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About SKC ASRA

At SKC Asra, we’re more than just a service provider — we’re your lifelong partner in financial protection. As a credible and registered insurance broker in India, we specialize in Life, General and Reinsurance services, offering tailored solutions to individuals, families and businesses across the country.

Our mission is simple: to make insurance easy, transparent and effective. From policy selection to claims assistance, our experienced team ensures you receive long-term, reliable and personalized coverage that fits your goals.

With a foundation built on integrity, trust and customer-first values, we’re committed to securing what matters most — at every stage of life.

Our Vision

Our vision is to be the most trusted and dependable insurance brokerage firm, known for our transparency, expertise and customer-first approach. At SKC Asra, we imagine a world where every individual and business enjoys complete and reliable insurance coverage throughout life’s journey.

By combining knowledge, technology and personalized service, we strive to simplify the complexities of insurance and empower people to make confident, well-informed financial decisions. Our goal is to bridge the gap between uncertainty and security — giving you peace of mind at every step.

Our Mission

At SKC Asra, our mission is to deliver lasting and dependable insurance solutions that provide financial security and risk protection for individuals and businesses. We are committed to being honest, transparent and efficient in every interaction, ensuring our clients receive policies that truly match their needs.

With expert advice and deep industry knowledge, we make the insurance process simple, accessible and stress-free. As a trusted insurance advisor in India, we focus on building long-term relationships based on reliability, support and excellent service — from selecting the right policy to settling claims with care.

Our Team

At SKC Asra, our team is the heart of everything we do. From seasoned insurance specialists to dedicated risk managers and customer support experts, we’re here to guide you through every decision with clarity and care.

With years of experience and deep industry know-how, we help you find the right coverage that fits your life, your business and your peace of mind.

Our Certification

Certificate of Registration

On 12th January 2022, V-Resolve Insurance Broking LLP was granted ‘Certificate of Registration’ to act as ‘Direct (Life & General) Insurance Broker‘ by the Insurance Regulatory and Development Authority of India (IRDAI).

Certificate of Recognition

On 15th September 2021, a Certificate of Recognition was granted to VRI as a ‘Startup’ from the Department for Promotion of Industry and Internal Trade (DPIIT), Ministry of Commerce & Industry, Government of India. The Certificate of Recognition is granted to V-Resolve Insurance Broking LLP for its innovative approach in transforming the customer experience through digital applications.

Your Insurance Queries Answered

Frequently Asked Questions

Insurance can be complicated and we understand the pain point, so we’ve gathered answers to your most frequently asked questions. Our FAQ covers policy choice, premium payment, claims procedure, coverage information, assistance queries, and more to assist you in making the right choices. Whether Life, General, or Reinsurance, our answers provide you clarity & transparency. 

Require further help? Our specialists are always available to walk you through each step of your insurance process.

You can reach us through our website’s contact page, or you can contact our customer support team directly by phone or email. Visit our “Contact Us” section for more details.

Yes, SKC ASRA is a registered insurance brokerage company based in New Delhi, India. We comply with all regulatory requirements to ensure your protection and peace of mind.

We provide a wide range of insurance coverage, including health insurance, life insurance, motor insurance, property insurance, travel insurance, business insurance, reinsurance, and others. We tailor our services to meet individual and corporate needs.

Absolutely. Our team of experienced professionals conducts personalized consultations to understand your unique requirements. We then recommend insurance solutions that align with your goals and budget.

Yes, we offer policy update services to accommodate changes in your life or business. We can assist you in making necessary adjustments to your policy.

Our team provides expert guidance and support during the claim process. We help you navigate the paperwork, work together with insurance companies, and expedite your claim settlement to ensure a smooth experience.

Yes, our customer support team is available around the clock to address your queries and concerns, including during emergencies, and Payment & Billing.

We offer various payment options for your convenience, including online payments and other flexible methods. Our team can assist you in setting up a payment schedule that suits your preferences.

Feel free to reach out to our customer support team for assistance with any billing or premium payment inquiries. We are here to help you with all financial aspects of your policy.

