Infinity Insurance EMPLOYEE HEALTHCARE

WHAT IS COVERED?

Employee Healthcare

• Room & board
• General hospital fees, such as ambulance, medication, and anaesthetist's fees
• Surgical fees
• Pre-hospital fees, including diagnostic and consultation fees
• Follow-up treatment
• Emergency treatment

EMPLOYEE HEALTHCARE

Infinity is the largest and leading health care insurer in Cambodia.
Our highly trained and experienced medical claims team are available 24/7.
We have a well-established network of medical clinics providing cashless convenience to insured employees.
Our Policies are tailored to our customer needs, whether in-patient only or out-patient options, we work with you to provide your employees with quality health care.
Contact us for a free quotation today.

Ref: http://www.infinity.com.kh/products/commercial-employee-healthcare.php

CAMINCO Marine Cargo Insurance

• Provides the insured with indemnity for loss of or damage to the goods during transit.
• Includes cover for land tansit commencing from the moment the goods leave the place of storage until they arrive at the final warehouse.

Scope of Cover

• Ther MAR form also contains one of the following International Cargo Clauses (ICC) which specifies the terms and conditions of a Marine Cargo Insurance policy:
  • Institute Cargo Clauses A (ICC A)
  • Institute Cargo Clauses B (ICC B)
  • Institute Cargo Clauses C (ICC C)
• Summary Table of Risks Covered
  • Fire or explosion
  • Vessel/ Craft being standed, grounded, sunk or capsized
  • Overturning or derailment of land conveyance
  • Collision or contact of vessel, craft or conveyance with external object other than water
  • Discharge of cargo at a port of distress
  • Earthquake, volcanic eruption or lightning
  • General Average sacrifice
  • Jettison
  • Washing overboard
  • General Average and salvage charges
  • Entry of sea, lake of river water into vessel, craft, hold, conveyance, container, liftvan or place of storage
  • Total loss of any package lost overboard or dropped whilst loading on to or unloading from vessel/ craft
  • Theft, Pilferages and non-delivery, rough handling/ contamination/ wet-damages, etc...

Why you need for Marine Cargo Insurance

• The movement of raw materials and manufactured goods between countries and the internal movement within the country itself involve credit and cash transaction worth millions of dollars.
• Serious loss or damange to a cargo can create financial difficulties for the buyer, seller or any other party having an interest in the goods.
• Such contingencies need to be protected against, via some form of transportation insurance, essentially Marine Cargo Insurance.

Underwriting Information

• Background of the proposed insured (e.g. insured's company name and address, nature of business, its financial standing and reputation, and previous claims history).
• Nature of the cargo (e.g. whether the cargo gives off or absorbs moisture, susceptibility of the cargo to damage due to rough handling, etc.).
• Details of packaging (e.g. types of packing or packing material to be used, whether goods are crated or packed in cartons or containers).
• Details of the carrying vessel (e.g. its structural form, type, ship's flag, size or tonnage of the vessel).
• Voyage contemplated (e.g. length of voyage, weather conditions of the trading areas, ports of call and ports of discharge, whether any transshipments involved).

Claim Procedure
When the damage or loss discovered, the insured shall:

• Minimise the loss and prevent further losses (make every effort to reduce the loss or take steps to prevent further loss).
• Notify CAMINCO or nominated survey agent (notify CAMINCO or their nominated survey agent so that a survey of the damaged cargo can be arranged promptly).
• File a claim against the carrier (file a claim in writing against the carrier as soon as the loss is known).
• Whatever document was originally issued to substantiate the insurance placed, e.g. the original copy of policy or certificate of insurance.
• Ocean (or air) Bill Of Lading, transshipment Bill Of Lading or railway freight note when applicable.
• Original shipper's invoice
• Packaging list, weight certificates or other evidence of the nature and conditions of the goods at the time of shipment.
• Port Airport Authority's Cargo Irregularity Report or Inward Report.
• Copy of the survey/ joint survey report and original photographs, where applicable
• Repair/ reinstatement invoices
• Original delivery note or other original document of receipt from the forwarder/ transporter.
• Statement of claim to the carriers/ bailees and their replies.

