Frequently Asked Questions
Travel
Traveller

A completed claim form, along with required supporting documents, should be submitted within the notification period to the office or address listed in your policy. In general, written notice of claim should be provided to us within thirty (30) days of any event claimable or likely to be claimable under the terms of your policy, or as soon as is reasonably possible. Please note that different policies have different notification periods. Documents required may also vary according to your type of claim.


Your completed claim form, along with all relevant supporting documents, can be submitted to our Claims Department by mail or in person. It can also be submitted via fax, if an original is not required. Forte Insurance (Cambodia) Plc Claims Department Phnom Penh Vattanac Capital, Level 18, No.66 Monivong Blvd, Sangkat Wat Phnom, Khan Daun Penh, Phnom Penh City, Kingdom of Cambodia. Tel: (+855) 23 885 077 / 066 Email: info@forteinsurance.com


Please refer to the list of documents required.


Please call your account handler from Monday-Friday 8:00am to 5:30pm or call/email our office: Phnom Penh Tel: (855) 023 885 066 / 077 Email: claims@forteinsurance.com Siem Reap Tel: (855) 063 963 355 Email: srp@forteinsurance.com

This may result in your claim processing being delayed as additional time is required for us to obtain the requisite documents. In some situations, if you are unable to provide the required documents, we may be unable to complete processing your claim.

You can send the supporting documents to us in the same way you submitted the original claim. To expedite the processing of these additional documents, please clearly write our claim reference number at the top of the first page.

Generally speaking, original receipts and supporting documents are required to process Travel and Accident & Healthcare claims. However, this depends on the nature of the claim and supporting documents.

Please call SOS 24-hour hotline at (66) 2 205-7776


Always submit your travel insurance certificate. Supporting documents depend on the type of claim you make. If it’s a claim under an annual travel policy, proof of trip duration and destination is required. If it’s a claim under a corporate travel policy, proof of the nature of the trip, destination and its duration (from your company) is required.

You should submit the tour package receipt indicating that travel insurance has been purchased. This can be submitted in place of a travel insurance certificate.


Depreciation is applied when calculating the amount of loss or damage to personal belongings. Relevant rates will vary according to a number of variables, including the nature of the claimed item, its age and whether purchase receipts have been supplied.


Savings and Protection
Forte Life Protect

No. All fees, charges, and taxes are included in the policy premium. There are no additional charges.


Importance of disclosure: You must disclose all material facts (e.g., age, medical condition) correctly. Free-look period: You may cancel the policy by returning the policy within fifteen (15) days from its delivery, if you find that the coverage does not meet your intended purpose. You will be refunded the premium paid less any medical fees. Guaranteed Maturity Benefit is equivalent to Guaranteed Sum Assured and shall be payable at the end of the policy term. Guaranteed Special Benefit is a one-time benefit payable at the end of the policy term. It is awarded should you succeed in keeping the policy for the entire duration. It is also paid to augment the potential return of the policy at the end of the contract period.


You can cancel your policy by giving written notice to Forte Life Assurance (Cambodia) Plc. However, keep in mind that Forte Life insurance is a long-term financial commitment that will benefit your family and loved ones, therefore, we encourage you to consider your options carefully before canceling the policy.


Contact Forte Life Assurance (Cambodia) Plc if there are any changes to your details, particularly your mobile phone and email details, to ensure all correspondence reaches you on time.


Forte Life Education

No. All fees, charges, and taxes are computed into the Policy life insurance premium. There are no additional payments required from the policyowner.


Importance of disclosure – you must disclose all material facts such as medical conditions, and state your age correctly. Free-look period – You can cancel the Policy by returning the Policy within fifteen (15) days from the date of delivery of the Policy if the coverage does not meet your needs. The premium that you have paid (less any medical fee incurred) will be refunded to you. The Policy does not have any Cash Value on cancellation for the first 2 years. If you cancel your Policy in the early years, you will get back less than the amount you have paid in. Best to set the premium payable at an amount that you can afford for the whole duration of the contract. Please read the sales illustration provided by the insurance consultant for a better understanding of the product All proposals are subject to underwriting approval.


