HOMEINSURANCE

TheresnobetterwaytohelpsafeguardyourHome

Aboutus:HDFCERGOGeneralInsuranceCompanyLimited

ForIndia,HDFChasbeensynonymouswithhousingloansforalmost30 years.Themarketleaderinhomemortgages,HDFCisamongIndia's premierfinancialinstitutionswithadistributionnetworkof250branches and90outreachprogrammecentresacrossthecountry.Today,withassets worthmorethanRs80,000crores,acustomerbaseof32lakhsandAAA ratingfor13consecutiveyears,theGrouphasexpandedintobanking, insurance(LifeandGeneral),assetmanagementandpropertyventure funds. ErgoistheprimaryinsuranceentityofMunichReGroup,oneof the world'slargestriskcarriersandtheleaderinhealthandlegal protection insuranceinEurope.Itsinvestmentstotaltoover 100billion.Little wonder,3.3croreclientsin25countriesplacetheirtrustintheservices, competenceandsecurityErgoprovides. Withthecomingtogetherofthesetwofinancialgiants,weaimatsetting benchmarksinourpathofinnovatingproductsanddeliveringcustomer service.

HomeInsurance:KeyCoverage

Thecoversprovidedare: FireandSpecialPerilsBuilding FireandSpecialPerils Contents Burglary Contents

IndividualhastomandatorilychoosethefirecoverwhereasBurglaryis anoptionalcover.

SumInsuredisdecidedbasedoneitherreinstatementvalueormarket value

HomeInsurance:KeyFeaturesofFireandSpecialPerils Building

ApplicabletoanyresidentialbuildingwithRCC/RBC/Tiles/ACC roofand wallsofbrick/stone/concrete. Coversbuildingagainstriskslike Fire,Lightning,Explosion/Implosion,Storm,Flood,Riots,Strikeand MaliciousDamage.

Anindividualwithanindependenthouseoraflatcanoptforthis benefit. SumInsuredforthisbenefitiscalculatedascostofconstructionxfloor area. ValueoflandisnotincludedintheSumInsured. Discountscanbeavailedondeletionofrisksliketerrorism,riots/strikes, flood/stormandearthquake.

HomeInsurance:KeyFeaturesofFireandSpecialPerils Contents
Coversarticleslikevaluables,consumerdurable,jewellry,personal belongingsspecifieditemsetcagainstfire. Coverstheabovementionedcontentsagainstriskslike fire,lightning,explosion/implosion,storm,flood,riotsstrikeand malicious damage. Suminsuredforpersonaleffectslikeclothing,footwearetciscalculatedon marketvalue. Suminsuredforcontentslikefurniture,electricalappliances,jewellery valuablesandspecifieditemscalculatedonreinstatementvalue. Discountscanbeavailedondeletionofrisksliketerrorism,riots/ strikes,flood/stormandearthquake. Cash,Cheque/Draft,PromissoryNotes,ATMCardetcarenotcovered.

HomeInsurance:KeyFeatures BurglaryofContents
Coversarticleslikevaluables,consumerdurable,jewellry,personal belongingsspecifieditemsetcagainstburglaryandtheft Suminsuredforthiscoverhastobesimilartothefirecoverforcontents Discountsupto15%aregivenonappropriatesecurityarrangementslike Burglaryalarm,24hoursecurityetc Damagetosafe,almirahiscoveredupto5%ofthesuminsured Onlyjewellerylockedinasafeiscovered DoesnotcoverCash,Cheque/Draft,PromissoryNotes,ATMCardetc

HomeInsurance:PremiumRates

FireandSpecialPerils:Building FireandSpecialPerils:Contents Discountsof:

Rs70perlakh Rs70perlakh

Rs10perlakhforriots/strike Rs15perlakhstorm/flood Rs10perlakhonearthquake Rs10perlakhonterrorismfortheabovetwosections

Burglary/TheftofContents Rs240Perlakh DiscountforIndependenthouse: 5%for24hrsecurity 5%forburglaryalarm 15%ifbotharethere DiscountforFlat/Apartment: 5%formanned24hrsecurityattheentryexit, 5%forinterconnectedintercom 15%ifbotharethere

HomeInsurance:MandatoryRequirementsonProposalForm

Name,Address&ContactnumberoftheInsured, PropertyAddress(PinCodeisMandatoryField), YearofConstruction, SelectionofCoverage SumInsured, PaymentInstruction ChequeDetails, PremiumCalculationdetails, CoverageCommencementDate, SourcingLocation ChannelPartnerName IfoptedforContentcover,aseparatesheetforListofContentsshouldbe attachedwiththeProposalForm, SignatureofInsuredonproposalform MOSTIMPORTANT.

HomeInsurance:Claims

HDFCERGOendeavorstoprovideandsetstandardsforanyinsurance settlementorclaim Thesestandardsbeingbasedonourvaluesystemsasanorganization, whichare Honesty Integrity Fairness Transparency Commitment ThisinturnsupportedbyErgosphilosophytheworldovertoprovideafair, justandtimelysettlementofallclaims

HomeInsurance:Claims(Continued)

HDFCERGOprovidesacallcentertoaddressanyclaimrelatedcalls. Thiscallcenterisnotlimitedtothegeographiclocationsofouroperations AllIndiacoveragesupportedbyatollfreeline 18002700700. Intheeventofhavingtonotifyaclaim,telephonecallsshallbeaddressed bytrainedpersonnelandguidancewillbeprovided. AllclaimsregisteredwithHDFCERGOshallbesettledin7 workingdays fromthedateofreceivingcompletedocumentation.

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