chapter 235

PART-1

askari general Insurance Co.Ltd

Part-2Introduction of askari General Insurance Company Ltd.askari general insurance co. ltd (agico)

Company established in October 1995, was sponsored by Army Welfare Trust (AWT), Askari Commercial Bank ltd (ACBL) and Askari Leasing Ltd (ALL). It is a public limited company, listed on all three Stock Exchanges of Pakistan i.e. Karachi, Lahore and Islamabad. The company provide general insurance products and services to all sectors of the market.

The company has earned itself a reputable place amongst top players of insurance industry. agico 's financial strength and rapid growth has been achieved through its policy of retaining and reinvesting a large part of the profit to strengthen the Paid Up Capital and Reserves. The company's financial position provides security to the clients and ensures progressive return to the stakeholders.

Agico transacts all classes of non-life insurance business. It holds a strong position in Health Insurance and is the leader in it's expansion. The company has a large base of prestigious Pakistani and multinational clients being served through a network of 16 Branches spread all over the country.

Human recourse is the main stay of the company and is imposing for its highly qualified and entrusted staff. The company is committed to create insurance awareness and promote insurance culture through its highly motivated and dedicated team of professionals.Vision The Vision of askari general insurance company is to be amongst the leading insurance companies of the country with the clear perception of upholding the principles of corporate governance and making agico a profitable and growth oriented insurance company while creating insurance awareness and cultureMission The Mission of agico is to become a leading company by providing client friendly services through highly motivated team of dedicated professionals and ensuring progressive return to the stakeholders.Corporate structureChairman Lt. Gen. (Retd) Zarrar Azim

Directors Brig. (Retd) Mohammad Shiraz Baig

Brig. (Retd) Javed Qayum

Brig. (Retd) Muhammad Bashir Baz

Brig (Retd).Mushtaq Ahmed MalikSyed Suhail Ahmed Rizvi

Audit Committee Brig. (Retd) Muhammad Bashir BazChairmanMr. Syed Suhail Ahmed RizviMember

AuditorsKPMG Taseer Hadi & Co.Chartered Accountants

Legal AdvisorMr. Farrukh Karim Qureshi

BankersAskari Commercial Bank LimitedNational Bank of PakistanHabib Bank.Standard Chartered Bank

Registrar and Share Transfer OfficeTHK Associates (Private) Limited,Ground Floor, State Life Building-3

Dr.Ziauddin Ahmed Road, Karachi Tel: 111-000-322Fax: 021 - 5655595

Registered Office/Head Office 4th Floor, AWT Plaza, The Mall, Rawalpindi, PakistanTel: 051 - 9272425 - 7 Fax: 051 - 9272424Web Site: www.agico.com.pke-mail : [email protected]

President & Chief Executive Mr. Mohammad Jamaluddin

Executive Vice Presidents (Marketing)Syed Hassan Nadeem Rana Shahbaz Ahmed

Senior Vice PresidentsMr. Muhammad Afzal (H.O)Engr. Ehtesham Malik (Engineering)Sheikh Abdul Qayyum (Claims)Mr. Muhammad Iqbal (Reinsurance)Mr. Waseemullah (Company Secretary/CFO)Mr.Najam Irshad

Senior Vice Presidents (Marketing)Ch. Shams-ul-Haq Mr. Shah Saud Mirza Mr. Sarfraz Ahmed Tarrar

Vice Presidents Maj. (Retd) Muhammad Ajmal Khan Mr. Ali Munem ShamsiMr. Sohail KhalidMr.Jamil Ahmed (C.A)

Vice Presidents (Marketing) Mr. Mubashir-ul-Hassan Mr. Tahir-ul-Haq Sh.Muhammad HanifSh.Abdul Wahab

Assistant Vice PresidentsMr. Ghulam Ashgar Mr. Waqas Ahmed Mr. Sohail Younas

Assistant Vice Presidents (Marketing)Mr.Ikram ZaiMr.Moeenuddin

ManagersMr. Tazeem Hussain Mr. Gulzar Hussain ShahSyed.Imran Abid (I.A)Mr.Noor Afsar Mr.Gulfraz Anis Mr.Muhammad Ali Soomro Mr.Qamar Ikram Sheikh Mr.Shahid HussainMrs.Tallat RazaMrs.Samina KhanMr.Shahid HussainMr.Tahir MahmoodMr.Faisal EjazMr.Taqiuddin

Branch Network Of Agico

Head office:RawalpindiNational Business Center, Murree Road, Rawalpindi. Tel : (051)9290489,9290499 Fax : (051)9290479 Email: [email protected]:

Islamabad

11 West,Jinnah Avenue,Blue Area,Islamabad. Tel : (051)2279565,2270471-2, Fax :(051)2279566 Email: [email protected]

Jhelum 1st Floor,Soldier Plaza,Civil Lines, Jhelum. Tel : (0544)9270339 Fax: (0544)9270374 Email:[email protected] Floor, Oberoi Cooperative Building, Paris Road, Sialkot.Tel : (052)4582381 Fax :(052)4582382 Email:[email protected] floor,Al-Azahar Plaza opp.Iqbal high school Ghala Mandi,G.T Road,Gujranwala. Tel: (0431)3856324,3734326 Fax:(0431)3856325 Email:[email protected] Lahore3rd Floor,Al Malik Plaza,19 Davis Road, Lahore. Tel : (042)6308633-4 Fax : (042)6308635 Email:[email protected] 2nd Floor,Platinium Centre,Kotwali Road, Faisalabad. Tel : (041)645802-4 Fax :(041)645801 Email :[email protected] Floor,Jalil center,Abdali Road, Multan. Tel : (061)547842 Fax :(061)547862 Email: [email protected] Floor,Gul Centre,Thandi Sarark,HyderabadTel : (0222)729689 Fax :(0222)783976 Email:[email protected] Floor, AWT Plaza,I.I.Chundrigar Road, Karachi. Tel : (021)2639818-9,2219593-94 Fax : (021)2638362 Email:[email protected] 3rd Floor, Anum Empire, Z-1 CC Area Block 7/8 K.C.H.S, Shahra-e- Faisal Karachi. Tel : (021) 4325032-5, Fax : (021) 4325031 Email:[email protected] Floor, AWT Plaza,I.I.Chundrigar Road, Karachi. Tel : (021)2214333Fax : (021)2214332 Email:[email protected] Floor,State Life Building,The Mall, Peshawar Cantt. Tel : (091)5284768 Fax :(091)5284769 Email:[email protected]

The board of directors of the Silver Star Insurance Company Limited has identified and established the main objectives of the company which describes as follows.

