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Complete Insurance Guide

Your Complete Insurance Guide

Everything you need to know about protecting what matters most — your family, health, assets, and business.

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Personal & Business Insurance

Browse all insurance categories. Each product explained with key benefits so you can make an informed choice.

Life Insurance

Secure your family's future with the right life cover

7 Types
Term Life Insurance
Pure protection plan

Pure protection plan that pays a lump sum to nominees if the insured passes away during the policy term. Maximum cover at the lowest possible premium.

  • High coverage at very low premium
  • Tax benefits under Section 80C
  • Complete family financial security
Whole Life Insurance
Lifelong protection + savings

Covers the insured for their entire lifetime with an additional savings component that builds cash value over time.

  • Lifelong protection guaranteed
  • Maturity benefit on survival
  • Loan facility against policy
ULIPs
Insurance + market investment

Unit Linked Insurance Plans combine life insurance with investment in market-linked funds — equity, debt, or balanced options.

  • Market-linked wealth creation
  • Flexibility to switch between funds
  • Tax benefits under 80C & 10(10D)
Endowment Plans
Life cover + savings maturity

A dual-benefit plan offering life cover during the term and a guaranteed maturity payout at the end of the policy period.

  • Guaranteed returns at maturity
  • Disciplined, forced savings habit
  • Bonus additions from insurer profits
Money Back Plans
Regular payouts + life cover

Receive a percentage of sum assured at regular intervals during the policy term, plus full cover for the life insured.

  • Periodic survival benefit payouts
  • Full sum assured to family on death
  • Ideal for goal-based planning
Child Plans
Secure your child's future

Ensures your child's education and future goals are funded even if the parent is no longer around — with premium waiver on parent's death.

  • Education and marriage funding
  • Premium waiver on parent's death
  • Future protection regardless of events
Group Life Plans
Life cover for employee groups

Provides life insurance coverage to a group of employees under a single master policy at cost-effective group rates.

  • Cost-effective group pricing
  • Boosts employee retention
  • Single master premium payment

Health Insurance

Comprehensive medical coverage for every family member

6 Types
Health Insurance
Hospitalisation cover

Covers hospitalisation expenses, surgery, ICU charges, and day-care procedures with access to 10,000+ cashless hospitals across India.

  • Cashless treatment at network hospitals
  • Pre & post hospitalisation expenses
  • No-claim bonus benefit
OPD Insurance
Outpatient coverage

Covers outpatient department expenses that regular health insurance misses — doctor visits, diagnostic tests, medicines, and specialist consultations.

  • Doctor consultation reimbursement
  • Diagnostic tests & lab work
  • Medicines and pharmacy covered
1 Crore Health Cover
Premium super top-up

Premium health plan with ₹1 Crore sum insured — ideal for super top-up coverage ensuring access to the best hospitals with no compromise.

  • Exceptionally high sum insured
  • Super top-up structure saves premium
  • Access to premium hospital network
Arogya Sanjeevani
IRDAI standard policy

The standard health policy mandated by IRDAI — affordable, simple, and accepted by all insurers. Great for first-time buyers and senior citizens.

  • Affordable standardised premium
  • Cataract treatment & AYUSH cover
  • Accepted nationwide by all insurers
Family Health Insurance
Floater policy for the family

A single policy with a shared sum insured covering the entire family — spouse, children, and parents. Cost-effective compared to individual policies for each.

  • Floater sum insured for the whole family
  • All family members covered under one plan
  • Highly cost-effective family protection
Cancer Insurance
Specialised critical illness

Dedicated cancer cover providing a lump sum payout on diagnosis across all stages — from early detection to advanced treatment support.

  • Lump sum payout on diagnosis
  • All cancer stages covered
  • Critical illness benefit included

Investment Plans

Grow your wealth while staying protected

4 Types
Investment Plans
Market-linked with protection

Market-linked investment products that grow your wealth through professionally managed funds while providing life insurance coverage.

