General Insurance
General Insurance in Pune Health, Motor, Property & Business Cover
General Insurance
General insurance protects your assets, health and business from unexpected financial losses. At Divyam360, we help individuals and businesses find the right health insurance Pune plans, motor insurance renewal Pune services, and comprehensive property cover all under one roof.
Our advisors compare plans across leading insurers to ensure you get the best coverage at the right premium with full support at claim time. From family floater health insurance Pune to group mediclaim policy Pune, fire insurance for business Pune, workmen compensation policy Pune, and contractor all risk policy India, we cover every risk your family or business faces.
Motor Insurance
Motor insurance is mandatory for all vehicles in India. We help you choose between third-party and comprehensive cover, and ensure your claim process is smooth and hassle-free.
- Mandatory third-party liability cover for all vehicles
- Comprehensive cover for own damage, theft and natural calamities
- Zero depreciation add-on for full claim value
- Cashless repairs at network garages across India
- Quick renewal and instant policy issuance
Health / Medical Reimbursement Cover
A health insurance policy covers hospitalisation expenses, day-care procedures and pre/post-hospitalisation costs. We help you choose individual, family floater or top-up plans based on your needs.
- Cashless hospitalisation at 10,000+ network hospitals
- Coverage for pre and post-hospitalisation expenses
- Day-care procedures and domiciliary treatment covered
- No-claim bonus for claim-free years
- Tax benefit under Section 80D
Group Mediclaim Policies
Group mediclaim policies provide health cover to employees and their families under a single corporate policy. We help businesses design cost-effective group health plans that attract and retain talent.
- Single policy covering all employees and dependents
- Lower premium per person compared to individual policies
- Customisable sum insured and add-on benefits
- Maternity, dental and OPD cover options available
- Simplified enrolment and claims management
Property / Fire and Allied Insurance
Property insurance protects your home, office or factory from fire, flood, earthquake and allied perils. It covers the structure, contents and loss of profit due to business interruption.
- Coverage for fire, lightning, explosion and allied perils
- Flood, earthquake and storm damage included
- Contents and stock coverage for businesses
- Business interruption cover for loss of income
- Reinstatement value basis for full replacement cost
WC (Workmen's Compensation) Policies
Workmen's Compensation insurance protects employers from legal liability arising from employee injuries or occupational diseases at the workplace. It is mandatory for certain industries under the Employees' Compensation Act.
- Covers medical expenses and compensation for workplace injuries
- Death and permanent disability benefits for employees
- Protects employer from legal liability under EC Act
- Covers temporary and permanent partial disability
- Suitable for construction, manufacturing and logistics businesses
CAR (Contractors All Risk) Policies
CAR insurance covers construction projects against material damage and third-party liability during the construction period. It is essential for contractors, builders and project owners.
- Covers damage to works under construction
- Third-party bodily injury and property damage liability
- Covers plant, machinery and equipment on site
- Protects against fire, flood, theft and accidental damage
- Suitable for civil, mechanical and electrical projects
Marine Insurance
Marine insurance covers goods in transit by sea, air, road or rail against loss or damage. It is essential for importers, exporters and logistics companies to protect their cargo.
- Coverage for goods in transit by all modes of transport
- Institute Cargo Clauses A, B and C options
- Open cover policy for regular shippers
- War and strike risks cover available
- Prompt survey and claim settlement support
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Is motor insurance mandatory in India?
Yes, at minimum third-party liability insurance is mandatory for all vehicles under the Motor Vehicles Act. Comprehensive cover is optional but strongly recommended.
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Can I get health insurance for my entire family under one policy?
Yes, a family floater plan covers all family members under a single sum insured, which is usually more cost-effective than individual policies.
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What does a CAR policy cover?
A Contractors All Risk policy covers physical loss or damage to the contract works, construction plant and equipment, and third-party liability during the construction period.
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What is zero depreciation cover in motor insurance?
Zero depreciation (also called nil depreciation) is an add-on cover that ensures you receive the full claim amount without any deduction for depreciation on replaced parts. It is highly recommended for new vehicles and cars up to 5 years old.
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What is the difference between individual and group mediclaim?
An individual health policy covers one person with a dedicated sum insured. A group mediclaim policy is taken by an employer or organisation to cover all employees under a single policy at a lower per-person premium. Group policies often have no waiting period for pre-existing conditions.
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How do I file a general insurance claim?
Notify your insurer or advisor immediately after the incident. For motor claims, file an FIR if required and get a surveyor appointed. For health claims, use the cashless facility at a network hospital or submit reimbursement documents within 30 days. Divyam360 provides end-to-end claim support to ensure a smooth settlement.
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Is property insurance mandatory for home loan borrowers?
Most banks require home loan borrowers to have a fire and allied perils insurance policy for the property. While not legally mandatory, it protects both the borrower and the lender from financial loss due to fire, flood or natural disasters.
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What is marine cargo insurance and who needs it?
Marine cargo insurance covers goods in transit against loss or damage during transportation by sea, air, road or rail. It is essential for importers, exporters, traders and logistics companies. An open cover policy is ideal for businesses that ship goods regularly.
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Can I port my existing health insurance to a different insurer?
Yes, IRDAI allows portability of health insurance policies. You can switch to a different insurer at renewal without losing the waiting period credits you have already served. Apply for portability at least 45 days before your renewal date. Divyam360 can help you compare and port your policy seamlessly.
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Is Workmen's Compensation insurance mandatory for businesses?
Under the Employees' Compensation Act 1923, employers in certain industries � including construction, manufacturing, mining and transport � are legally required to compensate employees for work-related injuries or death. A WC policy covers this liability and protects the business from financial and legal risk.
