FotoKrafts
                                               (An Ex-Software Professionals Enterprise)


                                               Vacation Insurance ??


                                                There are broadly three categories of  Insurance which would be usefull to you. The first
                                                is 'General Insurance'. Thesecond is Medical Insurance.The third is 'Accident Insurance'

                                                By default all FOTKRAFTS Trek customers who have paid up the Trek price are covered by
                                                a Personal Accident Insurance policy the details of which are provided below. The other two
                                                types of  Insurance are optional.

                                                General Insurance is an expensive choice and any claims against such Insurance policies are
                                                subject to investigation. Any claims will materialise only after three months in the form of a
                                                cheque. General Insurance policies Insure all your valuable personal belongings including
                                                a wrist watch. Therefore purchasing such Insurance is usefull only if you are carrying on self
                                                brand new personal belongings such as cameras, lenses, tripods, camera bags, GPS etc. An
                                                important point to note is that Insurance companies will settle a claim against such policies
                                                if and only if  items insured were under lock and key in a room that was burgled ! To purchase
                                                a General Insurance policy you need to have all the original bills for insurable items. At time
                                                of settlement of claims against such a policy; a sizeable chunk of depreciation is applied by all
                                                Insurance companies !!. Approximately General Insurance will cost you 2.15 % of the value of
                                                the items insured as premium. At FOTOKRAFTS we do not recommend such a policy coverage
                                                unless you are carrying brand new photographic equipment on self.

                                                The second kind of insurance coverage is 'Medical Insurance' which would be usefull if you are
                                                planning to stay on for a extended period of time in India. Insurance claims procedures for the
                                                Medical Insurance policies are quite smooth due to the cut throat competition in the market.

                                                Given below are the details of 'Personal Accident Insurance Policy'

                                                Personal Accident Insurance Policy

                                               By default all FOTOKRAFTS customers who have booked and paid up for a Trek are covered
                                               by an accident insurance policy from Oriental Insurance Co. Ltd.  The following are highlights
                                               of such a policy coverage. This policy coverage will be provided only if customers arrive in India
                                               three days prior to Trek start date and are physically present at our offices. The policy cover is
                                               for both Indian and non-Indian customers.

                                               a)  The Capital sum insured for each policy holder is INR 100,000/-
                                               b)  The policy covers Death, Permanent Total disablement, Temporary Total disablement. 
                                               c)  In case of accidental death due to external violent and visible means nominee will be paid 
                                                     compensation of  INR  1,00,000/-
                                               d)  In case of natural death nothing will be paid.
                                               e)  Loss of Eyes, Hands, Fingers, Feet, Toes, Hearing are all covered under the policy. In the
                                                     event of such loss a percentage of the capital sum insured (1% - 50%) will be paid as per
                                                     policy schedule.
                                                f)  In case of injury that is the sole and direct cause of temporary total disablement, then so
                                                     long as the insured person shall be totally disabled, from engaging in any employment or
                                                     occupation of any description whatsoever, a sum at the rate of one percent (1 %) of the
                                                     capital sum insured per week shall be paid.
                                                g) For the above policy all hospitalisation expenses will have to be paid for by the customer
                                                     himself and then a claim filed with the Insurance Company along with all Bills, Medical
                                                     records/reports, medical prescriptions.  



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