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Insurance

Having enough life insurance is just as important
The loss of a loved one is an emotional and traumatic experience for any family. But not having enough money to meet immediate and ongoing living expenses, can make a very difficult situation even worse. Not only are the people you love grieving your loss, but they'll now have added financial stresses to cope with. Depending on their current financial resources and ability to get back on their feet both emotionally and financially, your loved ones could be forced to move to a less expensive home or community, forego education and career plans, and cut back on their quality of life. They may be even forced to take out loans to pay for your funeral and burial costs, as well as any outstanding medical or tax bills.

If you're wondering why life insurance is important, stop to consider the potentially devastating consequences of not having coverage to financially protect the people that you love.

Term Insurance?


What is term insurance?
Term insurance can be defined as a type of insurance that is availed for a certain period of time or a fixed term (number of years). The basic differentiating feature of term insurance is that unlike other types of life insurance policies, a term insurance policy is less expensive since it does not have any cash value. The policy comes useful only if the policyholder dies within the timeframe during which the term insurance policy is in force.

Top reasons why HEALTH INSURANCE is ideal for you


With Health Total, we can give you a comprehensive cover, a near –perfect answer to all your medical needs.

Hospitalisation Medical Expenses

Day Care Treatment Expenses

Pre-Hospitalisation Medical Expenses

Post-Hospitalisation Medical Expenses

Restoration of Sum Insured

Maternity Expenses

Organ Donor Expenses

Patient Care

Accident Hospitalisation (Increase in Sum Insured)

Accompanying Person

Road Ambulance Charges

Emergency Medical Evacuation (Applicable for Superior and Premiere Plan)

Domiciliary Hospitalisation Expenses

Out-Patient Medical Expenses (Applicable for Superior Plan and Premiere Plan only)

Child Vaccination Benefits (Applicable for Premiere Plan)

New Born Baby (Applicable for Superior and Premiere Plan)

E-opinion in respect of an illness or injury

Alternative Treatment Cover

Medical Treatment Abroad (Applicable for Premiere Plan)

Wellness Care

Cumulative Bonus

Top reasons why CRITICAL ILLNESS PLAN is ideal for you


Floater Benefit
Under a single sum insured, cover yourself and your Family (family means Self, Spouse, up to 2 dependent children until 25 years and your 2 dependent parents).)


Lump Sum Benefit
Get a lump sum benefit upon diagnosis of a critical illness or condition to get the necessary treatment
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Quick Turnaround Time
Our average turnaround time for claims settlement is within 14 working days (Subject to all required information/documentation being submitted)
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12 Illnesses Covered With Tax Benefits
Get Insured against 12 critical illnesses. The premium paid is exempt under section 80 D of the Income Tax Act.
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Free Look Period
If you are not satisfied with the coverage, and terms and conditions of the policy, you can opt for cancellation of the policy within 15 days from the date of receipt of the policy documents, provided there has been no claim and you shall be entitled to a refund as per the policy terms and conditions.
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30 Days for Renewal
From the expiry date of the policy, you get 30 days grace period for renewal.
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Top reasons why HEALTH INSURANCE TOP UP PLAN is ideal for you

Flexible
Opt for this policy even if you don't have a Mediclaim policy. Up to the deductible limit, the expenses will be borne by you.

Floater Benefit
Under a single sum insured, cover yourself and your Family (family means Self, Spouse and up to 2 dependent children until 25 years).

Quick Turnaround Time
Our average turnaround time is 90 minutes for cashless claims and you get Reimbursement Claims settlement within 14 working days (Subject to all required information/documentation being submitted).

Portability
Port your existing policy with us to avail of benefits and services. Portability is as per the Portability guidelines of IRDAI.

Free Look Period
If you are not satisfied with the coverage, and terms and conditions of the policy, you can opt for cancellation of the policy within 15 days from the date of receipt of the policy documents, provided there has been no claim and you shall be entitled to a refund as per the policy terms and conditions.

30 Days for Renewal
From the expiry date of the policy, you get 30 days grace period for renewal.

Personal Accident


Top reasons why this plan is ideal for you

Worldwide Cover:
You or your family get a worldwide cover, 24/7

Flexibility:
Very Flexible and you can cover your spouse and children also.

No Medical Examination

Quick Turnaround Time
Our average turnaround time for claims settlement is within 30 working days (Subject to all required information/documentation being submitted).

Portability
Port your existing policy with us to avail of benefits and services. Portability is as per the Portability guidelines of IRDAI.

30 Days for Renewal
From the expiry date of the policy, you get 30 days grace period for renewal.

Additional Coverages
Various additional coverages like – Child Education Support, Life Support Benefit, Accidental Medical Expenses, Accidental Hospitalization, Hospital Cash Allowance, Loan Protector, Adaptation Allowance, Family Transportation Allowance, Broken Bones, Road Ambulance Cover, Air Ambulance Cover, Adventure Sports Benefit, Chauffeur Plan Benefit are available under single product.

Free Look Period
If you are not satisfied with the coverage, and terms and conditions of the policy, you can opt for cancellation of the policy within 15 days from the date of receipt of the policy documents, provided there has been no claim and you shall be entitled to a refund as per the policy terms and conditions.

Top reasons why CAR INSURANCE is ideal for you


Bonus and Discounts

No Claim Bonus
Did not make a claim during the policy period? When renewing the policy within 90 days of the expiry date, you will be offered a No Claim Bonus (NCB) with discounts up to 50%.

Transfer of NCB
You can transfer full benefits of No Claim Bonus when you shift your car insurance policy to another Insurance company.

Voluntary Excess Discount
You have the choice of opting for a Voluntary Excess over and above the Compulsory Excess. This will entitle you to a discount according to the amount opted.

Automobile Association
If you are a member of a recognized Automobile Association in India, get additional discounts.

Anti-theft Devices
If your car has an ARAI approved anti-theft device fitted, get additional discounts.

Home Insurence


Top reasons why this is ideal for you


Protection under a single policy
Complete protection for property, contents, along with the interests of yourself and your family members under a single policy.

Affordable premium
Affordable and attractive premium rates.

In-house claims unit
State of the art, In-house claims servicing unit for hassle-free claims process.

All-inclusive Home Insurance
All Risk Insurance for jewellery, ornaments or high value items. Portable equipments such as laptops are also covered.

Overseas Travel


Top reasons why this plan is ideal for you


Global Protection
Complete protection when abroad with 24x7 toll - free assistance

Comprehensive Coverage
Coverage for medical expenses, baggage delay/loss, loss of passport and more.

`Customised Plans
Specially designed plans for travel to Asian countries (excluding Korea and Japan) and European Countries on Schengen Visa.

Floater Benefits
We provide you floater benefits which means you can cover yourself and your family with a single sum insured - applicable only for Asia and Schengen travels.

Benefits for senior citizens
Specially designed plan for senior citizens (i.e. 71-80 years of age).

Worldwide Assistance
Worldwide Service Provider and Hospital Network

24X7 Assistance
24X7 toll-free assistance when abroad.

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