Products benefits and rates - Securite Assurance · Securité Assurance V2.2018-2019| [2] 2...

Brokers Kit

2018 - 2019

Securité Assurance V2.2018-2019| [2]

2

Contents

Medical Plans Comparison Table 3

Medical Rates 6

Expat 10

Term Life Insurance 11

Critical Illness Insurance - Stand Alone 12

Personal Accident 13

Travel Safe Trip 14

Motor All Risks Rates & Benefits 15

Motor Total Loss Cover 18

Motor TPL Bodily & Material Damage 20

Luxury Residence - Property All Risk LM7 21

Commercial - Property All Risks LM7 22

Apartments, Clinics & Offices - Fire & Allied Perils 23

Commercial & Industrial Risk - Fire & Allied Perils 24

Common Parts of Residential Buildings 25

Workmen Compensation - Corporate 26

Workmen & Public Liability - Construction Sites 27

Pleasure Boats 28

Marine Benefits & Rates 29

Contractors’ All Risk 30

Securite Assurance PRO - Mobile APP 31


3

Medical Plans Comparison Table Prime Care Global Care Best Care Essential

Area of cover Lebanon

Networks available

Full Network on direct billing Full Network on direct billing excluding CMC

Full Network on direct billing excluding CMC

AUH, St. George Orthodox and Rizk

Inpatient benefits

Limit per year

Unlimited

First (A): $125,000 Second (B): $100,000

Semi-Private(SK): $75,000

Emergency room Full Cover. Exclusions also

covered up to $100 Full Cover

Maternity (not applicable for Junior single)

For couples Full cover after 180 days of enrollment, for all classes

Full cover after 12 months of enrollment,

for all classes

For single mother Full cover after 12 months of enrollment, for all classes Not covered

Free of charge new born baby (Bébé Securite)

Covered from day one Covered after 14 days, if eligible

Epidural Covered

Incubator & nursery Unlimited days, up to $30,000

Unlimited days, up to $20,000

Unlimited days, up to $10,000

7 days, up to $5,000

Screening test for baby Up to $200 Up to $150 Not covered Not covered

Congenital cases for babies born at Securite (Bébé

Securite)

All cases covered up till the age of 12 and with

no financial limit

All cases covered up till the age of 12 and up to

$20,000 per year

25 specific cases covered up till the age of 7 and up to $15,000

per year


per year

Congenital cases for babies not born at Securite

All cases covered up till the age of 12 and with

no financial limit

All cases covered up till the age of 12 and up to

$7,500 per year


per year


per year

Parent accommodation at hospital for children below

12 years Covered Not covered

Prosthesis

Due to accident Unlimited,

as per TPA’s tariff Unlimited,

as per TPA’s tariff

Up to $10,000 per year,

as per TPA’s tariff

Up to $5,000 per year, as per TPA’s tariff

Due to sickness Up to $30,000 per year, as per TPA’s

tariff




Orthesis

Due to accident Up to $500 Up to $250 Not covered Not covered

Due to sickness Up to $500 Up to $250 Not covered Not covered

Additional Inpatient benefits

Dialysis for acute renal failure

Covered for all needed sessions during 1st

initial admission

Up to 3 sessions during first initial

admission Not covered

Sleep disorders disease Polysomnography is

only covered

Polysomnography is only covered

(excluding CMC & AUH)

Not covered

Breast reconstruction Covered if due to a covered partial or complete breast excision due to breast cancer (within 6 months of sickness)

Not covered


4

Prime Care Global Care Best Care Essential Infertility Covered after 12

months of enrolment and up to $3,000 per

year, for all classes. As per TPA’s tariff

Covered after 12 months of enrolment and up to $2,000 per


Covered after 12 months of enrolment and up to $1,000 per


Not covered

Cornea transplant Surgery is covered. Cost of cornea is excluded Not covered

Coronary stent Covered up to sickness prosthesis limit

Valves Covered up to sickness prosthesis limit

Work related accident Covered

Bone marrow aspiration & organ transplant surgery

Up to $30,000 per lifetime. As per TPA’s tariff. Cost of organ is

excluded

Not covered

Bariatric surgery related to morbid obesity (e.g. Sleeve

and bypass)

Up to $7,500 per lifetime. As per TPA’s

tariff Not covered

Cancer including chemotherapy &

radiotherapy Covered

Tropical Disease (specific diseases as per general

conditions) Covered Not covered

Sexually transmitted diseases (specific diseases as per general conditions)

Up to $15,000 per year Not covered

Morgue/Burial expenses Up to $3,000 Up to $2,000 Up to $1,000 Not covered

Out of hospital benefits Direct billing as per NEXtCARE preferred network

Ambulatory

Option 1 Unlimited, 100% coverage

Up to $3,500 per year, 100% coverage



Option 2 Unlimited, 85% coverage




Amniocentesis Covered Not covered

Morphological Echography Once per pregnancy Not covered

Triple test Covered once per pregnancy

Dental panoramic Covered if due to a covered accident and up to 9 months after the accident occurred

MRI Covered, subject to a prior approval

Thallium myocardial Scintigraphy

Covered, subject to a prior approval Not covered

Pet scan Covered, subject to a prior approval Not covered

VCT 64 Covered, subject to a prior approval Not covered

OCT Covered, subject to a prior approval Not covered

Osteodensitometry (for insured aged 50y & above)

Covered for a specific medical reason in private diagnostic centers

Physiotherapy & Kinesitherapy

25 sessions per year 20 sessions per year 15 sessions per year 10 sessions per year

Pre-Marital test Covered Not covered

Doctor Visit (not applicable for Junior single) Up to 10 visits per year Up to 5 visits per year

Prescription drugs (not applicable for Junior single)

Option 1 Up to $1,500 per year with a 15% deductible Up to $500 per year with a 15% deductible

Option 2 Up to $1,500 per year with a 0% deductible

Up to $500 per year with a 0% deductible


5

Prime Care Global Care Best Care Essential Medicines registered &

approved by the Ministry of Health

Covered

Treatment of acute diseases

Covered

Vaccines Covered Not covered

Chronic medicines Up to $1,500 per year with a 35% deductible Not covered

Dermatological products Not covered. Limited to treatments related to infectious diseases, allergic reactions, or consequences of accidents e.g. burns

Additional benefits

Guaranteed renewability 720 days lifetime subject to a waiting period of 180 days for new members

Pre-Existing conditions Covered after 1 year for new members

Upgrades on renewal (e.g. class and product

upgrade) Waiting period 180 days for maternity and preexisting conditions

Waiting period 365 days for maternity and preexisting conditions

Extension of coverage at the expiry date and while in

hospital Up to 120 days Up to 60 days Up to 30 days Up to 5 days

Claims outside of Lebanese territories or outside of

network

Claim processed on reimbursement basis and as per NEXtCARE’ s Lebanese network rates and subject to 20% excess

Family discount Applicable for 3+ (for every year)

4th

child & more for free Free for the first year (new business)

Age discount 10% discount for individuals and families below 45 years for the first year only (new business)

Junior single special rate Special rate for people between 18 and 35 years who are single (for every year)

Newly married couple discount

15% discount for the couple aged 45 years or less and for the first year (new business)

Life style discount For every Km you run outdoor, earn $0.5, up to $100 per year. To be monitored by your Nike+ App, linked to your Facebook account

Home Care Covered

Rental of medical supplies Up to 1 month rental Not covered

Travel insurance Worldwide excluding USA, Canada, Australia & Japan

Travel insurance up to 65 years

Covers 24/7 help desk. Covers death abroad, repatriation of mortal

remains, up to $10,000.

