Investcare - General Insurance

Insurance other than 'Life Insurance' falls under the category of General Insurance. General Insurance comprises of insurance of property against fire, burglary etc, personal insurance such as Accident and Health Insurance, and liability insurance which covers legal liabilities. There are also other covers such as Errors and Omissions insurance for professionals, credit insurance etc.

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Individual Mediclaim

Features

Your family deserves the best especially when it comes to medical care.

With medical expenses shooting sky high, Mediclaim Insurance Policy helps you meet hospitalisation costs. We free you from financial worries so that you can give your full attention to your loved ones.

Key Advantages

Hospitalisation Care for the Family

Mediclaim Insurance Policy covers you and your family for hospitalisation and related expenses.
Family members between the ages of 5 and 80 years can be covered.
The policy also provides health insurance for children between the ages of 3 months and 5 years if one of the parents is covered concurrently.

Claim-Free Bonus

We reward you with a no-claim bonus of 5% on every claim-free renewal. This can be accumulated up to a maximum of 50%.

Tax Advantage

With health insurance you not only protect your family but also can avail of tax benefits under Section 80D of the Income Tax Act.

Policy Coverage

Mediclaim Insurance Policy will cover various hospitalisation expenses.

Hospitalisation Expenses – These include room charges and operation theatre charges, nursing expenses, fees of medical practitioner, anaesthetist and consultants.
Medicine, Consumables and Diagnostic Expenses – Cost of anaesthesia, blood, oxygen, surgical appliances, medicine and drugs, diagnostic material and X-rays, dialysis, chemotherapy, radiotherapy, pacemaker, artificial limbs and organs.
Day Care Treatment – The policy will cover expenses incurred towards technologically advanced treatment that does not require hospitalisation for 24 hours or more.
Domiciliary Hospitalisation – We also provide cover for treatment administered at home, subject to specified conditions.
Pre- and Post-Hospitalisation – Mediclaim Insurance Policy covers medical expenses for treatment up to 30 days before and up to 60 days after the hospitalisation.

Value Added Benefits

Mediclaim Insurance Policy offers you value-added benefits to give you extra cushioning and added cover.

The policy will cover pre-hospitalisation expenses for 30 days and post-hospitalisation expenses for 60 days.
It also provides you with health cover for technologically advanced treatment that does not require 24-hour hospital stay.
No medical check-up upto the age of 45.
Free medical check-up after 4 claim-free renewals.

Exclusions

At General Insurance, we would like our policy to be as transparent as possible.

To ensure that you do not face any unpleasant surprises when you make a claim, we would like you to know some of the major exclusions under the policy.
This policy does not cover:

Any pre-existing illness
Specified illnesses for the first year
Specified illnesses in the case of domiciliary hospitalisation.
Any treatment for the first 30 days from the time of inception of policy, unless due to an accident.
Treatment related to HIV / AIDS
Treatment due to abuse of alcohol or intoxicants.
Vaccination and inoculation.
Nuclear and war perils.
Naturopathy treatment.

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Car Insurance

Car insurance technically provides protection against the losses incurred as a result of unavoidable instances. It helps cover against theft, financial loss caused by accidents and any subsequent liabilities. The cover level of Car insurance can be the insured party, the insured vehicle, third parties (car and people). The premium of the insurance is dependent on certain parameters like gender, age, vehicle classification, etc. Car insurance gives confidence to drive fearlessly but at the same time should follow the traffic rules. In emergencies it acts like a boon to the insurer.

With so many car insurance companies vying for customer base in the market, it is quite difficult to make a decision like choosing the right policy covering the requirement, right insurer, etc. Figuring out the right insurance policy fulfilling the requirement and being cost effective can be time consuming. We assists in this endeavor of finding the right car insurance for the users. Fill in an online form, and mention the details, specific requirements and our experts will take it forward. We bring the most competitive cost quote and benefits of all insurance companies under one roof helping decision making.

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Travel Insurance

Be it business or pleasure travel, having a trouble free trip is what everyone looks forward to. Illness is uncertain, it can spoil the planned trip. But with insurance in hand, medical bills are taken care of. Other difficult situations like loss of passport or baggage while traveling can also add on financial difficulties. These are all covered by travel insurance. Travel insurance usually covers medical expenses, financial or any other looses incurred while traveling. Travel insurance is arranged at the booking of a trip to cover exactly the duration of that trip. Travel insurance offers coverage for Student travel, business travel, leisure travel, adventure travel, cruise travel, and international travel. Irrespective of the nature of uncertainties, a suitable travel insurance fulfilling the requirements can offer the coverage needed while away from home.

It may save spending a fortune in any tragic unforeseen incident. But the challenge is to find the right policy that fits the budget at a short notice. Here the expertise of We can assist you. We offer a great search system which assist you buy best insurance for travel in just a few steps. Our reliable, innovative and advanced search system enables comparison of policies with prices and beneficiaries in just a few clicks. Choosing a suitable travel insurance best fitting the budget and requirement just got easier with us!.

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Home Insurance

Home insurance, also commonly called hazard insurance or homeowner's insurance (often abbreviated in the real estate industry as HOI), is the type of property insurance that covers private homes. It is an insurance policy that combines various personal insurance protections, which can include losses occurring to one's home, its contents, loss of its use (additional living expenses), or loss of other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home or at the hands of the homeowner within the policy territory. It requires that at least one of the named insureds occupies the home. The dwelling policy (DP) is similar, but used for residences which don't qualify for various reasons, such as vacancy/non-occupancy, seasonal/secondary residence, or age.

The home insurance policy is usually a term contract-a contract that is in effect for a fixed period of time. The payment the insured makes to the insurer is called the premium. The insured must pay the insurer the premium each term. Most insurers charge a lower premium if it appears less likely the home will be damaged or destroyed: for example, if the house is situated next to a fire station; if the house is equipped with fire sprinklers and fire alarms; or if the house exhibits wind mitigation measures, such as hurricane shutters. Perpetual insurance, which is a type of home insurance without a fixed term, can also be obtained in certain areas.

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Corporate Insurance

Our corporate Insurance , is capable to include end-to-end Insurance Solutions and Services to corporates. We cater to the Corporate Insurance and Risk Management needs for Large Industrial Houses, Medium Scale Companies and SMEs.

Provide Comparative and Competitive Quotes from Insurance Companies
Assist in Policy Administration
Personalized Claims Assistance