Health Insurance

It’s often said that your health is your wealth. And with the same belief, we make it our mission to ensure that your health is never compromised. That’s why we offer you an array of flexible plans to protect your health. Be it for yourself or your near and dear ones.

Motor Insurance

Motor insurance (also known as car insurancemotor insurance, or auto insurance) is insurance for cars, trucks, motorcycles, and other road vehicles. Its primary use is to provide financial protection against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise from incidents in a vehicle. Vehicle insurance may additionally offer financial protection against theft of the vehicle, and against damage to the vehicle sustained from events other than traffic collisions, such as keying, weather or natural disasters, and damage sustained by colliding with stationary objects. The specific terms of Motor insurance vary with legal regulations in each region.

Call Raghukul Consultancy to protect your vehicle.

Accident Insurance

Personal Accident insurance or PA insurance is an annual policy which provides compensation in the event of injuries, disability or death caused solely by violent, accidental, external and visible events. It is different from life insurance and medical & health insurance.

You can either take a PA policy for yourself or a group policy for your family, protecting you and them anywhere in the world, anytime of the day. PA insurance provides 24-hour worldwide insurance protection.

Home Insurance

Home means a world to us, it is the epitome of our desires and emotions. Many of us invest the savings of lifetime to get a home for ourselves. We need to make sure that it is safe... Home insurance covers the structure of house and the contents which include prized possessions against damage from natural calamities like floods, earthquake, storm and man made events like riots, arson etc.

Benefits and Features of Home Insurance

  • Complete coverage for any damage to your home or it's contents from natural calamities and man made events
  • Complete peice of mind in midst of environmental issues or social unrest
  • Theft or burglary of property and valuables at the insured premises if the homeowner is away
  • Valuable articles cover for silverware, jewelry, art, antiques and costly electronic gadgets, computers are covered

Workers Insurance

Employers are legally obligated to take reasonable care to assure that their workplaces are safe. Nevertheless, accidents happen. When they do, workers compensation insurance provides coverage.
Workers compensation insurance serves two purposes: It assures that injured workers get medical care and compensation for a portion of the income they lose while they are unable to return to work and it usually protects employers from lawsuits by workers injured while working.

Workers receive benefits regardless of who was at fault in the accident. If a worker is killed while working, workers comp (as it is often abbreviated) provides death benefits for the worker’s dependents.

What Injuries Are Covered?

Injuries employees sustain on the workplace premises or anywhere else while the employee is acting in the “course and scope” of employment are covered if their employer has workers comp insurance. For example, the leading cause of workers comp death claims is traffic accidents that occur when the employee is in a vehicle for work purposes, whether the trip is made in the company’s car or the employee’s own vehicle. Accidents driving to and from work are not covered.

In addition to injuries from accidents, workers comp covers injuries employees may sustain from other events that may occur while they are working, including workplace violence, terrorist attacks and natural disasters.

Workers comp insurance also covers certain illnesses and occupational diseases (defined in the state statutes) contracted as a result of employment. For example, employees who work with toxic chemicals can be made ill by exposure to the chemicals.

Jewellery Insurance

Precious Jewellery needs to be protected both for monetary and emotional purposes. The most common and traditional way to safeguard precious jewellery are bank lockers. Jewellery insurance is another way to protect your jewellery. Although you can avail this type of insurance along with a home insurance policy, there are some standalone jewellery insurance products in the market as well. If taking a home insurance policy, you can choose to go for a contents cover that includes valuables and jewellery protection.

Benefits of Jewellery Insurance:

Having a lot of jewellery locked up at home is not really a safe option anymore. It is very important to shield the jewellery you own as it has many benefits:

  • Jewellery comes to rescue when you are faced with a misfortune and are in sudden dire need of funds.
  • Having an insurance on the jewellery saves you from the trouble of opening a locker with the bank.
  • Bank lockers are not fully safe and there is always a certain amount of risk associated with it.

Jewellery Insurance Covers:

Jeweller Insurance covers theft of jewellery, accidental loss, burglary or damage to jewellery kept in some fixed bank lockers. Some insurance policies offer protection to jewellery worn in person as well. Typically, there is a sub-limit on the jewellery to be insured. However, some policies provide a separate all-risk cover for valuables and jewellery where you can choose a suitable sum assured.