You can cancel your policy by giving a written notice to Forte Life Assurance (Cambodia) Plc. However, keep in mind that Forte Life insurance is a long-term financial commitment that will benefit your family and loved ones, therefore, we encourage you to consider your options carefully before canceling the policy. If you do not pay your premium within the grace period, your Policy will lapse unless your Policy already acquired sufficient Cash Value to offset the premium payment and keep the Policy in force till the Cash Value is exhausted.


Contact Forte Life Assurance (Cambodia) Plc if there are any changes to your details, particularly your mobile phone and email details, to ensure all correspondence reaches you on time.


Auto
Automobile insurance

Forte's auto 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 traveling 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.


Third Party Liability protects you when 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 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, strikes, riots, civil commotions and even flood damage.

If you are involved in traffic accident, please call to our 24-hot line 023 888 080. 24-Hour claim service: Forte’s RED Team (Rapid Emergency Dispatch) is on standby to help you and mediate on accident-related legal and financial disputes. We guarantee to reach you as soon as possible if you are within the city limits of Phnom Penh, Siem Reap, Battambang, Sihanuk Ville, Kampong Speu and Kampong Cham.


Construction
Boiler and Pressure Vessel Insurance
As our machinery breakdown cover is offered in conjunction with property insurance, you should provide both property and machinery breakdown policy numbers on your claim form. We will advise you on damage covered by the property policy and the damage covered by the machinery breakdown policy.

Subject to policy terms and conditions, the damaged machine may be covered by the machinery breakdown policy.

Yes. Our claims professionals and representatives will help you assess the required repairs and repair estimates.

These costs are covered provided that they have received our prior approval and have been included in the sum insured.

Usually, loss or damage caused by wear and tear is excluded.

Contractors' All Risks/Erection All Risks
You should contact your agent, broker or us as soon as possible. We will provide immediate assistance.

It is not necessary if the loss is confirmed below your deductible. If you are unsure of the final loss amount or deductible amount, we recommend that you contact your agent, broker or call us for guidance.

Section 2 of a standard Contractors' All Risks policy covers your legal liability for third party bodily injury and property damage. We recommend that you report all accidents involving injuries to us, even if the injury appears to be minor.

You may ask the passenger to send you a claim letter with attached medical receipts and advise him that his claim will be sent to us for handling. We or our representatives will contact him regarding his claim. It is important that the claimant's letter includes his contact details, such as address and telephone number. Your policy requires that you do not admit liability or offer any settlement without our prior consent or the consent of our representatives. Do not pay the passenger unless we or our representatives have instructed you to do so.

Yes, there is. Your policy document contains this information. We recommend that you submit all claim documents as soon as they become available. The earlier you submit the required documents, the sooner your claim is handled.

Financial Protection
Directors and Officers Liability Protection
Report the claim or the relevant circumstances to us as soon as possible. Please refer to the notification procedures for further details.

Written notification should be sent to us at the following address or fax number: Forte Insurance (Cambodia) Plc Claims Department Phnom Penh 325 Mao Tse Toung Blvd., Phnom Penh, Cambodia Tel: (855) 023 885 066 / 077 Fax: (855) 023 986 922 / 882 798 Email: claims@forteinsurance.com Siem Reap Mondul Stat Chas, Sangkat Svaydangkum Krong Siem Reap, Siem Reap Province Tel: (855) 063 963 355 Fax: (855) 063 963 610 Email: srp@forteinsurance.com

Please refer to the list of required documents.

On receipt of your written notification, we will send you a written acknowledgment. If you do not receive it, please contact us.

You have the duty to defend the claim. This responsibility includes, but is not limited to, retaining legal representatives to advise you on the defense.