Profile

Mayukh Sinha

Chief Technical Officer/ Head-IT

Mayukh Sinha
Chief Technical Officer/ Head-IT
B.Tech (Electronics & Communication)
He has worked on software development projects with hands-on experience in building and enhancing technology solutions at SOTI.
Anshu Kumari
Head – Life
Compliance Officer
BCA
She has gained valuable exposure in insurance broking, with practical experience in sourcing, distribution, and compliance processes.
Profile

Anshu Kumari

Head – Life Compliance Officer

Mr. Sudhin Roy Chowdhury

Mentor Veteran Insurance Leader with Global Expertise

Mr. Sudhin Roy Chowdhury Chowdhury brings over forty years of insurance industry experience, having served in key roles at LIC of India, including Executive Director (Marketing & Product Development), Zonal Manager and MD & CEO of LIC International (Bahrain). He was also a Member (Life) at IRDAI.
A Physics graduate with an MBA in Marketing and Finance, he has received advanced training at IIM Calcutta, ISB, AIM Manila and FALIA Japan. Internationally, he has contributed to IAIS (Switzerland) and the Access to Insurance Initiative (Germany). He is a recipient of multiple awards and currently serves on several corporate boards and BFSI advisory bodies.

Mr. Jagannath Mukkavilli

Advisor Insurance Strategist with International Bussiness Exposure

Mr. M Jagannath is seasoned financial services professional with over three decades of distinguished experience. He superannuated as the Managing Director of LIC. Among important assignments, he held positions of Zonal Manager of South Central Zone of LIC at Hyderabad and CEO&MD of LIC (Lanka) Ltd at Colombo besides heading Bangalore-1, Division of LIC.

His journey through the Corporation saw him gain rich experience across diverse functions,culminating in leadership roles that significantly impacted LIC's growth and operational efficiency.

Academically, Shri Jagannath is a commerce graduate with CA (Inter) and holds a Post-Graduate Diploma in Marketing. He further specialized in the insurance sector with an International Post- Graduate Diploma in Life Insurance, General Insurance & Risk Management from the Institute of Insurance and Risk Management (IIRM), Hyderabad. He is also an Associate of the Insurance Institute of India, Mumbai.

SANTOSH KUMAR CHOUDHARY

Director

Education Qualification : MBA (Finance) | LL.B.

Mr. Choudhary is a SEBI-registered Merchant Banker and financial strategist with over twenty years of experience in global and domestic capital markets. He has led financial projects exceeding USD twenty-five billion and specializes in investment banking, structured finance, risk analysis and sustainable investing. He has founded multiple financial entities, including an NBFC and a valuation consultancy. Known for driving capital fundraising and credit enhancement strategies, he is widely recognized for his work in green finance and corporate turnarounds, bringing innovation and integrity to every engagement.

Mr Choudhary has the distinction of participating and obtaining the Guiness World Record Certificate for most life insurance polices sold by LIC on a single day.

MIRZA SAMSHUR RAHEMAN BAIG

Director & Business Head

Education Qualification : LL.M. and FIII from Insurance Institute of India.

Initially joined as an Advocate in Orrisa. Having 8 years practice experience at Lower Court as well as at Orissa Highcourt.

Subsequently joined as legal Officer in New India Assurance Co Ltd and worked at various capacities like Division Manager and Senior Divisional Manager in Operation and Business area.

Retired from its head office in Mumbai having a senior position. After retirement joined an insurance broking firm in Mumbai having its head office at Chennai. As broker he has dealth with both retail as well as corporate clients like Mahindra and Mahindra and other group companies to cater to their various insuarnce needs. Having rich experience in the Insurance Industry.

M C VENKATAKRISHNAN

Chief Marketing Officer
Head – Reinsurance

Education Qualification : MBA from ICFAI, F.I.I.I and C.A.I.I.B

With over 30 years of experience in the General Insurance industry, he has gained extensive expertise in marketing, underwriting, claims management, internal compliance, and reinsurance management. Throughout his career, he has been associated with leading organizations including Neem Tree Insurance Broking & Advisory, JB Boda Insurance & Reinsurance Brokers Pvt. Ltd., and Unison Insurance Broking Services Pvt. Ltd., contributing significantly to their growth and success.

MAYUKH SINHA

Chief Technical Officer / Head - IT

Education Qualification : B.Tech (Electronics & Communication)

He has worked on software development projects with hands-on experience in building and enhancing technology solutions at SOTI.

Priyank Goel

Head – General

Education Qualification : B.Tech

He has over 15 years of leadership experience, having been associated with reputed organizations such as Safe Risk Insurance Broker Pvt. Ltd., SMC Wealth Management Ltd., SKC Investment Advisors Pvt. Ltd., Danube Properties, and also as an independent professional.
During his career, he has held senior roles including Sr. Vice President and Senior Manager, with expertise spanning customer sourcing and development, underwriting, customer relationship management, sales and promotions, marketing, and general insurance products.

