The constant worry of property ownership is that an unexpected event may occur and the recovery would result a significant loss. Buying a fire takaful offers wide protection from additional risks in addition to covering fire. Get your property covered now and get recovery advantage in case of an unforeseen event
Fixtures and fittings - including walls, gates and fences
Contents – furniture, machinery, electrical goods, stocks, etc.
Removal of debris
Loss of rent / alternative accommodation
Architects, Surveyors & Consulting Engineers Fees
Which incidents can be covered?
Fire
Lightning
Overflowing of water tanks/pipes
Impact damage
Explosion
Malicious damage
Riot & Strike
Aircraft damage
Flood
Tsunami & tidal waves
Cyclone, Storm and Tempest
Tornado
Hurricane, Typhoon & Hailstorm
Earthquake
Volcanic eruption & Seaquake
Keep your mind at ease with the Burglary Takaful Policy, which ensures that your property is protected against any loss or damages caused by theft, through actual, forcible and violent entry to, or exit from, the premises.
The Guest House Takaful is especially a designated cover tailer-made in consideration with the risk factor involve in the operation of guest houses. Whether you have established your guest house or are embarking on a new adventure, we will take care of all your business’ insurance needs.
Fire & allied Perils
Fire / Lightning
Malicious Damage
Explosions
Aircraft damage
Impact Damage
Earthquake
Bursting & overflowing of tanks
Cyclones/Storm/Tempest
Flood
Natural disaster perils
Strikes, Riots, and Civil Commotion
Business Interruptions
Burglary
Public Liability
Personal Accident (with in the premises only)
Electrical Extra inclusion
Natural perils for business interruption
Takaful Business Cover is a comprehensive plan that guarantees that your business gets back on track, moving forward stronger than before, despite damages or business interruptions caused due to calamities.
Pharmacies
Groceries
Hardware Stores
Textile Shops
Spare Part Dealers / Shops
Fancy Goods Shops
Books and Stationery
Communication Shops
Fire and allied perils
Natural disaster perils
Shop break-ins
Public liability cover
Money Takaful
Personal accident cover for employees
Plate glass accidental breakage cover
Owning a business that provides a constant service to its customers is no easy feat. Let us lessen your cares with our Hotelier Takaful, leaving you free to attend to the needs of your esteemed guests.
Fire and allied perils
Business interruption cover
Plate Glass cover (against accidental damage)
Cover for money
Machinery Breakdown cover
Electronic Equipment cover
Fidelity Guarantee
This Takaful scheme will indemnify the participant against losses resulting from a temporary shutdown because of fire, lightning, explosion or any other peril covered in the policy. The Standard Policy covers loss of Gross Profit
Reduction in Turnover
Increase in cost of working
This Takaful guarantees that an organization is protected against legal liabilities (or liability at law) to third parties. This includes accidental bodily injury, as well as any loss of or damage to property that occurs in connection with the organization.
The Money Takaful is designed to provide an extensive coverage to protect the risk involve in handling of money by the businesses.
Loss of money whilst in transit
Loss of money whilst on the premises when open for business
Loss of money from the premises when closed for business
An insurance policy that ensures the protection of employers against any financial losses incurred, resulting from the fraudulent or dishonest operations carried out by employees.
The Machinery Breakdown Takaful Scheme covers SUDDEN and UNFORSEEN damage to the Machinery.
While machine is at work
While machine is at rest
During cleaning
Inspection
Over hauling
Removal
Transfer to another position within the premises
The Electronic Equipment Takaful provides basically an “all risks” cover in respect of loss or damage to Electronic Equipment at a specified situation.
Medical Equipment (Example: X-ray, radiotherapy equipment, ECG, EEG, optical scanners)
Office equipment & machinery (Example: computers, telex & facsimile machines, printers)
Industrial electronic equipment (Example: material testing research equipment, power control plants)
Communication equipment (Example: telephone systems, paging and signaling systems)
Radio, TV & broadcasting equipment etc.
Micro filming equipment’s, photocopiers
Lab equipment’s
Plant All Risks Takaful provides basically an “all risks” cover in respect of loss or damage to the Machinery at a specified situation or within the Territorial Limits defined in the policy
Any moveable
Immoveable plant
Machinery
Equipment
Any vehicle NOT being used on the road to which the general public has access
This Takaful covers any damages caused due to; Cover in respect of loss or damage to the Machinery at a specified situation or within the Territorial Limits defined in the policy.
