Non-life insurance, also known as general insurance, includes a wide range of plans that protect individuals and businesses from financial losses or damages caused by unexpected events unrelated to death. These events can include accidents, natural disasters, fires, thefts, liabilities, health issues, and other unforeseen circumstances. Non-life insurance policies offer policyholders financial protection by reimbursing them for the financial setbacks they experience due to these occurrences. This approach strengthens resilience and promotes effective risk management in personal and professional areas. Discover non-life insurance for comprehensive protection against a range of unexpected events. Contact us for tailored plans to enhance resilience in your personal and professional life.
Investorsarthi is Partnered with Tata AIG General Insurance Company Limited, a collaboration between the Tata Group and the American International Group (AIG). Having commenced operations on January 22, 2001, Tata AIG General Insurance Company Limited celebrated 21 years of dedicated service in 2021. Throughout its journey, the company has demonstrated industry leadership by introducing numerous pioneering products and services.
Tata AIG offers an extensive array of insurance solutions, categorized into two principal divisions: Consumer Lines (covering Home, Motor, Travel, Health, and Rural-Agriculture insurance) and Commercial Lines (encompassing Property, Business Interruption, D&O, Professional Liability, General Liability, and specialized offerings). The company prides itself on having a highly skilled claims team and an exceptional customer service unit.
With a central emphasis on Travel, Marine, and Liability insurance, Tata AIG aims to establish itself as the preferred general insurance company within the industry. As of March 31, 2023, the company manages assets totaling approximately Rs. 22,566 Crores. It boasts a workforce of about 8,834 employees and operates an extensive distribution network through agencies, brokers, and affinity partnerships.
Investorsarthi partners with industry leader Tata AIG General Insurance for comprehensive insurance solutions. Join us to benefit from their 21 years of excellence and pioneering offerings.
Investorsarthi has formed a partnership with ICICI Lombard, India's premier private general insurance company, with a remarkable legacy of over two decades in the industry. This esteemed company offers an extensive array of insurance products, encompassing motor, health, crop, fire, personal accident, marine, engineering, and liability insurance. Demonstrating a steadfast dedication to customer-centricity, ICICI Lombard upholds the brand ethos of 'Nibhaaye Vaade.'
Throughout its tenure, ICICI Lombard has issued an impressive 32.7 million policies and successfully settled 3.6 million claims, underscoring its unwavering commitment to exceptional customer service. For the fiscal year concluding on March 31, 2023, the company achieved a Gross Written Premium (GWP) totaling ₹217.72 billion. Operating through an extensive network of 305 branches, ICICI Lombard employs 12,865 skilled professionals as of March 31, 2023.
At ICICI Lombard, ensuring customer satisfaction remains paramount and is deeply ingrained in the company's ethos. Whether facing unforeseen natural calamities, accidents, or medical challenges, the company remains resolute in its dedication to supporting customers and serving them with diligence. If you're interested in exploring insurance options or learning more about ICICI Lombard's offerings, we encourage you to reach out to Investorsarthi. Feel free to contact us for further information or to discuss your insurance needs.
Investorsarthi has partnered with The Oriental Insurance Company Ltd., an enterprise founded in Mumbai on September 12, 1947, dedicated to engaging in General Insurance operations. In 2003, all shares of the company previously held by the General Insurance Corporation of India were transferred to the Central Government.
Oriental Insurance has played a pioneering role in the development of efficient systems for conducting insurance business. Its strength lies in a well-trained and motivated workforce encompassing various disciplines and possessing extensive expertise. The company is renowned for crafting specialized insurance solutions tailored to large projects such as power plants, petrochemical facilities, steel plants, and chemical plants. Offering a diverse range of insurance products designed to cater to both urban and rural populations in India, Oriental Insurance is supported by a highly qualified team of professionals dedicated to delivering exceptional customer service.
The company commenced operations with a modest first-year premium of Rs.99,946 in 1950, with a primary focus on providing excellent client service. Over time, it has established strong traditions and has steadily grown. By the end of the fiscal year 2020-21, Oriental Insurance reported a gross premium of Rs.12,747 crores, marking significant progress from its humble beginnings.
