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plans with ₹1 Lakh cover at ₹55/month*
Unauthorized Online Transactions
Individual or Family cover
Email Spoofing
Identity Theft
Cyber Stalking
Legal Expenses
Cyber Extortion
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What is cyber-crime insurance?
Ever since the imposition of lockdown, the meaning of the internet has changed for all of us. The early morning board room meetings turned into chai-sipping zoom sessions. The yoga classes were replaced by time screens on a daily messaging app and restaurants are now confined to cloud kitchen food ordering applications. Our online footprint is growing at an exponential pace, making us more vulnerable to cyber-attacks, identity theft, card frauds, phishing scams, email spoofing, cyber-stalking and virus infection. If you have a life-insurance cover, it is imperative that you have a cover for a medium where you spend your life. Cyber-crime insurance offers just that solution, to modern day professionals who are always online. Insurance against cyber-crime offers a shield and a safety net to various dangers lurking online.
Benefits of a cyber-crime insurance
  • 1. Protection in case of Data Breach There are various recuperative costs associated with a data breach. Including but not limited to resetting a security infrastructure, adding additional layers of security/encryption, protection from legal action upon leakage from sensitive data, protecting the identities of the persons adversely affected by the breach and protecting their sensitive data from being misused. (Identity theft, damage to E-reputation, Cyber-bullying)
  • 2. Business Loss Considering the dependency on the internet for any business these days, a cyber-attack in any form is detrimental and can bring the business infrastructure down. This insurance will protect you against such an exigency and will remedy the business loss suffered due to such a scenario(E-extortion)
  • 3. Legal Cost The legal procedures of prosecuting criminal cases can be tedious and financially draining, however once you are covered by this insurance, you can rest assured that all your legal costs will be covered, and you will get the best possible legal support and remedy.

    Thus, it is explicitly clear that cyber fraud insurance is an essential part of an insurance portfolio of everyone today. It is as important as more generic kinds of insurance.

    There are various additional options that one can opt for adding their family members, counselling services, IT consultation services within the coverage umbrella for insurance against cyber-crime. These additional protections and features are available at a reasonable amount as an extension to the main insurance policy.
  • 4. Defending against phishing & cyber extortion Modern hackers aim to attack business infrastructure by installing ransomware in them and taking them over. They do not relieve the infrastructure and data without payment of ransom fees, much akin to kidnapping and trespass in real life (Unauthorized online transactions, Phishing, email spoofing)
Who needs cyber-crime insurance?
Today, everything from the purchases you make from a vegetable vendor to negotiating multimillion dollar deals, is online. The advent of payment applications and digitisation of work culture has facilitated the shift from offline to online in all aspects. We make digital payments for our purchases, get wire transfers of our salaries, buy insurance online while scrolling social media. The Internet has taken over the life of everyone, a common man, a salaried man, and a businessman. Thus, it is pertinent that everyone takes insurance protection that will protect their online activities. Various industries have moved fully online, others are in the process of digitising their operations. When it comes to cyber-crime insurance policies, employees from various business and industry verticals buy the cyber-crime insurance policy, and these include are not not limited to
Power & Energy
Government agencies
Cloud kitchens
Education services
Financial services
Travel and tourism
Why Elephant insurance? is India’s first insurtech and consultancy platform for corporate employees. It is a modern-day insurance start-up, which takes away the cumbersome procedures of documentation and rounds to the insurance offices. All the procedures are online and seamless. Elephant insurance offers the best coverage plans at competitive rates compared to its industry peers. When you buy a policy from us, we provide a guarantee of clearing your claims within a stipulated time frame. So leave your insurance worries to us, while you surf the internet knowing that we have your back.
What Cyber Insurance plan does not cover:
  • Any illegal or malicious activity and any expected gain thereof
  • Loss of value, accessibility of cryptocurrency
  • Bodily or property damage
  • Infringement of IPR
  • Any dishonest or immoral conduct
  • War or terrorism
  • Losses or costs incurred before the policy was bought
  • Consequences of change in National cyber policy
  • Any act of God or Force Majure
Help Section/FAQ:

Just like the internet opens up various avenues and possibilities, it also makes the user vulnerable to various cyber-attacks. Users can be attacked in various ways, including but not limited to:
  • Identity theft
  • Social media impersonation
  • Cyber stalking
  • IT theft
  • Malware
  • Ransomware
  • Phishing
  • Email Spoofing
  • Cyber extortion
  • Data Privacy Breach
  • Media Liability
  • Hacking
These are not an exhaustive list of threats prevalent in the cyber domain currently. There are various other threats that an internet user can be a victim of.

Plans vary in nature and value. There are 2 kinds of plans so far as nature is concerned, first party and third-party having differential coverage. The most glaring difference between both these kinds is with the party who will be filing the claim. Whereas, in a first-party claim, the policy holder is the claimant whereas in third-party claims, the primary claimant ought to be a third party. Whereas there are plans differing from the amount of sum assured varying from Rs. 1 Lakh to Rs. 1 Cr.

Every Indian Citizen, above the age of 18 can purchase a cover, it is easier for you to be protected from cyber threats than to obtain a driving licence.

We are the cool obedient kids on the block, we process claims well within the IRDAI guidelines. So, you have nothing to worry about.

As mentioned hereinabove, cyber-attacks come in various shapes and sizes, an anti-virus essentially works like a vaccine for your computer, despite installing it on the computer you are not 100 % secure from Virus, leave aside various other forms of attack. On the other hand, Cyber fraud insurance provides a comprehensive coverage and monetary remedy for these various attacks.
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    Published on: 04th Jul 2024
    What is Restoration Benefit in Health Insurance?

    As healthcare expenses continue to increase in India, individuals must have sufficient healthcare coverage to ensure that they are financially protected at times of a medical crisis. Normally, basic health insurance covers hospital stays but may not fully cover expensive treatments for severe medical illnesses. This is the moment when restoration benefits come in handy – they can significantly boost your coverage and provide crucial financial protection in case of a major medical emergency.

    This article explores the specifics of the advantages of restoration in Indian health insurance schemes, assisting you in making informed decisions while choosing your best health insurance plan.

