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Top-Up Insurance

A Top-up Health Insurance Plan is an indemnity policy that provides additional medical coverage to people with an existing health insurance policy or an employer Mediclaim policy. It allows people to get their medical expenses covered even if they have exhausted the sum insured of their health insurance policy.

Top-up medical insurance plans are affordable and more economical than basic health insurance. It will offer an additional sum insured to help you cope with unforeseen medical emergencies in case you feel that your existing policy may not suffice.

Top-Up Insurance Benefits:

In patient hospitalization expenses, including nursing and boarding charges, room rent, Doctor’s fees , OT charges , cost of oxygen , prosthetic devices or implantation of any other equipment during surgery , blood , diagnostic procedures and other similar expenses.

  • Pre-Hospitalization Expenses
  • Post hospitalization Expenses
  • Day care Procedures that do not require hospitalization of even 24 hours
  • Organ Donor Expenses
  • Emergency Ambulance Charge
  • Domiciliary Treatment Expenses

Medical Insurance

A Health Insurance Policy is a financial shield that protects you and your family during medical emergencies. It comes with several benefits such as paying for your hospitalization, surgeries, diagnostic tests, doctor consultations, and other medical services. General health insurance helps individuals and families manage healthcare costs by covering a significant portion of the expenses incurred for covered treatments and services.

When you choose us for Health Insurance, you get the the following advantages:
  • Lowest Premium from across all service providers.
  • Best Offerings after a careful evolution of all available products.
  • Quick & complete claim management.
  • Easy Renewals over Call or Whatsapp or Texts.
  • Best Class Product, as per your needs.
General Health Insurance Cover

Offers comprehensive coverage for various medical expenses, providing financial protection for routine and unforeseen healthcare needs like diagnostic tests, surgeries, doctor consultations, and other medical services.

Critical Illness Cover

Provides a lump sum payout in the event the policyholder is diagnosed with a specified critical illnesss such as cancer, heart attack, stroke, organ transplant, and others as defined in the policy. The lump sum payment can be used to cover medical expenses, lifestyle adjustments, or other financial obligations during the treatment and recovery period.

Health Insurance Benefits:
  • Financial Protection
  • Access to Quality Healthcare
  • Preventive Services
  • Emergency Medical Coverage
  • Prescription Medication Coverage
  • Maternity and Reproductive Health Coverage
  • Mental Health Coverage
  • Coverage for Chronic Conditions
  • Network Discounts

Fire Insurance

Fire Insurance is a crucial form of insurance that safeguards individuals and businesses against the devastating consequences of fire-related incidents. By offering comprehensive financial protection, this insurance covers damages resulting from fires, lightning strikes, explosions, and named perils. It goes beyond the standard limits set by regular property insurance policies, providing additional coverage for the replacement, repairs or reconstruction of insured properties like buildings, inventory, and equipment.

Coverages under Fire Insurance:
Building Coverage

Protects the structure against fire damage.

Content Coverage

Covers damage to the contents inside the insured property.

Business Interruption

Compensates for lost income during the period of business disruption caused by fire.

Additional Coverages

May include coverage for smoke damage, water damage from firefighting efforts, and damage to neighboring properties.

When to Claim Fire Insurance

Having fire insurance is crucial for mitigating the financial consequences of fire-related incidents, offering a safety net to individuals and businesses faced with property damage or loss due to fire.

  • When the insured property suffers damage or loss due to fire.
  • Promptly report the incident to the insurance company.
  • Provide necessary documentation, such as a fire department report, to support the claim.
Benefits of Fire Insurance:
  • Financial Protection
  • Reconstruction and Replacement
  • Peace of Mind
  • Business Continuity
  • Legal Compliance
  • Risk Mitigation

Marine Insurance Policy

Marine Insurance Policy is a type of insurance that provides coverage for risks associated with shipping, cargo transport, and other maritime activities. It ensures that you are safeguarded against potential loss or damage to your goods throughout the entire journey, from the point of origin to the destination. It’s a comprehensive solution to protect your valuable cargo and investments, ensuring your assets are safe and secure.

Coverage for Marine Insurance:
  • Coverage for the Loss or Damage to the Goods/Cargo due to theft.
  • Coverage for the Loss or Damage of Goods during the Loading and Uploading.
  • Malicious Damage
  • Collision of Goods Carrying Vessel
  • Fire, Lightning, and Explosion
  • Breakage of Bridge
  • Stranding, Grounding, or Sinking
  • Earthquake or Volcanic Eruption
  • Water Entering the Vessel during transportation
Benefits of Marine Insurance
Risk Mitigation

Guards against the various risks associated with transportation, including accidents, natural disasters, and theft.

Financial Protection

Provides compensation for losses or damages to the insured assets, reducing financial impact.

International Trade Facilitation

Enables businesses to engage in global trade with confidence, knowing that their shipments are protected.

Legal Compliance

In some cases, marine insurance may be a requirement imposed by shipping contracts, international trade laws, or local regulations.

Business Continuity

Helps businesses recover quickly from losses, ensuring that trade operations can continue smoothly.

Liability Insurance

Liability Insurance provides protection against claims resulting from injuries and damage to people and / or property. Liability Insurance covers legal costs and payouts for which the insured party would be found liable. Provisions not covered include international damage, contractual liabilities, and criminal prosecution.

Liability Insurance is a type of insurance policy that safeguards individuals and / or businesses against risks that they may be held legally. Simply put, if the policy holder is liable for any third-party loss or damage then the insurer will recompense the damage incurred. Generally, the coverage is provided for both legal and financial liabilities until it is international.

