MEDICAL ESTABLISHMENT

INSURANCE PACKAGE

360ºCOVERAGE
OF HOSPITAL UNDER THIS
INSURANCE PACKAGE

HOSPITAL INDEMNITY

FIRE & BURGLARY

PUBLIC LIABILITY

MONEY INSURANCE

GROUP PERSONAL ACCIDENT

M ERGENCY

E ALL RISK INSURANCE

(NEON GLASS)

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www.coveryou.in corporate@coveryou.in +918826362333

 HOSPITAL INDEMNITY

What is hospital indemnity?

( a.k.a. Establishment Errors & Omissions Insurance.)
· An insurance cover that protects hospitals from professional risks and
related legal expenses.
· It provides indemnity in case a patient sustains injury, harm, death due to
the professional services rendered by the hospital.

Who all can takehospital indemnity?

· Hospitals
· Nursing Homes
· Diagnostic Centres
· Path Labs
· Private Clinics

Coverage hospital Indemnity

Expert medico legal Medical legal cell legal

Cashless Claim
lawyers to represent cell for 2nd level
Settlement
medical establishment consultation

Pre-Litigation Cost Out of Court

Cover Multiple Cases
(Covers Initial Cost of Lawyers
(Upto Sum Assured) Settlement Coverage
Consultation and Documentation)
(Upto Sum Assured)

Covers Defence Cost Loss of Document Defamation-policy

for Crimial Cases and Breach of covers defamation
Arising Out of Confidentiality Cover cases filled by patients
Medical Accidents

Approx 80% less No Membership Fees / Within in 2 Hour

premium Legal Fees /Annual Fees Lawyer Allocation
Promise

COVID 19 cover- Dishonesty- Hospital, Nursing

Covid 19 medical Dishonesty from home indemnity
negligence covered profession covered also available

Unqualified Staff Visiting Consultants Multiple cases cover

Compulsory Excess
 FIRE & BURGLARY

What is Fire & Burglary Insurance

A Fire & Burglary also commonly known as property insurance is an insurance
policy to protect the building and its contents from risks such as fires, burglaries,
natural disasters, and other unfortunate incidents.
A property insurance comes with two primary benefits: protection against fire
and natural calamities (Standard Fire & Perils) and burglary as well since all
properties are prone to the risk of the same.

Coverage - “Fire & Burglary Insurance”

Fire Storm: Property insurance covers for

damages due to nature’s furies such
as a dreadful storm or lightnings.

Earthquakes Flood

Burglaries Riots & Vandalism

What all it covers?

1.Building/Structure -
Building Insurance refers to the entire property you want to cover.
For instance, construction of your entire building is what would be referred to
as the ‘building’ covered for.
2. Content -
It refers to your fixed & moveable assets both.
For instance , furniture, medical equipments, electronic items,medicine stock etc..
‘CoverYou’ benefits of a building insurance
• Complete Coverage: Covers the contents within hospital property.
• Reduces Business Risks: Free add-ons to protect hospital and its contents, thus
reducing the risk of business losses in events such as a fire, earthquake, flood,
burglary, etc.
• Peace of Mind.
 PUBLIC LIABILITY

What is public liability?

· Standard type of coverage that almost every hospital needs.
· It’s there to help out the hospital owner when an accident happens under their watch.
· If the accident results in harm to another party, then they might hold the business
responsible for their losses.

Coverage- “Public Liability”

Bodily injury coverage Personal injury coverage

Property damage coverage

Legal expenses coverage

Advantages of buying public liability insurance

Looking at hospital it has various levels of risks involved, it makes sense to purchase
a public liability insurance.
Some of the advantages of this insurance are:
• It will cover for any kind of accident the public faces because of the hospital.
• It will cover any damage to public property caused due to the hospital.
• It will let you continue with your work without any hindrance in spite of liability issues.
• It will help get coverage for legal fees, in case you need to go to the court for some
liability case.
 MONEY INSURANCE

Why Money insurance?

Money Insurance covers "Money" carried by the Insured or the authorized employees
while in transit.
Money that has not been disbursed and has been retained in a safe is also covered.
Money means and includes :-
• cash
• bank drafts
• currency notes
• treasury notes
• cheques
• postal orders
• current postage stamps

Coverage- “Money Insurance”

Loss of Money in Transit

Covers money carried by insured or insureds authorized employee in the event of:
• Robbery
•Theft, waylaying, or snatching away.
• Any other fortuitous event.
• Money in transit implies money in direct transit from the insured’s premises to
the bank and vice versa.
• Money in the personal custody or with authorized employee can also be included.

HOSPITAL

Loss of Money in Safe

Covers loss of money in safe due to:
• Burglary
• Housebreaking
• Robbery or hold-up
• Money in safe implies money secured in a locked safe or locked strong room on
your premises outside business hours and includes money kept in till.

FIDELITY/ Employee Dishonesty

Event in which an authorized employee runs away with the money.
• While taking it to the bank.
• Stealing cash from cash counter or cash safe.
 GROUP PERSONAL ACCIDENT

What is Group Personal Accident?

The insurance policy compensates the insured in case of
accidental death
• loss of limbs and eyes
• permanent total disablement and
• permanent partial disablement
• The key benefit offered under group accident insurance policy is that it protects
you against any financial liability arising due to death or disability due to accident.

Coverage- “Group Personal Accident”

• Accidental Death
• Permanent Total Disability
• Ambulance Charges
• Mortal Remains Transportation
• Broken Bones
• Changes in Lifestyle : Permanent Total Disability arising out of an accident often
demand a change in lifestyle. To meet the increase in lifestyle expenses due to
the change, the employee might need financial assistance.
 Neon Sign & Plate Glass Insurance

M ERGENCY

• All the completely and securely fixed flat glass fixtures or neon signs are covered
under this insurance policy.
• Covers any accidental loss or damage to Plate Glass/Neon Signs/Glow Signs except
for those specifically excluded.
• Damage to frame and framework of any description following breakage of Glass
and/or Neon Boards/glow signs.
• Breakage of Glass
• the cost of Tinting
• Lettering
• Painting
• Embossing
• Silvering or any other ornamental work on the replacement Glass, provided that
such costs have been included in the Sum Insured of the Glass under this Policy.

HOSPITA L