commercial-insurance

Commercial Insurance

COMMERCIAL INSURANCE

Commercial insurance is a type of general insurance that is usually offered to entities which are commercial like industries, businessmen, etc. It offers insurance cover to different business related requirements.

Commercial insurance provides insurance cover to industries like:

  • Aviation
  • Foods and beverages
  • Oil and gas
  • Textiles
  • Telecom
  • Construction
  • Logistics sectors
  • Pharmaceuticals
  • Automotive, etc.

The various types of commercial insurance include:

  • Marine insurance
  • Liability insurance
  • Energy insurance
  • Employee benefits insurance
  • Financial lines insurance
  • Engineering insurance
  • Property insurance
  • International insurance solutions.

There is a list of various other types of general insurance products. They are crop insurance, corporate insurance, fire insurance, householder, shopkeeper, personal accident, property insurance, etc.

home-insurance

Home Insurance

HOME INSURANCE

A home offers the peace, serenity and warmth that you may be looking for after a tiring day at work. Therefore, buying a home insurance is utmost important. It offers protection to the entire structure of your house and ensures utmost security for all the belongings that you may collected over the years. There are certain home insurance policies that offer coverage till 5 years. You would have to pay a premium based on the value of the belongings in your home.

Home Insurance Covers the Structure and Content of your home from below

Fire and Peril Cover:

  • Due to Fire, Explosion
  • Aircraft Damage
  • Lightning
  • Earthquake
  • Missile Testing Operations

Natural Calamities

  • Flood
  • Hurricane
  • Storm
  • Landslide and Rockslide
  • Cyclone, etc.

Man Made Calamities

  • Riot
  • Strike
  • Theft or Burglary

Home insurance, however, doesn’t include loss or damage due to nuclear perils, any consequential loss, damage due to war, damage or any loss due to pollution, contamination, etc. Also, valuables like bullion, gold and silver are not covered, however, if you wish to, then you can certainly opt for a special cover.

travel-insurance

Travel Insurance

TRAVEL INSURANCE

Travel insurance would help you tackle all the travel and medical contingencies while you travel abroad. It is utmost important to add travel insurance to your checklist while you plan your vacation, be it for leisure or business. Travel insurance is gaining back all its lost significance.

The main reasons to buy a Travel Insurance is to avoid unforeseen conditions like

  • Flight delay
  • Loss of baggage
  • Loss of passport
  • Medical emergencies
  • Emergency dental expenses
  • Hospital cash allowance
  • Accidental death
  • Hijack distress allowance
  • Financial emergency assistance, etc.

Other than the benefits listed above, it also offers coverage for expenses to take the insured’s mortals back to the home country and many more.

Travel Insurance Category includes:

  • International Travel Insurance
  • Student Travel Insurance
  • Group Travel Insurance
  • Senior Citizen Travel Insurance
  • Domestic Travel Insurance
  • Schengen Travel Insurance
  • Asia Travel Insurance
  • Corporate Travel Insurance
motor-insurance

Motor Insurance

MOTOR INSURANCE

As per the Motor Vehicles Act, 1988, all vehicles running on the Indian roads is mandatory to be insured. Motor insurance companies allow you to choose the type of coverage you want to opt for. There are two types of motor insurance – Third Party Liability Cover and Comprehensive Motor Insurance Policy.

Motor Insurance category includes

  • The smartest thing to secure your motor financially is by buying a motor insurance policy. This would save your finances if your car meets with an accident, or falls prey to any natural disaster like floods, earthquake, theft, etc. There are 2 types of motor insurance policy:
    1. Third Party Liability Motor Insurance is nothing but the coverage guaranteed to the third party only i.e. Damage to another person’s vehicle or property, bodily injuries and permanent disability during an accident by your vehicle. It is a mandatory over as per the law. We wouldn’t recommend you to buy this basic third-party insurance if you really love your vehicle from the bottom your heart. This type of coverage is best for people who think motor insurance is mandatory and buy this type just for the heck of it.
    2. Comprehensive Motor Insurance is an optional coverage and thus is not mandatory. This type of motor insurance provides coverage for third-party and also for your vehicle. It is best for those who want to cover the losses due to the accidents and also to recover losses due to theft and natural disasters, and not for those who take car insurance merely as a mandatory clause.
health-insurance

Health Insurance

HEALTH INSURANCE

Health Insurance industry in India is seeing a ground breaking change due to private insurance providers offering customized plans to the consumers. These plans are tailor-made considering the varied requirement of customers. For example, there are plans customized only for diabetic patients, cancer patients, etc.

Health Insurance is a type of insurance that covers the insured’s medical and surgical expenses. Depending on the policy terms and conditions, the insurer either pays the insured in the form of reimbursement or offers a cashless facility at the listed network hospital of the Insurance Company.

Certain benefits offered under Health Insurance Plans are:

  • Pre & Post Hospitalization Benefit
  • Cashless Treatment
  • Day Care Treatment, etc.

You can also opt for additional Riders along with a Comprehensive Health Insurance Policy to enhance your health insurance plan even better. This may include,

  • Room Rent Waiver
  • Maternity Cover
  • Critical Illness cover
  • Hospital Cash
  • Personal Accident Rider, etc.

Health Insurance is divided into 4 categories which includes comprehensive health insurance, family floater cover, surgery cover and individual cover.

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