Headquartered in New Delhi, Oriental Insurance operates through 29 Regional Offices and nearly 1800+ operational offices across various cities in India. Furthermore, the company has expanded its reach internationally with operations in Nepal, Kuwait, and Dubai, boasting a workforce of approximately 13,500 employees. Contact Investorsarthi to access Oriental Insurance and secure comprehensive coverage. Connect with us now for seamless insurance assistance and peace of mind.
Investorsarthi has established a partnership with National Insurance Company Limited, the oldest general insurance company in India, with a rich history dating back to its inception in Kolkata, West Bengal, on December 5, 1906. Stemming from the patriotic desire for self-governance, National Insurance has stood as a vigilant guardian of the nation's interests for well over a century. In 1972, a pivotal moment in India's insurance landscape occurred when National Insurance merged with 21 foreign and 11 Indian companies, consolidating into National Insurance Company Limited as one of the four subsidiaries of the fully government-owned General Insurance Corporation of India. This merger represented a significant turning point, involving the transfer of shares from existing Indian general insurance companies and other insurers to GIC for centralized regulation and control of the insurance business.
On August 7, 2002, National Insurance took a monumental step towards independence by separating from its parent company, GIC, and becoming an autonomous insurance entity. Presently, National Insurance stands as a testament to its enduring legacy, boasting an extensive presence across India with approximately 1,730 offices and a dedicated workforce exceeding 13,000 skilled employees. Supported by a robust network of over 50,000 agents, the company extends its influence beyond Indian borders through a foreign office in Nepal. National Insurance's journey is not merely a tale of longevity; it embodies resilience, adaptability, and an unwavering commitment to serving the evolving insurance needs of the nation. For investment opportunities with a trusted partner, explore Investorsarthi's collaboration with India's oldest general insurance company, National Insurance Company Limited, exemplifying resilience and commitment for over a century. Join us in supporting their enduring legacy and dedication to evolving insurance solutions.
Let's embark on your journey to secure vehicle insurance!
Discover comprehensive vehicle insurance coverage with Investorsarthi, offering tailored policies for swift protection and peace of mind against accidents, theft, and more. Choose a comprehensive motor insurance policy with Investorsarthi for thorough coverage, including third-party liability and own damages.
Vehicle insurance, also known as motor insurance, is a protective policy designed to provide financial security for vehicle owners and drivers in case of unfortunate events such as theft, accidents, or natural disasters. By paying regular premiums, your insurance provider commits to share the expenses incurred for repairing damages. Nowadays, nearly every Indian family owns a vehicle, but regardless of how cautious they are, unforeseen incidents can still occur. Whether it's an accident, theft, or attempted robbery, individuals may find themselves facing substantial repair costs or the need to replace their vehicle entirely. Fortunately, vehicle insurance eliminates these worries. Your motor insurance provider will assist in covering all repair expenses or the cost of a replacement vehicle.
However, the utility of your motor insurance policy extends beyond these scenarios. A comprehensive vehicle insurance policy that includes third-party liability coverage ensures you're not held responsible for damages caused to another individual, their vehicle, or their property. It's worth noting that third-party motor insurance is a legal requirement in India. Failing to possess a vehicle insurance policy with third-party liability coverage while driving can result in significant traffic fines.
At Investorsarthi, you'll discover insurance policies tailored to your specific needs. For swift and comprehensive protection encompassing both third-party liability and own damages, consider opting for a comprehensive motor insurance policy!
Let's initiate your journey into the realm of travel insurance! Investorsarthi emphasizes the vital role of travel insurance in unexpected situations during your travels. Protect your journeys with tailored travel insurance plans covering medical emergencies, theft, flight cancellations, and more, ensuring a secure and worry-free exploration of unfamiliar territories.
Imagine this scenario: You're on the verge of embarking on an exciting holiday adventure. You've secured your travel visa, purchased tickets, made hotel reservations, and meticulously organized everything. Upon arriving at your destination, you discover that your luggage has gone astray, or, even worse, you've fallen victim to theft, leaving you stranded in a foreign country without your passport or any cash! Coping with such situations can be both costly and challenging, particularly when you're in a place where you don't speak the language. This is precisely why travel insurance holds such immense importance.
Travel insurance serves as a safeguard for your journey, offering protection and coverage against unforeseen risks that may surface in unfamiliar territories. It is a unique financial product designed to extend a helping hand in the event of unexpected mishaps while you are traveling. Its coverage encompasses various scenarios, including medical and dental emergencies, money theft, passport loss, flight cancellations, and the misplacement or loss of your belongings.
