Press Release
Star CJ launches its M-Commerce Site
MUMBAI: Star CJ Network India– India’s largest home shopping network launches its M-Commerce website, bringing its products and services to the consumer’s palm. This move has been taken to take advantage of the growing number of mobile internet users in India, which presently is estimated to be 120 million, much more than the users using internet on their computers (estimated at 100 million). The other major reason behind this step is the overwhelming success experienced by the Company for their mobile DM service, which was launched as a pre-requisite to this m-commerce website in June this year. The mobile DM service has been growing at an average month-on-month rate of 250%, fetching the company 55% of the total sales through internet as compared to 45% achieved from the e-commerce front. The Company informed that a special team from Korea was assigned to develop the M-commerce website of the Company, which is going live on 19 November 2014.
The biggest differentiating factor for STAR CJ’s M-commerce website is the live access provided to the consumers buying products from distinct sellers on the platform to view STAR CJ alive on their mobile phones. This will also allow the consumers to view live demonstrations of the products, over and above their images and specifications. Placing an order would be easier than ever!
Commenting on the launch of the new M-commerce site Star CJ Network CEO Kenny Shin says, “M-commerce has grown phenomenally in India due to rapid growth in the smartphone sector. STAR CJ looks at this platform as one of the greatest opportunities to penetrate further into the Indian market. The team has done an impressive job with the design, making it extremely easy for consumers to access and navigate through the website.”
The website has been specifically designed for easy access and navigation on all types of mobile phones with internet. A direct link would be provided to the users, which will connect them to the STAR CJ call centre on a simple click. This will smoothen and simplify the purchase, freeing the consumers from the tedious online payment process. Special discounts would be offered to the early birds, celebrating Company’s presence on the m-commerce platform.
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.