Our Group personal accident Takaful is a tailor-made scheme suitable for businesses to ensure their valuable employees are always taken care of. Our Group Personal Accident cover offers an annually renewable death and living benefit cover for groups, including:
Accidental Death
Disablement Benefit
Bond is a guarantee issued by insurance companies to third parties on behalf of the insured (participant) assuring the fulfillment of the undertaking contracted by the third party and the insured (participant).
Bid Security
Performance Bonds
Advance Payment Bonds
This Takaful covers any damages caused due to; Assuring the insured the protection promised in the beginning of the contract period.
The Contractor’s All Risk Takaful is a full option insurance policy for all builders that provides protection against any sudden and unforeseen physical loss or damage to structures that are being constructed, or to materials on site.
Section I – Material Damage
The cover provided under this section is on “all risk” basis subject to certain specific exclusions. The following can be covered under this section.
(a) Contract Work
(b) Materials on site
(c) Construction Plant, Equipment & Machinery (eg: scaffolding, auxiliary bridges, timbering / casing, tools & tackles, power generating sets, etc.)
Section II - Liability to Third Parties
Participants legal liability to third parties is covered - both bodily injuries & property damage
This Takaful scheme provides a comprehensive form of cover on MACHINERY undergoing assembly, erection and movement/transport into site of erection and subsequent testing and commissioning.
Section I - Material Damage
The cover provided under this section is on “all risks” basis subject to certain specific exclusions.
The following can be covered under this section.
(a) Erection Works - (Cost of machinery erected, freight, custom duties and dues, all expenses connected with the cost of erection and testing etc)
(b) Civil Engineering works (incidental)
(c) Materials on site
(d) Construction Plant, Equipments & Machinery.
Section II - Liability to Third Parties
Participants legal liability to third parties is covered - both bodily injuries & property damage in connection with the erection works on or adjacent to the work site.
In Maldives, higher occurrence of unanticipated incidents results due to unforeseen variations to sea perils and reckless riding of vessels which causes huge losses to marine owners. Due to such losses it’s essential to safe guard your vessels against the risk involve in the sea transportation.
Hull
Engines
Other Machineries and equipment’s
Comprehensive Cover: Coverage provided when the vessel incurs a partial damage above deductible which can be repaired and also when vessel goes totally loss.
Total Loss Cover: Coverage provided if only vessel goes totally loss. Which incidents can be covered?
Perils of the seas
Fire, explosion
Violent theft by persons from outside the vessel
Jettison
Piracy
Contact with land conveyance, doc or harbor equipment or installation
Earthquake/ volcanic eruption/lightning
Accidents in loading discharging or shifting cargo or fuel
Loss or damage due to bursting of boilers, breakage of shafts or any latent defect in the machinery or hull
Loss or damage due to negligence of Master Officer Crew or piolet
Loss or damage due to contact with aircraft, helicopter or similar objects or objects falling
Easy Marine from Amãna Takaful guarantees the safe transportation of your imports and exports, from the point of origin to its final destination. This policy can be customized to suit your requirements.
Tailor-made to protect ship-owners and those who charter vessels, who may be held liable for loss or damages, this policy provides protection against claims made by third parties.
Our Group Surgical and Hospitalization Plan is an affordable medical scheme that offers your employees and their families an optimal security in the event of medical intervention that is covered by the policy. This plan offers the serenity of going through medical care in an extensive range of geographical locations.
Option to customize the solutions that best suit your employees with the most affordable pricing
Extensive range of health care service providers under the policy
A dedicated Key Account Manager to manage the overall business relationship across all lines of business
24/7 customer service and efficient claims management
Medical for SME’s is a very comprehensive health takaful coverage offered with extended limits especially designed for employees of small to medium sized enterprises at an affordable price. With the most affordable health insurance cover at your doorstep. It is prudent to be proactive to overcome the financial burden of an uneventful hospitalization.
Minimum 5 members including employees immediate family members
Adults - 65 years and below
Children – 21 years and below
| Coverage | Limit (MVR) |
|---|---|
| Inpatient | 175,000 |
| Outpatient | 5,000 |
| Overall annual limit | 180,000 |
Maldives
India
Sri Lanka
