Open Cover Policy

  • The open cover is a contract for 12 (twelve) months which gives the Insured continuous
  • protection to cover large number of shipments / despatches and the premium of which would be adjusted from the respective cash deposit account maintained by the Insured.
  • The open cover is not having any Sum Insured but issued with SCL / PBL along with Terms of Cover etc.
  • An open cover is not a policy and therefore not stamped.

Marine Insurance – Specific Policy

  • This type of policy covers specific goods for a specified voyage / journey
  • The Cargo, its value, the name of the Ship / Conveyance, port of loading and discharge are all known and the risks are well defined.

Marine Insurance – Open Policy

  • The open policy is issued to cover several shipments/ despatches for the period of 12 (twelve) months based on the Sum Insured sufficiently large and adjusted against the value of each cargo in a reducing balance method.
  • Traders having regular despatches are interested to take the benefit of the Open Policy.

Marine Insurance – Sales Turn Over Policy (STOP)

  • The policy is designed to cover Sales Turnover (including export / import / indigenous sales, stock transfer, procurement etc.) during the financial year of the Assured.
  • The policy is normally issued to the corporates having production unit and registered under Companies Act 1956.

Marine Insurance – Duty Insurance Policy

  • The policy is designed in conjunction with Import of cargo where the landed cost would be more than the CIF value by imposition of Custom Duty.
  • The policy is not agreed value basis and claim under this section is payable on actual basis

Marine Insurance – Increased Value Policy

  • The policy is designed to cover the steep rise of market value of cargo which is more than CIF + value of Custom Duty on the date of arrival of goods in India.
  • The policy is not agreed value basis, the sum insured should be the difference of value at the market and CIF + Duty on the date of arrival of goods.

Marine Delay in Start-up Insurance Policy (Marine DSU)

  • The policy is related to project where the Marine Policy is in effect for procurement of project materials.
  • The policy covers contractual and financial risks of the client apart from physical risk of a particular project.

Hull and Machinery

An H&M policy protects ship-owners against physical loss or damage to the vessel’s hull, machinery and everything connected therewith. H&M cover which is based on the “named perils” principle - marine perils that a ship-owner undergoes during maritime adventure, subject to the standard exclusions, similar to ITC Clauses. H&M cover based on other markets' recognized Rules or Clauses.

Don't Have an Insurance ! or
Want guidance in selecting a plan, just fill the form below & get in touch with us

Engineering Insurance

The rapid industrialization of our country has led to increasing use of machines in industry. Though use of machinery results in increased production capacities, in the event of accident and breakdowns, they can be potential sources of financial loss and could even result in the closure of business. In spite of proper care and maintenance of machinery, mishap may yet occur. Sometimes the extent of damage may be quite high and may also lead to fatal or non‐fatal injuries to human beings nearby. The remedy for such losses is offered by Engineering Insurance policies.

Contractor's All Risk Insurance Policy

Contractor's All Risk Insurance offers comprehensive and adequate protection against loss or damage in respect of contract works, construction plant and equipment and/ or construction machinery, as well as third party claims in respect of property damage or bodily injury arising in connection with the execution of a civil engineering project. This policy is extremely useful for consulting engineers, architects and financiers because it contributes to reducing the overall construction expenses and at the same time offers efficient financial protection for all parties concerned.

Erection All Risk Insurance (EAR) Policy

The Erection All Risks policy is a comprehensive insurance, which provides complete protection against all types of risks associated with erection, testing, commissioning of machinery, plant and equipment during constructional stage.

Erection All Risks Insurance embraces a wide variety of plant and machinery at all levels of complexity, ranging from the relatively straight forward positioning and connecting up of single manufactured items of equipment such as small pumps or electric motors to complete major industrial complex such as a large power station or manufacturing facility.

Electronic equipment insurance (EEI) Policy

The economic activity is truly depending on mechanised setup and yes it is only the multi-various level equipment that forced us to compete achievement on business needs by automation.

With the advent of electronic era in India, almost all industries rely on electronic aids. It is obvious that such electronic equipment are high cost and more costly enough to warrant a comprehensive policy to cover the perils.

Machinery Insurance

Machinery Breakdown Insurance offers you financial protection in case your machine suffers accidental, electrical and m breakdown requiring repairs and/or replacement. Machinery Breakdown Insurance covers all types of Industrial equipment like Turbines, Compressors, Generators, Transformers, Rectifiers, Electric Motors, Diesel Engines, Pumps, Wind Mills, etc.

