K & R Cover has been prevalent in western countries but now lately there is seen an increase in the demand in India for this cover. The General Insurance players who are offering a policy of the same nature are ICICI Lombard, Bajaj Allianz General Insurance, National Insurance and Tata AIG General Insurance.

Coverage:
1. Coverage for Kidnapping
2. Ransom Payment
3. Loss of Income
4. Interest on Bank loans
5. Medical Care Cover

In case of Kidnapping the insurance companies gives benefits to the insured through an Expert Crises Management Team in the hostage situations to get the minimum losses to the kidnapped. The team is trained to negotiate with the kidnappers & to keep the victim alive which is of supreme importance

This cover is normally taken by Corporates for their executives in insecure locations who are in the Top Management team of the company.