Insurance Assist

Insurance can be primarily perceived as a risk mitigating and a financial planning tool. Risk arises from various factors like death, longevity, incapacitation, financial losses to cite a few. Risk  management by way of insurance is therefore an essential measure to protect one’s life as well as lifestyle.

Various types of insurance include vehicle insurance (auto, motorcycle, and boat insurance), health insurance, life insurance, home insurance, travel insurance, personal property insurance and more. In some cases insurance is more or less mandatory, especially in the cases of motor insurance. Other times, it is a safeguard.

We at Bulls & Bears Investments will help you assess all your liabilities and determine the risk cover required to secure your future. We shall assist you to analyze various schemes under general and life insurance and choose the most prudent one to suit your needs in the long run. We believe in nurturing relations, thus we remain with you from the start of the policy till the maturity.

Life Insurance

Life Insurance is a contract providing for payment of a sum of money to the person assured or, following him to the person entitled to receive the same, on the happening of a certain event.  It is a good method to protect your family financially, in case of death, by providing funds for the loss of income.

What Life Insurance Can Do?

  • Safeguard your family’s future
  • Protect your cherished one from misfortunes
  • Preserve your loved ones’ future

Our Role

We at Bulls and Bears Investments analyze your risk and map it to the required risk cover .As we deal with all the insurance companies we are on a position to provide a comparison among the insurance companies and suggest you the best solution without any bias.

Medical Insurance

There were numerous government hospitals in India during the mid-80 and most of these hospitals provided free treatment. But, the situation is quite different presently because of the rise of private healthcare organizations. Hence, Medical Insurance also marked its entry in India. There are several health insurance companies that have brought in Medical Insurance as a product in India. This is one of the fastest growing sections where the growth rate is more than 55% in a year. In 2006-2007, the premium of medical insurance was around Rs 3,300 crores and the figure is expected to exceed Rs 25,000 crores by 2010.

A few thousands on premium can save several thousands or lakhs worth of hospital bills.

Our Role

Again, as we are the intermediaries dealing with almost all the leading insurance companies in India, we can provide you with a wide range of quotations and help you in arriving at an optimum  premium with maximum coverage as per your risk profile.

Critical Insurance

Critical illness insurance or critical illness cover is an offshoot of medical insurance, wherein the insurer is contracted to typically make a lump sum cash payment if the policyholder is diagnosed with one of the critical illnesses listed in the insurance policy.
The policy may also be structured to pay out regular income and the payout may also be as a result of the policyholder undergoing a surgical procedure, for example, having a bypass surgery.

Need for Critical Illness cover

Critical illness cover was originally sold with the intention of providing financial protection to individuals following the diagnosis or treatment of an illness deemed critical.

The finances received could be used to:

  • pay for the costs of the care and treatment;
  • pay for recuperation aids;
  • to pay debts off;
  • replace any lost income due to a decreasing ability to earn; or even
  • fund for a change in lifestyle

Our Role

The terms of the contract contain specific rules that define the situations under which a diagnosis of a critical illness is deemed valid. We as an advisory take it upon ourselves to make the client fully aware of all the clauses therein. Moreover, as we are the intermediaries dealing with almost all the leading companies, we can provide the best solution so that you are covered for all the major illnesses. We at Bulls & Bears Investments believe in sustaining relationships.. Needless to say, we will be there at our customers’ doorsteps right from the form filling stage of a policy  to the claim settlement.

Personal Accident Insurance

Accidental Insurance is on the rise with the alarming rise in the number of accident injuries and deaths. Insurance company’s accidental policy benefits individuals and families at the same time. Not only that, the increase in the automobile sale has witnessed a  growth in the auto accidental insurance as well. Even the two- wheeler companies are proffering bike accidental insurance to their customers as a value added service.

Types of Accident Insurance available:

  • NRI Accident Insurance
  • Personal Accident Insurance
  • Accident health insurance,
  • Car and bike accidental insurance etc.

