1.
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Motor Policy -
Two Wheelers
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Policy indemnifies bona fide owner of Two wheeler, used for personal
purposes against the loss due to damage / theft / burglary of vehicle
or any part there of, electrical accessories and also includes cover
against liability towards third party personal injury and property
damage1.
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2.
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Householders
Policy
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Policy covers risks of different types and protects the house as well
as personal effects and household goods.
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3.
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Personal
Accident Policy
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Policy compensates individuals against accidental injuries resulting
in disability or death.
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4.
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Critical
Illness Policy
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Policy provides exclusive benefit to individuals in the age group
20-65 years who are unexpectedly diagnosed for treatment of critical
ailments like Coronary Artery Surgery, Cancer, Renal Failure, Major
Organ Transplant, Stroke or Multiple Sclerosis.
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5.
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NRI Accident
Policy
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Policy covers Non-Resident Indians and family against loss arising
from accidental injuries including death.
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6.
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Amartya Siksha
Yojana Policy
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Policy covers cost of education of a student/students in the age
group of 4 to 25 years in the event of death of Parent/Guardian thus
providing for continuation of studies.
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7.
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Rajrajeshwari Mahila Kalyan Yojana Policy
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Specially designed to protect the welfare of women mainly in rural
and semi-urban areas.
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8.
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Bhagyashree
Child Welfare Policy
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Policy provides protection to the girl child in the event of death of
either or both the parents.
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9.
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Traffic
Accident Policy
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Policy provides hospitalization expenses up to Rs. 1 lac and Personal
Accident Benefits up to Rs. 1 lac in case of road/rail accidents
resulting in injuries/death.
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10.
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Niwas Yojana
Policy
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Policy insures repayment of housing loan in case of accidental
death/Permanent Total Disablement of loanee and also covers
residential building and the owners permanent fixture and fittings
against Fire and allied perils including Flood, Storm, Earthquake
etc.
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11.
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Baggage Policy
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Policy indemnifies individual or a party against loss/damage to
personal effects such as clothing etc carried as baggage during
travel.
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12.
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Mediclaim
Policy
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Provides protection to individuals, families, employers, employees
and welfare bodies against heavy financial burden for treatment in
hospitals for illness, disease or accident, whether involving surgery
or not.
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13.
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Motor Policy -
Private Car
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Policy indemnifies bona fide owner of Motor Car, used for personal
purposes against the loss due to damage / theft / burglary of vehicle
or any part there of, electrical accessories and also includes cover
against liability towards third party personal injury and property
damage.
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14.
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Professional
Indemnity for Doctors
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Policy covers liability on account of errors and omission of doctors
while rendering professional services.
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15.
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Star National
Swasthya Bima Policy
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Star National Swasthya Bima policy is a unique Health Policy designed
especially for the Account holders of Bank of India. The entire
family consisting of the account holder, spouse and two dependent
children upto the age of 21 years can be covered under this policy.
This policy covers Hospitalization expenses for account holder and
family. In case of hospitalization Expenses, the entire family is
covered for the Floater Sum Insured as opted for, i.e., either one or
all members of the family, as stated above, can utilize the Sum
Insured during the policy period.
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16.
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PARIVAR –
Mediclaim for Family
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This is a Family Floater Health Insurance Policy wherein entire
family will be covered under single Sum Insured. The Policy covers
reimbursement of Hospitalization expenses for illness/diseases
contracted or injury sustained by the Insured Person. In the event of
any claim becoming admissible under the policy, the Company either
pay directly to the insured if TPA service is not availed by the
insured or pay to the Hospital/Nursing Home through TPA the amount of
such expenses subject to limits as would fall under different heads
mentioned below, as are reasonably and necessarily incurred in
respect thereof anywhere in India by or on behalf of such Insured
Person but not exceeding Sum Insured (all claims in aggregate) for
that family as stated in the Schedule in any one period of
insurance.
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17.
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VIDYARTHI-Mediclaim
for Students
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VIDYARTHI-Mediclaim for Students is a unique policy designed to
provide Health and Personal accident cover to the students. It also
provides for continuation of insured students education in case of
death or permanent total disablement of the guardian due to
accident.
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18.
