Here is the Products available from National Insurance Company Ltd.

• Motor Policy Two Wheeler: Policy indemnifies bona fide owner of Two wheeler, used for personal purposes against the loss due to damage / theft / burglary of vehicle or any part there of, electrical accessories and also includes cover against liability towards third party personal injury and property damage.
• Householders Policy : Policy covers risks of different types and protects the house as well as personal effects and household goods.
• Personal Accident Policy: Policy compensates individuals against accidental injuries resulting in disability or death.
• Critical Illness Policy: Policy provides exclusive benefit to individuals in the age group 20-65 years who are unexpectedly diagnosed for treatment of critical ailments like Coronary Artery Surgery, Cancer, Renal Failure, Major Organ Transplant, Stroke or Multiple Sclerosis.
• NRI Accident Policy : Policy covers Non-Resident Indians and family against loss arising from accidental injuries including death.
• Amartya Siksha Yojana Policy: Policy covers cost of education of a student/students in the age group of 4 to 25 years in the event of death of Parent/Guardian thus providing for continuation of studies.
• Rajrajeshwari Mahila Kalyan Yojana Policy: Specially designed to protect the welfare of women mainly in rural and semi-urban areas.
• Bhagyashree Child Welfare Policy:  Policy provides protection to the girl child in the event of death of either or both the parents.
• Traffic Accident Policy: Policy provides hospitalization expenses up to Rs. 1 lac and Personal Accident Benefits up to Rs. 1 lac in case of road/rail accidents resulting in injuries/death.
• Niwas Yojana Policy: Policy insures repayment of housing loan in case of accidental death/Permanent Total Disablement of loanee and also covers residential building and the owners permanent fixture and fittings against Fire and allied perils including Flood, Storm, Earthquake etc.
• Baggage Policy: Policy indemnifies individual or a party against loss/damage to personal effects such as clothing etc carried as baggage during travel.
• Mediclaim Policy:  Provides protection to individuals, families, employers, employees and welfare bodies against heavy financial burden for treatment in hospitals for illness, disease or accident, whether involving surgery or not.
• Motor Policy – Private Car: Policy indemnifies bona fide owner of Motor Car, used for personal purposes against the loss due to damage / theft / burglary of vehicle or any part there of, electrical accessories and also includes cover against liability towards third party personal injury and property damage.
• Professional Indemnity for Doctors:  Policy covers liability on account of errors and omission of doctors while rendering professional services.
• Star National Swasthya Bima Policy: Star National Swasthya Bima policy is a unique Health Policy designed especially for the Account holders of Bank of India. The entire family consisting of the account holder, spouse and two dependent children upto the age of 21 years can be covered under this policy. This policy covers Hospitalization expenses for account holder and family. In case of hospitalization Expenses, the entire family is covered for the Floater Sum Insured as opted for, i.e., either one or all members of the family, as stated above, can utilize the Sum Insured during the policy period.
• PARIVAR – Mediclaim for Family: This is a Family Floater Health Insurance Policy wherein entire family will be covered under single Sum Insured. The Policy covers reimbursement of Hospitalization expenses for illness/diseases contracted or injury sustained by the Insured Person. In the event of any claim becoming admissible under the policy, the Company either pay directly to the insured if TPA service is not availed by the insured or pay to the Hospital/Nursing Home through TPA the amount of such expenses subject to limits as would fall under different heads mentioned below, as are reasonably and necessarily incurred in respect thereof anywhere in India by or on behalf of such Insured Person but not exceeding Sum Insured (all claims in aggregate) for that family as stated in the Schedule in any one period of insurance.
• VIDYARTHI-Mediclaim for Students : VIDYARTHI-Mediclaim for Students is a unique policy designed to provide Health and Personal accident cover to the students. It also provides for continuation of insured students education in case of death or permanent total disablement of the guardian due to accident.
• UCO Medi + Care Bima Policy: Uco Medi+ Care Bima is a unique Health cum Accident Policy designed especially for the a/c holders of Uco Bank. The entire family consisting of the a/c holder, spouse and 2 dependent children and two dependant parents can be covered under this policy.
• VARISTHA Mediclaim for Senior Citizens : This policy has been designed to cater to the needs of our Senior Citizens. It covers Hospitalization and Domiciliary Hospitalization Expenses under Section I as well as expenses for treatment of Critical Illnesses, if opted for, under Section II. Diseases covered under Critical Illnesses are as under: • Coronary Artery Surgery • Cancer • Renal Failure i.e. Failure for both kidneys • Stroke • Multiple Sclerosis • Major Organ Transplants like kidney, Lung, Pancreas or Bone marrow • Paralysis and blindness at extra premium
• BOI National Swasthya Bima:  BOI National Swasthya Bima policy is a unique Health Policy designed especially for the Account holders of Bank of India. The entire family consisting of the account holder, spouse and two dependent children upto the age of 21 years can be covered under this policy. This policy covers Hospitalization expenses for account holder and family. In case of Hospitalization Expenses, the entire family is covered for the Floater Sum Insured as opted for, i.e., either one or all members of the family, as stated above, can utilize the Sum Insured during the policy period.
• Overseas Mediclaim: Overseas Mediclaim policy covers Medical Expenses whilst traveling abroad for business/holiday. The policy will be valid only if the insured journey commences within 14 days of the first day of insurance as indicated in the policy schedule.
• Baroda Health Policy: Baroda Health policy is a unique Health cum Accident Policy designed especially for the a/c holders of Bank of Baroda. The entire family consisting of the a/c holder, spouse and 2 dependent children can be covered under this policy. This policy covers Hospitalization expenses for a/c. holder and family. In case of Hospitalization Expenses, the entire family is covered for the Floater Sum Insured as opted for, i.e., either one or all members of the family can utilize the Sum Insured during the policy period. 

