S 9 Insuranceservices

S 9 INSURANCE
SERVICES
Information Designed
BY
K.ASHWIN KUMAR
National Insurance Company
IRDA License No: 419 5675083
http://winsure.yolasite.com ; c
ell:9849194366
Mission
To be the most preferred choice of
customers for General Insurance by
building relationships and grow profitably
Values
Leveraging technology to integrate people
and processes
To excel in service and performance
To uphold the highest ethical standards in
conducting our business
http://winsure.yolasite.com
National Insurance Company Ltd (NIC) is one of the leading

public sector insurance companies of India, carrying out non life
insurance business. Headquartered in Kolkata, NIC's network of
about 1000 offices, manned by more than 16,000 skilled
personnel, is spread over the length and breadth of the country
covering remote rural areas, townships and metropolitan cities.
NIC's foreign operations are carried out from its branch offices
in Nepal.
Befittingly, the product ranges, of more than 200 policies offered
by NIC cater to the diverse insurance requirements of its 14
million policyholders. Innovative and customized policies
ensure that even specialized insurance requirements are fully
taken care of.
The paid-up share capital of National is Rs.100 crores. Starting
off with a premium base of 500 million rupees (50 crores
rupees) in 1974, NIC's gross direct premium income has
steadily grown to 4021.97 million rupees (4021.97 crores
rupees ) in the financial year 2007-2008.
An Overview of
Policies
1.Motor Policy - Two Wheelers/4
12.VARISTHA Mediclaim for Senior

Citizens
wheelers
2 Householders Policy
13.Dog Insurance
14.Janata Personal Accident Insurance
3.Critical Illness Policy
15.Standard Fire and Special Perils

Policy
16.Product and Public Liability

Insurances
17.Burglary (Business Premises)

Policy
18.Office Package Policy

19.Money Insurance
20 Jewellers Block Policy
21.Extended Warranty Policy
9.Rural Policies for Agri, Cattle,Dog

etc
22.Directors and Officers Liability

Policy
10.Professional Indemnity for

Doctors,Professionals
23.Fidelity Guarantee Policy
24.Marine Cargo Insurance

25.UCO/BOB/BOI employees /family
policy
4.Personal Accident Policy

5.Mediclaim for
Organisations,Individuals,Overseas
Trip and Students
6.Policy for your House/flats
7. Shopkeepers Policy
8.Contractors,Engineers,Manufact
urers, Workmen Compensation
11.PARIVAR Mediclaim for Family
Categorization of
Policies
PERSONAL LINE
RURAL
INDUSTRIAL
COMMERCIAL
Categorization of Policies
PERSONAL LINE Insurance is meant to cover risks of
person and property of individuals or group of individuals
or liability developing upon them. Insurance of persons
would includePersonal Accident,Mediclaim,Critical
Illness,Amartya Siksha Yojana, among others.
Insurance of property would
includeHouseholders',NiwasYojana,Motoretc.
Insurance of liability would include liability devolving on a
person arising out of his personal actions / inactions or
out of the practice of his/her profession, such as, Personal
Liability, Professional Indemnity for a Doctor / Lawyer etc.
RURAL: To provide financial protection against loss of
their small income generating assets due to the
occurrence of fortuitous events, our company has devised
a number of insurance policies specially designed for the
rural people and weaker section of urban society.
Categorization of Policies
INDUSTRIAL Insurance is another branch of non-life insurance
which covers various risks faced by the industry and serves to
sustain the growth of the industrial activity. These insurances can
be sub-divided into broadly two heads as Project Insurance and
Operational Insurance. The two basic forms of Project Insurance
areErection All Risk InsuranceandContractor's All Risk
Insurance. Commonly chosen Operational Insurance policies
areFirepolicy,MachineryInsurancepolicy,Electronic
Equipment Insurancepolicy andConsequential Loss
(Fire)policy.
COMMERCIAL : The mainstay of our economy is commercial
activity of various kinds, covering trades, transport, banking etc.
These organisations are exposed to risks, which can be categorised
as loss of or damage to property / assets and liability arising out of
an action /inaction in the course of the commercial activity.
National Insurance offers different options , which enable a
commercial organization to protect itself against losses arising
from various perils. These options can be classified as package
policies, specific policies to protect against property loss and
specific policies to cover liability arising due to errors and
omissions in the course
of transaction of commercial activity.
PERSONAL LINE
PERSONAL LINE
1.Motor Policy - Two Wheelers
[click on policy name for complete information in ms word ]
Policy indemnifies bona fide owner of