Our Role

This insurance is mostly required for the bread winner in the family. We can identify the need and tailor the products with a minimal premium and maximum cover.

Home Insurance

Owning a home in India was a distant dream once upon a time or was meant to be the main agenda at the time of retirement but now with the  fat pay cheques of today’s risng upwardly mobile class, a flat is the next item on the list to be checked off! Not surprisingly,  the real estate rates have skyrocketed too and can certainly drain even the affluent ones out. Needless to say, the home owner certainly counts his home as his biggest asset. So protecting the dream home has become a mandatory practice for all homeowners. The home insurance companies provide plenty of options and schemes to ensure the safety of your prime possession.

Areas Covered Under Home Insurance

The home insurance policies protect against various natural and manmade disasters including:

  • Thefts and Burglaries
  • Fire
  • Earthquake
  • Floods
  • Explosions etc.

Our Role

We at Bulls And Bears Investments can provide you with a better quotation backed by a sound research of  the wide range of companies available in India.

Travel Insurance

Travel Insurance is intended to cover medical expenses and financial (such as money invested in nonrefundable pre-payments) and other losses incurred while traveling, either within one's own country, or internationally. Temporary travel insurance can usually be arranged at the time of the booking of a trip to cover exactly the duration of that trip, or a more extensive, continuous insurance can be purchased from travel insurance companies, travel agents or directly from travel suppliers such as cruise lines or tour operators. However, travel insurance purchased from travel suppliers tends to be less inclusive than insurance offered by insurance companies. Travel insurance often offers coverage for a variety of travelers. Student travel, business travel, leisure travel, adventure travel, cruise travel, and international travel are all various options that can be insured.

Coverage types

The most common risks that are covered by travel insurance are:

  • Medical expenses
  • Emergency evacuation/repatriation
  • Return of a minor child
  • Repatriation of remains
  • Trip cancellation/interruption
  • Accidental death, injury or disablement benefit
  • Overseas funeral expenses
  • Curtailment
  • Delayed departure
  • Loss, theft or damage to personal possessions and money (including travel documents)
  • Delayed baggage (and emergency replacement of essential items)
  • Legal assistance
  • Personal liability and rental car damage excess

Our Role

We at Bulls And Bears Investments, will do the individual as well as group travel insurance. We will provide you services ranging from the right recommendation of a policy to the refund in the event of a mishap.

Commercial Insurance

Commercial insurance is insurance to protect a business enterprise. In fact, it is one of the most crucial insurance options a business owner needs to buy. Commercial insurance can be instrumental in protecting a business from potential loss caused by unforeseen and unfortunate circumstances.

Commercial insurance can provide valuable protection against things as theft, property damage, and liability. It can also provide coverage for business interruption and employee injuries. A business owner who chooses to operate a business without insurance puts his enterprise at risk of losing money and property in the wake of an unfortunate event. In some situations, a business owner may even place personal money and property at risk by failing to secure adequate commercial insurance.

Fire Insurance

Fire insurance business in India is governed by the All India Fire Tariff  that lays down the terms of coverage, the premium rates and the conditions of the Fire Policy. The fire insurance policy has been renamed as Standard Fire and Special Perils Policy.

The risks covered are as follows:

  • Dwellings
  • Offices
  • Shops
  • Hospitals (Located outside the compounds of industrial/manufacturing risks)
  • Industrial / Manufacturing Risks Utilities located outside industrial/manufacturing risks
  • Machinery and Accessories Storage Risks outside the compound of industrial risks
  • Tank farms / Gas holders located outside the compound of industrial risks

Perils Covered

Fire Lightning Explosion/Implosion Aircraft damage Riot, Strike Terrorism Storm, Flood, inundation Impact damage Subsidence, landslide bursting or overflowing of tanks Missile Testing Operations Bush fire etc.

Our Role

We at Bulls And Bears Investments can assist you in not only acquiring the policy  but also get the compensation as soon as possible in case of any untoward occurrence that may otherwise hinder the smooth flow of the business.

