• Welcome to our Horizon East Health Care Program. All your specific and quite expensive needs like coverage for Hospital stays, Maternity expenses, Out Patient Department (OPD), Specialized Investigations and Dread Diseases / Major Medical Care are well covered and taken care of. Being generous and customizable, our Policy is the perfect choice for the corporate client interested in providing the best medical cover to the employees and their families. We have an independent division for management of group health. This division is managed by some of the most well trained and experienced persons in the health care business. Within our policy, coverage is provided to the client’s employee, their spouse, children and parents.
• Wide Panel Hospital Network:
  We have a wide range of hospitals on our panel providing quality healthcare services throughout the country. Our panel hospitals not only have the best reputation in the industry but they are also very well equipped.
• Online Web Portal:
  HEI has established a web portal facility which will be available to the relevant contact persons of your organization. This portal provides all the information about the policy that is updated on a real time basis. All details of the policy with regard to claim status, member status etc. can be accessed in an itemized form.
• 24/7 Helpline:
  This helpline can be accessed from anywhere in the country at any time (including weekends and public holidays) and provides on the spot assistance to the insured regarding any policy related query. Insured lives can obtain assistance relating to any policy procedure through this.
• TRAVEL GLOBAL
  Travel Insurance is an essential product you will not regret taking because not being insured for your travel mishaps is a source of huge regret for too many holiday makes every year. While you are away on holidays or business, accidents may occur. The solution to unpleasant mishaps is our “TRAVEL GLOBAL” (Travel Health Insurance certificate). With the help and assistance of our Global Partner “MAPFRE ASISTENCIA” with multiple point of services throughout the world, we provide a comprehensive medical coverage which gives you a peace of mind while you embark on a journey. Our E-Travel Insurance Certificate has been officially approved by all Schengen Embassies as it has been designed to meet their standard and provides a Comprehensive Medical Protection of US$ 5,000/- which sets you free from all hassles. For a prompt assistance, please contact out Alarm Centres within 48 hours of the occurrence of any mishap. Please ensure that you possess the Certificate of Insurance along with supporting documents.

1. 1. Bid Bond.
   2. Performance Bond
   3. Advance payment Bond.
   4. Retention Money Bond.
   5. Maintenance Bond
   6. Custom Bond
   7. Transportation Bond.
2.  Engineering Insurance covers the following insurance policies:
   1. Errection All Risk (EAR) Insurance
   This policy provide protection to principals, contractors & sub contractors during errection of Plant, Machineries, any kind of steel structures and heavy equipments against loss or damage by variety of hazards including third party claims in case of bodily injuries or property damage during execution of erection work. Unlike named perils, if is an all risks insurance including natural hazards and other perils.  
   1. Contractors All Risk (CAR) Insurance
   This insurance provides comprehensive coverage against loss or damage caused to project works, equipment and plant & machinery. This insurance also indemnifies the insured in case of property damage and/or bodily injuries of third party while executing construction work on respective projects. It is also an all risks insurance covering natural hazards and other perils
   1. Machinery Breakdown (MB) Insurance
   Industrial Plant, Machineries and Equipment devising operational period are covered for breakdown under Machinery Breakdown Policy against sudden and unforeseen losses. The insurer indemnifiers the insured for repairs/replacement bringing the machinery to its pre-loss conditions.  
   1. Electronic Equipment (EE)Insurance
     Electronic Equipment Insurance indemnifiers the insured against sudden & unforeseen causes resulting in loss or damage to equipment during their operational mode. The following equipment can be covered in Electronic Equipment Insurance:-
   1. Telecommunication
   2. Testing & Research
   3. Audio Visual
   4. Computers.
   5. Scanner Machines.
   6. Office Equipments.
   7. Electro Medical Equipments.

1. Import Insurance Import of all types of shipments through Sea, Air and/or Rail/Road from other countries is called “Marine Import Insurance”.
2. Export Insurance All types of shipments being sent to other countries through sea, air and/or Rail/Road is called “Marine Export Insurance”.
3. Transit Insurance This insurance covers loss or damage during transportation of goods within the country through sea,air, and/or Rail/Road.

Loss Compensation

The following risks are supposed to be happening during voyage:-

• Loss due to theft of goods
• Loss due to Snatching of goods
• Loss or damage due to Fire
• Loss or damage due to breakage/wear and tear of goods
• Loss or damage due to terrorism

The Marine Insurance compensates loss or damage due to above mentioned risks and/or like nature. For further clarification you may contact our nearest office or phone numbers of the Company.

Necessary required information for Marine Insurance

• Name of Insured
• Complete address of consignee/consignor
• Shipping advice, truck and/or Bilty Nos. and date of shipment/dispatch etc.
• Complete details of goods.
• International Packing standard etc.

The optional perils/risks are as under:-

• Loss or damage caused by Riot & Strikes.
• Loss or damage caused by Malicious Act.
• Loss or damage due to Atmospheric Disturbances, like flood, hurricane, tornado, rain etc.
• Loss or damage caused by explosion.
• Loss or damage due to fall of Aircraft and/or their parts.
• Loss or damage by Impact Damages.
• Loss due to Burglary.
• Loss or damage due to earthquake.

  The above mentioned risks/perils are basic information. For further details regarding terms, conditions, limitations and/or exclusions you may contact our representative or visit our website.