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a)
Building
b)
Contents
This covers loss of or damage to the building/contents by fire &
allied perils, such as riot, strike, lightning, explosion, flood, cyclone,
inundation earth quake etc. (for further details please contact nearest
office)
Rate of Premium : Rs. 0.50 per mille.
This covers all contents in the premises against the above
risks. The Sum Insured on contents under this section as well as
Section I will be the same.
Rate of Premium : Rs. 2.40 per mille.
This covers loss or damage to jewellery & valuables caused by
accident whilst anywhere in India. Recent invoice/receipt or valuation
Certificate should be obtained for items valued at more than Rs.5000/- each.
Rate of Premium : Rs.10.05 per mille.
This covers loss of or damage to fixed plate glass in the insured
premises by accidental breakage.
Rate of Premium : Rs. 10.05
per mille.
This Section Covers Loss or damage to domestic appliances caused
by mechanical and/or electrical
breakdown. Sum Insured in respect of
each item should be its new replacement value.
Excess : One percent of the
Sum Insured in respect of each domestic appliance separately or Rs.50/- whichever is higher.
Rate of premium : Rs.2.50 per mille.
This covers :
a)
loss of or
damage to the television apparatus and VCR/VCP in insured premises by fire
and allied perils, burglary and/or
housebreaking Or theft, accidental external means and mechanical or
electrical breakdown.
b)
Legal
liability up to a limit of Rs.25,000/-
c)
Damage to
Insured’s property caused by breakage of the antenna fittings up to a limit
of Rs.3,000/-.
Rate of Premium : Rs.10.05 per
mille.
This covers :
a)
loss of or
damage to pedal cycle belonging
to Insured by Fire and allied perils,
burglary, housebreaking or theft and accidental external means.
b)
Legal
liability upto a limit of Rs.10,000/-
Rate of premium : Rs.20.05 per
mille.
Franchise : Rs.10/- of each
and every loss due to accident, i.e. if the loss or damage exceeds Rs.10/-
the full claim is payable.
This covers loss or damage to
Insured’s accompanied baggage by
accident or misfortune whilst the
Insured is on tour or holiday anywhere in India.
Rate of Premium : Rs.7.55 per mille.
Section
IX : Personal Accident
The Insured, his spouse and his children, all between the age of
5 and 70 years can be covered under this section.
The insurance covers death, permanent total disablement, permanent
partial disablement and Temporary total disablement.
Additional Benefits :
1.
Expenses incurred
for carriage of dead body of Insured
(death due to accident only) to place
of residence subject to a
maximum of 2% of Capital Sum Insured of Rs.1,000/- whichever is lower.
2.
Medical
expenses arising out of an accident up to 10% of Capital Sum Insured or 40%
of the admissible claim whichever is lower against an additional Premium of
20% of basic Premium.
Rate of premium :
Ranging from Rs. 0.40 to Rs.3.00 per mille (for details Please refer Policy
literature for our Personal Accident
Policy).
Section
X : Public Liability
a) The Insured is
indemnified in respect of legal
liability up to a limit of
Rs.25,000/-
b)
The Insured is indemnified against the
compensation to his employees that he becomes legally liable to pay under the
Workmen’s Compensation Act 1923, Fatal Accidents Act, 1855 or at Common Law
in respect of death of or bodily injury to such employees arising out of and
in the course of employment.
Rate of Premium : Public
liability - 0.50 per mille.
Workmen’s compensation - as
per Workmen Compensation tariff.
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