Business Insurance Policy

Effective risk management is the key to a successful business. Our comprehensive commercial product line is aimed at multi-type and multi-size businesses. We offer products that match your personal and business needs and provide you a perfect protection cover.



Avail of our Group Health Insurance policy to insure all your employees as well as their families against unforeseen medical expenses,allowing you the flexibility to choose covers as per your needs.

Scope of cover

  • Covers medical expenses incurred during Hospitalisation for a minimum period of 24 hours
  • 30 days pre-hospitalisation and 60 days post-hospitalisation expenses covered.

Key benefits

  • Flexible product which can be tailor made for your requirements.
  • Availability of Family Floater wherein any member of the family can avail of the Floater Sum Insured.
  • Cashless service available at all the network- hospitals

Additional coverage

    • Following are some of the covers which can be availed upon payment of additional premium

  • Pre-existing diseases
  • Maternity expenses with specific capping in sum insured.

*As per policy Terms & Conditions

Claim process

Network hospitals
    • In case of emergency or planned hospitalisation, just use your health card at the network hospitals and avail of cashless service

Non-Network hospitals
    • The claim form must be duly filled and signed after discharge from hospital. It should be accompanied with all original hospital bills with receipt for payments, doctor’s prescription and medicine bills, discharge summary from the hospital, pathological reports and other reports etc.

Documents required
  • Duly completed and signed claim form
  • Doctor’s report
  • All original Investigation reports like laboratory test, X-rays and reports essential for confirmation of the diagnosis
  • Discharge summary & final bills
  • Original Pharmacy bills and supporting consultations, wherever applicable


If a person is first diagnosed with COVID-19 during the policy period, we will paythe entire Sum Insured, as specified in the Policy Certificate against this cover, as a lump sum amount.

Value Added Services

Health Assistance
    • The insured person can reach our health assistance team via a dedicated helpline and get help for the following:

  • Identifying specialist/ Hospital
  • Fixing an appointment with Medical Practitioners wherever applicable on best effort basis
  • Providing options on suitable Network Providers
  • Providing information on ailments and possible lines of treatment
  • Providing for a second opinion

CHAT /Virtual Consultation
    • The insured person can also take the help of our virtual consultation service to reach out to healthcare professionals for assistance:

  • For routine health query, service can be availed during official hours Monday to Sat (excl. public holidays).
  • We will only be arranging to provide consultation. Any treatment, medication or investigation advised by the medical practitioner shall not be borne by the company.
  • There is no restriction on the number of times the health assistance service and CHAT can be availed.

Additional Coverage

The COVID-19 protection cover also comes with certain add-ons that can enhance the coverage provided to the insured.

  • Tele Consultation: 4 free calls to take any consultation with certified medical practitioners available on call 24 hrs., 365 days
  • Ambulance Assistance: We will provide assistance in arranging for an ambulance in case of any medical need. The service can be availed unlimited number of times. The cost of transportation will have to be borne by the insured.

Conditions for claim eligibility

  • The diagnosis must be confirmed by only those specific test(s) as defined by government authorities
  • The test for Novel Corona virus should be conducted in National institute of virology, Pune or any other Government designated laboratory in India, appointed for testing of COVID-19
  • The lab diagnosis must have been performed after the initial waiting period of 14 days.


  • Any travel history post Dec 31, 2019, to any affected area overseas
  • Any history of quarantine or diagnosis with COVID-19 prior to the risk inception or within the waiting period of 14 days
  • Any claim within first 14 days after policy inception

Documents Required

In the event of a claim, we must be intimated immediately but no later than 30 days from date of event/diagnosis. We must receive below mentioned mandatory documents for claim processing

  • Duly filled claim form by the Insured Person/claimant.
  • Lab report with sign and stamp, confirming positive for Corona virus.
  • The insured must have been tested positive for COVID-19 in National Institute of Virology, Pune or any other Government authorised laboratory in India.
  • Certificate from Government medical officer confirming diagnosis or from any medical practitioner authorised by government to issue such certificates
  • Declaration of “No travel” post 31 Dec 2019, (format will be shared shortly)
  • Any treatment papers, Doctor’s Certificate, Discharged Summary, other Investigation reports
  • Cancelled cheque and NEFT mandate form – duly filled in by the Insured Person/claimant

Terms & Conditions

  • Waiting period: Initial Waiting period of 14 days (Not applicable to VAS or Add on coverage)
  • Age: 18-75 yrs
  • No survival period
  • 1 year policy period
  • The scope of cover shall be within the geographical boundaries of India and restricted to Indian nationals only

