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, Childrens plans, Savings plans, Investment plans, Health plans, Womens Plan and Group insurance solutions. The companys portfolio currently consists of 28 retail, 9 group products and 10 rider benefits under savings, investment, protection and retirement product category.

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

Smith, collusion: "People of the same trade seldom meet together, even for merriment and diversion, but the conversation ends in a conspiracy against the public, or in some contrivance to raise prices. It is impossible indeed to prevent such meetings, by any law which either could be executed, or would be consistent with liberty and justice."
[14]

Cholamandalam MS General Insurance Company Ltd (Chola MS) is a joint venture between the Murugappa Group, an Indian conglomerate and the Mitsui Sumitomo Insurance Group (MSIG) of Japan. The firm offers a wide range of products that include accident, engineering, health, liability, marine, motor, property, travel and rural insurance for individuals and corporate. The company achieved a Gross Written Premium (GWP)of Rs. 1,346.5 Crores in 2011 - 12. The company has 93 branches and over 6,000 agents across the country.[3] The company champions a brand philosophy of T3 Trust, Transparency and Technology. It was named the best insurance company for In time Claims Settlement for the year 2011 - 12 in the Rashtriya Swasthya Bima Yojana (RSBY) scheme run by the Ministry of Labour & Employment, Government of India.[4] IndusInd Bank offers Insurance for individuals as well as corporate customers in association with Chola MS.[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.[6] Corporate History Chola MS General insurance company was established in 2001 and headquartered in Chennai, India. Chola MS is a 74:26 joint venture between Murugappa Group South Indias business conglomerate and Japans largest general insurer Mitsui Sumitomo Insurance Group. Chola MS is also credited with being the first private insurer to get ISO 9001:2008 for the Motor Claims division.

Business lines Individual Insurance lines include Health Insurance, Car Insurance, Travel Insurance,[7] Home Insurance, and Personal accident insurance Corporate Insurance lines include Health, Fire, Engineering Projects, Engineering Operations, Property Crime, Marine Insurance, and Liability Insurance

Organizational structure Currently there are around 704 Chola MS employees. This Organizational structure is spearheaded by S. S. Gopalarathnam, Managing Director .[8]

ICICI Lombard GIC Ltd. is the largest private sector general insurance company in India[3] with a Gross Written Premium (GWP) over 4,734.89 crore (US$861.75

million)as of March 2011. The company issued over 56 lakh policies and settled over 81 lakh claims. The company has a network of 315 branches as on March 31, 2011. The firm provides instant policy issuance and renewal through its website. Itprovidesg retail insurance products including Car Insurance, Health Insurance, International Travel Insurance,Overseas Student Travel Insurance, Two Wheeler Insurance and Home Insurance.

Corporate History [edit] Background of Formation ICICI Lombard GIC Ltd. was incorporated on October 30, 2000. It is a 74:26 joint venture between ICICI Bank Limited; Indias second largest bank with USD 75 billion in assets and Fairfax Financial Holdings Limited. Based in Canada, Fairfax

Financial Holdings Limited is a USD 27 billion diversified financial services company. 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, 2001.

Chanda Kochhar, is Chairperson; Bhargav Dasgupta is Managing Director & CEO[when?] [edit] Operations [edit] Business lines ICICI Lombard offers general insurance products. It spreads across into diverse product groups such as: Business Solutions, Project Solutions, Liability Solutions, Export Solutions, Export Import Transit, Rural Solutions, Personal Solutions, Travel Insurance, Motor Insurance, Home Insurance, NRI Solutions [edit] Organizational structure ICICI Lombards 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, small and medium enterprises, state, central government and government owned enterprises. The Financial Inclusion Solutions Group offers insurance solutions to rural customers with weather, cattle, health and personal accident covers. The Retail segment addresses Health, Home, Motor, Travel and Personal Accident insurance. The Shared Services segment encompasses of areas like underwriting, customer service, technology,

