Insurance India

Life is a roller coaster ride and is full of twists and turns. You cannot take anything for granted in life. Insurance policies are a safeguard against the uncertainties of life. Insurance is system by which the losses suffered by a few are spread over many, exposed to similar risks. Insurance is a protection against financial loss arising on the happening of an unexpected event. Insurance policy helps in not only mitigating risks but also provides a financial cushion against adverse financial burdens suffered.

What Is Insurance?
Insurance is a contract between two parties, the insurer or the insurance company, and the insured, the person seeking the cover. Within this contract, the insurer agrees to pay the insurer for financial losses arising out of any unforeseen events or risk in return for a regular payment of premium. Thus, these insurance plans are also called as a Risk Cover Plans, which means to financially compensate for losses that occur uncertainly through accident, illness, theft, natural disaster. As you can not fight against these man-made and natural calamities, so at least be prepared for them and their aftermath by taking insurance policy.

Insurance Act in India
The insurance sector in India was private and unregulated at its start in the early 19th century, then it was put fully under state control, and now it is partly deregulated allowing private players. When the first insurance company was started in 1818 there was no insurance act in India. The Insurance Act of 1938, which was revised in 2002, is the major act that governs matters related to insurance in India.
.The Purpose of the Act of 1938
The purpose of the Insurance Act of 1938 was to safeguard the interest of the insured. It also aims at setting the norms for carrying out the business of insurance smoothly, minimizing disputes. The law clearly defines who can be an insurer, what services the insurer will provide service to the insured, who will verify insurance claims, and where matters will be settled. Several amendments have been added through the years.
Insurance Amendment Act 1950
There were many private insurance companies in India prior to 1950. They resorted to unfair trade practices despite the presence of the Insurance Act of 1938. This forced the government to bring them under state control. A total of 245 insurers came under the government fold in 1956. The insurance sector in India was completely under state control until 1990, when it was again opened for private companies.
The Insurance Act of 1968 and 1972
The act of 1968 regulated investment and mandated the amount of reserves insurance companies needed to maintain. With the act of 1968, the job of insurance surveyor got a legal status in India. The Act of 1972 nationalized general business. Four major nationalized insurance companies were formed after amalgamating 107 insurance companies.
Insurance Regulatory and Development Authority Act of 1999
With this ac,t the Indian insurance sector was deregulated. Private insurers were allowed to operate. The Insurance Regulatory and Development Authority (IRDA) was formed to regulate the activities of private insurance companies. This act also allowed foreign companies to provide insurance to Indians.
Insurance Act in India and the Present Scenario
Giant insurance companies from the United States and United Kingdom are eyeing the huge untapped insurance market in India. It is incumbent upon the Indian government to provide a level playing field to all insurance companies.

 At the same time, many of these companies have histories of misconduct in sales practices and misrepresentation of facts. They have coughed up billions of dollars in lawsuits filed by policyholders.

Insurance - Kind of Investment
Insurance is an attractive option for investment but most people are not aware of its advantages as an investment option. Remember that first and foremost, insurance is about risk cover and protection. By buying life insurance, you buy peace of mind. Insurance also serves as an excellent tax saving mechanism. The Government of India has offered tax incentives to life insurance products in order to facilitate the flow of funds into productive assets.

Types of Insurance
Insurance policies cover the risk of life as well as other assets and valuables, such as, home, automobiles, jewelry et al. On the basis of the risk they cover, insurance policies can be classified into two categories: Life Insurance and General Insurance. As the term suggests, Life Insurance covers the risk involved in a person's life, while General Insurance provides financial protection against unforeseen events, like accident, flood, earthquake, disease, etc.

Insurance Regulatory & Development Authority
Insurance Regulatory & Development Authority is regulatory and development authority under Government of India in order to protect the interests of the policyholders and to regulate, promote and ensure orderly growth of the insurance industry.

 

Types of Insurance in India
.Insurance in India can be broadly categorized into two types: life and general. Life insurance can be further classified into term life insurance, whole life insurance, money back plan, endowment policy and pension plan. Health, home, accident, motor and travel insurances fall under the general insurance category. State-owned companies like Life Insurance Corporation of India, as well as private insurance providers, like ICICI Prudential and Bajaj Allianz, provide life and general insurances in India.
Term Life Insurance Policy
As its name implies, term life insurance policy is for a specified period. It lets you select the length of time for which you want coverage, up to a period of 35 years. It has one of the lowest premiums among insurance plans and also carries an added advantage of fixed payments that do not increase during your term. In case of the policy holder's untimely demise, the benefit amount specified in the insurance agreement goes to the nominees.
Whole Life Insurance Policy
Whole life insurance policies do not have any fixed term or end date and is only payable to the designated beneficiary after the death of the policy holder. The policy owner does not get any monetary benefits out of this policy. Because this type of insurance involves fixed known annual premiums, it's a good option if you want to ensure guaranteed financial benefits for surviving family members.
Money Back Plan
With a money back plan, you receive periodic payments, which are a percentage of the entire amount insured, during the lifetime of your policy. It's a plan that offers insurance coverage along with savings. A unique feature of the money back plan is that in the event of the policy holder's death during the policy term, the beneficiary will get the full sum assured without having any of the survival benefit amounts, which have already been paid, deducted.
Pension Plan
Pension plans are different from other types of life insurance because they do not provide any life insurance cover, but ensure a guaranteed income, either for life or for a certain period. You make the investment for a pension plan either with a single lump sum payment or through installments paid over a certain number of years. In return, you get a specific sum every year, every half-year or every month, either for life or for a fixed number of years.
Endowment Policy
An endowment policy can be taken out for a specified period. At the end of the stipulated period, the assured amount is paid back to the policy holder, along with the bonus accumulated during the term of the policy. Designed primarily to provide a living benefit, along with life insurance protection, the endowment policy makes a good investment if you want coverage, as well as some extra money.
Health Insurance
Under the general insurance category, health insurance is one of the most popular choices. In India, Mediclaim covers hospitalization, expenses incurred during medical tests and for medicines. You can also get coverage for medical expenses by opting for the 'Critical Illness (CI)' rider available with life insurance policies. This means that in case of a 'critical illness' as defined by the insurance company during the policy tenure, you will be paid the amount as proposed in the policy.

 Insurance Companies Of India

Aviva Life Insurance Company India Ltd
Aviva Life Insurance Company India Ltd. is a private insurance company, formed by a joint venture between the Aviva insurance group of UK and the Dabur group of India. In reference to the government regulations, Aviva holds 26 percent stake and the Dabur group holds the balance 74 percent share in the joint venture. Not only largest in the UK, Aviva is also known as the fifth largest insurance group in the world. Since 1834, Aviva is ensuring the lives of Indians. At the time of nationalization, Aviva was the largest foreign insurer in India in terms of the compensation paid by the Government of India.

Aviva is distinguished for being the first foreign insurance company to set up its representative office in India, in 1995. Aviva Life Insurance Company established the concept of Bancassurance in India, and has leveraged its global expertise in Bancassurance successfully here. The company boasts of 223 branches in India, supporting its vast distribution network. Aviva offers various products that are meant to provide customers flexibility, transparency and value for money. Given here is a complete list of products & services offered by Aviva Life Insurance Company India Ltd.

Whole Life Plans
LifeLong
Aviva Lifeline
Pure Term Plans
LifeShield
Aviva LifeShield Plus
Endowment Plans
LifeBond 5
LifeSaver
SaveGuard
LifeSaver Plus
LifeSaver Super
Freedom LifePlan
Aviva DhanVriddhi
Anmol Suraksha
Aviva Sachin Century
Aviva Money Back
Aviva EasyLife Plus
Aviva Wealth Plus
Single Premium Plans
LifeBond Plus
Pension Plans
PensionPlus
Secure Pension
Aviva Pension Elite
Child Plans
Aviva LittleMaster
Aviva Young Scholar
Health Plans
Aviva Health Plus
Group Plans
Group Gratuity
CreditPlus
LoanSuraksha
CorporateLife
CreditNet
Superannuation
GroupShield
Rural Plans
Amar Suraksha
Jana Suraksha
Contact Address
Aviva Life Insurance Company India Ltd
2nd Floor, Prakashdeep Building
7, Tolstoy Marg
New Delhi - 110001
Website: www.avivaindia.com
 
   
 
Bajaj Allianz Life Insurance Co. Ltd.
Bajaj Allianz Life Insurance Co. Ltd. is a joint venture between Allianz SE, one of the world's largest insurance companies, and Bajaj Finserv. Allianz SE is a leading insurance corporation globally and one of the largest asset managers in the world, that manage assets worth over a Trillion. With over 115 years of financial experience, Allianz SE is present in over 70 countries around the world. Bajaj Allianz is into both life insurance and general insurance. Today, Bajaj Allianz is one of India's leading and fastest growing insurance companies. Currently, it has presence in more than 550 locations with over 60,000 Insurance Consultants.

In June 2008, Bajaj Allianz entered into partnership with Thomas Cook India to provide travel finance. Bajaj Allianz Life Insurance ensures excellent insurance and investment solutions by offering customized products, supported by the best technology. A comprehensive list of policies and products offered by Bajaj Allianz Life Insurance Co. Ltd. is as follows:

Unit Linked Plans
Regular Premium
New UnitGain Super
UnitGain Plus Gold
New UnitGain Plus
New UnitGain
YoungCare
YoungCare Plus
New FamilyGain-R
Single Premium
New UnitGain Premier SP
New UnitGain Plus SP
Pension Plans
Annuity
Pension Guarantee
Retirement
Future Income Generator
Swarna Vishranti
New UnitGain Easy Pension Plus RP
New UnitGain Easy Pension Plus SP
Future Secure
Traditional Plans
Endowment
InvestGain
SaveCare Economy SP
Life Time Care
Super Saver
Money Back
CashGain
Term Plans
Protector
Term Care
New Risk Care
Women Insurance Plans
House Wives
Working Women
Health Plans
Care First
Health Care
Family CareFirst
Children Plans
ChildGain
Group Plans
Non Employer Employee
Credit Shield
Group Term Life(Non Employer Employee)
Group Suraksha
Swayam Shakti Suraksha
Group Loan Protector
Group Income Protection
Employer Employee
Group Term Life(Employer Employee)
New Group Gratuity Care
New Group Superannuation Care
Group Save Plus
Group Term Life in lieu of EDLI
Group Leave Encashment Scheme
Group Annuity
Group Superannuation Gold
Group Gratuity Gold
Micro Insurance
Alp Nivesh Yojana
Jana Vikas Yojana
Saral Suraksha Yojana
Other Plans
Family Assure
Fortune Plus
Capital Shield
CenturyPlus II
Contact Address
Bajaj Allianz Life Insurance Co. Ltd.
GE Plaza, Airport Road
Yerawada, Pune - 411006 .
Website: www.bajajallianzlife.co.in
Birla Sun Life Insurance Co. Ltd

Birla Sun Life Insurance Co. Ltd. is a joint venture between Aditya Birla Group, an Indian multinational corporation, and Sun Life Financial Inc, a leading global insurance company. Birla Sun Life Insurance is distinguished as the first company in the sector of financial solutions to begin Business Continuity Plan. This insurance company has pioneered the unique Unit Linked Life Insurance Solutions in India. Within 4 years of its launch, BSLI became one of the leading players in the industry of Private Life Insurance Scheme.

Birla Sun Life Insurance believes in passion, integrity, speed, commitment and seamlessness. The mission of the company is to help people with risk management. It also helps in managing the financial situation of firms as well as individuals. Here is given a comprehensive list of policies and products offered by Birla Sun Life Insurance Co. Ltd.

