Protection for Every Part of Your Life.
Why it Matters
Insurance companies do not reject genuine claims. A claim is questioned only when the policyholder has hidden a material fact at the time of purchase. We ensure full transparency during documentation so that when your family needs this money, there are no delays and no rejections.
Life Insurance
A Promise to Your Family. Made Today.
At DV Fintech, we help you choose between the two main types of life insurance based on what you actually need — not what earns us the highest commission.
Who is this for?
- Individuals with dependents — spouse, children, or ageing parents
- Working professionals with outstanding home loans or business liabilities
- Anyone who wants to ensure their family’s financial future is secured
Types We Offer
- Term Insurance — Pure life cover at the lowest possible premium. If something happens to you during the policy term, your family receives the full sum assured. Simple, affordable, and the most responsible cover you can buy.
- Traditional Life Insurance — Combines life cover with savings or wealth creation. Ideal if you want the dual benefit of protection and a maturity payout at the end of the policy term.
Why it Matters
Medical inflation in India is rising at 14% annually. A single hospitalisation in a private hospital can cost ₹1–10 lakh or more, depending on the condition and city. Health insurance is not just a safety net — it ensures you never have to choose between the best available treatment and your financial stability.
Why A Personal Health Insurance Advisor Is Better Than Buying Online
Online portals show you options. We help you choose the right one.
Buying health insurance online feels simple. You compare a few plans, pick the one with the lowest premium, and think you are covered. But the cheapest plan is rarely the right one. What actually matters is whether the insurer pays claims without delays, whether your hospital is in their network, and what the policy quietly excludes. Most people find this out only when they are already in a hospital, and by then it is too late.
This is where a personal advisor makes the difference:
- We explain what your policy covers and what it does not in plain language, before you commit
- We recommend based on which insurers actually pay claims, not which ones pay us the most
- We stay with you through every claim until it is settled
A portal’s work is done when you pay. We take it from there.
Health Insurance
At DV Fintech, we do not recommend health plans based on the lowest premium. We recommend plans based on their actual claim settlement track record — because that is what matters when you are in a hospital bed.
Before we recommend any health plan, we take time to understand your full picture, including your age, family medical history, existing conditions, health risks, preferred hospitals, and city. Every one of these factors changes which plan is right for you. No two families carry the same risks. So no two plans should be the same. That is why we listen first, assess your risks, and only then tell you what we recommend and why.
What it Covers
- Hospitalisation expenses — room rent, ICU, surgery, doctor fees, nursing charges
- Pre- and post-hospitalisation — diagnostic tests, consultations, medicines, and follow-ups
- Day-care procedures that do not require 24-hour admission
- Cashless treatment at network hospitals — no upfront payment required
- Emergency ambulance charges
- No Claim Bonus — increased sum insured or premium discount if no claim in a year
- Tax benefit on premium paid under Section 80D of the Income Tax Act
Plans We Help You Choose From
- Individual Health Insurance — single person cover
- Family Floater Health Insurance — one shared sum insured covers spouse, children, and parents
- Senior Citizen Plans — tailored for individuals above 60, with pre-existing condition cover
- Critical Illness Cover — lump sum payout on diagnosis of cancer, heart disease, kidney failure, and other listed conditions
- Top-Up Plans — additional cover over and above an existing base policy at a lower cost
Who is this for?
- Individuals and families without employer-provided health cover
- Self-employed professionals and business owners
- Senior citizens who need specialised plans with broader pre-existing disease coverage
- Anyone looking to top up inadequate employer-provided cover
General Insurance
Under General Insurance, we offer two specific covers:
Why it Matters
General insurance matters because the financial impact of an unexpected event can extend far beyond the immediate damage. A fire, accident, theft, vehicle damage, or loss of business assets can create a significant financial burden if you are not adequately protected.
For individuals and businesses, general insurance helps protect accumulated wealth, preserve business continuity, and reduce the financial disruption caused by unforeseen events. Since most general insurance policies are renewed annually, reviewing your coverage regularly also helps ensure that your protection keeps pace with your changing assets, responsibilities, and risks.
Fire Insurance
What it Covers
Damage or destruction to stocks, raw materials, and finished goods
Damage to factory buildings, industrial plants, and machinery
Shops, warehouses, offices, and commercial spaces
Losses caused by fire, lightning, explosion, and related perils
Extended cover available for floods, storms, riots, and earthquakes
Who is this for?
