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SBI General Insurance Company Limited

SBI General Insurance Company Limited. Registered and Corporate Office: “Natraj” 301, Junction of Western Express Highway & Andheri

Kurla – Road, Andheri (East), Mumbai – 400 069|CIN: U66000MH2009PLC190546 | Toll free: 18001021111 |

[email protected] | www.sbigeneral.in | For more details on the risk factor, terms, and conditions, please refer to the Sales

Brochure and Policy Wordings carefully before concluding a sale| SBI Logo displayed belongs to State Bank of India and used by SBI General

Insurance Company Limited under license | IRDAI Reg No: 144 |UIN: IRDAN144RP0002V02201617

Simple Home Insurance– Policy Wordings 1

Simple Home Insurance Policy

UIN No IRDAN144RP0002V02201617

Standard Policy Wordings

Contents

Page No.

Clause A. This Policy and the Insurance Contract

Clause B. Insured Events

Clause C. Home Building Cover

Clause D. Home Contents Cover

Clause E. Additional Covers

Clause F. Exclusions

Clause G. Conditions

Clause H. Changes to Covers

Clause I. Waiver of Underinsurance

Clause J. Other Details

Clause K. Grievances

Clause L. Information about Us

SBI General Insurance Company Limited

SBI General Insurance Company Limited. Registered and Corporate Office: “Natraj” 301, Junction of Western Express Highway & Andheri

Kurla – Road, Andheri (East), Mumbai – 400 069|CIN: U66000MH2009PLC190546 | Toll free: 18001021111 |

[email protected] | www.sbigeneral.in | For more details on the risk factor, terms, and conditions, please refer to the Sales

Brochure and Policy Wordings carefully before concluding a sale| SBI Logo displayed belongs to State Bank of India and used by SBI General

Insurance Company Limited under license | IRDAI Reg No: 144 |UIN: IRDAN144RP0002V02201617

Simple Home Insurance– Policy Wordings 2

Simple Home Insurance Policy

UIN No._________________

You chose this Simple Home Insurance Policy and applied to Us for insurance covers of Your

choice. You paid Us the premium and gave Us information about Yourself, Your Home Building

and Home Contents. Based on Your confirmation that this information is true and correct, and in

return of accepting the Premium You have paid Us We promise to provide You insurance as stated

in this Policy Document and the Policy Schedule attached to it.

Clause A. This Policy and the Insurance Contract

1. Your Policy: This Simple Home Insurance Policy is a contract between You and Us as stated

in the following:

a. This Policy document,

b. The Policy Schedule attached to this Policy document,

c. Any Endorsement attached to and forming part of this Policy document,

d. Any Add-on to this Policy that You may have purchased from Us,

e. The proposals and all declarations made by You or on Your behalf.

2. To whom this Policy is issued and what it covers:

a. This Policy is issued to You and covers You and/or Your Home Building and/or Home

Contents as mentioned in the Policy Schedule.

b. If more than one person is insured under this Policy, each of You is a joint policyholder.

Any notice or letter We give to any of You will be considered as given to all of You. Any

request, statement, representation, claim or action of any one of You will bind all of You

as if made by all of You.

c. If You have mortgaged, pledged or hypothecated Your Home Building and/or Home

Contents with a Bank, the Policy Schedule will show an

‘Agreed Bank Clause’ and the name of such Bank. The terms and conditions of this

arrangement will be added to this Policy as an additional clause.

3. The Policy Schedule: The Policy Schedule is an important document about Your insurance

cover. It contains:

a. Your personal details,

b. the Policy Period,

c. the description of Your Insured Property,

SBI General Insurance Company Limited

SBI General Insurance Company Limited. Registered and Corporate Office: “Natraj” 301, Junction of Western Express Highway & Andheri

Kurla – Road, Andheri (East), Mumbai – 400 069|CIN: U66000MH2009PLC190546 | Toll free: 18001021111 |

[email protected] | www.sbigeneral.in | For more details on the risk factor, terms, and conditions, please refer to the Sales

Brochure and Policy Wordings carefully before concluding a sale| SBI Logo displayed belongs to State Bank of India and used by SBI General

Insurance Company Limited under license | IRDAI Reg No: 144 |UIN: IRDAN144RP0002V02201617

Simple Home Insurance– Policy Wordings 3

d. the total Sum Insured, the Sum Insured for each cover or item covered, and any limits

and sub-limits,

e. the insurance covers You have purchased,

f. the premium You have paid for these insurance covers,

g. add-on covers opted by You,

h. other important and relevant aspects and information.

4. Special meaning of certain words: Words stated in the table below have a special meaning

throughout this Policy, the Policy Schedule and Endorsements.

These words with special meaning are stated in the Policy with the first letter in capitals.

Word /s Specific meaning

Accident

means sudden, unforeseen, and involuntary event caused

by external, visible, and violent means

Ambulance

A road vehicle operated by a licenced/authorised service

provider and equipped for the transport and paramedical

treatment of the person requiring medical attention.

Audio- and Audio-

Visual Appliances

The television sets and the related appliances forming part

of or attaching to a television set/s, and the antenna, both

external and internal and/or other Audio Appliances

and/or

other electronic appliances

, all as noted specifically in the

Schedule.

Bank A bank or any financial institution

Baggage

The articles and/ or personal effects of the Insured (other

than property of the Business) in packing or in containers

suitable and standard to the mode of travel that is

accompanied by the Insured or whilst such baggage is

lodged either in locked private

room of a hotel or guest

house or any other accommodation occupied by Insured

during the Insured’s stay at that location or in a public locker

facility availed by the Insured during the course of or at any

intermediate stage of the travel

Bodily Injury/ Injury

Accidental physical bodily harm excluding illness or disease

solely and directly caused by external, violent, visible and

evident means which is verified and certified by a Medical

Practitioner.

Break-in To entry into property illegally using actual

force or violence

of which there is visible evidence.

Business or Business

Purpose

Any full or part time, permanent or temporary, activity

undertaken with a view to profit or gain.

Burglary

an act involving the unauthorised entry to or exit from Your

me or attempt or threat thereof by unexpected, forcible,

visible and violent means, with an intent to commit an act of

Theft.

SBI General Insurance Company Limited

SBI General Insurance Company Limited. Registered and Corporate Office: “Natraj” 301, Junction of Western Express Highway & Andheri

Kurla – Road, Andheri (East), Mumbai – 400 069|CIN: U66000MH2009PLC190546 | Toll free: 18001021111 |

[email protected] | www.sbigeneral.in | For more details on the risk factor, terms, and conditions, please refer to the Sales

Brochure and Policy Wordings carefully before concluding a sale| SBI Logo displayed belongs to State Bank of India and used by SBI General

Insurance Company Limited under license | IRDAI Reg No: 144 |UIN: IRDAN144RP0002V02201617

Simple Home Insurance– Policy Wordings 4

Carpet Area

for the main building unit of Your Home, it is the net

usable floor area, excluding the area covered by the

external walls, areas under services shafts, exclusive

balcony or verandah area and exclusive open terrace

area, but including the area covered by t

he internal

partition walls of the residential unit;

for any enclosed structure on the same site, it is the net

usable floor area of such structure; and

for any balcony, verandah area, terrace area, parking

area, or any enclosed structure that is part of

Your

Home, it is 25% of its net usable floor area.

Cheque

Any bank draft drawn against deposited funds to pay a

specific sum to a specified payee on demand other than

drafts with a stamped signature.

Commencement

Date

It is the date and time from which the insurance cover under

this Policy begins. It is shown in the Policy Schedule.

Congenital Anomaly

Refers to a condition(s) which is present since birth, and

which is abnormal with reference to form, structure or

position.

a. Internal Congenital Anomaly -

Congenital

anomaly which is not in the visible and

accessible parts of the body.

b. External Congenital Anomaly -

Congenital

anomaly which is in the visible and accessible

parts of the body

Content The following not

used for Business or Business Purposes,

so long as they are owned by You and/or You or Your Family

are legally responsible for them:

Household goods, such as furniture, fixtures, fittings,

home appliances, interior decorations, and items of

like nature.

2. Pe

rsonal Effects such as clothes and other articles

of a personal nature likely to be worn, used, or

carried including Personal Money, Jewellery and

Valuables up to the limit shown in the Schedule.

SBI General Insurance Company Limited

SBI General Insurance Company Limited. Registered and Corporate Office: “Natraj” 301, Junction of Western Express Highway & Andheri

Kurla – Road, Andheri (East), Mumbai – 400 069|CIN: U66000MH2009PLC190546 | Toll free: 18001021111 |

[email protected] | www.sbigeneral.in | For more details on the risk factor, terms, and conditions, please refer to the Sales

Brochure and Policy Wordings carefully before concluding a sale| SBI Logo displayed belongs to State Bank of India and used by SBI General

Insurance Company Limited under license | IRDAI Reg No: 144 |UIN: IRDAN144RP0002V02201617

Simple Home Insurance– Policy Wordings 5

Cost of

Construction

The amount required to construct Your Home Building at the

Commencement Date.

This amount is calculated as follows:

For residential structure of Your Home including

Fittings and Fixtures:

Carpet Area of the structure in square metres X Rate of Cost

Construction at the Commencement Date. The Rate of

Cost of Construction is the prevailing rate of cost of

construction of Your Home Building at the Commencement

Date as declared by You and accepted by Us and shown in

the Policy schedule.

b. For additional structures

: the amount that is based

on the prevailing rate of Cost of Construction at the

Commencement Date as declared by You and accepted by

Us.

Cumulative Bonus

Any increase or addition in the Sum Insured granted by the

insurer without an associated increase in premium.

Damage Actual and/or physical damage to tangible property;

Dependent The insured’s spouse or Parent or Parent- in-

law or child

who has been enrolled in the Policy and does not have an

independent source of earning

(rental or pension income is

not considered as an earning).

Domestic Staff

/Employee

Any person employed by You solely to carry out domestic

duties associated with Your Home but does not include any

person employed in any capacity in connection with any

Business, trade or profession.

Emergency

A serious medical condition or symptom resulting from Injury

or sickness which arises suddenly and unexpectedly and

requires immediate care and treatment by a Medical

Practitioner, generally received within 24 hours

of onset to

avoid jeopardy to life or serious long-

term impairment of the

Insured Person’s health, until stabilisation at which time this

medical condition or symptom is not considered an

emergency anymore.

Endorsement

A written amendment to the Policy that We make (additions,

deletions, modifications, exclusions or conditions of an

insurance Policy) which may change the terms or scope of

the original policy.

SBI General Insurance Company Limited

SBI General Insurance Company Limited. Registered and Corporate Office: “Natraj” 301, Junction of Western Express Highway & Andheri

Kurla – Road, Andheri (East), Mumbai – 400 069|CIN: U66000MH2009PLC190546 | Toll free: 18001021111 |

[email protected] | www.sbigeneral.in | For more details on the risk factor, terms, and conditions, please refer to the Sales

Brochure and Policy Wordings carefully before concluding a sale| SBI Logo displayed belongs to State Bank of India and used by SBI General

Insurance Company Limited under license | IRDAI Reg No: 144 |UIN: IRDAN144RP0002V02201617

Simple Home Insurance– Policy Wordings 6

Family, Them or They You, Your spouse, Your children, Your p

arents, or any other

persons who:

Are and continue to be normally resident with You

(excluding Domestic staff/ Employee), and

ii. Not paying a commercial rent.

Fungi

Any type or form of fungus, including but not limited to, all

forms of mold or mildew, and any mycotoxins, spores,

scents, vapour, gas, or substance, including any

byproducts, produced or released by Fungi.

General Contents General Contents are all the c

ontents of household use in

Your Home, e.g., furniture, electronic items and goods,

antennae, solar panels, water storage equipment, kitchen

equipment, electrical equipment (including those fitted on

walls), clothing and apparel and items of similar nature.

Grace Period the specified period of time

immediately following the

premium due date during which a payment can be made to

renew or continue a policy in force without loss of continuity

benefits such as waiting periods and coverage of pre-

existing diseases. Coverage is not available for the perio

for which no premium is received. (Grace period is

applicable only to the Personal Accident section of this

Policy).

Home Contents

Those articles or things in Your Home that are not

permanently attached or fixed to the structure of Your

Home. Home Con

tents may consist of General Contents

and/or Valuable Contents.

Hospital Any institution established for in-

patient care and day care

treatment of illness and/ or injuries and which has been

registered as a hospital with the local authorities under

Clin

ical establishments (Registration and Regulation) Act

2010 or under enactments specified under the schedule of

Section 56(1) and the said act Or complies with all minimum

criteria as under:

Has qualified nursing staff under its employment round

the clock.

2. Has at least 10 in-

patient beds in towns having a

population of less than 1,000,000 and at least 15 in-

patient beds in all other places.

Has qualified Medical Practitioner(s) in charge round

the clock.

4. A fully equipped operation theatre of its ow

n where

surgical procedures are carried out.

maintains daily records of patients and make these

accessible to the Insurance Company’s authorized

personnel.

SBI General Insurance Company Limited

SBI General Insurance Company Limited. Registered and Corporate Office: “Natraj” 301, Junction of Western Express Highway & Andheri

Kurla – Road, Andheri (East), Mumbai – 400 069|CIN: U66000MH2009PLC190546 | Toll free: 18001021111 |

[email protected] | www.sbigeneral.in | For more details on the risk factor, terms, and conditions, please refer to the Sales

Brochure and Policy Wordings carefully before concluding a sale| SBI Logo displayed belongs to State Bank of India and used by SBI General

Insurance Company Limited under license | IRDAI Reg No: 144 |UIN: IRDAN144RP0002V02201617

Simple Home Insurance– Policy Wordings 7

Hospitalization or

Hospitalised

Admission in a Hospital for a minimum period of 24 In-

patient Care

consecutive hours except for specified

procedures/ treatments, where such admission could be for

a period of less than 24 consecutive hours.

Insured

The Person/s who has/have purchased Insurance Cover

under this Policy.

Insured Property

Your Home Building and Home Contents, or any item of

property covered by this Policy.

Jewellery

Articles of personal adornment containing gemstones,

silver, gold, platinum, or other precious metals.

Kutcha

Construction

Building(s) having walls and/or roofs of wooden

planks/thatched leaves and/or grass/hay of any

kind/bamboo/plastic cloth/asphalt/canvas/tarpaulin and the

like.

Larceny

unlawful taking and carrying away of Contents belonging to

You and/or Your Family with

the purpose of depriving You

and/or Your Family of its possession permanently.

Lost or Stolen

Means having been inadvertently lost or having been stolen

by a third party without Your assistance, consent, or co-

operation.

Market Value

Means the value at which property insured could be

replaced with one of the same kind, type, age and condition.

Medical Advice

Means any consultation or advice from a Medical

Practitioner including the issue of any prescription or repeat

prescription.

Medical Expenses

Those expenses that an Insured person has necessarily and

actually incurred on medical treatment on account of illness

or accident on the advice of Medical Practitioner, as long as

these are no more than would have been payable if the

Insure

d Person had not been insured and no more than

other hospitals or doctors in the same locality would have

charged for the same medical treatment.

Medically Necessary

Means any treatment, test, medication, or stay in Hospital or

part of stay in Hospital which,

Is required for the medical management of the

Illness or Injury suffered by the Insured Person;

ii.

Must not exceed the level of care necessary to

provide safe, adequate and appropriate medical

care in scope, duration or intensity.

iii. Must have b

een prescribed by a Medical

Practitioner; and

SBI General Insurance Company Limited

SBI General Insurance Company Limited. Registered and Corporate Office: “Natraj” 301, Junction of Western Express Highway & Andheri

Kurla – Road, Andheri (East), Mumbai – 400 069|CIN: U66000MH2009PLC190546 | Toll free: 18001021111 |

[email protected] | www.sbigeneral.in | For more details on the risk factor, terms, and conditions, please refer to the Sales

Brochure and Policy Wordings carefully before concluding a sale| SBI Logo displayed belongs to State Bank of India and used by SBI General

Insurance Company Limited under license | IRDAI Reg No: 144 |UIN: IRDAN144RP0002V02201617

Simple Home Insurance– Policy Wordings 8

iv.

Must conform to the professional standards

widely accepted in international medical practice

or by the medical community in India.

