TATA AIG Home Secure Supreme

Introduction:

This is a flexible home insurance plan which caters to individual needs. It offers 15 comprehensive coverage options to choose from.

Eligibility:

  • Person residing in a self-owned or rented house.

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.
  • Pedal Cycle: Coverage against accidental damage up to a maximum of 10000 INR.
  • 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.
  • Marine: Covers against loss/damage during transit or shifting to a new location.
  • Personal Accident: Entire family is covered in case of death, permanent total or partial disablement
  • Money: Covers againstdispossession of money withdrawn from a Bank branch/ATM on the way back home due to robbery/hold-up or similar circumstances.

Policy Details:

  • Purchase protection, medical expenses, and temporary resettlement expenses are offered.
  • Totally Customizable: Provides the flexibility to not only choose from the cover options but also the sum insured as per the need.
  • Jewellery and Valuables can be included as an all risk cover under this particular plan.

Exclusions:

  • Excess: The first Rs.250 (or 1% of sum insured in case of TV/Refrigerator, whichever is higher) of every claim against benefits of Fire/Burglary and Baggage, Jewellery and valuables, cash in transit (Rs.100 in case of Pedal Cycle and Rs.1000 in case of transit of household goods).
  • Under insurance: If actual value of insured property at the time of loss under fire benefit is greater than the sum insured opted then the claim is reduced in the same proportion.
  • Death; disablement or bodily Injury self-inflicted or caused by misuse of any drugs/alcohol by the insured, his family or domestic staff.
  • Losses and subsequent expenses if the premises are unoccupied beyond 60 consecutive days.
  • Terrorism Damage (unless specifically covered).