Types of Liability Insurance:

There are different types of liability insurance in India and are as follows:

Product Liability Insurance

It shields business from litigation brought about by injuries or fatalities brought on by their products.

Director And Officer Liability

If the company is sued, Director and Officer Liability Insurance protects the board of directors and officers against liabilities.

Employer’s Liability

This policy is for employers who want to cover the liabilities of employees who may get injured because of the job. Generally, this insurance is known as Business Liability Insurance.

Professional Indemnity Insurance

It is a type of policy that is designed for4 professionals such as Medical Practitioners, Architects, Engineers, Lawyers, Chartered Accountants and services that need to protect their business interests against legal claims for professions neglect error or omissions.

Third- Party Insurance

This policy is suitable for small industries or individuals who want coverage for damage or losses caused by them to a third-party.

Benefits of Liability Insurance:
  • Offers Financial Protection to Business and People
  • Covers Legal Responsibilities to other Parties.
  • Protects against Property Damage
  • Coverage for Third-party Bodily Harm and Individual Injuries.
  • Liability insurance is often required for those that manufacture products, offer vehicle insurance policies or practice law or medicine.

Erection All risk (EAR) Insurance

The Erection All risk (EAR) Insurance covers loss or damage to protections that involve the erection / installation of plant, machinery, and equipment. It protects a contractor or employer against physical loss or damage to the contract works. Construction plant and equipment. It also includes cover for damage to the property of third parties and bodily damage to third-party.

Coverage for Erection All risk (EAR) Insurance:
  • Erection All Risk Insurance offers comprehensive coverage for plant and machinery construction risks.
  • This policy can be extended to include third party liability related to work conducted on the contract site.
Add on Covers:

Below are some of the add on covers that can be opted:

  • Surrounding Property
  • Debris Removal Expenses
  • Third-party Liability
  • Escalation Costs up to 50%
  • Air Freight & Express Freight
  • Extended Maintenance
  • Additional Custom Duty

Contractor's All Risk (CAR) Insurance

Contractor's All Risk (CAR) Insurance is a type of insurance policy designed to provide coverage for construction and engineering projects. It typically covers various risks associated with the construction process, offering protection to both contractors and project owners. It provides comprehensive coverage against loss or damage pertaining to construction work, pieces of machinery, plant and equipment as well as bodily injury to the third-party in the event of accidents during the execution of these projects. It further offers protection to civil contractors against the destruction or damage of different construction projects like Offices, Hospitals, Channels, Tunnels etc. Any accidental damage to these projects or the plant of contractor or machinery is covered in this kind of policy.

Coverage of Contractor's All Risk Insurance

The two main categories of Contractor's All Risk Insurance are:

Material Damage Coverage
  • This category covers physical damage or loss to the contract works, including the construction materials, machinery, and the property being built.
  • Common perils covered include fire, theft, vandalism, and natural disasters like earthquakes or floods.
  • It ensures that the project is financially protected in case of unexpected events leading to damage or loss of the construction works.
Third-Party Liability Coverage
  • This category provides protection against legal liabilities arising from third-party injury or property damage during the construction project.
  • It covers legal expenses and compensation that the insured may be required to pay if they are found liable for injury or damage to third parties (e.g., workers, visitors, or neighboring properties).
  • Third-party liability coverage is crucial as construction sites inherently involve various risks, and accidents can lead to legal claims.
Benefits of a Contractor's All Risk Policy:
  • Material Benefits: Construction work may lead to material losses for the parties involved. This policy gets you covered for the losses that parties involved in the construction project may occur at any point of ongoing construction work. The policy covers losses up to a certain amount that does not exceed the total sum insured or the sum mentioned against every item.
  • Third-Party Benefit: Third-party liability coverage benefits include protection against legal claims and liabilities, ensuring that the contractor is financially covered in case third parties suffer harm or property damage due to the construction activities.
Perils covered under the policy are:
  • Fire and Allied Perils
  • Collapse
  • Earthquake, Shock, and Fire
  • Faults in Construction
  • Storms, Floods, Cyclones, and Tempests
  • Negligence and Human Error
  • Water Damage

Engineering Insurance

Engineering insurance, also known as Engineering All Risk (EAR) insurance, is a type of insurance that provides coverage for various risks associated with engineering projects. It is designed to protect the project owners, contractors, and other parties involved in construction or engineering works. The policy typically covers material damage to the project and third-party liabilities arising from the construction activities.

Benefits of Engineering Insurance Policy:
Material Damage Coverage

Protects against physical damage or loss to the construction project, including the machinery, equipment, and structures involved.

Third-Party Liability Coverage

Provides protection against legal liabilities arising from injury, death, or property damage to third parties not involved in the project.

Delay in Start-Up (DSU) Coverage

Compensates for financial losses incurred due to delays in project completion caused by insured perils.

Contractors Plant and Machinery (CPM) Insurance

Covers the machinery and equipment used in the construction project against accidental damage.

Professional Indemnity Coverage

Protects engineers, architects, and other professionals involved in the project against claims related to professional negligence.

Risk Mitigatio

Provides a financial safety net, allowing project stakeholders to undertake construction projects with greater confidence, knowing that unforeseen risks are covered.

Engineering insurance is essential for managing the complex risks associated with construction and engineering projects, offering financial protection and peace of mind to all parties involved in the process.