Life Insurance

Financial protection for your family's future with various life insurance plans.

Term Life Insurance

Pure protection plan with high coverage at affordable premiums.

  • Coverage: Up to ₹5 Crores
  • Premiums: As low as ₹500/month
  • Tenure: 10 to 40 years

Whole Life Insurance

Lifetime coverage with savings and investment component.

  • Coverage: Lifetime protection
  • Maturity Benefits: Yes
  • Bonus: Annual bonuses declared

Endowment Policy

Combines insurance protection with guaranteed savings.

  • Coverage: Life cover + savings
  • Maturity: Lump sum payment
  • Bonus: Participating in profits

Money Back Policy

Periodic returns during policy term with life coverage.

  • Survival Benefits: Every 5 years
  • Coverage: Continues till maturity
  • Maturity: Final lump sum payment

ULIP (Unit Linked Insurance Plan)

Insurance plus market-linked investment for wealth creation.

  • Investment: In equity/debt funds
  • Flexibility: Switch between funds
  • Transparency: Daily NAV updates

Child Plans

Secure your child's education and future dreams.

  • Coverage: Parent's life covered
  • Payouts: At important milestones
  • Waiver of Premium: If parent passes away

Retirement / Pension Plans

Guaranteed monthly income after retirement.

  • Income: Monthly pension
  • Options: Immediate or deferred
  • Tax Benefits: Under Section 80CCC

Health Insurance

Comprehensive medical coverage for individuals, families, and senior citizens.

Individual Health Insurance

Medical cover for one person with cashless hospitalization.

  • Coverage: ₹1 Lakh to ₹1 Crore
  • Network Hospitals: 5000+ across India
  • Pre-existing: Covered after waiting period

Family Floater Plan

One plan covering entire family with shared sum insured.

  • Coverage: Spouse, children, parents
  • Economical: Lower than individual policies
  • Newborn: Covered after 90 days

Critical Illness Insurance

Lump sum payout for major diseases like cancer, heart attack.

  • Coverage: 30+ critical illnesses
  • Payout: Lump sum on diagnosis
  • Survival Period: 30 days typically

Senior Citizen Plan

Special health coverage for individuals aged 60 and above.

  • Coverage: Up to ₹25 Lakhs
  • Pre-existing: Covered from day 1
  • Co-payment: Options available

Top-Up Policy

Extra cover over and above your existing health policy.

  • Activation: After deductible limit
  • Cost-effective: Lower premiums
  • Flexible: Choose deductible amount

Personal Accident Plan

Coverage for accidental death, disability, and injuries.

  • Coverage: Up to ₹2 Crores
  • Disability: Partial/Total covered
  • Hospitalization: Daily cash allowance

General Insurance

Protection for your assets - motor, home, travel, and commercial properties.

Motor Insurance

Third party and comprehensive coverage for vehicles.

  • Types: Third Party & Comprehensive
  • Add-ons: Zero depreciation, engine protection
  • NCB: No Claim Bonus up to 50%

Home Insurance

Protection against fire, theft, natural calamities for your home.

  • Coverage: Structure + contents
  • Perils: Fire, earthquake, flood, theft
  • Add-ons: Jewelry, electronics cover

Travel Insurance

Medical and trip-related emergencies during domestic/international travel.

  • Coverage: Medical, trip cancellation
  • Baggage: Loss/delay coverage
  • Emergency: Medical evacuation

Marine Insurance

Coverage for goods in transit via sea, air, or land.

  • Coverage: Cargo, hull, liability
  • Transit: Door-to-door coverage
  • Risks: Theft, damage, accidents

Commercial Insurance

For shops, factories, stocks, and business liabilities.

  • Types: Fire, burglary, public liability
  • Coverage: Building, stock, machinery
  • Business Interruption: Loss of profits

Specialized Insurance

Niche insurance products for specific needs and situations.

Loan Protection Insurance

Covers loan EMIs if borrower dies or becomes disabled.

  • Coverage: Outstanding loan amount
  • Beneficiary: Lender gets paid directly
  • Peace of Mind: Family not burdened

Cyber Insurance

Protection against data loss, cyber fraud, and online attacks.

  • Coverage: Data breach, cyber extortion
  • Business Loss: Due to cyber incidents
  • Legal Costs: Data privacy lawsuits

Crop Insurance

Weather-related loss protection for farmers.

  • Coverage: Yield loss, weather damage
  • Government Scheme: PMFBY available
  • Premium Subsidy: Up to 90% by government

Pet Insurance

Health cover for your pets - dogs, cats, and other animals.

  • Coverage: Medical treatment, surgery
  • Accidents: Injury from accidents
  • Illnesses: Chronic conditions covered

Event Insurance

Coverage for weddings, concerts, exhibitions, and other events.

  • Coverage: Cancellation, property damage
  • Liability: Public liability included
  • Weather: Rain/windstorm coverage

Insurance Premium Comparison (Annual)

Insurance Type Sum Insured Premium Range Key Features
Term Life Insurance ₹1 Crore ₹8,000 - ₹15,000 Pure protection, high coverage
Health Insurance (Individual) ₹5 Lakhs ₹5,000 - ₹10,000 Cashless hospitalization, pre-existing covered
Car Insurance (Comprehensive) IDV ₹5 Lakhs ₹10,000 - ₹20,000 Own damage + third party, add-ons available
Home Insurance ₹50 Lakhs ₹2,000 - ₹5,000 Fire, theft, natural calamities
Travel Insurance (International) Medical ₹5 Lakhs ₹500 - ₹2,000 Trip duration based, medical evacuation

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