General insurance business including Fire, Marine, Motor, Miscellaneous and to become the most competitive insurance company in Pakistan with efforts to established nationwide presence.

Maximum satisfaction to our clients by providing maximum protection with minimum efforts of clients and prompt settlement of claims by provision of proper and comprehensive guidance to the valued clients.

Effective and efficient deployment of all available resources of the company is our best resource and assets of the company.

Employees and employer relationship on strong basis without existence of any conflicts.

Continuous improvement, research and development with changes in its environment aimed at better and quality services.

Part-3

Products & Services of CompanyAskari general insurance company provides a variety of policies under the following heads.

Health Insurance

The health incurance programe introduction We are pleased to introduce our product askari health The health insurance progamme to overcome financial inability and to meet huge medical expenses. A unique concept of medical insurance has been proved highly successful. Medical insurance can relieve the people from the worries of unexpected diseases ailments, surgery, operations and out patients care. The Group Medical Insurance curtails ht administrative burden and financial pressures. We offer expanded and diverse benefits as details are given below which will give you some insight in to the many benefits to be derived from our HEALTH INSURANCE POLI CY. Health and its maintenance remains one of mankinds primal concerns, but due care to tackle it remains deficient up to date. Many concepts and methodologies evolved in this regard with variable degree of success and failure.

health insurance is a concept which is not very old however the world has now witnessed many decades since its inception. The system has been through many ups and down but its basic concept and idea remains unaltered and the progress of its expansion continues. Health insurance has beyond doubt played a pivotal role in the delivery of health care services. In Pakistan the group health insurance was introduced more than three decades back, despite all these years its significance was never acknowledged. However the past few years has seen a growing interest in both its understanding and acceptance as a vital tool in deliverance of health services to the people.

Askari general insurance company(AGICO) & askari health

Askari general insurance co ltd. is a sponsorship of Army Welfare Trust (AWT) which has emerged as a major industrial and commercial conglomerate in Pakistan. AGICO. has arranged re-insurance treatise with eminent, world-renowned reinsures, like (Munich Re-Insurance Co. Germany, Assicurazioni-Italy). Sedgwick International-UK.

The importance that askari insurance awarded to Group Health Insurance program can be appreciated from the facts that;

Askari Health Insurance

Askari healthThis is a Group Medical Insurance also called Group Hospitalization Policy. It is a comprehensive program that covers medical cost of out patients (OPD), hospitalization, Surgical treatment, Maternity, Dread Diseases & Specialized Investigations in OPD ( First time introduced by askari general insurance company ltd in Pakistan).

Who is Covered ?

All Categories of employees are covered upto the age of 60 years.The policy is designed in a manner to cover all the employees their spouse and dependant children up to the age of 21 years. Special modules are designed to cover dependent parents and employees more than 60 years. In case of female children age relaxation is till the time they get married or employed. Special age relaxation in case of male children upto the age of 25 years is workable.

company does not insure and no benefit is payable on account of the following:

Confinement or surgical/medical operation or procedure not recommended by a legally licensed / registered physician, surgeon or specialist.

Pre-existing illnesses or accidental injuries, unless fully disclosed prior to the date of eligibility or at policy commencement for insurance and approved by the company.

Accidents, mental illnesses, and any sickness, or condition arising from drug abuse,alcoholism or an insureds criminal act.

Self-inflicted injuries while sane or insane, including attempt to commit suicide.

General check-ups, routine physical examinations, routine preventive measures and or rest cures, confinements which are primarily for diagnostic purposes.

Supply or fitting of eyeglasses, contact lenses, laser corrective procedure for errors of refraction, radial keratotomy, corneal transplant, excimer laser or any hearing aids.

Cost of limbs or supporting equipment for revival or correction of the function of the body, rehabilitation aid equipment like wheelchair, crutches etc.

Personal comfort items like charges for telephone and meal.

In-hospital dental examinations, x-rays, extractions or fillings unless necessitated due to accidental injury occurring while the insured was covered under the policy.

Cosmetic or plastic surgery unless necessitated due to accidental injuries occurring while the insured is covered under the policy. Medication used for cosmetic reasons, dietary products/supplement, medicated pediatric milk products even if advised by a physician.

Medical expenses or cost of management of rehabilitation of handicapped children.

Expenses directly or indirectly resulting from or consequent upon congenital defects and deformities of any nature whatsoever both physical and mental.

Treatment/procedure requiring prosthetic implants (except Intra-Occular Lens).

All laproscopic surgeries / procedure.

Test, treatment and investigation relating to infertility, sterilization, contraception and any related complication.

Charges for special nursing, inoculation, and circumcision unless covered under any endorsement or policy clause.

Injuries while traveling by air or marine transportation, except as a fare paying passenger in a licensed aircraft or marine transport being operated by a licensed airline/sealine according to the public schedules.

Injury or illness due to war, invasion, civil war, revolution, insurrection or military uprising and the insured taking part in paramilitary forces, treatment from natural hazards such as earthquake, landslide, etc.

Injuries, disease or illness directly or indirectly due to or arising from mountaineering, rock climbing, hunting, steeple chasing, polo or winter sports, or racing or engaging in any hazardous activities such as aviation or ballooning and injuries resulting from involvement in any terrorist and unlawful activities.

Ionizing radiation or contamination by radioactivity from any nuclear fuel & nuclear waste.

The radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear components thereof.

Naval or Military or Air Force or Police Force operations planned or conducted against bandits, terrorists or other like elements.

Injuries and ailments pertaining to Industrial or Occupational hazards.

Deliberate exposure to exceptional danger (except in an attempt to save human life) or the insured persons own criminal act.

Custodial care or period of isolation.

Treatment of any ailment or damages cost resulting from any mismanagement, negligence or malpractice of an unqualified or qualified Physician / person or hospital / institution.

Any treatment or procedure performed on un-born fetus.

O.P.D TREATMENT BENEFITS (PER FAMILY ANNUAL):

The OPD-expenses means reasonable and customary charges for all medically necessary treatment and services provided by or on the order of a Physician to the insured person, as a result of sickness or injuries not necessitating in-patient treatment / hospitalization.

Charges / fees paid to registered general medical practitioner, homeopath or hakeem and specialist consultation.

