- Identify the items that need to be insured.
- List them with their values. Ensure that the value is the full value.
- SI for liability is on reimbursement basis and is limited to the amount chosen.
- Ensure that there is no misstatement, or misrepresentation since the proposal is the basis of the contract.
- The liability of the Company does not commence until the proposal has been accepted and full premium paid.
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- Give immediate notice of claim.
- Obtain the claim form from the Company (also available on our website) and provide full details of the loss; as sought in the form.
- Do not dispose off / destroy damaged property, if any, till company permits such disposal.
- Take necessary steps to minimize loss and keep the Insurance Company apprised.
- Please ensure that no bribe is given to anyone on account of settlement of claim. Please report any such demand immediately to the Company.
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- Take a good look at the Proposal form and identify your requirement for insurance.
- Prepare a list of items desired to be insured, with proper valuation.
- Remember that liability cover is on reimbursement basis and limited to the sum insured selected.
- Ensure that there is no misstatement, or misrepresentation; since the proposal is the basis of the contract.
- The liability of the Company does not commence until the proposal has been accepted and full premium paid.
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- Give immediate notice of claim.
- Obtain the claim form from the Company (also available on our website) and provide full details of the loss, as sought in the form.
- Do not dispose off / destroy damaged property, if any, till company permits such disposal.
- Take necessary steps to minimize loss and keep the Insurance Company apprised.
- Please ensure that no bribe is given to anyone on account of settlement of claim. Please report any such demand immediately to the Company.
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- Please go through the Proposal Form completely and carefully and ensure there is no misstatement, or misrepresentation; since the proposal is the basis of the contract.
- Choose the Capital Sum Insured (CSI) carefully. It is restricted to 120 times your monthly income.
- Medical expenses as per terms & condition of the policy, arising out of accident, may be covered under the policy.
- Family members may be covered under single policy as stated on the proposal form.
- Please ensure that Nomination facility is availed.
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- Give immediate notice of claim.
- Claim form must be obtained from the Insurance Company (also available on our website) and duly certified by the treating doctor before submission to the Company Office.
- In case of prolonged treatment arising out of accident, covered under the policy, the company must be kept informed.
- CSI is the limit of liability of the Company in case of a claim.
- Please ensure that no bribe is given to anyone on account of settlement of claim. Please report any such demand immediately to the Company.
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