http://www.bimaworld.com/forums/ Indian Insurance Community Forums en Fri, 10 Feb 2012 09:36:00 +0000 http://www.bimaworld.com/forums/topic/marine-cargo-claim#post-5266 Mon, 12 Dec 2011 11:52:46 +0000 Anonymous 5266@http://www.bimaworld.com/forums/ <p>Hi friends, </p> <p>We are looking for <strong><u>GM(Claims)</u></strong> for a very big <strong>topmost, company in shipping Cargo</strong>. Location Will be Mumbai and individual has to report Sr. person out of India.<br /> Please provide me references or those who are interested, contact me at <a href="mailto:Vikram.r@peoplefy.com.">Vikram.r@peoplefy.com.</a> Contact no.:- Tel: +91 -20-41032670.</p> <p>Best Regards,<br /> Vikram Rajput </p> http://www.bimaworld.com/forums/topic/procedure-of-death-claim-of-dhanvarsha-2-038-4#post-5013 Tue, 15 Nov 2011 08:22:57 +0000 Anonymous 5013@http://www.bimaworld.com/forums/ <p>My parents had invested in DHANWARSHA 2 and DHANWARSA 4 Rs.2 lacs and 2.25 lacs respectively.<br /> These amounts were later transferred to probably lic mutual fund.<br /> I want to know the present value of it and also the procedure of making deat claim in this respect.<br /> I am not getting any help in local lic office.<br /> kindly help.<br /> Sincerely yours,<br /> Dhirendra Kumar.<br /> Phone No -8757499200;9575033722.<br /> email - <a href="mailto:dkumar2601@hotmail.com">dkumar2601@hotmail.com</a> </p> http://www.bimaworld.com/forums/topic/hospitalization-spread-over-2-policy-yrswhether-i-will-be-eligible-both-or-one#post-4788 Wed, 07 Sep 2011 14:49:01 +0000 Anonymous 4788@http://www.bimaworld.com/forums/ <p>Thanks alot Devanand. Will get intouch with you, if needed any further help. Once again thanks for the help </p> http://www.bimaworld.com/forums/topic/hospitalization-spread-over-2-policy-yrswhether-i-will-be-eligible-both-or-one#post-4777 Thu, 01 Sep 2011 13:48:33 +0000 devanand 4777@http://www.bimaworld.com/forums/ <p>Mediclaim policy basically covers :<br /> 1. Hospitalization expenses.<br /> 2. Pre and Post Hospitalization expenses.<br /> 3. Maternity Benefit (For Group policies) </p> <p>Your wife has been hospitalized under the policy period of IFFCO Tokio and subsequently your new born Baby was placed in NICU for treatment. </p> <p>In the above case, claim for Hospitalization expenses upto 31st August 2011 and Pre-hospitalization expenses will fall under IFFCO's policy.</p> <p>From 1st September 2011 all expenses will have to be claimed under Oriental Insurance Policy. </p> <p>Remember you would have to obtain documents from hospital in duplicate (prescription, Bills, receipts, Discharge Summary, Medicinine Bills etc) and also get it duly certified by them, since Oriental's TPA would ask for the same.</p> <p>Best Part here is that our TPA for IFFCO and Oriental are same so there should not be much of problem. </p> <p>Regarding Post Hospitalization expenses if your wife and baby are discharged from hospital after 1st September 2011 then all the expenses will fall under Oriental's policy.</p> <p>For detailed assistance u may sign-up at our Free Claims Counseling section.</p> <p>May your wife and child recover soon.<br /> Good Luck !!! </p> http://www.bimaworld.com/forums/topic/hospitalization-spread-over-2-policy-yrswhether-i-will-be-eligible-both-or-one#post-4775 Thu, 01 Sep 2011 11:40:11 +0000 rukku335 4775@http://www.bimaworld.com/forums/ <p>Hi,<br /> my company insurance is with IffcoTokio (TPA Mediassist)<br /> 2lakhs till 31st aug 2011<br /> and from 1st sep 2011 its Oriental (TPA mediassist) 2lakhs<br /> My new born baby in NICU from 6th Aug 2011.<br /> My wife discharged on 10th aug and the cashless facility was fine.<br /> But as my baby is still in NICU, will i be able to claim expenses till 31st aug with IffcoTokia and from 1st sep with Oriental??<br /> or as the date of admission falls with IffcoTokia, i cant claim from Oriental??