Medical Practitioner A person who holds a valid registration from the Medical

Council of any state or Medical Council of India or Council

for Indian Medicine or for Homeopathy set up by the

Government of India or a State Government and is thereby

entitled to practice medicine within its Jurisdiction; and is

acting within its scope and Jurisdiction of license.

Nominee

The person named in the Policy Schedule who is nominated

to receive the benefits in respect of an Insured Person under

the Policy in accordance with the terms and conditions of the

Policy, if the Insured Person is

deceased.

Plate Glass The glass as described in Policy Schedule

Portable Equipment

Photographic equipment, Laptops, Mobile Phones, Video

Cameras, telescopes, musical instruments, tablets, I-pods

and portable equipment of a similar nature which are

designed and capable of being carried or moved from one

location to another

Policy Period

Policy period means the period commencing from the

effective date and time as shown in the Policy Schedule and

terminating at Midnight on the expiry date as shown in the

Policy Schedule or on the termination of or the cancellation

of insurance as provided for in Clause G (III)

of this Policy,

whichever is earlier.

Policy Schedule

The document accompanying and forming part of the Policy

that gives Your details and of Your insurance cover, as

described in

Clause A (3)

of this Policy.

Premium

The premium is the amount You pay Us for this insurance.

The Policy Schedule shows the amo

unt of premium for the

Policy Period and all other taxes and levies.

Pre-existing

Conditions

any condition, ailment or injury or related condition(s) for

which there were sign or symptoms and/ or were diagnosed

and/ or for which medical advice/ treatmen

t was received

within 48 months prior to the first policy issued by the insurer

and renewed continuously thereafter.

Public Authority Any governmental, quasi-

governmental organisation or any

statutory body or duly authorised organisation with the

power t

o enforce laws, exact obedience, command,

determine or judge.

Pucca Construction Construction other than Kutcha Construction.

Reasonable and

Customary Charges

The charges for services or supplies, which are the standard

charges for the specific provider and consistent with the

SBI General Insurance Company Limited

SBI General Insurance Company Limited. Registered and Corporate Office: “Natraj” 301, Junction of Western Express Highway & Andheri

Kurla – Road, Andheri (East), Mumbai – 400 069|CIN: U66000MH2009PLC190546 | Toll free: 18001021111 |

[email protected] | www.sbigeneral.in | For more details on the risk factor, terms, and conditions, please refer to the Sales

Brochure and Policy Wordings carefully before concluding a sale| SBI Logo displayed belongs to State Bank of India and used by SBI General

Insurance Company Limited under license | IRDAI Reg No: 144 |UIN: IRDAN144RP0002V02201617

Simple Home Insurance– Policy Wordings 9

prevailing charges in the geographical area for identical or

similar services, taking into account the nature of the

Illness/Injury invol

ved.

Replacement Cost/

Reinstatement Value

The value at which the property insured could be replaced

with new property of the same kind, type and specification

but not superior to or more extensive than the insured

property and includes wherever applicable freight, custom

duty, dismantling and re-erection cost and any other

relevant charges, if included in the Sum Insured.

Renewal

means the terms on which the contract of insurance can be

renewed on mutual consent with a provision of Grace Period

for treat

ing renewal continuous for the purpose of all waiting

periods.

Robbery

means the unlawful taking of money or other property from

Your care and custody by one who has caused or

threatened You with bodily harm or Injury or has put You in

the fear of

immediate Bodily Injury and committing an illegal

or violent act.

Spouse Your wife or husband.

Sum Insured

The amount shown as Sum Insured in the Policy

Schedule and as described in Clause C (4) and

Clause D

(2) of this Policy. It represents Our max

imum liability for each

cover or part of cover and for each loss.

Theft An act of directly or indirectly mis-appropriating

with an

intention of

illegally permanently depriving You and/or Your

Family of the Contents by any person by violent or

forceful

means or otherwise.

Total Loss

A situation where the Insured Property or item is completely

destroyed, lost or damaged beyond retrieval or repair or the

cost of repairing it is more than the Sum Insured for that item

or in total.

Unoccupied Yo

ur Home remaining unoccupied by You and/or Your

Family for more than 30 consecutive days.

Valuable Contents Valuable Contents

of Your Home consist of items such as

jewellery, silverware, paintings, works of art, antique items,

curios and items of similar nature.

Vehicle

means Your car, truck, jeep, motorcycle, recreational

vehicle, or camper.

We, Us, Our, Insurer

Simple Home Insurance Policy that has provided Insurance

Cover under this Policy; of the Company.

SBI General Insurance Company Limited

SBI General Insurance Company Limited. Registered and Corporate Office: “Natraj” 301, Junction of Western Express Highway & Andheri

Kurla – Road, Andheri (East), Mumbai – 400 069|CIN: U66000MH2009PLC190546 | Toll free: 18001021111 |

[email protected] | www.sbigeneral.in | For more details on the risk factor, terms, and conditions, please refer to the Sales

Brochure and Policy Wordings carefully before concluding a sale| SBI Logo displayed belongs to State Bank of India and used by SBI General

Insurance Company Limited under license | IRDAI Reg No: 144 |UIN: IRDAN144RP0002V02201617

Simple Home Insurance– Policy Wordings 10

You, Your, Insured

The Insured Person/s who has/have purchased Insurance

Cover under this Policy; of such Insured Person/s.

Your Home

Building

Your Home Building

is a building consisting of a residential

unit, having an enclosed structure and a roof, basement (if

any) and used as a dwelling place described in detail as per

Clause C (2) of this Policy.

SECTION 1 – FIRE AND ALLIED PERILS

Clause B. Insured Events

We give insurance cover for physical loss or damage, or destruction caused to Insured Property by

the following unforeseen events occurring during the Policy Period.

The events covered are given in Column A and those not covered in respect of these events are

given in Column B.

Column A Column B

We cover physical loss or damage, or

destruction caused to the Insured

Property by

We do not cover any loss or damage,

or destruction caused to the Insured

Property

1. Fire

caused by burning of Insured Property

by order of any Public Authority.

2. Explosion or Implosion -

3. 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

caused by

a. normal cracking, settlement or

bedding down of new structures,

b. the settlement or movement of

made up ground,

SBI General Insurance Company Limited

SBI General Insurance Company Limited. Registered and Corporate Office: “Natraj” 301, Junction of Western Express Highway & Andheri

Kurla – Road, Andheri (East), Mumbai – 400 069|CIN: U66000MH2009PLC190546 | Toll free: 18001021111 |

[email protected] | www.sbigeneral.in | For more details on the risk factor, terms, and conditions, please refer to the Sales

Brochure and Policy Wordings carefully before concluding a sale| SBI Logo displayed belongs to State Bank of India and used by SBI General

Insurance Company Limited under license | IRDAI Reg No: 144 |UIN: IRDAN144RP0002V02201617

Simple Home Insurance– Policy Wordings 11

c. coastal or river erosion,

defective design or workmanship

or use of defective materials, or

demolition, construction, structural

alterations or repair of any property, or

groundworks or excavations.

7. 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 (e.g. vehicle, falling

trees, aircraft, wall etc.)

caused by pressure waves caused by

aircraft or other aerial or space devices

travelling at sonic or supersonic

speeds.

9. Missile testing operations -

10.

Riot, Strikes, Malicious Damages

caused by

a. temporary or permanent

dispossession, confiscation,

commandeering, requisition or

destruction by order of the

government or any lawful

authority,

b. temporary or permanent

dispossession of Your Home by

unlawful occupation by any person.

Acts of terrorism

(Coverage as per Terrorism Clause

attached)

Exclusions and Excess as per

Terrorism Clause attached.

12.

Bursting or overflowing of water tanks,

apparatus and pipes.

13.

Leakage from automatic sprinkler

installations.

repairs or alterations in Your Home

or the building in which

Your Home is located,

b. repairs, removal or extension of

any sprinkler installation, or

defects in the construction known to

You.

14.

Theft within 7 (seven )days from the

occurrence of and proximately caused

by any of the above Insured Events.

if it is

a. of any article or thing outside

Your Home, or

SBI General Insurance Company Limited

SBI General Insurance Company Limited. Registered and Corporate Office: “Natraj” 301, Junction of Western Express Highway & Andheri

Kurla – Road, Andheri (East), Mumbai – 400 069|CIN: U66000MH2009PLC190546 | Toll free: 18001021111 |

[email protected] | www.sbigeneral.in | For more details on the risk factor, terms, and conditions, please refer to the Sales

Brochure and Policy Wordings carefully before concluding a sale| SBI Logo displayed belongs to State Bank of India and used by SBI General

Insurance Company Limited under license | IRDAI Reg No: 144 |UIN: IRDAN144RP0002V02201617

Simple Home Insurance– Policy Wordings 12

of any article or thing attached from the

outside of the outer walls or the roof of

Your Home, unless securely mounted.

Clause C: Home Building Cover

1. What We cover

We cover physical loss or damage, or destruction of Your Home Building because of any

Insured Event listed in Clause B of this Policy. We also cover architect’s, surveyor’s, consulting

engineer’s fees, cost of removing debris as specified under Clause C (5) (f) of this Policy.

Further, We pay for Loss of rent and Rent for Alternative Accommodation, which will be paid

to the extent declared by You and agreed by Us as specified under Clause C (6) of this Policy

while Your Home Building is not fit for living following loss or damage due to an insured event.

2. Your Home Building

a. Your Home Building is a building consisting of a residential unit, having an enclosed

structure and a roof, basement (if any) and used as a dwelling place.

b. Your Home Building includes

i. fixtures and fittings permanently attached to the floor, walls or roof, like fixed sanitary

fittings, electrical wiring and other permanent fittings.

ii. the following ‘additional structures’ if they are on the same site, and are used as part

of Your Home Building:

a) garage, domestic out-houses used for residence, parking spaces or areas, if

any

b) compound walls, fences, gates, retaining walls and internal roads,

c) verandah or porch and the like,

d) septic tanks, bio-gas plants, fixed water storage units or tanks,

e) solar panels, wind turbines and air conditioning systems, central heating

systems and the like, if not included in Home Contents Cover,

iii. any other structure shown in the Policy Schedule.

c. Your Home Building does not include Contents of Your Home.

3. Use for residence:

a. We will pay only if Your Home Building is used for the purpose of residence of Yourself and

Your family, or of Your tenant, licensee, or employee.

b. We will not pay if

i. Your Home Building is used as a holiday home, or for lodging and boarding, or

SBI General Insurance Company Limited

SBI General Insurance Company Limited. Registered and Corporate Office: “Natraj” 301, Junction of Western Express Highway & Andheri

Kurla – Road, Andheri (East), Mumbai – 400 069|CIN: U66000MH2009PLC190546 | Toll free: 18001021111 |

[email protected] | www.sbigeneral.in | For more details on the risk factor, terms, and conditions, please refer to the Sales

Brochure and Policy Wordings carefully before concluding a sale| SBI Logo displayed belongs to State Bank of India and used by SBI General

Insurance Company Limited under license | IRDAI Reg No: 144 |UIN: IRDAN144RP0002V02201617

Simple Home Insurance– Policy Wordings 13

ii. Your Home Building or any part of Your Home Building is used for purposes other

than residential except where it is used both for Your residence and for the purposes

of earning Your livelihood if You are self-employed or You have shifted Your office to

Your Home Building for a temporary period due to lockdown or closure of Your office

ordered by a public authority.

4. Sum Insured:

a. The Sum Insured for the Home Building Cover is the prevailing Cost of Construction of Your

Home Building at the Commencement Date as declared by You and accepted by Us and

will be the maximum amount payable in the event the Home Building is a Total Loss.

b. If the Policy Period is more than one year, We will automatically increase Your Sum Insured

during the Policy Period by 10% per annum on each anniversary of Your Policy without

additional premium for a maximum of 100% of the Sum Insured at the Policy

Commencement Date.

c. The Sum Insured will be automatically increased each day by an amount representing

1/365th of 10% of Sum Insured at the Policy Commencement Date for annual policies.

d. Restoration of Sum Insured : Except as stated in Clause G (III) (3) (b) of this

Policy, the insurance cover will at all times be maintained during the Policy Period to the

full extent of the respective Sum Insured. This means that after We have paid for any loss,

the policy shall be restored to the full original amount of Sum Insured. You must pay to Us

proportionate premium for the unexpired Policy Period from the date of loss. We can also

deduct this premium from the net claim that We must pay You.

5. What We pay

a. If You make a claim under the policy for damage to Your Home Building due to any of the

insured perils, We reimburse the cost to repair it to a condition substantially the same as its

condition at the time of damage. You must spend for repairs and claim that amount from

Us.

b. We will calculate the amount of claim on the basis of the actual Carpet Area subject to the

Carpet Area not exceeding that declared by You in the Proposal Form and stated in the

Policy Schedule.

c. The maximum We will pay for all items together is the Sum Insured shown in the Policy

Schedule for Home Building Cover. If the Policy Schedule shows any limit for any item,

such limit is the maximum We will pay for that item.

d. If Your Home Building is a Total Loss, We will pay You the Sum Insured of the Home

Building.

e. If only an additional structure is destroyed, We will pay You an amount equal to the Cost of

Construction of the additional structure.

f. In addition to what Clause C (5) (c) of this Policy provides for, We will pay You the following

expenses:

i. up to 5% of the claim amount for reasonable fees of architect, surveyor, consulting

engineer;

SBI General Insurance Company Limited

SBI General Insurance Company Limited. Registered and Corporate Office: “Natraj” 301, Junction of Western Express Highway & Andheri

Kurla – Road, Andheri (East), Mumbai – 400 069|CIN: U66000MH2009PLC190546 | Toll free: 18001021111 |

[email protected] | www.sbigeneral.in | For more details on the risk factor, terms, and conditions, please refer to the Sales

Brochure and Policy Wordings carefully before concluding a sale| SBI Logo displayed belongs to State Bank of India and used by SBI General

Insurance Company Limited under license | IRDAI Reg No: 144 |UIN: IRDAN144RP0002V02201617

Simple Home Insurance– Policy Wordings 14

ii. up to 2 % of the claim amount for reasonable costs of removing debris from the

site.

6. Loss of Rent and Rent for Alternative Accommodation: In addition to what Clause C (5)

pay while Your Home Building is not fit for living because of physical loss arising out of an

Insured Event as follows:

a. If You are living in Your Home as a tenant, and You are required to pay higher rent for the

alternative accommodation, We will pay the difference between the rent for alternative

accommodation and the rent of Your Home Building.

b. We will pay the loss under this cover for an accommodation that is not superior to Your

Home Building in any way and in the same city as Your Home Building.

c. The amount of lost rent shall be calculated as follows:

Sum Insured for Cover for Loss of Rent (as declared by You in the Proposal Form and

specified by Us in the Policy Schedule) X Period necessary for repairs ÷ Loss of Rent

Period opted for.

d. This cover will be available for the reasonable time required to repair Your Home Building

to make it fit for living. The maximum period of this cover is three years from the date Your

Home Building becomes unfit for living. You must submit a certificate from an architect or

the local authority to show that Your Home Building is not fit for living.

e. Claim for loss of rent will be accepted only if We have accepted Your claim for loss for

physical damage to Your Home under the Home Building Cover.

Clause D: Home Contents Cover

1. What We cover:

We cover the physical loss or damage to or destruction of the General Contents of Your Home

caused by an Insured Event as listed in Clause B of this Policy. Valuable Contents of Your

Home are not covered under this Policy unless You have purchased the optional cover for the

Valuable Contents.

2. Sum Insured:

a. The Sum Insured for the Home Contents Cover is shown in the Policy Schedule and will be

the maximum amount payable in the event the Home Contents are destroyed/lost

completely.

b. The policy has a built-in cover for the General Contents of Your home equal to 20% of the

Sum Insured for Home Building Cover subject to a maximum of ₹ 10 Lakh (Rupees Ten

Lakh) provided You have opted for both Home Building and Home Contents cover. If You

choose to have a higher Sum Insured for Home Contents, You have to declare the Sum

Insured in the Proposal Form and pay additional premium.

c. If You have purchased only Home Contents Cover, You have to declare the Sum Insured

for the General Contents in the Proposal Form.

