General Insurance Plan

General insurance, also known as non-life insurance, offers protection against financial losses and liabilities arising from events other than death. Unlike life insurance, which provides coverage for the policyholder's life, general insurance policies provide coverage for assets, properties, health, travel, and liabilities. Here are some common types of general insurance plans:

Our General Insurance Services:

Here are some common types of general insurance plans:

1. Health Insurance:

• Provides coverage for medical expenses incurred due to illness, accidents, or hospitalization.

Family Floater Health Insurance-

A family floater health insurance covers all the family members you have enrolled in the plan. You

basically pay for a single health plan and get medical coverage for all family members under one plan.

This means the sum insured on the plan gets shared by the members whenever a medical emergency

arises.

What is covered?

Hospitalization:

Medical expenses incurred during hospitalization for more than 24 hours, including room charges,

doctor/surgeon’s fee, medicine bills, etc.

Pre and post hospitalization

Medical expenses incurred 60 days prior and 180 days post (provided we have accepted the in-patient

claim).

Day care treatments:

The expenses for advanced, technological medical surgeries and procedures requiring less than 24

hours of hospitalization (including dialysis, radiotherapy and chemotherapy).

AYUSH treatment:

Expenses for in-patient treatment under Ayurveda, Unani, Siddha and Homeopathy (AYUSH)

treatment only when it has been undergone in a government hospital or any institute recognized by the

government and/or accredited by the Quality Council of India/National Accreditation Board on

Health.

Wellness program:

Redemption of wellness points earned due to healthy behavior through various wellness and fitness

activities. You can redeem the wellness points on OPD bills for doctor’s consultation, medicine and

drugs, diagnostic expenses, dental expenses, etc.

Guaranteed cumulative bonus:

At renewal of the policy, 20% (up to a maximum of 100%) extra sum insured awarded to you over

your base sum insured for every claim-free year. In the event of a claim, there won’t be any bonus

upon renewal of the policy but the bonus accrued prior to this would remain intact.

Surface ambulance:

Reimbursement of up to 1% of the sum insured, subject to a maximum of ₹.10,000, for each

hospitalization, and for reasonable expenses incurred on availing an ambulance service offered by a

hospital or ambulance service provider in an emergency condition.

Claim protector:

Coverage for items that are not otherwise payable by us under your claim. You can avail yourself of

this if your in-patient hospitalization claim has been accepted.

Restore benefit

Facility to restore your balance sum insured up to 100% of the base sum insured once in a policy year

in case the sum insured, including accrued additional sum insured (if any), is insufficient as a result of

previous claims in that policy year.

Cashless hospitalization

Cashless hospitalization facility at any of our network providers or hospitals.

Pre-existing diseases

Pre-existing diseases declared at the time of proposal and accepted by us will be covered immediately

after 2 years waiting period.

Free Health check-up

This benefit covers an annual health checkup, reimbursing up to 0.5% of the sum insured (with a

maximum limit of Rs. 10,000). For sum insured amounts exceeding 10 lakhs, reimbursement can be

availed through both cashless and reimbursement modes

Domestic Air ambulance

Air ambulance expenses to transfer you to the nearest hospital for emergency care. Available up to

sum insured.

Organ Donor

Reimbursement of medical expenses for organ donor up to sum insured. This benefit is provided only

if the hospitalization claim for organ donation surgery is accepted.

Emergency services

Road ambulance expenses for emergency care, telephonic or virtual consultations with a medical

practitioner for routine health issues. You can receive the consultation via audio, video, online portal,

chat or mobile app. This service is available 24 hours a day, 365 days a year.

Copay

No copayment is needed unless you opt for 10% or 20% copay

Lifelong renewability

Provision to renew the health policy every year without any restriction on age.

Floater benefit

Floater cover to get family (self, spouse, dependant parents, dependant children, brothers and sisters)

covered for the same sum insured under a single policy by paying one premium amount. Any

individual above 91 days of age and up to 5 years can be covered under the family insurance plan

provided 1 adult is also covered under the same policy.

