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About Insurance

image Insurance Insurance is a financial protection against loss or harm .The function of insurance is to safeguard against financial loss by having the loss of the few paid by contributions of the many that are exposed to the same risk.

    Types of Insurance

  • Life Insurance : It is a protection from financial loss suffered from individual insured death. It provides financial security to your family resulting from unforeseen events.
  • Health Insurance : It provides coverage against individual’s medical expenses. It can either be on cashless basis or reimbursement basis.The person can take health insurance on individual basis or floater basis (family plan).
  • Motor Insurance : It is a mandatory policy issued to all vehicles which covers losses arises to the owner’s as well as to the third party. As per Indian Motor Vehicles Act’1988, third party insurance is a must for every vehicles, without which you can’t drive your vehicles on the roads.

    Characteristics of Insurance

  • Pooling of losses
  • Payment of fortuitous losses
  • Risk transfer
  • Indemnification

    Benefits of Insurance to Society

  • Indemnification for loss
  • Less worry and fear
  • Source of investment funds
  • Loss prevention
  • Enhancement of credit

Health Insurance

Health insurance plans insure you against unexpected medical emergencies and keep your family’s finances stable during such a testing time. Keeping in mind the rising medical costs and spurt of diseases buying a health insurance is mandatory. A medical emergency can knock anyone’s door and impact a person both emotionally and financially. As a result, financial advisors suggest that it is prudent to buy health insurance plan and health care policy early in life.

Life Insurance

Life insurance is a contract between an insurer and a policyholder in which the insurer guarantees payment of a death benefit to named beneficiaries upon the death of the insured. The insurance company promises a death benefit in consideration of the payment of premium by the insured.

Long Term Insurance

Protect it with SBI General's Long Term Home Insurance Policy. You spend your lifetime in dreaming about a home of your own. You take the help of financial institutions to fulfil your dream. Along with the pleasure of fulfilling your dream come the liability and the responsibility of paying for the same over the next few years. At SBI General, we make things easy for you to protect your dream home.

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