Roja project

UNIVERSITY OF MUMBAI
PROJECT
ON
“COMPARISON BETWEEN SBI GENERAL INSURANCE AND
RELIANCE GENERAL INSURANCE”
SUBMITTED BY
BHAIRI ROJA SRINIVAS
THE AWARD OF THE DEGREE OF
BACHELOR OF BANKING AND INSURANCE (BBI):SEM. V
EXAMNO.24
ACADEMIC YEAR 2016-17
GUIDED BY
Ms. GONDALIYA CHARMI
PADMASHRI ANNASAHEB JADHAV BHARATIYA SAMAJ UNNATI MANDAL’S
B.N.N. COLLEGE, BHIWANDI
DIST. THANE 421305

Padmashree Annasaheb Jadhav Bharatiya Samaj
Unnati Mandal’s
B.N.N.College,Bhiwandi.
(A.S.&C.) Dist.Thane – 421 305
SELF FUNDED COURSES
Est. June 1966 ‘A’ NAAC Accredited
BACHELOR OF BANKING AND INSURANCE (BBI)
CERTIFICATE
This is to certify that, BHAIRI ROJA SRINIVAS, Exam No.- ______ of
T.Y.B Com (Banking & Insurance), B.N.N College, Semester __ (Academic Year
2016- 2017) has successfully completed the project entitled “___________ __________
____________ ________________________” and submitted the Project Report in partial
fulfillment of the requirement for the award of the Degree of Bachelor Of Commerce
(Banking & Insurance), of University of Mumbai.
Ms. Charmi Gondaliya Dr. Suvarna Rawal Dr. Ashok D. Wagh
(Project Guide) (Co-ordinator) (Principal)
Examiner: - _______________
Date :- _____________
College Seal

DECLARATION
I Ms.ROJA BHAIRI SRINIVAS , ExamNo.24 Student of B.N.N College, Bhiwandi of T.Y. B.com
{Banking & Insurance}, Semester V, hereby declare that I have completed project on
“COMPARISON BETWEEN SBI GENERAL INSURANCE AND RELIANCE GENERAL
INSURANCE” is a record of independent research work carried by me during the academic year 2016-
2017 under the guidance of Ms.GONDALIYA CHARMI . The information submitted is true and
original to the best of my knowledge.
BHAIRI ROJA SRINIVAS
_

ACKNOWLEDGEMENT
To list who all have helped me is difficult because they are so numerous and the depth is so enormous.
I would like to acknowledge the following as being idealistic channels and fresh dimensions in the completion
of this project.
I take this opportunity to thank the University of Mumbai for giving me chance to do this project.
I would like to thank my Principal, Dr Ashok D. Wagh for providing the necessary facilities required for
completion of this project.
I take this opportunity to thank our Coordinator Dr. Suvarna T. Rawal, for her moral support and guidance.
I would also like to express my sincere gratitude towards my project guide Ms. Gondaliya charmi whose
guidance and care made the project successful.
I would like to thank my College Nirlon Library, for having provided various reference books and magazines
related to my project.
Lastly, I would like to thank each and every person who directly or indirectly helped me in the completion of
the project especially my Parents and Peers who supported me throughout my project.

Objective of the study
 To find out general insurance and which are the companies involved in it.
 To know what are the trends in General Insurance.
 To find out the developments in the General Insurance.
 To study SBI General Insurance Policy products
 To study Reliance General Insurance Policy Products
 To study the comparison between SBI General Insurance Policy products and Reliance
General Insurance Policy Products

EXECUTIVE SUMMARY
Insurance is not the sale of products, but servicing customers. It is a system, by which the losses suffered by a
few are spread over many, Exposed to similar risks. Insurance is a protection against financial loss arising on
the happening of an unexpected event. Insurance companies collect premiums to provide for this protection. A
loss is paid out of the premiums collected from the insuring public and the Insurance Companies act as trustees
to the amount collected. The very fundamental principle of spreading of the risk is actually practiced by the
insurance companies by reinsuring the risks that they have insured.
The opening up of the Insurance Sector to Private Companies has made available more products and world class
service to Indian Customer. This project has been made with an objective to give an insight into various facts of
General Insurance sector in India. An attempt has been made to explain the apex body of General Insurance. I.e.
General Insurance Corporation of India, its structure, products and subsidiaries.
Also the review of latest entrants into insurance sector via private players like TATA AIG General Insurance
Company, Reliance General Insurance Company limited, Bajaj Allianz General Insurance Company, IFFCO
Tokyo General Insurance Company, Royal Sandarac General Insurance Company limited and ICICI Lombard
General Insurance Company have been described in brief, Due to the grow
th in the technological sector of the country, the insurance companies have started utilizing these technologies to
its optimum level. A case study based on the devastating Mumbai floods on 26th
July 2005 is been prepared and
facts of the case are being listed along with the effect of the particular situation on the General Insurance
Companies is been justified.

CONTENTS
Sr.No Particulars Page No
1 Introduction
 Origin Of Insurance
 Brief History Of The Insurance Sector
 Insurance Sector Reforms
1 to 4
2
Overview of Insurance Industry
 Insurance Regulatory Authority
 Insurance Industry: Classification
 4 I’s Of Insurance Service
 Terms Used In Insurance Industry
 Market Share
5 to 10
3 General Insurance 11 to 12
4 Reliance general Insurance (about Company, mission, vision
and products).
13 to 29
5 SBI general Insurance (about Company, mission, vision and
products).
30 to 48
6 Case Study 49 to 50
7 Comparative Study of General Insurance Policies of SBI
General Insurance Company and Reliance General Insurance.
51 to 57
8 Conclusion 58
9 Bibliography 59

ORIGIN OF INSURANCE
Whenever there is uncertainty there is risk. We do not have any control over uncertainties which involves financial
losses. The risk may be certain events like death, pension, retirement or uncertain events like theft, fire, accident, etc.
Insurance is a financial service for collecting the savings of the public and providing them with risk coverage. It comes
under service sector and while marketing this service due care is taken in quality product and customer satisfaction. The
main function of the Insurance is to provide protection against the possible chances of generating losses.
The insurance sector in India has come a full circle from being an open competitive market to nationalization and back to
a liberalized market again. Tracing the developments in the Indian insurance sector reveals the 360-degree turn
witnessed over period of almost two centuries.
Brief History of the Insurance Sector
The business of life insurance in India in its existing form started in India in the year1818 with the establishment of the
Oriental Life Insurance Company in Calcutta. Some of the important milestones in the life insurance business in India
are:1912: The Indian Life Assurance Companies Act enacted as the first statute to regulate the life insurance
business.1928: The Indian Insurance Companies Act enacted to enable the government to collect statistical information
about both life and non-life insurance businesses.1938: Earlier legislation consolidated and amended to by the Insurance
Act with the objective of protecting the interests of the insuring public.1956: 245 Indian and foreign insurers and
provident societies taken over by the central government and nationalized. LIC formed by an Act of Parliament, viz. LIC
Act, 1956,with a capital contribution of Rs. 5 core from the Government of India. The General insurance business in
India, on the other hand, can trace its roots to the Triton Insurance Company Ltd., the first general insurance company
established in the year 1850 in Calcutta by the British. Some of the important milestones in the general insurance
business in India are:1907: The Indian Mercantile Insurance Ltd. set up, the first company to transact all classes of
general insurance business.1957: General Insurance Council, a wing of the Insurance Association of India, frames abode
of conduct for ensuring fair conduct and sound business practices.2

1968: The Insurance Act amended to regulate investments and set minimum solvency margins and the Tariff Advisory
Committee set up.1972: The General Insurance Business (Nationalization) Act, 1972 nationalized the general insurance
business in India with effect from 1st January 1973. 107 insurers amalgamated and grouped into four companies’ viz. the
National Insurance CompanyLtd., the New India Assurance Company Ltd., the Oriental Insurance Company Ltd. and the
United India Insurance Company Ltd. GIC incorporated as a company. INSURANCE SECTOR The opening up of Insurance
sector was a part of the on going liberalization in the financial sector of India. The changing face of the financial sector
and the entry of several companies in the field of life and non life Insurance segment are one of the key results of these
liberalization efforts. Insurance business by way of generating premium income adds significantly to be the GDP.Over the
past three years; more than thirty companies have expressed interest in doing business in India. The IRDA (Insurance
Regulatory Development Authority) is the regulatory authority, which looks over all related aspects of the insurance
business. The provisions of the IRDA bill acknowledge many issues related to insurance sector. The IRDA bill provides
guidance for three levels of players - Insurance Company, Insurance brokers and Insurance agent. Life Insurance sector is
one of the key areas where enormous business potential exists. In India currently the life insurance premiums a
percentage of GDP is 1.3 % against, 5.2 per cent in the US. General Insurance is another segment, which has been
growing at a faster pace. But as per the current comparative statistics, the general insurance premium has been lower
than life insurance. General Insurance premium as a percentage of GDP was a mere 0.5'per cent in 1996. In the General
Insurance Business, General Insurance Corporation (GIC) and its four subsidiaries viz. New India Insurance, Oriental
Insurance, National Insurance and United India Insurance, are doing major business. The General Insurance Industry has
been growing at a rate of 19 percent per year.3
The entry of several private insurance companies, particularly international insurance companies, through joint
ventures, will speed up the process of insurance mobilization. The competition will unleash new schemes and benefits,
which will give consumers abettor Chance to save as well as insure. The regulatory system in India is relatively new and
takes some more time to make the Insurance sector a perfectly competitive one. Insurance Regulatory Authority of India
issued regulations on 15 subjects which included appointed. Actuary, actuarial report, Insurance agents, Solvency
margins, re-insurance, registration of Insurers, and obligation of insurers to rural and social sector, investment and
accounting procedure. The reform in Insurance in India is guided by factors like availability of a variety of products at a
competitive price, improvement in the quality of customer services etc. Also the employment opportunities in the
Insurance sector wil1 increase as major players set their business plans in India. The policy of the government to open up
the financial sector and the Insurance sector is expected to bring greater FDI inflow into the country. The increase in the
investment limit in this vital sector has generated considerable business interests among the foreign Insurance
companies" Their entry wil1 certainly change the Insurance sector considerably.

