...PROJECT OUTLINE * Acknowledgement * History of EFU Insurance * Vision * Mission * Policies Offered By EFU Insurance * Detail About Policies * Coverage Under Policies * Risk Management * Claims * Payment of claims and Process * Duration of Policies * Marketing Plan ACKNOWLEDGEMENT All the Acclimations and Appreciation are for Almighty ALLAH, the Compassionate; the Benevolent. That knows the mysteries & secrets of universe. We would like to show the special gratitude to MISS Khudaija who provided with us knowledge Vision about the management. At the end, we would like to thank all who directly or indirectly help us in making the project. Introduction:- In 1932, Mr. Ghulam Mohammad, a far sighted man, established Eastern Federal Union Insurance Company (EFU) with financial assistance from the Aga Khan III and the Nawab of Bhopal. Mr. Abdur Rehman Siddiqui became the founder chairman. The company was originally registered at Kolkata and operated in India (undivided) and Burma. In 1947, on the birth of Pakistan, EFU found a new home in a new country. In Pakistan, EFU rapidly established itself as a progressive and innovative insurer. It gave the emerging insurance industry the leadership, the manpower and the drive needed to grow in a situation where at one time, three-fourths of insurance was held by foreign companies. By 1961, EFU had become the flag bearer of Pakistan's insurance...
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...® Medallion SUPPORT SERVICES Intermec's comprehensive Medallion Support ensures business continuity, worker productivity and protection of your technology investments. Medallion Support offers a variety of programs and options to meet your business requirements With Medallion support, you can choose from the Complete, Select, and Standard programs to get the amount of coverage and protection you need for your light, medium, and heavy product handling solutions. Medallion Support enables you to extend your coverage and lock in repair costs for the length of the agreement. With Medallion Support you have also have comprehensive telephone support and access to Intermec’s online Knowledge Central database for product information and support. When service is needed, you can make requests for a “Return Authorization” (RA) online with 24/7 access to a variety of reports and information including, status of devices submitted for repair, service history and inventory statistics. And, with any Medallion contract, return shipping is included at no charge. Every in-depot service also includes preventative maintenance, installation of the latest engineering updates and re-loading of the current factory software. Medallion Support is available in over 70 countries with global pricing and global standards of quality. accidental damage, wear and tear, damaged accessories, product defects, failures and any damage sustained when the device is used as intended in the work environment...
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...IBAIS UNIVERSITY TERM PAPER ON Green Delta Insurance Company Submitted to:- Prof. Dr. SUJIT SAHA Dean Department of Business Administration IBAIS University Submitted By:- Innocent Group MD: Ishtiak Hossain ID 0102123936 MD:Omor Faruq ID 0102123929 Sajib Debnath ID 0102123922 Minara Akhter ID 01012123917 Program: B.B.A Date of Submission: 30 August, 2015 Letter of Transmittal Date: 30 August, 2015 Prof. Dr. SUJIT SAHA Dean Faculty of Business Administration IBAIS University Subject: Term paper on Green Delta Insurance Company. Dear Sir, With immense pleasure, I am submitting our report of “Green Delta Insurance Company Ltd.: An Evaluation.” which was assigned me as a part of my BBA Program. I have tried my level best to complete this report with the necessary information and suggested proposal that you were provide me as your best as well. I hope that the report will be completed as your expectations. Thank you Sincerely, …………………………….. On behalf of innocent group Department of Business Administration IBAIS University ...
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...people aspect is in reference to the employees creating relationships with their customers. The technology part of the vision is in reference to tying the content such as services etc, to the products sold, which in turn connects the world. The pursuit of happiness portion is to make happy employees, which in turn will make happy customers with the service they receive. Strategy Best Buy uses a customer-centric strategy, which means that they essentially look at their business through what the customer needs versus what the producer does. This strategy has also helped Best Buy stay afloat because they understand the solution aspect for their customers to their products that they purchase. Another strategy Best Buy is using is organic growth, this means that they are taking their customer base that currently exists and versus expanding to gain more customers, they are working with their loyal customers to get them to spend more. Strategic Initiatives One of the major initiatives Best Buy is taking for their strategies is to use the idea of organic growth. They are doing this by adding in more services for products that they sell, like cameras and laptops-which tend to be the brunt of accidental damage, and turning their services into a happier experience for their customer by offering an accidental replacement plan. This allows their current customer to spend a little more in their store, while benefiting themselves by...
