Buy cost-effective health insurance that protects your entire family. Health insurance is a must buy because health care costs are rapidly rising as is incidence of hospitalization. Buying this insurance early and selecting thoughtfully ensures that waiting periods get done fast and the insurance can remain with you lifelong.
Get pure risk life insurance that pays a large benefit if you die prematurely. Term is the most cost-effective way to buy life insurance. It can also be bought as a keyman insurance to cover your company’s key executives. In that case the premiums are paid by the company and the death benefit also goes to it.
Buy mandatory third party cover as well as carefully selected extensions. A well designed motor insurance will cover for the most likely accidents. For example, tyre bursts in expensive cars or engine seizures. Similarly it is possible to get zero depreciation covers that pay replacement cost of damaged parts.
Cost effective travel insurances that are accepted by visa authorities. Travel insurance that is customized for the countries that you visit and the duration of your travel. If selected carefully some insurances also cover emergency treatment due to pre-existing diseases upto certain limits.
Protect your home from damage and burglary. Home insurance pays repair costs if your house is damaged by fire, earthquake, storms, flooding and riots. Burglary and theft can also be covered. The costs paid by the insurer depend upon the kind of insurance you buy and the deductible. Choose carefully.
There can be a 50% difference between the highest and lowest priced individual insurance policies. Select carefully to get the best products. This is a long term decision so chose carefully.
The insurances are easy to buy and store. Keep a soft copy with you. Renewal processes are also streamlined as most insurers offer online renewal facilities.
Claim settlement is faster and more effective if you work with an intermediary. Insurers have a clearly specified claim process. The insurance regulator has clear guidelines that encourage insurers to pay claims in a timely manner. Grievance processes are also well laid out.
We have specialized underwriters who can give specific recommendations to you.
We work with all insurers to get you the best options- both in terms of price and features.
Proposal forms and medical tests are quickly turned around. We follow up with insurers to make sure the insurance is issued fast.
We manage all aspects of your claim - from preparing documentation to follow-up with the insurer.
We support you if you need to get medical tests done or would like access to our wellness programmes.
See all your insurances and renewal information in one place. Place service requests on PAM.