SBI General Insurance Company Limited

SBI General Insurance Company Limited. Registered and Corporate Office: “Natraj” 301, Junction of Western Express Highway & Andheri

Kurla – Road, Andheri (East), Mumbai – 400 069|CIN: U66000MH2009PLC190546 | Toll free: 18001021111 |

[email protected] | www.sbigeneral.in | For more details on the risk factor, terms, and conditions, please refer to the Sales

Brochure and Policy Wordings carefully before concluding a sale| SBI Logo displayed belongs to State Bank of India and used by SBI General

Insurance Company Limited under license | IRDAI Reg No: 144 |UIN: IRDAN144RP0002V02201617

Simple Home Insurance– Policy Wordings 15

d. The Sum Insured You have chosen for General Contents must be enough to cover the cost

of replacement of the General Contents.

e. If You want to cover the Valuable Contents in Your Home, You must opt for the Optional

Cover for Valuable Contents as given in Clause E (1) (a) of this Policy.

f. Restoration of Sum Insured: Except as stated in Clause G (III) (3) (b) of this Clause below,

the insurance cover will at all times be maintained during the Policy Period to the full extent

of the respective Sum Insured. This means that after We have paid for any loss, the policy

shall be restored to the full original amount of Sum Insured. You must pay to Us

proportionate premium for the unexpired Policy Period from the date of loss. We can also

deduct this premium from the net claim that We must pay You.

3. What We pay

a. If the General Contents of Your Home are physically damaged by any Insured Event, We

will at Our option,

i. reimburse to You the cost of repairs to a condition substantially the same as its

condition at the time of damage, or

ii. pay You the cost of replacing that item with a same or similar item, or

iii. repair the damaged item to a condition substantially the same as its condition at

the time of damage.

b. The maximum We will pay for Home Contents is the Sum Insured shown in the Policy

Schedule for Home Contents Cover. If the Policy Schedule shows any limit for any item, or

category or groups of items, such limit is the maximum We will pay for that item.

Clause E: Additional Covers

1. Optional Covers:

a. Cover for Valuable Contents on Agreed Value Basis (under Home Contents cover):

For Valuable Contents, a value may be agreed upon by You and Us based on a valuation

certificate submitted by You and accepted by Us. However, We shall waive the requirement

of valuation certificate if the Sum Insured opted for is up to ₹ 5 Lakh (Rupees Five Lakh)

and Individual item value does not exceed ₹ 1 Lakh (Rupees One Lakh).

i. If the Valuable Contents of Your Home are physically damaged by any Insured

Event, We will pay the cost of repairing the item/s.

ii. If the Valuable Contents of Your Home are a Total Loss We will pay the Sum Insured

shown in the Policy Schedule for the Valuable item/s. If the Policy Schedule shows

any limit for any item, or category or groups of items, such limit is the maximum We

will pay for that item. Loss to only one item of a pair or set does not constitute loss

or damage to the entire pair or set.

b. Personal Accident Cover:

SBI General Insurance Company Limited

SBI General Insurance Company Limited. Registered and Corporate Office: “Natraj” 301, Junction of Western Express Highway & Andheri

Kurla – Road, Andheri (East), Mumbai – 400 069|CIN: U66000MH2009PLC190546 | Toll free: 18001021111 |

[email protected] | www.sbigeneral.in | For more details on the risk factor, terms, and conditions, please refer to the Sales

Brochure and Policy Wordings carefully before concluding a sale| SBI Logo displayed belongs to State Bank of India and used by SBI General

Insurance Company Limited under license | IRDAI Reg No: 144 |UIN: IRDAN144RP0002V02201617

Simple Home Insurance– Policy Wordings 16

In the event an insured peril that caused damages to Your Home Building and/or Home

Contents also results in the unfortunate death of either You or Your spouse, We will pay

compensation of ₹ 5,00,000 (Rupees Five Lakh) per person.

In the event of the unfortunate death of the insured, the Personal Accident cover shall

continue for the spouse until expiry of the policy.

2. Add-ons:

You can opt for an Add-on by choosing from the Add-ons, if any, offered by Us under this

product and the ones that You have purchased will be mentioned in the Policy Schedule and

the relevant clause/s and/or endorsements will be attached to this Policy.

Specific Exclusions Applicable to Section I:

1. Loss or damage to bullion or unset precious stones, manuscripts, plans, drawings, securities,

obligations or documents of any kind, coins or paper money, cheques, vehicles, and explosive

substances unless otherwise expressly stated in the policy.

2. Loss of any Insured Property which is missing or has been mislaid, or its disappearance cannot

be linked to any single identifiable event.

3. Loss or damage to any Insured Property removed from Your Home to any other place.

4. Loss, damage or destruction to any electrical/electronic machine, apparatus, fixture, or fitting

by over-running, excessive pressure, short circuiting, arcing, selfheating or leakage of

electricity from whatever cause (lightning included). This exclusion applies only to the particular

machine so lost, damaged or destroyed.

5. Loss of earnings, loss by delay, loss of market or other consequential or indirect loss or

damage of any kind or description whatsoever.

6. Any reduction in market value of any Insured Property after its repair or reinstatement.

7. Any addition, extension, or alteration to any structure of Your Home Building that increases its

Carpet Area by more than 10% of the Carpet Area existing at the Commencement Date or on

the date of renewal of this Policy, unless You have paid additional premium and such addition,

extension or alteration is added by Endorsement.

8. Costs, fees, or expenses for preparing any claim.

Clause F. Other Section

You may opt any below section along with Section 1-Fire and Allied Perils. In consideration of

addition premium, it is hereby and agreed that We will pay/restrict the Sum Insured under below

listed covers subject to all terms, condition, exclusion applicable to the Policy.

SECTION 2 – BURGLARY AND THEFT

A. What We Cover

SBI General Insurance Company Limited

SBI General Insurance Company Limited. Registered and Corporate Office: “Natraj” 301, Junction of Western Express Highway & Andheri

Kurla – Road, Andheri (East), Mumbai – 400 069|CIN: U66000MH2009PLC190546 | Toll free: 18001021111 |

[email protected] | www.sbigeneral.in | For more details on the risk factor, terms, and conditions, please refer to the Sales

Brochure and Policy Wordings carefully before concluding a sale| SBI Logo displayed belongs to State Bank of India and used by SBI General

Insurance Company Limited under license | IRDAI Reg No: 144 |UIN: IRDAN144RP0002V02201617

Simple Home Insurance– Policy Wordings 17

We will pay You for the loss and Damage caused by Burglary or Theft including Larceny

and/or attempted Burglary or Theft including Larceny to:

a) Your Home subject to maximum payment of 10% of the Section Sum Insured or Rs

5,000 whichever is less

b) The Contents of Your Home up to the Section Sum Insured and/or

c) Newly purchased Contents i.e. purchased after commencement of the Policy, subject

to maximum payment of 10% of the Section Sum Insured or Rs 20,000 whichever is

less, duly supported by original purchase invoice/ bill and/or

d) Contents that You have placed in safe custody during Your temporary absence from

Your Home as long as the period of the placement of such Contents does not exceed a

total of 120 days in any one Period of Insurance, subject to maximum payment of 10%

of the Section Sum Insured or Rs 10,000 whichever is less and/or

e) Contents that have been moved to a private residential accommodation (not being Your

Home) that is being occupied by You and/or Your Family for a period not exceeding 30

consecutive days in any one Period of Insurance, subject to a maximum payment of

10% of the Section Sum Insured or Rs 10,000 whichever is less and/or

f) Personal Money not exceeding 1% of Section Sum Insured or Rs 10,000 whichever is

less.

B. What We NOT Cover

We will not make payment to You under this Section:

a) If the loss or Damage occurs while Your Home is Unoccupied unless the Company is

informed at the time of applying for insurance or prior to Your Home being unoccupied,

signified by an endorsement on the Policy by or on behalf of the Company.

b) If You and/or Your Family and/or Your Domestic Staff are directly and/or indirectly in

any way involved in or concerned with the actual or attempted Burglary, Theft and

Larceny.

c) Any loss or Damage in respect of any Kutcha Construction

d) For any loss or Damage to livestock, motor Vehicles, pedal cycles, Personal Money,

securities for money, stamp, bullion, deeds, bonds, bills of exchange, promissory notes,

stock or share certificates, business books, manuscripts, documents of any kind, unset

precious stones, Jewellery, Valuables, ATM or credit cards (unless previously

specifically declared to and accepted by Us and/or as provided in the Policy Schedule)

e) For the first Rs 1,000/- for each and every claim under this Section excluding claim for

Personal Money, Jewellery and Valuables. In case of a claim for Personal Money,

Jewellery and Valuables first Rs 2,000/-.

f) For loss or Damage to Personal Money, Jewellery and Valuables due to Larceny

SBI General Insurance Company Limited

SBI General Insurance Company Limited. Registered and Corporate Office: “Natraj” 301, Junction of Western Express Highway & Andheri

Kurla – Road, Andheri (East), Mumbai – 400 069|CIN: U66000MH2009PLC190546 | Toll free: 18001021111 |

[email protected] | www.sbigeneral.in | For more details on the risk factor, terms, and conditions, please refer to the Sales

Brochure and Policy Wordings carefully before concluding a sale| SBI Logo displayed belongs to State Bank of India and used by SBI General

Insurance Company Limited under license | IRDAI Reg No: 144 |UIN: IRDAN144RP0002V02201617

Simple Home Insurance– Policy Wordings 18

g) For any loss or Damage caused by use of the key to the insured premises or any

duplicate thereof belonging to the Insured, unless such key has been obtained by

assault or violence or any threat thereof.

Additional Benefits

1) Property of domestic employees and guest

We will pay up to Rs 25,000/- during the Period of Insurance to cover the personal

belongings of Your Domestic Staff and guests while it is on the insured premises excluding

Jewellery, Personal Money or any other Valuables, items damaged due to perils covered

Section “Burglary and Theft”

First Loss Basis: (Applicable if it is shown on Your Schedule)

Option 1: (when total value of Contents is not declared)

Conditions applicable to Sections other than Section I: 2).e)i)3)g) shall not apply to this

benefit.

Option 2: (where total value of Contents is declared)

First Loss limit (expressed as % of the total value of Contents declared for insurance) will be as

specified in the Schedule and shall deemed as Section Sum Insured.

Conditions applicable to Sections other than Section 2).e)i)3)g) shall not apply to this benefit

and “Condition of Partial Average” as below shall apply.

Condition of Partial Average

It is hereby declared and agreed that this Policy is issued as the First Loss Insurance up to % of

the Insured’s total value of Contents (100%) as limit in the Schedule attached and forming part of

the Policy.

It is further declared and agreed in the event of total value of Contents at risk at the time of loss be

greater by more than 15% of the total value declared for the purpose of this insurance and

incorporated in the Schedule, the Insured shall be considered as being his own insurer, for the

difference, and shall bear ratable share of the loss accordingly. Every item, if more than one, of the

Policy, shall be separately subject to this condition.

Subject otherwise to terms, conditions and exceptions of the Policy.

SECTION 3 – PUBLIC LIABILITY

A. What We Cover

SBI General Insurance Company Limited

SBI General Insurance Company Limited. Registered and Corporate Office: “Natraj” 301, Junction of Western Express Highway & Andheri

Kurla – Road, Andheri (East), Mumbai – 400 069|CIN: U66000MH2009PLC190546 | Toll free: 18001021111 |

[email protected] | www.sbigeneral.in | For more details on the risk factor, terms, and conditions, please refer to the Sales

Brochure and Policy Wordings carefully before concluding a sale| SBI Logo displayed belongs to State Bank of India and used by SBI General

Insurance Company Limited under license | IRDAI Reg No: 144 |UIN: IRDAN144RP0002V02201617

Simple Home Insurance– Policy Wordings 19

We will indemnify You against compensation and litigation expenses (incurred with Our

prior written consent), which You may become legally liable to pay anywhere in the World

on account of:

a) Accidental death or Bodily Injury/ Injury to any person other than You and/or Your Family

or Your Domestic Staff, subject to the Section Sum Insured for any one Accident or

series of Accidents arising from any one event or cause, and for all Accidents during

any Period of Insurance, and

b) Accidental Damage to property of any person other than You or Your Family or Your

Domestic Staff, subject to a limit of Section Sum Insured for any one Accident or series

of Accidents arising from any one event or cause, and for all Accidents during any Period

of Insurance, and

c) Claims payable by You to Your Domestic Staff under the Fatal Accidents Act 1855,

Workmen’s Compensation Act 1923 or any amendment thereto or common law subject

to the Section Sum Insured.

B. What We NOT Cover

We will not make any payment under this Section:

a) For Accidental death, Bodily Injury/ Injury or property Damage arising out of or incidental

to:

a. Your occupation or Business, trade or employment, or

b. Any structural alteration, additions, repairs or decoration to Your Home or

c. Any liability voluntarily assumed by You unless such liability would have

attached to You notwithstanding such voluntary assumption or

d. Your and/or Your Family’s ownership, possession, or custody of animals,

Vehicles, airborne or waterborne vessels or craft of any kind, or any

mechanically propelled Vehicle other than gardening equipment and

wheelchairs or

e. The transmission of any communicable disease or virus.

b) For Accidental death, Bodily Injury/ Injury or property Damage caused by, arising out of,

aggravated by or resulting from Fungi, wet or dry rot, or bacteria. This exclusion includes

any liability imposed on the Insured by any person and/or any Public Authority for any

loss or Damage caused by, arising out of, aggravated by or resulting from Fungi, wet or

dry rot or bacteria.

SECTION 4 – PLATE GLASS

A. What We Cover

We will indemnify You against Accidental loss or Damage to securely fixed plate glass

situated in Your home.

SBI General Insurance Company Limited

SBI General Insurance Company Limited. Registered and Corporate Office: “Natraj” 301, Junction of Western Express Highway & Andheri

Kurla – Road, Andheri (East), Mumbai – 400 069|CIN: U66000MH2009PLC190546 | Toll free: 18001021111 |

[email protected] | www.sbigeneral.in | For more details on the risk factor, terms, and conditions, please refer to the Sales

Brochure and Policy Wordings carefully before concluding a sale| SBI Logo displayed belongs to State Bank of India and used by SBI General

Insurance Company Limited under license | IRDAI Reg No: 144 |UIN: IRDAN144RP0002V02201617

Simple Home Insurance– Policy Wordings 20

B. What We NOT Cover

We will not make any payment under this Section for loss or Damage:

a) Occurring during the course of removal, alteration or repairs on or about Your Home

b) Unaccompanied by breakage to glass

c) To frames or framework of any description, unless specifically declared to and accepted

by Us,

d) Caused by the disfiguration or scratching of glass, other than a fracture extending

through the entire thickness of the glass.

e) To embossed, silvered, lettered, ornamental, curved or any other glass whatsoever,

other than glass which is plain and of ordinary glazing quality, unless specifically

declared to and accepted by Us.

f) Consequent to the loss or Damage of plate glass including Injury arising from breakage

of glass or during replacement thereof.

SECTION 5 – BAGGAGE

A. What We Cover

We will indemnify You,

a) For the Theft or Accidental loss, Damage or destruction anywhere in the World of

personal baggage accompanying and belonging to You and/or Your Family on a trip

undertaken outside of the municipal limits of the village, town, or city, in which You

and/or Your Family ordinarily reside.

b) For expenses incurred by You, whilst You and/or Your Family are on a personal trip,

for contingency purchase occasioned by a) above subject to maximum of 25% of

Section Sum Insured under this Section.

B. What We NOT Cover

We will not make payment to You under this Section:

a) For loss, Damage or destruction

a. Due to cracking, scratching or breakage of lens or glass whether part of any

equipment or otherwise to any item of a fragile or brittle nature (whether part of item

lost, damaged or destroyed or otherwise) unless the loss, Damage or destruction is

caused by an Accident involving the mode of transport of such item.

b. To any item of a perishable and/or consumable nature

c. To any item being conveyed by any carrier under the contract of affreightment.

d. To any loose item (including clothing) being worn or carried about during the trip.

