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,1,61,8,116,8","burning,22,1","burst,11,1","bus,11,1","business,4,8,5,1,6,7,7,2,20,1,29,1,35,1,37,1,317,6,318,6,319,6,320,6","businessprinciples,4,4","buy,8,1,12,1,23,2,27,1,31,2,34,1,317,1,318,1,319,1,320,1","c1,191,8,192,8,193,8,196,8,199,8,200,8,201,8,219,8","c2,194,8,197,8,202,8,203,8,204,8,205,8,220,8","c3,195,8,198,8,206,8,207,8","c4,208,8,209,8","c5,210,8,211,8","c6,212,8,213,8","c7,214,8,215,8","c8,216,8,217,8","c9,218,8","call,35,1,37,5","canadian,5,1","canteen,36,1","capacity,9,1","capital,6,1","care,5,3,6,5,15,5,22,1,23,4,32,1,35,1,36,2,37,3,137,8,317,4,318,4,319,4,320,4","cargo,18,1","caring,6,1,22,1","carried,20,1","carrier,18,1","carrying,6,1","cas,37,2","case,1,1,37,1","cash,20,1,29,1","cashier,20,1","cause,1,2","caused,1,1,9,1,10,1,11,2,18,1,26,1,29,1","center,36,1","ceo,6,1,19,1","certificate,1,3,18,1","cesarean,26,1","cfa,37,1","chairman,6,1,29,4,36,1,62,8,63,8","change,6,1","charset,34,1","chartered,6,1","chat,19,1","check,5,1,26,1,317,1,318,1,319,1,320,1","checkup,9,1","cheques,20,1","children,4,1","chilled,9,1","china,5,1","choice,15,2,19,2","choose,15,1","choosing,19,1","chosen,6,1","christmas,36,1","circle,272,8,273,8,274,8,275,8,276,8,277,8,278,8,279,8,280,8,281,8,282,8,283,8,284,8,285,8,286,8,287,8,288,8,289,8,290,8,291,8,292,8,293,8,294,8,295,8,296,8,297,8,298,8,299,8,300,8,301,8,302,8,303,8,304,8,305,8,306,8,307,8,308,8,309,8,310,8,311,8,312,8,313,8,314,8,315,8","cities,9,3,19,1","citizens,37,1","citizenship,36,1","city,12,2,31,2,34,2","civic,36,1","civil,11,1,26,2","claim,1,2,3,2,10,2,11,2,18,2,20,2,21,2,26,1,38,2","claims,7,1","class,29,1,32,1","clearance,11,1,38,1","clich,6,1","client,5,5,9,1,29,1,37,1","clientprofile,5,4,130,8","clients,5,1,6,2,12,1,25,2,29,1,31,1","clinic,26,1","clinics,9,2","clip,40,8,41,8","clock,37,1","close,6,1","closely,36,1","club,36,2","co,5,3,6,1,7,2,31,1,35,2","coaching,6,1","code,5,1,29,1","coffee,5,1,19,1,92,8","colabration,36,1","collapse,11,1","collection,4,1,317,2,318,2,319,2,320,2","collision,18,1","colonial,6,1","colonized,6,1","colorful,6,1","com,7,3,9,2,30,1,32,2,34,1,317,3,318,3,319,3,320,3","combustion,11,1","comment,37,1","comments,29,1","commercial,6,1,29,1","commercially,4,1,317,3,318,3,319,3,320,3","commis,3,1","commission,26,1,31,1","commited,6,1","commitment,6,3,19,2","commitments,6,1,37,1","committed,15,5","committee,36,2","committees,4,1","commotion,11,1,26,1","communicate,9,1","communication,37,1","community,4,1,6,1,36,1,317,2,318,2,319,2,320,2","companies,5,1,6,1,23,2,32,1,317,1,318,1,319,1,320,1","company,4,3,5,1,6,11,19,1,25,2,23,4,29,6,36,1,317,5,318,5,319,5,320,5","companyprofile,6,4,68,8,131,8","compensation,20,1","complete,9,2","completed,1,1,3,1,10,1,11,1,18,1,20,1,21,1,38,1","complex,25,1","comprehensive,21,2","comprhensive,21,2","compute,8,1,23,2,27,1,317,1,318,1,319,1,320,1","computerized,37,3","concentrated,25,1","concern,22,1","concerned,10,1","concerns,4,2","condition,1,1,3,1,10,1,11,1,18,1,20,1,21,1,38,1","conditions,6,1,36,1","conducted,29,1","confidence,29,1","confirmation,1,1","conflict,4,1,317,3,318,3,319,3,320,3","congratulate,29,1","connection,26,2,38,1","conpage,317,1,318,1,319,1,320,1","conscious,4,1","conservationists,6,1","consideration,4,1,317,2,318,2,319,2,320,2","considered,6,1","consists,25,1","construct,25,1","constructed,25,1","construction,5,6","constructive,29,1","contact,1,1,3,1,4,1,5,1,6,1,7,8,8,2,9,4,10,1,11,1,12,2,14,1,16,1,17,1,18,1,15,1,19,1,20,1,21,1,22,2,24,1,23,3,25,1,26,1,27,2,28,1,29,1,168,8,169,8,170,8,171,8,172,8,173,8,174,8,175,8,176,8,177,8,178,8,179,8,180,8,181,8,182,8,183,8,31,1,32,1,35,1,36,1,37,1,38,1,184,8,185,8,317,1,318,1,319,1,320,1,323,8,324,8,325,8,326,8,327,8,328,8,329,8,330,8,331,8,332,8,333,8,334,8,335,8,336,8,337,8,338,8,339,8","contacted,34,1","contactus,7,4","content,34,1","continue,25,1","continued,29,1","continuous,29,1","continuously,6,1","contributed,26,1","contributes,36,1","contribution,29,3","contributions,22,1","control,26,1,36,1","conventions,36,1","converted,47,8","coordinato,7,1","coordinator,7,3","copy,1,1,3,1,4,1,5,1,6,1,7,1,8,1,9,1,10,1,11,1,12,1,14,1,16,1,17,1,18,2,15,1,19,1,20,1,21,2,22,1,24,1,23,2,25,1,26,1,27,1,28,1,29,1,32,1,35,1,36,1,37,1,38,1,65,8,66,8,67,8,68,8,69,8,77,8,108,8,113,8,114,8,127,8","corner,4,1,32,1,317,3,318,3,319,3,320,3","corp,32,1","corporate,7,1,35,1,36,2,37,2","corporation,5,3,6,1","cos,5,1","cosmetic,26,1","cost,9,1,26,1,29,1,37,1","could,9,1","counselling,36,1","country,7,1,12,1,31,1,34,1,35,3","course,22,1,31,1","court,1,1","cover,1,2,3,1,8,1,9,10,10,1,11,3,18,3,21,6,23,2,26,1,27,1,34,1,35,1,37,1,38,1,317,1,318,1,319,1,320,1","coverage,12,1,22,2,26,1","coverages,8,1,9,1,23,2,27,1,317,1,318,1,319,1,320,1","covers,1,1,9,3,14,1,31,1,37,1","crbc,5,1","create,36,2,37,1","credit,9,2","critically,19,1","cup,19,1","currency,20,1","current,20,1","currently,25,1,35,1","customer,5,1,6,2,23,2,317,1,318,1,319,1,320,1","customers,4,1,5,4,6,1,9,2,23,4,37,5,317,6,318,6,319,6,320,6","daily,37,2","dallas,7,1","damage,11,3,18,2,21,4","damaged,25,1","dangerously,6,1","dar,25,2,35,1","dashen,5,2,6,1,93,8","data,37,1","date,6,1,24,1","dawa,25,1,35,1","day,9,1,37,1","days,37,2","deadly,36,1","dealings,37,1","dear,19,1,22,1","death,1,2,21,1,38,1","debtors,29,1","decentralized,6,1","declaration,3,1,6,1,11,1,36,1,38,1","declared,26,1","dedication,6,1","deductibles,11,1,38,1","deep,29,1","defect,9,1","degree,6,2","delighted,29,1","delivered,37,1","delivering,6,1","demissie,7,1","demonstrates,37,1","demssie,6,1","dental,26,1","dependents,6,1","depends,9,1","derived,29,1","deserving,6,1","design,5,1","desire,22,1","desired,29,1","despite,22,2","dessie,7,1,25,1,35,1","detailed,35,1","details,8,1,9,1,12,4,22,2,23,2,26,1,27,1,31,3,317,1,318,1,319,1,320,1","developed,25,1","development,5,1,6,2,7,3,25,1,35,1","developments,36,1","devonshire,32,1","devoted,6,1","diagnosis,26,1","dialogue,36,1","diaspora,8,4,27,4","diasporamain,8,4","diasporas,8,1,9,1,22,5,27,1","different,9,1","digital,5,1","dilla,7,1,35,2","diploma,6,1","dire,25,1,35,1","direct,1,1","directives,29,1","directly,26,2","director,6,1,7,1,19,1,29,1,35,1,37,1","directors,6,2,29,5","directorsreport,316,4","diredawa,7,1","disability,1,1","disable,1,1","disablement,26,1","discharged,22,1","disciplinary,4,1,317,2,318,2,319,2,320,2","disclosures,29,1","disease,9,1","diseases,38,1","dishonesty,10,1","dispenser,36,1","disporaside,190,8","dissipation,26,1","distribute,36,1","divercity,5,2,23,4,317,2,318,2,319,2,320,2","djibouti,5,1","document,1,1,9,1","documents,1,1,3,1,10,2,11,1,18,1,20,1,21,1,38,1","doubly,6,1","down,228,8,230,8,232,8,234,8,236,8,239,8,241,8,243,8,245,8,247,8,249,8,252,8,255,8,257,8,259,8,262,8,265,8,267,8,269,8","drinks,5,1","driver,21,1,37,1","driving,21,1","drop,37,1","drunkenness,26,1","due,9,1,22,1,31,1","duly,1,1,3,1,10,1,11,1,18,1,20,1,21,1,38,1","dur,38,1","during,6,1,9,1,26,1,29,2","dwsitecolumnsme,367,8","dynamic,6,1","eacute,6,1","earned,6,1","earthquake,11,1","east,5,1,7,1,35,1","easteren,7,1,35,1","ec2m,32,1","economic,4,1,6,1,29,1","economically,25,1","economy,6,1","educate,36,1","education,4,1,6,2,22,1","educational,9,1","effective,9,1","effectiveness,29,1","efficency,9,1","efficent,5,1,23,2,317,1,318,1,319,1,320,1","efficient,29,1,37,1","either,20,1","elfora,5,1,94,8","email,317,1,32,2,34,1,70,8,318,1,319,1,320,1","embassies,5,1","embassy,5,5","emergency,37,1","employee,10,1","employees,4,3,317,8,318,8,319,8,320,8","employers,36,1","employment,4,1,38,1","enabling,37,1","encourage,5,1,25,1,317,1,36,1,37,1,318,1,319,1,320,1","ended,29,3","endorsement,1,1,11,1,18,1,21,1","endowment,9,1","enemy,26,1","eng,71,8","engage,4,1,317,2,318,2,319,2,320,2","engaged,38,1","engine,368,4","engineering,12,1,14,1,31,1","enhance,4,1","enhanced,6,1","enhancement,37,1","ennyala,317,1,318,1,319,1,320,1","enquire,5,1","ensure,6,2,36,1","enter,13,1","enterprise,5,1","entertainment,22,1","entry,3,1","environment,4,2,29,1,36,1","eod,34,1","equate,37,1","equatorial,5,1","equipment,37,1","equitable,4,1","erku,6,1,7,1","est,29,1","established,6,2,19,1","establishment,6,3","estafricanre,72,8","estate,25,2","estimate,8,1,23,2,27,1,317,1,318,1,319,1,320,1","estimates,29,1","estimed,5,1,23,2,317,1,318,1,319,1,320,1","ethio,5,2","ethiodream,5,1","ethionet,7,1,317,1,30,1,34,1,318,1,319,1,320,1","ethionyal,73,8","ethiopia,5,34,6,4,7,7,9,5,12,1,15,8,19,1,22,1,26,1,29,2,317,1,31,1,34,1,35,2,37,1,318,1,319,1,320,1","ethiopian,6,2,19,1,22,2,36,2,42,8","ethiopians,6,2,22,1","evaluating,29,1","event,20,1,36,1","eventually,19,1","evidence,11,1,29,1,38,1","examination,1,1","examine,19,1","examining,29,1","example,13,1","except,6,1,26,1","excess,21,1","exchange,36,1","excluding,31,1","exclusions,9,1,26,2","existing,6,1,37,1","expects,4,1,317,3,318,3,319,3,320,3","expense,6,1","expenses,1,1,9,2,26,3","explosion,11,1","express,29,3","extend,29,1","extended,1,1,11,1,18,1,21,1,22,2","extension,21,1","external,1,1,10,1,20,1","extinction,6,1","eye,26,1","eyeglass,26,1","eyob,6,1,7,1","ezra,7,1,12,1,31,1","eztesh,7,1","f2,203,8,207,8,209,8,211,8,213,8,215,8,217,8","f3,204,8","f4,205,8","facility,36,1","fact,22,4","facto,22,1","factory,74,8","facts,22,1","fair,4,1","fairly,29,1","faithfully,6,1","families,19,1,22,1","family,22,2,26,1,36,6,75,8","familyhood,36,1","faq,1,1,3,1,4,1,5,1,6,1,7,1,8,3,9,6,10,1,11,1,12,3,14,1,16,1,17,1,18,1,19,1,20,1,21,1,22,3,24,1,23,1,25,1,26,3,27,3,28,1,29,1,32,1,35,1,36,1,37,1,38,1,132,8","faqs,9,4,15,1","far,29,1","farm,76,8","favorable,4,1,29,1,317,3,318,3,319,3,320,3","fax,5,15,7,12,12,2,317,1,31,2,34,2,35,3,316,4,318,1,319,1,320,1","features,15,1,37,5","federation,36,1","fee,31,1","feedbacks,29,1","feel,22,1","fellow,6,1,29,2","fidelity,10,8,12,1,14,1,31,1,77,8,117,8","fields,12,1,31,1","fight,36,1","fill,8,1,9,1,12,1,22,1,27,1,31,1","final,18,1","finance,5,3,6,1,7,2,35,1","financial,4,1,6,1,25,1,29,9,317,3,318,3,319,3,320,3","financially,32,1","fine,6,1","fire,9,2,11,11,12,1,14,2,18,1,21,5,31,1,34,1,38,1,78,8,118,8","first,15,1","fitness,36,1","five,22,1","flat,12,1,31,1,34,1","flood,11,1",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0,8,201,8,202,8,203,8,204,8,205,8,206,8,207,8,208,8,209,8,210,8,211,8,212,8,213,8,214,8,215,8,216,8,217,8,218,8,219,8,220,8","pharmacies,9,2","pharmacy,9,1","php,30,8,34,4","physical,26,1","physically,36,1","physicians,5,1","pic,67,8,112,8","pipes,11,1","place,9,1,19,1,37,1,38,1","placement,29,1","plan,29,1","planning,26,1","plantation,5,1","played,6,1","player,36,1,129,8","plc,5,8","pledge,6,1","plot,25,1","plots,25,1","po,32,1","point,6,1","police,1,1,3,1,10,1,11,1,20,1,21,1,38,1","policies,4,1,6,1,9,1,12,1,31,1","policy,6,1,9,3,37,3","policyholders,37,1","political,4,1,317,3,318,3,319,3,320,3","position,29,1","positions,10,1","positive,22,2,29,1","post,30,1,34,26","postages,20,1","postal,20,1","postmortem,1,1","potential,5,1,317,1,36,1,37,2,318,1,319,1,320,1","power,26,1","practical,37,1","practice,4,1,6,1,317,3,318,3,319,3,320,3","practices,6,1,29,1","pregnancies,9,1","pregnancy,26,1","preliminary,18,1","premises,3,1,20,1","premium,8,1,9,3,11,1,12,1,21,1,23,2,26,5,27,1,317,1,31,1,34,1,38,1,318,1,319,1,320,1","prepared,37,1","present,5,1,23,2,317,1,29,2,318,1,319,1,320,1","presentation,29,1","presented,9,1,36,1","presently,6,1","preservation,4,1","prevailed,6,1,29,1","prevalence,36,1","prevent,36,1","prevention,36,6","previous,29,1","price,9,1","principles,4,6,6,1,29,1","print,34,1,316,4","prior,9,1,26,2,37,1","private,6,2,29,1","processes,37,1","processing,37,1","prod,115,8,116,8,117,8,118,8,119,8,120,8,121,8,122,8,123,8","product,9,1,147,8,148,8,149,8,150,8,151,8,152,8,153,8,154,8,155,8,156,8,157,8,158,8,159,8,160,8,161,8,162,8,163,8,164,8,165,8,166,8,113,8,114,8,139,8,140,8,141,8,142,8,143,8,144,8,145,8,146,8","production,6,1","products,1,2,3,2,4,1,5,3,6,1,7,1,8,1,9,4,10,2,11,2,12,2,14