Personal accident insurance

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Protection against Income loss (TTD)
Accidental Death (of any nature)
Broken Bones and Burns
Permanent Total Disability (PTD)
Education and Tuition Fees cover
Permanenet Partial Disablity (PPD)
Legal and Funeral Expenses cover
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What Is Personal Accident Insurance?
Personal accident insurance as the name suggests is your financial safety net against unforeseen events leading to physical disability or death. This policy gives crucial support to beneficiaries. It covers hospitalization coverage, hospital confinement allowance, and medical cost coverage are also included under those plans.
There is a budgetary burden associated with out-of-pocket bills accrued as a consequence of an injury, such as co-pays and the deductible deficit, as well as non-medical expenditures such as additional babysitting or taxi service when you are unable to travel. Many companies believe in investing in personal accident insurance for employees working for them.
This is how a personal accident insurance policy benefits you:
  • 1. Your nominee will receives 100% of the sum insured in case of his dealth.
  • 2. In the event of Permanent Total Disablement, you will be paid the whole amount covered.
  • 3. In cases of fractured bones, wounds and partial disability a compensation of up to 10% is given.
  • 4. Provides daily cash to the patient when he or she is in the hospital for care as a kind of financial relief
  • 5. Ambulance bills accrued since the crash are often reimbursed according to the scheme
  • 6. There are no medical checks or paperwork required
  • 7. While some plans may can accommodate the whole family, others cover your spouse and kids for a 50% and 25% of the sum insured respectively
Types of Personal Accident Insurance Policy:
There are two types of two-wheeler insurance policies available in India:
  • Individual Personal Accident Insurance
    • This type of supplemental protection helps you in the event of bodily injury in the case of an actual policyholder’s accident. In certain cases, the insurer includes sudden death, leg or sight injury, among any lifelong injuries caused by an injury
    • The Individual Personal Accident Insurance policy is better for self-employed people, salaried people, and people who own a company. Certain insurers often have an academic bonus in their policies.
    • In the event of death or an application for permanent complete disability, the victim’s child is entitled to financial assistance for tuition at a government-approved educational institution.
  • Group Personal Insurance Policy
    • Employers also receive this personal accident protection to include compensation for their workers. These policies are excellent benefits for small businesses since they are inexpensive to procure
    • As opposed to individual accident insurance, group accident insurancepolicy offers less coverage. On the other hand, most insurers have full coverage in the event of the insured’s death, immediate partial disablement, or permanent total disablement as a result of injuries arising somewhere in the world
There are various types of personal accident insurance coverage(s):
  • 1. Accidental Death Coverage In case of a persons death, the accidental death coverage pays benefits
  • 2. Permanent Disability Coverage If an injury results in permanent impairment, the policyholder would be paid
  • 3. Permanent Partial Disability Coverage If the insured has a permanent partial disability due to the crash, the amount guaranteed would be paid out in full.
  • 4. Temporary Total Disability If the insured is involved if has him or her bed-ridden for an extended period, the policyholder would be paying a pre-determined sum.
  • 5. Dismemberment Certain personal liability insurance schemes cover dismemberment of some kind due to an injury, whether at work or on the road. A pre-determined amount of the Sum Insured would be charged to a personal injury insurance policyholder who damages arms, legs, toes, eyes, fingertips, and other body parts due to an accident.
  • 6. Burns Most personal injury insurance providers provide this optional additional benefit to protect policyholders from death owing to burns from chemicals, explosions, and other causes
  • 7. Age Personal injury insurance is available to those under the age of 65. Before purchasing personal injury insurance in India, it is recommended that you compare personal accident policies. Benefits and coverage can differ from one provider to the next, so it’s crucial to shop around for a personal injury policy
Help Section/FAQ:

Follow the easy steps: Share your details with Laxmi, she will suggest the best policy as per your requirement and her AI enabled expertise, purchase your customized recommendation that comes to you at an exclusive discount with the help of your work email id.

No, your parents cannot be covered under this policy.

Anyone below 65 years of age can opt a personal accident insurance policy.

The process is simple. Our experts will let you know the set of documents required. You can email or call your RM who gets allocated to you once you buy policy from elephant. Your dedicated RM will help and let you know the et of documents required to claim

Type of plan, Premium, Policy coverage, Insurer, Benefits, Coverage Abroad, Benefits to family, Exclusions, and Claim settlement process.