    The Challenge of Exhausted Sum Insured

    In certain situations, you can face exhaustion of the sum insured. The situations are as follows:

    Severe Health Problems:

    Certain extreme health conditions demand extended stays at the hospital which in turn is costly (diseases like cancer, heart problems, etc.). The original sum assured might not cover all the costs associated with the therapy.

    Rising Medical Costs:

    The issue of medical inflation is always a worry. Nowadays, the prices of health procedures and visits to the hospital are getting costlier. The sum insured under the insurance coverage you have opted for may not be enough to cover the pricey cost of treatments that you might need in the future.

    Multiple Hospitalisations:

    If you are in a situation where you have multiple health problems at once or are frequently paying a visit to the hospital, the actual sum insured amount will be inadequate and can drain quickly.


    What is Restoration Benefit in Health Insurance?

    The restoration benefit provides a fresh sum insured in specific circumstances, overcoming the drawbacks of conventional health insurance plans. Here is an explanation of its functioning:

    An Add-on Feature:

    Typically, restoration benefit is provided as an additional rider that can be bought in conjunction with your primary health insurance coverage. It is not a common inclusion in every policy.

    Renewal of Sum Insured:

    When you use up the original coverage amount because of a hospital stay, the restoration benefit serves as a safety cushion. It basically refreshes your coverage amount, providing you with extra financial protection for additional treatment in the current policy period.


    Types of Health Insurance Restoration Benefits

    Health insurance companies in India provide two primary categories of restoration benefits:

    Partial Restoration:

    This form of restoration coverage provides a partial refill of the original coverage amount, usually between 25% and 50%. For instance, if you use up the entire ₹10 lakh initial sum insured, a 50% restoration benefit will give you an extra ₹5 lakh for more medical expenses in the same policy year.

    Full Restoration:

    As implied by its name, a complete restoration benefit replenishes your total sum insured when it is depleted from hospitalisation. This offers a major financial cushion, particularly for severe illnesses needing extensive care.


    Advantages of Restoration Benefits in Health Insurance

    Now that you have knowledge of the concept and various types of restoration benefits, let’s delve into the primary benefits that this additional feature provides:

    Enhanced Financial Protection:

    The main advantage of restoration benefit is the extra financial protection it offers. If you run out of your original insurance coverage because of unexpected medical costs, the restoration benefit serves as a safety net, guaranteeing you have enough money for ongoing care in the current policy period.

    Eliminates financial stress:

    Having up-to-date protection against serious diseases or successive emergency hospital runs can extraordinarily reduce the mental pressure caused due to stress while confronting such challenges.

    Flexibility in Treatment Options:

    Lacking coverage for restoration, utilising all of your initial sum insured could restrict your choices for treatment. The increased amount of insurance coverage guarantees that you can receive optimal medical treatment without worrying about money, even if the expenses surpass the original limit.

    Protection Against Rising Medical Costs:

    Medical cost escalation is an undeniable fact. The restoration benefit aids in lessening the effects of increasing healthcare expenses. Although the current sum insured may appear sufficient, opting for a higher sum insured in the future can assist in covering rising treatment costs.

    Security for Family Floater Plans:

    Restoration benefits are especially valuable for family health insurance plans, such as family floater plans, as they provide coverage for several members through a single policy. If a family member depletes the coverage amount because of a serious illness, the restoration benefit guarantees ongoing financial protection for the rest of the family.



    In the current healthcare environment, with the continual increase of medical expenses and the rising worry of serious illnesses, having restoration benefits in your health insurance policy can be a beneficial inclusion. It gives a financial safety buffer, providing more coverage if you use up the original insured amount because of hospitalisation. You can decide whether to add restoration benefits to your health insurance policy by knowing both its advantages and restrictions. Keep in mind that placing importance on thorough health insurance that considers future needs safeguards you and your family’s financial well-being during unforeseen medical crises.

    Please feel free to reach out to our specialists for any further questions either by emailing us at or giving us a call at our hotline, 1800 266 9693! For the most competitive health insurance rates, check out!

    *Terms and conditions apply. The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. You are recommended to obtain specific professional advice from before you take any/refrain from any action. Tax benefits are subject to changes in tax laws. Please contact your tax consultant for an exact calculation of your tax liabilities.| EL/BLOGS/24-25/09

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    Published on: 26th Jun 2024
    Things to consider while buying health insurance plans

    When we say India is on a growth trajectory, it also includes the growing cost of health. The days of manageable medical bills are left in the past- with premium healthcare facilities raising the prices. Even a minor hospitalisation procedure can cause a substantial expense, leaving families financially vulnerable. Hence, healthcare insurance has shifted from the position of being a luxury into a necessity for all. Yet, with the sheer number of health insurance available, it is common to get lost in the complexities. We are here to demystify the technicalities and help you select the insurance that fits your requirements best.

    Understanding Your Needs

    Before embarking on your plan selection journey, understand the importance of health insurance:

    • Health insurance acts as a buffer, saving you from reaching debt in a medical emergency.
    • The shift from worrying about treatment finances to getting the right treatment keeps you at peace.
    • Cashless hospitalisation that does not require cash is becoming increasingly common, eliminating the need to pay medical bills upfront.
    • A wide range of medical expenses, such as hospitalisation, surgery, doctor visits, diagnostic tests, and medications, are covered by health insurance plans.
    • When someone is diagnosed with a serious illness, health insurance helps them manage the costs of treatment and other expenses.
    • Family floater plans allow you to cover your entire family under a single plan, protecting them against medical emergencies.
    • Through lifetime renewability, many health insurance policies guarantee long-term coverage as you keep ageing.

    Now that we have decoded the importance, let’s proceed to the need. It is imperative to understand your unique healthcare needs. Consider these:

    • Age plays a role in premium costs and pre-existing conditions may have waiting periods before coverage applies.
    • Take into consideration whether you need the health insurance plan just for yourself or for the entire family under a family floater plan.
    • Consider your activity level. Does your plan need to take into consideration potential health risks associated with your lifestyle, such as adventure sports or a physically demanding job?
    • Do you have a preferred hospital network, or are you flexible in your choices? Knowing this will help you choose a plan with a wide network in your preferred location.

