The Policy covers beehives and/or colonies belonging to co-operative societies or individual and protects them against accidental loss or damage. Theft risk is covered on payment of additional premium. The main exclusions are loss of production, intentional destruction, theft and clandestine sale, malicious or willful act or neglect or improper management, nuclear and war perils.

Policy proof of interest admitted.

A policy that has no legal effect and is binding in honor only.

Exclusively designed for Senior Citizen aged 60 years and above, Policy is available for Sum Insured 1 lac, 2 lac, 3 lac, 4 lac and 5 lacs, Covers specified diseases such as accidental injury, knee replacement, cardio vascular, chronic renal failure, cancer, stroke, prostrate, orthopedic, ophthalmic diseases only further subject to maximum liability per disease as specified further subject to Compulsory co-payment of 20% on admissible claim amount, Benefit of continuity extended if already insured with any mediclaim policy of the Company, TPA service available, Cashless Service through TPA only and limited to Rs. 1 lakh.

The cover is in respect of death of race horses either from accident or disease, including the destruction of the animal on humanitarian grounds arising from an accident or disease. The Policy may also be extended to cover death by Fire, lightning, breeding, transit risks etc.

The crops covered are (i) grape (ii) citrus fruits (oranges, lime and sweet lime), (iii) chikoo (sappotta), (iv) pomegranate (v) banana. The subject matter of Insurance would be fruits in horticultural crops and the perils covered would be Fire, lightning, storm, hailstorm, cyclone, typhoon, tempest, hurricane etc., flood, inundation, riot, strike, terrorism.