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Health insurance, an indemnity product, covers hospitalization expenses for disease treatment or surgery, with premiums deductible under section 80D of the IT Act. Disclosure of pre-existing conditions like Hypertension, Diabetes, is necessary. Coverages include cashless hospitalization, Air Ambulance, Global cover, Modern Treatment, etc.
In case of death of the insured, one time lump-sum payment is made to the nominee. Term policy is aimed to provide financial support to the family members of the deceased person. Contribution made as premium is eligible under 80C of IT Act. Claim transferred to nominee shall be tax-free.
In case of any of the listed critical illness is diagnosed to the insured beneficial amount shall be paid. Premium paid shall be allowed as deduction u/s 80D of IT Act.
Personal Accident is a benefit product. It covers accidental death, disability, hospitalization and provides for bed rest compensation in case of an accident. Insured is covered 24x7, worldwide.
Medical or accidental emergencies are covered under this policy while travelling outside India. It covers loss of baggage, flight delay compensation, passport lost etc.
Fire Insurance protects the insured from the perils of fire, natural calamity viz. storm, floods,
earthquake etc. Fire Insurance can be given to factories, shops, offices, showroom, residential
buildings etc.
Marine Insurance covers the goods in transits within India and outside India. Risk of
loss of goods by rain, riots, theft, non delivery are covered under this insurance.
Workmen Compensation Policy covers the staff/employees accidental death, disability,
hospitalization and bed rest expenses. During the course of employment and working hours
this policy covers the employees.
SME Insurance protect the staff/employees from any health related issues. It is group health
policy for the employees and their dependant family members.
Motor Insurance covers the accidental, theft and third party losses against the motor vehicle
(personal and commercial). Wide variety of add on covers like Zero Dep. (Nil Dep.), Engine Protect,
key protect, driver cover etc.
Cyber Insurance covers the protection against cyber attacks on data, system and technical know how.
Looking at the new age risk exposure this insurance is in great demand.
Professional Indemnity protects the negligence caused during professionals while providing their
services. It is generally opted by doctors, lawyers and consultants.
Product Liability insurance covers the risk and losses arising from the products sell to the end users.
These insurance are availed by the exporters of goods. It covers the litigation cost to the client
and the one time settlement amount to the end user who has filed for the compensation.