Emks-Website

Taglines for individuals: •

The insurance broker manages your risks, get you the best quotations, defend you in the case of conflict. Moreover, yes, it is a free service.

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Insurance broker is the bridge between your actual needs and what insurance companies offer.

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Innovative and individualized insurance solutions to save your time, money and reduce risks to minimal.

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Don’t be stressed, your insurance broker will cover your back.

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Understanding your needs, managing the risks, writing the terms, representing you in conflicts. That is what we do, and we do it for free.

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With over 20 years in the insurance field, we ensure that our clients get the most suitable insurance coverage tailored to fit their own needs.

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EMKS is an insurance brokerage firm cooperating with a number of different insurance companies, that can provide the widest range of insurance products.

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EMKS is able to provide a larger selection of products; that will be useful for locating a type of coverage that may be difficult to obtain.

Taglines for corporate: •

Save your investments.

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Bridging the gap between what you need and what insurance companies offer.

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Insurance broker helps you to identify and address the risks facing your business, and in doing so increase the likelihood of successfully achieving your business objectives.

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Insurance policies only have value if they are used effectively in combination with a total risk management plan, don’t bother yourself we handle the whole thing.

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You don’t pay for insurance broker services; they don’t add their fees to the quotation, yes it is totally free.

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From the consultancy to claims, our team is thoroughly dedicated to client service.

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Business is not risky if you are covered. Get the full insurance and risk management services for free and enjoy the peace of mind.

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With over 20 years in the insurance field, we help clients to identify new business opportunities and to overcome barriers to investment.

Insurance types: EMKS is a leading Egyptian company specialized in insurance brokerage and risk management, relying on a dedicated team highly trained and knowledgeable in their particular area of operation. EMKS can provide the widest range of insurance products and strategic risk management services solutions for individuals and business across all industries, our range of products including but not limited to:

For individuals:

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Home insurance Home insurance protects your buildings and/ or contents against physical damage to, or loss of, your property. If your property suffers from an accidental fire or an Earthquake and you did not have adequate property insurance, then most people would be financially ruined.

We help you to get the policy that protects your most important asset in case of the common risks such as Damage by Fire or Burglary & Theft. As well as helping you in identifying the uncommon risks such as political turmoil or wars and get you covered.

Bottom line; having an adequate home insurance will protect your home and its contents from common and uncommon accidents without paying too much.

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Life& Accident Insurance Most of us are familiar with the general insurance coverage plans that we buy as a good investment for the future, we buy life insurance to provide for our families after we have passed on, health insurance to cover against ill health. However, we help you in finding the suitable policy in addition to introducing the other policies, such as personal accident insurance plans which can be extremely beneficial in times of need.

Bottom line; You might not be able to avoid accidents, illness or death (god forbid) but you can certainly be protected against the financial consequences.

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Personal Auto Insurance

You might be careful in obeying traffic laws, but you never know when someone else will not and cause an accident that involves you. Then, mistakes do happen, and you never know when something may occur that you will be at fault. These are reasons why it is important to have auto insurance. However, auto insurance covers much more than just collisions. There are times when certain acts of nature may occur, such as a falling tree that may cause damage to an automobile, and it would cost too much.

Bottom line; the cost of an automobile insurance is minimal compared to what it would cost to fix an automobile on your own, and it ensures that you always get the premium service quality.

Now available online (banner )

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Travel Insurance Travel Insurance is the type of insurance that is intended to cover your life and health while traveling, the insurance cover accidental death, personal accident injury & sickness, medical expenses, emergency medical evacuation. The travel insurance policy is a short term& very cheap policy that can get you covered abroad.

An amount of 15% discount will be applied on submitting online travel insurance.

Bottom line; Life and health insurance policy doesn’t cover you while travelling, the travel insurance is a short term policy that extend you coverage abroad.

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Medical Insurance

It Is a type of insurance coverage that covers the cost of an insured individual's medical and surgical expenses. Depending on the type of health insurance coverage, in countries without universal health care coverage, such as Egypt, health insurance is commonly included in employer benefit packages and seen as an employment perk, but if you run your own

business or work as a freelancer or any other reason that you don’t have an adequate health insurance till now, EMKS will help you to get a suitable policy at a reasonable price.

Healthcare coverage is an every citizen's right.

Bottom line; Everybody at some time in their life, and often on many occasions, will need some kind of medical attention and treatment. When medical care is required, ideally the patient should be able to concentrate on getting better, rather than wondering whether he/she has got the resources to pay for all the bills.

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Any other types of insurance:

EMKS is an insurance brokerage firm cooperating with most of the Egyptian and international insurance companies operating in Egypt, and this enables you to benefit from the widest range of insurance products, and we definitely can help you in locating a special type of coverage that might be difficult to obtain.

Note: All Insurances are made through certified insurance companies, authorized by the Financial Supervisory General Authority.

Corporate:

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Marine & Inland Policy Inland marine insurance generally covers property that is movable or transportable in nature.

