Premium Insurance | Your well-being is Premium

Insurance Solutions for Individuals

"Covering the life you’ve built — and the dreams you’re building."

Homeowner’s Insurance

This policy protects the physical structure of your residential home against a wide range of unexpected events that could cause loss or damage.
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  • Fire, lightning, storm, hail, and flood damage
  • ⁠Theft or attempted theft (with forcible entry)
  • ⁠Vandalism and malicious damage
  • ⁠Earthquakes and subsidence
  • ⁠Damage to garages, gates, fences, and outbuildings
  • Gradual wear and tear or poor maintenance
  • Illegal or unapproved construction work
  • Damage from pests, vermin, or fungus
  • Properties left unoccupied beyond a set period

Householders’ Insurance

This policy covers the contents inside your home — from personal belongings to electronics — against loss, theft, or damage.
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  • Household contents such as furniture, appliances, clothing
  • Theft, fire, smoke, and water damage
  • Accidental damage (optional cover)
  • Temporary accommodation if your home becomes uninhabitable
  • Loss or damage due to negligence
  • Items not disclosed or listed
  • Business-related equipment stored at home
  • Theft without evidence of forced entry

Motor Insurance

A policy that provides financial protection for private vehicles against damage, theft, and third-party liabilities resulting from road incidents.
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  • Accidental damage to your car
  • Third-party liability (injury or damage to others)
  • Theft, hijacking, and attempted theft
  • Fire and explosion
  • Glass/windscreen repair
  • Emergency towing after an accident
  • Driving under the influence of alcohol or drugs
  • Mechanical or electrical breakdown
  • Damage during unlawful activities or racing
  • Unlicensed or unauthorized drivers

Personal Accident Insurance

This policy provides compensation if you suffer bodily injury, disability, or death as a result of an accident.
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  • Accidental death and permanent disability benefits
  • Temporary disability and income replacement
  • Hospitalization and medical expenses
  • Funeral and repatriation costs (optional)
  • Suicide, self-inflicted injury
  • Injuries while intoxicated or under drugs
  • Pre-existing medical conditions
  • Injuries during criminal acts or extreme sports

Travel Insurance

A short-term policy for travelers that provides protection against medical emergencies, trip delays, and losses while abroad.
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  • Emergency medical expenses
  • Trip cancellation or interruption
  • Lost, stolen, or delayed luggage
  • Travel delay and missed connection
  • Emergency evacuation and repatriation
  • Traveling against medical advice
  • Pre-existing conditions (unless declared)
  • Non-disclosed high-risk sports or travel to war zones
  • Routine or elective procedures

Health Insurance

A private medical insurance policy that gives individuals access to quality healthcare services, both locally and internationally.
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  • Inpatient and outpatient treatment
  • Diagnostic tests and specialist consultations
  • Emergency services and hospitalisation
  • Maternity (optional), dental, and vision care
  • Chronic disease management
  • Cosmetic and elective procedures
  • Experimental or unlicensed treatments
  • Unapproved healthcare providers
  • Pre-existing conditions (unless included)
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