Insurance Products through American Express
Discover an insurance plan that is right for you
Whether it’s a dream getaway, health or your personal well-being, we have the perfect plan for you and your family. Browse through our range of insurance plans, and we will help you find a policy that best suits your needs.
The American Express Advantage:
Dedicated claims and servicing helpline
Priority claim processing
Zero documentation
Traveling abroad can be for a holiday or for business purpose. During the journey, you are susceptible to many risks away from home. There can be unfavorable incidents like thefts, accidents, loss of tickets, baggage, documents, and trip cancellation. A travel insurance, in this case, becomes vital. It covers the expenses incurred in the event of loss or medical treatment.
It is the deductible amount that has to be borne by the insured at the time of a claim. The deductible is applicable for medical expenses, dental treatment, loss of passport or documents, delayed checked baggage, hijack distress allowance, etc.
The following medical expenses are covered:
- In-patient treatment in a local hospital
- Out-patient treatment, provided if it is critical
- Medical aid for broken limbs or injuries if prescribed by physician
- Dental care related to acute anesthetic treatment as a result of an accident
- Life-saving emergency measures till the insured person becomes medically stable
- Transportation and emergency medical evacuation
Car insurance policy is mandatory under the Motor Vehicle Act. The policy ensures that the car owner is protected from financial losses, caused by damage or theft to the vehicle and third party liability.
All car insurance policies are annual policies issued for a period of twelve months. You will have to renew the policy before the specified expiry date mentioned on the policy document. There are certain benefits of doing so:
- Insured will continue to enjoy no claim bonus
- Insured will not have to get inspection done at the time of renewal
An endorsement is a written evidence of an agreed change in the policy. It is a document that incorporates changes in the terms of the policy.
The Insured will be covered for any liability arising from any accident caused by or arising out of the use of the private car in respect of:
- Death or bodily injury to third parties (unlimited liability)
- Damage to the third party property (unlimited liability)
No it is not possible to opt for an add-on without a policy. Our add-ons are available only in addition to our car insurance policy.
No, there is no such limit.
Roadside Assistance Cover provides you with the requisite services in the event of breakdown of your vehicle. Below is the list of services that are covered under Roadside assistance:
- Breakdown support over phone
- Minor Repairs
- Flat Tyre
- Battery jump start
- Arrangement of keys
- Towing on breakdown/accident
No Claim Bonus (NCB) is a discount on premium of the own damage (OD) portion of your vehicle when you renew your policy, provided you have not made any claim during the last policy period of one year. The NCB can be accumulated up to a maximum limit of 50% on own damage premium for private cars. You can transfer the full benefits of NCB, even when you shift your car insurance from any other Insurance company.
The bill of hospitalization at any of Insurer’s network providers/ hospitals would be paid directly by the Insurance company.
For any insured member who is more than 60 years age and/or Sum Insured Rs. 50 Lacs and above.
1) Admission in network hospital
2) Fax the pre-authorization form along with relevant documents (Investigation reports, Previous consultation papers if any, Cashless ID, Photo ID)
3) Review of claim request by Company (as per policy terms & conditions
4) Claim settlement by Company (as per policy terms & conditions) with the hospital after completion of all formalities
- Only available at network hospitals.
- Pre-authorization request to be made-at least 48 hours before a planned hospitalization within 24 hours of emergency hospitalization
In the event that your policy is rejected, you can definitely avail of premium reimbursements within 7 working days. However, we would not be able to reimburse your medical check-up expenses.
The minimum age of entry is 18 Years and a maximum of 60 years
Maximum Sum Insured that you can avail of is Rs. 25 lacs.
Life log renewal
No health check-up required till 50 years of age.
Tax benefit under Section 80D can be availed.
Nomination is a right conferred on the life insurance policyholder to appoint a person or persons to receive the policy money in the event of the policy becoming a claim by death. Any policyholder who is a major and the Life Insured under a policy can make a nomination. A nominee is the person designated by the policyholder to receive the proceeds of an insurance policy, upon the death of the insured.