    Also Read:
    10 Easy Steps To Find The Best Health Insurance Policy In India

    Identifying Right Health Insurance Options

    In the current day, you have different options with regards to picking your medical services plans. There are numerous health insurance plans available to meet your specific requirements:

    • Individual Medical Insurance Policies:

    These plans only cover medical expenses for the insured individual for whom the insurance policy is acquired.

    • Floater Family Policies:

    These plans cover your spouse, dependent parents and children under one sum insured amount and are hence cost-effective.

    • Health Insurance for Senior Citizens:

    Senior citizen health insurance schemes aim at the specific healthcare requirements of old people and may sometimes cover pre-existing conditions after the waiting period is over.

    • Critical Illness Policy:

    This policy provides a lump sum that can be used for treatment costs in the event of a diagnosis of an illness like cancer or heart disease.

    • Top-up Policies:

    These policies are intended to be added to an existing health insurance policy to expand coverage beyond the initial sum assured.

    Choosing a Health Insurance Plan: Things to Consider

    Since by now you have a background on the various options of plans, let us dive into the essential aspects that will shape your judgment:

    • Sum Insured:

    This assesses the amount of money the insurance company will pay for medical expenses. Assess your possible health needs carefully and select an insured sum that offers adequate coverage. Keep in mind that higher sums insured result in higher premiums.

    • Network Hospitals:

    Go for a plan with reputable hospitals, especially within your town or where you stay mostly. With this arrangement, you are guaranteed admittance to quality healthcare facilities, as well as cashless hospitalisation where the insurer directly deals with the hospitals within the network, saving you from making upfront payments at confirmation time.

    • Waiting Periods:

    Health insurance policies usually have specific illnesses or pre-existing conditions that may have a waiting period before they can be covered. For previous illnesses, it is better to choose plans that have shorter waiting periods.

    • Claim Settlement Ratio (CSR):

    This displays the percentage of claims settled. A higher CSR (preferably above 80%) means higher chances of claim approvals. Choose an insurer whose claim settlement process is transparent and efficient.

    • Policy Renewals:

    Make sure the policy has lifetime renewability, offering coverage renewability and guaranteeing coverage even as you age, provided premiums are paid on time.

    • Co-made Non-refundable Benefits:

    Some plans include copays (the policyholder pays a fraction of the claim) or deductibles (a fixed amount subtracted from the total claim before the insurance covers it). Ensure you are conversant with these clauses to avoid any surprises when finally settling claims.

    Also Read: Understanding Tax Benefits: How Health Insurance Impacts Your Taxes

    Additional Tips for Choosing a Health Insurance Plan in 2024

    Here are a couple of things that you could keep in mind to aid you further-

    • Harness the Power of Technology: The plans provided by the various insurance providers can be compared online using the insurance aggregators to establish the most appropriate insurance plan to go for.
    • Read the Fine Print: Before going for a final call, make sure to scan through the policy document mentioning its inclusion, exclusion, and the mode of its claim.
    • Seek Professional Guidance: Unless otherwise, speaking with a registered insurance agent or a financial advisor may help in making appropriate decisions.


    It is for this reason that choosing the correct type and plan of health insurance is one of the best decisions that one can secure in the event of unforeseen circumstances. Therefore, to choose the right plan from the given options, find out your needs, know how the plans are different, and be aware of the factors mentioned above to make an informed choice.

    Kindly contact our specialists with additional inquiries by sending us a message at or calling us at our number, 1800 266 9693! To find the best medical coverage rates, visit!

    *Terms and conditions apply. The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. You are recommended to obtain specific professional advice from before you take any/refrain from any action. Tax benefits are subject to changes in tax laws. Please contact your tax consultant for an exact calculation of your tax liabilities.| EL/BLOGS/24-25/08

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    Published on: 22nd Jun 2024
    How to Buy Car Insurance in Delhi?

    Living in Delhi is blissful, yet the vibrant city comes with its transportation issues, requiring you to purchase your car. Now, whether you are new at car purchasing or an owner of multiple vehicles, choosing your vehicle can be an exhilarating feeling with one tiny confusion- car insurance. Navigating through the various ups and downs of understanding and selecting car insurance, can be fascinating yet taxing- one sharp turn can cause you to lose your money, time, and peace. Take this as a guidebook towards understanding your car insurance journey.

    Importance of Car Insurance

    The freedom of owning one’s car comes with its set of responsibilities, where you need assistance. Car Insurance serves that purpose through:

    • Mandatory Protection: Indian law mandates having at least third-party liability (TP) insurance for all vehicles for financial protection in the case of accidents, injury, or property damage of the third party. Without it, you could be held liable for hefty compensation costs.
    • Peace of Mind: Life is unpredictable, with curveballs in the form of accidents, theft, and natural disasters. Comprehensive car insurance is a safety net, maintaining your peace of mind by covering a wider range of situations beyond TP.
    • Financial Security: Car repairs are an expensive occurrence, and having comprehensive insurance can lessen the dent in your pocket while maintaining the quality of service provided.
    • Customisable Coverage: Car insurance doesn’t follow ancient principles, in the modern era. Your car insurance add-on covers can include engine protection, zero depreciation (protects against depreciation value on your car), and roadside assistance, ensuring you’re prepared for various scenarios.
    • Faster Repairs: Did you know? Many insurance companies have a network of cashless garages in Delhi. This provides you the liberty of getting your car repaired without upfront payments, simplifying the process and minimising downtime.

    Understanding the Pillars of Car Insurance in India

    Car insurance sounds simple, right? While in the broader spectrum, it is, what you need to keep in mind are the variances in car insurance, keeping the Indian law and legislation at the front:

    • Third-Party Liability (TP) Insurance: This is mandatory coverage, shielding you from major financial losses occurring due to injuries or damage caused to a third party’s vehicle, or property. Unfortunately, it doesn’t provide any protection from damages occurring to your car.
    • Comprehensive Car Insurance: This powerhouse policy goes beyond the basics of TP insurance. It typically includes:
      • Own Damage Cover: This protects your car from accidents, theft, fire, natural disasters, riots, and vandalism.
      • Personal Accident Cover: This can be an addition to your car insurance plan, providing financial assistance in case you or your co-passengers sustain minor or major injuries during an accident.
      • Add-on Covers: These can be added to your existing car insurance to enhance it. You can opt for engine protection cover, zero depreciation cover, and roadside assistance.

