Our Services

Among the leading insurance brokers, risk management consultants in Maldives.
Represented with excellent written and verbal communication skills in insurance negotiations.

Secure your confidentiality with dedicated professionals who will work in your best interest as an intermediary between you and the insurer.

Receive professional advice and guidance to structure your insurance programs to optimize or tailor coverage.

Receive full support in claim incidents, starting from the submission of documents through negotiating until final settlement of claims. Save your company’s time and resources with a complete ‘A to Z’ service regarding all insurance procedures.

Health & Family

Health insurance is a type of insurance coverage that covers the cost of an insured individual’s medical and surgical expenses. Depending on the type of health insurance coverage, either the insured pays costs out-of-pocket and is then reimbursed, or the insurer makes payments directly to the provider.

In health insurance terminology, the “provider” is a clinic, hospital, doctor, laboratory, health care practitioner, or pharmacy. The “insured” is the owner of the health insurance policy; the person with the health insurance coverage.

Motor Insurance

Motor vehicles and motor related accidents are rising at an alarming rate in the Maldives. The reckless driving of people on the roads have caused countless damages to properties and injury and deaths. You may never know when you are faced with an unfortunate event and have to bear the cost of third party injuries and damage to property belonging to another, let alone your own vehicle and your own wellbeing. This insurance provides you with the financial assistance you need.

We provide mainly two types of cover:

  • Comprehensive Motor Insurance
  • Third Party Liability Insurance

The Comprehensive Motor Insurance Policy will cover damage to own vehicle and third party liabilities arising out of the use of the vehicle. Whereas, the Third Party only Policy covers bodily injury, or death of third party and property damage.

Exclusions: We will not be liable for any claims arising out of:

  • Whilst Motor Vehicle is;
    • being used otherwise than in accordance with the Limitations to Use
    • being driven by or is for the purpose of being driven other than by an Authorised Driver
    • being driven under the influence of intoxicating liquor or drugs
  • Any accident loss or damage to any property or any loss or expense resulting or arising from any consequential loss

 

Hull Insurance

With the steady rise in the number of Boats in our waters and high repair and replacement costs, having the right insurance policy should be a priority for all boat owners. If you own a vessel for business or recreational purposes, you should always be aware of the associated risks – not only at sea, but also whilst your boat is moored, in storage ashore or being transported.

Main Covers:  The policy covers damage to the vessel’s hull, machinery and equipment in addition to maritime liabilities arising out the operation of the vessel.

Main Exclusions: Insurance will not be liable for any claims arising out of:

  • War and similar perils,
  • Strikes,
  • Malicious Acts (this may be extended subject to an additional premium to be agreed)
  • Nuclear Exclusion
  • Radioactive Contamination