Healthcare |
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Today, more than ever, healthcare providers need a strategic partner with an in-depth understanding of the complexities of the healthcare industry. Our services for the health care industry is dedicated to solving the problems associated with risk for all types of healthcare providers. Insurance Policies Standard Fire and special perils Policy This policy covers the loss or damage arising out of fire and allied perils to the Building, furniture and fixtures, machinery, electronic equipment, stocks and other contents in the premises of the hospital and the office building. This policy can be taken for Hospital building, furniture fixtures & contents, Staff and nursing quarters, Equipments, Plant & Machinery in the operation theatre, laboratories, kitchen, and staff quarters. Burglary and Housebreaking (Business premises) Policy This policy covers loss or damage to property like stock, stock-in-trade, goods in trust, plant and machinery, fixtures, fittings, cash or valuables in strong-rooms or safes by theft following burglary (felonious entry or exit from the premises by violent and forcible means). This policy can be taken for Pharmacy and drugs, Theatre and lab equipments. Electronic equipment Policy This is an all risk policy, which covers electronic equipment like computers, UPS, Audio video equipment, printer, faxes, medical equipment and other electronic/microprocessor equipment used in the hospital/diagnostic lab/office. Plate Glass Insurance This policy covers all kinds of accidental breakages of fixed plate glass like window glasses, show room glasses, etc. Replacement cost of damaged glass or sum insured whichever is lower, is paid. Group Personal Accident Policy This policy covers Accidental death or bodily injury caused solely by violent, external and visible means or loss resulting directly and independently for all other causes from bodily injuries caused by an ACCIDENT. Group Mediclaim Policy This policy covers Group/Association/Institution/Corporate Body of more than 50 persons provided it has a central administration point. The policy covers Hospitalization expenses only for illness/diseases contracted or injury sustained, Room, Boarding expenses as provided by the Hospitalization/Nursing Home, Nursing Expenses, Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees Anesthesia, Blood, Oxygen, Operation Theater Charges, Surgical Appliances, Medicines and Drugs, Diagnostic Materials and x-ray, Dialysis, Chemotherapy, Radiotherapy, Cost of Pacemaker, Artificial Limbs and Cost of Organs and similar expenses. Money Insurance This policy provides cover against loss of money in transit, by the insured or Insured's authorized employee(s) occasioned by robbery, theft or any other fortuitous cause. It also covers loss by burglary of house breaking whilst money is retained at Insured's premises, in safe(s) or strong room. Organizations can take this policy while in transit from one branch to other branch or while in transit. Fidelity Guarantee Insurance This policy reimburses for direct pecuniary loss due to all acts of fraud or dishonesty or forgery or embezzlement committed by any of the Insured's employees in connection with his/her occupation during the uninterrupted continuance of employment. Professional Indemnity Insurance (for doctors and other medical professionals) The policy covers all sums, which the insured professional becomes legally liable to pay as damages to third party in respect of any error and/or omission on his/her part committed whilst rendering professional service. Legal cost and expenses incurred in defense of the case, with the prior consent of the insurance company, are also payable, subject to the overall limit of indemnity selected. Public liability Insurance This policy is suitable for organizations exposed to liability arising out of accidents in the course of their business operations, like Compensation for accidental death, bodily injury or disease to third parties, Damage to or loss of property belonging to third parties arising out of an accident, including legal costs incurred with the prior consent of the insurer, and Legal and civil liabilities of the directors and officers of the company. Motor vehicle Policy All motor vehicles registered under Motor vehicle act and move on the road has to be covered under motor vehicle insurance |
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