<br /> I enquired with hospital Insurance/Finance people, they were telling me that, they will give me some "approval" letter, which will help me to reemburse from Oriental for the period after 1st sep2011.<br /> Please help me in identifying the correct way. </p> http://www.bimaworld.com/forums/topic/port-to-port-marine-cargo-claim#post-4596 Tue, 05 Jul 2011 12:46:08 +0000 devanand 4596@http://www.bimaworld.com/forums/ <p>From above it is gathered the coverage is port A to Port C with transhipment in Port B, and the cargo has been hijacked before it could reach Port C, the final destination. for which you have made a claim upon the insurer which has been declined.</p> <p>Based upon the priliminary information as above, we feel the stand taken by insurer is not justified and you should represent your case before you approach any legal forum.</p> <p>If you wish you may also sign-up at our "claim counselling" section at this forum for detailed opinion in the matter. </p> http://www.bimaworld.com/forums/topic/port-to-port-marine-cargo-claim#post-4576 Mon, 27 Jun 2011 20:58:34 +0000 Anonymous 4576@http://www.bimaworld.com/forums/ <p>Hi all, </p> <p>I would like an experts point of view.</p> <p>I have a Marine Cargo Policy which has ICC "A" coverage. On the policy, it has From : Port A To Port C with Transhipment in Port B. Coverage is Port to Port only.</p> <p>During the voyage, in port B, the goods left the port vicinity to do re-stuffing of different containers as the containers that are from Port A are not of International standard and therefore needs to be moved to an international certified container. During the course of returning to the port to be sent to the final destination, a third party hijacked the container. </p> <p>The insurer has rejected my claim based on the fact that it has left the port and the coverage is "Port to Port Only". Is this true? Or is there a definition of "Port to Port" as to my understanding, Port to Port refers to the original destination to the final destination. Is there any definitions or Case law that might be able to help me?</p> <p>Thanks </p> http://www.bimaworld.com/forums/topic/road-accident-death-claim-related-driving-licence-of-deceased-missing#post-4469 Fri, 03 Jun 2011 19:32:03 +0000 devanand 4469@http://www.bimaworld.com/forums/ <p>Sumbul,</p> <p>Driving License has got very remote relationship with Claim under life insurance policy.</p> <p>We need to discuss this. Hence you are requested to sign up through free insurance claims counselling section of this forum to assist you in the matter.</p> <p>warm regards<br /> Devanand </p> http://www.bimaworld.com/forums/topic/marine-cargo-claim#post-4468 Fri, 03 Jun 2011 16:56:32 +0000 Anonymous 4468@http://www.bimaworld.com/forums/ <p>The claim has been repudiated apparently due to "Inherent Vice". That is, leather gloves shipped has inherent moisture (presumably higher than prescribed for the voyage)which evaporated and condensed on the ceiling of the container. The water droplets subsequently dropped on to the cargo causing the water damages.<br /> The claim can be challenged as the insurer, in All Risks, has the onus to prove that the cause of damage was inherent vice. </p> http://www.bimaworld.com/forums/topic/road-accident-death-claim-related-driving-licence-of-deceased-missing#post-4453 Mon, 30 May 2011 20:42:56 +0000 Anonymous 4453@http://www.bimaworld.com/forums/ <p>Hi,<br /> I lost my father in a road accident last year. His driving license along with other important documents was lost at the accident site. I have filed a missing report at the concerned police station and also in the leading newspaper.<br /> Now at the time of claiming the insurance, the insurance is asking for the driving license and saying that the claim will not be passed unless a copy of the DL is presented.