Article

General Insurance
September 14 , 2012

Broadly insurance can be classified as life insurance and general insurance. General insurance applies to all events and phenomenon except life. Many assets we use give us monetary returns, for instance a house or a commercial vehicle. We use other assets that increase our comforts and convenience, like a car or laptop. These assets can be exposed to many risks such as damage by fire, theft, flood or accident. The damaged asset would strip us of potential income or precious convenience. General insurance covers these risks. 

Thus general insurance, also called as non-life insurance covers health insurance, property insurance, motor insurance, fire insurance, marine insurance and business insurance.

IRDA classifies non-life insurance into three categories - fire, marine and miscellaneous.

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