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Get the Best Health Insurance Plan Online in India

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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 Domestic Property

Anything can happen to your property. Damage of property can be done by burglary and theft as well as due to any natural peril like fire, lightning, explosion etc. To safeguard your property from these unsolicited incidents, Raheja domestic property insurance provide coverage of both domestic fire insurance and domestic burglary insurance.

This domestic burglary insurance is responsible for providing coverage against any loss or damage of property due to burglary or theft whereas the domestic fire insurance is liable for covering damage of property caused by fire or other perils.

Areas of coverage under the policy

Domestic burglary insurance

Coverage

Loss of the customer’s own premises, stocks or goods

Covered

Incase valuables, cash and securities kept in locker or safe are lost

Covered

Damage of home or property caused by attempt for house breaking in case of burglary or theft

Covered

Bulk items in case of first loss of content in house

Covered

In case of domestic fire insurance, damage of the property as well as contents within it, are covered due to below mentioned perils.

Domestic fire insurance

Coverage

Damage of property due to fire, lightning, implosion or explosion and aircraft damage

Covered

Damage caused by perils like storm, hurricane, typhoon, tornado etc.

Covered

When landslide or rockslide, bush fire causes loss or damage

Covered

Damage caused by burst or overflow of water tanks, leakage from automatic sprinklers

Covered

If damage caused by missile testing operation, riot, strike or malicious act

Covered

Additional coverage in respect of additional premium amount

In both types of domestic property insurance, you can get few additional advantages if you would be able to provide additional premium amount for them.

  • In case of domestic burglary insurance, coverage for strike, riot or malicious acts is not obtainable. Hence your coverage can be extended to these matters with the payment of additional premium.
  • Options for getting additional benefits are available also in domestic fire insurance. As an extra benefit, you can get 1% of the claim amount for debris removal.
  • In excess of 3% of the claim amount is also obtainable for the fees of architects, surveyors and consultation of engineers regarding repair of property after being damaged.
  • Impact damage of home due to own vehicles, cranes and fork lifts is covered on payment of additional premium.
  • Cover for leakage and contamination, damage due to earth quake, loss of rent and loss due to terrorist attack; all of these are coverable areas with additional payable premium amount.

Matters of exclusion from the coverable areas

  • Exclusions in domestic burglary insurance:
  • Coverage is not feasible unless you will ensure specifically the contents like jewelry, curios, business books, good held in trust etc.
  • If abstraction of duplicate key is attained by threat or violence in respect of shop lifting which involves you or any of your family members
  • Exclusions in domestic fire insurance:
  • If fire catches up due to own fermentation or natural heating
  • Explosion of steam generating vessels
  • Damage done by vehicles of your own or any of your employees
  • If electrical machines act as source of fire