Insurance Sector Reforms
In 1993, Amphora Committee headed by former Finance Secretary and RBI Governor R.N. Amphora was formed to
evaluate the Indian insurance industry and recommend its future, direction. The Amphora committee was set up with
the objective of complementing the reforms initiated in the financial sector. In 1994, the committee submitted the
report and some of the key recommendations included: Structure:1. Government stake in the insurance Companies to
be brought down to 50%. 2.Government should take over the holdings of Gulch and its subsidiaries so that these
subsidiaries can act as independent corporations.3. All the insurance companies should be given greater freedom to
operate. Competition:I. Private Companies with a minimum paid up capital of Rs. 1 ban should be allowed to enter the
industry.2. No Company should deal in both Life and General Insurance through a single entity.3. Foreign companies may
be allowed to enter the industry in collaboration with the domestic companies.4. Postal Life Insurance should be allowed

to operate in the rural market.5. Only one State Level Life Insurance Company should be allowed to operate in
eachstate.5
Regulatory Body:1. The Insurance Act should be changed.2. An Insurance Regulatory body should be set up. Controller of
Insurance (Currently a part from the Finance Ministry) should be madeindependent.Investment:1. Mandatory
Investments of LIC Life Fund in government securities to be reduced from75% to 50%.2. GIC and its subsidiaries are not
to hold more than 5% in any company (There current holdings to be brought down to this level over a period of
time.)Customer Service:1. LIC should pay interest on delays in payments beyond 30 days.2. Insurance companies must
be encouraged to set up unit linked pension plans.3. Computerization of operations and updating of technology to be
carried out in the insurance industry. The committee emphasized that in order to improve the customer Services and
increase the coverage of the insurance industry should open up to competition. But at the same time, the committee felt
the need to exercise caution as any failure on the part of new players could ruin the public confidence in the industry.
Hence, it was decided to allow competition in a limited way by stipulating the minimum capital requirement of Rs. 100
crores. The committee felt the need to provide greater autonomy to insurance companies in order to improve
INSURANCE REGULATORY AUTHORITY
On the recommendations of the Amphora Committee, government has set up an interim Insurance Regulatory Authority
(IRA), with a view to activate an insurance regulatory apparatus essential for proper monitoring and control of the
insurance industry. The Iraqis headed by a chairman who is also Controller o0f insurance and chairman of TBC. The other
members of the IRA, not exceeding seven in number of whom not more than three shall serve full time, shall be
nominated by the central government Insurance industry, as on 1.4.2000, comprised mainly two players: the state
insurers: Life Insures:
• Life Insurance Corporation of India (LIC)General Insurers
• General Insurance Corporation of India (GIC) (with effect from Dec ‘2000, national reinsurer)
INSURANCE INDUSTRY:CLASSIFICATION

4 I’s of Insurance Service
The 4 I’s refers to the different dimensions/ characteristics of any service. Unlike pure product, services have its own
characteristics and its related problems. So the service provider needs to deal with these problems accordingly. The
service provider has to design different strategies according the varying feature of the service. These 4 I’s not only
represent the characteristics of different services but also the problems and advantages attached to it. These 4 I’s can be
broadly classified as:
1. Intangibility
2. Inconsistency
3. Inseparability
4. Inventory
Intangibility:
Insurance is a guarantee against risk and neither the risk nor the guarantee intangible. Hence, insurance rightly come
under services, which are intangible. Efforts have been made by the insurance companies to make insurance tangible
twosome extent by including letters and forms
Inconsistency:

Service quality is often inconsistent. This is because service personnel have different capabilities, which vary in
performance from day to day. This problem of inconsistency in service quality can be reduced through standardization,
training and mechanization.
Inseparability:
Services are produced and consumed simultaneously. Consumers cannot and donor separate the deliverer of the service
from the service itself. Interaction between consumer and the service provider varies based on whether consumer must
be physically present to receive the service.
Inventory:
No inventory can be maintained for services. Inventory carrying costs are more subjective and lead to idle production
capacity. When the service is available but there is no demand, cost rises as, cost of paying the people and overhead
remains constant even though the people are not required to provide services due to lack of demand. In the insurance
sector however, commission is paid to the agents on each policy that they sell. Hence, not much inventory cost is wasted
on idle inventory. As the cost of agents is directly proportionate to the policy.
TERMS USED IN INSURANCE INDUSTRY
Agent: An insurance company representative licensed by the state, who solicits, negotiates or effects contracts of
insurance, and provides service to the policyholder farther insurer.
Actual Total Loss: It is a loss where the goods are completely lost and become irrecoverable Additional cover: An
insurance policy extended to cover additional risk perils such as strikes. Riots and Civil commotion etc on payment of
extra premium.
Agreed value policy: Policy which undertakes to pay a specified amount in case of total loss. Under this case the policy
does not take into account the current market value.
Assessor: Person who estimates the value of goods for the purpose of apportioning the sum payable by the underwriters
to settle the claims. Also called as Surveyor.
Assured: Party indemnified against 19ss by means of insurance.

Burglary: It is a theft committed by breaking into or out of the premises. Evidence of breaking In, Is necessary.18
Coverage: The scope of protection provided under a contract of insurance; any of several risks covered by a policy.
Cargo insurance: A generic term used in both inland marine and ocean marine insurance to designate the type’s of
insurance available to provide coverage for cargo that is being transported by truck, rail, air, ship, or boat.
Certificate of Insurance: A statement of coverage issued to an individual insured, specifying the insurance benefits and
principal provisions applicable to the member.
Claim: The formal request by a policyholder or a claimant for payment of loss under an insurance policy.
Co-insurance: A provision under which an insured who carries less than the stipulated percentage of insurance to value,
will receive a loss payment that is limited to the same ration which the amount of insurance bears to the amount
required.
Cover Note: Is the document that is issued provisionary pending issuance of insurance Policy.
Indemnity: Legal principle that specifies an insured should not collect more than the actual cash value of a loss but
should be restored to approximately the same financial positions existed before the loss.
Insurable Interest: A condition in which the person applying for insurance and the person who is to receive the policy
benefit will suffer all emotional or financial loss, if any untouched event occurs. Without insurable interest, an insurance
contract is invalid.
Insurance: Social device for minimizing risk of uncertainty regarding loss by spreading the risk over a large enough
number of similar exposures to predict the individual chance of loss.

Net Premium: The portion of premium rate which is designed to cover benefits of the policy, excluding expenses,
contingencies and profit.
Policy: Is the legal document that has the conditions of the insurance contract.
Premium: It is the amount paid to secure an insurance policy.
Salvage: Recovery made by an insurance company by the sale of property which has been taken over from that insured
as a part of loss settlement. The remains of damaged vehicle or any other property.
Third party: Any person other than the two parties signing an insurance, contract.
Underwriting: Underwriting of a risk involves consideration of material, facts on the basis of which a decision will be
taken whether to accept the risk and if so at what rate of premium.
MARKET SHARE
As by this time we are well versed with all the General Insurance companies both Public and private we know how each
company contributes serving the customers and also generating revenue through it. We also know that General
Insurance contributes towards the Gross Domestic Profit, but now let us see how these companies individually
contribute towards the Gross Domestic Profit through the way of Market Share of each company both Private & Public.
As we can see in the Pie Charts a comparison of 3 consecutive years have been taken which are 2003-04, 2004-05 &
2005-06.Public Companies have been dominating the General Insurance Market since along time, the market share of
Private companies have been improving in the last few years by approximately 6 % each year, but then too Public sector
companies capturing the major market. But also in Public sector companies New India Assurance is been leading the way
which is been closely followed by the remaining. Among the private players wean note that ICICI Lombard is leading the
way. By considering 2005-06 as the base year, we can note that the market share of Public companies have been
deteriorating having 73.43% of the market share from85.54% in the year 2003-04.

