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  • CLAIMS ON POLICIES OF INSURANCE ON SHIPS

    A claim may lie upon a marine insurance policy on ship, when by the operation of the insured perils, any of the following occurs; ACTUAL TOTAL LOSS: • WHEN THE CARGO IS DESTROYED AND CEASED TO BE OF ANY VALUE TO THE INSURED • WHEN THE CARGO IS SO EXTENSIVELY DAMAGED THAT IT IS NO [&hellip...
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  • FIDELITY GUARANTEES

    Fidelity Guarantee insurance is an insurance policy designed to indemnify the Insured (the employer) for the loss of money or property sustained as a direct result of acts of fraud, theft or dishonesty by an employee in the course of employment. Companies are exposed to significant financial losses annually, due to crime committed by employees [&hellip...
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  • BANKERS BLANKET AND JEWELLERS BLOCK POLICIES

    The term money as used in this policy is deemed to mean bank notes, bullion , coins, currency, jewelry, precious stones, ornaments pledged with the insured, postage and revenue stamps and stamps papers. the term ‘employee’ is deemed to mean all existing employees whether permanent or temporary, whole time oe part time on contract or [&hellip...
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  • TARIFF-RULES AND RATING

    the general rules and regulations prescribed in section of the tariff are applicable to all sections of the tariff. POLICY a)Only Standard Fire and Special Perils Policy (hereinafter referred to as Policy) with the permitted “Add- on” covers (as appearing under Section VIII) if any, can be issued. b) The wordings of the policy shall [&hellip...
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  • ADD ON COVERS AND SPECIAL POLICIES

    Add on covers are extensions of the fire policy on payment of additional premium and by attachment of endorsements. these extensions relate to additional perils or additional coverages. Forest Fire Policy may be extended to cover the above subject to following endorsement wordings: “ In consideration of the payment of additional premium the insurance under [&hellip...
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  • MEDICLAIM POLICIES

    health insurance or medical expense insurance schemes have been in existence for a number of years prior to nationalization of insurance business. these policies were granted on a group basis, only to large corporate clients purely on an accommodation basis as claim experience was unsatisfactory. there was no scheme for individuals and families. this scheme [&hellip...
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  • REINSURANCE

    The concept of reinsurance is the logical extension of the concept of insurance . Reinsurance serves to underwrite the risk liability of an insurer more or less in the same way as insurance to indemnify the insured with respect to his interest. the basic underlying principle is one of spreading the risk as far and [&hellip...
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  • BURGLARY INSURANCE

    Burglary insurance is a major class of miscellaneous insurance. the policy covers contents against loss or damage by burglary and is available to commercial establishments, factories, god owns, shops etc. EXCLUSIONS A. This Policy does not cover the following unless specially mentioned in the Schedule and expressly insured by the Policy:- 1) The amount of [&hellip...
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  • 10.RURAL INSURANCE

    The Rural sector has been defined as any place which, as per the last census, has a population of not more than 5000,density of population of not more than 400 per square kilometer, and at least 75% of the male working population engaged in agriculture. The Government of India has launched various programmes for the [&hellip...
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  • RURAL INSURANCE

    The Rural sector has been defined as any place which, as per the last census, has a population of not more than 5000,density of population of not more than 400 per square kilometer, and at least 75% of the male working population engaged in agriculture. The Government of India has launched various programmes for the [&hellip...
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