Protection Plans
Birla Sun Life Insurance Term Plan
Birla Sun Life Insurance Premium Back Term Plan
Saving Plans
Birla Sun Life Insurance Guaranteed Bachat Plan
Birla Sun Life Insurance Money Back Plus Plan
Birla Sun Life Insurance Gold-Plus II
Birla Sun Life Insurance Saral Jeevan Plan
Birla Sun Life Insurance Supreme-Life
Birla Sun Life Insurance Dream Plan
Birla Sun Life Insurance ClassicLife Premier
Birla Sun Life Insurance SimplyLife
Birla Sun Life Insurance PrimeLife Premier
Birla Sun Life Insurance PrimeLife
Birla Sun Life Insurance Flexi Cash Flow
Birla Sun Life Insurance Flexi Save Plus
Birla Sun Life Insurance Flexi Life Line
Birla Sun Life Insurance Single Premium Bond
Health Solution Plans
BSLI Health Plan
BSLI Universal Health Plan
Retirement Plans
Birla Sun Life Insurance Freedom 58
Birla Sun Life Insurance Flexi SecureLife Retirement Plan II
Children Plans
Birla Sun Life Insurance Children's Dream Plan
Rural Plans
Birla Sun Life Insurance Bima Suraksha Super
Birla Sun Life Insurance Bima Dhan Sanchay
Birla Sun Life Insurance Bima Kavach Yojana
Group Plans
Birla Sun Life Insurance Group Unit Linked Plan
Birla Sun Life Insurance Group Protection Solutions
Birla Sun Life Insurance Group Superannuation Plan
Birla Sun Life Insurance Group Gratuity Plan
Birla Sun Life Insurance Credit Guard Plan
Birla Sun Life Insurance Single Premium Group Term Plan
NRI Plans
Birla Sun Life Insurance PrimeLife Premier
Birla Sun Life Insurance PrimeLife
Birla Sun Life Insurance Flexi Life Line Plan
Birla Sun Life Insurance Flexi Save Plus
Birla Sun Life Insurance Flexi Cash Flow
Birla Sun Life Insurance ClassicLife Premier
Birla Sun Life Insurance Single Premium Bond
Birla Sun Life Insurance SimplyLife
Contact Address
Birla Sun Life Insurance Company Limited
Vaman Centre, 6th Floor
Makhwana Road
Off Andheri-Kurla Road
Andheri (East), Mumbai - 400059
Website: www.birlasunlife.com
HDFC Standard Life Insurance Co. Ltd
Established on 14th August 2000, HDFC Standard Life Insurance Co. Ltd. is a joint venture between Housing Development Finance Corporation Limited (HDFC Limited) - India's leading housing finance institution, and a Group Company of the Standard Life Plc, UK. The Company is one of leading private insurance companies, offering a range of individual and group insurance solutions, in India. Being a joint venture of top financial services groups, HDFC Standard Life has adequate financial expertise to manage long-term investments safely and resourcefully.

HDFC Standard Life Insurance offers a range of individual and group solutions, which can be easily personalized to specific needs. Its group solutions have been planned to offer complete flexibility, together with a low charging structure. As of 31 December, 2008, the Company's new business premium income stood at Rs. 1,839.70 Crores; it has covered over 812,811 lives so far. Given below is a comprehensive list of policies and products on offer by HDFC Standard Life Insurance:

Protection Plans
HDFC Term Assurance Plan
HDFC Loan Cover Term Assurance Plan
HDFC Home Loan Protection Plan
Children's Plans
HDFC Children's Plan
HDFC Unit Linked Young Star II
HDFC Unit Linked Young Star Plus II
HDFC Unit Linked YoungStar Champion
Retirement Plans
HDFC Personal Pension Plan
HDFC Unit Linked Pension II
HDFC Unit Linked Pension Maximiser II
HDFC Immediate Annuity
Savings & Investment Plans
HDFC Unit Linked Endowment Plus II
HDFC SimpliLife
HDFC Unit Linked Endowment II
HDFC Unit Linked Enhanced Life Protection II
HDFC Unit Linked Wealth Maximiser Plus
HDFC Unit Linked Endowment Winner
HDFC Endowment Assurance Plan
HDFC Money Back Plan
HDFC Single Premium Whole of Life Insurance Plan
HDFC Assurance Plan
HDFC Savings Assurance Plan
Health Plans
HDFC Critical Care Plan
HDFC SurgiCare Plan
Group Plans
Group Term Insurance Plan
Group Variable Term Insurance Plan
Group Unit Linked Plan - Gratuity
Group Unit Linked Plan - Superannuation
Group Unit Linked Plan - Leave Encashment
Contact Address
HDFC Standard Life Insurance Co. Ltd.
'Trade Star', 2nd floor, 'A' Wing
Junction of Kondivita and M.V. Road
Andheri-Kurla Road
Andheri (East), Mumbai - 400059
Website: www.hdfcinsurance.com
ICICI Prudential Life Insurance Company

ICICI Prudential Life Insurance Company is a joint venture between ICICI Bank, which is one of India's foremost financial services companies, and Prudential plc, which is a leading international financial services group headquartered in the United Kingdom. ICICI Prudential began the operations in December 2000. Today, this company has over 2100 branches, which include 1,116 micro-offices, over 290,000 advisors and 18 banc assurance partners.

ICICI Prudential Life Insurance Company is the first life insurer in India that received a National Insurer Financial Strength rating of AAA (Ind) from Fitch ratings. ICICI Prudential has been voted as India's Most Trusted Private Life Insurer for three consecutive years. ICICI Prudential Life Insurance Company has various insurance plans that have been designed for different individuals, as every individual has different insurance needs. Given below is a list of plans provided by ICICI Prudential Life Insurance Company:

Life Insurance Plans

Education Insurance Plans
Smart Kid New Unit-linked
Regular Premium
Smart Kid New Unit-linked
Single Premium
Smart Kid Regular Premium
Wealth Creation Plans
Wealth Advantage
LifeStage Assure
LifeTime Gold
LifeLink Super
LifeStage RP
Premium Guarantee Plans
InvestShield Life New
InvestShield CashBank
Protection Plans
Pure Protect
Life Guard
Save 'n' Protect
CashBak
Home Assure
Retirement Solutions
Life Stage Pension
LifeTime Super Pension
LifeLink Super Pension
ForeverLife Plan
Immediate Annuity
Health Coverage Plans
Health Saver
Medi Assure
Hospital Care
Crisis Cover
Cancer Care
Diabetes Care Active
Diabetes Assure
ICICI Pru Group Solutions Advantage
Group Super Annuation
Group Gratuity Plan
Annuity Solutions
Group Term Insurance Plan
Group Term Insurance in lieu of EDLI
Rural Plans
ICICI Pru Suraksha
ICICI Pru Suraksha Kavach
Micro Insurance Plans
ICICI Pru Sarv Jana Plan
Contact Address
ICICI Pru Life Towers
1089 Appasaheb Marathe Marg
Prabhadevi, Mumbai - 400025
Website: www.iciciprulife.com
ING Vysya Life Insurance Company Limited
Established in India in September 2001, ING Vysya Life Insurance Company Limited is a joint venture between Vysya Bank, which is one of the largest private sector banks in India, and ING Insurance Co., which is the world's second largest life insurance company. This private life insurance company has around 140 branches all over India, with head office in Bangalore. ING Vysya Life Insurance Co. has around 3000 employees with over 21,000 sales insurance agents and brokers. ING Vysya Life presently has around 4.5 lakh customers, and is making a total income of Rs. 400 crore.

ING Vysya Life Insurance gives you an opportunity to fulfill your responsibilities towards your family. The ING Vysya Life protection plans provide financial security to your family in your absence. This company also provides special policies, such as, Children's Plans; Retirement Plans; Investment Plans and Savings Plans, which help you to secure your future financially. It also provides Life Insurance, Medical Insurance, General Insurance, Long-Term Care Insurance, Group Insurance, Company Insurance and Financial Services Insurance Products.

The mutual funds of ING Vysya Insurance are available with all the company branches, insurance agents and brokers. ING Vysya Life Insurance Ltd. Also offers online premium payment facility. For premium cheque payments, drop boxes are also available at all the branches. Given here is a comprehensive list of various insurance policies & saving plans offered by ING Vysya Insurance Company:

Protection Plans
ING Term Life
ING Term Life Plus
Savings Plans
ING Prime Life (Unit Linked Insurance Plan)
Reassuring Life Endowment Plan (Reversionary Bonus)
Creating Life Child Protection Plan
Creating Life Money Back Plan
Safal Jeevan Endowment Plan
Safal Jeevan Money Back Plan
ING LifePlus
ING Positive Life
ING Creating Star
Retirement Plans
Best Years
New Future Perfect
ING Golden Life
Investment Plans
Powering Life
New Freedom Plan
New One Life
Platinum Life Plan
High Life
High Life Plus
New Fulfilling Life Plan
Contact Details
ING Vysya House, 5th Floor
22, M.G. Road
Bangalore - 560001
E mail: contact@ingvysyalife.com
Website: www.ingvysyalife.com
 Kotak Mahindra Old Mutual Life Insurance Ltd
Founded in 2001, Kotak Mahindra Old Mutual Life Insurance Ltd. is a joint venture between Kotak Mahindra Bank Ltd. (KMBL), and Old Mutual plc. Kotak Mahindra is one of India's leading financial institutions which offer a range of financial services, such as, commercial banking, stock broking, mutual funds, life insurance, and investment banking. And, Old Mutual is an international insurance and investment management company based in London, offering a diverse range of financial services in South Africa, the United States and the United Kingdom since more than 150 years.

Kotak Mahindra Old Mutual Life Insurance Ltd. is a company which offers Life Insurance products. It is one of India's most rapidly growing insurance companies, employing over 1000 people, across various offices in India. Kotak Mahindra Old Mutual Life Insurance Ltd offers different types of Life Insurance Policies, which are:

Protection Plans
Kotak Loan Protection Plan
Kotak Term/Preferred Term Plan
Kotak Eternal Life Plans
Retirement Plans
Kotak Secure Retirement Plan
Kotak Retirement Income (Unit Linked)
Kotak Long Life Secure Plus
Kotak Long Life Wealth Plus
Kotak Retirement Income Plan
Savings & Investment Plans
Kotak Platinum Advantage Plus
Kotak Smart Advantage
Kotak Safe Investment Plan
Kotak Flexi Plan
Kotak Platinum Advantage Plan
Kotak Easy Growth Plan
Kotak Capital Multiplier Plan
Kotak Money Back Plan
Kotak Endowment Plan
Kotak Premium Return Plan
Kotak Sukhi Jeevan Plan
Child Plans
Kotak Headstart Child Plans
Kotak Child Advantage Plan
Group Plans
Kotak Group Shield
Kotak Group Assure
Kotak Term Grouplan
Kotak Gratuity Grouplan
Kotak Superannuation Grouplan
Kotak Credit-Term Grouplan
Kotak Complete Cover Grouplan
Rural Plans
Kotak Gramin Bima Yojana
Corporate Office:
Kotak Mahindra Old Mutual Life Insurance Ltd.
Unit nos. 901 & 902, 9th Floor
Wing A & B, Godrej Coliseum
Lokmanya Pan Bazar
Behind Evrard Nagar
Sion (E), Mumbai-400 022
Email: lifeexpert@kotak.com
Web site: www.kotaklifeinsurance.com
Life Insurance Corporation of India (LIC)
Life Insurance Corporation of India (LIC) is a Government of India enterprise, and is said to be the largest life insurance company and also the largest investor of the country. LIC had been established on the 1st of September, 1956, after the Life Insurance Corporation Act had been passed by the Parliament of India in the same year. The corporation is aimed at providing life insurance services primarily to the rural masses and the socially & economically backward sections of the Indian society. It also aims at promoting the people for saving their money, and offers attractive savings features along with various insurance policies.

Vital Details
The headquarters of Life Insurance Corporation of India are located in Mumbai, and as of April 2009 it has 8 zonal offices, 101 divisional offices and 2048 branches located in different towns and cities of India. Along with a workforce of 112,184 employees serving the institution, more than 1 Million agents of the Life Insurance Corporation of India are helping the people nationwide in adopting the various life insurance policies being offered by the corporation. Apart from India, LIC is also present in 12 other countries currently, fulfilling the life insurance needs of its overseas customers most of which are Non Resident Indians (NRIs).

During the financial year 2006-07, the total number of Life Insurance Corporation of India policy holders were more than 200 Million, which was equal to the population of fourth largest populous country in the world at that time.

Subsidiaries
Life Insurance Corporation of India has a number of subsidiaries which help it in leveraging its potential to the maximum, providing an enhanced set of diversified services to its customers. These subsidiaries include LIC International, LIC Nepal, LIC Lanka, LIC Housing Finance and LICHFL Care Homes.

Head Office
Life Insurance Corporation of India,
"Yogakshema", Jeevan Bima Marg,
Mumbai - 400021
Website: www.licindia.com.