Yes, the policies can cover your spouse, upto 4 children, 2 parents and 2 in-laws.

Secutity and stability in case of accidental death, permanent total disablement, permanent partial disablement, burns, fractures etc., along with financial support for families and reconsruction surgeries.

When your job requires frequent commute using any mode of transport. No rode gurantees a safe passage. It is better to insure your life, surgeries and your dependent family’s needs.

Many plans provide worldwide emergency assistance services, inclusive of air ambulance.
Our latest Insurance articles & videos
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    Published on: 11th Jul 2023
    4 Term Life Insurance Riders You Must-Know

    Think of Term Life insurance as a simple cheese pizza, offering essential coverage.  But what if you want to add some extra toppings to enhance the taste and make it more personalized? That’s where term life insurance riders come into play. Riders act as additional features or benefits that you can choose to add on top of your term insurance policy. These riders allow you to tailor your policy to meet your specific needs and provide comprehensive protection for you and your loved ones.

    Let’s take a closer look at four must-have term life insurance riders.

    4 Must-Have Term Life Insurance Riders

    1. Critical Illness Rider

    No one wants to think about the possibility of being diagnosed with a critical illness, but it’s important to be prepared. A critical illness rider provides coverage in the event that you are diagnosed with any specified critical illness such as cancer, heart attack, stroke, or organ failure (broadly categorized). This rider ensures that you receive a lump sum payout if you are diagnosed with a covered illness, which can help cover medical expenses, and treatment costs, or even provide financial support during your recovery period.

    2. Accidental Death Rider

    Accidents can happen at any time, and the financial impact on your family can be devastating. An accidental death rider provides an additional death benefit in addition to the base life cover if you die as a result of an accident. This rider can provide extra financial security to your loved ones in the event of an unexpected and tragic accident, ensuring that they have the resources they need to move forward.

    Consider Mr. Sharma, who has a term life insurance policy with a death benefit of ₹1 crore. Unfortunately, he passes away in a tragic accident. Without any riders, his nominee would receive the base coverage of ₹1 crore. However, Mr. Sharma had the foresight to add an accidental death rider to his policy, which provides an additional ₹1 crore coverage in case of death due to an accident. As a result, his nominee will receive a total of ₹2 crore as the death benefit, significantly enhancing the financial security of the family.

    3. Waiver of Premium Rider

    Life is full of uncertainties, and one of the biggest concerns for policyholders is the possibility of losing the ability to pay premiums due to a disability or illness. A waiver of premium rider comes to your rescue in such situations. If you become disabled or seriously ill and are unable to work, this rider waives your premium payments while keeping your policy active. It ensures that your coverage remains intact, providing peace of mind during difficult times.

    4. Accidental Total Permanent Disability Rider

    Accidents can not only result in death but also leave a person permanently disabled and unable to earn a living. An accidental total permanent disability rider offers financial protection if you become permanently disabled due to an accident. In such a scenario, this rider provides a lump sum payout that can help cover medical expenses, rehabilitation costs, and ongoing living expenses.

    Also Read:  How Does Term Life Insurance Work?

    In conclusion, term life insurance riders act as the perfect add-ons to enhance the coverage and protection of your base policy, just like toppings on a pizza. They offer a wide range of benefits and cater to your specific needs, ensuring comprehensive coverage for you and your loved ones. It’s essential to carefully evaluate and choose riders that suit your circumstances, and for this, is your trusted personal insurance consultant. offers you expert assistance to navigate through the rider options and select the ones that best fit your requirements. We offer the right term life insurance policies at the best prices, ensuring that you receive optimal coverage without overpaying.

    With as your trusted insurance partner, you can have peace of mind, knowing that you have taken the necessary steps to protect your family’s financial future.

    Why wait? Feel free to explore!


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    Published on: 11th Jul 2023
    Save Big on Your Travels: 5 Insider Money-Saving Tips

    Travelling is an exciting adventure that allows us to explore new destinations, experience different cultures, and create lifelong memories. However, planning a trip requires careful consideration, especially when it comes to managing your finances and ensuring your safety.

    In this article, we will discuss four must-know money-saving travelling tips and highlight the importance of travel insurance as a must-have. So, let’s dive in!