    The beauty of India-based car insurance is that you can tailor your plan to suit your requirements, evolving from vehicle to vehicle.

    The Price Tag of Protection: Factors Affecting Your Car Insurance Premium

    Everything depends upon circumstances as well as variables that play an important role in determining the outcome. The premium you pay for your car insurance policy is influenced by these key factors:

    Your Car:

    Your insurance is an extension of your car and naturally, its Insured Declared Value, Age, and Engine Capacity form major deciding points. A higher IDV can help you get a higher premium, while larger engines can lead to a steeper premium. Additionally, with age, your car’s value decreases, impacting the premium amount

    Your Driving Record:

    How you drive is a mark of your car’s upkeep and propensity to mitigate situations like accidents and threats. Your skill set can save or cost you- divers with a clean record and a history of safe driving are often eligible for attractive discounts.

    Your Location:

    In certain areas of Delhi, traffic congestion and theft are common occurrences. Due to this factor, insurance companies may increase rates slightly for auto insurance in those regions. It’s similar to typical insurance where the cost increases slightly as the risk increases.

    Discovering a reliable insurance companion in Delhi

    The market is teeming with options for car insurance. Selecting the right insurance that all fits your requirements can be an uphill climb. However, do not be concerned, as the following tips will serve as a starting point:

    • Seek a company with a reputable name and sound financial standing for handling claims effectively and fairly. You need someone reliable to support you during your most crucial moments.
    • Many garages in Delhi now offer cashless payment options, providing increased convenience for customers. No need for upfront payments and faster repairs equals a double victory!
    • Supportive and attentive customer service is crucial. When you have an inquiry or require assistance, you seek a company that is easily accessible and efficient in resolving issues.
    • Think about companies that have easy-to-use websites and mobile apps. These can simplify the process of managing your policy and submitting claims. End the hassle of dealing with paperwork!

    Two Options for Coverage: Agent or Internet

    Two primary methods to obtain car insurance in Delhi are available.

    • Agent at Your Service: Insurance agents are available to clarify various policy choices, review quotes from different companies, and assist with completing the application. This individualised gesture can be particularly beneficial for individuals who are purchasing a car for the first time.
    • Self-service on the Internet: Many insurance providers offer convenient online platforms where customers can compare car insurance quotes, tailor their policies, and make purchases without the need for a middleman. This choice is convenient, frequently quicker, and allows you to navigate through.

    Purchase of Insurance: Documents you need

    Ready to buy your car insurance? Keep these handy:

    • Use Registration Certification
    • Previous Year Policy Copy
    • Pan card and Aadhar card for CKYC verification

    Choosing wisely: Paying attention to the details.

    Post receiving quotes from various companies, make sure to carefully compare them before making a decision. Here are some things to consider:

    • What’s included
    • What is not included
    • Settlement ratio of claims
    • Customer feedback

    Conclusion: Confidence on the Road

    Remember, the car insurance you choose is an investment that protects your car, your finances, and your peace of mind. So, choose your policy wisely and drive safely!

    If you have any further questions, please call at 1800 266 9693 or email us at to speak to our experts! Go to to obtain the best car insurance!

    *Terms and conditions apply. The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. You are recommended to obtain specific professional advice from before you take any/refrain from any action. Tax benefits are subject to changes in tax laws. Please contact your tax consultant for an exact calculation of your tax liabilities.| EL/BLOGS/24-25/07

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    Published on: 17th Jun 2024
    Purchasing Car Insurance in Mumbai: Comprehensive Guide

    Love the hustle and bustle of Mumbai? But what about its traffic? As a car owner, it is clear that navigating the city’s traffic or challenges related to it is no small feat. Accidents and unforeseen circumstances may lead to expensive repairs, medical bills, and legal fees. Purchasing car insurance is one way to mitigate all of this. The Motor Vehicle Act of 1988 mandates vehicle insurance for all motor vehicles in the country.

    Through this blog, we will help you get a better understanding of car insurance in Mumbai so that you can make an informed choice and drive down the buzzing roads of Mumbai in peace.

    Why Purchase a Car Insurance in Mumbai?

    Considering the current road circumstances and the high volume of traffic on the streets of Mumbai, it is crucial to have comprehensive car insurance coverage. The benefits are many:

    • It offers complete compensation if your car is stolen.
    • It shields your car from calamities such as floods and earthquakes.
    • Reparation is paid for losses caused by terrorists, vandals, and rioters.
    • It offers financial assistance where the owner or driver of the car meets with an accident and gets injured or killed.

    Things to Consider When Buying Car Insurance in Mumbai

    There are some factors you need to consider before purchasing car insurance. They are as follows:

    • Choose an insurer known for prompt settlement of claims.
    • Evaluate all available options under coverage. Check if there are extra features included in policies like roadside assistance, engine protection no depreciation element, etc.
    • Compare insurance prices from different companies to balance between cost and coverage.
    • Your requirements must be analyzed, then you should select additional covers for your policy accordingly. These additional covers add extra protection beyond what is already covered by your basic coverage.
    • Check if the insurer has a competitive NCB program or not. It is the discount on premiums given by the insurer to the policyholder who has had no claims throughout the insurance period.
    • Carefully read the policy terms and conditions to comprehend the conditions, exclusions, and restrictions and avoid surprises during claim settlement.

    Also Read: Useful Tips to Consider When Buying Insurance for Your New Car

    Steps to Purchase Car Insurance in Mumbai

    Buying auto insurance in Mumbai? Follow these steps:

    1. Research and Compare:

      Start an inquiry about different insurers and their policies.

    2. Choosing the Right Coverage:

      Select the most appropriate cover depending on your personal needs.

    3. Getting Quotes:

      Request for quotes from various insurers. Let them be armed with specific details and they shall determine a precise quote for you.

    4. Evaluating Add-Ons:

      Your requirements should be evaluated and included in your comprehensive insurance plan.

    5. Purchasing the Policy:

      When you have selected an ideal policy, there is an option of buying it online or offline. For avoidance of problems during claims processing, accurate data must be provided.

