WINSURE

  1.

Motor Policy - Two Wheelers

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.

  2.

Householders Policy

Policy covers risks of different types and protects the house as well as personal effects and household goods.

  3.

Personal Accident Policy

Policy compensates individuals against accidental injuries resulting in disability or death.

  4.

Critical Illness Policy

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.

  5.

NRI Accident Policy

Policy covers Non-Resident Indians and family against loss arising from accidental injuries including death.

  6.

Amartya Siksha Yojana Policy

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.

  7.

Rajrajeshwari Mahila Kalyan Yojana Policy

Specially designed to protect the welfare of women mainly in rural and semi-urban areas.

  8.

Bhagyashree Child Welfare Policy

Policy provides protection to the girl child in the event of death of either or both the parents.

  9.

Traffic Accident Policy

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.

  10.

Niwas Yojana Policy

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.

  11.

Baggage Policy

Policy indemnifies individual or a party against loss/damage to personal effects such as clothing etc carried as baggage during travel.

  12.

Mediclaim Policy

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.

  13.

Motor Policy - Private Car

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.

  14.

Professional Indemnity for Doctors

Policy covers liability on account of errors and omission of doctors while rendering professional services.

  15.

Star National Swasthya Bima Policy

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.

  16.

PARIVAR – Mediclaim for Family

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.

  17.

VIDYARTHI-Mediclaim for Students

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.

  18.

UCO Medi + Care Bima Policy

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.

  19.

VARISTHA Mediclaim for Senior Citizens

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

  20.

BOI National Swasthya Bima

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.

  21.

Overseas Mediclaim

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.

  22.

Baroda Health Policy

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.

  1.

Cattle / Livestock Insurance

Policy indemnifies against loss sustained due to loss of life of cattle / livestock.

  2.

Sheep and Goat Insurance

Policy indemnifies against loss sustained due to loss of life of Sheep or Goat.

  3.

Elephant Insurance

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.

  4.

Dog Insurance

Policy covers death of pet dogs of Cross-bred and exotic breeds between the age group of 2 months to 8 years.

  5.

Brackish Water Prawn Insurance

Policy covers Total loss of prawns, Nursed seeds in hatcheries owned by state Government, FFDAS, State Fisheries Corporation, MPEDA or such other organisations.

  6.

Silkworm ( Sericulture) Insurance

Policy covers total or partial loss due to death of silk worms of different variety due to disease or accident.

  7.

Janata Personal Accident Insurance

Policy Covers individuals in the age group of 10-70 years against death or total / partial disablement.

  8.

Horticulture/Plantation Insurance

Policy covers Loss or Damage to the Insured tree / plant due to fire / lightning / storm / hailstorm / cyclone / tempest.

  9.

Kisan Agriculture Pumpset Insurance

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.

  1.

Erection All Risks Insurance ( EAR )

Erection All Risk Insurance provides cover for projects involving equipment and other similar erections.

  2.

Contractors All Risks Insurance (CAR)

Contractors All Risks Insurance caters to the need of projects which predominantly involves civil work like construction of multi storied buildings, flyovers, bridges etc.

  3.

Machinery Insurance ( MI )

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.

  4.

Electronic Equipment Insurance ( EEI)

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.

  5.

Consequential Loss (Fire) Policy

Consequential Loss (Fire) policy provides the most commonly sought after protection for business interruption triggered by fire and allied perils.

  6.

Standard Fire and Special Perils Policy

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.

  7.

Workmen Compensation Insurance

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.

  8.

Product Liability Insurance

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.

  9.

Public Liability Insurance

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

  1.

Burglary (Business Premises) Policy

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.

  2.

Shopkeepers Policy

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.

  3.

Bankers Indemnity Policy

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.

  4.

Office Package Policy

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.

  5.

Glass Insurance

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.

  6.

Money Insurance

Policy indemnifies insured against loss of Cash, Currency Notes, Coins, Securities, Postal Orders, Stamps, Cheques etc. whilst in transit or in locked safe.

  7.

Jewellers Block Policy

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.

  8.

Extended Warranty Policy

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.

  9.

Directors and Officers Liability Policy

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.

  10.

Fidelity Guarantee Policy

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.

  11.

Marine Cargo Insurance

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).