Life Insurance
Life insurance is an arrangement between an insurance policyholder and an insurer or provider where, after the death of an insured individual, the provider agrees to compensate a specified recipient an amount of money in return for a premium.
Insurance can be helpful in meeting your as well as your family’s different financial goals. Here are some of the essential financial security against loss of life that ensures that your family can support itself in your absence.
- Child’s Education
- Child’s marriage
- Buying a house pension
- Daily post-retirement income
- Post-retirement income for NRIs
These are some of the financial goals that you can achieve with life insurance assistance. What’s more, life insurance policies are versatile.
If a child, a spouse, a life partner, or a parent depends on you and your income, you need Life Insurance.
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Life Insurance
Life insurance is an arrangement between an insurance policyholder and an insurer or provider where, after the death of an insured individual, the provider agrees to compensate a specified recipient an amount of money in return for a premium.
Insurance can be helpful in meeting your as well as your family’s different financial goals. Here are some of the essential financial security against loss of life that ensures that your family can support itself in your absence.
- Child’s Education
- Child’s marriage
- Buying a house pension
- Daily post-retirement income
- Post-retirement income for NRIs
These are some of the financial goals that you can achieve with life insurance assistance. What’s more, life insurance policies are versatile.
There is no doubt that life insurance is a must have for everyone. Hence its very crucial to have a complete understanding of the value a life insurance policy can bring in to your life and that of your loved ones.
A life insurance policy is actually a contract with a insurance company. A lump sum amount is provided, in exchange for premium payments, known as the death benefits, to the nominees or beneficiaries upon the death of the insurer.
It ensures that your family is taken care of in your absence. It not only helps in providing coverage for all sorts of risks, but builds an opportunity to help you grow your investments. Life insurance is a long term investment tool that helps you meet future costs like children’s education expenses, retirement expenses etc.
Life insurance is of significant importance if you wish to protect your family or dependents from any economic hardship in your absence.
It’s not an expense-many people think of it as one & choose to completely even consider its importance. It’s an very essential tool that will help you build wealth and at the same time offer complete protection to you and your family.
There is no two way about what an individual wants – financial security & protection; for which life insurance is the best option available. There are multiple advantages to availing a life insurance plan:
- Offers Risk Cover
- Death Benefits
- Tax Benefits
- Loan Facility
- Assured Returns/Income Benefits
- Life Stage Planning
- Safe Investment
Health Insurance
Health insurance is an insurance covering the entire or part of a person’s risk of incurring medical expenses, spreading the risk across many people.
Medicare or health-care premiums are rising year after year. In fact medicare inflation is higher than food and other articles inflation. Although food and clothing inflation is in single digits, the cost of medicines generally rises in double digits.
Arranging for funds at the eleventh hour can be a challenge for any person who hasn’t saved that much money. Hence, having a health insurance saves you from this trouble and ensures at crucial times you need not worry about the finances.
In today’s fast paced lives that we live and in a race to excel in everything, we forget one of the most important asset we own i.e. our health. Due to various habits & changing lifestyles, health related concerns have just become increasingly alarming. We may not be to go back to slow down the pace of our lives but can definitely guard ourselves from its side effect. Here’s when an efficient health cover comes handy so that any sudden illness doesn’t derail our financial freedom.
A family health insurance plan is a comprehensive insurance cover against financial risks for more than one individual in a family, during a medical emergency. It offers a specified coverage amount for a single premium payable annually.
Click on the links below to access Brochures.
1. Care – Global Care
2. Care Advantage
3. Care – Full Brochure
4. Care Details
5. Care HNI – Single Fold
6. Health Care
It is a complete health insurance plan for patients suffering from High BP, diabetes, or high BMI. With it, you do not need to worry about your treatment costs. We will be taking care of them while you take care of your health.
Click below links to access Care Freedom Brochures.
1. Care Freedom
2. Care Freedom for Diabetes
Health Insurance for senior citizens is designed to offer financial aid for medical treatments to individuals over 60 years of age in their hour of need. Senior citizen health insurance plans offer critical illness cover, cashless hospitalisation, pre-existing disease cover, and a higher sum assured.
Click below links to access Care Senior Brochure.
1. Care Senior Brochure
We have designed Enhance – a high deductible Super Top Up health insurance for you and your family. With Enhance, you have that extra safety net of insurance coverage which works on the principle of policy deductible.
Click links below to access Care Enhance Brochure.