Two wheeler, used for personal
purposes against the loss due to
damage / theft / burglary of vehicle
or any part there of, electrical
accessories and also includes cover
against liability towards third party
personal injury and property damage.
PERSONAL LINE
2. Householders Policy
Policy covers risks of different types

and protects the house as well as
personal effects and household
goods.
PERSONAL LINE
3.Personal Accident Policy
Policy compensates individuals

against accidental injuries resulting
in disability or death.
PERSONAL LINE
4.Critical Illness Policy
Policy provides exclusive benefit to

individuals in the age group 20-65
years who are unexpectedly diagnosed
for treatment of critical ailments like
Coronary Artery Surgery, Cancer,
Renal Failure, Major Organ Transplant,
Stroke or Multiple Sclerosis.
PERSONAL LINE
5.NRI Accident Policy
Policy covers Non-Resident Indians

and family against loss arising from
accidental injuries including death.
PERSONAL LINE
6.Amartya Siksha Yojana Policy
Policy covers cost of education of a

student/students in the age group of
4 to 25 years in the event of death of
Parent/Guardian thus providing for
continuation of studies.
PERSONAL LINE
7.Rajrajeshwari Mahila Kalyan Yojana
Policy
Specially designed to protect the welfare of
women mainly in rural and semi-urban areas.
8.Bhagyashree Child Welfare Policy

Policy provides protection to the girl child in
the event of death of either or both the
parents.
PERSONAL LINE
9.Traffic Accident Policy [click on policy name for complete information in
ms word ]
Policy provides hospitalization expenses up to Rs. 1
lac and Personal Accident Benefits up to Rs. 1 lac in
case of road/rail accidents resulting in
injuries/death.
10.Niwas Yojana Policy
Policy insures repayment of housing loan in case of
accidental death/Permanent Total Disablement of
loanee and also covers residential building and the
owners permanent fixture and fittings against Fire
and allied perils including Flood, Storm, Earthquake
etc.
11.Baggage Policy
Policy indemnifies individual or a party against
loss/damage to personal effects such as clothing etc
carried as baggage during travel.
PERSONAL LINE
12.Mediclaim Policy [click on policy name for complete information in ms
word ]
Provides protection to individuals, families, employers,
employees and welfare bodies against heavy financial
burden for treatment in hospitals for illness, disease or
accident, whether involving surgery or not.
13.Motor Policy - Private Car
Policy indemnifies bona fide owner of Motor Car, used
for personal purposes against the loss due to damage /
theft / burglary of vehicle or any part there of, electrical
accessories and also includes cover against liability
towards third party personal injury and property
damage.
14.Professional Indemnity for Doctors
Policy covers liability on account of errors and omission
of doctors while rendering professional services.
PERSONAL LINE
15.Star National Swasthya Bima Policy
information in ms word ]
[click on policy name for complete
Star National Swasthya Bima policy is a unique Health Policy

designed especially for the Account holders of Bank of India. The
entire family consisting of the account holder, spouse and two
dependent children upto the age of 21 years can be covered
under this policy. This policy covers Hospitalization expenses for
account holder and family
16.PARIVAR Mediclaim for Family

This is a Family Floater Health Insurance Policy wherein entire
family will be covered under single Sum Insured. The Policy
covers reimbursement of Hospitalization expenses for
illness/diseases contracted or injury sustained by the Insured
Person. In the event of any claim becoming admissible under the
policy, the Company either pay directly to the insured if TPA
service is not availed by the insured or pay to the
Hospital/Nursing Home through TPA the amount of such
expenses subject to limits as would fall under different heads
mentioned below, as are reasonably and necessarily incurred in
respect thereof anywhere in India by or on behalf of such Insured
Person but not exceeding Sum Insured (all claims in aggregate)
for that family as stated
in the Schedule in any one period of
insurance.
PERSONAL LINE
17.VIDYARTHI - [click on policy name for complete information in ms word ]
Mediclaim for Students
VIDYARTHI-Mediclaim for Students is a unique
policy designed to provide Health and Personal
accident cover to the students. It also provides for
continuation of insured students education in case
of death or permanent total disablement of the
guardian due to accident.
18.UCO Medi + Care Bima Policy Uco Medi+
Care Bima is a unique Health cum Accident Policy
designed especially for the a/c holders of Uco Bank.
The entire family consisting of the a/c holder,
spouse and 2 dependent children and two
dependant parents can be covered under this policy.
PERSONAL LINE
19.VARISTHA Mediclaim for Senior Citizens
This policy has been designed to cater to the

