Press Release
Nuance Group, Shopper’s Stop sign MOU for duty free retail market at airports
New Delhi, June 10, 2006 – The Nuance Group is teaming up with one of India’s leading retailers Shopper’s Stop Ltd. (part of the K. Raheja Corp. – Chandru. L. Raheja Group) in a joint venture designed to enter the Indian airport retail market. The JV Company will be equally owned by both partners and plans to offer a comprehensive range of services, from operating master concessions to distribution for international brands.
The MoU was signed by the companies’ representatives in Hyderabad today.India, is currently one of the most promising markets as far as development in airports and its marketing is concerned. This process is further accelerated by the upcoming privatisation of several major airports across the country as well as by the fast expansion of various airline companies in the country. The Nuance Group has defined India as one of its key strategic expansion areas.
Shopper’s Stop Ltd., has built up a strong competence in department stores and operates 20 Shoppers’ Stop stores all over India, which carry a mix of both national and international brands. The company has been paramount in bringing to India some of the best names in fashion and cosmetics. Shopper’s Stop Ltd. (a part of K. Raheja Corp.- C.L. Raheja Group) group company has a 100% subsidiary Crossword, which sells books, music CDs, stationary, newsprint, toys and games at 33 locations. K.Raheja Corp- .- C.L. Raheja Group also owns and operates Inorbit Malls one of the most successful malls in the country in Malad a suburb of Mumbai.
In early 2006, the K. Raheja Corp. – C.L. Raheja Group has introduced their value retail concept Hypercity which is the country’s largest hypermarket at 118,000 sq.ft.
Teaming up in a 50/50 joint venture, the two companies offer a perfect combination in expertise of international airport retailing and retailing to the Indian customer. The objective of the joint venture is to offer a wide range of services for Indian airport retail both on the duty free side and the domestic side as per applicable regulations, from the operation of master concessions, duty-free, and food & beverage concessions to the franchise of concepts developed by Nuance or third parties as well as distribution of international brands of wine and liquor to hotels and other wholesalers as may be permitted by Foreign Direct Investment Regulations.
Carlo Bernasconi, EVP Business Development & Strategic Marketing, The Nuance Group, comments: “The signing of this MoU with Shopper’s Stop Ltd. is a first milestone for The Nuance Group’s entry into the dynamic growth market India. We are convinced that together we will be able to create a truly unique offer perfectly tailored to the needs of the customers at Indian airports.”
Mr. B.S. Nagesh, MD, Shopper’s Stop Ltd., comments: ” We believe with this partnership we will extend our unique shopping experience to the airports and touch the lives of millions of travelers. This will also help us create a larger footprint across the country”.
The Nuance Group – The Nuance Group (www.thenuancegroup.com) is the world’s leading airport retailer, operating 330 outlets at 59 airports in 17 countries and employing 4 500 personnel. The Nuance Group is jointly and equally owned by its two Italian shareholders, GECOS/Gruppo PAM (www.gruppopam.it) and Stefanel (www.stefanel.it).
Shopper’s Stop Ltd. – Shoppers’ Stop Ltd., is a leader in the Indian Retail Sector and one of the pioneers in setting up large format department stores chain in India.
Shopper’s Stop Ltd has a national presence, with 950,701 square feet of retail space and stocks over 200 international and Indian brands.
India’s premier shopping destination with stores in Mumbai, Delhi, Bangalore, Hyderabad, Jaipur, Pune, Kolkata, Gurgaon, Chennai and Ghaziabad, Shoppers’ Stop is today India’s largest retail chain of department stores. Shoppers’ Stop Ltd., is the only Indian member of IGDS (Intercontinental Group of Departmental stores) along with 29 other experienced retailers from all over the world. Shoppers’ Stop has been awarded Superbrand status 2003-2007 by an independent Super brands Council comprising of the most eminent professionals from Marketing and Advertising out of a national list of 711 brands across 98 categories.
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Bali is full of memorable moments, and some of them involve animals. Temple monkeys tug at bags, beach dogs nap near sunbeds, and cats wander into cafés like they own the place. Most interactions are harmless, but a bite or scratch can change the day quickly, because you may need immediate medical care and follow-up treatment. This is where Bali travel insurance becomes more than a box to tick.
In this article, you will explore whether animal bite treatment is insured, the exclusions, and the steps to claim easily in Bali.
Why Animal Bites in Bali Need Special Attention
Bites are not only about the visible wound. Insurers and doctors both treat them as medical events that can pose an infection risk, especially when the bite breaks the skin.
A scratch that looks small in the moment can still lead to:
● A doctor’s examination and wound cleaning
● Medicines and dressings
● Follow-up consultations if the doctor advises observation or further care
From an insurance perspective, this matters because claims are usually assessed on medical necessity and documentation, not on how dramatic the injury appears in a photo.
How International Travel Insurance Looks at an Animal Bite
Most travel policies are built around emergency medical expenses for unexpected illness or accidental injury abroad. A bite or scratch usually fits the accidental injury bucket, but coverage is rarely blanket.
In many plans, the following may be considered if a doctor prescribes them and bills and medical notes support them:
● Consultation and outpatient treatment
● Emergency care and procedures, such as wound dressing or stitches, if clinically required
● Prescribed medicines and investigations
● Hospitalisation if the treating doctor confirms it is needed
Common Reasons Claims Get Reduced or Rejected
This is the part travellers often miss. Insurers usually do not deny claims because an animal was involved. Claims become difficult when the event looks avoidable, the reporting is delayed, or the paperwork is weak.
Avoidable-Risk Situations Insurers Scrutinise
Policies commonly exclude or limit claims linked to unsafe conduct or preventable exposure. For animal bites, scrutiny may increase if the incident appears connected to:
● Provoking, feeding, or trying to handle wild animals
● Ignoring warning signs at tourist spots
● Being intoxicated at the time of the incident
● Activities that a policy lists as excluded or restricted
The takeaway is simple: if your own description sounds like a risky choice rather than a sudden accident, the insurer may challenge it.
Delays, Missing Papers, and Policy Conditions
Even when your incident is genuinely accidental, claims can still stall due to basics such as:
● Not informing the insurer or assistance partner within the required time
● Missing itemised bills, prescriptions, or clinical notes
● No proof of travel dates or passport entry details when requested
● Submitting only pharmacy slips without a doctor’s consultation record
International travel insurance is paperwork-driven. If you document it well, you reduce the chance of avoidable back-and-forth.
What to Do If You Are Bitten or Scratched in Bali
Your health comes first, always. But a few sensible steps can protect your recovery and keep your insurance file clean.
Medical Steps That Help You and Your Claim
Act fast, stay calm, and get proper care before worrying about bills.
● Clean the wound promptly and seek medical care, even if it seems minor
● Follow the doctor’s advice, including follow-ups if recommended
● Avoid self-medicating in place of a clinical assessment, because insurers often ask for a doctor’s report
Claim Notes and Documents to Collect
Keep these handy; they’ll save time and avoid follow-up questions later.
● Doctor’s notes that mention the nature of injury, treatment given, and advised next steps
● Prescriptions and pharmacy invoices
● Itemised hospital or clinic bills
● A brief written note of where and when it happened, while it is still fresh in your mind
Final Word
Animal bites in Bali are not rare, and they are not always dramatic, which is exactly why travellers underestimate them. Many travel policies can cover bite-related medical treatment when it is accidental and medically necessary, but the outcome depends on your policy terms and the quality of your documentation. If you buy cover thoughtfully, keep the assistance number handy, and respond sensibly if an incident happens, you give yourself the best chance of both good medical care and a smoother claim experience.
