Sarv Suraksha_Wid FAQ.cdr

WHAT IS SARV SURAKSHA INSURANCE POLICY?

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HDFC ERGO General Insurance Company Limited

Frequently Asked Question’s (FAQs) - Sarv Suraksha Policy

Sarv Suraksha is a comprehensive insurance policy specially designed for customers availing a loan with an objective to provide financial security to the loan borrower and his

family incase of an unfortunate event. The policy provides insurance cover maximum up to the loan amount.

Mentioned below are the standard coverages offered under Sarv Suraksha policy. Your entitlement for coverage/benefits shall be restricted to the coverage/benefits as

mentioned in your policy schedule.



Accidental Death: Pays the full sum insured in case of an accidental death.



Permanent Total or Partial Disablement: Pays the full sum insured in case of an accident results in permanent total or partial disablement.



Accident Hospitalization: Reimburses reasonable and customary medical expenses incurred up to maximum sum insured.



Householders Cover: Covers the household contents against a) Fire, Allied Perils, Earthquake & Terrorism and b) Burglary and/or Theft.



Critical Illness: Pays the full sum insured on first diagnosis of any one of the 10 critical illnesses covered under the policy after the first 90 days ofcommencement

of the policy and provided that the insured person survives a period of 30 days from the date of the first diagnosis.



Loss of Job: Pays upto 3 equated monthly installments EMI's in case of a loss of job of the insured person in view of mergers and acquisitions (M&A).



Credit Shield: Pays the balance outstanding loan amount upto the maximum sum insured in the event of Accidental Death or Permanent Total Disability.



Garage Cash: Reimburses a daily benefit towards the cost of alternate means of transport for upto a maximum of 7 days provided that the repairs are caused due

to accidental loss or damage and the claim amount under the Motor Insurance policy exceeds Rs.5000.

WHAT IS THE TENURE OF THE POLICY?



The policy tenure for Sarv Suraksha is 5 years or loan tenure whichever is lesser.

HOW TO CONTACT US?

Call Toll-free :1800 2 700 700 (Accessible from India only)

E-Mail :[email protected]

Fax 022 6638 3669

Write to us at :HDFC ERGO General Insurance Company Limited

(Customer service office) 6

Floor, Leela Business Park,

Andheri Kurla Road, Andheri (East), Mumbai - 400 059

HOW DO I FILE A CLAIM?

Step 1 - Register / Intimate your claim over e mail or call as soon as possible

Step 2 - Fill out the relevant claim form (We will share a soft copy of claim form on your email id. Alternatively, download the claim form from our website under Claims

tab.) Our Claims representative will contact you for assistance in filling the form and documentation

Step 3 - Send the duly signed claim form along with requisite documentation to our customer service office for claim processing.

Be sure to update your contact details if missing in the policy. We will update you of the claim at every stage through SMS and emails.

Track your claims real time. It's simple... Download our mobile app from https://m.hdfcergo.com/download or relevant app store. Just link your policy in 2 easy steps by

providing your policy no and Date of Birth / Policy start date.

WHAT CHANGES CAN BE DONE IN MY POLICY?



For Changes or correction in personal details like Name of Insured / Nominee, Correspondence Address, you can simply email or call us preferably from your registered

mobile no / email id for instant servicing. Alternatively, you can visit our nearest branch



For other changes like correction in Date of Birth, we may request for a government age proof (PAN Card, Aadhar Card, Passport etc) for effecting the changes. You can fax

or email a copy for effecting the changes

This document is a summary of the benefits offered. The information mentioned above is illustrative and not exhaustive. Information must be read in conjunction with the policy wordings.

In case of any conflict between this document and the policy wordings, the terms and conditions mentioned in the policy wordings shall prevail.

Ver.Aug17

HDFC ERGO General Insurance Company Limited

Policy Wording

HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate

Office: 1

Floor, HDFC House, 165 - 166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Customer Service Address: 6

Floor, Leela Business Park, Andheri Kurla Road, Andheri (E), Mumbai – 400 059. For more details

on the risk factors, terms and conditions, please read the sales brochure before concluding the sale. Trade Logo of HDFC ERGO General Insurance Company Ltd. displayed above belongs to HDFC LTD and ERGO International AG and used by

HDFC ERGO General Insurance Company under license. Toll-free: 1800 2 700 700 | Fax: 91 22 66383699 |

[email protected] | www.hdfcergo.com. UIN:

IRDA/NL-HLT/HDFC-ERGOGI/P-H/V.I/256/13-14

SARV SURAKSHA POLICY WORDING

Our agreement to insure You is based on Your Proposal to Us, which is the basis of

this agreement, and Your payment of the premium and the realization thereof by us.

