This insurance covers property against loss or damage whilst within the insured premises, following theft by actual violent and forcible entry into or exit from the premises, including armed hold-up.

There are two ways of insuring the property, either on:

1. Full Value Basis
Where all your assets and/or property most susceptible to loss or damage by burglary are insured, or,

2. First Loss Basis
Where the sum insured is an estimate of the maximum probable loss in the event of any one burglary attempt.

Depending on the sums insured, attractiveness of property insured and security precautions, the First Loss Basis of insurance can be both adequate and economical.

Exclusions

• War and warlike operation, riot & strike, civil commotion, Terrorist activities conclusion of nature and/or consequential loss
• Any inmate or member of the Insured's household or his business staff or any other person lawfully in the premises
• Ionizing radiation or contamination by radioactivity
• Nuclear weapons material
• Fire or explosion however caused
• Damage to plate glass or any decoration or lettering thereon
• Loss of or damage deeds, bonds, bill of exchanged etc.

Coverage under this policy is against loss or damage to the property insured by any accident or misfortune unless specifically excluded in the Policy.

Coverage
Coverage provided is very wide and includes accidental damage, fire and theft. This Policy is usually effected on items, which are high in value, easily damaged by mishandling and attractive to thieves. Exclusions apply and may vary according to the type of property insured.

This insurance provides coverage in respect of all direct pecuniary loss as the Insured shall sustain by all acts of fraud or dishonesty committed by any employee insured and discovered within the insurance period or within six months after the expiry of the policy or the termination of employees services which ever shall first happen.

Coverage is generally sought for employees who are likely to cause pecuniary loss because of their constant exposure to cash, stocks or other assets.

Cover can be arranged on one of the following basis:

Blanket Basis:
An adequate limit to cover all employees

Collective Basis:
An adequate limit to cover selected employees or occupations

Individual Basis:
An adequate limit to cover selected employees individually

Exclusions

• There is any change in the circumstances or conditions of the said employment without the consent of the company
• More than one claim in respect of any one employee
• Arising outside Sri Lanka
• Due to non-observance or relaxations of system of checks and precautions

At Allianz, we understand that a company's greatest asset is its employees. We thus acknowledge the importance of their well being and have designed a healthcare plan that would benefit them in the event of unexpected illness. With the advance of technology in medical science, the cost of treatment that results from hospitalization or prolonged follow-up visits can be substantial.

The benefits of our medical schemes are designed to take care of these costs by providing the most comprehensive cover.

Features

• Cashless claim settlement with the network of hospitals
• Combination with other health products - Hospital Cash & Critical Illness

Note: Please note that this class of insurance is generally not accepted on stand alone basis.

Employees are valuable assets in any organization, and as such many employers affect Personal Accident Insurance for their staff.

The standard cover provides compensation for death or bodily injury arising from accident without establishing negligence. Unless restricted, the cover is operational worldwide and on a 24-hour basis.

The sum insured is usually in multiples of the employee's annual salary depending on his seniority and length of service or on a lump sum basis according to designation.

Death
We will pay the sum insured stated in the Schedule if death of the Insured or the insured person occurs within 12 calendar months due to an accident occurring during the policy period.

Permanent Total Disablement
We will pay up to 100 % of the total sum insured if the Insured or the insured person is injured due to an accident occurring during the period of insurance and within 12 calendar months of its happening, the Injury becomes the sole cause of permanent total disablement.

Permanent Partial Disablement
We will pay a proportion of the sum insured according to the scale of benefits if the Insured or the insured person is injured due to an accident occurring during the policy period and within 12 calendar months of its happening, the Injury becomes the sole cause of a permanent partial disablement for a period not exceeding 104 weeks from the commencement of the first Result to occur.

Temporary Total Disablement
We will pay a weekly benefit as stated in the schedule if the Insured or the insured person is injured due to an accident occurring during the period of insurance and within 12 calendar months of its happening, the Injury results in the Insured or insured person being totally unable to attend his occupation for a period not exceeding 104 weeks from the commencement of the first result to occur.

Result B
When Result B is insured the Compensation payable will be the appropriate percentage stated hereunder of the Compensation specified in the Schedule against Result B, but not exceeding in all 100%
Result	Compensation (%)
1. Total and permanent disablement from engaging in or attending to employment or occupations of any and every kind	100%
2. Total and permanent loss of all sight in one or both eyes	100%
3. Total loss by physical severance or total and permanent loss of use of: (a) One or two limbs (b) One or two hands (c) Arm above the elbow (d) Arm at or below the elbow (e) Leg above the knee (f) Leg at or below the knee	100%
4. Total and permanent loss of: (a) Sight in one eye except perception of light (b) Lens of one eye	50%
5. Total loss by physical severance or total and permanent loss of use of: (a) Thumb and four fingers of one hand (b) Four fingers of one hand (c) Thumb (both phalanges) (d) Thumb (one phalanx) (e) Index finger (three phalanges) (f) Index finger (two phalanges) (g) Index finger (one phalanx) (h) Middle finger (three phalanges) (i) Middle finger (two phalanges) (j) Middle finger (one) phalanx) (k) Ring finger (three phalanges) (l) Ring finger (two phalanges) (m) Ring finger (one phalanx) (n) Little finger (three phalanges) (o) Little finger (two phalanges) (p) Little finger (one phalanx) (q) All toes of one foot (r) Great toe (two phalanges) (s) Great toe (one phalanx) (t) Any other toe	50% 40% 25% 10% 15% 8% 4% 10% 4% 2% 8% 4% 2% 6% 3% 2% 17% 5% 2% 3%
6. Total and permanent loss of: (a) Hearing in both ears (b) Hearing in one ear (c) Speech	75% 15% 50%