Covers accidental and acute sickness not due

to any Pre-Existing condition, up to

€30,000 per trip and up to 90 days per year.

Card should be requested at least 48

hours before traveling






















Travel insurance 66 years and above


remains, up to $10,000







Private transportation service/ private ambulance

Covered Not covered

Death in case of personal accident

Covered, up to $10,000 per year


6

Medical Rates Prime Care: Individual & Family of 2

Total Premium In $

In First (A) In Second (B) In Semi-private

(SK) Ambulatory

Prescription Medicine

Dr. Visit

NSSF Nil NSSF Nil NSSF Nil 100% 85% 100% 85%

0D-17Y 557 591 391 477 242 356 166 113 176 113 126

18Y-24Y 940 1110 450 700 435 630 287 240 377 240 126

25Y-30Y 990 1179 568 804 444 683 364 295 463 295 131

31Y-35Y 1080 1259 660 873 471 736 397 303 477 303 137

36Y-40Y 1148 1330 687 898 506 759 463 318 500 318 149

41Y-45Y 1230 1404 779 998 528 799 529 352 553 352 152

46Y-50Y 1558 1709 912 1148 652 988 573 383 604 383 170 *51Y-55Y 1891 2133 1092 1482 718 1099 637 415 653 415 177 56Y-60Y 2943 3390 1666 2115 1009 1620 684 436 687 436 186 *61Y-65Y 3908 4196 2196 2988 1194 2138 750 442 697 442 194

66Y-70Y 4989 5661 2621 3752 1540 2393 N/A 639 N/A 639 249 **

71Y-75Y 5885 7426 3334 4694 2035 3310 N/A 684 N/A 684 254

Prime Care - Junior Single Total Premium

In $ In First A + Amb 85% In Semi-private (SK) + Amb 85%

NSSF Nil NSSF Nil

Ages: 18Y-35Y 1,185 1,337 695 890

Prime Care: Family of 3 & Plus

Total Premium In $


(SK) Ambulatory


Dr. Visit


0D-17Y 506 538 355 434 219 324 140 104 161 104 126

18Y-24Y 716 868 397 563 355 491 260 218 343 218 126

25Y-30Y 878 1027 517 731 405 593 331 269 422 269 131

31Y-35Y 983 1143 602 793 429 670 360 276 434 276 137

36Y-40Y 1043 1209 626 816 460 690 421 290 456 290 149

41Y-45Y 1118 1276 709 905 481 727 481 320 503 320 152

46Y-50Y 1416 1554 830 1043 592 899 522 349 549 349 170 *51Y-55Y 1719 1939 992 1347 653 1001 579 377 594 377 177

*56Y-60Y 2674 3083 1514 1923 918 1473 622 396 624 396 186

*61Y-65Y 3553 3815 1995 2717 1086 1944 681 402 634 402 194

**66Y-70Y 4535 5147 2382 3410 1400 2176 N/A 581 N/A 581 249

**71Y-75Y 5351 6750 3030 4266 1850 3008 N/A 622 N/A 622 254

Compulsory Personal Accident (Accidental Death) Coverage for the Head of Family/ Policy Holder (aged between 18 &

70) with Sum Insured $10,000 at a total premium of $25 Prescription Medicine is Compulsory with ambulatory Coverage Doctor Visit is compulsory with Ambulatory and Prescription Medicine $1.33 adhesion fees per policy per year

For group business please refer to the company

A free medical exam is required for persons aged 55 years and above For clients having a renewed policy with Securité Assurance


7

Global Care Individual & Family of 2

Total Premium In $


(SK) Ambulatory


Dr. Visit


0D-17Y 453 490 276 374 222 298 153 104 160 104 126

18Y-24Y 744 927 413 596 362 507 268 217 338 217 126

25Y-30Y 843 1069 496 730 413 596 324 252 393 252 131

31Y-35Y 925 1170 576 792 442 660 378 273 426 273 137

36Y-40Y 1000 1183 599 825 484 704 414 292 455 292 149

41Y-45Y 1064 1250 660 922 500 721 473 320 499 320 152

46Y-50Y 1305 1568 780 1052 603 882 511 347 540 347 170 *51Y-55Y 1578 1785 911 1264 671 973 569 371 579 371 177 56Y-60Y 2176 2646 1306 1789 901 1410 611 386 604 386 186 *61Y-65Y 2978 3448 1674 2456 1096 1817 670 395 616 395 194

66Y-70Y 3845 4727 2019 3074 1442 2145 N/A 524 N/A 524 249 **

71Y-75Y 4638 6097 2676 3854 1851 3005 N/A 607 N/A 607 254

Global Care - Junior Single

Total Premium In $

In First A + Amb 85% In Semi-private (SK) + Amb 85%

NSSF Nil NSSF Nil

Ages: 18Y-35Y 960 1149 582 739

Global Care Family of 3+

Total Premium In $


(SK) Ambulatory


Dr. Visit


0D-17Y 419 467 293 371 201 272 134 95 147 95 126

18Y-24Y 691 841 375 541 330 469 276 197 308 197 126

25Y-30Y 765 970 450 691 375 543 298 230 357 230 131

31Y-35Y 842 1063 526 737 402 600 347 248 387 248 137

36Y-40Y 908 1090 545 749 440 641 378 266 414 266 149

41Y-45Y 966 1136 603 838 456 656 429 290 454 290 152

46Y-50Y 1185 1425 708 958 547 802 466 315 490 315 170 *51Y-55Y 1435 1622 830 1150 609 883 517 336 525 336 177

*56Y-60Y 2096 2610 1188 1629 820 1283 555 351 550 351 186

*61Y-65Y 2707 3135 1521 2233 999 1653 609 359 562 359 194

**66Y-70Y 3495 4298 1838 2794 1310 1949 N/A 477 N/A 477 249

**71Y-75Y 4217 5544 2435 3503 1683 2731 N/A 551 N/A 551 254

Compulsory Personal Accident (Accidental Death) Coverage for the Head of Family/Policy Holder (aged between 18 and

70 years) with Sum Insured $10,000at a total premium of $25

Prescription Medicine is Compulsory with ambulatory Coverage

Doctor Visit is compulsory with Ambulatory and Prescription Medicine

$1.33 adhesion fees per policy per year




8

Best Care Individual & Family of 2

Total Premium In $


(SK) Ambulatory


Dr. Visit


14D-17Y 363 418 222 324 201 235 139 93 139 93 126

18Y-24Y 701 883 396 576 333 484 258 193 258 193 126

25Y-30Y 718 1006 429 687 379 541 298 210 298 210 131

31Y-35Y 770 1034 480 700 422 569 358 243 358 243 137

36Y-40Y 851 1092 510 761 442 632 403 265 403 265 149

41Y-45Y 897 1120 569 812 481 644 452 287 452 287 152

46Y-50Y 1080 1452 647 957 562 776 487 309 487 309 170 *51Y-55Y 1264 1477 730 1046 621 845 513 326 513 326 177 56Y-60Y 1666 2285 1002 1517 793 1170 531 336 531 336 186 *61Y-65Y 2046 2702 1172 1961 1001 1494 547 348 547 348 194

