(i) Internal Tariff rated products : All rule based underwriting products. Standard products that can be sold by any offices of the insurer with the rates, terms and conditions of cover, including choice of deductible where applicable. Examples are Fire insurance up to a certain sum insured or category of risk limitation, Motor insurance other than fleets, PA other than groups, Health insurance other than groups, Burglary, Fidelity guarantee etc. (ii) Packaged or customized : Specially designed for an individual client or class of clients in terms of scope of cover, basis of insurance, deductibles, rates, terms and conditions of cover. Also, known as Special Contingency products.