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Professional Indemnity

Professional indemnity insurance is an important type of business insurance, especially for businesses that give advice or provide a professional service to clients. Professionals like Doctors / Chartered Accountants / Architects / Lawyers can get cover for compensation claims, if sued by a client for negligence / making a mistake that leads to financial loss.

Office Protection

Office Protection is a comprehensive package of different insurance policies that provide flexibility and cover for various contingencies. A package policy like this avoids you arranging different policies for fire, burglary, machinery breakdown etc. It provides you complete control of managing all your risks in office under one policy. It provide coverage against Fire and special perils, Mechanical and electrical appliances, Electronic Appliances, Burglary, Money insurance, Infidelity/dishonesty of employees, Fixed glass and sanitary fittings.

Contractors All Risk

Contractors All Risk (CAR) policy is a comprehensive insurance solution designed to cover a broad spectrum of risks to which a civil construction project is exposed to from arrival of construction material at site till the completion of project. This policy is especially designed keeping in mind contractors, consulting engineers, architects and financiers and insurers against unforeseen accidents. Owners’ Surrounding Property, Removal of Debris, Earthquake, Escalation, Design Defect Cover, Contractors’ Plant & Machinery, Third Party Liability, Construction equipment like scaffolding, shuttering materials, Maintenance Visit or Extended Maintenance, Cover for insured contract works taken over or put into service.

Term Insurance

What is a term insurance plan?

Term insurance plan is a form of life cover, it provides coverage for defined period of time, and if the insured expires during the term of the policy then death benefit is payable to nominee. Term plans are specifically designed to secure your family needs in case of death or uncertainty. It provides specific amount of coverage for specific period of time.

Are there any eligibility criteria for term insurance plan?

The eligibility criterion for term insurance plan varies according to the insurers, the minimum age of entry is 18 years and the maximum age limit is 65 years.

Will I get a tax benefit on the insurance premium?

Premiums paid for all life insurance policies are exempted from tax up to a maximum of Rs 1 lakh under Section 80C of the Income Tax Act, 1961. The claim amount received by the beneficiaries or bonus in the hands of the policyholder is tax free under Section 10 (10D) of the Income Tax Act.

Whole Life Plan

What are whole life plan?

As the name suggests, these life insurance policies do not have specific maturity period. These life insurance contracts guaranteed to remain in force for entire lifetime of the policy holder provided all premiums are paid. Hence to provide risk coverage during entire life of the insured. These plans also provide regular or onetime payment post completion of premium payment to the surviving insured and financial security to nominee.

ELIGIBILITY 90 days to 55 yrs of age at entry 18 yrs to 50 yrs of age at entry
MINIMUM SUM ASSURED Rs.200,000/- Rs.100,000/-
PREMIUM PAYING TERM 15,20,25 & 30 yrs 15 to 35 yrs
BENEFITS On completion of premium paying term 8% of sum assured will be paid to insured every year and on death the nominee will get basic sum assured plus accrued bonus On completion of premium paying term sum assured & accrued bonus paid to insured and on death thereafter nominee gets basic sum assured
TAX BENEFITS Tax benefit on premium payment under Sec 80C & Tax free survival benefit Tax benefit on premium payment under Sec 80C & Tax free maturity
RIDERS AD & D, Critical Illness, Term AD & D, Critical Illness, Term

Money Back Plan

What are Money Back Plans?

These are the plans which offer an attractive combination of protection against death throughout the term of the plan along with the periodic payment on survival at specified durations during the term. This unique combination provides financial support for the family of the deceased policyholder any time before maturity and lump sum amount at the time of maturity for the surviving policyholders. This plan also takes care of liquidity needs through its loan facility.

ELIGIBILITY 13 yrs to 50 yrs of age at entry 90 days to 12 yrs of age at entry
MINIMUM SUM ASSURED Rs.100,000/- Rs.100,000/-
PREMIUM PAYING TERM 20 & 25 yrs 25 yrs of child’s age
BENEFITS 20% of the Basic Sum Assured at the end of each of 5th, 10th, 15th policy year and maturity on 20th year. 15% of the Basic Sum Assured at the end of each of 5th, 10th, 15th, 20th policy year and maturity on 25th year 20% of the Basic Sum Assured at the end of each of 18th, 20th & 22nd years of child’s age and 40% plus bonus at maturity on 25th year of child’s age.
TAX BENEFITS Tax benefit on premium payment under Sec 80C & Tax free survival benefit & maturity Tax benefit on premium payment under Sec 80C & Tax free maturity
RIDERS Accidental Death & Disability Premium Waiver Benefit

Annuity Plan

An annuity is a long term investment that is issued by an insurance company designed to help protect you from the risk of outliving your income. Through annuitization, your purchase payments (what you contribute) are converted into periodic payments that can last for life. These plans provide immediate or differed lifetime pension payment for single or joint life at fixed rates.

Health Insurance

Medical expenses are sky high these days, but was never cheap ever. Even a small treatment or an appointment with a doctor might consume a lot of money. Health insurance is a must, it saves money and covers unexpected calamities. Health insurance comes in handy to meet emergencies of severe ailment or accident. Sometimes it is associated with covering disability and custodial needs. Life is unpredictable, insurance can make it safe and secure from bearing huge loss. Health insurance is affordable and carries the assurance and freedom from insecurities that threaten life now and then.