Prior written consent is required from us before you incur any defense costs. You should provide us with the attorney's curriculum vitae (CV), hourly rates and budgeted costs for handling the claim.

Reasonable and necessary defense costs will be advanced according to the terms and conditions of the policy. Copies of the relevant invoices and detailed narratives should be provided to us for our consideration and assessment.

You should not admit liability, enter into any settlement or incur any costs without our prior written consent.

Professional Indemnity
Report the claim or the relevant circumstances to us as soon as possible. Please refer to the notification procedures for further details.

Written notification should be sent to us at the following address or fax number: Forte Insurance (Cambodia) Plc Claims Department Phnom Penh 325 Mao Tse Toung Blvd., Phnom Penh, Cambodia Tel: (855) 023 885 066 / 077 Fax: (855) 023 986 922 / 882 798 Email: claims@forteinsurance.com Siem Reap Mondul Stat Chas, Sangkat Svaydangkum Krong Siem Reap, Siem Reap Province Tel: (855) 063 963 355 Fax: (855) 063 963 610 Email: srp@forteinsurance.com

Please refer to the list of required documents

On receipt of your written notification, we will send you a written acknowledgment. If you do not receive it, please contact us.

You have the duty to defend the claim. This responsibility includes, but is not limited to, retaining legal representatives to advise you on the defense.

Prior written consent is required from us before you incur any defense costs. You should provide us with the attorney's curriculum vitae (CV), hourly rates and budgeted costs for handling the claim.

Reasonable and necessary defense costs will be reimbursed according to the terms and conditions of the policy. Copies of the relevant invoices and detailed narratives should be provided to us for our consideration and assessment.

You should not admit liability, enter into any settlement or incur any costs without our prior written consent.

Property
Electronic Equipment All Risks Insurance
You must notify us of any potential claim within fourteen (14) days from the date of the accident.

We recommend that you notify us of all events, regardless of the amount of loss. This protects your right to lodge a claim under the policy should it later become necessary. If the loss is confirmed to be below the deductible, submission of further documentation to us is optional.

We require a letter from an authorized dealer confirming that the damaged equipment is beyond repair due to being a total loss or lack of parts.

You can replace the lost equipment with a newer or more advanced model. Our settlement, however, is based only on the model and specifications of the lost equipment. The cost of upgrading the equipment is not recoverable. For more details, please refer to the ‘Basis of Settlement’ clause in your policy.

Prior approval is not required, and it will not prejudice your right of claim. Our settlement, however, is based only on the model and specifications of the lost equipment. The cost of upgrading the equipment is not recoverable.

Fire and Perils
You are recommended to call or email your agent, broker or us in order to receive immediate assistance.

In order to protect your right to a claim, you should notify us of all events. If the loss amount is subsequently found to be below the deductible, you may withdraw the claim.

In general, all claim documents must be submitted within thirty (30) days of the accident. There are exceptions, however. Please consult your policy document for details.

Yes. Our claims professionals or representatives will help you assess the required repairs and the reasonableness of repair estimates.

You can make emergency repairs provided that the emergency is proven. Such costs are recoverable subject to the terms of your policy.

Logistics and Transport
Marine Cargo
A cargo survey is only necessary when a potential insurance loss exceeds US$1,000. When a potential insurance loss is less than US$1,000, there is no need for cargo survey. In any case, take photographs showing the cargo damage and indicate any damage or likely damage on the cargo receipt before signing it.

We cover transit risks for your shipment, but are not the liable party for any damage to your cargo. In order to preserve your right of recovery, as the owner of the cargo you have an obligation to report any damage or likely damage of the shipment in writing to the carrier or forwarder. This is a requirement of your policy.

You should report any cargo damage or suspected damage to us as soon as possible. In some circumstances, an early claim report may help minimize the amount of loss. However, you must make a claim notification in writing within three (3) days of receipt of cargo if your carrier is a sea carrier, or fourteen (14) days if it is an airline or air carrier.

