General Insurance

You will not find a successful business that doesn't carry business insurance. In today's society, it is absolutely mandatory to carry some form of it, regardless of size or location. It doesn't matter if you're performing out of your basement, or if you're a large corporation in a high-rise building. The range ofbusiness insurance coverage is huge, with issues from lawsuits to disgruntled employees. Everyday practices can backfire with enough force to cause a disabling blow to the company.

Case in point:

You send an employee, in his or her own vehicle, to make some deliveries at a post office down the street. In route, they are involved in an accident. Guess where the finger may and often times points? If an incident occurs and they are covered by auto insurance, the best coverage you get is equivalent to their range of coverage. If they do not carry any auto insurance, then it can be a world of hurt for the employer.

Following are the General Insurance products available:

• Overseas Mediclaim

• Overseas Student Travel Insurance

• Group Mediclaim Insurance

• Group Health Insurance

• Group Personal Accident Insurance

• Fire and Special Perils Insurance

• Consequential Loss(Fire) Insurance

• Machinery Breakdown Insurance

• Boiler & Pressure Plant Insurance

• Electronic Equipment Insurance

• Industrial All Risks Insurance

• Comprehensive Motor Insurance(Private Cars)

• Erection All Risks Insurance

• Contractor's Plant and Machinery Insurance

• All Risks Insurance

• Burglary Insurance

• Fidelity Guarantee Insurance

• Inland Transit Insurance

• Money Insurance

• Liability Insurance(Under Public Liability Act-1991)

• Public Liability Insurance(Industrial Risks)

• Public Liability Insurance(Non-Industrial Risks)

• Business Choice Package

• Marine Cargo Insurance(Import-Export)

• Workmen's Compensation Insurance

• Tea Crop Insurance

Health Insurance

Health insurance is the insurance which protects from any health emergencies & incurred hospitalization expenses. In this busy and hectic life everybody should have a health insurance policy which can be very useful in emergencies. Health insurance also known as mediclaim policy means medical policy which have the same meaning. Why Mediclaim policy needed?

Every human suffers from some illness or injury in lifetime.

Emergencies or illness can come anytime without giving any warning.

There are no good facilities in government hospitals whereas private hospitals are too expensive.

Doctor's fees, diagnostic charges as well as the medicines value are too expensive. Health is wealth.

When should the Mediclaim policy take?

Young age, yes this is the right reply for this question because the premium tends to increases with the age and insurance companies gives "no claim bonus" for every year in which no claim is taken against insurance policy. Also this policy also comes with tax benefit of 80D of income tax.

Vehicle Insurance

Car Insurance

Motor Insurance or vehicle Insurance is all about protecting against financial losses arising out of vehicle usage. With the multifold rise in usage of four wheelers, motor Insurance is also termed as Car Insurance or Auto Insurance. Auto Insurance is one of the most common types of general insurance products.

Car Insurance is mandatory by law and protects you and the people riding in your car from any legal claim or penalty made by a third party. Family members who may drive you car can also be covered through auto insurance. Your car insurance policy is the most important document in your vehicle. Along with comprehensive coverage against physical damage, bodily injury and cover againts third-party liability, your motor insurance brings to you confidence and peace of mind. All this is backed by our superior claims servicing capability and fast settlement record for vehicles insured by us.

Critical Insurance A health insurance plan that covers critical illness means you can insure yourself against the risk of serious illness in much the same way as you insure your car and your house. It will give you the same security of knowing that a guaranteed cash amount will be paid if the unexpected happens and you are diagnosed with a critical illness.

Personal Accident

Personal Accident Insurance Policy gives complete financial protection against all accidental occurrences that might lead to death or bodily injury of the insured person. If the accident leads to the untimely death of the Insured, this Policy will provide complete financial security to the Insured's family members.

A Personal Accident Insurance policy covers you against death, permanent disability, permanent partial disability, and temporary total disability. For death and permanent disability - its pays you the total sum insured and for temporary disability it pays you a weekly compensation of around 1% of Sum Insured per week, for 52 weeks.

Standard Fire and Special Perils Policy

This is a package insurance which covers the following set of perils:

Perils Covered:

Fire

Lightning

Explosion / Implosion

Aircraft damage

Riot, Strike, Malicious damage (RSMD Perils)

Storm, Tempest, Flood, Inundation, Hurricane,Cyclone, Typhoon and Tornado. (STFI)

Impact by any Rail/ Road vehicle or animal belonging to third parties

Subsidence / Landslide including rockslide.

Bursting and / or overflowing of water tanks, apparatus.

Leakage form Automatic Sprinkler Installation. Missile Testing Operation.

Pollution or contamination resulting from any of the above perils

Any insured peril resulting from pollution and contamination.

Bush Fire

Travel Insurance

Now you can travel overseas with your loved ones and without worries. Things may go wrong during your trip even after assiduous planning, for certain reasons that are beyond our reach. Let travel insurance from General insurance accompany the worries so that you can concentrate on rejuvenate. Catering to people from all walks of life.

Burglary Insurance

NBurglary Insurance policy covers property contained in business premises, stocks owned, or for which insured is responsible or held in trust and/or commission. It also covers cash, valuables, securities kept in a locked safe or cash box in locked steel cupboard on specific request.

What does this Policy cover?

This Burglary Insurance covers loss or damage caused by:-

Burglary and Theft (i.e. theft following upon an actual forcible and violent entry of and / or exit from the premises)

Robbery

In respect of contents of offices, warehouses, shops, etc. and cash in safe or strong room and also damage caused to the premises

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