Group Mediclaim Policy

Group Mediclaim Policy
Brief Description :
Mediclaim Insurance is a cover which takes care of medical expenses following Hospitalisation/Domiciliary Hospitalisation of the Insured in respect of the following situations: (A) In case of a sudden illness (B) In case of an accident (C) In case of any surgery which is required in respect of any disease which has arisen during the policy period. The major benefit for taking a Group Mediclaim policy is that the insured gets a Group discount, hence the premium per person is lower.
Covered Risks :
This cover is a hospitalisation cover and reimburse the medical expenses incurred in respect of covered disease /surgery while the insured was admitted in the hospital as an in patient.The cover also extends to pre- hospitalsation and post- hospitalisation for periods of 30 days and 60 days respectively
Major Exclusions :
Any pre-existing disease,any expense incurred during first 30 days of cover except injury due to accident,all expenses incurred in respect of any treatment relating to pregnancy and child birth. Treatment for Cataracts,Benign prostatic hypertrophy,Hysterectomy, Menorrhagia or Fibromyoma, Hernia,Fitula of anus,Piles, Sinusitis, Asthma,Bronchitis, All Psychiatric or Psychosomatic disorders are excluded from the scope of the cover
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Sweet Home Insurance

SWEET HOME INSURANCE
On August 14 2003 Oriental Insurance launched a policy with a view to cater to the requirements of the middle-income group of the society on First Loss Basis. This policy has been named as “SWEET HOME INSURANCE ”.

This policy is a miniature form of the existing Householders’ Package Policy and has three distinct plans and each plans has five sections, with Section II and I on ‘first loss basis’. The insured has been offered the option of not covering section I , which covers building against Fire and Allied perils including Earthquake. The rest of the four sections are compulsory and they cover contents against Fire & Allied perils and burglary, electrical and electronic gadgets against electrical/mechanical breakdown and Personal Accident cover on floater basis amongst insured and his/her spouse.

The star attraction of the policy is that the insured is not to file the details of the contents with the company except for the items for which coverage is sought under electrical/mechanical breakdown section.



This policy is available to any person, including property owned by foreign nationals, provided the property proposed for insurance is situated within

The Indian territory. As regards the settlement of the claim , if any, the same shall be in Indian currency only.



HIGHLIGHTS OF THE POLICY

SECTION – I - BUILDING

This section covers building against Fire & Allied perils including earthquake. It is not necessary that the proposer need be the owner to seek insurance coverage for the said building. Persons under lease/tenancy agreement can also seek coverage of the building under this section. Insured has the option to choose amongst Rs.4, 6 & 8 lakhs under Plan A , B, & C respectively.



SECTION – II – CONTENTS (EXCLUDING JEWELLERY) AGAINST FIRE & ALLIED PERILS INCLUDING EARTHQUAKE ON FIRST LOSS BASIS.

This section covers contents , which are kept and installed in the premises, as mentioned in the schedule , against fire and allied perils. The insured need not furnish a detailed list of the items for which insurance cover is sought. The maximum value of the individual item shall not exceed 10% of the sum selected under plan A, B & C. The maximum liability of the company in this section is Rs.1,2, and 3 lakhs under Plan A, B & C respectively.

SECTION – III – CONTENTS(EXCLUDING JEWELLERY) AGSINST BURGLARY & HOUSEBREAKING

The sum insured and the limits of liability of the company this are same as section II. Under this section also the insured need not furnish the details of the items for which insurance is sought.



SECTION – IV ELECTRICAL/MECHANICAL BREAKDOWN OF GADGETS.

Unlike section II & III the insured furnishes the details the electrical/electronic gadgets for which coverage is sought under this section. The details of such gadgets are called for in the single page proposal form itself. The limits of liability of the company under this sections is Rs.30000, Rs.50000 and Rs.70000 respectively. The value of the gadgets proposed for insurance under t his sections is part of the sum insured under section II & II.

SECTION - V PERSONAL ACCIDENT COVER FOR INSURED AND SPOUSE

The policy offers coverage against accidental death, loss of limb(s) and permanent total disablement to the insured and his/her spouse on floater basis. Age limit under the section is 18-70 years . If either of them is above 70 years of age, the other would be insured under this section. In case both of them are more than 70 years of age , then this section would be deleted from the scope of the policy and the premium of this section would be reduced from the package.

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Group Mediclaim Insurance Policy

Group Mediclaim Insurance Policy
Brief Description :
Mediclaim Insurance is a cover which takes care of medical expenses following Hospitalisation/Domiciliary Hospitalisation of the Insured in respect of the following situations: (A) In case of a sudden illness (B) In case of an accident (C) In case of any surgery which is required in respect of any disease which has arisen during the policy period. The major benefit for taking a Group Mediclaim policy is that the insured gets a Group discount, hence the premium per person is lower.
Covered Risks :This cover is a hospitalisation cover and reimburse the medical expenses incurred in respect of covered disease /surgery while the insured was admitted in the hospital as an in patient.The cover also extends to pre- hospitalsation and post- hospitalisation for periods of 30 days and 60 days respectively
Major Exclusions :
Any pre-existing disease,any expense incurred during first 30 days of cover except injury due to accident,all expenses incurred in respect of any treatment relating to pregnancy and child birth. Treatment for Cataracts,Benign prostatic hypertrophy,Hysterectomy, Menorrhagia or Fibromyoma, Hernia,Fitula of anus,Piles, Sinusitis, Asthma,Bronchitis, All Psychiatric or Psychosomatic disorders are excluded from the scope of the cover. Visit this website for more detail Avdhoot Investment

