Insurances
DESCRIPTION
Our Public Liability Insurance policy compensates third parties for any damage caused to their property or bodily injury caused to themselves as a consequence of the carelessness of the insured or his employees.
Public Liability Insurance is aimed at the following groups:
- Shop owners
- Hoteliers
- Commence and industry
- Professionals
COVERAGE
Public Liability Insurance provides protection for the insured against his Legal Liability for bodily injury, death, loss or damage or destruction of third party property that he may have caused due to his own negligence.
For more information please contact one of our Sales and Customer Service team Or send an email to This email address is being protected from spambots. You need JavaScript enabled to view it.
DESCRIPTION
There is always the chance that something unexpected could take place whilst travelling abroad.
It is in our hands to deal, in the best possible way, with incidences that could interrupt your vacation.
For instance there is the possibility of your luggage being delayed or even lost, a flight being delayed or a medical emergency/accident may occur. These unexpected events are often harder to deal when they happen abroad.
Our company can offer a comprehensive Travelling Insurance Policy for your peace of mind, “Travel Shield”. The innovative policy covers and protects individuals from small inconveniences such as delay in the arrival of luggage to more serious unexpected events like health problems during their trip.
Travel Shield is intended for individuals, groups, families and business executives.
COVERAGE
Features & Covers:
- Personal accidents
- Medical expenses due to an accident or disease
- Transportation expenses and accommodation of the attendant in case of hospitalization
- Medical transport of patient
- Emergency supply of medicine
- Emergency dental treatment
- Interruption, delay or cancellation of travel
- Loss or delay in the arrival of luggage
- Compensation of rescue expenses
BUSINESS SHIELD + TRAVEL INSURANCE = SAVINGS
Now you can save extra cash by combining various policies
REQUEST A QUOTE ONLINE NOW!
Prices start from €21
For more information please contact one of our Sales and Customer Service team Or send an email to This email address is being protected from spambots. You need JavaScript enabled to view it.
DESCRIPTION
Money
The term Money shall be deemed to mean and to include cash and/or any other financial instrument that is easily convertible into cash. Note that foreign currency shall be equivalent to local currency at the prevailing Central Bank Mean rate at the time of loss.
Business Hours
The period during which the Insured’s business premises as specified in the schedule are actually occupied for business purposes and during which the Insured or his employees entrusted with Money are within the premises.
Excess
The amount the Insured must bear as the first part of each and every claim made.
COVERAGE
This insurance policy will provide indemnity following the theft or loss of money whilst:
- In Transit or in a bank's night safe;
- On the Premises during business hours;
- On the Premises outside business hours;
- On the Premises whilst contained in a Locked Safe or Strongroom;
- At an Authorised Person's residence;
- Damage to Safes and Strongrooms;
- Fraud or dishonesty by employees.
“Money”
means cash, notes, cheques, postal notes, post office money orders, negotiable securities, stamps.
This description is issued as a matter of information only and for full terms and conditions you should refer to the policy wording.
BUSINESS SHIELD + MONEY ISNURANCE = SAVINGS
Now you can save extra cash by combining various policies
For more information please contact one of our Sales and Customer Service team Or send an email to This email address is being protected from spambots. You need JavaScript enabled to view it.
DESCRIPTION
Multicare International Health Plan, the best selling health scheme in Cyprus, was developed in association with AXA PPP healthcare, one of the largest health insurance companies of the UK with more than 60 years of experience and more than 2 million insured people all over the world.
Multicare International Health Plan is a diverse product with 4 different options, one of which is offered only to students.
Primarily the annual maximum level of cover distinguishes the plans:
- Plan A has a yearly maximum of €2.000.000 per person
- Plan B provides maximum cover of €100.000 per person
- Plan C provides an overall annual maximum of €40.000 per person
- Student care, that is offered to all students in Cyprus and abroad, has an annual limit of €100.000
COVERAGE
All of our plans offer the following covers:
- Comprehensive cover: which provides cover for both In-patient and Out-patient expenses
- Standard cover: which provides cover for In-patient expenses only.
A further differentiation, which applies to all our plans, is the area of cover:
- Area 1 which provides cover for the whole world
- Area 2 which provides cover for the whole world excluding the USA, Canada and Switzerland.
Other important characteristics of Multicare:
- Multicare is a truly international health plan
- Outside area of cover
- International emergency medical assistance
- Pregnancy
- Health screen
- Parent accommodation
- Ambulance transport
- Nursing-at-home
Basic benefits:
- Full compensation of claims All your medical claims are paid in full up to the limit shown in your plan, as long as these are included within the benefits of your chosen plan and are considered to be reasonable and customary.
- Cover for diagnostic procedures and alternative medical treatment With Multicare you are covered for Medical practitioner charges, consultations and treatment, diagnostic procedures, physiotherapy, chiropractic treatment, homeopathy and osteopathy, psychiatry and accidental damage to teeth.
- Cover for newborn babies.
Multicare offers cover for newborn babies as long as they join their parent’s plan within three months of their day of birth.
For more information please contact one of our Sales and Customer Service team Or send an email to This email address is being protected from spambots. You need JavaScript enabled to view it.
DESCRIPTION
Under the Immovable Property Law a building under Joint ownership is one consisting of at least five units.
Every jointly-owned building is registered as such with the Land Registry. Buildings with fewer than 5 units may also be considered as jointly-owned under certain conditions.