CAMINCO Travel Accident Insurance

In reliance upon the statements make in the proposal for insurance and in consideration of the premium to be paid by the insured and subject to the coverage agreements, exclusions, general conditions and endorsements to this policy, the Company agrees with the insured as follows:

COVERAGE AGREEMENTS

This insurance covers loss arising from injury due to causes external to the person of the insured by accident giving rise to results as follows:

1. Loss of life or Loss of Limbs and Sight
If injury sustained by the insured causes loss of life or loss of limbs and sight within 180 days as from the date of accident or the injury sustained by the insured necessitates continuous treatment in a hospital or clinic and loss of limbs and sight occurs because of such injury, the Company will pay compensation as follows:
1. Loss of life ................................................................................................................................... 100% of the sum insured
2. Loss of both hands or both feet or sight of both eyes ................................... 100% of the sum insured
3. Loss of one hand and one foot ...................................................................................... 100% of the sum insured
4. Loss of one hand and sight of eye ............................................................................... 100% of the sum insured
5. Loss of one hand or one foot and sight of one eye .......................................... 100% of the sum insured
6. Loss of one hand or one foot or sight of one eye ............................................. 100% of the sum insured
Loss of hand or foot means severance from the wrist or ankle joint or loss of use totally and permanently. Loss of night of eye means complete blindness, which is permanently incurable. The Company shall pay in respect of this part that item of loss with the greatest amount, one tem only.
2. Medical Expenses
If injury sustained by the insured shall require treatment by a legally licensed physician or surgeon or shall require treatment in a hospital or the employment of the licensed nurse, the Company will pay the expenses actually incurred by the insured 2 weeks from the date of accident for medical treatment, hospital charges and nursing charges but not exceeding the amount as stated in the schedule.
EXCLUSIONS
This insurance agreement shall not cover losses arising from or in consequence of causes or occurring during the time as follows.
1. Hunting in forests, engaging in vehicle racing or boat racing of all kinds, engaging in horse racing, engaging in water skiing, engaging in skating of all kinds, parachute jumping, polo playing, engaging in professional boxing.


2. Driving of riding as a passenger on the motorcycle.


3. Whilst boarding or alighting from or travelling as a passenger in an aircraft not licensed or carriage of passenger.


4. Actions of the insured whilst under the influence of alcohol of drugs of harmful nature to the extent of being incapable of controlling senses.


5. Suicide or attempt at suicide or infliction of self in jury.


6. Bacterial infections except gynogenic infections, which occur through an accidental cut or wound or tetanus or rabies.


7. Medical or surgical treatment except such as way be necessary because of injury sustained which in covered by this policy and performed within the time provided in the policy.


8. Aborting resulting from accident.


9. Whilst engaging in brawl or taking part in inciting a brawl.


10. Whilst in the course of committing a felony or whilst under arrest by authorities be cause of commission of a felony.


11. Whilst performing duties as a member of the armed forces or police or as volunteer and engaged in war of crime suppression in such event if the insured has performed such duties continuously for more than 30 days, the Company shall return a prorate premium for the period of performance of such as duties.


12. War (whether declared or otherwise), invasion, act of foreign enemies, civil war, revolution, insurrection, civil commotion assuming the proportion of or amounting to a popular rising.


13. Nuclear weapons, radiation or radioactivity from any nuclear fuel arising from the combustion of nuclear fuel and self-sustaining process of nuclear fission.
GENERAL CONDICTIONS
1. Definitions In this policy and in endorsement to this policy:
"Company" means the company issuing this policy. "Insured" means the person named as insured in policy. "Accident" means an event which happens suddenly and giving rise to result, which the insured did not intend and anticipate. "Schedule" means the schedule of this policy.

2. Completeness of contract and change in policy
This policy together with the coverage agreements and endorsements from the insurance contract. Any change of wording in the contract shall be approved by the Company and noted in the policy or in endorsements before such changes shall be valid.

3. Report of accident
possible to do so. The insured, the beneficiary or a representative of the said person, as the case may be, shall report injury to the Company without delay. In the event of death, report shall be made to the Company immediately unless it can be proven that circumstances necessary and reasonably make it impossible to report as required but report was given as soon as it was possible to do so.

4. Proof of loss
In claiming for compensation, the insured, the beneficiary or a representative of the said person, as the case may be, shall furnish evidence, as the Company require, to the Company at the expense of such person. furnish within 30 days as from the date of loss of life. In the event of claim for any other compensation, evidence shall be furnished within 2 weeks from the date of accident.

5. Medical Examination
The Company shall have the right to examine the person of the Insured while in the course of considering a claim as it may reasonable require and also to make an autopsy in the event of necessity.

6. Payment of Compensation
The Company shall pay compensation as specified in the Schedule promptly after receipt of complete and proper proof of loss.

