The General Insurance Council brings together India’s 39 non-life insurance companies with a shared goal—to create a more informed, financially secure, and insured nation. Aligned with IRDAI’s vision of ‘Insurance for All by 2047’, this program aims to educate people of the importance of general insurance in their everyday lives.

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What is “Achha Kiya Insurance Liya” Philosophy?

"Achha Kiya Insurance Liya" is an insurance awareness initiative by the General Insurance Council (GIC) of India to build a financially secure India.

It highlights the importance of General Insurance and how it preserves hard-earned savings during emergencies, accidents, and unforeseen circumstances. Covering everything from motor and health to home, travel, and crop insurance, the campaign bursts common myths, highlights key benefits, and educates people on how to purchase policies and raise claims.

Reasons to Insure

Many hesitate to buy insurance due to lack of awareness or common misconceptions about cost, claims and accessibility. Let’s address these doubts and see why millions have said– Achha Kiya Insurance Liya!

Protector of your savings

Whether it is a damaged house due to a natural calamity or your car meeting with an accident, the claim amount will save your hard-earned savings. Cashless facilities in case of motor and health makes it even more financially efficient and a wise decision with claims getting approved in a matter of minutes.

Your Insurance has you covered!

Whether it’s a health emergency or loss or damage of an asset like car, bike, home, factory or even crop, general insurance is there for you during life’s rainy days.

Saviour in stressful situations

Health emergencies, or loss or damage to your assets can be the source of physical discomfort, financial stress or even both. Knowing that your finances are covered helps you tackle other challenges caused by the emergency.

Takes care of your family

General Insurance ensures that your family receives timely assistance and support when they need it most. So you and your family can rest assured and say ‘Achha Kiya Insurance Liya’  

Still Unsure Why to Get
an Insurance?

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Types Of General Insurance 

An insurance policy provides financial relief for medical expenses or the cost of repairing assets such as your car, bike, tractor, or truck. Protect your savings with health, motor, travel, and home insurance. Read on to know more about them.

Health Insurance

Health insurance reduces the financial strain from medical expenses. It not only covers hospitalization charges but also provides timely access to essential medical services and a lump sum amount to fight dreaded critical illnesses thereby ensuring your family’s financial security in the times of distress.

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Significant Benefits of
Health Insurance

Cashless Hospitalisation

Pre and post hospitalisation cover

Cover for alternative treatment

Section 80D tax benefits

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Motor Insurance

Motor insurance is mandated by law. Beyond that, it protects you and your vehicle in the event of accidents, theft, or natural disasters. It even covers repair costs for your vehicle, third-party damage, and injury or death caused to others.

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Significant Benefits of
Motor Insurance

Covers damages
of the accident to your vehicle

Third-party
liability

Coverage for
enhanced care

Coverage in
case of Demise

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Home Insurance

Home Insurance policy allows you to cover your property against natural or man-made calamities. It covers not only the structure but also your valuables like jewellery, art and high value goods—making it beneficial for both homeowners and tenants. It is a responsible choice which protects your place of abode!

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Significant Benefits of
Home Insurance

Coverage against natural calamities

Coverage against Theft

Extensive protection

Liability coverage

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Key Members Of GIC

Appointed Secretary General of the General Insurance Council on 2nd May 2023, Mr Inderjeet Singh brings over 36 years of experience in non-life insurance. Formerly GM & Director at GIC Re, he also served as MD of Kenindia Assurance, Nairobi. A B.Sc. and MBA graduate from Lucknow University, he completed his Fellowship from the Insurance Institute of India in 1995.

Inderjeet Singh Secretary General

General Insurance Council

Key Members Of GIC

A celebrated voice in BFSI, Mr Tapan Singhel has 25+ years of insurance experience and has led Bajaj Allianz since its inception in 2001. He contributes to GIC’s vision through his roles as Chairman of IRDAI’s e-commerce panel, Member of IRDAI’s Insurance Advisory & Reinsurance Committees, and Convenor, CII Non-Life Insurance Group. An alumnus of BHU, he’s known for strategic innovation and sector leadership.

