Health Claims covers Hospitalization expenses including 30 days Pre-hospitalization & 60 days Post-hospitalization expenses. Accident Claims covers Claims due to Accidental Death, Disability & weekly benefits arising out of Accident.
Motor Claim indemnifies Owner of the Vehicle against Own Damage Claims and Third party Claims caused Commercial Vehicle, Private Car, Two wheelers & Misc Vehicles. Own damage claims are settled by Insurer whereas Third Party Claims are decided by MACT.
Fire Insurance Claim indemnifies any loss to the property due to Fire & Allied perils like Lighting, Aircraft Damage, Explosion/Implosion & RSMD. STFI, Earthquake & Terrorism are Add-On Covers, which can be covered by paying extra premium on your policy
Travel Insurance covers Medical Expenses incurred Overseas plus expenses on account of other add-ons like personal accident, loss of checked baggage, trip cancellation etc. Policy can be issued for Single Trip,
Multi Trip & Corporate Travel as well.
Marine Cargo Insurance provides for Claims due to damage of Cargo in Transit. Self-accompanied baggage is not covered under Marine Cargo. Marine Hull deals with Claims on account of damage to the vessel, loss of freight & expenses on account of Salvage operations.
Engineering Claim pertains to Claims reported under various policies like Erection All Risk (EAR) policy, Contractor All Risk (CAR) policy, All Risk Policy (Laptops), Electronic Equipment Insurance (Desktops) & Machinery Breakdown(MBD) Insurance policy for Plant & Machinery.
Package Policies are bouquet of various policies issued as a single polic. Claims pertaining to losses reported under package policies like Industrial All Risks (IAR), Office Package Policy OPP), Business Guard Policy, Householders Insurance Policy & Shopkeeper Package policy.
Liability Insurance is broadly divided into two groups – Casualty & Financial Lines. Casualty Claim covers Third Party property damage & bodily injury claims arising due to use of Insured’s product & premises. Financial Lines Claims may be due to D&O Liability, E&O.
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Why Bima Claim?
In a De-Tariffed regime, premiums have gone down drastically because of which Insurers are struggling with their bottom lines.
In non-life claims, Surveyor must be appointed by insurer within 72 hours of claim intimation, Survey report must be submitted within 30 days from date of appointment. Offer of settlement to be given by the Insurer within 30 days of receipt of survey report.
Stitch in time saves nine. We support our Clients with correct interpretation of policy terms and conditions and also assist in submission of correct claim documents. These small steps result in faster submission of survey report leading to early settlement of claim
Approximately around 15% policies in general insurance result in claim, we strive to ensure timely & correct settlement of reported Claims.
We are a team of experienced & qualified Insurance Professionals providing web based Insurance Claim services on Online Chat and Twitter handle.
I still remember one of the Claims Presentation I had attended way back in 2005. The first slide was “Pay the Claim, if you Can”. I am also a firm believer in this approach. As an Insurance Professional with more than 25 years of experience, my approach to the Claims...
Indian Insurance Industry is 15th Largest in the World. Gross premium booked in Non Life Segment is INR 96,400 crores during 2015-16. Non-Life Insurance Sector registered impressive CAGR of 17.6% from FY10 to FY15. (Ref: EY Report on 2025 Vision) Low penetration rate...
We draw your attention to the Duty of Utmost Good Faith. This Duty applies to you whenever you arrange for an insurance cover. The Duty involves you disclosing to the Insurer(s) all facts that are known to you, which are material to the risk for which you are asking...