Yes, you can appoint more than one nominee. In case any money is to be paid to the nominees it will be paid equally to the opted nominees.
Yes. You may change your beneficiary at any time till the maturity date of the policy. You need to inform us about the change through the beneficiary change request form.
Future Generali Care Plus is a pure term plan which offers life cover throughout the policy term. It pays death benefit to the nominee in case of an unfortunate death of the life assured.
Step 1: Choose the amount of insurance cover (Sum Assured) you desire under this policy.
Step 2: Choose the duration of cover (Policy Term) and Premium Payment Term as per your convenience from the available options.
Step 3: Get your premium calculated to get a customized quote and fill the application form.
Step 4: Start paying premiums as and when due, to stay financially protected.
- Entry age:- 18 to 50 years as on last birthday
- Maturity age:- 23 to 85 years as on last birthday
- The death benefit shall be paid on death of the life assured and the policy shall terminate.
The Death Benefit shall be the highest of the following:
10 times annualized premium (excluding the applicable taxes, rider premiums and underwriting extra premiums, if any), or 105% of total premiums paid (excluding any extra premium, any rider premium and applicable taxes) as on the date of death, or Sum Assured
This policy provides your beneficiary with a death benefit in the unfortunate event of your accidental death. It also provides you with cover against Permanent Total Disablement (PTD) on account of an accident.
The minimum age for taking this policy is 18 years and maximum is 75 years.
Bike insurance policy is mandatory under the Motor Vehicle Act for every vehicle on the road. . The policy ensures that the bike owner is protected from
financial losses, caused by damage or theft to the vehicle and third party liability.
NCB is a reward for not raising a claim. It is a discount on the premium of the Own Damage (OD) portion of your vehicle when you renew your policy, provided you have not made any claim during the last policy period of one year. The NCB can be accumulated up to a maximum limit of 50% on OD premium.
Constructive Total Loss refers to accidental loss/ damage to your vehicle where the aggregate cost of retrieval and/ or repairs amounts to be more than 75% of the Insured's Declared Value (IDV) on your policy.
The premium payable for your vehicle depends on the below factors:
- Cubic capacity of the engine
- Age of vehicle
- Geographical Zone
- Type of Model
- Insured Declared Value (IDV)
When you buy Bike Insurance online, you get an instant policy, as there is no documentation or paperwork involved.
Need to make a Claim?
If you have to make an insurance claim, it can be a very stressful time, especially when your life’s already busy.
You can find all the information you need to make a claim here.
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Disclaimer
The advertisement contains only an indication of the cover offered. For more details on risk factors, terms, conditions and exclusions, please read the policy wordings carefully before concluding a sale.
The advertisement contains only an indication of the cover offered. For more details on risk factors, terms, conditions and exclusions, please read the policy wordings carefully before concluding a sale.
General Insurance is underwritten by ICICI Lombard General Insurance Company Limited and Tata AIG General Insurance Company Limited.
ICICI Lombard has its registered office at ICICI Lombard House, 414, Veer Savarkar Marg, Near Siddhivanayak Temple, Prabhadevi, Mumbai – 400 025. IRDAI Reg No. 115. Toll Free No. 1800 2666. Fax No 02261961323. CIN U67200MH2000PLC129408.
Website: www.icicilombard.com
Email: customersupport@icicilombard.com
Tata AIG has its registered office at Peninsula Business Park, Tower A, 15th Floor, G.K.Marg, Lower Parel, Mumbai - 400 013, Maharashtra, India. CIN Number: U85110MH2000PLC128425. IRDA of India Regn. No. 108.Category of Certificate of Registration: General Insurance. Insurance is the subject matter of the solicitation.
Website: https://www.tataaig.com
Email: customersupport@tataaig.com
Life Insurance is underwritten by Future Generali India Life Insurance Company Limited (Future Generali) and PNB MetLife India Insurance Company Limited (PNB MetLife).