Max New York Life Insurance Company Limited
Max New York Life Insurance Company Limited is a joint venture between Max India Limited, which is a one of India's leading multi-business corporate, and New York Life International, which is a Fortune 100 company & global expert in life insurance. Max New York Life Insurance started its commercial operations in India in 2001. It is the first life insurance company in India to be awarded the IS0 9001:2000 certification. The company has around 133 offices all over the country.

Max New York Life offers a variety of flexible products covering both life and health insurance including 8 riders that can be customized to over 800 combinations which enable the customers to choose the policy that suits their needs. Max New York Life also offers 6 products and 7 riders in group insurance business. The company has a plan for every need, designed as to meet your long term financial goals & aspirations. They help you fulfilling your dreams & commitments. The list of few plans provided by Max New York Life Insurance Company Limited is given below:

Protection Plans
Five Yr Renewable & Convertible Plan
Level Term Policy
Children Plans
Children's Endowment to 18 (Par) Plan
Children's Endowment to 24 (Par) Plan
SMART Steps
SMART Steps Plus
Investment Plans
Life Maker Premium
Life Maker Gold
Life Maker Platinum
Life Invest
Retirement Plans
SMART Invest Pension
Easy Life Retirement (Par) Plan
Health Plans
Lifeline Medicash
Lifeline Wellness Plus
Lifeline Medicash Plus
Lifeline Safety Net
Savings Plans
Whole Life Participating
Life Gain Plus 25 Participating Plan
20 year Endowment (Par) Plan
Life Pay Money Back Plan
Strategic Products Plans
Bancassurance
1. Capital Builder Plan
Partnership Distribution
1. Max Mangal
2. Capital Builder
3. Max Vriksha
4. Max New York Life Unit Builder
Max Amsure
1. Future Builder
2. Business Builder
3. Bonus Builder
4. Secure Returns Builder
Group Plans
Group Credit Life
Unit Linked Group Superannuation Plan
Group Gratuity cum Term Assurance
Group Term Life
Unit Linked Group Gratuity Plan
Employee Deposit Linked Insurance
Max Super Life
Registered Office
Max House
1 Dr. Jha Marg, Okhla
New Delhi - 110020
Website: www.maxnewyorklife.com
MetLife India Insurance Co. Pvt. Ltd
MetLife India Insurance Co. Pvt. Ltd is a joint venture between MetLife Group and its Indian partners, including J&K Bank, Dhanalakshmi Bank, Karnataka Bank, Karvy Consultants, Geojit Securities, Way2Wealth, and Mini Muthoothu. MetLife is insuring the lives of the people for around 140 years. MetLife is 88 of the top one-hundred FORTUNE 500 companies. MetLife entered Indian insurance sector in 2001.

MetLife was the first insurance company which established a financial holding company with a nationally chartered bank. In 2005, Working Mother Magazine honored MetLife Insurance Co. as one of the "100 Best Companies for Working Mothers". In 2005, the company was listed among the Top 50 Companies for Diversity. In 2006, MetLife was named to the National Association for Female Executives' annual list of Top 30 Companies for Executive Women. Today, when people are feeling a greater financial burden than ever before, MetLife is helping millions of its customers in creating their own personal safety net by taking insurance plans. The plans provided by MetLife Insurance are listed below:

Protection Plans
Met Suraksha
Met Suraksha TROP
Met Mortgage Protector
Savings Plan
Met Sukh
Met Suvidha
Met Saral
Met 100
Investment Plans
Met Smart Premier - Regular
Met Easy Met Smart Plus - Regular Pay
Met Smart Premier - Single Pay
Met Smart Gold Met Smart plus - Single
Child Plans
Met Bhavishya
Met Junior Endowment
Met Little Star
Met Junior Money Back
Met Magic
Retirement Plans
Met Growth
Met Advantage Plus
Met Pension - Par
Group Plans
Met Loan Assure
Met Group Life
Met Group Life in lieu of EDLI
Met Group Gratuity
Rural Plans
Met Vishwas
Met Suvidha - Rural
Contact Address
MetLife India Insurance Co. Pvt Ltd.
'Brigade Seshamahal'
5, Vani Vilas Road
Basavanagudi, Bangalore - 560004
Website: www.metlife.co.in

Reliance Life Insurance

Reliance Life Insurance Company Limited is a part of Reliance Capital Ltd., a part of Reliance - Anil Dhirubhai Ambani Group. Reliance Capital is one of India's leading private sector financial services companies, which ranks among the top 3 private sector financial services and banking companies. Reliance Life Insurance is not only one of India's fastest growing life insurance companies, but also counts among the top 4 private sector insurers. In just 2 years, the Company has crossed the mark of 1.7 Million policies.

RLIC launched around 600 branches in 10 months, taking the overall branch network above to 740. Reliance Life Insurance Co. is one of the only two ISO 9001:2000 certified Life Insurance companies in India. It has been awarded with the Jamnalal Bajaj Uchit Vyavahar Puraskar 2007- Ceritificate of Merit in the Financial Services category by Council for Fair Business Practices (CFBP). Given below is the list of the policies provided by Reliance Life Insurance Company:

Protection Plans
Reliance Term Plan
Reliance Simple Term Plan
Reliance Special Term Plan
Reliance Credit Guardian Plan
Reliance Special Credit Guardian Plan
Reliance Endowment Plan
Reliance Special Endowment Plan
Reliance Connect 2 Life
Reliance Whole Life Plan
Reliance Wealth + Health Plan
Reliance Cash Flow Plan
Child Plans
Reliance Super Invest Assure Plan
Reliance Child Plan
Reliance Secure Child Plan
Reliance Wealth + Health Plan
Savings & Investment Plans
Reliance Savings Linked Insurance Plan
Reliance Super Invest Assure Plus Plan
Reliance Super Invest Assure Plan
Total Investment Plan I - Insurance
Reliance TIPS -Series I- Insurance
Reliance Wealth + Health Plan
Reliance Super Automatic Investment Plan
Reliance Money Guarantee Plan
Reliance Cash Flow Plan
Reliance Super Market Return Plan
Reliance Endowment Plan Reliance Special Endowment Plan
Reliance Whole Life Plan
Reliance Super Golden Years Plan
Reliance Super Golden Years Plan - Value
Reliance Super Golden Years Plan - Plus
Reliance Connect 2 Life Plan
Reliance Imaan Investment Plan
Retirement Plans
Total Investment Plan II - Pension
Reliance Super Golden Years Plan
Reliance Super Golden Years Plan - Value
Reliance Super Golden Years Plan - Plus
Reliance Wealth + Health Plan
Reliance Super Automatic Investment Plan
Reliance Money Guarantee Plan
Group Plans
Employers Liability Solutions
Employee Protection Solutions
Employee Voluntary Benefits
Contact Address:
Reliance Life Insurance Company Limited
9 Cathedral Road
Chennai - 600086
Website: www.reliancelife.co.i
SBI Life Insurance
SBI Life Insurance offers a slew of products designed for various segments of society. These include money back products, pension products, protection cum savings products, and unit linked products. All these products cater to various requirements of its end users.

Money Back Products
These are traditional saving plans with additional advantage of life cover and guaranteed cash inflow at regular intervals. Key features of moneyback plan are periodic return options suited to your needs, and competitive premium rates. Apart from normal death cover, the plan also provides four additional covers. Sanjeevan Supreme is designed for individuals who want to plan for various financial obligations at specified times in life.

Pension Products
Pension products have been designed keeping in mind the needs of retired individuals. Four products currently offered under this segment are Horizon II Pension, Unit Plus Pension, Lifelong Pensions and Immediate Annuity. Under these plans, one can choose retirement date, the plan option and the regular premium amount.

Protection cum Savings Products
These products are designed to provide savings and protection at the same time. These products offer the option of tailoring your policy according to your requirement and needs, by opting for riders (extra covers).

Smart ULIP
The portfolio is linked to the volatile market, and fluctuates with it. The investment risk in portfolio is borne by the policyholder. For first seven years, guarantee is offered on select NAVs. Guaranteed Maturity NAV, continues after the premium payment term. It is an investment based on market economy and offer high returns. The plan gives one maximum opportunity for growth while protecting investments against adverse market conditions. Attractive Tax benefits can be availed under the Income Tax Act, 1961.

ULIP Elite
Under this plan, you can invest in a wide variety of funds and manage them as per your convenience. Gold and platinum protection covers are available. You have to pray premium only for a limited term of 3, 5, 7 or 10 years. You can also protect yourselves against accident and critical illness with the rider cover. You can also add-on to your kitty through top-up premiums facility. When the policy ends, Fund Value as on the Maturidy Date is paid. Settlement option is also available.

Group Criti 9
This is a non-participating Group Health Plan providing protection against nine critical illnesses where assured sum is paid in lump sum on diagnosis of any one of covered critical illnesses. It has guaranteed renewability till 65 years of age. Critical illnesses covered are Cancer, Heart Attack (Myocardial Infraction), Stroke, Coronary Artery Bypass Surgery, Kidney Failure (End Stage Renal Disease), Major Organ Transplant, Coma, Multiple Sclerosis and Heart Valve Surgery. The plan is offered to various groups like employee-employer relationship, credit life groups, customers of bank / financial institutions, depositors groups etc.

Unit Plus Child
As a parent you want to secure your child’s future against rising cost of education and other necessities. Unit Plus Child Plan could be your solution. Kea features of the plan are market related returns to match increasing cost of education, loyalty units to celebrate your child reaching 18 years. new Investment Fund (Equity Optimiser Fund) in addition to existing funds, pay premium for a limited period, and flexible plan which adapts to your changing needs.

Horizon
SBI Life Horizon offers the flexibility of Unit Linked Plan along with Automatic Asset Allocation. Key features of the plan include twin benefit of insurance cover and market linked returns, expert management of funds from inception to maturity, automatic asset allocation of funds, automatic rebalancing of funds at yearly intervals, automatic cover continuance, liquidity option after 3 years, facility to top up your investment kitty, and tax benefit

Shriram Life Insurance
Shriram Life Insurance is a joint venture of the Shriram Group of India and SANLAM of South Africa. The group offers several policies catering to various needs of the policy holders. Along with life insurance, distinct policies cover subjects like child education, retirement funds, marriage of children, expectation of high returns etc.

Shrilife
Shrlife combines security and savings. Premium is payable at regular intervals and life cover is available throughout the policy term. Sum assured along with vested bonuses is paid when the policy comes to an end. The premium paying frequency is yearly, half yearly or quarterly.

Shrilife Plus
This is a Regular payment unit linked plan. Maturity benefit can be availed on surviving upto the end of the term. No cover is extended after the policy term. However, settlement options are available to the policy holder. This is a medium risk investment and objective of the fund is to generate income with reasonable growth.

Shrinidhi
This is a savings product offering liquidity along with life cover. The policy term is always a multiple of three years. The guaranteed surrender value under the policy is equal to 30% of the total amount of premium paid excluding the premium for the first year. The basic plan comes with several additional benefits too.

Shriraksha
This plan combines security with savings. Benefit payable to any policyholder during the policy term is two times the sum assured along with accrued bonuses. Sum assured is paid when the policy comes to an end. Simple reversionary bonus accrues during the premium paying term.

Shrividya
It provides security for the child's education. Life cover is available throughout the policy term. Sum Assured and vested bonuses are paid at the maturity of the policy. The policy holder gets a grace of one month for paying premiums. If premium is not paid before the end of the grace period, the policy lapses. However, it can be revived.

Shrividya Plus
This is a premium unit linked plan which makes large savings to meet specific needs of individuals. It provides security for child’s education. Each year, units in the chosen unit fund are allotted, and defined charges are deducted by cancellation of units each year till the policy becomes a claim.

Shriplus
This is an opportunity to make large savings to meet specific needs like marriage, retirement funds etc. Out of the single contribution made at the time of commencement of the policy, the units in the chosen unit fund are allotted. However, every year, the defined charges are deducted.

Shrilabh
The premium is payable only once but life cover is available. On death during the policy term, twice the sum Assured along with vested bonuses is paid. On survival up to the end of the policy term, sum assured along with vested bonuses is paid.

Shri Vivah
This plan provides financial support at the time of marriage of one's children. On death during the policy term, sum Assured and vested bonuses are paid while 1% of the sum assured is payable monthly till maturity. On survival up to the end of the policy term, sum assured and vested bonuses are paid.
Tata AIG Life Insurance
 
 
Tata AIG Life Insurance Company Limited, which is a joint venture between Tata Group and American International Group, Inc. (AIG), offers a number of standard and custom-made life insurance policies. Tata is one of the oldest and leading business groups of India. Tata Group has had a long association with India's insurance sector being the largest insurance company in India prior to the nationalisation. American International Group, Inc (AIG) is the leading U.S. based international insurance and financial services organization.

