Manoj Gehi View On General Insurance &amp Personal Finance.

OFFICE PACKAGE INSURANCE. THE TOTAL PACKAGE SOLUTION’S FOR YOUR OFFICE. In Order to safeguard your business interest from the place you work in it is advisable to have an Office Package Insurance. Coverage at a glance. ¨        Standard Fire & Allied Perils :- One can insure society buildings / property against damage due to Fire , Lighting, Explosion/ Implosion, Aircraft damage, Riot, Strike Malicious damage, Impact damage, Bursting of Overhead water tanks & Missile testing operations. ¨       Add On Covers :- Earthquake, Terrorism, Storm, Flood, and Tempest, Inundation can be covered by paying additional premium. ¨       Some Common Covers Available Under This Package :- 1.      Burglary : - Covers all contents covered under standard fire and allied perils section against buglary / housebreaking / theft following violent & forcible entry or exit from the premises. 2.     Money In Safe :- Covers loss of money (cash, bank notes, currency notes /

BUILDING'S INSURANCE FOR  SOCIETIES . We all live in a society comprising of various residential units / flats. Being a co-operative housing society there are various risk involved as such getting protected should be of foremost importance. Therefore the law has made it mandatory under BYE LAWS OF THE CO-OPERATIVE HOUSING SOCITEY,  MAHARASHTRA   STATE  U/s. XVII / 161 STATES “ THE SOCIETY SHALL INSURE IT’S BUILDING/BUILDING’S NECESSARILY AGAINST RISK OF FIRE & EARTHQUAKE”. Coverage at a glance. ¨        Standard Fire & Allied Perils  :-  One can insure society buildings / property against damage due to Fire , Lighting, Explosion/ Implosion, Aircraft damage, Riot, Strike Malicious damage, Impact damage, Bursting of Overhead water tanks & Missile testing operations. ¨        Add On Covers  :- Earthquake, Terrorism, Storm, Flood, Tempest & Inundation can be covered by paying additional premium. Exclusions  : - Loss Destruction or Damage caused by :- ¨        War or

OVERSEAS TRAVEL POLICY . Whilst travelling abroad, looking to the exorbitant cost of treatments abroad Indian Insurance Companies are securing you through Overseas Travel Policy. We need to be insured for against any Accidental, Medical calamity which may arise. Type Of Plans Including U.S.A & CANADA ,   EXCLUDING U.S.A & CANADA. Business & Holiday.  Students.  Corporate Frequent Traveller’s. /Multi Trip. Coverage : - Coverage is in U. S $, Ranges from $ 50,000 to $ 5,00,000. Validity : - Maximum tenure you can be insured for is 180 days. Scope Of Cover Some Common Sections. ¨       Medical Expenses :- It mainly covers Medical expenses incurred abroad by insured person’s as a result of bodily injuries caused or sickness or diseases. ¨       Emergency Medical Evacuation. ¨       Repatriation of Remains. ¨       Loss of Checked In Baggage. ¨       Baggage Delay. ¨       Loss of Passport. ¨       Personal Liability. ¨       Trip De

Most of us have an existing Mediclaim / Health cover ... but due to inflationary trends we feel to increase the same. This could be done by either enhancing the existing mediclaim cover which would lead to increase in premium. The Other EASY ON YOUR POCKET ALTERNATIVE would be ... TOP UP YOUR EXISTING MEDICLAIM / HEALTH COVER. You may ask how ?????????????????? Now a Days many health insurance co's are offering you a Top Up Plan or better known as The High Deductible Plan, which is a cheaper alternative to your regular health plan / mediclaim. In this plan the Health Insurance Company Cover's your Hospitalization Expenses over and above your existing mediclaim / health cover. For Example :- You have a Mediclaim Policy of Sum Insured Rs. 3,00,000/- now you wish to enhance your coverage in regards to the same. So it is advisable to subscribe for A High Deductible Plan, where in Hospitalization expenses Over and Above Rs. 3,00,000 will be paid. That means the policy wi