Business owners, factory operators, shopkeepers, warehouse operators, and anyone with commercial premises or industrial stock. If your livelihood depends on a physical space or stored goods, fire insurance is not optional — it is essential.
Why it Matters
A single fire incident can wipe out years of business. Fire insurance ensures that reconstruction, restocking, and recovery do not have to come out of your own pocket. We help you calculate the right sum insured so you are never underinsured when it counts.
Motor Insurance
What it Covers
Two-wheelers — bikes, scooters
Four-wheelers — personal cars, SUVs
Commercial vehicles — trucks, tempos, fleet vehicles
Third-party liability cover (mandatory by law)
Comprehensive cover — own damage + third party + natural calamities + theft
Who is this for?
Every vehicle owner in India. Third-party motor insurance is legally mandatory under the Motor Vehicles Act. We help you choose between basic third-party cover and comprehensive plans, and handle all renewals, endorsements, and claim assistance personally.
Why it Matters
Road accidents are unpredictable. An accident without the right cover can result in repair bills running into lakhs and legal liabilities that can follow you for years. We ensure your vehicle is covered correctly — and when a claim happens, we guide you through the process from start to finish.
Years of Experience
Policies Sold
Claims Settled
Why it Matters
Jewellery businesses carry enormous stock value in a relatively small physical space. A single incident — whether it is a break-in, a transit loss, or a fire — can wipe out years of business overnight. We assess your specific risk, calculate the right sum insured, and make sure your cover holds up exactly when you need it to.
Jewellers Block Policy
What is Covered
- Stock within the premises — including items held on trust or commission
- Stock under the care of partners, brokers, agents, or employees — including items held on trust or commission
- Stock during transit — including items held on trust or commission
- Stock at exhibitions — including items held on trust or commission
- Fixed glass and related fittings at the insured premises
- Cash and money — during transit or held at the premises
What is not Covered
- Intentional misconduct or extreme negligence
- Losses occurring outside the geographical limits stated in your policy
- Damage caused by self-heating, natural combustion, or spontaneous ignition
- Damage from forest fires
- Losses due to war or nuclear events
- Loss of unspecified precious stones, cheques, cash, or documents unless explicitly listed in the policy
- Theft occurring during or after a covered event
- Acts of terrorism (unless specifically added as an extension)
Optional Add-Ons
- Neon signs, illuminated signage, and hoardings at the premises
- Electronic equipment cover
- Public liability protection for incidents at the insured premises
- Workers’ compensation for employees at the premises
- Business interruption due to fire-related damage
Who is this for?
- Jewellery retailers and wholesalers
- Diamond dealers and gem traders
- Any jewellery establishment with significant stock value on premises or frequently in transit
Why it Matters
Accidents do not follow a schedule. A GPA policy ensures your employees and their families are not left without financial support in the worst of times. It also signals to your workforce that their employer genuinely cares — improving loyalty and reducing attrition.
Group Personal Accident (GPA)
What it Covers
- Accidental death — 100% of the sum insured paid to the nominee
- Permanent total disability — loss of sight, limbs, or full incapacitation
- Permanent partial disability — proportionate compensation based on the extent of injury
- Temporary total disability — weekly compensation while the employee cannot work
- Accidental hospitalisation expenses
- Child education benefit in case of death or total disability
- 24×7 coverage — including off-duty hours and weekends
- Worldwide coverage — for employees who travel internationally
Who is this for?
- Any employer, from small businesses to large industries
- Factories, construction companies, and industries with a physical labour workforce
- Offices and service companies wanting to offer comprehensive employee benefits
Why it Matters
A GMC policy costs considerably less per person than individual health plans. Employees receive immediate coverage without waiting periods or medical check-ups — including those with pre-existing conditions. For employers, premiums paid are tax-deductible as a business expense.
Group Mediclaim (GMC)
Post-COVID, providing group health insurance has become mandatory in India. A GMC policy helps you stay compliant while genuinely taking care of your workforce.