For Children
Tata AIG offers a range of flexible insurance products for children. Policies dedicated to children and their key features are as given under.


 
Life Assure Career Builder financial assistance at key stages of child’s life   
Life Assure Educare funding child’s education   
Life Assure 21 years Money Saver cash payments in the form of survival benefits at regular intervals   
Life InvestAssure II full life cover
high returns
flexibility of deciding the length of life cover term   
Life InvestAssure Flexi unit linked endowment investment plan flexibility to suite your needs   
Life InvestAssure Plus single-premium paying term
security of life insurance policy
potentially higher returns   
Life MahaLife Gold steady income and life-long insurance coverage for child   
Life Starkid endowment policy dedicated for child’s career and marriage   
Life United Ujjwal Bhavishya unit linked endowment plan arranging finance for child’s future 
For Adults
The company has a slew of life insurance of plans for adults.
 
Life Assure Lifeline Plans High coverage at an affordable cost   
Life Assure Growth Plans Endowment policy
Keep your money safe and have it grow   
Life Assure 21 years Money Saver Cash payments at the end of every 3 years
Life insurance coverage plus the flexibility of periodic payments   
Life Assure Golden Years Plan Endowment policy
Safety as well as returns   
Life Easy Retire Annuity plan with Return of Purchase Price
Single premium payment   
Life InvestAssure Health Unit linked investment plan
Helps achieve financial goals along with a comprehensive health policy   
Life Hospi CashBack Multiple claims against unforeseen hospitalization expenses
Money back   
Life Health Investor Benefit on diagnosis of 12 critical illnesses
Cover in case of unfortunate death
100% return of premium in case of no claims   
Life InvestAssure II Life cover plus high returns   
Life InvestAssure Apex Unit-linked life insurance plan
Guaranteed Maturity Unit Price   
Life InvestAssure Extra Investment linked insurance plan
Designed for customers of premier banks   
Life InvestAssure Care Non-participating unit linked insurance plan
Inbuilt Critical Illness benefit   
Life InvestAssure Flexi Unit linked endowment plan
Helps one achieve financial goals   
Life InvestAssure Gold flexibility to invest more money
takes care of emergency cash requirements   
Life InvestAssure Insta Unit linked plan
Dual benefits of insurance coverage and wealth creation   
Life InvestAssure Plus Fllexible insurance plan
Single-premium paying term
Higher returns on premiums   
Life InvestAssure Optima Unit-linked insurance solution
Optimise investment returns   
Life LifePlus If you outlive the term get premium back
In case of death by natural causes get sum assured   
Life MahaLife Gold Good for retirement planning
Provides for steady income and insurance coverage   
Life Raksha large cover at a small premium   
Life ShubhLife life insurance protection and high returns   
Life Health First Covers health contingencies   
Life Health Protector Covers cost of major surgery or treatment 
For Retirement Planning
If you plan to retire at the age of 60 or 65, you could need to fund your lifestyle for several years without any regular salary. But if you have invested in a right plan, you can rest assured.
 
Life Assure Golden Years Plan Endowment policy
If you live past the term you get sum assured along with a host of bonuses   
Life Easy Retire Immediate annuity plan
Single premium payment   
Life InvestAssure II Flexible plan
Life cover plus high returns   
Life InvestAssure Gold Provides for emergency cash requirements or a steady post-retirement income   
Life InvestAssure Future Custom-made retirement solution   
Life MahaLife Gold Steady income and insurance coverage   
Life Nirvana Freedom to choose retirement age   
Life Nirvana Plus Guaranteed addition of 10 percent of sum assured every 5 years   
Life InvestAssure Swarna Jeevan Unit linked non participating pension plan 

Agriculture Insurance Company of India
Agriculture Insurance Company of India Limited (AIC) is an Insurance company formed in order to serve the needs of farmers and other people involved in agriculture. It also aims to make rural India step forward towards a sustainable actuarial management. AIC was incorporated along with General Budget of the F.Y. 2002-03. AIC has now taken over National Agricultural Insurance Scheme and also aims to transact other insurance businesses directly or indirectly related with agriculture or agricultural aided activities in future.

Branches and Business
AIC is a public undertaking catering to the needs of 20 million farmers throughout the country. It currently provides an area and weather based crop insurance programs to almost 500 districts of India. AIC has 17 regional offices throughout the country with their headquarters located at New Delhi. The Agriculture Insurance Company of India Limited aims to accentuate the economic growth rate of the country by bringing financial stability in the rural part of the country. It is also entitled to provide innovative rural oriented and farmer friendly policies in order to ensure protection from natural perils and risks in agriculture related business.

AIC was incorporated with an authorised share capital of Rs. 1500 Crores and paid up share capital of Rs. 200 Crores. Other insurance companies namely GIC, NABARD, National Insurance Company Limited, the New India Assurance Company Limited, Oriental Insurance Company Limited and United India Insurance Company Limited are involved with AIC as its promoters as well as organization share holders. AIC currently runs under the administrative control of Ministry of Finance, Government of India and is supervised from for its operational activities by the Insurance Regulatory and Development Authority, Hyderabad. IRDA, Hyderabad is also the regulating authority of AIC.

Product and Services
NAIS- National Crop Insurance Scheme
WBCIS - Weather Based Crop Insurance Scheme
Wheat Insurance (Weather & Biomass)
Rabi Weather Insurance
Mango Insurance
Poppy Insurance
USBY - Uttarakhand Seb Bima Yojana (Apple Insurance)
Potato Insurance
Grapes Insurance
Varsha Bima/Rainfall Insurance
RISC - Rainfall Insurance Scheme for Coffee Growers (Coffee Insurance)
Bio-Fuel Tree/Plant Insurance
Pulpwood Tree Insurance
Coconut Insurance
Rubber Insurance
Apollo DKV Insurance
Apollo DKV Insurance Company Limited was established as a joint venture between the Apollo Hospitals Group, a pioneer and leader in corporate healthcare in India, and DKV (Germany-based private health insurance company), one of the top five private health insurers in the world. The venture has been aimed at capturing the booming health insurance market in India as well as at bringing quality health insurance services within the reach of each and every individual.

Apart from individual policies, Apollo DKV Insurance also offers products for corporates. With its being philosophy Let's Stay Healthy', the insurance company believes in imbibing the components of wellness and prevention in each of its products and services. The unique array of its products has been developed to keep the health-related risks of the customers at bay. Along with health, personal accident and travel policies, Apollo DKV Insurance also plans to roll out out-patient care, long-term care and disease management solution.

Services & Network
Apollo DKV Insurance Company Limited offers a wide and comprehensive range of innovative insurance products, covering the arena of health, travel and personal accident. With a presence in all the key cities of India, the insurance company aims to provide the best service to its customers. It has further plans of increasing its network, with 100 offices at different locations. It offers policies on a 'Cashless Basis' in over 4000 hospitals across India, including the 42 Apollo hospitals, and on a Reimbursement Basis' in all the hospitals of the country.

Products

Individual Solutions

Health
Easy Health - Individual
Easy Health - Family Floater
Personal Accident
Individual Personal Accident Plan
Travel
Easy Travel - Individual
Easy Travel - Family
Easy Travel - Senior Citizen
Easy Travel - Annual Multi Trip
Corporate Solutions
Easy Health Corporate
Group Personal Accident
Easy Travel Corporate
Head Office
Apollo DKV Insurance Company Limited
10th Floor, Tower-B,
Building No. 10, DLF Cyber City,
DLF City Phase II,
Gurgaon-122002,
Haryana, India
Phone: +91-124-4584333
Fax: +91-124-4584111
Website: www.apollodkv.co.in
Cholamandalam MS General Insurance 
The Chennai based Cholamandalam MS General Insurance Co. Ltd is a leading player in the insurance sector of India. It is a joint venture of the renowned names in the business sector, the Murugappa Group & the Mitsui Sumitomo. One of its parent sponsor the Murugappa Group is a USD 2.4 billion business conglomerate with various ventures in the field of engineering, abradants, sanitary ware, fertilizers, finance, bio-products and plantations and the other Mitsui Sumitomo is the second largest Insurance group of Japan with its spread in 38 other countries of the world.

Branches and Business
Chola-MS, the joint venture of these two big players in the field of business came in being in October 2002. The company now boasts of a pan-Indian presence with its presence in Chennai, Hyderabad, Bangalore, Kochi, Coimbatore, Mumbai, Pune, Indore, Ahmedabad, Delhi, Chandigarh, Kolkata, Vizag, Lucknow, Baroda, Hubli and Goa. Recently, the company has enhanced its capital base by infusing 75 crores through a right issue. The paid up capital of the company is thus expected to be increasing from Rs. 142 crores to Rs. 217 crores while the authorized capital will is expected to rise up to Rs. 250 from 205 crore.

Product and Services
Cholamandalam MS General Insurance is involved in the non-life or general insurance sector. With its efficient schemes and policies of consumer focus, the company is aimed to become one of the largest players of insurance sector in India. Cholamandalam MS General Insurance offers a varied list of services in accordance with the popular requirements in the insurance sector. Here is the comprehensive list of product, policies and services of the company-

Products And Services For Individual Customers
Home Insurance
Motor Insurance
Health Insurance
Travel Insurance
Shop Insurance
Office Insurance
Personal Accident
Products And Services For Corporate Customers
Marine
Casualty
Engineering
Property and Crime
Financial Lines
HDFC Ergo General Insurance Company
HDFC ERGO General Insurance Company Limited is a premier General Insurance company in India. It is a joint venture of HDFC Limited & ERGO International AG. One of the primary stake holders in the venture HDFC Ltd is the leading Housing Finance Company in India with its business spread in various other sectors like banking, mutual fund, life insurance and general insurance whereas ERGO International is the primary insurance unit of the Munich Re group, Germany with its business spread in 25 countries in Europe and Asia with an approximate customer base of 33 million

The joint venture of HDFC Ltd and Ergo International, HDFC Ergo General Insurance Co. Ltd brings together a blend of powerful and steady international insurance expertise and successful experience of the Indian business sector. After the exit of Chubb Global Financial Services Corporation, USA from the joint partnership of the plan, Ergo General Insurance Co. Ltd was roped in for the plan and the joint venture of Ergo and HDFC, HDFC Ergo General Insurance Ltd was incorporated as a joint venture of both the companies in the year 2007. The HDFC Ergo General Insurance Co. Ltd has 74% stake of HDFC Ltd and 26% stake of ERGO International.

Branches And Business
In its short span of existence of merely 2 years, HDFC Ergo has spread its reach in various parts of India. Presently, the company marks its presence through its 52 offices across 46 cities of India. The headquarters of HDFC Ergo is located in the business capital of India, Mumbai. With an efficient workforce of over 650 professionals, the company aims to gain foothold in the insurance sector soon.

HDFC ERGO has a correct balance of distribution channel consisting of Dealerships, Brokers, Retail and Corporate Agents, Bancassurance and Direct Sales Team. The Gross Written Premium of the company at the end of FY 2007-2008 was 239.69 crores and the Net Earned Premium was estimated to 150.05 crores.

Product And Services
As HDFC Ergo aims to provide apt insurance solutions to all its customers, it keeps on constantly customizing its product and services to meet the requirements of every customer in the market. It also believes in providing a smooth hassle free service to all its customers. To help its customers 24x7, it has also developed a superior customer support service.
Motor Insurance Services
Private Car
Commercial Vehciles
Home Insurance Services
Health Insurance Services
Travel Insurance Services
Personal Accident Insurance Services
Accident Protection Plan
Revive
Commercial Insurance Services
Property
Casualty
Professional and Management Liability
Rural Insurance Services
Gramin Suraksha Bima
Parivar Suraksha Bima
Cattle Insurance
Sheep and Goat Insurance
ICICI Lombard General Insurance
ICICI Lombard General Insurance Co. Ltd. is a joint venture between ICICI Bank Ltd. and Fairfax Financial Holdings Ltd. Where ICICI Bank boasts of being India's second largest bank, Fairfax Financial Holdings of Canada is a leading financial corporate engaged in general insurance, reinsurance, insurance claims management and investment management. In August 2001, ICICI Lombard General Insurance Company received regulatory approvals to instigate general insurance business in India.

