Protect your car, health, home, travel, and other valuable assets against unexpected financial losses with general insurance. At E-Insure First, we help you compare general insurance policies online from leading insurers in India and choose suitable coverage based on your needs, budget, and risk profile.
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Tell us what you want to protect. Our insurance advisor will contact you with suitable options.
Compare available insurance options in one place.
Explore different types of general insurance.
Understand policy coverage and exclusions.
Review insurer networks and claim procedures.
Get guidance when selecting suitable protection.
Receive assistance with policy selection and renewal.
Compare insurers based on the type of insurance you need, policy benefits, network coverage, claim services, and customer support.
| Rank | Insurance Company | Insurance Categories to Explore | Best For | Key Highlights | Action |
|---|---|---|---|---|---|
| 1 | New India Assurance | Motor, health, home, and other general insurance | Buyers considering a public-sector insurer | Established public-sector insurer with a broad product range | Explore Plans |
| 2 | National Insurance Company | Motor, health, and commercial insurance | Individuals and businesses | Long-established public insurer with rural and corporate reach | Explore Plans |
| 3 | Oriental Insurance Company | Motor, health, property, and industrial insurance | Businesses and individual buyers | Offers a range of retail and commercial insurance products | Explore Plans |
| 4 | United India Insurance | Motor, health, and commercial insurance | Individuals, businesses, and rural customers | Broad customer base and general insurance offerings | Explore Plans |
| 5 | ICICI Lombard General Insurance | Motor, health, travel, and commercial insurance | Buyers comparing multiple insurance categories | Broad product range across personal and business insurance | Explore Plans |
| 6 | HDFC ERGO General Insurance | Motor, health, travel, and home insurance | Buyers comparing network facilities | Explore available garage and hospital networks and policy benefits | Explore Plans |
| 7 | Bajaj Allianz General Insurance | Motor, health, travel, and other insurance | Retail and group insurance buyers | Broad range of insurance products | Explore Plans |
| 8 | Tata AIG General Insurance | Motor, travel, health, and business insurance | Individuals and businesses | Options across personal and commercial insurance | Explore Plans |
| 9 | SBI General Insurance | Motor, health, home, and other insurance | Buyers comparing multiple product categories | Broad distribution and insurance offerings | Explore Plans |
| 10 | IFFCO Tokio General Insurance | Motor, health, rural, and other insurance | Rural and semi-urban customers | Offers personal and business insurance products | Explore Plans |
| 11 | Go Digit General Insurance | Motor, health, and travel insurance | Digitally oriented buyers | Digital-first purchase and service options | Explore Plans |
| 12 | Cholamandalam MS General Insurance | Motor, health, and commercial insurance | Individuals and businesses | Insurance options across multiple categories | Explore Plans |
This list is for comparison purposes and is not a ranking of insurer performance. Product availability, features, premiums, and service quality vary by insurance category and policy.
Disclaimer: General insurance policy terms, premiums, exclusions, benefits, and eligibility requirements vary by insurer and product. Review the relevant policy wording and current insurer information before purchasing.
General insurance, also called non-life insurance, helps protect you against specified financial losses arising from events such as accidents, theft, fire, illness, and damage to property.
Unlike life insurance, which primarily provides benefits linked to the life of the insured person, general insurance covers specific non-life risks involving your vehicle, health, home, travel, business, and other assets.
For example, motor insurance can help cover eligible vehicle damage, while health insurance can help pay covered medical expenses.
At E-Insure First, you can explore different general insurance categories and compare available policies to find protection suited to your needs.
Choosing the right general insurance policy becomes easier when you understand your options and compare their benefits.
Explore motor, health, home, travel, and other general insurance products according to your requirements.
Compare coverage, exclusions, deductibles, and other important policy conditions.
Understand the differences between insurance products and identify suitable coverage for your needs.
Learn about claim procedures, required documents, and the assessment process.
Compare insurers based on relevant factors rather than choosing a policy on premium alone.
Understanding how general insurance works can help you choose suitable coverage and prepare for unexpected expenses.
Priya owns a car, lives in her own home, and wants protection against unexpected medical expenses. She realises that one insurance policy cannot cover every risk she faces.
She identifies the types of protection she needs, including motor, health, and home insurance.
Priya compares available policies by reviewing premiums, coverage limits, exclusions, deductibles, and claim procedures.
She chooses separate policies for the risks she wants to cover.
Later, Priya's car is damaged in an accident. She informs her motor insurer and follows the claim procedure specified in her policy.
Priya submits the required documents and supporting evidence. The insurer assesses the incident, the extent of the loss, and the applicable policy terms.
If the claim is approved, the insurer pays or reimburses the eligible amount according to the policy, after applicable deductibles and exclusions.
This example illustrates the general claim process. Actual procedures and benefits differ across insurance categories and policies.
General insurance includes several types of policies designed to cover different risks.
Motor insurance covers eligible risks involving cars, two-wheelers, and commercial vehicles.
Third-party motor insurance is legally required for vehicles used on Indian roads. Comprehensive policies can also cover eligible damage to your own vehicle, theft, fire, and specified natural disasters.
Common add-ons include zero depreciation, roadside assistance, and engine protection.
Explore Motor InsuranceHealth insurance helps cover eligible medical expenses arising from illness or injury, including hospitalisation and surgery.
Depending on the policy, benefits may include cashless treatment, pre- and post-hospitalisation expenses, ambulance charges, and day-care procedures.
Available options include individual, family floater, and senior citizen health insurance.
Explore Health InsuranceHome insurance can cover the building structure, household contents, or both, depending on the policy.
Covered events may include fire, theft, burglary, floods, earthquakes, and other specified risks.
