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Motor Vehicle Insurance

Motor Vehicle Insurance

Coverages:

Motor Own-Damage Insurance:​

Any Damage caused by Road Traffic Accident to the insured vehicle.

Driver & Passengers Accident Insurance:​

Bodily injuries, death or any permanent disability resulting due to an accident.

Third-Party Liability Insurance:​

Death of or Bodily injuries to third parties or third-party property damages arising out of the traffic accident/s.

Covered Risks:

TERRITORIAL SCOPE

Iraq Republic, any trips to the outside of the Region should be declared and included into the coverage on individual basis.

Motor Vehicle Insurance
Health Insurance Page 2

Health Insurance

Health insurance or medical insurance is a type of insurance that covers the whole or a part of the risk of a person incurring medical expenses. As with other types of insurance is risk among many individuals. By estimating the overall risk of health risk and health system expenses over the risk pool, an insurer can develop a routine finance structure, such as a monthly premium or payroll tax, to provide the money to pay for the health care benefits specified in the insurance agreement.

Cihan Insurance Company has established the partnership with the Seaglemed medical TPA Company in Iraq to assist the claim process easy.

24/7 call center service is available.

 

Claims Processes:​

● Direct Biling
● Reimbursement

Commercial Property Insurance

Commercial property insurance protects your company’s physical assets from fire, explosions, burst pipes, storms, theft and vandalism. Earthquakes and floods typically aren’t covered by commercial property insurance, unless those perils are added to the policy.

Commercial Property Insurance
Personal Accident Insurance

Personal Accident Insurance

The purpose of personal accident insurance is to pay fixed compensation for death or disablement resulting from
accidental bodily injury. The personal accident insurance policy provides that, if at any time during the currency of this policy, the insured (person who has taken the policy) shall sustain any bodily injury resulting solely and directly accident caused by external violent and visible means, then Cihan insurance company will pay to the insured or his legal personal representative(s), as the case may be, the sum or sums set, forth, in the policy, if resulting in specified contingencies such as death, permanent disablement etc.

Cihan Insurance Company provides provide 24-hour protection or during work hour only, anywhere in the world to individual expats on work assignment(s).

General Third-Party Liability Insurance

The General Third-Party Liability Insurance covers the legal liability of an Enterprise to pay damages for Death of or Bodily Injuries to Third Parties, or Third-Party Property Damages. Any payments by an Insurance Company are carried out within the liability limits agreed with the Client and stipulated in the insurance policy.

Claims Processes:

The Policy will provide compensation for any damages that the Insured Enterprise is legally liable to pay to the Third Parties.

Coverage extension:

Standard coverage can be extended to cover the Sudden and Accident Pollution Liability, Products and Completed Operations Liability, Carrier Liability, and Liability arising out of use or transportation of hazardous substances.

General Third-Party Liability Insurance
Employers Liability Insurance

Employers Liability Insurance

Employers’ liability insurance is an insurance policy that handles claims from workers who have suffered a job-related injury or illness not covered by workers’ compensation. A type of liability insurance, it can be packaged with workers’ compensation to further protect companies against the costs associated with workplace injuries, illnesses, and deaths.

Travel Insurance

Travel Insurance is a type of insurance that covers different risks while travelling. It covers medical expenses, lost luggage, flight cancellations, in case of any emergency in another country and other losses that a traveler can incur while travelling.

Travel Insurance
Money Insurance

Money Insurance

Coverages:

Money in Transit:

Covers money carried by insured or insured’s authorized employee in the event of Robbery, Theft, waylaying, or snatching away, or any other fortuitous event.

Money in Safe:

Covers loss of money in safe due to Burglary, Housebreaking, Robbery or hold-up.