needs of our Senior Citizens. It covers
Hospitalization and Domiciliary Hospitalization
Expenses under Section I as well as expenses for
treatment of Critical Illnesses,
If opted for, under Section II. Diseases covered
under Critical Illnesses are as under: Coronary
Artery Surgery Cancer Renal Failure i.e.
Failure for both kidneys Stroke Multiple
Sclerosis Major Organ Transplants like kidney,
Lung, Pancreas or Bone marrow Paralysis and
blindness at extra premium
PERSONAL LINE
21.Overseas Mediclaim [click on policy name for complete
information in ms word ] Overseas Mediclaim policy covers
Medical Expenses whilst traveling abroad for
business/holiday. The policy will be valid only
if the insured journey commences within 14
days of the first day of insurance as indicated
in the policy schedule.
22.Baroda Health Policy
Baroda Health policy is a unique Health cum
Accident Policy designed especially for the a/c
holders of Bank of Baroda. The entire family
consisting of the a/c holder, spouse and 2
dependent children can be covered under this
policy.
RURAL
RURAL
1.Cattle / Livestock Insurance
Policy indemnifies against loss sustained due to loss of life of

cattle / livestock.
2.Sheep and Goat Insurance
Policy indemnifies against loss sustained due to loss of life of
Sheep or Goat.
3.Elephant Insurance
Policy provides indemnity to insured for the loss sustained by him
due to death of his elephant used for commercial/religious
purpose. Policy does not provide cover to circus elephants.
4.Dog Insurance
Policy covers death of pet dogs of Cross-bred and exotic breeds
between the age group of 2 months to 8 years.
5.Brackish Water Prawn Insurance
Policy covers Total loss of prawns, Nursed seeds in hatcheries
owned by state Government,
FFDAS, State Fisheries Corporation,
MPEDA or such other organisations.
RURAL
6.Silkworm ( Sericulture) Insurance click on policy name for complete
information in ms word ]
Policy covers total or partial loss due to death of silk worms of
different variety due to disease or accident.
[
7.Janata Personal Accident Insurance

Policy Covers individuals in the age group of 10-70 years
against death or total / partial disablement.
8.Horticulture/Plantation Insurance
Policy covers Loss or Damage to the Insured tree / plant due to
fire / lightning / storm / hailstorm / cyclone / tempest.
9.Kisan Agriculture Pumpset Insurance
Policy covers centrifugal pump sets (Electrical and Diesel oil)
submersible pump sets up to 25 HP used for agricultural
purposes against Electrical/Mechanical Breakdown, Fire
/Lighting, Theft and Burglary, Riot/Strike/Malicious damage
etc.
INDUSTRIAL
INDUSTRIAL
1. Erection All Risks Insurance ( EAR )

Erection All Risk Insurance provides cover for
projects involving equipment and other similar
erections.
2.Contractors All Risks Insurance (CAR)
Contractors All Risks Insurance caters to the
need of projects which predominantly involves
civil work like construction of multi storied
buildings, flyovers, bridges etc.
3.Machinery Insurance ( MI )
Machinery Insurance provides insurance
protection to both rotating as well as static
equipment while at work or at rest against
mechanical and electrical breakdown and also
human error and
negligence.
INDUSTRIAL
4.Electronic Equipment Insurance ( EEI)

Electronic Equipment Insurance caters to the
peculiar needs of the electronic equipments which
are not only extremely sensitive to the slightest
changes in ambience conditions but also are
characterized by having a large value concentration
in a relatively compact set ups.
5.Consequential Loss (Fire) Policy
Consequential Loss (Fire) policy provides the most
commonly sought after protection for business
interruption triggered by fire and allied perils.
6.Standard Fire and Special Perils Policy
Fire Insurance provides cover against a host of perils
ranging from fire, lightening, explosion/implosion,
aircraft damage etc as well as act of God perils.
INDUSTRIAL
7.Workmen Compensation Insurance

This policy provides indemnity to the Insured against
liability to pay compensation if any employee in the
Insureds service sustain bodily injury by accident or
contracts disease arising out of and in the course of his
employment.
8.Product Liability Insurance
The policy indemnifies the insured against legal liability
to third parties for death / bodily injury or damage to
property arising out of use of the product sold to them.
9.Public Liability Insurance
This policy indemnifies the insured against legal liability
to pay compensation to third parties for death /bodily
injury or damage to property arising out of accidents out
of insureds business
COMMERCIAL
COMMERCIAL
1.Burglary (Business Premises) Policy

