General Insurance

What is General Insurance

General Insurance is any Non-life Insurance which can be availed to safeguard yourself and your possessions which have considerable value

General Insurance Plans provide financial protection from the impact of fire, storm, flood, earthquake, car accidents, theft etc. It also provides a cover for expenses spent on legal actions. In short, you have the option to choose the right type of cover and the right type of insurance policy as per your requirements.

For individuals, General Insurance can be availed to provide financial protection to safeguard your Health, Home, Vehicles, and other valuables. For corporates, General Insurance can be availed to provide financial protection to safeguard your business, factories, employees health etc.

The tenure for General Insurance is normally yearly or even for a particular time to cover a risk.

Health Insurance Plans

Health Insurance

Medical care is becoming expensive, and most often people meet it by either dipping into their savings, or, at times, by selling their assets or resorting to borrowings.
An efficient health insurance plan comes in handy so that any sudden illness does not derail our financial freedom. You can safeguard your finances by opting for complete protection for you and your family by getting adequate health cover as per your requirements.
Health Insurance is a type of insurance that covers the insured's medical /surgical / hospitalisation expenses. Depending on the policy terms and conditions, the insurer either reimburses the insured or offers cashless facility at the listed network of hospitals tied up with by the Insurance Company.
  • Hospitalization expenses (In-patient Treatment)
  • Pre & Post Hospitalization Benefit
  • Individual and floater cover for your entire family.
  • Cashless Treatment
  • Day Care Treatment, etc.
  • AYUSH (Ayurvedic, Unani, Siddha & Homeopathy) Benefit

Add-on Covers

  • Waiver of Room Rent Capping
  • Maternity Cover
  • Critical Illness cover
  • Hospital Cash
Best Motor Insurance Policies - General Insurance Plans

Motor Insurance

As per the Motor Vehicles Act, 1988, all vehicles running on Indian roads have to be mandatorily insured. Motor insurance companies allow you to choose the type of coverage you want to opt for.

There are two types of motor insurance - Third Party Liability Cover and Comprehensive Motor Insurance Policy.

  • Coverage for third party liabilities i.e. Damage to another person’s vehicle or property, bodily injuries and permanent disability during an accident
  • Mandatory cover as per the law

  • Provides coverage for third-party liability and also for your vehicle
  • Damage to another person’s vehicle or property, bodily injuries and permanent disability during an accident
  • Damage to your vehicle
  • Damage to your vehicle
  • Provides coverage for third-party liability (Damage to another person’s vehicle or property, bodily injuries and permanent disability during an accident)
  • Optional ‘Nil Depreciation Cover’ to Certain model of Vehicles
General Insurance | Home Insurance

Home Insurance

Owing a house is everyone’s dream come true. Once you are a homeowner, taking an insurance for your home provides

  • Financial protection to the building/flat and for all the belongings in the house
  • Coverage helps pay to repair or replace your home and belongings
  • Damages by certain perils, fire or theft
  • Also help cover costs if you accidentally damage another person's property or if a visitor is injured at your home
  • Long Term Cover up to 25 years
  • Covers Natural Calamities like Floods, Storms, Cyclones & Earthquakes
  • Cover Against Burglary and Theft
  • Covers Fire, Riots, Strikes and Terrorism
  • Covers Accidental Damages
  • Alternate Accommodation Expenses (Optional Cover)
  • Not expensive
  • Gives peace of mind
Travel Insurance & Overseas Mediclaim Plan - General Insurance Policies

Travel Insurance / Overseas Mediclaim

Travel insurance would help you tackle all the travel and medical contingencies while you travel abroad. It is of utmost importance to add travel insurance to your checklist while you plan your vacation, be it for leisure or business.

Helps meet expenses related to -
  • Flight delay
  • Loss of baggage
  • Loss of passport
  • Medical emergencies
  • Emergency dental expenses
  • Hospital cash allowance
  • Accidental death
  • Hijack distress allowance
  • Financial emergency assistance, etc.
  • Repatriation of mortal remains back to home country
Commercial Insurance | Choose the best General Insurance Policies

Commercial Insurance

An Office Package insurance provides Comprehensive protection to your office property. It also covers office building and contents against the hazards of fire and allied perils like riots, strikes, floods, earthquakes, explosion/implosion and impact damage.

