ICICI Prudential Life Insurance Company is a joint venture between ICICI Bank, one of the foremost financial services

companies of India and Prudential plc, one of the leading international financial services group headquartered in the United Kingdom. ICICI Prudential was amongst the first private sector life insurance companies to begin operations in December 2000 after receiving approval from Insurance Regulatory Development Authority (IRDA). ICICI Prudential Life's capital stands at Rs. 4,780 crores (as of September 30, 2010) with ICICI Bank and Prudential plc holding 74% and 26% stake respectively. For the period April 1, 2010 to September 30, 2010, the company garnered Rs 7,267 crores of total premiums and has underwritten over 10 million policies since inception. The company has a network of over 1,500 offices and over 1,60,000 advisors, as on September 30, 2010. The company has assets held over Rs. 65,000 crores as on September 30, 2010. Since the liberalization of Indian Insurance sector, ICICI Prudential Life Insurance has been one of the earliest private players. Since the time, ICICI Pru Life has been the leader in terms of market share as indicated by the IRDA (Insurance Regulatory and Development Authority, the regulator for Indian Insurance Industry) at its website.[citation needed] In June, 2009 ICICI Prudential Life Insurance has decided to snap its tie up with TTK Healthcare to settle insurance claims of its users.[1] ICICI Prudential's life insurance products may be loosely categorized under four forms- Life Plans (further categorised into Term Plans and Wealth Plans), Child Plans, Retirement Plans and Health Plans. Under Life Insurance Plan category it offers term plans like i-Protect online term plan, ICICI Pru Pure-Protect and ICICI Pru LifeGuard, and ULIP wealth plans like ICICI Pru LifeStage Wealth II, ICICI Pru LifeLink Wealth SP, ICICI Pru Pinnacle Super etc. Under the Child / Education Plan category it offers products like ICICI Pru SmartKid regular premium and ICICI Pru SmartKid Premier

Under the Retirement Insurance Plan category it offers products like ICICI Pru Forever Life & ICICI Pru LifeLink Pension SP. Under the Health Insurance Plan category it offers products like ICICI Pru Health Saver & ICICI Pru Hospital Care II. ICICI Pru health saver is a comprehensive whole of life health insurance plan that takes care of hospitalization costs as well as all your health care needs. ICICI Pru guaranteed savings insurance plans are for child education and marriage. ICICI Pru life link wealth plan- is a unique single premium ULIP that provides you the opportunity to enjoy market linked higher returns over the long term on your investment

HDFC Life (HDFC Standard Life Insurance Company) is an Indian private life insurance company. It is a joint venture between Housing Development Finance Corporation Ltd (HDFC) and Standard Life plc, provider of financial services in the UK. It was established after private companies were allowed to enter the insurance industry in the year 2000. HDFC holds 74% of the equity while Standard Life holds 26%.[1] Business Divisions The company is present across 700 cities in India and has a network of over 700 branches. Distribution Channels HDFC Life distributes its products through a multi channel network consisting of Insurance agents, Bancassurance partners (HDFC Bank, Saraswat Bank, Indian Bank), Direct channel, Brokers, Online buy channel Principal products category of the HDFC Life include Protection plans, Children‟s plans, Savings plans, Investment plans, Health plans, Women‟s Plan and Group insurance solutions. The company‟s portfolio currently consists of 28 retail, 9 group products and 10 rider benefits under savings, investment, protection and retirement product category.

especially the ULIP policies sold to the innocent customers by exploiting their trust and faith to the salespersons.navigation.[12] However.[4][5] Customers' Response A company's reputation or good will much depends on the consumers' satisfaction. The Company has an authorized and paid up capital of Rs 110 crores.[2] Though IRDA took some steps against such ["de jure"] ["ethical fraud"]. with covert high allocation charges. However IRDA could do nothing against various malpractices of this company. Thus.[3] the alleged criminal activities are also reported in the media. it is better to call the collaboration as. The responses given by the customers in different forums. Grahak Seva.[6][7][8][9] All over impact of the company is too good. SE. de jure "ethical fraud"[10][11]>. viz. Bajaj Allianz General Insurance received the Insurance Regulatory and Development Authority (IRDA) certificate of Registration on 2 May 2001 to conduct General Insurance business (including Health Insurance business) in India. Bajaj Finserv Limited holds 74% and the remaining 26% is held by Allianz. that infringes the right to information of the consumer is shown here as an example of extreme opacity[13]) are to be incorporated to prove this "ethical fraud" by the Bankers. The complains of cheating and looting are lodged against them. it is alleged that there are several loopholes and lacking of transparencies in their products. However. following Adam . Consumer Court and Mouthshut show the good performance of this insurance company.[1] It is a joint venture between Bajaj Finserv Limited (recently demerged from Bajaj Auto Limited) and Allianz AG. empirical case studies(One policy bond[?]. therefore a neologism is used to depict the situation. Collaboration with Standard Chartered Bank and CitiBank in India Standard Chartered Bank along with CitiBank introduced many insurance cum investment policies in collaboration with Bajaj Allianz Insurance Co. search Bajaj Allianz General Insurance Company Limited is an Indian insurance firm.