Frequently Asked Questions

  • What is coverage under the policy?
    First diagnosis of COVID-19. This includes value added services like Health assistance benefit and chat/virtual consultation. There is an add-on coverage which includes tele consultation and ambulance assistance
  • Do you pay only in case of hospitalisation due to COVID-19?
    No, we will pay entire Sum Insured on first diagnosis of COVID-19, irrespective of hospitalisation.
  • What is the policy period?
    Policy Period is 1 year
  • Is there any waiting period applicable to the policy?
    Waiting Period is of 14 days
  • What is Survival period?
    Survival period means the minimum no. of days insured has to be alive post the diagnosis to avail the Benefit
  • Is survival period applicable under the policy?
    No, there is no survival period.
  • Is it indemnity cover or a benefit cover?
    It is a benefit policy.
  • What is Benefit cover?
    It is a cover where we pay the entire Sum Insured(usually as a lump sum) once the insured event is triggered
  • What is minimum age eligibility for the product?
    Minimum age -18 years.
  • What is maximum age eligibility for the product?
    Minimum age -75 years.
  • Are OPD expenses or hospitalisation expenses covered under the policy?
    No, we donot reimburse OPD/Hospitalisation bills. In the event of diagnosis due to COVID-19 we pay the entire Sum Insured provided to you irrespective of your bills
  • Can a Foreign passport holder avail this cover when in INDIA?
    Only Indian passport holders residing in India can be covered.
  • Does the product have worldwide coverage?
    No the coverage is limited to geographical boundaries of India
  • If a Person is already diagnosed with COVID- 19, can he still avail the product?
  • Any overseas ravel history of the insured post December 31, 2019, can we cover him?
  • If person diagnosed with COVID-19 prior to the risk inception date or within the initial waiting period of 14 days, will we pay him?
    NO, if the insured has been quarantined for suspected COVID-19 or diagnosed with COVID-19 prior to the risk inception date or within the initial 14-Day waiting period claim will not be paid
  • The person has been quarantined for suspected COVID-19 prior to policy start date, can we cover him?

Scope of Cover

The insurance policy compensates the insured in case of accidental death, loss of limbs and eyes, permanent total disablement and permanent partial disablement

Sum insured

The sum insured can be decided on the basis of earning capacity of the insured person.


The premium chargeable for the policy depends on occupation of the insured person and the table of benefits availed.

Significant exclusions

The Insurance Policy does not cover losses arising out of suicide, self-injury, venereal diseases, war and nuclear perils and pregnancy.

Group discount

The group policy is eligible for group discount based on the size of the group. The group discount is slab-wise and increases with the size of the group.

Main extension

Medical expenses following an accident.

This is not an exhaustive list. For details, please read our policy terms and conditions.


Workmen’s Compensation Policy offers monetary compensation to the employees/nominee in case of medical emergencies during their employment period.

Scope of cover

The policy, provides for two forms of insurance viz,

Table ‘A’ –Indemnity against legal liability to all employees (whether or not coming within the definition of the term Workmen) under the W.C.Act 1923 and subsequent amendment to the said Act prior to the date of issue of the policy, the Fatal Accidents Act, 1855 and at Common Law.

Table ‘B’ –Indemnity against legal liability under the Fatal Accidents Act, 1855 and Common Law. (Table ‘B’ policies may not be issued to cover employees who fall within the definition of “Workmen” under the Workmen’s Compensation Act, 1923 as amended).

Sum insured

    The sum insured is calculated on the basis of:
  • Earnings include wages, salaries, over time, board / lodging, and other perquisites


The premium rate depends on the occupation and wages of the workmen

Main extension

Medical extension can be given by charging extra premium.

This is not an exhaustive list. For details, please read our policy terms and conditions.

What is it?

It’s security for your goods while they are in transit. This policy secures business goods & personal belongings that are being transported within the country.

It covers your belongings against damage or loss happening anywhere from the source to destination.

Who needs it?

Having this policy is essential for businesses and individuals alike. Business shipments are usually high in value and any damage can directly impact business.

When it comes to an individual, relocation is regarded as one of the most stressful life events, be it for job change or marriage.

Whatever your reason may be for transporting your goods, our policy protects your goods against material damages.

Why do you need it?

As a businessperson your goods are of immense value to you. It’s your source of revenue. Insuring your goods against any untoward incident, while they are being transported, means securing your own future & business.