ANSHU KUMARI

Head – Life & Compliance Officer

Education Qualification : BCA

She has gained valuable exposure in insurance broking, with practical experience in sourcing, distribution, and compliance processes.

ATHARVA MANE

Assistant Manager (Operations)

Education Qualification : MBA (Finance)

Atharva Mane is an Assistant Manager with experience in insurance operations, policy management, and business coordination. With a strong foundation in Finance and Commerce, he is dedicated to driving operational excellence, delivering effective solutions, and contributing to organizational growth.

MANORANJAN BEHERA

Regional Manager (East)

Education Qualification : MA (Economics)

Mr Behera has more than three decades of experience in the Life Insurance industry. He held several important assignments in various marketing verticals including Bancassurance channel of LIC.

As a strategist, during his tenure in marketing assignments, he has achieved many milestones and led his units to surpass business targets and expanded market penetration and enhanced brand visibility across teritories.

KMPs & BQPs Name of KMP and BQPs Educational Qualifications Associated with (Name of the Company) Designation Period of Association Job Profile in Detail
Principal Officer/CEO/MD ASHWANI KUMAR RAINA MSC LIC of India Chief Manager more than three decades He has more than three decades of experience in the field of Life Insurance, Housing Finance and Credit Card who worked in key managerial positions. He has vast experience in the field of life insurance and has handled many assignments like marketing, HR, training, finance and customer services. He has huge experience in housing finance business as he has headed two biggest regions of LIC Housing Finance namely Western Region (comprising of Maharashtra, Gujarat and Goa) and Northern Region (comprising of Delhi NCR, Rajasthan, Himachal Pradesh, J&K, Punjab and Haryana). He has handled all types of housing loans like home loans, project loans, LAP and LRD. His last assignment was as General Manager LIC Card Services Ltd, and was responsible for the marketing of cards PAN India. He was also responsible for formulation of policies and regulatory compliances of the company.
Chief Marketing Officer M C VENKATAKRISHNAN MBA ICFAI and Graduate, F.I.I.I from Insurance Institute of India, C.A.I.I.B from Indian Institute of Bankers. Neem Tree Insurance Broking & Advisory, JB Boda Insurance and Reinsurance Brokers Pvt. Ltd, Unison Insurance Broking Services Pvt. Ltd More than Three decades He has more than three decades of experience in General Insurance field having experience in Marketing, Underwriting, Claims Management, Internal Compliance and Reinsurance Management. Worked with Public Sector Insurance Company and Composite Insurance Broking Companies.
Compliance Officer Anshu Kumari BCA Safe Risk Insurance Broker Private Limited Intern 9 Months Sourcing and distribution of insurance products.
Chief Finance Officer Pankaj Jain B.Com and Business Diploma PNB Housing Finance CXO 11 Years He has three decades of experience in banking and finance. Worked with PNB Housing Finance, ICICI Bank and Reliance Capital in various capacities. He has experience in mortgage and secured asset business and has built and scaled up retail and secured asset business and has built and scaled up retail business successfully. He has worked in the past as a seasoned business professional with expertise in secured finances. He has experience of successfully setting business across verticals such as business development, Sales Management, Branch Operations efficiencies and portfolio management.
Chief Technical Officer/Head-IT Mayukh Sinha Bachelor of Technology Electronics & SOTI Software Developer 2yr. 5month Software Developer.
Head – Life (if applicable) Anshu Kumari BCA Safe Risk Insurance Broker Private Limited Intern 9 Months Sourcing and distribution of insurance products.
Head – General (if applicable) Priyank Goel B.Tech Safe Risk Insurance Broker Private Limited, SMC Wealth Management Ltd, SKC Investment Advisors Pvt Ltd, Danube Properties, Self Employed Sr Vice President / Senior Manager more than 15 years He has experience in the field of sourcing & development of customer & underwriting, Customer Management & Underwriting, Sales & Promotion, Sales & Marketing, General Insurance Products.
Head – Reinsurance (if applicable) M C VENKATAKRISHNAN MBA ICFAI and Graduate, F.I.I.I from Insurance Institute of India, C.A.I.I.B from Indian Institute of Bankers. Neem Tree Insurance Broking & Advisory, JB Boda Insurance and Reinsurance Brokers Pvt. Ltd, Unison Insurance Broking Services Pvt. Ltd More than Three decades He has more than three decades of experience in General Insurance field having experience in Marketing, Underwriting, Claims Management, Internal Compliance and Reinsurance Management. Worked with Public Sector Insurance Company and Composite Insurance Broking Companies.

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.