5 Crores in 2011 . property." [14] Cholamandalam MS General Insurance Company Ltd (Chola MS) is a joint venture between the Murugappa Group. Transparency and Technology.000 agents across the country. .[4] IndusInd Bank offers Insurance for individuals as well as corporate customers in association with Chola MS. The company achieved a Gross Written Premium (GWP)of Rs.[3] The company champions a brand philosophy of T3 – Trust. travel and rural insurance for individuals and corporate. liability. engineering. It is impossible indeed to prevent such meetings.12” in the Rashtriya Swasthya Bima Yojana (RSBY) scheme run by the Ministry of Labour & Employment. health.Smith. It was named the best insurance company for “In time Claims Settlement for the year 2011 . or in some contrivance to raise prices. The company has 93 branches and over 6.[6] Corporate History Chola MS General insurance company was established in 2001 and headquartered in Chennai. or would be consistent with liberty and justice. 1.[5] The company has also been awarded “Financial Insights Innovation Award” for innovation in mobile enablement – Claims Survey Process at the Asian Insurance Congress held in Singapore in 2011. but the conversation ends in a conspiracy against the public. The firm offers a wide range of products that include accident. India. collusion: "People of the same trade seldom meet together.12. marine. an Indian conglomerate and the Mitsui Sumitomo Insurance Group (MSIG) of Japan. Chola MS is a 74:26 joint venture between Murugappa Group South India‟s business conglomerate and Japan‟s largest general insurer Mitsui Sumitomo Insurance Group.346. Chola MS is also credited with being the first private insurer to get ISO 9001:2008 for the Motor Claims division. by any law which either could be executed. motor. even for merriment and diversion. Government of India.

Fire. This Organizational structure is spearheaded by S. Itprovidesg retail insurance products including Car Insurance. Gopalarathnam.734. 2000.[7] Home Insurance. India‟s second largest bank with USD 75 billion in assets and Fairfax Financial Holdings Limited. Car Insurance. Health Insurance. S. is the largest private sector general insurance company in India[3] with a Gross Written Premium (GWP) over 4. Engineering Operations. Travel Insurance. was incorporated on October 30. Fairfax .Overseas Student Travel Insurance. The company issued over 56 lakh policies and settled over 81 lakh claims. Two Wheeler Insurance and Home Insurance. The company has a network of 315 branches as on March 31. Based in Canada. Marine Insurance. 2011. Managing Director . The firm provides instant policy issuance and renewal through its website. and Personal accident insurance Corporate Insurance lines include Health.75 million)as of March 2011. and Liability Insurance Organizational structure Currently there are around 704 Chola MS employees. Corporate History [edit] Background of Formation ICICI Lombard GIC Ltd. Engineering Projects.89 crore (US$861. Property Crime.Business lines Individual Insurance lines include Health Insurance. It is a 74:26 joint venture between ICICI Bank Limited.[8] ICICI Lombard GIC Ltd. International Travel Insurance.

Liability Solutions. 2001. cattle. The Retail segment addresses Health. Travel Insurance. Travel and Personal Accident insurance. The Shared Services segment encompasses of areas like underwriting. central government and government owned enterprises. Motor Insurance. health and personal accident covers. Export Solutions. technology. Rural Solutions. customer service. ICICI Lombard got its regulatory approval from the Insurance Regulatory and Development Authority (IRDA) and also obtained its certificate on renewal of registration to undertake General Insurance business on August 3. Home Insurance. Personal Solutions. NRI Solutions [edit] Organizational structure ICICI Lombard‟s organizational structure comprises four key segments:     Corporate solutions group Financial inclusion solutions group Retail group Shared services The Corporate Solutions Group focuses on large conglomerates. Chanda Kochhar. Bhargav Dasgupta is Managing Director & CEO[when?] [edit] Operations [edit] Business lines ICICI Lombard offers general insurance products. . Home. Motor.Financial Holdings Limited is a USD 27 billion diversified financial services company. The Financial Inclusion Solutions Group offers insurance solutions to rural customers with weather. It spreads across into diverse product groups such as: Business Solutions. small and medium enterprises. Project Solutions. state. Export Import Transit. is Chairperson.

on a pilot basis in 35 selected districts of India. [edit] Specific services Telecalling ICICI Lombard was the first general insurance company in India to start telesales operations[citation needed] . The above schemes are alternative to the ongoing National Agricultural Insurance Scheme (NAIS) from the Rabi 2010-11 season. Chhattisgarh. finance and accounts.6 million acres of land that covers around 30 crop varieties. Uttar Pradesh. Haryana and Jharkhand. the introduction of 'do-not-call' (opt-out) lists is similar to the US 'Do Not Call Registry'. Madhya Pradesh. reinsurance.operations. The firm has a Do Not Call option. Himachal Pradesh. legal. public outburst against pushy and intrusive telecalling in general has led to a reduction in cold calling. Women Seri-culturists and workers Health Insurance scheme . human resources. administration and fraud control. Bihar. and covers more than 2 million farmers. The Modified National Agricultural Insurance Scheme (MNAIS) was launched by the Ministry of Agriculture. However in recent times. Tamil Nadu Karnataka. The states covered under this cover are Rajasthan. broking. marketing. Online Policies The firm was among the first companies to make their insurance products available online in India. The company has close to 7. It was the first company in India to provide Car Insurance policies online[citation needed] Weather insurance The firm's weather based crop insurance schemes were started in 2003-04. ICICI Lombard has web-based systems to meet pre and post-policy transactional needs. Also. ICICI Lombard was the only private insurer in India to have received a mandate to implement MNAIS in two districts of Uttaranchal and Madhya Pradesh.