GENERAL INSURANCE
With the opening up of the insurance industry to the private sector, the need for a strong, independent and autonomous
Insurance Regulatory Authority was felt. As the enacting of legislation would have taken time, the then Government
constituted through government resolution an Interim Insurance Regulatory Authority pending the enactment of a
comprehensive legislation. The Insurance Regulatory and Development Authority Act, 1999 is an act to provide forth
establishment of an Authority to protect the interests of holders of insurance policies, to regulate, promote and ensure
orderly growth of the insurance industry and for matters connected therewith or incidental thereto and further to
amend the Insurance Act, 1938,the Life Insurance Corporation Act, 1956 and the General insurance
Business(Nationalization) Act, 1972 to end the monopoly of the Life Insurance Corporation of India (for life insurance
business) and General Insurance Corporation and its subsidiaries(for general insurance business).Definition and
meaning:
1. INSURANCE:
Insurance is the means of managing risk and protection against financial loss arising as a result of contingencies, which
may or may not occur. In other words, insurance is the act of providing assurance, against a possible loss, by entering
into a contract, with one who is willing to give assurance. Through this contract the person willing to give assurance
binds himself to make good such loss, if itoccurs.12

2. GENERAL INSURANCE:
General insurance means managing risk against financial loss arising due to fire, marine or miscellaneous events as a
result of contingencies, which may or may not occur. General Insurance means to “Cover the risk of the financial loss
from any natural calamities viz. Flood, Fire, Earthquake, Burglary, etc.. i.e. the events which are beyond the control of
the owner of the goods for the things having insurable interest with the utmost good faith by declaring the facts about
the circumstances and the products by paying the stipulated sum , a premium and not having a motive of making profit
from the insurance contract.”Some of the General Rules:
1.Mis-description :The insurance policy shall be void and all the premiums paid by insured may be forfeited by the
insurance company in the event of miss-presentation or miss-declaration and/or non-disclosure of any material facts.
2.Reasonable care :The insured shall take all reasonable steps to safeguard the property insured against any loss or
damage. Insured shall exercise reasonable care that only competent employees are employed and shall take all
reasonable precautions to prevent all accidents and shall comply with all statuary or other regulations13
3.Fraud :If any claim under the policy may be in any respect fraudulent or if any fraudulent means or device is used by
the insured or any one acting on the insured’s behalf to obtain any benefit under the insurance policy, all the benefits
under the insurance policy may be forfeited.
4.Few basic principles of general insurance are :
1.Insurable interest
2.Utmost good faith
3.Subrogation
4.Contribution
5.Indemnity

5. Risks of loss not covered under general insurance are: The loss or damage or liability or expenses whether direct or
indirect occasion by happening through or arising from any consequences of war, invasion, act of foreign enemy,
hostilities (whether war be declared or not), civil war, rebellion revolution, civil commotion or loot or pillage in
connection therewith and loss or damage caused by depreciation or wear and tear. However the risk of loss or damage
by war can be insured by payment of additional premium in some cases only.
RELIANCE GENERAL INSURANCE
Company Overview
Reliance General Insurance Company Limited is known as a leading general insurance company in India. It offers a
multitude of insurance products in health insurance, motor insurance, home insurance and travel insurance. The
company has also launched India’s first over-the-counter health and home policies which guarantee complete
satisfaction and convenience for its customers. With 139 offices and over 12,000 intermediaries across the country,
Reliance General Insurance Co. enjoys its presence in every nook and corner of the country. The company provides its
customers an easy way to access its wide array of products through a 24x7 call centre and a website.
Reliance General Insurance Company Limited is an Indian insurance company, a part of Reliance Capital Ltd.
of the Reliance Anil Dhirubhai Ambani Group. The firm has with a private sector market share of about 8%.
The Gross Written Premium for the year ended March 31, 2014 was at ₹24.42 billion (US$360 million) with a
distribution network composed of over 125 branches and nearly 15,500 intermediaries.[23][24]
Reliance General
Insurance (RGI) offers insurance solutions for auto, health, home, property, travel, marine, commercial and
other speciality products.[25]
History
Reliance General was incorporated on 17 August 2000, and received the license to conduct the business of
insurance in India from the Insurance Regulatory Development Authority on 23rdOctober 2000.[26]
Unlike most
competitors, who have foreign partners, the firm is promoted solely by Reliance Capital, which is an Indian
company. However, media reports suggest Reliance Capital is on the lookout for an eligible partner who can
add value to Reliance General.[27]
Reliance Capital Chief Executive Officer Sam Ghosh in an interview to

Business Standard said may sell stake in its general insurance arm by end of December 2013.[28]
Reliance
Capital has already sold minor stakes in its life insurance and asset management business to Nippon Life of
Japan.[29][30]
Reliance General Insurance has been appreciated for its quality management system by international quality standards
auditing organization – Det Norske Veritas (DNV). It is India’s first insurance company to be given ISO 9001:2008
certification for offering end to end services of general insurance products on an all India basis. It is the first non-life
insurance company in India to work with a license from IRDA in 2000. Also, it was the only Indian company to win
prestigious award of “Risk Management-Services Provider” for 2013 at Global Risk Awards. It won “Quality Council of
India – D. L. Shah Quality Awards 2014 Commendation Award” for Financial Services.
Vision
“We want to score perfectly for world standard services & products, and want to be r first choice in domestic as
well as global markets” – Reliance General Insurance.
Mission
 Satisfy r need of insurance cover in that crucial hour
 Offer incomparable customer service
 Provide innovative products
 Better reach through presence across India and abroad
Goals
 Make affordable insurance accessible to all
 Keeping , our customers, as focal point in all our operations
 Protect policy holders’ interests
 Be the most innovative in product development
Products of Reliance General Insurance

1) Individual and Family oriented Policy Plans
Reliance Health Insurance Plans:
Reliance General Insurance Company is a trusted brand and has proved its worth in all business areas. It has
revolutionised the insurance sector by innovative health Insurance Plans products and exemplary customer
service..
Reliance HealthGain Insurance:
The Reliance HealthGain Policy is a perfect health insurance for unseen problems that one might face during
treatment. One can buy the medical insurance policy with a sum insured of Rs. 3 lakh at any age. Sum insured
options available are Rs. 3/6/9 lakh. Immediate and extended family members can be covered under an
individual policy. It offers lifelong renewal. Cashless hospitalisation is available in over 4000+ preferred
network hospitals across India.
Reliance HealthWise Insurance:
This Reliance General Insurance plan is an online insurance cover that seeks to cover hospitalisation and related
costs for the individual and the family comprising of r spouse and two children. It also covers home treatment,
day care treatment and same-day procedures that do not need an overnight stay. The policy offers sum insured
of Rs. 2-5 lakh in increments of Rs. 1 lakh. No medical checkups are required until the age of 45 years.
Reliance Critical Illness Insurance:
The Critical Illness Policy from Reliance covers costs associated with specific critical illnesses. It has an entry
age of 18 to 65 years, and lifelong renewability. Medical tests are exempt up to the age of 45 years. The sum
insured options are Rs. 5/7/10/15/20 lakh.
Reliance Car Insurance Plans:
Car insurance plans by Reliance General Insurance help to escape from expenses on r car or any other vehicle due to any
calamity and cover benefits of comprehensive motor insurance but also provide post accident assistance.
Reliance Two Wheeler Insurance Plan:

Ttwo-wheeler is the chariot that epitomizes freedom and two-wheeler insurance plans have been designed to set free.
These insurance plans from Reliance general Insurance offer hassle-free protection to two-wheeler against physical
damage, theft and third-party liability.
Reliance Travel Insurance Plans:
Travel Insurance Plan by Reliance General Insurance gives the benefit of travelling with confidence either abroad or in
India thereby ensuring a complete hassle free travel with peace of mind.
Reliance Overseas Travel Insurance
Reliance Travel Care Insurance Policy:
Reliance Travel Care Policy is a travel insurance policy to take care of emergencies when travelling overseas. It
covers expenses due to lost passport, loss of check-in baggage, missed flights, delayed or cancelled trips,
emergency medical expenses incurred by the insured or his/her family members due to sudden illness, injury or
death among other things. No medical check-up is required up until the age of 80 years. Cashless hospitalisation
is available all over the world. The policy involves no paperwork and is available at an affordable premium.
Reliance Student Travel Insurance:
This Reliance General Insurance policy is designed for students and covers the insured against emergencies and
contingencies that they may face abroad when pursuing further studies. Custom-made plans – Platinum, Gold,
Silver, Standard and Basic are available for students depending on their requirements and that of the university.
The policy offers comprehensive coverage through unique benefits like bail bond, study interruption, sponsor
protection, etc. No paperwork and affordable premium enable stress-free overseas education for the students. No
medical tests are required before the issue of the student health policy. Insurance claims are settled in a quick
and hassle-free manner.
Reliance Annual Multi-trip Travel Insurance Plan:
The Annual Multi-Trip Travel Insurance policy is a travel insurance plan offering coverage to frequent
international fliers for multiple trips in one year so that they don’t have to apply for insurance every time they
travel abroad. The policy provides coverage for trips which are as long as 365 days. The coverage includes pre-
existing ailments in case of life threatening situations. Cashless hospitalisation facilities are available all around
the world.

