Gruh Suraksha - Citibank India...Why Gruh Suraksha Home Insurance Plan A home is your biggest investment in life and insuring your biggest investment is important. Unlike cars, which

Gruh Suraksha Home Insurance Plan

A holistic home insurance plan to cover your precious assets

Every person's home is their castle, let us make sure you've got the right protection

Why Gruh Suraksha Home Insurance PlanA home is your biggest investment in life and insuring your biggest investment is important.

Unlike cars, which depreciate the minute you drive them o� the lot, houses typically

increase in value over time. From a long-term perspective owning a home is a �nancial

investment that can ensure your security in years to come. So, having an insurance policy in

place to protect that investment should be at the top of your list of priorities.

Royal Sundaram�s 'Gruh Suraksha Home Insurance Plan' o�ers holistic home insurance

solutions to every discerning customer.

Building

Flexible Sum Insured options

Rent for Alternative Accommodation Loss of Rent

Household Articles

Contents Appliances

Third Party Liability Mobile Equipments

Jewellery & Valuables

Baggage

External Equipments Temporary Resettlement Loss of Cash

Employee Compensation

Escalation Benefit of 10% each year

Personal Accident

4Employees Compensation

Basis of coverage

Actual Annual Wages

On Named Perils basis with depreciation and with and without per item limit for Contents, Appliances, Jewellery and valuables & Mobile equipment�s sections.

On Named Perils basis with depreciation and with per item limit for Contents, Appliances & Jewellery and valuables sections.

NA Actual Annual Wages




NA

Personal Accident for Employees Max up to `5 lacs per employee

NA Max up to `5 lacs per employee




NA

Loss of Cash `5,000 in all NA `15,000 in all NA `15,000 in all NA `25,000 in all NA `25,000 in all NA

Temporary Resettlement (Max 1 week) `10,000 in all NA `25,000 in all NA `25,000 in all NA `50,000 in all NA `50,000 in all NA

2External equipments - - - - `5 lacs 25% `7.50 lacs 25% `10 lacs 25%

Baggage - - - - `5 lacs 25% `7.50 lacs 25% `10 lacs 25%

Mobile equipments - - `2 lacs 10% `5 lacs 10% `7.50 lacs NA `10 lacs NA

Third Party Liability - - `5 lacs NA NA `25 lacs NA `50 lacs NA

Jewellery & valuables `50,000 20% `5 lacs 20% 10% `25 lacs NA `50 lacs NA

Appliances `25,000 10% `5 lacs 10% 10% `25 lacs NA `50 lacs NA

1Contents `50,000 10% `5 lacs 10% `15 lacs

`15 lacs

`15 lacs

`15 lacs

10% `25 lacs NA `50 lacs NA

Product Bene�t Table

Bronze Silver* Gold* Platinum DiamondPlan/Coverage**

Sum Insured Per item limit Maximum SI Per item limit Maximum SI Per item limit Maximum SI Maximum SIPer item limit Per item limit

5Building NA NA Above `25 lacs to `50 lacs

NA NA NA

3Rent for Alternate Accommodation (max 6 months)

3Loss of Rent (max 6 months)

NA

NA

`25,000 per month

`15,000 per month

NA

NA

NA

NA

NA

NA

NA

NA

Section II - Household Articles

Up to `15 lacs

`10,000 per month

`5,000 per month

Above `15 lacs to `25 lacs

`25,000 per month

`15,000 per month

Above `50 lacs

`50,000 per month

`25,000 per month

`50,000 per month

`25,000 per month

On All Risks basis for Contents and Appliances sections and On Named Peril basis for Mobile Equipments and Jewellery & Valuables sections with depreciation and without per item limit. On Named Peril basis with depreciation and per item limit for Baggage & External Equipments sections.

Gruh Suraksha Home Insurance PlanBronze, Silver, Gold, Platinum and DiamondChoose from Plans to cover your precious assets and stay protected

Above `50 lacs

On All Risks basis for Contents and Appliances sections and On Named Peril basis for Mobile Equipments with zero depreciation (upto item age of 5 years) and without per item limit. On Named Peril basis with depreciation and without per item limit for Jewellery & Valuables section. On Named Peril basis with depreciation and per item limit for Baggage & External Equipments sections.

On Named Perils basis with depreciation and with and without per item limit for Contents, Appliances, Jewellery and valuables & Mobile equipment�s sections. On Named Peril basis with depreciation and per item limit for Baggage & External Equipments sections.