<br /> I have no record of my fathers Driving license number or anything.<br /> Please advice me on how to proceed further. Is a life insurance claim really null without a driving license.<br /> Please Help..<br /> Thanking you in advance.<br /> Sumbul. </p> http://www.bimaworld.com/forums/topic/how-do-i-file-a-claim#post-3930 Sun, 06 Mar 2011 14:38:45 +0000 martin 3930@http://www.bimaworld.com/forums/ <p>If your claim involves a collision, file a police report and keep a copy of it. Get the name, address, phone number and name of the other party's insurance agency. </p> http://www.bimaworld.com/forums/topic/floater-policy-maternity-claim-falling-under-two-policies-2#post-3675 Thu, 10 Feb 2011 12:20:42 +0000 Anonymous 3675@http://www.bimaworld.com/forums/ <p>Dear Mr. Kabra &#38; Devanand,</p> <p>Thank you so much for the replies.</p> <p>She was admitted on 05.10.10 and delivery took place on same day. According to your advise, i may need to claim the pre-natal expenses only with IFFCO, where the main bill is settled. </p> <p>Prior to submission of claims, i have called ICICI Customer Care and they have completely mis-guided me.</p> <p>I am not even having the Call Reference to prove that they have mis-guided me. My concern is not about the money, but only about their inproper guidance. </p> <p>However, thanks again for your valuable advises. </p> http://www.bimaworld.com/forums/topic/floater-policy-maternity-claim-falling-under-two-policies-2#post-3668 Wed, 09 Feb 2011 15:28:21 +0000 devanand 3668@http://www.bimaworld.com/forums/ <p>Mr. Kumar,</p> <p>Kabra have rightly pointed "the date of admission" is most important in such cases. </p> <p>Note the claim for pre-natal expenses will fall in that policy period under which the hospitalization has taken place. </p> <p>To explain you further, there could be only two situation :-<br /> 1. your wife was admitted in a hospital on or before 20.09.10 or<br /> 2. She was admitted after 20.09.2010.</p> <p><strong>In case of situtation no. 1</strong>: </p> <p>You would be entitled to claim from ICICI, your previous insurer the Main Bill as well the Pre-natal expenses, since she was hospitalized before the date of expiry of ICICI policy i.e. midnight of 20.09.2010 . But </p> <p><strong> In case of situtation no. 2</strong>:</p> <p>You would not be entitled to claim any amount from ICICI, be it Main Bill or pre-natal expenses, since your wife was hospitalized after the date of expiry of ICICI policy but under a new policy period that of IFFCO. </p> <p>Therefore, please note you are entitled to claim this pre-natal expenses along with Main Bill from IFFCO, but to the extent of the policy terms agreed between your employer and IFFCO.</p> <p>warm regards </p> http://www.bimaworld.com/forums/topic/floater-policy-maternity-claim-falling-under-two-policies-2#post-3667 Wed, 09 Feb 2011 14:52:55 +0000 kabra 3667@http://www.bimaworld.com/forums/ <p>Mr. Prabhu Kumar,</p> <p>What could be gathered from above is that:<br /> 1) On 05.10.10 your Wife delivered a Baby.<br /> 2) U want Pre-natal expenses reimbursement for Rs. 9749/-<br /> 3) ICICI has refused since Main bill is not settled by them.<br /> 4) under Iffco policy you will loose Rs. 7500/-</p> <p>Mr. Kumar, the most important point you missed to state is the date when your wife was hospitalized. </p> <p>- Is it on 20.09.2010 or thereafter? </p> http://www.bimaworld.com/forums/topic/floater-policy-maternity-claim-falling-under-two-policies-2#post-3657 Tue, 08 Feb 2011 11:45:55 +0000 prabhukumar82 3657@http://www.bimaworld.com/forums/ <p>Hi, My self and my family are covered under Floater Policy of my Employer with ICICI Lombard (TPA - iHealthcare) valid upto 20.09.10. </p> <p>* From 21.09.10 my employer has switched over to IFFCO Tokio</p> <p>* On 05.10.10 my Wife has delivered a Baby</p> <p>* Amount of Rs. 43,000/- Hospitalisation. Claim submitted to IFFCO Tokio (TPA - Medi Assist)</p> <p>* Amount of Rs. 9749/- towards Pre-natal Expenses (i.e. Expenses spent during ICICI policy is valid from Jan. 10 to Sep. 10). Claim submitted ICICI according to the directions given by ICICI customer care.