General Insurance Solutions with OBS Fin Solution
At OBS Fin Solution, we understand that life is full of uncertainties. Our General Insurance solutions are designed to protect you, your family, and your valuable assets against unexpected risks and financial losses. From your home and vehicle to your health, business, and travel, we provide comprehensive coverage to safeguard what matters most.
With strong tie-ups with leading insurance providers, we ensure you get customized policies, affordable premiums, and seamless claim support. Our team guides you in choosing the right plan based on your lifestyle, financial needs, and future goals.
Types of General Insurance We Offer
- Motor Insurance – Protects your car or two-wheeler against accidents, theft, and damages
- Health Insurance – Covers medical expenses, hospitalization, and critical illnesses
- Travel Insurance – Ensures worry-free trips with protection against medical emergencies, lost baggage, or trip cancellations
- Home Insurance – Safeguards your house and belongings from fire, theft, or natural disasters
- Business/Commercial Insurance – Covers risks related to business operations, assets, and employees
- Wide range of insurance plans under one roof
- Affordable premiums with flexible options
- Hassle-free documentation & claim assistance
- Trusted partnerships with leading insurers
- Expert guidance tailored to your needs
Frequently Asked Questions (FAQs) on General Insurance
General insurance provides financial protection against losses or damages other than death. It includes policies such as health, motor, travel, home, and business insurance, covering risks and unexpected events.
General insurance safeguards your health, assets, and finances from unforeseen risks like accidents, illnesses, theft, natural disasters, or business-related losses, ensuring peace of mind.
Health Insurance – Covers medical expenses and hospitalization
Motor Insurance – Protects vehicles against accidents, theft, and third-party liability
Travel Insurance – Covers emergencies during domestic or international travel
Home Insurance – Protects your property and belongings from fire, theft, or natural calamities
Business Insurance – Provides coverage for businesses, assets, and employees
Some forms of general insurance are mandatory by law, such as motor vehicle third-party liability insurance. Others, like health or travel insurance, are optional but highly recommended for financial security.
Premium depends on several factors, including type of insurance, coverage amount, age, location, health condition, value of asset (vehicle/home), and risk profile.
The process usually involves:
Informing the insurance company about the incident
Submitting claim form and necessary documents
Verification by the insurer
Claim settlement (cashless or reimbursement)
Yes. You can have multiple policies, like health, motor, and home insurance, at the same time. For the same risk (e.g., health), you may use multiple policies and split claims if needed.
Life Insurance covers risk of death and provides financial protection to dependents.
General Insurance covers risks related to health, assets, travel, business, or liabilities (not related to life).
Yes. Health insurance premiums qualify for tax deductions under Section 80D. However, other types of general insurance (motor, travel, home) typically do not offer tax benefits unless used for business purposes.
It depends on the type of insurance. For example:
Health Insurance may have a waiting period for pre-existing conditions (usually 2–4 years).
Accidental coverage is generally active from day one.
Motor and travel insurance coverage begins as per the policy start date.