1. Care Enhance
Maternity health insurance plan or pregnancy insurance is designed to provide coverage for the entire maternity-related expenses. A viable option to take care of these expenses is through maternity insurance. We, at Groright, designed a maternity health insurance plan – JOY with love and understanding.
Click below links to access Care JOY Brochures.
1. Care Joy 1
2. Care Joy 2
Cancer Insurance: This plan provides coverage irrespective of the stage of the disease or type of cancer. Since cancer treatments cost lacs of rupees, a lot of people opt for these insurance plans to stay secured from these expenses.
Critical illness: Critical illness insurance is also known by other terms such as dread disease policy. It is one of the most critical insurance policies one should opt for these days.
Click below links for Brochures.
1. Cancer Insurance
2. Critical Illness Insurance
3. Super Mediclaim
Health insurance should be a given for every citizen.
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When travelling carry only bags ... not tension
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Travel Insurance
Travel insurance is a product you are buying that protects you from any financial costs and damages that may arise during travel. These losses can be minor, such as a delayed suitcase, or significant, such as a last-minute cancellation of a trip or an overseas medical emergency.
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.
The basic worries of travelers include stolen baggage, lost passports, cancelled flights and trip delays. These mishaps can spoil perfectly planned vacations.
Exclusions:
Exclusions:
- Pre-existing conditions resulting to hospitalization
- Damage or loss of keys
- Trains or flights missed because of civil war/local protests
- Luggage delay Expenses incurred because of civil unrest or local protests Customers should note that exclusions vary from one policy to policy.
Various plans are available according to every individual’s travel needs:
- Corporate Travel Insurance -> Under this plan, employees of an organization can receive coverage for both domestic and international trips.
- Domestic Travel Insurance -> In this type, coverage is offered for death, medical emergencies, permanent disability, personal liability, delays, and lost/theft of checked-in luggage.
- International Travel Insurance -> It gives a comprehensive coverage for medical costs overseas, trip delays, loss of travel documents besides the regular coverage.
- Senior Citizen Travel Insurance -> This plan covers people in the age group 61-70 years. Besides providing general advantages, it also gives cashless hospitalization coverage and dental treatments.
- Student Travel Insurance -> This comprehensive cover is suitable for expenses incurred because of medical treatment, study interruptions and passport loss.
- Individual Travel Insurance -> Under individual travel plan, insured is covered against trip curtailment, trip cancellation and theft.
- Family Travel Insurance -> It covers baggage loss, hospitalization expenses and other incidental costs. The claim disbursement is not difficult with less paperwork involved.
- Multi Trip Insurance -> This type of travel insurance is offered to frequent travelers so that they don’t have to apply for insurance every-time they travel.
- Single Trip Insurance -> As the name suggest, this type of cover is provided only for the duration of the trip. It also covers medical & non-medical emergencies along with baggage loss situations.
- Coverage offered for medical expenses.
- Coverage for expenses related to trip delays
- Coverage for loss of passport and luggage
- For contingencies related to personal possession
With international travel trips constantly increasing these days, it is most important to buy an international travel insurance plan. The international travel insurance plan offers the insured person with a variety of coverages that may be in good due to medical emergencies cancellation of the trip delay is caused due to various reasons, etc.
Click below links for Brochures.
1. Explore
2. Explore One Pager
3. Student Explore
Travel Insurance
Travel insurance is a product you are buying that protects you from any financial costs and damages that may arise during travel. These losses can be minor, such as a delayed suitcase, or significant, such as a last-minute cancellation of a trip or an overseas medical emergency.
Motor Insurance
Motor insurance is car insurance scheme. It may include Two-Wheeler Insurance and Auto Insurance. Commercial Vehicle Insurance protects vehicles which are used for commercial purposes, such as buses and trucks.
Car insurance policy covers the following: Damage resulting from human interference, including robbery, fraud, disturbances, strike or some other crime arising from malicious intent or legal liability of third parties due to negligence (both physical harm and death) caused to third parties as well as financial losses to a third-party property are also covered in few of the motor insurance policies.
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.
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.
- Policy protection against loss or damage to the covered vehicle
- Coverage against financial liability caused due to injury or death of a third party or damage to the property.
- Personal Accident Coverage.
- Car Insurance -> This insurance gives coverage against accidental damage or losses to the holder’s vehicle or third party. The amount of premium depends upon the make of the car, manufacturing year, value & state of registration.
