Overseas Insurance Policy

The Overseas Mediclaim Travel Insurance policy protects the insured party against medical expenses that he/she might have to incur during his/her overseas trip. Any Indian resident traveling abroad can take this policy. Group/Individuals can apply for this Oriental Insurance & ICICI Lombard Policy INDIA.

Benefits:

• The policy is basically provides for medical expenses of the insured during his/her stay abroad.
• The policy also covers personal accident, total loss of checked baggage, delay of checked baggage, loss of passport and personal liability, at no additional premium.
• The policy can be taken for a period of 0 to 180 days, with an option to extend further.

Repatriation Benefits: If the insured is required to be sent back to the home country on account of sickness suffered, the expenses incurred therewith are also paid.

All the expenses are reimbursed in the local currency of the country visited.

 Exclusions:  This insurance policy will not pay any claims arising from

• Any treated or existing diseases prior to one year of commencement of risk, whether undeclared or not.
• Travel against medical advice, travel for treatment, terminal prognosis or awaiting special treatment.
• Cosmetic surgery, pregnancy-related costs, AIDS.
• War or nuclear perils are not include.
• Suicide or attempted suicide is not include.
• Benefits recoverable from any other scheme.
• Examination/ treatment in India are not include.
• Expenses incurred outside country of study or posting. However this does not prejudice emergency evacuation on medical grounds. compare online premium here.

 For FAQ’s on Overseas Insurance Click Here.

We offers cheaper premium rates on Oriental Insurance Overseas Travel Insurance Policy Rates than others. Submit your Business Querry Apply online Premium Rate Comparision on Overseas Insurance for the Oriental Insurance & ICICI Lombard General Insurance here.

House Hold Insurance Policy

The Householders Insurance policy is a package policy offering several individual policies together at an economical rates for the Oriental Insurance Company & ICICI Lombard India.

What does it cover:

It offers a package of following policies:
Fire Insurance
Burglary
All Risks Insurance
Plate Glass Insurance
Break down of Domestic Appliances (Electrical and mechanical failures)
Television including VCR & VCP and music systemsPedal cycle Insurance
Personal baggage insurance
Personal accident
Public liability & Employers Liability.

What is the Benefits

Only one proposal form is to be filled for several individual policies. The cumbersome procedure of filling several forms is eliminated.

HOUSE-HOLDER INSURANCE

1. Identify the items that need to be insured.
2. List them with their values. Ensure that the value is the full value.
3. SI for liability is on reimbursement basis and is limited to the amount chosen.
4. Ensure that there is no misstatement, or misrepresentation since the proposal is the basis of the contract.
5. The liability of the Company does not commence until the proposal has been accepted and full premium paid.

CLAIMS

1. Give immediate notice of claim.
2. Obtain the claim form from the Company (also available on our website) and provide full details of the loss; as sought in the form.
3. Do not dispose off / destroy damaged property, if any, till company permits such disposal.
4. Take necessary steps to minimize loss and keep the Insurance Company apprised.
5. Please ensure that no bribe is given to anyone on account of settlement of claim. Please report any such demand immediately to the Oriental Insurance Company.

Contact us for cheaper/ lower premium rates on House Hold Insurance Policy Finding how to Buy or Purchase compare/ Apply online here for The Oriental Insurance Policy. Ask for Premium Rates Comparision of Oriental Insurance with other Company or Renew Online here.

Auto Insurance

A Commercial Auto Motor Car Vehicle Insurance Policy covers the risks that arise to the owner, vehicle and third party. Two Wheeler Insurance for Personal Bike Scooter Scooty Activa Honda Bajaj Yamaha Maruti TATA  Heavy Vehicles Like Truk Loading Tempo etc are also coverd under this policy. (We are authorised by The Oriental Insurance Company & ICICI Lombard General Insurance Company.)

It protects the auto private motor car vehicle from loss or damage:

* By fire, lightning, self-ignition, explosion, burglary, housebreaking or theft.
* Riot or strike.
* Flood, earthquake, cyclone or inundation.
* Transit by road, air, elevators or lifts.
* Liability for third party’s injury or death, third party property and towards the paid driver too.
* Loss or damage to electrical/ electronic accessories, personal accident cover for the driver and passengers is also available after paying additional premium.

Types of Policies:
There are two types of Policies:

Liability Only Policy:
This covers Third Party Liability for bodily injury and/ or death and Property Damage. Personal Accident Cover for Owner-Driver is also included.

Package Policy:
This covers loss or damage to the vehicle insured in addition to the above.

Term of policy:
No policy is permitted to be issued or renewed for any period longer than twelve months. However, Short Period Cover/ Renewal may be granted for periods less than twelve months.

Claims:
In case of claims the maximum liability will be the sum the vehicle is insured for or the insured’s declared value, which will be the amount payable in case of total loss or constructive total loss (CTL) irrespective of the market value of the vehicle.
Also in case repair costs go over 75 percent of the IDV, it will be taken to be a CTL.

Premium Calculation in case of adverse claims:
Loading on tariff premium rates by 100 percent may be applied for adverse claims experience of the vehicle insured and individual risk perception as per the insurer’s assessment. If the experience continues to be adverse, a further loading of 100 percent on the expiring premium may be applied. No further loading shall apply.Compare premium rates with other company here cheaper/ lower than comparing others in India.

Anti theft device discount:
In case an anti-theft device has been installed in your vehicle expect a discount up to a maximum of Rs 500 on your insurance claulate premium. Avdhoot Investment offers Fastest Claim settlement Services for General Insurance in India within 7 working days.

To Read some  FAQ’s on Auto Motor Vehicle Car Insurance Click here.

Contact our Authorised Agent/ Advisor/ Consultant for renew your policy for Oriental Insurance/ ICICI Lombard Companies Auto Motor Vehicle Third Party Accident Insurance Policy Lower Premium Rate Comparision online. We offers Cheaper Premium Rates Quotes. Apply online here.