Industrial Insurance

This entails a comprehensive coverage for the industrial risks having overall Sum Insured of Rs. 100 crores and above in one or more locations in India. The policy covers not only the physical losses or damage but also consequential losses arising out of the business interruption due to unforeseen physical loss or damage to property.

Coverage Includes :

  • Fire and Special Perils including Earthquake
  • Consequential Loss (Fire)
  • Machinery Breakdown, Boilers Explosion, Electronic Equipment
  • Machinery Loss of profit (optional)
  • Terrorism Damage (optional)

General Exclusions :

  • Exclusion under Section 1 (Material Damage)
    • Faulty or defective design material or workmanship
    • Interruption of the water supply, gas, electricity or fuel system or failure of the effluent disposal system
    • Collapse or cracking of building
    • Act of fraud or dishonesty
    • Larceny
    • Coastal or river erosion
    • Normal settlement or bedding down of new structures
    • Any willful act or willful negligence on the part of the insured
    • Cessation of work, delay
    • War invasion or war like situation
    • Nuclear weapons/ionizing radiations or contamination by radioactivity.
  • Exclusion under Section 2 (Business Interruption) 
    This policy doesn't cover loss resulting from interruption of or interference with business directly or indirectly attributable to:
    • Any restriction or reconstruction or operation imposed by any public authority
    • The insured's lack of sufficient capital for timely restoration or replacement of property lost destroyed or damaged
    • Electronic installation computer and data processing equipment
    • Deliberate erasure loss distortion or corruption of the information
    • Deductible stated in the schedule.

Our Role

Risk assessment can be a tricky proposition and we at Bulls And Bears Investment can help you in analyzing this risk ,helping you in determining the total risk that can be rightfully covered.

Marine Insurance

Marine Insurance covers the loss or damage of ships, cargo, terminals, and any transport or cargo by which property is transferred, acquired, or held between the points of origin and final destination.

Cargo insurance is a sub-branch of marine insurance, though Marine also includes Onshore and Offshore exposed property (container terminals, ports, oil platforms, pipelines); Hull; Marine Casualty; and Marine Liability.
A marine policy typically covers only three-quarter of the insured's liabilities towards third parties. The typical liabilities arise in respect of collision with another ship, known as 'running down' (collision with a fixed object is an 'allusion'), and wreck removal (a wreck may serve to block a harbor)

Our Role

We at Bulls And Bears Investment can help you in analyzing risk and help you in determining the total risk covered.

Shop Insurance

Shop insurance is a comprehensive policy cover to protect the premises and the merchandise. It also offers accident benefits and financial assistance against indemnity claims.

Shop insurance policies offer the following coverage:

  • Building and contents: This covers damage to the premises and contents in case of an accident or fire. The contents, as defined under this policy, include fixtures, fittings and electrical equipment’s that are used within the shop premises.
  • Stocks: Shop insurance also covers the contents stocked in the shop for loss or damage due to unforeseen circumstances.
  • Cash burglary: This insurance policy offers financial cover against loss arising from burglary of cash that is kept in a safe at the shop.
  • Cash in transit: This covers loss of cash while it is being carried to the bank.
  • Glass break: This policy covers the financial expenses of repairing or replacing fixed plain glass in the shop due to accidental or external damage.
  • Damage to signboards: This insurance covers loss or damage to neon or other signboards displayed within the shop premises.
  • Check forgery:  This policy compensates for financial loss in case the payment check or draft fails to be realized. It covers financial instruments issued by the policyholder or in favor of the policyholder.
  • Fidelity: Shop insurance also covers loss or damage due to unfaithful act(s) of a salaried employee.
  • Tenant's liability: Many shops carry out business from leased or rented premises. Here, shop insurance offers tenant's liability cover to take into account property damage due to fire, flood, riot, earthquake or accident.
  • Employer's liability: This insurance policy offers financial protection if an employee faces injury while at work. Employer's liability insurance cover is mandatory in some countries, such as the UK, to cover employees against possible dangers at the workplace.
  • Public liability: This insurance plan offers financial assistance in case the policyholder faces an indemnity claim following public injury within the shop premises

Our Role

We at Bulls And Bears Investment can help you in gauging the risk and help you in determining the total risk covered.