66Y-70Y 2702 3794 1419 2465 1287 1896 N/A 408 N/A 408 249 **

71Y-75Y 3390 4770 1920 3015 1666 2636 N/A 529 N/A 529 254

Best Care - Junior Single

Total Premium In $


NSSF Nil NSSF Nil

Ages: 18Y-35Y 771 1006 491 618

Best Care - Family of 3+

Total Premium In $


(SK) Ambulatory


Dr. Visit


14D-17Y 331 380 202 296 183 214 125 85 134 85 126

18Y-24Y 637 823 359 524 303 440 233 175 276 175 126

25Y-30Y 653 914 392 625 345 490 295 191 298 191 131

31Y-35Y 700 941 437 635 383 517 343 221 347 221 137

36Y-40Y 773 992 463 692 402 575 376 240 378 240 149

41Y-45Y 815 1019 517 737 438 585 412 260 412 260 152

46Y-50Y 983 1320 588 869 511 706 441 281 441 281 170 *51Y-55Y 1150 1342 664 951 565 768 466 295 466 295 177

*56Y-60Y 1514 2077 909 1380 720 1063 483 307 483 307 186

*61Y-65Y 1861 2455 1065 1783 909 1359 499 315 499 315 194

**66Y-70Y 2455 3448 1289 2242 1171 1724 N/A 371 N/A 371 249

**71Y-75Y 3083 4338 1746 2742 1514 2396 N/A 481 N/A 481 254


70 years) with Sum Insured $10,000 at a total premium of $25







9

Essential Individual & Family of 2

Total Premium In $

In First (A) In Second (B) In Semi Private

(SK) Ambulatory


Dr. Visit


14D-17Y 346 398 211 309 191 224 132 89 132 89 120

18Y-24Y 668 841 377 549 317 461 246 184 246 184 120

25Y-30Y 684 958 409 654 361 515 284 200 284 200 125

31Y-35Y 733 985 457 667 402 542 341 231 341 231 130

36Y-40Y 810 1040 486 725 421 602 384 252 384 252 142

41Y-45Y 854 1067 542 773 458 613 430 273 430 273 145

46Y-50Y 1,029 1383 616 911 535 739 464 294 464 294 162

51Y-55Y 1,204 1407 695 996 591 805 489 310 489 310 169 56Y-60Y 1,587 2176 954 1,445 755 1114 506 320 506 320 177 *61Y-65Y 1,949 2573 1,116 1,868 953 1423 521 331 521 331 185

66Y-70Y 2,573 3613 1,351 2,348 1,226 1806 NA 389 NA 389 237 **

71Y-75Y 3,229 4543 1,829 2,871 1,587 2510 NA 504 NA 504 242

Essential - Junior Single

Total Premium In $


NSSF Nil NSSF Nil

Ages: 18Y-35Y 734 958 468 589

Essential - Family of 3+

Total Premium In $

In First (A) In Second (B) In Semi Private

(SK) Ambulatory


Dr. Visit


14D-17Y 315 362 192 282 174 204 119 81 128 81 120

18Y-24Y 607 784 342 499 289 419 222 167 263 167 120

25Y-30Y 622 870 373 595 329 467 281 182 284 182 125

31Y-35Y 667 896 416 605 365 492 327 210 330 210 130

36Y-40Y 736 945 441 659 383 548 358 229 360 229 142

41Y-45Y 776 970 492 702 417 557 392 248 392 248 145

46Y-50Y 936 1257 560 828 487 672 420 268 420 268 162

51Y-55Y 1095 1278 632 906 538 731 444 281 444 281 169 *56Y-60Y 1442 1978 866 1314 686 1012 460 292 460 292 177

*61Y-65Y 1772 2338 1014 1698 866 1294 475 300 475 300 185

**66Y-70Y 2338 3284 1228 2135 1115 1642 N/A 353 N/A 353 237

**71Y-75Y 2936 4131 1663 2611 1442 2282 N/A 458 N/A 458 242


70 years) with Sum Insured $10,000 at a total premium of $25







10

Expat Benefits As per Ministry of Labor, with the option of an additional unlimited ambulatory coverage of 40% in a limited network.

Rates

In $ IN - Hospital IN - Hospital + AMB 40%

Total Total

Female 100 120

Male 130 150


11

Term Life Insurance Level Term

Annual Premium

Single Premium

Decreasing Term

Annual Premium - 100% payment period



Single Premium

Benefits & Additional Riders

Minimum entry age : 18 years old

Basic coverage: Death up to 70 years old

Additional Riders: - Terminal Illness up to 65 years old

- Waiver of Premium up to 65 years old

- Permanent and Total Disability Accident or Sickness (Own or Similar) up to 65 years old

- Passive War Risk & Terrorism (Lebanon & Lebanese Residing in Africa)

- Accelerated Critical Illness rider up to 65 years old as per below diseases:

o Alzheimer’s disease

o Bacterial Meningitis

o Cancer

o Coronary artery by – pass grafts o Heart Attack of specified severity

o Kidney failure – requiring dialysis o Multiple Sclerosis

o Stroke

Guaranteed Renewability at Maturity: applicable for policies with duration period of 1 year

and 5 years

Minimum Sum Insured: $25,000 Minimum Premium: $75 Cost of Policy: $20


12

Critical Illness Insurance - Stand Alone Essential Scheme covers 6 Illnesses1

Comprehensive Scheme covers 37 Illnesses2

Comprehensive Critical Illness (Rate per mille of Sum Insured)

Age Male Female

up to 20 5.2 4.9

21- 25 5.4 4.7

26- 30 6.0 6.3

31- 35 7.5 8.4

36- 40 8.9 10.8

41- 45 9.8 12.2

46- 50 15.0 18.4

51 -55 22.0 23.4

56- 60 32.7 29.2

Minimum Entry Age: 18 years old

Maximum Entry Age: 60 years old

Expiry Age: 65 years old

Maximum Sum Insured: $500,000

Cost of Policy: $20

Guaranteed Renewability: For 5 years without underwriting (Terms and Conditions apply).

1 Cancer; Coronary artery by - pass grafts; Heart Attack of specified severity; Kidney failure - requiring dialysis; Major Organ Transplant;

Stroke. 2 Alzheimer’s disease; Aorta graft surgery; Aplastic anemia; Bacterial meningitis; Benign brain tumor; Benign spinal cord tumor; Blindness; Cardiac

arrest; Cardiomyopathy; Coma; Coronary angioplasty; Creutzfeldt – Jakob disease; Deafness; Dementia; Heart valve replacement or repair; HIV

Infection; Liver failure; Loss of hand or foot; Loss of independent existence; Loss of speech; Motor neurone disease; Multiple sclerosis; Open heart

surgery; Paralysis of limbs; Parkinson’s disease; Progressive supranuclear palsy; Respiratory failure; Rheumatoid arthritis; Systemic lupus

erythematosus; Third degree burns; Traumatic head injury.