Prescribed medicines and treatments including surgical dressings, physiotherapy and acupuncture.

Laboratory and X-ray examinations, ECG, EEG, EMG,ULTRASOUND and other diagnostic tests.

Dental Treatment except cosmetics (braces, scaling, crowing and dentures are excluded).

HOSPITAL EXPENSES BENEFIT. PER PERSON PER CONFINEMENT PER AILMENT.

NON PREGNANCY NON DREAD DISEASE RELATED. Indoor Treatment Expenses (includes Surgical expenses, Anesthesia, O.T. Charges, Consultation Fee, Nursing Charges etc.).

Investigation and Medicines. Miscellaneous expenses.

One week pre hospitalization cost of Diagnostic Tests and two weeks post hospitalization consultation is payable from the same hospitalization limit provided that the post hospitalization consultations are with the same surgeon.

MATERNITY BENEFITS

Following benefits are payable under this cover.

Pre and post natal expenses as per policy.

2.Gynaecologists fee.

Labor Room & Operation theatre charges.

Anaesthetist fee.

Medicines.

Diagnostic tests.

Baby Nursing Care.

Circumcision of a baby boy(as per policy).

Baby nursing care.

D&C and D&E.

Cesarean Section and Complicated Deliveries/ Pregnancies on recommendation of specialist only

SPECIALIZED INVESTIGATION PER FAMILY ANNUAL. This concept of classified OPD is being introduced by askari health. This includes benefits to cover cost incurred on highly specialized investigation on outpatient basis on recommendation of a specialist only which does not require hospitalization. These include the following tests only:

CAT-SCAN.

MRI.

NUCLEAR SCANS.

ERCP (endoscopic retrograde cholangio-pancreatograohy).

ANGIOGRAPHIES. DREAD DISEASES. Management of acute Myocardial infarction (Heart Attack) Coronary artery by-pass grafting.

Management of all type of Malignancies (Cancer) Cerebro vascular Accidents (CVA- Stroke) Management of Renal Failure (Kidney Failure) Renal and other major organ transplants.

Major burns.

Multiple sclerosis.

Aids complex. Pre-hospitalization expenses for one week & post- hospitalization medication & consultation for two week will be covered; the expenses will be included in the prescribed hospitalization limit.

Intra-ocular lens implant (IOL).

Daycare surgeries.

50% enhancement of hospitalization limit in case of on road accidents (ROAD TRAFFIC ACCIDENTS R.T.A. ONLY) and off road accidents.

Free of cost Specialized Investigation per family annual in OPD (a unique feature of askari health).

Free circumcision of a baby boy.

Free consultancy from official Doctors both at Islamabad and Karachi only.

Country wide panel of hospitals available for credit facility.

HOSPITALIZATION: shall mean the insured's stay in hospital for a minimum period of 24 hours for either treatment or observation due to disease, sickness or bodily injury.

HOSPITALIZATION EXPENSES: means reasonable and customary costs and expenses for in-patient including Medical, surgical, Specialist, Hospital, Nursing Home Nursing Attendance Charges, Cost of Physiotherapy, Massage and Manipulative Treatment, Surgical and Medical Requisites except Cosmetic Surgeries. Except as provided in clause 7 under "EXCLUSIONS".

All these expenses to be necessarily incurred, arising from Accidental Bodily Injury or illness manifesting itself during the policy period incurred within 12 months of the date of accident or illness unless such treatment is continuous

PRE-EXISTING AILMENT: The acceptance or rejection of any pre-existing ailments is the sole discretion of askari health and subject to its disclosure in the declaration form A and its acceptance by askari health against special risk premium or otherwise.

FAMILY: Family shall mean Employees, Spouses and dependent Children.

TREATMENT AT PANEL / APPROVED HOSPITALS: In case credit facility at the company panel hospitals is utilized, the employee is required to submit an attested photocopy of credit letter duly signed by the employee along-with a copy of National Identity Card in case of adults. Credit arrangements are available for in-door treatment at these hospitals. List of these hospitals is attached with this proposal. The company may amend this list from time to time. Hospital bills for availed facilities covered under the policy are directly settled by the company, excluding charges not covered under the policy, and any excess payments or payments demanded by the hospital for any reason. We would also like to inform you that it is your choice to select any hospital you desire and upon selection of your desired hospital we would include that hospital on our panel subject to fulfillment of our specifications.

INTIMATION & PRIOR APPROVAL: Where indemnity is on re-imbursment basis in case of a scheduled hospital confinement (i.e. other than an emergency) in a hospital, which is not an approved hospital, the employee must first seek prior approval from the company by submitting a cost estimate from the physician for the hospital confinement and procedures to be carried out. The company would then issue an approval letter, a copy of which should be sent along with the claim papers for settlement of claim within four weeks of discharge from the hospital. Settlement of such claims shall be on reimbursement basis.

ADDITION / DELETION PROCEDURE: To add/delete the employees and/or their dependant family members during the policy period premium will be calculated on prorata / short period rates. The refund of premium will be subject to no claim of that individual.DESCRIPTION BENEFITS CATEGORY (RS/-)

HOSPITAL EXPENSES BENEFITS ABCD

ROOM RENT 2600 2,000 1,600 1,000 TOTAL ROOM RENT (for 15 days) 39,00030,00024,000

15,000OPERATION THEATER / ANESTHESIA. 11,0007,5006,0004,500SURGEON FEE. 15,000 11,2509,0006,500LABORATORY TEST / NURSING 5,0003,7503,0002,000CONSULTATION FEE. 5,0003,7503,0002,000MEDICINES. 20,00015,00012,0008,000HOSPITAL MISC.EXPENSE ACTUAL 5,0003,7503,0002,000TOTAL PER CONFINEMENT PER AILMENT/ PER-PERSON

100,000 75,000 60,000 40,000 MATERNITY BENEFITS NORMAL DELIVERY 20,00015,00010,000 8,000CESAREAN SECTION 35,000 25,000 17,500 15,000 OUT PATIENT BENEFIT PER FAMILY (ANNUAL) 10,000 7,500 6,000 4,000 DREAD DISEASE 300,000 250,000 100,000 100,000 SPECIALIZED INVESTIGATION 15,000

15,000

15,000

15,000

;

Travel insurance

Individual and families travel insurance

Askari travel insurance policy is the most economical and comprehensive, families and individual single and multi trip travel plans, backed b world famous top most assistance company MAPFRE ASSISTANCIA designed for all residents of Pakistan proceeding abroad for business or pleasure or visiting holy places around world. MAPFRE ASSISTANCIA guarantees our customers a problem-free trip very time regardless of the nature of the trip. We offer a wide range of travel insurance which adopts to the needs of each trip and provides the assistance needed at the place where it is needed and in time.