Section I - Building

1 For coverage under Section II � Household articles, coverage of household contents section is mandatory.2 External equipments : Solar water heater (Upto a Maximum of 500 litre capacity only), Water treatment plant (Covers Motor & Pump only), DG Set (upto 5 KVA).3 Section can be availed only with cover for Building.

4 Actual annual wages subject to a minimum of ̀ 8,000/month.5 Max Loss to Building due to Burglary - Bronze - `5,000/Silver & Gold - ̀ 10,000/Platinum & Diamond - ̀ 25,000.*Waiver of per item limit under Silver & Gold plans with 10% loading. **Di�erent Plans can be opted under Building and Household articles (for e.g. Building under Diamond and Household articles under

Silver/Gold).Discount for opting both Building & Household articles section: 5% of the premium.Tenure for Building section can be from 1 to 20 years. Tenure for Household articles section can be from 1 to 3 years.

Optional Terrorism cover can be taken for building and/or house hold articles sections, only if the tenure opted is for 1 year for the respective chosen section(s). Applicable additional premium will need to be paid for the same.Note : Please round o� the total sum insured chosen for each of the opted section above to the nearest ̀ 50,000/- value. For eg) a total SI of `3,35,000/- for the contents section can be rounded o� to ̀ 3,50,000/-.

Key Features

Comprehensive cover for Home Building

This product will provide protection to your building

from loss or damage caused by Fire and Allied perils.

Coverage under this will include,

1. Fire, Lightning, Explosion/Implosion.

2. Aircraft Damage.

3. Riot, Strike and Malicious Damage.

4. Storm, Cyclone, Typhoon, Tempest, Hurricane,

Tornado, Flood, and Inundation.

5. Impact damage by any Rail/Road Vehicle (other

than vehicles belonging to the Insured person/

employees of the Insured person/any occupier of

the Insured Premises) or Animal.

6. Earthquake (Fire and Shock), Subsidence and

Landslide including Rock slide.

7. Bursting and/or over�owing of Water Tanks,

Apparatus and Pipes.

8. Missile testing operations.

9. Leakage from Automatic Sprinkler Installations

excluding loss, destruction or damage caused by

i Repairs or alterations to the buildings or

premises.

ii. Repairs, Removal or Extension of the Sprinkler

Installation.

iii. Defects in construction known to the Insured.

10. Bush Fire excluding loss, destruction or damage

caused by Forest Fire.

11. Terrorism (Optional) � For annual tenure only.

Coverage for compound wall and

landscaping

If you are staying in an independent house, then you

can cover your compound wall and landscaping too.

You can provide a separate sum insured for these in

addition to the building sum insured.

Long Term Cover

You have the �exibility to choose a tenure of your

choice, starting from 1 year to 20 years. Long term

insurance provides complete peace of mind and

secures your house for up to 20 years. It also helps

avoid the hassle of you having to track your renewal

date and renew the policy every year.

Escalation Bene�t

This product provides you a very useful escalation

bene�t, which ensures increase in your base sum

insured of 10% each year, for the complete tenure of

your policy. This will ensure that the available sum

insured each year is constantly raising and keeping

pace with the increase in construction cost due to

in�ation. This bene�t is available only in a long term

policy. This bene�t is available to you at no extra cost.


Ten years and above 50%

Nine years 45%

Eight years 40%

Seven years 35%

Five years 25%

Four years 20%

Three years 15%

*Tenure discount for building - all plans

Tenure Discount

*Tenure discount for building not allowed when escalation bene�t opted.

Two years 7%

One year Nil

Tenure Discount

If you do not avail the Escalation Bene�t, you have the

option to opt for a tenure discount, as per the table

given below.

Section I - Building (continued)

Losses due to BurglaryThis product o�ers a very useful cover against loss or

damage to the building due to a burglary. The coverage

level will vary depending on the plan opted. This

section pays for expense incurred for repairs so that

future loss can be prevented. This includes installation

of CCTV cameras and safety doors and will also include

repairs to any structure including doors, windows and

building.

Add on Covers (Optional) This product o�ers 2 very useful add on covers, which

can be availed at the time of buying this cover.

Rent for alternate accommodation In the event of the insured premises being destroyed or

damaged by any insured peril so as to become un�t for

occupation and the insured in consequence taking up

alternative accommodation, this cover will indemnify

the insured against the rent which he is called upon to

bear, for up to 6 months, up to the eligible bene�t level

available under the plan opted.

Loss of rent In the event of actual total loss of the building insured

under this policy which was owned by the insured and

let out on rent and which is not in a position to be let out

on rent as it is destroyed or damaged by any insured

peril, this cover will reimburse to the insured towards

actual loss of rent per month not exceeding the annual

limits speci�ed against each plan and for a maximum

period of six months.