operations, reinsurance, broking, finance and accounts, human resources, legal, marketing, administration and fraud control. [edit] Specific services Telecalling ICICI Lombard was the first general insurance company in India to start telesales operations[citation needed] . However in recent times, public outburst against pushy and intrusive telecalling in general has led to a reduction in cold calling. Also, the introduction of 'do-not-call' (opt-out) lists is similar to the US 'Do Not Call Registry'. The firm has a Do Not Call option. Online Policies The firm was among the first companies to make their insurance products available online in India. ICICI Lombard has web-based systems to meet pre and post-policy transactional needs. 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, and covers more than 2 million farmers. The states covered under this cover are Rajasthan, Madhya Pradesh, Uttar Pradesh, Bihar, Tamil Nadu Karnataka, Chhattisgarh, Himachal Pradesh, Haryana and Jharkhand. The company has close to 7.6 million acres of land that covers around 30 crop varieties. The Modified National Agricultural Insurance Scheme (MNAIS) was launched by the Ministry of Agriculture, on a pilot basis in 35 selected districts of India. The above schemes are alternative to the ongoing National Agricultural Insurance Scheme (NAIS) from the Rabi 2010-11 season. 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 Seri-culturists and workers Health Insurance scheme

Women employed in grainages and silk reeling units are exposed to serious health hazards. A scheme providing coverage to women beneficiaries has been introduced for the welfare of women. 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).

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, the largest listed insurance group in Japan[1]. ITGI was incorporated on December 4, 2000 and has its head office in Gurgaon, Haryana. 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. It offers a wide range of policies covering a wide range of customers, from farmers to some of India's largest automobile manufacturers. From a modest Rs 213 Crores of GWP (Gross Written Premium) in 2001-02 it has achieved Rs 2248.16 Crores in 2011-12, thereby becoming one of India's leading private players.[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). Other than the conventional products, it has niche products like Credit Insurance, Fine Arts Insurance, P & I Insurance, Errors & Omissions Policy for the IT Sector etc. 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.[citation needed]

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). Today, ITIS has a lacklustre workforce of over 1500 employees in over 350 towns. Promoters[2] Indian Promoters: Indian Farmers Fertiliser Cooperative Limited (IFFCO) is the world's largest fertilizer manufacturer & marketer in cooperative sector. It was incorporated on 3rd November, 1967 and since then has sold fertilisers and agricultural services to India's farming community. Over the years, the cooperative society has evolved into a gigantic Indian Multinational in the filed of production, marketing and services to farmers. IFFCO has steadily grown from strength to strength-from a modest membership of 57 societies in 1967-68 to more than 40,000 societies at present. The initial equity capital of Rs.6 lakh contributed by cooperatives in 1967-68 has also risen to Rs. 4.26 Million in 2010-11. 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, Andhra Pradesh. IFFCO holds 72.64% shareholding and its Associate M/s Indian Potash Ltd. holds 1.36% shareholding in ITGI. Foreign Promoters: TOKIO Marine Asia Pte. Ltd holds 26% shareholding in ITGI. TOKIO Marine Asia is a subsidiary company of Millea Holding Inc Japan; a holding company for Tokio Marine & Nichido Fire (TMNF) Insurance Company.TOKIO Marine Asia has non life operations in 9 Asian countries.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. It is a member of the highly diversified Mitsubishi group comprising over 1,500 companies.

Tokio Marine has been continuously serving as one of the important reinsurance companies to the nationalized Indian insurance market.

Tata AIG General Insurance Company Limited is an Indian general insurance company, and a joint venture between the Tata Group and American International Group (AIG).[1] Tata Group holds 74 per cent stake in the insurance venture with AIG holding the balance 26 percent. Tata AIG General Insurance Company, which started its operations in India on January 22, 2001, provides insurance to individuals and corporates. It offers a range of general insurance products including insurance for automobile, home, personal accident, travel, energy, marine, property and casualty as well as several specialized financial lines. The Company's products are available through various channels of distribution like agents, brokers, banks (through bank assurance tie ups) and direct channels like Telemarketing, Digital Marketing, worksite etc.

