General Insurance

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Health Insurance

Health insurance works as a financial protection too against medical expenses. It is an insurance which usually provides either direct payment or reimbursement for expenses associated with illness, injuries and hospitalization as detailed in the scope of the policy cover. The cost and range of protection provide by the health insurance depends of the insurer and the specific policy purchased. Some policies also cover pre-and post-hospitalization expensed.

Feature :


Any adult.

Entry age

Starting age is 18 which goes up to 60 in most cases, depends on the policy type and insurer

Young dependents can be added to polices taken by adults

Maximum age till which cover is offered

75years in most cases

Some policies offer cover for life

Policy tenure

It's an annual renewal policy in case of most policies across Insurance


Depends on Insured's age an state of health

Depends on policy type and sum assured

Sum assured

Depends on Insured's age and state of health

Depends on policy tenure

Other aspects

Premium frequency is annully

Offers additional cover in the form of riders

Grace period in premium payment

Policy holding

Individual, Family and group


Not available

Insurance type What is offer Comment/Suited for
Death Lump sum payment in case of death due to accident.
Permanent total disability Lump sum payment in case of loss of limbs resulting in permanent total disability Anyone who is mostly traveling by public transport, and is in a job where accident risks are high (construction sites, manufacturing setups etc.) Also for those who don’t have financial dependents.
Permanent partial disability Lump sum payment in case of permanent partial disability, for instance partial vision or hearing loss.
Temporary total disability Lump sum payment in case of temporary total disability arising form an accident; for instance fractured leg.
Individual health plan These are traditional healthcare plans modeled on the old mediclaim type polices offered by the PSU insurers. Typically, the benefits include room, board and other hospital service such as x-ray lab expenses and operating room use. The cover extends to pre-and post-hospitalization and diagnostics, subject to limit and conditions in the policy Acts as the base of your health insurance portfolio and is a must even if it is provided by an employer.
Family floater plan An extension of the individual plan, these cover a family by spreading the risk across the members. For instance, a Rs.2 lakh cover is spread across four family members; two adults and two children. For those who can not afford individual plan for the entire family; a floater is a good start. It is also good for those who have a cover from employer to augment
Senior citizen health plan Most individual health plans are capped at 60 year; these are plans for senior citizens and come with a lower value of cover These who are senior citizens and looking for a basic health cover.
Groups health plans For employee in organizations, comes with certain additional benefits

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Motor Insurance

Motor Insurance is a wide comprehensive cover designed to provide protection to you & your car. Protection from loss of car or damage to the car - giving a secured driving.

It Covers -

  • Own damage
  • Legal liability of insured towards third party personal injury and property damage arising out of an accident involving the insured vehicle.
  • Passengers
  • Hired driver

Options available -

  • Car Insurance
  • Two wheeler
  • Commercial vehicles
  • Passenger Carrying Vehicle
  • 3 - wheeler
  • Tractors etc.

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Travel Insurance

Travel Insurance / Overseas Medi-claim policy is a basic requirement when one travels abroad, either its for business, sight-seeing, shopping or pleasure.

This policy covers you for any kind of hospitalization which is very expensively priced overseas. Also covers for

  • Baggage loss
  • Passport loss
  • Personal accident
  • Trip cancellation
  • Home Insurance when you are travelling
  • Dental Expenses
  • Maternity expenses in life saving scenario etc.

It is a single policy which covers all unforeseen risks - medical & non-medical when one is in a strange place.

Options available -

  • Single Trip
  • Multi Trip
  • Student Medical
  • Senior Citizen
  • Pay per day basis

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Home Insurance

Home Insurance policy provides a cover to the structure and contents of your home from all unforeseen natural & man-made catastrophes.

It provides protection for property and interests of the insured and his family members.

It is imperative that you secure your home which gives one peace of mind protecting the most valued possession.

Coverage are -

  • ire & Allied Perils
  • Burglary & Theft
  • Electrical & Mechanical breakdown (Domestic, Audio & Audio-visual appliances)
  • Public Liability (Third Party Liability)
  • Covers Accidental breakage
  • Coverage to building & contents
  • Personal Accident to self & family

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Personal Accident Insurance

Accidents do not happen when you are driving a car, or away on a vacation. It may happen anytime & anywhere. Considering that modern day life is so dangerous, a personal accident policy is a solution to such vagaries of life. Its a Benefit Policy.

  • Accidental Death Benefit
  • Accidental Permanent Total / Partial Disability Benefit
  • Accidental Partial / Temporary Disability Benefit
  • Broken Bones
  • Burns

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