Both section discount Avail a 5% discount on the total premium by opting

cover for both the building and contents sections.

Basis of calculation of Sum insured for Building

For all Plans other than Bronze

Sum Insured on Reinstatement Value Basis shall be the

Reconstruction Value for the "Building", excluding of

the cost the land, whose Sum Insured is arrived at as = A X B

where

A. Area of the "Flat/House" (Square Feet) indicated in

the Registered Sale Deed Agreement.

If it matters to you, it matters to us

B. Prevailing Present Day Cost of Construction rates in

Area/Locality where the insured property is

situated.

For Bronze Plan

For Indemnity Value basis the formula shall be arrived

at as sum insured = A X B X (1 - Depreciation at the Rate

of 2.5 % per annum X Age of the Building).

Important exclusions

1. Buildings of age more than 30 years old.

2. Damage caused by depreciation or wear and tear or

which are pre-existing in nature or which falls under

the terms of a maintenance agreement.

3. Loss or damage or collapse of "Building" due to

structural defects, latent defects, poor maintenance,

workmanship.

Acceptance Criteria and Policy terms: Age of Proposer : 18 years and above

Policy type : Individual/Group

Tenure : Section I - Building � 1 to 20 years

Section II - Household Articles � 1 to 3 years

Section I - Building (continued)

Section II - Household ArticlesContentsContents shall include clothing, furniture, �xture

(including Electrical, Bathroom sanitary �xtures and

Modular Kitchen �xtures) and other items like utensils,

crockery, carpets etc.

Coverage Under Bronze, Silver & Gold Plans - Fire & allied perils

and Burglary and Housebreaking including theft .

Under Platinum & Diamond Plans - All Risks.

AppliancesAppliances shall include items like Television,

Refrigerator, Washing Machine, Air Conditioner,

Personal Computer, Music System etc.

Coverage

Under Bronze, Silver & Gold Plans - Fire & allied perils

and Burglary and Housebreaking including theft,

Electrical & Mechanical Breakdown.

Under Platinum & Diamond Plans - All Risks

Important condition

Any claim per item payable under this section shall be

subject to depreciation as per table speci�ed in the

policy, excepting Diamond Plan where depreciation is

applicable only when the age of the insured item is

above 5 years.


Items aged more than 10 years in respect of the loss,

destruction or damage due to Electrical and

Mechanical breakdown.

Basis of coverage and settlement for Contents &

Appliances:

Bronze Plan - Fixed sum insured limits. Coverage on

named peril basis with depreciation and per item limit.

Silver Plan - Named peril basis with depreciation and

with and without per item limit.

Gold Plans - Named peril basis with depreciation and


Platinum Plan - All risks basis with depreciation and

without per item limit.

Diamond Plan - Coverage on all risks basis with zero

depreciation and without per item limit.

Jewellery & Valuables

Jewellery means articles of personal adornment

containing gemstones, silver, gold, platinum or other

precious metals and Valuables shall mean Crystalware,

Wristwatches above `10,000 in value, Silver articles

and Gold in forms other than jewellery* like coins (*here

limit per item will be applicable on the whole lot and not

on each and every item).

Coverage under all plans

Loss or damage of Jewellery and Valuables whilst

contained in the Insured premises/ housed securely in a

locker or Safety Deposit Vault located within the

premises of any recognized commercial bank in India

caused by or arising out of Fire & allied perils, Burglary

and Housebreaking including theft and Snatching of

Jewellery anywhere in the world whilst worn by the

Insured person or family members, whether or not in

the Insured Premises.


1. Denting or internal damage of jewellery and

valuables.

2. Negligence of you/your family members/bank in

failing to securely lock the locker resulting in loss of

jewellery and valuables.

3. Any loss of jewellery/valuable attributable during

the operation of the locker by You or Your authorized

representative.

4. Loss or damage of jewellery and valuables

noted whilst stock taking or any mysterious

disappearance.

5. Loss or damage caused by mechanical or electrical

derangement/breakdown.

Basis of coverage

1. Bronze - Fixed sum insured limits. Market Value

basis against named perils with deduction for

wastage and with per item limit.

2. Silver & Gold - Market Value basis against named

perils with deduction for wastage and with and

wthout per item limit.

3. Platinum & Diamond - Market Value basis against

named peril with deduction for wastage and


Third Party Liability

Covers legal liability to a third party under statutory

liability provisions or in common law for an incident

occurring in India which results in death, injury or

damage to the health of such third party or damage to

his/ her properties.