    Budget Travelling: 5 Important Money-Saving Tips

    #1. Plan and Book in Advance

    One of the best ways to save money on your travels is to plan and book in advance. Airlines, hotels, and even tourist attractions often offer discounted rates for early bookings. By taking advantage of these deals, you can significantly reduce your travel expenses. Additionally, planning ahead gives you the flexibility to compare prices and choose the most affordable options.

    #2. Travel During Off-Peak Seasons

    Another effective money-saving tip is to travel during off-peak seasons. Popular tourist destinations tend to be more expensive during peak times, such as school holidays or major events. By opting for less crowded periods, you can often find better deals on accommodation, flights, and even local attractions. Not only will this save you money, but you’ll also get to enjoy a more relaxed and authentic experience.

    #3. Use Price Comparison Websites

    When booking flights, hotels, or rental cars, it’s crucial to compare prices across different platforms. Price comparison websites can help you find the best deals and discounts available. These websites aggregate information from various travel providers, allowing you to make an informed decision based on price, quality, and customer reviews. Always remember to read the terms and conditions carefully before making any reservations.

    #4. Embrace Local Cuisine and Transportation

    Food and transportation can be significant expenses while travelling. To save money, consider trying local cuisine instead of eating at touristy restaurants. Street food stalls and local markets often offer delicious and authentic meals at a fraction of the cost. Similarly, opt for public transportation or explore the city on foot instead of relying on taxis or expensive tours. Not only will you save money, but you’ll also get a chance to immerse yourself in the local culture.

    #5. Don’t Forget Travel Insurance

    Now that we’ve covered money-saving tips, it’s essential to discuss the importance of travel insurance. Travel insurance provides financial protection and peace of mind in case of unexpected events during your trip. Here are some key benefits:

    • Hospitalization resulting from accidental injury or sickness: If you require medical treatment while travelling, travel insurance can cover the expenses, including hospital stays, medications, and emergency medical evacuation if necessary.
    • Flight Cancellation: In the event of a flight cancellation or delay, travel insurance can reimburse you for the costs incurred, such as alternative transportation and accommodation arrangements.
    • Loss or theft of Baggage: Losing your baggage can be a nightmare, but travel insurance can provide compensation for lost or stolen belongings, helping you recover the financial loss.
    • Loss or theft of Passport: If your passport gets lost or stolen,  can cover the expenses involved in obtaining a new one, including emergency travel documents and passport replacement fees.
    • Trip Cancellation: Sometimes unforeseen circumstances may force you to cancel your trip. With travel insurance, you can receive a refund for pre-paid expenses, such as flights and accommodation, ensuring that you don’t lose your hard-earned money.
    • Home Burglary Insurance: It is a type of insurance that keeps your home protected while you’re away from home. It helps you in case someone breaks into your house and takes or damages your things. If you have this add-on insurance, the company will give you money for the items that were stolen or damaged during the burglary, but it only applies if the incident occurred in your home in India.
    • Compassionate Visit: During your travel, if you get injured or sick and need to stay in the hospital, this insurance covers the cost of bringing a close family member to be with you. The doctor must confirm in writing that your family member’s presence is necessary, and the insurance company needs to approve it. They will reimburse the actual cost of a basic flight ticket for your family member to travel directly to you. However, the reimbursement amount cannot exceed the maximum coverage limit of the insurance policy. In this case, “family member” refers to your spouse, parents, siblings, and in-laws. This benefit is only applicable if your hospitalization is covered under the Medical Expenses and Medical Evacuation section of the policy.

    In conclusion, as you embark on your next travel adventure, remember to prioritize both your financial well-being and your safety. Implement the money-saving tips shared in this blog, plan ahead, and make informed decisions. And above all, don’t forget to invest in travel insurance from a trusted insurance consultant like By doing so, you’ll not only save money but also have the peace of mind to fully immerse yourself in the wonders of the world.

    Bon voyage!


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    Published on: 21st Jun 2023
    What Should You Do if Your Vehicle Is Involved in a Road Accident?

    A road accident can be a stressful event, but with the right knowledge and support, you can navigate through this experience with resilience and confidence. Let’s explore some important steps you should remember if you find yourself in such a situation.

    1. Stay Clam and Manage the Situation

    First and foremost, staying calm and managing the situation is vital. Take a deep breath and assess the damage to your vehicle and any others involved. If there are injuries, immediately call for medical assistance. Remember, it’s important not to move any injured person unless it’s absolutely necessary to avoid further harm.