Essential Critical Illness (Rate per mille of Sum Insured)

Age Male Female

up to 20 0.6 0.5

21- 25 0.7 0.6

26- 30 0.9 1.0

31- 35 1.5 1.7

36- 40 2.6 2.9

41- 45 3.8 4.2

46- 50 7.4 7.7

51 -55 12.5 11.0

56- 60 20.3 15.2


13

Personal Accident WORLDWIDE EXCLUDING RISK COUNTRIES

OCCUPATION CLASS AGES 18-64 AGES 65-69 [Renewal only] 1A 1.00‰ of S.I. 1.75‰ of S.I. 2B 1.25‰ of S.I. 2.00‰ of S.I. 3C 1.50‰ of S.I. 2.25‰ of S.I.

AFRICA

OCCUPATION CLASS Ages 18 - 64 Ages 65 - 69 [Renewal only] 1A 1.65‰ of S.I. 2.25‰ of S.I. 2B 1.75‰ of S.I. 2.60‰ of S.I. 3C 2.10‰ of S.I. 3.00‰ of S.I.

This product covers Accidental Death, Permanent Total Disability due to accident, and Permanent Partial Disability due to accident

Age Limit: Minimum 18 years old - Maximum 69 years old Minimum Sum Insured: $25,000. Minimum Gross premium $50 Passive war risk (without terrorism): Worldwide Excluding Risk Countries + 0.90 ‰; Africa + 1.15 ‰ Passive war risk (with terrorism): Worldwide Excluding Risk Countries + 1.50 ‰; Africa + 1.75 ‰ Cost of policy Worldwide Excluding Risk Countries: $20, Africa: $30

Additional Riders

Weekly Benefit Income (WBI)

OCCUPATION CLASS AGES 18-59 AGES 60-69 1A 25% of W.B.I. 40% of W.B.I. 2B 30% of W.B.I. 46% of W.B.I. 3C Refer to company

Weekly Benefit Income should not exceed: 75% of current weekly income $1,500 per week maximum 5‰ of the Sum Insured period up to: 104 weeks Minimum deductible period: 7 Days

Accidental Medical Expenses (AME)

OCCUPATION CLASS AGES 18-64 1A 1.35 % of AME 2B 1.60 % of AME 3C 2.50% of AME

Maximum benefit limit: 10% of Sum Insured Minimum Medical Expenses amount $1,000 per year, and Maximum $50,000 per year Deductible $30 per accident Entry age 18 to 64 years, renewable till age 69 with a 50% increase in the premium

1

White Collar Worker 2

Light Manual & Artistic Worker 3

Industrial & Mechanical Worker


14

Travel Safe Trip

Benefits and limits in US Dollars up to Worldwide Worldwide

Excl. Europe MENA

A- Medical Services

Medical expenses incurred during hospitalization 150,000 100,000 55,000 35,000

Emergency medical evacuation 1,000,000 1,000,000 1,000,000 1,000,000

Emergency medical repatriation 1,000,000 1,000,000 1,000,000 1,000,000

Transportation of mortal remains 1,000,000 1,000,000 1,000,000 1,000,000

Return of minor children 10,000 10,000 10,000 Nil

Compassionate visit 10,000 8,000 6,000 2,000

Convalescence expenses 1,000 1,000 1,000 500

Dental emergency due to accident 600 400 300 200

B- Medical Assistance

Telephone medical advice

Free service

Arrangement of hospital admission

Monitoring of medical condition during and after hospitalization

Medical translation service

Delivery of essential medicine

C- Travel Assistance

Luggage Loss 25/Kg up to 40Kg 20/Kg up to 40Kg 20/Kg up to 30Kg 15/Kg up to 20Kg

Luggage Delay( 12hrs) Up to 500 Up to 400 Up to 300 Up to 250

Trip Curtailment Up to 150

Trip Cancellation Up to 5,000 Up to 4,000 Up to 3,000 Up to 2,000

Emergency traveling service assistance

Free service Emergency interpreting assistance

Emergency document delivery

D- Personal Accident Common Carrier

Death due to accident 50,000 30,000 15,000 5,000

E- Personal Liability

Material Damage 25,000 20,000 15,000 5,000

Plan Zone of Cover

Plan Zone of Cover

Worldwide Worldwide

Worldwide Excl. Worldwide Excluding USA, Canada, Australia & Japan Europe Europe (Excluding Switzerland& UK)/ Schengen

MENA MENA Countries

Up To 70 Years US Dollars

Period up to Worldwide Worldwide Excl. Europe MENA 5 Days 24 16 14 10

7 Days 26 18 16 12

10 Days 27 21 19 14

15 Days 32 23 21 16

21 Days 37 30 25 19

32 Days 41 34 27 22

45 Days 51 45 42 35

62 Days 61 60 45 39

92 Days 90 82 55 48

184 Days 124 110 95 78

1 Year 320 210 176 140

1 Year (92 cumulative days) 182 138 121 92

2 Years (92 cumulative days) 390 276 242 184

Price above 70 years old Deductibles: Age 71 to 75 increase price by 50% x1.5 Age bracket Worldwide Worldwide Excl./ Europe/ MENA

Age 76 to 80 increase price by 100% x2 0 - 70 years $100 $100

Age 81 to 85 increase price by 300% x4 71 - 75 years $250 $250

76 - 80 years $3,000 $1,500

81- 85 years $5,000 $3,000

a- Maximum allowed stay outside country of residence: 92 days per trip b- Winter/Summer sports activities: load rates by 50% (allowed up to age 70 years only) c- Remove deductible: increase price by 15% (allowed up to age 70 years only) d- Child Discount: 50% discount (up to 16 years)


15

Motor All Risks Rates & Benefits I. Infinite Plan

Rates Vehicle Value

Year of manufacture $50,001 and above 2016 - 2018 2.90%

2008 - 2015 3.25%

2003 - 2007 3.75%

Minimum premium without agency repair Not applicable

Minimum premium with agency repair Not applicable

- These rates are applicable for private cars. Sports cars, special cars and Mercedes require referral - 3% extra commission for cars which value is more than $20,000. Applies to new business, the 1

st year only

- 2% extra commission on 4x4 cars with value exceeding $20,000. Applies to new business, the 1st

year only

Benefits

Dealer repair Available for 3 years

Bodily injury Covered up to $500,000

Third party material liability $1,000,000

Fire/ Total theft and holdup Covered with no deductible

Partial theft for internal parts Covered up to $2,000 with no deductible

Scratching and denting Covered excluding intentional acts

PA: death for drivers and passengers including family

$15,000 per person and $40,000 in the aggregate

PA: medical expense for drivers and passengers including family


Travel insurance (worldwide excluding USA, Canada, Australia & Japan)

Covers death abroad, and repatriation of mortal remains, up to $10,000 per year. Covers 24/7 help desk. Medical expenses covered up to 30,000 Euros

and up to 30 days per year.