7. Condition Precedent
The Company shall not be liable to pay compensation under this policy unless the Insured or the beneficiary shall have complied properly with the conditions of this policy.

Ref: http://www.caminco.com.kh/travel.html

Forte's Hospital and Surgical Insurance

What is Hospital and Surgical insurance?
A Hospital and Surgical policy helps you pay for all or some of the high costs related to surgery and hospitalisation. From pre-hospitalisation consultations, to post-hospitalisation treatment, the comprehensive plan we offer ensures that you will be protected for as little as 12 cents a day. 

Comprehensive Protection
Our comprehensive Hospital & Surgical coverage offers protection 24 hours a day, 365 days a year whether you are at work, at home or on holiday - worldwide.

What is the Coverage?
You will be covered for the actual hospitalisation bills that you incur when you are hospitalised due to sickness or accident. This insurance takes care of room & board (up to 90 days), surgery, consultation, intensive care (up to 20 days) as well as post-hospitalisation costs (up to 90 days).

What are the special benefits of insuring with Forte?
At Forte, we think of your convenience first. You can benefit from the close relationships we have with 9 leading hospitals in country - assuring you of quality health services. Forte's policy additionally gives you:

• Convenient Access to Hospitals
• Cash Disbursements for Room and Board Costs
• Dental Coverage
• Emergency Treatment

Ref: http://www.forteinsurance.com/individual-hospital-surgical

Forte's Motor Vehicle Insurance

What is Motor Vehicle insurance?
Forte's Motor vehicle insurance policies help protect your loved ones and safeguard your investment in your automobile in the event of an accident, theft or fire. Whether you're travelling for business or pleasure, or even if your vehicle is parked, you can dramatically reduce the risk of paying for repairs or compensation if your vehicle is involved in an accident; and you will be assured of compensation in the event of theft or damage by fire.

What is the coverage?
Our policy offers a wide range of cover and pricing options so you can choose the best insurance coverage for you. From the standard coverage in our affordable "Basic" package to the full protection of our "Comprehensive" policy, we can create a flexible package that means you only pay for the level of cover you need.

Basic
Third Party Liability cover protects you should you cause bodily injury to others or damage their car or other property while driving. You are also entitled up to $1,500 for the cost of legal fees.

Comprehensive
A Comprehensive policy is tailored to give you maximum protection if your vehicle suffers accidental loss or damage, as well as protecting you against claims from others. The extensive nature of a full Comprehensive policy can insure against passenger liability, theft, fire, strike, riot, civil commotion and even flood damage.

RED Team

RED (Rapid Emergency Dispatch) Team is an exclusive value-added service for Forte’s Motor Vehicle Insurance policyholders that provide immediate aid during road mishaps.

If you are involved in a traffic accident, call our 24-hour hotline at 023 888 080 for nationwide assistance. Our RED Team is guaranteed to reach you in 30 minutes if you are within city limits of Phnom Penh, Siem Reap, Battambang and Kampong Cham.

RED Team is trained to ensure you are well looked after in post-accident situations. Our services include:

• Settle claims with third parties	• Tow disabled vehicles (if required)
• Coordinate with the people	• Provide first-aid for minor injuries
• Arrange for vehicle repairs	• Address customer's safety concerns

INFORMATION REQUIRED:

* Your policy number or vehicle license plate number.

* Your exact location of accident, preferably with reference to prominent buildings or landmarks, street names or intersections, as well as your phone number or that of the driver of the vehicle so that our RED Team rider is able to find you easily.

* Your driving license, insurance certificate and the yellow label attached to your car windscreen for our RED Team rider to verify your policy details.

For assistance, please call our Support Centre at 023 888 080 (Spoken languages: Khmer, English, Mandarin)

WHAT ARE THE OTHER BENEFITS OF INSURING WITH FORTE

• Loyalty Discount
• No Claims Discount
• Reliable Repair Service
• Windscreen Cover

For more information, please call 023 885 077 today!

To download a Motor Vehicle Insurance application form, click here Private Car Commercial Car Motor Cycle

Manulife Savings Protector

Providing both protection and saving to your family

WHY MANULIFE SAVINGS PROTECTOR?

Manulife Savings Protector is an integrated plan providing a combination of protection and saving for your family’s future. This plan provides various benefits and there are two options available: 10 or 15 years.

