SBI General Bharat Griha Raksha

SBI General Bharat Griha Raksha

Arogya Sanjeevani Policy
We Protect You
  • Home Structure Cover

    Home Structure Cover

  • Cover for Owners, Tenants & Landlords

    Cover for Owners, Tenants & Landlords

  • Policy Tenure – 1 to 10 years

    Policy Tenure – 1 to 10 years

  • Cover for Loss of Rent

    Cover for Loss of Rent

  • Optional coverage for valuables

    Optional coverage for valuables

  • Optional Personal Accident Cover for Insured and Spouse

    Optional Personal Accident Cover for Insured and Spouse

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Key Feature
  • Policy available from 1 year to 10 years
  • Coverage for building (structure) and/ or contents
  • Home contents are automatically covered at 20% of Sum Insured amount for the building (subject to maximum of Rs 10 lacs)
  • Flexible options for coverage of home contents
  • Optional covers available for valuable contents
  • Optional cover for personal accident of Rs 5 lakh each for self and spouse (arising out of fire and allied perils)
  • Inbuilt cover for fee payable to architect/ surveyor/consulting engineer (5% of claim amount)
  • Inbuilt cover for removal of debris (2% of claim amount)
  • Inbuilt cover for loss of rent/ rent for alternative accommodation
  • Auto-escalation of sum insured by 10% for annual policies and for long term policies
  • Building (structure) and contents insured on reinstatement/ replacement value basis
  • Valuable contents insured on agreed value basis
  • Underinsurance is not applicable
  • No deductible applicable
Coverage

Bharat Griha Raksha covers you for the following:

  • Fire
  • Explosion or Implosion
  • Lightning
  • Earthquake
  • storm, cyclone, typhoon, tempest, hurricane, tornado, tsunami, flood and inundation
  • Subsidence of the land on which your home building stands, landslide, rockslide
  • Forest fire, bush fire, jungle fire
  • Impact damage of any kind, i.e. damage caused by impact of, or collision caused by, any external physical object (e.g. vehicle, falling trees, aircraft, wall etc.)
  • Missile testing operations
  • Riot, strike, malicious damages
  • Acts of terrorism
  • Bursting or overflowing of water tanks, apparatus and pipes
  • Leakage from automatic sprinkler installations.
  • Theft within 7 days from the occurrence of and proximately caused by any of the above insured events
Major Exclusion
  • Wilful or intentional act or omission
  • War, invasion, act of foreign enemy
  • Ionising radiation or contamination by radioactivity
  • Pollution or contamination
  • Short circuiting, arcing, self- heating or leakage of electricity from whatever cause (lightning included)
  • Loss of earning, loss by delay, consequential loss
  • Reduction in market value
  • Costs, fees, expenses for preparing any claim
  • Product UIN - IRDAN144RP0032V01202021
  • Disclaimer: The above information is indicative in nature, for more details on complete coverage and terms and conditions, please contact our nearest office and also read the policy document and sales brochure carefully before concluding a sale.
    * subject to terms and conditions of the policy
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