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Section II - Household Articles - Plans & Premium

Plans and premium
 

No inspection or documentation

Plan/Coverage Bronze Silver* Gold* Platinum Diamond
Sum Insured Per item limit Max SI Per item limit Max SI Per item limit Max SI Per item limit Max SI Per item limit
Contents1 50,000 10% 5 lacs 10% 15 lacs 10% 25 lacs NA 50 lacs NA
Appliances 25,000 10% 5 lacs 10% 15 lacs 10% 25 lacs NA 50 lacs NA
Jewellery & valuables 50,000 20% 5 lacs 20% 15 lacs 10% 25 lacs NA 50 lacs NA
Third Party Liability - NA 5 lacs NA 15 lacs NA 25 lacs NA 50 lacs NA
Mobile equipments - NA 2 lacs 10% 5 lacs 10% 7.5 lacs NA 10 lacs NA
Baggage - - - - 5 lacs 25% 7.5 lacs 25% 10 lacs 25%
External equipments2 - - - - 5 lacs 25% 7.5 lacs 25% 10 lacs 25%
Temporary Resettlement (Max 1 week) 10000 in all NA 25000 in all NA 25000 in all NA 50000 in all NA 50000 in all NA
Loss of Cash 5000 in all NA 15000 in all NA 15000 in all NA 25000 in all NA 25000 in all NA
Personal Accident for Employees Max up to Rs.5 lacs/emp NA Max up to Rs.5 lacs/emp NA Max up to Rs.5 lacs/emp NA Max up to Rs.5 lacs/emp NA Max up to Rs.5 lacs/emp NA
Employees Compensation Actual Annual Wages NA Actual Annual Wages NA Actual Annual Wages NA Actual Annual Wages NA Actual Annual Wages NA
Terrorism (Optional) For 1 year Only
 
1Contents section mandatory
2External  equipments : Solar water heater (Upto a Maximum of 500 litre capacity only),Water treatment plant (Covers Motor & Pump only),DG Set (upto 5 KVA)
*Waiver of per item limit under Silver & Gold plans with 10% loading
 
 
Premium Rates
Plan / Coverage Bronze  Silver (with per item limit) Loading to remove per item limit for Silver Gold (with per item limit) Loading to remove per item limit for Gold Platinum Diamond
Contents 0.28% 0.28% 0.03% 0.28% 0.03% 0.65% 0.81%
Appliances 0.51% 0.51% 0.05% 0.51% 0.05% 0.77% 0.96%
Jewellery & valuables 0.80% 0.80% 0.08% 0.80% 0.08% 0.88% 0.88%
TPL NA 0.05%   0.05%   0.05% 0.05%
Mobile equipments NA 1.00% 0.10% 1.00% 0.10% 1.10% 1.38%
Baggage(available only with per item limit) NA NA   0.75%   0.75% 0.75%
External equipments (available only with per item limit) NA NA   2.00%   2.00% 2.00%
Terrorism(1 year rate) 0.08 per mille 0.08 per mille   0.08 per mille   0.08 per mille 0.08 per mille
Temporary Resettlement 0.60 per mille 0.60 per mille   0.60 per mille   0.60 per mille 0.60 per mille
Loss of Cash Rs.10 per mille Rs.10 per mille   Rs.10 per mille   Rs.10 per mille Rs.10 per mille
Personal Accident Rs.90/lac Rs.90/lac   Rs.90/lac   Rs.90/lac Rs.90/lac
Employees Compensation WC tariff WC tariff   WC tariff   WC tariff WC tariff
 
WC Tariff
Employees Compensation (Based on the selected occupation rate to taken) Rate per mille applied on annual salary
Bearer 4.9
Waiter 4.9
Cook 4.9
Sweeper 4.9
Scavenger 4.9
Carrier 7.3
Gardener 7.3
Syce ( Horse) 14.6
Motor car driver 24.3
Motor car cleaner 24.3
Attendant 24.3
Others 24.3

 

Tenure Discounts:

Discounts Percentage
1 year  - Long term policies for Household Articles Nil
2 years - Long term policies for Household Articles 7%
3 years - Long term policies for Household Articles 15%
Discount for opting both Building & Household articles  5% of the premium
 

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