Depending on your travel destination, the purpose of your trip, and your travel frequency, you can opt for a travel insurance policy that aligns perfectly with your requirements. If you travel infrequently, either domestically or internationally, a single-trip travel insurance plan is ideal, available for individual or family coverage. For those who frequently embark on business trips, a multi-trip travel insurance plan or an annual travel insurance plan might be the best choice, saving you the hassle of applying for a new policy before each trip. We also offer tailored travel insurance plans for senior citizens and students who are venturing abroad for educational pursuits. Regardless of your travel circumstances, rest assured that we have a travel insurance policy perfectly suited to your needs.
Commence Your Health Insurance Journey Today! Initiate Your Health Insurance Journey with Investorsarthi!
Investorsarthi provides guidance in selecting the right health insurance, ensuring financial protection from a range of medical expenses, from minor ailments to major conditions, ultimately safeguarding your savings and providing peace of mind.
A health insurance policy is a valuable product designed to shield you from the financial burdens associated with a wide spectrum of healthcare expenses, spanning from minor illnesses and injuries to critical medical conditions. Consequently, health insurance plans, along with the accrued Bonus, function as a robust financial safety net in the event of significant medical expenditures.
Choosing the right health insurance coverage can be a complex task, yet it holds tremendous significance in ensuring you are adequately prepared for unforeseen, and sometimes anticipated, medical costs. Picture a scenario where you receive a diagnosis of a severe medical condition necessitating ongoing treatment, hospitalization, and possibly surgery. Alternatively, consider the example of the COVID-19 pandemic in India and contemplate the various expenses that might arise if you were to contract the virus.
In such circumstances, the last thing you'd want is for your medical bills to deplete your savings or for your finances to plunge into turmoil while attempting to settle these bills. Therefore, it is paramount to acquire a suitable health insurance plan, determine the appropriate coverage amount, pay the corresponding premiums, and secure your insurance promptly. We are here to assist you every step of the way. Begin your health insurance journey with Investorsarthi today! Get expert guidance to choose the right health insurance, ensuring financial protection from minor to major medical expenses, providing peace of mind, and safeguarding your savings.
Insurance Solutions for Small and Medium Enterprises (SMEs)
Diverse businesses across various industries tailor their services to meet the unique needs and preferences of their customers. Consequently, there are numerous approaches to safeguarding and securing customers and their requirements. However, when it comes to safeguarding a business entity itself, the tailored solution is commercial insurance or business insurance, specifically crafted to shield businesses from potential losses.
In India, the landscape of small and medium enterprises, often referred to as SMEs, continues to flourish. To support their growth and fortify their operations, Investor Sarthi offers flexible commercial insurance policies. These policies serve as a vital resource for SMEs and similar enterprises, empowering them to protect both their assets and their financial stability from substantial setbacks.
Types Of Commercial Insurance
Various forms of business insurance are available to protect your SME from significant losses and unforeseen risks:
Marine Cargo Insurance: Numerous businesses engage in the transportation of goods, whether by road, rail, air, sea, or courier services. In the event of damage to or loss of these goods during transit, marine cargo insurance provides coverage. This insurance alleviates the financial burden on the insured, sparing them from having to personally bear the costs associated with damaged or lost cargo.
Public Liability Insurance:This category of protection falls under the umbrella of liability insurance, shielding your business from losses incurred by third parties. If a third-party individual sustains an injury or their property is damaged while on your premises, this insurance provides coverage against their claims. You have the option to include this coverage as an add-on to your Insurance plan.
Insurance Solutions for Small and Medium Enterprises (SMEs): Diverse businesses across various industries tailor their services to meet the unique needs and preferences of their customers. Consequently, there are numerous approaches to safeguarding and securing customers and their requirements. However, when it comes to safeguarding a business entity itself, the tailored solution is commercial insurance or business insurance, specifically crafted to shield businesses from potential losses.
In India, the landscape of small and medium enterprises, often referred to as SMEs, continues to flourish. To support their growth and fortify their operations, Investor Sarthi offers flexible commercial insurance policies. These policies serve as a vital resource for SMEs and similar enterprises, empowering them to protect both their assets and their financial stability from substantial setbacks.
