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Privacy Policy

SKC Asra understands the importance and significance of maintaining the privacy of the information entrusted by you to us. SKC ASRA acts like a custodian of your private information and takes all the necessary steps to maintain its confidentiality, integrity, and security. The term “users” includes people who pay and purchase insurance plans as well as the people who visit our website and mobile applications.

The Privacy Policy of SKC Asra explains in detail about how the data is collected, stored, processed, used, transferred, and shared. SKC Asra runs automated algorithms to protect your data at the time of visiting our website or availing our services.

Acknowledgement We Need:

By using our services, you acknowledge your consent and comprehend our Privacy Policy. Hence, it is inferred that by visiting our website/mobile applications or by taking our services, you give your unconditional agreement to SKC Asra to use, process, share, store, and transfer your data under Section 43A and Section 72A of Indian Information Technology Act, 2000.

By registering yourself at our website or at any of our sub-domains, it is assumed that you are giving your authorization to SKC ASRA to contact you through a phone call, email, or SMS and offer/update you about our services. The company may call you or send textual communication to render our services for the insurance product opted by you. We may also call you to inform you about the products, give you updates about our promotional offers from time to time, and about the offers from affiliates or third parties or our business partners for which we may have to gather your basic information as given under the Policy. You hereby consent that SKC ASRA may contact you even if your number is registered under DND/ DNC or NCPR service. Your approval will be valid till the time your account is active with us.

User credentials, or any information that you submit to us. Other personal information we collect may include:

  • Financial information such as income, assets, and your financial investment strategy and investment background
  • Documents that you provide to us to verify your identity, such as copies of your passport, utility bills, and/or bank statement or your company incorporation details.

SKC Asra also may collect some information automatically, which includes:

  • IP address
  • Information about your web browser software and version;
  • General geographic location indicated by your IP address;
  • Website that referred you to us, and similar information.

We also may collect information about your activity on our websites, which might include:

  • frequency of visits to our web site;
  • Average length of visits;
  • Pages viewed during a visit.

We may use various technologies to collect information about your activities on our websites, including:

  • Cookies (If not selected may affect certain or all functionalities);
  • Web Beacons / Web bugs (Measures user experience on our website).
We may combine your information, automatically gathered information, and the information we collect through cookies/web beacons/web bugs, including information that we have collected about you, or information that we have obtained from other sources. We may aggregate any statistics or data that are collected, but we are under no obligation to do so.

SKC Asra Global Insurance Broker Private Limited

Reg Office: 1st Floor, Jeevan Vihar Building, Parliament Street, New Delhi-110001

Registration No: 1046, Registration Code No: IRDA/DB n1086/2024/ Valid till: 18/03/2028, License category: Composite Insurance Broker

Insurance is the subject matter of the solicitation. Kindly read the risk document of particular policy and take expert advice before taking any insurance or investment decisions

“BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS / FRAUDULENT OFFERS

IRDAI or its officials do not involve in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.”

Copyright © 2025 SKC ASRA. All Rights Reserved.
Designed & Developed by NeoRipples

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Types of Corporate Insurance

1. Commercial Property Insurance
Protects your offices, factories, warehouses, and other business assets against risks like fire, theft, natural disasters, or accidental damage. It helps minimize financial loss and ensures business continuity.

2. Marine Insurance
Covers goods in transit, by sea, air, road, or rail, against risks such as accidents, piracy, natural calamities, or handling damages. Essential for businesses involved in import, export, or domestic trade.

3. Liability Insurance
Provides protection against third-party claims arising from property damage, bodily injury, or legal disputes. It shields your business from unforeseen liabilities and costly litigation.

4. Customized Risk Management Solutions
Tailored insurance and risk mitigation strategies designed to address industry-specific challenges. These solutions help businesses stay prepared, reduce vulnerabilities, and maintain financial security.
1. Emergency medical expenses-The travel insurance policy covers the expenses incurred in case you get injured or fall sick during the trip.

2. Emergency medical evacuation- In case of an emergency where you fall sick and have to be transported to the nearest medical facility/hospital, the insured person will get paid/ reimbursed for all the expenses in this regard. Once you recover and are in a position to travel back home, the policy may even pay for your expenses in relation to returning home under the ‘Repatriation’ benefit.

3. Repatriation of remains- In the unfortunate event of the death of an insured person while they are traveling, the cost of recovering their body and taking the remains to the home country can be a huge financial burden. In a policy has been taken to cover such risk, the repatriations of remains will be covered under the said policy.

4. Baggage- This insurance is vital in case one’s baggage is lost or damaged during the trip. To get compensated for such damages to the luggage, baggage insurance plans are extremely helpful.
The loss of checked-in luggage or baggage delay would be covered under various available policies.

5. Accidental death and dismemberment- The coverage benefit under this policy would apply if you were to pass away in an accident or loss of one or two limbs, paralysis, or blindness in an accident.

6. Others- The various policies are available that may include cash advances, travel delays, ID theft protection, concierge services, car rental coverage, flight accidents, etc.

Trip Medical Insurance Package: Travel medical insurance is mainly focused on medical benefits. It provides better medical coverage and may also cover various situations and other major medical emergencies. It is most beneficial for people who are traveling out of the country for longer durations.
Types of Employee Benefits

1. Group Health Insurance
Provide your team with medical coverage that takes care of hospitalization, treatments, and emergencies. Group Health Insurance ensures financial security for employees and their families while giving them access to quality healthcare.

