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Other Insurance

A. Travel insurance

When you are making your vacation plans do not forget one vital aspect! Travel insurance is today the need of the hour. Whether you travel international or within the country, out of home signify FOREIGN GROUND. So, keep yourself, your family, and your luggage protected against any eventuality.

Travel insurance includes Domestic Insurance, International Insurance, Student Insurance, Senior Citizen Insurance, and Family Insurance.

Key features include:

  • Cover for trip cancellation, delays
  • Cover four lost, delayed luggage or passport
  • Out/in patient hospitalization coverage
  • Contingency cover for personal possessions
  • Accident cover against death/permanent disability

However, there are certain exclusions to travel insurance too that you should know about. Insurers don\'t cover you against missed or delayed flights during riots, war conditions, or natural disasters. Also, you won\'t get any compensation for hospitalization related to pre-existing diseases.

B. Corporate Insurance

Insecurity, risk, and uncertainty are incidental in Corporate Sector. So, the best you can do for your organization and the employees is to avail the facility of corporate insurance. These are ideal for SMEs, Big Enterprises, and Medium Range Companies. Different types include,

  • Asset & Property Insurance: Fire Insurance, Shop Owner\'s Plan, Office Package, & Burglary Insurance
  • Group Health & Accident Insurance: Health Insurance, Travel Insurance, Accident Insurance, & Life Insurance
  • Employee Benefits: Group Gratuity Plans, Key Man Plans, & Group Term Plans
  • Others: Marine Insurance, Liability Insurance, Officers And Directors Liability Insurance, & Professional Indemnity

Benefits associated with corporate are the following,

  • Remain protected against unforeseen loss
  • Diffuse risk by spreading amidst all
  • Risk transfer to insurer improves credit standing
  • Optimally use and invest capital with insurance to take care of emergencies

C. Home Insurance

Secure your property from natural and man-made calamity with a sturdy HOME INSURANCE.

Such policies give protection against,

  • Damage by man-made or natural agents
  • Burglary or breakage in house
  • Damage & break down of gadgets or appliances
  • Loss of baggage during travel
  • Robbery or theft of valuables
  • Injury, permanent disability, or death
  • Damage through acts of terrorism
  • Public liability
  • Injury/death of workers
  • Post rental damage
  • Rent loss through damage

Coverage amounts generally depend on the reinstatement value of your property or on the current value in the market. However, when buying a home insurance you should also know about the related exclusions. Such plans do not cover damage due to nuclear explosion, radioactive contamination, invasion, military activity, or acts of war.

Not sure, which is the best cover or insurer for your needs? Why don\'t you contact us at 1-800-103-3999P or write to us at enquiry@policybazaar.com.

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Frequently Ask Question

Why do I need to buy a Home Insurance?

Ans:

Disasters are unwelcome guests who don't knock twice before intruding in your home, sweet home. It is always good to be prepared beforehand.

Moreover, when you apply for a loan against property, the financer always prefers that the property is insured against potential loss or damage. Getting a home insurance plan will help you ease out the approval of such loans.

How is inflation factored in Home Insurance?

Ans:

Customers can opt for plans in which the sum assured is increased by a certain percentage every year. A few insurers offer this plan; with a nominal add on premium.

What contents should I ideally get covered in my policy?

Ans:

You should get coverage on the following contents:

  • Expensive belongings
  • Electronic goods such as laptops, televisions, etc.
  • Precious goods like gemstones, jewelry, etc.
  • Appliances such as washing machine, refrigerator, kitchen appliances
  • Furniture
  • Furnishing Items

What are the common exclusions in a Home Insurance?

Ans:

Exclusions in the structure - Property under construction, residential property used for official/business purposes and kachcha construction

Exclusions in the contents - Books, manuscripts, money, bonds, shares, securities, consumables, vehicles, etc.

Why do I need travel insurance?

Ans:

There is nothing more satisfying than exploring the world. But to step in unknown territories is quite challenging too. Buying travel insurance protects you against unfortunate eventualities such as cancellation of flight, loss of wallet, accidents and thus makes sure that your trip stands safe and hassle-free.

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