Future Group's and Generali Group's liability is restricted to the extent of their shareholding in Future Generali India Life Insurance Company Limited. (IRDAI Regn. No.: 133) (CIN: U66010MH2006PLC165288) | Regd. & Corporate Office address: Unit 801 and 802, 8th ‑floor, Tower C, Embassy 247 Park, L.B.S. Marg, Vikhroli (W), Mumbai – 400083. Call us at 1800 102 2355 | Fax: 022-40976600 | UIN: 133N090V02| ARN: ADVT/Comp/2022-23/March/989.
Website: life.futuregenerali.in
Email: care@futuregenerali.in
PNB MetLife has registered office at Unit No. 701, 702 & 703, 7th Floor, West Wing, Raheja Towers, 26/27 M G Road, Bangalore - 560001, Karnataka. Toll free No. 1800-425-6969.
Website: www.pnbmetlife.com
Email: indiaservice@pnbmetlife.co.in
This information is provided by American Express Banking Corp. (AEBC), India, having its Principal office at MGF Metropolitan, Office Tower, Level 7, District Centre, Saket, New Delhi-110017. Insurance Regulatory and Development Authority of India has authorized AEBC India to act as a Corporate Agent from 1st April, 2022 to 31st March, 2025 for soliciting and procuring General Insurance and Life Insurance business under Registration No. CA0066. The contents of this message (including any attachments) and the contents there of are attributable solely to the ICICI Lombard General Insurance Company Limited, Tata AIG General Insurance Company Limited, Future Generali India Life Insurance and PNB MetLife India Insurance Company Ltd. ('Insurance Company'). No part of the same is either directly or indirectly, attributable to AEBC. The participation of the Cardmember is purely on a voluntary basis. Any such person who purchases or otherwise subscribes to the Insurance Product would do at his/her discretion and shall not receive any advantages in additions to those which he/she would ordinarily be entitled to as an American Express Cardmember. AEBC India does not accept any responsibility for the Insurance Company's actions or decisions. AEBC holds no warranty & makes no representation about claims processing. The contract of Insurance is between the insurance company and the insured and not between the AEBC and the insured. Insurance company is liable to claims processing as per the terms and conditions of this Policy. AEBC India identifies insurance providers and products that may be of some interest to some of their customers. In this role, American Express does not act as an agent or fiduciary for the Cardmember, and may act on behalf of the insurance company provider (as its agent or otherwise), as permitted by law. Please be aware that we receive up to 20% of the premium as commissions for Non-Life insurance products and up to 40% in the first year and up to 7.5% of the premium in the subsequent years for Life insurance products from providers as per Insurance Regulatory and Development Authority of India guidelines.
Beware of spurious phone calls and fictitious/fraudulent offers. IRDAI clarifies to public that –
- IRDAI or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums
- IRDAI does not announce any bonus
Public receiving such phone calls are requested to lodge a police complaint along with details of phone call, number.
For any grievance redressal if not resolved you can also reach out to Insurance Ombudsman email id as given below :
Email: complaints@irdai.gov.in
Product code:
CICI Lombard Complete Health Insurance - ICIHLIP23165V012223, Group Personal Accident - ICIPAGP22077V062122, Private Car Package Policy - IRDAN115RP0017V01200102, International Travel Insurance - ICITIOP22093V032122, Two Wheeler Package Policy - IRDAN115RP0015V04201415, Smart Plan House Holders Package Policy - IRDAN139P0002V01200910, ICICI Lombard Criti Shield Plus - ICIHLIP22131V012122
Future Generali Express Term Life Plan – T21. UIN: 133N082V01
PNB MetLife India Insurance Co. Ltd. Mera Jeevan Suraksha Plan – MJS, PNB MetLife IRDAI registration number – 117
Tata AIG Auto Secure - Private Car Package Policy, UIN: IRDAN108RP0002V01200001, Product Code: 3184
Tata AIG Health Insurance - Product Code & Name: 288905, Group Medicare 360, UIN: TATHLGP22162V012122
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