This covers the loss or damage of cargo transferred, acquired, or held between the points of origin and final destination. When goods are transported by mail or courier, shipping insurance is used instead.

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Hull & Machinery Insurance Hull & Machinery insurance is a fundamental protection of a vessel against damage. The vessel, including its machinery and equipment, is insured to the full value and depending on the chosen cover, the following risks may be indemnified: Total loss (actual or constructive) or expenses that might be incurred in repairing / replacing damaged parts of hull, machinery, and other equipment Expenses paid for prevention, minimizing of damages or calculation of loss, in case such expenses are caused by an insured peril, Vessel gone missing General Average contribution Salvage expenses, Apart from the risks mentioned, Hull & Machinery policy may also include additional cover, such as: Increased Value Insurance, Loss of Hire, War Risks, Fuel and Stores onboard, Cash onboard, Running Down Clause, Fixed and Floating Objects.

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Engineering Insurance Engineering insurance refers to the insurance that provides economic safeguard to the risks faced by the ongoing construction project, installation project, and machines and equipment in project operation. Product categories: Depending on the project, it can be divided into construction project all risks insurance and installation project all risks insurance; depending on the attribute of the object, it can be divided into project all risks insurance, and machinery breakdown insurance. Insurance Period will be the same as the construction period of the project.

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Cash Transit Insurance A Money Insurance olicy covers loss of business money when carried by the insured or other employees. Cash Transit Cover is not usually arranged separately from other business

insurances, and is often included in Package Insurances, and can be added to larger more complex business risks. However, if your business needs a separate Money insurance policy, EMKS can help you to obtain it.

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Fidelity Guarantee.

Fidelity Guarantee Insurance cover the loss or burglary of properties or cash while held by one of the trusted employees, it includes but not limited to the Money – Currency, bank notes, travelers checks, registered checks and money orders held for sale to the public.

Securities – Negotiable and non-negotiable instruments or contracts representing either “money” or other property, Any property other than money and securities – All tangible property other than money and securities. Computer equipment as an example.

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Fleet Insurance If your business runs more than one vehicle, you should consider a fleet insurance policy rather than a series of separate insurance arrangements for each vehicle. Insuring all your vehicles in one insurance policy will be a commercial contract, and it would be much cheaper in one hand. Moreover, on the other hand, a fleet insurance policy will give you the opportunity to insure all the drivers to take the wheel of any of the vehicles. This would boost flexibility and productivity and remove the need for any individual to have to wait for a particular vehicle to come back to base before he could go out on a job.

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Fire all risks policy

All risk protection covers the most common risks that could directly damage your property.Basic coverage includes risks such as fire, theft, vandalism, damage due to wind, certain types of water damage, falling objects, and a vehicle hitting your house. All risk protection also covers most accidents people don’t usually think of when buying insurance.

Note: All Insurances are made through certified insurance companies, authorized by the Financial Supervisory General Authority.

Introducing company: What do we do?

Insurance brokers act as intermediaries between clients, who can be either individuals or commercial businesses and organizations, and insurance companies. At EMKS, we use our in-depth knowledge of risks and hazards alongside our experience in the insurance market to find and arrange suitable insurance policies and cover. We always act in the interest of our clients and offer products from more than one insurance company to ensure that our clients get the best deal.

How do we do it?

We work closely with our clients to help them in each step, and what we do simply is the following: •

Advising our clients about the potential and uncommon hazards, and assist them to plan their risk management, according to each client needs.

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Then we find the best rate for policy that covers all the client’s needs with the lowest price, as we cooperate with almost all the insurance providers operating from Egypt.

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We make sure that all the terms are written in the policy clearly.

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We review the policy.

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Our reps collect the monthly installments from the clients and deliver it to the insurance company.

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We follow up with the client and provide them with quarterly reports on their insurance status.

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We follow up with the clients to get their claims, and advocate them in case of conflict.

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We don’t add any fees to the insurance policy

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We deliver claim Checks to clients.

How do we generate profit?

Now, that is a good question! The insurance brokerage firms share profit with the insurance companies. That means we don’t add any fees by any direct or indirect ways on the client, and if any client bought the same insurance product from the same insurance company directly without having a broker in the middle the client would pay by a higher price, and he will not take any additional services.

Myths and facts about insurance brokerage:

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It is cheaper to buy directly from an insurance company

Contrary to popular consumer belief, broker pricing is actually better than direct insurance pricing.

Because when you buy though an insurance broker you join a big portfolio of accounts, and you become a premium member. And by choosing a leader company in the insurance brokerage field that means you buy at the lowest price.

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It is easier to buy directly from an insurance company

The insurance broker will help you to know the risks and will explain each and every word written in the policy, the rep will collect the monthly installments from you wherever you are. And you will find us by your side in case of conflict.