Movie Insurance

When filming, there are hundreds of thing that may affect the outcome of your production. We are here to ensure that you have the best coverage against unexpected debacles. Weather, faulty equipment, and accidents are just a few of the things that could go wrong. To prevent financial loss and ruin, we will give the best coverage.

Our Role

We at Bulls And Bears Investment can help you in analyzing risk and help you in determining the total risk covered.

Auto Insurance

Walking and driving on Indian roads is akin to combating danger at every step that we take. Your brand new vehicle may come in for a rude shock if it gets a nasty dent on being hit by someone who mistakes a highway for space and his car for a space shuttle. Insurance cannot fight these misconceptions of such offenders but can at least pay for your financial loss arising out of their misdeeds.

We equip you with the knowledge of various insurance schemes, details about what is insured, the Comprehensive Cover, Third Party Insurance and much more.

Other online services include insurance online service. You can get your vehicle insured online, and drive without a worry.

Our Role

We at Bulls and Bears Investment can help you in analyzing risk and help you in determining the total risk covered. We will help you in getting your dues as early as possible. We would also ensure the revival of the policy year on year.

Two Wheeler Insurance

Two wheeler insurance provides a kind of personal accidental cover for owners, while driving the vehicle. The policy generally provides protection from any loss or damage to the vehicle arising out of natural calamity like fire, protection against third party injury, burglary etc. The amount insured will depend on the current showroom price multiplied by the depreciation rate fixed by the Tariff Advisory Committee at the time of commencement of policy period. Fast and easy claim process by most insurance companies will ensure existing customer loyalty and widen the customer base.

Our Role

We at Bulls And Bears Investment can help you in analyzing risk and help you in determining the total risk covered. We will help you in getting your dues as early as possible. We would also ensure the revival of the policy year on year.

Four Wheeler Insurance

Four wheeler insurance covers vehicles like cars, trucks, lorries and any other vehicle which can be termed as a four wheeler.

According to the Indian Motor Tariff these policies cover Loss or damage to the vehicle caused due to natural or man mad calamities such as Fire, Explosion, earthquake, flood, typhoon, storm, cyclone, hailstorm, landslide, rockslide, burglary, riot, strike. Theft, damage in transit by road, rail, air, ship and so on.

It also covers Personal Accident cover for individual owner of the insured vehicle while traveling. There is also an option of claiming accident expenses for the passengers traveling in the vehicle. Third Party liability protects against legal liabilities caused due to accidental damages which includes any permanent injury or damage caused to the property.

These policies pay for the actual amount spent on vehicle repairs plus garage parking to a certain limit. In case there is a situation of total loss due to an unexpected event amount is incurred in accordance with the market value at the time of the loss or the sum insured depending on whichever is less

Our Role

We at Bulls And Bears Investment can help you in analyzing risk and help you in determining the total risk covered. We will help you in getting your dues as early as possible. We would also ensure the revival of the policy year on year.

Commercial Vehicle Insurance

Insurance of Commercial Vehicles has become compulsory and important for all Commercial Vehicles.. It is absolutely mandatory for all new vehicles being bought. Insurance of commercial vehicles normally covers various parameters like burglary, third party accident, fire, accident, natural calamities etc.

Insurance of Commercial Vehicles includes all vehicles that are not bought for personal usage.

They would mostly include trucks, buses, ambulances, etc. The Insurance Companies in collaboration with the automobile manufacturing companies chalk out different kinds of easy and less complicated plans for safe and easy insurance policy.

Our Role

We at Bulls And Bears Investment can help you in analyzing risk and help you in determining the total risk covered. We will help you in getting your dues as early as possible. We would also ensure the revival of the policy year on year.