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...assets (owned by Manager or MIS) ‘Information’ means information held by the Company on its own behalf and that entrusted to it by others. The following are examples of the media which may contain or comprise information assets. • • • • • • • • • • databases and data files system documentation user manuals training material operational or support procedures continuity plans and fallback arrangements back-up media on-line magnetic media off-line magnetic media paper Services • • computing and communications services (owned by MIS) heating, lighting and power (owned by Manager or Building Services Manager) 1 17/01/03 First•Base Technologies Town Hall Chambers High Street Shoreham-by-Sea West Sussex BN43 5DD UK Tel: +44 (01273 454 525 Fax: +44 (0)1273 454 526 info@firstbase.co.uk Guidance on Information Classification Categories for classifying document security Category 1 : Routine (non-confidential) documents Description: All documents of a routine nature. Effects of disclosure: No measurable damage to the company or a department. Examples: Normal memos, routine reports, circulars. Estimated occurrence of this classification: More than 80% of all documents would be within this class. Recommended marking of document: This is the default class. Therefore, there should be no need to mark non-confidential material, and all unmarked material would normally be expected to fall in this category. Recommended electronic...
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...About Zurich Being part of Zurich Insurance Group, Zurich Insurance (Hong Kong) offers a full range of flexible general insurance and life insurance products for individuals as well as corporate customers, catering to their insurance, protection and investment needs. Our presence in Hong Kong dates back to 1961. We are one of the top 10 insurers in Hong Kong. Zurich Insurance Group is a leading multi-line insurance provider with a global network of subsidiary and offices in Europe, North America, Latin America, Asia-Pacific and the Middle East as well as other markets. Founded in 1872, the Group is headquartered in Zurich, Switzerland. With over 60,000 employees serving customers in more than 170 countries, our ambition is to become the best global insurer as measured by our shareholders, customers and employees. Travelplus Insurance Plan Zurich Insurance Company Ltd ZXS/001/ENG/09/2013 (a company incorporated in Switzerland) 25-26/F, One Island East, 18 Westlands Road, Island East, Hong Kong Telephone: +852 2968 2288 Fax: +852 2968 0639 Website: www.zurich.com.hk Travelplus Insurance Plan Travelplus Insurance Plan offers comprehensive coverage for you and your family members or friends to enjoy the wonderful trip without any hassle. Table of Benefits Coverage Maximum benefits per insured person (HKD) Gold plan Silver plan Bronze plan Medical cover • Medical expenses, including follow-up medical treatment • Overseas hospital daily cash benefit 1,000...
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...500 employees - USCB By 2005,k average mid-size company will generate 1/4 to 1/2 of it revenue from outside U.S. Management Process of Planning, Organizing, Leading, and Controlling an organization’s or other entity’s resources to fulfill its objectives cost-effectively. 5 Step Sequence in RM Process Identify & analyzing exposures to accidental and business losses that might interfere with organization’s basic objectives. Examine feasible alternative risk management techniques to deal with exposures. Selecting the apparently best risk management techniques. Implement the chosen risk management techniques. Monitor results of chosen techniques to ensure the risk management program remains effective. Risk Management Process of making & implementing decisions that will minimize adverse effects of accidental & business losses. Broad View of Risk Management Casualty Risks - hazard risks or accidents Liquidity Risks - Insufficient cash or other liquid assets Market Risks - not being able to buy or sell goods or services the organization needs or provides in normal markets and usual terms and prices. Political Risks - Adverse actions of governments that might expropriate or excessively restrict or tax an organization’s assets and activities. Technological Risks - Failure to keep pace with changes in production or in operating techniques. Risk Manager’s Fundamental Concern...
