Who can buy Chola MS Office Package Policy?

Eligible businesses and office establishments can purchase the policy for their insured premises and business assets.

What does Chola MS Office Package Policy cover?

It can cover fire and allied perils, burglary, money loss, electronic equipment and other selected risks.

Does the policy cover electronic equipment?

Yes, electronic equipment can be covered under the applicable section, subject to the policy terms.

Does the policy cover temporary relocation expenses?

Eligible temporary relocation expenses may be covered when insured premises become untenantable due to a covered event.

How can I file a claim?

Notify Chola MS General Insurance, submit the required claim form and supporting documents, and cooperate with the claim assessment.

Chola MS Office Package Policy

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₹50 Lakh cover starts at ₹4,000/year⁺

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Features of Chola MS Office Package Policy

The key features of the policy include:

Property Protection: Covers insured office buildings and contents against specified fire and allied perils.

Burglary Protection: Provides cover for eligible losses caused by burglary or housebreaking, subject to policy terms.

Electronic Equipment: Covers insured electronic equipment under the applicable section.

Money Insurance: Protects money against specified risks, depending on the selected cover.

Temporary Relocation Expenses: May cover eligible expenses if insured premises become unfit for occupation due to an insured event.

Customisable Coverage: Allows businesses to select applicable sections according to their insurance requirements.

Chola MS Office Package Policy: Inclusions

The policy can provide coverage for:

Fire and Allied Perils: Loss or damage to insured property caused by covered events such as fire and specified natural calamities.

Burglary and Housebreaking: Loss of insured property due to covered burglary or housebreaking incidents.

Money Loss: Loss of insured money in specified circumstances, subject to the applicable section.

Electronic Equipment: Damage to insured electronic equipment covered under the policy.

Temporary Relocation Expenses: Eligible expenses incurred when insured premises become untenantable due to an insured event, subject to the policy terms.

Other Selected Covers: Additional protection, such as fixed glass or data reinstatement, where included in the policy schedule.

Disclaimer: Coverage and limits depend on the selected sections, policy schedule and applicable terms and conditions.

Chola MS Office Package Policy: Exclusions

Common exclusions and limitations may include:

Wear and Tear: Gradual deterioration, depreciation and normal wear and tear.

Uninsured Property: Property not covered under the policy.

Pollution and Contamination: Losses caused by pollution or contamination, except where specifically covered.

Unauthorised Removal: Loss or damage to property removed from the insured premises, except where permitted under the policy.

Consequential Loss: Indirect financial losses unless specifically covered.

War and Nuclear Risks: Losses arising from excluded war-related or nuclear risks.

Disclaimer: Refer to the applicable policy wording for the complete list of exclusions.

Chola MS Office Package Policy: Claim Process

To raise a claim:

Report the Incident: Notify Chola MS General Insurance promptly after discovering the loss or damage.

File a Police Report: Report burglary or theft to the police and obtain the relevant documentation.

Submit Documents: Provide the claim form, policy details, photographs, invoices and other supporting evidence.

Assessment: Cooperate with the insurer's surveyor or claims team during the assessment.

Settlement: The claim is evaluated and settled according to the policy terms, applicable limits and deductions.

Chola MS Office Package Policy

Features of Chola MS Office Package Policy