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UCO Medi + Care Bima Policy
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Uco Medi+ Care Bima is a unique Health cum Accident Policy designed
especially for the a/c holders of Uco Bank. The entire family
consisting of the a/c holder, spouse and 2 dependent children and two
dependant parents can be covered under this policy.
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19.
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VARISTHA
Mediclaim for Senior Citizens
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This policy has been designed to cater to the needs of our Senior
Citizens. It covers Hospitalization and Domiciliary Hospitalization
Expenses under Section I as well as expenses for treatment of
Critical Illnesses, if opted for, under Section II. Diseases covered
under Critical Illnesses are as under: • Coronary Artery Surgery •
Cancer • Renal Failure i.e. Failure for both kidneys • Stroke •
Multiple Sclerosis • Major Organ Transplants like kidney, Lung,
Pancreas or Bone marrow • Paralysis and blindness at extra premium
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20.
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BOI National
Swasthya Bima
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BOI National Swasthya Bima policy is a unique Health Policy designed
especially for the Account holders of Bank of India. The entire
family consisting of the account holder, spouse and two dependent
children upto the age of 21 years can be covered under this policy.
This policy covers Hospitalization expenses for account holder and
family. In case of Hospitalization Expenses, the entire family is
covered for the Floater Sum Insured as opted for, i.e., either one or
all members of the family, as stated above, can utilize the Sum
Insured during the policy period.
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21.
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Overseas
Mediclaim
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Overseas Mediclaim policy covers Medical Expenses whilst traveling
abroad for business/holiday. The policy will be valid only if the
insured journey commences within 14 days of the first day of
insurance as indicated in the policy schedule.
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22.
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Baroda Health
Policy
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Baroda Health policy is a unique Health cum Accident Policy designed
especially for the a/c holders of Bank of Baroda. The entire family
consisting of the a/c holder, spouse and 2 dependent children can be
covered under this policy. This policy covers Hospitalization
expenses for a/c. holder and family. In case of Hospitalization
Expenses, the entire family is covered for the Floater Sum Insured as
opted for, i.e., either one or all members of the family can utilize
the Sum Insured during the policy period.
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1.
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Cattle /
Livestock Insurance
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Policy indemnifies against loss sustained due to loss of life of
cattle / livestock.
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2.
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Sheep and Goat
Insurance
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Policy indemnifies against loss sustained due to loss of life of
Sheep or Goat.
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3.
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Elephant
Insurance
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Policy provides indemnity to insured for the loss sustained by him
due to death of his elephant used for commercial/religious purpose.
Policy does not provide cover to circus elephants.
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4.
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Dog Insurance
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Policy covers death of pet dogs of Cross-bred and exotic breeds
between the age group of 2 months to 8 years.
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5.
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Brackish Water
Prawn Insurance
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Policy covers Total loss of prawns, Nursed seeds in hatcheries owned
by state Government, FFDAS, State Fisheries Corporation, MPEDA or
such other organisations.
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6.
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Silkworm (
Sericulture) Insurance
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Policy covers total or partial loss due to death of silk worms of
different variety due to disease or accident.
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7.
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Janata
Personal Accident Insurance
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Policy Covers individuals in the age group of 10-70 years against
death or total / partial disablement.
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8.
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Horticulture/Plantation
Insurance
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Policy covers Loss or Damage to the Insured tree / plant due to fire
/ lightning / storm / hailstorm / cyclone / tempest.
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9.
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Kisan
Agriculture Pumpset Insurance
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Policy covers centrifugal pump sets (Electrical and Diesel oil)
submersible pump sets up to 25 HP used for agricultural purposes
against Electrical/Mechanical Breakdown, Fire /Lighting, Theft and
Burglary, Riot/Strike/Malicious damage etc.
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Policies
- Industrial Line
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1.
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Erection All
Risks Insurance ( EAR )
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Erection All Risk Insurance provides cover for projects involving
equipment and other similar erections.
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2.
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Contractors
All Risks Insurance (CAR)
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Contractors All Risks Insurance caters to the need of projects which
predominantly involves civil work like construction of multi storied
buildings, flyovers, bridges etc.
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3.
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Machinery
Insurance ( MI )
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Machinery Insurance provides insurance protection to both rotating as
well as static equipment while at work or at rest against mechanical
and electrical breakdown and also human error and negligence.
