Remember, only do business with a licensed and well-reviewed insurance agent or company. Once you have an insurance agent or company who you feel confident doing business with:
• Decide how much coverage you need, for how long, and what you can afford to pay.
• Learn what kinds of policies will provide what you need and pick the one that is best for you.
• Do not sign an application until you review it carefully to be sure the answers are complete and accurate.
• Do not buy life insurance unless you intend to stick with your plan. It may be very costly if you quit during the early years of the policy.
• Be sure to review your contract and understand exactly what is or isn’t covered.
• When you buy a policy, make the check payable to the company, not the agent.

General Insurance is essentially Non-Life Insurance. It offers protective coverage for assets other than life. Depending on the kind of asset insured, there are different kinds of General Insurance, such as:
• Health Insurance, which insures the health of the policyholder
• Home Insurance, which covers residential properties
• Vehicle Insurance, which covers automobiles, cars, and other kinds of vehicles, depending on the specific terms of the policy
• Travel Insurance, which insures the policyholder against several mishaps/accidents that could occur during travel

Health Insurance Plans offer a cover that helps you meet the costs of medical emergencies. Since such medical emergencies can occur at any point in life, it is always a good idea to invest in Health Insurance policies as early as possible. Ideally, it’s a good idea to purchase a Health Insurance plan when you’ve landed your first steady job. That way, you can promptly pay your premiums when they are due, and you can enjoy the benefits of a medical cover too.

What does Travel insurance covers? Travel Insurance covers a host of insurable incidents. The exact roster of instances varies from one plan to the next. But broadly speaking, here’s what you can expect a Travel Insurance plan to cover as per the following:
Section 1: Cancellation or curtailment charges

• Trip Cancellation &/or Curtailment

• Emergency Medical Expenses with below sub limits:
  • Repatriation of Remains
  • Dental
  • Evacuation in case of medical emergency/ Repatriation
  • Accommodation expenses of close relatives or travelling companions (in case of hospitalization over 48 hours)
  • Transportation & accommodation expenses in case you are hospitalized for more than 5 days
  • Expenses in case of minor child left alone
  • Accommodation costs related to COVID-19 quarantine: if diagnosed
  • Funeral Expenses

• Loss of travel documents

• Delayed Personal Possessions

• Personal Possessions (including Luggage)
• Valuables (including laptop)

• Delayed Departure

• Credit Card Fraud

• General information services
• Urgent Message relay
• Indication for Local Medical Specialist

• Death (including common carrier)
• Permanent loss of sight or limb
• Permanent total disablement
• Personal Liability
• Trip Cancellation &/or Curtailment

• Emergency Medical Expenses with below sub limits:
• Repatriation of Remains
• Dental
• Evacuation in case of medical emergency/ Repatriation
• Accommodation expenses of close relatives or travelling companions (in case of hospitalization over 48 hours)
• Transportation & accommodation expenses in case you are hospitalized for more than 5 days
• Expenses in case of minor child left alone
• Accommodation costs related to COVID-19 quarantine: if diagnosed with COVID-19
• Funeral Expenses
• Valuables (including laptop)

• Loss of travel documents

• Delayed Personal Possessions

• Personal Possessions (including Luggage)

• Delayed Departure

• Personal Money
• 10% of amount claimed

MOTOR

a. Compensatory b. Third party Liability c. Motor all risk

1. Step one : Once the accident happens, the insured has to immediately call the expert of accidents as per the list of the policy.  it is a must step in order to legalise your accident as per the terms & conditions of the policy 2. The next step, is to inform the insurance company about this car accident by email of phone call written on the policy

1. Step one : Once accident happens, the injured person has to be transported directly to the nearest hospital along with his claim declaration form 2. Step two : the forms of accidents have to be filles & signed by the owner of the company along with the official papers of the insured 3. the third step, we have to inform the insurance company about this accident

1. Step one : Once fire happens, we have to call the firefighter & the civil defence. 2. The second step we have to contact the insurance company as per the tel# written on the policy

1. Step two: Once theft happens, we have to call the police to inform about theft incident 2. The second step we have to contact the insurance company as per the tel# written on the policy

1. Step one : Once expatriates have an accident, the insured has to have the medical card in order to be admitted to the emergency of the hospital 2. The second step we have to contact the insurance company as per the tel# written on the policy

Once accident happens ,we have to Inform the insurance company immediately

once medical accident happens the insured have to to go to the emergency at the nearest hospital along with his card & personal ID

in case of any issue the insured has to call the Third party administrator TPA located on the back of the card along with his medical report

Insurance is really about protecting the things important to your life, both personal and business, against the unexpected. So, anytime you have significant events or changes in your life, it's time to think about your reviewing and updating your coverage

We'll certainly do more than just sell you an insurance plan. We'll advise you on how to use insurance wisely to meet your financial and business goals. We begin by sitting together and looking at how your business approaches and manages risk, then we'll develop a risk management plan just for your business.