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... One Call Worldwide Travel Services Network One Call Travel Services Network, Inc. provides: medical, legal and travel assistance services available 24 hours a day/365 days a year. A complete list of these services is included in your Certificate/Policy. Schedule of Benefits - SRTC-2000-WA-AH Plan Benefits Maximum Benefit Amount Accidental Death & Dismemberment..............................$5,000 Emergency Sickness/Accident Medical Expense.....$100,000 . Hospital Advancement....................................................$500 Schedule of Benefits - SRTC-2000-WA-PC Plan Benefits Maximum Benefit Amount Trip Cancellation............................................. Up to Trip Cost * . Single Occupancy................................................... Included . Trip Interruption............................................... Up to Trip Cost * Baggage/Personal Effects............................................. $1,000 Per Article...................................................................... $500 Combined Maximum Benefit......................................... $500 Baggage Delay (Up to $150 Per Day)............................... $750 Trip Delay (Up to $100 Per Day)....................................... $500 Emergency Evacuation/Repatriation of Remains.... $300,000 Schedule of Services Plan Services Maximum Service Amount One Call 24-Hour Assistance Services........... No Dollar Limit . Global Xpi Medical Records Service............... No Dollar...
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...2.1 Key factors in case study 2.1.1 Saving factors in the case As we know, Alexander is a forty-eight year-old CEO of Graphic Design Ltd. He draws a salary of £420,000 per annum. He and his wife Janet have a 14-year-old boy, 10-year-old girl and 3-year-old girl, named Adam, Sheila and Carina respectively. Janet is already 44 and works as her husband`s personal assistant with salary of £55,000 per annum. So the annual household income of his family is £475,000 totally. Adam and Sheila studied in a local private school. The couple will have to pay £3,000 per child per annum in school fee, what was more when Carina arrived her school age, and at that time she will probably be sent into the same school. 2.1.2 Mortgage factors in the case The Flynn’s live in a bungalow which is conservatively evaluated £1.25m in firm economic condition. They have £450,000 mortgage to pay in 14 years. They decided to build an extension which cost £300,000. They have taken out the over 20 year’s mortgage on an endowment basis. A substantial shortfall leads to policy operational problems. 2.1.3 Protection factors in the case As a Company Director and Chief Executive of a software company, Alexander is already 48 and close to his middle-age. Great work pressure may easily cause health problems. Janet is 44 and works as Alexander's personal assist. So this couple needs to protect health to deal with the pressure and workload. Their three children also need to protect health to prevent accident...
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...The term of delict is borrowed from Latin delictum which means offence or wrong. The general principles of delict include: damnum injuria datum, duty of care and neighbourhood principle, reasonableness, and culpa. The law of delict is a part of civil law, and it is based on a concept Damnum Injuria Datum – loss caused by a wrongful act. It focuses on the liability for loss, personal injury or damage to property caused by wrongful acts, whether intentional or accidental. The most common form of delict is negligence – a harm caused unintentionally by carelessness act. It is a failure in taking a reasonable care that should be exercised by a reasonably prudent person. In order the negligence claim to become successful certain criterions must be met. Firstly, it must be showed that the defendant has owed a duty of care to the victim. Duty of care is a legal responsibility, and it means that everybody must act within a certain standards towards certain people in certain situations. It includes the ability to prevent a foreseeable harm to a victim. This principle was defined by case Donoghue v Stevenson (1932). In this case Mrs Donoghue suffered serious gastric problems after consuming a bottle of a ginger beer which contained a decomposing snail in it. The victim did not buy this drink herself, which means that there was no contract with the café owner. Thus, she could not sue the café owner for her harm. Instead, she sued manufacturer for delict. It was held by the House of...
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...building. Commercial Property Insurance provided either replacement cost coverage, actual cash value coverage, or a combination of both. Replacement cost coverage is to cover the payment of replace your property with new property while actual cash value coverage is to pay the replacement cost of the property minus depreciation. Although replacement cost coverage is more expensive than actual cash value coverage, it might better ensure that your business fully recovers after a significant loss. Commercial Property Insurance distribute to few parts, it included Fire Insurance, Fire Consequential Loss, Burglary & Robber Insurance, Plate Glass Insurance, Employer Liability and Public Liability. Fire insurance is an insurance that covers damage or loss caused by fire, lightning and domestic gas explosion. It can be extended to cover extraneous...