At Bharti AXA GI Promoters About Bharti Enterprises: Bharti Enterprises is one of Indias leading business groups with interests in telecom, agri business, financial services, retail and manufacturing. Bharti has been a pioneering force in the Indian telecom sector with many firsts and innovations to its credit. Bharti Airtel Limited, the group's flagship company, is a leading global telecommunications company with operations in 20 countries across Asia and Africa. The Company ranks amongst the top 4 mobile service providers globally in terms of subscribers. Other business ventures of the group include Bharti Softbank - a JV between Bharti Enterprises and Softbank Corp - for mobile internet. Beetel Teletech, a group

company, is Indias Indias leading manufacturer and distributor of telecom and allied products. The group has a JV FieldFresh Foods with Del Monte Pacific Ltd, to offer fresh and processed fruits and vegetables in the domestic as well as international markets. Bharti has JVs with AXA, world leader in financial protection and wealth management, for Life Insurance and General Insurance. The group has presence in the retail sector through Bharti Retail that operates stores in multiple formats. It also has a JV - Bharti Wal-Mart - with Wal-Mart for wholesale cash-and-carry and back-end supply chain management operations in India. About AXA The AXA Group is a worldwide leader in insurance and asset management, with 163,000 employees serving 101 million clients. In 2011, IFRS revenues amounted to Euro 86.1 billion and IFRS underlying earnings to Euro 3.9 billion. AXA had Euro 1,065 billion in assets under management as of December 31, 2011. The AXA ordinary share is listed on compartment A of Euronext Paris under the ticker symbol CS (ISN FR0000120628 Bloomberg: CS FP Reuters: AXAF.PA). AXAs American Depository Shares are also quoted on the OTC QX platform under the ticker symbol AXAHY. The AXA Group is included in the main international SRI indexes, such as Dow Jones Sustainability Index (DJSI) and FTSE4GOOD, and is the founding member of the UN Environment Programmes Finance Initiative (UNEP FI) Principles for Sustainable Insurance. Vision and Values At Bharti AXA GI, we live by the simple truth; insurance plays an important role in protecting organizations and individual aspirations. Through comprehensive and innovative insurance solutions, we seek to redefine industry standards by offering unparalleled and empathetic service to every Indian. This ropes in our collective vision to be the preferred General Insurance Company for our Customers, Employees, Shareholders, Business partners & Society. Backed by our constant strive to find new and improved ways to add value to our customers through our innovative product and service offerings, we always seek to make a difference through our professional and pragmatic approach and working as a team with at most

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

Bharti AXA Life is a life Insurance player that was started in 2006. It brings together strong financial expertise of the Paris-headquartered AXA Group, and Bharti Enterprises - one of India's leading business groups with interests in telecom, agricultural business, financial services, and retail. The joint venture has a 74% stake from Bharti and 26% stake from AXA Asia Pacific Holdings Ltd.(APH).The company launched national operations in December 2006. Today, Bharti AXA Life has a national footprint of distributors trained to provide quality financial advice and insurance solutions to the large Indian customer base. Bharti AXA Life offers a range of innovative products and services that cater to specific insurance and wealth management needs of customers.

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. The level of trust is very inadequate today, regardless of the brand considered. This is because the perception of consumers is that we are all evolving only in "a world of promises." And this is what we have to redefine. Beyond promises... proof We don't want to make promises any more. Instead, we want to demonstrate our ability to respond to client needs with real and tangible proof and, in so doing, to establish an authentic relationship of trust with our clients. These are the three attitudes that clients most expect from an insurance and financial services company in exchange for their vote of confidence. These three attitudes stood out from the others in the consumer research we conducted across markets, regardless of their level of maturity. They are at the heart of our actions and our commitments to clients.

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

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

occupies a leadership position in Western Europe and an increasingly important place in Eastern Europe and Asia. The Group strategy aims to consolidate Generalis pre-eminence on its key markets and achieve a premier position on markets with high growth potential, establishing its leadership in profitability. IDENTITY CARD Since its establishment, the Generali Group has always held a reputation for its capital and financial strength. Its solidity derives from prudent investment management and a focus on achieving a correct match between risk and medium/long-term profitability.

Generali Group is one of the leading insurance groups in Europe, 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 85,322 employees (15,956 in Italy) It has over 400 billion of assets under management High rating assigned by the international rating agencies:
o o o o

A.M. BEST: A+ STABLE Standard & Poors: AA- STABLE Fitch Ibca: AA- NEGATIVE Moodys: Aa3 STABLE

About HDFC ERGO HDFC ERGO General Insurance Company Limited is a 74:26 joint venture between HDFC Limited, Indias premier Housing Finance Institution & ERGO International AG, the primary insurance entity of Munich Re Group. HDFC ERGO focuses on providing the Right Insurance Solution for all. We offer our customers complete range of general insurance products ranging from Motor,

Health, Travel, Home and Personal Accident in the retail space and customized products like Property, 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 helps us give our customers a seamless and hassle-free experience. 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. The company has a right balance of distribution channel comprising of Dealerships, Brokers, Retail and Corporate Agents, Bancassurance and Direct Sales Team. Vision Our vision is "To be the most admired insurance company that enables the continued progress of customers by being responsive to their needs."