COVERAGE
A jointly-owned building consists of two parts firstly, there are the individual units (apartments, houses, etc.); secondly there is the rest of the property which generally includes common-areas (corridors, garden, yard, pool), staircases, roof, foundations, electrical installation, plumbing system, engine room and some common and main walls.
For your information, every jointly-owned building must have a Management Committee.
The committee has legal standing and may sue (and may be sued) in relation to any matter concerning the property. For this reason, it is important that the Management Committee is covered for both Public and Personal Liability. For example, if a claim is made against it in a ‘civil wrong’ suit, the owners may face the bill for damages; if a claim is made against an individual member due to lack of care, for instance, the individual member may personally face a claim for damages. The committee has an obligation under the law to insure and always keep insured the entire jointly-owned building (not just the common areas) against fire, lightning and earthquake with a licensed insurance company and to pay the premium.
For more information please contact one of our Sales and Customer Service team Or send an email to This email address is being protected from spambots. You need JavaScript enabled to view it.
DESCRIPTION
The Professional Indemnity Insurance policy safe guards the professionals in their trade against a financial loss which could occur as a result of its legal liability to third parties for professional misconduct as a result of negligence, error or omission.
Obliged by Cypriot Law for:
- Lawyers
- Insurance Agents
- Estate Agents
Also available for:
- Architects & Consulting Engineers
- Surveyors
- Certified Auditors & Accountants
- Miscellaneous Directors
- Doctors
COVERAGE
Obliged by Cypriot Law for:
- Lawyers
- Insurance Agents
- Estate Agents
Also available for:
- Architects & Consulting Engineers
- Surveyors
- Certified Auditors & Accountants
- Miscellaneous Directors
- Doctors
For more information please contact one of our Sales and Customer Service team Or send an email to This email address is being protected from spambots. You need JavaScript enabled to view it.
DESCRIPTION
According to the Labour Laws of the Republic of Cyprus, it is stated that all employers who have operations in the Republic of Cyprus are obliged (as at 01/11/1997) to have Insurance cover in place with an authorized and licensed Insurance company against their liability in the event of an accident or occupational sickness encountered by any of their employees that may have been caused from and during their time of employment at their employer.
COVERAGE
The minimum limits of indemnity that are required under the law are as follows:
- Limit for each and every employee €160.000
- Limit per event or series of events €3.415.000
- Aggregate limit during any one period of insurance €5.125.000
The above limits of indemnity may not be sufficient given the ever increasing demands and compensations that are currently being awarded, hence we offer the facility to increase the limits of indemnity subject to underwriting of the risk and offering such increased limits in order to satisfy the employer.
EMPLOYERS LIABILITY + PUBLIC LIABILITY = SAVINGS
Now you can save extra cash by combining various policies
For more information please contact one of our Sales and Customer Service team Or send an email to This email address is being protected from spambots. You need JavaScript enabled to view it.
DESCRIPTION
All foreigners, either non-EU citizens or international, who are employees, visitors or students are obliged by the law to have Health Insurance in order to register with the Immigration Authorities in Cyprus.
COVERAGE
This insurance policy is aimed to cover housemaids (domestic helpers), visitors, farmers or any other occupation. In addition, all University and College students. Cover includes expenses for medical visits & medication, in-patient and out-patient treatment, daily hospital accommodation & childbirth. It also covers expenses to repatriate the corpse of the insured back to their own country.
EMPLOYERS LIABILITY + MEDICAL INSURANCE = SAVINGS
Now you can save extra cash by combining various policies
For more information please contact one of our Sales and Customer Service team Or send an email to This email address is being protected from spambots. You need JavaScript enabled to view it.
DESCRIPTION
Our Personal Accident cover offers protection to each and every one of us in the event of a loss that may arise from an accident that could occur either at the workplace or at home or elsewhere, even whilst abroad.
COVERAGE
In case of an accident we will pay out compensation as preselected by the insured to suit budget and needs for the following:
- Death
- Permanent Total Disability
- Temporary Total Disability to work up to a period of two years
- Cover medical expenses either at a private clinic or hospital
The following may be insured:
- Persons between the ages of 16-65 who may or may not be working
- Legal residents of the Republic of Cyprus
- Employees who required Personal Accident for their employees or their executives under a group personal accident policy
EMPLOYERS LIABILITY + PERSONAL ACCIDENT = SAVINGS
Now you can save extra cash by combining various policies
For more information please contact one of our Sales and Customer Service team Or send an email to This email address is being protected from spambots. You need JavaScript enabled to view it.
DESCRIPTION
Lifetime protection for your family. Because the unexpected is part of life, protect your family with a term insurance plan. For a minimal monthly premium you can rest assured that your loved ones will receive a financial benefit in the event of death.
On the other hand an investment plan can be tailored to your budget and help save for the future.
COVERAGE
Term Insurance offers you:
- High Insurance cover for loss of life from any cause, at low cost
- Tax exemption on your premiums
- The opportunity to add more benefits in order to cover all your insurance needs
Extra benefits:
- Dread diseases
- Accidental death
- Permanent total disablement
- Accidental death or permanent total disability from accident
- Disability income
- Waiver of premium
For more information please contact one of our Sales and Customer Service team Or send an email to This email address is being protected from spambots. You need JavaScript enabled to view it.
