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What is general insurance?

General insurance (also called non-life insurance) protects your assets, health and liabilities against unexpected events — accidents, illness, theft, fire, floods and travel emergencies. Unlike life insurance, it covers things rather than people, and most policies renew annually. IRDAI regulates all general insurers in India.

General insurance coverage

Insurers on panel

20+

health, motor, travel & more

Why general insurance

Four things cover actually does.

Asset protection

Your car, home and business are your biggest, hardest-to-replace assets. Cover repairs or replacement instead of paying out of pocket for accident, fire, theft or natural calamity.

Health cost protection

Medical inflation runs at 12–14% a year. Cashless hospitalisation at 10,000+ hospitals means one health emergency doesn't undo years of savings.

Legal & liability compliance

Third-party motor cover is mandatory by law. The right liability cover also protects you from the financial fallout of a lawsuit or property damage claim.

Claims support, not just a policy

A cheap premium means little if the claim gets stuck. Our dedicated claims desk handles paperwork, TPA coordination and escalations end-to-end.

Our general insurance products

Complete cover, category by category.

Motor Insurance

Cashless claims for car & two-wheeler

Know more →

Health Insurance

Cashless hospitalisation, family & individual

Know more →

Personal Accident

Income protection against disability

Know more →

Fire & Burglary

Structure, contents & burglary cover

Know more →

Travel Insurance

Domestic, international & student cover

Know more →

How it works

From conversation to cover in days, not weeks.

01

Understand your risk

We map your assets, liabilities, family profile and city to identify exactly which covers you need — and which you don't.

02

Compare 20+ insurers

Side-by-side comparison of premium, exclusions, claim settlement ratio, hospital network (health) and cashless garages (motor).

03

Same-day issuance

Most health and motor policies are issued digitally within hours. Hard-copy documents couriered within 5 working days.

04

Renewal & claims

Reminders 30 days before renewal. Re-pricing every 2 years. Claims desk available 7 days a week. No fine print surprises.

Frequently asked

Common questions, honestly answered.

A family floater policy covers all members under a single sum insured (e.g., ₹10L shared by 4 members). An individual policy gives each member their own sum insured. Floaters are cheaper but risky if multiple members claim in the same year. We recommend individual policies for families with elderly members or known chronic conditions.
Yes — almost always. Employer group health cover typically provides ₹3–5L and ceases when you leave the company. A personal super top-up plan (kicks in after a threshold) gives you ₹20–50L additional cover at ₹3,000–8,000/year. One of the best-value insurance buys available.
For vehicles under 5 years old, yes. Without zero-dep, insurers deduct depreciation on rubber, plastic and glass parts (up to 50%) during claim settlement. Zero-dep eliminates this deduction. The add-on costs ₹2,000–6,000/year but saves ₹15,000–40,000 in a mid-size accident claim.
Cashless means the insurer pays the hospital directly — you pay nothing except non-covered items. You must use a network hospital. At admission, show your health card and Aadhaar. The TPA authorises the claim (usually within 2–4 hours). Our team handles escalations if authorisation is delayed.
It's cheaper than you think (₹150–400 for a 7-day domestic trip) and covers trip cancellation, flight delays, emergency hospitalisation and lost baggage. Given the rise in cancellations post-Covid, domestic travel insurance is increasingly worth it.
Yes — IRDAI allows portability without losing waiting-period credits. You must apply for porting at least 45 days before renewal. We handle the entire porting process, compare new insurer options and ensure you don't lose accumulated no-claim bonuses.
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