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Insurance Division - General, Accidental & Commercial Insurance

Health Insurance

A health insurance policy will provide a cover to you and your family against sudden medical contingency or bodily injury.

Every human being is exposed to various health hazards. Medical emergency can strike anyone without pre-warning. The reasons why health insurance is a must:

  • Medicines have become quite expensive
  • Private hospitals are too expensive
  • Diagnostic charges are beyond common man's reach
  • Specialists come at a price
  • People opt for Travel Insurance which covers them against medical expenses they may incur while travelling abroad (outside country of residence)
  • Health risk is a personal risk, which could arise from various factors viz.

  • a) Physical condition
  • b) Accident related
  • c) Occupational related
  • d) Environment related
  • e) Life style related
  • f) Travel related

Life Insurance


Life insurance (or life assurance, especially in the Commonwealth of Nations), is a contract between an insurance policy holder and an insurer or assurer, where the insurer promises to pay a designated beneficiary a sum of money (the benefit) in exchange for a premium, upon the death of an insured person (often the policy holder). Depending on the contract, other events such as terminal illness or critical illness can also trigger payment. The policy holder typically pays a premium, either regularly or as one lump sum. Other expenses (such as funeral expenses) can also be included in the benefits.

Life policies are legal contracts and the terms of the contract describe the limitations of the insured events. Specific exclusions are often written into the contract to limit the liability of the insurer; common examples are claims relating to suicide, fraud, war, riot, and civil commotion.

Life-based contracts tend to fall into two major categories:

  • Protection policies – designed to provide a benefit, typically a lump sum payment, in the event of a specified occurrence. A common form - more common in years past - of a protection policy design is term insurance.
  • Investment policies – the main objective of these policies is to facilitate the growth of capital by regular or single premiums. Common forms (in the U.S.) are whole life, universal life, and variable life policies.

General Insurance


Motor Insurance :

Motor insurance protects you against damage caused to your vehicle or third party if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. Motor insurance provides property, liability and medical coverage:

  • Property coverage pays for damage to or theft of your car.
  • Liability coverage pays for your legal responsibility to others for bodily injury or property damage.



Home Insurance :

Your most important asset is your home. Fire, earthquakes, and floods are all too often a part of our life today. With natural disasters and man-made accidents not just a possibility, but an eventuality, it is essential that you secure your home from natural and man-made disasters. Home insurance policy makes sure you have a peace of mind by protecting the structure and/or the contents of your home. Home insurance provides compensation for loss of or damage to a home and it's contents.


Personal Accident Insurance :

  • Accidents occur unexpectedly, many individuals choose to purchase insurance coverage to help family members and loved ones deal with the associated financial instability.
  • Personal Accident is an insurance cover which is recommended to you and your family in the event of accidental death (which life insurance already does), but also to cover disablement, leading to loss of earning capacity. Personal accident policies cover you for one or more of four contingencies in the event of an accident: death, permanent total disability, permanent partial disability and temporary total disability.
  • Personal Accident Insurance is inexpensive and it is recommended that you select the highest level of cover available. Even if you already have permanent health insurance, you should also have Personal Accident insurance to provide cover in case of accidents.

Travel Insurance :

Travel insurance policies have been intended to insure you against certain events when you take a holiday or trip to make your trip stress-free. Before going on a trip you need to address all your travel worries. Medical treatment abroad can be costly and one never knows when one would require it. There might also be other situations, that one might face like loss of passport, flight delay, baggage and so on. Without appropriate travel insurance, you may be exposed to significant financial liability.


Commercial Insurance :

Large corporations or even Smaller Companies have varied needs for insurance. Most insurance companies offer a comprehensive set of products designed to protect business, assets, liabilities, vehicles, construction/engineering/marine cargo/logistics activity & employees against sudden and unforeseen loss or damage.


Group Health :

Comprehensive health insurance solutions, designed for the employees of your company and their family members. It covers your employees and their family members from hospital and medical expenditure that arise out of an illness or accident. Family members include spouse and two dependent children. Fire (property) Fire Insurance is designed to cover your business assets against sudden and accidental loss or damage due to wide range of perils. You can also insure Consequential loss of profits following damage to your assets due to insured perils.


Engineering

Engineering Insurance provides comprehensive insurance solutions for Construction and Erection projects as well as Operational insurance covers like Contractor's Plant and Machinery, Electronic Equipments, Machinery Breakdown Insurance.


Marine

Marine insurance protects your assets against loss or damage while in transit by Rail/Road/Air/Sea.


Liability

Provides complete range of business and commercial insurance liability policies, covering the legal liability of your company and your directors towards third parties and employees.


Group Personal Accident

Accidents can happen to anyone anytime, anywhere. Medical expenses could pile up, adding to the financial burden of your employee. Group Personal Accident Insurance provides cover to your employees against accidental bodily injury, death or disablement. Cover can be arranged on a 24 hours basis or only to cover accidents occurring during the period of employment. It doesn't just cover your employees; it also covers their dependants which include their spouse, dependent children and parents if they choose to cover.


Casualty

Casualty insurances encompass a wide range of insurances like Money, Burglary, Fidelity Guarantee & Plate glass and Neon Sign Board.

what we offer

1

A health insurance policy will provide a cover to you and your family against sudden medical contingency.


2

Life insurance (or life assurance, especially in the Commonwealth of Nations), is a contract between an insurance policy.


3

Your most important asset is your home. Fire, earthquakes, and floods are all too often a part of our life today.