Why should I take Individual health plan or a Family Floater plan if I already have health insurance from my employer?
You are covered with the health insurance policy as long as you are in the employer’s services. If tomorrow, you change your job, then you and your family will be barred of any medical emergency arises when you have not arranged for an alternative health insurance policy. It is at this point of time that an Individual or Family Floater Health Insurance policy will come to your rescue.

For any kind of querry on Health insurance Policy feel free to contact us for comparision with others. U may purchase a policies for you, your family or for your parents.

United India has had a customer base in all sectors of the society from business conglomerates to government undertakings and individuals as well. They have trusted and impressive clients like ONGC ltd., GMR- Hyderabad International Airport Ltd., Mumbai International Airport ltd, Tirumala- Tirupati Devashtanam etc. On the other hand, they have a huge number of customers in rural areas as well. Some of their policies are Tsunami Jan Bima Yojana, National Livestock Insurance, Vijaya Raji Janani Kalyan Yojana and so on.

United India has an experience of more than 30 years in the non life insurance business. Presently, it is formed by the merger of 22 companies after nationalization of general insurance. They have their headquarters in Chennai.

Products:
Fire Policies:

• Standard Fire and Special Perils Policies
• Swasthya Bima Policy
• Marine Policies:
• Marine Cargo
• Marine Hull
• Industrial Policies:
• Boiler And Pressure Plant Policies
• Electronic Equipment Policy
• Machinery Breakdown Policy
• Deterioration of Stock

Liability Policies:

• Workmen’s Compensation Policy
• Public Liability Policy
• Product Liability Policy
• Professional Indemnity Policy
• Motor Policies

Miscellaneous:

• Accident and Hospitalization Policies
• Social Policies
• Package Policies
• Travel policies
• Business Policies for Business

• ICICI Personal Protect
• Comprehensive Health Insurance
• ICICI Lombard Car Insurance

Contact us to buy/ purcahse any Policy form ICICI Lombard General Insurance ask our authorised Agents for the deal.

Coverage: On the occurrence of any of the below mentioned insured events, the Company agrees to pay you/your nominee.

• Accidental Death: Sum Insured as specified under the respective benefit in the event of death resulting from an accident.
• Permanenet Total Disablement (PTD): Sum Insured as specified unde the respective benefit in the event of Permanent Total Disablement resulting from an accident.
• Accidental Hospitalization Expenses Reimburesement: Medical expenses incurred in  case of Hospitalization (minimum 24 hours.), due to injury, within 7 days from the date of accident.

Main Exclusions:This policy does not cover losses arising out of suicide/ attemped suicide, self- injury, venereal diseases, war and nuclear perils, during childbirth, whilst under the influence of intoxication, liquor & drugs, mental disorders.

Eligibility: The proposer has to be between 18-60 years.