Free look period

You can cancel the policy by giving written notice within 15 days of receiving the policy.

Convalescence benefit

A lumpsum of ₹.20,000, payable only once in a policy year. The insured should be hospitalized for

over 10 days to avail this benefit. For policy more than 1 year, you are eligible to receive lump sum

every policy year

Critical Illness cover

Coverage for 20 critical illnesses on a lump-sum basis with a 30-day survival clause. The lump-sum

amount will be equal to the sum insured, or up to ₹.50 lacs, whichever is lower.

Young Couple Maternity Cover Health Insurance-

The age between 18 years and 40 years is always considered as the most progressive in anyone s life

during this period individuals tend to work hard to expand their horizons and work harder to achieve

their goal It is this phase of life solid foundation of success is laid.while individual being busy

working their way of success ,It is also important to protect the health and well being of themselves

and their family ,because a medical emergency can strike at any time and can pose a huge financial

burden ,if health insurance is overlooked .

Eligibility-

 For adults-18yrs ± 40 yrs

 For Dependent Child-91 days ± 25 yrs (Only on Floater Basis)

 Life Long Renewal

What is Covered

Delivery Coverage Plan-

Delivery Expenses-Expenses for a 'delivery including 'delivery caesarean section

including pre natal and post natal expenses up to Rs.30000 per delivery payable.

1. This Benefit is available only for a maximum of 2 deliveries during the life time

under this policy

2. This benefit is suspect to a Waiting period of 36 months from the date of first

commencement of young Couple health insurance policy and its continuous renewal

There With the company

3. Awaiting period of 24 months Till apply a fresh following a claim under this Benefit.

4. Pre_hospitalisation and post hospitalisation expenses are not applicable for this section.

Hospitalisation

Medical expenses incurred during hospitalization for more than 24 hours, including room charges,

doctor/surgeon’s fee, medicine bills, etc.

Pre and post hospitalization

Medical expenses incurred 60 days prior and days post (provided we have accepted the in-patient

claim).

Day care treatments

All day care procedures are covered (Actuals)

accredited by the Quality Council of India/National Accreditation Board on Health.

Wellness program

Redemption of wellness points earned due to healthy behavior through various wellness and fitness

activities. You can redeem the wellness points on OPD bills for doctor’s consultation, medicine and

drugs, diagnostic expenses, dental expenses, etc.

Guaranteed cumulative bonus

At renewal of the policy, 20% (up to a maximum of 100%) extra sum insured awarded to you over

your base sum insured for every claim-free year. In the event of a claim, there won’t be any bonus

upon renewal of the policy but the bonus accrued prior to this would remain intact.

Claim protector

Coverage for items that are not otherwise payable by us under your claim. You can avail yourself of

this if your in-patient hospitalization claim has been accepted.

Restore benefit

Facility to restore your balance sum insured up to 100% of the base sum insured once in a policy year

in case the sum insured, including accrued additional sum insured (if any), is insufficient as a result of

previous claims in that policy year.

Cashless hospitalization

Cashless hospitalization facility at any of our network providers or hospitals.

Pre-existing diseases

Pre-existing diseases declared at the time of proposal and accepted by us will be covered immediately

after 1 years waiting period.

Free Health check-up

This benefit covers an annual health checkup, reimbursing up to 0.6% of the sum insured (with a

maximum limit of Rs. 5,000). For sum insured amounts exceeding 15 lakhs, reimbursement can be

availed through both cashless and reimbursement modes.

Domestic Air ambulance

Air ambulance expenses to transfer you to the nearest hospital for emergency care. Available up to

sum insured.

Emergency services

Road ambulance expenses for emergency care, telephonic or virtual consultations with a medical

practitioner for routine health issues. You can receive the consultation via audio, video, online portal,

chat or mobile app. This service is available 24 hours a day, 365 days a year.

