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Archive for December, 2020

Portable Electronic Equipment Insurance

Posted on: December 22nd, 2020 by hema kashyap No Comments

Electronic Equipment like Laptops, Cameras, Scanners, Hand – held Devices, Mobile phones, Audio / Visual equipment, Portable Medical and Biomedical Equipment etc. are vulnerable to more risks, associated with their portability, as compared to fixed assets.
The above Insurance on All Risks basis provides covers against these exposures. Being exclusion based cover, the policy covers all the possible risks other than the exclusions. But on a broad basis, provides indemnity against risks such as:

  1. Fire, Lightening, Explosion / Implosion, Aircraft damage, Riot, Strike, Malicious damage, Storm, Cyclone , Typhoon, Tempest, Hurricane, Tornado, Flood, & Inundation and the like perils.
  2. Earthquake (Fire and shock), Landslide, Subsidence, Tsunami
  3. Burglary, Housebreaking including Theft
  4. Accidental external damage
  5. Assets when in transit as accompanied baggage of Insured or his employees

Cover optional extensions

  1. Electrical / Mechanical /Electronic breakdown
  2. Terrorism cover
  3. Worldwide territory

This policy is also known in market parlance as LAR (Laptop All Risk) or All Risk for Portable equipment or All Risk. It is mainly available as a package cover with Fire and occasionally as a standalone cover.

 

Basis of Indemnity

The Portable Electronic Equipment Insurance Policy indemnifies the Insured by way of repair, replacement or payment in respect of physical loss or damage to Insured property from any cause other than those specifically excluded under the policy usually on market value basis. However the Sum Insured should be on new replacement value basis.

General exclusions such as;

• War or war like operations, nuclear reaction, radiation or radioactive contamination
• Willful act or willful negligence of the Insured or his representative
• Wear and tear or gradual deterioration due to atmospheric conditions
• Manufacturer or supplier ‘s legal or contractual liability
• Maintenance costs
• Consequential loss or liability of any kind or description
• Aesthetic defects, such as scratches on painted polished or enameled surfaces and / or
any existing defects at the time of commencement of insurance cover
• Stated deductible under the policy


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IRDA looking to ban credit-linked group health insurance

Posted on: December 8th, 2020 by hema kashyap No Comments

The insurer regulator, IRDAI has proposed a ban on credit-linked group health policies such as critical illness covers that are coupled with home loans. IRDAI is intending to withdraw such policies by December 31, 2020.

“As the primary purpose of any health cover is to meet the treatment costs or to manage the lifestyle on diagnosis of critical illness, no insurer is permitted to offer any indemnity or benefit-based credit-linked group health products,” Irdai said in a draft circular. Exception to this has been made for the sale of personal accident policy only.

Ideally, critical illness covers should be purchased along with the health insurance and not as a standalone cover. Also, premiums on group covers are completely unregulated unlike individual policies, where the regulator ensures the pricing is fair.

In the draft circular, IRDAI said that henceforth insurers that wish to offer group insurance should have a board-approved group underwriting policy.

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Winter Care Tips

Posted on: December 4th, 2020 by hema kashyap No Comments

“Laughter is the sun that drives winter from the human face.” –Victor Hugo

Winters brings with it the happiness to indulge in hot chocolates, coffee and fried food.

It also brings the woes of dry skin and brittle hair. Flaking skin, chapped lips,
cracked heels, dandruff and hair fall.

So, here are some tips on how to keep your skin and hair healthy this winter:

  1. Stay hydrated – Dry hair, central heating and hot water make our skin dry. Hydrate your body with water, green tea, fruit juice and smoothies.
  2. Exercise – Boost your mind and skin by exercising. Exercise help in flushing out toxins from the body and keeping the skin healthy.
  3. No hot water – Hot water baths are very relaxing but it makes skin loose its natural moisture. Use luke warn water instead.
  4. Oils massage for skin – Oils like olive, almond and castor keep the skin soft and retain its natural moisture.
  5. Get your Vitamins – Load on green and leafy vegetables and citrus fruits to get your daily dose of Vitamin C which help boost collagen production. Also add avocados, nuts and fish to you diet to get Omega -3 fatty acids which helps in keeping your skin moist.
  6. Warm oil routine for hair – Keep you hair hydrated by oiling at least twice a week.
  7. Avoid heat styling products – Blow dryers, hair straighteners and curlers make the hair dry and brittle, so limit their usage.

A healthy diet and regular exercise regime can control the winter woes for skin and hair, so indulge in this healthy way of life.

 


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