Reliance Senior Citizens Travel Insurance:
The Reliance Senior Citizen Travel Insurance policy has been specially designed for senior citizens, who are
between the ages of 61 and 80 years and are travelling abroad. It involves no medical check-ups until the age of
80 years and no paperwork. Moreover, the affordable premium makes travel less stressful. The policy covers
pre-existing ailments especially in case of life-threatening ailments and offers cashless hospitalisation all over
the world.
Reliance Home Insurance Plans:
The Reliance Home Insurance Plans give comprehensive cover for r home and its contents at a reasonable
premium and help to safeguard r home and its contents in case of an ill fated event.
Reliance Householders’ Package Policy:
Householders’ Package Policy secures the content of the home and also makes life easy by providing access to a
host of assistance services. It is a home insurance policy that safeguards everything under the roof. This
Reliance General Insurance policy not only covers the home but also protects the family against unforeseen
accidents. It covers the home and its contents like furniture, fixtures etc. Mechanical, electrical appliances and
electronic gadgets are also covered. Protection against earthquake, burglary, fire or even terrorism related losses
is provided.
Reliance Personal Accident Insurance:
Despite taking all precautionary measures, accidents do occur. This may lead to disablement or sometimes
sudden death. To combat this problem, Reliance General Insurance have devised personal accident plans which
provide compensation in case the insured sustains injuries, solely caused due to an accident, resulting in death,
or permanent or temporary disablement.
Reliance Corporate Insurance:
Reliance General Insurance Company offers a variety of plans for the corporate sector.
 Fire Insurance
 Engineering Insurance
 Marine Insurance
 Liability Insurance
 Package Insurance

Reliance SME Insurance:
Reliance General Insurance offers policies to safeguard the interests of small and medium enterprises.
 Burglary & Housebreaking
 Fire Insurance
 Package Insurance
 Marine Insurance
 Group Mediclaim Insurance
It is advisable to compare all Reliance General insurance plans with plans from other general insurance
companies in India to choose the best insurance plan that suits the most.
2) Small and Medium Industry Policy plans :
Reliance Industry Care Package Features
It’s always wise to get r business insured. Rather than losing heavily due to the risks that r enterprise is exposed
to, it’s better to be prepared in advance. The Reliance Industry Care package is a perfect insurance policy that
gives ample cover and the liberty to select the type of cover that require for r business.
Key Benefits:
 Facilitates cover for various risks through a single document
 Extensive coverage of different risks
 Choice of selecting the type of cover that want
 Available for small and medium size industries
 Sum insured upto Rs 100 crores on a single location
 Easy documentation for r convenience
Reliance Industry Care Package Policy Coverage
This policy covers business against:
- Fire
- Lightning
- Explosion/implosion
- Aircraft damage
- Riot, strike, and malicious damage

- Storm, cyclone, typhoon, tempest, hurricane, tornado, flood, and inundation
- Impact damage
- Subsidence and land-slide including rock-slide
- Bursting and/or overflowing of water tanks, apparatus, and pipes
- Missile testing operations
- Leakage from automatic sprinkler installation- Bush fire
- Earthquake (fire and shock)
Reliance Industry Care Package Exclusions
The policy does not cover:
 Loss or damage due to war and nuclear perils
 Loss or damage due to wear and tear and gradually-developing flaws
 Consequential loss of any kind
 Excess as specified
 Loss without substantiation or mysterious disappearance
FIRE INSURANCE POLICIES
Reliance Standard Fire and Special Perils Policy Features
Large corporate, which have a multi-location, multi-business presence, need to protect their operations.
Insurance is an essential tool to protect self against losses that could devastate r business. The Reliance Standard
Fire and Special Perils Policy offers the corporate, coverage against Industrial/manufacturing risks like fire,
lightening, explosions and also covers property located outside the compound of Industrial/ Manufacturing
risks. The policy offers a combination of standard and optional features so that they can choose the cover that’s
most appropriate.
Key Benefits:
 Comprehensive coverage to r property
 can enhance the cover with a wide range of add-ons
 Allows selection of the options relevant to
 Options like Floater Policy, Declaration Policy and Floater Declaration Policy available
 Attractive discounts on long term policies for “dwellings”
 Discounts available if delete the covers that do not need
 Discounts for favorable claims experience

 Discounts for risk improvement measures like installation of fire extinguishing appliances
Reliance Standard Fire and Special Perils Policy Coverage
Property that can be covered under this policy includes:
 Industrial/manufacturing risks
 Property located outside the compounds of industrial/manufatcuring risks, namely
o Dwellings, offices, hotels, shops, etc.
o Utilities
o Storage risks
o Tank farms/gas holders
The Reliance Standard Fire and Special Perils Policy covers the following risks:
 Fire
 Lightning
 Explosion / implosion
 Aircraft damage
 Riot, strike and malicious damage
 Storm, cyclone, typhoon, tempest, hurricane, tornado, flood and inundation
 Impact damage
 Subsidence and landslide including rockslide - demolition, construction, structural alterations, or repair of any
property, or ground works, or excavations
 Bursting and/or overflowing of water tanks, apparatus and pipes
 Missile testing operations
 Leakage from automatic sprinkler installations excluding loss, destruction or damage
 Bush fire
 Architects, surveyors and consulting engineers fees up to three per cent of claim amount
 Debris removal up to one per cent of claim amount.
Reliance Standard Fire and Special Perils Policy Exclusions:
The following risks are not covered in this Policy:
 War and nuclear perils
 Pollution and contamination
 Consequential loss
 Volcanic eruption or other convulsions of nature

 Theft during or after the occurrence of any insured peril.
ENGINEERING INSURANCE
Reliance Contractors All Risk Insurance Policy Features
Construction businesses are laden with variety of risks that can take a heavy toll on finances and also halt
projects. The Reliance Contractors All Risks Insurance Policy helps avert the huge financial losses that the
contractors suffer under such circumstances.
Key Benefits:
 Comprehensive, continuous cover for any eventuality during construction period
 Various options available for the insured to choose specific additional coverage such as removal of debris,
express freight, covering insured's surrounding property, third party liability, etc.
 Flexibility for the insured to assign limits for the amount of additional coverage
Reliance Contractors All Risk Insurance Policy Coverage
Provides cover to civil engineering projects:
 Where the value of civil works is more than 50 per cent of the total contract value
 During storage, erection/construction, up to completion and handing over of the works to the principal.
MARINE INSURANCE
Reliance Marine Cargo Insurance Policy Features
Today, new trade agreements are expanding the realms of business operations to many new countries and more
goods are being shipped around the world. Risk of loss or damage to r goods is high when it’s in transit. It’s
vital to for to have marine insurance to protect r business from the likelihood of such financial loss. The
Reliance Marine Cargo Insurance is a comprehensive package, designed to cover all losses or damage to goods
being shipped.
Key Benefits:
 Cover for loss or damage to cargo in transit

 Policy extendable to cover war and strikes perils
 Three variants to choose from (Specific Policy, Open Policy and Open Cover)
 Worldwide claims survey and settlement assistance
 Network of surveyors all over the country
 Customized and innovative covers based on r needs
 Extensions for multi-transit, incidental storage, FOB, riot and strikes perils etc.
 Discounts for voluntary higher excess, lesser distance etc.
Reliance Marine Cargo Insurance Policy Coverage
The Reliance Marine Cargo Policy covers loss or damage to cargo in transit by:
 Land: Road or railway
 Waterways: Ships, inclusive of every description of vessel used in navigation
 Air: Aircraft used for the transport of cargo, among others
 Government or private postal services
The coverage provided under these policies ranges from a restricted form of cover, e.g. Fire and Lightning perils
only, to the widest available form of cover, namely, All Risks, at the option of the insured. The different types
of polices are:
Specific Policy: Covers those specified risks under marine cargo sent or received during the policy period.
Open Policy: Provides automatic and continuous insurance protection to all shipments sent/ received during the
policy period.
Open Cover: Similar to Open Policy, this variant covers loss or damage to cargo where a specific stamped
certificate is issued for the declaration made.
LIABILITY INSURANCE
Reliance Directors’ and Officers’ Liability Policy Features
Directors and officers of companies are accountable to all stakeholders of the company, including the
shareholders, the employees, and the general public. One wrong move by them can result in legal hassles. The
possible consequences of various allegations such as above may lead to either civil or criminal action being
brought against directors and officers. The Reliance Directors and Officers’ Liability Insurance Policy provides
cover against different civil and criminal actions that directors and officers might be exposed to.

Key Benefits:
 Cover against legal risks that directors and officers might be exposed to
 Liabilities arising out of directorship in subsidiary companies covered
 Outside directorship can also be covered
 Extension available to cover crisis communication
 Court attendance costs and pollution defense costs are also available as extensions
 Fines and penalties can also be covered
Reliance Directors’ and Officers’ Liability Policy Coverage
Coverage applies only to claims made against the insured during the period of insurance, irrespective of when
the wrongful act occurred.
The Policy offers three covers:
For the Directors and Officers: Pays on the behalf of the directors and officers all loss arising out of a claim
for wrongful act for which coverage applies under this Policy and for which the Directors and Officers are not
entitled to indemnification from the Company.
PACKAGE INSURANCE
Reliance Office Package Policy Features
Office which is the place of r professional success has been built with much of r time and money. However, it is
constantly exposed to many risks; and an unfortunate mishap could disrupt business routines, leading to serious
financial issues. Safeguard office against perils with the Reliance Office Package Policy can choose the risks
and the extent of cover required.
Key Benefits:
 Single policy to enhance convenience
 Designed to meet the requirement of r office
 Judicial management of loss assessment
 Fund allocation based on clear indemnity guidelines
 Option to customize the policy from a list of 12 specific covers
 Terrorism cover available with additional premium

Reliance Office Package Policy Coverage
The policy covers r business against:
Fire and Allied Perils
 Covers the office building and contents against perils such as
 Fire, earthquake, storm
 Lightning, floods, explosions
 Impact damage, earthquake etc
Burglary and Housebreaking
 Cover for burglary, housebreaking, theft and larceny of office contents
Machinery Breakdown
 Cover for electrical/mechanical breakdown of equipment/appliances
Electronic Equipment and Appliances
 Provides all risk cover for electronic appliances such as medical equipment
 Cover for loss of electronic installations, data carrying materials and software
Money Insurance
 Covers loss of money against accident and misfortune while in:
o Transit from the business premises to bank and vice versa.
o A safe at the business premises.
o A till at the business premises.
Baggage
 Compensates for loss of baggage of specified employees while traveling for official purposes
Fixed Plate Glass and Sanitary Fittings
 Covers loss or damage to fixed plate glass due to accidental damage
 Sanitary fittings also covered
Neon Sign/Glow Sign/Hoarding

 Cover to office publicity tools such as neon signs and hoardings against all risks
Personal Accident
 Compensation for accidental death or bodily injury
 Provides the option of medical extension
Infidelity/Dishonesty of employees
 Covers loss or damage caused by dishonest acts of employees
Legal Liability - To employees
 Compensation for accidents arising out of and in the course of employment
Legal Liability - To Third parties
 Provides cover for legal liability to third parties
Additional Rent for Alternative Accommodation
 Pays additional rent while moving business to new premises, if existing premises were destroyed due to fire and
allied perils
Reliance Office Package Policy Exclusions
BURGLARY AND HOUSEBREAKING INSURANCE
Reliance Burglary and Housebreaking Insurance Policy Features
Creating assets takes years of hard work, but one theft can leave crippled financially. The Reliance Burglary and
Housebreaking Insurance Policy keeps r property safe and gives the peace of mind that deserve.
Key Benefits:
 Insurance for burglary and housebreaking at r business premises.
 Cover available on a first loss basis by way of judicious management of probable maximum loss assessment.
 Policy can be extended to cover riot, strike, malicious damage, and theft.
 Several variations such as floater policy, declaration policy, and floater declaration policy available.