Lifelong renew-ability

Provision to renew the health policy every year without any restriction on age.

Floater benefit

Floater cover to get family (self, spouse and children, ) covered for the same sum insured under a

single policy by paying one premium amount. Any individual above 91 days of age and up to 5 years

can be covered under the family insurance plan provided 1 adult is also covered under the same

policy.

Free look period

You can cancel the policy by giving written notice within 15 days of receiving the policy.

Convalescence benefit

A lump sum of ₹.14,000, payable only once in a policy year. Rs.1,000/- per day, Maximum 7days

per admission, 14 days per policy period

Senior Citizen Health Insurance Plane-

Covers for regular hospitalization for elderly persons.

Eligibility-

For adults-60 years to 75 years.

What is Covered?

1. Sum insured

• Individual Option - 1Lac to 25 Lacs ; Floater Option - 10 Lac to 25 Lacs
• Pre and post hospitalization
• Medical expenses incurred 30 days pre and post Post-Hospitalization Expenses 7%
• of the hospitalization Expenses or Rs 10000 Max.

      2. Day care treatments

• All day care procedures are covered (Actuals)
• Cashless hospitalization
• Cashless hospitalization facility at any of our network providers or hospitals.
• Co-Payment
• Non-Pre Existing Disease (Non-PED)
• Co-pay of 30% on Non-Pre Existing Disease (Non-PED) Related Claims for 1-10 Lac SI.
• 
  
• Pre Existing Disease Co-pay of 50% on Pre Existing Disease (PED) Related Claims for 1-10 Lac SI .

     3.  PED and Non-PED related claims

• Copay of 30% on PED and Non-PED related claims for 15 Lac, 20 Lac and 25 Lac SI.
• Domestic Air ambulance
• Air ambulance expenses to transfer you to the nearest hospital for emergency care. Available up to sum insured.

      4. Emergency services

• Road ambulance expenses for emergency care, telephonic or virtual consultations with a medical
• practitioner for routine health issues. You can receive the consultation via audio, video, on-line portal,
• chat or mobile app. This service is available 24 hours a day, 365 days a year.
• Lifelong renew-ability
• Provision to renew the health policy every year without any restriction on age.

2. Motor Insurance:

• Provides coverage for vehicles against damages caused by accidents, theft, natural disasters, and third-party liabilities.
• 1- 4 Wheeler Car insurance
• A car insurance policy, also known as vehicle insurance, saves you money when your car is damaged in an accident or natural calamity. It also covers your vehicle against theft and burglary. At times, you may end up hurting others or damaging property in an accident. A car insurance policy covers such third-party liabilities as well. If you own a car in India, having third party car insurance is a must for you. That’s why it’s crucial to buy and renew your policy on time to stay on the right side of the law and be covered against car damages. At an affordable premium, our reliable car insurance policy protects you against all these risks so that you can drive worry-free. Apart from comprehensive car insurance, third-party only and own-damage only car insurance policies are also available.
• A car insurance policy, also known as vehicle insurance, saves you money when your car is damaged in an accident or natural calamity. It also covers your vehicle against theft and burglary. At times, you may end up hurting others or damaging property in an accident. A car insurance policy covers such third-party liabilities as well. If you own a car in India, having third party car insurance is a must for you. That’s why it’s crucial to buy and renew your policy on time to stay on the right side of the law and be covered against car damages. At an affordable premium, our reliable car insurance policy protects you against all these risks so that you can drive worry-free. Apart from comprehensive car insurance, third-party only and own-damage only car insurance policies are also available.in an accident or natural calamity. It also covers your vehicle against theft and burglary. At times, you may end up hurting others or damaging property in an accident. A car insurance policy covers such third-party liabilities as well. If you own a car in India, having third party car insurance is a must for you. That’s why it’s crucial to buy and renew your policy on time to stay on the right side of the law and be covered against car damages. At an affordable premium, our reliable car insurance policy protects you against all these risks so that you can drive worry-free. Apart from comprehensive car insurance, third-party only and own-damage only car insurance policies are also available.

