Having car insurance is essential because it covers your expenses in the event of vehicle damage or injuries to other drivers, passengers or pedestrians. All motorists must be insured against their liability to other people, as stipulated in the Road Traffic Act 1988.
Private Car / 2 Wheelers :
A policy purchased by vehicle owners to mitigate costs associated with getting into an auto accident. Instead of paying out of pocket for auto accidents, people pay annual premiums to an auto insurance company; the company then pays all or most of the costs associated with an auto accident or other vehicle damage.
Helicopters
Private goods Carrier
In a world where age is just a number and fitness is synonymous with health, getting health insurance has become important. You may postpone buying a policy but there are implications of avoiding it all together.
A visit to the hospital can cost a lot. You don’t want to be caught off guard in a situation where you need emergency medical help. Medical insurance allows you to deal with such a situation without a worry about the costs.
You might often think of making investments but postpone it each time. Buying a health insurance could equate to an investment venture. Perhaps even help you save for that dream car you always wanted. You might have to shell out a huge amount when a dear one needs hospitalization. A health insurance policy ensures you pay less and don’t eat into your savings.
Your health insurance policy also helps you save tax. You are covered against health issues and enjoys tax benefits on the policy. Besides, premium paid for your parents' health insurance also entitles you for tax deduction under section 80D.
You might be unsure of how a health insurance would cover the health needs of each family member. A variety of categories are available under health insurance to suit your need. For example, you could choose between a family floater and an individual plan depending on your personal needs.
Your health insurance can cover more than you think. When you buy health insurance you have the freedom of choosing from a vast range of available network hospitals. Some policies offer features like free health check-ups, ambulance service and medical equipment.
Daily life chores could be weighing you down. The ever increasing costs add to life’s struggles. A health plan ensures peace of mind. You might want to spend your time and money doing other things rather figuring out means to pay for health expenses. By choosing to buy health insurance you might be taking a decision that gives you mental peace too.
The timing of your choosing to get a policy is your choice. The fact that nobody is getting any younger should help you get one soon. The benefits vary depending on your choice of policy and premium. But the benefits of having a health insurance policy far outweigh not having one at all.
Keep in mind that critical illness plans don’t cover pre-existing ailments.
Group Personal Accident Insurance plan provides companies with comprehensive personal accident insurance coverage and liability insurance protection against accidental death or injury.
Death: Bodily Injury, which within 12 calendar months from the occurence thereof shall solely and directly cause the death of the insured person.
Permanent Total Disablement: The loss of a function of the body whereby total restoration is not possible. Example; paralysis, loss of vision, hearing or speech.
Permanent Partial Disablement: This is a disablement which is not so severe such as loss of a finger or toe and the compensation will be based on a percentage of the sum insured.
Temporary Total Disablement and Temporary Partial Disablement: The amount payable is based on weekly compensations.
Temporary Total Disablement: The insured is incapable to fully attend to his work and its compensated based on the number of weeks of his disability.
Temporary Partial Disablement: Insured is incapable to attend a specific area of his normal duties and compensation will be based on the period of partial disability.
Medical Expenses: Pays for medical expenses incurred following an accident.
Key benefits of our group health insurance policy
A fire can devastate a business. Flames, smoke and water used to extinguish the fire can severely damage buildings and their contents. If the business has no fire insurance, it may lack the funds to rebuild or repair the damaged property. The company may be forced to cease operations. Thus, fire insurance can be essential for the survival of a business. These policies cover damage caused by fire and many other perils and AOG. (act of GOD)
Travel Insurance is an indispensable companion if you are travelling overseas. Medical expenses abroad can burn a hole in not just your travel budget but it can put you in a long term financial debt. Insurance coverage insure you for Medical expenses, Dental expenses, Loss of passport, Loss of checked baggage, Medical evacuation, Compassionate visit, Accidental death or disability, Trip cancellation, Trip curtailment, Personal theft, etc during your journey outside India.
Marine Cargo Insurance covers transits by Water, Air, Road or Rail, Registered Post Parcel, Courier or a combination of two or more of these.
How Marine Cargo Insurance helps?
Cargo can be damaged on exposure to a wide variety of risks, including an accident of the vehicle carrying the cargo, damage due to jolts, jerks etc. Decide whether you want to take a Basic Cover or a wider cover.
Inland
Overseas Marine