General Insurance or Non-life Insurance policies is a practical option for every person who would like to live a risk-free life. Risk is associated with everything and so, it is important to secure all the things that we own and that security is provided by insurance. General insurance covers insurance policies fire, marine, motor, accident and other miscellaneous non-life insurance.
The tangible assets are susceptible to damages and a need to protect the economic value of the assets is needed. For this purpose, general insurance products are bought as they provide protection against unforeseeable contingencies like damage and loss of the asset. Like life insurance, general insurance products come at a price in the form of premium.
Types of General Insurance - Individuals:
Protect your greatest asset good health.
» Individual and Group- Ordinary and Floater health Insurance Policy.
» Cash free hospitalization in more than 1400 hospitals across India.
» Reimbursement of expenses during Pre- Hospitalisation and Post- Hospitalisation stages of treatment.
» 130 minor surgeries that require less than 24 hours hospitalization covered under the UNIQUE day care procedure.
» Reimbursement of expenses incurred on ambulance services to the nearest hospital where Emergency Health facilities are available.
Motor Insurance: » Protection from a financial loss arising out of loss or damage to your vehicle.
» Protection from liability towards third parties for personal injury.
» Protection death and property damage on account of any accident involving your vehicle.
» Cash Less and Hassle free Claim procedure.
Travel Health Insurance: There's a lot you're exposed to while traveling abroad. And even though you've planned everything down to the smallest detail, there's no telling when a calamity might strike. A sudden illness, loss of baggage, a financial emergency.... with Travel Health Insurance from you can be sure you're covered for a whole host of calamities that may occur while traveling abroad.
Personal Accident: An accident can happen at any time. And it could leave you with permanent harm or temporary disability, both of which could affect your life and your family.
Home Insurance: Home insurance policy is designed to cover various risks and contingencies faced by home ownersand Safeguard the structure and contents of your home against natural calamities and human misintents. Get a comprehensive coverage for the lowest premium rate.
Types of General Insurance – Commercial/ Corporate:
Marine Insurance: Marine Cargo Insurance provides coverage for loss of or damage to goods in transit by any mode like rail, road, sea, air, post, courier etc., either inland purchases/sales or global imports/exports. Marine insurance cover can be provided for export and import shipments.
Corporate Employee benefit Insurance: Group Mediclaim Policy is the perfect health protection for the employees and their family. It takes care of the expensive medical treatment incurred during hospitalization resulting from an accident or illness. It take care of preexisting diseases and also few critical illness.
Scope of Cover:
The Insurer shall pay to the Insured Person:
» The amount of expenses which are reasonably and necessarily incurred towards Hospitalization.
» Upon the advice of a Medical Practitioner.
» Due to contracting of any disease or suffering from any one Illness or sustaining of any bodily injury through accident, during the policy period.
» Amount paid will not exceed the Sum Insured.
Commercial property Insurance:
This offer tailor made property damage and business interruption insurance catering to the needs of all organizations from Small & Medium commercial enterprises to Large corporations and Mega Risks. We address following kind of risk.
» Standard Fire & Special Perils Insurance.
» Industrial All Risks Insurance.
» Mega Risk Insurance.
» Business Interruption Insurance.
» Burglary Insurance.
» Package Policies.
» Risk Management Services.