Health Insurance
Comprehensive health coverage for individuals and families including hospitalization, daycare procedures, pre and post hospitalization expenses, critical illness protection and cashless treatment facilities.
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Comprehensive Insurance Solutions
Every category below includes detailed guidance on benefits, ideal buyers, and common questions. Speak with an advisor for personalized comparison across our insurer partners.
Insurance Products Overview
Corporate Health Insurance
Employee health insurance solutions designed for startups, SMEs and large organizations with customizable benefits and wellness programs.
Learn moreTerm Insurance
Financial protection for your loved ones through pure life insurance coverage with affordable premiums and high coverage amounts.
Learn moreMotor Insurance
Comprehensive protection for cars and two-wheelers covering accidents, theft, natural disasters and third-party liabilities.
Learn moreTravel Insurance
Coverage against medical emergencies, trip delays, baggage loss and travel disruptions during domestic and international trips.
Learn moreSME Insurance
Business protection solutions covering assets, employees, liabilities and operational risks.
Learn moreProperty Insurance
Protect residential, commercial and industrial properties against fire, natural disasters and accidental damage.
Learn moreLiability Insurance
Coverage against legal liabilities, professional risks and third-party claims.
Learn moreHealth Insurance
Health insurance protects you from the financial impact of medical emergencies, planned surgeries, and ongoing healthcare needs. As an IRDAI registered broker, White Shield compares individual, family floater, and senior citizen plans across leading insurers to match sum insured, room rent limits, co-pay structures, and network hospital access with your budget and medical history.
Key Benefits
- Cashless treatment at network hospitals nationwide
- Coverage for pre and post hospitalization expenses
- Daycare procedures without 24-hour admission requirement
- No Claim Bonus and restoration of sum insured options
- Critical illness and maternity add-ons where applicable
- Annual health check-ups and wellness benefits on select plans
Who Should Buy
- Individuals without employer-sponsored coverage
- Families seeking a single floater policy for parents and children
- Self-employed professionals and business owners
- Anyone upgrading from basic employer cover to comprehensive protection
Frequently Asked Questions
For metro cities, we typically recommend starting at ₹10–15 Lakhs for young families and ₹20–25 Lakhs if parents are included. Inflation in medical costs makes higher sum insured valuable over a 10-year horizon.
Most plans cover pre-existing conditions after a waiting period of 2–4 years. Disclosure at purchase is essential. We help you compare waiting periods and exclusions across insurers.
Yes, IRDAI allows portability with continuity of waiting period benefits. White Shield manages the porting documentation and insurer coordination.
Corporate Health Insurance
Group health insurance strengthens employee retention, reduces absenteeism, and demonstrates organizational care. We design plans for startups (10+ lives), growing SMEs, and enterprises with flexible sum insured slabs, parental coverage, maternity benefits, and wellness partnerships.
Key Benefits
- Customizable sum insured by employee grade
- Parental and dependent coverage extensions
- Corporate wellness and mental health program integration
- Dedicated HR and employee claims helpline
- Renewal benchmarking across insurer quotes
- Compliance with contractual and statutory requirements
Who Should Buy
- Startups building their first employee benefits package
- SMEs renewing or restructuring group mediclaim
- HR teams seeking better claims experience for employees
- Companies expanding to multiple office locations
Frequently Asked Questions
Most insurers accept groups from 7–10 employees, though terms vary. We advise on the most cost-effective structure for your headcount.
Yes, many group plans offer parental coverage as an optional or embedded benefit. We model premium impact before you commit.
Employees contact our dedicated corporate desk. We coordinate cashless approvals and reimbursement follow-ups directly with insurers.
Term Insurance
Term insurance provides high life cover at affordable premiums for a fixed policy term. It is the foundation of financial planning for families with loans, children's education goals, or dependent parents. White Shield compares pure term plans, return-of-premium variants, and riders across insurers.
Key Benefits
- High coverage amounts at low annual premiums
- Critical illness, accidental death, and waiver of premium riders
- Tax benefits under Section 80C on premiums paid
- Flexible policy terms up to age 85 on select plans
- Online medical underwriting for faster issuance
Who Should Buy
- Primary earners with financial dependents
- New parents and couples with home loans
- Young professionals starting long-term protection early
- Business partners needing key person coverage
Frequently Asked Questions
A common approach is 15–20 times annual income plus outstanding liabilities. Our advisors run a needs analysis based on your goals, not generic multiples.
Brokers help compare exclusions, claim settlement ratios, and rider suitability. At claim time, having an advisor matters significantly for nominees.
The policy lapses after the grace period. Revival may be possible within specified years with medical underwriting. We send proactive renewal reminders.
Motor Insurance
Motor insurance is mandatory for third-party liability and essential for protecting your vehicle investment. We offer comprehensive and third-party plans for private cars, commercial vehicles, and two-wheelers with add-ons like zero depreciation, engine protect, and roadside assistance.