What it Covers
- Hospitalisation for 24 hours or more — room rent, surgery, ICU, doctor fees, nursing
- Pre- and post-hospitalisation expenses — 30 days before and 60 days after discharge
- Day-care procedures — cataract surgery, dialysis, chemotherapy (no overnight stay needed)
- Pre-existing diseases — covered from day one (key GMC advantage over individual plans)
- Emergency ambulance charges
- Maternity benefits — childbirth, newborn care (optional, based on employer choice)
- Coverage can be extended to the employee’s spouse and dependent children
Who is this for?
- Any organisation with 7 or more employees (minimum as per IRDAI guidelines)
- Industries, factories, IT companies, retail chains, and service businesses
- Any employer wanting to attract and retain good talent through meaningful benefits
Why it Matters
Construction projects carry enormous financial risk — delays, accidents, and third-party claims are common. A CAR policy ensures that all parties on the project are protected, regardless of who caused the damage. Without it, a single incident can threaten the financial viability of an entire project.
Contractors All Risk (CAR)
CAR insurance is typically taken jointly by the project contractor and the employer (property owner). Subcontractors, financing companies, and suppliers can also be named on the same policy.
What it Covers
- Physical damage to the project during construction — including civil works, structures, and temporary works
- Natural perils — flood, storm, wind, earthquake, landslide
- Construction faults and negligence during execution
- Third-party bodily injury or property damage (e.g., passersby or adjoining property)
- Fire and explosion damage at the construction site
- Debris removal costs following an insured loss
- Extended cover available for earthquake, terrorism, and delay in start-up
Who is this for?
- Contractors and builders handling civil construction projects
- Real estate developers and infrastructure project owners
- Subcontractors and suppliers involved in large construction projects
Why it Matters
Industrial machinery is expensive to replace or repair. Any damage during installation — before the unit is even operational — can result in massive financial losses and project delays. EAR insurance ensures that your investment is protected from the moment the erection process begins, right through to testing and commissioning.
Erection All Risk (EAR)
A common misconception is that plant and machinery can only be insured after they are fully erected and operational. EAR insurance exists specifically to protect the project during the erection and commissioning phase, which is when the risk of damage is highest.
What it Covers
- Fire, lightning, explosion, and aircraft damage during erection
- Flood, storm, and landslide
- Theft, burglary, riots, and malicious damage at the installation site
- Negligence, lack of skill, collision, impact, and accidental dropping during installation
- Electrical and mechanical breakdown during the installation or testing phase
- Extended cover available for earthquake, terrorism, third-party liability, and air freight costs
Who is this for?
- Contractors and principals involved in installing industrial machinery and equipment
- Power plant, cement plant, and manufacturing facility operators
- Any project where large-scale machinery or engineering equipment is being installed
Why it Matters
Rebuilding a house can cost anywhere from ₹15 lakh to several crores, depending on location and construction. No one expects a flood, fire, or burglary — but when it happens, the financial impact can be devastating. Home insurance costs a fraction of what reconstruction would.
Home Insurance
What it Covers
- Building structure — walls, roof, foundation, and permanent fixtures
- Home contents — furniture, electronics, appliances, and personal belongings
- Fire, lightning, and explosion
- Natural calamities — floods, storms, cyclones, earthquakes, and landslides
- Burglary and theft
- Accidental damage to the structure or contents
- Temporary accommodation expenses if the home becomes uninhabitable
Who is this for?
- Homeowners — whether or not there is an active home loan
- Families living in high-risk zones — flood-prone, earthquake-prone, or coastal areas
- Anyone with significant contents value inside their home — electronics, jewellery, appliances
Important Note
Why it Matters
An uninsured employer facing a workplace injury claim can face legal action, compensation orders, and reputational damage that far exceeds the cost of the policy itself. More importantly, employees who are protected feel valued — and that directly impacts productivity, loyalty, and the culture you build at your workplace.
Workers Compensation
It is not just a compliance requirement. It is the right thing to do for the people who keep your business running.
What it Covers
- Medical expenses — from first aid and hospitalisation through to full recovery
- Wage replacement during the recovery period when the employee cannot work
- Disability benefits — partial or total, temporary or permanent
- Death benefits — compensation paid to the employee’s family in the event of a fatal accident
- Occupational illness cover — lung disease from toxic exposure, repetitive stress injuries, and other work-related health conditions
- Rehabilitation expenses to help the employee return to work
Who is this for?
- Factories, industrial units, and manufacturing facilities
- Construction contractors and project site operators
- Any employer with a workforce, from a small shop to a large corporation