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It is faster to buy directly from an insurance company

Signing some papers in the insurance company will surely be much faster than studying the potential risks and comparing the available products, but you may spend some more hours or days in the beginning to save a lot of weeks and months in negotiations for compensation.

• An insurance broker may sell some unwanted policy to the client Insurance broker doesn’t sell policies to the clients, we educate them about the risks and give them an advice. And contrary to this popular belief we help the client to get most of his needs covered by once policy.

About us.

Although EMKS is one of the leading, most professional, and an effective insurance brokerage firm in the insurance industry in Egypt, clients most frequently describe us as team members who make their business better, or help them to focus on what they do while handling the whole risk management thing. Energy, innovation, and broad expertise fuel our focus on solving clients’ problems and achieving real results. At EMKS, we focus all of our resources to do one thing: Making sure that you, your beloved ones and your investments are safe, all the time and in all circumstances we just ensure that you get the peace of mind.

We actively work with our client, minimizing their stress by managing the entire claim process. We advise as to necessary action, prepare and collate required documentation, ensuring a smooth settlement of the claim, in a manner that secure the customer’s rights in case of hazards.

EMKS calibers carry a legacy of more than twenty years in the Egyptian insurance market, and in 2014 the company was honored to be among the best insurance broker firm in Egypt.

Vision.

To provide Superior professional and personalized insurance brokerage services to our clients and to become the first choice in insurance brokerage, while maintaining our position as a leading knowledge-based and adaptable brokerage firm providing first-class and quality insurance and financial services to our customers.

Mission.

EMKS believes that insurance is essentially vital to modern life as everybody has full right to feel secure against any kind of risk, which is the core objective of insurance. Therefore, EMKS has trained and qualified calibers in various insurance-related activities. Such calibers have incorporated in departments of high technical levels to provide customers with added value services. EMKS management is keen to play a social role to spread insurance awareness among different social categories and to provide all kinds of insurance-related consultancy and services in a transparent manner that achieve customers' interest.

Values.

EMKS is a values base organization. Our values are Trust, Openness, Commitment, Teamwork, Transparency, Integrity, and Innovation. We apply these in every aspect of what we do, at all levels of the organization, whether we are dealing with our clients, suppliers, or coworkers.

Transparency is EMKS’s core value and the guiding principle for how we approach our work, business relationships, decisions, and actions. Here at EMKS, we are always conducting our business according to the highest ethical and legal standards.

Our services: When you choose EMKS you can benefit from each the following: •

Total risk management consultancy for business and individuals

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Best quotations in the market as EMKS is a premium partner for most of the insurance providers operating in the Egyptian market.

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Reviewing the insurance policies to be sure that client get the best coverage in the insurance market with the best rate.

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A network of customer service representatives for your convenience.

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Dedicated insurance agent for 365 days a year supporting you and giving advice

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Quarterly report on your claims history

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A specialized expert is defending your interest in the case of conflict with the insurance company.

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Following up and delivering the claim checks to clients.

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Managing and operating all insurance portfolios even if the policies were not issued by EMKS.

Claims We understand that the role of a good broker is much more than just designing the right insurance product and placing it at a keen price. We also offer our clients an in-house claims management team who liaise with insurers to negotiate claims.

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In the case of any accident, you are kindly requested to notify us as soon as possible so that we can set a dedicated staff member to follow up your case.

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Our calims department will help you in arranging your documents before submitting them to the insurance company to be sure of its accuracy.

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After finishing the required documents, our team will facilitate the process of claiming the indemnity.

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We shall be settling the claim checks with the insurance company and secure your rights to claim it as long as our company has issued the insurance policy.

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You shall get your claim checks within ten working days from the date of completing the required documents that shall be requested by our competent officer.

Departments & responsibilities • Technical and Risk Management: This department subtracting the risk should be covered according to the nature of the activity and the field works with each client to bring quotations of the best insurance companies operating in Egyptian market. And make sure there are better conditions and insurance coverage that guarantees the customer to get the best insurance policy.

• Claims Management: Specilaities in this department should settle claims and follow-up with the client in any of the different insurance companies immediately notified of the incident and organize of the file and validated before handing it over to the insurance company and follow up procedures for payment and delivery of checks of claims for the client.

• Administration Proceeding: This department allocating staff to follow client's business of insurance issues, delivery and receipt of the insurance company, it is responsible for the clients accounts in EMKS insurance brokerage company.

• Manage Customer Stats: This department work statistically every three months for the client on the total premiums paid, payment and under the settlement claims to account loss quarterly and annual rate.

• Financial Management: This department in pursuing client account with the insurance company to collect premiums and paid it in the insurance company abd deliver client payment receipt, letter from the insurance company stating oayment and validity of insurance coverage and follow-up credits and debits client account with the insurance companies.

 Customer care delegates All departments at EMKS are supported by a wide range network of delegates. The delegates are working fully on your convenience, they collect the payments from wherever you are periodically.

Moreover, they deliver the claim checks to your place after the settlement.