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ICICI Bharat Griha Raksha Policy

Home insurance, or property insurance, covers your residence against natural calamities. It’s natural to want the best for your home, because home is where the heart is. However, unforeseen risks can come knocking at any time. In the past few years, natural calamities like Uttarakhand flood, Amphan cyclone, Gujarat earthquake have come unannounced and caused irreparable damage to homes across India. Just one incident can cause a lot of damage to your house and its contents. Even if you live in a region that’s not prone to any natural disaster, your home may still be exposed to other risks. For example, faulty wiring and kitchen fires are unexpected threats to your abode.Read More

That’s why having a home insurance policy is crucial to financial safety in the face of risks. ICICI Bharat Griha Raksha Policy acts as a safety net, covering your home and belongings. It comes with the promise of financial security and support, when you and your family need it the most.Read Less

FEATURES

Policy available from 1 year to 10 years

Policy available from 1 year to 10 years

Coverage for building (structure) and/ or contents

Coverage for building (structure) and/ or contents

Optional covers available for valuable contents

Optional covers available for valuable contents

Optional cover for personal accident of Rs 5 lakh each for self and spouse (arising out of fire and allied perils)

Optional cover for personal accident of Rs 5 lakh each for self and spouse (arising out of fire and allied perils)

Inbuilt cover for loss of rent/ rent for alternative accommodation

Inbuilt cover for loss of rent/ rent for alternative accommodation

PLAN OPTIONS/VARIANTS

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    ICICI Bharat Griha Raksha Policy covers you for the following:

    • Fire
    • Explosion or Implosion
    • Lightning
    • Earthquake, Volcanic eruption, or other convulsions of nature
    • Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Tsunami, Flood and Inundation
    • Subsidence of the land on which Your Home Building stands, Landslide, Rockslide
    • Bush fire, Forest fire, Jungle fire
    • Impact damage of any kind, i.e., damage caused by impact of, or collision caused by any external physical object
    • Missile testing operations
    • Riot, Strikes, Malicious Damages
    • Acts of terrorism
    • Bursting or overflowing of water tanks, apparatus and pipes
    • Leakage from automatic sprinkler installations
    • In-Built Addons
      • Architect, surveyor, consulting engineer fees: Upto 5% of Claim Amount
      • Costs of removing debris from the site: Upto 2% of Claim Amount
      • Loss of rent: Sum Insured & Number of Months
      • Rent for alternate accommodation: Sum Insured & Number of Months
    • Optional Covers*
      • Cover for Valuable Contents on Agreed Value Basis (under Home Contents Cover)
      • Personal Accident Cover - Insured peril causing damage to Your Home Building and/or Contents also results in the death of either you or your spouse

Exclusions**

  • Deliberate, Willful, or Intentional Act
  • Damage to Machine due to Shot Circuit, Self heating, etc
  • War, Invasion or War like operations
  • Pollution or contamination
  • Loss to Bullion or unset precious stones, curious or works of art unless declared separately
  • Other exclusions as per ICICI Bharat Griha Raksha Policy Wording

ICICI Bharat Griha Raksha Policy

Disclaimer

*It is an add-on cover available on payment of additional premium

**This is only an indicative list. Please refer the policy wording for the complete details

Metra Trust ("Bank") with registered office at KRM Tower, 8th Floor, No.1, Harrington Road, Chetpet, Chennai- 600031 is licensed as a corporate agent of ICICI Lombard General Insurance Company Limited under license no.CA0106 issued by Insurance Regulatory & Development Authority of India and does not underwrite the risk or acts as an insurer. This policy is issued to you by ICICI Lombard and is subject to the terms and conditions governing such policy. The contract of insurance is between ICICI Lombard and the insured only, and not between Metra Trust and the insured. Bank’s customer participation in the policy is entirely voluntary.Read More

This contains only an indication of the cover offered. For complete details on risk factors, terms, conditions, coverages and exclusions, please read the sales brochure carefully before concluding a sale. ICICI trade logo displayed above belongs to ICICI Bank and is used by ICICI Lombard GIC Ltd. under license and Lombard logo belongs to ICICI Lombard GIC Ltd. ICICI Lombard General Insurance Company Limited, ICICI Lombard House, 414, Veer Savarkar Marg, Prabhadevi, Mumbai – 400025. . IRDA Reg.No.115. Toll Free 1800 2666. Fax No – 022 61961323. CIN (L67200MH2000PLC129408). customersupport@iciclombard.com. www.icicilombard.com. ICICI Bharat Griha Raksha Policy Product Code 1015 UIN: RDAN115RP0005V01202021Read Less

FREQUENTLY ASKED QUESTIONS

How Building Sum insured is being calculated in Griha Raksha product?

Building sum insured is calculated by considering carpet area and Cost of Construction.

What is the provision of Underinsurance waiver in this product?

There is no underinsurance applicable for Griha Raksha Policy.

Whether all the Individuals in the family can be covered under Personal Accident cover? Is there any sum insured capping?

Personal Accident Coverage is limited to Insured and its spouse. In case of death of Insured & / its spouse (after occurrence of Insured) - 5 Lakhs per person can be claimed from the insurance company.

What Does Auto escalation of 10% of sum insured every year mean?

Escalation of 10% will be applicable on base sum insured every Year.

Whether there is any Sum insured capping for Griha Raksha Product?

There is no sum insured capping for Griha Raksha Product.

Whether Auto Escalation is valid for Annual Policy?

Yes, Auto escalation is valid for Annual Policy and is calculated on pro-rata basis.

What is the Sum Insured limit for Loss of Rent and Rent for alternate accommodation and any capping on Indemnity period?

Insured has to select the number of months and Sum Insured Limits if the corresponding cover has been opted for.

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