    6. Policy Documentation:

      The said policy documents will be received once the purchase has been made. It must be carefully reviewed and kept somewhere it will not be overlooked. It also helps to have a paper copy on hand for easy reference, for instance, while using the digital version.

    Common Mistakes to Avoid

    Being aware of and avoiding the following mistakes may make car insurance purchases in Mumbai easier:

    • Not obtaining proper insurance: To protect yourself against potential losses, ensure that you have the proper coverage, tailored to your specific requirements. Choosing a coverage plan that does not fit your needs to save money on premiums is not advisable.
    • Not Considering Policy Exclusions: Being aware of what isn’t covered is crucial since every insurance has specific exclusions. This helps in preventing your claim from being denied.
    • Avoiding Timely Renewal: Renewing your insurance may be a very important aspect that has to be done to avoid losing insurance coverage. Driving a car without appropriate insurance makes one prone to paying huge amounts of cash and or receiving fines.
    • Ignoring Add-Ons: Though add-ons can slightly contribute to the rise in insurance costs, they are significant to have additional safety. As with anything, their benefits have to be weighed for one to decide on whether to take help or not.
    • Not Utilising No Claim Bonus: With a clean driving record or no past claims, one should ensure they opt for the No Claim Bonus (NCB) to reduce the insurance premiums.

    Also Read: How to Lower Car Insurance Premiums


    Be mindful of the above factors when buying car insurance in Mumbai. Remember, obtaining comprehensive car coverage isn’t just vital but also a smart choice because of the city’s high traffic and high accident rate. By making an informed choice you can protect your car from unexpected disasters.

    Call 1800 266 9693 to learn more about the different types of car insurance we offer, or send an email to to speak to our experts! Additionally, you can go to to obtain the best car insurance!

    *Terms and conditions apply. The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. You are recommended to obtain specific professional advice from before you take any/refrain from any action. Tax benefits are subject to changes in tax laws. Please contact your tax consultant for an exact calculation of your tax liabilities.| EL/BLOGS/24-25/06

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    Published on: 29th May 2024
    10 Sneaky Reasons Your Health Insurance Claim May Not Get Approved

    In situations of unforeseen health-related crises, a health insurance policy comes in to save the day, promising financial help and facilitating the burden of healthcare costs. Notwithstanding, the claim settlement process isn’t direct all the time. Now and then, minor oversights or false impressions can prompt claim dismissal, leaving you feeling disheartened and financially unstable. In this blog, we will uncover 10 reasons why your medical coverage guarantee may get denied.

    Are you surfing the internet and searching for a health insurance policy customised to your necessities? Worry not! Visit and follow the 3 easy steps to get your policy instantly!

    1. Understanding Policy Exclusions

    Each health insurance policy has exclusions and conditions under which claims are not covered. These can go from prior conditions not disclosed during the beginning of the policy to specific treatments expressly excluded in the policy. Cautiously review your policy, comprehend the exclusions completely, and explain any questions to your insurer to avoid surprises during the claims procedure.

    1. Incomplete Documentation

    Organised documentation is key to having a seamless claims procedure. Ensure that you present all vital documents required under your policy. This normally incorporates clinical records, doctor prescriptions, diagnosis reports, and bills. Deficient or missing records can essentially defer or try and lead to claim dismissal, causing pointless pressure and financial strain.

    1. Pre-authorisation Problems

    Certain procedures require pre-approval from your insurer before availing them. The inability to acquire pre-approval, particularly for costly or specialised procedures, can lead to claim dismissal. Get to know your strategy’s pre-approval necessities and stick to them constantly to guarantee your claim sails through without a hitch.

    1. Not Renewing the Policy on Time

    The lapse of policy is one of the main reasons for the dismissal of a health insurance claim. Health insurance policies are generally valid for one year and should be restored yearly. If you neglected to renew the insurance on time and, in the meantime, fell sick during that period, your policy would be pointless, and your claims would be dismissed.

    1. Not Adhering to Claim Filing Timelines

    There isn’t a moment to spare while recording claims. Every health insurance plan specifies a particular period for submission of the claim, commonly ranging from 30 to 180 days from the date of discharge. Surpassing this period can prompt claim dismissal. Present your claim documents expeditiously to keep away from unnecessary delays and complexities.

    1. Failing to Disclose Pre-existing Conditions

    While acquiring a health insurance plan, complete transparency concerning prior conditions is important. Even unrelated illnesses can be grounds for rejecting claims if not disclosed earlier or if their severity is misrepresented. Tell the truth and be upfront about your clinical history to ensure your policy stays valid and claims are handled reasonably.

    1. Exceeding Coverage Boundaries

    A sum assured is the maximum amount a health insurance policy will pay for medical expenses. Ensure your treatment costs stay within the limit as far as possible. Surpassing the assured sum can bring about a partial claim settlement or even dismissal of the claim, leaving you responsible for the leftover expenses. So, be mindful of your coverage limits during your treatment and hospital stay.

    1. Overlooking Waiting Periods

    Numerous health insurance policies have waiting periods for specific treatment procedures or prior conditions. This implies you probably won’t be qualified for the inclusion of a particular condition until a period has passed after the start of the policy. Understanding and sticking to these waiting periods is critical to keep claim dismissal and ineligibility at bay.

    1. Updated Policy Terms and Conditions

    At times, insurers may adjust the insurance terms and conditions, for example, the coverage benefits and premiums. As a result, your claim may get denied if both your coverage and your policy have been altered.

    1. Fraudulent Claims

    Deliberately submitting bogus or fabricated data in your claim is fraud and can have serious outcomes. This includes fabricating medical records, exaggerating symptoms, and requesting reimbursement for non-covered expenses. Taking part in such unscrupulous practices puts your claim in danger and risks cancellation of the policy and possible legal repercussions.


    Understanding these reasons for claim rejection enables you to approach the process with informed vigilance, despite the complexity of the health insurance landscape. By cautiously evaluating your insurance terms, carefully setting up your claim documents, and sticking to pre-authorisation necessities, timelines, and inclusion limits, you can fundamentally expand your possibilities of claim approval and ensure seamless procedures during health-related crises. Keep in mind that being honest and open with your insurer and seeking professional guidance when required are tools for securing your well-being.