General Insurance

Avdhoot Investment is Authorised Agent for selling General Insurance Product for The Oriental Insurance Company.
*List of Our Other General Insurance Products*

Individuals/Family General Insurance.Baggage Insurance Policy
Burglary and House Breaking Insurance Policy
Comprehensive Health Insurance Scheme
Cycle Rickshaw Policy
Gun Insurance
Insurance Policy for Mobile/Cellular Phone
Insurance Policy for Pager
Suhana Safar Domestic Policy
Swasthya Bima Policy
Sweet Home Insurance Policy
TV VCR VCP Insurance Policy
Health-- Mediclaim/Overseas Mediclaim/Personal Accident
Gramin Accident Insurance
Group Mediclaim Policy
Individual Mediclaim Policy
Jan Arogya Bima
Janata Personal Accident Policy
Nagrik Suraksha Policy
Overseas Mediclaim Business and Holiday
Overseas Mediclaim Employment and Study
Personal Accident - Group
Personal Accident - Individual
Universal Health Insurance Scheme
Professionals
Professional Indemnity Errors & Omissions Insurance For Chartered Accountants/Financial Accountants/Management Consultants/ Lawyers/ Advocates/ Solicitors/Counsels
Professional Indemnity Errors & Omissions Insurance Policy for Consulting Engineers/Architects & Interior Decorators
Professional Indemnity Policy For Doctors And Medical Practitioners
Professional Negligence Errors and Omissions Insurance Policy For Medical Establishments
Sports Insurance Policy

Business/Office/Traders
Electronic Equipment Insurance Policy
Fidelity Guarantee Policy - Floating Group
Fidelity Guarantee Policy - Individual Named
Money Insurance Policy
Multi Peril Policy For LP Gas Dealers
Neon Sign Policy
Office Umbrella Policy
Plate Glass Insurance Policy

Engineering/Industry
All Risks Insurance
Contractor's All Risk Insurance Policy
Contractor's Plant & Machinery Insurance
Employers Liability Insurance
Fire Policy 'C'
Industrial All Risk Insurance Policy
Machinery Insurance Policy
Machinery Loss Of Profit Insurance Policy (Out-Put Basis)
Standard Fire and Special Perils Policy (Material Damage)
Motor Vehicle Auto-- Private/Commercial
Commercial Vehicle - Goods Carrying 'B' Policy
Motor Cycle Package Policy
Motor Cycle Policy - Act Liability
Private Auto Car Package Policy

Agriculture/Sericulture/Poultry
Animal Driven Cart / Tanga Insurance
Apple Insurance (Input) Policy
Aquaculture (Shrimp/Prawn) Insurance Policy
Beetlevine Insurance (Input Policy)
Coconut Palm Insurance Policy
Failed Well Insurance
Honey Bee Insurance Scheme
Hut Insurance
Inland Fresh Water Fish (Embankments) Insurance
Insurance of Biogas Plant (Gobargas)
Khalihan Insurance Package Policy
Kissan Package Insurance
Package Insurance for Tribals
Plantation/HortiCulture (Input) Policy
Policy for Insurance of Fish in ponds (Fresh Water)
Policy for Kisan Agricultural Pumpset Insurance Scheme
Poultry Insurance
Rose Plantation Insurance
Sericulture (Silkworm) Insurance
Tea Plantation Insurance
Animals/Birds Insurance
Calf/Heifers Rearing Insurance Scheme
Camel Insurance
Cattle Insurance
Dog Insurance
Duck Insurance Scheme
Elephant Insurance
Foetus (Unborn Calf) Insurance Scheme
Horse/Yak/Mule/Pony/Donkey Insurance
Pig Insurance
Rabbit Insurance
Sheep & Goat Insurance Policy
Aviation Insurance
Aircraft Hull and Spares All Risks Aviation Liability Insurance (Airlines)
Aircraft Hull/Liability Insurance Policy
Aircraft Spares Insurance Policy
Aviation Fuelling/Refuelling Liability Insurance Policy
Aviation Group Loss of Licence Insurance
Aviation Personnel Accident (Crew Members)
Hull War and Allied Perils Insurance (Airlines) Policy
Loss of License Insurance
Marine Insurance
Advance Loss Of Profit (Following Marine)
Hull Deductible Insurance Policy
Hull War and Allied Peril Policy
Marine Hull Policy
Marine Insurance - REGD. Post
Marine Insurance - Sailing Vessels
Marine Insurance Policy (Air)
Marine Insurance Policy (Ocean Voyage)
Marine Insurance Policy Inland Transit(Rail/Road)

For more story or free quotes on above Products Click here or visit our Website www.avdhootinvestment.com or Mail us on sameer.lic@gmail.com or call on +91-9825472919. Our GIC/ General Insurance Agent will contact you within 24 hours.