General Insurance

A General insurance policy is a non-life insurance product that includes a range of policies like automobiles, mediclaim, homeowner’s insurance, marine, travel, and others. The policy offers payment to the policyholder based on the loss incurred from a specific financial event. General insurance is insurance that is not categorized under life insurance.
Unlike life insurance policies, the tenure of general insurance policies is normally not that of a lifetime. The standard term goes on for the span of a specific monetary movement or a given period. Most general insurance products are yearly agreements. There are, notwithstanding, a couple of items, which have a long haul.
Policy Cover:
  1. Motor Insurance
  2. Health Insurance

Health Insurance

Health Insurance offers coverage to the policyholder for medical expenses in case of any health emergency. A health insurance plan chosen by the insured gives inclusion to various costs including surgical expenses, day-care expenses, and critical illness.
A health insurance policy is a contract between the insurer and policyholder wherein the insurance company provides financial coverage for medical expenses acquired by the insured. A health policy provides the benefit of reimbursement of medical expenses or cashless treatment mentioned in the health policy.
Policy Cover:
  1. In-patient Hospitalization
  2. Organ Donor Benefit- When Insured Person is the Donor
  3. Day care Treatment
  4. Road Ambulance Cover
  5. Pre and post-hospitalization expenses
  6. Cost of Health Check-up
  7. Ayurvedic/Homeopathic/Unani treatment
  8. Modern Treatment Methods & Advancement in Technologies
  9. Organ Donor’s expenses cover

Life Insurance

A life insurance policy is an understanding between an insurance agency and a policyholder that offers monetary inclusion under which the insurance agency guarantees to pay a specific add up to the assigned recipient in the unfortunate event of the insured person’s demise during the term of life insurance plans.
In return, the policyholder consents to pay a predefined amount of money as a premium either on a regular basis or as a single premium life insurance. If covered by the policy, coverage will be provided for critical illness as well.
Policy Cover
  1. Term Plans
  2. ULIPs
  3. Endowment Plans
  4. Money Back Plans
  5. Whole Life Insurance Plans
  6. Child Plans
  7. Retirement Plans
  1. Modern Treatment Methods & Advancement in Technologies
  2. Organ Donor’s expenses cover

Motor Insurance

Motor insurance is mandatory for all two-wheeler and four-wheeler vehicles such as cars, bikes, trucks, scooters that are operating on the Indian roads. Vehicle owners can avail motor insurance even for commercial vehicles. One of the most important documents for all vehicle owners/drivers, a Motor Vehicle Insurance’s main objective is to give complete protection against physical damage sustained by the insured vehicle from natural and man-made calamities. It also provides coverage for third-party liabilities, arising out of any accidental damage, injury, or death of a third party.
Policy Cover:
A motor vehicle which includes private cars, Motorised Two-wheelers, and Commercial vehicles excluding vehicles running on rails.
Who can Insure?
Owners of the vehicle Financiers or Lessee who have an insurable interest in a motor vehicle.
Insured’s Declared Value (IDV)

(a) In case of a vehicle not exceeding 5 years of age the IDV has to be arrived at by applying the percentage of depreciation specified in the tariff on the showroom price of the particular make and model of the vehicle.

(b) In case of vehicles exceeding 5 years of age and Obsolete models (manufacture of those vehicles which have been stopped by the manufacturers) they have to be insured for the prevailing market value of the same as agreed to between the insurer and the insured.

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