Ohmshree Insurance & Investments International Balaghat, Madhya Pradesh

General Insurance Service is an insurance policy that protects you against losses and damages other than those covered by life insurance. The coverage period for most General Insurance Services, policies and plans is usually one year, whereby premiums are normally paid on a one-time basis. It is vital for you to know about the risks covered to ensure that you and your family are protected from unforeseen losses, which can be done through our General Insurance Services.   SBI General Insurance Product Code – HCI0001 : Your greatest wealth is your health. Life follows no fixed plan and a sudden illness that is critical can sometimes leave you financially hurt and highly stressed. SBI General’s Critical Illness Insurance Policy helps you to be in control by protecting you financially. SBI General’s Critical Illness Insurance Policy covers you against thirteen most important critical illnesses. The Policy provides for a fixed sum, irrespective of your actual medical expenses! It helps you bear the high cost of treatment associated with critical illness & stay financially stable. Product Code – HHDC001 : Your greatest wealth is your health. Life follows no fixed plan and a sudden illness/Disease/Accidental injury can sometimes leave you financially hurt and highly stressed. Even your traditional Health Insurance Policy may not cover all the expenses related to the illness/injury. With SBI General’s Hospital Daily Cash Insurance Policy you can be in control of situations like this. The Policy provides you with fixed benefit for each day of hospitalization irrespective of the actual medical cost. Thus, provides you with additional protection & takes care of additional expenses which are not covered under your Health Insurance Policy such as traveling, food etc. IRDA Reg. No. 144 dated 15/12/2009 : Whether you travel alone, with family or business associates, you would certainly want your trip abroad to be as per your plan. Despite all that careful planning, there may be unforeseen events beyond your control. This may take your peace of mind and put you completely out of control. SBI General’s Travel Insurance (Business and Holiday) provides comprehensive cover for you and your family when you are globetrotting. It covers you against medical and other financial emergencies during your trip abroad and help restore your peace and be in control of the situation. Travel in peace anywhere in the world with SBI General’s Travel Insurance Policy Product Code – PMCAR01 : Life is one great balancing act. As you set to get the best out of life, you do encounter life's little road blocks like accidents and thefts. The best way to handle them is to just move ahead and enjoy the journey rather than get bogged down. With SBI General's Private Car Package Policy, you be in control no matter what the little road blocks that life throws at you. Product Code – PM2W001 : Life is one great balancing act. As you set to get the best out of life, you do encounter life's little road blocks like accidents andthefts. The best way to handle them is to just move ahead and enjoy the journey rather than get bogged down. With SBI General's Two Wheeler Package Policy, you can be in control no matter what the little road blocks that life throws at you. Product Code – HOMLT01 : Protect it with SBI General's Long Term Home Insurance Policy. You spend your lifetime in dreaming about a home of your own. You take the help of financial institutions to fulfil your dream. Along with the pleasure of fulfilling your dream come the liability and the responsibility of paying for the same over the next few years. At SBI General, we make things easy for you to protect your dream home. With SBI General's Long Term Home Insurance Policy, you can truly enjoy the home you have just acquired. Product Code – FIRSP01 : Take Control of your business's destiny with the help of SBI General Insurance, With product like Standard Fire & special Perils Insurance Policy, you can safeguard your assets that you value most. Basis for Indemnity - As the Policy can be availed of either on Market Value or on Reinstatement Value of the property being insured, the basis of indemnity also differs accordingly. In either case, if the Sum Insured is less than the amount required to be insured, the Company will pay only in such proportion as the Sum Insured bears to the amount required to be insured. Every item (if more than one) shall be subject to this condition separately  