Women employed in grainages and silk reeling units are exposed to serious health hazards. Rajiv Gandhi Shilpi Swasthya Bima Yojana The firm has introduced health insurance initiative for artisans in the country called RGSSBY (Rajiv Gandhi Shilpi Swasthya Bima Yojana). P & I Insurance.16 Crores in 2011-12. From a modest Rs 213 Crores of GWP (Gross Written Premium) in 2001-02 it has achieved Rs 2248.[citation needed] IFFCO Tokio General Insurance has got the Technical Support for underwriting and reinsurance from Tokio Marine and on Risk Management from Tokio Risk Consulting (TRC). from farmers to some of India's largest automobile manufacturers. It is among India's top three private-sector general insurance companies[citation needed] and has Pan India presence with 65 'Strategic Business Units' and a wide network of over 120 Lateral Spread Centers and 255 Bima Kendras.[citation needed] . Haryana. the largest listed insurance group in Japan[1]. IFFCO-TOKIO General Insurance (ITGI) is a joint venture between The Indian Farmers Fertiliser Cooperative Limited (IFFCO) and its associates and Tokio Marine & Nichido Fire Insurance Group. thereby becoming one of India's leading private players. Other than the conventional products. Fine Arts Insurance. it has niche products like Credit Insurance. 2000 and has its head office in Gurgaon. It offers a wide range of policies covering a wide range of customers. It's pioneering work using technology like RFID(Radio Frequency Identification Device) and NDVI (Normalised Difference Vegetation Index) have made it possible to offer Cattle and Weather insurance to the rural population at large. ITGI was incorporated on December 4. Errors & Omissions Policy for the IT Sector etc. A scheme providing coverage to women beneficiaries has been introduced for the welfare of women.

holds 1. TOKIO Marine Asia is a subsidiary company of Millea Holding Inc Japan. ITIS has a lacklustre workforce of over 1500 employees in over 350 towns.6 lakh contributed by cooperatives in 1967-68 has also risen to Rs. 1967 and since then has sold fertilisers and agricultural services to India's farming community.500 companies. It is a member of the highly diversified Mitsubishi group comprising over 1.36% shareholding in ITGI. Having the Largest Market share of Fertilisers Production in India with 30% in Complex Fertilisers and 21% in Urea it has also become the First Cooperative in India to set-up first ever Kisan SEZ (Special Economic Zone) at Nellore. Today. 4. The initial equity capital of Rs. the cooperative society has evolved into a gigantic Indian Multinational in the filed of production.TOKIO Marine Asia has non life operations in 9 Asian countries. Foreign Promoters: TOKIO Marine Asia Pte. a holding company for Tokio Marine & Nichido Fire (TMNF) Insurance Company.000 societies at present. Over the years. Ltd holds 26% shareholding in ITGI. Andhra Pradesh. .26 Million in 2010-11. Promoters[2] Indian Promoters: Indian Farmers Fertiliser Cooperative Limited (IFFCO) is the world's largest fertilizer manufacturer & marketer in cooperative sector. marketing and services to farmers.Tokio Marine & Nichido Fire Insurance Company has over 120 years of experience in the general insurance business[citation needed] and is the largest and oldest general insurance company of Japan.64% shareholding and its Associate M/s Indian Potash Ltd. IFFCO holds 72. IFFCO has steadily grown from strength to strength-from a modest membership of 57 societies in 1967-68 to more than 40.It is also the only insurance company in the country to have a 100%-owned distribution channel to service its retail customers called IFFCO-TOKIO Insurance Services Ltd (ITIS). It was incorporated on 3rd November.

home.Tokio Marine has been continuously serving as one of the important reinsurance companies to the nationalized Indian insurance market. Bharti has been a pioneering force in the Indian telecom sector with many firsts and innovations to its credit. which started its operations in India on January 22. Bharti Airtel Limited. energy. the group's flagship company. It offers a range of general insurance products including insurance for automobile. The Company ranks amongst the top 4 mobile service providers globally in terms of subscribers.[1] Tata Group holds 74 per cent stake in the insurance venture with AIG holding the balance 26 percent. Other business ventures of the group include Bharti Softbank .for mobile internet. is a leading global telecommunications company with operations in 20 countries across Asia and Africa. brokers. The Company's products are available through various channels of distribution like agents. Tata AIG General Insurance Company. Digital Marketing. a group . Tata AIG General Insurance Company Limited is an Indian general insurance company. banks (through bank assurance tie ups) and direct channels like Telemarketing. personal accident. worksite etc. retail and manufacturing.a JV between Bharti Enterprises and Softbank Corp . travel. financial services. provides insurance to individuals and corporates. agri business. Beetel Teletech. marine. At Bharti AXA GI Promoters About Bharti Enterprises: Bharti Enterprises is one of India‟s leading business groups with interests in telecom. property and casualty as well as several specialized financial lines. and a joint venture between the Tata Group and American International Group (AIG). 2001.

we always seek to make a difference through our professional and pragmatic approach and working as a team with at most . In 2011. AXA‟s American Depository Shares are also quoted on the OTC QX platform under the ticker symbol AXAHY. Through comprehensive and innovative insurance solutions. Employees. we live by the simple truth. Bharti has JVs with AXA.065 billion in assets under management as of December 31. and is the founding member of the UN Environment Programme‟s Finance Initiative (UNEP FI) Principles for Sustainable Insurance.with Wal-Mart for wholesale cash-and-carry and back-end supply chain management operations in India. AXA had Euro 1. such as Dow Jones Sustainability Index (DJSI) and FTSE4GOOD. Shareholders. with 163. world leader in financial protection and wealth management. to offer fresh and processed fruits and vegetables in the domestic as well as international markets. Vision and Values At Bharti AXA GI. is India‟s India‟s leading manufacturer and distributor of telecom and allied products.1 billion and IFRS underlying earnings to Euro 3. The group has a JV –FieldFresh Foods – with Del Monte Pacific Ltd. The group has presence in the retail sector through Bharti Retail that operates stores in multiple formats.PA). The AXA ordinary share is listed on compartment A of Euronext Paris under the ticker symbol CS (ISN FR0000120628 – Bloomberg: CS FP – Reuters: AXAF.company. we seek to redefine industry standards by offering unparalleled and empathetic service to every Indian. insurance plays an important role in protecting organizations and individual aspirations.000 employees serving 101 million clients. About AXA The AXA Group is a worldwide leader in insurance and asset management. Backed by our constant strive to find new and improved ways to add value to our customers through our innovative product and service offerings. This ropes in our collective vision “to be the preferred General Insurance Company for our Customers. The AXA Group is included in the main international SRI indexes. Business partners & Society”.9 billion. 2011. IFRS revenues amounted to Euro 86. for Life Insurance and General Insurance.Bharti Wal-Mart . It also has a JV .