2. Group Term Life Insurance
Offer peace of mind with a life cover that protects employees’ families in the event of an untimely demise. This affordable, high-coverage benefit is a thoughtful way to support long-term financial security.

3. Employee Wellness Programs
Go beyond insurance by promoting preventive healthcare and wellness initiatives. From fitness plans to regular health check-ups, these programs help employees maintain a healthy lifestyle, reduce absenteeism, and boost morale.

4. Gratuity/Retirement Benefit Solutions
Support your workforce with structured retirement and gratuity plans that secure their post-employment life. These solutions reward long-term service while ensuring financial stability for employees after retirement.
Types of Motor Insurance

1. Private Car Insurance
A comprehensive private car insurance policy protects you against financial losses caused by accidents, theft, fire, or natural calamities. Renewal ensures continued coverage for you, your car, and your loved ones, while also fulfilling mandatory third-party liability requirements.

2. Goods Carrying Vehicle Insurance
This policy covers commercial goods vehicles like trucks and lorries against damages from accidents, fire, theft, or natural disasters. It also provides third-party liability protection, helping business owners safeguard their vehicles, drivers, and transported goods.

3. Passenger Carrying Vehicle Insurance
Designed for vehicles such as auto-rickshaws, school buses, vans, and cabs, this insurance offers financial protection against accidents, injuries, or property damage. It is a mandatory requirement under the Motor Vehicles Act to ensure passenger and third-party safety.

4. MIS-D Vehicle Insurance
MIS-D vehicle insurance provides coverage for miscellaneous and special-purpose vehicles used for business or institutional activities. It protects against damages, third-party liabilities, and losses caused by natural or man-made disasters, ensuring business continuity.

List of Top Car Insurance Add-On Covers
The availability of car insurance add-ons varies from insurer to insurer. The following are some car insurance add-on covers that are offered by most of the general insurance companies:

A. Zero Depreciation Add-on Cover
At the time of a claim settlement, the insurer will deduct the amount of depreciation applicable to your car and its parts. The zero depreciation cover helps you mitigate the burden of bearing the depreciation cost of your vehicle, thereby increasing your claim amount. Most insurers limit zero depreciation claims to two, however, some insurers, such as IFFCO Tokio, allow unlimited zero depreciation claims.

B. Consumables Add-on Cover
As part of this add-on, you are covered for consumable elements such as grease, air conditioner's gas, lubricants clip, bearings, fuel filter, engine oil, oil filter, brake oil, nut and bolt, screw, washers, etc, which are not covered by the standard policy.

C. Roadside Assistance Add-on Cover
This add-on cover secures assistance services in the event of the breakdown of the insured vehicle. The services include towing the vehicle to the nearest garage, on-site repair services, assistance in case of loss of keys, changing flat tires, fuel delivery, etc.

D. Engine Protection Add-on Cover
This cover allows the policyholder to get indemnified against expenses for mechanical/electrical breakdown of the engine due to an oil spill, water ingression, etc.

E. Key Loss Add-on Cover
This add-on cover makes the insurance company liable to compensate the policyholder for the loss of key(s).

F. Passenger Assistance Add-on Cover
It is a bundled cover that includes Hospital Allowance, Medical Expenses and Medical Transport Assistance to the policyholder in the event of an accident.

G. Tyre Damage Add-on Cover
Add-on covers damage such as in-tire bulges, punctures or bursting of tires, cuts on tires due to accidents, etc.

H. Return To Invoice Add-on
This add-on cover allows you to get the full invoice price of your vehicle when it suffers Total Loss, Constructive Total Loss (CTL), or theft.

I. Protection Of NCB Add-on
This add-on helps you retain your No Claim Bonus (NCB) discount even if you had filed a claim in the last policy tenure. NCB is the discount that you get on your own damage premium for every claim-free year.

J. Loss of Personal Belongings Add-on
This add-on compensates the policyholder in the event of loss of personal belongings such as articles or items of a personal nature that are likely to be used, carried, or worn.

K. Daily Allowance Add-on
By opting for this add-on you get a daily allowance from the insurer when the car is lost or is out for repairs.

L. Personal Laptop and Mobile Add-on Cover
This add-on allows you to get compensation for the loss of a personal laptop and mobile kept in the vehicle.

M. GAP Value Add-on Cover
In the event of theft, total loss, or constructive total loss, you will receive the entire invoice price of the vehicle. With an additional premium, it also covers Road Tax and first-time registration fees.
Types of Health Insurance

A. Hospitalization
Covers medical expenses incurred during hospital stays, including room charges, doctor’s fees, and treatment costs. Ensures you receive quality care without financial stress.

B. Pre & Post-Hospitalization
Takes care of expenses like diagnostics, medicines, and follow-up treatments before admission and after discharge. Provides complete protection around your hospital journey.

C. Critical Illness Cover
Offers a lump sum payout on diagnosis of major illnesses such as cancer, heart attack, or stroke. Helps manage high treatment costs and secures your family’s financial stability.

D. Wellness Programs
Includes preventive health check-ups, fitness benefits, and lifestyle management support. Encourages healthy living while reducing long-term healthcare risks.