Sampoorna Grih Suraksha

Section 1-Fire & Allied Perils (Compulsory)

Coverage:

This Section covers Buildings other than ‘kutcha’ construction type only.
Contents excluding money and valuables (unless agreed specifically by Us) are covered under this Section.
The coverage under this Section is against various perils as named below

a) Fires

b) Lightning

c) Explosion / Implosion

d) Aircraft Damage

e) Riot, Strike, Malicious and Terrorism Damage

f) Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood and Inundation

g) Impact Damage

h) Subsidence and Landslide including rock slide

i) Bursting and/or overflowing of Water Tanks, Apparatus and Pipes

j) Missile Testing operations

k) Leakage from Automatic Sprinkler Installations

l) Bush Fire

m) Earthquake (On payment of additional Premium)

n) Terrorism ( On payment of additional premium)

Section 2-Burglary & Robbery

Coverage:

The Section covers loss or damage by actual or attempted burglary and/or robbery including theft during the Policy Period in respect of the following:

a) Contents or any item whilst kept in the insured premises

b) Damage to Insured Premises (including reasonable costs for damaged locks at the entry and/or exit Points) caused by actual or attempted burglary and/or theft during the Policy Period.

Section2 (a) – Cash at Home (Only if specifically declared and mentioned in the Policy Schedule, will be a sublimit within the total sum insured of the section)

The Section covers loss or damage to Currency Notes/Cash contained in a locked safe / locked almirah by actual or attempted burglary and/or robbery up to the limit agreed and as mentioned in the schedule.

Note: Cash/Currency notes and Jewellery must be stored in a safe / locked almirah.

Section 3-All Risk (Jewellery & Watches)

Coverage:

This Section will indemnify You in respect of Your Jewellery and Watches including precious stones etc whilst kept or lying in Your house or whilst worn during travelling and/or in any social function occasioned by fire, theft, robbery or any other fortuitous event.

Section 4-Plate Glass

Coverage:

This Section covers:

1. accidental loss of damage to Plate Glass.
2. damage to frame and framework of any description following breakage of Glass and/or subject to a maximum of Rs 5000/-.
3. the cost of tinting, lettering, painting, embossing, silvering or any other ornamental work on the replacement Glass, provided that such costs have been included in the Sum Insured of the Glass under this Section.

Section 5-Electrical & Mechanical Breakdown of Domestic Appliances

Coverage:

This Section provides coverage against Electrical & Mechanical Breakdown of Domestic Appliances due to unforeseen and sudden breakdown by any cause not hereinafter excluded whilst in the Premises necessitating its immediate repair or replacement.

Section 6-Electronic Equipment

Coverage:

This Section covers the electronic equipment such as Personal computers including printers and other peripherals, TV ,DVD players etc. against any Loss due to a fortuitous event including Electrical & Mechanical breakdown of Electronic Equipment except for causes hereinafter excluded whilst in the Premises necessitating its immediate repair or replacement

Section 7-Personal Accident

Coverage:

This Section provides coverage against Accidental bodily injury directly resulting in the Death or disablement to You as per the Table of Benefits

The scope of coverage shall depend on the benefit selected by You from below mentioned options.

A) Basic Cover:Accidental Death only

B) Wider Cover: Accidental Death + Permanent Total Disability + Permanent Partial Disability

C) Comprehensive Cover: Accidental Death + Permanent Total Disability + Permanent Partial Disability + Temporary Total Disability

Additional Extension:

Accidental Medical Expenses: This Section covers the medical expenses reasonably and necessarily incurred by You towards medical expenses as a result of an Accident resulting in the bodily injury, Death or Disablement. You can choose from the following four options.

a. For actual Expense or 10% of CSI or 25% of admissible PA claim, whichever is less

b. For actual Expense or 20% of CSI or 40% of admissible PA claim, whichever is less

c. For actual Expense or 35% of CSI or 75% of admissible PA claim, whichever is less

d. For actual Expense or 50% of CSI or 100% of admissible PA claim, whichever is less

Section 8-Employee's Compensation

Coverage:

This Section protects You against legal liability respect of Accidental Death, bodily injury, illness or disease to a domestic help under Your direct employment while working at the Premises Insured under the Policy during the Policy Period.

Section 9-Baggage Insurance

Coverage:

This Section covers the Accidental loss of, destruction of or damage caused to Personal baggage whilst being carried by You and/or Your insured family members anywhere in the world.

Section 10-Public Liability

Coverage:

This Section covers You against legal liability including the Defense costs incurred by You against

(a) Third Part Property Damage

(b) Third Party Bodily injury/death

caused due to any negligence of Yours or Your family solely at the insured premises named in the Policy if notified during the Policy Period.

Customer Care Helpline : 1800 22 4030, 1800 200 4030, 022 - 27 63 9800,022 - 39133700

Health Product Customers Helpline : 1800 200 5142, 022 – 39 63 5200