integrity to maintain best in class standards we assure you to be by your side in your hour of need. a testimony to our focus on customer centricity. 3. 4. Pragmatism: Facing reality with courage and focusing on outcomes. Shareholders. one diverse team. agents. purpose and values: Our Vision : "To be the Preferred General Insurance Company for our Customers. Integrity: Always being responsible and doing the right thing. Innovation: Constantly striving to find new and improved ways to add value to all our stake holders. the highest in the market. Employees. 5. We do this on the strengths of our vision. Our dedicated team of employees. We have settled over one lakh claims in three years. partners and associates has enabled us to reach a milestone of one million policies in just three years. With sheer professionalism we have managed to surpass targets and double our growth in three years. Our Purpose: Bharti AXA General Insurance believes that insurance plays an important role in protecting organisations and individual aspirations. Our critical illness insurance covers 20 critical illnesses. 2. Business Partners & Society" Our Core Values: 1. Team Work : Being one company. realistic approach to insurance has made us amongst the fastest growing insurers in India. . Professionalism : Always seeking to make a difference.Our innovative spirit has driven us to launch revolutionary products. Our pragmatic. we seek to redefine industry standards by offering unparalleled and empathetic service to every Indian. Through our comprehensive and innovative insurance solutions. Our lifestyle solutions redefine the way customers look at health insurance.

" And this is what we have to redefine. Beyond promises. proof We don't want to make promises any more.The company launched national operations in December 2006.(APH). to establish an authentic relationship of trust with our clients. and Bharti Enterprises . regardless of the brand considered. in so doing. we want to demonstrate our ability to respond to client needs with real and tangible proof and.Bharti AXA Life is a life Insurance player that was started in 2006. The joint venture has a 74% stake from Bharti and 26% stake from AXA Asia Pacific Holdings Ltd. The level of trust is very inadequate today. and retail. We undertook an in-depth analysis wherein we identified the notion of preference was totally related to the trust granted to various names in insurance and financial services. agricultural business. These three attitudes stood out from the others in the consumer research we conducted across markets. This is because the perception of consumers is that we are all evolving only in "a world of promises. Bharti AXA Life has a national footprint of distributors trained to provide quality financial advice and insurance solutions to the large Indian customer base. They are at the heart of our actions and our commitments to clients.one of India's leading business groups with interests in telecom. regardless of their level of maturity. These are the three attitudes that clients most expect from an insurance and financial services company in exchange for their vote of confidence. . financial services. Bharti AXA Life offers a range of innovative products and services that cater to specific insurance and wealth management needs of customers. Today.. It brings together strong financial expertise of the Paris-headquartered AXA Group. Instead..

a fashion retail chain and Central. Pantaloon Retail employs around 30. retail media and logistics. brand development. In the lifestyle segment.000 people and is listed on the Indian stock exchanges. Headquartered in Mumbai (Bombay). the group operates Pantaloons. Mr. In the value segment. capital. leisure and entertainment. FUTURE GROUP Future Group.Future Generali ABOUT THE COMPANY: Future Generali is a joint venture between the India-based Future Group and the Italybased Generali Group. the group operates over 12 million square feet of retail space in 71 cities and towns and 65 rural locations across India. The company follows a multi-format retail strategy that captures almost the entire consumption basket of Indian customers. Big . a chain of seamless malls. Ltd. insurance. Led by its flagship enterprise. retail real estate development. led by its founder and Group CEO. While retail forms the core business activity of Future Group. Ltd. Future Generali is present in India in both the Life and Non-Life businesses as Future Generali India Life Insurance Co. its marquee brand. group subsidiaries are present in consumer finance. and Future Generali India Insurance Co. Kishore Biyani. Pantaloon Retail. is one of India‟s leading business houses with multiple businesses spanning across the consumption space.

Future Capital Holdings. Home Town and rural retail chain. Future Brands. Future Generali. Noodle Bar. Future Logistics. eZone. hotels and logistics. the group‟s financial arm.Future Group believes in developing strong insights on Indian consumers and building businesses based on Indian ideas. home improvement chain. Through its partner company.‟ The group‟s corporate credo is. Mumbaibased listed company Galaxy Entertainment Limited. It also operates popular shopping portal.futurebazaar. www. electronics retailer. Staples and Middle East-based Axiom Communications. provides investment advisory to assets worth over $1 billion that are being invested in consumer brands and companies. Spaghetti Kitchen. real estate. among others. Retain values. The Spoon.Bazaar is a hypermarket format that combines the look. It is also one of the world‟s top asset managers with assets totalling more than € 400 billion. as espoused in the group‟s core value of „Indianness.com. today the Group is one of Europe‟s largest insurance providers and the European biggest Life insurer. Copper Chimney and Gelato. and family entertainment centres. Galaxy leading leisure chains. Aadhaar. Blue Foods the group operates around 100 restaurants and food courts through brands like Bombay Blues. It also operates a consumer finance arm with branches in 150 locations. The group‟s presence in Leisure & Entertainment segment is led through. F123. US-based stationery products retailers. Planet Sports. the Group . The group‟s specialty retail formats include sportswear retailer. Established in Trieste in 1831. a brand development and IPR company.‟ THE GENERALI GROUP The Generali Group is a leading player in the global insurance and financial markets. providing logistics and distribution solutions to group companies and business partners and Future Media. touch and feel of Indian bazaars with the choice and convenience of modern retail. the group‟s insurance venture in partnership with Italy‟s Generali Group. Other group companies include. Future Group‟s joint venture partners include. With an employed sales force of more than 100. Sports Bar and Bowling Co. „Rewrite rules.000 people serving 70 million clients in 68 countries. a retail media initiative.