Depreciation on spare parts for cars with dealer repair

No depreciation

Depreciation on spare parts for cars with no dealer repair

5% per year with a max of 50%

Airbag Unlimited

Road assistance Unlimited due to accidents and 3 times per year in case of mechanical or

electrical failure. Unlimited KMs per ride

Taxi in case of road assistance following accident covered once per year

Replacement car 7 days in the aggregate, starting the 1

st day of reparation, or $40 per

eligible day

Replacement car in case of total loss $450

Total loss Market value of the car will be paid

Registration fees in case of total loss An amount of 7.5% of the vehicle value will be paid

Litigation expense $5,000 per year

Strike riots and civil commotion Covered up to the market value of the car

Hail, storm, tempest and flood Covered up to the market value of the car

Cover while in custody of valet parking, car wash and car workshop

Covered

*For all products for more info download the full product through the link …


16

II. Elite Plan

Rates Vehicle Value

Year of manufacture $20,001 - $30,000 $30,001 - $50,000 2016 - 2018 3.50% 3.00%

2013 - 2015 3.75% 3.25%

2011 - 2012 3.75% 3.50%

2010 4.00% 3.95%

2008 - 2009 4.25% 3.95%

2006 - 2007 4.50% 4.25%

2003 - 2005 5.50% 4.50%

Minimum premium without agency repair Not applicable

Minimum premium with agency repair Not applicable

- These rates are applicable for private cars. Sports cars, special cars and Mercedes require referral - 3% extra commission for cars which value is more than $20,000. Applies to new business, the 1

st year only

- 2% extra commission on 4x4 cars with value exceeding $20,000. Applies to new business, the 1st

year only

Benefits Dealer repair Available for 3 years

Bodily injury Included in rates


Fire/ Total theft and holdup Covered with no deductible

Partial theft for internal parts Covered up to $2,000 with no deductible

Scratching and denting Not Covered

PA: death for drivers and passengers including family





Covers death abroad and repatriation of mortal remains, up to $10,000 per year. Covers 24/7 help desk. Medical expenses covered up to Euros 30,000

and up to 15 days per year.

Depreciation on spare parts for cars with dealer repair

No depreciation



Airbag Unlimited



Taxi in case of road assistance following accident covered once per year


th day of reparation, or $25 per

eligible day


Total loss Market value of the car will be paid, subject to 10% deductible

Registration fees in case of total loss An amount of 7.5% of the vehicle value will be paid

Litigation expense $5,000 per year

Strike riots and civil commotion Covered up to the market value of the car

Hail, storm, tempest and flood Covered up to the market value of the car

Cover while in custody of valet parking, car wash and car workshop

Covered



17

III. Regular Plan

Rates Vehicle Value: $12,001 - $20,000

Year of manufacture With Deductible Without Deductible 2016 - 2018 3.25% 3.80%

2013 - 2015 4.00% 4.50%

2011 - 2012 4.10% 4.70%

2008 - 2010 4.50% 5.15%

2006 - 2007 5.00% 5.65%

2003 - 2005 5.50% 6.00%

Minimum premium without agency repair $500 $580

Minimum premium with agency repair $650 $700

Deductible on product Mandatory $75 on eel Additional deductible if driver

<= 25 or car make <= 2007

No deductible Additional deductible if driver

<= 25 or car make <= 2007

- These rates are applicable for private cars. Sports cars, special cars and Mercedes require referral

Benefits Dealer repair Option available for brand new car only


Fire/ Total theft and holdup Covered, subject to 10% deductible

Partial theft for internal parts Covered up to $2,000 with a 10% deductible

PA: death for drivers and passengers including family $10,000 per person and $35,000 in the aggregate




Covers death abroad and repatriation of mortal remains, up to $5,000 per year. Covers 24/7 help desk. Medical expenses not covered.

Depreciation on spare parts for cars with dealer repair No depreciation



If used spare parts not available Not covered

Airbag Unlimited



Taxi in case of road assistance following accident Not covered


th day of reparation, or $25 per

eligible day



Strike riots and civil commotion Covered, up to $4,000 per year

Hail, storm, tempest and flood Covered, up to $4,000 per year

*Explain that we have 2 options for the regular plan: 1- with 75$ deductible on eel (each and every loss) 2- No deductible



18

IV. Basic Plan

Rates Vehicle Value: Up To $12,000

Year of Manufacture With Deductible Without Deductible 2016 - 2018 Minimum Premium Minimum Premium

2013 - 2015 4.50% Minimum Premium 2011 - 2012 4.60% Minimum Premium 2008 - 2010 5.00% 5.25%

2006 - 2007 (Renewal only, subject to underwriting) 5.50% 5.75%

2003 - 2005 (Renewal only, subject to underwriting) 6.00% 6.20%

Minimum premium without agency repair $500 $580

Minimum premium with agency repair $650 $700

Deductible on product Mandatory $100 on eel

Additional deductible if driver <= 25 or car make <= 2007

No deductible Additional deductible if driver

<= 25 or car make <= 2007

- These rates are applicable for private cars. Sports cars, special cars and Mercedes require referral

Benefits Dealer repair Option available for brand new car only

Third party material liability $500,000

Fire/ Total theft and holdup Covered, subject to 10% deductible

PA: death for drivers and passengers including family $5,000 per person and $25,000 in the aggregate




Covers death abroad and repatriation of mortal remains, up to $5,000 per year. Covers 24/7 help desk.

Depreciation on spare parts for cars with dealer repair No depreciation


5% per year with a maximum of 50%

Airbag Unlimited

Road assistance Unlimited due to accidents and 3 times per year in case of mechanical

or electrical failure. Unlimited KMs per ride



*Explain that we have 2 options for the regular plan: 1- with 75$ deductible on eel (each and every loss) 2- No deductible



19

Motor Total Loss Cover Private Vehicles Van, Buses &

Pick-ups Taxi Trucks

Rate 1.35% 1.80% 1.80% 2.25%

Rate (including Holdup) 1.65% 2.00% 2.00% 2.80%

Minimum Premium $250 $350 $300 $1,000

These rates are given to vehicles manufactured in 2002 or above

These rates exclude sports & special cars, for which referral to the company is required

Coverage and benefits:

For private vehicles:

Third party liability cover for material damage: up to $500,000

Third party liability cover for bodily injury: up to $500,000

Personal accident cover for the driver & passengers (family members):

$10,000 per claim in case of death

$2,500 per person for medical expenses

For commercial vehicles:

Third party liability cover for material damage: up to $100,000

Personal accidents cover for the driver only:

$5,000 per claim in case of death

$1,000 per person for medical expenses

Total loss coverage include: fire, total theft, holdup (if chosen), and own damage (if accident is

covered)

Indemnity for total loss shall apply only if the cost of repairs reaches or exceeds 65% of the market

value of the vehicle at the time of the accident

A deductible of 10% of the sum insured will be applied in case of total theft or total loss

Road assistance on private cars vans and taxi is granted (after 3 days from policy issuance) unlimited

due to accidents and 3 times per year in case of mechanical or electrical failure


20

Motor TPL Bodily & Material Damage Category Cover Limit Gross Premium Total Gross Premium

Private Cars Bodily Injury $500,000 $43.33 $100

Material Damage $100,000 $56.67

Bodily Injury $500,000 $43.33 $120


Motorcycle Bodily Injury $500,000 $26.67 $81.67


Third Party PRIVATE CARS cover includes: Parents passengers and driver:

Medical expenses : 100% coverage up to $1,000 per person 2nd class

Death or PTD : $3,000 per person

Road Assistance:

Unlimited due to accidents and 3 times per year in case of mechanical or electrical failure


21

Luxury Residence - Property All Risk LM7 Valuation & Pricing Luxury apartments Villas Construction value or landlord recourse Area in m

2 x $1,000 Area in m

2 x $1,500

Contents and decoration Equal to construction value Equal to construction value

Premium calculation* $2/ m2 $3/ m

2

Minimum premium $300 $450

*To increase the contents above construction value add $10 for each $10,000 worth of contents

Benefits Sub limits Deductibles Fire T.S.I.

