Group Mediclaim Policy

Group Mediclaim Policy
Brief Description :
Mediclaim Insurance is a cover which takes care of medical expenses following Hospitalisation/Domiciliary Hospitalisation of the Insured in respect of the following situations: (A) In case of a sudden illness (B) In case of an accident (C) In case of any surgery which is required in respect of any disease which has arisen during the policy period. The major benefit for taking a Group Mediclaim policy is that the insured gets a Group discount, hence the premium per person is lower.
Covered Risks :
This cover is a hospitalisation cover and reimburse the medical expenses incurred in respect of covered disease /surgery while the insured was admitted in the hospital as an in patient.The cover also extends to pre- hospitalsation and post- hospitalisation for periods of 30 days and 60 days respectively
Major Exclusions :
Any pre-existing disease,any expense incurred during first 30 days of cover except injury due to accident,all expenses incurred in respect of any treatment relating to pregnancy and child birth. Treatment for Cataracts,Benign prostatic hypertrophy,Hysterectomy, Menorrhagia or Fibromyoma, Hernia,Fitula of anus,Piles, Sinusitis, Asthma,Bronchitis, All Psychiatric or Psychosomatic disorders are excluded from the scope of the cover
For more detail visit Avdhoot Investment

Private Car Package Policy

Private Car Package Policy
Brief Description :
A Private Car is defined as any transport vehicle /car /omnibus whose unladen weight does not exceed 7,500 kgms and is used only for social,domestic and pleasure purpose and insured's own business. The policy does not cover use for Hire or Reward, Organised racing, Speed testing and carriage of goods (other than samples) in connection with any trade or business or use for any purpose in connection with MOTOR TRADE. On payment of extra premium the policy may be extended for Personal Accident cover as well.
Covered Risks :
Fire,Explosion, Lightning,Burglary and Theft,Riot and Strike, Typhoon,Hurricane,Storm, Tempest, Malicious act,Earthquake,Flood,Terrorist activity,Landslide/Rockslide. It also covers damages by accidental, external means while in transit by rail/road, inland water, lift or air in addition to the legal liability required by law
Major Exclusions :
Consequential loss,Depreciation,Wear & tear, Mechanical/ electrical breakdown, failures or breakages,Damage to tyres unless the motor car is damaged at the same time and any accidental loss or damage suffered while the person driving is under the influence of intoxicating liquor or drugs.
For more detail visit Avdhoot Investment