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...How to make computer safe Nowadays people’s lives revolve around computers Internet shopping, internet banking, storage of valuable information communication, to site a few. The need to secure and protect the computer comes to be of great importance. Make the computer safe from what? * From hackers * Viruses, internet worms. * Corrupt registry, pc errors * Crashing of hard drive, operating system failure * Unauthorized users, spies * Online threats * Internet scams * Protection against pornographic material * Physical damage WAYS TO MAKE THE COMPUTER SAFE 1. FIREWALL: Because the internet is a public network, any connected computer can find and connect to any other connected computer. A firewall is a barrier between the internet and your own computer or network. A firewall protects you against: * Hackers breaking into your computer. * Worms – types of viruses that spread from computer to computer over the internet. * Some outgoing traffic originating from a virus infection. Solution: Check if your Windows Firewall is switched on. 2. Viruses and Spyware: A virus is a file written with the sole intention of doing harm, or for criminal activity. There are many types of virus. The Risks Viruses and spyware can attack your computer via the following means: * Opening infected email attachments such as .exe files. * Opening infected files from web-based digital file delivery companies (for example YouSendIt...
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...Article VIII (Wages and Classifications) Idealistic: Job classification and wage schedule is designed to ensure that employees are classified appropriately and consistently according to their education, work experience, skills, and work performed, and that the salary ranges for positions are competitive with similar positions in the public and private sector. In an idealistic situation the company should have the sole responsibility and rights over setting forth rates of pay for various job classifications. Any grievances or disputes of the companies job classification and wage schedule should be handled directly with in the company. Realistic: Viewing the Job classification and wage schedule in a realistic standpoint, giving that the union would want some authority over job classifications and wages. If and when the company adds a new job classification or modifies and existing one. The Union would have at least 5 working days to examine the job description to determine if it accurately describe the principles of the job and whether is in pay range. The Union would then have the opportunity to meet with the company and discuss if any changes need to made. If an resolution can not be established the union would then be able to file a formal grievance. Why Realistic: Realistically it would not be fair to the union to not have saying over job classification and wages. It is important that all jobs classifications and wage schedule be reviewed by the union to assure that...
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...books and practical working environment to large extent. It is really a great opportunity we got to have a real life experience while passing through the process of practical learning. The preparations of internship report on the topic “Overall Performance of Bangladesh General Insurance Company (BGIC)” was no doubt a challenging task, particularly for a student. I have tried my level best to analyze in depth the overall International and Domestic Trade and business insurance Services provided by BGIC Bangladesh. My pain will be fruitful if my report serves any purpose of BGIC or my department or my fellow friends interested in having insight into the related matters. 1.2 Rationality of the study . No business can exist without having insurance policy, which is much talked about subject now –a- days. In some cases getting insurance is made compulsory for example motor insurance. But unfortunately a very few studies has been made for insurance services. The report is assigned by our course teacher Professor Dr. Shahid Uddin Ahmed as a part of our BBA program. The report is on the assigned topic “Overall Performance of Bangladesh General Insurance Company (BGIC)”. By conducting this report I can enhance my knowledge and skill to apply various research methods in professional life on higher educational life. The report has given me a chance to raise my quality in developing research instrument and its applications. By doing so, I can...
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...State Bank Classic Debit & Shopping Card Enjoy the convenience of cashless shopping with State Bank Classic Debit & Shopping Card and earn FreedomRewardz points on your purchases. With your State Bank Classic Debit & Shopping Card you get access to your account whenever and wherever you want. You can use it to purchase goods merchant establishments and withdraw cash in India. Use of State Bank Classic Debit & Shopping Card: For shopping at over 5 lakh merchant outlets in India. For booking movie tickets, bill payments, travel and other online purchases and payments over the internet using secure ‘Master Secure Code’/‘Verified by Visa’. For withdrawing cash from State Bank Group ATMs or other ATMs in India. Rewards Points: FreedomRewardz State Bank Debit Card Loyalty Program State Bank Classic Debit Card earns 2.5 Freedom Points (Reward points) for every ` 100 you shop, dine out, fill fuel, book travel or spend online. These Freedom Points earned can be accumulated and redeemed for exciting gifts. Please visit www.freedomrewardz.com for more information. Daily Cash Withdrawal & Transaction Limit State Bank Classic Debit & Shopping Card particulars Minimum Daily Cash Limit at ATMs Maximum Minimum Daily Point of Sales/eCommerce Limit Maximum Domestic ` 500/` 40,000/No such limit ` 50,000/- Card Type Digit Mastro Visa 16 16 For ATM For purchasing on POS/ME PIN Based Signature on fall back PIN Based Singnature on...
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