    2. Collect Relevant Details

    Make sure to collect their contact details, and insurance information, and note down the make, model, and registration number of their vehicle. If there are witnesses, gather their names and contact information as well.

    3. Take Pictures and Gather Proof

    In today’s digital age, a picture is worth a thousand words. Use your phone to capture images of the damage to your car and the other vehicles involved. These photographs can serve as crucial evidence when submitting an insurance claim. Additionally, try to capture the accident scene and any relevant traffic signals or road signs that may have contributed to the collision.

    4. File an FIR

    In cases of significant injuries or severe damage to the vehicles, filing a First Information Report (FIR) with the police is essential. The FIR will serve as important documentation for insurance purposes, so try to obtain a copy for your records.

    5. Notify Your Insurance Provider

    Next, it’s time to notify your insurance provider promptly. Share all the relevant information, including the police FIR and the photographs of the damage. Follow their instructions carefully to facilitate the claim process. But before accepting any settlement offers from the other driver or their insurance provider, thoroughly review the terms and conditions. It’s crucial to understand the implications and ensure you receive fair compensation for the damages.

    6. Repair Your Vehicle

    Once the insurance process is underway, you’ll need to have your vehicle repaired. Visit a partner garage or an approved service facility to get the necessary repairs done. Remember to save all the invoices and receipts related to the repairs, as your insurance company may request them as part of the claims procedure.

    7. Appropriate RC Information for Garage Cashless Services

    When it comes to insurance, accurate information is crucial. Ensure that your vehicle’s RC book contains the correct details about the engine, chassis, and registration numbers. Any discrepancies may hinder your chances of receiving cashless service at a network garage. So, be meticulous when purchasing or renewing your vehicle insurance policy.

    8. Assuring Quick Evaluation and Repairs for Your Damaged Vehicle

    In some cases, the insurance company may appoint a surveyor to evaluate the damage to your car and determine the payout. They may conduct a spot survey at the accident site or visit the garage where your vehicle is being repaired. If there are delays in the survey or claim processing, don’t hesitate to contact your insurance provider or agent/broker for updates. Being proactive and following up can help expedite the resolution process.


    A car accident is undoubtedly a distressing experience. But if you adhere to these simple instructions, you can ensure that dealing with the consequences of an accident is as easy and hassle-free as possible.

    Moreover, at such times, stands by your side, offering unwavering support throughout the entire process. From providing roadside assistance to ensuring you receive your rightful claim, our team of dedicated experts is here for you. Count on to deliver top-notch service and guidance at every stage. If you require any assistance or have any queries, do not hesitate to contact at 1800 266 9693 or

    Drive safely and let help you stay secure on road.


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    Published on: 22nd Jun 2023
    3 Hacks to Manage Senior Citizen Parents’ Healthcare Costs

    Our parents hold a special place in our hearts. They’ve been there for us, guiding us and giving us unconditional love throughout our lives. Now, as time passes, it is our turn to ensure their well-being, especially when it comes to managing their healthcare costs.

    Unfortunately, the cost of medical care has been rising steadily over the years, making it increasingly difficult for families to bear the burden. It’s natural to feel worried and responsible for our parents’ well-being, wanting to make sure they receive the best care without financial stress. This is a mission that every loving child takes on with determination.

    To your rescue, is here to share three helpful hacks that will empower you to handle your parents’ healthcare costs wisely and effectively.

    #Hack 1 – Buy Adequate Health Insurance Coverage

    One of the most important steps in managing healthcare costs for your parents is to ensure they have adequate health insurance coverage. Explore different insurance options and select a plan that provides comprehensive coverage for their medical needs.

    Consider factors like premiums, deductibles, co-payment, waiting periods, sub-limits, coverage limits, room rent limit, etc., to find the right balance. With the right health insurance, you can significantly reduce hospitalization expenses and ensure best-in-class treatment for your parents without undue financial stress.

    You save up to 60% on your premium amount with this exclusive deal.
    Why wait? Visit!

    #Hack 2 – Build a Buffer – Maintain an Emergency Fund

    Even if the health coverage is enough for hospitalization, various components like post-hospitalization expenses, day-to-day medical expenses, and a lot of out-of-pocket expenses may arrive.

    Therefore, you need to put aside some money for your healthcare. Maintaining an emergency fund to meet unforeseen medical costs is crucial as your parents get older.