,7,16,1,17,5,18,2,19,1,20,2,21,2,22,1,24,1,23,1,25,1,26,1,27,1,28,1,29,1,32,1,35,1,36,1,37,1,38,2","professional,36,1","professionaly,32,1","profile,5,5,6,7,32,1","profiles,6,2","profit,29,1","profitability,6,1,29,1","program,5,1,6,1","programe,32,1","progress,15,1","projects,25,3","proliferating,6,1","promise,37,3","promises,37,1","promote,4,3","prompt,1,1,3,1,10,1,11,1,18,1,20,1,21,1,37,1,38,1","pronounce,19,1","properties,9,2,25,1","property,3,1,8,2,9,1,11,1,12,1,15,4,21,1,23,4,27,2,317,2,31,1,34,1,35,1,318,2,319,2,320,2","protect,4,1,22,2,31,5,34,1,35,1,37,1,137,8","protected,6,1","protecting,6,2,34,1","protection,4,1,5,3,6,6,14,1,15,9,22,1,23,4,25,3,317,6,34,1,35,1,37,5,318,6,319,6,320,6","protection”,19,1","protectyourlovedones,124,8","protest,18,1","provide,4,1,9,1,12,1,14,1,15,5,22,1,317,1,36,1,318,1,319,1,320,1","provided,5,1,13,1,317,1,318,1,319,1,320,1","providers,9,1,29,1","provides,3,1,10,1,11,1,18,1,20,1,21,3,29,1,37,1,38,1","providing,5,1,6,1,23,2,317,1,36,1,37,2,318,1,319,1,320,1","provisions,4,1,29,2","prudent,29,1","prudently,5,1,317,1,318,1,319,1,320,1","public,6,2","publicity,4,1,317,3,318,3,319,3,320,3","published,24,1,317,1,318,1,319,1,320,1,23,1","purchase,3,1,11,1,25,1,37,1,38,1","purchased,8,1,25,1,27,1,317,1,318,1,319,1,320,1,23,2","purpose,37,1","pursuant,29,1","pvt,5,1","q1,9,1","q10,9,1","q2,9,1","q3,9,1","q4,9,1","q5,9,1","q6,9,1","q7,9,1","q8,9,1","q9,9,1","qualified,6,1","queen,6,1","queens,32,1","query,37,1","quotation,9,1","r1,191,8,199,8","r2,192,8,200,8","r3,193,8,194,8,195,8,201,8,202,8,203,8,204,8,205,8,206,8,207,8,208,8,209,8,210,8,211,8,212,8,213,8,214,8,215,8,216,8,217,8,218,8","r4,196,8,197,8,198,8,219,8,220,8","rainbow,5,1,100,8","raising,36,1","range,18,1","rate,8,1,27,1,317,1,318,1,319,1,320,1,23,2","rdquo,8,2,22,1,27,2","reader,43,8,44,8","real,25,2","realization,6,1","really,22,1","reasonable,29,2","reasons,6,1","rebellion,26,1","receipt,9,1","receive,19,1,23,1","received,9,1","receiving,18,1","reciprocate,22,1","recognition,6,1","recognize,6,1","recognizes,4,1,317,1,318,1,319,1,320,1,23,2","recommend,29,1","recruit,6,1","reduced,29,1","refer,19,1","referred,29,1","regime,6,1","regions,35,1","registered,6,1","reinsurance,32,2","reinsurerprofile,69,8,134,8","reinsurers,29,1,32,13","related,4,1,9,1,26,2,317,3,29,1,318,3,319,3,320,3","relates,29,1","relationship,19,1,29,1","relative,9,1","relatives,9,1,22,1","relaxing,36,1","reliable,15,5","relief,5,1","rental,25,1","report,1,1,3,1,10,2,11,2,18,2,20,2,21,1,29,10,38,2","reports,29,1","representation,15,5,19,1","reputed,32,1","request,8,1,9,1,27,1,31,1","requested,37,1","require,29,1","required,4,1,10,1,12,1,317,3,31,1,318,3,319,3,320,3","requirement,8,1,27,1,317,1,318,1,319,1,320,1,23,2","requiring,37,1","resource,6,2,7,2,35,1","resources,6,1,19,1","respect,21,1","respects,29,1","response,22,1,31,1","responsibilities,4,1,22,1,317,2,318,2,319,2,320,2","responsibility,4,2,317,4,29,2,318,4,319,4,320,4,23,2","responsible,4,1,317,3,318,3,319,3,320,3","responsibly,5,1,6,1,317,1,318,1,319,1,320,1","rest,37,1","result,33,1","resulting,26,3","results,29,1,33,8","revenue,20,1","review,29,1,36,1","revolution,26,1","righ,148,8,149,8,150,8,151,8,152,8,153,8,154,8,155,8,156,8","right,4,1,8,1,27,1,146,8,147,8,157,8,317,4,113,8,139,8,140,8,141,8,142,8,143,8,144,8,145,8,318,4,319,4,320,4,23,4","rights,4,1","rings,37,1","riot,11,1,18,1,26,1","risk,6,3,7,1,8,1,18,1,27,1,317,1,29,1,37,1,318,1,319,1,320,1,23,2","risks,36,1","road,5,1,25,1,32,2,37,1","role,6,1","root,5,1","roots,22,1","rotecttion,32,1","round,37,1","routine,6,1,37,1","royal,101,8","rsquo,23,2","ruaria,32,1","sales,3,1,11,1,38,1","same,29,1","satellite,35,1","satisfaction,15,1,37,2","saturday,37,1","saturdays,37,1","say,19,1,22,1","sc,5,1","schedule,9,1","school,6,1","script,13,1","seal,317,1,34,1,37,1,318,1,319,1,320,1","search,33,4,368,12,369,8","seattle,7,1","secretary,6,1","sector,6,1,25,1","secure,36,1","see,8,1,12,3,14,1,22,1,27,1,317,1,31,2,36,1,318,1,319,1,320,1,23,2","seedex,5,1","sefer,7,1,35,1","seid,6,1","selassie,29,1","select,9,1,12,2,31,2","selected,9,2","selectothers,34,1","selectpa1,34,1","senay,7,1,19,1","senaye,6,2","sendmailprotect,34,4","sensitive,4,2","september,24,1,29,2","serve,15,1,37,1","served,9,2","service,1,1,3,1,4,1,5,2,6,2,7,5,8,2,9,7,10,1,11,1,12,1,14,1,16,1,17,1,15,5,18,1,19,3,20,1,21,1,22,1,24,1,25,1,26,1,27,2,28,1,317,2,29,2,32,1,35,10,36,1,37,17,38,2,318,2,319,2,320,2,23,3","services,5,2,6,1,8,4,14,1,27,4,317,2,32,1,318,2,319,2,320,2,23,2","serviceunits,35,4","serving,19,1,25,1","session,37,1","settle,11,1,38,1","settled,11,1,21,1,38,1","settlement,1,1,3,1,10,1,11,1,18,1,20,1,21,1,38,1","setup,37,1","sever,4,1,317,2,318,2,319,2,320,2","shall,1,1,4,3,9,3,22,2,317,7,31,2,318,7,319,7,320,7,23,2","share,29,2","shareholders,4,1,317,3,29,3,318,3,319,3,320,3","sheba,6,1","shell,5,1","sheraton,5,1,36,1","shield,6,4,125,8,362,8","shiferaw,6,1,7,1","short,6,1","shortly,16,1,17,1,28,1","should,11,1,21,1,22,1,31,1,37,1,38,1","shoulder,4,1,317,1,318,1,319,1,320,1,23,2","show,9,1,22,1","shown,6,1,9,1","shows,9,1","shraton,102,8","shy,1,1,3,1,21,1,29,2,38,2","sick,1,1","sickness,26,2","sidebarsmall,221,8","sign,59,8,62,8","signed,37,1","significant,29,1","signifies,6,3","sincerely,19,1","sion,3,1","sister,7,2,35,2","site,368,4","size,5,1,317,1,318,1,319,1,320,1,23,2","skies0003,42,8","smep,37,1","social,4,1,317,1,36,5,318,1,319,1,320,1,23,2","socialist,6,1","socially,4,1,317,3,318,3,319,3,320,3","socialpar,36,4","societies,36,1","society,4,1,317,1,318,1,319,1,320,1,23,2","socio,4,1","soft,5,1","software,37,1","soon,22,1,31,1,34,1","south,32,1","spacer,167,8,186,8,222,8,363,8","speak,4,1,317,3,318,3,319,3,320,3","special,4,1,8,1,9,1,27,1,317,1,36,1,318,1,319,1,320,1","sponsor,12,1,31,1","sponsored,36,1","sponsorship,36,1,126,8","spontaneous,11,1","spread,36,1","square,32,1","stackholders,37,1","staff,6,8,15,5,19,1,29,3,36,9,37,2,127,8","staffs,6,1","stakeholders,29,1","stamp,37,1","stamps,20,1","standard,5,1,317,1,37,3,318,1,319,1,320,1,23,2,368,4","standards,29,3","starts,37,1","state,6,1,12,1,15,5,19,1,31,1,34,1","stated,4,1,9,1","statement,3,1,10,1,20,1,29,2","statements,6,1,29,7","status,9,1","stay,22,1","steckholders,6,1","steel,5,1","steps,9,1,37,1","sterilization,26,1","stock,3,1,11,1,38,1","stolen,20,1","stones,4,1,317,3,318,3,319,3,320,3","stop,22,1","store,11,1,25,1","stores,18,1","story,25,1,23,6","straight,6,1","strategy,6,1,25,1","street,7,7,25,1,32,1","strength,6,1,25,1","strike,18,1,26,1","strong,29,1,32,1","students,37,1","subject,34,2","subsequent,36,1","subsidence,11,1","success,29,1","suffering,38,1","suicide,9,1","sum,26,1","sunshine,5,2","superimposed,6,1","support,5,1,317,1,29,1,36,2,318,1,319,1,320,1,23,2","supporting,29,1","supports,29,1","surgery,26,1","survey,8,1,18,2,27,1,317,1,318,1,319,1,320,1,23,2","sustainable,29,1","sustained,26,1","swiss,32,2,103,8","swissre,128,8","system,6,2,15,5,19,1,37,1","systems,19,1","t3,223,8","table,9,1","tag,37,1","tags,37,1","take,29,1,36,1","taken,6,1,9,1","takes,9,1","talking,37,1","tana,7,1,35,1","tea,5,1","team,6,1","technical,5,1,7,1,35,1","technology,6,1","teferawork,7,1,12,1","teferaworkassefa,7,1","tel,5,30,7,12,12,2,317,1,31,2,32,5,35,3,37,1,318,1,319,1,320,1","telecom,5,1","telephone,34,2,37,1","tells,6,1,22,1","tempest,11,1","temporarily,25,1","tennis,36,1,129,8","term,6,1,9,1","territorial,21,1,26,1","teshom,6,1","teshome,7,2,12,1,31,1","test,29,1","testing,26,1","text,34,1","thank,15,1,34,5","thanks,6,1,29,2","theft,3,1,18,1,21,5","thereby,25,1,37,1","therefore,6,2","thereto,29,1","third,21,10","those,15,1,22,2,29,1,37,1","three,23,2","through,4,1,7,1,9,1,21,1,32,1,36,1,37,3","thus,5,1,317,1,318,1,319,1,320,1","tibebe,6,1","time,22,1,37,1,38,1","timely,6,1","title,23,4","tokyo,5,1","tone,29,1","total,9,1,19,1,26,1","towards,6,1","town,12,2,25,1,31,2,34,2","towns,9,3,25,1","trade,29,1","trading,5,1","traditional,6,1","training,6,3","transfer,31,1","transited,18,1","transparent,37,1","transport,5,4","travel,5,3,8,2,27,2,28,5","travels,5,1","treatment,26,2","treaty,32,1","trees,6,1","truck,18,1","trust,3,1,10,1","tunisia,5,1","turkish,5,1","two,32,1,23,2","txt,30,4,68,8,69,8,130,8,131,8,132,8,133,8,134,8","type,34,1","types,9,1","unanswered,37,1","uncontrollable,6,1","undeclared,26,1","under,26,1,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arrFiles=new Array();arrFiles[0]=new Array(1,"accident.htm","2005-06-23","Nyala Insurance Accident Insurance","","","PRODUCTS ይህ ውል በድንገተኛ በውጫዊና በአይን በሚታይ አደጋ ሳቢያ በሚደርስ የአካል መቁሰል አደጋ ምክንያት የሚመጣ የአካል ጉዳት ወይም ሞትን የሚሽፍን ሲሆን ይህ የአካል መቁሰል ግን ለደረሰው የአካል ጉዳት ወይም ሞት ብቸኛና ቀጥተኛ መንሰኤ መሆን አለበት፡፡ የመድን ሽፋኑ በተጨማሪ ውል ለህመምተኞች የህክምና ወጪ እንዲሽፍን ሊደረግ ይችላል፡፡ የጉዳት ካሳን በፍጥነት ለመክፈል መሟላት ከሚገባቸው ማስረጃዎች መካከል፣ በአግባቡ የተሞላ የአደጋ ማስታወቂያ ቅፅ የህክምና ፈቃድ ማስረጃ የሐኪም የአካል ጉዳተኝነት ማስረጃ ተሟልተው መቅረብ አለባቸው፡፡ የሞት አደጋ በሚደርስበት ጊዜ ደግሞ በተጨማሪ የፖሊስ ሪፖርት የሬሳ ምርምራ ሰርተፊኬት ከፍርድ ቤት የተሰጠ የወራሽነት ማስረጃ ተሟልተው መቅረብ አለባቸው፡፡ Covers bodily injury caused by violent accidental external and visible means, which injury shall independently of any other cause be the direct and immediate cause of death, loss, or disable­ment. The cover can be extended by endorsement to cover medical expenses for illness Documents and condition to be fulfilled for prompt claim settlement includes Duly completed claim notification form Sick leave certificate Permanent Disability Certificate In the case of death Police Report Postmortem examination certificate Heirs Court confirmation document . Home | About Us | Products | Service Units | FAQ | Contact Us ©2005 Nyala Insurance S. C.",22);arrFiles[1]=new Array(2,"arrows.gif","2000-10-25","arrows.gif","","","",1);arrFiles[2]=new Array(3,"burglary.htm","2005-06-23","Nyala Insurance Burglary Insurance","","","PRODUCTS ይህ ውል የመድን ገቢው ንብረቶች ወይም በመድን ገቢው ቤት አደራ ወይም በኮሚሽን የተቀመጡ ንብረቶች ሀይልን ተጠቅሞ በመግባት ለሚደርስ ዘረፋ የመድን ሽፋን ይስጣል፡፡ Provides cover for property belonging to the insured, held by insured in trust or on commis­sion whilst within the premises, against theft following forcible entry. የጉዳት ካሳን በፍጥነት ልመክፈል መሟላት ከሚገባቸው ማስርጃዎችና ቅድመ ሁኔታዎች መሀክል፣ በአግባቡ የተሞላ የአደጋ ማስታወቂያ ቅፅ የፖሊስ ሪፖረት በጥበቃ ሰራትኞች የተሰጠ የፅሁፍ መግልጫ የንብረት ዝርዝር ማስታወቂያ የሂሳብ መዛግብት የሽያጭና የግዢ ደረሰኞች ተሟልተው መቅረብ አለባቸው Documents and condition to be fulfilled for prompt claim settlement includes, Duly completed claim notification form Police report Statement given by the watchman Stock declaration Books of account Sales and purchase invoice Home | About Us | Products | Service Units | FAQ | Contact Us ©2005 Nyala Insurance S. C.",19);arrFiles[3]=new Array(4,"businessprinciples.htm","2005-06-23","Nyala Insurance Business Principles","","","BUSINESS PRINCIPLES Nyala Insurance insists that HONESTY and INTEGRITY . Must be the corner stones of its business operations and expects some from its business associates. Employees are required to avoid conflict of interests and improper practice related to financial interest. Collection and malpractice of responsibilities will be liable to sever disciplinary measures. The Company shall always act commercially and operate within the national laws in socially responsible manner but, avoiding participation in any political matters. However, it is its legitimate right and responsibility to speak out publicity on matters that affect the interest of its Employees, Customers, and Shareholders. It shall also give favorable consideration to employees who wish to engage in their community activities so long as found appropriate and does not adversely affect its operations and stated business principles. The Company recognizes that it is its self interest to operate within the mandate interested to it by society and shoulder its social responsibility, accordingly it shall. Promote fair, just and equitable employment policies. Promote and be sensitive to the preservation and protection of the natural