It also covers risk of burglary, housebreaking theft and unfortunate events such as loss of money in transit or fidelity guarantee (dishonesty of employees)

Key Benefits
  • Policy package is designed as per corporate insurance requirements
  • Helps avoid serious financial implication to your business
  • You can focus on your business and ensure its smooth functioning

Covers pecuniary loss sustained as a result of act of fraud or dishonesty in respect of monies or goods of the employer committed by the employees in the course of performance of their duties

Covers loss of money in transit between the insured's premises and bank or post office, or other specified places occasioned by robbery, theft or any other fortuitous cause.

Also covers loss by burglary or housebreaking whilst money is retained at Insured's premises in safe(s) or strong room

This Policy covers loss or damage to the plate glass occasioned by accidental breakage. The covers applies to plate glass, glass doors, windows and glass frontage of buildings.

The Policy can be extended to cover Frames and framework up to a specific limit but only as a consequence of breakage of insured glass.

Coverage available to all private individuals or entities collecting and maintaining an art collection on a non-commercial basis

Also for commercial gallery owner or private dealer, for consigned items or those owned by them. Accidental loss or damage to the insured art piece(s), including when the art is in transit

This is a package policy specially designed for jewellers & diamantaires i.e. those establishments dealing solely in diamonds.

Jewellers premises are categorized into Class I, II or III depending upon the type of security provided for the premises.

Discount in premium is available in case the premises have special protection devices like built-in vaults, strong rooms, closed circuit T.V. or armed guards.

  • Marine Cargo Insurance covers transits by Water, Air, Road or Rail, Registered Post Parcel, Courier or a combination of two or more of these.
  • Who can take a Marine Cargo Insurance Policy:
    • Buyers, Sellers, Import/Export merchants, Buying Agents, Contractors and Banks etc.
  • How Marine Cargo Insurance helps:
    • Cargo can be damaged on exposure to a wide variety of risks, including an accident of the vehicle carrying the cargo, damage due to jolts, jerks etc.
General Insurance Policies | Industrial Insurance - Sakthi Pelican Insurance

Industrial Insurance

  • Covers damages to assets due to fire and other special perils like lightning, explosion / implosion, impact damage, aircraft impact, bursting / overflowing of water tanks / pipes / apparatus, sprinkler leakage, storm, cyclone, typhoon, hurricane, tempest, tornado, flood, inundation, subsidence, landslide (including rock slide), riots, strikes, malicious damage, missile testing operations.
  • Option to cover Burglary and Terrorism risks.
  • Designed to cover loss or damage to the property insured by theft following actual, forcible and violent entry into the premises
  • Also covers cash, valuables, securities kept in a locked safe or cash box in locked steel cupboard on specific request.
  • Possible to extend the policy to include loss of the insured property to cover burglary as a result of riot & strike risks & theft and larceny not accompanied by violent ingress or exit
  • Designed to give financial protection to the Civil Engineering Contractors in the event of an accident to the civil engineering works under construction
  • The policy comprises of 2 sections:
  • Section I-Material Damage-covering physical loss, damage or destruction of the property insured by any cause, other than those specifically excluded in the policy.
  • Section II-Third Party Liability-covering the legal liability falling on the insured contractor as a result of bodily injury or property damage belonging to a third party.
  • Covers all machinery used for handing material or construction at project site.
  • Covers sudden, accidental, external damage to the insured machinery due to any cause other than those specifically excluded in the policy.
  • Covers machinery in operation or idling or while being dismantled for the purpose of cleaning or overhauling or being shifted within the premises
  • Specially designed policy covers accidental loss or damage to non-portable and immobile electronic equipment.
  • Covers entire range of Electronic Equipment from a Computer to sophisticated gadgets like EPABX, EDP Machines, etc.
  • Covers sudden and unforeseen accidental damage to machinery
  • Machinery can be at work or idling
  • Machinery being dismantled for cleaning / overhauling and in course of these operations being shifted within specified premises or being re-erected subsequently also covered.
General Insurance Policies - Liability Insurance

