General Insurance

General Insurance

It is important to safeguard our valuable assets to protect their economic value in the wake of any unforeseen events. General Insurance includes insurance of property against mishaps, personal insurances such as accidents, health insurances, and liability insurance.General Insurance covers all forms of insurances possible, but life.

What Are The Different Kinds Of Insurance?

Health Insurance

In this age of constantly increased risk of lifestyle and other diseases, a Mediclaim Policy is the best way to cover up all medical expenses. These policies cover the insured person for in-patient hospitalization provide extensive coverage including room charges, boarding expenses, nursing expenses, operation theatre charges, ICU charges, surgeon fees, specialist fees, medical practitioner, consultant fees, cost of medicines and drugs, blood, oxygen, diagnostic test, cost of pacemaker, artificial limbs, etc. Pre & post hospitalization, pre-existing diseases, day care treatment, domiciliary hospitalization, thecost of ahealth check-up, ambulance charges, etc. are covered in Mediclaim policy.

The Premium paid is eligible for tax benefit under section 80D of the Income Tax Act. The benefit of Bonus in sum insured for every claim-free year of the policy can be availed. Some policies provide cashless hospitalization in their network hospitals. There are several insurance companies offering health coverage at affordable premium rates. We bring to you, different products available to suit your best requirements. Options available: Family Floater, Individual Health Insurance, Critical Care, Personal Accident, Top Up Policy, Health Policy, Including OPD Coverage, Family Floater Including Parents or in-laws, Senior Citizen, Individual Health Insurance + Life cover.

Office Insurance

In most of the cases, office insurance policy is technically called a BOP or Business Owners’ Policy. A Business Owners’ Policy is a form of package insurance policy that insurance carriers have created to meet the needs of common business classes. Coverage includes General Liability, Business Property, Business Income, Employee Dishonesty, Electronic Equipment, etc.

Vehicle Insurance

Motor Insurance is a wide & comprehensive cover designed to provide protection to you & your vehicle. It provides protection from loss of vehicle due to theft, damages due to accidents, legal liability of the insured vehicle driver & owner towards third party’s injury and any property damages caused due to accidents. It also provides personal accident cover to the passengers of the vehicle and to a hired driver.

Other advantages of an insured vehicle

  • • Depreciation Reimbursement.
  • • No Claim Bonus Protection.
  • • Repair of Glass, Fibre, Plastic and Rubber Parts.
  • • Emergency Transport and Hotel Expenses

House Insurance

Insurance policy provides a cover to the structure and contents of your premises from all unforeseen natural & man-made catastrophes. It provides protection for property and interests of the insured and their family members. It is imperative that one secures their home which gives them peace of mind.These insurances usually provide protection against includes fire & allied perils, Burglary & Theft of Electronic and other domestic appliances, Goods in stock, Money in safe, etc.

Crop Insurance

Crop insurance is purchased by agriculturists to protect themselves against either the loss of their crops due to natural disasters, such as hail, drought or floods, or from the loss of revenue due to declines in the prices of agricultural commodities.

Theft, Burglary Insurance

The theft, burglary insurance policy is purchased to provide cover for property in business premises, stocks owned or held in trust and/or commission. It can be further extended to cover cash, valuables, securities kept in a locked safe or cash box in locked steel cupboard, and even riots, strike and malicious damage.

The policy pays for the loss or damage to the insured property, subject to the limit of sum insured.If the insured sum is not adequate, the policy pays only proportionate loss.

Travel Insurance & Term Insurance

Travel Insurance policies are purchased to ensure safe overseas journeys. These policies range from coverage of medical expenses and accidents, to the loss of checked-in baggage and passports. Some policies also cover trip delays and hijack.

Property Insurance

Property insurance provides protection against most risks to property, such as fire, theft and weather damage through specialized forms of insurance such as earthquake insurance, home insurance, boiler insurance, etc.