Life Insurance
Secure your family's financial future with comprehensive life insurance plans.
- Term plans from ₹500/month
- ₹1 Crore coverage available
- Tax benefits under 80C
Health Insurance
Complete medical coverage for individuals and families with cashless facility.
- 3000+ network hospitals
- Up to ₹50L sum insured
- No claim bonus benefits
Vehicle Insurance
Comprehensive car and bike insurance with zero depreciation and add-ons.
- Third-party + Own damage
- Zero depreciation cover
- NCB up to 50% discount
Property Insurance
Protect your home and commercial property from fire, disasters, and theft.
- Fire & natural disasters
- Building + contents cover
- Theft protection included
Insurance Comparison
Compare different insurance types at a glance
| Insurance Type | Coverage | Suitable For | Key Benefits | Premium Range |
|---|---|---|---|---|
| Life Insurance | Death benefit, maturity | All earning members | Family security, savings | ₹500 - ₹5000/month |
| Health Insurance | Hospitalization, medical | Individuals, families | Cashless treatment | ₹500 - ₹3000/month |
| Vehicle Insurance | Accidents, theft, damage | All vehicle owners | Legal compliance | ₹2000 - ₹15000/year |
| Property Insurance | Fire, theft, natural disasters | Home/business owners | Asset protection | ₹1000 - ₹10000/year |
Life Insurance - Complete Guide
Life insurance provides financial security to your family in case of your untimely demise. It ensures your loved ones can maintain their standard of living, pay off debts, and achieve life goals even in your absence.
Types of Life Insurance Plans
- Term Life Insurance: Purest form with highest coverage at lowest premium. ₹1 Crore cover for ₹800-1200/month for a 30-year-old
- Endowment Plans: Combination of insurance + savings with guaranteed returns and bonuses
- Whole Life Insurance: Coverage for entire lifetime up to 100 years with cash value buildup
- ULIPs: Insurance with market-linked investment returns in equity/debt funds
- Money-Back Plans: Periodic survival benefits during policy term
How Much Life Insurance Coverage Do You Need?
Formula: (Annual Income × 10) + Outstanding Debts + Future Goals
Tax Benefits
- Section 80C: Premium paid up to ₹1.5 lakhs eligible for tax deduction
- Section 10(10D): Maturity proceeds and death benefit completely tax-free
Health Insurance - Complete Guide
Health insurance covers medical expenses from illness, accidents, or hospitalization. With healthcare costs rising 10-15% annually, a single major hospitalization can cost ₹5-25 lakhs.
Types of Health Insurance Plans
- Individual Health Insurance: Coverage for single person with sum insured ₹3 lakhs to ₹50 lakhs
- Family Floater Plans: Single policy for entire family with shared sum insured
- Senior Citizen Health Insurance: Designed for 60+ age with coverage for age-related diseases
- Critical Illness Insurance: Lump sum payout on diagnosis of critical diseases
What's Covered?
✓ Hospitalization expenses ✓ Pre & Post-hospitalization ✓ Daycare procedures ✓ Ambulance charges ✓ AYUSH treatments
Vehicle Insurance - Complete Guide
Vehicle insurance is mandatory by law. Driving without insurance attracts fine up to ₹2,000 and imprisonment up to 3 months.
Types of Vehicle Insurance
- Third-Party Insurance: Covers damage/injury to third party (mandatory by law)
- Comprehensive Insurance: Third-party + Own vehicle damage coverage
Important Add-On Covers
Zero Depreciation: Full claim without depreciation (+15-20% premium) | Engine Protection: Water damage coverage (+2-3% premium)
Property Insurance - Complete Guide
Property insurance protects your home and commercial property from fire, natural disasters, theft, and other perils.
Types of Property Insurance
- Home Insurance: Residential property structure + contents coverage
- Fire Insurance: Commercial properties (shops, offices, factories)
What's Covered?
Building structure, contents, fire & explosion, natural disasters, water damage, riots, theft & burglary