This vision acts as our guiding light and helps all of us be proud of the organization that we belong to. This happens by earning the respect of both, the customers and the industry. Values One single thing that takes us closer to our vision is our set of values - Sensitivity, Excellence, Ethics and Dynamism (SEED).

Sensitivity: We will build our business on empathy and an inherent understanding of both our internal and external customers needs.

Excellence: We will always strive to offer innovative products and services and endeavour to set new benchmarks to do things better each time.

Ethics: We will honour our commitments and be transparent in our dealings with all our stakeholders.

Dynamism:

We

will

be

pro-active

with

"can

do"

approach.

To make our vision a reality, we are committed to sow the SEED of our values and nurture it daily. 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.

We ensure that it reflects in every task we perform, every decision we take. It helps us to work as a team towards creating and sustaining value for all our stakeholders, namely Customers, Business Partners, Re-insurers, Share-holders and most importantly, Employees.

About Us - 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, to establish Liberty Videocon General Insurance Company Limited (Liberty Videocon). Liberty Videocon General Insurance Co. Ltd. has received the license to carry on general insurance business from Insurance Regulatory Development Authority (IRDA) in the month of May 2012. With Liberty Mutuals 100 years of expertise in the insurance industry, Liberty Videocon is here with a vision to build a customer-centric business to address the distinct needs of individual and corporate customers. All backed by a prudent and disciplined underwriting philosophy and strong actuarial capability. About Liberty Mutual "Helping people live safer, more secure lives" since 1912, Boston-based Liberty Mutual Insurance is a diversified global insurer and the third largest property and casualty insurer in the U.S. based on 2011 direct premiums written as reported by the National Association of Insurance Commissioners.

Liberty Mutual Insurance also ranks 84th on the Fortune 100 list of largest corporations in the U.S. based on 2011 revenue. As of December 31, 2011, Liberty Mutual Insurance had $117.1 billion in consolidated assets, $99.3 billion in consolidated liabilities, and $34.7 billion in annual consolidated revenue. Liberty Mutual Insurance offers a wide range of insurance products and services, including personal automobile, homeowners, workers compensation, property, commercial automobile, general liability, global specialty, group disability, reinsurance and surety. Liberty Mutual Insurance employs over 45,000 people in more than 900 offices throughout the world

Fortune 100 Company 17 Countries 900 Offices $34.7 b Annual Consolidated Revenues

About Videocon Industries Limited Videocon Industries Limited is the flagship company of $4.75 Billion Videocon Group having diversified business interests in white and brown goods, power generation (both conventional and renewable energy), exploration and prospecting oil and gas, providing GSM mobile telephone services, last mile retail, and direct to home delivery of television contents. Its activities are well spread out in India, China, Brazil, Mexico, Indonesia, and Mozambique, with employee strength of more than 15,000.

Our Vision Liberty Videocon General Insurance Co. Ltd. believes that insurance plays a significant role in safeguarding organizations and individual aspirations. Through our insurance solutions and services which propagate realistic expectations, we aspire to be an attentive and empathetic entity to our Customers, Employees, Partners and Society at large.

We believe in

Building a long-lasting relationships with our customers by keeping our interactions transparent , fair, 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 strongly believe in building our business on:
TRUST We relentlessly pursue to build trusting relationships with all our stakeholders. DIGNITY & RESPECT We will treat everyone fairly with dignity and respect. PASSION We exude positive energy. We are passionate about what we do. AGILITY We assess opportunities and respond with speed. COMMITMENT We are committed to results and deliver on our promise.

L&T Overview L&T General Insurance Company Limited (L&T Insurance) is a wholly owned subsidiary of Larsen & Toubro Limited - one of the world's top 50 most reputed companies in the June 2009 issue of Forbes-Reputation Institutes Worlds Most Reputable Companies survey. Our vision Our vision is to be an insurance company distinct in character, calibre and capability. 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, in

its

other

fields

of

business.

