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General Insurance About

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NAYA JEEVAN® is a not-for-profit social enterprise that is dedicated to rejuvenating the lives of low-income families throughout the emerging world by providing them with affordable access to quality, catastrophic healthcare.

Naya Jeevan offers its insurance program in Pakistan at subsidized rates under a novel national group health insurance model (underwritten by Allianz-EFU, IGI Insurance, and AsiaCare). At Naya Jeevan we work in collaboration with corporate, academic, and non-profit institutions so that we can catalyze a new wave of social responsibility that can be leveraged to realize a positive sustainable outcome for all stakeholders. We believe that philanthropy should not be a transient, ad-hoc event but be institutionalized as a fully integrated part of our society.

Naya Jeevan partners with your Organization to effect Social Change

Naya Jeevan is presently offering Naya Jeevan for Employees for corporations, Naya Jeevan for Kids for educational institutions and will soon be offering Naya Jeevan for Families for low-income families not directly affiliated with an organization. In addition Naya Jeevan also provides its group plan members with access to a host of critical Value Added Services including 24-hour Member Care, Health Rescue Fund, Naya Jeevan Sehat (health and wellness workshops) and Naya Jeevan Hunar (skill development and vocational training). We hope you will join us in this journey by investing in our future and through us the future of millions of others.

Artpreneurs For Change

Artpreneurs For Change is a collaborative project between Fulbright Alums, Naya Jeevan, NOWPDP, and Art Therapists aimed at providing a means of expression to children with disabilities. The work generated through this project will be used to insure children with disabilities through a managed care fund.

We want children with disabilities to participate in the stake of their own health and at the same time learn something new while having fun. Not only is art a form of expression that will help children showcase their feelings and ambitions but it is also a sustainable way of generating funds (at least some if not all) for their health needs. Follow the project at Artpreneurs for Change on Facebook.

General insurance or non-life insurance policies, including automobile and homeowners policies, provide payments depending on the loss from a particular financial event. General insurance typically comprises any insurance that is not determined to be life insurance. It is called property and casualty insurance in the U.S. and Non-Life Insurance in Continental Europe.

In the UK, insurance is broadly divided into three areas: personal lines, commercial lines and London market.

The London market insures large commercial risks such as supermarkets, football players and other very specific risks. It consists of a number of insurers, reinsurers, P&I Clubs, brokers and other companies that are typically physically located in the City of London. The Lloyd's of London is a big participant in this market.[1] The London Market also participates in personal lines and commercial lines, domestic and foreign, through reinsurance.

Commercial lines products are usually designed for relatively small legal entities. These would include workers' comp (employers liability), public liability, product liability, commercial fleet and other general insurance products sold in a relatively standard fashion to many organisations. There are many companies that supply comprehensive commercial insurance packages for a wide range of different industries, including shops, restaurants and hotels.

Personal lines products are designed to be sold in large quantities. This would include autos (private car), homeowners (household), pet insurance, creditor insurance and others.

ACORD [2] which is the insurance industry global standards organisation. ACORD has standards for personal and commercial lines and has been working with the Australian General Insurers to develop those XML standards, standard applications for insurance, and certificates of currency.

Market trends [edit]

USA was the largest market for non-life insurance premiums written in 2005 followed by the EU and Japan.