Mobile Equipments (Covered under Silver, Gold, Platinum and Diamond Plans only)

Mobile Equipments would mean Digital/Video

Cameras, Binoculars. Mobile/Smart phones, Ipads,

Ipods, Laptops, Palmtops and e-readers.

Coverage

1. Fire & allied perils.

2. Burglary and Housebreaking excluding Theft.

3. Electrical & Mechanical Breakdown.

4. Accidental Damage.

Important conditions

1. Claims under this section shall be subject to a

depreciation of 25% every year subject to a

maximum of 75%.

2. Covered items should not be used for commercial

purpose. For e.g. digital/video cameras.


Items of age more than 4 years old excepting in the

case of digital/video cameras where it will be more than

10 years old.

Basis of coverage

Silver & Gold On Named Peril basis with depreciation


Platinum - On Named Peril basis with depreciation and


Diamond - On Named peril basis with zero depreciation

and without per item limit.

Section II - Household Articles (continued)

Jewellery & Valuables (continued)

External Equipments (Covered under Gold, Platinum and Diamond Plans only)External Equipments would mean DG Set (upto 5 KVA),

Solar water heater (Upto a Maximum of 500 litre

capacity only) and Water treatment plant (Motor &

Pump only).

Coverage

a. Fire & Allied Perils.

b. Burglary and Housebreaking including Theft.

c. Electrical and Mechanical breakdown.


Claims per item under this section shall be subject to a

minimum depreciation of 15% per year and a maximum

of 60%.


1. Items of age more than 10 years old under Electrical

and Mechanical Breakdown.

2. Loss of or damage to consumable items like belts,

ropes, chains, rubber tyres etc, objects made of

glass, porcelain, ceramics, all operating media (e.g.

lubricating oil, fuel), packing material, parts not

made of metal (except insulating material) and

nonmetallic lining or coating of metal parts.

3. Gradually developing �aws, defects, cracks or

partial fractures in any part not necessitating

immediate stoppage although at some future time

repair or renewal of the parts a�ected may be

necessary.

4. Loss of or damage to �lters and membranes.

Basis of coverage

Gold/Platinum/Diamond Plans- Named perils with

depreciation and per item limit.

Baggage Insurance (Covered under Gold, Platinum and Diamond Plans only)Coverage is in respect of total loss or total damage to

accompanied personal baggage by accident or theft

whilst travelling on tour from home town exceeding 100

kms radius anywhere in India.

Important Conditions

The limit per item under this section shall be the actual

value or 25% of the sum insured as speci�ed in the

schedule of the policy whichever is lower.


1. Theft from any unattended vehicle unless all

windows are securely closed and all doors, boot and

openings are securely locked.

2. Loss or damage to money, securities, manuscripts,

deeds, bonds, bills of exchange, promissory notes,

stock or share certi�cates, stamps, business books

or documents, jewellery and Valuables, furs,

precious stones, precious metal, gold and silver

ornaments, travel tickets, cheques and bank draft,

curios, works of art.

3. Loss, destruction or damage caused by or arising

from the leakage, spilling or exploding of liquids, oils

or materials of a like nature or articles of a

dangerous or damaging nature.

4. Loss due to misplacement.

Basis of coverage (Gold, Platinum and Diamond

plans)

Named perils with depreciation and per item limit.


Temporary Resettlement

Coverage

Covers actual cost incurred towards lodging expenses

incurred as a temporary resettlement in an alternative

accommodation for a maximum period of one week not

exceeding the plan speci�ed annual limits, in the event

of loss or damage to the building insured under this

policy due to operation of an insured peril as per terms

and conditions of the policy and the building is not in a

position to be occupied.

Conditions

1. Resettlement expenses covers only the lodging

expenses incurred during the course of stay in a

guest house or in a hotel and does not include

boarding expenses.

2. Necessary proof for having stayed in an alternate

accommodation other than the usual place of

residence and paid the expenses shall have to be

furnished to the insurance company.

3. This coverage does not include transportation

expenses.

Loss of Cash

Coverage

Covers actual loss of money in coins and/or currency

notes up to the Bene�t sum insured by robbery and/or

hold-up while such money is in insured's/his family

member's custody and whilst being conveyed by

insured and/or his family members directly from a bank

at which he/they maintain an account to their home in

the ordinary course of transit.


1. We will cover only one withdrawal in a day of the

insured and or his family members.

2. Steps must be taken to inform the robbery and/or

hold-up to police immediately and a copy of the �rst

information and /or Final report should be handed

over to us.

3. We will not pay the �rst INR. 250/- in respect of each

and every claim.

