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1. General Insurance Offering
In our general insurance covers, we cover a wide range of specific needs, to including:
Legally mandatory in many places, this covers loss or damage to your vehicle (car, motorcycle, commercial vehicle) and also covers legal liability for injury or property damage to a third party involved in an accident. We also offer PSV covers.
This product covers medical and surgical expenses incurred due to illness or injury, including hospitalization, pre- and post-hospitalization costs, and sometimes critical illness.
Protects the structure of your house (building) and its contents (furniture, electronics, valuables) against perils such as fire, theft, floods, storms, and other damages.
Offers coverage for unexpected events during travel, such as trip cancellations, lost luggage, flight delays, and emergency medical expenses while abroad.
Provides financial compensation in the event of accidental bodily injuries, disability, or death, which can be extended to cover medical expenses or funeral costs.
Primarily for businesses and professionals, this protects against the financial impact of claims for personal injury or property damage made by a third party as a result of business activities or professional negligence (Professional Indemnity).
2. Life Insurance Offering
Life insurance policies serve either a pure protection function, an investment function, or a combination of both.
This provides coverage for a specific period, such as 10, 20, or 30 years. It is generally the most affordable option and does not accumulate a cash value. The payout is made only if the insured dies within the specified term.
This specialized term insurance is linked to loans or mortgages. The policy ensures the outstanding debt is paid off if the insured dies before repayment is complete, preventing the burden from falling on beneficiaries. Group Life Insurance: Typically offered by employers, unions, or associations, this provides life cover to a group of people, often at a lower cost than individual policies and usually without individual medical exams.
This type of limited insurance (often a rider or stand-alone policy) pays out only if death occurs as a result of a covered accident.
These policies are designed to specifically cover funeral and burial costs, providing timely financial support during a difficult time.
These policies offer lifelong protection and build a cash value over time, which the policyholder can access through withdrawals or loans.
This provides permanent, lifelong coverage with a fixed premium and a cash value that grows at a guaranteed rate.
This provides permanent, lifelong coverage with a fixed premium and a cash value that grows at a guaranteed rate.
This offers more flexibility than whole life, allowing the policyholder to adjust premiums and death benefits. The cash value earns interest, which can vary depending on the type (e.g., variable, indexed).
These contracts pay a lump sum after a specific term (e.g., 15 or 20 years) or upon the insured's death, whichever comes first. They are often used as a systematic savings tool for long-term goals like a child's education or a home purchase.
Though a different product, life insurers offer annuities, which provide a guaranteed lifetime income stream, often purchased with a lump sum at retirement.
3. Medical Insurance Offering
Medical insurance products generally offer coverage for healthcare costs, with common plan types including individual, family, senior, and corporate plans. These covers provide financial protection against unexpected medical expenses, from routine consultations to hospital stays. Core Benefits Most medical insurance plans are built around core benefits, which are typically divided into the following categories:
This is the foundational coverage and often mandatory in many regions. It covers expenses related to hospitalization, such as hospital accommodation, theatre charges, surgical appliances, doctor's fees, diagnostic tests (X-rays, scans, lab tests), prescribed medications, and post-hospitalization follow-up care.
This benefit covers non-admission cases and can be added to the inpatient plan. It typically includes general practitioner and specialist consultations, laboratory investigations, prescription medicines, and minor procedures.
Many plans offer coverage for newly diagnosed and pre-existing conditions, including illnesses like cancer and HIV/AIDS, though these may be subject to specific sub-limits depending on the plan.
3.1 Additional and Specialized Coverage
Insured individuals can often customize their plans with added benefits:
Coverage for normal and C-section deliveries, as well as pre- and post-natal care and ultrasounds.
Routine dental check-ups, extractions, and optical services (e.g., eye exams, glasses) are often available as add-ons within the outpatient limit.
Many insurers offer benefits like annual health check-ups, vaccinations, and cancer screenings to help members stay healthy.
This often includes emergency ambulance services and, in some comprehensive or international plans, worldwide emergency medical evacuation and repatriation.
A growing number of plans offer support for mental wellness, including psychological counseling sessions and depression treatment support.
For expatriates or frequent travelers, some insurers provide comprehensive global medical coverage.
