Insurance Services

We provide reliable Insurance Services for Micro, Small & Medium Enterprises as well as to the Individuals, Entrepreneurs, Professionals. Our experts skillfully analyze every constraint of the Insurance and accordingly suggest the required insurance solution.

 

We address your needs with utmost care and ensure your satisfaction in whatever we do. We provide umbrella finance services i.e. Insurance (all types - including Life Ins, Term Plan, Pension Plan, ULIP, Car Ins Third Party, Marine Ins, Home & Shop Ins, Fire Ins and Mediclaim etc.). We value the trust and belief vested in us by our customers and professional contacts, and give a dedicated service with an honest and direct approach in all our dealings. We Provide following Insurance services:

General Insurance

Health Insurance

Life Insurance

Car Insurance

Home Insurance

Travel Insurance


 General Insurance

Genral Insurance or Non-life insurance refers to bearing the customer's risk against insurance premiums. Non-life Insurance pre-tax earnings consist of the balance on technical account, investment income and other income and expenses. The balance on technical account comes from insurance premium revenue less claims incurred and operating expenses.

The most important profitability indicator is the combined ratio showing the proportion of claims incurred and operating expenses to insurance premium revenue. Non-life insurance profitability is secured, for example, by risk-based premium rating, proactive loss prevention, reinsurance on the greatest individual risks and efficient claims settlement. With respect to investment operations, Non-life Insurance is tasked with investing assets covering technical provisions and equity in a safe and profitable way conducting a policy of sufficient risk diversification.

 Health Insurance

Health insurance comes in handy in case of severe emergencies. Life is unpredictable, insurance can make it safe and secure from bearing huge financial loss. A health insurance policy is a contract between an insurance company and an individual.

Health insurance plans insure you against unexpected medical emergencies and keep your family's finace stable during such a testing time. keeping in mind the rising medical costs and spurt of diseases buying a health insurance is mandatory. a medical emergency can knock anyone's door and impact a person both emotionally and finacially. Lower Premium for Early Birds still catch the worms. Insurance companies calculate the premium amount based on an individual's age. So the younger you are, lesser the premium. Start early and you'll get the benefit of an extended cover at a lower cost.

 Life Insurance

Being one of the leading organizations for offering LIC Life Insurance to our clients, we are meeting each client’s demands. Our qualified professionals are familiar with insurance industry and its various procedures hence efficient in helping clients at each stage of the process. In addition, offered service can be availed at budget affordable price.

Life Insurance is a powerful tool to cover your unforeseen risks that can affect your family in your absence. It also works as a saving instrument which can help you in planning for your children’s education, daughter’s marriage, pension, retirement benefits or for any defined goal.Lotus Finance is specialized in Providing L.I.C Service. We are supported by a well structural and wide infrastructural unit that assists us in the processing of high quality products as per the industry set norms.

 Car Insurance

We offer the best of car insurance services for your car. Irrespective of whether you own a used car or a new car, we are glad to be with you at every step of your car insurance need. Starting from initially applying for insurance till the time you sell your car, we are here to guide you and to satisfy all your insurance needs.

Car insurance technically provides protection against the losses incurred as a result of unavoidable instances. It helps cover against theft, financial loss caused by accidents and any subsequent liabilities. The cover level of Car insurance can be the insured party, the insured vehicle, third parties (car and people). The premium of the insurance is dependent on certain parameters like gender, age, vehicle classification, etc. Car insurance gives confidence to drive fearlessly but at the same time should follow the traffic rules. In emergencies it acts like a boon to the insurer.

 Home Insurance

Home insurance, also commonly called hazard insurance or homeowner's insurance (often abbreviated in the real estate industry as HOI), is the type of property insurance that covers private homes. It is an insurance policy that combines various personal insurance protections, which can include losses occurring to one's home, its contents, loss of its use (additional living expenses), or loss of other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home or at the hands of the homeowner within the policy territory. It requires that at least one of the named insureds occupies the home. The dwelling policy (DP) is similar, but used for residences which don't qualify for various reasons, such as vacancy/non-occupancy, seasonal/secondary residence, or age.

We bring to you to choose from a wide range of House- Holders' Insurance policy designed to cover various risks and contingencies faced by householders under a single policy. It provides protection for property and interests of the insured and his family members who permanently reside with the insured.

 Travel Insurance

If you are going on a travel and are worried about many things like your health, ornaments, gadgets or any costly thing, then we have various options for you. We present the travel insurance services which will give our customers impunity from all worries. We provide indemnification for everything you register with us while availing a travel insurance package. You can get medical consultation and many other benefits without paying excessive cash. Rush to our office and avail our services, we are based in Pune, India.

Travel Insurance is insurance that 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 us.