Personal Accident

Covers death or disability arising out of and

consequent (within 12 months) upon an injury

sustained by insured person's household sta�.

The maximum sum insured o�ered is ̀ 5 lacs.


1. If the Accident a�ects any physical function, which

was already impaired beforehand, a deduction will

be made equal in amount for this prior disablement.

2. If the accident impairs a number of physical

functions, the degree of disablement given in the

Table of Bene�ts will be added together, but not

exceeding 100% of the Sum Insured.

Employee Compensation

The Company will pay for compensation and litigation

expenses which Insured and/or his family members

shall become legally liable to pay as a householder

occupying the premises speci�ed in the schedule on

account of Death or Bodily Injury to insured's domestic

sta� arising out of and in the course of employment in

the insured premises under Workmen Compensation

Act 1923 or any amendment thereto, Fatal Accident

Act, 1855 or Common Law.


Employee Compensation (continued)


1. All household workers working under the insured

will have to be covered.

2. The minimum wages as per the Act is Rs.8000/per

month which will be taken for premium calculation

purposes.

Important Exclusions

1. the Insured's liability to employees of contractors to

the Insured.

2. any liability of the insured which attaches by virtue

of an agreement but which would not have attached

in the absence of such agreement.

3. any sum which the Insured would have been entitled

to recover from any party but for an agreement

between the Insured and such party.

4. Insured's occupation or business, trade or

employment.

5. The transmission of any communicable disease or

virus.

6. Liability arising out of Domestic violence and sexual

harassment of domestic sta�.


Premium rates (excluding Goods and Service Tax):


Section II - Household Articles

Appliances

S.No Plan/Coverage BronzeSilver

(with per item limit)

Silver (without per item limit)

Gold (with per item limit)

Gold (without per item limit)

Platinum Diamond

1 Contents 0.28% 0.28% 0.31% 0.28% 0.31% 0.65% 0.81%

2 0.51% 0.51% 0.56% 0.51% 0.56% 0.77% 0.96%

3 Jewellery & Valuables 0.80% 0.80% 0.88% 0.80% 0.88% 0.88% 0.88%4 TPL NA 0.05% 0.05% 0.05% 0.05% 0.05% 0.05%5 Mobile equipments NA 1.00% 1.10% 1.00% 1.10% 1.10% 1.38%

6 Baggage (available only with per item limit)

8 Terrorism

9 Temporary Resettlement

10 Loss of Cash

11 Personal Accident

12 Employees Compensation

`10 per thousand

`90/lac

Cooks, Sweepers - `4.90 per thousand, Gardener - `7.30 per thousand and Drivers - `24.30 per thousand

NA 0.75%

7 External equipments (available only with per item limit)

NA 2.00%

0.08 per thousand (Applicable in respect of policies with the term of one year only)

0.6 per thousand

S.No. Plan / Coverage Bronze Silver Gold Platinum Diamond

Basis of Coverage (for Building) Indemnity Basis Reinstatement Value basis

1. Building 0.40 per thousand 0.45 per thousand

2. Rent for Alternate Accommodation 0.40 per thousand

0.45 per thousand

3. Loss of Rent 0.40 per thousand 0.45 per thousand

Live life fully covered

Free look cancellation

At the inception of the policy you will be allowed a

period of 15 days from the date of receipt of the policy

to review the terms and conditions of the policy and to

return the same if not acceptable. If you have not made

any claim during the free look period, you will be

entitled to the following, provided no claim has been

settled or lodged for the period the policy has been in

force:

a. A refund of the premium paid less stamp duty

charges or;

b. Where the risk has already commenced and the

option of return of the policy is exercised, a

deduction towards the proportionate risk premium

for period on cover or;

c. Where only a part of the risk has commenced, such

proportionate risk premium commensurate with the

risk covered during such period.

Cancellation

The Company may at any time cancel the Policy on

grounds of misrepresentation, fraud, non-disclosure of

material fact relating to this insurance of the insured or

non-cooperation by the Insured by sending 15 days'

notice in writing by Registered A/D to the insured at his

last known address in which case the Company shall

not refund to the insured any portion of the premium.

The insured may at any time cancel this policy by giving

15 days' notice in writing and in such event, the

Company shall allow refund of premium after retaining

premium at Company's short period rate table

speci�ed in the policy for the period on risk subject to a

minimum premium of `250/-, provided no claim has

occurred upto the date of cancellation.