Our plans are designed to give you and your family medical expenses and hospitalization emergency cover up to US $ 100,000 with additional benefits of personal accident cover, repatriation in case of ill ness, repatriation of mortal remains, escort of dependant child and many more.Wide range of plans for Pakistani residents traveling to Shengen countries, worldwide and USA.

The only choice is askari travel Packages provided by askari under travel insurance:

S.NoCoversStandardsSilverGoldPlatinumSchengen Ziaraat

1Medical expenses& hospitalization abroad$10,000 excess $50$25000 excess $50$50000 excess $50$10000 excess $50$50000 excess $50$10000 excess $50

2Transport or repatriation in case of illness orActual expensesActual expensesActual expensesActual expensesActual expensesActual expenses

3Emergency dental care$600 excess $60$600 excess $600$600 excess $60$600 excess $60Actual expenses$600 excess $60

4Repatriation of family member traveling with the insuredActual expensesActual expensesActual expensesActual expenses$15000Actual expenses

5Repatriation of mortal remainActual expensesActual expensesActual expensesActual expensesActual expenses

6Escort of dependantActual expensesActual expensesActual expensesActual expensesActual expenses

7Travel of one immediate family member$100/Day-max $1000$100/Day-max $1000$100/Day-max $1000$100/Day-max $1000$100/Day-max $1000

8Emergency return home following death of a close family memberActual expensesActual expensesActual expensesActual expensesActual expenses

9Delivery of medicineActual expensesActual expensesActual expensesActual expensesActual expenses

10Relay of urgent messageunlimitedunlimitedunlimitedunlimitedunlimited

11Long distance medical information serviceunlimitedunlimitedunlimitedunlimitedunlimited

12Medical referralActual expensesActual expensesActual expensesActual expensesActual expenses

13Connection servicesunlimitedunlimitedunlimitedunlimitedunlimited

14Advance of bail bond$12000$12000$12000$12000$12000

15Loss of credit card$2000$2000$2000$2000$2000

16Trip cancellation$1000$1000$1000$1000$1000

17Delayed departure$1000$1000$1000$1000$1000

18Compensation for in-flight loss$1000$1000$1000$1000$1000

19Location and forwarding of baggageunlimitedunlimitedunlimitedunlimitedunlimited

20Accidental death$5000$10000$20000$25000$5000

PREMIUM CALCULATIONWorld wide without USAStandardSilverGoldPlatinumSchengenziaraat

TenureIndividualFamilyIndividualFamilyIndividual familyIndividual FamilyIndividualfamilyIndividual family

Up to 7days140228041615323017833566356071201615323015003000

up to 10 days178235641996399222064412440788142003400618003600

up to 15days2376465228415682296859365761115222803560624004800

Up to 21days2968593633916782373074607623152463391768230006000

Up to 31 days47459490538110762593111862192093841853891077848009600

Up to 62days7961159228977179549992199842387347746897717954800016000

up to 92days111782235612532250641388627772279365587212532250641200024000

Up to 6months15916318321794935898199803996039785795701794935898

Upto 1 year238714774226920538402979859596597591195182692053840

Up to 2 year382627652443002860044774195482895521791044181783634

Maximum insured age: 65 years old(for person aged between 66 and 75 years, increase 50%)

(for person aged between 76 and 80 years, increase75%)

(for person aged between 81 and 85 years, increase100%)

Children 6 months to 16 years

Family policy: husband, wife and up to 3 children

Important notes:

Maximum cover 90days for single trip.

For USA increase 70% except platinum plan

Schengen plan for schengen countries

Ziaraat plan for Saudi Arabia, Iran, Iraq, Syria etc.

Fire Insurance

The Fire policy can be issued with allied perils such as: - Riot and Strike DamageThe Fire Insurance Policy extend to cover Riot and Strike damage, which for the purposes of this cover, the act of any person taking part together with others in any disturbance of the public peace and the willful act of any striker or locked-out worker done in furtherance of a strike or in resistance to a lock-out. SSICL will indemnify the policyholders loss arising out from such kind of situation. The Riot and Strike cover exclude the damages of war, invasion, act of foreign enemy, hostilities or warlike operations civil war, Mutiny and civil commotion.

Riot and Fire DamageThe act of any person or persons taking part together with others in any disturbance of the public place whether in connection with a strike causing loss or damage to the property by Fire directly Atmospheric DisturbanceThe risk of Atmospheric Disturbance can also be added in Fire Insurance Policy. The risks of atmospheric disturbance provide the protection against the damages of Hail, Snow, Wind, Hurricane, Cyclone, Tornado.

Malicious DamageUnder the Fire Insurance policy Riot and Strike damage shall extend to include Malicious Damage, which for the purpose of this extension shall mean, the destruction of property directly caused by the malicious act of any person not being an act committed in connection with an occurrence mentioned in Riot Strike endorsement. The malicious damage extension under a fire policy is regarded as excluding destruction or damage to property actually stolen and any incidental damage directly attributable to theft. The extension does, however, pick up any other malicious damage caused by intruders whether or not any element of theft is involved.

ExplosionLoss or damage to the property insured under the risk of Fire or otherwise directly caused by explosion.

EarthquakeSSICL gives cover for both fire and shock damage caused by earthquake. If required either can be insured on its own, at a lower premium. On request subterranean fire can be added to the wording.

TerrorismThe use of violence for political ends and includes any use of violence for the purpose of putting the public or any section of public in fear causing damages properties and lives of human by making explosions or otherwise directly caused by an act of terrorism committed by a person or persons acting on behalf of or in connection with any organization. The risk of terrorism cannot be covered unless the primary risk of Riot Strike Damage, Malicious Damage and Explosion are not obtained in the fire policy.

Aircraft DamageIn most of the cases the Aero Planes crash during their take off and landing time a fell on the populated areas, in some cases the parts of the aircraft separated from the aero plane just as landing gears and other devices or articles dropped on the ground causing damages to the properties and human lives by fire or otherwise. In the west the populated areas near the airport must have their fire policies inclusive of Aircraft Damage.

