Overview of Go Digit Bharat Griha Raksha Policy

Go Digit Bharat Griha Raksha policy is a standard home insurance policy offering coverage to residential properties at affordable premium rates. The policy ensures that your home structure and its content are protected against several unforeseen perils.

Go Digit Bharat Griha Raksha Policy

4.4 (120 reviews)
Get insurance for Home loan or Personal security in just 5 minutes.


Go Digit Bharat Griha Raksha Policy

4.4 (120 reviews)
Get insurance for Home loan or Personal security in just 5 minutes.
What’s covered?
Violent disturbance
Fire
Natural disasters
Policybazaar advantages
365 days support system
Easy claim process
Instant online policy issuance

**All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*The premium of ₹ 9/month is for a pucca building with sum insured of ₹ 5 lakh at selected locations, for property age less than 40 years and policy term of 1 year. Additional premium is payable for the optional covers including contents opted.

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**All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*The premium of ₹ 9/month is for a pucca building with sum insured of ₹ 5 lakh at selected locations, for property age less than 40 years and policy term of 1 year. Additional premium is payable for the optional covers including contents opted.

Overview of Go Digit Bharat Griha Raksha Policy

Go Digit Bharat Griha Raksha policy is a standard home insurance policy offering coverage to residential properties at affordable premium rates. The policy ensures that your home structure and its content are protected against several unforeseen perils.

Go Digit Bharat Griha Raksha Policy: Key Benefits

Categories Features
Policy Tenure Maximum 10 Years
Properties Covered Villas, Standalone Buildings, and Flats
Key Specifications*
  • Home contents are to be covered at 20% of SI
  • Auto escalation of SI
  • Fire & Special Perils are covered
  • Acts of terrorism are covered
Coverage*
  • Loss of rent and loss of accommodation.
  • In-built coverage for the architect, surveyor, and consulting engineers’ fees.
  • Covers the costs of removing debris from the insured site.
Add-on Covers*
  • Cover for valuable content on an agreed value basis.
  • Personal Accident (PA) cover up to Rs. 5 Lakh/person.
Cancellation of Policy Available

*Disclaimer- For understanding the exact coverage and its benefits, go through the policy wordings available on the official website of the insurer.

Add-on Covers Go Digit Bharat Griha Raksha Policy

Under the Go Digit Bharat Griha Raksha policy there are two types of optional covers available-

  1. Personal Accident (PA) Cover

    The policy offers coverage in case of an insured peril that has caused damage to the home structure or home content, which further causes an unfortunate death of the policyholder or their spouse. In such cases, the policy pays compensation of Rs. 5 Lakhs per person.

    Moreover, if the insured peril results in the death of the policyholder's death, then this coverage shall continue for the spouse until the policy expires.

  2. Valuable Contents Coverage on Agreed Value Basis

    This optional coverage compensates for the loss or damage of insured valuables up to the agreed value. If the valuables of your home are physically damaged by any insured perils, the insurer pays the repairing costs. In case of a total loss of valuable contents, the insurer pays according to the policy terms.

    Remember that for valuable content, the policyholder and insurance provider agree upon a SI (Sum Insured). In addition, a valuation certificate is required if the SI is more than Rs. 5 Lakh. The insurer shall waive the requirement of this certificate if the SI opted for is up to Rs. 5 Lakh and the individual item value is not more than Rs. 1 Lakh.

You may also like to read: SBI General Bharat Griha Raksha Policy

Inclusions of Go Digit Bharat Griha Raksha Policy

The Go Digit Bharat Griha Raksha Policy ensures that the insured property is covered for any loss or damage from several risks like fire, storm, floods, earthquake, etc. The following are the inclusions of the Go Digit Bharat Griha Raksha Policy-

  • Coverage for physical loss or damage to the insured property by fire, explosion, implosion, or lightning.
  • Destruction/loss caused by volcanic eruptions, earthquakes, tsunamis, typhoons, tempests, hurricanes, floods, storms, hurricanes, etc.
  • Coverage for the destruction caused due to the subsidence of the land on which your insured building structure stands.
  • Loss/damage due to bushfire, jungle fire, and forest fire covered.
  • Loss/damage due to bursting/overflowing of pipes or water tanks covered.
  • Loss/damage due to acts of terrorism are covered as per the terrorism clause given by the insurer.
  • Loss/damage because of strikes, malicious activities, and riots covered.
  • Loss/damage due to automatic sprinkler leakage covered.
  • Any impact damage due to physical objects such as a falling tree, aircraft, vehicles, etc. is covered.
  • Loss or damage to the insured property or its content due to theft within 7 days from the occurrence of any of the above-mentioned events.
  • The policy has in-built coverage for the architect, surveyor, and consulting engineers’ fees to repair the damaged building structure.
  • The policy offers coverage for the loss of rent or rent of alternative accommodation in case the insured home structure is not fit for stay due to a physical loss.
  • The policy covers the costs of removing debris from the insured site.

