Personal Insurance

Insurance That Protects
What Matters Most

From health to motor to life — Gateway offers personalised insurance solutions for you and your family, backed by expert guidance at every step.

Health Insurance Motor Insurance Life Insurance
3 Product Lines
Health · Motor · Life
Expert Guidance
Certified Advisors
Cashless Claim Network
Pan-India Hospitals
Personal Insurance

Health Insurance: Your Key to Peace of Mind

Health Insurance helps cover the cost of medical care, ensuring you don't face financial strain during an illness or injury. With the right plan, you gain access to quality care, preventive services and protection against high medical costs.

What Does Health Insurance Cover?

  • Hospitalisation due to an illness or injury (24-hour hospital stay mandatory with an active line of treatment)
  • Pre-hospitalisation costs — diagnostic tests, doctor consultations, medicines, etc.
  • Post-hospitalisation costs — medicines, follow-up doctor visits, etc.
  • Day Care Procedures — procedures completing in a few hours without mandatory 24-hour stay, such as Cataract surgery, Dialysis, Chemotherapy, etc.
Gateway's Recommendation — Important Disclosure

Gateway highly recommends that customers disclose all known pre-existing conditions while considering a plan. This ensures all details are correctly captured at the time of purchase. Wrong or incomplete declarations can lead to rejection of claims and/or cancellation of policies.

Things to Consider

Sum Insured
Is the coverage amount enough for your present and future medical needs? Opt for a cover that meets current medical costs.
Exclusions
Review listed exclusions — common time-bound exclusions include 30 days for illness hospitalisation, 24 months for cataract/knee replacements, and 36–48 months for pre-existing conditions.
Coverage Add-ons
Look out for what the policy covers and check for add-ons that could further enhance your coverage.
Network Hospitals
Review the list of network hospitals offering cashless claims for greater convenience.
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Health Insurance
Individual Plans Family Floater Group Health Top-up Plans
Motor Insurance
Private Cars Two-Wheelers Commercial Vehicles Trade Insurance
Personal Insurance

Motor Insurance: Drive with Confidence

Motor Insurance protects you financially in case of accidents, theft or damage to your vehicle. It also covers third-party liabilities ensuring you are protected in case of another person's losses or injuries. We offer cover for Private Cars, Two-Wheelers, Commercial Vehicles and Trade Insurance.

Three Core Coverage Areas

Own Damage
Covers damages to your vehicle due to accidents, natural calamities (earthquake, floods), complete theft of vehicle or parts.
Third-Party Liability
Covers your legal liability in case your vehicle causes injuries or damage to someone else's property.
Personal Accident
Covers accidental death and disability caused while driving. Add covers for paid drivers and employees.

Popular Add-On Covers

  • Zero Depreciation / Bumper-to-Bumper: Covers depreciation costs usually excluded, ensuring minimum out-of-pocket expenses.
  • Engine & Gear Box: Covers damages caused to engine and gear box in accidents or natural disasters like floods.
  • Return to Invoice: Pays the invoice value of your car in case of total loss or theft.
  • Cost of Consumables: Covers single-use items like engine oil and lubricants, ensuring minimum out-of-pocket expenses.
  • EV Shield: Tailored coverage for electric vehicles, protecting the battery, charging equipment and EV-specific components.
  • Daily Conveyance Benefit: Covers alternative travel costs (taxi, auto) while your vehicle is in the workshop for repairs.
  • Tyre Protection: Covers repair or replacement of tyres damaged due to accidents, cuts or bursts — often excluded from standard policies.
  • Loss of Personal Belongings: Covers theft or damage to personal belongings left inside the car (applicable for private cars only).
  • Pay As You Drive: A usage-based cover where the premium is calculated based on the actual kilometres driven — ideal for low-mileage drivers.
  • Key and Lock Protection: Covers replacement of lost, stolen or damaged keys and locks — including reprogramming costs for smart keys.
Gateway Recommendation

Keep track of your renewals to avoid policy lapse and ensure continuous coverage. We also urge our customers to follow all traffic rules and regulations.

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Personal Insurance

Life Insurance: Protect What Matters Most

Life Insurance is designed to provide financial protection and peace of mind, ensuring that your loved ones are taken care of financially in the event of the policyholder's demise.

Common Life Insurance Plans

Term Life Insurance
Offers financial security to the family in the event of the policyholder's demise. Choose a coverage period from 5 to 40 years. The most affordable plan with a death benefit and no investment component.
Whole Life Insurance
Provides lifelong protection up to age 99 or 100. Accumulates cash value over time which can be borrowed or withdrawn.
Endowment Plans
Offers life coverage for a specified period along with a maturity benefit if the policyholder survives the policy term.

Things to Consider

  • Coverage: Is the coverage in line with your family's current and future income requirements? Consider inflation year on year.
  • Terms & Conditions: Review the terms of cover and claims payout to avoid last-minute surprises.
Gateway Recommends

Gateway recommends investing appropriately to cover all living expenses and debts your family may incur, ensuring complete financial security in an unforeseen event.

Explore Life Insurance Options
Life Insurance
Term Plans Whole Life Endowment

Why Choose Gateway for Personal Insurance?

Expert Advice

Our certified advisors guide you to the right coverage based on your age, health, family needs and budget.

Multi-Insurer Access

We compare plans from leading Indian insurers to find the best coverage at the most competitive premium.

Claim Assistance

Our dedicated team ensures smooth and efficient claim resolution — we advocate for you every step of the way.

Policy Renewal Tracking

We proactively track your policy renewals and alert you well in advance to ensure continuous coverage.

Ready to Get Started?

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Talk to our advisors for a free, no-obligation consultation. We'll find the right plan for you.

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