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Life Insurance

Life Insurance is a type of insurance policy which provides financial support to the insured person or to insured person family from a premature death or after a set of period. Under a Life Insurance Act in India, the Insurance Company is responsible to pay a definite sum of amount to the insured family on premature death of insured person.


What is Life Insurance ?

Life insurance is a harmony contract between an insurance company and policyholder, under which the guarantee to pay definite sum of money to the nominated beneficiary due to any sudden demise of the policyholder during the term of policy. During the term period the policy holder agree to pay a certain amount of premium on a regular basis or a lump sum amount.


Types of Life Insurance Policies :

  • Term Insurance
    Term insurance is a type of life insurance which provides financial protection for specified tenure. Due to untimely death of the Insured during the policy term a lumsum is paid to Insured’s family/dependents. Due to its low premium, this type of life insurance is mostly opted. No returns upon policyholder’s survival on the completion of the policy term.
  • Endowment Plan
    It is a combination of savings, Investments with returns and accured bonus at the end of the term. It is a security given by the bread earner to himself and to his family members
  • Unit Linked Insurance Plan (ULIP)
    It is a Market related product where the Investment is divided by the Insurance company in to various schemes opted by the policy holder. It has a locking period. At the end of the term, a lump sum amount is paid based on the NAV of that day. Pre-matured death of policy holder will fetch family a insured amount or NAV calculated amount.
  • Money Back Plan
    This plan offers Policyholder survival benefits during policy term. A sum Assured and accured is paid to his/her family on untimely death of the policyholder during the policy term.
  • Whole Life Insurance
    Whole life insurance also carries a dual benefit of life insurance and investment. Whole life insure plan provide insurance cover for whole life or up to 100 years. The premium paying term is limited to the choice of policyholder. The returns under this policy are at age 100 years. A sum Assured and accured bonus is paid to his/her family on untimely death of the policyholder during the policy term. Maturity amount along with bonus is paid to policyholder on survival.
  • Child Insurance
    The cost of living in today world is increasing and planning for child future is getting costlier. Insurance policy not only provides risk cover, it also takes care of their education and career. This plan provides terminal returns along with maturity benefits. Premium payment term is limited. With option of Premium Waiver benefit, upon timely death of proposer, the premium payment for rest of the term is waived off, but the benefits are paid as per the policy terms set at the time of inception of policy.
  • Pensions Plan
    This plan is beneficial after the retirement of the policy holder to continue his inflow of income and have secured, tension free retirement life. Pension plan opted pays policy holder in single/monthly/quarterly/half yearly and yearly mode. Invested amount is given back to nominee on the death of the policy holder.

General Insurance

Insurance subject is very vast, It means insure & assure your valuables, health and most important Life :

Health Insurance used to be part of General Insurance, but as the times have change the human life style has also changed. Health is a very important factor. Insuring ones health was not taken seriously. Stressful and high life style has made people realise the importance of health and hospital expense, which drained out many people’s wealth and brought grief to family members. Insurance Regulator gave Health Insurance Significance and as a result there are stand-alone Health Insurance companies, who provide cover to all age group of people (Age 0 to 100) with cashless facility.

Medical emergency come unannounced; YOU DESERVE THE BEST HEALTHCARE !!!  NEVER COMPROMISE.

Health Insurance is Indemnity based policy. It protects you from unexpected, high medical costs. Not having adequate health insurance not only leads to financial drain but also affects the entire family emotions. Health Insurance is solution of uncertainties & risks those are prevalent & ever pervading in human life. It offers you the liberty to lead the life of your choice & stay worry free always.

HEALTH INSURANCE DOES COSTS MONEY BUT NOT HAVING ONE CAN COST YOU SEVERAL TIMES MORE.


GENERAL INSURANCE MEANS A RISK COVER FROM PIN TO AEROPLANE, few of them are :

Home Insurance

This insurance cover is to be taken by people having ownership of the property/Asset, having insurable interest. This policy reimburses cost of repairs/replacement due to Fire & Special Perils, means fire due to any reason and Earthquake, Flood/Strom, Gods Act etc.

Travel Insurance

The losses which can affect the normal travel plan of Individual, family and student. This is normally taken by a person travelling Foreign Country as it has become compulsory at the time of Visa Application and most importantly it helps in illness during our stay aboard.

Personal Accident

Today mishaps are very regular, this policy is very appropriate for working class, as they have to travel from home to work place by various modes of transport. It covers all types of disabilities, weekly compensation for 52 weeks during your absenteeism from work due to accident.

Motor Insurance

Motor car/Two wheeler/ Commercial vehicles are mandatorily insured. This policy helps in claiming repairs/replacement cost due to any accidental damage to vehicle, third party, third party property.

Commercial Insurance

Financial Liability occurring in normal course of business, due to fire/machinery breakdown etc.

Health Insurance

What is Health Insurance ?