We bring to the table the credibility, financial strength and expertise, backed by a world class brand and seven decades of unmatched leadership of the L&T Group. We will cater to all lines of general and health insurance throughout the country.

L&T Insurance will be a state-of-the-art technology-driven company that delivers world-class services. 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.

Finally, it is our people who will help us achieve our vision. 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. Our Heritage

Larsen & Toubro Ltd. is a USD 12.8 billion technology, engineering and construction group, 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-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.

It was ranked as 14th in 2011 by the Economic Times in their survey of the Top 500 Companies in India. Another feather in its cap was added when L&T was ranked 47th in the world in the June 2009 issue of Forbes-Reputation Institutes Worlds Most Reputable Companies survey. In this survey, L&T was the only engineering and construction company in the world to have made it to the top 200.

Having established its foothold in engineering and construction, electrical and electronics, industrial products and information technology, L&T forayed into the financial services space. Financial Services has been identified as a strategically important business for L&T Group. It has been L&Ts vision to become a holistic

player in this area of business. With an entire range of products and service offerings, L&Ts Financial Services initiative will cater to an entire spectrum of customers, and their various financial needs. Philosophy

The

L&T

Insurance

Advantage

We believe in...

Creating a world-class insurance company by constantly maintaining exalted quality standards in all our endeavours. Providing sustained innovation by working towards ever-evolving solutions. Customer satisfaction has always been our ultimate goal and we remain committed to constantly delivering your needs with our innovative products and services. Focusing on different customer segments. We endeavour to provide a complete range of general insurance products and specialized services for various customer segments across Individuals, Small and Medium Enterprises, Corporates with business lines that include Property & Casualty, Automobile, Health, and a special focus on Rural and Micro Insurance. Following a disciplined underwriting approach, in the competitive market conditions prevailing today. This discipline and its importance to the company have been ingrained in all our employees. We work hard to constantly reinforce your trust in us.

Our Values

In order to become an insurer of choice, we believe in building our business on

Excellence - We relentlessly pursue excellence in everything we do, everyday. We passionately raise the bar against bench marks set by the stakeholders. Integrity - We will always take the high road by practicing the highest

ethical standards and by honouring organisational commitments.

Team Work - We work together and foster collaboration while maintaining individual accountability. Innovation - We embrace, nurture and support creativity and the development of new ideas, products and processes. Customer Centricity - Fulfilling stated & unstated expectations of internal and external customers. Respect for Individual - We treat others the way we like to be treated always. We listen and empathize when dealing with others. We will treat everyone fairly with trust and respect.

Technology

Unravel the Power of Technology In this shrinking, fast paced world, time is money. 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.

As a step towards this, 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. A single window will allow you to purchase new policies, renew your policy, manage your policies and view the status of claims, etc.

This innovative technology platform will provide the following features in a phased manner

Anytime, Anywhere access to your account through our 24X7 support on our website Our system has the capability to contact you through Internet, Mobile (GPRS/SMS) and Telephone Capacity to help you generate Quick quotes and issue on-the-spot policies for select products

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., using our IT platform to give you seamless automated services Single View of your account which includes your contact details, family members and their details, tracking your policy, claims management, all in a single window Risk Management Systems that deploys different techniques to understand, manage and most importantly mitigate Risk

ABOUT US
About the Company
Magma HDI General Insurance Co Ltd. Is a joint between Magma Fincorp Limited, Kolkata and HDIGerling International Holding AG, Germany. The joint venture agreement between the two partners was signed on 28th July, 2009 at Kolkata. 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, while HDI-Gerling International is part of the TalanxGroup, 3rd biggest insurance Group in Germany. 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.

ABOUT MAGMA
Magma Fincorp Ltd
Since we set up shop in 1989, we've been driven by one single, purposeful goal- investing in the smallest dream. A loan every minute, a million lives touched every year; today (June'12) we manage assets worth over Rs.137 billion, for us it is just a beginning. Over 80% of our 200+ branches are in semi-urban and rural India; our family of 6000+ Magmaites, 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 believe we don't just give loans, we change lives. Magma has a diversified product portfolio; we give loans for: cars and utility vehicles, SME businesses, commercial vehicles, construction equipment, tractor, and used vehicles; and we give loans against gold. We invest in the 'doers', we strive to drive progress for our customers, employees and investors alike. In the 2013 fiscal year, Magma will launch loans for affordable housing as a service. We have signed a JV with Germany's HDI Gerling for our general insurance company, and we we will start this business in the second half of the 2013 fiscal year.