Burglary Insurance:Any property belonging to a business or house held stolen from the business premises or from the house, the Burglary Insurance Policy will indemnify the insured for the loss of property from the insured premises subject to forcible entry into the premises by breaking wall, windows, grills fence and locks. In such cases the matter must be reported to the police in writing and after entry of the report the insured must obtain a certified copy of F.I.R. from the concerned police station. It is the duty of the insured to pursue the matter with the police for the recovery of stolen property from the culprits.

These are the allied perils which can be included in the Fire policy by charging additional premium separately. The SSICL on payment of an additional premium, paid by the client, may extend the fire policy that includes various allied perils.

Marine Insurance

Marine Insurance coverage is given to Import and Export of goods from one port to other port under the voyage by Sea, Air and by Rail/Road transit. Askari offers different types of risks coverage for the explained categories.

Marine Import:askari providing the coverage for different risks associated with the import of good from one port to any other port of the world either by Sea, Air or by Rail/Road, whether by trains or trucks.

Marine Export:In marine export askari provides the protection of insurance to the exported goods by various means of transport as explained in the marine import.

Inland Transit:The Carriage of goods from one city to the other city either across the borders or inside the country or even within the city by Rail/Road, to protect the clients interest, askari is providing the simple Rail/Road single journey transit insurance cover.Motor Insurance

Comprehensive Insurance

askari offers the absolute protection to its clients, which are being used their vehicles for private or business purposes, in a shape of comprehensive motor insurance. The comprehensive insurance embraces within one document a great deal of protection.

askari under comprehensive coverage provides an indemnity against losses and damages to the Insureds vehicle. According to the Motor Vehicle Act, 1938, the vehicle should be compulsorily insured before to come on road.

Third Party Insurance askari also offers the third party motor insurance coverage to its clients. The Third Party Insurance indemnifies the Insured against damages and claimants costs and expenses incurred in respect of damage to property where death, injury or damage arises out of an accident.

Third Party Liability Insurance

Third Party Liability Insurance policies can be issued separately. The extra benefits can be included in the insurance policy by paying risk wise additional premium regarding Legal Liability to Paid Driver, Accident to Insured & his / her spouse, Accident to passengers. Agricultural Tractor Insurance askari has taken the initiative to offer Comprehensive Agricultural Tractor Insurance to protect the cultivators from any kind of prospective loss to their Agricultural Tractors, as in Comprehensive Insurance.Miscellaneous Insurance

Askari deals in various categories of Miscellaneous Insurance, which are as:

Cash in Transit: Askari is , to protect the businessmens wealth at each level, is facilitating their physical cash transactions under the umbrella of Cash in transit policy. The cash maybe looted, robbed or stolen either during normal business hours or after normal business hours whether the cash is in the transit between the bank and office or any other route, which has been especially mentioned in the policy, at gunpoint or forcibly. Cash in Safe:The cash may be looted robbed or stolen from the counter, drawers from the locked iron safe at gunpoint by making hostage the staff of the office. To safeguard the clients from such unforeseen circumstances SSICL provides a separate policy of Cash in Safe.Fidelity Guarantee:

Most of the banks obtain Fidelity Guarantee insurance for their employees, who are dealing with cash payments. As per policy coverage Silver Star Insurance Company Limited (SSICL) indemnifies the insured against the Loss of Money, Securities or other Property resulting directly from Employment Infidelity, theft of Money, Securities or the theft of any of the insured's funds from their transfer account as communicated to such Financial Institution.

Contractor All Risks (Civil Engineering):The Contractors All Risks Insurance offers comprehensive coverage for all types of civil construction risks. This type of insurance policy is called blanket policy. This policy covers physical loss or damage to property, as well as third party liability related to work conducted on the contract site.

Erection All Risks:The policy of Erection All Risks offers comprehensive coverage for plant and machinery construction risks. This policy covers physical loss or damage to property, as well as third party liability related to work conducted on the contract site.

Workmen's Compensation:The Employer obtains the Workmen Compensation insurance for his workers engaged in different categories. The Act provides no-fault benefits in the event of death or injury to a workman due to an accident while at work. In case of death legal heirs are paid compensation through Workmen Compensation CommissionerENGENRING INSURANCE

We have full fledged engineering department and issue following covers:-

Contractors All Risks: To cover civil works. The policy offers wide coverage to property whilst under construction. The policy is issued either in favour of principal or contractor and it can also be jointly in favour of both parties. The policy is also extended to cover liability to third parties.

Erection All Risk: The costly plants and machinery are insured on wider terms, whilst they are being erected at site. T he policy can be issued jointly in favour of principal and contractor. The policy is also extended to cover liability to third parties.Contractors Plant & Equipments: The contractors while working on project normally takes with them on site heavy plant & equipment. We offerwide comprehensive cover to issue the same.

Machinery Breakdown: Plant & Machinery with heavy cost are susceptible to damage. We provide wider coverage.

Boiler Pressure Vessel: We have Boiler policy to cover loss or damage to boiler. The policy is also extended to cover surrounding property and liability to third parties.

Computers & Electrical Equipment: We offer wider coverage for computers and other electrical equipments.

LIABILITY INSUANCEAfter discussions with the clients we design liability cover to meet specific requirement of client for:

Premises Liability

Covers liability to third person arising out of accidents at premises. Product Liability Covers liability to third person arising out of the use of product manufactured &/or sold by the insured. Workmen Compensation

Covers liability of employers to employees under Workmen Compensation Act &/or common law.

Professional Indemnity Covers liability arising out of professional wrongful act.

Directors & Officers Liability

Covers liability of directors and officers for their wrongful act. We have full fledged engineering department and issue following covers:-

Contractors All Risks To cover civil works. The policy offers wide coverage to property whilst under construction. The policy is issued either in favour of principal or contractor and it can also be jointly in favour of both parties. The policy is also extended to cover liability to third parties.

Erection All RiskThe costly plants and machinery are insured on wider terms, whilst they are being erected at site. The policy isalso extended to cover testing and maintenance period. Here again, the policy can be issued jointly in favour of principal and contractor. The policy is also extended to cover liability to third parties.

Contractors Plant & Equipments The contractors while working on project normally takes with them on site heavy plant & equipment. We offer wide comprehensive cover to issue the same.Machinery BreakdownPlant & Machinery with heavy cost are susceptible to damage. We provide wider coverage.

Boiler Pressure VesselWe have Boiler policy to cover loss or damage to boiler. The policy is also extended to cover surrounding property and liability to third parties.