SBI General Insurance Company Limited

SBI General Insurance Company Limited. Registered and Corporate Office: “Natraj” 301, Junction of Western Express Highway & Andheri

Kurla – Road, Andheri (East), Mumbai – 400 069|CIN: U66000MH2009PLC190546 | Toll free: 18001021111 |

[email protected] | www.sbigeneral.in | For more details on the risk factor, terms, and conditions, please refer to the Sales

Brochure and Policy Wordings carefully before concluding a sale| SBI Logo displayed belongs to State Bank of India and used by SBI General

Insurance Company Limited under license | IRDAI Reg No: 144 |UIN: IRDAN144RP0002V02201617

Simple Home Insurance– Policy Wordings 21

e. Of any electrical item caused by misuse, use other than in accordance with the

manufacturer’s recommendation, defect, excessive pressure, short circuiting, arcing

or by the effects of electricity from whatever cause (including lightning)

f. Of any money, securities, stamps, Business books or documents, Jewellery,

watches, furs, precious metals, precious stones, gold or silver ornaments,

Valuables, travel tickets, Cheques and bank drafts.

g. To personal baggage that is not within the care, custody or control of You and/or

Your Family

h. To personal baggage caused by rats, fungus, insects or vermin

i. Caused by or arising from leakage, spilling or explosion of liquids, oils or similar

materials, or articles of a dangerous or damaging nature.

b) For the loss of personal baggage from a car unless such loss occurred by violent and

visible means from an enclosed saloon car that had its windows closed and locked and

other security devices, if any, properly applied.

c) For more than the sole value of an item comprising part of a pair or set, without

reference to any special value which such item may have had as a part of such pair or

set and not more than a proportionate part of the value of the pair or set.

d) The first Rs 1000 of each and every claim under this Section.

SECTION 6 – BREAKDOWN OF DOMESTIC ELECTRIC & ELECTRONIC APPLIANCES

A. What We Cover

We will indemnify You

1. Against repair costs (both parts and labor) occasioned by the unforeseen and sudden

mechanical and/or electrical breakdown of Your domestic electrical and electronic

appliances specified in the Schedule whilst contained or fixed in Your Home.

2. Against loss or Damage by Accidental external means to Audio & Audio-Visual

appliances as mentioned in the Schedule whilst contained or fixed in Your Home

B. What We NOT Cover

We will not make any payment under this section in respect of:

a) The cost of repair associated with any malfunction for which the manufacturer or

supplier of the domestic appliances is responsible.

b) The cost of repair associated with an item for which cover is available under any other

operative section of this Policy.

c) The cost of repair associated with breakdown occasioned by natural wear and tear.

d) The cost of repair associated with any appliances that has been modified in any manner

or is used for Business or Business purposes

SBI General Insurance Company Limited

SBI General Insurance Company Limited. Registered and Corporate Office: “Natraj” 301, Junction of Western Express Highway & Andheri

Kurla – Road, Andheri (East), Mumbai – 400 069|CIN: U66000MH2009PLC190546 | Toll free: 18001021111 |

[email protected] | www.sbigeneral.in | For more details on the risk factor, terms, and conditions, please refer to the Sales

Brochure and Policy Wordings carefully before concluding a sale| SBI Logo displayed belongs to State Bank of India and used by SBI General

Insurance Company Limited under license | IRDAI Reg No: 144 |UIN: IRDAN144RP0002V02201617

Simple Home Insurance– Policy Wordings 22

e) The cost of repair associated with loss or Damage caused by or in process of erection,

cleaning, maintenance, repair, dismantling.

f) Loss or Damage caused by atmospheric or climatic changes, moths, insects and

vermin.

g) The cost of repair associated with the detention, seizure or confiscation by Public

Authorities of Your Domestic appliances

h) The cost of repair associated with the misuse of or use other than in accordance with

manufacturer’s recommendation of Your domestic appliances

i) The cost of repair associated with defects in wiring or electrical connections that are

not an integral part of Your domestic appliances

j) Any amount exceeding Section Sum Insured for each and every claim and for all claims

k) The first 1% of item Sum Insured or Rs 500 whichever is greater of each and every

claim

l) Loss or Damage to records, discs, cassettes or tapes.

Special Conditions applicable to this section in addition to the general conditions wherever

applicable

a) If the part required for the repair or replacement of the domestic electrical & electronic

appliances is not readily available in India, We may, in Our sole & absolute discretion,

instead pay either:

a. The price of the part quoted in the latest catalogue or price list issued by the

manufacturer or his agent in India or

b. If no such catalogue or price list exists, the price for such part quoted by the

manufacturer in its country of origin plus the relevant import duty and in either case

the reasonable cost of fitting such part not exceeding the Section Sum Insured

b) In case of a Total Loss, if damaged item is not replaced, Our payment to You will be reduced

by depreciation calculated at 10% per annum from the date of manufacture, subject to

maximum depreciation of 50% of the Replacement Cost not exceeding Section Sum

Insured.

First Loss Basis: (Applicable if it is shown on Your Schedule)

Option 1: (when total value of Contents is not declared)

Conditions applicable to Sections other than Section I 2) e) i) 3) g) shall not apply to this benefit.

Option 2: (where total value of Contents is declared)

SBI General Insurance Company Limited

SBI General Insurance Company Limited. Registered and Corporate Office: “Natraj” 301, Junction of Western Express Highway & Andheri

Kurla – Road, Andheri (East), Mumbai – 400 069|CIN: U66000MH2009PLC190546 | Toll free: 18001021111 |

[email protected] | www.sbigeneral.in | For more details on the risk factor, terms, and conditions, please refer to the Sales

Brochure and Policy Wordings carefully before concluding a sale| SBI Logo displayed belongs to State Bank of India and used by SBI General

Insurance Company Limited under license | IRDAI Reg No: 144 |UIN: IRDAN144RP0002V02201617

Simple Home Insurance– Policy Wordings 23

First Loss limit (expressed as % of the total value of Contents declared for insurance) will be as

specified in the Schedule and shall deemed as Section Sum Insured.

General Condition 2) e) i) 3) g) shall not apply to this benefit and “Condition of Partial Average” as

below shall apply.

Condition of Partial Average

It is hereby declared and agreed that this Policy is issued as the First Loss Insurance up to % of

the Insured’s total value of Contents (100%) as limit in the Schedule attached and forming part of

the Policy.

It is further declared and agreed in the event of total value of Contents at risk at the time of loss be

greater by more than 15% of the total value declared for the purpose of this insurance and

incorporated in the Schedule, the Insured shall be considered as being his own insurer, for the

difference, and shall bear ratable share of the loss accordingly. Every item, if more than one, of the

Policy, shall be separately subject to this condition.

Subject otherwise to terms, conditions and exceptions of the Policy.

SECTION 7 – PERSONAL ACCIDENT

A. What We Cover

We will pay You or insured family members, aged between 3 months and 65 years the

benefits as set out below, :

1. Accidental Death:

a. This benefit is payable if You or the insured family member suffers an Injury

anywhere in the World during the Policy Period solely and directly due to an

Accident that occurs during the Policy Period and that results in death within 365

days from the date of the Accident.

b. Benefit payable under this section is 100% of the Primary member Sum Insured or

as mentioned in the Policy Schedule. In case of dependant or unemployed family

members benefit is restricted to 50% of the primary member Sum Insured or as

mentioned in the Policy Schedule.

c. Once a claim has been accepted and paid under this Benefit in respect of an

Insured Person, the Insured Person’s insurance cover under this Section of the

Policy including will immediately and automatically terminate.

2. Permanent Total Disablement:

a. This benefit is payable if You or the insured family member suffers an Injury

anywhere in the World during the Policy Period solely and directly due to an

SBI General Insurance Company Limited

SBI General Insurance Company Limited. Registered and Corporate Office: “Natraj” 301, Junction of Western Express Highway & Andheri

Kurla – Road, Andheri (East), Mumbai – 400 069|CIN: U66000MH2009PLC190546 | Toll free: 18001021111 |

[email protected] | www.sbigeneral.in | For more details on the risk factor, terms, and conditions, please refer to the Sales

Brochure and Policy Wordings carefully before concluding a sale| SBI Logo displayed belongs to State Bank of India and used by SBI General

Insurance Company Limited under license | IRDAI Reg No: 144 |UIN: IRDAN144RP0002V02201617

Simple Home Insurance– Policy Wordings 24

Accident that occurs during the Policy Period and that results in the Permanent

Total Disablement of the Insured Person which is of the nature specified in the

table below, within 365 days from the date of the Accident.

Nature of Permanent Total Disablement

Percentage of the Sum

Insured payable for Insured

Total and irrecoverable loss of sight in both eyes 100%

Loss by physical separation or total and

permanent loss of use of both hands or both feet

100%

Loss by physical separation or total and

permanent loss of use of one hand and one foot

100%

Total and irrecoverable loss of sight in one eye

and loss of a Limb

100%

Total and irrecoverable loss of hearing in both

ears and loss of one Limb/ loss of sight in one

eye

100%

Total and irrecoverable loss of hearing in both

ears and loss of speech

100%

Total and irrecoverable loss of speech and loss

of one Limb/ loss of sight in one eye

100%

Permanent, total and absolute disablement (not

falling under any one the above) which results in

the Insured Person being unable to engage in

any employment or occupation or business for

remuneration or profit, of any description

whatsoever which results in Loss of

Independent Living

100%

For the purpose of this Benefit,

- Limb means a hand at or above the wrist or a foot above the ankle;

- Physical separation of one hand or foot means separation at or above wrist

and/or at or above ankle, respectively.

The Benefit as specified above will be payable provided that:

i. The Permanent Total Disablement is proved to Our satisfaction; and a disability

certificate issued by a civil surgeon or the equivalent appointed by the District,

State or Government Board is given to us;

ii. The Permanent Total Disablement continues for a period of at least 180 days

from the commencement of the Permanent Total Disablement, and We are

satisfied at the expiry of the 180 days that there is no reasonable medical hope of

improvement and such disability is permanent at the end of this period;

SBI General Insurance Company Limited

SBI General Insurance Company Limited. Registered and Corporate Office: “Natraj” 301, Junction of Western Express Highway & Andheri

Kurla – Road, Andheri (East), Mumbai – 400 069|CIN: U66000MH2009PLC190546 | Toll free: 18001021111 |

[email protected] | www.sbigeneral.in | For more details on the risk factor, terms, and conditions, please refer to the Sales

Brochure and Policy Wordings carefully before concluding a sale| SBI Logo displayed belongs to State Bank of India and used by SBI General

Insurance Company Limited under license | IRDAI Reg No: 144 |UIN: IRDAN144RP0002V02201617

Simple Home Insurance– Policy Wordings 25

b. In case of dependant or unemployed family members benefit is restricted to 50%

of the payable Sum Insured as per the table above.

c. If the Insured Person dies before a claim has been admitted under this Benefit,

then no amount will be payable under this Benefit;

d. Once a claim has been accepted and paid under this Benefit then the Insured

Person’s insurance cover under this Section of the will immediately and

automatically terminates.

3. Permanent Partial Disablement:

a. This benefit is payable if You or the insured family member suffers an Injury

anywhere in the World during the Policy Period solely and directly due to an

Accident that occurs during the Policy Period and that results in the Permanent

Partial Disablement of the Insured Person which is of the nature specified in the

table below, within 365 days from the date of the Accident.

Nature of Permanent Partial Disablement

Percentage of the

Sum Insured payable

i. Total and irrecoverable loss of sight in

one eye

50%

ii. Loss of one hand or one foot

50%

iii. Loss of all toes - any one foot

10%

iv. Loss of toe great - any one foot

v. Loss of toes other than great, if more

than one toe lost, each

vi. Total and irrecoverable loss of hearing

in both ears

50%

vii. Total and irrecoverable loss of hearing

in one ear

15%

viii. Total and irrecoverable loss of speech

50%

ix. Loss of four fingers and thumb of one

hand

40%

x. Loss of four fingers

35%

xi. Loss of thumb- both phalanges

25%

xii. Loss of thumb- one phalanx

10%

xiii. Loss of index finger-three phalanges

10%

xiv. Loss of index finger-two phalanges

xv. Loss of index finger-one phalanx

SBI General Insurance Company Limited

SBI General Insurance Company Limited. Registered and Corporate Office: “Natraj” 301, Junction of Western Express Highway & Andheri

Kurla – Road, Andheri (East), Mumbai – 400 069|CIN: U66000MH2009PLC190546 | Toll free: 18001021111 |

[email protected] | www.sbigeneral.in | For more details on the risk factor, terms, and conditions, please refer to the Sales

Brochure and Policy Wordings carefully before concluding a sale| SBI Logo displayed belongs to State Bank of India and used by SBI General

Insurance Company Limited under license | IRDAI Reg No: 144 |UIN: IRDAN144RP0002V02201617

Simple Home Insurance– Policy Wordings 26

xvi. Loss of middle/ring/little finger-three

phalanges

xvii. Loss of middle/ring/little finger-two

phalanges

xviii. Loss of middle/ring/little finger-one

phalanx

The Benefit specified above will be payable provided that:

i. The Permanent Partial Disablement is proved to Our satisfaction; and a

disability certificate issued by a civil surgeon or the equivalent appointed by

the District, State or Government Board is given to Us;

ii. The Permanent Partial Disablement continues for a period of at least 180

days from the commencement of the Permanent Partial Disablement and

We are satisfied at the expiry of the 180 days that there is no reasonable

medical hope of improvement and such disability is permanent at the end

of this period;

iii. If the Insured Person dies before a claim has been admitted under this

Benefit, then no amount will be payable under this Benefit;

iv. If the Insured Person suffers a loss that is not of the nature of Permanent

Partial Disablement specified in the table above, then Our medical advisors

will determine the degree of disablement and the amount payable, if any;

v. We will not make any payment under this Benefit if We have already paid

or accepted any claims under Sections of Accidental Death or Permanent

Total Disablement in respect of the Insured Person and the total amount

paid or payable under the claims is cumulatively greater than or equal to

the Sum Insured for that Insured Person;

b. Once a claim has been accepted and paid under this Benefit the Insured Person’s

insurance cover under this Policy shall continue, subject to availability of the Capital

Sum Insured.

4. Repatriation of Mortal remains:

This benefit is payable if we have accepted claim under Accidental Death section. We

will make a onetime lump sum payment for expenses incurred in transporting insured

person’s mortal remains to Your Home, subject to a maximum of 2% of Sum Insured

per person or Rs 7500 whichever is less on per policy year basis.

5. Ambulance Expenses:

a. This benefit is payable if any of the insured person suffers an Accident-causing

Injury that requires Hospitalisation. We will provide for reimbursement of

Reasonable and Customary expenses up to Rs 5000 on per policy per year basis

that are incurred towards transportation of an Insured Person by a registered

healthcare or Ambulance service provider to a Hospital for treatment of an Injury

SBI General Insurance Company Limited

SBI General Insurance Company Limited. Registered and Corporate Office: “Natraj” 301, Junction of Western Express Highway & Andheri

Kurla – Road, Andheri (East), Mumbai – 400 069|CIN: U66000MH2009PLC190546 | Toll free: 18001021111 |

[email protected] | www.sbigeneral.in | For more details on the risk factor, terms, and conditions, please refer to the Sales

Brochure and Policy Wordings carefully before concluding a sale| SBI Logo displayed belongs to State Bank of India and used by SBI General

Insurance Company Limited under license | IRDAI Reg No: 144 |UIN: IRDAN144RP0002V02201617

Simple Home Insurance– Policy Wordings 27

in case of an Emergency, necessitating the Insured Person’s admission to the

Hospital. The necessity of use of an Ambulance must be certified by the treating

Medical Practitioner.

b. Reasonable and Customary expenses shall include:

i. Costs towards transferring the Insured Person from one Hospital to another

Hospital or diagnostic centre for advanced diagnostic treatment where such

facility is not available at the existing Hospital; or

ii. When the Insured Person requires to be moved to a better Hospital facility

due to lack of super speciality treatment in the existing Hospital.

B. Position after Claim:

i. In case a claim is accepted under section A.1 and/ or 2 then per person benefit under

this policy automatically terminates with respect to that particular person.

ii. In case a claim is accepted and paid under section A.3, this Benefit under this Policy

shall continue, subject to availability of the Sum Insured.

C. Cumulative bonus:

If no claim has been made under the policy with us and the policy is renewed with us and

without any break, we will allow a cumulative bonus to the renewal policy upon receipt of

premium automatically by increasing the Sum Insured by 5% per year. The maximum

cumulative bonus shall not exceed 50% of the Section Sum Insured in any policy year. In

case of a claim, the Cumulative Bonus if any under the policy will get reduced by 5% per year

at the time of renewal. This cumulative bonus is applicable only to Accidental Death,

Permanent Partial Disability and Permanent Total disability benefits.