Extensions

• Riot & strike
• Terrorism
• Football (Amateur Soccer) Inclusion
• Rugby Union Inclusion
• Motor Cycling Inclusion

Exclusions

• Suicide
• Self-inflicted injury
• Pregnancy or childbirth
• Pre-existing physical or mental defects
• Aviation other than as a passenger
• Motor rallies
• War
• Civil war or similar situations
• Insured person being affected (temporarily or otherwise) by alcohol or drug

This insurance provides coverage in respect of loss of money from any cause whilst money is in the personal custody of the Insured's authorized employees, during transit or on your premises, whilst open for business and/or whilst kept in a locked safe overnight.

The term money includes cash, bank drafts, currency notes, treasury notes, postal orders, money orders and postage stamps. The loss of money in transit must occur whilst being carried by the insured or his authorized employees.

Extensions

• Riot & strike
• Terrorism

Exclusions

• Loss arising from fraud or dishonesty of the insured's employee
• Shortage due to error or omission
• Any loss insured by a Fidelity Guarantee Insurance
• Loss from any unattended vehicle
• Any consequential losses of any kind
• Loss of money from the insured premises where the money is not kept in a safe or strong room after business hours

There are two limits under the policy. One is for the limit of money in premises and the other limits for money in transit from one location to another.

This insurance covers accidental breakage of glass whilst situated at the Insured's premises from any cause other than those specifically excluded in the policy.

Main Exclusions

• War, invasion, act of enemy hostilities
• Fire, explosion, flood, earthquake and volcanic eruption riot & strike etc that could be covered by a fire policy
• Breakage of lettering unaccompanied by breakage of glass
• Breakage or damage to frames or framework of any description
• Cost of removing or replacing fixtures and fittings
• Cracked or imperfect glass or scratches on the glass
• Willfully caused by the insured or his agent
• Consequential loss arising out of breakage, (i.e. interruption of business) or due to delay in replacing the glass
• Nuclear exclusion

We at Allianz do not insure houses, we insure homes. For you your home is the most valued possession, a haven of safety. But is it really as safe as you believe it. We value your security & peace of mind. Hence we bring to you the House- Holders' Insurance policy designed to cover various risks and contingencies faced by householders under a single policy. It provides protection for property and interests of the insured and his family members who permanently reside with the insured.

Covers

Fire & Allied Perils Building & Contents
Covers not only property, but also contents.

Burglary & Theft
Covers loss of house hold contents and expenses Incurred due to damage caused on incidence of house-breaking & theft.

Jewellery & Precious Items
All risk coverage for jewellery and precious stones.

Plate Glass
Coverage against accidental breakage of glass.

Domestic Appliances
Covered against any electrical or mechanical breakdown.

Electronic Equipment
All risk coverage.

Personal Accident Cover
Coverage for the insured and his family for any death or disability.

Public Liability
Covers any injuries or damages caused to third parties.

Workmen's Compensation
Covers workmen whom you have employed on wages.

Advantages

• Single policy covering all risks related to home
• Complete coverage at reduced and very competitive premium rates
• Simple and quick documentation
• Related items get covered under respective sections
• Customized cover option available
• Benefits on sectional discount which will reduce the premium
• Single policy covering all risks related to home

We at Allianz strongly believe that your shop is not only your most valued asset but also your source of income. Hence, we have brought to you the Shop Comprehensive Policy. This policy protects your shops against all risks.

Features

• Fire & Allied Perils - Provides protection for the property and interests of the insured against fire, burglary, theft or any fortuitous event
• Covers breakdown of office equipment
• Workmen’s Compensation-covers liability towards workmen under the Workmen’s Compensation Act
• Covers business interruptions suffered due to fire and allied perils
• Fidelity Guarantee – Provides protection against fraudulent and dishonest employees
• Covers money carried to the bank, plate glass, neon sign and other electronic equipment in the shop

Advantages

• Single policy covering all risks in a shop
• Complete coverage at lower premium
• Simple documentation
• Covers for unanticipated loss
• Saving on costs
• Smooth functioning of the business
• One stop shop / solution for the clients business related needs