    To clear any further inquiries, contact our specialists by messaging us at Or call us on our help number: 1800 266 9693! Visit to get the best quotes!

    *Terms and conditions apply. The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. You are recommended to obtain specific professional advice from before you take any/refrain from any action. Tax benefits are subject to changes in tax laws. Please contact your tax consultant for an exact calculation of your tax liabilities.| EL/BLOGS/24-25/05

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    Published on: 28th May 2024
    Premium Reduction Tactics for Your Health Insurance Plan

    Premiums for healthcare coverage keep on increasing, all thanks to the rising medical services costs, which can cause financial distress. There are strategic ways of bringing down the premiums of your healthcare coverage plan, ensuring you get sufficient coverage without burning the last rupee.

    1. Get Insured at a Younger Age

    Time is your companion concerning health insurance premiums. Beginning a health insurance plan at an earlier age, preferably in your 20s or 30s, offers huge cost benefits. Young people commonly represent a lower hazard to insurance providers, which means they are offered lower premiums when compared to people who get themself insured at an older age. This early investment reaps financial rewards throughout your policy years, providing long-term savings and peace of mind.

    2. Assess Your Needs and Get Coverage Accordingly

    Not all health insurance plans are made equivalent. Fight the urge to just renew your current policy without exploring options. Conduct planned research and compare the various options by different insurers you come across and then make the decision accordingly. Break down your necessities and clinical history to recognise a policy that lines up with your current and expected medical necessities. Clarify some issues by asking questions and taking expert guidance to make sure that you are not shelling out excess money for coverage that is not necessary.

    3. Consider Preventive Healthcare

    Remember that prevention is better than a cure. In addition to the fact that it is great for your well-being to focus on preventive healthcare, it could get you a good deal on your health insurance plan, helping you save costs. Numerous insurers offer discounts to people who effectively take part in preventive healthcare, boosting a proactive way to deal with prosperity.

    4. Harness the Magic of No Claim Bonus: Rewarding Responsible Choices

    The No Claim Bonus (NCB) is an important reward offered by insurers for having a claim-free year. Your health insurance plan’s premiums drop in recognition of your responsible health management with each claim-free year. This incentive empowers preventive care and mindful claim filing, bringing down your financial burden in the long run. Keep in mind that even minor claims can reset your NCB to zero, so ask your doctor for concerns and think about alternative cures for non-critical illnesses.

    5. Explore Cost-Sharing Options

    To bring down the expense of your health care coverage plan, consider cost-sharing options like deductibles and co-pays. A deductible anticipates that you should pay a sum before the insurer starts taking care of expenses. Similarly, a co-pay includes sharing a part of the claim amount with the insurer. While these choices raise personal costs at first, they fundamentally diminish your premium, making health insurance more affordable. Cautiously assess your financial situation before deciding on these choices.

    6. Consider Family Floater Plans

    If you have a family, explore family floater plans. These plans cover the entire family under a single sum assured, often at a lower premium compared to individual plans, especially for younger family members. This option promotes cost-effectiveness and simplifies the procedures of claims, guaranteeing all the members of the family receive complete coverage under one umbrella. Nonetheless, remember that the total sum assured is shared by the whole family so pick a policy with adequate coverage based on your family’s expected necessities.

    7. Stay Informed

    The universe of health insurance is continually advancing. Keep up with updates from your insurer, new plan offerings, and regulatory changes. Routinely survey your health insurance plan and its terms. To ensure you are aware of your coverage and can make informed decisions regarding plan modifications or renewals, don’t be afraid to seek clarification from your insurer or consult an insurance advisor.

    8. Purchase Health Insurance for a Longer Tenure

    By and large, the renewal time of most health insurance plans is done yearly, except there are some insurance plans accessible with policy terms of 2 or 3 years. Picking a health insurance plan with a longer tenure empowers the insured party with discounts and benefits on the premium of around 5% to 15%, which can be a significant saving. It is prudent to pick plans with extended policy terms to acquire higher yields in the long haul.

    9. Choose a Higher Deductible Option in the Insurance Plan

    The deductible is what one pays toward the start of the health insurance coverage. The insurance premium goes down when the deductible is raised. It is, however, important to select a higher deductible cautiously since it would mean raised well-being-related costs that one would have to bear without help.


    A reduction in your health insurance premiums doesn’t need to be an overwhelming task. By utilising the above techniques and focusing on an informed independent direction, you can explore the intricate world of health insurance with certainty. Keep in mind that a very organised and cost-effective health coverage plan is an investment in your prosperity, giving important security and genuine serenity for yourself and your friends and family.

    Still looking for a health insurance plan that fits your requirements? No more searching because’s AI build platform helps you in every stage of selecting, buying and after purchase experience seamlessly.
    To clear any further doubts with our specialists, message us at or call us on our toll-free number: 1800 266 9693!

    *Terms and conditions apply. The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. You are recommended to obtain specific professional advice from before you take any/refrain from any action. Tax benefits are subject to changes in tax laws. Please contact your tax consultant for an exact calculation of your tax liabilities.| EL/BLOGS/24-25/04

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    Published on: 28th May 2024
    Renewing Your Health Insurance: Key Steps and Considerations

    As the year turns another page, so does the validity of numerous health insurance policies. For many people in India, recharging health insurance coverage carries a blend of vulnerabilities. While exploring the renewal process may be monotonous, understanding the vital steps and considerations can make your decisions more impactful. In this blog, we explain the steps you should take to make sure your health insurance keeps protecting you and your family.

    Are you looking for a perfect health insurance policy? In just three easy steps, you can get a health insurance policy that fits your needs at!

    1. Understanding Renewal Periods and Deadlines

    Missing your strategy restoration cutoff time can have unanticipated outcomes, leaving you weak even with startling health-related crises. It is essential to be aware of your policy’s renewal period, which is typically communicated via renewal notices or the website or mobile app of your insurer. To avoid policy lapses and potential waiting periods for pre-existing conditions, you must promptly renew your health insurance within the allotted time frame.