The cumulative bonus will not be lost if the policy is renewed either within the expiry date of

the policy or within 30 days from the date of expiry of the policy subject to expiring policy

having been issued by us.

D. What We NOT Cover

We shall not be liable to make any payment for any claim under the Personal Accident

Benefit Section in respect of any Insured Person, directly or indirectly for, caused by or

arising from or in any way attributable to any of the following:

1. Any Pre-existing Disease or Disability arising out of a Pre-existing Diseases or any

complication arising therefrom.

2. Any payment in case of more than one claim under the Policy during any one Policy

Period by which Our maximum liability in that period would exceed the Sum Insured

under the Section.

3. Suicide or attempted Suicide, intentional self-inflicted injury, acts of self-destruction

whether the Insured Person is medically sane or insane.

4. Mental illness or sickness or disease including a psychiatric condition, mental

disorders of or disturbances of consciousness, strokes, fits or convulsions which

affect the entire body and pathological disturbances caused by mental reaction to

the same.

5. Certification by a Medical Practitioner who shares the same residence as the Insured

SBI General Insurance Company Limited

SBI General Insurance Company Limited. Registered and Corporate Office: “Natraj” 301, Junction of Western Express Highway & Andheri

Kurla – Road, Andheri (East), Mumbai – 400 069|CIN: U66000MH2009PLC190546 | Toll free: 18001021111 |

[email protected] | www.sbigeneral.in | For more details on the risk factor, terms, and conditions, please refer to the Sales

Brochure and Policy Wordings carefully before concluding a sale| SBI Logo displayed belongs to State Bank of India and used by SBI General

Insurance Company Limited under license | IRDAI Reg No: 144 |UIN: IRDAN144RP0002V02201617

Simple Home Insurance– Policy Wordings 28

Person or who is a member of the Insured Person’s Family.

6. Death or disablement arising out of or attributable to foreign invasion, act of foreign

enemies, hostilities, warlike operations (whether war be declared or not or while

performing duties in the armed forces of any country during war or at peace time),

participation in any naval, military or air-force operation, civil war, public defence,

rebellion, revolution, insurrection, military or usurped power.

7. Death or disablement directly or indirectly caused by or associated with any venereal

disease, sexually transmitted disease

8. Congenital internal or external diseases, defects or anomalies or in consequence

thereof.

9. Bacterial infections (except pyogenic infection which occurs through a cut or wound

due to Accident).

10. Medical or surgical treatment except as necessary solely and directly as a result of

an Accident.

11. Death or disablement directly or indirectly caused due to or associated with human

T-call Lymph tropic virus type III (HTLV-III or IITLB-III) or Lymphadinopathy

Associated Virus (LAV) and its variants or mutants, Acquired Immune Deficiency

Syndrome (AIDS) whether or not arising out of HIV, AIDS related complex syndrome

(ARCS) and any injury caused by and/or related to HIV.

12. Any change of profession after inception of the Policy which results in the

enhancement of Our risk under the Policy, if not accepted and endorsed by Us.

13. Death or disablement arising or resulting from the Insured Person committing any

breach of law or participating in an actual or attempted felony, riot, crime,

misdemeanour or civil commotion with criminal intent.

14. Death or disablement arising from or caused due to use, abuse or a consequence

or influence of an abuse of any substance, intoxicant, drug, alcohol or hallucinogen.

15. Death or disablement resulting directly or indirectly, contributed or aggravated or

prolonged by childbirth or from pregnancy or a consequence thereof including

ectopic pregnancy unless specifically arising due to accident;

16. Death or disablement caused by participation of the Insured Person in any flying

activity, except as a bona fide fare-paying passenger of a recognized airline on

regular routes and on a scheduled timetable.

17. Insured Persons whilst engaging in a speed contest or racing of any kind (other than

on foot), bungee jumping, parasailing, ballooning, parachuting, skydiving,

paragliding, hang gliding, mountain or rock climbing necessitating the use of guides

or ropes, potholing, abseiling, deep sea diving using hard helmet and breathing

apparatus, polo, snow and ice sports in so far as they involve the training for or

participation in competitions or professional sports, or involving a naval, military or

air force operation and is specifically specified in the Policy Schedule.

18. Death or disablement caused by working in underground mines, tunnelling or

explosives, or involving electrical installation with high tension supply, or as jockeys

or circus personnel, or engaged in Hazardous Activities.

19. Death or disablement arising from or caused by ionizing radiation or contamination

by radioactivity from any nuclear fuel (explosive or hazardous form) or resulting from

or from any other cause or event contributing concurrently or in any other sequence

to the loss, claim or expense from any nuclear waste from the combustion of nuclear

fuel, nuclear, chemical or biological attack.

a) Chemical attack or weapons means the emission, discharge, dispersal, release

SBI General Insurance Company Limited

SBI General Insurance Company Limited. Registered and Corporate Office: “Natraj” 301, Junction of Western Express Highway & Andheri

Kurla – Road, Andheri (East), Mumbai – 400 069|CIN: U66000MH2009PLC190546 | Toll free: 18001021111 |

[email protected] | www.sbigeneral.in | For more details on the risk factor, terms, and conditions, please refer to the Sales

Brochure and Policy Wordings carefully before concluding a sale| SBI Logo displayed belongs to State Bank of India and used by SBI General

Insurance Company Limited under license | IRDAI Reg No: 144 |UIN: IRDAN144RP0002V02201617

Simple Home Insurance– Policy Wordings 29

or escape of any solid, liquid or gaseous chemical compound which, when

suitably distributed, is capable of causing any Illness, incapacitating disablement

or death.

b) Biological attack or weapons means the emission, discharge, dispersal, release

or escape of any pathogenic (disease producing) microorganisms and/or

biologically produced toxins (including genetically modified organisms and

chemically synthesized toxins) which are capable of causing any Illness,

incapacitating disablement or death.

20. Any physical, medical or mental condition or treatment or service that is specifically

excluded in the Policy Schedule.

Special Conditions applicable to this Section in addition to the General conditions.

1) Upon happening of any event which may give rise to a claim under this policy, written notice

with all particulars must be given by insured/ nominee to the Company immediately. In case of

death, written notice must be given immediately, unless reasonable cause is shown for such

delay and in any case, within 30 days after death. In the event of loss of sight or amputation of

limbs, written notice thereof must also be given immediately but not later than 30 days after

such loss of sight or amputation.

2) Deviation from this will be accepted by the Company only upon being shown reasonable cause

of the delay and to the satisfaction of the Company

3) Proof satisfactory to the Company shall be furnished of all matters upon which a claim is based.

Any Medical or authorised representative of the Company shall be allowed to examine the

Insured Person on the occasion of any alleged injury or disablement when and so often as the

same may reasonably be required on behalf of the Company.

4) Such evidence as the Company may require from time to time shall be furnished including the

post-mortem report, if conducted within 14 days after demand in writing.

5) Requirement of all or any of the following indicative documents will depend on the nature of

claim:

a. Claim form duly signed

b. Policy copy

c. Claim Intimation

d. FIR / MLC Copy /Spot Panchnama / Inquest Panchnama

e. Death Certificate

f. Post Mortem Report (If conducted)

g. Final Police Report

h. Affidavit from the legal heirs of the deceased (in case nomination has not been filed by

deceased)

i. Investigation reports

SBI General Insurance Company Limited

SBI General Insurance Company Limited. Registered and Corporate Office: “Natraj” 301, Junction of Western Express Highway & Andheri

Kurla – Road, Andheri (East), Mumbai – 400 069|CIN: U66000MH2009PLC190546 | Toll free: 18001021111 |

[email protected] | www.sbigeneral.in | For more details on the risk factor, terms, and conditions, please refer to the Sales

Brochure and Policy Wordings carefully before concluding a sale| SBI Logo displayed belongs to State Bank of India and used by SBI General

Insurance Company Limited under license | IRDAI Reg No: 144 |UIN: IRDAN144RP0002V02201617

Simple Home Insurance– Policy Wordings 30

j. Medical certificate

k. Disability Certificate

l. Photograph of the injured with reflecting disablement

m. Discharge card

n. Receipt of ambulance usage

6) Penal Interest Provision: -- Upon acceptance of an offer of settlement by the insured, the

payment of the amount due shall be made within 30 days from the date of acceptance of the

offer by the insured. In the cases of delay in the payment, the insurer shall be liable to pay

interest at a rate which is 2% above the bank rate prevalent at the beginning of the financial

year in which the claim is reviewed by it.

7) Nomination and Assignment:- This Policy is not assignable and no person(s) other than Insured

or Insured’s nominee(s) as mentioned in the schedule or legal representatives, wherever is

applicable, can claim or sue the Insurer under this policy.

The payment by the Insurer to the Insured, his/ her nominee or legal representative of any

compensation or benefit under the policy shall in all cases be an effectual discharge to the

Insurer.

SECTION 8 – LOSS OF CASH WHILST IN TRANSIT

A. What We Cover

We will indemnify You and/or Your Family for actual loss of money in coins and/or currency

notes up to the Section Sum Insured by, Robbery, hold up or Theft within 6 hours of

withdrawal of money from a Bank (including ATM centers) at which You maintain an

account, while such money is in Your possession.

B. What We NOT Cover

We will not make payment to You and Your Family under this Section:

a. If You and Your Family have withdrawn money in coins and/or currency notes more

than once in a day.

b. If You and Your Family do not provide Us and the police with an immediate notice of

the loss and send to Us a copy of the First Information and/or final report.

c. Unless You and Your Family are able to establish to Our reasonable satisfaction that

a loss of the amount stated has occurred with documentary proof.

d. For more than Rs 25,000 in respect of a single withdrawal.

e. For more than Rs 50,000 during Period of Insurance.

f. For the first Rs 500 in respect of each and every claim.

Note: Single withdrawal limit shall be 50% of the Section Sum Insured.

SECTION 9 – ALL RISK COVER- PORTABLE EQUIPMENTS, JEWELLERY & VALUABLES

A. What We Cover

We will indemnify You and/or Your Family against the loss of, destruction of, or damage to

SBI General Insurance Company Limited

SBI General Insurance Company Limited. Registered and Corporate Office: “Natraj” 301, Junction of Western Express Highway & Andheri

Kurla – Road, Andheri (East), Mumbai – 400 069|CIN: U66000MH2009PLC190546 | Toll free: 18001021111 |

[email protected] | www.sbigeneral.in | For more details on the risk factor, terms, and conditions, please refer to the Sales

Brochure and Policy Wordings carefully before concluding a sale| SBI Logo displayed belongs to State Bank of India and used by SBI General

Insurance Company Limited under license | IRDAI Reg No: 144 |UIN: IRDAN144RP0002V02201617

Simple Home Insurance– Policy Wordings 31

a. Portable equipments anywhere in the world due to any unforeseen and sudden physical

loss (except a cause mentioned in section “What we will not cover”), provided that it is

in Your personal custody provided that Our liability in respect of any one item of such

property in any one Period of Insurance will not individually or in aggregate exceed the

sub limit of the Sum Insured set against such item in the Schedule.

b. You and/or Your Family’s Jewellery and Valuables anywhere in the world due to

Accident and/or misfortune, based upon the actual Replacement Cost of such Jewellery

and Valuables not exceeding Section Sum Insured.

c. Newly purchased Jewellery and Valuables i.e. purchased after commencement of the

Policy subject to maximum payment of 10% of Section Sum Insured or Rs 100,000

whichever is less duly supported by original purchase invoice/bill.

B. What We NOT Cover

We will not make any payment under this Section for:

1. Deductible:

a. 5% of the claim amount subject to a minimum of Rs 2500 for each and every claim

in respect of Jewellery & Valuables

b. 5% of claim amount subject to a minimum of Rs 1000 for each and every claim in

respect of portable equipment’s.

2. Loss of Damage to the property by or due to or arising from

a. Defective workmanship material or design, wear and tear depreciation, rats,

insects, mildew, Fungi, moth, vermin, process of cleaning, washing, repairing,

restoring or renovating the action of light or atmospheric condition or any other

gradually operating cause.

b. Manufacturing defects for which the manufacturer is responsible.

c. Mechanical and/or electrical breakdown and/or derangement, overloading or

strain, overrunning excessive pressures, short circuiting and/or self heating or over

winding.

d. Improper handling, dismantling, fitting adjustment, repair alteration or modification

not approved by the makers/ manufacturers and/or the agents of

maker/manufacturers or use of such property contrary to the directives of the

makers/manufacturers and/or this agents.

e. Scratching and/or denting and/or cracking.

f. Loss or Damage due to cracking, scratching or breakage of lens or glass, whether

part of any equipment or otherwise, or to china marble, gramophone, records and

other articles of a brittle or fragile nature unless such loss or Damage arises from

an Accident involving the mode by which such item is being covered.

3. Consequential loss of whatsoever nature.

SBI General Insurance Company Limited

SBI General Insurance Company Limited. Registered and Corporate Office: “Natraj” 301, Junction of Western Express Highway & Andheri

Kurla – Road, Andheri (East), Mumbai – 400 069|CIN: U66000MH2009PLC190546 | Toll free: 18001021111 |

[email protected] | www.sbigeneral.in | For more details on the risk factor, terms, and conditions, please refer to the Sales

Brochure and Policy Wordings carefully before concluding a sale| SBI Logo displayed belongs to State Bank of India and used by SBI General

Insurance Company Limited under license | IRDAI Reg No: 144 |UIN: IRDAN144RP0002V02201617

Simple Home Insurance– Policy Wordings 32

4. Loss or Damage arising from detention, confiscation, destruction or requisition by or

under the order of any government of public or local authority.

5. Penalties of delay or detention or in connection with guarantees of performance or

efficiency.

6. Theft, loss or Damage during the hire or loan of the instrument to a third party.

7. Unexplained/ Mysterious disappearance.

8. Loss or Damage to any unattended item/equipment of the property insured as

described in the Schedule.

9. Loss or Damage due to Theft or attempted Theft by an Employee of Yours or loss or

Damage occasioned through the willful act of You and/or Your family or any Employee

or the willful act of any other person with a connivance of You and/or Your Family or

any Employee.

10. Loss or Damage directly or indirectly, occasioned by or happening through or in

consequence of volcanic eruption or other similar convulsion of nature and atmospheric

disturbance.

11. Loss or Damage directly or indirectly, proximately or remotely occasioned by or

contributed to or traceable to or happening through in consequence of war, invasion,

act of foreign enemy, hostilities or war like operations (whether war declared or not),

civil war, civil commotion, mutiny, rebellion, revolution, insurrection, conspiracy, military

or usurped power.

12. Loss or Damage directly or indirectly caused by or contributed to by or arising from

ionizing radiations contamination by radio activity from any nuclear fuel or from any

nuclear waste from the combustion of nuclear from any nuclear waste from the

combustion of nuclear fuel or from any nuclear weapons material. For the purpose of

this exclusion, combustion shall include any self-sustaining process of nuclear fission.

13. Any loss or Damage to the property insured or to the general public and/or legal liability

arising out of immoral or unethical use of the property insured.

14. Electromagnetic field exclusion: The Policy does not apply to or has no liability

hereunder to You in respect of personal injury, Bodily Injury, or illness of a person, loss

or Damage to property or advertising liability arising out of exposure to any electric,

magnetic and/or electromagnetic field of any frequency, whether the same be caused

or allegedly caused by the insured’s power lines or otherwise.

