Insurance Services in India, Insurance Policies

Insurance Services

Insurance is the equitable transfer of the risk of a loss, from one entity to another in exchange for payment. It is a form of risk management primarily used to hedge against the risk of a contingent, uncertain loss. An insurer, or insurance carrier, is selling the insurance; the insured, or policyholder, is the person or entity buying the insurance policy. The amount of money to be charged for a certain amount of insurance coverage is called the premium. Risk management, the practice of appraising and controlling risk, has evolved as a discrete field of study and practice.

Construction-All-Risk

Construction-All-Risk insurance is a special type of property insurance which indemnifies against damage to buildings while they are under construction. Builder's risk insurance is "coverage that protects a person's or organization's insurable interest in materials, fixtures and/or equipment being used in the construction or renovation of a building or structure should those items sustain physical loss or damage from a covered cause."

Fire and Burglary

Burglary and Housebreaking Insurance policy provides financial compensation against loss or damage to property contained in your premises by acts of Burglary and or Housebreaking. Fire Insurance policy provides financial compensation against loss or damage to property contained in your premises by acts of fire breakouts.

Group Accidental Insurance

The Group Personal Accident policy covers disability and even death while in service. Moreover, even your family gets covered in the unfortunate eventuality of death or disability.

Group Mediclaim

Mediclaim policy is a financial agreement wherein the insurer promise to pay the amount which is spent by the insured for his health purpose during hospitalization.

Marine Insurance

Marine insurance covers the loss or damage of ships, cargo, terminals, and any transport or cargo by which property is transferred, acquired, or held between the points of origin and final destination.

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