Don't Have an Insurance ! or
Want guidance in selecting a plan, just fill the form below & get in touch with us

Miscellaneous Insurance

Credit insurance

Credit Insurance protects companies against customer defaults. It covers the sales of the companies to its buyers on credit against the risk of loss due to the insolvency of their customers.

Scope of Cover-

  • Protracted Default or Delayed Payment by the debtors.
  • Insolvency

Not covered:

  • Trade disputes.
  • Non-Acceptance of goods.

Political Risks -
Scope of Cover-

  • Natural disasters like earthquakes, cyclones, floods, etc.
  • Import license cancellation.
  • Protracted Default on State-Owned Entities.
  • Any measure was taken by the country where the buyer is located, preventing payment of a transaction.


  • Trade Disputes
  • Currency fluctuation risk
  • Receivable arising from financial services or consultancy service
  • Issuance to policies to banks/factors/lenders
  • Reverse Factoring Policies
  • Sales on Letter of Credit or Bank Guarantees or on any other protection from a third party
  • Other than through the insurance policy

Shopkeepers Insurance

Shopkeeper Insurance Policy covers all the probable risks and perils faced by small to medium sized shop owners. It provides protection for the property and the interests of the Insured in the business venture.

Burglary Insurance Policy

Any individual whose property is exposed to risk of burglary; one who is liable for goods in trust/commission; one who is liable to make good damage to premises. Movable property like stock, stock –in –trade, plant & machinery can be covered. These are covered so long as they are reasonably protected.

Money Insurance

Indemnifies the insured against loss of money in transit by the insured or insured’s authorized employees occasioned by Robbery, Theft or any other fortuitous cause. “Money" carried by authorized messengers of the insured while in transit from the time it is taken out till received at the destination--points of origin and destination being specified before-hand. Undisbursed money retained in a burglar-resistant and safe against burglary-risks. Cash carried by insured /proprietor/partner/director and also one firm carrying the cash of another firm in the same premises is also insurable. Cash retained overnight by the employees in their residences in locked steel cupboard when on collection duty up to 48 hours from the time of collection.

Fidelity guarantee

Financial loss sustained by the Insured due to any act of fraud or dishonesty of the employee in connection with his employment/occupation and his duties.

Jewellers Block Policy

This policy had been specially devised for diamontaires, i.e those establishment dealing solely in diamonds. This is obvious from the fact that specific mention has been made of brokers, cutters, sorters etc. and also dispatch by registered post and angadia .

Office Package Policy

Office Package Policy which is designed specifically for office establishments including IT & ITES Sector. The innovative endeavor brings to you the flexibility to design the policy as per your needs by allowing you to choose the covers that you may require to protect your property and manpower, all with the convenience of a single policy.

Event Insurance Policy

Whatever ventures you may undertake in entertainment industry, be it Religious gatherings, Music Concerts or Awards Function, all your elaborate preparations and effort could be ruined if some unforeseen things happen. You can't possibly anticipate everything that may go wrong, but you can surely and comprehensively protect yourself from loss by opting for this customized insurance cover.

Scope of Cover
Section I – Cancellation of Event
Section II- Material damage
Section III- Personal Accident
Section IV- Public Liability

Don't Have an Insurance ! or
Want guidance in selecting a plan, just fill the form below & get in touch with us

Liability Insurance

Credit insurance

Most of the managerial & professional liabilities that may affect any organization can be indemnified by Insurance. With people having background from various sectors coupled with extensive knowledge about operations, exposures and appropriate risk management techniques.

Directors & Officers Liability policy

The Policy protects directors, officers or the Company against legal claims for wrongful acts performed by directors or officers in performing their corporate duties. Wrongful acts include omissions, errors, misstatements, misleading statements, neglect or breach of duty.

Directors and officers can be personally sued by shareholders for insider trading, by creditors for misrepresenting the financial health of the company and competitors for unfair trade practices. Thus, this policy protects Directors & Officers for claims brought against for wrongful acts in performance of their duties.

Errors & Omission Insurance policy

Errors and omission policies are issued to a host of professionals ranging from quality certifying agencies to soft wear developers , advertising agencies , stock brokers and the whole gamut of new age professionals . Specific policy terms and coverages provided for computer services and software developers professionals.