In a short span of time, ICICI Lombard rose to become number one private general insurance company in India. Moreover, it's also the first company to get ISO 9001:2000 certification in India. ICICI Lombard has been assigned the iAAA rating by ICRA, indicating the highest claims paying ability. It is the first company to provide digitally signed documents through an online interface. For its effective solutions and working, it has got various recognitions like 'General Insurance Company of the Year' (2007), NDTV Profit Business Leadership Awards 2007, etc. Given here is a comprehensive list of policies on offer by ICICI Lombard General Insurance Co. Ltd.

PERSONAL PRODUCTS

Health Insurance
Health Advantage Plus
Family floater Plan
Home Insurance
Home Insurance
Motor Insurance
Car Insurance
Two Wheeler Insurance
Overseas Travel Insurance
Platinum Plan
Gold Plan
Silver Plan
Student Medical Insurance
Plus Plan
Gold Plan
Silver Plan
Bronze plan
BUSINESS & RURAL PRODUCTS

Business Insurance
Fire Insurance
Marine Insurance
Industrial Insurance
Corporate Insurance
Liability Insurance
Shop Insurance
Others
Rural Insurance
Health Insurance
1. Family Health Floater
2. Poorna Suraksha Bhima
3. Sampoorna Arogya bhima
Home Insurance
1. Gold Plan
2. Silver Plan
Tractor Insurance
Weather Insurance
Shop Insurance
NRI PRODUCTS

NRI Services
Parents' Health Insurance
Parents' Overseas Travel Insurance
Student Medical Insurance
Home Insurance
Car Insurance
Two Wheeler Insurance
Contact Address
ICICI Lombard General Insurance Co. Ltd.
ICICI Bank Towers
Bandra Kurla Complex
Mumbai - 400051
Website: www.icicilombard.com
IFFCO Tokio General Insurance
Initiated in December 4, 200, IFFCO-Tokio General Insurance (ITGI) Company is a cooperative undertaking by the Indian Farmers Fertilizer Co-operative (IFFCO) and its associate and Tokio Marine and Nichido Fire Group (the largest listed insurance group in Japan), to deal in the insurance sector of India. With a wide network of 51 'Strategic Business Units' and 110 offices all over India, the company serves its customers and potential customers, with an array of uniquely customized policies. It covers each stratum of the society, right from farmers to India's largest automobile manufacturers.

While ITGI gets its technical support for underwriting and reinsurance from Tokio Marine, the risk management is sourced from Tokio Risk Consulting (TRC). Apart from dealing with the conventional insurance schemes, the company has also come up with niche products like credit insurance, fine arts insurance, P & I insurance, errors & omissions policy for the IT Sector and so on. ITGI has also centered its activities keeping into mind the rural segment. It has commenced various products such as Sankat Haran Bima Yojana, Mausam Bima Yojana, Mahila Suraksha Bima Yojana and Janata Bima Yojana for the masses. ITGI is also credited with being the first company to underwrite mega policies for a fertilizer and an automobile company.

Present Scenario
Though the company started with a modest initial GWP (Gross Written Premium) of Rs. 2130 millions (in 2001-02), IFFCO-Tokio General Insurance Company today has progressed ahead to boasts of Rs 12350 Million as GWP (2007-08). With such advancement, the company has become one of the leading private insurers in the insurance sector. It is also the only company to own its distribution channel called IFFCO-TOKIO Insurance Services Ltd (ITIS). Talking about ITIS, the company has a staff of over 1000 employees spread across 200 towns in India. It conducts various customer satisfaction surveys semi annually, to determine its operational efficiencies.

Products & Services

Commercial Line
Standard Fire & Special Perils
Consequential Loss
Contractors All Risk
Contractors Plnt & Machn
Boiler & Pressure Plant
Erection All Risks
Industrial All Risks
Machinery Breakdown
Machinery Loss of Profit
Product Liability
Public Lia Industrial
Public Lia Non-Industrial
Marine Cargo
Electronic Equipment
Bankers Blanket
Burglary Insurance
Fidelity Guarantee
Money Insurance
Workmen's Compensation
Retail Line
Motor Private Car
Motor Cycle/Scooter
Home & Family Protector
Trade Protector
Industry Protector
Office Professional Establishment
Home Suvidha
Trade Suvidha
Individual Medishield
Individual Personal Accident
Group Personal Accident
Critical Illness Policy
Travel Protector
All Risk Insurance
Specialty Line
Credit Insurance
Multi Modal transport (MTO)
Marine Hull & Machinery
Jeweller's Block
Barish Bima Yojna (Weather Insurance)
Sagar Bandhu Bima Policy
Aviation Insurance Policy
Errors and Omissions (Technology) Policy
Fine Art Insurance - Private Collectors
Fine Art Insurance - Art Dealers & Gallery Owners
Corporate Office
IFFCO TOWER
4th & 5th Floors
Plot No.3, Sector 29
Gurgaon-122001
Haryana (India)

Registered Office
IFFCO SADAN
C-1, District Centre Saket
New Delhi - 110017
India
National Insurance Company Ltd
After the passing of the General Insurance Business Nationalisation Act in 1972, National Insurance Company Limited, (which was incorporated in 1906 and registered in Kolkata) became one of the four subsidiaries of General Insurance Corporation of India (GIC). Wholly owned and controlled by the Government of India, it continued its operation as a GIC subsidiary, until the August of 2002. Subsequent to the notification of the General Insurance Business (Nationalisation) Amendment Act, on August 7, 2002, National Insurance Company Limited (NIC) de-linked from its holding company GIC and started operating, as a Government of India undertaking.

NIC has its head quarters in Kolkata. Being one of the leading public sector insurance companies of India, it effectively carries out the general insurance business in India. With a workforce of more than 16,000 personnel, NIC's has about 1000 offices, covering almost the entire country. Right from the metropolitan cities to the rural areas and remote townships, NIC has enveloped the length and breadth of India. While the domestic operations are carried out by the offices in India, the foreign operations are controlled from its branch offices in Nepal.

Services
With more than 200 policies under its belt, NIC caters to the diverse insurance requirements of its 14 million policyholders. The company offers services to approximately all the sectors in the Indian Economy - banking, telecom, aviation, shipping, information technology, power, oil & energy, agronomy, plantations, foreign trade, healthcare, tea, automobile, education, environment, space research and so on. Apart from this, NIC also covers the conventional insurance schemes, such as indemnity against fire, marine and other miscellaneous risks, to its customers.

Present Scenario
National Insurance Company Ltd has a paid-up share capital of Rs.100 crores. From the modest start of 500 million rupees, as its premium base in 1974, NIC's gross direct premium income has progressively grown to 4021.97 million rupees (as per 2007-08). As of March 2008, NIC's general reserve stood at 1457.25 million rupees, with an asset value of 8867.99 million rupees. It is due to this that NIC has been awarded 'AAA/STABLE' (the highest financial strength to meet policyholders' obligations), by CRISIL rating agency.

Products & Services

Personal Line
Motor Policy - Two Wheelers
Householders Policy
Personal Accident Policy
Critical Illness Policy
NRI Accident Policy
Amartya Siksha Yojana Policy
Rajrajeshwari Mahila Kalyan Yojana Policy
Bhagyashree Child Welfare Policy
Traffic Accident Policy
Niwas Yojana Policy
Baggage Policy
Mediclaim Policy
Motor Policy - Private Car
Professional Indemnity for Doctors
Star National Swasthya Bima Policy
PARIVAR - Mediclaim for Family
VIDYARTHI-Mediclaim for Students
UCO Medi + Care Bima Policy
VARISTHA Mediclaim for Senior Citizens
BOI National Swasthya Bima
Overseas Mediclaim
Baroda Health Policy
Rural Line
Cattle / Livestock Insurance
Sheep and Goat Insurance
Elephant Insurance
Dog Insurance
Brackish Water Prawn Insurance
Silkworm ( Sericulture) Insurance
Janata Personal Accident Insurance
Horticulture/Plantation Insurance
Kisan Agriculture Pumpset Insurance
Industrial Line
Erection All Risks Insurance ( EAR )
Contractors All Risks Insurance (CAR)
Machinery Insurance ( MI )
Electronic Equipment Insurance ( EEI)
Consequential Loss (Fire) Policy
Standard Fire and Special Perils Policy
Workmen Compensation Insurance
Product Liability Insurance
Public Liability Insurance
Commercial Line
Burglary (Business Premises) Policy
Shopkeepers Policy
Bankers Indemnity Policy
Office Package Policy
Glass Insurance
Money Insurance
Jewellers Block Policy
Extended Warranty Policy
Directors and Officers Liability Policy
Fidelity Guarantee Policy
Marine Cargo Insurance
Head Office
3 Middleton Street
Kolkata - 700071
West Bengal
Phone: 22831705 /22831706
Website: www.nationalinsuranceindia.com
New India Assurance
Founded by the House of Tata Founder member - Sir Dorab Tata, The New India Assurance Company came into being on July 23, 1919 and is today, ranked as number 1 insurance company in the Indian market. Consequent to passing of the General Insurance Business Nationalisation Act in 1972, wherein 21 Foreign and 11 Indian Companies were amalgamated, The New India Assurance was one of them. It was nationalized in 1973. The company is credited with a lot of firsts in its 90 years of service. A pioneer in satellite insurance, it holds a large number of offices, both in India and abroad.

The New India Assurance Company boasts of having highly skilled personnel and a total of 1068 fully automated offices, across India. With a superior capital position, strong operating performance and strong market position as its base, The New India Assurance has become the sole company to extend noteworthy operations, in the international forum. Initiated its overseas operations in 1920, the company has gone a long way, since then. Presently, the company is functioning in 24 countries such as Japan, U.K, Middle East, Fiji, Australia, and so on, with a network of 19 branches, 12 agencies, 2 each of associate companies and subsidiary companies.

The Firsts
It was the first company to set up an Aviation Insurance Department, in 1946.
It was the first company to handle the Hull Insurance requirements of the Indian Shipping Fleet.
It was the first company to establish its own Training School.
It was the first company to introduce the concept of 'Model Office Training'.
It was the first company to create department in Engineering insurance.
It was the first domestic company to be rated 'A-' (Excellent) by an International Rating Agency Rating, A.M.Best & Co (Europe).
It was the first Indian non-life company to cross Rs. 5000 crores Gross Premium.
Present Position
The New India Assurance Company overseas premium is recorded at Rs. 892.35 crores in the year 2004-05, (more than 80% of total overseas premium in India). In India, it has 26 Regional Offices, 393 Divisional Offices, 614 Branches and 34 Direct Agent Branches. In terms of financial status in India, the gross premium of The New India Assurance Company stands at Rs. 5017.20 crores ( as per 2006-07), with assets of Rs. 27444.57 crores (as on 31st March 2007)

Products & Services

Personal
Pravasi Bharatiya Bima Yojana Policy
Personal Accident Policy
Householders Policy
Motor Policy
Money Insurance
Rasta Apatti Kavach (Road Safety Insurance)
TV/VCR/VCP Insurance
Mobile/Cellular Phone Insurance
Other Personal Insurance
Commercial
Jewellers Block Policy
Bankers Indemnity Policy
Shopkeepers Policy
Marine Cargo Policy
Plate Glass Insurance
Special Contigency Policy
Neon Sign Insurance
Multi Peril Policy for L.P.G. Dealers
Fidelity Guarantee Insurance Policy
Marine Hull Policy
Aviation Insurance
Industrial
Fire Policy
Burglary Policy
Machinery Breakdown Policy
Electronics Equipment Policy
Consequential Loss Policy
Contractors All Risk Policy
Marine cum Erection / Storage cum Erection Policy
Advanced Loss of Profit / Delay in Startup Policy
Contractor Plant and Machinery Policy
Mega Package Policies
Liability
Public Liability Policy
Products Liability Policy
Professional Indemnity Policy
Directors and Officers Liability Policy
Lift (Third Party) Insurance
Employers' Liability Policy
Carrier's Liability Insurance
Liability Insurance Act Policy
Golfers Indemnity Insurance
Social
Universal Health Insurance Scheme
Jan Arogya Bima Policy
Raj Rajeshwari Mahila Kalyan Yojana
Bhagyashree Child Welfare Policy
Janata Personal Accident Insurance
Student Safety Insurance
Ashrya Bima Yojana
Rural Insurance
Credit
Business Credit Shield (Domestic Risks)
Business Credit Shield (Export Risks)
Corporate Office
The New India Assurance Co. Ltd
87, M.G. Road, Fort,
Mumbai - 400 001
Oriental Insurance Company
A wholly owned subsidiary of the Oriental Government Security Life Assurance Company Ltd, the Oriental Insurance Company Limited was incorporated on 12th September 1947, in Bombay city of India (now Mumbai). The main aim behind the establishment of the company was to indulge in the business of General Insurance. It became a subsidiary of Life Insurance Corporation of India in 1956 and continued to serve as such till 1973 (when the General Insurance Business in India was nationalized).