    Make sure to choose a bank account that offers a higher interest rate and maintain its activity by conducting transactions at least once a month. Your emergency fund should ideally be around 6 to 8 times your monthly salary.

    It is advisable to select a widely accessible bank for this account so that you can easily find an ATM in case of emergencies and withdraw cash when needed.

    #Hack 3 – Manage Your Parents’ Investment Portfolio at an 80:20 Ratio

    It might be a good idea to manage their portfolio at an 80:20 ratio to ensure your parents have enough money to pay for their medical costs.

    This strategy aims for them to allocate 80% of the money in debt funds. This ensures stability, minimizes the impact of market fluctuations, and provides a reliable source of revenue for cash liquidity.

    The remaining 20% can be allocated to more growth-oriented investments, which have the potential to generate higher returns over time. This balanced approach helps protect your parents’ investments while providing opportunities for growth to meet their healthcare needs.


    By using these three hacks, you can better handle the challenge of managing healthcare costs for your elderly parents. It will give you more confidence and make things easier for you. Remember, taking care of your parents is an act of love. With careful planning and smart financial strategies, you can make sure they get the care they need without sacrificing their financial security.

    To safeguard your own future, we offer various insurance options. Visit to explore a wide range of reliable and comprehensive healthcare insurance plans. If you have any questions or need assistance, feel free to connect with us:

    Toll-Free No. – 1800 266 9693 | Email ID –
    Don’t wait until it’s too late!

    Disclaimer: The premium of ₹50/day i.e., ₹22,733 per year (inclusive of 18% GST) has been calculated for a 60-year-old healthy male and spouse on a family floater basis for a cover amount ₹5 lakh base health and ₹20 lakh super top-up with ₹5 lakh deductible. Discount of up to 60% has been calculated basis on the market offering taken for comparison is from Care Health Insurance Limited’s retail product ‘Care’ for the same age and sum insured of ₹25 lakh, and benefits may vary. This exclusivity is offered by Care Health Insurance Limited group product “Group Care 360” UIN: RHIHLGP20126V011920. Premium may vary as per the selection made by the customer in any part of the digital journey including the sum insured opted. Premium is subject to change by the insurance company selected by the customer. Employees can enjoy the discount by entering their Work Email ID subject to their company being a ‘Preferred Partner Organization’ at All discounts are provided by Insurers as per IRDAI-approved insurance plans. Standard T&C apply. Product information is authentic and solely based on the information received from the insurer. For more details on risk factors, please read the sales brochure carefully before concluding a sale. Insurance is the subject matter of solicitation. Alliance Insurance Brokers Private Limited | 8th Floor, Gold Crest, NS Road No. 10, Juhu, Vile Parle (W) Mumbai 400 049, India | Toll Free No. 1800 266 9693 | Composite Broker | CIN: U67200MH2003PTC141621 | IRDAI Registration No. 217 | Valid till 12/10/2024 | EL/02/23-24/91

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    Published on: 31st May 2023
    7 Must-Have Car Insurance Add-ons

    Picture this – you’re driving during the monsoon season, and suddenly, your car gets flooded, leaving you stranded with costly repairs. You find out that your regular insurance policy doesn’t cover such unforeseen events, which can cause significant financial losses.

    But fear not! That’s where add-on covers come to the rescue. These add-ons, also called riders or extensions, fill the gaps left by a standard car insurance policy. They offer you extra protection and peace of mind in situations like the one described above.

    In this blog, we will delve into the growing importance of add-on covers in car insurance policies in India, exploring key options that can enhance your coverage, ensuring you’re well-protected on the road.

    7 Must-Have Add-ons in India

    Aside from the numerous add-ons available on the market, here are the top 7 must-have riders with your basic car insurance.

    1. Zero Depreciation

      Zero Depreciation cover ensures that you receive the full claim amount without accounting for depreciation during repairs or replacements of car parts. With this add-on, you can avoid hefty out-of-pocket expenses and enjoy comprehensive coverage for repairs or replacements, maximizing the benefit of your car insurance policy.
    2. Roadside Assistance

      Roadside Assistance is a valuable add-on that offers support in unexpected situations such as breakdowns, flat tires, or accidents. The best part is that it provides round-the-clock assistance without affecting your No Claim Bonus. Whether you need a tow truck, fuel refill, or emergency locksmith, this cover provides round-the-clock assistance, ensuring you are not stranded on the road and helping you resume your journey without any hassle.
    3. Engine Protector