NEGATIVE Moody‟s: Aa3 STABLE About HDFC ERGO HDFC ERGO General Insurance Company Limited is a 74:26 joint venture between HDFC Limited. the primary insurance entity of Munich Re Group.occupies a leadership position in Western Europe and an increasingly important place in Eastern Europe and Asia.  Generali Group is one of the leading insurance groups in Europe.322 employees (15. We offer our customers complete range of general insurance products ranging from Motor. IDENTITY CARD Since its establishment.STABLE Fitch Ibca: AA. HDFC ERGO focuses on providing the “Right Insurance Solution” for all.956 in Italy) It has over € 400 billion of assets under management High rating assigned by the international rating agencies: o o o o A. . the Generali Group has always held a reputation for its capital and financial strength.M. India‟s premier Housing Finance Institution & ERGO International AG. establishing its leadership in profitability. Its solidity derives from prudent investment management and a focus on achieving a correct match between risk and medium/long-term profitability. The Group strategy aims to consolidate Generali‟s pre-eminence on its key markets and achieve a premier position on markets with high growth potential. with a 2009 total premium income of more than € 70 billion      It is present in 68 countries It has 70 million clients worldwide It has 85. BEST: A+ STABLE Standard & Poor‟s: AA.

the customers and the industry. Excellence: We will always strive to offer innovative products and services and endeavour to set new benchmarks to do things better each time. This helps us give our customers a seamless and hassle-free experience. Travel.Health. Values One single thing that takes us closer to our vision is our set of values . Dynamism: We will be pro-active with a "can do" approach." This vision acts as our guiding light and helps all of us be proud of the organization that we belong to. Home and Personal Accident in the retail space and customized products like Property. Sensitivity: We will build our business on empathy and an inherent understanding of both our internal and external customers‟ needs. Vision Our vision is "To be the most admired insurance company that enables the continued progress of customers by being responsive to their needs. Ethics and Dynamism (SEED). Marine and Liability Insurance in the corporate space. It is our constant endeavor to improvise and cater to every need of the modern day customer with superior customer support service. This happens by earning the respect of both. Excellence. Ethics: We will honour our commitments and be transparent in our dealings with all our stakeholders. Brokers.Sensitivity. HDFC ERGO has been expanding its presence across the country and is today present across 71 cities with 80 branch offices with an employee base of over 1234 professionals. Bancassurance and Direct Sales Team. The company has a right balance of distribution channel comprising of Dealerships. . Retail and Corporate Agents.

Share-holders and most importantly.To make our vision a reality. Liberty Videocon General Insurance Co. . With Liberty Mutual‟s 100 years of expertise in the insurance industry. more secure lives" since 1912. Our ethical approach and high levels of integrity enable us to „continue the tradition of trust‟ we have inherited from our parent company HDFC Ltd. to establish Liberty Videocon General Insurance Company Limited (Liberty Videocon). Liberty Videocon is here with a vision to build a customer-centric business to address the distinct needs of individual and corporate customers. based on 2011 direct premiums written as reported by the National Association of Insurance Commissioners. About Us . Business Partners. We ensure that it reflects in every task we perform. has received the license to carry on general insurance business from Insurance Regulatory Development Authority (IRDA) in the month of May 2012. Ltd. Employees.S. It helps us to work as a team towards creating and sustaining value for all our stakeholders. Boston-based Liberty Mutual Insurance is a diversified global insurer and the third largest property and casualty insurer in the U. About Liberty Mutual "Helping people live safer. Re-insurers. every decision we take. namely Customers. All backed by a prudent and disciplined underwriting philosophy and strong actuarial capability.Liberty Videocon General Insurance Indian giant Videocon Industries Limited has partnered with US-based Liberty Mutual Insurance Group – a leading global property and casualty group. we are committed to sow the SEED of our values and nurture it daily.

Mexico. Partners and Society at large. workers compensation. Liberty Mutual Insurance employs over 45. commercial automobile. group disability. with employee strength of more than 15. exploration and prospecting oil and gas.000 people in more than 900 offices throughout the world Fortune 100 Company 17 Countries 900 Offices $34. and Mozambique. 2011. homeowners. global specialty. Our Vision Liberty Videocon General Insurance Co. $99. Brazil. based on 2011 revenue. reinsurance and surety. Indonesia. providing GSM mobile telephone services.75 Billion Videocon Group having diversified business interests in white and brown goods. general liability.S. property.Liberty Mutual Insurance also ranks 84th on the Fortune 100 list of largest corporations in the U. and $34. Its activities are well spread out in India. believes that insurance plays a significant role in safeguarding organizations and individual aspirations.3 billion in consolidated liabilities. Employees. last mile retail. Ltd. Liberty Mutual Insurance had $117. and direct to home delivery of television contents.000. China. Through our insurance solutions and services which propagate realistic expectations.7 billion in annual consolidated revenue. power generation (both conventional and renewable energy).1 billion in consolidated assets. we aspire to be an attentive and empathetic entity to our Customers. including personal automobile. As of December 31. Liberty Mutual Insurance offers a wide range of insurance products and services.7 b Annual Consolidated Revenues About Videocon Industries Limited Videocon Industries Limited is the flagship company of $4. .