Computers & Electrical EquipmentWe offer wider coverage for computers and other electrical equipments. After discussions with the clients we design liability cover to meet specific requirement of client for:

Premises Liability

Covers liability to third person arising out of accidents at premises.

Product Liability Covers liability to third person arising out of the use of product manufactured &/or sold by the insured.

Workmen Compensation

Covers liability of employers to employees under Workmen Compensation Act &/or common law.

Professional Indemnity Covers liability arising out of professional wrongful act.

Directors & Officers Liability

Covers liability of directors and officers for their wrongful act.Procedure of Issuing General Insurance Policy

The procedure of general insurance is also different from the Life Insurance as of issuing policies. Because it provides coverage for the stocks, automobiles, buildings, cash, import & export of goods and agriculture sector etc. Also the General Insurance policy provides coverage for the period, from 10 days to one year only. The process for taking General Insurance Policy (classified as Fire, marine, Motor and Miscellaneous) that is practiced in askari involved the following steps as follows.

Submission of Form

Any individual person or any organization (form industrial sector, banking sector, agriculture sector etc.) who want to take the General Insurance Policy for the coverage of its stock, cash, automobile, plant, building, machinery, ship, construction, production, crops etc. has to submit a proposal form to agents / brokers of the particular branches of the SSICL in the country. The proposal form must contain the complete information of the particular product and especially about the amount the particular product. Like it must have (the types of policy is required, sum insured, types of coverage, period of Insurance agreement, location of the product etc). Submission of Agents Report

Then agent prepares report that contains the facts on the basis of proposal form, the enquiry made by the agent and Cover Notes (known as temporary form which is used for issuing insurance policy that contains information about the client, the sum insured, information of particular item, the amount of the premium, types of coverage and duration of agreement). Then one copy of cover note is sent to the head office of the Company and other one is sent to the clients but in case of bank or any financial institutions, two copies of cover notes are sent to the banks or any other financial institutions. The contract of insurance largely depends upon agents report.Acceptance of the Proposal

Then the Underwriting Department of the askari makes risk analysis of the given proposals and checks the warrantees and clauses. It also verifies the given information. If the Company satisfies with the given information, the Company informs the clients to pay the amount of premium. If the proposal is rejected then a letter of rejection is sent to the clients.Payment of the Premium

The clients have to pay the amount of premium with in a month, but in mostly cases the date can be extend. When the clients pay the amount of premium to any particular branches of the SSICL, the branch deposits the amount of the premium in the bank account of the SSICL and then sends the bank slip with a letter and premium voucher to the head office. The insurance contract is completed on the receipt of premium. Then Company sends the insurance policy to its clients with particular warrantees.

Procedure of General Insurance Claims As general insurance is very vast field. Its not easy for anyone to understand each and every thing about insurance it procedure and especially about the claims procedure in a very short time. Still the some useful information about the procedure of claims of the important insurance policies is described as follows:Fire Claims

In case of loss the clients should report the case to the insurance company immediately. Describe the time, date, cause etc of the fire in detail.

Insurance company will then appoint an adjuster / surveyor to investigate the fire. A detail adjuster's report will be made. Do not discard or remove any destroyed items without the Company's prior approval.

If the loss is minor, insurance company would probably not appoint a loss adjuster. Instead, clients will be asked to submit the relevant quotation for repair or receipts of goods damaged to the insurance company to assessment within 15 days. In that case, clients should also send original photos showing the extent of loss to the insurer.

If there is damage to building:

Clients should obtain a quotation from the builder on the cost of restoring the building to its state immediately before the fire. Clients must make sure that Companys interest is notified.

Company will then pass the quotation to the loss adjusters for assessment.

Company has the sole discretion on how to provide an indemnity.

If there is damage to furniture, stock or other contents:

Clients should provide a full list of articles destroyed or damaged

Clients should not admit liability for damage to third party without Company's approval and clients should submit any court order of claim letter to the Company as soon as possible.

If there are other insurances in force, clients should also inform the Company about the name, sum insured etc. of the co-insurance company.

The clients should submit the following to the Company:

Claim form

A copy of the Fire Department Report (if available)

A full list of articles destroyed or damaged

All accounting records, including all stock records, record of last renovation, rental record etc.

All documents received concerning third party liability losses

Marine Claims

When any customer find or suspect there is damage to his cargo then should follow the following guidelines:

Do not issue a clean receipt to the shipper / transporter / carrier.

For export cargo: Clients should ask the survey agent, which is listed on the insurance policy, to carry out investigation and send the survey report to the insurance company.

For import cargo: When shipment arrives at Pakistan with damage, clients should inform the insurance company at once which will then appoint a qualified surveyor to investigate.

Then clients should submit the following documents:

Certificate / Policy of Insurance (original).

Shipping invoices (original), together with Shipping Specification and/or Weight Notes/ Packing List.

Bill of Lading (original) and/or other contract of carriage involved during the journey.

Survey report exception list or other documentary evidence such as exception certificate to show the extent of loss or damage.

Landing Account and Weight Notes at final destination.

Correspondence exchanged with the shippers / transporters / carriers and other parties regarding their liability for the loss or damage.Motor claims

Motor claim procedures depend on whether clients insurance cover is a Comprehensive Cover or a Third Party Cover or others.Third Party Cover

Clients should complete and submit claim form with:

The copy of driver's driving license

The copy of driver's I.D. Card

Copy of Vehicle Registration Document (both sides).

If driver has over 2 years' driving experience, clients should provide supporting documents.

Clients should not admit any liability without the Company's prior permission.

Clients should submit any court order of claim letters from any third parties to the Company as soon as possible.

If the accident involves third party bodily injury, clients should make sure that they have reported the case to the police and then let the insurance company have the police reference number for making inquiries.

Comprehensive Cover

If the accident involves third party property damage or bodily injury only,clients should follow the same as above.

If the accident involves own damage to (the insured) vehicles of the clients, then clients should:

Complete and submit claim form with:

The copy of driver's driving license.

The copy of driver's I.D. Card.

Copy of Vehicle Registration Document (both sides)

If driver has over 2 years' driving experience, please provide supporting documents.

Submit all relevant documents that clients receive concerning the claim.

Sign a Letter of Authorization to enable the insurance company to obtain the drivers' statement.

Clients should inform their mortgagee about the accident if their car is under mortgage.