15. Terrorism damage exclusion warranty: This Policy excludes loss, Damage, cost or

expenses of whatsoever nature directly or indirectly caused by, resulting from or in

connection with any act of terrorism regardless of any other cause or event contributing

concurrently or in any other sequence to the loss. For the purpose of this exclusion, an

act of terrorism means an act or series of acts, including but not limited to the use of

SBI General Insurance Company Limited

SBI General Insurance Company Limited. Registered and Corporate Office: “Natraj” 301, Junction of Western Express Highway & Andheri

Kurla – Road, Andheri (East), Mumbai – 400 069|CIN: U66000MH2009PLC190546 | Toll free: 18001021111 |

[email protected] | www.sbigeneral.in | For more details on the risk factor, terms, and conditions, please refer to the Sales

Brochure and Policy Wordings carefully before concluding a sale| SBI Logo displayed belongs to State Bank of India and used by SBI General

Insurance Company Limited under license | IRDAI Reg No: 144 |UIN: IRDAN144RP0002V02201617

Simple Home Insurance– Policy Wordings 33

force or violence and/or the threat thereof, of any person or group(s) of persons,

whether acting alone or behalf of or in connection with any organization(s) or

government(s), or Unlawful Activities (Prevention) Amendment Act 2008 or any other

related and applicable national or state legislation formulated to combat unlawful and

terrorist activities in the nation for the time being in force, committed for political,

religious, ideological or similar purposes including the intension to influence any

government and/or to put the public or any section of the public in fear for such

purposes. This exclusion also includes loss, Damage, cost or expenses of whatsoever

nature directly or indirectly caused by, resulting from or in connection with any action

taken in controlling, preventing, suppressing or in any way relating to the above.

16. Loss or Damage due to Theft from a car unless such Theft occurred by violent and

visible means from an enclosed Vehicle that has its windows closed and locks (and

other security devices, if any) properly applied.

17. Loss or Damage whilst the item is being conveyed by any carrier under the contract of

affreightment.

18. Loss or Damage to any item used mainly for Business or Business Purpose.

19. Loss or Damage occasioned to lottery or raffle tickets.

20. For more than the sole value of an item comprising part of a pair or set without reference

to any special value which such item may have had as a part of such pair or set, and

not more than a proportionate part of the value of the pair or set.

21. Damage whilst in custody of any person other than You, Your Family or Bank (where

You have kept Jewellery in locker).

22. Damage to musical instrument in respect of loss of tone and for replacement of strings,

drums, skins, reeds.

If You do not agree whether any of these exclusions apply to Your Claim, You agree to

accept the burden of proving that they do not apply.

Special Conditions applicable to this section in addition to the general conditions wherever

applicable

1) At all times during the Period of Insurance, the insurance cover will be maintained to the full

extent of the respective Sum Insured in consideration of which, upon the settlement of any loss

under this Policy, pro- rata premium for the unexpired period from the date of such loss to the expiry

of Policy Period for the amount of such loss shall be payable by You to Us. The additional premium

referred above shall be deducted from the net claim payable under the Policy. This continuous

cover to the full extent will be available not withstanding any previous loss for which We may have

paid hereunder and irrespective of the fact whether the additional premium as mentioned above

has been actually paid or not following such loss. The intention of this condition is to ensure

continuity of the cover to You subject only to Our rights for deduction from the claim amount, when

settled, of Pro- rata premium to be calculated from the date of loss till expiry of the policy.

SBI General Insurance Company Limited

SBI General Insurance Company Limited. Registered and Corporate Office: “Natraj” 301, Junction of Western Express Highway & Andheri

Kurla – Road, Andheri (East), Mumbai – 400 069|CIN: U66000MH2009PLC190546 | Toll free: 18001021111 |

[email protected] | www.sbigeneral.in | For more details on the risk factor, terms, and conditions, please refer to the Sales

Brochure and Policy Wordings carefully before concluding a sale| SBI Logo displayed belongs to State Bank of India and used by SBI General

Insurance Company Limited under license | IRDAI Reg No: 144 |UIN: IRDAN144RP0002V02201617

Simple Home Insurance– Policy Wordings 34

Notwithstanding what is stated above, the Sum Insured shall stands reduced by the amount of loss

in case You immediately on occurrence of the loss exercise Your option not to reinstate the Sum

Insured as above.

2) Loss or Damage to Your Property (Applicable to Portable equipments) shall be settled at the

Market Value, after charging the depreciation applicable as per below table

Depreciation applicable for any instrument/component

Age of the instrument/component Depreciation %

Up to 6 months 10%

Up to 1 Year 20%

Up to 2 Years 40%

Up to 3 Years 50%

Up to 4 Years 60%

Up to 5 Years 70%

Exceeding 5 Years 75%

4) In event of loss of or Damage to the property or any components thereon necessitating the

supply of components not obtainable form the stocks held in this country or in the event of Us

exercising the option to pay in cash the amount of the loss or Damage, Our liability in respect of

any such component shall be limited to:

a) The price quoted in the latest catalogue or price list issued by makers or their agents in this

country, Or

b) If no such catalogue or price list exists, the price list obtained at the makers works PLUS

the reasonable cost of transport otherwise than by air to this country and the amount of the

relative import duty PLUS the reasonable cost of fitting such parts.

First Loss Basis: (Applicable if it is shown on Your Schedule)

Option 1: (when total value of Contents is not declared)

Conditions applicable to Sections other than Section I 2) e) i) 3) g) shall not apply to this benefit.

Option 2: (where total value of Contents is declared)

First Loss limit (expressed as % of the total value of Contents declared for insurance) will be as

specified in the Schedule and shall deemed as Section Sum Insured.

SBI General Insurance Company Limited

SBI General Insurance Company Limited. Registered and Corporate Office: “Natraj” 301, Junction of Western Express Highway & Andheri

Kurla – Road, Andheri (East), Mumbai – 400 069|CIN: U66000MH2009PLC190546 | Toll free: 18001021111 |

[email protected] | www.sbigeneral.in | For more details on the risk factor, terms, and conditions, please refer to the Sales

Brochure and Policy Wordings carefully before concluding a sale| SBI Logo displayed belongs to State Bank of India and used by SBI General

Insurance Company Limited under license | IRDAI Reg No: 144 |UIN: IRDAN144RP0002V02201617

Simple Home Insurance– Policy Wordings 35

Conditions applicable to Sections other than Section I 2) e) i) 3) g) shall not apply to this benefit

and “Condition of Partial Average” as below shall apply.

Condition of Partial Average

It is hereby declared and agreed that this Policy is issued as the First Loss Insurance up to % of

the Insured’s total value of Contents (100%) as limit in the Schedule attached and forming part of

the Policy.

It is further declared and agreed in the event of total value of Contents at risk at the time of loss be

greater by more than 15% of the total value declared for the purpose of this insurance and

incorporated in the Schedule, the Insured shall be considered as being his own insurer, for the

difference, and shall bear ratable share of the loss accordingly. Every item, if more than one, of the

Policy, shall be separately subject to this condition.

Subject otherwise to terms, conditions and exceptions of the Policy.

SECTION 10 – KEY REPLACEMENT

A. What We Cover

Key Replacement- We will reimburse You for the cost of replacing Your Home and/or Your

Vehicle keys which are Lost or stolen. The covered cost is limited to the money You paid to

a locksmith to produce a new key.

Break- in Protection- We will reimburse You for the cost of replacing Your locks & keys if

Your Home or Your Vehicle is broken in to. The covered costs include the labour cost for

replacing the lock.

Lock out Reimbursement- We will reimburse You for the cost of obtaining keys from a

locksmith if You are locked out of Your Home or Your Vehicle due to loss or Theft of Your

keys.

B. What We NOT Cover

We will not pay for:

a. Costs other than those listed in the “What We Cover” section

b. Cost associated with Lost or Stolen keys for a Home other than Your primary Home.

c. The cost to replace keys to Vehicles that You do not own for personal use.

C. Special Condition

For Break in protection claims, You must provide an official police report that indicates the

incident happened within the covered time frame in order for Us to pay the claim unless

You are legally incapable of doing so.

SBI General Insurance Company Limited

SBI General Insurance Company Limited. Registered and Corporate Office: “Natraj” 301, Junction of Western Express Highway & Andheri

Kurla – Road, Andheri (East), Mumbai – 400 069|CIN: U66000MH2009PLC190546 | Toll free: 18001021111 |

[email protected] | www.sbigeneral.in | For more details on the risk factor, terms, and conditions, please refer to the Sales

Brochure and Policy Wordings carefully before concluding a sale| SBI Logo displayed belongs to State Bank of India and used by SBI General

Insurance Company Limited under license | IRDAI Reg No: 144 |UIN: IRDAN144RP0002V02201617

Simple Home Insurance– Policy Wordings 36

Excess of other Insurance Coverage (Applicable to Section- Key Replacement cover)

Coverage provided by this Policy are EXCESS, this means that if, at the time of occurrence,

You have other valid and collectible insurance- such as but not limited to motor insurance-

this Policy will only cover the amount not covered by such other insurance, up to the limit

of specific coverage. If the event is covered by more than one of the Policy coverage, We

will only pay the amount from the coverage under which You first filed the claim.

Duties after an Accident or Loss

In the event of a covered loss

a) You shall call Us at 1800 22 1111 or 1800 102 1111 or provide written intimation

within 24 hrs of discovering the loss to make a claim and obtain the proper forms

and instructions.

b) You may file a police report within 24 hrs of discovering a covered incident

c) You shall fit out and return any claims forms and accompanying documents

including police report (where necessary) , receipts for replacing locks and/or keys,

and any other documents We may ask You to provide.

The claim form and accompanying documents must be returned to Us within 3 days of making the

original claim.

Clause G. Exclusions (What We do not cover) for all covers under this policy

We do not cover losses and expenses for any loss or damage or destruction of the Insured Property

that is directly or indirectly as a result of or is caused by or arising from events, stated below:

1. Your deliberate, wilful or intentional act or ommission, or of anyone on Your behalf, or with

Your connivance.

2. War, invasion, act of foreign enemy hostilities or war-like operations (whether war is declared

or not), civil war, mutiny, civil commotion amounting to a popular rising, military rising, rebellion,

revolution, insurrection or military or usurped power.

3. Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear

waste from combustion of nuclear fuel, or the radioactive, toxic, explosive or other hazardous

properties of any explosive nuclear assembly or nuclear component that is part of it.

4. Pollution or contamination, unless

a. the pollution or contamination itself has resulted from an Insured Event,

b. an Insured Event itself results from pollution or contamination.

Clause H. Conditions

The below conditions are applicable to all sections:

SBI General Insurance Company Limited

SBI General Insurance Company Limited. Registered and Corporate Office: “Natraj” 301, Junction of Western Express Highway & Andheri

Kurla – Road, Andheri (East), Mumbai – 400 069|CIN: U66000MH2009PLC190546 | Toll free: 18001021111 |

[email protected] | www.sbigeneral.in | For more details on the risk factor, terms, and conditions, please refer to the Sales

Brochure and Policy Wordings carefully before concluding a sale| SBI Logo displayed belongs to State Bank of India and used by SBI General

Insurance Company Limited under license | IRDAI Reg No: 144 |UIN: IRDAN144RP0002V02201617

Simple Home Insurance– Policy Wordings 37

I. Your Obligations

1. Make true and full disclosure in the proposal and related documents

a. You have a duty of disclosure to tell Us everything You know, or could reasonably be

expected to know, that is relevant to Us for deciding whether to give You insurance cover

and on what terms. You owe this duty to disclose such relevant material information even

if We have not specifically asked for it. This duty extends to any information or declaration

given by anyone else on Your behalf.

b. We have agreed to give You insurance cover entirely on the basis of the information You,

or anyone on Your behalf, have given Us in the proposal, statements and other declarations

and documents (in writing or electronic) about Yourself, Your family, Your Home Building

and Home Contents. The correct and complete information You give is the basis of Our

contract with You. Our promise to pay is conditional upon the truth of these statements and

on the assumption that You, or anyone on Your behalf, has not withheld any material

information about Yourself, Your family, Your Home Building and Home Contents.

2. Obligation to take care: You must:

a. keep Your Home Building and Home Contents in good condition and well maintained, You

must ensure that the structure of Your Home Building does not have any faults or defects

that are visible and material that will aggravate loss or damage to the Home Building in the

event an insured peril occurs.

b. take care to prevent theft, loss or damage to Your Home Building and Home

Contents, and

c. ensure that unauthorized persons do not occupy Your Home Building.

3. Inform change in circumstances: You must inform Us immediately if,

a. You change Your address,

b. You make any addition, alteration, extension to the structure of Your Home.

Building,

c. You let out Your Home Building, or Your Home Building will no longer be solely occupied

by You,

d. You change the use of Your Home Building.

4. Allow inspection and investigation of claim: You must allow and give full cooperation to the

survey/investigation of Your claim by Us. You must allow Us, and any surveyor, officer or other

representative that We authorise, to inspect Your Home Building and Home Contents including

the interior wherever necessary, take photographs and where required, permit the scientific

SBI General Insurance Company Limited

SBI General Insurance Company Limited. Registered and Corporate Office: “Natraj” 301, Junction of Western Express Highway & Andheri

Kurla – Road, Andheri (East), Mumbai – 400 069|CIN: U66000MH2009PLC190546 | Toll free: 18001021111 |

[email protected] | www.sbigeneral.in | For more details on the risk factor, terms, and conditions, please refer to the Sales

Brochure and Policy Wordings carefully before concluding a sale| SBI Logo displayed belongs to State Bank of India and used by SBI General

Insurance Company Limited under license | IRDAI Reg No: 144 |UIN: IRDAN144RP0002V02201617

Simple Home Insurance– Policy Wordings 38

testing and investigation of any insured article affected by the insured peril. You must answer

all questions asked regarding Your claim truthfully and completely and submit all relevant

documents that We will require.

5. Make true statements and full disclosure in the claim and related documents: You must

also give true and full information in Your claim and submit true documents. If You give any

false information or document in the claim, or if You withhold any information or document

(written or electronic), We have a right to refuse payment of Your claim. We may also cancel

Your policy.

II. Renewal of Policy

1. End of Policy: This Policy will expire at the end of the Policy Period.

2. Renewal is not automatic: We may seek relevant information from You for the purpose of

renewal. We can reject Your renewal only on grounds of misrepresentation, non-disclosure of

material facts, fraud or non-co-operation on Your part.

3. Application for renewal: If You wish to renew the Policy, You must apply for renewal before

the end of the Policy Period and pay the required premium amount.

Renewal Process (Applicable to Personal Accident Section):

The Company is not bound to accept any renewal premium or give notice that renewal is due.

Under normal circumstances, renewal will not be refused except on the grounds of moral hazard,

misrepresentation, or fraud of the Insured.

The renewal premium shall be as per the rates approved by IRDA on the date of renewal of this

product. A grace period of 30 days is allowed for renewal of Personal Accident Section of this

Policy. This will be counted from the day immediately following the premium due date during which

a payment can be made to renew or continue this policy in force without loss of continuity benefits

such as cumulative bonus. The continuity of coverage for all the covers under the expiring Policy

will be subject to receiving appropriate premium for the same. Coverage is not available for the

period for which no premium is received, and Insurer has no liability for the claims arising during

this period.

III. Cancellation and Termination of Policy

1. Cancellation by You at any Time

a. You can cancel this Policy at any time by giving Us notice in writing. The Policy will terminate

when We receive Your notice.

b. If You cancel the policy, We will refund premium as follows:

SBI General Insurance Company Limited

SBI General Insurance Company Limited. Registered and Corporate Office: “Natraj” 301, Junction of Western Express Highway & Andheri

Kurla – Road, Andheri (East), Mumbai – 400 069|CIN: U66000MH2009PLC190546 | Toll free: 18001021111 |

[email protected] | www.sbigeneral.in | For more details on the risk factor, terms, and conditions, please refer to the Sales

Brochure and Policy Wordings carefully before concluding a sale| SBI Logo displayed belongs to State Bank of India and used by SBI General

Insurance Company Limited under license | IRDAI Reg No: 144 |UIN: IRDAN144RP0002V02201617

Simple Home Insurance– Policy Wordings 39

Time for which Policy in force Refund of premium

Up to one month 75% of annual rate

Up to three months 50%of annual rate

Up to six months 25% of annual rate

Exceeding six months NIL

 Above table will be followed for the Annual policies.

 For Policy tenure more than one year, premium refund shall be proportionate for the un-

expired policy years after grossing up the premium paid by you towards long term discount

if any.

2. Cancellation by Us:

a. We will not cancel the Policy during the policy period except on the grounds of mis

representation, non-disclosure of material facts, fraud, or non-cooperation on Your part.

b. In case of Total Loss of Your Home Building in a long term policy where You have decided

not to reinstate Your Home Building in favour of a cash settlement of Your claim, We will

cancel the policy for the remaining duration of the policy period. In such a case We shall

refund the proportionate premium for the un-expired policy years after grossing up the

premium paid by You towards long term discount, if any.

