• Safe guard family from Financial crisis.
• Low Cost.
• Maximize insurance cover.

“Start early, Pay less Premium”
It is advisable for bread-earner to have a adequate Term Plan since family members are financially dependent on him.

Why we recommend Term Plan?

• We recommend term plan over endowment as we believe that insurance is for risk coverage and not an investment instrument.
• Term plan covers maximum risk at lower costs. It is as low as 7% cost of traditional plan.
• We advise to take sufficient insurance coverage for the family financial security. And prefer investment instruments seaprately like Mutual Funds, NCDs, Fixed Deposits that generates substantially higher return as compared to return promised under endowment policies.

• Medical emergency can occur to anyone irrespective of his/her age thereby it becomes imperative to cover not only for the earning member but the entire family as a whole to protect against any major medical emergencies.
• This cover could be the cheapest among all Insurance, cost can be reduced further, if opted right policy
• Getting health insurance is smart move mainly due to lifestyle, poor eating habits, long working hours, work related stress, pollution etc. are taking toll on people’s health right from the early age.
• As per the studies conducted that person have to spent on an average 50% of its saving for medical expenses which is one of the highest in the world.
• The medical treatment cost is increasing by more than 25% every year or medical cost is becoming more and more unaffordable.

Benefits covered during Hospitalization

• Deluxe AC room
• Nursing charges
• I.C.U charges
• Surgeon fees, Consultant fees, Anesthetist fees
• Cost of blood, oxygen, diagnostic expenses,artificial limb
• Cost of Medicine and drug
• Organ donor
• Ambulance charges
• Day care cover
• Cover for ayurvedic treatment

• Fixed Benefit Plan.
• Get full sum assured on detection on Critical illness.
• C.I is not substitute but supplement to Medi-claim

• Critical illness is a fixed benefit plan, which assures lump sum amount to insured on detection of illness notified in policy terms. Unlike mediclaim, which provides for reimbursement of medical expenses, critical illness provides upfront amount (to the extent of assured amount) irrespective of actual treatment expenses. Such sizable amount if invested properly can support the insured and his family against loss of pays due to prolonged treatment and can be sufficient financial support in crucial time.
• Almost 20 critical illness are covered under the policy like cancer, bye pass, first heart attack, stroke, open heart valve replacement, paralysis, coma, kidney failure, major organ transplant, major burns, loss of speech, deafness.
• Since hospitalization and medical expenses are covered and reimbursed by medical plan, whereas upfront receipt of sum assured assures losses of pay, pay off debt, meeting out regularly obligations which ensures sufficient financial support in crucial times.

"Always Protect Your Home Sweet Home”

Car insurance provides risk cover for structure of house, compound ware, wiring sanitation etc. It is also covers peril due to explosion of gas and domestic appliance, flood & cyclone, burglary & house breaking, earth quake, storm, theft, all risk of jewelry & valuable against loss of damage by accident.

It is important to protect your precious car from financial risk with comprehensive car insurance at affordable cost.

Comprehensive Car Insurance covers

• Break down/ damage to car.
• Third party liability
• Depreciation waiver (Since some component gets partial waiver)
• Personal accidents cover for owner, driver & passenger.
• Cover for personal luggage & belongings