We are passionate about what we do. fair. in . calibre and capability.           L&T Overview L&T General Insurance Company Limited (L&T Insurance) is a wholly owned subsidiary of Larsen & Toubro Limited . AGILITY We assess opportunities and respond with speed. Our vision Our vision is to be an insurance company distinct in character. COMMITMENT We are committed to results and deliver on our promise. DIGNITY & RESPECT We will treat everyone fairly with dignity and respect.We believe in  Building a long-lasting relationships with our customers by keeping our interactions transparent . we strongly believe in building our business on: TRUST We relentlessly pursue to build trusting relationships with all our stakeholders. and being by their side at every step to deliver our promise  Building long term relationships with our partners by enhancing their capabilities and helping them grow  Providing long term fulfilling and challenging careers to our employees through early empowerment and personal growth   Our Values In order to become an attentive and empathetic insurer of choice for the nation. We are committed and equipped to offer the same levels of service in the insurance space that our parent (Larsen & Toubro Limited) is renowned for. PASSION We exude positive energy.one of the world's top 50 most reputed companies in the June 2009 issue of Forbes-Reputation Institute’s “World’s Most Reputable Companies” survey.

L&T forayed into the financial services space. We seek to create a single technological platform that integrates all the key functions to provide seamless services to our customers through any interface of their choice. It was ranked as 14th in 2011 by the Economic Times in their survey of the Top 500 Companies in India. Having established its foothold in engineering and construction. In this survey. Finally. engineering and construction group. industrial products and information technology. L&T Insurance will be a state-of-the-art technology-driven company that delivers world-class services. L&T Insurance comprises of an array of top notch Insurance Professionals who have come together to combine their experience and expertise to create an entity which will lead by innovation. backed by a prudent underwriting approach. backed by a world class brand and seven decades of unmatched leadership of the L&T Group. Financial Services has been identified as a strategically important business for L&T Group. We will cater to all lines of general and health insurance throughout the country. electrical and electronics. financial strength and expertise. customer-focused approach and the continuous quest for world-class quality have enabled it to attain and sustain leadership in all its major lines of business. Another feather in its cap was added when L&T was ranked 47th in the world in the June 2009 issue of Forbes-Reputation Institute‟s “World‟s Most Reputable Companies” survey. L&T was the only engineering and construction company in the world to have made it to the top 200. It has been L&T‟s vision to become a holistic . is a USD 12. it is our people who will help us achieve our vision. We bring to the table the credibility.its other fields of business. Our Heritage Larsen & Toubro Ltd.8 billion technology. with global operations. It is one of the largest and most respected companies in India's private sector. More than seven decades of a strong.

Customer satisfaction has always been our ultimate goal and we remain committed to constantly delivering your needs with our innovative products and services. Following a disciplined underwriting approach. L&T‟s „Financial Services‟ initiative will cater to an entire spectrum of customers.  Creating a world-class insurance company by constantly maintaining exalted quality standards in all our endeavours.player in this area of business.. Integrity .We will always take the high road by practicing the highest  . and a special focus on Rural and Micro Insurance. Corporates with business lines that include Property & Casualty.. Automobile.We relentlessly pursue excellence in everything we do. we believe in building our business on  Excellence . With an entire range of products and service offerings. We endeavour to provide a complete range of general insurance products and specialized services for various customer segments across Individuals. We work hard to constantly reinforce your trust in us. Philosophy The L&T Insurance Advantage We believe in. Focusing on different customer segments. We passionately raise the bar against bench marks set by the stakeholders.    Our Values In order to become an insurer of choice. Small and Medium Enterprises. Providing sustained innovation by working towards ever-evolving solutions. Health. This discipline and its importance to the company have been ingrained in all our employees. and their various financial needs. everyday. in the competitive market conditions prevailing today.

manage your policies and view the status of claims. products and processes. Anywhere access to your account through our 24X7 support on our website Our system has the capability to contact you through Internet. etc. time is money. We will treat everyone fairly with trust and respect. Innovation .    Technology Unravel the Power of Technology In this shrinking.We treat others the way we like to be treated always. Mobile (GPRS/SMS) and Telephone Capacity to help you generate „Quick quotes‟ and issue on-the-spot policies for select products   .Fulfilling stated & unstated expectations of internal and external customers. We truly understand this and this is what has prompted us to build a state-of-the art technology-driven company that delivers world-class services to all our stakeholders.We embrace. fast paced world. A single window will allow you to purchase new policies.ethical standards and by honouring organisational commitments. renew your policy. nurture and support creativity and the development of new ideas. This innovative technology platform will provide the following features in a phased manner  Anytime. Customer Centricity . Respect for Individual . We listen and empathize when dealing with others. we have envisaged a state-of-the-art technological platform that integrates all the key business functions to build a deeper customer connect and create uniform brand experience.We work together and foster collaboration while maintaining individual accountability. As a step towards this.  Team Work .

Magma has a diversified product portfolio. A loan every minute. tractor. manage and most importantly mitigate „Risk‟   ABOUT US About the Company Magma HDI General Insurance Co Ltd. We invest in the 'doers'. construction equipment.. we strive to drive progress for our customers. The vision of Magma HDI General Insurance Co Ltd is to become one of the premier general insurance providers in the Indian insurance space through simple and innovative products serving the entire gamut of insurance needs of a customer and providing exemplary customer service. and our 23+ years experience in underwriting has enabled us to extend support to the masses that have been excluded by the traditional financial systems. we change lives. using our IT platform to give you seamless automated services Single View of your account which includes your contact details. . we've been driven by one single. a million lives touched every year. ABOUT MAGMA Magma Fincorp Ltd Since we set up shop in 1989. Is a joint between Magma Fincorp Limited. purposeful goal. claims management. 2009 at Kolkata. and we give loans against gold. today (June'12) we manage assets worth over Rs. tracking your policy. In the 2013 fiscal year. employees and investors alike. commercial vehicles.137 billion.   Management of Business Process on „real-time‟ basis We have an Integrated Claims System for Motor & other portfolios Ability to connect to various health care Networks like Hospitals etc. Germany. family members and their details. The joint venture agreement between the two partners was signed on 28th July. and we we will start this business in the second half of the 2013 fiscal year. SME businesses. Magma will launch loans for affordable housing as a service.investing in the smallest dream. Magma Fincorp Ltd is one of the premier and largest NBFCs in India having a strong distribution and service network deep penetration in rural India. all in a single window Risk Management Systems that deploys different techniques to understand. and used vehicles. we give loans for: cars and utility vehicles. We believe we don't just give loans. while HDI-Gerling International is part of the TalanxGroup. We have signed a JV with Germany's HDI Gerling for our general insurance company. Kolkata and HDIGerling International Holding AG. for us it is just a beginning. Over 80% of our 200+ branches are in semi-urban and rural India. 3rd biggest insurance Group in Germany. our family of 6000+ Magmaites.