Tenure: You will be covered for a period of 1 Year.

Sum Assured:

• Option 1- Accidental Death/ PTD- Rs. 10 Lakhs. Accidental Hospitalization Expenses Reimbursement- Rs. 1,00,000.
• Option 2: Accidental Death/ PTD- Rs.25 Lakhs. Accidental Hospitalization Expenses Reimbursement- Rs. 1,00,000.

Premium:

• For Option 1 (of Sum insurred) Rs. 2100/-
• For Option 2 (of Sum insurred) Rs. 4130 incl. of all taxes.

Documents To be Submitted During Claim: FIR, Post-mortem Report, Death Certificate, Medical/ Hospital Report, Dischage Card, duly completed clais form and any other document as may required by the company.

Contact our Insurance Experts/ Advisor/ Consultant for Buy or Purchase a new Policy or for Premium Rate Compre with Others.

 Loss or Damage To your Vehicle: Provides cover for any loss or damage to your vehicle or the accessories dueto,

1. Natural Calamities: Fire, explosion, self ignition or lightning, earthquake, flood, typhoon, hurricance, storm, tempest, inundation, cyclone, hailstorm, frost, landslide, rockslide.
2. Man- made Calamities: Burglary, theft, riot, strike, malicious act, accident by extreme means, trrorist activity, any damage in transit by road, rail, inland, waterway, lift, elevator or air etc.

Personal Accident Cover: The motor insurance provides compulsory personal accident cover for individual owners of the vehicle while driving. You can also opt for a personal accident cover for passangers.

Third Party Liability: Covers for legal liability due to accident damage for any permanent injury/ death of a person or any damge caused to the property.

Additional Covers: Electrical/ non- electrical accessories can be coverd. e.g. Fog Lights, Music System, Seat Covers etc. You can also cover your bio- fuel system such as CNG/ LPG kit.

Features:

•  Immidiate Policy Issuance. 
•  Trauma/ towing services available 24 x 7 call centre.
•  Towing Charges upto Rs.1500 covered.
•  Cashless claim settlement at network dealers.
• Online approval for minor claims through cashless network delears.

How the premium calculated? The basic premium is calculated as per Indian Motor Tariff. It depends primarily on the following factors.

1. Type of Vehicle
2. Age of Vehicle
3. Period of Coverage
4. Discounts/ Loading
5. IDV
6. No Claim Bonus

Contact our Insurance Advisor for more detail on Renew/ Buy or Purchase a new Motor Car Vehicle Insurance by submitting querry on our contact us forms.

Features

• Free Health Check Up
• Cashless: 4200+ network hospitals in India
• Tax Benefits: Tax benefits under section 80D available.
• Covers:Covers medical expenses incurred during hospitalization for more than 24 hours. 30 days pre-hospitalization & 60 days post-hospitalization is avail
• Preexisting disease Covers after 4 Years.

Eligibility: Individuals proposed for Insurance whose age are 46 years & above have to compulsorily undergo medical tests at ICICI Lombard designated diagnostic centres. Children between the age of 3 month to 5 years will be covered only under a floater plan.

Exclusions:

• Any illness/ disease/ injury existing before the inception of the policy for the first 4 years.
• Non- allopathic treatment, Pregnancy & Childbirth related disease, cosmetic aesthetic & obesity related treatment.
• Expenses arising from HIV or AIDS and related disease, use or misuse of liquor, intoxicating substances or drugs as well as intentional self injury.
• Any medical expenses incrured during the first 30 days of inception of the policy, expect accidents.
• Congential disease.
• War, riot, strike, nuclear weapons included hospitalization.

Exclusions for First Two Years: There are ailments which are not covered in the first two years, but covered subsequently.

• Catract ( After 2 years sub-limit of Rs 20,000 per eye is applicable.
• Bening Prostatic Hypertrophy
• Myomectomy, Hystetrectomy unless because of malignancy
• Harniya, Hydrocele
• Fistula in anus, Pliles
• Arthritis, gout, rheumatism
• Joint replacements unless due to accident
• Sinusitis and related disorders
• Stones in the urinary and biliary systems
• Dilation and curettage
• Skin and all internal tumors/ cysts/ nodules/ polyps of any kind including brest lumbs unless malignant/ adenoids and hemorrhoids
• Dialysis required for chronical renal failure
• Surgery on tonsils and sinuses
• Gastric and duodenal ulcers

For 1 Year           

For 1 Year

For 2 Years

For 2 Years

All prices are inclusive of Service Tax, Education Cess & TPA fees.