Some home insurance products offer policy terms longer than one year.
Travel insurance helps protect against specified travel-related risks, such as medical emergencies, trip cancellation, baggage loss, and flight delays.
Policies may be available for individuals, families, students, and senior citizens, depending on the insurer.
Explore Travel InsuranceMarine insurance covers eligible loss or damage to goods and cargo during transit by road, rail, sea, or air.
It can be useful for importers, exporters, logistics businesses, and other organisations involved in moving goods. Ships and boats can be insured separately under marine hull insurance.
Fire insurance protects eligible property and business assets against loss or damage caused by fire and other events specified in the policy.
Personal accident insurance can provide benefits for covered accidental injury, disability, or death, subject to the policy's terms.
Commercial insurance helps businesses manage risks involving property, liability, equipment, and industry-specific activities.
Rural insurance products can cover specified agricultural risks involving crops, livestock, and other farming-related assets.
Specialised products may include mobile phone insurance, bicycle insurance, bank locker insurance, and other covers designed for specific assets or risks.
General insurance policies share several characteristics, although the exact features depend on the product.
Policies cover particular events or losses listed in their terms and conditions.
Many general insurance policies run for one year, while certain products, including some home insurance policies, may offer longer terms.
The policyholder pays a premium to obtain the protection specified in the policy.
Some policies require the policyholder to pay a deductible or bear a portion of a loss. Coverage limits also apply according to the policy.
Depending on the product, policyholders may be able to select coverage limits, add-ons, and other optional benefits.
A claim is assessed when an insured event occurs. Payment depends on the policy terms, documentation, and the insurer's assessment.
Insurance companies in India operate under the regulatory framework administered by the Insurance Regulatory and Development Authority of India (IRDAI).
General insurance helps individuals and businesses manage financial risks that may arise unexpectedly.
Helps cover eligible losses arising from events such as accidents, theft, fire, and illness.
Motor, home, marine, and other property-related policies can protect insured assets against specified risks.
Health insurance can help cover eligible treatment and hospitalisation expenses.
Certain insurance products, including third-party motor insurance, are legally mandatory.
Commercial insurance can help businesses manage specified property, liability, and operational risks.
Travel insurance can help manage eligible expenses associated with medical emergencies, cancellations, baggage loss, and other covered events.
Eligible health insurance premiums may qualify for deductions under Section 80D of the Income Tax Act, subject to applicable conditions and tax rules.
The right insurer depends on the type of insurance you need. Compare insurers using factors relevant to your selected product.
| Factor | What to Check |
|---|---|
| Claim Settlement Ratio (CSR) | Review the percentage of claims settled and the reporting period used |
| Incurred Claim Ratio (ICR) | Understand claims paid relative to premiums earned and the context behind the figures |
| Claim Turnaround Time | Check the insurer's published claim-processing information and applicable timelines |
| Network Coverage | For health and motor insurance, check nearby network hospitals or garages |
| Customer Service | Review the support available during purchase, renewal, and claims |
| Product Range | Confirm that the insurer offers the specific type of cover and coverage limit you need |
| Policy Exclusions | Read the conditions and circumstances in which claims may not be payable |
| Premium and Deductibles | Compare the price alongside coverage limits, deductibles, and benefits |
A higher claim settlement ratio alone does not guarantee a particular claim's approval or faster settlement. Compare multiple indicators and review the insurer's terms before choosing a policy.
Buying general insurance online begins with identifying your needs and comparing the available products.
Decide whether you need motor, health, home, travel, commercial, or another type of general insurance.
Review policies offered by insurers for the selected category.
Compare benefits, coverage limits, exclusions, deductibles, and premiums.
Select a policy that matches your requirements and budget.
Complete the application with correct personal, asset, medical, or other details relevant to the selected product.
Read the coverage, exclusions, waiting periods where applicable, claim conditions, and premium details before paying.
Complete payment through an available method and follow any additional requirements.
Check your policy document and confirm that the information and selected coverage are correct.
The claim procedure depends on the type of insurance and the incident.
Report the loss or insured event as soon as possible, following the notification requirements in your policy.
Provide the incident details and other information requested by the insurer.
Provide the policy copy and evidence relevant to the type of loss.
The insurer or an appointed surveyor may assess the loss, verify the documents, or request additional information.
The insurer assesses the claim under the policy terms and settles the approved amount, subject to applicable deductibles, limits, and exclusions.
Depending on the type of policy and incident, documents may include:
The exact documents required vary by insurance category and claim circumstances.
Among the general insurance categories described here, health insurance premiums may qualify for tax deductions under Section 80D of the Income Tax Act, subject to applicable eligibility requirements and limits.
Eligible deductions may apply to health insurance premiums paid for:
Additional rules apply to senior citizen parents and certain medical expenses. The amount of deduction depends on the taxpayer's circumstances and applicable tax provisions.
Motor, home, and travel insurance premiums do not generally qualify for the same personal deduction under Section 80D.
Important: Tax treatment depends on the applicable tax regime, current law, eligibility, and payment conditions. Verify your eligibility before claiming a deduction.
Choosing insurance can be confusing because different products cover different risks. E-Insure First helps you explore available options and compare policies according to your requirements.
Explore available general insurance products across categories such as motor, health, home, and travel.
Review what a policy covers, what it excludes, and which conditions apply.
Get help identifying the type of insurance that matches your requirements.
Evaluate relevant factors such as network coverage, customer service, claim processes, and policy benefits.
Compare coverage and cost together instead of selecting a policy on premium alone.
Get support understanding your options and completing the relevant purchase or renewal process.
With E-Insure First, you can compare general insurance options and make a more informed decision about protecting your health, vehicle, home, travel, or business.
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