Every insurance plan, with an advisor to help you choose
47 kinds of cover across seven categories. Each has its own page explaining what it covers, who needs it and how claims work.
Motor insurance
6 plansMain planCar insuranceEvery car on a public road needs at least third-party cover; a comprehensive policy also protects your own…Main planTwo-wheeler insuranceThird-party cover is compulsory for every bike and scooter.Main planCommercial vehicle insuranceGoods carriers, tankers, buses and pick-ups face higher risk on the road.Taxi & cab insuranceTaxis and app-based cabs are commercial vehicles and need a policy written for passenger-carrying use.Tractor insuranceTractors are insured as miscellaneous vehicles.Electric vehicle insuranceElectric cars and scooters are insured like other vehicles, but the battery and motor are the most expensive…
Health insurance
7 plansMain planFamily floater health insuranceA family floater shares one sum insured across you, your spouse and your children for a single premium.Main planIndividual health insuranceAn individual policy gives one person their own sum insured, which no one else can use up.Main planSenior citizen health insurancePlans for people aged 60 and above cover the higher medical costs of later life.Critical illness insuranceA critical illness policy pays a fixed lump sum when you are diagnosed with a listed illness such as cancer,…Super top-up health insuranceA super top-up adds large extra cover at a low premium.Personal accident insuranceA personal accident policy pays a fixed amount for accidental death or disability, and on many plans a weekly…Hospital daily cashHospital daily cash pays a fixed amount for each day in hospital, whatever the bill.
Life insurance
7 plansMain planTerm life insuranceTerm insurance pays a large sum to your family if you die during the policy term.Term insurance with return of premiumA return-of-premium term plan gives the same life cover as a regular term plan, and pays back the premiums…Guaranteed income plansThese life insurance savings plans pay a guaranteed income or lump sum at set times, with life cover…ULIPsA ULIP invests part of your premium in funds of your choice and uses part for life cover.Child education plansA child plan builds money for your child’s education.Retirement & pension plansPension plans build a retirement fund during your working years and convert it into a regular income — an…Whole life insuranceWhole life insurance covers you for most of your life, usually up to age 99 or 100, so a payout to your…
Travel insurance
5 plansMain planInternational travel insuranceMedical treatment abroad can cost many times more than in India.Main planStudent travel insuranceStudent plans cover long stays abroad for study.Senior citizen travel insuranceOlder travellers need higher medical cover abroad.Main planSchengen travel insuranceSchengen visa rules require travel medical insurance of at least €30,000, valid in all Schengen countries for…Annual multi-trip travel insuranceIf you travel abroad several times a year, one annual policy covers every trip up to a set length, so you do…
Home & property insurance
6 plansHome insuranceHome insurance protects your house and what is inside it against fire, natural calamities and burglary.Shop insuranceA shopkeeper’s policy covers your stock, fittings and cash in one package, so a fire or break-in does not…Office package insuranceAn office package combines several covers — fire, burglary, electronic equipment and liability — in one…Fire insuranceA fire policy covers buildings, plant, machinery and stock against fire and allied perils such as lightning,…Burglary insuranceBurglary insurance pays for goods stolen after forcible entry and for damage caused during the break-in..Jewellery & valuables insuranceAll-risk cover protects jewellery and valuables against loss, theft and accidental damage — at home and while…
Business insurance
14 plansGroup health insuranceA group health policy covers your employees, and often their families, under one company policy.Group term life insuranceGroup term life pays a sum to an employee’s family if they die while employed.Workmen’s compensation insuranceEmployers are legally liable to compensate workers injured or killed at work under the Employee’s…Marine cargo insuranceMarine cargo insurance covers goods in transit by road, rail, sea or air — within India or for import and…Contractor’s all risk insuranceA CAR policy protects a construction project — the works, materials on site and third-party liability — from…Machinery breakdown insuranceThis policy pays to repair or replace plant and machinery after sudden, unforeseen breakdown — something a…Public liability insuranceIf a visitor is injured or their property damaged at your premises, you may be held liable.Product liability insuranceIf a product you make or sell causes injury or damage, you can be sued.Professional indemnity insuranceProfessionals can be sued for mistakes or negligence in their advice or service.Directors & officers insuranceDirectors and senior managers can be held personally liable for decisions they make.Cyber insuranceCyber insurance covers the cost of data breaches, ransomware attacks and online fraud — including…Fidelity guarantee insuranceFidelity guarantee insurance pays for money or goods lost through fraud, embezzlement or dishonesty by your…Trade credit insuranceIf you sell on credit, a buyer’s insolvency or long default can hurt your cash flow.Money insuranceMoney insurance covers cash while it is carried between your premises and the bank, and cash kept in your…
Rural & speciality insurance
2 plansNot sure which cover you need? Ask a consultant.
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