All sums which the insured becomes legally liable to pay as damages to third party in respect of Errors and/or Omissions on the part of the Insured whilst rendering professional services, arising out of claims first made in writing against the insured during the policy period, including legal costs and expenses incurred with the prior consent of insurer, subject to the limits of indemnity.

Professional Indemnity policy

The Policy will indemnify the Insured in respect of ERRORS and / or OMISSIONS on the part of the Accountants (Chatered Accountants, Financial Accountants, and Management Consultants)/Lawyers (Advocates/Solicitors/Counsels), his named employees, partners while rendering professional services. In normal course all claims for compensation have to be legally established in the court of law
Defense cost, fees and expenses shall be paid by the company subject to the limit of indemnity under the policy.

Public Liability policy

The Public Liability Act 1991 was made effective from 1st April 1991. The object of this Act is to provide through insurance immediate relief to persons affected due to accident while handling hazardous substance by the owners on no fault liability basis. This has also been brought under Tariff. The definition of Owner is so comprehensive as to cover any person who owns or has control over any hazardous substance at the time of accident. This includes any Firm or its partners. Association or its members Company or its Directors and all other persons associated and responsible to that Company in the conduct of their business.

Product Liability

This insurance is intended to provide an indemnity to the insured (up to the limit of liability) in the event of a claim being brought against him. This may be caused by anything harmful or defective in the products sold or supplied by the insured in connection with the business specified. The Company in addition will reimburse all costs and expenses incurred with its written consent defending such a claim for compensation. The insurance will however not cover the cost of removing replacing or repairing defective products or loss of use thereof.

Product Recall policy

Insurance coverage for the cost of getting a defective product back under the control of the manufacturer or merchandiser that would be responsible for possible bodily injury (BI) or property damage (PD) from its continued use or existence.

Commercial General Liability

Commercial General Liability cover offers the option of protection for bodily injury, property damage, advertising injury and personal injury to a third party for which a company is found to be legally liable. The policy can provide a separate advertising/personal injury to a third aggregate limit that is not subject to a general aggregate limit. CGL addresses a wide range of liability loss exposures, falling into two categories
Premises and Operations Liability:
Liability for conditions or activities arising out of the premises or operations of a company.
Products and Completed Operations Liability:
Liability of a company to a user who is harmed by products manufactured, sold or distributed by the company.

Cyber Liability

Today we live in an increasingly connected digital world of Mobile and Internet Banking, Social Media and E-Commerce spending significant amount of our time on the internet. The amount of individual's personal data being generated, transmitted, and stored on to various digital devices is also growing at an exponential rate. The critical nature of this data and the complexity of the systems that support its transmission and use, combined with the possibility of remote and anonymous access, have created a gamut of Cyber Risks such as Identity Theft, Malware Attack, IT Theft Loss, Phishing, E-Mail Spoofing, Cyber Extortion, Cyber Stalking, Media Wrongful Act etc. to which Individuals are exposed to due to Cyber Attacks. Insurance company provides a comprehensive insurance cover to the Individual to pay for losses that could arise if the Cyber Risks are subjected to Cyber Attacks.

Don't Have an Insurance ! or
Want guidance in selecting a plan, just fill the form below & get in touch with us

Employee benefit INSURANCE

Group term insurance plan

In an organization, such an insurance plan generally means a group term insurance plan that provides complete insurance coverage to each employee. A group term insurance plan secures the financial reserves of the employees and guarantees a secure future for their dependent families even in their absence. In actual practice, many corporate organizations offer group term insurance plans for their employees to safeguard their monetary strengths. Although the employees may have their own individual insurance plans, yet a group term insurance policy is beneficial on the whole and mandatory in places where it is in effect.

Group Mediclaim Policy

The Group Mediclaim Policy will be available to any Group/Association/ Institution/ Corporate Body of more than 50 persons/families provided it has a central administration point. Each insured should cover all eligible members (insured Persons) under one group policy only. In other words different categories of eligible members shall not be allowed to be covered under different group policies. It is not permissible to issue any un-named group policies. b) The group policy will be issued in accordance with IRDA guidelines, in the name of the Group/ Association /Institution / Corporate Body (called insured) with a schedule of names of the members including his/her eligible family members as per the following definition.
Scope of cover
Covers medical expenses incurred during Hospitalization for a minimum period of 24 hours 30 days pre-hospitalization and 60 days post-hospitalization expenses covered.

