الرحمن الله بسمالرحيم

Group NameAbdAlRhman Hamad Al Shdoukhy

Aiedh Nasser Al Bgomiy

Submittal to

Dr. Nasser Al JarAllah

SSaudi audi AArabia rabia IInsurance nsurance CoCompanympany

SSaudi audi AArabia rabia IInsurance nsurance CoCompanympany

SAICOSAICO))))

Introduction

SAICOSAICO))))

insuranceInsurance is about things we prefer not

to think about.It is about the unexpected; about

accidents and things that go wrong; the impact of criminal acts or ill-health; or even what mother nature has in store for us.

The future may hold both good times and bad times for individuals and organizations alike.

Why is

so important?

Security PlaceThe insurance market has developed to make

thoseconsequences manageable. The business struck

bycatastrophic fire can be rebuilt and continue to

serve itsclients if contingency plans and risk financing

are in place.Your family can be provided for if you are

injured in a major accident or ill-health.

SAICO• Mission and vision:

Our mission is to be recognized as a professional, well managed and successful gulf based financial services institution adhering to a consistent plan in our chosen markets and products, and to become the first choice for customers.

50 years

Objectives

Our most important asset is our people.

Our objective is to develop and nurture top quality and highly motivated professionals who share high ethical standards and are dedicated to the fulfillment of our mission.

SAICO

SAICO Group is the associate of Arab Commercial Enterprises (ACE) the longest established and one of the largest indigenous insurance organization in the region. Our group of companies includes Al Nisr Insurance Company and the Arab Japanese Insurance Company to Maximize our geographic and product coverage.

50 years

transacted

Our product portfolio is broad. We continually listen to what our customers tell us and develop types cover that address their needs.

Business

The types of risk that SAICO policies address include:• Property• Marine and Aviation• Engineering• Accident• Financial• Employee Benefits• Liability• others

DocumentDefinitions;1. accident: accidental injury or an accidental occurrence,

however, is expected during the period of insurance.

2. ill-health: disease that affects the insured person, and necessarily require access to medical treatment from a doctor licensed during the period of insurance.

3. Sensitivity: the individual sensors, in particular, for certain types:-

4. Beneficiary (insured) : a person covered by the system (the employee or dependent) on the agenda of insured persons annex to this document.

limitations and Exceptions

A. This document will not cover claims arising from the following:

(1) injury caused by the same person to deliberate. (2) diseases that arise due to the misuse of drugs or

stimulants or sedatives or by abuse of alcohol or drugs, or the like.

(3) treatment or cosmetic surgery unless necessitated by accidental bodily injury, however, are excluded in this section.

(4) comprehensive tests and vaccines, drugs or preventive methods that do not require medical treatment stipulated in this document .

(5) deal with pregnancy and childbirth for women with the contractor on the basis that they are not married .

A. This document will not cover claims arising from

the following(6) treatment received by the insured person is free of

charge.(7) and wellness programs, health and physical treatment

of the role of social welfare. (8) of any illness or injury arising as a direct result of

occupation of the person insured. (9) dealing with venereal disease or sexually transmitted

medically accepted.(10) All costs relating to the laying of the teeth or dental

prostheses, bridges fixed or mobile, calendar, except those caused by the foreign media violent.

(11) To correct the tests of hearing, or visual or audio means of assistance as required were not licensed doctor ordered.

A. This document will not cover claims arising from

the following(12) Expenses of the insured person has moved through

the transfer of non-local ambulances licensed or of the Saudi Red Crescent Society.

(13) Hair loss or baldness or wigs. (14) Psychological treatment to mental or neurological

disorders except for acute cases. (15) Tests the sensitivity of whatever nature other than

those related to drugs or the diagnosis or treatment. (16) Devices, methods and procedures or drugs, hormone

therapy or birth control in order to prevent pregnancy, or infertility, or his sexual impotence or lack of fertility or enriched by the pipes, or any other means of vaccination synthetic.

A. This document will not cover claims arising from

the following(17) Double or congenital malformation is before the

beginning of the entry into force of the document does not constitute a danger to life.

(18) Additional costs or expenses incurred by the utilities of the insured during the stay in hospital, except the expense of accommodation and subsistence in hospital facilities and one of the insured, mother to her child until the age of ten, or where necessary, according to the medical assessment of the treating physician.

(19) Dealing with pimples (acne), or any treatment related to obesity or obesity.

(20) Cases of organ transplantation and transferred bone marrow or organ transplant synthetic alternative to replace any member of the body.

B. This document will not cover the body returned to the original home in the case

of claims arising directly from:

(1) war.(2) Ion radiation or contamination by radioactivity.(3) characteristics of radioactive or toxic or explosive

or other hazardous properties of any nuclear or gatherings of any of the vehicles nuclear weapons.

(4) engage the insured person or his participation in the service of the armed forces, police or operations.

(5) Riots, strikes, terrorism or similar work.

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