Personal Solutions
Personal and SME coverage — motor, home, health, travel, and packaged solutions. The same analytical rigour we apply to corporate clients, now available for individuals and small businesses.
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Personal
Personal · SME · Family
Most retail insurance is sold, not bought. Policies are pushed based on what earns commission, not what actually protects you. Sum insured calculations are rough estimates. Policy terms are not explained. Claims become battles.
We take a different approach. Whether you're protecting your family's health, your home, your vehicle, or your small business — we analyse your actual exposure and recommend coverage that fits your needs and budget.
The same analytical rigour we apply to corporate programmes — understanding your risk, benchmarking options, and advocating at claims time — is available for personal and SME insurance.
PRODUCTS
Motor Insurance
Comprehensive and third-party cover for cars and two-wheelers — with optional add-ons including zero depreciation, engine protection, and roadside assistance.
Whats Covered
Own damage, theft, third-party liability, natural perils, optional zero-depreciation, engine protect, NCB protect
Key Exclusions
Wear & tear, mechanical failure, intoxicated driving, vehicle used outside permit
Home Insurance
Protection for your home structure and contents against fire, natural disasters, theft, and other perils.
Whats Covered
Building, contents, jewellery, electronics, alternate accommodation, personal liability
Key Exclusions
Wear & tear, war/nuclear, intentional damage, undeclared valuables beyond limits
Personal Health Insurance
Individual and family floater health plans covering hospitalisation, critical illness, and outpatient care.
Whats Covered
Cashless hospitalisation, pre/post-hospital, daycare, ambulance, critical illness, restoration benefit
Key Exclusions
Cosmetic procedures, self-inflicted injury, undeclared pre-existing conditions, fertility treatment
Personal Accident Insurance
Coverage for accidental death and disability — providing financial protection for you and your family.
Whats Covered
Accidental death, permanent disability, partial disability, weekly compensation, education grant
Key Exclusions
Self-inflicted injury, illness, war, professional sports, intoxication
Travel Insurance
Domestic and international travel coverage for medical emergencies, trip cancellation, baggage, and more.
Whats Covered
Medical emergencies, trip cancellation, baggage loss/delay, flight delay, personal liability, evacuation
Key Exclusions
Pre-existing conditions (unless declared), adventure sports (unless added), war zones
SME Package Insurance
Bundled coverage for small businesses combining property, liability, and business interruption in a single policy.
Whats Covered
Property damage, business interruption, public liability, money in transit, employee fidelity
Key Exclusions
Professional services (separate PI), large industrial perils, undisclosed activities
Cyber Insurance for Individuals
Personal cyber coverage protecting against identity theft, online fraud, and cyber extortion.
Whats Covered
Identity theft, online financial fraud, social-engineering scams, unauthorized transactions, restoration costs
Key Exclusions
Negligent password sharing, undisclosed prior incidents, business-related losses
Term Life Insurance
Pure protection life insurance providing financial security for your family at an affordable premium.
Whats Covered
Death benefit (any cause), terminal illness rider, optional accidental death enhancement
Key Exclusions
Suicide within first year, war/nuclear, undisclosed health conditions, criminal acts
Personal Solutions
Frequently asked questions about personal coverage.
A broker works for you, not the insurer. We compare policies across companies, explain the fine print, ensure adequate coverage, and advocate for you at claims time. Direct purchase or agent-sold policies often miss coverage gaps that emerge only at claims.
Consider your city (metro hospital costs are higher), family medical history, and age. A family of four in a metro typically needs ₹15-25 lakhs minimum. We analyse your situation and recommend adequate cover with the right insurer based on network and claims experience.
Third-party is legally mandatory but only covers others. Comprehensive covers your own vehicle too. For vehicles under 5-6 years old, comprehensive usually makes sense. We help you evaluate based on vehicle value, usage, and risk appetite.
Key add-ons include: zero depreciation (reduces out-of-pocket at claims), engine protection, roadside assistance, and NCB protection. Not all add-ons are worth it for every vehicle — we help you choose based on your car's age and usage.
Yes — tenant insurance covers your contents (furniture, electronics, valuables) and personal liability. The landlord's policy covers the building, not your belongings. Tenant policies are affordable and provide important protection.
We provide the same claims advocacy for retail clients as corporate ones. When you have a claim, contact us first — we guide documentation, follow up with the insurer, and escalate if needed. You're not left dealing with the insurer alone.
START THE CONVERSATION
Not sure what cover you actually need?
Tell us what you're protecting. We'll help you understand the right coverage for your needs, family or business.
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