If you’re an individual and making a move due to personal or professional reasons, you’re likely to be worried about a lot of things already.

Your household items no doubt have memories attached to them and you have painstakingly collected each thing as you’ve moved ahead in life. Knowing that all your stuff is safe means you can breathe easy about this one thing at least.

Why us?

Our marine insurance policy is comprehensive and flexible enough to fulfil your needs. We understand the importance of swift response and efficient service in handling claims, which makes it more practical to get marine insurance directly from us.

What is included?

All the modes of transportation namely, air, water, rail & road are covered under this policy. Goods being transported via courier services are also insured.

Your goods in transit will be protected against vehicle collision, overturning, derailment, or accidents happening anywhere from the source to destination. This coverage can also be extended to loss or damage of goods due to theft, strike, riots, terrorism, and other hostile acts by human by opting for appropriate coverage as per one’s needs…

Standard Fire and Special Perils

We, at Devyani enterprises , understand the amount of effort you put in building up your business and see it flourish with increasing assets, property, machinery and stocks.

But life, as we know it, is full of uncertainties and not all of them are pleasant. A small negligence, a minor spark can bring your dreams down to ashes. Natural calamities such as earthquake, storm and flooding can put you property at risk.

To protect you against such uncertainties, medihealthplan has one of the best Standard Fire and special perils policy in the industry that safeguards you against the losses, backed by sound financial capability and most importantly, speedy claims settlement

Comprehensive Product Offering:

Standard fire and special perils policy:

Standard fire insurance policies provide coverage against financial loss or property damage caused by a fire or other covered perils.

What does it cover?

  • Fire
  • Lightning
  • Explosion/Implosion
  • Aircraft Damage
  • Riot, Strike, Malicious Damages & Terrorism
  • Storm, Tempest, Cyclone, Typhoon, Hurricane, Tornado, Flood and inundation
  • Impact damage
  • Subsidence, Landslide and Rock slide
  • Missile Testing operations
  • Bursting and/or overflowing of Water Tanks, Apparatus and Pipes
  • Leakage from Automatic Sprinkler Installations
  • Bush Fire

General exclusions from the policy:

  • War and war like perils
  • High value items like gold , precious stones, unless specified
  • Loss of earning due to market uncertainties
  • Loss due to theft, in amidst occurrence of any peril
  • Property not in the premises

Useful add-ons offered by medihealthplan to cover specific needs:

You can also choose among following covers, upon payment of additional premium.

  • Architects, Surveyors & Consulting Engineers fees (in excess of the provisions of the standard policy)
  • Debris Removal (in excess of the provisions of the standard policy)
  • Forest Fire
  • Impact Damage by your own vehicles etc.
  • Spontaneous combustion
  • Omission to insure Additions, Alterations or Extensions
  • Earthquake (Fire & Shock)
  • Spoilage Material Damage Cover
  • Leakage & Contamination Cover
  • Loss of Rent
  • Alternative Accommodation
  • Start Up Expenses
  • Terrorism Cover
  • Deterioration of Stocks


  • Expertise in risk minimization and mitigation
  • Special value added services team dedicated for risk advisory and safety installations
  • Best in the industry re-insurance mechanism
  • Speedy claims settlement with single documentation
  • Financial strength and supreme claims paying capacity

This is not an exhaustive list. For details, please read our policy terms and conditions.


Scope of cover

Legal liability for manufacturing, warehousing and construction industries towards damages to third party with respect to:

  • Accidental death
  • Bodily injury or disease
  • Loss or damage to property.
  • Legal costs and expenses incurred with the prior consent of the Insurer and within the limit of indemnity.
  • Main extension

    • Goods kept in custody of insured extension
    • Food and beverages extension
    • Sports facilities, swimming pool and other facilities extension
    • Transportation extension
    • Act of God Perils extension


    Scope of cover

    This policy broadly covers

    Legal liability for offices, schools, housing societies, hotels, restaurants and other such non industrial occupancies, towards damages to third party with respect to:

    • Accidental death
    • Bodily injury or disease
    • Loss or damage to property.

    Main extension

    • Goods kept in custody of insured extension
    • Food and beverages extension
    • Sports facilities, swimming pool and other facilities extension
    • Transportation extension
    • Act of God Perils extension



    Premium chargeable depends on the:

    • Doctor’s Specialization
    • Limits of indemnity selected
    • Ratio of limits

    Main Conditions

    • Excess / Deductible: 1% of Claim amount subject to a max of INR 100,000
    • Territory and Jurisdiction: India only