Policy covers

Fire and Special Perils - Covers buildings, office equipment, electronic equipment, furniture, fixtures, fittings and any other specified content against fire & special perils, earthquakes and terrorism. (if opted)

Burglary

Covers office equipment, electronic equipment, furniture/fixtures/fittings and any other specified content against burglary on a coverage of 50 % first loss basis.

Money

Covers robbery and burglary of cash while in transit to/from the Bank or while it is kept overnight in a safe at the insured premises.

Additional cover: Personal assault for cash carrying employees

Fidelity guarantee

Covers loss of money or goods caused by fraud or dishonesty of specified employees

Public Liability

Covers your liability to pay compensation, including costs and expenses incurred on account of legal liability arising out of accidental injury and / or property damage to third parties in your insured premises.

If your business needs wider coverage we also offer a range of segment-specific comprehensive package policies to choose from. Please contact our office or ask the sales representative for more information.

Family Health Floater

Family Health Floater is a comprehensive health insurance for you and your loved ones (spouse, dependent children and dependent parents). The members enrolled under this plan must be between 91 days to 65 years. Dependent children should be between 91 days to 21 years. However renewal is accepted upto 21 years for dependent children and upto 70 years for others. This plan covers the expenses incurred towards in-patient hospitalisation for a period more than 24hrs, for the illness/diseases contracted or injury sustained by the insured person during the period of insurance.

Key Features

The key features of the plan are as under:

• One sum insured covering all family members
• No medical examination required for enrolment for persons up to completed age of 50 years.
• Cashless hospitalisation through more than 3000 network hospitals across India
• 30 days pre-hospitalisation and 60 days post-hospitalisation expenses
• Cumulative Bonus - Sum insured under the policy shall be progressively increased by 5% for every claim free year of insurance, subject to a maximum of 50%.
• Coverage for pre-existing diseases after 48 months of continuous insurance under this policy
• Income tax benefit under Sec (80 D) of the Income Tax Act
• Easy documentation and hassle-free claim settlement

Special Features

• Day care treatments - pays for the day care procedures which don't require 24 hours of hospitalisation due to advancement in technology
• Pre & post-hospitalisation expenses for 30 days and 60 days respectively will be reimbursed
• Reimbursement of ambulance expenses upto Rs. 1000 per hospitalisation
• Floater Advantage - The floater plan provides the advantage of the total sum insured floating between the members covered. Every member covered under this plan will be able to use the sum insured. Unlike the individual plan, the floater plan is cheaper and convenient for the whole family
• Master Health Check up - You can get a reimbursement of upto Rs.1500/- per insured person towards cost of master health check up after every four consecutive claim free years of policy