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Most Popular Policies of Shriram General Insurance

  • Raheja QBE Health Insurance
    The policy is chiefly designed for people detected with cancer and it offers financial protection to policyholders.
    Key features of Health Insurance plan
    • No exit age applicable for policies without any break
    • Benefits available even after policy expiry
    • No medical examination required up to 50 years
    • No policy renewal after admission of one claim
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  • Raheja QBE Accident Personal Plan
    The plan offers benefits if insured people suffer from accidental injuries.
    Key features of Accident Personal plan
    • Hospital confinement allowance available on additional premium
    • Coverage available for extended medical expenses
    • Coverage available for loss of employment of policyholders
    • Education fund available
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  • Domestic property insurance plan
    This domestic property insurance plan provides coverage against both domestic fire and burglary.
    Key features of domestic property insurance plan
    • coverage for bulk items on the basis of ‘first loss’
    • Loss/damage by burglary is covered
    • Aircraft damages are covered
    • 3% claim amount to cover fees of engineers, surveyors and architects
  • Raheja Office Package Insurance Policy
    This corporate package policy offers complete protection against assets in the office.
    Key features of Office Package Insurance Policy
    • Coverage against terrorism on additional premium
    • Loss of rent is covered
    • Extended theft coverage
    • Alternative accommodation rent is available

Raheja Construction & Engineering

Construction industry requires so many machinery and plants to work in effective way. However the machinery should be maintained in good condition so that they can perform works in accurate way while constructing a building. Raheja insurance company has been launched Raheja construction and engineering insurance from various aspects by keeping this fact in mind.

Boiler pressure plant insurance, electronic equipment insurance, erection all risks insurance and machinery breakdown insurance, these are the different aspects of insurance policies covered by Raheja corporate insurance sector. The construction companies can become insured with these to secure their business.

Areas of coverage in each type of policy

Boiler Pressure Plant Insurance

Coverage

Damage of boilers and pressure vessels

Covered

Damage of surrounding property due to explosion and collapse of pressure plant

Covered

Third part legal liability in case of death/ injury of third party or damage of third party property

Covered

Electronic Equipment Insurance

Coverage

Loss or damage of equipment due to fire, explosion or lightning and cyclone, storm

Covered

Electrical and mechanical breakdown or failure of equipment

Covered

Negligence and defective operation

Covered

Burglary and theft

Covered

Erection all Risks Insurance

Coverage

Projects at various stages such as storage, erection or construction, testing and commissioning

Covered

Damage of project due to any unsolicited circumstance

Covered

Machinery Breakdown Insurance

Coverage

Short-circuit, electrical overpressure and disturbance

Covered

Failure in operation of safety devices

Covered

Any defect in structure or material

Covered

Loosening of machinery parts, fatigue, excessive speed, centrifugal force etc.

Covered

Get some additional benefits by providing additional premium

In all types of Raheja construction and engineering insurance, there are options to extend facilities by giving extra premium amount.

  • Boiler and Pressure Plant Insurance:
  • Air freight and express freight
  • Third party liability and custom duty in addition
  • Surrounding property of owner
  • Electronic Equipment Insurance:
  • Express freight and air freight
  • Escalation and additional custom duty
  • Third party liability and surrounding property
  • Amplified cost of working
  • External data media
  • Erection All Risks Insurance:
  • Air freight, express freight
  • Wages for holiday and overtime and additional custom duty
  • Contractors plant and machinery which does not exceed specific limit
  • Cross and third party liability
  • Escalation and terrorism
  • Storage risk at fabricators buildings
  • Debris removal
  • Machinery Breakdown Insurance:
  • Acceleration
  • Third party liability and owners surrounding property
  • Additional custom duty

Exclusions from different types of policies

In some matters, these policies do not pay to the insured. Those exclusions are mentioned below.

  • Damage of boiler and pressure plants is not covered if it is occurred due to natural perils like earth quake, flood, storm, fire, lightning, chemical explosion or in case of burglary or theft.
  • Faults and defects, for which the supplier or manufacturer is responsible by law or by contract, are not under coverage.
  • Negligence for electronic equipment or willful act by the insured or by anyone as a representative.
  • Destruction of any equipment caused by giving excessive pressure or overload during work.
  • War or war like act, nuclear or radioactive reaction.
  • Physical loss or damage of property due to lack of following terms of the Maintenance Agreement.