You can dispose of the damaged cargo as you think appropriate. However, please keep full records of the damaged cargo disposal (both photographs and documents) as evidence.

Anybody i.e. broker/agent/shipper/consignee, but if the insurance payment is to be issued to another party with no insurable interest, the party having interest should provide written authorization.

Employee Benefits
Group Term Life Assurance
The plan is provided for a minimum of 10 employees. You and your team can choose from different types of coverage: Death due to all causes Death due to natural causes or illness only Accelerated Total and Permanent Disability Benefit (TPD)

Additional accidental death benefit (ADB) Accelerated additional partial and permanent disability benefit (PPD)

This is a compulsory participation plan open to all full-time and active working corporate employees. Minimum age of entry – 18 years old Maximum age of entry – 65 years old

Comprehensive Group Care
No. All fees, charges, and taxes are included in the policy premium. There are no additional charges.

Importance of disclosure: Participating members must disclose all material facts (e.g., age, medical condition) correctly. Free-look period: Participating members may cancel the policy by returning the policy within fifteen (15) days from its delivery if they find that the coverage does not meet their intended purpose. They will be refunded the premium paid less any medical fees. The Accumulated Cash Benefits (ACB) balance at any one year will depend on the participating member's age risk charge, applicable insurance expense, and the annual dividend rate declared by the company yearly. If the participating member cancels their plan before they reach the age of 60, or resign from their company or association, the ACB balance will be refunded to the participating member. But, no ACB will be refunded for the first 12 months from the effective date as stated in the certificate of insurance. Discuss with our team to select a plan that will best serve your team's needs and to ensure that the premium payable under this product is an amount participating members can maintain for the whole duration of the contract. All proposals are subject to underwriting approval.

Individuals & Families
Traveller
Traveller

A completed claim form, along with required supporting documents, should be submitted within the notification period to the office or address listed in your policy. In general, written notice of claim should be provided to us within thirty (30) days of any event claimable or likely to be claimable under the terms of your policy, or as soon as is reasonably possible. Please note that different policies have different notification periods. Documents required may also vary according to your type of claim.


Your completed claim form, along with all relevant supporting documents, can be submitted to our Claims Department by mail or in person. It can also be submitted via fax, if an original is not required. Forte Insurance (Cambodia) Plc Claims Department Phnom Penh Vattanac Capital, Level 18, No.66 Monivong Blvd, Sangkat Wat Phnom, Khan Daun Penh, Phnom Penh City, Kingdom of Cambodia. Tel: (+855) 23 885 077 / 066 Email: info@forteinsurance.com


Please refer to the list of documents required.


Please call your account handler from Monday-Friday 8:00am to 5:30pm or call/email our office: Phnom Penh Tel: (855) 023 885 066 / 077 Email: claims@forteinsurance.com Siem Reap Tel: (855) 063 963 355 Email: srp@forteinsurance.com

This may result in your claim processing being delayed as additional time is required for us to obtain the requisite documents. In some situations, if you are unable to provide the required documents, we may be unable to complete processing your claim.

You can send the supporting documents to us in the same way you submitted the original claim. To expedite the processing of these additional documents, please clearly write our claim reference number at the top of the first page.

Generally speaking, original receipts and supporting documents are required to process Travel and Accident & Healthcare claims. However, this depends on the nature of the claim and supporting documents.

Please call SOS 24-hour hotline at (66) 2 205-7776


Always submit your travel insurance certificate. Supporting documents depend on the type of claim you make. If it’s a claim under an annual travel policy, proof of trip duration and destination is required. If it’s a claim under a corporate travel policy, proof of the nature of the trip, destination and its duration (from your company) is required.

You should submit the tour package receipt indicating that travel insurance has been purchased. This can be submitted in place of a travel insurance certificate.


