insurance policy for Jewellery, videsh yatra and mediclaim
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Transcript of insurance policy for Jewellery, videsh yatra and mediclaim
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8/3/2019 insurance policy for Jewellery, videsh yatra and mediclaim
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SERVICE MANAGEMENT
CIA 3
Vivek Agrawal 1011352Akaankshaa P. 1011354Arpitha Reddy 1011355
Faalguni Agarwal 1011356
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Medical Claims
Medical insurance is bought as aprotection against an unforeseenhealth expenditure. But that's
just half the work done. The otherhalf actually begins when anyillness is detected. Customersblame insurance companies andagents when the entire claim or apart of it is rejected due to lack ofdocuments.
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Key Benefits
Comprehensive coverage foryour family with floater benefit.
Cashless claims facility at
over 4,000+ networkhospitals across India
No sub-limits on room rent,
doctor fees, and hospital chargesor for any disease (exceptCataract).
No co-payments for any disease
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What is covered
Medical expenses incurred as aninpatient during hospitalisationfor more than
24 hours, including roomcharges, doctor/ surgeon's fee,medicines bills, etc
Medical expenses incurred 30days prior and 60 days posthospitalisation
Day Care expenses incurred on
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What is not covered
Exclusions valid for the first30 Days
Any illness contracted within 30
days of the inception date of thePolicy, except those that areincurred as a result of an
accident. This clause is notapplicable on thesubsequent renewals
Any illness/ disease/ injury/ pre-
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Expenses arising from HIV orAIDS and related diseases, use ormisuse of liquor,
intoxicating substances or drugsas well as intentional self injury
War, riots, strike, nuclear
weapon, induced treatment
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What is JewelleryInsurance?Jewellery insurance is insurance
which is designed to cover
replacement costs for jewellerywhich is lost, stolen, ordestroyed.
Like other types of insurance,jewellery insurance comes in a
number of different types, andthe policy is often accompaniedwith a number of caveats.
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In order to obtain jewelryinsurance, most companiesrequire that the jewels be
appraised.The appraisal process determines
the value of the jewelry, and also
provides a detailed description ofthe pieces which will be kept onfile at the insurance agency.
Some agencies have a list of
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Once appraised, a policy can bewritten up.
The policy usually covers the
replacement cost of the item,with some companies providingcash settlements, while others
insist that the payment be usedfor replacement.
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Policy for insurancejewellery. Jewellery insurance fully protects
ones jewellery items for everyevent and is comprehensive that
no other insurance products arerequired to give additionalprotection.
If a person is covered for loss,theft or damage of jewellery athome and also on travels, thisshould also include internationaltravel but we still must file a
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Jewelry Insurance Policydoes not typically coverLoose diamonds or uncut
diamonds mainly because theirexact value cannot be
determined accurately andfraudulent claims can easily bemade.
Jewellery insurance doesn'tcover any new jewellery that isnot listed in the policy.
As soon as one buys or receives
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People should read jewelryinsurance policies carefully todetermine what is covered.
Some people assume that rentersand homeowner's insurancecovers jewelry as well. In fact,
jewelry is often excluded fromsuch policies.
Some companies offer gem
insurance for loose gems, such as
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Additional coverage for ajewelry insurance policyIf you have a pair of earrings, or
any item of jewelry that comes ina pair, if damage is suffered to
one part you normally areinadequately covered. As anadditional cover you shouldensure that all pairs should bereplaced in the event of theft, ordamage to just one of the pieces.
Jewelry insurance is based on theaccurac and com leteness of
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VIDESH YATRA POLICY
TRAVEL INSURANCE
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INTRODUCTION
Travel abroad is stimulating but not withoutrisk
Risk of accidents, sickness, emergency cash
needs, baggage loss, loss of passport
Insurance policy for specific country requiredbecause:
Existing local plans offer no coverage abroad
Unaware of cost of expenditures e.g UK
Hospitals abroad refuse to treat withoutins ran
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VIDESH YATRA MITRA
Two types of international insurance covers:
a) Standard Cover b) Videsh Yatra Mitra
Videsh Yatra Mitra- India Specific with
compatible global standards
Companies: United India Insurance co. Ltd.
TATA AIG General Insurance
CompanyBajaj Allianz General Insurance
ICICI Lombard Insuranace
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Policy provides for indemnity for expensesincurred during overseas travel and which is
primarily in the nature of an emergency and whichis necessary to be undertaken immediately.
Eligibility (6 mths-70 years of age)
1) Indian Residentsa) business and official purposes
b) holiday purpose
2) Foreign Nationals working in India.
Policy from 1st day of insurance till last daymentioned/return to India.(whichever is earlier)
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Coverage
Medical+ repatriation expenses
Personal accident, total loss of checkedbaggage, delay of checked baggage, loss ofpassport and personal liability
Formalities
.
Completed Proposal Form. Premium in Cash. Medical Test Reports
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Thank you!