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.

Non-life insurance companies have products that cover property against Fire and allied perils, flood storm and inundation, earthquake and so on. There are products that cover property against burglary, theft etc. The non-life companies also offer policies covering machinery against breakdown,there are policies that cover the hull of ships and so on.

A Marine Cargo policy covers goods in transit including by sea, air and road. Further, insurance of motor vehicles against damages and theft forms a major chunk of non-life insurance business. Personal insurance covers include policies for Accident, Health etc. ,

Products offering Personal Accident cover are benefit policies. Health insurance covers offered by non-life insurers are mainly hospitalization covers either on reimbursement or cashless basis. Liability insurance covers such as Motor Third Party Liability Insurance, Workmen’s Compensation Policy etc offer cover against legal liabilities that may arise under the respective statutes— Motor Vehicles Act. There are general insurance products that are in the nature of package policies offering a combination of the covers mentioned above. For instance, there are package policies available for householders, shop keepers and also for professionals such as doctors, chartered accountants etc. Apart from offering standard covers, insurers also offer customized or tailor-made ones.

investment-pyramid

  • Property Insurance

    Health is wealth and a Mediclaim Policy is the best way to insure it. Mediclaim is the best solution that you can use to cover up all medical expenses.

  • Personal Accident

    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.

  • Personal Accident

    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.

  • Coverages are -
      Accidental Death Benefit
     Accidental Permanent Total / Partial Disability Benefit
      Accidental Partial / Temporary Disability Benefit
      Broken Bones
      Burns
  • Fire Insurance:

    Your office/plant is your showcase to the world. You manage and maintain your office/plant with lot of detail, passion and money. A major fire can result in a disaster for a business to the extent that many companies never recover. The importance of having a fire insurance policy cannot be over emphasized.


    Fire Insurance covers your office's structure and contents not only against the risk of fire but also other perils like lightning, flood, storm, earthquake, riots, terrorism etc.

  • Burglary Insurance:

    This policy covers property contained in business premises, stocks owned or held in trust against the risk of burglary. It also covers cash, valuables, securities kept in a locked safe or cash box in locked steel cupboard on specific request.


  • Machinery Breakdown (MBD) Insurance:

    The unexpected occurrences of Machinery Breakdown can damage machinery and cause expensive production delays or interrupt cash flow. This policy covers the breakdown of machinery due to various perils. This policy is indispensable for businesses that operate using a large number of machines. The breakdown of a single machine may bring the operations of the factory to a standstill. This policy covers monetary costs involved in restoration or replacement of machines.


  • Money Insurance:

    Businesses handle cash, and bankers' drafts, making this form of insurance essential.





  • The Insurance Covers:
     Money while in transit in the personal custody of the insured or his employee.
     Money in premises during business hours
      Money in a safe or strong room outside business hours.

  • All Risks Insurance:

    This policy covers valuables like Jewellery, ornaments, paintings, work of art, and similar artifacts of sentimental values. The policy provides cover on a wide basis and covers loss or damage due to fire, riot & strike, burglary, house breaking, theft and accidental loss or damage. Cover is not freely granted on account of its vulnerability to losses and moral hazard..

  • Contractor's All Risk Insurance:

    Construction being a risk prone industry, accidents, including personal injuries and property damage are very frequent,and these accidents may bust your plans, schedules and costs. A CAR policy covers the physical damage to materials to be used for the project - whether in transit, in storage or forming part of the contract works. There is also an ancillary cover up to moderate limits for third party liabilities. It is a main feature of the CAR policy to cover those who have an immediate material interest in the project. That includes the owner, the contractor and usually all sub contractors...



  • This policy covers individual & ones family from medical expenses during:

    •  Sudden illness
     Surgeries (acquired in respect of any disease, which has arisen during the policy period.)
     Thses policies cover the insured person for following:
     In-patient hospitalization provide extensive coverage including room charges, boarding expenses, nursing expenses, operation theater 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 and post hospitalization, pre-existing diseases, day care treatment, domiciliary hospitalization

     Cost of health check-up, ambulance charges, etc. are also covered.
     The premium paid is eligible for tax benefit under section 80D of the Income Tax Act,1961.
     The benefit of discount in premium for every claim free year of the policy.
     Cashless hospitalization service at all network hospitals.
    Several insurance companies offering a wider health coverage at affordable premium rates. We bring to you different products available to suit your best requirements.

     Family Floater
     Individual Health Insurance
     Individual Health Insurance + Critical Care

     Critical Care
     Personal Accident
     Top Up Policy
     Health Policy Including OPD Coverage
     Family Floater Including Parents or in-laws
     Several insurance companies offering a wider health coverage at affordable premium rates. We bring to you different products available to suit your best requirements..


  • Motor Insurance

    • 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
     Own damagePassengers

     Hired driver
     Depreciation Reimbursement
     Loss of Personal Belongings
     Daily Allowance
     Repair of Glass, Fibre, Plastic and Rubber Parts
     Key Replacement
     Emergency Transport and Hotel Expenses
     Return to Invoice Options available
     3 - wheeler
     Tractors etc.
     Car Insurance
     Two wheeler
     Commercial vehicles
     Passenger Carrying Vehicle


  • 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. 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

  • Hijacking
    •  In an unfortunate event of your common carrier in which you are traveling; being hijacked, it will pay a distress allowance to you.

  • In-hospital Indemnity
    • Travel Guard pays a Daily benefit for each day you are an inpatient in a hospital due to injury or sickness.

  • Trip Delay
    • Reimbursement of additional expenses occurred due to trip delay.
  • Automatic-extension of the policy
    • It allows you to extend your policy upto a period of 7 days from the policy expiry date.

  • Personal Accident
    • It gives you worldwide coverage against Accidental Death and Dismemberment while you're abroad anywhere in the world.

  • Sickness Dental Relief
    • The policy pays for immediate Dental Treatment occurring due to sudden acute pain during the course of an overseas Insured Journey. Dental benefits will be provided for Medically Necessary filling of the tooth or surgical treatment, services, or supplies.

  • Coverage of Medical Expenses
    •  It takes care of your medical expenses due to accident and sickness while traveling so that you can concentrate on better things like enjoying the holiday.

  • Checked Baggage Loss
    •  Compensation for the loss of checked in baggage.

  • Baggage Delay
    •  Compensation for reasonable expenses incurred for purchase of emergency personal effects due to delay in arrival of checked in baggage, whilst overseas.

  • Loss of Passport
    •  Compensation for expenses incurred in obtaining a duplicate or new passport.

  • Personal Liability
    •  Compensation for damages to be paid to a third party, resulting from death, bodily injury or damage to property; caused involuntarily by the insured.

  • The Assistance Services include Medical Assistance and Non Medical Assistance:
    Non Medical Assistance includes:
    •  Pre-departure services
     Embassy referral services
     Claims procedures Information services
     Lost Luggage or Lost Passport
     General Assistance
     Pre-Departure Services
     Emergency Travel Agency
     Emergency Cash Transfers and Advances
     Legal Assistance

  • Medical Assistance includes:
    •  Medical services provider referral
     Arrangement of Hospital admissions
     Monitoring of Medical Condition during Hospitalization
     Medical Assistance
     Medical Evacuation


Need guidance on your cash flow position?
Request your complimentary first appointment.

 Client Login



For Any Problem Please Contact Below.
 +91 79 27410442

×

 Advisors Login


×

 Employee Login


×