- Two Wheeler Insurance -> This type of insurance is for scooters, bikes & features are similar to that of four-wheeler insurance.
- Comprehensive Coverage -> This type of coverage offers complete package policy wherein any damages to the vehicle will be covered up to the Insured Declared Value. Any third party property damage or third party injury/death can be covered. Policyholders feel less stressful as it gives end-to-end coverage.
- Third Party Liability Coverage ->Under the Motor Vehicles Act, third party liability coverage is legally mandatory. This type of motor insurance offers coverage against all legal liabilities to a third party caused when insured vehicle owner is at-fault. It insures injury/damage caused by policyholder to third person/property.
- Collision Coverage -> It financially protects the policyholder against damage of insured’s own car. Collision coverage pays the policyholder for damage caused because collision which generally occurs due to an accident.
- Add-On Riders -> Add-on riders doesn’t take the depreciation value of the parts & allows you to receive the entire claim amount. It is generally available for cars under five years & allows eligibility to claim full amount for replacing/changing any damaged parts of your vehicle.
- General ageing, wear and tear
- Damage by a person driving without a valid driving license
- Mechanical or electrical breakdown, failure
- Damage by a person driving under the influence of Liquor/Alcohol/Drugs
- Depreciation, any consequential loss
- Loss /Damage attributable to War /Mutiny /Nuclear risks
- Damage to tyres and tubes are excluded unless the vehicle is damaged at the same time. In such circumstance, the liability of the company shall be limited to 50% of the cost which includes replacement Loss /Damage
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Motor Insurance
Motor insurance is car insurance scheme. It may include Two-Wheeler Insurance and Auto Insurance. Commercial Vehicle Insurance protects vehicles which are used for commercial purposes, such as buses and trucks.
Car insurance policy covers the following: Damage resulting from human interference, including robbery, fraud, disturbances, strike or some other crime arising from malicious intent or legal liability of third parties due to negligence (both physical harm and death) caused to third parties as well as financial losses to a third-party property are also covered in few of the motor insurance policies.
Car insurance policy covers the following: Damage resulting from human interference, including robbery, fraud, disturbances, strike or some other crime arising from malicious intent or legal liability of third parties due to negligence (both physical harm and death) caused to third parties as well as financial losses to a third-party property are also covered in few of the motor insurance policies.
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Property / Fire Safety Insurance
Home insurance provides home cover against certain threats, such as fire, robbery and some weather damage. This includes specialized insurance types such as fire insurance, flood insurance, earthquake insurance, and home
The property insurance usually covers the costs of all the damage caused by fire, burglary, water, smoke, snow, lightning etc. However, home insurance does not cover any damage caused by water caused by floods, water ingestion, standing water, tsunamis, cyclones, etc. Some of the property insurance coverage also prevents damages from disasters, molds, and war actions such as terrorism, etc.
Personal Insurance
We are all vulnerable to the dangers of day-to-day life injuries. Despite all necessary precautions, there are injuries that can lead to injury or loss of limbs or even death at times. In the event of insured suffering injury, this policy offers insurance exclusively and directly from an incident caused by serious, observable and external means, resulting in death or disability whether temporary or permanent.
Personal insurance would mean the following:
- Protection of the principles of human life against the effects of death, disability, disease or accidental expenses thereof.
- Policies obtained for personal or family security purposes in relation to corporate property or interest policies.
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.
- Substantial coverage offered with low premium
- Double indemnity for disability for mishaps occurred while traveling in public transport
- Easy claim process
- Highly customized plan available
- World wide coverage
- Can be bought for individual & family
- Child education advantage
- No requirement of medical tests & documentation
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Property / Fire Safety Insurance
Home insurance provides home cover against certain threats, such as fire, robbery and some weather damage. This includes specialized insurance types such as fire insurance, flood insurance, earthquake insurance, and home
The property insurance usually covers the costs of all the damage caused by fire, burglary, water, smoke, snow, lightning etc. However, home insurance does not cover any damage caused by water caused by floods, water ingestion, standing water, tsunamis, cyclones, etc. Some of the property insurance coverage also prevents damages from disasters, molds, and war actions such as terrorism, etc.
The property insurance usually covers the costs of all the damage caused by fire, burglary, water, smoke, snow, lightning etc. However, home insurance does not cover any damage caused by water caused by floods, water ingestion, standing water, tsunamis, cyclones, etc. Some of the property insurance coverage also prevents damages from disasters, molds, and war actions such as terrorism, etc.