We liaise with the leading health insurance providers in India and buying through us enables analyzing costs and benefits from the pool of policies matching your requirements and of course not to forget the quality service offered by us.

Critical Illness Cover

Critical Illness Insurance Plans provides coverage against specific life threatening diseases. Treating such critical illnesses may require multiple visits to the hospital over a long period of time. What this means is that in addition to the hospitalisation cost, there will be other costs like doctor visits, medical expenses, loss of pay due to inability to perform routine work etc. A Critical Illness plan pays a lump sum amount that can be used to cover these high expenses. The good thing is that this lump sum payout is in addition to any Mediclaim or health insurance policy that you may already have. Acquiring critical illness such as cancer, stroke, kidney failure or lung disease is a life changing event which can disrupt dreams and goals for family and wipe out savings. Prepare for any critical illnesses with this cover, and get the help you need to get back on your feet when your body lets you down.

Cover for Diabetes

Unlike other health insurance / hospitalization / Mediclaim plans where DM is covered after a waiting period of 48 months, diabetes plans covers hospitalization expenses for complications of Diabetes, both type 1 and type 2 and other than complications of diabetes from day 1 of insurance policy. It covers Out Patient expenses – for Medical consultations, Diagnostic tests, medicine and drugs; Donor expenses for kidney transplant surgery; All day care procedures covered; Covers Hospitalization expenses due to complications of diabetes. Room, Nursing and Boarding Charges, Surgeons fees, Anaesthetist, Drugs and medicines.

Cover for Cardiac Care

This policy is for persons who have undergone for the first time the named surgery / intervention / correction for the existing Cardiac diseases. After a waiting period of 90 days, this policy covers treatments relating to Cardiac diseases. This waiting period will not apply for renewals. It covers both medical management and surgical/interventional management for cardiac related diseases. Protects the insured for in patient hospitalisation expenses for a minimum of 24 hrs. These expenses include room, nursing and boarding charges, Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialist Fees, Oxygen, Blood, Operation Theatre, Diagnostics, imaging modalities , Cost of Medicines and Drugs.

Accident Cover

Accident insurance is a form of coverage that protects you financially in the event of an injury sustained from visible external accident. It predominantly covers death due to accident, permanent disability & partial disability. In case of partial disability fixed amount is paid by the insurance company to the insured on weekly basis for maximum 100 weeks.

Travel Insurance

Be it business or pleasure travel, having a trouble free trip is what everyone looks forward to. Illness is uncertain, it can spoil the planned trip. But with insurance in hand, medical bills are taken care of. Other difficult situations like loss of passport or baggage while traveling can also add on financial difficulties. These are all covered by travel insurance. Travel insurance usually covers medical expenses, financial or any other looses incurred while traveling. Travel insurance is arranged at the booking of a trip to cover exactly the duration of that trip. Travel insurance offers coverage for Student travel, business travel, leisure travel, adventure travel, cruise travel, and international travel. Irrespective of the nature of uncertainties, a suitable travel insurance fulfilling the requirements can offer the coverage needed while away from home.

It may save spending a fortune in any tragic unforeseen incident. But the challenge is to find the right policy that fits the budget at a short notice. Here the expertise of We can assist you. We offer a great search system which assist you buy best insurance for travel in just a few steps. Our reliable, innovative and advanced search system enables comparison of policies with prices and beneficiaries in just a few clicks. Choosing a suitable travel insurance best fitting the budget and requirement just got easier with us!.

Property Insurance

Home insurance, also commonly called hazard insurance or homeowner’s insurance (often abbreviated in the real estate industry as HOI), is the type of property insurance that covers private homes. It is an insurance policy that combines various personal insurance protections, which can include losses occurring to one’s home, its contents, loss of its use (additional living expenses), or loss of other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home or at the hands of the homeowner within the policy territory. It requires that at least one of the named insureds occupies the home. The dwelling policy (DP) is similar, but used for residences which don’t qualify for various reasons, such as vacancy/non-occupancy, seasonal/secondary residence, or age.

The home insurance policy is usually a term contract-a contract that is in effect for a fixed period of time. The payment the insured makes to the insurer is called the premium. The insured must pay the insurer the premium each term. Most insurers charge a lower premium if it appears less likely the home will be damaged or destroyed: for example, if the house is situated next to a fire station; if the house is equipped with fire sprinklers and fire alarms; or if the house exhibits wind mitigation measures, such as hurricane shutters. Perpetual insurance, which is a type of home insurance without a fixed term, can also be obtained in certain areas.

Vehicle Insurance

Vehicle insurance technically provides protection against the losses incurred as a result of unavoidable instances. It helps cover against theft, financial loss caused by accidents and any subsequent liabilities. The cover level of Vehicle insurance can be the insured party, the insured vehicle, third parties (car and people). The premium of the insurance is dependent on certain parameters like gender, age, vehicle classification, etc. Vehicle insurance gives confidence to drive fearlessly but at the same time should follow the traffic rules. In emergencies it acts like a boon to the insurer.

With so many Vehicle insurance companies vying for customer base in the market, it is quite difficult to make a decision like choosing the right policy covering the requirement, right insurer, etc. Figuring out the right insurance policy fulfilling the requirement and being cost effective can be time consuming. We assists in this endeavor of finding the right car insurance for the users. Fill in an online form, and mention the details, specific requirements and our experts will take it forward. We bring the most competitive cost quote and benefits of all insurance companies under one roof helping decision making.