Tapan Singhel MD & CEO

Bajaj Allianz General Insurance Company & Chairman GI Council

Key Members Of GIC

Mayank Bathwal is the CEO of Aditya Birla Health Insurance. With over 30 years at Aditya Birla Group, he’s held leadership roles across insurance, finance, and manufacturing. He was part of the founding team at Aditya Birla Sun Life Insurance and set up ABHI in 2016. A Fellow Chartered Accountant, he co-chairs FICCI’s Health Insurance Committee and is active in NATHEALTH.

Mayank Bathwal CEO

Aditya Birla Health Insurance

Key Members Of GIC

With nearly two decades of experience in insurance and banking, Anand Roy has been steering Star Health & Allied Insurance since 2006. As MD & CEO, he drives growth through marketing, digital innovation, and strategy. An MBA from IMI Delhi, Anand is a member of key industry bodies like FICCI, Council of Insurance Ombudsman, and the Steering Committee for Bima Sugam.

Anand Roy MD & CEO,

Star Health & Allied Insurance

Key Members Of GIC

With a career spanning over 34 years, Ms. Subramanian has built deep domain expertise across key reinsurance verticals including Aviation, Life, Health, and Property. A direct recruit officer at GIC Re in 1988, she rose through the ranks to lead major institutions. A Fellow of the Insurance Institute of India and Associate of CII, London, she served as CMD of AIC before taking charge at New India Assurance.

Girija Subramanian Chairman-Cum-Managing Director,

The New India Assurance Co. Ltd.

Key Members Of GIC

With over 22 years in the insurance industry, Anuj Tyagi has led key business and reinsurance functions, driving scale, innovation, and integration at HDFC ERGO. From merging with L&T and Apollo Munich to building a digital-first insurer, his focus remains on customer experience, people practices, and expanding insurance access. His contributions include work on Pradhan Mantri Fasal Bima Yojana.

Anuj Tyagi MD & CEO,

HDFC ERGO General Insurance

Key Members Of GIC

Shanai Ghosh leads Zuno General Insurance, one of India’s fastest-growing InsurTechs, with a focus on making insurance easy, friendly, and transparent. As the first woman CEO of an Indian general insurance company, she leverages her two decades of experience in Banking, Financial Services, and Insurance to drive digital transformation and customer-centric innovation at Zuno GI. Shanai advocates for the power of data and technology to reshape the industry.

Shanai Ghosh MD & CEO

Zuno General Insurance Limited

Key Members Of GIC

With deep expertise in health insurance, healthcare, and life sciences, Krishnan Ramachandran has been at the helm of Niva Bupa Health Insurance since 2020. An IIT Madras and IIM Calcutta alumnus, he previously served as CEO of Apollo Munich Health Insurance and held leadership roles at Deloitte and Arthur Andersen. His leadership is centered on driving growth and operational excellence.

Krishnan Ramachandran MD & CEO

Niva Bupa Health Insurance Company Limited

GIC Members

Achha Kiya, Samajh Liya

General Insurance policy is a non-life insurance which provides financial protection against damage to assets like your car, two-wheeler, home, or crops, or in the case of medical emergencies for covered family members. It protects the policyholder against unplanned expenses and offers a better way to manage financial emergencies.

General Insurance covers non-life aspects like health, motor, home, travel, etc. Life Insurance, on the other hand, provides financial support to beneficiaries in the event of the policyholder’s death.

Different types of General Insurance products include health, motor, travel, home, crop and more. These policies compensate for the losses incurred by the insurer during the policy term  subject to certain terms and conditions which a customer can read before buying the policy.

It’s a contract where the insured pays a premium for financial protection. If a covered event occurs, the insurer or general insurance company pays for the loss as per policy terms and limits.

General insurance is important because it protects individuals throughout their lifetime. As we live our lives, we end up possessing assets either by way of legacy, gifts or our own efforts. We are vulnerable to health emergencies and so are these assets which can get damaged due to any unforeseen accident. General insurance policies such as Health, Home, Motor, Travel and Crop etc. are time tested instruments which provide financial support during such emergencies giving policyholders much needed peace of mind.

