Overview of Oriental Sweet Home Insurance Policy

The Oriental Sweet Home Insurance Policy is a miniature version of the existing householders' package policy, which offers comprehensive protection to your residential structure and its contents.The policy has three different plans, and each plan has five sections.

Oriental Sweet Home Insurance Policy

4.7 (99 reviews)
Get insurance for Home loan or Personal security in just 5 minutes.


Oriental Sweet Home Insurance Policy

4.7 (99 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 ₹ 18/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 ₹18/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 Oriental Sweet Home Insurance Policy

The Oriental Sweet Home Insurance Policy is a miniature version of the existing householders' package policy, which offers comprehensive protection to your residential structure and its contents.The policy has three different plans, and each plan has five sections.

Coverage under the Oriental Sweet Home Insurance Policy

The Oriental Sweet Home Insurance Policy has three plans, i.e. A, B, & C, and each plan has five sections. The first Section is optional, covering the building against fire and allied perils, including earthquakes. However, the rest four sections are compulsory.

This policy has been designed for all individuals residing in India along with foreign nationals who own property in India (within the Indian Territory).

Section I- Coverage for Building

Under this Section, the homeowner can cover their building against fire and allied perils, including earthquakes. Individuals who hold lease/tenancy agreements can also look for coverage of their building under this Section. In addition, the policyholder can choose Sum Insured (S.I.) amongst ₹ 4, 6, and 8 lakhs under Plans A, B, & C, respectively.

Section II – Coverage for Contents against Fire & Allied Perils Including Earthquake on First Loss Basis (Excluding Jewellery)

This Section offers coverage for the content kept inside the premises against fire and allied perils. In this, the insured need not provide details of the required items to be insured. However, the condition is that the maximum value of the individual item shall not exceed 10% of the sum selected under plans A, B, & C, and the maximum liability of the company should be ₹ 1, 2, and 3 lakhs under Plan A, B, & C, respectively.

Section III – Coverage for Contents against Burglary and Housebreaking (Excluding Jewellery)

In this Section, the Sum Insured (S.I.) and the liability limit of the company are the same as per Section II. In addition, the insured does not need to provide the details of articles/items for which insurance is purchased.

Section IV- Electrical or Mechanical Breakdown of Appliances/Gadgets

Under this Section, the insured has to provide the details of electrical appliances or gadgets to be insured. The details are provided in the single-page proposal form. The liability limit of the company under this Section is ₹ 30,000, ₹ 50,000, & ₹ 70,000, respectively. The gadgets value proposed for insurance in this Section is the same as the part of S.I. under Sections I & II.

Section V- Personal Accident Coverage for the Insured and Spouse

Under this Section, the policy covers the loss of limb(s), permanent total disability, and accidental death of the insured and their spouse due to any insured perils on a floater basis. However, this policy has set an age limit of 18-70 years. If any of them were above 70 years of age, the other individual would be insured under this Section. However, if both are more than 70 old, no coverage will be offered, and the premium will be reduced from this Section.

You may also read- New India Assurance Griha Suraksha Policy

Table Showing Coverage and Value of Insurable Property under Oriental Sweet Home Insurance Policy

Sections Coverage Value of the Insurable Property as decided by the Insurer (In ₹)
Plan A Plan B Plan C
I (optional cover) Covers the dwelling house against fire & allied perils, including earthquakes (15% of S.I.) ₹ 4,00,000/- ₹ 6,00,000/- ₹ 8,00,000/-
II (on first loss basis) Cover the dwelling house (excluding Jewellery), and the individual article/item limit should be 10% of the S.I. ₹ 1,00,000/- ₹ 2,00,000/- ₹ 3,00,000/-
III (on first loss basis) Covers the dwelling house (excluding Jewellery) against burglary & housebreaking. Excludes theft & robbery. The individual item limit should be 10% of S.I. ₹ 1,00,000/- ₹ 2,00,000/- ₹ 3,00,000/-
IV (electrical or electronic appliances/gadgets) Covers any electrical or mechanical breakdown of the electronic gadgets (value of an each item should not be less than ₹ 1,000/-) Up to ₹ 30,000/- Up to ₹ 50,000/- Up to ₹ 70,000/-
V (Personal Accident PA cover) Personal Accident coverage for the insured and their spouse on a floater basis. Covers loss of limbs, P.T.D., & accidental death and age limit- 18-70 years ₹ 2,00,000/- ₹ 2,00,000/- ₹ 2,00,000/-

Points to Remember

  • No short-period policy
  • No option to alteration of S.I. (Sum Insured)
  • In case of claims, no reinstatement of S.I.
  • The geographical limit is within India
  • The claim settlement shall be in the Indian currency only

FAQs

Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
Average Rating
(Based on 99 Reviews)
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Reviews & Ratings

4.7 / 5 (Based on 99 Reviews)
(Showing Newest 10 reviews)
Surendra
Delhi, February 05, 2025
Good Price
I had purchased Bajaj Allianz home insurance, and when there was damage to home equipment due to an electric spark, these damages were covered by the insurance. Got insurance at a good price.
Naresh
Muzaffarnagar, February 02, 2025
Best Deal
I never thought home insurance could be affordable. With Policybazaar, I could compare multiple insurance plans on a single platform. I am glad I got the best insurance plan at a very good deal.
Nalin
Begusarai, January 30, 2025
Easy Renewal
I renewed my home insurance through Policybazaar. Initially, I was unsatisfied with my previous insurer, but my experience with Policybazaar has been good. Very satisfied with their services.
Abhimanyu
Gridi, January 29, 2025
Good Experience
PolicyBazaar has made comparing policies easy, and its agent explained the features clearly. Really happy with my experience of getting a home insurance policy.
Prateek
Patna, January 27, 2025
Expenses Covered
With HDFC ERGO home insurance, I could cover my expenses when our building caught fire. Luckily, no one was hurt.
Dhruv
Jamshedpu, January 24, 2025
Easy Process
Thank you, Policybazaar, for helping me to get the claim approved for my home insurance. Your process was very easy.
Vihan
Etawa, January 21, 2025
Big Help
I had purchased a new flat by taking a home loan. However, after paying the second EMI, there were some issues with the water pipeline, and it burst. The house's walls were damaged, and home insurance through Policybazaar helped me get a claim for my loss.
Ishaan
Lucknow, January 20, 2025
Stress-free process
Exploring different home insurance options felt overwhelming, but PolicyBazaar simplified everything. Their platform helped me compare plans quickly. The team answered all my queries, making the process stress-free.
Kshitiz
Lucknow, January 18, 2025
Easy Process
Thank you, Policybazaar, for helping me to get the claim approved for my home insurance. Your process was very easy.
Rahul
Patna, January 17, 2025
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Exploring different home insurance options felt overwhelming, but PolicyBazaar simplified everything. Their platform helped me compare plans quickly. The team answered all my queries, making the process stress-free.
  • 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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