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General Insurance
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The other name for this is general insurance. All the remaining things, items other than human life insurance comes under Non-Life insurance.
Accidents... illness... fire... financial securities are the things you'd like to worry about any time. General Insurance provides you the much-needed protection against such unforeseen events. Unlike Life Insurance, General Insurance is not meant to offer returns but is a protection against contingencies. Under certain Acts of Parliament, some types of insurance like Motor Insurance and Public Liability Insurance have been made compulsory. |
It is very important to have adequate amount of coverage for each insurance policy. For any asset or property insurance, the value of the asset based on market value or reinstatement value should be taken into consideration before deciding Sum Insured. If the Sum Insured is not adequate, the percentage representing the uncovered portion of the asset is to be borne by the insured.
Almost everything that has a financial value in your life and has a probability of getting lost, stolen or damaged, can be covered through insurance. Property (both movable and immovable), vehicle, cash, household goods, health, dishonesty and also your liability towards others can be covered.
Accidents and mishaps can occur anytime and anywhere. It is important to identify the risks faced and insure oneself against these at the earliest.
Some of the insurances covered under this are as under :-
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Personal Insurance
• Pravasi Bharatiya Bima Yojana Policy
• Mediclaim Policy
• Family Floater Mediclaim Policy
• Janata Mediclaim Policy
• Senior Citizen Mediclaim Policy
• Personal Accident Policy
• Overseas Mediclaim Policy
• Householders Policy
• Motor Policy
• Money Insurance
• Rasta Apatti Kavach (Road Safety Insurance)
• Suhana Safar Policy
• TV/VCR/VCP Insurance
• Mobile/Cellular Phone Insurance
• Other Personal Insurance
• Group Mediclaim Policy
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Commercial Insurance
• Jewellers Block Policy
• Bankers Indemnity Policy
• Shopkeepers Policy
• Marine Cargo Policy
• Plate Glass Insurance
• Special Contigency Policy
• Neon Sign Insurance
• Multi Peril Policy for L.P.G. Dealers
• Fidelity Guarantee Insurance Policy
• Marine Hull Policy
• Aviation Insurance
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Liability Insurance
• Public Liability Policy
• Products Liability Policy
• Professional Indemnity Policy
• Directors and Officers Liability Policy
• Lift (Third Party) Insurance
• Employers' Liability Policy
• Carrier's Liability Insurance
• Liability Insurance Act Policy
• Golfers Indemnity Insurance
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Industrial Insurance
• Fire Policy
• Burglary Policy
• Machinery Breakdown Policy
• Electronics Equipment Policy
• Consequential Loss Policy
• Contractors All Risk Policy
• Marine cum Erection / Storage cum Erection Policy
• Advanced Loss of Profit / Delay in Startup Policy
• Contractor Plant and Machinery Policy
• Mega Package Policies
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