General Insurance Policy is a risk instrument that covers areas such as health, home, motor, travel and crop. Depending on the policy type, it can cover for hospital expenses, vehicle repairs, damage to property, loss during travel, or third-party claims, helping people manage unexpected costs.

Health Insurance is a prime example. It covers expenses like hospitalisation, surgery, and doctor visits. It can be availed individually, for a family, or by companies for employees. There are:

  • Cashless/reimbursement policies
  • Hospital Cash policies (lump sum for each day of hospitalisation)
  • Critical Illness policies (fixed amount on diagnosis of listed illness)Health Insurance helps ease financial burdens and ensures access to timely treatment.
    • Health Insurance helps ease financial burden and ensures access to timely and best possible treatment

    Health Insurance Policy supports the policyholder during unexpected medical expenses. It covers hospitalisation charges, pre and post hospitalisation cover and also provides financial assistance in the case of critical illnesses.

    A health insurance policyholder pays a premium amount annually in return for various kinds of medical expenses up to a pre-decided sum, in the times of need.

    Health insurance is an important investment for the future. With a rise in the number of diseases and medical inflation, it acts as a protective shield for your hard-earned savings. It covers medical expenses such as pre and post hospitalisation charges, diagnosis tests, ambulance charges, OT costs, medicines, room rent, etc. The earlier you purchase health insurance, the better as it keeps you prepared– especially when health issues rise, later in life.

    There are two ways to claim the health insurance:

  • Cashless claim: To avail a cashless treatment, you must go to a network hospital. You will have to seek authorisation for the treatment by informing the insurer. The insurance company then directly deals with the hospital and covers the medical expenses.
  • Reimbursment Claim: The insurance company reimburses for the medical expenses based on the expense occured. The insurance company reviews the bills and reimburses you for the amount spent according to the extent of the policy.

    • To decide the Health Insurance coverage amount, there are two rules one should follow. One, the Health Insurance sum insured (the maximum amount the insurer will receive) should be atleast 50% of your annual salary. Two, the insured sum should be able to cover cases of critical illnesses like bypass surgery, at your preferred hospital. Other factors to consider are your city, age, medical history, and lifestyle.

    Some factors to consider while choosing a Health Insurance are:

  • The amount of the insured sum
  • Type of plan like individual, family floater or senior citizen plan
  • Caps and sub-limits on room rent, and others.
  • Medical history and potential health issues.
  • Compare premium amounts of several Health Insurance policies.
  • Time of claim settlement and no. of claims settled by the insurer.

    • Taking Motor Insurance is mandatory by law. It protects you and your vehicle in the event of accidents, theft, or natural disasters by covering your vehicle’s repair costs, third-party damage, and injury or death caused to others.

    Motor Insurance policy provides a coverage of the following:

  • Damage to your own vehicle due to natural calamity, accident or theft.
  • Injury to third party liability including both people and property due to the vehicle.
  • Accident cover in case of injury or death of the registered owner/driver.

    • 3rd party car insurance is mandatory by law in India. It covers any injury to people or damage to a third party property by the vehicle. However, it does not cover any damage to your own vehicle hence its premium is lower than comprehensive plans.

    Yes, as per the Motor Vehicle Act, Car Insurance is mandatory in India. Any vehicle that operates on public roads must have a Motor Insurance coverage starting with at least third-party Motor Insurance.

    A car insurance protects you against expenses associated with any damage to the car and injuries caused by it to other people and properties.

    A comprehensive bike insurance policy is a combination of 3rd party liability and own damage insurance. It covers the following:

  • Any damage to the bike due to the accident.
  • Damage caused by fire, theft, and natural disaster such as earthquake and floods
  • Damage to third party liability including both people and property.
  • Death of the policy holder or of a third party due to the bike.

    • Home Insurance policy is a responsible choice which protects your shelter and allows you to be financially stress-free in times of distress. It allows you to cover your property against natural or man-made calamities by not only covering the house but also its contents—making it beneficial for both homeowners and tenants.

