Health Insurance

In today’s world of rising medical costs, Health Insurance is no longer a choice-it is a necessity. It protects you and your family from unexpected financial stress by covering expenses related to illness, injury, hospitalization, and preventive care. With PIB Insurance Brokers, you get access to the right health insurance solutions that ensure quality treatment, peace of mind, and financial security at the time you need it most.

Key Benefits of Health Insurance

• Cashless Treatment

Get hassle-free treatment at a wide network of hospitals without making any upfront payments.

• Hospitalization Coverage

From room rent to ICU charges, doctor consultations, medicines, and surgeries—major hospital expenses are covered.

• Pre & Post-Hospitalization

Covers diagnostic tests, medicines, and follow-up visits before and after your hospital stay.

• Daycare Procedures

Includes treatments that don’t require 24-hour admission, such as cataract surgery, dialysis, and chemotherapy.

• Preventive Healthcare

Stay ahead with annual health check-ups and wellness programs that help detect and prevent illnesses early.

• Tax Benefits

Premiums paid are eligible for deductions under Section 80D of the Income Tax Act, giving you financial savings along with health protection.

Types of Health Insurance Plans

• Individual Health Insurance

Protection for a single individual.

• Family Floater Plans

A single plan covering your entire family under one sum insured.

• Senior Citizen Plans

Tailored coverage for individuals above 60 years, with higher healthcare needs.

• Critical Illness Insurance

Lump sum benefit on diagnosis of major illnesses like cancer, stroke, or heart disease.

• Top-Up and Super Top-Up Plans

Extra coverage at low cost, useful when basic cover is exhausted.

• Group Health Insurance

Affordable employee health benefits, designed for SMEs, corporates, and organizations.

Why Health Insurance is Important

• Healthcare costs are rising every year, making it difficult to afford treatment without insurance.
• Lifestyle-related diseases and medical emergencies can affect anyone, regardless of age.
• Health insurance provides financial security, timely medical care, and peace of mind for you and your loved ones.

Home Insurance

Your home is not just bricks and walls-it’s where your dreams, memories, and hard-earned assets live. Home Insurance ensures that your house and its contents are financially protected against unexpected events like fire, burglary, natural disasters, and accidents.

In today’s world, where risks like floods, cyclones, earthquakes, and even thefts are rising across India, having home insurance is no longer a luxury-it’s a necessity.

Key Features of Home Insurance

• Building Protection

Covers damages to the physical structure of your house due to fire, earthquake, flood, storm, or other natural calamities.

• Contents Coverage

Protects your household items-furniture, appliances, electronics, jewellery, and personal belongings-from theft, burglary, and accidental damage.

• Liability Protection

Provides coverage if a guest, staff, or visitor is injured within your home or if you unintentionally damage a neighbour’s property.

• Alternative Accommodation

Pays for your temporary stay in a hotel/alternate house if your home becomes uninhabitable due to an insured event.

• Theft & Burglary

Safeguards against loss or damage due to theft, burglary, or vandalism, which are becoming increasingly common in urban India.

• Flexible Add-ons

Enhance your policy with jewellery cover, portable electronics cover, cyber protection, or other tailor-made riders.

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Benefits for You

• Financial Security

Against unpredictable risks

• Peace of Mind

Knowing your home and valuables are protected

• Affordable Premiums

Starting as low as ₹ 10/day (varies by coverage)

• Quick Recovery

With smooth claims process

• Mandatory in Many Home Loans

Most banks insist on home insurance before sanctioning housing loans

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Common Exclusions

•   Damage due to willful negligence or intentional acts
•   Normal wear & tear or depreciation over time
•   Damage caused by war, invasion, or nuclear risks
•   Losses not declared during policy issuance

Motor Insurance

Drive Protected. Stay Compliant. Secure Your Journey.

Owning a vehicle comes with responsibilities and risks. Accidents, theft, natural disasters, or even minor damages can result in unexpected expenses. Under the Motor Vehicles Act, 1988, Motor Insurance is not just a choice but a legal requirement in India. It acts as a financial safety net for vehicle owners, drivers, passengers, and even third parties, ensuring peace of mind every time you hit the road.

Motor Insurance Benefits

• Cover Repair Costs

Protects your vehicle against damages caused by accidents, collisions, or natural disasters.

• Third-Party Liability Protection

Compensates third parties for bodily injuries, property damage, or fatalities caused by your vehicle.

• Protect against Theft or Loss

Covers losses arising from theft, fire, or irreparable damage.

• Ensure Legal Compliance

Stay protected from penalties or legal complications by having valid insurance coverage.