environment. Be sensitive to and conscious of gender interests and concerns. Provide and protect the neglects of children and other volunteer groups. Enhance and promote the rights and participations of the committees it operates. Through special budgeting provisions, the Company participates in such socio-economic concerns such as HIV/AIDs, health, education and environment. . Home | About Us | Products | Service Units | FAQ | Contact Us ©2005 Nyala Insurance S. C.",18);arrFiles[4]=new Array(5,"ClientProfile.htm","2005-06-23","Nyala Insurance Client Profile","","","CLIENT PROFILE Hotels & Travel | Construction | Finance | Agro Industry | Transport | Manufacturing | Mining Over the last 10 years, Nyala Insurance s.c. has been providing high standard and efficent CARE and PROTECTION services with unquestionable integrity and honecty to its estimed customers. At present, our company is one of the best insurance Companies iterms of:Nation wide and divercity of Care and Protection service; size and divercity of customers; and winning and maintaing customer \'s support and loyality. Thus, We encourage visitors and potential customers to check on our CARE & PROTECTION services that are prudently and responsibly provided. You may wish to enquire any or all of the following customers: Some Of Our Major Clients Are: i. Hotels & Travels Sheraton Addis P.O. Box 6002, Woreda 14, Kebele 24 Tel: 251-1-171717 Fax:251-1-172727 Addis Ababa, Ethiopia; www.luxurycollection.co Rainbow Travel P.O. Box: 9254, Tel: 251-1-513755 Fax:251-1-512244 Addis Ababa, Ethiopia; ii. Construction MIDROC Construction Ethiopia , P.O. Box 16960, Woreda 19, Kebele 50 Tel: 251-1-510899 Fax:251-1-653113 Addis Ababa, Ethiopia; CRBC China Road & Bridge Corporation (Ethiopia Office) P.O. Box: 12801, Tel: 251-1-182931 Fax: Addis Ababa, Ethiopia; VARNERO Georn. Luigi VARNERO Plc. P.O. Box: 3118 Tel: 251-1- 514511 Addis Ababa, Ethiopia; SUNSHINE SUNSHINE CONSTRUCTION P.O. Box: , Tel: 251-1- Fax: Addis Ababa, Ethiopia; iii. Finance Dashen Bank P.O. Box 12752, Tel: 251-1-650286 Fax: e-mail: dashen.bank@telecom.net.et Addis Ababa, Ethiopia; Bank of Abyssinia P.O. Box: , Tel: 251-1- Fax: Addis Ababa, Ethiopia; iv. Agro Industry ELFORA Agro-industries Pvt. Ltd. Co. P.O. Box 12752, Tel: 251-1-611102/614121 Fax: 251-1-611304 Addis Ababa, Ethiopia; Ethio-Coffee & Tea Plantation & Marketing Plc P.O. Box: 1006, Tel: 251-1-615573 Fax: 251-1-615573 Addis Ababa,Ethiopia; vi. Transport East-West Ethio-Transport Plc P.O. Box 2598, Tel: 251-1-341969 Fax: 251-1-341722 Addis Ababa, Ethiopia; National Motors Corporation P.O. Box: 50428, Tel: 251-1- 510499 Fax:251-1-516144 Addis Ababa, Ethiopia; vii. Manufacturing MAMCO Paper Products Industry P.O. Box 5710, Tel: 251-1-341009 Fax:251-1-341124 Addis Ababa, Ethiopia; MOHA Soft Drinks Industry SC P.O. Box: 1270, Tel: 251-1-614655 Fax: 251-1-615087 Addis Ababa, Ethiopia; viii. Mining Legedebi Gold Mine P.O. Box 2318, Tel: 251-1- 655205 Fax: 251-1-655208 Addis Ababa, Ethiopia; National Mining Corporation P.O. Box:1174 , Tel: 251-1- 171887 Fax:251-1-711677 Addis Ababa, Ethiopia; ix. others Cos Trading & Technical Co. Tel 251-1-510411, P.o. Box: 4222, Addis Ababa, Ethiopia Equatorial Business Group Tel 251-1-510941, P.o. Box: 8964, Addis Ababa, Ethiopia ETHIODREAM Plc. Tel 251-1-655533, P.o. Box: 18794, Addis Ababa, Ethiopia Green Focus Ethiopia Ltd. Tel 251-1-626512, W 17, K 18, Addis Ababa, Ethiopia Keangnam Enterprise Ltd (Ethiopia Office) Tel 251-1-614343, P.o. Box: 2351, Addis Ababa, Ethiopia Kombolcha Steel Products Industry Plc. Tel 251-1-166801, P.o. Box: 16010, Addis Ababa, Ethiopia MOSVOLD Plc Tel 251-1-159227, P.o. Box:3086, Addis Ababa, Ethiopia NAS Food Plc. Tel 251-1-514028, P.o. Box: 1282, Addis Ababa, Ethiopia Root Africa Digital Design Inc. Tel 251-1-531620, P.o. Box: 6631, Addis Ababa, Ethiopia Seedex Plc. Tel 251-1-341544, P.o. Box: 758, Addis Ababa, Ethiopia SHELL Ethiopia LTD Tel 251-1-653017, P.o. Box: 3174, Addis Ababa, Ethiopia x. NGOs, Embassies and International Organizations Djibouti Embassy Kenya Embassy Tunisia Embassy Turkish Embassy United Natiion World Food Program (UNWFP) United Nation World Helth Organization (UNWHO) UNHCR WFP WHO USA Embassy African Development Fund Tel 251-1-627726, P.o. Box: 25543 code 1000, Addis Ababa, Ethiopia Canadian Physicians for Aid and Relief Tel 251-1-654712, P.o. Box: 2555, Addis Ababa, Ethiopia KONOIKE Construction Tel 81-3-3296-7636, Tokyo, Japan Hotels & Travel | Construction | Finance | Agro Industry | Transport | Manufacturing | Mining | Others Home | About Us | Products | Service Units | FAQ | Contact Us ©2005 Nyala Insurance S. C.",35);arrFiles[5]=new Array(6,"CompanyProfile.htm","2005-06-23","Nyala Insurance Company Profile","","","COMPANY PROFILE Establishment | Vision | Mission | Identity | Profiles | Staff Establishment Private Business Institution of whatever nature except the informal and uncontrollable economic sector, had been naturalized by the Socialist Regime prevailed from 1974 to 1993. During this period, all the existing Insurance Companies were taken over by government owned Insurance Corporation. However, following the change to market led economy in 1994, many private business institutions such as Banks and Insurance and others were established and Nyala was the NO.7 to be licensed in July 1995. Nyala Insurance S. C. or “NISCO” was established with Birr 5.0 mln. capital and 7.0 mln. paid up, later increased to Birr 25.0 mln. in 19…. and at further increased to Birr 30.00 mln. as at July 2005. The Staff, Management and the Board of Directors are all devoted to do their interest towards the realization of Company \'s commitments and value statements. Vision Guarantee CARE and PROTECTION to all our steckholders and delivering it faithfully and responsibly. Mission Continuously interact with and recognize clients point of views. Ensure clients fully understood the term and conditions of protection policies before commitment. Ensure own staff always follow the company \'s business principles and practices. Implement a state-of-the art information system so that customer services are enhanced by way of providing timely and accurate information.In short, practice the old cliché The Customer is The King ! Identity/Logo The Nyala HEAD superimposed on the traditional Ethiopian SHIELD is chosen as the company \'s LOGO for the following reasons: In recognition of the role the Ethiopian patriots and the conservationists played in Caring and Protecting Ethiopia and its resources, human as well as natural, and In declaration of our pledge to give deserving Care and Protection to our customers, their dependents and their hard-earned assets. The Shield : History tells us that Ethiopia \'s gallant people protected Ethiopia and their fellow Ethiopians from the risk of being colonized with heartfelt dedication and hand held SHIELD. The SHIELD therefore signifies our colorful history of freedom and no colonial past! It doubly signifies our commitment of CARE and PROTECTION to our business partners. The Head : The Mountain Nyala, once known as Queen of Sheba \'s Antelope, was some 40 years ago dangerously close to extinction. Thanks to the CARE and PROTECTION both National and International friends of wild life, the risk was averted and presently the Nyalas are proliferating. The Head, therefore, signifies the commitment our staff have to always give CARE and PROTECTION to their business partners. Public opinion has to that Nyala Insurance is in the fine front in the financial strength, underwriting production, up-to-date decentralized Management System Application of Information Technology and Service Net Work penetration nation wide. The Company has always shown year - to - year growth in manpower, business volume profitability, and above all public acceptance not only as “Carrying and Protecting” institution but as part and parallel of the local community. Directors: Board Memebers: Ato Getachew KibreSelassie - Chairman Ato Seid Hussein Ali-Al-Amoudi Ato Mardouf S. Bazaham Ato Tibebe Argaw Ato Nahu-Senaye Araya Board Secretary: Ato Hussien Ahmed Management Team: Ato Nahu-Senaye Araya - Managing Director/CEO Ato Shiferaw Bekele - Business Development Ato Eyob Mihiretei - Marketing Ato Addisu Demssie - Human Resource and Training Ato Mandefro Erku - Risk Management Ato Hussien Ahmed - Finance Ato Teshom Beyene - Operation Auditors Nawar & Co. Chartered Accoutants and Auditors Bankers Dashen Bank s.c. Commercial Bank of Ethiopia Bank of Abyssinia NIB International Bank Wegagen Bank Awash International Bank Staff Nyala Insurance has qualified, young, motivated and commited staffs. The Company \'s Human Resource Policy is to follow Grow Own Trees strategy and recruit young and dynamic graduate Ethiopians mostly straight from higher learning institutions. On the job coaching and intensive formal/informal training, local and abroad are the company \'s routine staff development program. At Nyala staff training is considered not an expense, but as an investment. Staff Profile By Age: Age Group % Over 50 5 41 to 50 12 31 to 40 34 Below 31 49 Profile By Education: Education % 2nd Degree 5 1st Degree 45 Diploma 29 High School 31 Registered Office Establishment | Vision | Mission | Identity | Profiles Home | About Us | Products | Service Units | FAQ | Contact Us ©2005 Nyala Insurance S. C.",36);arrFiles[6]=new Array(7,"contactus.htm","2005-07-08","Nyala Insurance Contact Information","","","CONTACT US Head office | Addis Ababa | Upcountry | USA agents You may contact us all over Ethiopia through our 17 Service Units (Branches). You can also contact our head office for general information using the following addresses. Head Office Managing Director Nahu-Senay Araya P. O. Box 12753 Mickey Leland Street, Addis Ababa Tel: 251-1-626707, Fax: 251-1-626706 Marketing Eyob Mihiretei Marketing Coordinato r P. O. Box 12753 Mickey Leland Street, Addis Ababa, Ethiopia Tel: 251-1-626708, Fax: 251-1-626706 Underwriting & Claims Teshome Beyene Operation Coordinator P. O. Box 12753 Mickey Leland Street, Addis Ababa, Ethiopia Tel: 251-1-626707, Fax: 251-1-626706 Risk Management Mandefro Erku Technical Coordinator P. O. Box 12753 Mickey Leland Street, Addis Ababa, Ethiopia Tel: 251-1-626709, Fax: 251-1-626706 Business Development Shiferaw Bekele Business Development Coordinator P. O. Box 12753 Mickey Leland Street, Addis Ababa, Ethiopia Tel: 251-1-626780, Fax: 251-1-626706 Human Resource Addisu Demissie Human Resource and Development P. O. Box 12753 Mickey Leland Street, Addis Ababa, Ethiopia Tel: 251-1-626674, Fax: 251-1-626706 Finance Hussien Ahmed Finance Head P. O. Box 12753 Mickey Leland Street, Addis Ababa, Ethiopia Tel: 251-1-626670, Fax: 251-1-626706 Service Units (Branches) Addis Ababa Service Unit Tel Fax P.O. Box Beklobet 251-1-654585 251-1-654078 12753 Bole(Corporate) 251-1-533353 251-1-533541 12753 Gola Sefer 251-1-555502 251-1-551326 12753 Tana 251-1-132152 12753 Kera/Gofa 251-1-520175 251-1-520174 12753 Easteren/Yerer 251-1-465048 251-1-626713 12753 Sister Co. (East) 251-1-533636 251-1-533541 12753 Sister Co. (West) 251-1-653605 251-1-654078 12753 Arada 251-1-579707 251-1-579709 12753 Up Country Service Unit Tel Fax P.O. Box Awassa 251-6-204999 251-6-205000 919 Bahirdar 251-8-201718 251-8-201719 907 Diredawa 251-5-110408 251-5-112147 1387 Dessie 251-3-119111 251-3-112845 99 Jimma 251-7-110706 251-7-110146 1000 Mekelle 251-4-401111 251-4-409143 928 Nazareth 251-2-113399 251-2-111417 2136 Gondar 251-8-115312 251-8-117015 407 Jijjiga 251-5-752138 251-5-752138 Dilla 251-6-313350 Woldya 251-3-311217 Axum 251-4-752545 USA Marketing Agents Ato Ezra Teshome (SEATTLE) Tel: 206 3910 326(mobile) 206 3223 910(office) Fax: 206 3223 1357 eztesh@aol.com Ato Zecharias Getachew (MINNEAPOLIS) Tel: 