insurance policy for jewellery, videsh yatra and mediclaim

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!

insurance policy for jewellery, videsh yatra and mediclaim

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