NON-LIFE

• Claim Settlements
  
• Hints on Proposal Forms
  
• Legal Aspects
  
• Guide
  
   LIFE
• Claim Settlements
  
• Hints on Proposal Forms
  
• Nomination
  
• Revival of Policies
  
• Loan on Policies
  
• Lost Policies
  
• Tax Benefits
  
• Surrender Value
  
• Assignment
  
• Delayed Payment of Premiums
  

Guide

You own a house

You may need a Fire Insurance policy. Risk of fire accident may be remote, but note that Fire Insurance policy includes risks like lightning, earth quake, cyclone, flood & inundation and damage due to rioting mob, striking workers, malicious and terrorist damage, besides a host of other risks.

Contents of the house

Your house contains furniture & fittings, utensils, clothes, beds, domestic appliances (like fridge, grinder, washing machine, ovens, etc.) TV, VCR, music system, jewellry. All these assets may be covered against fire risk. The risk of loss due to burglary may be higher but unless these assets are covered against fire risk, burglary cover may not be granted

Your computer

These days, computer has become a common household item. The computer (Electronic Equipment) policy will cover all your electronic equipment along with your computer.

Health is Wealth

One can never be sure when you may require health services. Hospitalisation benefit policy is available to suit every pocket. With the policy on hand you can think of best medical services to you or members of your family.

You own a car

You have to be insured against 'Act' risks (M.V.Act). The insurance is compulsory and one should carry a certificate of insurance covering the vehicle, while using the motor vehicle. But this policy does not cover loss or damage to your own vehicle. If you are interested to cover your vehicle against loss or damage, Comprehensive policy may be opted. However, if you will be leaving the car in the garage for long periods (say while going abroad, etc.) the car can be covered against "Act" risks + Fire and/or Burglary risks instead of a Comprehensive policy, thus saving the premiums.

You are a professional

You have legal liability to your clients for any negligent acts/advices and a professional indemnity Policy would put you in comfort.

Planning to go abroad

If you are going abroad, please note that medical services are very expensive, and it is recommended that you take a policy in India paying premium in Indian currency, while your medical services availed overseas, if any, are paid for, in foreign currency

You own a Gun

You will require insurance protection not only against its loss but also your liabilities against possible misuse by unauthorised persons.

You have a pet

A pet insurance would cover death or injury to the pet, burglary of the pet and also the liability arising due to any acts of the pet.