Insurance Solutions for Small and Medium Enterprises (SMEs)
Diverse businesses across various industries tailor their services to meet the unique needs and preferences of their customers. Consequently, there are numerous approaches to safeguarding and securing customers and their requirements. However, when it comes to safeguarding a business entity itself, the tailored solution is commercial insurance or business insurance, specifically crafted to shield businesses from potential losses.
In India, the landscape of small and medium enterprises, often referred to as SMEs, continues to flourish. To support their growth and fortify their operations, Investor Sarthi offers flexible commercial insurance policies. These policies serve as a vital resource for SMEs and similar enterprises, empowering them to protect both their assets and their financial stability from substantial setbacks.
| # | Benefit Name | Tata AIG MediCare Premier Sum Insured (SI) Upto INR 50 Lakhs Coverage |
Tata AIG MediCare Premier Sum Insured (SI) Above INR 50 Lakhs Coverage |
Tata AIG ElderCare Coverage |
Tata AIG MediCare Plus Coverage |
|---|---|---|---|---|---|
| 1 | Room category | No Room Capping | No Room Capping | Single Private Room | No Room Capping |
| 2 | Global cover | Upto SI | Upto SI | If opted, Upto SI | Upto SI |
| 3 | Health-Checkup | Upto 1% previous of SI; Max. Rs.10,000 per policy |
Upto 1% previous of SI; Max. Rs.15,000 per policy |
Once after a block of every two continuous claim free years for listed tests on cashless basis | Upto 1% previous of SI; Max. Rs.10,000 per policy, once in block of every two continuous claim free policy years with us. |
| 4 | High end Diagnostics (per policy year) | Upto INR 25,000 | Upto INR 50,000 | Upto INR 20,000 per policy for tests listed in the policy | NA |
| 5 | OPD Treatment | Upto INR 5,000 | Upto INR 7,500 | NA | NA |
| 6 | OPD Treatment Dental | Upto INR 10,000 | Upto INR 12,500 | NA | NA |
| 7 | Pre-Hospitalization expenses | Upto 60 days | Upto 60 days | Upto 30 days | Upto 60 days |
| 8 | Post-Hospitalization expenses | Upto 90 days | Upto 200 days | Upto 60 days | Upto 90 days |
| 9 | Consumables Benefit | Upto SI | Upto SI | Upto SI | Upto SI |
| 10 | Cumulative Bonus (Up to max 100% of SI) after every claim-free policy year |
50% of SI - 1st year 100% of SI - 2nd year |
50% of SI - 1st year 100% of SI - 2nd year |
10% increase for every claim free year | 50% of SI - 1st year 100% of SI - 2nd year |
| 11 | Restore Benefit | Upto SI | Upto SI | NA | NA |
| 12 | Emergency Air Ambulance Cover | Upto INR 5,00,000 | Upto INR 500,000 for out of Network Upto SI within our Network |
NA | NA |
| 13 | Accidental Death Benefit | 100%of Base SI | INR 50,00,000 | NA | NA |
| 14 | Maternity cover | INR 50,000 (INR 60,000 for birth of girl child) | INR 1,00,000 (INR 1,20,000 for birth of girl child) | NA | NA |
| 15 | Delivery complication cover | Upto INR 10,000 | Upto INR 25,000 | NA | NA |
| 16 | First year vaccination | Upto INR 10,000 (INR15000 for girl child ) | Upto INR 10,000 (INR15000 for girl child ) | NA | NA |
| 17 | Home Care Treatment Cover | NA | Upto SI for a) Dialysis at home b) Chemotherapy at home c) Up to 25% of SI for Pandemic Care at home, max up to 15 days in a policy year |
Upto 10% of SI for listed condition / illness / procedures as mentioned in the policy | NA |
| 18 | Ambulance Cover per hospitalization |
Up to Rs.5,000/- | Up to Rs.7,500/- | Up to Rs.3,000/- | Up to Rs.3,000/- |
| 19 | Home physiotherapy | 15 physiotherapy sessions arranged at home by our empanelled service providers within India. | 15 physiotherapy sessions arranged at home by our empanelled service providers within India. | Upto 10 session at home per insured person per police year | NA |
| 20 | Cost Sharing (Co-Pay) | NA | NA |
a. mandatory co-payment-20% b. sub-limit on specified surgical procedure For SI :INR 5lacs /10lacs/25lacs respectively (co-payment not applicable). Zone of the insured person as specified in the policy schedule). Contract ( per eye per insured person ); Zone A: INR 50,000/ INR75,000/ INR1,00,000 Zone B: INR 47,500/ INR 70,000/ INR 95,000 Zone C ; INR 40,000/INR 60,000/ INR 80,000 Joint Replacement Surgery (per Insured person) Zone A: INR 2,00,000/ INR3,00,000/INR 5,00,000 Zone B: INR 1,90,000/ INR 2,85,000/ INR 4,75,000 Zone C ; INR 1,60,000/INR 2,50,000/ INR 4,00,000 |
