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Health Insurance

In case of a medical emergency, having a health insurance policy ensures peace of mind in a way that you

Home Protection

Home Policy is a package policy specially designed to meet the insurance requirements of a householder.

Motor Insurance

Motor insurance is the insurance of your private car, two wheeler & other commercial, non-commercial vehicle.

Term Life Insurance

Term Insurance is a pure protection life insurance policy.it provides coverage for specific time/Period (No of years).

Shopkeepers package

ShopKeepers policy is a package policy (combination of multiple insurance covers in a single policy) specially designed for retail shop keepers.

Overseas Travel Insurance

An overseas travel policy covers you for all eventualities during a business or a Leisure trip worldwide.

Key Benefits of Insurance

Insurance Planning is one of the most important aspects of financial planning. It is a Financial Risk management tool which guards us against the uncertainties attached with our lives.

Why Do we need Insurance ?

Untimely Death of a Loved One.

An Unexpected Illness or Injury.

Maintaining a steady standard of living.

Planning for Life Stage needs like Retirement & Education.

Protection of the Assets Built over a lifetime of Hard work.

Protection against natural and man-made perils.

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Health Insurance

In case of a medical emergency, havinga health insurance policy ensures peace of mind in a way that you and your family will receive the best treatment at a hospital of your choice. It is always advisable to buy a Stand-alone Health Insurance policy as soon as possible. The earlier the better.

A Health policy will cover you and your family against medical expenses such as hospitalization, doctor's consultation, diagnostic tests, medicines, ambulance etc. As per the policy terms & conditions

Entry Age: 90 days up to 80 years.

Family Floater A Family floater is a policy which covers more than one family member for a fixed sum assured.

Individual An Individual Health Policy is a policy where each of the insured members is entitled to a separate sum assured.

Generally Health policies trigger only after 24hours of continuous hospitalization, however, now a days many insurance companies also offer cover for more than 150 specified day care procedures.

Some of the day-care procedures generally covered are Coronary angiography (CAG), CoronaryAngioplasty (PTCA), Operation of Cataract.

Jewellers Block Policy

Jewellers Block Policyis a package policy (combination of multiple insurance covers ina single policy) specially designed for jewellers & diamond merchants.

Basically this policy covers loss or damage to jewellery, gold and silver ornaments or articles, pearls, precious stones, cash and currency notes whilst contained in the premises insured or in the custody of owner, employees, directors, sorters of diamonds brokers, agents, cutters and goldsmiths.

Since this is a Package policy the insurance cover is divided into various sections. Separate Sum assured needs to be mentioned for different sections.

Section I : Loss Due to Fire ,Burglary, Shoplifting, out of safe& Terrorism

Covers loss or damage to jewellery , gold and silver ornaments or plates , pearls, precious stones, cash and currency notes whilst contained in the premises insured, by fire,explosion, lightning,burglary,house breaking, theft, hold up, robbery, riot, strike and malicious damage and terrorism.

Section II : Loss While in Custody of Insured/Others:

Covers loss or damage to jewellery, gold etc. as described in Section I whilst it is in the custody of the insured, his/her partners, employees, directors, sorters of diamonds or whilst such property (excluding cash and currency notes) is in the custody of brokers, agents, cutters and goldsmiths.

Section III : Loss During Transit (excluding cash & Currency notes)

Covers loss or damage to property described in Section I whilst in transit by registered parcel post, air freight or through angadia.

Section IV : Damage to Furniture Fixtures ,Electronic & Other Equipment

Covers loss or damage to trade and office furniture and fixtures in insured premises due to fire,explosion, lightning,burglary,house breaking, theft, hold up, robbery, riot, strike and malicious damage and terrorism.

Section V : Money Insurance

This Section Covers for loss of Cash & Currency notes in Direct Transit, Between Collector/Payment centre &Bank,in Locked Safe/Almirah/Cash box outside premises during business Hours.

Section VI: Personal Accident Insurance

This Section covers the insured, Employees & others against bodily injury or death caused due to an accident.

Inventory loss
Damage to property at public exhibition
Theft or disappearance of property
Depreciation, gradual, detoriation , wear and tear, moth, vermin, mildew.
Damage by theft or attempted theft committed by family members, employee, custodians.
Damage following the use of key to safe or any duplicate key.
Damage to property insured whilst in window display.
Damage to property whilst worn or used.
Damage to property while it is being worked upon.