Claims Procedure In the event of an incident that is covered and may give

rise to a claim under this Policy, You must notify the

Company immediately over toll no 1860 425 0000 or

email us at [email protected] or

provide written intimation and shall within 14 days

thereafter furnish to the Company detailed particulars

including sequence of events leading to the loss and

the amount of the loss or damage together with such

explanation and evidence to substantiate the claim as

the Company may reasonably require. Delay if any in

submission of documents shall be considered based on

merits of each case.

In the event of an incident happening abroad that is

covered and may give rise to a claim under this Policy,

You must notify the Company in India immediately

ove r to l l no 18604250000 or ema i l u s a t

[email protected] or provide written

intimation and shall within 14 days thereafter furnish to

the Company detailed particulars including sequence

of events leading to the loss and the amount of the loss

or damage together with such explanation and

evidence to substantiate the claim as the Company

may reasonably require. Delay if any in submission of

documents shall be considered based on merits of each

case.

Lodge a complaint with the Police forthwith in the

event of Robbery, Theft and Burglary and take all

practicable steps to apprehend the guilty person or

persons and to recover the property lost.

The documents required to substantiate a claim are

given in the policy document coverage wise which may

please be submitted.

Key General Exclusions* Applicable to all sections under Gruh Suraksha:

1. The amount of excess as stated in General Excess

table of the policy in respect of each and every

section

2. Any costs incurred in connection with the

elimination of functional failures unless such failures

were caused by an indemni�able damage

3. Loss or damage by Burglary and Housebreaking

including Theft where any member of Your family is

involved as a principal or an accomplice.

4. Loss or damage due to faults or defects existing at

the time of commencement of this insurance.

5. Loss or damage due to Cracking, Scratching,

Denting and Chipping

6. Loss or damage due to defects in design, material or

workmanship or otherwise for which the

manufacturer or supplier of the insured items is

responsible either by law or under contract or any

amount recoverab le under the terms of

maintenance agreement.

7. Loss, damage and/or liability caused by or arising

out of the willful or unlawful act/conduct/neglect or

gross negligence of you or any person acting on

your behalf.

8. Radioactive contamination except when arising out

of an accident Loss, destruction, damage, liability or

expenses whether directly or indirectly occasioned

by or happening through or arising from any

consequences of war, invasion, act of foreign enemy,

hostilities (whether war be declared or not), civil

war, mutiny, rebellion, revolution, insurrection or

military or usurped power, civil commotion, loot,

pillage, seizure, capture, arrests, restraints &

detainment.

9. Loss, destruction or damage caused to the insured

property by seepage, pollution or contamination

irrespective of however been caused

10. Loss or damage to contents by wear and tear,

depreciation, insects, vermin, rodents, pets,

animals, moth, fungus, pests, insects or mildew,

corrosion, rust, atmospheric or climatic conditions,

ingress of water, gradually operating cause, process

or cleaning, restoring, renovation dyeing, repair,

alteration.

11. Cost of transport to the repair shop and back to the

Insured Premises of any insured item arising out of

any damage to such item

12. Loss or damage caused by or arising out of or

traceable to erection, repairing or dismantling of the

insured apparatus ( not applicable in respect of

contents and appliances section under Platinum &

Diamond plans)

(*The above is a key list of exclusions only. For a

detailed list of exclusions, please refer to Policy terms &

conditions).

Excess amount applicableThe term 'Excess' means the amount of loss to be borne by the insured for each and every claim. In respect of loss or

damage arising out of a single incident to multiple items covered under a single section, the excess amount shall be

applicable on the item with the highest value only and not to each and every item.

Sections Coverage Excess (each and every claim)

Gruh Suraksha - Building

I Building (applicable only in respect of Earthquake cover) 5% of each and every claim subject to a minimum of `10,000/-.For loss due to Burglary 1% of claim amount subject to a min of `100/-

II

III

Rent for alternate accommodation

Loss of Rent

First `250/- arising out of each and every claim


Sections Coverage Excess (each and every claim)

Gruh Suraksha � Household articles

Household Contents 1% of SI (per item limit) subject to a maximum of `10,000IV

V

VI

VII

Household Appliances

All risks for Jewellery & Valuables

Third Party Liability (excluding liability arising out of motor vehicles)

1% of SI (per item limit) subject to a maximum of `10,000



VIII

IX

X

X

Mobile Equipments

Baggage insurance

Solar water heater (Upto a Maximum of 500 litre capacity only)

Water treatment plant (Covers Motor & Pump only)

2.5% of SI (per item limit) subject to a maximum of `10,000


`5,000/- for sum insured up to `5 lac and `7,500/- for sum insured exceeding `5 lac (for breakdown double the excess)

