Insurance Products

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Matters Most

Comprehensive health, travel, marine, and business insurance. Understand your coverage, file claims with ease, and get indemnified quickly when you need it most.

Explore Coverage How Claims Work
98%
Claims Paid
24hr
Response
125K+
Policies

Our Insurance Covers

Choose the coverage that fits your needs. Click any product to learn more about benefits, claims, and how to get indemnified.

Health Insurance
Health Insurance

Comprehensive medical coverage for individuals and families. Hospitalization, surgeries, specialist consultations, and preventive care.

  • Individual & family plans
  • Preventive care & wellness programs
  • Emergency & inpatient coverage
Health Insurance — Full Details
What's Covered
  • Hospital admission & inpatient care
  • Surgical procedures & anesthesia
  • Specialist consultations & diagnostics
  • Prescription medications (in-hospital)
  • Maternity & newborn care
  • Annual health screenings
How to Get Indemnified
  1. Notify us within 48 hours of hospitalization via dashboard or claims hotline
  2. Submit documents — medical reports, discharge summary, bills & receipts
  3. Claim review — our team verifies coverage within 24–48 hours
  4. Reimbursement — approved claims are paid directly to your bank account within 5–7 business days
Cashless option: Use our network hospitals for direct billing — no out-of-pocket payment required.
Travel Insurance
Travel Insurance

Protection for trip cancellations, medical emergencies abroad, lost luggage, and flight delays — worldwide coverage.

  • Trip cancellation & interruption
  • Emergency medical expenses abroad
  • Lost or delayed baggage compensation
Travel Insurance — Full Details
What's Covered
  • Trip cancellation due to illness, accident, or unforeseen events
  • Emergency medical treatment & hospitalization abroad
  • Emergency medical evacuation & repatriation
  • Lost, stolen, or delayed baggage
  • Flight delays & missed connections
  • Personal liability while traveling
How to Get Indemnified
  1. Report the incident immediately — contact our 24/7 travel assistance hotline
  2. Keep all documentation — police reports, medical bills, boarding passes, baggage tags
  3. File your claim within 30 days of returning via your dashboard
  4. Reimbursement — approved travel claims are paid within 5–10 business days
24/7 Assistance: Call our global travel hotline for immediate help anywhere in the world.
Marine Insurance
Marine Insurance

Protect your cargo, vessels, and freight against loss or damage during sea transit, port operations, and inland waterways.

  • Cargo & freight protection
  • Hull & machinery coverage
  • Port & inland transit risks
Marine Insurance — Full Details
What's Covered
  • Loss or damage to cargo during sea transit
  • Hull & machinery damage to vessels
  • General average contributions
  • War, strikes, and piracy risks
  • Loading, unloading & warehouse-to-warehouse transit
  • Third-party liability at sea
How to Get Indemnified
  1. Report the loss — notify our marine claims team within 72 hours of discovery
  2. Document everything — bill of lading, survey reports, photos of damage, shipping invoices
  3. Marine surveyor — we may appoint an independent surveyor to assess the damage
  4. Claim settlement — approved marine claims are settled within 10–15 business days
Pro tip: Always declare accurate cargo values and maintain proper packaging records to speed up claims.
Business Insurance
Business Insurance

General liability, professional indemnity, workers compensation, and property protection for businesses of all sizes.

  • General & professional liability
  • Workers compensation
  • Business property & equipment
Business Insurance — Full Details
What's Covered
  • General liability — third-party injury or property damage claims
  • Professional indemnity — errors, negligence, or malpractice claims
  • Workers compensation — workplace injuries & occupational illness
  • Commercial property — fire, theft, natural disasters
  • Business interruption — lost income during downtime
  • Cyber liability — data breaches & IT security incidents
How to Get Indemnified
  1. Report the incident — file a claim through your business dashboard or call our commercial hotline
  2. Preserve evidence — incident reports, witness statements, photos, police reports if applicable
  3. Cooperate with assessment — our claims adjuster may visit your premises for evaluation
  4. Settlement — approved business claims are settled within 7–14 business days
Legal support: Our team provides legal defense coverage for liability and professional indemnity claims at no extra cost.

How the Claims Process Works

A simple 4-step process to get indemnified — from reporting to reimbursement

1
Report the Incident

Notify us via your dashboard, mobile app, or 24/7 claims hotline as soon as possible.

2
Submit Documentation

Upload supporting documents — medical bills, police reports, photos, invoices, or survey reports.

3
Review & Assessment

Our claims team verifies your coverage and assesses the claim within 24–48 hours.

4
Get Indemnified

Approved claims are paid directly to your bank account within 5–15 business days.

File a Claim Now
Insurance Protection

Why Choose Our Insurance?

Fast Claims
Claims processed within 24–48 hours
Affordable Premiums
Competitive rates with bundle discounts
Expert Advisors
Licensed agents to guide your coverage
Customizable Plans
Tailor coverage to your specific needs

Frequently Asked Questions

You can file a claim through your online dashboard, mobile app, or by calling our claims hotline. Simply provide the details of the incident and any supporting documentation. Our team reviews and responds within 24 hours.

Required documents vary by insurance type. Generally: medical reports and bills for health claims, police reports and photos for travel/marine claims, and incident reports for business claims. Full document checklists are available on each product detail section above.

Most claims are reviewed within 24–48 hours. Once approved, reimbursement is typically processed within 5–15 business days depending on the claim type and complexity. Health insurance also offers cashless treatment at our network hospitals.

Yes! Bundle your health, travel, marine, and business policies together to save up to 30% on premiums. Multi-policy discounts are applied automatically when you hold two or more active policies.

Coverage exclusions vary by policy type. Common exclusions include pre-existing conditions (health), intentional damage, wear and tear, and undeclared risks. Full exclusion details are provided in your policy documents before purchase.

Yes, you can cancel your policy at any time. If you cancel within the first 30 days, you'll receive a full refund. After that, prorated refunds are available depending on the policy type and claims history.

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