Ask our agent/ advisor/ consultant for Premium Rate Comparision online here by submitting querry on cotactus form.

The policy provides total coverage for all risks that are common to an office eliminating the need to take different policies.

• Covers building from various perils as per standard fire and special perils policy.
• Contents against fire and allied perils
• Money while in office or in transit from or to the office.
• Fixed glass and sanitary fittings from accidental breakage.
• Losses caused by fraud or dishonesty committed by any salaried employee.
• Accidental losses and electronic equipment in the office including mobile equipment.
• Additional rent required for alternative accommodation in the event of a loss.
• Bodily injury to insured persons by accidental means.
• Breakdown of appliances due to electrical and mechanical causes is covered under this section.
• Accidental loss or damage to baggage of persons during official journey is covered here.
• Liability to public for accidental bodily injury and property damage.
• Loss of income including increased cost of working, additional expenditure due to business interruption following a loss

• In case of damage to the building premises, the insurer will indemnify the insured the cost of replacement or reinstatement or repairs based on actuals, including removal of debris, consultation fees.
• In case, theft, accident or misfortune occurs to the money held by the office, the cover will also include replacement and/or repairs to the safe.
• Fixed glass and sanitary fittings are insured on a reinstatement basis.
• In event of any accident occurring to named employees, damages with regards to hospitalisation, ambulance charges and costs of clothing.
• In case of business interruption, the loss of income including increased cost of working and additional expenditure such as setting up of a temporary office, rates, taxes, cost of substitute equipment, hiring personnel, professional charges and additional expenditure such as rent, electricity, taxes, costs of removal will be paid for.

Ask our Authorised Oriental Insurance Agent for Premium Rates Calculation Comparision for Office Umbrella Policy..

All immovable and movable property located at a particular premises such as buildings, plant and machinery, furniture, fixtures, fittings and other contents, stocks and stock in process along with goods held in trust or in commission including stocks at suppliers/ customer’s premises, machinery temporarily removed from the premises for repairs can be insured.

• Accidental fires
• Lightning
• Explosion & implosion ‘due’ to pressure vessels (used for domestic purposes)
• By rioting mob, striking workers and malicious acts by third parties
• Impact / Damage by rail/road vehicles, carts & animals
• By aircraft or any arial devices or articles dropped therefrom
• Landslide & rockslide.
• Storm, cyclone, flood & inundation and similar vagaries of nature
• Bursting and over flowing of water tanks and pipes etc.
• Missile Testing operations
• Leakage from sprinklers
• Bush Fire

•  Terrorism Damage
•  Architects, Surveyors and Consulting Engineer’s Fees (in excess of 3% of claim amount)
• Debris Removal (in excess of 1% of claim amount)
• Forest Fire
• Impact / Damage due to Insured’s own Rail/Road Vehicles and by aircraft or any arial devices and articles dropped therefrom
• Earthquake risks (Fire and Shock)

All property located in an industrial complex will be charged one rate depending on the product(s) made.

Facilities outside industrial complexes will be rated depending on the nature of occupancy at individual location.

Storage areas will be rated based on the hazardous nature of goods held.

Additional premium is charged to include “Add on” covers

Discount in premium is given based on past claims history and fire protection facilities provided at the premises.

One can also opt out riot, strike, malicious and terrorism damage covers and flood group and perils for reduction in premium.

• Destruction/damage by own fermentation natural heating or spontaneous combustion
• Undergoing any heating or drying process
• Burning of Property insured by order of any public authority
• Explosion/implosion damage to boilers, damage caused by centrifugal forces
• Forest Fire
• War and Nuclear group of perils
• Unspecified precious stones, cheques, currency etc.
• Electrical files
• Consequential losses
• Theft during/after operation of peril
• Mis-description, Mis-representation, Non-disclosure of material facts
• Expenses relating to claim documentation
• Fraud

Insurance company may at its option, also repair or replace the affected property instead of paying for the cost of restoration.

If the individual value of assets is not furnished, the value of each property is considered as not more than 5 percent of the total sum insured.

Ask for Premium Rate Comparision for Oriental Insurance Fire Insurance apply online here.