Marriages especially in India are the union of two individuals in the presence of God.

But
arranged marriage can become a long drawn out process, where finalizing the perfect match
may take months and even years. For a newly married couple, starting a new life together brings
in stress which takes a toll on the couple. This stress includes compatibility issues, external
relationships influencing marriages, balancing work-life, fear of commitment, unwillingness
to compromise. In addition to this the couple has certain needs and responsibilities they need
to fulfil.
Living a married life isn’t as easy as getting married. Right?! How many times has a simple “I
Love You” or “Sorry” helped resolve your issues as a couple?
With all this happening to you, we hope to take care of you when no one is.
We ensure recovery from downfalls and help you grow together as a stronger entity.
Traveling together is the first and one of the most exciting phases as a couple, and who wouldn’t
want everything to be perfect? But perfect is sometimes an illusion, however we at ICICI

Joka Duo | 9673124029 | IIM Calcutta | MBA (1st year)

believe in helping you survive through life’s most sudden mishaps, and hence have you covered
for your travel, health etc. during your trip because, well, we want you to enjoy without any
apprehensions.

Mental health of individuals in a marriage is critical to ensure a successful long lasting and
healthy relationship. With this insurance we hope to not only help you resolve tangible issues
like finance, physical health, demise etc. but also mental health issues like depression, caused
due to unplanned events and resolving relationship issues with counselling which will be
handled by the policy.

Sometimes, even after a lot of effort things might not work out, and divorce appears to be the
only viable option. We are here to support you during your counselling sessions to help your
marriage recover. However, if things don’t appear to get better we hope to help you through
your separation, because we understand how much this could affect you financially and
mentally, and we are here to make things easy for you as a couple.

Policy offerings you can pick from:

• Travel Insurance ( Policy covers 2 travels after signing up )

▪ Missed flights, rescheduling, baggage loss, passport loss
▪ Theft - Theft during the holiday
▪ Health - Hospitalization during travel
▪ Amount disbursed based on number days of travel
• Health Insurance
o Dealing with family pressures as a couple
• Counselling sessions for you and your family to help you get
through stressful situations
o Still-born baby/miscarriage
• Counselling sessions to help you deal with your grief
• Doctor visits for health issues
o Infertility issues
• Doctor visits
• Couple counselling for further assistance

Joka Duo | 9673124029 | IIM Calcutta | MBA (1st year)

 • Pet Insurance
▪ Financial assistance when the pet dies, or if the pet is lost or stolen
• Home structure and content insurance
▪ Damage of jointly owned property due to natural disaster
▪ Damage of jointly owned property due to fire
▪ Damage/theft of content inside home
• Unemployment Insurance (Both the individuals unemployed due to no fault of theirs)
▪ Expense reimbursement upto 2,00,000
▪ Reimbursement for relevant upskilling to secure new job
• Life Insurance
▪ Counselling to handle the loss of spouse
▪ Funeral expenses
▪ Financial assistance to handle existing assets
▪ Lump Sum payment of 1Cr given to the surviving spouse
• Divorce Insurance
▪ Counselling sessions
▪ Lawyer charges
▪ Financial support to individuals upto 6 months after separation
▪ Lump Sum payment of 1Cr divided in the ratio of contribution to
premium

For the executive board members:

Arranged marriage is one of the biggest enablers that helped create the offering. The prevalence
rate in India is 90% as compared to the world average which is only 55%. Moreover, with
increasing sense of individuality there is a greater chance of stress and problems among couples
leading to incompatibility issues. This has caused chances of divorce to increase to 1.4% in
India which wasn’t the case earlier. Additionally, with the increase in working women among
families both couples can now afford to contribute to the family. There is a growing awareness
and concern for mental health among couples leading to more conscious efforts taken by them.
Absence of such insurance policies focused only at married couples provides a
good opportunity to cater to this market.

Joka Duo | 9673124029 | IIM Calcutta | MBA (1st year)

This insurance policy gives a competitive advantage over the offerings that are available in the
present scenario. It gives specialized protection both spouses, not just as individuals but also
as an entity. It has been uniquely designed for the Indian scenario focusing on mental health
and relationships as compared to any other life insurance focusing just on demise, health or
travel. The policy offers benefits which are customizable, to help couples design an insurance
plan that suits them. What’s even better? This policy is open to same-sex marriages too.

The new offering is open to all married couples in India. India is home to 24 Cr households,
and each household having at least 1 married couple. Amongst these 85 lakh are middle, upper-
middle and affluent households who would be potential benefiters of this insurance.

Premium to be paid for a term of 40 years -

Monthly Insurance
Premium Cover*
Insurance Additional Conditions
(Customer (Management
Quote) Quote)
Health Insurance 2,000/- 20,00,000/- Waiting period of 2 years
Home Insurance 840/- 50,00,000/-
Pet insurance 30/- 30,000/-
1) Unemployment due to no fault
Unemployment
50/- 2,00,000/- of theirs
Insurance
2) Both individuals unemployed
Life Insurance Demise of spouse
Payout to individual spouses in the
Divorce Insurance 1000/- 1,00,00,000/- ratio of their contribution to
insurance
Total premium 3,920/-

* Any additional assistance would be covered by reinsurance

Joka Duo | 9673124029 | IIM Calcutta | MBA (1st year)