    No, Home Insurance is not mandatory in India. It is, however, highly recommended to safeguard the property in events of natural calamities, fires, theft etc.

    Home Insurance covers repair and replacement costs of damage or loss to your house and its belongings occurred due to various events like:

  • Loss or Damage to the structure because of earthquake, flood, lightning, storm, cyclone, hurricane, tornado, missile testing, aircraft damage, explosion/Implosion, strike, riots, landslide, leakage from sprinklers, bursting and overflowing of water tanks.
  • It also covers loss or damage to the contents because of burglary and terrorism.

    • Different types of Home Insurance covers are:

  • Structural Cover: Helps in cases where the structure of the house is damaged.
  • Home Content Cover: It covers for the house belongings.
  • Fire Cover: It provides financial assistance in events of fires.
  • Public Liability Cover: It covers for any damages incurred to third party and their property due to the house.
  • Tenants’s Coverage: Since tenants do not own the house, this policy covers the items inside the house.
  • House Breaking Coverage: Covers the damages and loss of items due to theft.

    • Some reason why you must take Home Insurance are:

  • Protect your house against any man-made risks like theft and fire as well as natural disasters like earthquakes and floods.
  • Covers costs of any damage to the physical structure of your house as well as damage and loss of items inside the house.
  • Insures against damages to the third party or their properties caused by the house.

    • Home Insurance is purchased to protect the house from any loss or damage to the house or third party. On the other hand, Home Loan Insurance is taken with a home loan which covers the loan repayment in case of borrower’s death or inability to pay.

    Crop Insurance provides the vital safety net to farmers in case of damage from weather, pests, or other uncertainties that cause damage to crop causing farmers major financial loss. With a Crop Insurance policy, farmers can avoid falling into debt traps and worry-free invest in their farms.

    There are various ways to avail crop insurance in India.

  • Loanee farmers: Insurance purchasing process for loanee farmers should be carried out by banks. All the farmers including those who have been sanctioned loans or Kisan credit cards are eligible for this scheme.
  • Non-loanee farmers: Non-loanee farmers including sharecroppers and tenant farmers can enroll through banks, CSC and directly through NCIP. They need to submit the land records for evidence, land possession certificate and other land agreements.
    • This scheme can be purchased online on PMFBY portal or offline at any government backed insurance policy provider or the banks. For offine facility, you will be assisted by a customer care executive who will offer insurance suggestions based on your requirements and needs. This will lead to submitting the required documents. Once the documents are approved by the insurance company, you’ll be asked to make the first payment.

    Crop Insurance covers any risks of a farmer. These include:

  • Prevented sowing, planting or germination due to adverse weather and water scarcity.
  • Damage to crops due to drought, hailstorm, pest attack, dry spells etc.
  • Any loss to the harvest within 2 weeks after harvesting due to cyclone, cyclonic rains and unseasonal rains.

    • Both loanee farmers and non-loanee farmers can apply for Crop Insurance online on the Pradhan Mantri Fasal Bima Yojana website or through the National Portal of India. The state government notifies strict enrollment dates for each season. Only the proposal received before and on the cut off date are covered.

    Crop Insurance is beneficial to farmers as it protects them from financial losses due to any damage caused to their crop in events like natural disasters, pests and other uncertainties. It keeps the farmers away from falling into debt traps and gives them an ease of mind to invest in their farm for the future.

    Crop Insurance Policy is purchased by the farmers based on their needs. To avail the benefits, they pay a regular premium for it. In the times of need, they can report the losses. When it is verified by the insurance company, they process the claim and provide compensation.

    Yes crops can be insured with the help of a Crop Insurance policy which protects the farmers from any damage occurred to their harvest.

    Pradhan Mantri Fasal Bima Yojana (PMFBY) supports farmers from financial losses occurring due to damage to crop. It also helps farmers stabailize their incomes and invest for the new season. Additionally, it ensures credit flow to the agriculture sector preventing the chances of food scarcity and crop diversification.