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4.
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Electronic
Equipment Insurance ( EEI)
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Electronic Equipment Insurance caters to the peculiar needs of the
electronic equipments which are not only extremely sensitive to the
slightest changes in ambience conditions but also are characterized
by having a large value concentration in a relatively compact set
ups.
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5.
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Consequential
Loss (Fire) Policy
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Consequential Loss (Fire) policy provides the most commonly sought
after protection for business interruption triggered by fire and
allied perils.
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6.
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Standard Fire
and Special Perils Policy
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Fire Insurance provides cover against a host of perils ranging from
fire, lightening, explosion/implosion, aircraft damage etc as well as
act of God perils.
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7.
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Workmen
Compensation Insurance
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This policy provides indemnity to the Insured against liability to
pay compensation if any employee in the Insureds service sustain
bodily injury by accident or contracts disease arising out of and in
the course of his employment.
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8.
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Product
Liability Insurance
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The policy indemnifies the insured against legal liability to third
parties for death / bodily injury or damage to property arising out
of use of the product sold to them.
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9.
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Public
Liability Insurance
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This policy indemnifies the insured against legal liability to pay
compensation to third parties for death /bodily injury or damage to
property arising out of accidents out of insureds business
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Policies
- Commercial Line
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1.
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Burglary
(Business Premises) Policy
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Covers loss due to theft and burglary of movable properties like
stock-in-trade, plant and machinery, furniture, fittings etc followed
by virulent and forceful entry or exit.
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2.
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Shopkeepers
Policy
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This policy is specifically devised for small shopkeepers having
building and stock value limited to less than or equal to Rupees ten
lacs. The policy covers host of risks like stock in trade, building,
furniture, money-in-transit, business interruption etc. and
indemnifies the insured loss due to any of the perils covered.
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3.
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Bankers
Indemnity Policy
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This Policy is specially designed for banks to provide indemnity
against direct loss suffered by them (excluding Non Banking Financial
Institutions). The policy covers loss of Money and/or Securities
inside Bank or while In Transit, Forgery or Alteration, Dishonesty of
employees etc.
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4.
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Office Package
Policy
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This policy provides a package of various covers required by an
office establishment including cover for buildings, the Landlords
Fixture and Fittings, Boundary Walls and Fences, Canteen etc. Office
contents, equipments, cover for employees, Public Liability etc all
built in one policy.
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5.
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Glass
Insurance
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The policy covers loss due to accidental breakage of plain and
ordinary glazed glasses without embossing, silvering, lettering,
bending or ornamented fitted to doors, windows, show-cases, counters
and shelves. Crockeries are not insurable under Glass Insurance.
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6.
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Money Insurance
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Policy indemnifies insured against loss of Cash, Currency Notes,
Coins, Securities, Postal Orders, Stamps, Cheques etc. whilst in
transit or in locked safe.
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7.
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Jewellers
Block Policy
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Covers loss of or damage to the stock in trade and also cash and
currency notes while contained in the premises where the insureds
business is carried on or at other premises where the property
insured is deposited.
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8.
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Extended
Warranty Policy
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Policy provides extended warranty to prospective buyers of vehicle,
over and above the normal warranty provided by Manufacturers /
Authorised dealers of vehicles like cars and two wheelers.
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9.
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Directors and
Officers Liability Policy
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Policy indemnifies legal liability to third party due to wrongful act
by Directors and Officers of any company but excludes dishonest,
fraudulent, criminal or malicious act, personal guarantee, libel and
slander and damage to property and pollution damage.
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10.
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Fidelity
Guarantee Policy
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The term Fidelity Guarantee Insurance embraces policies
indemnifying employers against financial loss on account of forgery,
defalcation, embezzlement and fraudulent conversion by employees. The
object is to provide protection in respect of the default of an
individual acting in some capacity such as Cashier, Accountant,
Store-keeper etc. The cover may be required in respect of a single
employee or a number of employees.
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11.
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Marine Cargo
Insurance
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The policy provides cover to cargo against risk of damage when it is
exposed to maritime perils during transportation. The policy covers
two categories of risk which are Standard risks of transport and
Exceptional risks of transport (war, strike or similar).
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