motor. accident.We believe that no dream should go unfulfilled because of the lack of funds. we are here to take you closer to yours. Talanx generated premium income of approximately EUR 23. What makes us different in the General Insurance space? As an organization we believe that we are uniquely poised to help our clients through these tough times. . since complex risks in industry and mid-sized business necessitate special protection. HDI Gerling also offers Life Insurance. our customers' trust has fueled our own dream.7 billion. as Raheja QBE. Raheja QBE marries the Rajan Raheja Group’s success and experience across various business sectors in India with QBE’s global expertise in insurance to clients here. After fulfilling many such dreams. Talanx was the third-largest German insurance Group and the eleventh-largest European insurance 1 group in 2011 (based on gross written premium). special lines and engineering covers. Corporate and industrial clients in Germany and abroad profit from decades of experience in risk assessment and risk management. As an internationally operating industrial insurer HDI-Gerling Industrie supports its clients at home and abroad with solutions optimally attuned to the needs of its customers.term and unit linked and Retirement solutions. In 2011. The company is active in more than 130 countries through subsidiaries and network partners. Being one of the fastest growing economies. one of India’s most dynamic and diversified business group brings QBE (one of the world’s most respected Insurance companies) back to India. who wants to take his family on their first long drive. the dream of a fleet operator. that's where we step in. Everyone has a dream to reach out to. came into being in 2006 through a marriage of the two long-established HDI and Gerling brands . which transacts business today in the divisions of Retail Germany and Industrial Lines. The rating agency Standard & Poor's has given the Talanx Primary Group a financial strength rating of A+/stable (strong) and the Hannover Re Group one of AA-/stable (very strong). The Industrial Lines division of the Talanx Group is led by HDI-Gerling Industrie Versicherung AG. HDI. HDI-Gerling offers its customers in Germany and worldwide comprehensive insurance protection tailored to their needs. fire and property insurance to marine.to become the largest retail-finance company in the country. while another group company Hannover Re is one of the world's leading reinsurers. The range of products and services extends from liability. What sets us apart is our conservative approach to balance sheet management and one simple philosophy – make business decisions that reduce the volatility of our results and offer our customers superior stability. The dream of a first-time car buyer. whose business has grown from a single commercial vehicle to a fleet of 25. is a part of Hannover based Talanx group.each of which can draw on more than 100 years of experience.Gerling. ABOUT HDI GERLING HDI-Gerling Industrie Versicherung AG The HDI-Gerling brand. About Raheja QBE The Rajan Raheja Group.a multi-brand provider within insurance and financial services industries and operates in around 150 counties of the world. India is high on aspirations but low on funding.

personalized customer services. Royal Sundaram also offers specially designed products to the Small and Medium enterprises and Rural customers. Some of the other achievements to our credits are:      The First Insurer to introduce Cashless Mode of Settlement for Health Claims The First private insurer to introduce innovative Health products like Hospital Cash The First private Insurer to tie up with banks (affinity partners) for selling retail products into their customers network The First Insurer to partner with the top banks in the country and also have a co-branded credit card Preferred Insurer of leading automobile manufacturing companies Currently. one of the oldest and the second largest general insurer in the UK. India and QBE Holdings (AAP) Pty Limited. and RSA. Distribution Partners. Add to this an A+ rating by Standard and Poor’s Insurance Financial Strength rating for QBE Insurance internationally. RQBE Values      Integrity Teamwork High Achievement Service Excellence Building Shareholder Wealth Royal Sundaram Royal Sundaram Royal Sundaram Alliance Insurance Company Limited takes pride to be the first private sector general insurance company in India to be licensed since 2001. a joint venture general insurance company promoted by Prism Cement Limited. families and businesses. a wholly owned subsidiary of QBE Insurance Group Limited. Royal Sundaram is a name to reckon within the insurance market with the commitment it upholds for superior customer service delivery. through Agents. . people and investors. RQBE Vision To be the first choice for our customers. 1938 with the Insurance Regulatory and Development Authority (IRDA). We come with golden heritage and reliability of our promoters . Personal Accident. over 1700 employees and its products are distributed in over 180 cities across India. Health. The testimony of this is. and you can now get a sense on why we’re really ‘Good people to be with’. Raheja QBE General Insurance Company Limited.As RQBE. Liability and Business Interruption risks to the commercial customers. we can draw on QBE’s years of global success in risk management. Since then we have been at the forefront of providing innovative general insurance solutions to individuals. one of the most respected non-banking financial institution in India. their track record of business stability and the skill and expertise of QBE’s global resourc e pool. We also have a wide specialised insurance offerings in Fire.Sundaram Finance. Home and Travel Insurance to individual customers. Australia has been registered as a General Insurer under Section 3 of the Insurance Act. The Certificate of Registration (Forms IRDA/R3) has been issued by IRDA on 12. Royal Sundaram has over 5 million customers. Today.08. commitment and professionalism. Marine. The coming together of these two financial giants allows us to offer the best global practices. Affinity Partners and Brokers. Engineering. innovation of products and services and unmatched. our Accident & Health claims process received ISO 9001-2008 certification for effective customer service delivery. We offer Motor. Royal Sundaram's foundations are built on high value system of trust.12.