Key benefits

  • Flexible product which can be tailor made for your requirements.
  • Availability of Family Floater wherein any member of the family can avail of the Floater Sum Insured.
  • Cashless service available at all the network- hospitals

  • Additional coverage
    Following are some of the covers which can be availed upon payment of additional premium
    Pre-existing diseases

    Maternity expenses with specific capping in sum insured.

    Group Personal Accident Insurance

    Welfare schemes adopted by corporate houses for their employees would be incomplete without employee accident insurance cover. Companies are offering insurance coverage options to employees. It is to ensure that as an employer they are concerned about the safety of people. So, group accident health insurance is one appropriate option to help them acquire healthcare safety.

    Accidental bodily injury directly resulting in the Death or disablement to insured person as per the Table of Benefits
    Scope of cover
    A) Basic Cover—Death only
    B) Wider Cover---Death + Permanent Total Disability + Permanent Partial Disability
    C) Comprehensive Cover----Death + Permanent Total Disability + Permanent Partial Disability + Temporary Total Disability

    Workmen’s Compensation Insurance Policy

    Scope of cover
    The policy, provides for two forms of insurance.

    Table 'A' - Indemnity against legal liability to all employees (whether or not coming within the definition of the term Workmen) under the W.C.Act 1923 and subsequent amendment to the said Act prior to the date of issue of the policy, the Fatal Accidents Act, 1855 and at Common Law.

    Table 'B' - Indemnity against legal liability under the Fatal Accidents Act, 1855 and Common Law. (Table 'B' policies may not be issued to cover employees who fall within the definition of "Workmen" under the Workmen's Compensation Act, 1923 as amended).

    Don't Have an Insurance ! or
    Want guidance in selecting a plan, just fill the form below & get in touch with us


    Health Insurance policy is an insurance cover which shields you against increasing medical costs arising out of hospitalization. It offers financial protection in case of hospitalization due to illness or an accident. Similar to other forms of insurance, Health Insurance policy benefits can be exercised by paying a premium annually. This type of insurance policy comes with a defined policy period and needs to be renewed to continue enjoying the benefits of the policy. Additionally, the premium that you pay is eligible for tax exemption under Section 80D of the Income Tax Act 1961, making it a good investment.

    • Individual Health Insurance Policy: Under this type of policy, only the policyholder is covered against major medical expenses arising out of hospitalization.
    • Family Floater Policy: The policyholder and other family members such as parents, spouse, and children are covered under this plan.
    • Senior Citizen Health Insurance Policy: Under this type of plan, senior citizens are covered for medical expenses with special provisions.
    • Critical Illness Health Policy: Medical expenses arising out of critical illnesses are high and the Critical Illness health policy offers to cover illnesses such as cancer, kidney failure, cardiovascular-related illnesses, etc.
    • Overseas Mediclaim Policy: Under this type, it allows you to raise claims from hospitalization expenses that were incurred overseas.
    • Super top up Health Policy: Super Top-Up health Policy is a suitable health insurance policy for people looking for high sum insured options at reasonable premiums. The policy provides the insured coverage for reasonable, customary, and medically necessary expenses. It comes with a wide range of sum insured options starting from Rs. 3 lakh and going up till Rs. 50 lakh with threshold limit between Rs. 1 lakh and Rs. 10 lakh. The policy offers several benefits to the policyholders.

    Don't Have an Insurance ! or
    Want guidance in selecting a plan, just fill the form below & get in touch with us

    Car Insurance

    Car insurance, a comprehensive package policy which covers Loss or Damage to your car; Liability to third parties and provides personal accident cover to the Owner/Driver.

    • Accidental & External Damage
    • Fire & Explosion
    • Riot & Strike
    • Malicious Act
    • Burglary, housebreaking/ Theft
    • Landslide
    • Earthquake
    • Storm and Flood
    • Terrorism
    • Legal protection for death or injury claims from third parties
    • Legal protection for damage to third party property.
    • Legal costs and Expenses.

    We are a AMFI ( Association of Mutual Fund in India) registered MF Distributor vide ARN : 83718 . We provide investment advice to our clients, incidental to our primary activity. You can check the list of all mutual funds where we are acting as a distributor - fundlist.

    We do not charge any advisory fees or transaction fees – directly or indirectly, because we earn commission from the funds which we distribute. You can check the commission disclosure sheet here at Commission Disclosure Although we take our best attempt to ensure the suitability of the product being sold to you, but the same may not always be in the best of your interest.