Motor Insurance

• The policy covers all type of vehicles plying on public roads such as- Private car, Scooter and motorcycles and all type of commercial vehicles as well as Motor trade (Vehicle in showroom & Garage)
• Third Party Liability policy covers Death/Bodily injury or damage to Property belonging to persons other than the insured. Comprehensive Policy or Package Policy covers damage to the insured vehicle, accessories thereon. There is option to cover personal accident for driver and passengers. Coverage for Towing Charges is also allowed.

Health Insurance

• In the days of rising cost of hospitalization expenses, mediclaim insurance has become the necessity of the day. Mediclaim policy covers Hospitalization/ domiciliary expenses for the treatment of the injury, sickness or disease subject to the terms and condition of the policy.
• Standard mediclaim policy covers hospitalization expense for surgical procedure, non-surgical procedure including room rent, ICU charges, surgeon's, anesthetist's, consultant's fees and cost of oxygen, blood, medicine, implants and tests etc.
• Ambulance charges for shifting patient to hospital are also covered.
• Minimum hospitalization for 24 Hours is required.
• During first four years pre-existing disease are excluded and also there is waiting period of 30 days in first policy years. Some disease are excluded for one to two years.
• Cost of health check up also allowed once in a four years. Pre and post hospitalization expenses relevant to ailment for which hospitalization was done are also covered with certain limitations

Overseas Mediclaim Policy (Travel Insurance)

• Overseas mediclaim insurance is designed to cover risk involved while traveling overseas for business or holidays or studies etc. The policy covers illness/ disease, accident, loss of baggage or. Passport and personal liability.
• The USP is that premium is paid in Indian Rupee but the claim is payable in foreign currency while in abroad.

Fire Insurance

• The standard fire protects from three kinds of damage Fire, Smoke and water damage. The standard Fire and Special Perils Policy covers all properties on land (excluding cost of land). Movable or immovable assets against named perils that is-fire, lighting, riots, explosion/implosion, air craft damage, storm, tempered, flood etc.
• Besides building it is also available for plant, machinery, furniture, fixtures & fittings, electrical fitting, stocks, household goods etc.
• The risk from burglary and earthquake can be added optionally. Terrorism risk can also be added.

Overseas Mediclaim Policy (Travel Insurance)

• Overseas mediclaim insurance is designed to cover risk involved while traveling overseas for business or holidays or studies etc. The policy covers illness/ disease, accident, loss of baggage or. Passport and personal liability.
• The USP is that premium is paid in Indian Rupee but the claim is payable in foreign currency while in abroad.

Cargo Insurance

• The policy provides cover against loss or damage to cargo during transit from one place to another by any one or more of the transports that is road, railway, waterways, by air, and postal service.
• Specific policy for covering specific single transit.
• Open policy for covering transit of regular consignment over the same route.
• The policy has to be taken for an amount equal to three month of his billing and premium is paid in advance.

House holders Insurance

• The house holders insurance is a comprehensive policy comprising of ten sections which covers contingencies faced by householders. By purchasing this policy the house holder can insure his house and its contents against fire and allied perils & burglary, Personal Accident, liability, breakdown of domestic appliances and jewellery/valuables are also covered.

Corporate Comprehensive Plan

• Corporate protection means full insurance against all risk of loss. All enterprise needs a shield against risks to business whether natural or manmade.
• This insurance can cover building, machinery, stock in trade, furniture, fixture & fittings and other specified contents.
• Policy can also be extended to cover business interruption and loss of profit after loss or damage to business property.
• Cover can be added to cover dishonesty of employees, workman compensation, director's liability and error & omission by owner and employees.

Professional Liability Insurance

• Professional Liability policy is meant for professionals such as architect, engineer, doctor, lawyer, chartered accountant, medical practitioner as well as services such as medical establishments. This policy protects their interest against legal claims for error & omissions and professional neglect.
• This insurance available for both, the principal and employees.
• Only civil liability claims are covered.
• The limit of liability is fixed as " Per Accident " and "Per Policy Period " i.e. Any one accident (AOA) and any one year (AOY) limit respectively.