952 746 1982 Fax: 952 746 1983 zechariasv@yahoo.com Ato Teferawork Assefa (DALLAS) Tel: 214 682 3929 972 395 1410 Fax: 972 492 4882 teferaworkassefa@hotmail.com E-Mail nisco@ethionet.et Head office | Addis Ababa | Upcountry | USA agents Home | About Us | Products | Service Units | FAQ | Contact Us ©2005 Nyala Insurance S. C.",32);arrFiles[7]=new Array(8,"DiasporaMain.htm","2005-06-23","Nyala Insurance Diaspora Services","","","FOR DIASPORAS Medical Insurance | Travel Insurance | Application form | Agents | FAQ ጤና ይስጥልን፣ መጀመሪያ የህሊና ጥያቄ ብንጠይቅዎት፣ አገር ቤት ያሉት ቤተሰብዎ፣ ዘመድ አዝማድዎ ቢታመሙ፣ አደጋ ቢደርስባቸው እንድንደርስ ይፈልጋሉ? ንብረታቸውስ በቃጠሎ በግጭት በስርቆት ቢጠፋ ዋስትና መስጠት ይፈልጋሉ? እርስዎስ መቼም ኢትዮጵያዊ ነዎትና አገር መግባት አይቀሬ ነውና “ኢንቨስት” ማድረግ ቢፈልጉስ? ወደ አገር ሲመጡ ለንብረትዎ ዋስትና አያስፈልግዎትም? አገር በመግባትስ “ኢንቨስት”ለማድረግም ቢፈልጉ መረጃ አይሹም? Click here to fill the request form now! ! ውድ ወንድምና እህቶቻችን በርቀት ያሉትን ቤተሰብዎን፣ ዘመድ አዝማድና ወዳጅዎን ምናልባትም በክፉ ቀን የረዱዎትን ሁሉ ከቀን ቀን ያስታውሱዋቸዋል፤ የቻሉትንም ያህል እየረዱ ይሆናል፡፡ በተጨማሪም ድንገተኛ አደጋ ወይም ሕመም ሲያጋጥማቸው በአስቸኳይ ገንዘብ ይልኩም ይሆናል ምናልባትም በጊዜው ሳይደርስ ወይም ሳይሰጥ ሁኔታዎች ተባብሰው ይሆናል፡፡ ይህንን በላኪውና በተቀባዩ በኩል ያለውን ችግር በጥልቀት በማጤን ኒያላ ኢሹራንስ ሁኔታዎችን አመቻችቷል በመሆኑም በውጭ ሃገር የሚኖሩ ኢትዮጵያውያን ኢትዮጵያ ላሉ ቤተዘመዶቻቸው የሕክምና፣ የአደጋ፣ የሕይወት፣ የንብረት ዋስትና መግዛት ይችላሉ፡፡ ለተጨማሪ መረጃ የሽፋኖቹን ዝርዝር ይመልከቱ ከዚያም ሲጨርሱ የዋስትና ቅጹን ይሙሉ፡፡ ተልዕኮአችን አለኝታዎን ማስከበር ነው! We know you do! Nyala Insurance is right here to give you that special service! Do you know the benefits you buy? Hospitalization both for natural and accidental bodily injury up to the limit of cover purchased for each and with minimal premium ! Please contact our agents in USA or visit our website as and when you wish to insure yours and your loved ones property. Please note there is a requirement to survey the risk of the property and estimate its insurable value in order to compute the appropriate rate.See details of the coverages for further information. Medical Insurance | Travel Insurance | Application form | Agents | FAQ Home | About Us | Products | Service Units | FAQ | Contact Us ©2005 Nyala Insurance S. C.",27);arrFiles[8]=new Array(9,"FAQ.htm","2005-06-23","Nyala Insurance FAQs","","","FAQ Application form | Agents Q1 What kind of insurance products do you have? Nyala Insurance has: General Insurance products such as: motor/auto insurance, fire and lightning insurance, marine insurance, money insurance, workmen \'s insurance, etc Life Insurance products like : whole life insurance, term life assurance, endowment assurance, annuity assurance, educational/marriage assurance, etc Special Product for diasporas like Medical and Accident Insurance Q2 Can I get/arrange insurance cover in Ethiopia? Yes, from where you are : You can arrange Medical & Accident Insurance covers for your beloved ones living in Ethiopia. You can arrange Property Insurance covers for your properties and investments in Ethiopia. Q3 What kind of coverages available in Medical & Accident Insurance? Medical & Accident Insurance covers, all medical and hospitalization expenses (up to the limit stated on the schedule) caused due to natural illness and/or accident. The limit depends on the amount of annual premium. (Please contact your agent for complete information) Q4 What are the exclusions of Medical & Accident Insurance cover? Medical & Accident Insurance does not cover: expenses related to: Pregnancies and chilled birth ; Illness, defect or infirmity prior to the insurance cover ; and Normal checkup, Venereal disease, self-injury, suicide and HIV . (Please contact your agent for complete information) Q5 How much does Medical & Accident insurance cost? The following table shows indications of Annual Premium and Limits of Benefit for accident and medical insurance policies. Annual Premium (in USD) Limits of Benefit (in Birr) For Accident For Illness Total 230 5,000 5,000 10,000 345 10,000 10,000 20,000 403 15,000 15,000 3,000 Q6 How can I get Insurance cover for my relatives or properties in Ethiopia? You can get the cover through our agents in USA and our website - www.nyalainsurance.com. The following steps show how you get the cover: Identify your relative/friend to whom you want to provide Insurance cover. Your beloved ones and their assets could be anywhere in the major cities and towns of Ethiopia Identify/Select your agent among Nyala Insurance’s marketing agents. Fill on-line Insurance Service Request Form at www.nyalainsurance.com We shall then contact your agent, locate your beloved once, make the necessary ground work and e-mail back to you and your agent about cover details and price quotation. Make payment to your agent. Upon receipt of payment advice from your agent, policy shall be issued and become effective on the day the advice is received; document will be presented to your loved once, and e-mail you the action taken. During cover period, we shall communicate policy status to you and your agent. Q7 Where does one get the service? Customers having Accident and Medical Insurance are served at any one of these cities/towns shown below. Customers having other types of Insurances, such as Auto, Fire and Marine are served nationwide, i.e. any cities, towns, or villages where accidents, God forbid, takes place. Q8 Which medical service providers can give me the service? Hospitals and Clinics selected by NISCO ont the basis of capacity, service and efficency. Q9 Which pharmacies can give me the service? Any pharmacy selected by NISCO which would be identified to the client while the policy is issued. Q10 What are the payment methods? Payments would be made on credit basis and as per credit agreement NISCO has with different Clinics, Hospitals and Pharmacies. Application form | Agents Home | About Us | Products | Service Units | FAQ | Contact Us ©2005 Nyala Insurance S. C.",31);arrFiles[9]=new Array(10,"fidelity.htm","2005-06-23","Nyala Insurance Fidelity Insurance","","","PRODUCTS ይህ ዋስትና በሃላፊነት ቦታ ላይ ያሉ ሰዎች በማጭበርበር ወይም በእምነት ማጉደል ለሚያደርሱት ጉዳት የመድን ሽፋን ይሰጣል፡፡ የጉዳት ካሳን በፍጥነት ለመክፈል መሟላት ከሚገባቸው ማስረጃዎች መካከል፣ በአግባቡ የተሞላ የአደጋ ማስታወቂያ ቅፅ በመ/ቤቱና በውጭ ኦዲተሮች የኦዲት ሪፖርት የሚመለከተው ስራተኛ የፅሁፍ መግለጫ የፖሊስ ሪፖርት ተሟልተው መቅረብ አለባቸው Provides cover for the insured against loss caused by fraud or dishonesty of persons holding positions of trust. Documents and condition to be fulfilled for prompt claim settlement includes Duly completed claim notification form Internal and external auditors report Written statement of the concerned employee Police Report Any other documents as required by the Insurer . Home | About Us | Products | Service Units | FAQ | Contact Us ©2005 Nyala Insurance S. C.",20);arrFiles[10]=new Array(11,"fire.htm","2005-06-22","Nyala Insurance Fire Insurance","","","PRODUCTS ይህ ውል በ እሳት ቃጠሎ እና በመብረቅ አደጋ ምክንያት በንብረት ላይ ለሚደርስ ጉዳት የመድን ሽፋን ይሰጣል፡፡ ይህ ሽፋን በተጨማሪ ውል በሚደረግ ስምምነት በአውሎ ነፋስና በባህር ሞገድ፣ በውሃ መጥለቅለቅ፣ በውሃ ቧንቧዎች ፍንዳታ፣ በመሬት መንቀጥቀጥ፣ በአውሮፕላን አደጋ፣ በሕዝባዊ አመፅ፣ በሶስተኛ ወገን ሆን ተብሎ በሚደርስ ጉዳት፣ በፍንዳታ፣ በከብቶች ወይም በተሽከርካሪዎች በሚደርስ ግጭት፣ መድን በተገባለት ንብረት መታመቅ ምክንያት በሚደርስ መቀጣጠል፣ በሰደድ እሳት እና በመሬት መደርመስ ሳቢያ ለሚደርሱ ጉዳቶች ሽፋን ይሰጣል፡፡ የጉዳት ካሳን በፍጥነት ለመክፈል መሟላት ከሚገባቸው ማስረጃዎች መካከል፣ በአግባቡ የተሞላ የአደጋ ማስታወቂያ ቅፅ ቀሪ ያልተከፈለ አረቦን መክፈል ከፖሊስና ከእሳት አደጋ መከላከያ ድርጅቶች የሚፈለግ ሪፖርት የባለቤትነት ማስረጃና የንብረት ዝርዝር ማስታወቂያ ሰነድ የሂሳብ መዝገብ፣ የሽያጭና የግዢ ደረሰኞች የመድን ሽፋን በተሰጠው ግለሰብ/ድርጅት መከፈል የሚገባው የመነሻ ክፍያ በቅድሚያ መክፈል ከአበዳሪዎች ክሊራንስ/ዕዳ/ ካለ ተሟልተው መቅረብ አለባቸው፡፡ Provides cover for damage caused to property fire and lightning. The cover can be extended endorsement to cover damage caused by store tempest and flood, burst pipes, earthquake aircraft, riot, civil commotion, malicious damage explosion, impact, spontaneous combustion, bus fire, subsidence and or collapse etc. Documents and condition to be fulfilled for prompt claim settlement includes Duly completed claim notification form Outstanding Premium should be settled Police report and Fire Brigade report Stock declaration and Ownership evidence Books of accounts, Sales and purchase invoices Settle the deductibles as applicable Clearance from Mortgager, if any . Home | About Us | Products | Service Units | FAQ | Contact Us ©2005 Nyala Insurance S. C.",24);arrFiles[11]=new Array(12,"form.htm","2005-07-07","Nyala Insurance Application Form","","","ONLINE APPLICATION FORM Details | Agents | FAQ For Medical and Personal Accident Please fill the following online form to provide an insurance coverage for your LOVED ONES. For further information see details or contact our agents. From: (Sponsor \'s particulars) Full Name * Country * State * City/town * E-mail * Tel * Fax Select your Agent * Ezra Teshome Zecharias Getahachw Teferawork Assefa I would like to buy the following Insurance policies for my: Medical + Personal Accident Select benefit limit 5,000 + 5,000 birr 10,000 + 10,000 birr 15,000 + 15,000 birr see details Annual Flat Premium in USD = per individual Others See Other Products Auto Others ------- MONEY INSURANCE BURGLARY INSURANCE FIDELITY INSURANCE ENGINEERING INSURANCE MARINE INSURANCE Fire Property Insurance Life The clients particulars in Ethiopia: FULL NAME * CITY/TOWN * WEREDA KEBELE HOUSE NO. TEL * FAX E-MAIL * = Required fields Details | Agents | FAQ Home | About Us | Products | Service Units | FAQ | Contact Us ©2005 Nyala Insurance S. C.",28);arrFiles[12]=new Array(13,"form.html","2005-03-28","JSE","","","Enter JSE in the example above. This free script provided by JavaScriptKit",1);arrFiles[13]=new Array(14,"GIProductIndex.htm","2005-06-24","Nyala Insurance products index","","","General Insurance Products Life Insurance | Medical Insurance We provide all kinds of General Insurance (Engineering, Aviation, Motor , Marine , Fire , Personal Accident , Medical , and many more.) protection covers. Click on the following icons to see more about our products and services. የእሳት ቃጠሎ እና የመብረቅ አደጋ ሽፋን የሰራተኛ ጉዳት ካሳ ሽፋን Fire & Lightening Insurance Workmen \'s Insurance የተሽከርካሪ መድን ሽፋን የገንዘብ መድን ሽፋን Motor/Auto Insurance Money Insurance የባህር ላይ ጉዞ ሽፋን የእምነት ማጉደል ሽፋን Marine Insurance Fidelity Insurance የቡድንና የግል አደጋ ሽፋን የዘረፋና የቤት ስርሰራ ሽፋን Group or Personal Accident Insurance Burglary & House Breaking Insurance Home | About Us | Products | Service Units | FAQ | Contact Us ©2005 Nyala Insurance S. C.",27);arrFiles[14]=new Array(15,"index.htm","2005-10-13","Welcome to Nyala Insurance s.c.","Ethiopia,Insurance,Addis,Ababa,care, protection, protection, Nyala, Insurance, Ethiopia, Addis Ababa, Life, Property","Nyala s committed staff aided with state-of-the-art Information System and Nationwide representation of Service Units, provide you reliable","Welcome to Nyala Insurance s.c. The foundation of our progress is the satisfaction of those we serve nationwide We know you have a choice and you always choose the best. Nyala \'s committed staff aided with state-of-the-art Information System and Nationwide representation of Service Units, provide you reliable CARE and PROTECTION to the assets and medical needs of your beloved ones. Thank you for making us your first choice. © Nyala Insurance S.C. UNIQUE FEATURES : : FAQs : : LINKS : : CONTACT US",10);arrFiles[15]=new Array(16,"Link.htm","2005-06-23","Nyala Insurance Links","","","LINKS This page will be available shortly Home | About Us | Products | Service Units | FAQ | Contact Us ©2005 Nyala Insurance S. C.",16);arrFiles[16]=new Array(17,"LIProductIndex.htm","2005-06-23","Nyala Insurance Life Insurance Products","","","LIFE INSURANCE This page will be available shortly Home | About Us | Products | Service Units | FAQ | Contact Us ©2005 Nyala Insurance S. C.",16);arrFiles[17]=new Array(18,"marine.htm","2005-06-23","Nyala Insurance Marine Insurance","","","PRODUCTS ይህ ውል በባህር ላይ በመጓጓዝ ላይ ባለ ጭነት በእሳት ቃጠሎ፣ በስርቆት፣ በግጭትና በተለያዩ የአደጋ መንስኤዎች ምክንያት ለሚደርስበት ጉዳት የመድን ሽፋን ይሰጣል፡፡ ይህ ውል በተጨማሪ በሚደረግ ስምምነት መሰረት በጦርነት፣ በአመጽ፣ በሥራ ማቆም አድማ፣ በሦስትኛ ወገን ሆን ተብሎ በሚደርስ ጉዳት እና በሽፍታ፣ በወንበዴዎችና በሽምቅ ተዋጊዎች ለሚደርስ ጉዳት ሽፋን ይሰጣል፡፡ Provides all risk cover for a cargo being transited