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PRODUCTS

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Medical

Medical Takaful is a comprehensive benefit package, and is geared towards medical expenses arising out of illness and accidental injuries. It is a health insurance plan that is based on moral and ethical fundamentals and social welfare. Also included within the Medical umbrella; Dental, Optical, Maternity as well as funeral expenses.

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Motors

Vehicles as means of transport has become a basic need; since use of vehicles has increased, road accidents have become more common, which in some cases can lead to loss of life and vehicle damage. Accordingly, there appeared an urgent need to find protection that can eliminate or at least minimize sequential results of such accidents. Therefore insurance has become a service rendered by insurance companies to vehicle owners in which the company undertakes to bear all losses and damages.

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Fire

Our homes are our pillar of identity and comfort. It takes alot of hard work and dedication to acquire, build and maintain the cumulative value that our homes represent. The Takaful Domestic Package policy covers home owner or occupier against a wide range of perils and specified liabilities. Takaful package which mainly incorporates Fire & Allied Perils, Burglary, Accidental damage and Business Interruption. It provides indemnity to the property insured against any loss or damage, from any cause, that is not excluded by the policy.

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Burglary

It’s a fact that burglary and unexpected occurrences happen and any property or business owner stands a chance of becoming a victim of such occurrences. It is our responsibility to prepare ourselves against such eventualities and to safeguard our welfare. The burglary and other Takaful Policies give us the opportunity to take precaution and enjoy the peace of mind that comes with preparation. The TIA Burglary cover provides insurance against loss or damage of property insured resulting from theft accompanied by forceful entry and exit from the premises. Other contents damaged by thieves while breaking in or out of the premises are also covered.

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Money

Money is a medium of communication and a daily means of trade. The term money includes cash, bank drafts, currency notes, treasury notes, postal orders, money orders and postage stamps. The TIA Money Takaful cover provides compensation for loss of money in transit; loss of money from a participant’s premises during business hours; or loss of money from a participant’s strong room caused by robbery, theft, or any fortuitous event. The loss of money in transit must occur whilst being carried by the participant or his authorized employee named in the schedule.

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Goods in Transit

If by sea or land, your personal belongings or products are essential to get covered, Takaful covers property against loss or damage, while in transit from one place to another; or being stored during a journey.

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Fidelity Guarantee

A principal risk that faces all businesses result from the activities of employees as they discharge their duties at their place of work. With a good understanding of moral hazards and risks facing businesses, the TIA Fidelity Guarantee policy enhances stability and ensures business continuity. This cover compensates the employer for loss of money and/or stocks caused by unlawful acts that employees can commit during the course of their employment such as fraud, theft, dishonesty and counterfeiting.

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All Risks

This Policy covers accidental loss or damage or destruction to the insured property as a result of any cause that is not specifically excluded under the policy. This is the widest form of cover available to property; However this policy does not cover loss or damage due to theft, wear, tear, faulty manipulation, loss of money, bank notes or property in transit.

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Public Liability

Legal liabilities arise when negligence is established against a business following actions of employees or activity of the business. These will incur when third parties have been bodily injured or third party’s property has been damaged.

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Marine Cargo

This cover is important for importers and exporters of goods. The Marine cargo covers compensation against loss of or damage to property or goods belonging to the participant or held in their custody or control. The mode of transport is either by sea, air, inland waterways or road from or to anywhere in the world.

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Work Injury Benefits

This policy cover provides compensation for participants for liabilities arising out of death, injury or disease to employees in the course of their employment with accordance with the Work Injury Benefit Act 2007.

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Travel

This service is designed to cover the costs and losses, and reduce the risk associated with, unexpected events you might incur while traveling. It’s often pitched as the best protection for those traveling domestically or abroad. It policy also includes incidents regarding accidental occurrences, bodily injury, death or medical emergency. All these related expenses are covered while on the journey.

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Engineering

Contractors All Risk (C.A.R) Takaful provides comprehensive and adequate protection against unforeseen physical loss or damage to property insured as well as against third party liability in respect of property or bodily injury arising in connection with the execution of a contract. Loss of profits following Machinery Breakdown Takaful, Contractors Plant & Machinery Takaful, Boiler and Pressure Vessel Takaful and Electronic Equipment Takaful are among other tailor-made products offered by TIA Africa.