We believe that no dream should go unfulfilled because of the lack of funds. The dream of a first-time car buyer, who wants to take his family on their first long drive, the dream of a fleet operator, whose business has grown from a single commercial vehicle to a fleet of 25. After fulfilling many such dreams, our customers' trust has fueled our own dream- to become the largest retail-finance company in the country. Being one of the fastest growing economies, India is high on aspirations but low on funding, that's where we step in. Everyone has a dream to reach out to, we are here to take you closer to yours.

ABOUT HDI GERLING

HDI-Gerling Industrie Versicherung AG
The HDI-Gerling brand, is a part of Hannover based Talanx group- a multi-brand provider within insurance and financial services industries and operates in around 150 counties of the world. Talanx was the third-largest German insurance Group and the eleventh-largest European insurance 1 group in 2011 (based on gross written premium). In 2011, Talanx generated premium income of approximately EUR 23.7 billion. 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). HDI- Gerling, which transacts business today in the divisions of Retail Germany and Industrial Lines, came into being in 2006 through a marriage of the two long-established HDI and Gerling brands - each of which can draw on more than 100 years of experience. HDI-Gerling offers its customers in Germany and worldwide comprehensive insurance protection tailored to their needs. The Industrial Lines division of the Talanx Group is led by HDI-Gerling Industrie Versicherung AG. The company is active in more than 130 countries through subsidiaries and network partners. 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. The range of products and services extends from liability, motor, accident, fire and property insurance to marine, special lines and engineering covers. Corporate and industrial clients in Germany and abroad profit from decades of experience in risk assessment and risk management, since complex risks in industry and mid-sized business necessitate special protection. HDI Gerling also offers Life Insurance- term and unit linked and Retirement solutions, while another group company Hannover Re is one of the world's leading reinsurers.

About Raheja QBE

The Rajan Raheja Group, one of Indias most dynamic and diversified business group brings QBE (one of the worlds most respected Insurance companies) back to India, as Raheja QBE. Raheja QBE marries the Rajan Raheja Groups success and experience across various business sectors in India with QBEs global expertise in insurance to clients here.

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. 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.

As RQBE, we can draw on QBEs years of global success in risk management, their track record of business stability and the skill and expertise of QBEs global resourc e pool. Add to this an A+ rating by Standard and Poors Insurance Financial Strength rating for QBE Insurance internationally, and you can now get a sense on why were really Good people to be with. Raheja QBE General Insurance Company Limited, a joint venture general insurance company promoted by Prism Cement Limited, India and QBE Holdings (AAP) Pty Limited, a wholly owned subsidiary of QBE Insurance Group Limited, Australia has been registered as a General Insurer under Section 3 of the Insurance Act, 1938 with the Insurance Regulatory and Development Authority (IRDA). The Certificate of Registration (Forms IRDA/R3) has been issued by IRDA on 12.12.08.

RQBE Vision
To be the first choice for our customers, people and investors.

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, Since then we have been at the forefront of providing innovative general insurance solutions to individuals, families and businesses. We offer Motor, Health, Personal Accident, Home and Travel Insurance to individual customers. We also have a wide specialised insurance offerings in Fire, Marine, Engineering, Liability and Business Interruption risks to the commercial customers. Royal Sundaram also offers specially designed products to the Small and Medium enterprises and Rural customers. Royal Sundaram's foundations are built on high value system of trust, commitment and professionalism. We come with golden heritage and reliability of our promoters - Sundaram Finance, one of the most respected non-banking financial institution in India, and RSA, one of the oldest and the second largest general insurer in the UK. The coming together of these two financial giants allows us to offer the best global practices, innovation of products and services and unmatched, personalized customer services. Today, Royal Sundaram is a name to reckon within the insurance market with the commitment it upholds for superior customer service delivery. The testimony of this is, our Accident & Health claims process received ISO 9001-2008 certification for effective customer service delivery. 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, Royal Sundaram has over 5 million customers, over 1700 employees and its products are distributed in over 180 cities across India, through Agents, Distribution Partners, Affinity Partners and Brokers.

