Protect What You Own & What You Love
General insurance protects you from the financial impact of unexpected events in day-to-day life — a hospitalisation, a car accident, a theft at home, a travel emergency or damage to your business assets. Instead of paying these costs fully from your pocket, your policy absorbs the shock.
It converts unpredictable risks into manageable, pre-planned expenses through an annual premium. This means you can focus on health, work and family, while your cover takes care of sudden large bills, repairs and legal liabilities.
“You cannot control accidents or illnesses — but you can control how prepared you are when they happen.”
Shield from big bills
Hospitalisation, surgeries or road accidents can run into lakhs — insurance helps you manage that risk.
Protect assets
Safeguard your car, bike, home and business property against damage, theft, fire and natural calamities.
Legal & third-party cover
Motor and other liability covers protect you against claims from third parties for injury or damage.
Peace of mind
Sleep better knowing that one unexpected event will not derail your finances or savings.
General insurance is designed to cover risks to assets, health, and liability. Each policy type focuses on a specific area of your life or business, so we combine them smartly depending on your needs.
Broadly, it can cover:
Health & medical costs — Hospital bills, surgeries, day-care procedures, pre and post-hospitalisation, and in many cases cashless treatment at network hospitals.
Motor & vehicle damage — Own damage to your car or bike from accidents, fire, theft, natural calamities, and mandatory third-party liability cover.
Home & contents — Protection for your building structure and household contents against fire, theft, floods, and other insured perils.
Travel & baggage — Trip cancellation, delays, lost baggage, passport loss, and emergency medical assistance abroad.
Business & commercial risks — Shop, office, factory, stock, machinery, and liability covers for enterprises.
Health Insurance — Covers hospitalisation, surgeries and medical treatments. Can be individual, family floater or senior citizen specific. Add-ons can enhance room rent limits, maternity cover, OPD and more.
Motor Insurance (Car & Two-Wheeler) — Mandatory third-party cover as per law, with optional comprehensive cover for your own vehicle damage, accessories, zero depreciation, engine protection, etc.
Personal Accident Insurance — Provides financial support in case of accidental death or disability, offering lump-sum payouts that can support the family and replace income.
Home & Household Insurance — Protects building structure and contents against fire, burglary, riots, earthquakes and other specified risks; helps you rebuild or replace assets without exhausting savings.
Travel Insurance — Essential for international travel; covers trip delays, lost baggage, passport loss, medical emergencies and evacuation costs, depending on the plan.
Commercial / Business Insurance — Shopkeeper’s policy, office package, fire insurance, marine cargo, liability insurance and more tailored for businesses and professionals.
A well-structured general insurance portfolio does more than just reimburse bills — it strengthens your overall financial plan.
Protects savings: Instead of using hard-earned savings or breaking investments, claims cover major expenses like hospitalisation, car repair or home damage.
Ensures continuity of lifestyle: You can repair, rebuild or replace assets quickly and get back to normal life with minimal disruption.
Legal & regulatory compliance: Motor insurance and some liability covers ensure you are compliant with legal requirements and protected against third-party claims.
Access to quality services: Health insurance often provides access to a wide network of hospitals, cashless treatment and better medical facilities.
Mental comfort: Knowing that you are covered allows you to focus on recovery and solutions rather than worrying about “how will we pay for this?”
For most families, general insurance is the first line of defence — it prevents temporary setbacks from turning into long-term financial damage.
Medical inflation, rising repair costs and unpredictable natural events have made general insurance a necessity, not a luxury. A single hospitalisation or serious accident can wipe out years of savings if you are uninsured.
With the right coverage in place, you can continue long-term plans — education, home purchase, retirement — without diverting funds to handle emergencies. It supports both personal financial security and business continuity.
For businesses, general insurance is often a requirement for bank loans, vendor contracts and regulatory approvals. For families, it protects dignity and independence in tough times.
The right general insurance portfolio is customised — not copied from a friend or a standard brochure. It must reflect your city, lifestyle, dependents, work profile and budget.
Step 1 — Map your risks: List what needs protection: health, vehicles, home, business, travel frequency. Note approximate costs if something goes wrong.
Step 2 — Prioritise essentials: Typically, health + motor insurance are non-negotiable. Next, consider home, personal accident and travel based on your situation.
Step 3 — Check coverage details: Look beyond premium — check room rent limits, sub-limits, deductibles, IDV in motor insurance, exclusions and claim process quality.
Step 4 — Use add-ons wisely: Add features like no-claim bonus protection, zero depreciation, consumables cover, restoration of sum insured etc., where they truly add value.
Step 5 — Review yearly: As income, assets and family size grow, your cover should also be upgraded. Renew on time and revisit coverage at major life events.
Right cover, right limits, right insurer — and an advisor who explains everything clearly — that’s the ideal combination.