`5,000/- for sum insured up to `5 lac and `7,500/- for sum insured exceeding `5 lac (for breakdown double the excess)

X

XI

XII

XIII

XIV

DG Set (upto 5 KVA Only)

Temporary Resettlement

Loss of Cash

Personal Accident

Employees Compensation

Terrorism

2.5% of sum insured



Nil

Nil

1% of the claim amount for each and every claim subject to Minimum of INR 10,000 and Maximum of INR `500,000

Note: Where per item limit waiver has been chosen by paying additional premium, excess amount shall be calculated on the claim amount in the place of SI (per item limit)

Claim Intimation thro

Call Centre/letter/email

Issue Claim form and document requirement

Whether Survey required

Assessment by Surveyor

Inform Insured that survey has been arranged

Submission of documents/survey

report to RS

Call for Documents from Insured

Whether documents in order

Processing of Claim

Settlement Cheque or

NEFT/ Repudiation

letter to Insured

Home Claim process

Yes Yes

No

No

Yes

Documentation requiredFire claim Duly completed Claim form

First Information Report

Paper cuttings or media reporting of the incident

Fire Brigade Report (in case of Loss, destruction or damage by Fire)

Meteorological report (in case of Loss, destruction or damage by Flood, Storm, Cyclone)

Title deed establishing the ownership of the property (for Building cover)

Layout plan of the building / a�ected area (for Building cover)

Details of �re�ghting arrangements

Estimate for Repairs/ Replacement together with basis of arrival of the same

Invoice/Bills/ Receipts

Photographs

Flood and Inundation claims Claim form duly �lled

Report from the meteorological department

Paper cutting or media report stating the incident

Layout plan of the building / a�ected area

Basis of arriving at the loss estimate

Engineers' quotation for repair/construction

Repair bills / Purchase bills

Rent for alternate accommodation Claim form duly �lled

Proof of occupancy at the alternate accommodation indicating duration of such accommodation

Proof of rent paid for temporary accommodation

Loss of rent

Claim form duly �lled

Rental agreement signed with the tenant

Statement from tenant con�rming non-payment of rent due to uninhabitable state of the premises

Burglary claim Duly completed Claim form

Statement of loss con�rming the items stolen

First Information Report �led with Police showing item identi�cations like description of items, date of incident and estimate of loss

Loss estimate and Basis of arriving at the loss estimate

Invoice/Bills in original

Final Police Report

Non-traceable Certi�cate issued by Police authorities

Newspaper cutting if any reporting the incident

Letter of indemnity

Temporary resettlement Claim form duly �lled

Proof of occupancy at the alternate accommodation indicating duration of such accommodation

Proof of rent paid for temporary accommodation

Machinery Breakdown claim Duly completed Claim form

Copy of purchase invoices

Service Engineer's Report

Original manufacturers/repairers technical report with repair estimate

Photographs


All Risks Insurance claim Claim Form

Original FIR

Statement of witness

Invoice/Bills

Newspaper cuttings if any and other relevant records

Photograph of the employee displaying disability

Employees Compensation Wages statement, copy of attendance register if

available

Proof of age of employee

FIR lodged with police

Original Summon / Petition if any

Statement of witness.

Report to Inspector of Labour

Copy of medical reports/�tness certi�cate (injury claims)

Post Mortem Report and death certi�cate (death claims)

Award copy

Baggage Insurance Claim Duly completed Claim form

Copies of the letter addressed to police authorities describing the sequence of events leading to loss

First Information Report

Proof of Journey

Statement of witness

Purchase Invoice/Bills/ Receipts of items lost

Final Police Report

Non-traceable/Missing certi�cate

Letter of indemnity

Other documents (applicable for all claims)KYC documents (address proof and ID proof for all claims exceeding INR 1,00,000

Cancelled cheque leaf of SB account in the policy holder's name for e�ecting NEFT settlement.

Any other documents as required by the Insurer depending on the nature and type of the claim preferred

Non-traceable Certi�cate/Final Investigation Report

Plate Glass Insurance Claim Duly completed Claim form

Photographs

Estimate for Repairs/ Replacement


Loss of cash Claim form duly �lled

FIR lodged with police

Sequence of events leading to loss

Letter of indemnity

Personal Accident for employees Death Claims Claim form duly �lled

Death Certi�cate

Autopsy Report

Police Report

Inquest report/Accident report if any

Extract of Accident Register at the hospital if available

Hospital records

News Paper cuttings if any and any other relevant records

Chemical Analysis Report if available

Disability Claims Claim form duly �lled

Disability Certi�cate

Accident report

Police Report

Hospital Records

Extract of Accident Register at the hospital if available

Claims Charter - Home InsuranceReach(a) When you need to contact us we shall be

accessible through

1. Phone - Our Helpline Number is 1860 425 0000

We shall answer your call promptly

We shall speak to you in a language you are comfortable with

(Language skills as on date - English/Hindi/ Tamil/Telugu/Kannada)