      The Engine Protector add-on cover safeguards your vehicle’s engine against damage caused by water ingression or hydrostatic lock. With the increasing instances of flooding during monsoons in many parts of India, this cover becomes particularly crucial, as it protects you from costly repairs or replacements of your car’s engine components.
    4. NCB Protection

      No Claim Bonus (NCB) Protection add-on allows you to preserve your hard-earned NCB discount even after filing a claim. Usually, a single claim can lead to the reduction of your NCB, resulting in higher premiums. With this cover, you can maintain your NCB benefits, ensuring future savings on your car insurance premiums.
    5. Key Replacement

      Losing or damaging your car keys can be a stressful experience. The Key Replacement add-on cover provides financial assistance for the replacement or repair of lost or damaged keys, including locksmith charges. It saves you from the inconvenience and expenses associated with replacing modern car keys that are often expensive to replace.
    6. Loss of Personal Belongings

      The Loss of Personal Belongings add-on cover compensates you for the loss or damage of personal items within your insured car due to theft or an accident. This cover offers reimbursement for items such as laptops, smartphones, or other valuable possessions, providing additional financial protection beyond the scope of a standard policy.
    7. Return to Invoice (RTI)

      The RTI (Return to Invoice) add-on cover is highly recommended and incredibly beneficial. It ensures that you receive compensation equal to the original value of your car when you first purchased it. This claim applies in situations where your car is stolen or constructive total loss, wherein, the surveyor declares that the repair cost of the vehicle exceeds 75% of the IDV (Insured’s Declared Value) of your vehicle.

      Imagine the unfortunate scenario where your car is stolen, and despite police efforts, it cannot be recovered. This situation can be incredibly challenging for you. However, with the RTI Cover, you can find solace. It guarantees that you will receive the full invoice amount as compensation, providing you with valuable financial support during such difficult times.


    In today’s world, the dangers on Indian roads are always changing, and unexpected events like floods can occur. That’s why it’s crucial not to overlook the significance of additional insurance coverage. By adding these extra coverages, you can strengthen your insurance policy and have greater protection and peace of mind.

    At, you can explore a wide range of additional covers that are available. We offer many other add-ons and comprehensive solutions to meet your specific insurance requirements.

    Feel free to visit, today!

    Right insurance, best price, every time. It’s a promise!

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    Published on: 15th Mar 2023
    Why Corporate Employees Must Purchase Insurance from is India’s first Insurtech consulting platform offering a one-stop solution for all the personal insurance needs of corporate employees.

    Employees often seek various insurance plans to strengthen their financial capability and secure their future. By empowering them with Corporate Superpower, we offer various coverages to keep their present and future financially secured.

    Powered by Alliance Insurance Brokers Pvt. Ltd., India’s leading insurance brokers, nothing but only the best insurance plans at the best price are provided.

    A Sneak Peek of Benefits Offered by

    When employees use their Work Email ID, they get access to following benefits at

    #1. Corporate Superpower

    Corporate employees deserve the right to feel taken care of and that’s exactly what is done. They are guarded with superpowers that allow them to get the best insurance policy at economical prices and top-notch service.

    #2. Handpicked Insurers

    Packed with carefully chosen insurance companies, employees can rest assured about being helped with the best plans in line with – their requirements and paying capability, along with the best customer service.

    #3. Instant Policy

    Get over those traditional physical policies that were time-consuming, lengthy and extremely annoying. As soon as the payment is made, employees can either download or print the chosen policy.

    #4. Digital Relationship Manager

    After purchasing a policy, having questions or expecting some help is natural and that’s not neglected. Each employee is backed by a dedicated digital relationship manager to help with such matters and offer peace of mind.

    #5. Lifetime Personalized Account

    Looking for one thing and hunting from place to place is annoying and takes ample time. This is why employees these days expect everything together in one place. Making it a reality, employees are given a lifetime personalized account to manage their policy effortlessly.

    #6. AI-based Recommendation

    The artificial intelligence, Laxmi, works like a friendly advisor for every employee and guides them throughout the process. Laxmi also suggests solutions or recommendations it believes might prove helpful for an employee.

    #7. Right Insurance at the Best Price

    There are a couple of benefits corporate employees can reap. They are told about various insurance plans with each one of them having their own benefits. This way, employees are helped in picking the best insurance that covers their needs at the best possible negotiated price.

