Page 255 - Misc Ebook IC 78

Miscellaneous Insurance

if the safe is burglar proof and is of an approved make
and design. If however the loss of cash or valuables
from the safe occurs following the use of the key to the
safe or any duplicate key, the loss is not covered.

If however, the key obtained by violence, or threat of
violence or through means of force,then the claim is
granted. This is generally known as the key course. It is
necessary to note that the use of force did not be
necessarily against a person, but can be against property
as well.

For example, if the key to the safe secured in a cupboard
is removed after forcing open the cupboard, the loss is
covered by the policy. The key clause cannot be even
removed by a payment of extra premium.

Q6. What do the following terms signify in a
Mediclaim policy:

(i) Hospital/ Nursing Home - Hospital or Nursing Home
means any institution in India established for indoor care
and treatment of sickness and injuries which either has

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