Liability Insurance

  • Provides comprehensive insurance cover to an individual or business to pay for the losses that could arise in case of Cyber Attacks
  • Coverage of Financial Losses
  • Coverage of Expenses incurred
  • Legal Fees for claiming damages from third party
  • Restoration costs of the Insured’s computer system due to damage caused by Malware
  • Coverage of the expenses of a certified psychiatrist, psychologist or counsellor to treat the Insured for stress, anxiety
  • Coverage of the cost of hiring an IT consultant in order to prove the amount and the extent of the cyber-attack and losses attached to it
  • Covers directors or officers when they are sued for damages for allegedly taking wrong decisions.
  • Covers
  • Covers damages awarded against the directors
  • Covers defence costs
  • Covers criminal allegations but only if the director is found innocent
  • Such liabilities may arise out of legal action from Shareholders, Investigation by regulatory bodies, Competitors, Consumers and Clients, Employees, Third parties.

Covers liability falling on professionals as a result of errors and omissions committed by them while rendering professional service.

  • Covers all sums (inclusive of defence costs) which the insured becomes legally liable to pay as damages as a consequence of:
  • Accidental death / bodily injury or disease to any third party.
  • Accidental damage to property belonging to a third party.
  • Arising out of any defect in the product manufactured by the insured and specifically mentioned in the policy after such product has left the insured's premises.

Covers the amount which the insured becomes legally liable to pay as damages to third parties as a result of accidental death, bodily injury, loss or damage to the property belonging to a third party.

Covers the owner's statutory liability on no-fault principle for death or injury to any person or damage to property resulting from an accident while handling any hazardous substance.

In terms of Public Liability Insurance Act, 1991, all "owners" "handling" "hazardous substances" are compulsorily required to take an insurance policy to the extent laid down in the Act.

Best General insurance for Individual Plans

General Insurance - Group Plans

  • Cover for group of persons and normally taken by an Employer for their Employees to meet their medical expenses
  • Cover may also be extended to family like Employee’s Spouse & their Children.
Benefits of Group Mediclaim:
  • Cover is on Family Floater basis and the total amount can be used for any single family member also.
  • Hospitalization – Minimum 24 Hrs. hospitalization is required to be eligible for the claim. All the expenses including Room rent, Doctor Fees, Medicines, Lab Reports, Anaesthetist fees, Surgeon Fees, OT Charges will be paid by the Insurance Company.
  • No Sub-Limits & No Co-payment on the claim settlement as it is the Group Policy
  • Pre & Post Hospitalization expenses covered for 30 days & 60 days respectively
  • No waiting period such as 30 days, 1, 2 & 4 Years for any claim.
  • Pre-Existing Disease will be covered from day one.
  • Maternity Benefit can be payable for Normal & C’ Sec and up to two children only. Pre & Post Natal is covered within the Maternity Limit.
  • Day Care Procedures are covered
  • Any addition for New Employee, Spouse and Children would be allowed within 45 days of date of Joining, Marriage/Birth respectively.
  • As it is a tailor made policy, customisation is possible.

Provides complete cover in the event of death or disablement of the insured due to accidents

  • Accidental Death benefit
  • Permanent Total Disablement benefit
  • Permanent Partial Disablement benefit
  • Temporary Total Disablement - Weekly compensation
  • Education Benefit
  • Accidental Hospitalization – No sub-limits on any expense and room rent restrictions
  • Ambulance Charges
  • Cashless Card for Accidental Hospitalization
  • Tailor made policy, it can be customised to meet special requirements.

Covers payments to be made under the Indian Workmen's Compensation Act, 1923 as compensation by the employer to his employees (or their dependents in the event of fatal accidents) if personal injury is caused to them by accidents arising out of and in the course of their employment.

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