3. Automatic termination of the Policy

This Policy will automatically end in the following cases:

a. Destruction of Your Home Building: This Policy will automatically end 7 (seven) days

after Your Home Building collapses or is destroyed by reason other than any Insured Event.

If a separable part of Your Home Building, or any additional structure falls down or is

destroyed by reason other than any Insured Event, the covers will end for such part or

additional structure.

You can apply within 7 (seven) days of such fall or destruction for continuing insurance

cover. We may agree, but will not be bound, to continue the cover on the same rates, terms

and conditions.

b. Exhaustion of Sum Insured: If Your Home Building, or any additional structure, or any

item of Home Contents, is lost, destroyed or stolen, or is a Total Loss, and We pay You the

full Sum Insured for such item, the insurance cover for that item will automatically end

unless the subject matter of insurance is reconstructed and the Sum Insured is reinstated

by paying additional premium. If We pay the total Sum Insured for any claim, this Policy will

end.

SBI General Insurance Company Limited

SBI General Insurance Company Limited. Registered and Corporate Office: “Natraj” 301, Junction of Western Express Highway & Andheri

Kurla – Road, Andheri (East), Mumbai – 400 069|CIN: U66000MH2009PLC190546 | Toll free: 18001021111 |

[email protected] | www.sbigeneral.in | For more details on the risk factor, terms, and conditions, please refer to the Sales

Brochure and Policy Wordings carefully before concluding a sale| SBI Logo displayed belongs to State Bank of India and used by SBI General

Insurance Company Limited under license | IRDAI Reg No: 144 |UIN: IRDAN144RP0002V02201617

Simple Home Insurance– Policy Wordings 40

c. Change of use of Your Home Building or Home Contents: The Policy will end

i. if You change the use of Your Home Building from personal residence to any other

purpose, or

ii. if You use any item of Home Contents for use that is not personal.

d. Sale of Your Home Building or Home Contents: This Policy will end when You sell,

surrender or release Your interest in Your Home Building and/or Home Contents, or Your

interest in the Home Building and/or Home Contents comes to an end. The Policy will end

to the extent any additional structure of Your Home Building or item of Home Contents if

You sell, surrender or release Your interest in such additional structure or item of Home

Content, or Your interest in these ends.

e. Effect of death

In the event of the unfortunate death of the Insured during the Policy Period, the Home

Building Cover and the Home Contents Cover that You have purchased will continue for

the benefit of Your legal representative/s during the Policy Period subject to all the terms

and conditions of this Policy.

IV. Claims Procedure

If You suffer a loss because of an Insured Event, You must make a claim for Your financial

loss at Your cost. The procedure for making a claim is given below. These include things that

You must do, and that You must not do. It is important to comply with these to ensure that it

does not prejudice Your claim in any manner.

1. Immediate notice to Us

a. As soon as any physical loss or damage occurs to Your Home Building or Home Contents

due to an Insured Event, You must immediately give notice to Us of the loss or damage.

This is necessary for Us to survey/ investigate the loss or damage, as may be required.

b. You can give notice to any of Our offices or call-centres.

c. You must state in this notice

i. the Policy Number,

ii. Your name,

iii. details of report to the police that You made,

iv. details of report to any Authority that You made,

v. details of the Insured Event,

vi. a brief statement of the loss,

vii. particulars of any other insurance of Your Home Building or any of Your Home

Contents,

viii. details of loss or damage under any Optional Cover or Add-ons,

ix. Submit photographs of loss or physical damage, wherever possible.

SBI General Insurance Company Limited

SBI General Insurance Company Limited. Registered and Corporate Office: “Natraj” 301, Junction of Western Express Highway & Andheri

Kurla – Road, Andheri (East), Mumbai – 400 069|CIN: U66000MH2009PLC190546 | Toll free: 18001021111 |

[email protected] | www.sbigeneral.in | For more details on the risk factor, terms, and conditions, please refer to the Sales

Brochure and Policy Wordings carefully before concluding a sale| SBI Logo displayed belongs to State Bank of India and used by SBI General

Insurance Company Limited under license | IRDAI Reg No: 144 |UIN: IRDAN144RP0002V02201617

Simple Home Insurance– Policy Wordings 41

2. Steps to prevent loss and damage:

a. You must take all reasonable steps to prevent further loss or damage to Your Home Building

and Home Contents.

b. Until We have inspected Your Home Building and Home Contents, and have given Our

consent,

i. You must not sell, give away or dispose of any damaged items of any property for

which You are making a claim;

ii. You must not wash or clean, or remove any damaged item or debris, except for any

urgent necessity;

iii. You must not carry out repairs, unless such repairs are urgent and You cannot contact

Us.

3. Immediate notice to Authorities

a. As soon as any loss or damage occurs to the Insured Property, You must give immediate

report to appropriate legal authorities. For example, You must report to the fire brigade of

the local authority and the police if there is damage by fire/ explosion / implosion or lightning.

In case of subsidence /landslide/rockslide, You must inform the District Administration. In

the event of impact damage of any kind or Riot Strikes, Malicious damages and acts of

terrorism, You must inform the police. If there is a theft within 7 (seven) days following an

Insured Event You must inform the police.

b. We may, but not necessarily, waive this condition if We are satisfied that by reason of

extreme hardship it was not possible for You or any other person on Your behalf to give

such report.

4. Submit claim:

a. Claim form:

i. You must submit Your claim in Our claim form at the earliest opportunity, but within 30 days

from the date You first notice the loss or damage. The claim form is available in any of Our

branches, and on Our web-site.

ii. You must state in Your claim the details of any other insurance policy that covers the

damage or loss for which You have filed Your claim, whether You have purchased such

other insurance, or someone else has purchased it for You.

b. We shall not be liable for any loss or damage after the expiry of 12 months from the

happening of the loss or damage unless the claim is the subject of pending action or

arbitration. If We disclaim liability for a claim You have made and if the claim is not made a

subject matter of a suit in a court of law within a period of 12 months from the date of

disclaimer, the claim shall not be recoverable hereunder.

SBI General Insurance Company Limited

SBI General Insurance Company Limited. Registered and Corporate Office: “Natraj” 301, Junction of Western Express Highway & Andheri

Kurla – Road, Andheri (East), Mumbai – 400 069|CIN: U66000MH2009PLC190546 | Toll free: 18001021111 |

[email protected] | www.sbigeneral.in | For more details on the risk factor, terms, and conditions, please refer to the Sales

Brochure and Policy Wordings carefully before concluding a sale| SBI Logo displayed belongs to State Bank of India and used by SBI General

Insurance Company Limited under license | IRDAI Reg No: 144 |UIN: IRDAN144RP0002V02201617

Simple Home Insurance– Policy Wordings 42

5. Establish loss

a. You must prove that the Insured Event has occurred, and the extent of physical loss or

damage You have suffered with full details.

b. When We request,

i. You must support Your claim for Home Building and/or Home Contents with plans,

specification books, vouchers, invoices pertaining to costs incurred by You for

reconstruction/replacement/repairs.

ii. You must allow Us, Our officers, surveyors or representatives to inspect the loss or

damage to Your Home Building and/or Home Contents, and to take measurements,

samples, damaged items or parts, and photographs that are relevant.

iii. You must give Us authority to see the relevant records and get information about

the Event and Your loss from the police or any other authority.

c. For Optional Cover of Personal Accident, Death Certificate and Post-mortem report

(wherever necessary) shall be submitted.

6. Fraudulent claim

If You, or anyone on Your behalf, make a false or fraudulent claim, or support a claim with any

false or fraudulent statement or documents:

i. We will not pay,

ii. We can cancel the Policy: in such a case, You will lose all benefits under this Policy

and premium that You have paid, and

iii. We can also inform the police, and start legal proceedings against You.

7. Other insurance

a. If You have any other policy with Us or any other Insurance Company (taken by You or by

anyone else for You) covering in whole or in part any claim that You have made under this

Policy, You have a right to ask for settlement of Your claim under any of these policies.

b. If You choose to claim under this Policy from Us, We will settle Your claim within the limits

and the terms and conditions of this Policy.

c. After We pay the amount under Your claim, We have the right to ask for contribution from

the Insurers that have given You the other policies.

d. We will ensure that Our actions do not impose any liability on You.

8. Recovery action by Us

a. When We accept and pay Your claim under the Policy, We can start legal proceedings to

recover the amount or property from the third party who has caused the loss or damage to

Your Home Building or Home Contents. You must give authority to Us to take such action

and exercise this right effectively, when We request You, whether before or after making

payment of Your claim. You must give all information, cooperation, assistance and help for

this purpose. You must not do anything which will prejudice Our right. We can do this

SBI General Insurance Company Limited

SBI General Insurance Company Limited. Registered and Corporate Office: “Natraj” 301, Junction of Western Express Highway & Andheri

Kurla – Road, Andheri (East), Mumbai – 400 069|CIN: U66000MH2009PLC190546 | Toll free: 18001021111 |

[email protected] | www.sbigeneral.in | For more details on the risk factor, terms, and conditions, please refer to the Sales

Brochure and Policy Wordings carefully before concluding a sale| SBI Logo displayed belongs to State Bank of India and used by SBI General

Insurance Company Limited under license | IRDAI Reg No: 144 |UIN: IRDAN144RP0002V02201617

Simple Home Insurance– Policy Wordings 43

a. without seeking Your consent,

b. in Your name, and

c. whether or not Your loss has been fully compensated.

b. Any amount We recover from such person will be applied first to the costs of the legal

proceedings and recovery, then to the claim amount We have paid or must pay to You. We

will pay You any balance.

c. You can start legal proceedings against any person who has caused the loss or damage

only with Our prior consent, and on conditions that We will impose. You must not

compromise or settle any claim against such person without Our consent. If You recover

any amount from such person, You must return to Us the amount We have paid for Your

claim. We can take over the conduct of legal proceedings that You have started and

continue the proceedings in Your name.

Conditions applicable to Sections other than Section I – Fire and Allied Perils

1. Adequacy of Sum Insured

a. Section: Burglary, Fire and Special Perils- Contents- the Replacement Cost or

Replacement Cost less depreciation, wear and tear and/ or allowance of betterment

if any.

b. Section: Baggage, Breakdown of Domestic Electrical and Electronic Appliances,

Plate Glass, All Risks Cover- Jewellery and Valuables- the Replacement Cost.

Section: All Risks Cover- Portable Equipment- Market Value of the items.

2. Basis of Loss Settlement

If You make a claim under this Policy which is accepted by Us the basis upon which We shall

calculate the payment due to You shall be as follows:

a. In the event of a Total Loss where cover is on a Replacement Value basis, We will pay You

the Replacement Cost less salvage value and the amount of the deductible but limited

nevertheless to the Section Sum Insured or the limit as stated in the Schedule. In case the

property is not replaced or reinstated then We will pay the amount of Damage after due

allowance for wear and tear and depreciation and the amount of the deductible but limited

nevertheless to the Section Sum Insured or the limit as stated in the Schedule.

b. In the event of a Total Loss where cover is on a Market Value basis, Our liability shall be

the Replacement Cost less an allowance for betterment, wear and tear and or depreciation

and the amount of the deductible or the value which can be realized from the market for

such insured item immediately before occurrence of loss less the amount of the deductible

whichever is less but limited nevertheless to the Section Sum Insured or the limit as stated

in the Schedule.

Depreciation Chart for Contents

Age of the Instrument/ Item Depreciation Percentage

SBI General Insurance Company Limited

SBI General Insurance Company Limited. Registered and Corporate Office: “Natraj” 301, Junction of Western Express Highway & Andheri

Kurla – Road, Andheri (East), Mumbai – 400 069|CIN: U66000MH2009PLC190546 | Toll free: 18001021111 |

[email protected] | www.sbigeneral.in | For more details on the risk factor, terms, and conditions, please refer to the Sales

Brochure and Policy Wordings carefully before concluding a sale| SBI Logo displayed belongs to State Bank of India and used by SBI General

Insurance Company Limited under license | IRDAI Reg No: 144 |UIN: IRDAN144RP0002V02201617

Simple Home Insurance– Policy Wordings 44

Up to 6 Months 10%

Up to 1 Year 20%

Up to 2 Years 40%

Up to 3 Years 50%

Up to 4 Years 60%

Up to 5 Years 70%

Above 5 Years 75%

c. In case of Damage (partial loss) to a covered item where cover is on a Replacement Value

basis: If it is reasonably capable of repair, reinstatement, renewal or refurbishment then Our

payment to You will reflect Your reasonable cost of restoring by such means the damaged

item to its condition immediately prior to the event that gave rise to the claim under this

Policy without any allowance for wear and tear and depreciation involving replacement of

parts except those with limited life, less salvage value of the replaced item/part and the

amount of the deductible but limited nevertheless to the Section Sum Insured or the limit as

stated in the Schedule.

d. In the event of Damage (Partial loss) to a covered item where coverage is sought on Market

Value basis, Our liability on covered item shall be your reasonable cost of restoring by such

means the damaged item to its condition immediately prior to the event that gave rise to the

claim under this Policy less allowance of wear & tear and depreciation involving

replacement of parts except those with limited life, less salvage value of the replaced item/

part but limited nevertheless to the Section Sum Insured.

Special Provisions:

a. We will only pay You in India and in Indian rupees subject to Your having established to Our

reasonable satisfaction that the replacement, reinstatement, repair, renewal or refurbishment

has been effected by You.

b. We shall not make any payment for the cost of any enhancements, alterations, additions

and/or improvements.

c. We shall not make any payment for more than 20% of the Section Sum Insured of Section

Section “Burglary & Theft” (if opted on 1

loss basis and item wise value not declared) in

respect of any one item unless specifically declared by You in Your proposal and accepted

by Us.

d. If the Section Sum Insured/ Sum Insured at the time of happening of any event that gives rise

to a claim under this Policy is less than 85% of the full value of the property, as provided for

SBI General Insurance Company Limited

SBI General Insurance Company Limited. Registered and Corporate Office: “Natraj” 301, Junction of Western Express Highway & Andheri

Kurla – Road, Andheri (East), Mumbai – 400 069|CIN: U66000MH2009PLC190546 | Toll free: 18001021111 |

[email protected] | www.sbigeneral.in | For more details on the risk factor, terms, and conditions, please refer to the Sales

Brochure and Policy Wordings carefully before concluding a sale| SBI Logo displayed belongs to State Bank of India and used by SBI General

Insurance Company Limited under license | IRDAI Reg No: 144 |UIN: IRDAN144RP0002V02201617

Simple Home Insurance– Policy Wordings 45

under General Condition 2, then the amount of any payment that We are obliged to make,

shall be reduced by a sum equal to a rateable proportion of the loss or Damage sustained.

Under no circumstances will Our liability to make payment exceed the Section Sum Insured

relating to the Section under which the claim has been preferred.

e. If You have any other insurance(s) that would cover a claim under this policy or would cover

that claim but for the existence of this policy, then Our payment to You will represent a

rateable proportion of any claim. (Not applicable for Section: Personal Accident, Key

replacement Cover)

f. Under no circumstances will our liability to make payment exceed the Section Sum Insured

under any particular Section per claim and in the aggregate.

3. Compliance with Terms and Conditions

You and/or Your Family and/or Your Domestic staff’s compliance with the terms and conditions of

this Policy, in so far as these require anything to be done by You and/or them, is a condition

precedent to Our liability. In the event of any breach, We may repudiate any liability for Your claim.

Your Special Rights and Duties

You shall represent all persons insured under this Policy as to:

a) The giving and receiving of any notice of cancellation.

b) The receipt of any endorsements to this Policy

c) The payment of premium and receipt of return premium

d) The acceptance of any other notices or communications under or in respect of this Policy.

Clause H. Changes to covers

a. You can choose to make changes to the covers of this Policy as may be permitted by Us,

or increase or reduce any Sum Insured. You must make a proposal or request for any

change. It will be effective only after We have accepted Your proposal, and You have paid

the additional premium, where applicable.

b. This Policy (including the Policy Schedule, the proposal, declarations and Endorsements)

consists of the entire contract between You and Us.

Clause I. Waiver of Underinsurance

Applicable to Section I

Underinsurance does not apply to the Simple Home Insurance Policy. Thus, if Your Sum Insured

calculated on the basis of the information that You provided, is less than the actual value at risk,

the difference will not affect the amount We pay.