We shall enable you to speak to our claims advisor who is equipped to handle your enquiry

2. E mail [email protected]

We shall respond to you in 2 working days

We shall provide clear and concise response to your query

We shall provide resolution to your query within 15 working days

Claim Noti�cation(b) When you wish to notify your claim with us

1. You may notify us through a letter /fax/e-mail Our Address

Royal Sundaram General Insurance Co Limited.

Vishranthi Melaram Towers, No2 / 319,

Rajiv Gandhi Salai ( OMR).

Karapakkam, Chennai - 600 097.

Tel - 044-71177117

2. You may call us at our Helpline Number 1860 425 0000

3. You may notify us through the online claim intimation facility

www.royalsundaram.in

On receipt of your claim noti�cation we shall send you a

communication detailing the claims procedure and claim documentation

- within 2 working days if you wish to receive the same by Post or by E-mail

Claim settlementWe shall settle your claim within 15 working days from the date of receipt of complete claim documents

Claim RejectionIn the unfortunate event of rejection of your claim we shall communicate

- The reasons for rejection of your claim clearly and unambiguously

- As per the turnaround times stated for Claim Settlement

When you wish to appeal for reconsideration of our claim rejection

- We shall review your request fairly and promptly

- We shall communicate to you our reviewed decision within 15 working days

Complaints and Dispute ResolutionWe hope and believe that you will never feel the need to complain. If unintentionally, we have not serviced you to your expectation, you may bring it to our notice through

1. Writing to [email protected] or

2. If your complaint is still not resolved you may write to [email protected]

We shall resolve your complaint within 15 working days of lodging the same

In the unfortunate event of non-resolution of your complaint, you may approach the Insurance Ombudsman of your jurisdiction.

Our Quality Policy To ensure fair, prompt and transparent claim settlement by enhancing our service delivery standards on a continuous basis in line with the expectations of our customers with the support of e�cient technology

Royal Sundaram General Insurance Co. Limited(Formerly known as Royal Sundaram Alliance Insurance Company Limited)Corporate Office: Vishranthi Melaram Towers, No. 2 / 319, Rajiv Gandhi Salai (OMR), Karapakkam, Chennai - 600097.Registered Office: 21, Patullos Road, Chennai - 600 002.

Royal Sundaram IRDAI Registration No.102

CIN: U67200TN2000PLC045611

UIN:IRDAN102P0003V01201617

Call 1860 425 0000royalsundaram.in

PR16290/FEB17/V3

ABOUT ROYAL SUNDARAM

Royal Sundaram General Insurance Co. Limited is the first private non-life Insurance Company licensed to operate in India. Started in the year 2000, Royal Sundaram offers a range of innovative general

Insurance products which includes Health, Personal Accident, Home and Travel Insurance for individual customers. The company’s Accident and Health claims process received ISO 9001-2008

certification for its effective customer service delivery. For commercial clients, Royal Sundaram offers a wide range of specialised insurance covers in Fire, Marine, Engineering, Liability and Business

Interruption risks.

The company also offers specially designed products to the Small and Medium Enterprises and rural customers.

Complaints/Grievances

Incase of complaints/Grievances please call Royal Sundaram General Insurance Co. Limited

Toll No: 1860 425 0000 or E-Mail: [email protected]

Disclaimer

Gruh Suraksha Home Insurance Plan is underwritten and issued by Royal Sundaram General Insurance Co. Limited. Claims will be settled by Royal Sundaram General Insurance Co. Limited as per the terms

and conditions of the policy. This brochure is not a contract of Insurance. Please refer policy document for exact terms and conditions and specific details applicable to this Insurance. Your participation in

this insurance product is purely on a voluntary basis. We advise you to take your own professional advice before you participate. Gruh Suraksha Home Insurance Plan of Royal Sundaram is approved by

IRDAI.

Section 41 of the Insurance Act, 1938 - Prohibition of rebates

1) No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take out or renew or continue an Insurance in respect of any kind of risk relating to lives or property

in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy nor shall any person taking out or renewing or continuing a Policy accept any

rebate, except such rebate as may be allowed in accordance with the published prospectus or tables of the Insurer.

2) Any person making default in complying with the provisions of this section shall be liable for penalty which may extend to ten lakh rupees.