Add-On Covers for Enhanced Protection

Boost your motor insurance plan with optional add-ons for maximum security :

• Zero Depreciation Cover

Get full claim without depreciation deductions.

• Personal Accidental Cover

Financial protection for the policyholder in case of injury / death.

• Driver / Passenger Cover

Extended safety for everyone traveling in the vehicle.

• Engine Protection

Coverage against engine damage due to water ingression or oil leakage.

• Lock & Key Replacement

Secure replacement in case of loss or theft.

• 24x7 Roadside Assistance / Towing

Help when you need it most.

• Rim & Tyre Protection

Covers repair / replacement of damaged rims and tyres.

Why Motor Insurance Matters

• Legal requirement under Indian law

• Shields you from financial shocks after accidents or theft

• Protects both you and third parties involved

• provides add-on flexibility for comprehensive protection

Your vehicle is more than just a ride-it’s your safety, comfort, and freedom. With the right Motor Insurance plan, you can drive worry-free knowing you’re protected at every turn.

Travel Insurance

Explore the World with Confidence. Stay Protected Wherever You Go.

Travel opens doors to new experiences-but it also brings uncertainties. From medical emergencies and trip cancellations to lost baggage or flight delays, unexpected events can disrupt your journey and cause financial strain. Travel Insurance ensures you’re covered, offering peace of mind so you can focus on enjoying your trip, whether domestic or international.

Key Benefits of Travel Insurance

• Medical Coverage

Covers emergency medical expenses, hospitalization, and even evacuation during travel.

• Trip Cancellation / Interruption

Reimburses non-refundable expenses if your trip is cancelled or cut short due to illness, accidents, or unforeseen events.

• Lost or Delayed Baggage

Compensation for lost, stolen, or delayed luggage and essential belongings.

• Flight Delays

Provides financial support for delays caused by weather, strikes, or technical issues.

• Personal Liability

Covers accidental injury or property damage caused to third parties.

• 24/7 Global Emergency Assistance

Access round-the-clock support for medical help, hospital location, evacuations, or travel advisories.

Who Should Buy Travel Insurance?

• Tourists and Vacationers

For stress-free holidays.

• Business Travellers

Protect your trips against unexpected disruptions.

• Students Abroad

Secure coverage for healthcare, baggage, and emergencies while studying overseas.

• Frequent Flyers & Seniors

Comprehensive protection for multiple journeys.

• Adventure Travellers

Coverage for sports and high-risk activities.

Types of Travel Insurance Plans

• Single-trip Policy

Ideal for one-time vacations or business trips.

• Multi-Trip Policy

Best suited for frequent travellers.

• Student Travel Insurance

Covers study-related risks and emergencies abroad.

• Group Travel Insurance

Convenient coverage for families, employees, or group tours.

Travel Insurance is more than a policy-it’s your companion for a worry-free journey.

Wherever life takes you, safeguard your trip and travel with complete peace of mind.

Accidental Insurance

Life is unpredictable, and accidents can happen when we least expect them. Accidental Insurance (also called Personal Accident Insurance) ensures that you and your family are financially protected in case of accidental injuries, disability, or death. It provides crucial financial support to manage medical costs, income loss, and long-term recovery—giving peace of mind during life’s toughest moments.

Key Features

• Accidental Death Coverage

Provides a lump sum pay-out to your family in case of accidental death, ensuring their financial stability.

• Permanent Total Disability (PTD)

Offers full benefit if you suffer an irreversible disability such as loss of both limbs, eyesight, or complete paralysis.

• Permanent Partial Disability (PPD)

Covers partial but permanent disabilities, such as loss of one hand, leg, or vision in one eye, with compensation based on severity.

• Temporary Total Disability (TTD)

Provides weekly income replacement if an accident temporarily prevents you from working.

• Medical & Hospitalization Expenses

Covers accident-related medical bills, hospitalization, surgeries, and ambulance charges in many plans.

Common Exclusions

•   Self-inflicted injuries or suicide attempts.
•   Accidents while under the influence of alcohol or drugs.
•   Injuries caused by war, terrorism, or criminal acts.
•   Hazardous activities or adventure sports (unless specifically covered).

Why Choose Accidental Insurance with PIB?

At PIB Insurance Brokers, we go beyond just offering a policy-we ensure you get the right coverage at the right cost. Our expert team helps customize accident insurance based on your lifestyle, occupation, and risks. And when the unexpected happens, we stand by your side with end-to-end claim support, so you and your family can focus on recovery while we handle the rest.