against loss, fire, theft, collision and a wide range of other perils.The cover can be extended by endorsement to cover damage caused by War, strike, riot, malicious damage, BSG, etc. የጉዳት ካሳን በፍጥነት ልመክፈል መሟላት ከሚገባቸው ማስርጃዎችና ቅድመሁኔታዎች መሀክል፣ በአግባቡ የተሞላ የአደጋ ማስታወቂያ ቅፅ ዋናው የኢንሹራንስ ሰርተፊኬት ዕቃው የተገዛበት ዋናው ደረሰኝና የጭነት ዝርዝር ዕቃውን ለሚያጓጉዘው የተሰጠ የፅሁፍ መቃወሚያ የቅድመ ጭነት ሰርቬይ ሪፖርት የመጨረሻው ሰርቬይ ሪፖርት የባህር ጉዞ/የአየር ጉዞ የጭነት ሰነድ የተሽከርካሪ የጭነት ሰነድ የዕቃዎች ወይም የግምጃ ቤት መረከቢያ ሰነድ ተሟልተው መቅረብ አለባቸው፡፡ Documents and condition to be fulfilled for prompt claim settlement includes Duly completed claim notification form Original Insurance Certificate Original Invoice, Packing List Copy of written protest to carrier Preliminary survey report Final survey report Truck way bill Bill of Lading/ Airway bill Goods of Stores receiving note . Home | About Us | Products | Service Units | FAQ | Contact Us ©2005 Nyala Insurance S. C.",22);arrFiles[18]=new Array(19,"mdsmessage.htm","2005-06-22","Nyala Insurance Accident Insurance","","","Welcome to Nyala Insurance S. C. Dear Friends and Partners, We are indeed happy you are visiting our website and we hope your visit would initiate ever lasting relationship. Please browse the website and critically examine whether or not what we say leads to the “CARE and PROTECTION” or የአለኝታዎ ማህተም commitment we pronounce. We know you have a choice and you are good at choosing the best. Hence we must aspire to be your best choice by having the necessary resources in place and these includes staff, total commitment, state-of the art information systems and Nationwide representation of Service Units, in all major and medium cities of Ethiopia. We have also established a system of serving the families and friends of the Ethiopian “DIASPORAS” living in North America and eventually all over the world. Please refer our “DIASPORA” page. Please do give us the opportunity to meet you at one of our Service Units for a friendly chat over a cup of coffee! Sincerely yours, Please leave your e-mail address below if you would like to receive updates about our company. Nahu-Senay Araya Managing Director/CEO . Home | About Us | Products | Service Units | FAQ | Contact Us ©2005 Nyala Insurance S. C.",18);arrFiles[19]=new Array(20,"money.htm","2005-06-23","Nyala Insurance Money Insurance","","","PRODUCTS ይህ ውል ጥሬ ገንዝብ፣ የባንክ ሰነዶች፣ ቼኮች፣ የፖስታ ትዕዛዞች፣ የገንዘብ ማዘዣዎች፣ የቀረጥ ቴምብሮች፣ ከንግድ ተቋማት ወይም ከመድን ገቢው ቤት ወይም ወደ ባንክ በሚወሰድበት ወይም ባንክ በሚመለስበት ወቅት ቢዘረፍ የመድን ሽፋን ይሰጣል፡፡ የጉዳት ካሳን በፍጥነት ለመክፈል መሟላት ከሚገባቸው ማስረጃዎች መካከል፣ በአግባቡ የተሞላ የአደጋ ማስታወቂያ ቅፅ በመ/ቤቱና በውጭ ኦዲተሮች የኦዲት ሪፖርት የገንዝብ ያዡ የፅሁፍ መግለጫ የፖሊስ ሪፖርት ተሟልተው መቅረብ አለባቸው፡፡ Provides compensation to the insured in the event of money (Cash, bank notes, currency notes, cheques , postal orders, money orders, current postages, revenue stamps) being stolen either from the business premises, his own home, or while it is being carried to or from the bank. Documents and condition to be fulfilled for prompt claim settlement includes Duly completed claim notification form Internal and external auditors report Written statement of the Cashier Police report . Home | About Us | Products | Service Units | FAQ | Contact Us ©2005 Nyala Insurance S. C.",21);arrFiles[20]=new Array(21,"Motor.htm","2005-06-23","Nyala Insurance Motor Insurance","","","PRODUCTS Third Party only | Third Party fire & theft | Comprhensive 1. በሦስተኛ ወገን ላይ ለሚደርስ ጉዳት ብቻ የሚሰጥ ሽፋን (Third party only) በዚህ የመድን ሽፋን በሦስተኛ ወገን ላይ ለሚደርስ የንብረት ወይም በአካል ላይ ለሚደርስ የመቁሰል ወይም የሞት አደጋ ምክንያት መድን የገባው ሰው የሚደርስበትን ዕዳ ይሽፍናል፡፡ Third party only provides cover in respect of liability incurred through death or injury to a third party or damage to third party property. 2. የእሳት አደጋና ስርቆትን ጨምሮ በሦስተኛ ወገን ላይ ለሚደርስ ጉዳት ብቻ የሚሰጥ ሽፋን (Third party, fire and theft) ይህ የመድን ሽፋን በተ.ቁ. 1 ከተጠቀሱት ሽፋኖች በተጨማሪ በእሳት ቃጠሎ በስርቆትና በዝርፊያ በተሽከርካሪ ላይ ለሚደርስ አደጋ የመድን ሽፋን ይሰጣል፡፡ Third party fire and theft provides the above cover and in addition includescover for damage to the vehicle from fire or theft. 3. ጠቅላላ ሽፋን (Comprehensive) በተ.ቁ. 1 እና 2 ከተጠቀሱት የመድን ሽፋን በተጨማሪ በተሽከርካሪ ላይ አደጋ ቢደርስ የመድን ሽፋን ይሰጣል፡፡ ይህ የመድን ሽፋን በተጨማሪ ውል በሚደረግ ስምምነት መሰረት ሌሎች አደጋዎችን ማለትም በአደጋው ጉዳት ለሚደርስባቸው ተሣፋሪዎች፣ በሽፍታ ወገን ሆን ተብሎ በሚደርስ ጉዳት ጋር የተያያዘ ህጋዊ ሃላፊነት፣ ከድንበር ወሰኖች ውጭ የሚደርሱ ጉዳቶችን የመድን ሽፋን እንደሚያግኙ ማድረግ ይቻላል፡፡ Comprehensive: - provides cover as above and in addition includes cover for accident loss of, or damage to, the vehicle itself. The cover can be extended by endorsement and extension to cover Passenger accident benefit, BSG passen­gers \' legal liability, territorial limit, malicious damage, etc. የጉዳት ካሣን በፍጥነት ለመክፈል መሟላት ከሚገባቸው ማስረጃዎችና ቅድመ ሁኔታዎች መሀከል፣ በአግባቡ የአደጋ ማስታወቂያ ቅፅ ቀሪ ያልተከፈሉ መክፈል የመድን ሽፋን በተሰጠው ግለሰብ/ድርጅት መከፈል የሚገባው የመነሻ ክፍያ በቅድሚያ መክፈል የአሽከርካሪው /ሾፌሩ/ የመንጃ ፈቃድ ኮፒ የፖሊስ ሪፖርት መቅረብ አለባቸው Documents and condition to be fulfilled for prompt claim settlement includes Duly completed claim notification form Outstanding Premium should be settled Excess must be paid Copy of driving license of the driver Police Report Third Party only | Third Party fire & theft | Comprhensive Home | About Us | Products | Service Units | FAQ | Contact Us ©2005 Nyala Insurance S. C.",27);arrFiles[21]=new Array(22,"MsgToDiaspora.htm","2005-06-23","Nyala Insurance Message to Diasporas","","","MESSAGE TO DIASPORAS Application form | Agents | FAQ PROTECT YOUR LOVED ONES Should you wish to protect your loved ones and provide Insurance coverage, please fill out the online application form . It shall be acted upon and response given to you soon. You can see the coverage details for more information. You can contact our agents in USA for further details. Payment methods and account shall be advised on due course by Nyala Insurance S.C. የተከበራችሁ በውጭ ሀገር የምትኖሩ ኢትዮጵያውያን! እንደሚታወቀው ሁኔታዎች እያንዳንዶቻችንን ከምንወዳቸውና ከሚወዱን ቤተሰብ፣ ወዳጅ ጋር አብረን ለመኖር ሲፈቅዱልን አንዳንዶቻችን ተራርቀን ለመኖር አስገድደውናል፡፡ ሆኖም በርቀት ያሉትን ዘመድ አዝማድና ወዳጆቻችንን ምናልባትም በክፉ ቀን የረዱንን ሁሉ ከቀን ቀን እናስታውሳቸዋለን፣ የቻልነውንም ያህል እንረዳቸዋለን፡፡ የምናደርገው የገንዝብ እርዳታ ኑሮን ከቀን ቀን ለመግፋት የሚያስችል ቢሆንም ድንገተኛ አደጋ ሲያጋጥማቸው ግን በአስቸኳይ የሚደርስላቸው ሁኔታ የፈጠርንላቸው አይመስለንም፡፡ በባህላችንም አንድ ስው ሲታመም ወይም ከፍ ያለ አደጋ ሲደርስበት ልጅ ወይም የቅርብ ዘመድ፣ ወዳጅ “ይደነግጣል፣ ይቸገራል” በማለት እንዳይሰማ ይደረጋል፡፡ ሁኔታው ከተባባሰ በሃላ ግን መስማቱና ከፍ ላለ ችግር መዳረጉ አይቀርም፣ የደረሰብንም አለን፡፡ ስለዚህ ነው የቤተዘመድ ሕመምም ሆነ ሌላ አደጋ ሊደርስ ስለሚችል በቅድሚያ ልጅም ሆነ ዘመድ ሃሳብ ላይ እንዳይወድቁ እኛ የኒያላ ኢንሹራንስ ሠራተኞች ሁኔታው መሻሻል አለበት ብለን ልናገለግል የተነሳነው፡፡ Dear Ethiopians leaving abroad, You NEVER uproot your Ethiopian roots despite long years of stay abroad !---- Fact No 1 You NEVER really feel at home leaving outside your Ethiopia, despite better lifestyle abroad! ---- Fact No 2 You NEVER stop caring for your families, friends, extended relatives and for those, one way or another, or as they say once upon a time---- Facto No 3 Show love and/or concern to you whether or not they were able to help you materially ! Made positive contributions to your lifestyle, education, entertainment, etc. ! We know and you know that you have a burning desire to reciprocate those positive memories by way of instructing your Nyala friends to give CARE and PROTECTION to them and/or their assets.---- Fact No 4 You then and only then, live with peace of mind. Because you have discharged part of your responsibilities or obligations.---- Fact No 5 This five Facts tells us that you as Ethiopian would wish to help not only your immediate family memebers but also your extended family members and friends. Application form | Agents | FAQ Home | About Us | Products | Service Units | FAQ | Contact Us ©2005 Nyala Insurance S. C.",27);arrFiles[22]=new Array(23,"newsletter.htm","2005-10-13","Nyala Insurance Links","","","ZEKRE NYALA IS A NEWS LETTER PUBLISHED EVERY MONTH BY NYALA INSURANCE S.C. NISCO News HEADLINES Title One Title Two Title Three Title Four Others... Get your copy now (PDF) Issue One Issue Two Issue Three Issue Four Please leave your e-mail address below if you would like to receive Zekre Nyala every month. Nyala Insurance is right here Do you know the benefits you buy? Hospitalization both for natural and accidental bodily injury up to the limit of cover purchased for each and with minimal premium! Please contact our agents in USA or visit our website as and when you wish to insure yours and your loved ones property. Please note there is a requirement to survey the risk of the property and estimate its insurable value in order to compute the appropriate rate.See details of the coverages for further information. The Company recognizes that it is its self interest to operate within the mandate interested to it by society and shoulder its social responsibility, accordingly it shall. full story Nyala Insurance is right here Over the last 10 years, Nyala Insurance s.c. has been providing high standard and efficent CARE and PROTECTION services with unquestionable integrity and honecty to its estimed customers. At present, our company is one of the best insurance Companies iterms of:Nation wide and divercity of Care and Protection service; size and divercity of customers; and winning and maintaing customer’s support and loyality. full story Nyala Insurance is right here Do you know the benefits you buy? Hospitalization both for natural and accidental bodily injury up to the limit of cover purchased for each and with minimal premium! Please contact our agents in USA or visit our website as and when you wish to insure yours and your loved ones property. Please note there is a requirement to survey the risk of the property and estimate its insurable value in order to compute the appropriate rate.See details of the coverages for further information. The Company recognizes that it is its self interest to operate within the mandate interested to it by society and shoulder its social responsibility, accordingly it shall. full story Nyala Insurance is right here Over the last 10 years, Nyala Insurance s.c. has been providing high standard and efficent CARE and PROTECTION services with unquestionable integrity and honecty to its estimed customers. At present, our company is one of the best insurance Companies iterms of:Nation wide and divercity of Care and Protection service; size and divercity of customers; and winning and maintaing customer’s support and loyality. full story በርቀት ያሉትን ቤተሰብዎን በርቀት ያሉትን ቤተሰብዎን፣ ዘመድ አዝማድና ወዳጅዎን ምናልባትም በክፉ ቀን የረዱዎትን ሁሉ ከቀን ቀን ያስታውሱዋቸዋል፤ የቻሉትንም ያህል እየረዱ ይሆናል፡፡ በተጨማሪም ድንገተኛ አደጋ ወይም ሕመም ሲያጋጥማቸው በአስቸኳይ ገንዘብ ይልኩም ይሆናል ምናልባትም በጊዜው ሳይደርስ ወይም ሳይሰጥ ሁኔታዎች ተባብሰው ይሆናል፡፡ ይህንን በላኪውና በተቀባዩ በኩል ያለውን ችግር በጥልቀት በማጤን ኒያላ ኢሹራንስ ሁኔታዎችን አመቻችቷል በመሆኑም በውጭ ሃገር የሚኖሩ ኢትዮጵያውያን ኢትዮጵያ ላሉ ቤተዘመዶቻቸው የሕክምና፣ የአደጋ፣ የሕይወት፣ የንብረት ዋስትና መግዛት ይችላሉ፡፡ ለተጨማሪ መረጃ የሽፋኖቹን ዝርዝር ይመልከቱ ከዚያም ሲጨርሱ የዋስትና ቅጹን ይሙሉ፡፡ ይህንን በላኪውና በተቀባዩ በኩል ያለውን ችግር በጥልቀት በማጤን ኒያላ ኢሹራንስ ሁኔታዎችን አመቻችቷል በመሆኑም በውጭ ሃገር የሚኖሩ ኢትዮጵያውያን ኢትዮጵያ ላሉ ቤተዘመዶቻቸው የሕክምና፣ የአደጋ፣ የሕይወት፣ የንብረት ዋስትና መግዛት ይችላሉ፡፡ full story በርቀት ያሉትን ቤተሰብዎን በርቀት ያሉትን ቤተሰብዎን፣ ዘመድ አዝማድና ወዳጅዎን ምናልባትም በክፉ ቀን የረዱዎትን ሁሉ ከቀን ቀን ያስታውሱዋቸዋል፤ የቻሉትንም ያህል እየረዱ ይሆናል፡፡ በተጨማሪም ድንገተኛ አደጋ ወይም ሕመም ሲያጋጥማቸው በአስቸኳይ ገንዘብ ይልኩም ይሆናል ምናልባትም በጊዜው ሳይደርስ ወይም ሳይሰጥ ሁኔታዎች ተባብሰው ይሆናል፡፡ ይህንን በላኪውና በተቀባዩ በኩል ያለውን ችግር በጥልቀት በማጤን ኒያላ ኢሹራንስ ሁኔታዎችን አመቻችቷል በመሆኑም በውጭ ሃገር የሚኖሩ ኢትዮጵያውያን ኢትዮጵያ ላሉ ቤተዘመዶቻቸው የሕክምና፣ የአደጋ፣ የሕይወት፣ የንብረት ዋስትና መግዛት ይችላሉ፡፡ ለተጨማሪ መረጃ የሽፋኖቹን ዝርዝር ይመልከቱ ከዚያም ሲጨርሱ የዋስትና ቅጹን ይሙሉ፡፡ ይህንን በላኪውና በተቀባዩ በኩል ያለውን ችግር በጥልቀት በማጤን ኒያላ ኢሹራንስ ሁኔታዎችን አመቻችቷል በመሆኑም በውጭ ሃገር የሚኖሩ ኢትዮጵያውያን ኢትዮጵያ ላሉ ቤተዘመዶቻቸው የሕክምና፣ የአደጋ፣ የሕይወት፣ የንብረት ዋስትና መግዛት ይችላሉ፡፡ full story Home | About Us | Products | Service Units | FAQ | Contact Us ©2005 Nyala Insurance S. C.",40);arrFiles[23]=new Array(24,"nldump.htm","2005-10-03","Nyala Insurance Links","","","NEWS LETTER THIS NEWS LETTER IS PUBLISHED EVERY MONTH BY NYALA INSURANCE S.C. Date Issue No July, 2005 Issue No. 1 ( 307 KB) August, 2005 Issue No. 2 ( 307 KB) September, 2005 Issue No. 3 ( 307 KB) October, 2005 Issue No. 4 (307 KB) Home | About Us | Products | Service Units | FAQ | Contact Us ©2005 Nyala Insurance S. C.",18);arrFiles[24]=new Array(25,"nvestment.htm","2005-06-23","Nyala Insurance Investment","","","INVESTMENTS Future Protection House Addis Ababa Mickey Leland Street Bahir Dar Protection House Nazareth Protection House In the past Nyala Insurance \'s investment strategy was concentrated in the real estate development projects and accordingly has purchased plots of land in Addis Ababa, Nazareth and leased in Bahir Dar. The investment projects in Addis ababa consists of the purchase of a newly constructed 5 story building, which is currently serving as NISCO \'s Head Office, a wreck yard area to temporarily store damaged clients \' properties and a plot of land to construct a G+11 complex at Bole Road. in Nazareth town NISCO owns a G+1 building over a large area. The company will generate rental incomes from the developed building projects and thereby increase its financial strength that would encourage clients at large. The company will continue to invest in the real estate sector in economically viable towns like Dire Dawa, Awassa and Dessie. . Home | About Us | Products | Service Units | FAQ | Contact Us ©2005 Nyala Insurance S. C.",18);arrFiles[25]=new Array(26,"PDMedical.htm","2005-06-23","Nyala Insurance Medical Insurnace","","","Medical Insurance coverage details Application form | Agents | FAQ በተፈጥሮ ወይም በአደጋ ምክንያት ለሚያስፈልግ የሕክምናን ወጪ የሚሽፍን የኢንሹራንስ ፖሊሲ 1. በአገር ቤት የሚኖሩ ቤተሰብዎን፣ ዘመድ አዝማድና ወዳጅዎችዎን በተፈጥሮ በሽታ ወይም በአደጋ ምክንያት ሕክምና ቢያስፈልጋቸው በመረጡት የሽፋን መጠን ልክ የሕክምናውን ወጪ አነስተኛ አረቦን (Premium)በመክፈል የመድን ዋስትና ሽፋን ለመግዛት ይችላሉ፡፡ 2. በሽፋኑ የማይታቀፉ በሽታዎች ወይም አደጋዎች፣ 2.1 ዋስትና ከመገዛቱ በፊት ለደረሱ አደጋ ወይም የተፈጥሮ በሽታዎች (Prior sickness/accident)፤ 2.2 ከአንድ ጊዜ ኦፕራሲዮን በስተቀር ከእርግዝና እና ከወሊድ ጋር በተያያዘ በሽታ ወይም አደጋ፤ 2.3 በቀጥታ ወይም በተዘዋዋሪ ለሚደርስ የአባለዘር በሽታ (ኤች አይ ቪ ኤድስን ጭምር)፤ 2.4 ማናቸውንም ውርጃ ወይም የወሊድ ቁጥጥር (abortion and birth control)፤ 2.5 በአደጋ ምክንያት በአካል ላይ ጉዳት ካልደረሰ በስተቀር ለዓይን ምርመራ፣ ለመነፅር መግዣ፣ እንዲሁም ለጥርስ ሕክምና የሚደረጉ ወጪዎች፤ 2.6 ለመዋብ ለሚደረጉ የኮስሞቲክስ ኦፕራሲዮን ወጪ፤ 2.7 በተፈጥሮ በሽታ ወይም በአደጋ ምክንያት ለሚደርስ ጉዳት ምርመራ በስተቀር የሆስፒታል ወይም የክሊኒክ ምርመራ ወጪን፤ 2.8 በስካር ወይም አውቆ ራስን በመጉዳት ለሚደርስ የሕክምና ወጪ፤ 2.9 በሕዝባዊ ብጥብጥና ተቃውሞ ወይም በጦርነት ምክንያት በቀጥታም ሆን በተዘዋዋሪ ለሚደርስ የአካል ጉዳት ካሳ ወይም የሕክምና ወጪ፤ 2.10 በታወጀ ወይም ባልታወጀ ጦርነት፣ ወረራ ወይም ጦርነት መሰል እንቅስቃሴ ምክንያት ለሚደርስ አደጋ ካሣ ወይም የሕክምና ወጪ፤ 3. ሽፋኑን ለመግዛት ወጪው ምን ያሕል አነስተኛ እንደሆነ ያውቃሉ? አረቦን(Premium)	በአሜሪካ ዶላር የሕክምና ወጪ የገንዘብ መጠን ሽፋን(በብር) ለአደጋ ለሕመም ድምር	230 5,000 5,000 10,000	345 10,000 10,000 20,000	403 15,000 15,000 30,000 የአረቦኑ (premium) መጠን የወኪሉን ኮሚሽን ይሽፍናል፡፡ Personal Accident & Medical Insurance Benefits and Exclusions Benefits: Medical expenses incurred by the insured during the period of insurance within the territorial limit of Ethiopia and resulting from illness or accidental bodily injury sustained by the insured person within the period of insurance up to the maximum sum assured under each Accident or Medical cover. Exclusions: Accident or illness prior to the individual becoming an insured person Normal or abnormal pregnancy except of cesarean operation. Directly or indirectly from attributable to HIV or any related illness including AIDS. Sterilization abortion, miscarriage or vasectomy or any related family planning expenses. Eye testing or cost of eyeglass, hearing aids and dental treatment unless resulting from accident involving physical injury. Cosmetic or beauty treatment or surgery. Hospital or clinic check up which is not incidental or necessary to diagnosis sickness or accidental bodily injury. Expenses incurred in connection with and or incidental to intentional self-injury or resulting from dissipation or drunkenness. Any claim in connection with injury or disablement directly or indirectly caused by or contributed to by: Riot, strike, civil commotion Civil war, rebellion, revolution, insurrection or military or usurped power Any declared or undeclared war or the like invasion act of foreign enemy hostilities or war like operations. Annual Premium (in USD) Limits of Benefit (in Birr) For Accident For Illness Total 230 5,000 5,000 10,000 345 10,000 10,000 20,000 403 15,000 15,000 30,000 The Premium includes Agent \'s commission Application form | Agents | FAQ Home | About Us | Products | Service Units | FAQ | Contact Us ©2005 Nyala Insurance S. C.",32);arrFiles[26]=new Array(27,"PDProductIndex.htm","2005-06-23","Nyala Insurance Diaspora Services","","","FOR DIASPORAS Medical Insurance | Travel Insurance | Application form | Agents | FAQ ጤና ይስጥልን፣ መጀመሪያ የህሊና ጥያቄ ብንጠይቅዎት፣ አገር ቤት ያሉት ቤተሰብዎ፣ ዘመድ አዝማድዎ ቢታመሙ፣ አደጋ ቢደርስባቸው እንድንደርስ ይፈልጋሉ? ንብረታቸውስ በቃጠሎ በግጭት በስርቆት ቢጠፋ ዋስትና መስጠት ይፈልጋሉ? እርስዎስ መቼም ኢትዮጵያዊ ነዎትና አገር መግባት አይቀሬ ነውና “ኢንቨስት” ማድረግ ቢፈልጉስ? ወደ አገር ሲመጡ ለንብረትዎ ዋስትና አያስፈልግዎትም? አገር በመግባትስ “ኢንቨስት”ለማድረግም ቢፈልጉ መረጃ አይሹም? Click here to fill the request form now! ! ውድ ወንድምና እህቶቻችን በርቀት ያሉትን ቤተሰብዎን፣ ዘመድ አዝማድና ወዳጅዎን ምናልባትም በክፉ ቀን የረዱዎትን ሁሉ ከቀን ቀን ያስታውሱዋቸዋል፤ የቻሉትንም ያህል እየረዱ ይሆናል፡፡ በተጨማሪም ድንገተኛ አደጋ ወይም ሕመም ሲያጋጥማቸው በአስቸኳይ ገንዘብ ይልኩም ይሆናል ምናልባትም በጊዜው ሳይደርስ ወይም ሳይሰጥ ሁኔታዎች ተባብሰው ይሆናል፡፡ ይህንን በላኪውና በተቀባዩ በኩል ያለውን ችግር በጥልቀት በማጤን ኒያላ ኢሹራንስ ሁኔታዎችን አመቻችቷል በመሆኑም በውጭ ሃገር የሚኖሩ ኢትዮጵያውያን ኢትዮጵያ ላሉ ቤተዘመዶቻቸው የሕክምና፣ የአደጋ፣ የሕይወት፣ የንብረት ዋስትና መግዛት ይችላሉ፡፡ ለተጨማሪ መረጃ የሽፋኖቹን ዝርዝር ይመልከቱ ከዚያም ሲጨርሱ የዋስትና ቅጹን ይሙሉ፡፡ ተልዕኮአችን አለኝታዎን ማስከበር ነው! We know you do! Nyala Insurance is right here to give you that special service! Do you know the benefits you buy? Hospitalization both for natural and accidental bodily injury up to the limit of cover purchased for each and with minimal premium ! Please contact our agents in USA or visit our website as and when you wish to insure yours and your loved ones property. Please note there is a requirement to survey the risk of the property and estimate its insurable value in order to compute the appropriate rate.See details of the coverages for further information. Medical Insurance | Travel Insurance | Application form | Agents | FAQ Home | About Us | Products | Service Units | FAQ | Contact Us ©2005 Nyala Insurance S. C.",27);arrFiles[27]=new Array(28,"PDTravel.htm","2005-06-22","Nyala Insurance Travel Insurance","","","TRAVEL INSURANCE This page will be available shortly Application form | Agents Home | About Us | Products | Service Units | FAQ | Contact Us ©2005 Nyala Insurance S. C.",16);arrFiles[28]=new Array(29,"Performance.htm","2005-06-23","Nyala Insurance Performance","","","PERFORMANCE REPORT The Chairman \'s Statement The Director \'s report The Auditors \' Report Chairman \'s Report I am delighted to once again congratulate members of the Board of Directors, the Staff and Management of Nyala Insurance S. C. for their outstanding 2003/04 performance achieved against all odds prevailed during the year under review. The Company \'s growth and contribution to profit were derived more from internal efficient management practices than from the general economic improvement. Management \'s continuous focus on cost effectiveness, risk & financial management and sustainable and strong client/staff relationship have indeed made positive contribution­. In addition, previous years \' voluntary and prudent provisions have greatly reduced the impact of the newly introduced Directives of National Bank of Ethiopia on provisions related to Trade Debtors and Financial Guarantees would have caused on the bottom line. On behalf of the Board of Directors, I would like to take this opportunity and extend my gratitude to our clients who gave us their confidence, support, and continued placement of their business. Their unreserved supports with valuable and constructive feedbacks have always been the keys to our success. I also wish to express my appreciation to our world class Reinsurers. My thanks and deep­est appreciation also goes to all our Service Providers, Private and/or Government Institutions/Individuals for their valuable contribution during the last nine years and for making favorable environment for us to achieve the desired growth and profitability. With the same tone, I wish to express my heartfelt thanks to my members of the Board, fellow Shareholders and indeed to all staff of our Company. I am indeed happy to present to my fellow Shareholders and other Stakeholders the Annual Report for the year ended June 30, 2004 and which includes: The Report of the Directors Tha Aduditors \' Report attached thereto: Getachew Kibre Selassie Chairman September 30, 2004 Auditors \' Report TO : THE SHAREHOLDERS OF NYALA INSURANCE SHARE COMPANY We have audited the accompanying financial statements of Nyala Insurance Share Company for the year ended on June 30, 2004. These financial statements are the responsibility of the Company \'s Board of Directors. Our responsibility is to express an opinion on these statements based on our audit. We conducted our audit in accordance with International Standards on Auditing. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements. An audit also includes assessing the accounting principles used and significant estimates made by management, as well as evaluating the overall financial statement presentation. We believe that our audit provides a reasonable basis for our opinion. In our opinion, the financial statements referred to above present fairly, in all material respects, the financial position of the Company as at June 30, 2004 and the results of its operations and cash flows for the year then ended in accordance with International Accounting Standards. We have no comments to make on the report of your Directors in so far as it relates to these accounts and pursuant to Article 375 of the Commercial Code of Ethiopia 1960, recommend approval of the above mentioned statements. Addis Ababa : September 29, 2004 Chairman \'s Report | Auditors \' Reports Home | About Us | Products | Service Units | FAQ | Contact Us ©2005 Nyala Insurance S. C.",23);arrFiles[29]=new Array(30,"php.txt","2005-06-22","php","",""," _POST[ Agentemail ]. ,nisco@ethionet.et,naody@nyalainsurance.com ;",1);arrFiles[30]=new Array(31,"Protect.htm","2005-01-05","Nyala Insurance ","","","PROTECT YOUR LOVED ONES Should you wish to help your loved ones and buy Insurance covers for them, please fill out the following request form. It shall be acted upon and response given to you soon. You can contact our agents in USA for further details. Payment method and account shall be advised on due course by Nyala Insurance S. Co (NISCO) Online Application form See details >> From: (Sponsor \'s particulars) Full Name * Country * State City/town * E-mail * Tel * Fax Select Your Agent * Ezra Teshome Zecharias Getahachw I would like to buy the following Insurance policies for my: Personal Accident + Medical Select benefit limit 5,000 + 5,000 birr 10,000 + 10,000 birr 15,000 + 15,000 birr see details Annual Flat Premium in USD per individual (This amount is excluding agent \'s commission and mony transfer fee.) Others Auto Fire Property Insurance Others ------- MONEY INSURANCE BURGLARY INSURANCE FIDELITY INSURANCE ENGINEERING INSURANCE MARINE INSURANCE The clients particulars in Ethiopia: FULL NAME * CITY/TOWN * WEREDA KEBELE HOUSE NO. TEL * FAX E-MAIL * = Required fields",10);arrFiles[31]=new Array(32,"Reinsurers.htm","2005-06-23","Nyala Insurance Reinsurers","","","REINSURERS \' PROFILE We guarantee CARE & ROTECTTION through highly reputed and world class Re-insurance companies who are financially and professionaly strong. Accordigly Nyala \'s treaty programe is lead and includes world \'s number one and two re-reinsurers. The Major Reinsurers and Reinsurance Brokers are:- Reinsurers & Reinsurers Broker African Re Corp. Hospital Road, Upper Hill P.o. Box 62328, 00200 Nairobi Kenya Tel: 254-2-730660 email:nairobi@africa-re.com Munich Re Corner House, Mama Nigina Street P.o. Box 44434, 00100 Nairobi, GPO Kenya Tel: 254-2-226340 email:ruaria@munichre.com Swiss Re South Africa Limited Swiss park, 10 Queens Road Parktown 2193 PO Box: 7049, Johannesburg 2000 Tel: +27 11 489 5600 Afro Asian Insuranc Services Tel: 44(0)20-8903 0606 AON Group Limited Non-Marine Reinsurance 8 Devonshire Square London EC2M 4PL Tel: 0171 623 5500 Home | About Us | Products | Service Units | FAQ | Contact Us ©2005 Nyala Insurance S. C.",21);arrFiles[32]=new Array(33,"results.html","2005-10-11","JSE SEARCH RESULTS","","","result(s) found",1);arrFiles[33]=new Array(34,"sendmailprotect.php","2005-06-22","Thank you!","","","; Message.