N/A Neighbors recourse Up to construction S.I.

Complementary covers: removal of debris, demolition, architects and surveyors’ fees, fire department charges, accidental discharge of sprinklers, expediting expenses/extra charges for airfreight/overtime work

10% of T.S.I.

Loss of rent / loss of use 0.5% of construction S.I. per month for 6

months 1

st 3 days

Alternate accommodation deducted from the final amount of indemnity $5,000

Reconstitution of documents (e.g. passport, ID, property title, etc.) $2,000 N/A

Deletion of electrical clause (covering electrical device causing fire) $50,000

Electrical fluctuation (damage to electrical equipment) $5,000 $100 eel

Plate glass and mirrors $25,000 $ 50 eel

Accidental breakage $5,000 $500 eel

Impact of vehicle, animal/cattle belonging or not to the insured or his family members & servants or under his custody

Up to T.S.I.

N/A

Automatic capital addition clause 10% of T.S.I.

Automatic reinstatement clause subject to prorated premium T.S.I.

Small site of work / workmen clause 10% of T.S.I.

Relief of average clause 20%

Smoke damage Up to T.S.I.

Forest and bush fire Up to T.S.I.

Loss due to falling trees, and/or electrical poles $20,000 $100 eel

Landslide due to an insured peril 10% of T.S.I. 10% of loss min $250

Water damage

Bursting and overflowing of water tanks, pipes & apparatuses extended to cover overflowing of diesel tanks and sewage pipes

Contents value

10% of loss min $100

Cost of search of water damage loss $2,000

Rain water $10,000

Water damage liability towards neighbors $10,000

Natural perils: Earthquake, storm, tempest, flood, tsunami and landslide T.S.I. 1% of S.I.

SRCC: Strikes, Riots, Civil Commotion and Malicious damage $50,000 10% eel min $1,000

Burglary against forcible entry Contents value Nil

Hold up 25% of contents value

up to $50,000

N/A

Damage due to break in $5,000

Optional1: Cash in safe

20% of contents up to $50,000

Optional1: Jewelry in safe


Workmen Compensation up to 2 named workers // weekly indemnity $50 $5,000 as per decree law nᵒ136

Third Party Liability

Bodily injury $5,000

N/A Material damage $5,000

Maximum per claim and per period of insurance $25,000

Note: Fine arts and valuable items exceeding $10,000 should be specified and declared separately Contents will be considered on agreed value basis upon submission of a detailed list of items with their respective market prices

1 The jewelry and cash in safe cover extension are subject to sufficient security measures and a rate of 6‰ on the amount required


22

Commercial - Property All Risks LM7 Pricing Sum Insured (SI)* Category (A) Category (B) Premium**

Construction value or landlord recourse ……………………… 1.10‰ 1.25‰ ………………………

Contents and decoration ……………………… 1.10‰ 1.25‰ ………………………

* Total sum insured (T.S.I.) = Construction + Contents Sum Insured **Minimum premium is $250 for Category (A) and $300 for Category (B)



Complementary covers: removal of debris, demolition, architects and surveyors’ fees, fire department charges, accidental discharge of sprinklers, expediting expenses/extra charges for airfreight/overtime work

10% of T.S.I.

Loss of rent / loss of use (across 6 months) 10% of construction

value per month 1

st 3 days

Business interruption (across 6 months) Up to 10% of contents

value per month

Reconstitution of documents (e.g. data or accounting ledger reconstruction) $2,000 N/A


Plate glass and mirrors $25,000 $50 eel

Impact of vehicle, animal/ cattle Up to T.S.I.

N/A




Relief of average clause 20%

Smoke damage Up to T.S.I.

Water damage

Bursting and overflowing of water tanks, pipes & apparatuses Contents value

10% of loss min $100

Cost of search of water damage loss $2,000

Rain water $10,000


Natural perils: Earthquake, storm, tempest, flood, tsunami and landslide T.S.I. 1% of SI

SRCC: Strikes, Riots, Civil Commotion and Malicious damage $50,000 10% eel min $1,000

Machinery breakdown To be priced on case by case

Deterioration of stock To be priced on case by case

Burglary against forcible entry Contents value Nil


up to $50,000

N/A Damage due to break in $5,000

Optional1: Cash in safe, cash in transit & fidelity guarantee (employee

infidelity coverage) 20% of contents up to

$50,000





Note: Valuable items exceeding $10,000 should be specified and declared separately

List of eligible categories: (A): Pharmacies, beauty shops, cosmetics, clinics, churches, mosques, offices, retail shops, flower shops, juice shops, photo studio, home appliances shops, gift shops, toys, musical instruments, and the like (B): Restaurants, grocery, gallery/furniture showroom and the like

Refer to the Company:

If Total sum insured exceeds $2,000,000

If category of risk is not listed above

1 The cash in safe, cash in transit and fidelity covers extension are subject to an additional rate of 5‰ on the amount required


23

Apartments, Clinics & Offices - Fire & Allied Perils Valuation & Pricing Construction value or landlord recourse Area in m

2 x $750

Contents and decoration* Equal to 50% construction value

Premium calculation* $1.15/ m2

Minimum premium $200

*To increase the content value above 50% of construction value, add $5 for each $10,000 worth of contents * Total sum insured (T.S.I.) = Construction + Contents Sum Insured



Removal of debris 10% of T.S.I.

Loss of rent / loss of use 0.5% of construction S.I. per month for 6

months 1

st 3 days

Alternate accommodation deducted from the final amount of indemnity $5,000

Reconstitution of documents (e.g. Passport, ID, property title, etc.) $2,000 N/A


Plate glass $25,000 $50 eel

Impact of vehicle, animal/cattle belonging or not to the insured or his family members & servants or under his custody

Up to T.S.I.

N/A




Relief of average clause Up to 20%

Smoke damage 10% of contents S.I.

Forest and bush fire Up to T.S.I.

Water damage

Bursting and overflowing of water tanks, pipes & apparatuses 10% of contents S.I. 10% of loss min $100 Rain water 10% of contents S.I.

Water damage liability towards neighbors 5% of contents S.I.

Natural perils: Earthquake, storm, tempest, flood, tsunami and landslide T.S.I. 1% of S.I.

