There are three types of pet insurance cover, namely, lifetime cover,
time-limited cover and money-limit cover. Lifetime cover protects the pet and its owners
against any critical/ long-term illness. This includes diseases such as eczema, arthritis,
etc. The policyholder who opts for a lifetime pet insurance policy, will receive a specified
amount each year towards treatment of the pet. Time limited pet insurance policy offers
financial protection to a pet only for a specific period after a pet has contracted an
illness or suffered an injury. Money-limit cover offers financial benefits to pet owners to
meet the medical expenses of their pets. There is no time limit for this policy and it can
be used until the money limit is reached.
Customized pet insurance plans are available for pets such as dogs, cats, birds, etc.
Origin, cross-bred and exotic breeds are covered under the insurance.
- Transit & Show Risk: Accidental Death while in transit by Air, Rail, Road and Water
or on show in India
- Accidental Poisoning: Death by Accidental poisoning
- Breeding & Whelping Risk: Death by whelping and / or If whole litter is stillborn
or dies within 14 days of birth
- Lost or Stolen Risk: Lost or stolen dogs including burglary or housebreaking
- Loss of Value Limited to 50% of Sum Insured: Loss of value resultant upon an
accident which does not result in death but which averts its show career
- Third Party Liability: Liability for personal injuries and property damage to third
party Up to limit specified in the policy
- Worldwide Transit: Covers transit to various parts of the world and back to India
and / or from other countries to India.
Whether you cycle your way through busy city roads, or meandering
roads uphill, there are always potential hazards that could result in theft, loss or damage
to your cycle, and secure yourself from Accidental death, while riding the cycle by taking
Cycle Cover.
- Protection against burglary or theft of your bicycle
- Damage to the cycle due to fire, riots, strikes or any such unforeseen situations.
- Accidental Damage to your cycle
- Permanent disability or death due to accident upto INR 2,00,000
- Cashless claims at hospitals upto cost of the cycle
- Worldwide coverage
losses or damage caused by processes of cleaning, dyeing or bleaching,
restoring, servicing, preventative maintenance, repairing or renovating or deterioration
arising from wear and tear, moth, vermin, insects or mildew or any other gradually operating
cause.
Any breakage, cracking or scratching of crockery, glass, cameras,
binoculars, lenses, sculptures, curious, pictures, musical instruments, sports gear and
similar articles of brittle or fragile nature, unless specifically declared and accepted by
us and explicitly stated in the policy schedule.
Loss or damage caused by mechanical or electrical derangement/breakdown
of any article unless caused by accidental external means or specifically declared and
accepted by us and explicitly stated in the policy schedule.
Influence of alcohol or drugs.
Consequential loss or legal liability of any kind.
FAQS
- I have more than one cycle. Is buying single policy sufficient?
No, you need to buy separate policies for each cycle you own.
- What is the tenure of the policy?
1 year
- Min age of the person to buy this policy?
18 Years
Cybercrimes has been on the rise in the advent seen in Digital world.
An increase in Internet penetration, usage of social media and digital banking transactions
have given rise to lot of cyber related attacks.
- Misuse of financial information
- Data theft, identity theft
- Cyber stalking, cyber bullying
- E-extortion
- Phishing, email spoofing etc.
Traditional liability insurance policies are not fully been able to
mitigate the risks arising out of the new age risks, particularly in areas of Cybercrime. A
well written Cyber policy will ensure that you get maximum protection against potential
cyber threats.
- Legal cost and expenses incurred to pursue or defend any legal action
- expenses incurred to rectify credit records with bank or the authorities
- expenses incurred to in consulting psychologist/counsellor
- cost of professionals engaged in investigating the cause
- IT Consultant costs incurred by you in order to prove the amount and the extent of a
covered loss.
- indemnity for the unauthorized online transaction
- reimbursement of expenses to resolve the breach with the banks
- reimbursement of unpaid leave to take time off work to rectify credit records
- indemnity for the loss of money resulting directly due to phishing and email spoofing
- value of any fund or property surrender as an extortion payment This is a general list
of coverage and may vary from insurer to insurer.