= Country:; Message.= _POST[Yourcountry]. ; Message.= State:; Message.=_POST[Yourstate]. ; Message.= City/town: ; Message.=_POST[Yourcitytown]. ; Message.= Email: ; Message.=_POST[Youremail]. ; Message.= Telephone Number:; Message.=_POST[Yourtelephone]. ; Message.= Fax: ; Message.=_POST[Yourfax]. ; Message.= Agent: ; Message.=_POST[youragent]. ; Message.=_POST[Agentemail]. ; Message.= I would like to buy the follwing Insurance cover for my: ; Message.=_POST[Yourrelative]. ; Message.= Medical + Personal Accident limit in Birr: ; Message.= _POST[selectpa1]. ; Message.= Annual Flat Premium per individual:; Message.= _POST[AnnualFlatPremium]. ; Message.= Others:; Message.=_POST[Auto]. ; Message.=_POST[Fire]. ; Message.=_POST[Property]. ; Message.= Others:; Message.= _POST[selectothers]. ; Message.= Asset owner particulars in Ethiopia:: ; Message.= Insured Name: ; Message.=_POST[Insuredfullname]. ; Message.= City/town: ; Message.= _POST[Insuredcitytown]. ; Message.= Wereda: ; Message.= _POST[WEREDA]. ; Message.= Kebele: ; Message.= _POST[KEBELE]. ; Message.= House No:; Message.= _POST[HOUSENO]. ; Message.= Telephone: ; Message.= _POST[Insuredtelephone]. ; Message.= Fax: ; Message.= _POST[Insuredfax]. ; Message.= E-mail:; Message.= _POST[Insuredemail]. ;to = _POST[Agentemail].,nisco@ethionet.et,naody@nyalainsurance.com;subject = PROTECT YOUR LOVED ONES;name = _POST[Yourfullname];from= _POST[Youremail];mail(to,subject,Message,From: name \\n.MIME-Version: 1.0 \\n.Content-type: text/html; charset=iso-8859-1);print Thank you for PROTECTING YOUR LOVED ONES! You will be contacted by our agents very soon. Nyala Insurance s.c Your Seal of Protection BACK TO HOME EOD;}?",2);arrFiles[34]=new Array(35,"serviceunits.htm","2005-06-23","Nyala Insurance Service Units","","","SERVICE UNITS Head Office | Addis Ababa | Up country Nyala Insurance is available all over Ethiopia to CARE and PROTECT you and your property. Currently it has 17 Service Units (Branch Offices), 9 in Addis Ababa and 8 in the Regions. It has also Satellite (Insurance Advisory) offices at Jijiga, Dilla, Weldya, Axum and Medical Insurance Adminstration Unit at Addis Ababa. You can call or visit any one of the Service Units to get detailed information on your insurance cover need Addis Ababa Service Unit Tel Fax P.O. Box Beklobet 251-1-654585 251-1-654078 12753 Bole(Corporate) 251-1-533353 251-1-533541 12753 Gola Sefer 251-1-555502 251-1-551326 12753 Tana 251-1-132152 12753 Kera/Gofa 251-1-520175 251-1-520174 12753 Easteren/Yerer 251-1-465048 251-1-626713 12753 Sister Co. (East) 251-1-533636 251-1-533541 12753 Sister Co. (West) 251-1-653605 251-1-654078 12753 Arada 251-1-579707 251-1-579709 12753 Up Country Service Unit Tel Fax P.O. Box Awassa 251-6-204999 251-6-205000 919 Bahir Dar 251-8-201718 251-8-201719 907 Dire Dawa 251-5-110408 251-5-112147 1387 Dessie 251-3-119111 251-3-112845 99 Jimma 251-7-110706 251-7-110146 1000 Mekelle 251-4-401111 251-4-409143 928 Nazareth 251-2-113399 251-2-111417 2136 Gondar 251-8-115312 251-8-117015 407 Jijiga 251-5-752138 251-5-752138 Dilla 251-6-313350 Weldya 251-3-311217 Axum 251-4-752545 HEAD OFFICE Human Resource, Operation & Legal, Technical, Business Development, Finance, Marketing & Managing Director Tel: +(251-1)-626667 Fax: +(251-1)-626706, PROTECTION HOUSE Addis Ababa Ethiopia Head Office | Addis Ababa | Up country Home | About Us | Products | Service Units | FAQ | Contact Us ©2005 Nyala Insurance S. C.",21);arrFiles[35]=new Array(36,"socialpar.htm","2005-06-23","Nyala Insurance Social Participation","","","SOCIAL PARTICIPATION CORPORATE CITIZENSHIP ANTI HIV/AIDS ACTIVITY NISCO has organized HIV/AIDS Prevention Club to take care of the staff and the community from this deadly virus, in colabration with the National AIDS Prevention and Control Office. The objectives of the club is presented as follows: NISCO HIV/AIDS PREVENTION COMMITTEE Vision : To see HIV/AIDS free staff & family within NISCO. Mission : To secure the prevalence of a healthy staff and family through the prevention and management of HIV/AIDS. Objective : To create awareness to the staff and NISCO \'s family in the prevention of the spread of HIV/AIDS. To provide information and educate the staff & family on how to prevent them from the pandemic and on conditions that contributes to vulnerability. To ensure that the company is providing the necessary support to keep the staff physically and mentally healthy. To work closely with other civic & professional societies in the fight against HIV/AIDS. To arrange special counselling, care and support for infected and/or affected staff and family members. To arrange dispenser and distribute brochures, leaflets etc. for information exchange and/or prevention. To follow-up international and national conventions & declaration on HIV/AIDS for a review and application at the workplace (NISCO). To advise NISCO management on potential risks and developments associated with HIV/AIDS for subsequent action. To encourage staff dialogue on HIV/AIDS and it \'s impact. To create and avail hygienic environment within canteen facility. Sponsorship of fund raising event held at Sheraton for Ethiopian Patriots Tennis player sponsored by NISCO CORPORATE FAMILYHOOD Christmas gathering for NISCO family members Staff relaxing at NISCO \'S fitness center NISCO \'S HIV/AIDS Committee Chairman in Ethiopian Employers Federation workshop . Home | About Us | Products | Service Units | FAQ | Contact Us ©2005 Nyala Insurance S. C.",21);arrFiles[36]=new Array(37,"uniquefeatures.htm","2005-06-27","Nyala Insurance Unique Features","","","Unique Features CAS | IAS | KYP | 24/7 | Computerized service | NSICO net service FREE INSURANCE ADVISORY & AWARENESS SERVICE NISCO demonstrates its Care & Protection commitments through the:- Advisory Service providing free risk management advice to corporate and individual customers, existing and/or potential. Insurance awareness session at all Service Units-nationwide. 1 CAS For Corporate and Individuals: Monday to Friday from 4:00 p.m. to 5:00 p.m. For students and Junior Citizens: Saturdays from 11:00 a.m. to 12:00 a.m . 2 IAS Providing one hour Insurance Awareness Service to any one interested to know about insurance. Monday to Friday 1600-1700 Hrs Saturday 1100-1200 Hrs 3 KYP SERVICE All NISCO \'s potential customers are requested to view a 15 minutes Know Your Policy (KYP) video to know the highlights of the Protection covers prior to policy purchase and thereby create transparent partnership at the outset. 4 24 HOURS SERVICE Nyala Insurance issues Call for Assistance (CFA) tags to all its Motor policyholders to hang at visible place inside their vehicles. In case of road accidents, the driver or others should use the information on the tag to call us, any time round the clock (24 Hours a day) and 7 days a week. For emergency call use: Tel 01-626667 Nights, Rest days and Holidays. 5 COMPUTERIZED SERVICE Nyala has computerized all its business processes and data processing activities. For the purpose, Advanced Insurance Management System (AIMS) software is implemented. The automated insurance service provides you efficient and prompt service NISCO-net SERVICE NISCO and its customers are partners in service requiring routine and daily enhancement not through promises but through practical steps. We aim to: answer your telephone call within 4 rings. let you know the name of the person you are talking to. get back to you on any query unanswered there and then, or at most within less than 24 working hours. be honest to our customers and all other stackholders in all our dealings, what ever it may cost us. SERVICE MUST EQUATE PROMISE (SMEP) We encourage our customers to do let us know if what we promise to them is not delivered to their satisfaction. Your comment is the only key to open up our heart and mind and to work for utmost satisfaction of those we serve nationwide. Please call us at 251-1-62 6708/07, or drop a line to the Managing Director by P. O. Box 12753, Addis Ababa, Ethiopia. CARE and PROTECTION CARE and PROTECT is NISCO \'s staff main daily service menu and their promise YOUR PROTECTION IS GUARANTEED starts immediately after the policy cover is prepared, signed, affixed and issued with the YOUR SEAL OF PROTECTION stamp. STANDARD OFFICE All our offices have standard office setup with standard office and communication equipment, enabling each and every staff know each and every client at his/her Service Units (Branches). . Home | About Us | Products | Service Units | FAQ | Contact Us ©2005 Nyala Insurance S. C.",26);arrFiles[37]=new Array(38,"workmen.htm","2005-06-22","Nyala Insurance Workmen  \\'s Insurance","","","PRODUCTS ይህ ውል አንድ ሠራተኛ በስራው ቦታ ላይ እያለ በስራ ጊዜና ከስራው ጋር በተያያዘ ምክንያት በሚደርስበት አደጋ ምክንያት ወይም በስራ ምክንያት በሚመጣ በሽታ ለሚደርስበት የአካል ጉዳት ወይም ሞት የመድን ሽፋን ይሰጣል፡፡ የጉዳት ካሣን በፍጥነት ለመክፈል መሟላት ከሚገባቸው ማስረጃዎችና ቅድመ ሁኔታዎች መሀከል፣ በአግባቡ የተሞላ የአደጋ ማስታወቂያ ቅፅ የህክምና ፈቃድ ማስረጃ የቋሚ የአካል ጉዳተኝነት ማስረጃ ተሟልቶ መቅረብ አለባቸው፡፡ የሞት አደጋ በሚደርስበት ጊዜ ደግሞ በተጨማሪ የፖሊስ ሪፖርት የሬሳ ምርመራ ሰርተፊኬት ከፍርድ ቤት የተሰጠ የወራሽነት ማስረጃ ተሟልተው መቅረብ አለባቸው፡፡ Provides cover for any worker in the insured \'s immediate service engaged at work suffering death or bodily injury by accident or occupation­al diseases occurring at the place of work & dur­ing the time of work and in connection with his employment Documents and condition to be fulfilled for prompt claim settlement includes Duly completed claim notification form Outstanding premium should be settled Police report and Fire Brigade report Stock declaration and ownership evidence Books of accounts, sales and purchase invoices Settle the deductibles as applicable Clearance from Mortgager, if any . 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Nyala Insurance insists that HONESTY and INTEGRITY. Must be the corner stones of its business operations and expects some from its business associates. Employees are required to avoid conflict of interests and improper practice related to financial interest.  NYALA INSURANCE S.C.   YOUR SEAL OF PROTECTION  The Company shall always act commercially and operate within the national laws in socially responsible manner but, avoiding participation in any political matters. However, it is its legitimate right and responsibility to speak out publicity on matters that affect the interest of its Employees, Customers, and Shareholders. It shall also We provide care and protection give favorable consideration to employees who wish to engage in their community activities so long as found appropriate and does Nyala Insurance insists that HONESTY and INTEGRITY. Must be the corner stones of its business operations and expects some from its business associates. Employees are required to avoid conflict of interests and improper practice related to financial interest. Collection and malpractice of responsibilities will be liable to sever disciplinary measures. The Company shall always act commercially and operate within the national laws in socially responsible manner but, avoiding participation in any political matters. However, it is its legitimate right and responsibility to speak out publicity on matters that affect the interest of its Employees, Customers, and Shareholders. It shall also give favorable consideration to employees who wish to engage in their community activities so long as found appropriate and does not adversely affect  Nyala Insurance s.c. Protection House P.O. Box 12753 Addis Ababa, Ethiopia Tel: 251 1 626667 Fax: 251 1 626607 email: nisco@ethionet.et website: www.nyalainsurance.com  zEkre Nyala  Issue No. 1  July 2005  THIS NEWS LETTER IS PUBLISHED EVERY MONTY BY NYALA INSURANCE S.C.  