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General Insurance

Get financial support with LGIC's General Insurance, whenever you want.

General insurance is non-life insurance that works on the terms and conditions and can be claimed immediately after the mishap or unfortunate event.

General Insurance is the agreement between the insurer and the policyholder, the insurer has to provide financial support whenever the insured needs it and whenever there is a claim application.

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Benefits of General Insurance

General Insurance is claimed whenever the policyholder expects financial support from the insurer, during the uncertain event
General Insurance doesn’t possess the characteristic of Life Insurance, as the premium can be claimed and reimbursed only after the death of the insured.
General Insurance is the immediate thought which comes to the policyholder during unfortunate events as the add-on covers are user-friendly.
General insurance is non-life insurance and the premium coverage can be used for your needs.
Various types of General Insurance cover every different need of the policyholder.
Helps in maintaining financial burdens at unfortunate events.
General insurance can be claimed anytime during the policy tenure.
Easy claim process
Quick sanction of the claim

Types of General Insurance:

General Insurance offers various types of other insurance which are designed to cater to every possible need of the customer and are listed under non-life insurance policies. Some of the major and important types of General Insurance are hereunder:

Health Insurance

    Health Insurance is the type of general insurance, which provides financial expenses for the premium coverage you have chosen for, and for the health problems listed by the insurer.
    Health Insurance is the agreement between the insurer and the policyholder to secure the insured from unexpected financial circumstances. The insurance can be claimed soon after the confirmation of the health problem.

Types of Health Insurance

Comprehensive Health Insurance

The policy offers wholesome protection to the insurer’s health, by providing necessary add-on with the extra premium.

Family Health Insurance

The policy offers various plans to protect your family from unfortunate medical conditions and helps in financial recovery.

Senior Citizen Health Insurance

This insurance secures the health of the senior citizen and helps during monetary emergencies like hospitalization, surgeries, bills, etc.

Corona-Virus Health Insurance

The type of Insurance which was structured specially to help recover the COVID-19 Pandemic, and its aftereffects.

Motor Insurance

The policy agreement between the policyholder and the insurer, to protect the insured against unfortunate events like damage of property/Person, death, Injury, and Permanent Disability.
  • Comprehensive Motor Insurance: This Insurance covers the financial express for both own damage and third-party liability and the extra protection if the insured has chosen from the add-on covers depending on the respective requirement.
  • Third-Party Liability: The compulsory Insurance in India, for any motor which has to be on the roads and ride uninterrupted without penalties.

The types of Motor Insurance are

Car Insurance/Four-wheeler Insurance

Commercial Vehicle Insurance

Taxi Insurance

Bike/ Two-Wheeler Insurance

Travel Insurance

Travel Insurance is the type of insurance that protects your baggage and the loss of the credentials and baggage, medical emergency, pays for the financial expenses to the customized travel policies the policyholder chosen
  • Travel Insurance provides safety for the insured which is mentioned in the premium coverage.
  • Helps to be secured while on the trip and ensures safety till they return and reach the policyholder.

Types of Travel Insurance

Domestic Travel Insurance

International Travel Insurance

Senior Citizen Travel Insurance

Family, Student, Corporate Travel Insurance, and many more.

Home Insurance


  • Home Insurance is the type of insurance that provides security to the structure of your home, contents of your home, etc.
  • If your home is in a flood/or the natural Calamities prone area then home insurance is the ideal choice for opting for Home Insurance.
  • Home Insurance also protects your home from Man-made calamities like theft, burglary, fire, etc.

Types of Home Insurance

Landlord Insurance

Tenant Insurance

Content Insurance and many more

Commercial Insurance


  • The type of insurance which provides security for various business/ commercial purposes.
  • The type of insurance policy varies from industry and industry purpose. The premium coverage will be decided according to the industry measures and the requirements and the factors which are prone to the damage of the person or the property.

Types of Commercial Insurance

Marine Insurance

Property Insurance

Liability Insurance

Employee Benefits Insurance

Engineering, Energy, Crop Insurance, and many more

Engineering, Energy, Crop Insurance, and many more

    Claim Settlement Ratio: This is the foremost thing any insurance buyer should cross-check with. While you think of the unfortunate emergencies and buy a policy, many of the companies make it complicated by intense documentation and uneasy processes.
  • Check for the company which would provide you with quick claims.
  • Companies who do the process online, with zero paperwork, and make it hassle-free.

    • Define your needs: There are several Insurance Policies with essential add-on covers. Choose the insurance policy wisely.
  • For example, Medical expenses can be included both in health insurance type and Vehicle Insurance type. So, if you are already paying a premium for health insurance, opt only for third-party liability under Vehicle Insurance
  • Thorough Research: Research the type of insurance which is of your need and the pros and cons of it.
Claim-Settlement Ratio: This defines the authentication and accountability of the insurance company. Check the claim settled by the company to the claims filed. Incurred Claim Ratio: The ratio of the company, which defines the amount collected by the company in the form of premium to the amount spent to settle the claims, in that financial year.

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