    #8. Assistance from Experts

    Gone are the days when stepping into the insurance space was a troublesome, complicated and severe headache. Professional insurance experts simplify everything and make the whole experience a lot easier than they thought.

    #9. Best-in-Class Claim Service

    Nothing is certain and insurance plan claims are no exception. However, skilled and determined experts are always at the beck and call of the employees to help them get what they deserve. In other words, claims are managed easily.

    #10. Renewal Management

    Timely automatic renewal notifications are shared to remind the employees before the policy is about to expire. This ensures that they renew the policy on time and that too in a quick and easy way. Simply said, attention is given so that payments are not delayed.

    A Zero Cost Insurance Consulting Platform for Corporate Employees has a vast clientele and a number of trusted insurers, two factors that speak for the company being a genuine and reliable choice for corporate employees. More than 10 lakh employees have benefited from their association with these talented professionals and are continuing to do so. Combining these reasons together make a great pick for everyone who belongs to the corporate world.

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    Published on: 26th Dec 2022
    What is Covered Under a Comprehensive Car Insurance Policy?

    Mainly, there are two kinds of car insurance policies – Third Party Liability Coverage and Comprehensive Coverage.

    Before talking about Comprehensive coverage, first, let’s quickly go through the Third Party Liability Coverage.

    As per the Indian Motor Vehicles Act of 1988, every individual who owns an automobile, or any other type of vehicle for that matter, is required to have third-party liability coverage.  This coverage offers financial security against losses or damages brought on by the insured’s car to a third party. It pays the third party back for any property loss, physical harm, or unintentional death.

    What is a Comprehensive Car Insurance Policy?

    A comprehensive car insurance policy protects the insured against both third-party liabilities and their own damages.  Since it protects you financially from any damages that may occur unrelated to a collision, it is sometimes known as “other than collision” or “own-damage” car insurance. Any unanticipated events, including accidents, fires, thefts, and natural disasters, are covered by a comprehensive car insurance policy. Thus, both the insured and the third party are covered.

    The Advantages Of Purchasing Comprehensive Car Insurance

    Any unanticipated occurrence, except collision, is covered by a comprehensive auto insurance policy. It also provides coverage for losses sustained in an accident. Here are some of the many additional advantages of this “other than collision” cover:

    • It offers your vehicle the finest degree of protection possible
    • With comprehensive automobile insurance, you may claim damages suffered in such circumstances even if you were at fault in an accident
    • It covers claims made against you in court, including legal costs, as a consequence of an accident
    • Financial security and peace of mind
    • Financial aid if your car is written off
    • In contrast to third-party insurance, it protects against damage to your own vehicle during an accident

    What Is Covered by Comprehensive Insurance?

    Comprehensive car insurance covers the 3 following things:

    1. Third-Party Liability

    • Damages caused to the property of the third party.
    • Death or injuries caused to the third party.
    • Death of the insured vehicle’s owner.
    • At an additional premium, the demise of the insured vehicle’s driver is also covered.
    • At an additional premium, the demise of the passengers travelling in the insured vehicle is also covered.
    • At an additional premium, the permanent total disability of the insured vehicle’s owner, passengers, and the driver is also covered.

    2. Own Damage

    • Natural disasters like storms, floods, earthquakes, tornadoes, hurricanes,  etc.
    • Damage suffered in an accident involving the insured vehicle.
    • Terrorism
    • Explosions, fire, and civil commotions
    • Falling objects
    • Stealing and damage

    3. Personal Accident Cover

    • Death of the life insured
    • Loss of two limbs, loss of vision in both eyes, loss of one limb, or loss of one eye.
    • Permanent disability due to injuries other than those already mentioned.

    What are the Exclusions of Comprehensive Insurance?

    If an accident causes damage to your automobile, you cannot file a compensation claim without having comprehensive coverage at the time of the accident. Similarly, several items are not covered by comprehensive auto insurance:

    • Depreciation
    • Natural deterioration of the vehicle (wear and tear)
    • Mechanical or electrical failure
    • Damages to the car resulting from a driver driving without a legal license
    • Damage brought on by drunk driving
    • Damage incurred from intoxicated driving (under the influence of drugs)
    • Independent tire and tube damage (not due to a covered collision)
    • Vehicle loss or damage caused by mutiny, war, or nuclear risk


    There is no doubt that a comprehensive car insurance policy typically offers broader coverage. However, Please note that each policy is unique, and you must read it thoroughly to understand the inclusions and exclusions.