  • Wealth creation with market upside
  • Professional fund management
  • Flexible premium payment options
Guaranteed Return Plans
Fixed assured returns

Insurance products offering fixed, pre-declared returns guaranteed at maturity — no market risk. Ideal for risk-averse investors seeking predictable outcomes.

  • 100% guaranteed maturity benefit
  • Life protection throughout tenure
  • Tax-free returns under 10(10D)
Tax Saving Investment
80C deduction + protection

Insurance products designed specifically to maximise tax savings under Section 80C while also providing meaningful life protection for the family.

  • Sec 80C deduction up to ₹1.5 lakh
  • Tax-free maturity proceeds
  • Life cover as added benefit
Smart Deposit
Short-term secure investment

Short-duration investment product with capital protection and competitive returns. Ideal for parking surplus funds securely with flexible tenure options.

  • Full capital protection guaranteed
  • Competitive risk-free returns
  • Flexible short-to-medium tenure

Motor Insurance

Drive worry-free with the right vehicle cover

5 Types
Car Insurance
Comprehensive motor cover

All-in-one comprehensive motor insurance covering own vehicle damage, third-party liability, theft, natural calamities and personal accident.

  • Own damage cover for your vehicle
  • Third party liability (mandatory by law)
  • 24/7 roadside assistance
Brand New Car Insurance
Bumper-to-bumper cover

Zero-depreciation comprehensive cover for new cars — get the full invoice value reimbursed without any depreciation deduction on parts.

  • Zero depreciation on all parts
  • Return to invoice value on total loss
  • Bumper-to-bumper protection
Two Wheeler Insurance
Bike & scooter protection

Essential and comprehensive coverage for two-wheelers — bikes, scooters, and motorcycles — covering own damage, TP liability, and personal accident.

  • Own damage cover for your bike
  • Mandatory TP cover included
  • Personal accident for rider
Taxi Insurance
Commercial taxi cover

Specially designed for taxis and cab-aggregator vehicles used for commercial purposes — covers the vehicle, driver, and passenger liability.

  • Approved for commercial passenger use
  • Driver personal accident cover
  • Passenger liability protection
Commercial Vehicle Insurance
Trucks, tempos & buses

Comprehensive insurance for commercial vehicles — trucks, tempos, goods carriers, and buses — covering vehicle, driver, and cargo protection.

  • Cargo and goods-in-transit protection
  • Driver personal accident benefit
  • RC endorsement support

Travel & Property Insurance

Protect your travels, home, and lifestyle

4 Types
Travel Insurance
Domestic & international trips

Comprehensive protection for domestic and international travel — covers medical emergencies abroad, trip cancellations, delayed flights, and lost baggage.

  • Medical emergency cover abroad
  • Baggage loss and delay cover
  • Flight delay compensation
Home Insurance
Protect your home & contents

Protects your home's structure and all household contents from fire, natural disasters, theft, and accidental damage with comprehensive cover.

  • Fire, flood & earthquake cover
  • Theft & burglary protection
  • Contents and appliances cover
Pet Insurance
Health cover for your pets

Covers veterinary expenses for your beloved pets including illnesses, surgeries, accidents, and wellness check-ups — so you never have to choose.

  • Vet consultation & treatment costs
  • Surgical procedures covered
  • Accidental injury protection
Personal Cyber Insurance
Protection against cyber fraud

Protection against online fraud, identity theft, phishing attacks, and social media hacking — essential in today's digital-first world.

  • Online banking & UPI fraud cover
  • Identity theft protection
  • Social media liability coverage

Marine & Property Insurance

Protect your business assets and goods in transit

4 Types
Marine Insurance
Goods in transit protection

Essential protection for goods being transported by sea, air, road, or rail — covers loss, theft, and damage during inland and international transit.

  • Inland and international sea transit
  • All-risk comprehensive cover
  • Storage and warehouse cover
Fire & Burglary Insurance
Property protection plan

Comprehensive protection for your business premises, stock, machinery, and contents against fire, theft, burglary, and natural calamities.