    1. Evaluating Your Needs

    Life is constantly evolving, as are your healthcare necessities. Take a moment to evaluate your current circumstances before renewing. Has your family’s situation changed? Have you fostered any new well-being concerns? Does your ongoing arrangement address your developing necessities? Being aware of your needs permits you to renew health coverage with a plan that aligns with your present and expected future prerequisites.

    1. Exploring Your Options

    Loyalty is commendable, but so is exploration! While renewing with your existing provider is convenient, don’t shy away from comparing alternative options. Research plans offered by other insurers, focusing on coverage scope, sum assured, network hospitals, claim settlement ratios, and premium costs. Remember, the ideal plan isn’t a one-size-fits-all solution – tailor it to your unique needs and budget.

    1. Decoding Terms and Conditions

    Renewing isn’t just about clicking a button. It’s about understanding the updated terms and conditions of your renewed policy. Carefully review changes in coverage inclusions and exclusions, premium adjustments, network hospital modifications, and claim settlement procedures. Feel free to clarify any doubts with your insurer or an independent insurance advisor to renew your health insurance with complete transparency.

    1. Check Your Claims History

    Your claim history holds valuable insights. If you haven’t recorded any claims during the past policy year, you may be qualified for a No Claim Bonus (NCB), prompting decreased premiums upon renewal. This reward for responsible health management incentivises preventive care and can significantly ease your financial burden. Conversely, a high claim history may lead to premium hikes or stricter policy terms. Utilise this information to adapt your healthcare approach and renew health insurance with informed decisions.

    1. Increase Assured Sum Under Policy

    As healthcare costs consistently increase and inflation decreases the purchasing power, looking into your health insurance policy is crucial. Try not to just renew- now is the right time to proactively upgrade protection. Make sure your coverage keeps up with your changing needs and is sufficient to cover your anticipated expenses. Keep in mind that sufficient health care coverage is an interest in your prosperity, offering peace and financial security while confronting unexpected medical circumstances.

    1. Consider Getting A Top Up Plan

    Proactive planning is key when renewing your health insurance. Take into consideration the anticipated requirements you will have for healthcare in the upcoming years. Are intending to begin a family? A top-up rider with maternity benefits can cover everything you need for this exciting but expensive time. Does your family history suggest a predisposition to certain critical illnesses? Adding critical illness cover offers true serenity and monetary security in testing times. If you’re hoping to extend protection to your whole family, consider a family floater plan, which streamlines coverage for the entire family under one umbrella, possibly offering cost savings when compared to individual plans.


    Renewing health insurance is a proactive step towards protecting your prosperity. By understanding the process of renewal, taking into account your increasing necessities, exploring choices, interpreting policy updates, and recognising your claim history, you can explore this vital stage with certainty. Keep in mind that a health insurance policy renewal implies renewed protection, giving you the power to confront the future with peace, knowing that your health is prioritised and safeguarded.

    Visit to find the most reasonable health insurance quotes! Send us an email at or call our toll-free support number at 1800 266 9693 to get in touch with our professionals!

    *Terms and conditions apply. The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. You are recommended to obtain specific professional advice from before you take any/refrain from any action. Tax benefits are subject to changes in tax laws. Please contact your tax consultant for an exact calculation of your tax liabilities.| EL/BLOGS/24-25/03

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    Published on: 24th Apr 2024
    Difference Between Comprehensive And Bumper to Bumper Car Insurance

    Choosing a car insurance that is perfectly fit to your needs can be a difficult task for many as there are so many options in the market. Comprehensive car insurance and bumper-to-bumper car insurance are the two most popular insurance policies in India. In this blog post, we will explore the key differences between the two insurance policies so that you make an informed decision while you are out in the market purchasing insurance.

    What is a Comprehensive Car Insurance?

    Comprehensive insurance can be considered as a huge shield that covers various aspects. It goes beyond the basic protection and offers protection against:

    • Accidents: Met with an accident? This type of insurance covers the cost of repairs you may need after an accident.
    • Theft: It repays you for the vehicle’s insured declared value () if it gets stolen.
    • Fire: All the damages that may be caused to your car due to a fire breakout will be covered under this insurance policy
    • Natural Disasters: It assists you by covering the cost of damages caused by disasters like floods and earthquakes.
    • Riots & Strikes: Damages caused to your car due to these activities are also covered under this insurance.

    In addition, you can tweak your insurance policy! Add-on covers are offered by many insurance providers:

    • Engine Protect: In case your engine breaks down, this cover helps in covering for the costs of repairs or replacements.
    • Return to Invoice: This cover reduces the gap between the vehicle’s current value and its on-road cost during claim settlement.
    • Personal Accident Cover (PAC): In case of an accident where either you or the passengers in your car need financial assistance to meet the costs of injuries/hospitalisation, this cover comes to the rescue.

    Here is the catch: When parts are replaced after a claim, depreciation (reduction in value due to age) is applied. This implies you might need to pay a portion of the repair and replacement costs from your hand. Also, your car insurance doesn’t cover the wear and tear of the car, electrical/mechanical breakdowns because of negligence, or

    Bumper-to-Bumper Insurance: An Upgraded Protection

    A supercharged version of comprehensive car insurance is called bumper-to-bumper car insurance. It offers every one of the advantages of comprehensive insurance, however with a significant advantage:

    • No Depreciation on Parts: You get the full cost of repairs or replacements for most car parts after an accident, no matter what their age. You will not have to shell out money from your pocket.
    • Enhanced Coverage: When compared to comprehensive car insurance, bumper-to-bumper car insurance provides broader coverage. This includes coverage for consumables like ointments and filters utilised during repairs.

    Sounds perfect, right? Well, almost. Here are some considerations:

    • Higher Premiums: Added security comes at a price. The insurance premiums for bumper-to-bumper car insurance are higher when compared to comprehensive car insurance.
    • Renewal Restrictions: Some insurance providers put limits on who can get bumper-to-bumper car insurance, particularly for older cars. Check the renewal terms prior to picking this option.