    In case of queries, feel free to write us at or call at 1800 266 9693.

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    Published on: 16th Dec 2022
    Section 80D: How to save tax on health insurance premiums paid

    Every year at this time, people start talking about taxes and investments that can reduce their taxable income. And it’s crucial that you only use legal ways while trying to lessen your tax burden. can help with that.

    In this article, we have outlined a legal strategy you may use to not only reduce your tax burden but also create a sizeable fund for you and your family’s health emergencies.

    One of the legal tax-saving avenues is Section 80D of the Income Tax Act, which allow you to get tax benefits on health insurance premium(s) paid from your income up to a limit of ₹ 1,00,000. Let us understand this Section in detail.

    Health Insurance Tax Benefit in India

    Under Section 80D, you can avail income tax deductions against healthcare-related expenses and payment of health insurance premium. The amount of tax deductions that you can claim under Section 80D depends on the number of people included under the health insurance coverage as follows:

    • A policy that covers individual, spouse, and children (no member is a senior citizen) – a maximum of ₹ 25,000
    • A policy that covers individual, spouse, and children + parents who are not senior citizens – a maximum of ₹ 50,000
    • A policy that covers individual, spouse, and children + parents who are senior citizens – a maximum of ₹ 75,000
    • A policy that covers individual, spouse, and children where you or your spouse is a senior citizen + parents who are senior citizens – a maximum of ₹ 1,00,000
    • Section 80D also covers payment made for preventive health check-ups, critical illness life insurance plan and other health-related riders provided under a life insurance policy.

    It’s almost the end of the third quarter of the current financial year and is the right time to start planning your investments for the year and save some of your hard-earned tax money.

    You can visit to choose your preferred insurance company, compare various plans and buy the one that best fits your requirements.

    Tax Disclaimer: Tax benefits are defined by the Income Tax Act of 1961 and are subject to any future changes. It is suggested that you consult with a tax consultant.


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    Published on: 16th Dec 2022
    Section 80C: How to save tax on life insurance premiums paid

    People begin discussing taxes and investments that can lower their taxable income around this time of the year. It’s vital that you only reduce your tax bill using legal means. That is where can help.

    In this post, we’ve covered a one of the most-opted legal ways you can employ to – not only lower your tax bill but also build up a sizable emergency fund – that can protect you and your loved ones in uncertain situations.

    One of these legal tax-saving options is Section 80C of the Income Tax Act, which enables you to receive tax benefits on expenses from your income up to a maximum of ₹1,50,000. Let’s take a closer look at this Section.

    Life Insurance Tax Benefits in India

    One of the most well-known and preferred tax-saving options is Section 80C – because it enables taxpayers to make tax-saving investments like life insurance products to lower their taxable income.

    It allows a maximum annual deduction of ₹ 1,50,000 from the total yearly income.

    For example, You are a 26-year-old individual, that falls under the highest tax slab rate of 30% having an annual income of less than Rs 50 lakhs. You have opted for the old tax regime.

    You have purchased a term life insurance plan from for an annualized Premium of ₹19,500 for a Premium Payment Term and a Policy Term of 36 years. You get a life cover of ₹ 2 crores. In the case of your unfortunate demise, your nominee will get a lump sum payout of ₹ 2 crores.

    As per 30%, the tax on ₹ 19,500 is ₹5,850
    Education Cess of ₹ 234 at 4% of ₹45,000
    You save ₹5,616 in a year

    In this way, you can save ₹5,616 X 34 years (premium paying term) = ₹ 2,02,176

    Additionally, you get the following benefits from a term life insurance plan:

    • Life cover  of over ₹ 2 Crore
    • You save ₹ 2.02 lakhs in tax benefits under Section 80C
    • Get tax-free pay-out under Section 10(10D)

    Suggested Read: How much term insurance cover do I need?

    It’s almost the end of third quarter of the current financial year and is the right time to start planning your investments for the year and save some of your hard-earned tax money.

    You can visit to choose your preferred insurance company, compare various plans and buy the one that best fits your requirements.

    Tax Disclaimer: Tax benefits are defined by the Income Tax Act of 1961 and are subject to any future changes. It is suggested that you consult with a tax consultant.


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  • 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
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    Human Resource(HR)
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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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