Insurance Gallary

• Machinery
• Stock in trade
• Furniture, fixtures & fittings
• Goods held in trust or on commission for which the insured is responsible.

Silent Feature :
Broadly speaking any kind of movable property like stock, stock-in-trade, goods in trust, plant and machinery, fixture, fittings etc. can be covered under Burglary Business Premises Policy so long these are reasonably protected.

Some of the Plans even provides following extra benefits which are sometimes required for university compliant

• Treatment for mental and nervous disorders including alcoholism and drug dependency
• In-patient medical expenses related to pregnancy
• Medical expenses for inter-collegiate sports injuries
• Cancer screening and mammography expenses
• Childcare benefits
• Covers Study Interruption and provision for a Two-way Compassionate Visit cover for parents.

Student Insurance Policy Features

Eligibility
Available for all ages between 1 month – 60 years. Most of the companies provide cover from 16 years to 35 years.

Policy Duration
Covers trips from as short as 1 day to a max of 360 days. Most of the Insurance Companies provide coverage for 365 days but there are plans available up to 730 Days.

Max Trip per Policy
Multiple trips per policy period are covered.

Pre-existing diseases
Pre-existing ailments and maternity are generally excluded. There are few companies which provide coverage in case of life-threatening situations i.e. until the insured's heath is stable.

Additional Coverage
Bail Bond, Study Interruption, Sponsor Protection, 2 Way Compassionate Visit, Dental Treatment, Medical Evacuation, Repatriation, Baggage Loss/Delay, Trip Cancellation and Interruption, etc. are also offered by different plans.

Medical Check-up
No medical check-up is required.

Renewal
Policy Can be renewed if there is no claim in the expiring policy.

Premium
Plan Premium is based upon your destination, Coverage Amount, Age and duration of Trip.

Exclusions
General Physical Checkup, pre-existing conditions, Vision (Eye Test, Eye Glasses, and Contact Lens) is not covered by any of the Plan. Besides these, there could be other exclusions which are mentioned in the policy wordings.

• Water
• Air
• Road or Rail
• Registered Post Parcel
• Courier
• Or any combination of the above.

For Whom?

Buyers, Sellers, Import/Export merchants, Buying Agents, Contractors and Banks-in fact any one engaged in the business of movement of goods.

During the course of transit, the cargo may not always be at your risk. For instance, you can sell it to a buyer. Our Marine Cargo Policies cover your interest in the cargo insured and also extends to cover the interests of any third party to whom you have assigned interest upon transfer of ownership, as determined by the Terms of Sale.

Insurance Cover :

Marine Cargo Policies are based, in a majority of instances, on one or more of the Institute Cargo Clauses. The coverage available under these standard clauses include:

* Actual Total Loss
* Constructive Total Loss
* Particular Average i.e., Partial Loss by an insured peril
* General Average
* Collision Liability
* Expenses such as Survey Fees, Reconditioning Costs, Forwarding Expenses, Sue and
* Labour etc.

* Loss or damage due to Inherent Vice
* Loss or damage due to Delay
* Loss or damage due to Insufficiency of packing
* Loss or damage due to insolvency, financial default of ship owners, etc.
* We have dedicated products that considerably widen the scope of cover offered by the Institute Clauses.

Coverage Includes :

• Fire
• Lightning
• Explosion/Implosion
• Aircraft Damage
• Riot, Strike, Malicious Damage
• Storm, Typhoon, Hurricane, Tornado, Flood and Inundation
• Impact damage
• Subsidence and landslide including Rock slide
• Bursting and overflowing of water tanks, apparatus and Pipes
• Missile testing operations
• Leakage from Automatic Sprinkler Installation
• Bush Fire