Protect Your Income Before It Stops – Choose Excell Insurance
Small shop owners, auto drivers and gig workers don’t have fixed salaries or corporate medical benefits. When illness or accident strikes, income stops immediately — but expenses continue.
At Excell Insurance, we understand the real risks faced by:
Kirana & small business owners
Auto & taxi drivers
Delivery partners & gig workers
Self-employed professionals
We don’t just sell policies. We help you:
✔ Choose the right Personal Accident Cover based on your income
✔ Select affordable Family Health Insurance Plans
✔ Get proper guidance during claim settlement
✔ Avoid policy mistakes that cause claim rejection
✔ Stay protected at low yearly premium cost
👉 Talk to our experts today and secure your future.
Visit: www.excellinsurance.com
📞 Call us for personalized protection advice
Because one accident or one hospital bill should not destroy years of hard work.
1) Is personal accident insurance necessary for auto drivers and delivery partners in India?
Yes. India recorded over 4.7 lakh road accidents and around 1.77 lakh deaths in 2024, making road-based professions high-risk. Personal accident insurance provides financial protection in case of accidental death, disability, or income loss.
2) How much health insurance cover should a small shop owner take in 2026?
Considering rising medical inflation in India, experts recommend a minimum of ₹5–10 lakh family floater health insurance, depending on city and family size. Treatment costs in private hospitals can easily cross ₹1–3 lakh for a single hospitalization.
3) Are gig workers covered by platform-provided insurance?
Some platforms provide limited accidental cover during working hours only. However:
Coverage may be small
Family may not be covered
Off-duty accidents may not be included
That’s why having an independent personal accident and health insurance policy is important.
4) Is personal accident insurance expensive?
No. Basic personal accident policies in India can start from approximately ₹1,000–₹2,500 per year, depending on age and coverage amount. This is a small price compared to potential income loss from disability.
5) Can self-employed individuals claim tax benefits on insurance?
Yes. Health insurance premiums are generally eligible for tax deduction under Section 80D of the Income Tax Act, subject to current tax rules.
6) What happens if a small business owner is hospitalized without insurance?
Without health insurance:
Hospital bills must be paid from savings
Business income may stop
Loans or debts may increase
Long-term financial stress may occur
Insurance prevents this financial shock.