NA |
| 21 | Modern Treatment | Upto SI | Upto SI | NA | Upto SI |
| 22 | Brochure | Medicare Premier - Website - Combined Brochure | Medicare Elder Care - Website | Medicare Medicare Plus - Website | |
The realm of health is inherently unpredictable, and exerting control over health-related expenses is often a formidable task. However, by acquiring a suitable health insurance plan, you can gain a measure of control and ensure a degree of financial security for both yourself and your family in the face of healthcare costs. The question of 'why you need health insurance' can be answered through various perspectives, and here are a few compelling reasons:
While acquiring health insurance early in life is crucial, conducting thorough research before finalizing a health insurance plan, sum insured, and applicable premium is even more vital. Here are some of the primary factors you should take into account when selecting a suitable health insurance plan:
Commercial insurance provides essential protection for your SME against a range of risks and uncertainties, enabling you to concentrate on business growth. Here are some significant benefits associated with having commercial insurance:
Mr A has taken a Health Insurance Policy from TATA AIG. He has a small and happy family of 4 people including him, his wife, a son, and a daughter, so he took a family floater for only 20L, considering it would be sufficient for the whole family. When he took the policy in November ’22, everyone was fit and fine, but after taking the policy, suddenly in April ’23 his very young daughter, in her early 20s was diagnosed with Malignant Adenomatous Neoplasm - an early form of colorectal cancer. She needs frequent hospitalization for radiotherapy and chemotherapies at regular intervals as and when advised by the treating Oncologist. Then on 8th May ’23, her condition got worse and she had to be admitted immediately. Her father took her to the best hospital Apollo Proton Cancer Centre (the most advanced cancer center and the 1st Proton Therapy Centre in South Asia & The Middle East.), Chennai TN. He also initiated the claim to Tata AIG on the same day as Apollo Proton Cancer Centre is a network provider, so he could easily get the benefit of a cashless facility. We in Tata AIG, are very empathetically approved cashless up to the maximum admissible Claim limit. The expected bill amount is 31,80,000, but Tata AIG could help maximum up till their SI - 20L, without any sub-limits.
The insured was a real-estate tycoon & who was diagnosed with an Inguinal hernia (An inguinal hernia is a bulging of the contents of the abdomen through a weak area in the lower abdominal wall), the insured being an HNI Customer wanted to take the treatments in Singapore & also requested TATA AIG in advance to process the claim in cashless
The treatment was taken in Mount Elizabeth Hospital, Singapore. The customer requested cashless approval for the case. The case was reviewed completely and medically admissible. Customer S.I+CB was 1Cr, Requested for Rs.16,33,400/- with no sub-limits or copay. We have coordinated with our channel partners and arranged cashless approval for the surgery. The patient was treated and discharged with cashless approval.
Insured mother-in-law at age 64 was suffering from HSV Encephalitis and Pneumonia an infection that inflames the air sacs in one or both lungs. The air sacs may fill with fluid or pus (purulent material), causing cough with phlegm or pus, fever, chills, and difficulty breathing, she was taken to Max Smart Super Specialist Hospital for hospitalization as the condition needed immediate medical attention.
Mrs.*** was hospitalized on 12th Jan 2023 in Single occupancy for eight days in hospital & the insured had raised a claim under the reimbursement process for INR 6,43,120.
The claim was pending for the last 3 months as the insured was not able to provide the related documents regarding the history mentioned in the discharge summary (Bronchial Asthma, Bipolar Disorder, and dental treatment taken in Vietnam). The query replies submitted were incomplete. Further, we arranged a claim SAHYOG session with the producer, and the admission details were presented. The producer understood the same and gave us clarification regarding the same on 09/05/2023. On the same day, we processed the claim and it was informed to the concerned sales team.