Depreciation is applied when calculating the amount of loss or damage to personal belongings. Relevant rates will vary according to a number of variables, including the nature of the claimed item, its age and whether purchase receipts have been supplied.


Forte Life Protect
Forte Life Protect

No. All fees, charges, and taxes are included in the policy premium. There are no additional charges.


Importance of disclosure: You must disclose all material facts (e.g., age, medical condition) correctly. Free-look period: You may cancel the policy by returning the policy within fifteen (15) days from its delivery, if you find that the coverage does not meet your intended purpose. You will be refunded the premium paid less any medical fees. Guaranteed Maturity Benefit is equivalent to Guaranteed Sum Assured and shall be payable at the end of the policy term. Guaranteed Special Benefit is a one-time benefit payable at the end of the policy term. It is awarded should you succeed in keeping the policy for the entire duration. It is also paid to augment the potential return of the policy at the end of the contract period.


You can cancel your policy by giving written notice to Forte Life Assurance (Cambodia) Plc. However, keep in mind that Forte Life insurance is a long-term financial commitment that will benefit your family and loved ones, therefore, we encourage you to consider your options carefully before canceling the policy.


Contact Forte Life Assurance (Cambodia) Plc if there are any changes to your details, particularly your mobile phone and email details, to ensure all correspondence reaches you on time.


Forte Life Education
Forte Life Education

No. All fees, charges, and taxes are computed into the Policy life insurance premium. There are no additional payments required from the policyowner.


Importance of disclosure – you must disclose all material facts such as medical conditions, and state your age correctly. Free-look period – You can cancel the Policy by returning the Policy within fifteen (15) days from the date of delivery of the Policy if the coverage does not meet your needs. The premium that you have paid (less any medical fee incurred) will be refunded to you. The Policy does not have any Cash Value on cancellation for the first 2 years. If you cancel your Policy in the early years, you will get back less than the amount you have paid in. Best to set the premium payable at an amount that you can afford for the whole duration of the contract. Please read the sales illustration provided by the insurance consultant for a better understanding of the product All proposals are subject to underwriting approval.


You can cancel your policy by giving a written notice to Forte Life Assurance (Cambodia) Plc. However, keep in mind that Forte Life insurance is a long-term financial commitment that will benefit your family and loved ones, therefore, we encourage you to consider your options carefully before canceling the policy. If you do not pay your premium within the grace period, your Policy will lapse unless your Policy already acquired sufficient Cash Value to offset the premium payment and keep the Policy in force till the Cash Value is exhausted.


Contact Forte Life Assurance (Cambodia) Plc if there are any changes to your details, particularly your mobile phone and email details, to ensure all correspondence reaches you on time.


Automobile insurance
Automobile insurance

Forte's auto 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 traveling 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.


Third Party Liability protects you when 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 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, strikes, riots, civil commotions and even flood damage.

If you are involved in traffic accident, please call to our 24-hot line 023 888 080. 24-Hour claim service: Forte’s RED Team (Rapid Emergency Dispatch) is on standby to help you and mediate on accident-related legal and financial disputes. We guarantee to reach you as soon as possible if you are within the city limits of Phnom Penh, Siem Reap, Battambang, Sihanuk Ville, Kampong Speu and Kampong Cham.


Business
Boiler and Pressure Vessel Insurance
Boiler and Pressure Vessel Insurance
As our machinery breakdown cover is offered in conjunction with property insurance, you should provide both property and machinery breakdown policy numbers on your claim form. We will advise you on damage covered by the property policy and the damage covered by the machinery breakdown policy.

Subject to policy terms and conditions, the damaged machine may be covered by the machinery breakdown policy.

Yes. Our claims professionals and representatives will help you assess the required repairs and repair estimates.

These costs are covered provided that they have received our prior approval and have been included in the sum insured.

Usually, loss or damage caused by wear and tear is excluded.

