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Pet Insurance in India?

Monday, November 13, 2017
By Rajiv Kumar

Rajiv Kumar is MD and CEO, Universal Sompo General Insurance Co. Ltd.

I met with a Road Accident and was hospitalised for body injuries. The insurance company paid for my hospitalisation but is not willing to pay for the Dental Treatment caused due the accident. Is the insurance company correct in not paying me for dental expenses?   
—Shiraj Shaikh, Mumbra

Dental treatment expenses for aesthetic & corrective measures are generally not covered in health insurance policies. But, in case a dental treatment requires a minimum of 24 hours of hospitalisation & if dental injury is caused due to an accident then, your health insurance policy shall cover such treatment cost.
Is there Pet Insurance available in India?
—Aditya Bhutada, Kandivali

We have a sense of belongingness towards our pets and we consider them as an extended part of our family. Pet insurance is the new concept in the Indian market. Few insurance companies in Indian market are providing the coverage against death due to accident and/or diseases during the period of insurance to the Indigenous, Cross bred or Exotic dogs. Insurance plans for birds and other animals have yet to be introduced to the Indian market.
My vehicles rear view camera broke while reversing the car. It was a factory fitted camera provided by the manufacturer. Will the insurance company pay for the replacement?    
—Lakshman Kumar, Lower Parel

Yes, Insurance Company will pay for the replacement to accessories like rear view camera, the reverse parking instrument. It qualify as extra fittings when owner specifically describes and mention separate value towards it at the time of insurance and gets it covered on payment of the requisite additional premium. However, if such an item is built-in and supplied by the manufacture, it will be treated as accessories and need not be separately insured.
I want to start a Laundry Business. Is there any insurance policy available for damages caused by my staff to the laundry clothes given by customers for cleaning?
—Robert Pinto, Palghar

Liability insurance policies protect the insured against any financial loss that may occur from legal matters arising from bodily injury, death, personal injury, or property damage caused by insured’s operations or premises. Laundry owner are legally required to take ‘reasonable’ care of anything left with them, and contractual liabilities are excluded under  liability policies, therefore insurers will not pay for claims arising out of any sort of contractual liability.

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