We know you do!  Over the last 10 years, Nyala Insurance s.c. has been providing high standard and efficent CARE and PROTECTION services with unquestionable integrity and honecty to its estimed customers. At present, our company is one of the best insurance Companies iterms of:Nation wide and divercity of Care and Protection service; size and divercity of customers; and winning and maintaing customer \'s support and loyality. Thus, We encourage visitors and potential customers to check on our CARE & PROTECTION services that are prudently and responsibly provided. You may wish to enNyala Insurance is right here to give you that special service!  A C  E R  A  ND  We R know you do! P  TE O  T C  N IO  Nyala Insurance insists that HONESTY and INTEGRITY. Must be the corner stones of its business operations and expects some from its business associates. Employees are required to avoid conflict of interests and improper practice related to financial interest. Collection and malpractice of responsibilities will be liable to sever disciplinary measures. The Company shall always act commercially and operate within the national laws in socially responsible manner but, avoiding participation in any political matters. However, it is its legitimate right and responsibility to speak out publicity on matters that affect the interest of its Employees, Customers, and Shareholders. It shall also give favorable conpage 4  Do you know the benefits you buy?  Hospitalization both for natural and accidental bodily injury up to the limit of cover purchased for each and with minimal premium! Please contact our agents in USA or visit our website as and when you wish to insure yours and your loved ones property. Please note there is a requirement to survey the risk of the property and estimate its insurable value in order to compute the appropriate rate.See details of the coverages for further information. The Company recognizes that it is its self interest to operate within the mandate interested to it by society and shoulder its social responsibility, accordingly it shall.  www.nyalainsurance.com  CA  E R  A  D N  R  P                                      page 1  TE O  T C  N IO  www.nyalainsurance.com    ",313);arrFiles[317]=new Array(318,"docs/issue2.pdf","2005-09-13","Issue1DRAFT1.indd","","","Nyala Insurance s.c.  Nyala Insurance insists that HONESTY and INTEGRITY. Must be the corner stones of its business operations and expects some from its business associates. Employees are required to avoid conflict of interests and improper practice related to financial interest.  NYALA INSURANCE S.C.   YOUR SEAL OF PROTECTION  The Company shall always act commercially and operate within the national laws in socially responsible manner but, avoiding participation in any political matters. 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At present, our company is one of the best insurance Companies iterms of:Nation wide and divercity of Care and Protection service; size and divercity of customers; and winning and maintaing customer \'s support and loyality. Thus, We encourage visitors and potential customers to check on our CARE & PROTECTION services that are prudently and responsibly provided. You may wish to enNyala Insurance is right here to give you that special service!  A C  E R  A  ND  We R know you do! P  TE O  T C  N IO  Nyala Insurance insists that HONESTY and INTEGRITY. Must be the corner stones of its business operations and expects some from its business associates. Employees are required to avoid conflict of interests and improper practice related to financial interest. Collection and malpractice of responsibilities will be liable to sever disciplinary measures. The Company shall always act commercially and operate within the national laws in socially responsible manner but, avoiding participation in any political matters. However, it is its legitimate right and responsibility to speak out publicity on matters that affect the interest of its Employees, Customers, and Shareholders. It shall also give favorable conpage 4  Do you know the benefits you buy?  Hospitalization both for natural and accidental bodily injury up to the limit of cover purchased for each and with minimal premium! Please contact our agents in USA or visit our website as and when you wish to insure yours and your loved ones property. Please note there is a requirement to survey the risk of the property and estimate its insurable value in order to compute the appropriate rate.See details of the coverages for further information. The Company recognizes that it is its self interest to operate within the mandate interested to it by society and shoulder its social responsibility, accordingly it shall.  www.nyalainsurance.com  CA  E R  A  D N  R  P                                      page 1  TE O  T C  N IO  www.nyalainsurance.com    ",313);arrFiles[318]=new Array(319,"docs/issue3.pdf","2005-09-13","Issue1DRAFT1.indd","","","Nyala Insurance s.c.  Nyala Insurance insists that HONESTY and INTEGRITY. Must be the corner stones of its business operations and expects some from its business associates. Employees are required to avoid conflict of interests and improper practice related to financial interest.  NYALA INSURANCE S.C.   YOUR SEAL OF PROTECTION  The Company shall always act commercially and operate within the national laws in socially responsible manner but, avoiding participation in any political matters. However, it is its legitimate right and responsibility to speak out publicity on matters that affect the interest of its Employees, Customers, and Shareholders. It shall also We provide care and protection give favorable consideration to employees who wish to engage in their community activities so long as found appropriate and does Nyala Insurance insists that HONESTY and INTEGRITY. Must be the corner stones of its business operations and expects some from its business associates. Employees are required to avoid conflict of interests and improper practice related to financial interest. Collection and malpractice of responsibilities will be liable to sever disciplinary measures. The Company shall always act commercially and operate within the national laws in socially responsible manner but, avoiding participation in any political matters. However, it is its legitimate right and responsibility to speak out publicity on matters that affect the interest of its Employees, Customers, and Shareholders. It shall also give favorable consideration to employees who wish to engage in their community activities so long as found appropriate and does not adversely affect  Nyala Insurance s.c. Protection House P.O. Box 12753 Addis Ababa, Ethiopia Tel: 251 1 626667 Fax: 251 1 626607 email: nisco@ethionet.et website: www.nyalainsurance.com  zEkre Nyala  Issue No. 1  July 2005  THIS NEWS LETTER IS PUBLISHED EVERY MONTY BY NYALA INSURANCE S.C.  We know you do!  Over the last 10 years, Nyala Insurance s.c. has been providing high standard and efficent CARE and PROTECTION services with unquestionable integrity and honecty to its estimed customers. At present, our company is one of the best insurance Companies iterms of:Nation wide and divercity of Care and Protection service; size and divercity of customers; and winning and maintaing customer \'s support and loyality. Thus, We encourage visitors and potential customers to check on our CARE & PROTECTION services that are prudently and responsibly provided. You may wish to enNyala Insurance is right here to give you that special service!  A C  E R  A  ND  We R know you do! P  TE O  T C  N IO  Nyala Insurance insists that HONESTY and INTEGRITY. Must be the corner stones of its business operations and expects some from its business associates. Employees are required to avoid conflict of interests and improper practice related to financial interest. Collection and malpractice of responsibilities will be liable to sever disciplinary measures. The Company shall always act commercially and operate within the national laws in socially responsible manner but, avoiding participation in any political matters. However, it is its legitimate right and responsibility to speak out publicity on matters that affect the interest of its Employees, Customers, and Shareholders. It shall also give favorable conpage 4  Do you know the benefits you buy?  Hospitalization both for natural and accidental bodily injury up to the limit of cover purchased for each and with minimal premium! Please contact our agents in USA or visit our website as and when you wish to insure yours and your loved ones property. Please note there is a requirement to survey the risk of the property and estimate its insurable value in order to compute the appropriate rate.See details of the coverages for further information. The Company recognizes that it is its self interest to operate within the mandate interested to it by society and shoulder its social responsibility, accordingly it shall.  www.nyalainsurance.com  CA  E R  A  D N  R  P                                      page 1  TE O  T C  N IO  www.nyalainsurance.com    ",313);arrFiles[319]=new Array(320,"docs/issue4.pdf","2005-09-13","Issue1DRAFT1.indd","","","Nyala Insurance s.c.  Nyala Insurance insists that HONESTY and INTEGRITY. Must be the corner stones of its business operations and expects some from its business associates. Employees are required to avoid conflict of interests and improper practice related to financial interest.  NYALA INSURANCE S.C.   YOUR SEAL OF PROTECTION  The Company shall always act commercially and operate within the national laws in socially responsible manner but, avoiding participation in any political matters. 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At present, our company is one of the best insurance Companies iterms of:Nation wide and divercity of Care and Protection service; size and divercity of customers; and winning and maintaing customer \'s support and loyality. Thus, We encourage visitors and potential customers to check on our CARE & PROTECTION services that are prudently and responsibly provided. You may wish to enNyala Insurance is right here to give you that special service!  A C  E R  A  ND  We R know you do! P  TE O  T C  N IO  Nyala Insurance insists that HONESTY and INTEGRITY. Must be the corner stones of its business operations and expects some from its business associates. Employees are required to avoid conflict of interests and improper practice related to financial interest. Collection and malpractice of responsibilities will be liable to sever disciplinary measures. The Company shall always act commercially and operate within the national laws in socially responsible manner but, avoiding participation in any political matters. However, it is its legitimate right and responsibility to speak out publicity on matters that affect the interest of its Employees, Customers, and Shareholders. It shall also give favorable conpage 4  Do you know the benefits you buy?  Hospitalization both for natural and accidental bodily injury up to the limit of cover purchased for each and with minimal premium! Please contact our agents in USA or visit our website as and when you wish to insure yours and your loved ones property. Please note there is a requirement to survey the risk of the property and estimate its insurable value in order to compute the appropriate rate.See details of the coverages for further information. 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