Contractors' All Risks/Erection All Risks
Contractors' All Risks/Erection All Risks
You should contact your agent, broker or us as soon as possible. We will provide immediate assistance.

It is not necessary if the loss is confirmed below your deductible. If you are unsure of the final loss amount or deductible amount, we recommend that you contact your agent, broker or call us for guidance.

Section 2 of a standard Contractors' All Risks policy covers your legal liability for third party bodily injury and property damage. We recommend that you report all accidents involving injuries to us, even if the injury appears to be minor.

You may ask the passenger to send you a claim letter with attached medical receipts and advise him that his claim will be sent to us for handling. We or our representatives will contact him regarding his claim. It is important that the claimant's letter includes his contact details, such as address and telephone number. Your policy requires that you do not admit liability or offer any settlement without our prior consent or the consent of our representatives. Do not pay the passenger unless we or our representatives have instructed you to do so.

Yes, there is. Your policy document contains this information. We recommend that you submit all claim documents as soon as they become available. The earlier you submit the required documents, the sooner your claim is handled.

Directors and Officers Liability Protection
Directors and Officers Liability Protection
Report the claim or the relevant circumstances to us as soon as possible. Please refer to the notification procedures for further details.

Written notification should be sent to us at the following address or fax number: Forte Insurance (Cambodia) Plc Claims Department Phnom Penh 325 Mao Tse Toung Blvd., Phnom Penh, Cambodia Tel: (855) 023 885 066 / 077 Fax: (855) 023 986 922 / 882 798 Email: claims@forteinsurance.com Siem Reap Mondul Stat Chas, Sangkat Svaydangkum Krong Siem Reap, Siem Reap Province Tel: (855) 063 963 355 Fax: (855) 063 963 610 Email: srp@forteinsurance.com

Please refer to the list of required documents.

On receipt of your written notification, we will send you a written acknowledgment. If you do not receive it, please contact us.

You have the duty to defend the claim. This responsibility includes, but is not limited to, retaining legal representatives to advise you on the defense.

Prior written consent is required from us before you incur any defense costs. You should provide us with the attorney's curriculum vitae (CV), hourly rates and budgeted costs for handling the claim.

Reasonable and necessary defense costs will be advanced according to the terms and conditions of the policy. Copies of the relevant invoices and detailed narratives should be provided to us for our consideration and assessment.

You should not admit liability, enter into any settlement or incur any costs without our prior written consent.

Professional Indemnity
Professional Indemnity
Report the claim or the relevant circumstances to us as soon as possible. Please refer to the notification procedures for further details.

Written notification should be sent to us at the following address or fax number: Forte Insurance (Cambodia) Plc Claims Department Phnom Penh 325 Mao Tse Toung Blvd., Phnom Penh, Cambodia Tel: (855) 023 885 066 / 077 Fax: (855) 023 986 922 / 882 798 Email: claims@forteinsurance.com Siem Reap Mondul Stat Chas, Sangkat Svaydangkum Krong Siem Reap, Siem Reap Province Tel: (855) 063 963 355 Fax: (855) 063 963 610 Email: srp@forteinsurance.com

Please refer to the list of required documents

On receipt of your written notification, we will send you a written acknowledgment. If you do not receive it, please contact us.

You have the duty to defend the claim. This responsibility includes, but is not limited to, retaining legal representatives to advise you on the defense.

Prior written consent is required from us before you incur any defense costs. You should provide us with the attorney's curriculum vitae (CV), hourly rates and budgeted costs for handling the claim.

Reasonable and necessary defense costs will be reimbursed according to the terms and conditions of the policy. Copies of the relevant invoices and detailed narratives should be provided to us for our consideration and assessment.

You should not admit liability, enter into any settlement or incur any costs without our prior written consent.

Electronic Equipment All Risks Insurance
Electronic Equipment All Risks Insurance
You must notify us of any potential claim within fourteen (14) days from the date of the accident.

