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| Feature | 🚗 Car | ❤️ Health | 🏢 Business | ✈️ Travel | 🏠 Home |
|---|---|---|---|---|---|
| Legally Required? | ✅ Yes 3rd party mandatory |
❌ No Advised |
⚠️ Partial WC mandatory |
⚠️ Partial Schengen visa |
❌ No Strongly advised |
| Starting Premium | ₹2,072/yr | ₹4,800/yr | ₹3,500/yr | ₹500/trip | ₹2,500/yr |
| Medical Cover | PA only | ✅ Full | Group health | ✅ Emergency | ❌ No |
| Property Damage | ✅ Vehicle | ❌ No | ✅ Full | Baggage only | ✅ Full |
| Liability Cover | ✅ 3rd party | ❌ No | ✅ Public + PI | ✅ Personal | Optional |
| Tax Benefit (80D) | ❌ No | ✅ Yes | GST ITC | ❌ No | ❌ No |
| Policy Duration | 1 year | 1 year | 1 year | 1 trip / 1 year | 1 year |
| Best For | Vehicle owners | Everyone | SMEs & firms | Travellers | Homeowners |
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We track all your policy renewals and proactively re-shop the market every year — so you're never uninsured and always getting the best rate.
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General Insurance protects against financial loss from unexpected events like accidents, illness, fire, theft or natural disasters — for a fixed policy period (usually 1 year). It is non-life insurance. Life Insurance, on the other hand, pays out on death or maturity, and is typically a long-term contract. General insurance includes car, health, home, business and travel insurance. Premiums do not accumulate — there is no surrender value.
Two general insurance policies are legally mandatory: (1) Third-Party Motor Insurance — under the Motor Vehicles Act 1988, all vehicles on Indian roads must have at least third-party insurance. Driving without it can result in a ₹2,000 fine and/or 3 months imprisonment. (2) Workmen's Compensation Insurance — under the Employees' Compensation Act 1923, businesses with workers in hazardous occupations must have this cover. Schengen travel insurance is mandatory for Europe visa applicants.
Health insurance premiums qualify for tax deduction under Section 80D of the Income Tax Act — up to ₹25,000/year (₹50,000 for senior citizens). Business insurance premiums are fully deductible as a business expense under the Income Tax Act. Car, home and travel insurance premiums do not attract personal income tax deductions. For GST-registered businesses, 18% GST paid on most business insurance policies is available as Input Tax Credit (ITC).
The claim process varies by insurance type: For health insurance — cashless at network hospitals (insurer pays directly) or reimbursement (you pay and claim later). For motor insurance — IRDAI-licensed surveyor assesses damage; cashless repairs at network garages. For other claims — file with documents (FIR, bills, repair estimates), surveyor assesses, insurer pays. Car Spider assists you through every step — from intimation to settlement — at no extra charge.
Yes, you can and should have multiple policies. For example, you can have car insurance, health insurance and home insurance simultaneously — each covering different risks. For health insurance, if you have two policies, claims can be split between them (contribution clause). For motor insurance, only one comprehensive policy is permitted per vehicle, but you can add riders. We recommend reviewing your complete insurance portfolio annually to identify gaps.
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