BENEFITS

■ 100% benefit of the policy face amount with accumulated dividend (not guaranteed) at the policy maturity date
■ 200% benefit of the policy face amount against Death or Total Disability
■ In case of Death and Total Disability, your family will receive 400% of the face amount
■ Level premium payment until the policy maturity date
■ Semi-annual or annual premium payment modes
■ Protection for accident anywhere in the world
■ Dividends  (not guaranteed) are provided annually with accumulated interest. The accumulated dividends have the option to become ready cash for your family when needed.

Manulife provides sound advice, sound decisions. For more information about Manulife products or services, Contact Us.

Ref: https://www.manulife.com.kh/Manulife-Savings-Protector

Manulife Education Protector

One of the best gifts for your children!

In today’s working environment, a quality education is important for your child to have a bright future and a rewarding career. As a parent, you would want to provide the best education for your children.

Manulife Education Protector is a multi-purpose savings and protection plan designed especially for parents who want to systematically save for and protect their children’s financial support for higher education.

SYSTEMATIC SAVINGS FOR 4 YEARS OF HIGHER EDUCATION 

Manulife Education Protector provides guaranteed education benefits of 25% of the face amount each year for 4 years. 2 plans are available; “High School Plan” which pays out the education benefits when the child is age 15 to 18 and the “University Plan” which pays out when the child is age 19 to 22. The guaranteed education benefit will help to ensure sufficient fund to see your children through high school or university.

Here is an example of the benefits you will receive if you start a “High School Plan” when your child is 1 year old with a face amount of $6,000. 

Child's Age	% of face amount	Payout 1
15	25%	$1,500
16	25%	$1,500
17	25%	$1,500
18	25% + dividends2 & interest 2	$1500 + dividends 2 & interest 2

Here is an example of the benefits you will receive if you start a “University Plan” when your child is 1 year old with face amount of $6,000.

Child's Age	% of face amount	Payout 1
19	25%	$1,500
20	25%	$1,500
21	25%	$1,500
22	25% + dividends2 & interest 2	$1500 + dividends 2 & interest 2

1 Any policy loan, outstanding premium and interest will be deducted from the payout. 
2 Dividends are declared annually and left on deposit with the Company to accumulate with interest. Dividends are not guaranteed.The interest rate may be reviewed and adjusted by the Company from time to time.
 

FULFILL YOUR FINANCIAL GOALS
Manulife Education Protector is an integrated savings plan. It aims to safeguard your children’s education fund while supporting your financial goals.

Annual dividends left on deposit with the Company will accumulate with interest, with the option to become ready cash. These dividends are not guaranteed and will be declared annually by the Company.

The guaranteed cash value can be used to take up a policy loan with the Company when needs arise.

Once you receive the first guaranteed education benefit, there will be no more premium payment needed, and your financial obligation will be relieved. The premium is level and guaranteed which make your financial planning easy and manageable.

PROTECT YOUR EDUCATION FUND

The Payor Benefit under Manulife Education Protector provides added security to the education fund for your child. If something unexpected were to happen to you as the Payor of the premium (death or total disability)*, your future premiums will be waived. The policy will continue to be effective and the guaranteed education benefits, accumulated dividends with interest and other benefits will still be paid when due. Your children’s education therefore can still be funded. Knowing your child’s education fund is protected, you can enjoy peace of mind.

(*) The Payor Benefit is subject to definitions, terms and exclusions in the Policy Contract.

COMPREHENSIVE PROTECTION

In case of the insured’s untimely death, the beneficiary will get as death benefits** the face amount less guaranteed education benefits already paid out. In the event of an accidental death, an additional 100% of face amount** reduced by guaranteed education benefits already paid out will also be provided. The payouts will add any accumulated dividends less any outstanding premium and loan with interest

(**) The death benefit and accidental death benefit are subject to the terms and exclusions in the Policy Contract. For insured of age at last birthday of 1, 2 and 3, the death benefit and accidental death benefit payable are 40%, 60%, and 80% of the face amount respectively.

IMPORTANT NOTES AND DISCLAIMER:

Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable (if any) may be less than the total premiums paid. Manulife Education Protector is a life insurance product underwritten by Manulife (Cambodia) PLC. This pamphlet is for reference only. For the exact terms and conditions, please refer to the policy contract. For more information, please contact your Manulife Insurance Advisor or call our Customer Service hotline.

Manulife provides sound advice, sound decisions. For more information about Manulife products or services, Contact Us

Ref: https://www.manulife.com.kh/Manulife-Education-Protector