Simple Home Insurance Policy

Simple Home Insurance Policy

Arogya Sanjeevani Policy
We Protect You
  • Package Cover with 10 sections

    Package Cover with 10 sections

  • Reinstatement and Market Value basis of SI

    Reinstatement and Market Value basis of SI

  • Fast, Fair & Transparent Claims Process

    Fast, Fair & Transparent Claims Process

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Key Features
  • This policy covers multiple sections under package policy.
  • Option to choose any section with section of Fire and Allied Perils
  • Multiple optional cover under section of Fire and Allied Perils like Optional cover for valuable content on Agreed value basis upto Sum Insured of Rs. 5Lac, Personal Accident of Rs 5Lac each for self and spouse
  • Home contents are automatically covered at 20% of Sum Insured amount for the building (subject to maximum of Rs 10Lac) under section of Fire and Allied Perils
  • Inbuilt cover of earthquake, act of terrorism, removal of debris, professional fees etc. under Fire and Allied Perils
  • Additional benefit for property of domestic employees and guests under section of Burglary Insurance
  • Policy Tenure upto 3 years
  • Policy protects loss of vehicle key, cash whilst in transit, Plate Glass
  • Policy protects your baggage during the travel
  • No Underinsurance
Coverage

Section I: Standard Fire and Special Perils

This policy provides cover for building structures and contents due to following perils:

  • Fire, including due to its own fermentation, or natural heating or spontaneous combustion
  • Explosion or implosion
  • Explosion or implosion
  • Lightning
  • Earthquake, volcanic eruption, or other convulsions of nature
  • Storm, cyclone, typhoon, tempest, hurricane, tornado, tsunami, flood and inundation
  • Subsidence of the land on which your premises stand, landslide, rockslide
  • Bush fire, forest 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, strikes, 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.

Section II: Burglary and Theft

Loss and damage to home content caused and/or attempted by Burglary or Theft including Larceny.

Additional Benefit: Property of domestic employees and guest: We will cover any losses due to Burglary and Theft of personal belonging of Your domestic staff and guests while it is in Your Home premises during the Policy Period.

Section III: Public Liability

Accidental death or Bodily Injury/ Injury to any person other than You and/or Your Family or Your Domestic Staff.

Section IV: Plate Glass

Accidental Loss or Damage to securely fixed plate glass situated in Home.

Section V- Baggage

Theft or Accidental Loss, Damage or destruction anywhere in the world of personal baggage accompanying and belonging to You / Your Family on a trip

Section VI- Breakdown of Domestic Electric and Electronic Appliances

  • Unforeseen and sudden mechanical and/or electrical breakdown of domestic electrical and electronic appliances whilst contained or fixed in Home.
  • Loss or Damage by Accidental external means to Audio & Audio-Visual appliances whilst contained or fixed in Home.

Section VII- Personal Accident

  • Accidental Death
  • Permanent Total Disablement
  • Permanent Partial Disablement
  • Repatriation of Mortal Remains
  • Ambulance Expenses

Note: This section can only be opted if you have not opted Personal Accident cover under Section I

Section VIII- Loss of Cash whilst in Transit

Actual loss of money in coins and/or currency notes due to Robbery, hold up or theft within 6 hours of withdrawal of money from a Bank at which You maintain an account while such money in Your possession.

Section IX- All Risk Cover - Portable Equipment’s, Jewellery and Valuables

  • Any unforeseen and sudden physical loss to Portable Equipment’s anywhere in the world, provided that it is in Your custody.
  • Accident and/or misfortune of Your Jewellery and Valuables anywhere in the World

Note: This section can only be opted if you have not opted Cover for Valuable Contents on Agreed Value Basis under Section I

Section X- Key Replacement

Lost or Stolen of Your Vehicle Key

Exclusions
  • Deliberate, wilful or intentional act or omission.
  • War, invasion, act of foreign enemy hostilities or war-like operations
  • Ionising radiation or contamination by radioactivity from any nuclear
  • Pollution or contamination
  • Loss or damage to any Insured Property removed from Your Home to any other place.

(PS. This is descriptive of Product Details please read Policy Wording for exhaustive details)

  • Product UIN - IRDAN144RP0002V02201617
  • 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.
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