Coverage that provides for the payments of benefits as a result of sickness or injury. It includes insurance for losses from accident, medical expense, disability, or accidental death and dismemberment"
The term ‘Health Insurance’ relates to a type of insurance that essentially covers your medical expenses or by reimbursement. To entice quality employees, health insurance provide employee benefit package. Benefits received by insured against insurance are tax-free.Approved by IRDAI, Satco provide you with a comparative insurance product.


Benefits of Health Insurance

  • Ambulance Fee
    The insured person is free of transportation fee and it will be incurred by the INSURER with whom he/she will be tie up with. This add-on benefit is an advantage and should be opted.
  • Cashless Benefits
    Today all the health insurance organization are tied up with Network of hospitals or nursing homes. These plans make your work easier during crucial period with no hassle for claim resolution and documentation. There is no cash payment in such benefits. By filling your policy number with valid documents the work on behalf of insured person is complete and rest will be taken care by the TPA & INSURER up to your coverage amount. If the expenses go beyond the sub-limit or are not mentioned by the insurance company, then the coverage will have to be settled by the individuals directly in the hospital. The person should consider the point of not getting treatment in any other hospital that is not a part of their hospital network for cashless benefit.
  • Wellness Care
    This facility provided by the health insurance make a lot of additional benefit to Insured. The wellness care section provides with regular health check-ups. Some firm also provide free medical check-up provided you have no claim bonus in record in your past history.
  • No Claim Bonus (NCB)
    NCB is an advantage for the insured who have previous claim free year and no break in policy. The person will be subjected to a cumulative bonus or a discount in the cost. This privilege is provided to the insured during next renewal period.
  • Pre & Post Hospitalization
    This health insurance policy takes care of both pre and post hospitalization fee for a period of 30 to 60days depending on plan of purchase.
  • Hospitalization Medical Expenses
    Reasonable and Customary Charges for Medical Expenses that are incurred during the Hospitalisation of the Insured Person for Medically Necessary treatment required due to an Illness or Injury sustained by the Insured Person during the Policy Period.
  • Tax-Benefit from health insurance
    Health Insurance provides a tax benefits under section 80D of income tax act, 1961. The premium an insurer pay towards health plan for self or family get a tax rebate. The tax benefit one offered from health insurance is subjected to which age group the insurer belong to.


Types of Health Insurance Policies in India :

  • Individual Health Plan
    The health insurance plan for individuals suffering from illness and are offers with advantages like cashless benefits and add –on. This facility is provided to the insured depending upon the age at entry.
  • Family Floater Health plan
    This Health insurance policy covers or includes the entire family member against diseases under one roof. In family benefit, the sum as specified can be availed by any one or all the members for one or more claims during the tenure of the policy.
  • Plan for Critical Illness
    This policy is used for the treatment of various critical illnesses such as heart attack, paralysis, open heart surgery etc. These policies provide a lump-sum benefit if a person get diagnosed by any critical illness.
  • Cancer Care plan
    Health Companies today provide special cancer care coverage plan. Cancer treatment requires lots of medication treatment and the plan covers lots of benefit for such critical illness.
  • Health plan For Senior Citizen
    This health insurance plan is specifically for age group above 60years, and offering maximum health benefits plan during old age.

Personal Insurance

Why Personal Accident Insurance?

Life is uncertain & immeasurable. Accidents & uneventful incidents never ring a warning bell before they strike. Road mishaps, accidents have gone up tremendously & the victims along with their families suffer the consequences of the such unfortunate situation. Alarming statistics report about 1214 road related death that occur in India every year; this should be an eye opener on the perils an individual is exposed daily.

While minor accidents can cause temporary hurdles, major ones can lead to disability for life or even demise. With a view to providing certain relief, insurance companies have devised various policies that serve as true life savers when met with an unfortunate circumstance.

Travel Insurance

Why Do You Need It?

Traveling has become an integral part of our modern society. We could be traveling for reasons like a business trip or much awaited vacation. But one cannot deny the fact that there are several things that could go wrong when one travels. Disruptions like cancellation of flights, loss of baggage, medical emergency- are some of the unforeseen events that could catch you off guard. So whether you are off to your favorite destination for a holiday or going on a business trip - an adequate & complete travel insurance is a must have.

Motor Insurance

What is Motor Insurance?

Motor insurance policy is mandatory for vehicle owners as per Indian Motor Vehicles Act 1988. This Plan is designed to give coverage for losses which insured might incur in case his vehicle gets stolen or damaged. The amount of motor insurance premium is decided based on the Insured Declared Value of a car. The premium will increase, if you raise the IDV limit and vice versa.

Why do I need to insure my vehicle?

Motor insurance is mandatory for all vehicles that ply on roads-like car, trucks, etc. The prime objective of this type of insurance is to provide complete protection & coverage on physical damage or loss from man-made & natural disasters. According to Indian Motor Act 1988, an motor insurance policy is mandatory for every automobile owner in the country. Hence, purchasing an motor insurance is not just a necessity, it is mandatory by law.