Get a repair quotation from the repairer. The repair quotation must be submitted to and approved by the insurance company before any repairing commences

After receiving the repair quotation, the insurance company will appoint a motor surveyor to access the quotation

The Company will instruct the repairer to commence repair works upon receipt of the survey report.

After the repair work is completed, clients have to sign a Discharge Form to the repairer to take delivery of the vehicle

If the losses listed in the survey report are included in the policy coverage, it is the insurance company will pay the survey fee. Otherwise, clients have to pay the survey fee.Part-5Companys Analysis

TREND ANALYSISIncome StatementParticulars200420052006

%%%

Premium revenue46.85122.9117.31

Claims41.4434.288.68

Expenses29.3021.8026.89

Commission126.7623.04(65.46)

Underwriting profit76.2842.155.74

Investment income(7.31)10.9614.69

Other income(13.92)180.72(55.33)

Profit on bank deposit- -32.40

General and administration expenses1.6333.4140.96

Profit Before Tax82.5447.7639.96

Profit After Tax69.1267.2926.81

Interpretation of Horizontal Analysis of INCOME STATEMENT

Increase in premium revenue:

There is an increase in premium revenue at decreasing rate reason being that there is more decrease in sale of marine, aviation ant transport policies.

Increase in claims

Claims expenses are increased at decreasing rate reason is that company claims are in control. Company controlled all types of expenses related to claims.

Increase in expenses

There is an increase I expenses reason being is that there is an increase in management expenses i.e. salaries and other benefits and legal and professional expenses.

Underwriting profit

There is an increase in underwriting profit because of more increase in premium revenue as compared to claims and expenses.

Investment income

There is an increase in investment income reason being that return on investment has increase which caused the increment in investment income.

Increase in other income

There is a rapid decrease in other income reason being that there is decrease in gain on sale of fixed assets which is not tax for company.

Profit on bank deposit

There is huge increase in profit on bank deposit reason being increase in interest rate on bank deposit

Increase in general and administrative expenses

There is an increase in general and administration expenses which is not good for company because administrative expense has increased more than premium revenue.

Profit before tax

There is an increase in profit before tax reason being that general and administration expenses increase rapidly.

Profit after tax

Profit after tax has increase at decreasing rate reason being that company claims, expenses increased more than premium revenue.

TREND ANALYSIS

Key operation figures

Particulars200420052006

%%%

Gross premium33.8215.0421.48

Net premium46.6532.9117.31


Income from investment(7.31)10.9714.68

Profit before tax82.5347.7639.80

Profit after tax69.1267.2926.81

Total asset51.5014.0920.52

Interpretation of key operation figures

Increase in gross premium

There is increase in gross premium at decreasing rate the reason is that there are more claims arise in motor claim department.

Increase in net premium

There is sharp decrease in the net profit of the company, the reason behind it is that the company paid more claim expenses than the premium received.

Increase in underwriting profit

There is an increase in the underwriting profit of the company which is good indication for the company reason of being increase in the underwriting profit is that the company controlled its claim expense, general and administration expenses and financial expenses.

Increase in investment income

There is an increase in investment income at increasing rate reason behind is increase in interest rate on investment and investment itself is also increasing.

Profit before tax

There is an increase in profit before tax reason being that general and administration expenses increase rapidly.

Profit after tax

Profit after tax has increase at decreasing rate reason being that company claims, expenses increased more than premium revenue.

Increase in total assets

There is an increase in total assets at decreasing rate because of decrease in deposits maturing within 12 months, computer and office equipment, premium due but unpaid-unsecured and sundry receivables.

TREND ANALYSIS

Fire and property insuranceParticulars200420052006

%%%

Gross premium20.1151.59(1.47)

Net premium41.7653.4772.51

net claims247.6957.69(2.14)


Interpretations of Trend Analysis of Fire and Property

Gross premium

The gross premium increases in 2005 reason is the increase in fire and property business. The gross premium decreases in 2006 because in 2006 the customers are less interested in taking additional covers like wars and terrorism.

Increase in net premium

There is increase in the net premium due to the increase in administration surcharges and F.I.F and C.E.D rates that increases rapidly during the last 3 years.

Net claims

The claims in fire and property increases in 2005 but then there is a high decrease in the claims in 2006.So thats why the net claims of the company in fire and property decreases.

Underwriting profits

There is increase in the profit due to the decrease in the claims and increase in the net premium.

TREND ANALYSIS

Marine, aviation and transport


%%%


Net premium36.3118.0217.77

net claims(29.95)(21.07)27.74

Underwriting profit60.6412.32(3.80)

Interpretations of Trend Analysis of Marine, Aviation and Transport

Gross premium

There is increase in the gross premium reason is that the customers are now more willing to take extra covers in addition to the original policy. Also the rate of premium increases.

Net premium


Net claims

There is a high increase in the number of claims in 2006 so the net claims also increases during the year 2006


The underwriting profit increases in 2005 due to increase in the net premium and less claims but the profit decreases in 2006 due to high number of claims in the marine, aviation and transport policies. TREND ANALYSISMotor insurance


%%%


Net premium51.2637.008.90

net claims59.1042.144.06

Underwriting profit(25.66)45.1596.70

Interpretations of Trend Analysis of Motor InsuranceGross premium

Gross premium decreases the reason is that the customers are less interested in taking additional covers like wars and terrorism.Decrease in net premium

There is decrease in the net premium due to the decrease in administration surcharges and F.I.F and C.E.D rates.

Net claims

Net claims in motor insurance decreases due to the decrease in the number of motor claims.



TREND ANALYSIS

Health insuranceParticulars200420052006

%%%


Net premium31.3220.0932.46

net claims20.4516.9018.84


Interpretations of Trend Analysis of Health InsuranceGross premium

There is increase in the gross premium reason is that the customers are now more willing to take extra covers in addition to the original policy. Also the rate of premium increasesNet premium


Net claims

Net claims in Health insurance decreases due to the decrease in the number of Health claims.



TREND ANALYSIS

Other and treaty insuranceParticulars200420052006

%%%

Gross premium90.58(24.89)186.73

Net premium92.1530.940.71

net claims(46.08)(31.77)123.45

Underwriting profit375.83101.28(56.51)

Interpretations of Trend Analysis of Treaty InsuranceGross premium

The gross premium decrease rapidly in 2005 because the losses which occur in 2005 are fall within the companys own retention limit means in the proportion which the company wants to retain from its own funds. But in 2006 there is a high increase in the number of claims which fall out of the companys own retention limit so the gross premium increases in that year.

