Household Articles Insurance Premium - Royal Sundaram
Plans and Premium (Household Articles)
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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