General Insurance

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General insurance

General insurance or non-life insurance policies, including automobile and homeowners policies, provide payments depending on the loss from a particular financial event. General insurance is typically defined as any insurance that is not determined to be life insurance.

Car Insurance

As per the Motor Vehicles Act, 1988, all vehicles running on the Indian roads is mandatory to be insured. Motor insurance companies allow you to choose the type of coverage you want to opt for. There are two types of motor insurance - Third Party Liability Cover and Comprehensive Insurance Policy.

Vehicle Insurance category includes

The smartest thing to secure your car financially is by buying a car insurance policy. This would save your finances if your car meets with an accident, or falls prey to any natural disaster like floods, earthquake, theft, etc.

There are 2 types of car and Two wheeler insurance policy:


  • Third Party Liability Insurance is nothing but the coverage guaranteed to the third party only i.e. Damage to another person’s vehicle or property, bodily injuries and permanent disability during an accident by your vehicle. It is a mandatory over as per the law.
  • Comprehensive Insurance is an optional coverage and thus is not mandatory. This type of insurance provides coverage for third-party and also for your Vehicle. It is best for those who want to cover the losses due to the accidents and also to recover losses due to theft and natural disasters, and not for those who take car insurance merely as a mandatory clause.

There are certain perks of buying motor insurance which includes personal accident cover, cashless services at network garages, roadside assistance, towing support, etc.

Health Insurance

Health Insurance is a type of insurance that covers the insured's medical and surgical expenses. Depending on the policy terms and conditions, the insurer either pays the insured in the form of reimbursement or offers a cashless facility at the listed network hospital of the Insurance Company.

Certain benefits offered under Health Insurance Plans are:

  • Pre & Post Hosptialization Benefit
  • Cashless Treatment
  • They can cover your financial liabilities
  • Day Care Treatment, etc.
  • Room Rent Waiver
  • Maternity Cover
  • Critical Illness cover
  • Hospital Cash
  • Personal Accident Rider, etc.

Health Insurance is divided into 4 categories which includes comprehensive health insurance, family floater cover, surgery cover and individual cover.


Travel Insurance

Travel insurance would help you tackle all the travel and medical contingencies while you travel abroad. It is utmost important to add travel insurance to your checklist while you plan your vacation, be it for leisure or business. Travel insurance is gaining back all its lost significance.

The main reasons to buy a Travel Insurance is to avoid unforeseen conditions like

  • Flight delay
  • Loss of baggage
  • Loss of passport
  • Medical emergencies
  • Emergency dental expenses
  • Hospital cash allowance
  • Accidental death
  • Financial emergency assistance, etc.
  • Personal Accident Rider, etc.

Home Insurance

A home offers the peace, serenity and warmth that you may be looking for after a tiring day at work. Therefore, buying a home insurance is utmost important. It offers protection to the entire structure of your house and ensures utmost security for all the belongings that you may collected over the years. There are certain home insurance policies that offer coverage till 5 years. You would have to pay a premium based on the value of the belongings in your home.

Home Insurance Covers the Structure and Content of your home from below

    Fire and Peril Cover:

  • Due to Fire, Explosion
  • Aircraft Damage
  • Lightning
  • Missile Testing Operations
  • Natural Calamities:

  • Flood
  • Hurricane
  • Storm
  • Landslide and Rockslide
  • Cyclone, etc.
  • Man Made Calamities

  • Riot
  • Strike
  • Theft or Burglary

Marine Insurance

Marine insurance is also known as Cargo Insurance. It covers any loss or damage due to cargo, terminals, ships and other transport or cargo through which any property is acquired, transferred or is held between two points that can be the origin and the destination point.

The various types of Marine Insurance includes,

  • Cargo insurance
  • Hull insurance
  • Freight insurance
  • Liability insurance, etc.

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