Reliance Burglary and Housebreaking Insurance Policy Coverage
 Property such as stocks and furniture owned by the insured in the business premise is covered.
 Stocks held in trust/ commission and for which the insured is responsible, if specifically covered.
 Damage to premises resulting from burglary, and/or housebreaking or any attempt at burglary is covered.
 Cash, jewelry, valuables, and securities kept in a locked safe or cash box in a locked steel cupboard, if specifically
covered
Group Mediclaim Insurance Policy
Reliance Group Mediclaim Insurance Policy Features
Employees are r key business strength and their good health will reflect on the profitability of r business. To
ensure smooth and profitable business operations, enterprises offer their employees access to timely medical
care. The Reliance Group Mediclaim Insurance Policy not only provides medical coverage for r employees, but
also gives tax benefits.
Key benefits of our group health insurance policy
 Lowers the employee turnover
 Discount in renewal premium for claim-free experience with family members
 Lower premium costs
 Customized group mediclaim policy
 Cover for all members
 Cashless claims across network hospitals
 Tax benefits
 Regular health check-ups
 Day care procedures covered
Reliance Group Mediclaim Insurance Policy Coverage
 Room charges and operation theatre charges
 Fees of medical practitioner, anesthetist, and consultants
 Nursing expenses
Medicine, Consumables, and Diagnostic Expenses covered include:
 Cost of medicines and drugs
 Anesthesia, blood, and oxygen administration expenses

 Cost of surgical appliances, pacemaker, and radiotherapy
 Expenses towards diagnostic material and X-rays, dialysis, and chemotherapy
 Cost of artificial limbs and organs
Domiciliary Hospitalization
Cover for treatment administered at home, subject to –
 Medical condition restricting the patient from being shifted to hospital
 Lack of accommodation in any hospital/nursing home
Day Care Treatment
 Coverage for treatment that does not need hospitalization for 24 hours or more
Pre and Post-Hospitalization
 Medical expenses for a specified number of days covered
Value Added Benefits:
The group health insurance policy offers many more benefits:
 Family floater clause can be added for ensuring r employee’s peace of mind
 Option of day-one cover for maternity, pre-existing illness and for children, without a waiting period for the
cover to commence

SBI GENERAL INSURANCE
SBI General Insurance Company Limited is a joint venture between the State Bank of India and Insurance Australia Group
(IAG). SBI has a 74% stake in the company while the remaining 26% is held by IAG. Headquartered in Mumbai, the
company is active in 56 cities across India and is a player in 350+ other locations through satellite resources. State Bank
is a government-owned corporation with its headquarters in Mumbai, Maharashtra. Along with its seven associate
banks, it has over 18,500 branches across the country. Insurance Australia Group Limited (IAG) is an international
general insurance group, with operations in Australia, New Zealand, the United Kingdom and Asia. Its businesses endorse
over $11 billion of premium per annum, selling insurance under many leading brands. Bhaskar Jyoti Sarma is the CEO
and Managing Director of SBI General Insurance. SBI General Insurance has a team of highly experienced professionals in
place to ensure that the company functions in sync with its vision and goals. SBI General closed the financial year 2013-
14 with a Gross Written Premium of Rs.1188 crore, registering a growth of 54% in its 4th year of operations. SBI General
offers a wide range of insurance products to suit the different individual needs and preferences of the customers.
SBI General Insurance Company Limited is a joint venture between the State Bank of India and Insurance
Australia Group (IAG). SBI owns 74% of the total capital and IAG the remaining 26%. SBI General closed the
financial year 2014-15 (5th year of operation) with a Gross Written Premium of Rs.1606 crores (including RI
accepted and decline pool of Rs. 30 crores) and Gross Direct Premium of Rs. 1577 crores, registering a growth
of 33%. As of end of March 2015, the Company’s geographical coverage extends to 77 cities pan India with
2246 employees. SBI General has established its presence in 17,274 branches of State Bank of India and also
licensed 10 Regional Rural Banks in FY 2014-15. The Company follows a robust multi-distribution model
encompassing Bancassurance, Agency, Broking & Retail Direct Channels. Today, SBI General’s Distribution
family includes over 14,178 IRDA certified SBI & its Associate Bank employees and over 6323 Agents.
The current policy offering of SBI General covers Motor, Health, Personal Accident, Travel & Home Insurance
for Individuals and Fire, Marine, Package, Construction & Engineering, Liability, Group Health, Group
Personal Accident & Miscellaneous Insurance for Businesses.
State Bank of India enjoys the largest banking franchise in India. State Bank of India is country's largest & a premier
commercial Bank in terms of balance sheet, profits, assets, deposits, branches and employees. Along with its 5 Associate

Banks, SBI Group has the unrivalled strength of over 19,600 branches across the country, arguably one of the largest in
the world.
Vision
Be the most trusted general insurer in India with fair and transparent business practices, leading the Nation's
effort in increasing insurance penetration
PRODUCTS OF SBI GENERAL INSURANCE
There are Three types of categories of general insurance offered by SBI General Insurance: -
1. Individual
2. Business
3. Rural
Individual based general insurance policies are :
1. Motor Insurance
Long Term Two Wheeler Insurance Policy
This Policy is designed to cover the compulsory Third Party Liability as required by Motor Vehicles Act,
together with loss or damage to the Vehicle itself for a period of Two years and Three years as opted.
Key Feature
 No hassle of annual renewals.
 Long term policy for 2 or 3 years with discounted premium
 In case of a Total Loss/ Combined Total Loss/ Theft claim of r two wheeler in the policy, during the first or second
year, can avail a refund on pro- rate basis on the unexpired period.
 No effect of change in Third Party Liability Premium during the policy period
 No effect of change in Service Tax during the policy period
Coverage
 Loss or damage to the vehicle:
 No Claim Bonus available up to 50%
 Voluntary Deductible available up to 25% on the OD Premium, subject to maximum of Rs. 750
 Discount for Anti theft devices up to 2.5% on the OD Premium subject to maximum of Rs.1000 and Rs. 1500 for
policies having tenure as 2 years and 3 years respectively

 Automobile Association Membership Discount of 5% on OD premium subject to maximum of Rs. 100 and Rs. 150
for policies having a tenure of 2 years and 3 years respectively.
Motor Private Car Insurance
Key Feature
 This Policy is designed to cover the compulsory Third Party Liability as required by Motor Vehicles Act, together
with loss or damage to the Vehicle itself. The Policy also provides cover for:
 Personal Accident
 For an additional Premium, provides the following
 Additional Legal Liabilities towards Paid Driver and employee
 Bi-fuel Kit
 Nil Depreciation
 NCB Protection
 Return to Invoice
 Cover for Key Replacement
 Loss of Personal Belongings
Coverage
with loss or damage to the Vehicle itself.
 Third party liability: Protects against any legal liability arising out of the use of the vehicle, towards third parties
arising on bodily injury to / on death of a person and any damage caused to third party property.
 Loss or damage to the vehicle
Travel Insurance
Travel Insurance (Business & Holiday)
Key Feature
 Medical cover upto USD 0.5 million
 No medical examination
 Comprehensive coverage
 Worldwide protection & round the clock assistance
 Fair, transparent & quick cashless claim settlement

Coverage
Section Coverages Benefits (in US $) Deductible
A
Medical Expenses including Evacuation
& Repatriation
50,000 to 5,00,000 US $ 100
A-i Personal Accident
10% of Limit of cover under Section (A)
subject to maximum 25,000
Nil
A-ii
Travel Support
1. Loss of Passport
2000 on
Floater basis
5% of claim amount
2. Golfer’s Hole-In-One 5% of claim amount
3. Home Burglary Insurance 5% of claim amount
4. Loss of Checked Baggage 5% of claim amount
5.Trip Cancellation 5% of claim amount
6.Trip Curtailment 5% of claim amount
7.Missed Connection 5% of claim amount
8.Delay of Checked Baggage (Baggage
delay
First 12 hrs
payment at the rate of US $ 200 per 12
hrs)
9. Hijack Cover (Hijack Cover at the rate
of US $ 200 per 24 hrs)
First 24 Hrs
10. Trip Delay (Trip Delay at the rate of
US $ 200 per 12 hrs)
First 12 hrs
11. Hospitalisation Daily Allowance First one day