Home loans. Sundaram Direct. Asset Management. deposits etc. Asia and the Middle East. a Non-Banking Finance Company. profits. Group Personal Accident & Miscellaneous Insurance for Businesses. loans. life & general insurance. arguably one of the largest in the world. Focusing on general insurance.19 Crores. SBI General has emerged as one of the few General Insurance companies in India to have a dedicated SME Team catering exclusively to the needs of SME Segment. Ireland. SBI owns 74% of the total capital and IAG the remaining 26%. construction equipment & tractors.e. assets. it has around 23. is one of the most respected financial services companies in India. It has the capability to write business in over 130 countries and major operations in the UK. It finances the entire range of commercial vehicles. . Canada. Marine. SBI Group has the unrivalled strength of over 19. its retail distribution arm offers multiple choices of various financial products like. Corporate Segment (catering mid to large size Companies) and SME Segment. Agency. Package. The Group's operations also extend to Insurance. about RSA With a 300 year heritage.250. deposits. In a short span. SBI General Insurance Company Limited SBI General Insurance Company Limited is a joint venture between the State Bank of India and Insurance Australia Group (IAG). SBI General closed the financial year 2011-12 with a Gross Written Premium of Rs.000 employees and.000 branches across the country. RSA is one of the world's leading multinational quoted insurance groups. State Bank of India is country's largest & a premier commercial Bank in terms of balance sheet.about Sundaram Finance Sundaram Finance. SBI General follows a robust multi-distribution model encompassing Bancassurance. Bancassurance is the major channel and will continue to be so during the next few years. mutual funds. Business Process outsourcing and Infotech Solutions. Construction & Engineering. About State Bank of India State Bank of India enjoys the largest banking franchise in India. branches and employees. State Bank of India is today going through a momentous phase of Change and Transformation. Broking & Retail Direct Channels. Retail Segment (catering to Individual & Families). Health & Home Insurance for Individuals and Fire. Sundaram Finance has a nationwide presence with over 500 branches and over half a million customers and depositors who are serviced by over 2500 employees. passenger cars.5 billion. to its customers through out India. We are currently serving 3 key customer segments i. in 2010. its net written premiums were £7. Latin America and Central and Eastern Europe. SBI General's current geographical coverage extends to 25 cities pan India and plans are on to extend this reach to another 25 cities before the end of the current financial year. Current Policy offering of SBI General covers Motor. Group Health. Along with its 5 Associate Banks. Scandinavia..

IAG is an ASX top 40 company with a market capitalisation of approximately A$6. IAG's businesses underwrite around A$9. In 2009. IAG operates some of Australia's leading general insurance brands including NRMA Insurance. Products are sold: . motor dealerships and financial institutions. IAG operates some of Australia's leading general insurance brands including NRMA Insurance.6bn. under several brands. State Bank of India today offers one of the largest banking network to the Indian customer. About Insurance Australia Group Insurance Australia Group Limited (IAG) is an international general insurance group.000 branch network. New Zealand.141 ATMs of its own & 27. IAG's Australian operations distribute a range of personal and commercial insurance products. it also launched an on-line insurance business called The Buzz. with operations in Australia. and Indirectly to customers through intermediary channels. Mobile Banking. In 2009. the United Kingdom and Asia.600 people. SGIO. SGIC and Swann Insurance. authorised representatives. IAG is a Member of the Dow Jones Global Sustainability World Index. IAG's businesses underwrite around A$9.0 billion of premium per annum and employ around 13. SGIC and Swann Insurance.0 billion of premium per annum and employ around 13. structured products etc each one of these initiatives having a huge potential for growth. under several brands. The Bank is surging ahead with cutting edge technology and innovative new banking models. CGU. Advisory Services. CGU.The Bank has ventured into many new businesses with strategic tie ups in Pension Funds. Point of Sale Merchant Acquisition. Products are sold:   Directly to customers through both branch and agency networks throughout Australia as well as via call centres and on-line facilities.   IAG has been assigned a 'Very Strong' Insurer Financial Strength Rating of 'AA-' by Standard & Poor's for its key wholly owned insurance companies. New Zealand. IAG is an ASX top 40 company with a market capitalisation of approximately A$6. Custodial Services. including insurance brokers.286 ATMs including its associate banks (as of 31st March 2012) complementing its over 19. About Insurance Australia Group Insurance Australia Group Limited (IAG) is an international general insurance group. the United Kingdom and Asia. SGIO. IAG is a Member of the Dow Jones Global Sustainability World Index. With 22. General Insurance. IAG's Australian operations distribute a range of personal and commercial insurance products. to expand its reach. IAG's heritage dates back to 1925 when the National Roads and Motorists' Association (NRMA) started providing insurance to its members in New South Wales (NSW) and the Australian Capital Territory (ACT). IAG's heritage dates back to 1925 when the National Roads and Motorists' Association (NRMA) started providing insurance to its members in New South Wales (NSW) and the Australian Capital Territory (ACT).6bn. it also launched an on-line insurance business called The Buzz.   IAG has been assigned a 'Very Strong' Insurer Financial Strength Rating of 'AA-' by Standard & Poor's for its key wholly owned insurance companies.600 people. Private Equity. with operations in Australia.

and Indirectly to customers through intermediary channels. including insurance brokers. . motor dealerships and financial institutions. Vision  Be the most trusted general insurer in India with fair and transparent business practices. leading the Nation's effort in increasing insurance penetration. authorised representatives.  Directly to customers through both branch and agency networks throughout Australia as well as via call centres and on-line facilities.

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