Decrease in net premium

There is decrease in the net premium due to the decrease in administration surcharges and F.I.F and C.E.D rates of the reinsurance company..

Net claims

Net claims increase in 2006 due to the high number of claims in that year that comes out of the companys own retention limit.


The profit decreases in 2006 due to high number of claims in that year that comes out of the companys own retention limit. PROFITABILITY RATIOS ANALYSIS


Return on asset4.196.146.46

Return on equity19.8624.9431.46

Underwriting profit to premium revenue14.9216.0421.30

Pre-tax profit 12.5713.9816.66

After tax profit8.2710.4111.25

Earning per share2.634.404.73

Dividend Payout66.45%121.29%93.24%

Dividend rate17.553.4344.15

Interpretation of Ratio AnalysisReturn on assets

Return on assets increasing due to increase in net profit after tax which is a good sign for company because company expenses are in control and premium revenue is increasing at a good pace

Return on equity

Return on equity has increased reason being s that there is a rapid increase in after tax profit which is a good sign for company.

Underwriting profit to premium revenue

The insurance company has caution to down its premium rate up to R.S 21 and or it has R.S 21 to pay the administration expenses, income tax and financial expenses.

Pre-tax profit

Company pays R.S.5 in the shape of financial expenses out of profit

After tax profit

Increase in financial expenses leads the increase in companys after tax profit and company is going towards profitability.

Earning per share

Earning per share is increased reason being increase in net profit after tax of company which is good sign for investors.

Dividend payout

There is decrease in dividend pay out reason being of decrease is net profit after tax although profit also increased but less as compared to previous year.

Dividend rate

There is decrease in dividend rate reason being there is an increase in paid up capital.PROFITABILITY RATIOS ANALYSIS


Net claim to total revenue63.2063.8559.15

Expenses to total revenue 16.1514.8016.01

Net commission to revenue 5.725.293.53

Investment income to total revenue 6.845.715.58

Other income to total revenue 0.470.990.37

Bank deposit to total revenue-0.961.28

Finance cost to total revenue-0.0410.042

Admin expenses to total revenue9.669.6911.65

Interpretation of profitability ration analysis

Net claim to total revenue

Net claim proportion to total revenue is decreasing; reason is that claims under marine & aviation and fire insurance are decreasing.

Expenses to total revenue

The percentage of expenses to total revenue is slightly fluctuating reason is that printing & stationary and repair & maintenance are decreasing.

Net commission to total revenueThere is decrease in percentage of net commission to total revenue because more policies are issued and fewer claims are arising under different types of policies.

Investment income to total revenue

The proportion of investment income to total revenue is decreasing reason being is company has sold a big quantity of investment and rate of interest on investment is also is decreasing.

Other income to total revenue

The proportion of other income to total revenue is decreasing reason is that there is rapid decrease in old liabilities written back.

Bank deposits to total revenue

The percentage of bank deposits income to total revenue is increasing reason is that there is increase in rate of interest on bank deposits.

Financial cost to total revenue

The proportion of financial cost to total revenue is slightly less increasing reason is that there is an increase in amount of finance borrowed.

Administration expenses to total revenue

There is an increase in percentage of administration expenses to total revenue reason is that there is an increase in salaries & other benefits, printing and stationary, traveling and entertainment, repair and maintenance and depreciation.

SWOT AnalysisLike an every company, askari Insurance Company Limited has also some type of strengths, weaknesses, opportunities and threats from inside & out side the organization. These are as follows:

InternalStrengths

The higher and middles level of the management is competent to handle the matters relating to insurance industry.

Long standing clients.

SSICL is very successful to have support of world known financially and professionally reinsurance and treaty organization of A ratings.

Experienced owners.

Large percentage of workforce is licensed

The main features of claim payments are as:

Maximum satisfaction of the claimant with the minimum efforts, time and cost of the claimant.

Discourage unauthentic and bogus claims.

SSICL is fully using computer based information system for accounts and finance, underwriting and reinsurance department on the basis of networking at head office levels.

The culture and internal environment of SSICL is cooperative, coordinated and integrated and it is free from political environment, coordinative & integrated, employers and employees have good relationship.

Organization gives opportunity to its employees for career path.

Weakness

askari is a group based insurance company.

Although a proper system of risk management did not exist in past, however management has taken some important steps for proper risk management.

Promotion on seniority basis.

Less effort in the field of marketing & Company is focusing specific target markets (banking & financial institutions). No proper human resource department.

External

Opportunities

Agricultural insurance lines.

More opportunities are available in lease institutions.

Integration of branch network in province of NWFP, Balochistan and Sindh.

Hiring new marketers and development staff.

Reengineering insurance policies.

Life insurance policies.

Threats

De-listing from banks and financial institutions.

High risk in insurance business, since major focus of SSICL is on fire business where risks are at high level.

Entrance of group based new general insurance companies in the insurance industry.

New business practices rules and regulations by SECP / Government sectors.

Competitors of the company

Marketing Strategy

Keeping in view of the past financial information, Company has developed its marketing strategy. Features of marketing strategy are as follows.

Clearly defined premium targets, for each individual marketers for each insurance business segmentation classified as:

Geographical

Business classification

Evaluation of premium, at head office level, targets set and to determine possibility of premium may be the Company as a whole.

Keep focusing on fire business other than cotton and paddy.

Encourage and appreciate increase in marine import business other than chemicals and such items.

Expansion of branch network

Highly encouragement for expansion of opening new branches in small cities due to:

Lower level of competition

Better opportunities of high premium rates

Provision of our best services

Low cost / expense ratio

Mass coverage / claim ratio

Targeting SMEs.

Considering motor business on secure position and acquire agricultural tractor business, as promotion of agriculture due to the financing by Punjab Government as well as by the Federal Government.

Hiring new development personal of high reputation and trust.

Selection on perfect merit.

Periodically evaluation of performance and reward on half yearly and annual basis.

Encourage insurance training for development staff either in house or outside, organized by Lahore Insurance Institute Insurance Association of Pakistan.

Products offered

Motor insurance

Fire insurance

Engineering insurance

Travel insurance

Marine insurance

Miscellaneous insurance

Health insurance

Hailey College of Banking and Finance

chapter 235

Documents

agico company

insurance awareness

insurance culture

health insurance

leading company

general insurance products

leading insurance companies

players of insurance