(cash at the rate of US $ 50 per day)
12. Bail Bond Not Applicable
13. Emergency Cash Advance Not Applicable
B
Personal
Liability
50% of the Limit of cover under Section ( A )
or 2,00,000, whichever is lower.
Personal Accident Insurance
Individual Personal Accident Insurance Policy
Key Feature
 Policy for self employed, salaried and business class people
 Add-on Covers available including Hospital Confinement Allowance and Ambulance charges
 Permanent Total Disability (PTD) benefit comes with add-ons like Education Benefit & Adaptation Allowance at
no additional cost
 Cumulative Bonus available
 Policy covers - Loss of life due to accident, Disabilities due to accident and Income loss due to accident
HOME INSURNACE
Long Term Home Insurance
Key Feature
Protect it with SBI General's Long Term Home Insurance Policy. spend lifetime in dreaming about a home of r own.
take the help of financial institutions to fulfil dream. Along with the pleasure of fulfilling r dream come the liability
and the responsibility of paying for the same over the next few years. At SBI General, we make things easy for to
protect r dream home. With SBI General's Long Term Home Insurance Policy can truly enjoy the home have just
acquired
Coverage
 SBI General's Long term Home Insurance Policy is designed for covering loss or damage caused to the building
used as residential homes due to fire and special perils. Covers destruction of or loss/ damage to the insured
property by any of the following perils :
 Fire

 Lightning
 Explosion / Implosion (excluding boilers , economizers, pressure vessels)
 Aircraft Damage
 Riot, Strike and Malicious Damage
 Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood and Inundation
 Impact Damage
 Subsidence and Landslide including Rockslide
 Bursting and/ or Overflowing of water tanks, apparatus and pipes
HEALTH INSURANCE
Arogya Top up Policy
Key Feature
 No pre-policy medical test up to the age of 55 years for people with no medical history.
 142 Day Care expenses covered.
 Coverage of 60 days for Pre Hospitalisation & 90 days Hospitalisation.
 Maternity Expenses covered after first 9 months waiting period.
 Covers organ donor expenses.
 Reinstatement of Sum Insured on payment of additional premium.
 Wide coverage – From INR 1,00,000 up to INR 50,00,000 with deductible option of INR 1,00,000 to INR
10,00,000.
Coverage
This Health Insurance policy covers the following subject to the terms and conditions:
 Eligible hospitalisation expenses as under:
o Room rent, boarding expenses
o Medical practitioners fees
o Intensive care unit
o Nursing expenses
 Pre-hospitalisation expenses up to 60 days for each of the admitted hospitalisation claim under the Policy.
 Post-hospitalisation expenses up to 90 days for each of the admitted hospitalisation claim under the Policy.
 Day Care expenses cover up to 142 Day Care Procedures.
 Ambulance expenses up to INR 5,000 per valid hospitalisation claim event.

Arogya Premier Policy
Key Feature
 Coverage of 60 days for Pre Hospitalisation & 90 days for Post Hospitalisation expenses.
 Covers ambulance charges including air ambulance up to INR 1,00,000.
 Maternity Expenses covered after first 9 months waiting period
Coverage
This Health Insurance policy covers the following subject to the terms and conditions:
 Eligible hospitalisation expenses as under:
o Room rent, boarding expenses
o Medical practitioners fees
o Intensive care unit
o Nursing expenses
o Diagnostic procedures
o Dressing, ordinary splints and plaster castsArogya Plus Policy
Key Feature
 Multiple coverage options - Individual & Family Floater options.
 OPD expenses as specified in the policy schedule.
 Coverage of Pre and Post Hospitalisation Expenses - 60 days before and 90 days after the
hospitalisation. Hospital Daily Cash
Key Feature
 Dailycash benefit of up to Rs.2,000 per day of hospitalisation
 Daily cash benefit of up to Rs.4,000 per day of ICU hospitalisation
 Daily cash benefit of up to Rs.4,000 per day of accidental hospitalisation
 Fixed sum of up to Rs.5000 to take care of Convalescence expenses
 Age of entry: 18 to 65 years. Children from the age of 3 months are covered provided both the parents are also
concurrently covered.

Critical illness Insurance Policy
Key Feature
 Coverage against 13 most critical Illnesses
 Maximum age of entry is 65 years
 The premium paid is exempt from Income Tax under Sec 80 D of Income Tax act
The Policy provides for Insurance cover against 13 Critical Illnesses. The Insurance benefit is payable, only if the Insured
is alive for a period of more than or equal to 28 days from the date of the first diagnosis of the illness/medical event or
undergoing illness related surgical procedure for the first time.
Sr.
No.
Critical Illness
Survival
Period
Minimum Assessment
Period
1 Cancer 28 days 28 days
2 Kidney Failure (End Stage Renal Failure) 28 days 28 days
3 Primary Pulmonary Arterial Hypertension 28 days 28 days
4 Multiple Sclerosis 28 days 28 days
5 Major Organ Transplant 28 days 180 days
6
Coronary artery by-pass grafts (with surgery to divide the
breastbone)
28 days 28 days
7 Aorta Graft Surgery 28 days 28 days
8 Heart Valve Surgery 28 days 28 days
9 Stroke 28 days 90 days
10 Myocardial Infarction (First Heart Attack) 28 days 28 days
11 Coma 28 days 30 days
12 Total Blindness 28 days 28 days
13 Paralysis 28 days 90 days

Only one Critical Illness claim can be allowed by us during the lifetime of the Insured. The Critical Illness policy
terminates immediately on the payment of first Critical Illness benefit under the policy.
2. BUSINESS INSURANCE
Health Insurance - Personal Accident cover
Key Feature
SBI General’s Group Personal Accident Insurance Policy covers:
 Loss of Life due to Accident
 The Group Personal Accident Insurance Policy can be bought by any permanent Indian resident having Savings
Bank Account/Individual Current Account holders, if opted with State Bank of India or any of its associate banks
and aged between 18 years to 65 Years .
Group Health Insurance
r greatest wealth is r health & everybody has differing levels of control over their own wellbeing. Life follows
no fixed pattern and sudden illness or bodily injury can sometimes leave financially hurt and highly stressed.
SBI General's Group Health Insurance Policy helps to be in control by protecting and making medical treatment
expenses more manageable thus ensuring quality health care for and r family.
Key Feature
This policy covers the following benefits:
 Room, Board & Nursing Charges 1% of sum insured max Rs.1500/- per day for Normal Room & of sum insured
max Rs.2500/- per day for ICU.
 Medical Practitioner and Specialists Fees.
Group Health Insurance
Greatest wealth is r health & everybody has differing levels of control over their own wellbeing. Life follows no
fixed pattern and sudden illness or bodily injury can sometimes leave financially hurt and highly stressed. SBI
General's Group Health Insurance Policy helps to be in control by protecting and making medical treatment
expenses more manageable thus ensuring quality health care for and r family.

Key Feature
This policy covers the following benefits:
 Room, Board & Nursing Charges 1% of sum insured max Rs.1500/- per day for Normal Room & of sum insured
max Rs.2500/- per day for ICU.
 Medical Practitioner and Specialists Fees.
Coverage
We will pay charges associated with the following additional covers subject to additional premium paid by Insured to us
and conditions as applicable:
 Ambulance charges, Maternity Cover with Nine months waiting period and without 9 months waiting period.
 Infant Covered from day one, Family Floater Cover.
 Pre-existing Disease coverage from Day One.
Miscellaneous
Burglary Insurance
Key Feature
 Sum insured limits applicable to property types
 Theft cover following forcible entry to premises
 Also includes as standard cover - theft consequent upon threat of immediate violence or violent intimidation.
Plate Glass Insurance
Key Feature
 The Policy covers accidental breakage of Plate Glass
 The policy is for the benefit of business establishments, showrooms, shopping complexes, star hotels,
theatres, stadia, residences etc
Coverage
 This Policy indemnifies the Insured in respect of:.
 any Accidental loss of or damage caused to Plate Glass at the Insured Premises occurring during the Policy
Period, and cost of erecting any temporary boarding necessitated by such loss or damage to Plate Glass.

Corporate Insurance
Construction / Engineering Insurance
Machinery Breakdown Policy
Key Feature
Generally, the Machinery Breakdown Policy does not cover the financial loss suffered due to interruption of
business operations whilst the damaged Machinery is being repaired or replaced. This policy offers a solution by
covering profit lost due to reduction in turnover arising from interruption of business following damage to the
Machinery insured. This policy can be taken only in conjunction with Machinery Breakdown Policy and would
trigger only if the loss is admissible under Machinery Breakdown Policy.
Coverage
 The scope and purpose of consequential loss insurance is:
 To make good the loss of net profit due to stoppage of business as a result of an insured peril.
 To pay the standing charges which continue to accrue in spite of stoppage of business
Boiler & Pressure Plant Insurance
Key Feature
 Protects the Boilers and other Pressure Plants against the risk of any damage to it
 Protects the surrounding property
 Covers against the accidental death or injury
 Specific expenses incurred due to loss or damage to the insured items.
Coverage
 The Policy covers the insured Boiler and other Pressure Plants against the following risks:
Erection All Risks Insurance
Key Feature
 This Policy offers comprehensive insurance for erection projects and provides cover during Storage, Erection and
Testing of property at the insured site
 The Policy is provided for the entire period of the project rather than on an annual basis

Coverage
 There are two Sections in the Policy.
 Section I - provides coverage for the property lost, damaged or destroyed by any cause, other than those
specifically excluded in the Policy, necessitating replacement or repair. The Company will pay or make good all
such loss or damage up to an amount not exceeding the sum specified in respect of each of the items and not
exceeding in the whole the total Sum Insured specified.
 Section II - provides coverage towards: a) legal liability for accidental loss or damage caused to property of other
persons b) legal liability for fatal or non-fatal injury to any persons other than the Insured's own employees or
workmen or employees of the owner of the works or premises due to construction of any property.
Contractors All Risk Insurance
Key Feature
This Policy offers comprehensive insurance cover for civil engineering projects where the value of civil works is more
than 50% of the total contract value The cover operates during storage, erection/construction till completion and the
handing over of the works to the principal amount.
Coverage
 There are two Sections in the Policy.
 Section I - It provides coverage for the property lost, damaged or destroyed by any cause, other than those
specifically excluded in the Policy, necessitating replacement or repair. The Policy will pay or make good all such
loss or damage up to an amount not exceeding the sum specified in respect of each of the items and not
exceeding in the whole the Total Sum Insured.
 Section II - provides coverage towards: a)legal liability for accidental loss or damage caused to property of other
persons b) legal liability for fatal or non-fatal injury to any persons other than the Insured's own employees or
workmen or employees of the owner of the works or premises due to construction of any property.
 Construction Machinery Plants And Equipments
Electronic Equipment Insurance
Key Feature
 This Policy is designed for covering electronic equipment like Computers, Medical, Biomedical Equipments,
Audio Visual Equipments etc on All Risks Basis.
 The policy also considers coverage to related Systems Software on Computer / EDP systems.

