http://www.bimaworld.com/forums/ Indian Insurance Community Forums en Sat, 11 Feb 2012 08:23:27 +0000 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/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-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-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-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-18 Mon, 13 Apr 2009 14:26:18 +0000 ishika 18@http://www.bimaworld.com/forums/ <p>How to file a claim &#38; what do I need to ask the agent </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/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/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-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-17 Mon, 13 Apr 2009 14:34:33 +0000 manavjindal 17@http://www.bimaworld.com/forums/ http://www.bimaworld.com/forums/topic/why-do-different-people-have-different-premiums#post-19 Thu, 09 Apr 2009 07:08:16 +0000 pricilla 19@http://www.bimaworld.com/forums/ <p>Briefly describe y premium varies </p> http://www.bimaworld.com/forums/topic/claim-rejection#post-20 Fri, 13 Feb 2009 05:05:44 +0000 ronakmital 20@http://www.bimaworld.com/forums/ <p>I have taken a special contengincy policy of my new laptop which i purchase on dated 10.4.2008 . Inception of policy is 20.4.2008, after four month laptop screen is borken. now the insurer is deny to pay the claim because there is gap of ten days between date of purchase and inception of the policy. now please guide me what can i do against the insurer </p> http://www.bimaworld.com/forums/topic/if-i-claim-a-file-do-my-premium-go-up#post-11 Fri, 01 May 2009 16:14:22 +0000 palak 11@http://www.bimaworld.com/forums/ <p>What are the benefits provided if the claim is not filed n what happens if the claim is filed ? </p> http://www.bimaworld.com/forums/topic/children-can-claim-for-parents-insurance-policy#post-10 Fri, 01 May 2009 16:09:26 +0000 ramlal 10@http://www.bimaworld.com/forums/ <p>5 years ago I had taken a life insurance policy with 20 years term. My wife is the nominee of the policy. I understand if something happens to me, my wife will get the policy's benefits. But what will happen if something happens to both of us? Can our children claim for the benefits of the policy? </p> http://www.bimaworld.com/forums/topic/claim-assesment-fire-insurance#post-28 Mon, 09 Feb 2009 04:25:57 +0000 kabra 28@http://www.bimaworld.com/forums/ <p>what are the deciding factors in fire loss/claim assessment ? </p> http://www.bimaworld.com/forums/topic/how-depriciation-relates-with-claim-settlement#post-16 Thu, 16 Apr 2009 11:41:20 +0000 vineet 16@http://www.bimaworld.com/forums/ <p>I purchased a car on 16th may 2007 for Rs 700000, how much settlement I will get from insurance Company ? </p> http://www.bimaworld.com/forums/topic/should-i-pay-the-premium-for-stolen-car#post-15 Thu, 16 Apr 2009 12:18:44 +0000 vineet 15@http://www.bimaworld.com/forums/ <p>My car was recently stolen. I filed a police report. Must I continue the car insurance payments? </p> http://www.bimaworld.com/forums/topic/whats-the-difference-between-reimbursement-and-indemnity#post-13 Mon, 13 Apr 2009 19:16:37 +0000 dhrove 13@http://www.bimaworld.com/forums/ <p> </p>