Life Insurance Service is an insurance coverage that pays out a certain amount of money to the insured or their specified beneficiaries upon a certain event such as death of an individual who is insured. The coverage period for Life Insurance is usually more than a year. Therefore, this requires periodic premium payments, either monthly, quarterly, or annually. The risks that are covered by Life Insurance are premature death, income during retirement, illness, etc.The Main Products of Life Insurance Include : Whole life Endowment Term Investment-linked Life annuity plan Medical and Health   UIN : 111N055V02 - Product Code : 35 Shubh Nivesh is a non- linked, with profit Endowment Assurance product with an option of Whole Life coverage. The basic purpose is to provide Savings, Income and Insurance Cover to you and your family. Not only you can save regularly for your future but you also have the flexibility to receive the maturity amount as a lump sum or as a regular income for a chosen period, depending upon your needs. (UIN : 111N096V01) (Product Code : 1N) On Survival Before maturity: The survival benefit installments expressed as a fixed percentage of basic sum assured payable at the end of specified durations during the policy term, as explained above. At maturity: Final survival benefit installment + Vested simple reversionary bonus + Terminal bonus, if any. On Death: In the unfortunate event of death during the term of the plan, provided the policy is in-force Higher of A or B is paid to the nominee, where: A = Sum Assured on death + Vested Simple Reversionary Bonuses + Terminal bonus, if any. Sum Assured on death is higher of Basic Sum Assured or a multiple of annualised premium; where multiple is Policy Term Age at entry of Life Assured less than 45 years Age at entry of Life Assured 45 years or more 12, 15, 20 or 25 10 7 B = Minimum death benefit which is equal to 105% of all the premiums paid. Other Benefits Additional cover through four set of riders: - SBI Life - Preferred Term Rider (UIN:111B014V02): The Preferred Term rider Sum Assured is payable in addition to normal death benefit SBI Life - Accidental Death Benefit Rider (UIN: 111B015V02): In case death due to an accident, the rider Sum Assured is payable in addition to normal death benefit SBI Life Accidental Total &Permanent Disability Benefit Rider (111B016V02): The rider Sum Assured will be paid on the Life Assured being found eligible for the Total & Permanent Disability Benefit as defined in the policy document. SBI Life - Criti Care 13 Non-Linked Rider (UIN: 111B025V02): The rider sum assured would be payable on the life assured being diagnosed with any of the thirteen diseases. For details on illnesses covered, please refer the rider brochure. Tax Benefits Tax deduction under Section 80 C is available. However in case the premium paid during the financial year, exceeds 10% of the sum assured, the benefit will be limited up to 10% of the sum assured. Tax deduction under Section 80(D) is available for premiums paid towards SBI Life - Criti Care 13 Non Linked Rider. Tax exemption under Section 10(10D) is available at the time of maturity/surrender, subject to the premium not exceeding 10% of the sum assured in any of the years during the term of the policy. However, death proceeds are completely exempt. Tax benefits, are as per the provisions of the Income Tax laws & are subject to change from time to time. Please consult your tax advisor for details.  

We are offering our unmatched Investment Services. You can get a good return income by investing in our upcoming projects of construction, export, movie making, etc. Our Investment Services guarantee profit returns with agreement in collateral security. Therefore, you can rest tension free and enjoy life by taking our Investment Services. For more details, contact us.

We are engaged in providing our incomparable Vehicle Insurance Services. They are widely demanded by clients to insure their vehicle against any damage in an accident, fire, etc. Vehicle Insurance Services can be availed at reasonable prices with good returns. With our Vehicle Insurance Services, you do not have to worry about your vehicle as it is now our responsibility in case some untoward incident takes place.

We provide Property Insurance Services against loss of property through fire and other perils. Property Insurance Services protect not only property, but also everything that is associated with it through our products as plate glass, contractors all risk insurance, industrial all risk insurance, baggage, money. We offer Property Insurance to companies, shops and outlets, schools, machinery (pump sets), etc. Highlights : Adequately safeguards your priceless property and possession Protects both your home and household belongings Low cost optional cover for burglary including theft and larceny Basic Coverage : Fire insurance for building/structure Fire insurance for possessions

We are a Balaghat, Madhya Pradesh based service provider, serving the clients with matchless Mining Services. We have profound experience in the extraction of valuable minerals as well as other geological materials. We have successfully mined a variety of products like ores, coal, gemstones, limestone etc., using advanced technology. We have a team of geologists as well as assorted professionals that empower us to undertake mining work on clients’ behalf. We are committed for meeting the deadlines and abiding to mining terms & conditions.

When it comes to building construction, then our services praised all over India for being effectual, reliable, timely, and cost-effective. We have been supported by a team civil engineers as well as architects that empower us to meet the challenging trends in construction industry. We exploit a number of advanced tools and equipment to ensure flawless & timely construction of the buildings. Despite being located Balaghat, Madhya Pradesh, our services are praised by nationwide clients.

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