Coverage
 The Policy is divided into three sections - Material Damage (Equipment), External Data Media and Increased cost
of working.
 Section I - Material Damage: The policy pays for physical loss or damage caused to the equipments covered
under the policy, necessitating repair or replacement, due to any cause, other than those specifically excluded
under the Policy.
 Section II - External Data Media: If the external data media and the information stored in such media, which can
be directly processed in EDP systems suffers any material damage due to the peril covered under Section 1 of
this Policy, the Company will indemnify the Insured for such loss or damage. This cover is applicable while the
insured data media are kept on the Premises. Coverage against restoration of data under this Section will be
granted only if backup system is available.
 Section III - Increased Cost of Working: The Company will indemnify the Insured for all additional costs which the
Insured incurs to ensure continued data processing on substitute equipment if such costs arise as an
unavoidable consequence of an indemnifiable loss or damage to property insured under the Section I of this
Policy.
PACKAGE INSURANCE
Business Package Insurance
Business is the symbol of r achievement and fructification of r dream. In spite of best efforts, sometimes
accidents do occur resulting in huge financial loss and upset r dream. With SBI General can be in control and
safe guard dream.

Key Feature
SBI General fully understands growing businesses like rs need the flexibility. Hence we allow the customers to
select the combination of Sections under which they would like to cover the risks. We also provide the
flexibility for to choose the basis of indemnity depending on the sections selected
 Package policy containing seven sections
 Insured have the option to choose any of these 7 sections - only Section I (Fire and Allied Perils ) is compulsory
 Time spent in Procedural requirements and easy for administration
Coverage
 This Policy, being a Package Policy contains seven covers packaged in a single policy form.
 Section I - Fire and Allied Perils (Compulsory Section) - It covers building/s, plant and machinery, furniture,
fixtures and fittings, electrical installations and stock and stock-in-trade against fire and allied perils.
 Section II - Business Interruption (Optional Section) - It covers loss due to interruption or interference with the
business carried on by the insured at the premises specified and covered under Section I, in consequence of loss,
destruction or damage indemnifiable under Section I.
Industrial All Risks Insurance
Key Feature
 All risks cover - broad coverage to the customer
 Two-part (sectionalised) policy, removing the need for separate policies to be taken by the customer
 Basis of valuation (other than stock ) is on Reinstatement Value basis
Coverage
 The coverage is on all risk basis subject to specific exclusions
 There are two Sections in the Policy : Section I - Material Damage and Section II - Business Interruption
 Omission to insure additions, alterations & extensions clause
 Temporary removal of stocks clause
MARINE INSURNACE

Marine Cargo Insurance
Key Feature
We are living in a world of Boundryless Business. As continue to expand the business horizon, are also increasingly
exposed to the risks that are associated with transit of goods. r biggest challenge is to put in place a suitable Risk
Management, so that can confidently move ahead fulfilling r dream of expanding r business horizon. SBI General
Insurance can help to successfully overcome these situations and put firmly in control. With SBI General's Marine Cargo
Insurance Policy can safeguard self from risks associated with transit of good.
Coverage
 The Policy covers any accidental loss or damage to the cargo described in the Policy schedule whilst in
transit by perils named in institute clauses
 Type of Coverage under marine cargo insurance is determined by the mode of transport and
requirements of customers as given below:
 Transit by Sea / Inland Waterways / Coastal Waters.
 Transit by Rail / Road - Coverage provided for inland transit of goods is classified in to three categories:
 All Risk - Inland Transit (Rail / Road) Clause A
 Basic Cover - Inland Transit (Rail / Road) Clause B
 Fire and Lightning - Inland Transit (Rail / Road) Clause C
FIRE INSURANCE
Consequential Loss (Fire) Insurance
Key Feature
 The scope and purpose of consequential loss insurance is therefore:
 To make good the loss of net profit that results from a stoppage of business following loss or damage to
r insured property.
 To pay the standing charges which continue to accrue in spite of stoppage of business.
Coverage
 Further, on payment of additional premium, the following coverages can be selected:
 Supplier's extension
 Customer extension
 Spoilage Risk extension

Standard Fire and Special Perils Insurances
Key Feature
 Indemnity on market value basis - Replacement value less depreciation for the usage
 Optional benefit - Replacement Value or Reinstatement Value basis
 Multiple options - Stocks on Declaration basis or floater basis or Floater Declaration Basis
 Following are the unique features of this policy:
Coverage
 This Policy covers various assets like Building, Plant and Machinery, Stock, Furniture, Fixtures and other
immovable and movable assets against loss or damage due to,
 Fire
 Lightning
 Explosion / Implosion
 Impact Damage by insured's own vehicles etc.
 Spontaneous combustion
 Omission to insure Additions, Alterations or Extensions
 Earthquake (Fire and Shock)
 Alternative Accommodation

Case Study
26/7/2005 – Mumbai under water
Mumbai will never be the same again. And so will the insurance sector in Mumbai after the 26/7 floods. Torrential rains
which killed thousands and rendered many homeless, also led to loss of business and vehicles.
The facts:
As fallout of the torrential rains, the non-life insurance sector was flooded with more than10000 claims totaling over Rs.
2000 cores. However, these did not include the 50000cars that have been damaged in Maharashtra. While the top four
private sector general insurance companies, ICICI Lombard General Insurance, Bajaj Allianz General Insurance, Nifco
Tokyo General Insurance and Tata Agave together received claims worth over Rs 1,000 core; the four state-owned
general insurance companies New India Insurance, Oriental Insurance, United Insurance and National Insurance received
claims close to Rs 1,500 crore.Private insurer, Bajaj Allianz General Insurance Company Ltd (BAGICL) alone had received
claims for at least 10,000 motor vehicles after the recent floods in Mumbai. As several companies temporarily closed
down their operations and go down stocks went missing, corporate claims were the highest, in terms of value. Next
came claims for cars and household goods and from shopkeepers and traders for their warehouses. A majority of
individuals and small and medium entrepreneurs also submitted claims.ONGC's insurance claim is considered to be the
largest given its loss of $ 500 million after fire gutted the Bombay High rig. Insurance firms set up special cells to visit
victims and settle claims. In many firms, the special teams worked round-the-clock to take stock of the loss and speed up
the settlement process. Bajaj Allianz settled claims worth about Rs 200 core without any documentation, to the victims
of the recent floods in Mumbai. After the natural calamity, the Finance Minister sought speedy redressed of claims. He
directed the Chairmen and Managing Directors of the four public sector general insurance companies that claims below
Rs 50,000, arising out of the recent floods in Maharashtra and Gujarat, should be settled by August 31.Public sector
player, National Insurance Company received 3,000 claims for Rs 350 crorefrom its customers in Mumbai for damage to
property caused by the recent rains. While some insurers had taken a re-insurance cover, some have not. Mumbai floods
brought to fore the ill-preparedness both among the mega polis administrative official sand the insurance sector. While
the latter seems to have realized the damages, the former is still grappling with the situation. As death toll continues to
rise, insurance firms have realized the need to better manage natural calamities. The premium for flood covers may rise
in coming years.
Theeffect:

Here’s a warning to the laths of Mumbaikars who are planning to insure their houses in the wake of the recent deluge.
One will have to read the fine print carefully. Public sector insurance firms are quietly planning to drop the word ‘flood’
from the policy. As of now, a household insurance policy is basically a fire insurance policy, which also incorporates a
flood insurance policy. However, with 10,000 policy-holders filing claimstotalling Rs 1,500 cores, insurance firms are
looking at new ways to keep their heads above water. After the last calamity—the Later quake of 1993— insurance firms
had dropped earthquakes from the household insurance policy. Those wanting to insure their homes against flooding
may now have to pay a separate premium. The insurance sector has suffered losses of about Rs 1,500 core. These
companies may not get re-insurance for these policies as they had not taken re-insurance for these small individual
polices