about Sundaram Finance

Sundaram Finance, a Non-Banking Finance Company, is one of the most respected financial services companies in India. It finances the entire range of commercial vehicles, passenger cars, construction equipment & tractors. The Group's operations also extend to Insurance, Asset Management, Home loans, Business Process outsourcing and Infotech Solutions. 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. Sundaram Direct, its retail distribution arm offers multiple choices of various financial products like, loans, life & general insurance, mutual funds, deposits etc., to its customers through out India.

about RSA
With a 300 year heritage, RSA is one of the world's leading multinational quoted insurance groups. It has the capability to write business in over 130 countries and major operations in the UK, Scandinavia, Canada, Ireland, Asia and the Middle East, Latin America and Central and Eastern Europe. Focusing on general insurance, it has around 23,000 employees and, in 2010, its net written premiums were 7.5 billion.

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 owns 74% of the total capital and IAG the remaining 26%. SBI General closed the financial year 2011-12 with a Gross Written Premium of Rs.250.19 Crores. SBI General follows a robust multi-distribution model encompassing Bancassurance, Agency, Broking & Retail Direct Channels. Bancassurance is the major channel and will continue to be so during the next few years. 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. We are currently serving 3 key customer segments i.e. Retail Segment (catering to Individual & Families), Corporate Segment (catering mid to large size Companies) and SME Segment. In a short span, 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. Current Policy offering of SBI General covers Motor, Health & Home Insurance for Individuals and Fire, Marine, Package, Construction & Engineering, Group Health, Group Personal Accident & Miscellaneous Insurance for Businesses. About State Bank of India

State Bank of India enjoys the largest banking franchise in India. State Bank of India is country's largest & a premier commercial Bank in terms of balance sheet, profits, assets, deposits, branches and employees. Along with its 5 Associate Banks, SBI Group has the unrivalled strength of over 19,000 branches across the country, arguably one of the largest in the world. State Bank of India is today going through a momentous phase of Change and Transformation.

The Bank has ventured into many new businesses with strategic tie ups in Pension Funds, General Insurance, Custodial Services, Private Equity, Mobile Banking, Point of Sale Merchant Acquisition, Advisory Services, structured products etc each one of these initiatives having a huge potential for growth. The Bank is surging ahead with cutting edge technology and innovative new banking models, to expand its reach. With 22,141 ATMs of its own & 27,286 ATMs including its associate banks (as of 31st March 2012) complementing its over 19,000 branch network, 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, with operations in Australia, New Zealand, the United Kingdom and Asia. IAG's businesses underwrite around A$9.0 billion of premium per annum and employ around 13,600 people. IAG operates some of Australia's leading general insurance brands including NRMA Insurance, CGU, SGIO, SGIC and Swann Insurance. In 2009, it also launched an on-line insurance business called The Buzz. 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 is an ASX top 40 company with a market capitalisation of approximately A$6.6bn.

IAG has been assigned a 'Very Strong' Insurer Financial Strength Rating of 'AA-' by Standard & Poor's for its key wholly owned insurance companies. IAG is a Member of the Dow Jones Global Sustainability World Index.

IAG's Australian operations distribute a range of personal and commercial insurance products, under several brands. Products are sold:

Directly to customers through both branch and agency networks throughout Australia as well as via call centres and on-line facilities; and Indirectly to customers through intermediary channels, including insurance brokers, authorised representatives, motor dealerships and financial institutions.

About Insurance Australia Group Insurance Australia Group Limited (IAG) is an international general insurance group, with operations in Australia, New Zealand, the United Kingdom and Asia. IAG's businesses underwrite around A$9.0 billion of premium per annum and employ around 13,600 people. IAG operates some of Australia's leading general insurance brands including NRMA Insurance, CGU, SGIO, SGIC and Swann Insurance. In 2009, it also launched an on-line insurance business called The Buzz. 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 is an ASX top 40 company with a market capitalisation of approximately A$6.6bn.

IAG has been assigned a 'Very Strong' Insurer Financial Strength Rating of 'AA-' by Standard & Poor's for its key wholly owned insurance companies. IAG is a Member of the Dow Jones Global Sustainability World Index.

IAG's Australian operations distribute a range of personal and commercial insurance products, under several brands. Products are sold:

Directly to customers through both branch and agency networks throughout Australia as well as via call centres and on-line facilities; and Indirectly to customers through intermediary channels, including insurance brokers, authorised representatives, 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.