Cholamandalam Total Home Protect Plan


Introduction:

This is a comprehensive Home Insurance Policy that provides Three-fold protection across coverage areas like structure of home, valuable contents and even coverage of family members. It is also flexible and comes with affordable premium rates.

Policy Details:

  • Coverage of building structure up to an area of 5000 square feet.
  • Contents are covered up to 2500000 INR.
  • Domestic appliances are covered subject to a limit of 125000 INR.
  • Jewellery/ Valuables are covered subject to a limit of 100000 INR.

Policy Benefits:

  • Fire: Benefits Include: Explosion / Implosion, damage caused by aircraft, Riot, Strike, Damages due to Impact by rail / road vehicle or animal, , Lightning, Loss caused by Storm, Tempest, Hurricane, Flood.
  • Cover includes: Rent for Alternative accommodation, additional expenses on rent is borne if forced to shift to an alternative accommodation subject to a limit of not above of 12 Months.
  • Public Liability: Compensation/litigation expenses due to Property damage/Bodily Injury of any third party excluding family/domestic staff.
  • Purchase Protection: Covers newly purchased items against fire/burglary up to 30 days from purchase.
  • Baggage: Accidental loss/damage and theft of personal baggage is covered anywhere in India.
  • Domestic/Audio/Visual Appliance: Covers against risk of sudden mechanical/electrical breakdown.
  • Personal Accident: Entire family is covered in case of death, permanent total or partial disablement
  • Workmen's Compensation: Expenses against any liability arising due to Workmen's Compensation.
  • Family Floater Accident Hospitalization Cover.

Exclusions:

  • Damage/Loss to articles valued above INR 10000 including precious stones/drawings/ manuscripts, securities/ cheques/documents, computer system records etc.
  • Expenses out of motor vehicles/livestock or even loss of consumable items.
  • Cases of natural deterioration/ wearing off of building.
  • Death; disablement or bodily Injury self-inflicted or caused by misuse of any drugs/alcohol by the insured, his family or domestic staff.
  • Due to pre-existing conditions.

Premium Details:

Sum Insured:

Covers

Silver

Gold

Platinum

Building Structure

Sum Insured Plan

Contents

Sum Insured Plan

Domestic appliances

Sum Insured Plan

Jewellery

Sum Insured Plan

Additional rent

100000

100000

100000

Family Floater accident hospitalization

-

100000

100000

Personal accident (self)

100000

250000

500000

Personal accident (spouse)

50000

125000

 

Personal accident per child (maximum 2 children)

25000

62500

250000

Public Liability

-

-

125000

Baggage Loss

5000

5000

100000

Plate Glass Insurance

-

25000

5000

Workmen’s Compensation

-

50000

25000

Purchase Protection

20000

50000

50000


*The above rates may change. Please check the policy wordings for more details.