Comparative Study on GENERAL INSURANCE Policies of SBI General
Insurance and Reliance General Insurance.
The following below are the brief analysis and Comparative Study on General Insurance
Policies of SBI General Insurance Company against Reliance General Insurance.
Long Term Two Wheeler Insurance Policy
The Coverage of SBI general insurance extends to below facilities as compared to Reliance General Insurance for
above long term two wheeler insurance policy
arising on accidental bodily injury to / on death of a person and any damage caused to third party property
involving r Two Wheeler.
 Loss or damage to the vehicle: The policy covers against any accidental loss or damage caused to the vehicle or
its accessories due to the following :
o Fire, explosion, self-ignition, accidental damage by external means
o Any damage in transit by road, rail, inland waterway, lift, elevator or air
Motor Private Car Insurance
above Motor Private Car insurance policy
with loss or damage to the Vehicle itself.
arising on bodily injury to / on death of a person and any damage caused to third party property.
 Loss or damage to the vehicle
 accidental damage by external means
Travel Insurance (Business & Holiday)
Automatic extension: - This extension is over and above extension of the Policy duration after prior approval for a
period not exceeding 7 days if necessitated by delay of public transport services beyond the control of the Insured
person. This automatic extension will be free of any charge.
Health Insurance

SBI General Insurance Policies extends to below facilities under Hospital Daily Cash
 Daily cash benefit of up to Rs.2,000 per day of hospitalisation
 Daily cash benefit of up to Rs.4,000 per day of ICU hospitalisation
 Daily cash benefit of up to Rs.4,000 per day of accidental hospitalisation
 Age of entry: 18 to 65 years. Children from the age of 3 months are covered provided both the parents are also
concurrently covered.
Burglary Insurance
The Key Feature of SBI general insurance extends to below facilities as compared to Reliance General Insurance
for above Burglary insurance policy
 Theft cover following forcible entry to premises
 Also includes as standard cover - circumstances when there is no forcible entry, but the theft results from a
person who is feloniously concealed on the premises, commits the theft and then exits the premises, and there
is evidence of forcible or violent exit.
Boiler & Pressure Plant Insurance
for above Boiler & Pressure Plant insurance policy
 Protects the Boilers and other Pressure Plants against the risk of any damage to it
 Protects the surrounding property
 Covers against the accidental death or injury
 Specific expenses incurred due to loss or damage to the insured items.
Electronic Equipment Insurance
above Electronic Equipment insurance policy
 The Policy is divided into three sections - Material Damage (Equipment), External Data Media and Increased cost
of working.
 Section I - Material Damage: The policy pays for physical loss or damage caused to the equipments covered
under the policy, necessitating repair or replacement, due to any cause, other than those specifically excluded
under the Policy.

 Section II - External Data Media: If the external data media and the information stored in such media, which can
be directly processed in EDP systems suffers any material damage due to the peril covered under Section 1 of
this Policy, the Company will indemnify the Insured for such loss or damage.
Business Package Insurance
The Coverage of SBI general insurance extends to below facilities as compared to Reliance General
Insurance for above Business Package insurance policy
 This Policy, being a Package Policy contains seven covers packaged in a single policy form.
 Section I - Fire and Allied Perils (Compulsory Section) - It covers building/s, plant and machinery, furniture,
fixtures and fittings, electrical installations and stock and stock-in-trade against fire and allied perils.
 Section II - Business Interruption (Optional Section) - It covers loss due to interruption or interference with the
business carried on by the insured at the premises specified and covered under Section I, in consequence of loss,
destruction or damage indemnifiable under Section I.
Industrial All Risks Insurance
for above Industrial All Risks insurance policy
 All risks cover - broad coverage to the customer
 Two-part (sectionalised) policy, removing the need for separate policies to be taken.
 Basis of valuation (other than stock ) is on Reinstatement Value basis
Marine Cargo Insurance
above Marine Cargo insurance policy
 The Policy covers any accidental loss or damage to the cargo described in the Policy schedule whilst in
transit by perils named in institute clauses
Standard Fire and Special Perils Insurances
 This Policy covers various assets like Building, Plant and Machinery, Stock, Furniture, Fixtures and other
immovable and movable assets against loss or damage due to,
 Fire & Lightning and Explosion / Implosion
 Aircraft Damage
 Riot, Strike, Malicious Damages and Terrorism

 Storm, Tempest, Cyclone, Typhoon, Hurricane, Tornodo, flood, inundation,
 Subsidence, Landslide and Rock slide
 Missile Testing operations
The following below are the brief analysis and Comparative Study on General Insurance Policies of Reliance
General Insurance Company against SBI General Insurance.
Health insurance policy:
The Coverage of Reliance general insurance extends to below facilities as compared to SBI General
Insurance for above Health insurance policy
Immediate and extended family members can be covered under an individual policy. It offers lifelong renewal. Cashless
hospitalisation is available in over 4000+ preferred network hospitals across India. This Reliance General Insurance plan
is an online insurance cover that seeks to cover hospitalisation and related costs for the individual and the family.
The Critical Illness Policy from Reliance covers costs associated with specific critical illnesses. It has an entry age of 18 to
65 years, and lifelong renewability.
Car insurance
Car insurance plans by Reliance General Insurance help to escape from expenses on r car or any other vehicle due to any
calamity and cover benefits of comprehensive motor insurance but also provide post accident assistance.
Two Wheeler Insurance Plan
These insurance plans from Reliance general Insurance offer hassle-free protection to two-wheeler against physical
damage, theft and third-party liability.
Reliance Overseas Travel Insurance
It covers expenses due to lost passport, loss of check-in baggage, missed flights, delayed or cancelled trips, emergency
medical expenses incurred by the insured or his/her family members due to sudden illness, injury or death among other
things. No medical check-up is required up until the age of 80 years.

Reliance Student Travel Insurance: The policy offers comprehensive coverage through unique benefits like
bail bond, study interruption, sponsor protection, etc. No paperwork and affordable premium enable stress-free
overseas education for the students. No medical tests are required before the issue of the student health policy.
Insurance claims are settled in a quick and hassle-free manner.
Reliance Home Insurance Plans:
The Reliance Home Insurance Plans give comprehensive cover for r home and its contents at a reasonable
premium and help to safeguard r home and its contents in case of an ill fated event.
Reliance SME Insurance:
The Key Benefits of Reliance general insurance extends to below facilities as compared to SBI General
Insurance for above Reliance SME insurance policy
 Facilitates cover for various risks through a single document
 Extensive coverage of different risks
 Choice of selecting the type of cover that want
 Available for small and medium size industries
 Sum insured upto Rs 100 crores on a single location
FIRE INSURANCE POLICIES
Insurance for above Fire Insurance insurance policy
 Breakage of glass
 Storage risks at fabricator’s premises / workshop
 Sites located in EQ Zones I and II
 Clearance and removal of debris
 Third party liability, surrounding property
 Maintenance visits and extended maintenance cover
 MARINE INSURANCE
Insurance for above Marine insurance policy
 Cover for loss or damage to cargo in transit

 Policy extendable to cover war and strikes perils
 Three variants to choose from (Specific Policy, Open Policy and Open Cover)
 Worldwide claims survey and settlement assistance
 Network of surveyors all over the country
 Customized and innovative covers based on r needs
 Extensions for multi-transit, incidental storage, FOB, riot and strikes perils etc.
 Discounts for voluntary higher excess, lesser distance etc.
Reliance General Insurance has flexibility option related Policy over SBI General Insurance
The following variations with regard to sum insured can be opted for:
 Floater policy: Issued for stocks at various locations under one sum insured.
 Declaration policy: Takes care of frequent fluctuations in stocks/ stock values.
 Floater declaration policy: Comprises features of both the floater and declaration policies.
Hospitalization Expenses covered include:
 Room charges and operation theatre charges
 Fees of medical practitioner, anesthetist, and consultants
 Nursing expenses
Medicine, Consumables, and Diagnostic Expenses covered include:
 Cost of medicines and drugs
 Anesthesia, blood, and oxygen administration expenses
 Cost of surgical appliances, pacemaker, and radiotherapy
Conclusion
Insurance is an important aspects of a human being in present life, whether it is life insurance or general insurance, both
playing an vital role in present life of the every human being. India has seen a double digit growth insurance industry and
many licenses have been issued to many companies and setting up a regulatory paved the development of insurance
industry in India. There has been a huge competition in the general insurance industry and it is vital seen in the market
that many companies are offering variety of services and product variance to the customer. Considering the SBI General
Insurance and Reliance General Insurance, both companies are covering all the products of general insurance and
providing neck to neck services to customer. The various offering by the both companies are making the customer to
vague in decision of buying a general insurance product. Both companies are covering all the aspects to cater the needs
of the customer. SBI and Reliance general insurance are belongs to private industry and always meeting the standards of

the customer in all the way. Claim settlement are very quick and customer friendly for both the companies. Bonus and
additional coverage to the policies are the key features for both the company in attracting the customer. Infrastructure,
systems, procedures, and policies are making the easy way for the customers to subscribe to general insurance policies.
Health related policies of Reliance General Insurance are competitive compared to SBI General Insurance. Marine and
Fire Insurance of both the companies covers all requirement of the customer. Premium for the policies are
comparatively matching in nature for both the companies.Reliance general insurance and SBI general insurance are
considering the market players of general insurance in the economy. Both companies products are superior to each
other in terms of bonus, key features, additional coverage, claim settlement, etc.In the present context, general
insurance companies are growing at faster rate and contributing lot to GDP of the economy. This is paving the
development to the economy.However, the real challenge of the both general insurance companies is finally dependent
on the claim settlement coverage ratio and instant issuances of the policies.
Bibliography
 Principles and practices of Banking and Insurance
P.K Bandgar: Lakshmi Chandrasekaran: Lakshmi Kavitha
 Innovations in Banking Insurance
Romeo.S. Mascarenhas
Webliography
 http://www.reliancegeneral.co.in
 http://www.wikepedia.com
 http://www.sbigeneral.in
 http://www.policybazaar.com
 http://www.policyx.com

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