SBI General Insurance Company Limited

SBI General Insurance Company Limited. Registered and Corporate Office: “Natraj” 301, Junction of Western Express Highway & Andheri

Kurla – Road, Andheri (East), Mumbai – 400 069|CIN: U66000MH2009PLC190546 | Toll free: 18001021111 |

[email protected] | www.sbigeneral.in | For more details on the risk factor, terms, and conditions, please refer to the Sales

Brochure and Policy Wordings carefully before concluding a sale| SBI Logo displayed belongs to State Bank of India and used by SBI General

Insurance Company Limited under license | IRDAI Reg No: 144 |UIN: IRDAN144RP0002V02201617

Simple Home Insurance– Policy Wordings 46

Clause J. Other Details

1. Notices

a. We will send any notice, letter, or communication in writing to You at Your address

mentioned in the Policy Schedule, and to Your email address that You have registered with

Us.

b. You will send any notice, letter, intimation, or communication in writing to Us at Our branch

office where You purchased this Policy. You can also send it at the address mentioned in

the Policy Schedule.

2. Nomination for this Policy

You can nominate a person to receive the claim amount under this Policy in the event of Your

death. You can make such nomination at the time You take the Policy, or later. You can also

change the nomination at any time. You can make the nomination on Our nomination form

available in Our office or from Our website www.sbigeneral.in

3. Applicable law and jurisdiction

This Policy will be subject to the laws of India, and to the jurisdiction of courts in India.

4. Arbitration

If any dispute or difference arises between You and Us regarding the amount of claim to be

paid under this policy (liability having been admitted by Us), such difference shall independently

of all other questions, be referred to the decision of a sole arbitrator to be appointed in writing

by You and Us or if You and We cannot agree upon a single arbitrator within 30 days of either

of Us opting for arbitration, the same shall be referred to a panel of three arbitrators comprising

of two arbitrators, one to be appointed by each of Us, to the dispute/difference and the third

arbitrator to be appointed by two such arbitrators and arbitration shall be conducted under and

in accordance with the provisions of the Arbitration and Conciliation Act, 1996.

Clause K. Grievances

If You have a grievance about any matter relating to the Policy, or Our decision on any matter, or

the claim, You can address Your grievance as follows:

1. Our Grievance Redressal Officer

You can send Your grievance in writing by post or email to Our Grievance Redressal Officer at the

following address:

Address including email: SBI General Insurance Company Ltd. "Natraj" 301, Junction of Western

Express Highway & Andheri Kurla - Road, Andheri (East) Mumbai - 400 069

For details of grievance officer, kindly refer the link https://www.sbigeneral.in/portal/grievance-

redressal

SBI General Insurance Company Limited

SBI General Insurance Company Limited. Registered and Corporate Office: “Natraj” 301, Junction of Western Express Highway & Andheri

Kurla – Road, Andheri (East), Mumbai – 400 069|CIN: U66000MH2009PLC190546 | Toll free: 18001021111 |

[email protected] | www.sbigeneral.in | For more details on the risk factor, terms, and conditions, please refer to the Sales

Brochure and Policy Wordings carefully before concluding a sale| SBI Logo displayed belongs to State Bank of India and used by SBI General

Insurance Company Limited under license | IRDAI Reg No: 144 |UIN: IRDAN144RP0002V02201617

Simple Home Insurance– Policy Wordings 47

Email ID : gro@sbigeneral.in

2. Consumer Affairs Department of IRDAI

a. In case it is not resolved within 15 days or if You are unhappy with the resolution You can

approach the Grievance Redressal Cell of the Consumer Affairs Department of IRDAI by

calling Toll Free Number 155255 (or) 1800 4254 732 or sending an e-mail to

[email protected].in. You can also make use of IRDAI's online portal - Integrated

Grievance Management System (IGMS) by registering Your complaint at igms.irda.gov.in.

b. You can send a letter to IRDAI with Your complaint on a Complaint Registration Form

available by clicking here. You must fill and send the Complaint Registration Form along

with any documents by post or courier to General Manager, Insurance Regulatory and

Development Authority of India (IRDAI), Consumer Affairs Department - Grievance

Redressal Cell, Sy.No.115/1, Financial District, Nanakramguda, Gachibowli,

Hyderabad500032.

c. You can visit the portal http://www.policyholder.gov.in for more details.

3. Insurance Ombudsman

You can approach the Insurance Ombudsman depending on the nature of grievance and

financial implication, if any. Information about Insurance Ombudsmen, their jurisdiction and

powers is available on the website of the Insurance Regulatory and Development Authority of

India (IRDAI) at www.irdai.gov.in, or of the General Insurance Council at

www.generalinsurancecouncil.org.in, the Consumer Education Website of the IRDAI at

http://www.policyholder.gov.in, or from any of Our Offices.

Clause L. Information about Us

Simple Home Insurance

Address: Registered and Corporate Office: “Natraj” 301, Junction of Western Express Highway

& Andheri Kurla – Road, Andheri (East), Mumbai – 400 069

Web: www.sbigeneral.in

E-mail: customer.care@sbigeneral.in

Customer Service: 1800-22-1111

SBI General Insurance Company Limited

SBI General Insurance Company Limited. Registered and Corporate Office: “Natraj” 301, Junction of Western Express Highway & Andheri

Kurla – Road, Andheri (East), Mumbai – 400 069|CIN: U66000MH2009PLC190546 | Toll free: 18001021111 |

[email protected] | www.sbigeneral.in | For more details on the risk factor, terms, and conditions, please refer to the Sales

Brochure and Policy Wordings carefully before concluding a sale| SBI Logo displayed belongs to State Bank of India and used by SBI General

Insurance Company Limited under license | IRDAI Reg No: 144 |UIN: IRDAN144RP0002V02201617

Simple Home Insurance– Policy Wordings 48

Annexure- A

The contact details of the Insurance Ombudsman offices are as below-

LIST OF OMBUDSMEN OFFICES

Office of Insurance the Ombudsman

Areas of Jurisdiction

AHMEDABAD - Shri Kuldip Singh

Office of the Insurance Ombudsman,

Jeevan Prakash Building, 6th floor,

Tilak Marg, Relief Road,

Ahmedabad – 380 001.

Tel.: 079 - 25501201/02/05/06

Email: bimalokpal.ahmedabad@ecoi.co.in

Gujarat, Dadra & Nagar Haveli,

Daman and Diu.

BENGALURU - Smt. Neerja Shah

Office of the Insurance Ombudsman,

Jeevan Soudha Building,PID No. 57-27-N-19

Ground Floor, 19/19, 24th Main Road,

JP Nagar, Ist Phase,

Bengaluru – 560 078.

Tel.: 080 - 26652048 / 26652049

Email: bimalokpal.bengal[email protected]

Karnataka.

BHOPAL - Shri Guru Saran Shrivastava

Office of the Insurance Ombudsman,

JanakVihar Complex, 2nd Floor,

6, Malviya Nagar, Opp. Airtel Office,

Near New Market,

Bhopal – 462 003.

Tel.: 0755 - 2769201 / 2769202

Fax: 0755 - 2769203

Email: bimalokpal.bhopal@ecoi.co.in

Madhya Pradesh, Chhattisgarh.

BHUBANESHWAR - Shri Suresh Chnadra

Panda Office of the Insurance Ombudsman,

62, Forest park,

Bhubneshwar – 751 009.

Tel.: 0674 - 2596461 /2596455

Fax: 0674 - 2596429

Email: bimalokpal.bhuba[email protected]

Orissa.

SBI General Insurance Company Limited

SBI General Insurance Company Limited. Registered and Corporate Office: “Natraj” 301, Junction of Western Express Highway & Andheri

Kurla – Road, Andheri (East), Mumbai – 400 069|CIN: U66000MH2009PLC190546 | Toll free: 18001021111 |

[email protected] | www.sbigeneral.in | For more details on the risk factor, terms, and conditions, please refer to the Sales

Brochure and Policy Wordings carefully before concluding a sale| SBI Logo displayed belongs to State Bank of India and used by SBI General

Insurance Company Limited under license | IRDAI Reg No: 144 |UIN: IRDAN144RP0002V02201617

Simple Home Insurance– Policy Wordings 49

CHANDIGARH - Dr. Dinesh Kumar Verma

Office of the Insurance Ombudsman,

S.C.O. No. 101, 102 & 103, 2nd Floor,

Batra Building, Sector 17 – D,

Chandigarh – 160 017.

Tel.: 0172 - 2706196 / 2706468

Fax: 0172 - 2708274

Email: bimalokpal.chandi[email protected]

Punjab,Haryana,

Himachal Pradesh,

Jammu & Kashmir,

Chandigarh.

CHENNAI - Shri M. Vasantha Krishna

Office of the Insurance Ombudsman,

Fatima Akhtar Court, 4th Floor, 453,

Anna Salai, Teynampet,

CHENNAI – 600 018.

Tel.: 044 - 24333668 / 24335284

Fax: 044 - 24333664

Email: bimalokpal.chenn[email protected]

Tamil Nadu,

Pondicherry Town and

Karaikal (which are part of UT of Pondicherry).

DELHI - Shri Sudhir Krishna

Office of the Insurance Ombudsman,

2/2 A, Universal Insurance Building,

Asaf Ali Road,

New Delhi – 110 002.

Tel.: 011 - 23232481/23213504

Email: bimalokpal.delh[email protected]

Delhi.

GUWAHATI - Shri Kiriti .B. Saha

Office of the Insurance Ombudsman,

Jeevan Nivesh, 5th Floor,

Nr. Panbazar over bridge, S.S. Road,

Guwahati – 781001(ASSAM).

Tel.: 0361 - 2632204 / 2602205

Email: bimalokpal.guwa[email protected]

Assam, Meghalaya,

Manipur, Mizoram,

Arunachal Pradesh,

Nagaland and Tripura.

HYDERABAD - Shri I. Suresh Babu

Office of the Insurance Ombudsman,

6-2-46, 1st floor, "Moin Court",

Lane Opp. Saleem Function Palace,

A. C. Guards, Lakdi-Ka-Pool,

Hyderabad - 500 004.

Tel.: 040 - 67504123 / 23312122

Fax: 040 - 23376599

Email: bimalokpal.hyderabad@ecoi.co.in

Andhra Pradesh,

Telangana,

Yanam and

part of Territory of UT of Pondicherry.

SBI General Insurance Company Limited

SBI General Insurance Company Limited. Registered and Corporate Office: “Natraj” 301, Junction of Western Express Highway & Andheri

Kurla – Road, Andheri (East), Mumbai – 400 069|CIN: U66000MH2009PLC190546 | Toll free: 18001021111 |

[email protected] | www.sbigeneral.in | For more details on the risk factor, terms, and conditions, please refer to the Sales

Brochure and Policy Wordings carefully before concluding a sale| SBI Logo displayed belongs to State Bank of India and used by SBI General

Insurance Company Limited under license | IRDAI Reg No: 144 |UIN: IRDAN144RP0002V02201617

Simple Home Insurance– Policy Wordings 50

JAIPUR - Smt. Sandhya Baliga

Office of the Insurance Ombudsman,

Jeevan Nidhi – II Bldg., Gr. Floor,

Bhawani Singh Marg,

Jaipur - 302 005.

Tel.: 0141 - 2740363

Email: Bimalokpal.jaiur@ecoi.co.in

Rajasthan.

ERNAKULAM - Ms. Poonam Bodra

Office of the Insurance Ombudsman,

2nd Floor, Pulinat Bldg.,

Opp. Cochin Shipyard, M. G. Road,

Ernakulam - 682 015.

Tel.: 0484 - 2358759 / 2359338

Fax: 0484 - 2359336

Email: bimalokpal.ernakulam@ecoi.co.in

Kerala, UT of (a) Lakshadweep, (b)

Mahe-a part of UT of Pondicherry.

KOLKATA - Shri P. K. Rath

Office of the Insurance Ombudsman,

Hindustan Bldg. Annexe, 4th Floor,

4, C.R. Avenue,

KOLKATA - 700 072.

Tel.: 033 - 22124339 / 22124340

Fax : 033 - 22124341

Email: bimalokpal.kolka[email protected]

West Bengal,

Sikkim,

UT of Andaman & Nicobar Islands.

LUCKNOW -Shri Justice Anil Kumar

Srvastava

Office of the Insurance Ombudsman,

6th Floor, Jeevan Bhawan, Phase-II,

Nawal Kishore Road, Hazratganj,

Lucknow - 226 001.

Tel.: 0522 - 2231330 / 2231331

Fax: 0522 - 2231310

Email: bimalokpal.luckno[email protected]

Districts of Uttar Pradesh :

Laitpur, Jhansi, Mahoba, Hamirpur, Banda,

Chitrakoot, Allahabad, Mirzapur, Sonbhabdra,

Fatehpur, Pratapgarh, Jaunpur,Varanasi,

Gazipur, Jalaun, Kanpur, Lucknow, Unnao,

Sitapur, Lakhimpur, Bahraich, Barabanki,

Raebareli, Sravasti, Gonda, Faizabad, Amethi,

Kaushambi, Balrampur, Basti,

Ambedkarnagar, Sultanpur, Maharajgang,

Santkabirnagar, Azamgarh, Kushinagar,

Gorkhpur, Deoria, Mau, Ghazipur, Chandauli,

Ballia, Sidharathnagar.

MUMBAI - Shri Milind A. Kharat

Office of the Insurance Ombudsman,

3rd Floor, Jeevan SevaAnnexe,

S. V. Road, Santacruz (W),

Mumbai - 400 054.

Tel.: 022 - 26106552 / 26106960

Fax: 022 - 26106052

Email: bimalokpal.mumb[email protected]

Goa,

Mumbai Metropolitan Region

excluding Navi Mumbai & Thane.

NOIDA - Shri Chandra Shekhar Prasad

Office of the Insurance Ombudsman,

BhagwanSahai Palace

State of Uttaranchal and the following Districts

of Uttar Pradesh:

SBI General Insurance Company Limited

SBI General Insurance Company Limited. Registered and Corporate Office: “Natraj” 301, Junction of Western Express Highway & Andheri

Kurla – Road, Andheri (East), Mumbai – 400 069|CIN: U66000MH2009PLC190546 | Toll free: 18001021111 |

[email protected] | www.sbigeneral.in | For more details on the risk factor, terms, and conditions, please refer to the Sales

Brochure and Policy Wordings carefully before concluding a sale| SBI Logo displayed belongs to State Bank of India and used by SBI General

Insurance Company Limited under license | IRDAI Reg No: 144 |UIN: IRDAN144RP0002V02201617

Simple Home Insurance– Policy Wordings 51

4th Floor, Main Road,

Naya Bans, Sector 15,

Distt: Gautam Buddh Nagar,

U.P-201301.

Tel.: 0120-2514250 / 2514252 / 2514253

Email: bimalokpal.noid[email protected]

Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun,

Bulandshehar, Etah, Kanooj, Mainpuri,

Mathura, Meerut, Moradabad, Muzaffarnagar,

Oraiyya, Pilibhit, Etawah, Farrukhabad,

Firozbad, Gautambodhanagar, Ghaziabad,

Hardoi, Shahjahanpur, Hapur, Shamli,

Rampur, Kashganj, Sambhal, Amroha,

Hathras, Kanshiramnagar, Saha

ranpur.

PATNA - Shri N. K. Singh

Office of the Insurance Ombudsman,

1st Floor,Kalpana Arcade Building,,

Bazar Samiti Road,

Bahadurpur,

Patna 800 006.

Tel.: 0612-2680952

Email: bimalokpal.patna@ecoi.co.in

Bihar,

Jharkhand.

PUNE - Shri Vinay Sah

Office of the Insurance Ombudsman,

Jeevan Darshan Bldg., 3rd Floor,

C.T.S. No.s. 195 to 198,

N.C. Kelkar Road, Narayan Peth,

Pune – 411 030.

Tel.: 020-41312555

Email: bimalokpal.pune@ecoi.co.in

Maharashtra,

Area of Navi Mumbai and Thane

excluding Mumbai Metropolitan Region.

The updated details of Insurance Ombudsman are available on the IRDA website: www.irdai.gov.in

and on the website of General Insurance Council: www.gicouncil.in