|Under this insurance policy, electronic equipments such as computers, printers, fax machines, photo copying machines , air conditioners can be insured against perils such as fire, lightning, natural disasters and risks arising by speculating electrical supply and theft. This insurance cover can be availed for electronic equipments in offices, shops and private dwelling houses.|
For business premises this Fire insurance cover can be bought in respect of losses against fire and lightning , malicious damages, explosions, impact damages and natural disasters for buildings and contents of banks, offices, shops, retail shops, grinding mills, super markets, wholesale stock of shops, bulk stocks of raw material, wholesale goods, stocks in wholesale stores and machinery.
|Private Dwelling Houses
Under this cover insurance protection could be sought for building and contents of private dwelling houses against perils such as fire, lightning, malicious damages, explosions, impact damages and natural disasters.
|This is a personal accident insurance cover. Any individual who suffer death, total disability, permanent total disability, permanent partial disability or temporary disability can claim under this cover. Persons whose ages are between 18-70 years can buy this policy.|
|Under this insurance cover which is meant for ladies age between 18 - 60 years. If the insured or her spouse dies as a result of an accident, compensation to the tune of Rs150,000 will be payable. Furthermore dwelling home cover of 50,000 against fire and natural perils, and in the case of displacement Rs.5000 is payable. If the lady or her spouse or child aged below 21 dies claim amount payable is Rs.5000.|
|Individuals who are willing to take health insurance cover and those who are within the age between 18-60 years with good mental and physical health can procure this cover. Under this cover if an individual falls sick as a result of an accident or due to sickness may enter a private hospital or nursing home or government hospital paying ward and take treatments. Expenses incurred as hospital inmates, room charges, surgical, anesthetic, doctors fees, operation theatre charges are met under this cover. Furthermore if the insured wishes he could get the cover extended to outdoor treatments. If the insured is willing to include his family under this cover, he can do so.|
|Under this personal accident policy death benefit or total permanent disability benefits will be paid, amount between Rs. 12,500 to Rs.35,000 for those members, and their families as units through death donation societies, welfare societies and other institutions. Benefits for natural death will range from Rs.5,000 to Rs.10,000. Those who are between age 18-60 years can join this scheme by a single payment per family.|
All Risk cover
This insurance is provided for mobile properties such as mobile machines similar to vehicles but not registered as vehicles, such as equipments and machinery (excavators, harvesting machinery etc.). Perils covered are theft, fire, lightning, malicious damage and natural disasters.
Ranmasu Insurance policy provides cover for cash in transit of banks, companies, offices, business shops, financial institutions for transit of money from and to office or business premises or establishment concerned. The insurance protection is against robbery, hold up, forcible removal of money whilst in transit. Additional covers are for money retained within premises, personal accident covers for money carriers and fidelity guarantee covers for persons involved in handling cash.
This policy is issued to business places such as banks, factories to cover losses/damages incurred as a result of burglary / theft following forcible and violent entry. Office equipments, sales items or such items kept in custody are covered. This cover is also extended to moveable properties or private dwelling houses.
Workmen Compensation Insurance
An employer is legally liable to his workmen (both permanent and temporary employees) for death, bodily injuries, total or partial or diseases arising out of and in the course of employment. Compensation for any contingencies will be payable under this cover.
Public Liability Insurance
This policy is in respect of liability attributed to fault / negligence of some person or his employees or some institution which results in bringing suffering, personal injury or damage to property of third party (general public). The concerned party will have to be compensated.
Bankers Indemnity Insurance Cover
Any bank registered with Central Bank of Sri Lanka can take this insurance cover. Cash and jewellery kept within the bank premises in drawers and safes are covered. Valuable items kept in safes during non-working hours are also covered by this insurance. Risks arising from robbery, hold up during transit of these items are also covered.
Professional Liability Insurance Cover
This insurance policy is meant for lawyers, doctors, chartered engineers, chartered architects and professionals who need liability covers for their negligence/fault happening whilst performing their duties toward their customers.
Comprehensive Dwelling House Cover
This insurance cover is for private dwelling houses against perils such as fire, lightning, theft and other extended perils for loss or damage to buildings and its contents.
Goods in Transit Cover
This cover is against loss or damage incurred to owners of goods whilst they are being transported in vehicles from a particular place to another place. Any damages or losses incurred during transit will be compensated.
Fidelity Guarantee Insurance of Employees
Fidelity Gurantee Insurance policy provides cover to employees in respect of direct loss of money resulting from fraudulent acts of employees for example those who are employed in the categories of accountants, financial managers, sales representatives, cashiers, carriers of cash in transit, store keepers and employees of showrooms etc.
Group Loan Insurance Schedule
This cover is in respect of loan obtained by individuals but through societies. Age limit between 18 to 70 years up. The premium herein is decided on total balance loan due from members to the society at a certain time. A person who has taken this loan were to die by natural causes, accidents or suffer total permanent disability he is entitled to get benefits under the cover. With the passage of time by repayment the loan capital diminishes and the contract terminates automatically.
Insurance of Property
This insurance is meant to cover all perils and contingencies of Sanasa societies which occur within their respective society premises. Items covered are mainly cash in premises, cash in transit, fidelity of employees and directors, office equipments, electronic equipments, personal accidents, valuable worn by employees during office hours, damage/loss to sales goods. Perils covered are fire, lightning, malicious damage, explosion, impact damage, natural disasters (include floods, and storms), theft, robbery and hold up.
Fire Insurance for low income earners
Under this policy low income earners could procure dwelling house insurance cover. In addition treatment taken as an inmate in a hospital could qualify him for Rs.400/- per day with a maximum limit of Rs.10,000. Furthermore he or she could also extend his cover to personal accident insurance.
This policy is meant for persons within the age limit of 18 - 60 years, low income earners .Under this insurance hospitalization daily payment are made (maximum limit per year Rs. 4000) . Also he could get Rs.5000 for critical surgery.
This is a personal accident insurance scheme designed for the benefits of honorary directors of the board, committee members, subcommittee officers whose ages are between 18 -60 years. Here according to the wishes of the individual, he can select cover to the limits of Rs. 100,000, Rs.200,000, Rs.300,000, Rs.400,000, Rs.500,000 under five plans. Perils covered are personal accident, death, total permanent disability, partial disability. Six months after the commencement of cover insured is entitled to claim Rs.10000 for funeral expenses.
Commercial Relief insurance
Any individual who own a business where the value is Rs.500000 or less can avail this policy cover for building used for business, and content such as goods ,equipments and other sales goods. Perils covered are fire, lightning, theft and extended perils.
This insurance is meant to encourage members to increase their deposits with Sanasa societies. Eligible age limit is between 18-70 years. Benefits hereunder is payable at the death to the dependents of the depositors. An amount equivalent to 100%, 75%, 50%, 25% of amount deposited will be payable. This additional payment will be decided according to the period that the deposit was with the society.
This is a health insurance policy issued to persons within the age limit 18 and 60 years. Employees, honorary directors, committee members, officers are included under this cover. Personal accidents and sickness resulting hospitalizing in private hospitals or nursing homes or paying wards are covered. Hospital charges, room charges, expenses for medical surgery, anesthetic medical expenses, surgery charges, internal examination fees, charges for medicines are reimbursed. If the insured wishes he could get outdoor treatment cover included. He may also include his family under this insurance.