India International Insurance Singapore Insurance Plans

India International Insurance Singapore – A Complete Look at Their General Insurance Plans

If you’re looking for a stable, established insurer with decades of trust, India International Insurance (I.I.I.) Singapore is one name that deserves attention. Founded in 1987 and backed by The New India Assurance Co. Ltd., this company has steadily grown into one of Singapore’s most experienced general insurance providers.

What I personally find appealing about I.I.I. is that they don’t chase gimmicks—instead, they focus on strong fundamentals, solid claim service, and meaningful protection across motor, property, travel, and commercial risks. Whether you're a family man, property investor, business owner, or traveller, they offer practical, long-term insurance options.

Here’s my full breakdown of insurance plans offered by India International Insurance Singapore:

🚗 1. Motor Insurance – Comprehensive Protection for Drivers

✅ Private Motor Insurance

• Covers:

  • Accidental damage to your vehicle

  • Fire and theft

  • Third-party injury and property damage

• Optional Add-ons:

  • Windscreen cover

  • Loss of use benefit

  • NCD Protector

Why it’s reliable: Designed for car owners who want dependable basic protection, with fair pricing and a no-hassle claims approach.

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✈️ 2. Travel Insurance – For Holidays and Business Trips

✅ Travel Guard

• Covers:

  • Medical expenses overseas

  • Emergency evacuation and repatriation

  • Baggage loss or delay

  • Trip cancellation or postponement

  • Personal accident cover

Best for: Individuals, couples, or families looking for peace of mind while travelling, with generous medical and emergency limits.

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🏠 3. Home Insurance – Protection for Your Assets and Peace of Mind

✅ Houseowners / Householders Insurance

• Provides cover for:

  • Building (if owned)

  • Household contents

  • Fire, flood, theft, and malicious damage

  • Public liability as homeowner or tenant

Who it suits: Owners of HDBs, condos, or landed homes, as well as tenants who want to protect their belongings and renovations.

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🧑‍⚕️ 4. Personal Accident Insurance

✅ Personal Accident Plan

• 24/7 worldwide protection

• Covers:

  • Accidental death or permanent disability

  • Medical reimbursement

  • Weekly hospital cash allowance

Why I like it: Straightforward, no-frills cover ideal for students, workers, and seniors who want affordable accident coverage.

🧳 5. Foreign Worker & Domestic Helper Insurance

✅ Foreign Worker Medical Insurance

• MOM-compliant coverage for:

  • Hospitalisation and surgical expenses

  • Emergency care

  • Repatriation costs

✅ Maid Insurance

• Covers:

  • Personal accident benefits for helper

  • Hospital and surgical costs

  • Replacement maid expenses

  • Letter of guarantee to MOM

Best for: Employers looking for reliable and affordable coverage that meets Singapore’s legal requirements.

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🏥 6. Health & Hospitalisation Insurance

While I.I.I. doesn’t offer mainstream private integrated health shield plans, they do provide:

• Group Medical Insurance for corporate clients

• Basic health protection under travel or personal accident umbrella policies

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🏢 7. Commercial & Industrial Insurance

India International Insurance is especially strong in the corporate and SME segment, offering tailored protection across multiple industries.

✅ Work Injury Compensation (WICA)

• Compliant with MOM requirements

• Covers:

  • Work-related injuries

  • Medical expenses

  • Lost wages

  • Permanent disability or death

✅ Fire & Property Insurance

• Covers:

  • Fire damage to buildings, machinery, stock-in-trade

  • Lightning, explosion, and other fire-related perils

• Ideal for:

  • Factories, offices, warehouses, and retail shops

✅ Marine Cargo Insurance

• For import/export companies

• Covers goods in transit by sea, land, or air

✅ Burglary & Theft Insurance

• Covers loss or damage to property due to break-in

• Includes forcible entry and armed robbery

✅ Public Liability

• Covers:

  • Legal liability for injury or property damage to third parties

  • Often required for event organizers, landlords, and contractors

✅ Contractor’s All Risks (CAR)

• For construction and engineering businesses

• Covers:

  • Material damage to project site

  • Third-party liability during construction

✅ Professional Indemnity Insurance

• For:

  • Accountants

  • Engineers

  • Consultants

• Covers:

  • Errors and omissions

  • Legal defence costs

Why it matters: These are essential policies for SMEs and large corporations, especially in real estate, trade, logistics, and consulting.

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📦 8. Miscellaneous Insurance Solutions

• Plate Glass Insurance – For shopfronts and business premises

• Money Insurance – For retail or high-cash operations

• Fidelity Guarantee – Covers employee dishonesty and fraud

• Machinery Breakdown Insurance

• Erection All Risks Insurance

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📱 Highlights of India International Insurance Singapore

• Decades of solid track record since 1987

• Serves both retail and corporate clients

• Efficient local claims handling team

• Customisable policies for niche industries

• Trusted by importers, manufacturers, real estate firms, and SMEs

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✨ Final Thoughts – Why India International Insurance is Still Relevant Today

In a market full of new-age insurers, India International Insurance Singapore reminds me that reliability and real-world protection still matter most. Their policies may not come with flashy marketing, but what they offer is strong, proven insurance built on decades of risk knowledge.

For businesses, I.I.I. provides a solid backbone for operational protection. For individuals, their motor, travel, and home policies are affordable, honest, and practical. If you're someone who values stability and straightforward service, I.I.I. is a name you can trust.

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🔗 Official Website: https://www.iii.com.sg