In 2002, after the passage of the Insurance Amendment Bill, Oriental Insurance Company was de-linked from General Insurance Corporation (GIC) of India. The following year, all the shares of the company that had been held by GIC were transferred to the Central Government. With time, Oriental Insurance emerged as one of the leading insurance providers in the country. Today, it has diversified into the various fields of insurance, so as to cater to the needs of the urban as well as rural population of India. From the modest premium of Rs.99,946 in 1950, the company has grown to achieve a premium of Rs. 4020 crores (2006-07).

Present Scenario
Oriental Insurance Company Limited boasts of as many as 23 Regional Offices in India, with its head office in the capital city of New Delhi. Apart from that, there are over 900 Operating Offices of the insurance company, in various cities of the country. It is also involved in overseas operation, mainly in three countries - Nepal, Kuwait and Dubai. Oriental Insurance Company boasts of technically qualified, competent and dedicated workforce of 16,000 employees, always eager to cater to the needs of the customers.

Products

Individuals/Family
Awasiya Rin Bima Kavach
Baggage Insurance Policy
Bhagyashree Child Welfare Policy
Burglary and House Breaking Insurance Policy
Comprehensive Health Insurance Scheme
Contact Lens Insurance
Cycle Rickshaw Policy
Gun Insurance
Householders Insurance Policy
Insurance Policy for Mobile/Cellular Phone
Insurance Policy for Pager
Pedal Cycle Insurance Policy
Raj Rajeswari Mahila Kalyan Bima Yojana
Suhana Safar Domestic Policy
Swasthya Bima Policy
Sweet Home Insurance Policy
TV VCR VCP Insurance Policy
Health - Mediclaim/Overseas Mediclaim/Personal Accident
Bhavishya Arogya
Flight Coupon
Gramin Accident Insurance
Group Mediclaim Policy
Individual Mediclaim Policy
Jan Arogya Bima
Janata Personal Accident Policy
Nagrik Suraksha Policy
Overseas Mediclaim Business and Holiday
Overseas Mediclaim Employment and Study
Personal Accident - Group
Personal Accident - Individual
Personal Accident - School Children
Universal Health Insurance Scheme
Professionals
Banker's Indemnity Insurance Policy
Directors And Officers Liability Policy
Package Policy for Exporters Covered Under Duty Exemption Scheme
Professional Indemnity Errors & Omissions Insurance For Chartered Accountants/Financial Accountants/Management Consultants/ Lawyers/ Advocates/ Solicitors/Counsels
Professional Indemnity Errors & Omissions Insurance Policy for Consulting Engineers/Architects & Interior Decorators
Professional Indemnity Policy For Doctors And Medical Practitioners
Professional Negligence Errors and Omissions Insurance Policy For Medical Establishments
Sports Insurance Policy
Stock Brokers Indemnity Insurance Policy
Business/Office/Traders
Carriers' Liability Policy
Comprehensive Risk Insurance (Exchange) Policy
Contract Guarantee Policy
Couriers' Liability Policy
Default Insurance (Exchange) Policy
Depository and Depository Participants Indemnity Insurance
Electronic Equipment Insurance Policy
Fidelity Guarantee Policy - Floating Group
Fidelity Guarantee Policy - Individual Named
Hire Purchase Bank Guarantee Policy
Indemnity Insurance Policy for Custodians, Registrars and Share Transfer Agents
Money Insurance Policy
Multi Peril Policy For LP Gas Dealers
Neon Sign Policy
Office Umbrella Policy
Plate Glass Insurance Policy
Policy For Jewellers' Block Insurance
Shopkeeper's Insurance Policy
Special Contingency Policy
Stevedore's Liability Policy
Sub Brokers Default Insurance Policy
Third Party (Cinema) Policy
Third Party (Lift) Insurance Policy
Travel Agent Policy (Guarantee)
Engineering/Industry
Advance Loss Of Profit (Following Erection All Risks)
All Risks Insurance
Boiler Explosion Insurance
Civil Engineering Completed Risks Insurance
Consequential Loss (Fire) Policy
Contractor's All Risk Insurance Policy
Contractor's Plant & Machinery Insurance
Deterioration Of Stocks Insurance Policy
Employers Liability Insurance
Erection All Risks Insurance Policy
Fire Policy 'C'
Industrial All Risk Insurance Policy
Liability Insurance Policy ( Under Public Liability Insurance Act 1991)
Loss Of Profits (Machinery) Insurance Policy (TurnOver Basis)
Machinery Insurance Policy
Machinery Loss Of Profit Insurance Policy (Out-Put Basis)
Oil and Energy Risks Insurance
Package Policy (Mega Risk)
Product Liability Policy
Public Liability Policy (Industrial Risk)
Public Liability Policy (Non Industrial Risk)
Standard Fire and Special Perils Policy (Material Damage)
Motor Vehicle -- Private/Commercial
Commercial Vehicle - Goods Carrying Act Liability
Commercial Vehicle - "B" Policy (Misc.)
Commercial Vehicle - Goods Carrying 'B' Policy
Commercial Vehicle - Passenger Carrying Act Liability
Commercial Vehicle - Passenger Carrying 'B' Policy
Long Term Act Only
Motor Cycle Package Policy
Motor Cycle Policy - Act Liability
Motor Trade "B" Policy
Motor Trade Internal Risk Policy
Private Car Package Policy
Private Car Policy - Act Liability
Agriculture/Sericulture/Poultry
Animal Driven Cart / Tanga Insurance
Apple Insurance (Input) Policy
Aquaculture (Shrimp/Prawn) Insurance Policy
Beetlevine Insurance (Input Policy)
Coconut Palm Insurance Policy
Failed Well Insurance
Floriculture Insurance Package Policy
Honey Bee Insurance Scheme
Hut Insurance
Inland Fresh Water Fish (Embankments) Insurance
Insurance of Biogas Plant (Gobargas)
Khalihan Insurance Package Policy
Kissan Package Insurance
Oil Palm Plantation Insurance Policy
Package Insurance for Tribals
Plantation/HortiCulture (Input) Policy
Policy for Insurance of Fish in ponds (Fresh Water)
Policy for Kisan Agricultural Pumpset Insurance Scheme
Poultry Insurance
Rose Plantation Insurance
Sericulture (Silkworm) Insurance
Tea Crop Insurance
Tea Plantation Insurance
Animals/Birds
Blood Stock Insurance
Calf/Heifers Rearing Insurance Scheme
Camel Insurance
Cattle Insurance
Dog Insurance
Duck Insurance Scheme
Elephant Insurance
EMU Birds Insurance Policy
Foetus (Unborn Calf) Insurance Scheme
Horse/Yak/Mule/Pony/Donkey Insurance
Pig Insurance
Rabbit Insurance
Sheep & Goat Insurance Policy
Aviation
Aircraft Hull and Spares All Risks Aviation Liability Insurance (Airlines)
Aircraft Hull/Liability Insurance Policy
Aircraft Spares Insurance Policy
Aviation Fuelling/Refuelling Liability Insurance Policy
Aviation Group Loss of Licence Insurance
Aviation Personnel Accident (Crew Members)
Hull War and Allied Perils Insurance (Airlines) Policy
Loss of License Insurance
Marine
Advance Loss Of Profit (Following Marine)
Hull Deductible Insurance Policy
Hull War and Allied Peril Policy
Marine Hull Policy
Marine Insurance - REGD. Post
Marine Insurance - Sailing Vessels
Marine Insurance Policy (Air)
Marine Insurance Policy (Ocean Voyage)
Marine Insurance Policy Inland Transit(Rail/Road)
Registered Office
The Oriental Insurance Company Ltd
Oriental House,
A-25/27, Asaf Ali Road,
New Delhi - 110002
Phone: (9111) 23279221 - 25
Reliance General Insurance
Reliance General Insurance Company Limited is one of the leading private general insurance companies of India, in the present times. It was amongst the first companies to apply for, and obtain, a license for insurance business, after the liberalization of the insurance sector, in 2000. The company continued to grow with the passing time, widening the scope of its insurance policies. Today, it offers over 94 customized insurance products, catering to needs of the corporate, SME and individual customers. Reliance General Insurance also boasts of being the first insurance company in India to be awarded the ISO 9001:2000 certification across all functions, processes, products and locations pan-India.

Growth & Innovation
Reliance General Insurance Company Ltd has grown over time, to set up as many as 200 offices, which have spread across 173 cities, in 22 states of India. Such a wide distribution channel network, along with 24x7 customer service assistance and a full fledged website, has added to its success. At the same time, the company continues to launch innovative products, like India's first Over-The-Counter health & home insurance policies, to woo potential customers and keep the presents ones satisfied and pleased.

Customer Focus
The brand philosophy of Reliance General Insurance Company is "Protecting what you value". The company aims at helping individuals, corporates as well as SMEs protect their dreams and accomplishments; that too through a hassle-free buying process. With the concept of online buying, Reliance has made it possible for the potential customers to book the policies from within the confines of their home/office. At the same time, the insurance company intends to make the claims settlement as prompt, transparent and speedy as possible.

Services
Reliance General Insurance Company offers a wide range of innovative products to the potential customers. Right from health and home insurance to car/motor and travel insurance, you can get almost all types of individual policies with Reliance, that too at the best premium rates. Apart from that, the company also caters to corporate and SME clients, providing end to end insurance solutions. The product basket includes fire, engineering, liability, marine, travel and other types of insurance, for organizational risk management.

Products

For Individuals

Health Insurance
Reliance Critical Illness
Reliance HealthWise
Individual Mediclaim
Motor Insurance
Two Wheeler Comprehensive
Private Car Comprehensive
Home Insurance
Reliance HomeProtect
Householder's Package
Travel Insurance
Individual & Family
Student
Asia
Schegen
Pravasi Bhartiya Bima
Accident Cover
Personal Accident Policy
For Corporates

Fire Insurance
Std Fire & Spl Perils
Consequestial Loss
Industrial All Risks
Engineering Insurance
Erection All Risks/Storage-cum-Erection
Contractor's All Risks
Contractor's Plant & Machinery
Machinery Loss of Profits
Boiler & Pressure Plant
Electronic Equipment
Machinery Insurance
Marine Insurance
Marine Cargo
Liability Insurance
Directors & Officers Liability
Workmen's Compensation
Professional Indemnity
Product Liability
Public Liability Insurance
Public Liability (Act)
Packages
Office Package
Commercial Care
Industry Care
Shopkeeper's Package
More Plans
Travel
Health
Accident
Misc
For SMEs

Property
Reliance Burglary & Housebreaking
Fire Insurance
Std Fire & Spl Perils
Packages
Office Package
Commercial Care
Industry Care
Shopkeeper's Package
Marine Insurance
Marine Cargo
Health
Group Mediclaim
More Plans
Engineering
Liability
Travel
Accident Cover
Misc
Head Office
Reliance General Insurance
Customer Service
570, Naigaum Cross Road,
Next to Royal Industrial Estate,
Wadala (W), Mumbai- 400031
Phone: 1800 3002 8282 (toll free), 3989 8282 (local call charges)
Website: www.reliancegeneral.co.in

Website: orientalinsurance.nic.in

India
Royal Sundaram Alliance Insurance 
Royal Sundaram Alliance Insurance Company Limited boasts of being the first private insurer to obtain the license, after the liberalization of the insurance sector in India (2000). It was established in the year 2001, as a 74:26 joint venture between Sundaram Finance Ltd India and Royal & Sun Alliance PLC London. Since then, it has been striving to provide the best and the most innovative insurance solutions to its customers, present as well as potential, their family as well as their business.