Key Benefits
- Own damage cover for accidents, theft, fire, and natural calamities
- Third-party liability cover as per Motor Vehicles Act
- Cashless repairs at insurer-authorised garages
- No Claim Bonus transfer and retention guidance
- Add-ons tailored to vehicle age and usage patterns
Who Should Buy
- New vehicle owners seeking comprehensive first-year cover
- Families with multiple cars needing consolidated renewal support
- Commercial fleet operators requiring claims coordination
- Two-wheeler commuters in high-traffic urban areas
Frequently Asked Questions
It ensures you receive full claim amount for replaced parts without depreciation deduction. Highly recommended for vehicles under 5 years old.
Notify White Shield immediately after the incident. We guide FIR requirements, surveyor appointments, and garage estimates until settlement.
Yes, with proof of prior policy and no-claim history. We handle NCB transfer documentation during renewal.
Travel Insurance
Travel insurance safeguards your trip investment and health abroad. Coverage includes medical emergencies, trip cancellation, baggage loss, flight delays, and personal liability. We issue single-trip, multi-trip annual, and student travel policies.
Key Benefits
- Emergency medical expenses including evacuation
- Trip cancellation and curtailment reimbursement
- Lost passport and baggage assistance
- Adventure sports cover on select plans
- Schengen-compliant policies for visa applications
Who Should Buy
- International vacation and business travellers
- Students pursuing education overseas
- Families on domestic holidays with prepaid bookings
- Senior citizens travelling with medical considerations
Frequently Asked Questions
Yes, minimum €30,000 medical cover is required. We issue compliant certificates accepted by embassies.
Coverage varies by insurer and plan date. We explain current epidemic and pandemic exclusions before purchase.
Ideally at the time of booking flights or hotels to maximize cancellation benefit eligibility.
SME Insurance
Small and medium enterprises face diverse risks from property damage, business interruption, employee injury, and cyber incidents. White Shield bundles fire, burglary, machinery breakdown, marine, and liability covers into coherent SME protection programs.
Key Benefits
- Combined property and business interruption cover
- Employee compensation and group accident policies
- Cyber liability and data breach response options
- Flexible payment terms aligned with cash flow
- Single advisor for multiple policy renewals
Who Should Buy
- Manufacturing and warehouse operations
- Retail chains and franchise businesses
- IT and professional services firms
- Trading companies with goods-in-transit exposure
Frequently Asked Questions
It compensates for lost income and fixed costs when operations halt due to an insured event like fire or machinery breakdown.
Increasingly yes. Ransomware and data breach costs affect businesses of all sizes. We assess your digital exposure before recommending cover.
Absolutely. We review coverage annually as headcount, locations, and revenue change.
Property Insurance
Property insurance protects buildings, contents, and fixtures against fire, lightning, explosion, storm, flood, and burglary. We cover homes, offices, shops, warehouses, and industrial plants with accurate reinstatement value assessment.
Key Benefits
- Building and contents cover on reinstatement basis
- Natural catastrophe extensions where available
- Tenant and landlord liability options
- Rent loss cover for landlords
- Burglary and electronic equipment add-ons
Who Should Buy
- Homeowners with significant interior investments
- Commercial property owners and REIT managers
- Shopkeepers and restaurant operators
- Industrial units with machinery and stock
Frequently Asked Questions
For buildings, reinstatement value excluding land is used. We help avoid under-insurance that leads to average clause deductions at claim time.
Valuable contents require scheduled items or separate cover. We structure policies to reflect actual asset values.
Flood and inundation cover depends on location and insurer. We disclose geographic exclusions clearly before purchase.
Liability Insurance
Liability insurance protects businesses and professionals from legal claims arising from bodily injury, property damage, negligence, or product defects. Products include public liability, professional indemnity, directors and officers, and product liability covers.
Key Benefits
- Legal defence cost coverage within policy limits
- Protection against third-party injury and property claims
- Professional indemnity for doctors, architects, consultants
- D&O cover for board members and executives
- Contractual compliance for client mandates
Who Should Buy
- Medical practitioners and clinics
- Architects, engineers, and IT consultants
- Product manufacturers and exporters
- Company directors seeking personal asset protection
Frequently Asked Questions
It covers claims alleging professional negligence, errors, or omissions in services rendered. Limits are chosen based on contract requirements and exposure.
Not always by law, but clients and venues increasingly require proof of cover. We issue certificates for tender submissions.
Generally no. Policies cover compensatory damages and defence costs as defined in the policy wording.
Insurer Partners for This Category
We compare plans from multiple insurers for every product line.
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Insurance Isn't About Policies. It's About Having Someone In Your Corner.
Not sure which product fits your situation? Our advisors will map your needs to the right coverage mix.
- IRDAI registered broker
- 24×7 claims assistance
- No-obligation advisory