Exclusions of Go Digit Bharat Griha Raksha Policy

The Go Digit Bharat Griha Raksha policy does not provide coverage for the damages for the below-mentioned events-

  • Any intentional damage or loss to the house.
  • Any damages due to war, invasion, and war-like activities.
  • Any damage, loss, or destruction caused to the insured property by order of public authority is not covered.
  • No coverage if any article or thing that is attached from the outside of the insured house causes damage.
  • No coverage for the fees, costs, or expenses incurred to prepare any claim.
  • Any losses incurred due to any war or war-like situations and invasion.
  • Any damage caused to bullion or precious stones, vehicles, manuscripts, and explosive substances is not covered.

Who Can Buy Go Digit Bharat Griha Raksha Policy?

The Go Digit Bharat Griha Raksha Policy is well-designed standard property insurance for all homeowners. The policy offers coverage against damages/losses due to nature's fury, such as floods, landslides, rockslides, earthquakes, storms, etc. Apart from this, the policy takes care of the home contents as well.

However, if you are a tenant living in a rented place, then you can also purchase home content coverage available under this policy. This will help you in keeping your belongings protected from unforeseen circumstances.

Claim Procedure for Go Digit Bharat Griha Raksha Policy

In case you suffer any loss due to an insured event, you must make a claim as early as possible. To make your claim process successful under Go Digit Bharat Griha Raksha Policy, follow the below steps-

  • Give immediate notice to the appropriate legal authorities in case of fire, explosion, implosion, subsidence, landslide, etc.
  • In case of strikes, riots, malicious damages, and acts of terrorism, inform the police authorities as early as possible. In addition, in case there is a theft within 07 days following insured perils, inform the police.
  • Intimate the insurer as early as possible if any physical loss or damage occurs to your insured home or its content due to any perils mentioned in your policy documents.
  • Take all the measures to prevent further loss or damage, Moreover, do not move, sell, or dispose of any damaged items until the insurer inspects the situation.
  • Submit the duly filled and signed claim form at the earliest but within 30 days from the date of the event. You can easily download the claim form available on the official website of the insurer or by visiting the nearest branch office.
  • Based on the surveyor's report prepared by the insurance company, you will be compensated for the damages caused to your insured house.

FAQs About Go Digit Bharat Griha Raksha Policy

Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
Average Rating
(Based on 120 Reviews)
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Reviews & Ratings

4.4 / 5 (Based on 120 Reviews)
(Showing Newest 10 reviews)
Virendra
Bokaro, July 26, 2022
Coverage for natural calamity
I was looking for an insurance policy that provides me coverage for natural calamity. Since my house is located near a river and it floods my area in the rainy season. So i went on the Policybazaar website and particularly look for this coverage found the exact plan that provides this coverage.
Sunil
Bilaspur, July 26, 2022
Premium Calculation
I was looking for a home insurance policy online. I stumblled upon the Policybazaar website and it is one of the best online platforms to purchase home insurance policy. I learned about the insurance plan i wanted to purchase and after choosing the plan and add ons i could calculate the premium using their online premium calculator. Thanks Policybazaar.
Manish
Bikaner, July 26, 2022
Natural Calamity cover
I have recently purchased a flat and wanted to cover it with a home insurance policy. I was aware of the Policybazaar website so i thought i should give it a try. I went on their website and as i wanted to cover my flat with a natural calamity cover specifically i searched for it and without wasting a minute it showed me the natural calamity coverage.
Mohit
Amritsar, July 26, 2022
Enough coverage
I was looking for a home insurance plan online. I was fed up as i have to visit different websites to look for a single suitable insurance plan. However, i stumbbled upon Policybazaar website where i was able to find the right insurance plan that could provide me enough coverage.
Sahil
Bareilly, July 26, 2022
Nice customer service
I wanted to purchase a home insurance policy and a friend of mine suggested to purchase it from Policybazaar. I bought the policy and after that i had a confusion regarding exclusions so i called up Policybazaar customer care and they cleared out the confusion and i loved their customer service.
Jitendra
Ajmer, July 26, 2022
Qiuck claim
I purchased a home insurance policy recently. However, due to a natural calamity, my house was damaged as the pressure of the water because of flood broke the enterance door of my house. But the insurance plan that i bought got me covered and i as able to get the quickest claim possible.
Prashant
Delhi, July 26, 2022
Natural calamities covered
I bought a home insurance policy recently. As i live near a river and in the rainy season, my area gets flooded so in order to protect my house and its contents, i purchased the insurance to get coverage for such natual calamities and i am tension free now.
Sharad
Kolkata, July 26, 2022
Wide coverage
The home insurance plan that i purchased from policybazaar's website is a great plan that provides me coverage for not only the structure but also cover several expensive content of the home such as paintings, mobile phones, laptops, television, etc.
Ravi
Ahmedabad, July 26, 2022
Suitable insurance plan
I purchased the group health insurance policy from Policybazaar website. First of all, i did not have to wander much online while lookig for a home insurance plan that fits my requirement and i found the suitbale home insurance plan by comparing different plans on the website.
Yashashvi
Amritsar, June 09, 2022
Natural calamities covered
I bought a home insurance policy recently. As i live near a river and in the rainy season, my area gets flooded so in order to protect my house and its contents, i purchased the insurance to get coverage for such natual calamities and i am tension-free now.
  • Disclaimers+

    #Savings of 28% are based on the comparison between the highest and lowest premiums for a pucca building with sum insured of >₹ 1 crore at Delhi, for property age less than 5 years and policy term of 11 years.

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