Key Features of car insurance-

    Key Feature Benefits :

• Car Insurance Premium Starts at ₹2,099 Aprox.
• No Claim Bonus Up to 50%
• Cashless Garages 13000+ Network Garages C & Roadside Assistance
• Add-on Covers 9 Add-on Covers
• Personal Accident
• Cover Up to ₹15 lakhs
• Third Party Damage
• Cover Covers Injuries to Third party & Property
• Own Damage Cover Covers Accidents, Natural calamities, Theft, Fire & Personal Belongings

    

Accident Cover

Claim Settlement Instant survey via InstaSpect Types of car insurance

• Comprehensive car insurance is a more comprehensive policy that covers not only third-party
• liabilities but also damage to your own vehicle. On the other hand, third-party car insurance only covers legal liabilities in case of an accident. Comprehensive car insurance also offers add-ons like

zero depreciation and roadside assistance, whereas third-party insurance only includes mandatory coverage as per law. Comprehensive vs Third party car insurance

• Comprehensive Car Insurance Third-Party Car Insurance
• Covers damages to your own car and third-party liabilities Covers third-party liabilities only
• Provides complete protection for your car Only covers legal liabilities May include add-ons like zero depreciation, roadside assistance, etc.
• Only includes mandatory third-party coverage as per law
• Higher premium as compared to third-party insurance Lower premium as compared to comprehensive insurance

Can be purchased online or offline Mandatorily needs to be purchased before registering a car 2- Two-wheeler insurance

• Two-wheeler insurance is an insurance plan focused on protection and coverage for bikes. It covers
• the cost of repairs in the case of accidental damages to your bike. Apart from accidents, it also provides financial security from incidents like thefts, natural disasters, vandalism, etc. and third party liabilities.
• Key features of two wheeler insurance
• Key Feature Benefits
• No Claim Bonus Up to 50%
• Cashless Garages 13000+ Network Garages C & Roadside Assistance
• Add-on Covers Add-on Covers

Personal Accident

1. Cover Owner / Driver Personal Accident Cover Third Party Damage Cover Covers Injuries to Third party & Property
2. Own Damage Cover Covers Accidents, Natural calamities, Theft, Fire & Personal Belongings Accident Cover

Claim Settlement Instant survey via InstaSpect Types of two wheeler insurance

• Comprehensive vs Third party Two wheeler insurance
• Comprehensive two wheeler Insurance Third-Party two wheeler Insurance
• Covers damages to your own two wheeler and third- party liabilities Covers third-party liabilities only
• Provides complete protection for your two wheeler Only covers legal liabilities May include add-ons like zero depreciation, roadsideassistance etc.
• Only includes mandatory third-party coverage as per law
• Higher premium as compared to third-party insurance Lower premium as compared to comprehensive insurance

3. Home Insurance:

• Protects homeowners against financial losses due to damages or losses to their property caused by events such as fire, burglary, natural disasters, or vandalism.

4. Travel Insurance:

• Provides coverage for risks associated with domestic or international travel, including trip cancellations, medical emergencies, lost luggage, and travel delays.

5. Commercial Insurance:

• Offers coverage for businesses against various risks, including property damage, liability claims, business interruption, and employee-related risks such as workers' compensation.

6. Personal Accident Insurance:

• Provides coverage for accidental death, disability, or dismemberment resulting from accidents.

7. Marine Insurance:

• Covers goods transported by sea or air against loss, damage, or delay during transit.

8. Crop Insurance:

• Protects farmers against financial losses due to crop damage or failure caused by natural disasters, pests, or diseases.

9. Pet Insurance:

• Provides coverage for veterinary expenses, medical treatments, and other expenses related to pet care.

10. Liability Insurance:

• Protects individuals or businesses from legal liabilities arising from negligence, errors, or omissions.