Services
The product range of Royal Sundaram Alliance Insurance Company Limited has been designed in such a way that it caters to the need of a wide variety of customers, right from the common man to corporate conglomerates and even social sector companies. The company has many firsts to its credit. It was the first company to offer cashless hospitalization, the first to offer segment specific business solutions, first to offer co-branded credit cards and the first one to introduce industry-specific proposition.

Branches
Royal Sundaram Alliance Insurance Company Limited was set up with its head office in the Chennai city. Today, it boasts of four regional offices, namely in Chennai, Mumbai, Gurgaon and Kolkata, apart from over 35 branch offices. The company caters to customers in as many as 150 cities, through a combination of its own branches and those of its partners. The customers, potential as well as present, can reach the insurance company directly (even online) and also through its partners, agents, and brokers.

Products

Individual Solutions
Accident Shield
Car Shield
Family Health Insurance
Health Shield
Home Contents Insurance
Home Shield
Travel Shield
Business Solutions
Marine Insurance
Theft/Burglary Insurance
Engineering Insurance
Liability Insurance
Industrial All Risks
Office Shield
Hotel Shield
Excelerator Shield
Enterprise Shield
Education Shield
Traders Shield
All Risks
Standard Fire and Special Perils
Consequential Loss (Fire)
Employee Solutions
Group Health Insurance
Group Accident Insurance
Workmen's Compensation
Rural Sector
Farmers Insurance
Livestock Insurance
Pumps Insurance
Rural Personal Accident Insurance
Janatha Personal Accident Insurance
Rural Micro Enterprise Shield
Rural Hospital Cash Insurance
Social Sector
Shakti Health Shield
Shakthi Security Shield
Head Office
Royal Sundaram Alliance Insurance Company Limited
Sundaram Towers
45 & 46, Whites Road,
Chennai 600 014
Tamil Nadu, India
Phone: 91-44-28517387 - 90, 91-44-42227373
Fax: 91-44-28517376
Website: www.royalsundaram.in
Shriram General Insurance Company Limited 
Shriram General Insurance Co. Ltd. is a joint venture between Shriram Group of India and SANLAM Limited of South Africa. The company was established with a paid up capital or Rs. 105 Crores, and offers General Insurance products and services to its customers. Shriram Group is one of the best known corporate houses of India, active in financial sector offering diversified services. The group had been founded in the year 1974. Sanlam Limited is a financial services group based in Bellville, Western Cape, South Africa. The group had been established in the year 1918, and after its demutualization in the year 1998, got listed in the Johannesburg and Namibian Stock Exchange. The group is active in Africa, Europe and the United Kingdom, and has been rated by Pricewaterhouse Coopers as the best insurance company of South Africa.

Products and Services
Shriram General Insurance Co. Ltd. offers a wide range of insurance products falling under 4 categories. The Motor category comprises of a number of policies for 2 wheeler vehicles, 4 wheeler private vehicles and 4 wheeler commercial vehicles, while the Fire category includes Standard Fire and Standard Peril policies. The Engineering category consists of Machinery Breakdown Insurance Policy, Boiler Pressure Plant Insurance Policy, Electronic Equipment Insurance Policy, Contractor's Plant and Machinery Insurance Policy, Contractor's All Risk Insurance Policy and Erection All Risks Insurance Policy. Apart from these, the Liability category includes Workman's Compensation Insurance Policy, Professional Indemnity for Doctors & Medical Practitioners, Professional Negligence, Errors and Omissions Insurance policy for Medical Establishments, and Professional Indemnity for Chartered Accountants, Management Consultants, Lawyers & Consulting Engineers, Architects and Interior Decorators.

Some other uncategorized insurance products being offered by Shriram General Insurance Co. Ltd. are Shopkeeper Umbrella, Householder Umbrella, Personal Accident and Burglary Insurance and Marine Insurance Cargo.

Head Office
Shriram General Insurance Company Limited,
Greams Sugar, 5th Floor, No. 149,
Greams Road,
CHENNAI - 600006
Website: www.shriram.com
Tata AIG General Insurance
Tata AIG General Insurance Company Limited, more popularly known as Tata AIG General, was formed as a joint venture company between Tata Group and American International Group, Inc. (AIG). The former holds 74 per cent stake in the insurance venture, while the latter is in the control of the rest 26 percent. The insurance company was established after the liberalization of the Indian insurance sector (2000) and commenced its operations in the following year i.e. 2001, on January 22.

At the start, Tata AIG General Insurance had only six branches for running its operations. However, the professional and trustworthy conduct of the insurance company has led it to the point where it has an extensive branch network, straddling almost the entire country. It is also credited for having a number of firsts within its profile. Tata AIG General was the first to introduce a toll free helpline number and a mobile claims service. The company is also regarded as the pioneer in claims registration and policy renewals via SMS.

Services
Tata AIG General Insurance Company Limited offers a complete range of general insurance policies, for motor, home, accident and health, travel, energy, property and casualty, marine and liability purposes, as well as several specialized financial lines. Apart from its wide and varied product basket, the insurance company also ensures quick and easy claim settlements, which in turn, has helped it in not only retaining the old customers (winning their loyalty), but also gaining new ones.

Products

For Individuals

Motor
Auto Secure
Private Car
Two Wheeler
Commercial Vehicle
Home
Fire Cover
Pre-Packaged Coverages
Supreme Cover
Privilege
Accident & Health
Accident Guard
Secured Future Plan
Hospital Care
Maharaksha
Healthcare +
Criticare
Travel
Travel Guard
Student Guard
Asia Travel Guard
Domestic Travel Guard
For Small Business
Society Policy
Office Policy
Package Policy
Educational Institutes Insurance
Hotel & Restaurant Insurance
Shop Insurance
For Corporates

Corporate Fleet

Corporate Risk Solutions Group

Accident and Health
Group Personal Accident
Group Multi Guard
Voluntary Employee Benefits
Travel
Business Travel Accident
Small Business Travel Accident
Energy
Contractor's All Risks / Erection All Risks
Contractor's All Risks Policy
Erection All Risks Policy
Advance Loss of Profits
Boiler & Machinery
Machinery Breakdown
Boiler & Pressure Plant
Electronic Equipment
Machinery Loss Of Profits
Chemical
Utilities
Oil & Petroleum
Property
Standard Property Insurance Coverages
Business Guard
Shakti
Office
Commercial
Risk Management
Marine Cargo
Marine Open Policy
Marine Specific Policy
Marine Sales Turnover Policy
Liability
Financial Lines
D&O
P / E&O
POSI
Crime Insurance
Casualty Lines
Public / General Liability
Product Liability
Commercial General Liability
Workmen's Compensation
Excess / Umbrella Liability
Contaminated Products Insurance
Kidnap, Ransom and Extortion Insurance
Pollution Legal Liability
Trade Credit Insurance
Head Office
Tata AIG General Insurance Company Limited
Peninsula Corporate Park,
Nicholas Piramal Tower, 9th Floor
Ganpatrao Kadam Marg
Lower Parel, Mumbai 400 013
Maharashtra, India
Phone: 91-22-66939500, 1800 11 9966 (toll-free)
Website: www.tata-aiggeneral.com
United India Insurance 
United India Insurance Company Limited is a leader in the business of General Insurance in India. It came into being on 18 February 1938. However, the General Insurance business was nationalized in the country in 1972, the United India Insurance was then merged with 12 Indian Insurance Companies, 4 Cooperative Insurance Societies, Indian operations of 5 Foreign Insurers, and the General Insurance operations of southern region of Life Insurance Corporation of India. The company has progressed tremendously since nationalization and today stands as one of the most trustworthy name in the Insurance sector.

Branches and Business
The United India Insurance Company Limited is one of the biggest companies in India with more than 20000 offices of the company spread in the length and breath of India. The company today, claims to cover more than 1 Crore policy holders under its insurance policies. With an efficient workforce of over 21000, the company claims apart from all the major cities of the country also claims its presence in more than 200 tier II and III towns and villages through their innovative Micro Offices. However, the headquarters the company is situated in Chennai, India.

The business of the United India is very widespread. The company claims to provide insurance cover to varied products right from insurance to bullock carts to satellites. The net income of the company was estimated to be Rs. 520 Crore in the year 2006. Apart from catering big brands like ONGC, GMR, Mumbai International Airport Ltd and Tirumala-Tirupati Devasthanam, United India has also been the pioneer of insurance in rural India. The Tsumani Jan Bima Yojana which covered more than 4.59 lakhs of families in the 4 Tsunami affected states of India gained a lot of appreciation throughout the country. United India Insurance has also been awarded with 'iAAA' rating by Investment Information and Credit Rating Agency consecutively for three years for its strong fundamental policies and financial strength.

Products and Services

Personal Services
Householder
Personal Accident
Mediclaim
Unimedicare
Commercial Services
Fire Insurance
Marine Insurance
Motor Insurance
Industrial Insurance
Liability Insurance
Head Office
24, Whites Road
Chennai - 600014
Tamil Nadu, India
Phone: 091-044-28520161
Email: www.uiic.co.in
Bharti AXA Life Insurance
Bharti AXA Life Insurance Co. Ltd. is a joint venture between Bharti - one of India’s leading business groups with interests in telecom, agri business and retail, and AXA - global leader in financial protection and wealth management. Bharti has recently entered into the retail business under a company called Bharti Retail Pvt. Ltd. AXA's operations are diverse geographically, with major operations in Western Europe, North America and the Asia/Pacific area. It also has operations in Australia, New Zealand, Hong Kong, Singapore, Indonesia, Philippines, Thailand, China, India and Malaysia.

Bharti AXA Life Insurance has a 74% stake from Bharti and 26% stake of AXA in the joint venture. In December 2006, the Company launched its operations in India. At present, it has more than 5200 employees working over 12 states in the country. With the continuous expansion, Bharti AXA Life Insurance is making itself proactive to cater to insurance and wealth management needs of people. Given below is the list of the insurance plans and financial solutions provided by Bharti AXA Life Insurance:

Individual Plans
Bharti AXA Bright Stars
Bharti AXA Spot Suraksha
Bharti AXA Dream Life Pension
Bharti AXA Aspire Life
Bharti AXA Invest Confident
Bharti AXA Wealth Confident
Bharti AXA Future Confident
Bharti AXA Future Confident II
Bharti AXA Save Confident
Bharti AXA Secure Confident
Group Plans
Bharti AXA Mortgage Credit Shield
Bharti AXA Life Credit Shield
Bharti AXA Life Shield
Bharti AXA Swasthya Sanjeevani
Bharti AXA Sanjeevani
Contact Address
Bharti AXA Life Insurance Co. Ltd.
Unit 601 & 602, 6th Floor
Raheja Titanium, Off Western Express Highway
Goregaon (East), Mumbai - 400063
Website: www.bharti-axalife.com
Canara HSBC Oriental Bank of Commerce Life Insurance
With an aim to become a significant life insurer in India, Canara Bank, HSBC Insurance (Asia-Pacific) Holdings Limited and Oriental Bank of Commerce (OBC), together established an insurance company in March 2007. Headquartered in Gurgaon (Haryana), Canara HSBC Oriental Bank of Commerce Life Insurance Company Ltd commenced its business on 16 June 2008, after receiving approvals by the Insurance Regulatory Development Authority (IRDA). Canara Bank holds 51% equity of Canara HSBC Oriental Bank of Commerce Life Insurance Company Ltd, while the holdings of HSBC and OBC are 26% and 23%, respectively.

The initial paid up capital of the Joint Venture is INR 325 Crore. The Joint Venture of three most trusted banks in India has emerged with a promise that it would become a significant player in the booming life insurance market in India, which has witnessed the entry of numerous private insurers over the last few years. In order to become a prominent name in the life insurance market in India, Canara HSBC Oriental Bank of Commerce Life Insurance Company Ltd has spread across India, with as many as 4100 branches networked all over the country, in order to cater to its customers.

The Unit Linked Whole Life Plan offered by Canara HSBC Oriental Bank of Commerce Life Insurance provides an ideal balance between protection and investments for the changing needs of the policy holder, through different stages of life. The Plan boasts of enabling the person to secure himself/herself as well as fulfill the dreams of his/her family for a lifetime. The Plan is also flexible, because it offers the choice on the amount of cover as well as the flexibility of investing in fund options. Apart from the individual product, there are group products as well, offered by the company.