SRCC: Strikes, Riots, Civil Commotion and Malicious damage 25% of contents S.I. maximum $250,000

10% eel min $1,000

Burglary against forcible entry 25% of contents value Nil


up to $50,000

N/A

Damage due to break in $5,000

Optional1: Cash in safe


Optional1: Jewelry in safe






Note: Fine arts and valuable items exceeding $10,000 should be specified and declared separately

1 The jewelry and cash in safe cover extension are subject to sufficient security measures and a rate of 6‰ on the amount required


24

Commercial & Industrial Risk - Fire & Allied Perils Indicative table of rate (‰ of sum insured)

Category I Category II Category III

Covers A

(Limited risk) B

(Average risk) C

(Exposed risk) D

(Hazardous risk) E

(High risk)

Construction / Landlord recourse

0.50‰ 0.50‰ 0.50‰ 3.00‰ 6.00‰

Contents 1.00‰ 1.5‰ 2.00‰ 3.00‰ 6.00‰

Neighbors recourse 0.26‰ 0.26‰ 0.26‰ 3.00‰ 6.00‰

Loss of rent / loss of use 1.00‰ 1.35‰ 1.35‰ 3.00‰ 6.00‰

Business interruption 1.00‰ 1.35‰ 1.50‰ 3.00‰ 6.00‰

Earthquake 0.36‰ (construction + contents) included in the above rate

Storm, tempest, flood 0.17‰ (construction + contents)

Explosion, lightning, aircraft, vehicle impact, architect fees

Up to construction and contents S.I. / free of charge

Removal of debris Up to 10% of contents S.I. / free of charge 3.00‰ 6.00‰

Water damage1 2.50‰

Deletion of electrical clause Up to 10% of contents S.I. with a maximum of $50,000

Plate glass Up to 5% of contents S.I.

Reconstitution of files 2,000 2,000 2,000 2,000 2,000

Machinery breakdown Case by case

Deterioration of stock Case by case

MINIMUM PREMIUM $175 $175 $250 $300 $700

Burglary by forcible entry

On total value 2.95‰

On 1st

loss basis 3.75‰

Damage due to break in 3.75‰

Hold up 5.00‰

Cash in safe 5.00‰

Cash in transit 12.00‰

Fidelity guarantee 5.00‰

MINIMUM PREMIUM $75 $75 $75 $75 $75

Cost of policy: Add to the total premium $35

(A): Pharmacies, beauty shops, cosmetics, hospitals, clinics, hotels, schools, universities, gym and sporting clubs, churches, mosques, banks, offices, shoes shop, flower shops, juice shops, clothes shop, photo studio, home appliances shops, gift shops, toys, musical instruments, and the like

(B): Aluminum, cement plant, mechanical garage, restaurants, grocery, cars showroom, gallery/furniture showroom and the like (C): Warehouse of non-flammable goods, bakery and the like (D): Petrol station, upholstery, ironmongery, fabrics, textile, painting garage, printing press, night club, factory of leather, shoes,

bags and belt, carpets showroom, cinemas, theaters, and the like (E): Carpentry, painting manufactory, wood related risks, plastic manufactory, and the like

Deductibles:

For natural perils: 1% of total sum insured

For water damage: 10% of each loss with a minimum of $100

For plate glass: $50 of each loss

For loss of profit, loss of rent/loss of use: first 3 days of each loss

N.B.: (C), (D), and (E) and other not listed risks are subject to company’s consideration and approval Subject to the proposal form to be completed and signed and submitted to the insurance company for consideration and

approval prior to binding cover Excluding: fireworks, matches, explosives and ammunitions (manufacturing, processing, selling and warehouses), charcoal

factories, cotton-wool, rag (warehouse and factory), wool pulp factories, mining (over and underground) metallurgical plants, briquetting, drying food facilities, standing & growing crops, bush & forests, semi-conductor plants, bloodstock, poultry & livestock, toxic mold, overhead transmission and distribution lines, industrial all risks and any kind of energy risks, oil and petrochemical risks (except petrol and gas station risks)

1 Water Damage: Bursting of pipes & overflowing of water tanks, and rain damage


25

Common Parts of Residential Buildings Basis of Valuation for Fire & Allied Perils

Value / Sum Insured Premium Construction of building (approximately $750 x area in m2) ……………… Sum insured x 0.70‰ Contents of common parts 1 ……………… Sum insured x 1.30‰

Fire & Allied Perils Cover2 Limit Deductibles

Deletion of average clause up to 20% of T.S.I. NA

Neighbors 3, third parties and co-owners recourse up to 10% of T.S.I. NA Tenant recourse against owners and co-owners up to 10% of T.S.I. NA Removal of debris $100,000 NA Architects and surveyors fees up to $50,000 NA Deletion of electrical clause up to $50,000 NA Plate glass up to $50,000 $100 eel/ plate glass

Smoke damage $50,000 NA Plantations $20,000 NA Fire department charges, accidental discharge of sprinklers $50,000 NA Replacement / Reinstatement clause T.S.I. NA Small site of work / workmen clause $50,000 NA Waiver of subrogation clause T.S.I. NA Bursting and overflowing of water tanks, pipes & apparatuses extended to cover overflowing of diesel tanks & sewage pipes

$50,000 10% of

loss with min. $200

Research fees $5,000

Rain water $50,000


Earthquake, landslides, and tidal waves T.S.I. 1% of S.I. (construction &

contents) Storm, tempest, hurricane, flood, cyclone, tornado, hail, avalanches & tsunami

T.S.I.

Strikes Riots & Civil Commotion up to 25% of S.I. not exceeding $500,000 10% of loss with min. $1,000 Malicious damage $500,000

Workmen Compensation cover

One watchman having $450/month $100,000 As per decree No 136

WC Premium: $125

Third Party Liability cover

Bodily injury/ Material damage $50,000 $100 eel for material

damage Material damage and consequential non-material damage $50,000


TPL Premium $125

Special Conditions: Assured Owners and co-owners Syndicate of co-owners and/ or management committee The Assured are considered as third parties towards each other/ cross liability among all parties

1 Contents include furniture of the dependents at the service of the insured and generator if mentioned

2 Thunderbolt, explosion, vehicle impact and aircraft damage

3 Neighbors/ Third party/ co-owners recourse and liability: as owner, or co-owner, or tenant or occupant, including loss of rent or

loss of use towards neighbors, third party and co-owners resulting from a damage covered; as well as co-owners and visitors vehicles in the parking due to fire


26

Workmen Compensation - Corporate Nature of work & Class of business Annual salaries

in $ Rate

% of salary Minimum premium along with fire policy

Class A Nonhazardous occupation 10,000 - 50,000 1.20% $100 50,001 - 200,000 0.85%

200,000 & above 0.70%

Includes: Pharmacies, Beauty Shops, Shops, Dental Clinics, Hotels, Offices, Travel Agencies, Executives, Indoor Sales, Physicians, Lawyers, Bankers, Accountants, Clinics, Computer Stores, Gift Shops, Jewelry Shops, Libraries, Linen Stores, Schools

Class B Limited exposure to occupational hazard

10,000 - 50,000 1.65% $300 50,001 - 200,000 1.35%

200,000 & above 1.10%

Includes: Restaurant, Juice Shop, Flower Shop, Outdoor Sales, Gas Station, Driver, Hairdresser, Home Appliances, Photo Studios, Radio & TV Stations