  • Building and contents fully covered
  • Business interruption benefit
  • Reinstatement value option
Shop Owner Insurance
Comprehensive shop protection

A package policy designed for retail shop owners covering stock, fire, burglary, public liability, and employee-related risks under one policy.

  • Stock and inventory protection
  • Fire, burglary and theft cover
  • Public liability for customers
Office Package Policy
All-round office protection

Comprehensive package for offices covering contents, electronic equipment, glass, public liability, and portable equipment under a single affordable policy.

  • Office contents & furniture covered
  • Electronic equipment protection
  • Third party liability for visitors

Employee Benefits Insurance

Protect and retain your valuable workforce

3 Types
Group Health Insurance
Health cover for your team

Cashless health cover for all employees under a single group policy — often includes maternity, day-one pre-existing disease cover, and family floater options.

  • Cashless treatment for all employees
  • Maternity & newborn cover
  • Pre-existing disease cover from day one
Group Personal Accident
Accident cover for the team

Provides financial protection to employees and their families in case of accidental death, permanent disability, or temporary disablement due to workplace accidents.

  • Death & permanent disability benefit
  • Hospital cash allowance
  • Worldwide accident coverage
Group Term Life
Life cover for employee group

Affordable group life insurance for employees — provides death benefit to their families, with no individual medical examinations required for most members.

  • Death benefit to employee's family
  • Premium is tax deductible for employer
  • No medical required for members

Liability Insurance

Protect your business from legal and financial claims

6 Types
Professional Indemnity — Doctors
Medical negligence cover

Protects medical professionals against claims arising from negligence, errors, or omissions in professional medical services rendered to patients.

  • Legal defence costs covered
  • Settlement and court costs
  • Reputation and career protection
Professional Indemnity — Companies
Professional error cover

Covers companies (IT, consulting, legal, CA firms) against claims arising from professional errors, omissions, or negligence in delivering services to clients.

  • Legal defence and settlements
  • Client claims and disputes
  • Regulatory investigation cover
Workmen Compensation
Employer liability for workers

Mandatory under the Workmen's Compensation Act — covers employer's liability for work-related injuries, death, or disability of employees on the job.

  • Mandatory legal compliance
  • Medical expenses for injured workers
  • Death & permanent disability benefit
General Liability
Third party injury & damage

Protects businesses from financial losses arising from third-party claims of bodily injury or property damage caused by business operations or premises.

  • Public liability for visitors and customers
  • Product liability for manufacturers
  • Business premises accident cover
Cyber Risk Insurance
Business cyber attack cover

Protects businesses against losses from cyber attacks, data breaches, ransomware, and regulatory penalties — increasingly essential in the digital age.

  • Data breach response & notification
  • Business interruption from cyberattack
  • Regulatory fines & penalties
Directors & Officers (D&O)
Management liability cover

Protects company directors and officers from personal financial loss due to claims arising from alleged wrongful acts in their management decisions.

  • Personal asset protection for directors
  • Shareholder & regulatory claims
  • Legal defence costs covered

Engineering Insurance

Specialised cover for construction and industrial projects

3 Types
Contractor All Risk (CAR)
Civil construction cover

Comprehensive cover for civil construction projects — buildings, roads, bridges — protecting against material damage, third-party liability, and workers' injuries during construction.

  • Material damage during construction
  • Third party property & injury liability
  • Workers' compensation included
Erection All Risk (EAR)
Mechanical installation cover

Covers risks during erection, installation, and testing of machinery, plant, and mechanical/electrical equipment at construction or industrial sites.

  • Machinery & equipment damage
  • Testing period cover included
  • Third party liability at site
Contractor Plant & Machinery
Equipment protection

Covers accidental damage to construction plant and machinery like JCBs, cranes, compressors, and mixers — whether owned, hired, or leased by the contractor.

  • All-risk accidental damage cover
  • Hired & leased plant covered
  • Breakdown and fire damage

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