Covers loss due to theft and burglary of movable
properties like stock-in-trade, plant and machinery,
furniture, fittings etc followed by virulent and forceful
entry or exit.
2.Shopkeepers Policy
This policy is specifically devised for small shopkeepers
having building and stock value limited to less than or
equal to Rupees ten lacs. The policy covers host of risks
like stock in trade, building, furniture, money-in-transit,
business interruption etc. and indemnifies the insured
loss due to any of the perils covered.
3.Bankers Indemnity Policy
This Policy is specially designed for banks to provide
indemnity against direct loss suffered by them (excluding
Non Banking Financial Institutions). The policy covers
loss of Money and/or Securities inside Bank or while In
Transit, Forgery or Alteration, Dishonesty of employees
etc.
COMMERCIAL
4.Office Package Policy

This policy provides a package of various covers
required by an office establishment including cover for
buildings, the Landlords Fixture and Fittings, Boundary
Walls and Fences, Canteen etc. Office contents,
equipments, cover for employees, Public Liability etc all
built in one policy.
5.Glass Insurance
The policy covers loss due to accidental breakage of
plain and ordinary glazed glasses without embossing,
silvering, lettering, bending or ornamented fitted to
doors, windows, show-cases, counters and shelves.
Crockeries are not insurable under Glass Insurance.
6.Money Insurance
Policy indemnifies insured against loss of Cash,
Currency Notes, Coins, Securities, Postal Orders,
Stamps, Cheques etc. whilst in transit or in locked safe.
COMMERCIAL
7.Jewelers Block Policy

Covers loss of or damage to the stock in trade and also
cash and currency notes while contained in the premises
where the insureds business is carried on or at other
premises where the property insured is deposited.
8.Extended Warranty Policy
Policy provides extended warranty to prospective buyers
of vehicle, over and above the normal warranty provided
by Manufacturers / Authorised dealers of vehicles like
cars and two wheelers.
9.Directors and Officers Liability Policy
Policy indemnifies legal liability to third party due to
wrongful act by Directors and Officers of any company
but excludes dishonest, fraudulent, criminal or malicious
act, personal guarantee, libel and slander and damage to
property and pollution damage.
COMMERCIAL-
10.Fidelity Guarantee Policy

The term Fidelity Guarantee Insurance embraces policies
indemnifying employers against financial loss on account
of forgery, defalcation, embezzlement and fraudulent
conversion by employees. The object is to provide
protection in respect of the default of an individual acting
in some capacity such as Cashier, Accountant, Storekeeper etc. The cover may be required in respect of a
single employee or a number of employees.
11.Marine Cargo Insurance
The policy provides cover to cargo against risk of damage
when it is exposed to maritime perils during
transportation. The policy covers two categories of risk
which are Standard risks of transport and Exceptional
risks of transport (war, strike or similar).
S 9 INSURANCE SERVICES
1-5-95/32,101 Sainivas Apts, Srilakshminagar Colony, Old
Alwal ,Secunderabad-10
BY
K.ASHWIN KUMAR
National Insurance Company
IRDA License No: 419 5675083
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S 9 INSURANCE

National Insurance Company Ltd (NIC) is one of the leading

1.Motor Policy - Two Wheelers/4

12.VARISTHA Mediclaim for Senior

3.Critical Illness Policy

15.Standard Fire and Special Perils

16.Product and Public Liability

17.Burglary (Business Premises)

18.Office Package Policy

20 Jewellers Block Policy

21.Extended Warranty Policy

9.Rural Policies for Agri, Cattle,Dog

22.Directors and Officers Liability

10.Professional Indemnity for

23.Fidelity Guarantee Policy

24.Marine Cargo Insurance

4.Personal Accident Policy

11.PARIVAR Mediclaim for Family

[click on policy name for complete information in ms word ]

Policy indemnifies bona fide owner of

[click on policy name for complete information in ms word ]

Policy covers risks of different types

Policy compensates individuals

Policy provides exclusive benefit to

Policy covers Non-Resident Indians

Policy covers cost of education of a

8.Bhagyashree Child Welfare Policy

[click on policy name for complete

Star National Swasthya Bima policy is a unique Health Policy

16.PARIVAR Mediclaim for Family

[click on policy name for complete information in ms word ]

This policy has been designed to cater to the

Policy indemnifies against loss sustained due to loss of life of

7.Janata Personal Accident Insurance

[click on policy name for complete information in ms word ]

1. Erection All Risks Insurance ( EAR )

[click on policy name for complete information in ms word ]

4.Electronic Equipment Insurance ( EEI)

[click on policy name for complete information in ms word ]

7.Workmen Compensation Insurance

[click on policy name for complete information in ms word ]

1.Burglary (Business Premises) Policy

[click on policy name for complete information in ms word ]

4.Office Package Policy

7.Jewelers Block Policy

[click on policy name for complete information in ms word ]

10.Fidelity Guarantee Policy

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