Class C More exposure to occupational hazard

10,000 - 50,000 3.00% $400 50,001 - 200,000 2.75%

200,000 & above 2.50%

Includes: Industrial Workshop, Bakery, Mechanical Or Electrical Garage, Painting Garage, A/C Installation, Warehousing (Loading/Unloading), Printing, Laundry Shops, Sewing Factory, Tire Repair Shops

Class D Occupational hazards 10,000 - 50,000 5.00% $650

50,001 - 200,000 4.50%

200,000 & above 4.00%

Includes: Upholstery Workers, A/C Installation, Butchery

Class E: Carpentry, ironmongery, electricians, aluminum, and the like and Standalone WC policies Please refer to the company

N.B.: For nominated Driver, and concierge annual premium is $200 For policies including delivery men, add $100 per person and give plate number of the

delivery vehicle For calculation of premium, the salary should not be less than $450 A completed and signed proposal form to be submitted to the company This cover is as per Lebanese legislative law n◦: 136 of 16/9/1983 of the workmen

compensation The limit of cover is up to $25,000 per accident and $100,000 per policy period

Activities excluded

Agriculture, Farms, cleaning, sawmill of stones, municipality, glass factory, tractor's driver, security companies, air crews, ship crews, ship building & repairing, tobacco manufacturer

Pesticide/ herbicide/ fungicide/ fertilizer and tobacco manufacturer Manufacture &/ or supply &/ or production, storage, filling, breaking down or transport of:

fireworks, ammunition, cartridges, or any explosives


27

Workmen & Public Liability - Construction Sites Area in square meters $ per m2 / year Period Remarks

Less than 1,000 m2 $1.00 12 months Period of insurance above 12

months is available when

combined with C.A.R or else

refer to the company

From 1,000 up to 2,500m2 $0.85 12 months

From 2,501 m2 and above $0.75 12 months

N.B.: Minimum premium: $500 (applicable on internal works e.g. Decoration)

Minimum premium: $750 (applicable for the use of scaffolding and external works)

Copy of the construction permit and a completed proposal form describing method of

construction are required

Weekends, public holidays, and night works are covered

This cover is as per Lebanese legislative law n◦: 136 of 16/9/1983 of the workmen compensation

The limit of cover is up to $25,000 per accident and $100,000 per policy period Type of excluded works:

Several unidentified sites of work in one policy

Swing technique

Excavation works and demolition on standalone basis

RCC - PUBLIC LIABILITY CONSTRUCTION

Covers Limit of cover

Option I Option II Bodily injury per case $5,000 $10,000

Material damage per case $5,000 $10,000

Max. per claim / aggregate $10,000 $25,000

Annual premium $250 $400

Exclusions: Excluding professional liability

Excluding landslides and natural perils


28

Pleasure Boats Option I: Third Party Liability (for material damage and bodily injury)

Aggregate Limit $15,000 $25,000 $50,000

Premium $150 $175 $250

Option II: All Risks

Value of the yacht Year of built All risks All risks, War, & SRCC $150,000 & above 2011 - 2017 0.90% 1.00%

2003 - 2010 1.25% 1.35%

Under 2003 Case by case Case by case

Under $150,000 Any Case by case Case by case

Covers: Under Option II

Hull machinery, materials, equipment, engines, gear and everything connected therewith

Third party liability and passengers legal liability up to the yacht value anyone accident or

occurrence and in the annual aggregate in respect of bodily injury and property damage

and not exceeding $500,000 unless otherwise agreed

Third Party Liability including liability to water skiers up to $100,000 per skier any one

occurrence

Institute Yacht clause “Cl.328 dated 1/11/1985”

Institute Yacht clause – personal effects clause “Cl.331 dated 1/11/1985 to cover up to

$10,000 but with a limit in respect of any single valued at $1,000 – (Exclusions: money,

values, credit cards, jewelry and “Objets d’art”)

Speed Boat clause Cl. 333

Subject to laid up period from 30/11 until 01/04

Cruising limits: Mediterranean Sea, Red sea, and Arabian Gulf

Deductibles:

- 0.50% of the yacht value with a min. of $1,000 on own damage for each & every claim

- 10.0% in case of total loss or theft

Conditions and subjectivities:

Option II is subject to a prior approval of reinsurers

The cover mentioned above excludes rented out boats

This offer is subject to:

receipt of proposal form duly completed

receipt of copy of the skipper’s license

clean loss record


29

Marine Benefits & Rates INDICATIVE TABLE OF RATE FOR SINGLE SHIPMENT

Type of Risk Cover

Air A Truck A Sea A Sea B Sea C I General Containerized Cargo (Non-

Breakable, non-valuable, nonhazardous and nonperishable items

0.35 0.35 0.35 0.25 0.15

II Hazardous 0.60 0.60 0.60 0.25 0.15

III Perishables 0.75 0.75 0.75 0.25 0.15

IV Breakables 0.75 0.75 0.75 0.25 0.15

V Household, second hand and/or used items - - - 0.25 0.15

N.B: Type of Risk II, III, IV & V are always subject to prior approval on case by case basis For Export Transaction: Same rate for all Type of Risk except for II, III, IV & V the risk ceases after

discharge of goods at port/airport unless agreed differently on case by case basis Minimum premium:

Type of Risk I: $50 - $75 Type of Risk II, III, IV & V: $150 - $200

Deductibles: Type of Risk I: Nil Type of Risk II & III: 0.50% deductible out of T.S.I Type of Risk IV & V: 1.00% of T.S.I with a minimum of $250

Conditions & Warranties:

SS/subject to classification cl. DD 1.109 Warranted shipped under deck unless shipped in container on a specialized container vessel Cargo "I.S.M." endorsement DD 1/7/98 Institute Radio Active contamination exclusion Cl 356 Subject to “Liability of carriers, Bailees or other third parties cl. Warranted that goods are safe and clean at time if acceptance Warranted professionally packed Warranted goods shipped under unclaused Bill of lading/Airway Bill Warranted road conveyance is clean, suitable and fit and insured cargo thereon adequately lashed,

well covered by waterproof cover and secured for the intended transit Warranted shipped in containers for sea shipments & palletized for air shipments

Exclusions:

Mechanical, Electrical and Electronic derangement unless caused by a peril insured against Mold, mildew and infestation damage, howsoever caused Chipping, scratching, denting, bending and twisting as well as damage to paint and polish work Rust, oxidation, discoloration Blowing up of tins – canned items Heating, Caking, Sweating, lumping and Staining Losses due to any change in temperatures Political & War risks unless if agreed differently & subject to additional premium Rejection Risks Third Party Liability risk


30

Contractors’ All Risk Please refer to Company for more information (Benefits and Rates)


31

Securite Assurance PRO - Mobile APP You may download the Securite Assurance PRO APP dedicated to brokers and make it your preferred tool. The following list of things can be done via this app: Price policies taking into account all factors that influence prices (e.g. age &

class for medical, car value & year of make for motor all risk) Submit applications Check your production by month Check your total production and total commission by line of business Check your renewals and tick policies you want to renew Declare a claim (you can also use voice notes) Check claims by month Check the largest claims in your portfolio Check your loss ratio by line of business Check your dues and statement of account

Available on: App Store and Google play

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