When one monsoon damages your roof, your car and your laptop, most insurers charge you three deductibles. We charge one. Here is what each line actually does.
The three things that quietly ruin an Indian health claim are room-rent caps, co-payment and a three-year wait on anything you already had. We removed all three.
From ₹945/month for a ₹10 lakh family floater, eldest member aged 34. Eligible for 80D.
| Term | Market | Unesco Trust |
|---|---|---|
| Pre-existing wait | 3 years | 12 months |
| Room rent | 1–2% of SI/day | No cap |
| Co-pay above 60 | 10–20% | Zero |
| Restoration | Once a year | Unlimited |
| Cashless network | 8,000–10,000 | 14,200+ |
| No-claim bonus | 5–10%/yr | 25%/yr to 200% |
| Term | Market | Unesco Trust |
|---|---|---|
| No medical test up to | ₹50 lakh | ₹1 crore |
| Time to issue | 3–4 weeks | 10 minutes |
| Maximum cover | ₹3 crore | ₹5 crore |
| Claim settlement ratio | 98.6% | 99.4% |
| Death claim payout | 30–45 days | 5 working days |
| Terminal illness benefit | Paid rider | Included |
Term cover up to ₹5 crore, with no medical test at all below ₹1 crore — twice the usual threshold. Most applications are issued in under ten minutes from your phone.
Term from ₹499/month for ₹1 crore over 30 years, age 30, non-smoker. Savings from ₹2,499/month.
Zero-depreciation is sold as an add-on almost everywhere. We include it from day one, and we protect your no-claim bonus instead of wiping it out over a single dent.
From ₹535/month for a ₹5 lakh IDV hatchback, bundled, NCB intact. Third-party cover included as mandated.
| Term | Market | Unesco Trust |
|---|---|---|
| Zero-depreciation | Paid add-on | Included |
| NCB after a claim | Lost entirely | Protected, 1/yr |
| Cashless garages | 5,000 | 7,800 |
| Towing distance | 25 km | 150 km |
| Return to invoice | Add-on, 1 year | Included, 3 years |
| Claim intimation window | 48 hours | 7 days |
| Term | Market | Unesco Trust |
|---|---|---|
| Contents settlement | Depreciated value | Replacement value |
| Monsoon & flood | Paid add-on | Included |
| Alternative accommodation | 3 months | 12 months |
| Jewellery kept at home | ₹50,000 | ₹5 lakh |
| Tenant cover from | ₹250/mo | ₹99/mo |
| Claim settlement | 14–30 days | 48 hours |
Built on the IRDAI's Bharat Griha Raksha wording, so the cover is standardised and comparable — then extended where that standard leaves Indian households short.
From ₹214/month for ₹50 lakh of structure and contents, bundled.
Two lines people usually buy badly — at the airport counter or at the vet's desk. Attach them to your membership instead and they cost roughly half.
From ₹449/trip, or ₹329/month for annual multi-trip.
From ₹349/month per pet, any age.
Written on the Bharat Sookshma Udyam Suraksha standard, with liability, cyber and business interruption on a single form — so there is never an argument about which policy responds.
From ₹899/month for a proprietorship or firm under 10 staff.
Kirana stores, clinics, salons, tuition centres, cafés, workshops, studios and online sellers — the crores of Indian MSMEs routinely quoted corporate forms they neither need nor can read.
to a certificate of insurance
assets, liability, cyber, interruption
Every insurer has exclusions. Ours live on a page you can find before you pay, not in a schedule that arrives after you have.
Notably absent from that list: room-rent caps, co-payment at any age, disease-wise sub-limits, and losing your entire no-claim bonus over one motor claim.
A named advisor will map your current policies against these lines and show you the gaps and the overlaps — whether or not you switch.