</p> <p>* Maternity Claim limit in both policies are Rs. 50,000/- inclusive of Pre,Post and Hospitalisation charges.</p> <p>* Now, ICICI is rejecting the claim stating that reimbursement of Pre-natal can be given only in case of Main Bill is settled by ICICI. </p> <p>* If i need to claim these Pre-natal charges with IFFCO Tokio, this policy has restriction of paying only 30 Days charges prior to Delivery. In such case i will loose Rs. 7500/- out of Rs. 9749/-.</p> <p>* In case of ICICI Policy there is such restriction.</p> <p>Kindly advise in this regard. </p> http://www.bimaworld.com/forums/topic/marine-cargo-claim#post-3077 Tue, 28 Dec 2010 12:10:44 +0000 Anonymous 3077@http://www.bimaworld.com/forums/ <p>The cause of decline of claim is possibly due to the fact that damages took place due to condensation. Condensation means the moisture in the air being precipatated on the cargo / containr walls due to variation in temperature / inadequate ventilation etc. It is inherent vice and hence not covered. </p> http://www.bimaworld.com/forums/topic/deduction-of-25-due-to-non-spot-survey#post-1932 Mon, 27 Sep 2010 23:33:18 +0000 Anonymous 1932@http://www.bimaworld.com/forums/ <p>R/Experts<br /> My vehicle met with an accident,own damage claim case was lodged with insurer,but insurance co. deducted 25% amount from net payable claim amount,in fact spot survey was not conducted due to avoidable circumstances,is this deduction is lawful,kindly suggest.Thanx </p> http://www.bimaworld.com/forums/topic/marine-cargo-claim#post-1771 Sat, 04 Sep 2010 16:55:42 +0000 devanand 1771@http://www.bimaworld.com/forums/ <p>Hi Shruti,</p> <p>The Docs that would be helpful are :-</p> <p>a. Port Receipts &#38; Landing Tally Remarks -Port Authorities<br /> b. Statement of Facts -Vessel Captain<br /> c. Damage/ Short Landing Cert. - Shipping Lines<br /> d. Pre and Post inspection report - Conatiner Provider<br /> e. Damage Cert. -inland transporter, BL copy - FW Agent </p> <p>The possible reason for damage could be rainwater, seawater entry into container or water generation inside the container as a result of Container Condensation </p> http://www.bimaworld.com/forums/topic/marine-cargo-claim#post-1656 Wed, 11 Aug 2010 14:52:36 +0000 Anonymous 1656@http://www.bimaworld.com/forums/ <p>Hi Friends,</p> <p>Looking for assistance.<br /> Brief fact of the case is as under.</p> <p>i had sent a consignment of Leather gloves (packed in cardboxes) from Kolkata-Paradip port to Chile (Valpriaso port) through sea using a general purpose container in July 09.<br /> Cargo was in transit for about 3 months involving 3 different transhipment ports &#38; vessels. </p> <p>when the cargo reached destination the seal of the container was found intact &#38; the container was also found apparently in good condition from outside.</p> <p>But when the container was opened at the destination (factory in chile) it was found that the cardboxes containing leather gloves (packed in polybags with selica gel &#38; anti-fungus capsules)were found wet &#38; damaged.</p> <p>the above consignment was insured wide transit insurance all risk policy. on intimation to the insurer about the loss for settlement of the claim. They declined the claim for want of evidence.- How did the consignment got wet.?</p> <p>would appreciate if anybody can suggest what documentary proof can be helpful from the following parties;-</p> <p>a. port authorities - ( 3 transhipment ports involved)<br /> b. vessels captain - ( 3 vessels involved)<br /> c. Shipping line<br /> d. container provider<br /> e. Forwarding agents at both ends</p> <p>And also suggest what could be the possible reason of container being filled with water from inside.