Talking about the individual stake holders of Canara HSBC Oriental Life Insurance, all the three are some of the most trusted to bank upon. Canara Bank is an established names in the field of commercial banking services, mutual funds, housing and venture capital financing, factoring and insurance segments for the past many years. HSBC Bank is one of India's leading financial services groups, with prominent role in investment banking and capital markets, asset management, insurance broking, software development and global resourcing operations in the country. Oriental Bank of Commerce is the eleventh largest banks in India in terms of assets.

Products

Individual Products
Canara Bank HSBC Life Unit Linked Whole Life Plan
Canara Bank HSBC Life Unit Linked Endowment Plan
Canara Bank HSBC Oriental Bank of Commerce Life Unit Linked Pension Plan
Canara Bank HSBC Oriental Bank of Commerce Life Unit Linked Limited Pay Endowment Plan
Canara Bank HSBC Oriental Bank of Commerce Life Pure Term Plan
Group Products
Canara Bank HSBC Oriental Bank of Commerce Life Group Loan Protection Plan
Contact
Canara HSBC Oriental Bank of Commerce Life Insurance Company Limited
1st Floor, Tower B
First India Place
Vatika Tower
Sushant Lok Phase 1
Mehrauli-Gurgaon Road
Gurgaon 122002
Canara HSBC Oriental Bank of Commerce Life Insurance
With an aim to become a significant life insurer in India, Canara Bank, HSBC Insurance (Asia-Pacific) Holdings Limited and Oriental Bank of Commerce (OBC), together established an insurance company in March 2007. Headquartered in Gurgaon (Haryana), Canara HSBC Oriental Bank of Commerce Life Insurance Company Ltd commenced its business on 16 June 2008, after receiving approvals by the Insurance Regulatory Development Authority (IRDA). Canara Bank holds 51% equity of Canara HSBC Oriental Bank of Commerce Life Insurance Company Ltd, while the holdings of HSBC and OBC are 26% and 23%, respectively.

The initial paid up capital of the Joint Venture is INR 325 Crore. The Joint Venture of three most trusted banks in India has emerged with a promise that it would become a significant player in the booming life insurance market in India, which has witnessed the entry of numerous private insurers over the last few years. In order to become a prominent name in the life insurance market in India, Canara HSBC Oriental Bank of Commerce Life Insurance Company Ltd has spread across India, with as many as 4100 branches networked all over the country, in order to cater to its customers.

The Unit Linked Whole Life Plan offered by Canara HSBC Oriental Bank of Commerce Life Insurance provides an ideal balance between protection and investments for the changing needs of the policy holder, through different stages of life. The Plan boasts of enabling the person to secure himself/herself as well as fulfill the dreams of his/her family for a lifetime. The Plan is also flexible, because it offers the choice on the amount of cover as well as the flexibility of investing in fund options. Apart from the individual product, there are group products as well, offered by the company.

Talking about the individual stake holders of Canara HSBC Oriental Life Insurance, all the three are some of the most trusted to bank upon. Canara Bank is an established names in the field of commercial banking services, mutual funds, housing and venture capital financing, factoring and insurance segments for the past many years. HSBC Bank is one of India's leading financial services groups, with prominent role in investment banking and capital markets, asset management, insurance broking, software development and global resourcing operations in the country. Oriental Bank of Commerce is the eleventh largest banks in India in terms of assets.

Products

Individual Products
Canara Bank HSBC Life Unit Linked Whole Life Plan
Canara Bank HSBC Life Unit Linked Endowment Plan
Canara Bank HSBC Oriental Bank of Commerce Life Unit Linked Pension Plan
Canara Bank HSBC Oriental Bank of Commerce Life Unit Linked Limited Pay Endowment Plan
Canara Bank HSBC Oriental Bank of Commerce Life Pure Term Plan
Group Products
Canara Bank HSBC Oriental Bank of Commerce Life Group Loan Protection Plan
Contact
Canara HSBC Oriental Bank of Commerce Life Insurance Company Limited
1st Floor, Tower B
First India Place
Vatika Tower
Sushant Lok Phase 1
Mehrauli-Gurgaon Road
Gurgaon 122002
India
Helpline Number: 1800-10-30003

India
Helpline Number: 1800-10-30003
Future Generali Life Insurance
Future Generali India Life Insurance Co. Ltd. is one of the rapidly growing Insurance companies in India. The Company is a joint venture between the India-based Future Group and the Italy-based Generali Group. Future Generali group is present in both the Life and Non-Life businesses in India as Future Generali India Life Insurance Co. Ltd. and Future Generali India Insurance Co. Ltd.

Future Group is one of India’s leading business houses with multiple businesses spanning across the country. Retail is the main business activity of Future Group, but its presence can also be seen in consumer finance, capital, insurance, leisure and entertainment, brand development, retail real estate development, retail media and logistics. Future Group believes in developing strong insights on Indian consumers and building businesses based on Indian ideas.

Generali Group was established in Trieste on December 26, 1831. It is an international group working in more than 40 countries with insurance companies, financial companies and real estate sectors. After doing business in Central Eastern Europe, Generali Group has started to develop business in the principal markets of the Far East, including China and India. Generali Group ranks among the top three insurance groups in Europe and the 30th largest company in the Fortune 500 international ranking.

Future Generali India Life Insurance Company provides different insurance plans which are listed below:

LIFE INSURANCE

Individual Insurance Plans
Future Generali Future Care
Future Generali Future Assure
Future Generali INSTA life
Future Generali Future Pension Plan
Future Generali Future Pension Advantage Plan
Future Generali Future Sanjeevani
Future Generali Future Guarantee Plan
Group Insurance Plans
Future Generali Group Term Life
Future Generali Group Credit Suraksha
Future Generali Group Gratuity Plan
Contact Address
Future Generali India Life Insurance Co. Ltd.
001, Trade Plaza
414, Veer Savarkar Marg, Prabhadevi
Mumbai - 400025
Website: www.futuregenerali.in
Religare Life Insurance
AEGON Religare Life Insurance Company Ltd is a joint venture of AEGON, Religare and Bennett, Coleman & Company. AEGON in one of the world's leading life insurance and pension groups. Religare is a prominent player in the field of integrated financial services in India. On the other hand, Bennett- Coleman & Company is India’s largest media house. The insurance company began its operation in July 2008. Within a short span of time, it has spread across India, by opening over 30 branches in the country.

AEGON Religare Life Insurance offers multitude of benefits to its customers. It offers policy servicing on the phone via Interactive Voice Response System (IVR). This is done by issuing the customer a T-Pin for authentication. It boasts of being the first insurance company in India to include the customer’s medical report in the policy kit. Talking about the individual stake holders, AEGON serves over 40 million customers in as many as 20 markets spread throughout the Americas, Asia and Europe. Headquartered in The Hague, the Netherlands, AEGON carries out major operations in the United States, the Netherlands and the United Kingdom.

Religare Enterprises Limited (REL) is a significant player in the field of Retail, Institutional and Wealth spectrums. It has a diverse and wide base of clientele. REL holds 44% equity in AEGON Religare Life Insurance Company Ltd. Talking about Bennett, Coleman & Co. Ltd. (BCCL) it is a mammoth in the field of media, since it is associated with the Times Group, India's largest media house. The Joint Venture of the three giants (of their respective fields) has given rise to AEGON Religare Life Insurance.

Products

Protection Plan
AEGON Religare Level Term Plan
AEGON Religare Increasing Term Plan
AEGON Religare Level Term Plan
AEGON Religare Increasing Term Plan
AEGON Religare Group Term plan
AEGON Religare Decreasing Term Plan
AEGON Religare Rural Term Plan
Saving Plans
AEGON Religare Protect Gain Plan
AEGON Religare Premium Gain Plan
AEGON Religare Guaranteed Return Plan - 3
Child Plan
AEGON Religare Star Child Plan
Retirement Plan
AEGON Religare Pension Plan
Contact
AEGON Religare Life Insurance
2nd Floor, Paranjpe B Scheme
Subhash Road, Near Garware House
Vile Parle (E), Mumbai - 400 057
Sahara India Life Insurance
The Sahara Pariwar, popularly known as the world's largest 'family' with diversified business interests, is a recent entrant in the field of life insurance. Its insurance company - Sahara India Life Insurance Company Ltd. was granted license by the insurance regulator - the IRDA, on 6 February 2004. With this approval, Sahara Life Insurance becomes the first wholly Indian-owned company in the Indian life insurance market without any collaboration with the organizations abroad. The paid up capital of the insurance company at the time of its commencement was Rs 157 Crore. The Chairman of Sahara Pariwar, Subrata Roy Sahara, is also the chairperson of Sahara Life Insurance Company limited.

The insurance plans offered by Sahara India Life Insurance Company Limited are unique in their own terms. The company offers both individual and group insurance products. Through the different insurance plans, the company aims to cater to the different needs of the Indian society. For instance, the Sahara Jan Kalyan group scheme is formulated to address the life insurance needs of the financially weaker sections of the Indian population. One of the highlighting points of the scheme is accident benefit.

Apart from the working and the dependent population, the insurance plans formulated by Sahara India Life Insurance Company Limited are beneficial for the retired people as well. The pension plans of the company (such as Sahara Amar Jeevan) help the policy holder to live a frivolous and relaxed life after retirement. As per the plan, the person holding the policy is subjected to do monetary savings in little amounts per month. Talking about the individual plans, Sahara Sanchay - R scheme and Sahara Samarth are also beneficial in many ways.

Insurance Plans

Children
Sahara Ankur
Endowment Assurance
Sahara Nidhi
Sahara Sahyog
Money Back Policy
Sahara Sampann
Sahara Samriddhi
Term Assurance
Sahara Kavach
Pension Plans
Sahara Swabhimaan
Sahara Amar Jeevan
Unit Linked Plans
Sahara Sanchay - R
Sahara Samarth
Group Insurance
Sahara Samooh Samyojana
Sahara Jamakarta Samooh Bima
Sahara Samooh Suraksha
Sahara Jan Kalyan
Contact
Sahara India Life Insurance Co. Ltd.,
Sahara India Bhawan
1, Kapoorthala Complex
Aliganj
Lucknow- 226 024
India
Phone: 0522-2337777
Website: www.saharalife.com
India
Toll Free Number: 1800 209 9090
Star Union Dai-ichi Life Insurance
Star Union Dai-ichi Life Insurance is a joint endeavor of Bank of India and Union Bank of India (two major Public Sector Banks in India) and Dai-ichi Mutual Life Insurance Company (foremost Japanese Company in the Life Insurance market). The company deals with the Life Insurance Business in India. Registered on September 25, 2007, with the Registrar of Companies in Maharashtra, the company gained its license on December 26, 2008, by the Insurance Regulatory and Development Authority (IRDA).

Star Union Dai-ichi Life Insurance Company has an initial capital of Rs. 250 crores, of which Bank of India has a 51% stake, Union Bank of India has 23% and Dai-ichi Life holds 26% stake. The company is expected to be a strong contender in the insurance sector, taking into consideration its insurance, IT, finance and investment resources. The enterprise offers various products to serve all sections of the society. It is also offers insurance to rural and weaker social sectors of the society. Star Union Dai-ichi Life Insurance operates through Bank of India and Union Bank's 5400 offices, spread across the length and breath of India.

The powerful network of offices allows the company a wider reach to its potential customers. The strong brand equity and high level of trust of the two public sector banks among people at large, would definitely add to the company's life insurance business. Besides, they also sponsor Regional Rural Banks thereby giving more scope to tap the life-insurance business in the rural areas. Dai-ichi Life, on the other hand, is a leading player in the Life Insurance Segment in Japan. It is one of the top ten Life Insurers in the world and the second largest Life Insurance Company in Japan.

Products & Services

Individual Products

Investment Products
Dhan Suraksha ULIP
Dhan Suraksha Premium ULIP
Prabhat Tara
Pension Products
Immediate Annuity
Traditional Products
Jeevan Safar
Riders
Critical Illness
Accident Benefit Rider
Group Products

Term Insurance
Ashiana Suraksha
Bachat Kavach
Riders
Group Critical Illness
Group Accident Benefit Rider
Registered Office
Star Union Dai-ichi Life Insurance Company Limited,
11th Floor, Raghuleela Arcade,
IT park, Sector 30 A, Opp. Vashi Railway Station,
Vashi, Navi Mumbai - 400703
Phone: 022-39546300
Website: http://sudlife.in/SitePages/homepage.aspx