We recommend that you notify us of all events, regardless of the amount of loss. This protects your right to lodge a claim under the policy should it later become necessary. If the loss is confirmed to be below the deductible, submission of further documentation to us is optional.

We require a letter from an authorized dealer confirming that the damaged equipment is beyond repair due to being a total loss or lack of parts.

You can replace the lost equipment with a newer or more advanced model. Our settlement, however, is based only on the model and specifications of the lost equipment. The cost of upgrading the equipment is not recoverable. For more details, please refer to the ‘Basis of Settlement’ clause in your policy.

Prior approval is not required, and it will not prejudice your right of claim. Our settlement, however, is based only on the model and specifications of the lost equipment. The cost of upgrading the equipment is not recoverable.

Fire and Perils
Fire and Perils
You are recommended to call or email your agent, broker or us in order to receive immediate assistance.

In order to protect your right to a claim, you should notify us of all events. If the loss amount is subsequently found to be below the deductible, you may withdraw the claim.

In general, all claim documents must be submitted within thirty (30) days of the accident. There are exceptions, however. Please consult your policy document for details.

Yes. Our claims professionals or representatives will help you assess the required repairs and the reasonableness of repair estimates.

You can make emergency repairs provided that the emergency is proven. Such costs are recoverable subject to the terms of your policy.

Marine Cargo
Marine Cargo
A cargo survey is only necessary when a potential insurance loss exceeds US$1,000. When a potential insurance loss is less than US$1,000, there is no need for cargo survey. In any case, take photographs showing the cargo damage and indicate any damage or likely damage on the cargo receipt before signing it.

We cover transit risks for your shipment, but are not the liable party for any damage to your cargo. In order to preserve your right of recovery, as the owner of the cargo you have an obligation to report any damage or likely damage of the shipment in writing to the carrier or forwarder. This is a requirement of your policy.

You should report any cargo damage or suspected damage to us as soon as possible. In some circumstances, an early claim report may help minimize the amount of loss. However, you must make a claim notification in writing within three (3) days of receipt of cargo if your carrier is a sea carrier, or fourteen (14) days if it is an airline or air carrier.

You can dispose of the damaged cargo as you think appropriate. However, please keep full records of the damaged cargo disposal (both photographs and documents) as evidence.

Anybody i.e. broker/agent/shipper/consignee, but if the insurance payment is to be issued to another party with no insurable interest, the party having interest should provide written authorization.

Group Term Life Assurance
Group Term Life Assurance
The plan is provided for a minimum of 10 employees. You and your team can choose from different types of coverage: Death due to all causes Death due to natural causes or illness only Accelerated Total and Permanent Disability Benefit (TPD)

Additional accidental death benefit (ADB) Accelerated additional partial and permanent disability benefit (PPD)

This is a compulsory participation plan open to all full-time and active working corporate employees. Minimum age of entry – 18 years old Maximum age of entry – 65 years old

Comprehensive Group Care
Comprehensive Group Care
No. All fees, charges, and taxes are included in the policy premium. There are no additional charges.

Importance of disclosure: Participating members must disclose all material facts (e.g., age, medical condition) correctly. Free-look period: Participating members may cancel the policy by returning the policy within fifteen (15) days from its delivery if they find that the coverage does not meet their intended purpose. They will be refunded the premium paid less any medical fees. The Accumulated Cash Benefits (ACB) balance at any one year will depend on the participating member's age risk charge, applicable insurance expense, and the annual dividend rate declared by the company yearly. If the participating member cancels their plan before they reach the age of 60, or resign from their company or association, the ACB balance will be refunded to the participating member. But, no ACB will be refunded for the first 12 months from the effective date as stated in the certificate of insurance. Discuss with our team to select a plan that will best serve your team's needs and to ensure that the premium payable under this product is an amount participating members can maintain for the whole duration of the contract. All proposals are subject to underwriting approval.