</p> <p>Thanks;<br /> Shruti </p> http://www.bimaworld.com/forums/topic/documents-required-for-personal-accidental-claimwhicle-bathing-in-bathroom#post-1635 Wed, 04 Aug 2010 08:44:25 +0000 shyamsunder 1635@http://www.bimaworld.com/forums/ <p>Documents that might be required by insurer are :-</p> <p>1. Original Policy Bond<br /> 2. Certified true copy of Death Certificate<br /> 3. Police FIR / Complaint letter if intimated to police<br /> 4. Brief statement of the incident<br /> 5. Certified true copy of Postmortem Report, if done<br /> 6. Claim form duly completed and signed.<br /> 7. Proof of relationship/Nominee -claimaint with the insured member</p> <p>Pl. remember to give immediate claim intimation letter to the insurer-TATA AIG refereing the PA policy number, asking them to register the claim under the policy and also to issue a claim form alongwith list of documents that they may require. </p> http://www.bimaworld.com/forums/topic/documents-required-for-personal-accidental-claimwhicle-bathing-in-bathroom#post-1634 Tue, 03 Aug 2010 23:39:16 +0000 Anonymous 1634@http://www.bimaworld.com/forums/ <p>one of my friends mother was having TATA AIG peronal accident cover ,and she lost her life ,as she fell down in the bathroom and got head injury.so it is requested to kindly help me out ,how &#38; what would be the expected douments required to settle the claim . </p> http://www.bimaworld.com/forums/topic/25-deduction-from-claim-amount-due-to-not-conducting-spot-survey-is-legal-or-ille#post-1611 Fri, 30 Jul 2010 22:16:07 +0000 V9DBANSAL 1611@http://www.bimaworld.com/forums/ <p>Thanks Sir </p> http://www.bimaworld.com/forums/topic/25-deduction-from-claim-amount-due-to-not-conducting-spot-survey-is-legal-or-ille#post-1608 Fri, 30 Jul 2010 08:50:45 +0000 devanand 1608@http://www.bimaworld.com/forums/ <p>For the reason of non-compliance of policy condition/ warranty, claims can be settled on non-standard basis i.e 75% of the assessed claim amount is paid by the insurer. </p> <p>Also note it is the discretion of an insurer whether at all to pay or not for the claim where there is any breach of policy condition, if they decide to entertain the claim it is generally processed on non-standard basis.</p> <p>However, in your case it was demand of the situation and compulsion for you to remove the car to avoide further loss to the insured vehicle or "Total Loss" of the vehicle and safe guard human life and not intentional that the spot survey was foregone.</p> <p>In view of the above, you can make a personal as well official representation to the grievance department of the insurer with your contention for their review of the claim. </p> http://www.bimaworld.com/forums/topic/25-deduction-from-claim-amount-due-to-not-conducting-spot-survey-is-legal-or-ille#post-1607 Thu, 29 Jul 2010 22:38:02 +0000 V9DBANSAL 1607@http://www.bimaworld.com/forums/ <p>R/Experts<br /> My loss was assessed as Rs. 172000/- but claim cheque was given for Rs. 1,22,000/- by saying that there is rule/clause of 25% deduction if insured had not arranged spot survey of accidental vehicle.In my case spot survey was not conducted because my truck was got accident in a jungle of Bihar and there was every apprehension of every type of loss to life etc. so we remove the vehicle from the spot .Kindly suggest </p> http://www.bimaworld.com/forums/topic/what-should-i-do-if-i-have-troble-in-settling-my-claim#post-123 Fri, 26 Jun 2009 06:18:20 +0000 devanand 123@http://www.bimaworld.com/forums/ <p>Get in touch with ur agent. insurance company and know the reason for delay / non-settlement</p> <p>The delay may be on 2 counts:<br /> 1. File processing unattended<br /> 2. Claim settlement pending often want some document or clarification from your side. </p>