    Choosing Your Champion: Comprehensive vs. Bumper-to-Bumper

    Depending on your car’s age and your tolerance of risk, the best choice will differ. Let’s break it down:

    • New Cars (Up to 3 Years Old): Depreciation is negligible for new cars. An effective choice for such cars will be opting for comprehensive insurance with add-ons like engine protection and return to the invoice.
    • Pre-Owned Cars (3 to 5 Years Old): Depreciation is considered for these cars. Opting for comprehensive insurance with a zero depreciation add-on for parts like engines and headlights is advisable.
    • Older Cars (Above 5 Years Old): Depreciation of value can be critical for older cars. As the complete repair costs are covered under a bumper to bumper car insurance, it becomes a more alluring choice for car owners


    To maintain your peace of mind and to safeguard your prized possession: your car, it is important that you choose the perfect insurance protection that suits your needs. Once you comprehend the various coverage options and their requirements along with their differences, you can make a well-informed decision and choose the perfect insurance plan that is suited to your needs.

    *Terms and conditions apply. The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. You are recommended to obtain specific professional advice from before you take any/refrain from any action. Tax benefits are subject to changes in tax laws. Please contact your tax consultant for an exact calculation of your tax liabilities.| EL/BLOGS/24-25/02

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    Published on: 20th Apr 2024
    All You Need To Know About Bumper To Bumper Car Insurance

    When an extra cover of zero depreciation is purchased alongside comprehensive insurance, it is referred to as bumper-to-bumper car insurance. The cover ensures that the policyholder is repaid with no deductions that happen because of depreciation in case of an accident. This blog will explore the details of this protection so you are informed before settling on a protection plan that is good for your requirements.

    What is Bumper-to-Bumper Car Insurance?

    It gives complete financial protection to your car and is an appealing choice for car owners when compared with standard car insurance. A normal comprehensive policy considers depreciation during the process of claims which directly impacts your claim amount. While a bumper-to-bumper car insurance, the policyholder gets the full claim amount as it doesn’t consider depreciation.

    What is Covered Under a Bumper-to-Bumper Car Insurance?

    In bumper-to-bumper car insurance, protection for various parts of your car is given. It doesn’t take into account deductions due to depreciation and totally compensates for the damages caused. This means that if you meet with an accident, you will be compensated completely, with no deductions.

    The parts that are covered are as follows:

    Bumpers Damages caused to both the bumpers (Front and back)
    Exterior Tail lights and Head Lights Damaged or broken headlights and tail lights
    Side Mirrors Damaged or broken side mirrors
    Windshield & Windows Cracked or shattered windshields and windows
    Alloy Wheels Dented or scratched alloy wheels

    What are the Exclusions in Bumper-to-Bumper Car Insurance?

    Bumper-to-bumper car insurance gives total coverage but there are certain exclusions. They are as follows:

    Wear and Tear Gradual damage to parts due to regular use (e.g., faded paint)
    Mechanical Breakdown Engine failure or other mechanical issues not caused by an accident
    Engine Damage from Oil Leakage Damage to the engine due to a leak
    Accidents Due to Negligent Driving If the policyholder’s negligence during driving caused the damages
    Unapproved Modifications Damages to parts not approved by the car manufacturer
    Natural Disasters (Unless Specified) Floods, earthquakes, or other natural disasters (check your policy for details)

    How to Purchase a Bumper-to-Bumper Car Insurance?

    While buying or renewing a comprehensive insurance policy, bumper-to-bumper insurance can be purchased with it. To get zero depreciation coverage, you need to pick this add-on while customising your insurance plan.

    Tips to Purchase A Bumper-to-Bumper Car Insurance

    Car owners need to consider these things before buying bumper-to-bumper car insurance. They are as per the following:

    • Compare quotes given by various insurance providers to track down the best fit for your requirements.
    • Ensure the insurance provider you choose is trustworthy and has a decent claim settlement record.
    • Review the agreements of the insurance policy carefully to understand what is covered and what are the exclusions under the policy.

    Factors Affecting Premiums for Bumper-to-Bumper Car Insurance

    The premiums are affected by things like the IDV (Insured Declared Value) of your car, your driving record, your age, the make and model of your car, and your location. Your premiums can be brought down by:

    • Increasing your voluntary deductible
    • Maintaining a clean driving record
    • Installing anti-theft devices
    • Renewing your policy promptly
    • Avoiding frequent claims


    For Indian car owners, it is ideal to purchase bumper-to-bumper car insurance in the present day and age as the expenses of owning a car are rising. Alongside coverage, it additionally gives genuine peace of mind to the car owner. You can safeguard your car by choosing smartly assuming you understand what the policy covers, the premiums you need to pay, and its advantages. It stays the most ideal choice for safeguarding your car as it gives total coverage which ensures financial well-being.

    Want to get car insurance tailored to your needs? Reach out to us at or on our toll-free support number- 1800 266 9693, to talk to our experts! We will help you acquire a car insurance that is customised to your needs!

    *Terms and conditions apply. The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. You are recommended to obtain specific professional advice from before you take any/refrain from any action. Tax benefits are subject to changes in tax laws. Please contact your tax consultant for an exact calculation of your tax liabilities.| EL/BLOGS/24-25/01

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  • For Employees
    Elephant got my renewal at a price 5000 bucks lower than the renewal notice premium. These guys mean what they say when they say Killer Prices.
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  • For Employees
    Great support and service from Team Elephant. Always available and absolutely love how smoothly the whole process went by. Thanks for all support and help!
    Aishwarya Nair
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    Graphic Designer
  • For Employees
    I went through the website and I must say it was really a smooth and delightful experience. Laxmi is very interactive and your focus on minutest of details made it fun buying an insurance policy.
    Nikhil Shukla
    Nikhil Shukla
    Relationship Manager
  • For Employers
    The elephant has given a wide range of options at the best price to our employees under a single umbrella. A very unique business model and a bridge between retail insurance and corporate package.
    Kumar Gyanendra
    Kumar Gyanendra
    Human Resource(HR)
Alliance Insurance Brokers Pvt. Ltd.
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CIN: U67200MH2003PTC141621
IRDAI Registration No.: 217
Valid from : 13/10/2021 to 12/10/2024
Category : Composite Broker
Principal Officer Name: Mr. S. V. Thakkar
CIN: U67200MH2003PTC141621
IRDAI Registration No.: 217
Valid from : 13/10/2021 to 12/10/2024
Category : Composite Broker
Principal Officer Name: Mr. S. V. Thakkar
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