While pursuing our financial goals, we should also consider the possible risks in the journey. These risks might prove costly if not attended in due time. It is important to realize that both over-insuring and under-insuring can be costly. Our authorized planner can review the insurance provisioning and ensure that you are appropriately & adequately Insured.
We provide various options of Risk cover:
- Life insurance
It becomes outmost necessary to protect the life of earning member(s) in the family. He / She is the backbone of the financial planning and in case of any adverse situations there is high risk of failing the Financial plans miserably.
Life insurance is insurance for you and your family’s peace of mind. With a life insurance policy in place, you can:
- Ensure that your family is able to maintain their lifestyle; in any adverse situations
- Provide security to your family
- Protect your home mortgage, loans, credit card borrowings etc.
- Provide finance to your loved ones to achieve their goals in your absence
We provide Life insurance plans to cover the family liabilities. The sum Assured will ensure that in case of any unpleasant situation; the entire family won’t suffer due to lack of Financial inflow due to unfortunate demise of the earning member of the family.
We are associated with major Life Insurance Companies in India
- Health Insurance
No one plans to get sick or hurt, but most people need medical care at some point. Hospitalization can burn a hole in your pocket and derail your finances. It will become even tough, if the person who brings in the money, is now in a hospital bed. All this can be avoided by just paying a small annual premium which would lessen your stress in case of medical emergencies.
A good health insurance policy would usually cover expenses made towards doctor consultation fees, costs towards medical tests, ambulance charges, hospitalization costs and even post-hospitalization recovery costs to a certain extent.
Medical inflation in India is 12-15%. Which means the medical costs are getting doubled in approx. 5 years. In such situations, our wide range of Health insurance plans will help you as per the requirement.
- Critical Insurance
Critical illness insurance policies provide coverage for life threatening diseases, that require treatment over a long period of time. Some of these illnesses include heart condition, cancer, paralysis, kidney failure, benign brain tumor, amongst others. Usually, treatments of these diseases are extremely costly.
It will give you the same security of knowing that a guaranteed cash amount will be paid if the unexpected happens and you are diagnosed with a critical illness.
I am healthy, do I need coverage for critical illness?
Yes, the occurrence of critical illnesses is on the rise. The Indian Council of Medical Research (ICMR) has projected the occurrence of 17.3 lakh new cases of cancer and over 8.8 lakh deaths due to the disease by 2020.
Apart from the coverage of major critical illnesses, critical illness insurance offers wider cost coverage at nominal premiums. Treatment of critical illnesses are expensive. For example, the cost of lung cancer surgery can be upwards of ₹4 lakh, while chemotherapy cycles can be around ₹2 lakh.
Critical illness insurance plans play an important role in combating critical diseases. Most individuals afflicted by a critical illness are unable to undergo treatment due to lack of funds. With critical illness insurance plans, patients can get the right treatment, which in turn can enhance their chances of survival.
- Personal Accident Insurance
Personal Accident Insurance Policy gives complete financial protection against all accidental occurrences that might lead to death or bodily injury of the insured person. If the accident leads to the untimely death of the Insured, this Policy will provide complete financial security to the Insured’s family members.
A Personal Accident Insurance policy covers you against death, permanent disability, permanent partial disability, and temporary total disability. For death and permanent disability – its pays you the total sum insured and for temporary disability it pays you a weekly compensation of around 1% of Sum Insured per week.
- General Insurance
- Car Insurance
Motor Insurance or vehicle Insurance is all about protecting against financial losses arising out of vehicle usage. With the multifold rise in usage of four wheelers, motor Insurance is also termed as Car Insurance or Auto Insurance. Auto Insurance is one of the most common types of general insurance products.
Car Insurance is mandatory by law and protects you and the people riding in your car from any legal claim or penalty made by a third party. Family members who may drive your car can also be covered through auto insurance. Your car insurance policy is the most important document in your vehicle. Along with comprehensive coverage against physical damage, bodily injury and cover against third-party liability, your motor insurance brings to your confidence and peace of mind. All this is backed by our superior claims servicing capability and fast settlement record for vehicles insured by us.
- Shop Insurance
As a shop owner, you constantly worry about the hazards your shop and the contents within are exposed to. A sudden crisis at your place – a theft, an employee’s infidelity, a fire accident, breakage of neon & Glow sign, Money in transit, counter or safe. That is why you need a protective cover like one Shop Package Insurance offers. Taking care of your business is our business. And we do it well.
- Fire and Special Perils
Fire insurance policy is suitable for the owner of property, one who holds property in trust or in commission; individuals/financial institutions who have financial interest in the property. All immovable and movable property located at a particular premise such as buildings, plant and machinery, furniture, fixtures, fittings and other contents, stocks and stock in process along with goods held in trust or in commission including stocks at suppliers/ customer’s premises, machinery temporarily removed from the premises for repairs can be insured.