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Get the Best Health Insurance Plan Online in India

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Most Popular Policies of Shriram General Insurance

  • Raheja QBE Health Insurance
    The policy is chiefly designed for people detected with cancer and it offers financial protection to policyholders.
    Key features of Health Insurance plan
    • No exit age applicable for policies without any break
    • Benefits available even after policy expiry
    • No medical examination required up to 50 years
    • No policy renewal after admission of one claim
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  • Raheja QBE Accident Personal Plan
    The plan offers benefits if insured people suffer from accidental injuries.
    Key features of Accident Personal plan
    • Hospital confinement allowance available on additional premium
    • Coverage available for extended medical expenses
    • Coverage available for loss of employment of policyholders
    • Education fund available
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  • Domestic property insurance plan
    This domestic property insurance plan provides coverage against both domestic fire and burglary.
    Key features of domestic property insurance plan
    • coverage for bulk items on the basis of ‘first loss’
    • Loss/damage by burglary is covered
    • Aircraft damages are covered
    • 3% claim amount to cover fees of engineers, surveyors and architects
  • Raheja Office Package Insurance Policy
    This corporate package policy offers complete protection against assets in the office.
    Key features of Office Package Insurance Policy
    • Coverage against terrorism on additional premium
    • Loss of rent is covered
    • Extended theft coverage
    • Alternative accommodation rent is available

Raheja Marine

Chances of damage and accident or taking liability are not lesser in shipping industry than in roads. So having Marine insurance policies is a good option for those who are associated with business through shipping. Raheja Marine insurance providers offer a wide range of Marine insurance policies to help those people.

Under Raheja marine insurance, the two major variations are Marine cargo and Marine Specialty insurance policies. These have also classifications which are as following.

Marine cargo –

  • Marine Cargo Specific Transit
  • Marine Open Policy Corporate
  • Marine Stock Turnover

Marine Specialty –

  • Transit Operator’s Liability
  • Ports and Terminals Operator’s Liability

You may opt for any of these insurance policies as per your needs.

At first, Marine Cargo Insurance is being discussed below.

Marine Cargo Insurance policy

This policy covers machinery goods, finished goods and raw materials during transition under any contract. Damage or loss of all insured goods is covered under this policy at the time of transition by Sea, Post or Parcels and by Road, Rail or Air.

Different clauses of coverage are mentioned below in the table.

Risk factors

All Risk Cover

Wider Cover

Basic Cover

Grounding, Stranding , Sinking or Capsizing

Available

Available

Available

Derailment or Overturning of Land Conveyance

Available

Available

Available

Contact of Ship, Craft or Conveyance with anything except Ship or Craft

Available

Available

Available

Crash of Ship or Craft with another Ship or Craft

Available

Available

Available

Loss overboard at the time of Loading/Discharge

Available

Available

Not Available

Mischievous Damage

Available

Not Available

Not Available

Theft

Available

Not Available

Not Available

War Risks

Not Available

Not Available

Not Available

Exclusions from coverage

  • Willful wrongdoing
  • Ordinary leakage, wear and tear
  • Packing without accuracy
  • Inherent depravity
  • Any kind of delay
  • Strike, riot, war or civil disorder

Coverage of Transport Operator’s Liability under Marine Specialty Insurance

This policy can indemnify insured who is liable to the followings.

  • A customer or third party for loss or damage in cargo under the care of Insured
  • A third party due to death, any physical injury or damage or loss of property
  • A customer or third party for any error caused by professional negligence
  • An Authority for providing fines and duty

This policy also provides indemnity in case of arising any claim due to additional expenditure occurred as a result of misdirection or desertion of cargo and decontamination of it.

Coverage of Ports and Terminals Operator’s Liability under Marine Specialty Insurance

This Policy is responsible to indemnify the Insured persons regarding their legal and contractual liabilities to third parties which the Insured can do for their Operations as Port Authorities or Terminal Operators for the followings.

  • Loss or damage to the third party or any third party property
  • Physical injury of any third party directly caused by the operation done by the insured within the area of Port or Terminal
  • Any liability of the insured caused by operation performed by contractor appointed by the insured
  • All legal costs and expenditures which are subject to terms and conditions of policy