This Policy records the entire agreement between Us and sets out what We insure,

how We insure it, and what We expect of You and what You can expect of Us.

GENERAL CONDITIONS APPLICABLE TO ALL COVERS

Due Observance

The due observance of and compliance with the terms, provisions, warranties

and conditions of this Policy insofar as they relate to anything to be done or

complied with by the Insured and/or the Insured's Family shall be a condition

precedent to any liability of the Company under this Policy.

Reasonable Care

The Insured shall take all reasonable steps to prevent a claim from arising under

this Policy;

Duties and Obligations after Occurrence of an Insured Event

It is a condition precedent to the Company's liability under this Policy that, upon

the happening of any event giving rise to or likely to give rise to a claim under this

Policy:

3.1.

The Insured shall immediately and in any event within 14 days give

written notice of the same to the address shown in the Schedule for this

purpose, and in case of notification of an event likely to give rise to a

claim to specify the grounds for such belief, and

3.2.

The Insured shall within 28 days deliver to the Company its completed

claim form detailing the loss or damage that has occurred and an

estimate of the quantum of any claim along with all documentation

required to support and substantiate the amount sought from the

Company, and

3.3.

The Insured shall expeditiously provide the Company and its

representatives and appointees with all the information, assistance,

records and documentation that they might reasonably require, and

3.4.

The Insured shall not admit liability or settle or make or promise any

payment in respect of any claim which may be the subject of indemnity

hereunder, or incur any costs or expenses in connection therewith,

without the written consent of the Company which shall be entitled to

take over and conduct in the name of the Insured the defense and/or

settlement of any such claim, for which purpose the Insured shall give all

the information and assistance that the Company may reasonably

require.

Contribution - Not Applicable to Section 1 (Critical Illness) & Section 2

(Personal Accident)

If, at the time of any Claim, there is, or but for the existence of this Policy, would

be any other policy of indemnity or insurance in favour of or effected by or on

behalf of the Insured applicable to such claim, then the Company shall not be

liable to pay or contribute more than its rateable proportion of any loss or

damage.

Subrogation - Not Applicable to Section 1 (Critical Illness) & Section 2

(Personal Accident)

The Insured and any claimant under this Policy shall at the expense of the

Company do or concur in doing or permit to be done all such acts and things that

may be necessary or reasonably required by the Company for the purpose of

enforcing any civil or criminal rights and remedies or obtaining relief or indemnity

from other parties to which the Company shall be or would become entitled or

subrogated upon the Company paying for or making good any loss or damage

under this Policy whether such acts and things shall be or become necessary or

required before or after the Insured's indemnification by the Company.

Fraud

If the Insured or any claimant under this Policy shall make or advance any claim

knowing the same to be false or fraudulent as regards amount or otherwise, this

Policy shall be void and all claims or payments hereunder shall be forfeited and if

paid shall be recoverable from the Insured.

Cancellation

7.1.

This Policy may be cancelled by or on behalf of the Company by giving

the Insured at least 14 days written notice and in such event the

Company shall refund to the Insured a pro-rata premium for the

unexpired Policy Period. For the avoidance of doubt, the Company shall

remain liable for any claim that was made prior to the date upon which

this insurance is cancelled.

7.2.

This Policy may be cancelled by the Insured at anytime by giving at least

14 days written notice to the Company. The Company will refund

premium on a pro-rata basis by reference to the time cover is provided,

subject to a minimum retention of premium of 25%. No refund of premium

shall be due on cancellation if the Insured has made a claim under this

Policy.

Dispute Resolution

8.1.

If any dispute or difference shall arise as to the quantum to be paid under

this policy (liability being otherwise admitted) such difference shall

independently of all other questions be referred to the decision of a sole

arbitrator to be appointed in writing by the parties hereto or if they cannot

agree upon a single arbitrator within 30 days of any party invoking

arbitration, the same shall be referred to a panel of three arbitrators,

comprising of two arbitrators, one to be appointed by each of the parties

to the dispute/difference and the third arbitrator to be appointed by such

two arbitrators and arbitration shall be conducted under and in

accordance with the provisions of the Arbitration and Conciliation Act,

1996. It is clearly agreed and understood that no difference or dispute

shall be referable to arbitration as hereinbefore provided, if the Company

has disputed or not accepted liability under or in respect of this policy. It is

hereby expressly stipulated and declared that it shall be a condition

precedent to any right of action or suit upon this policy that the award by

such arbitrator/ arbitrators of the amount of the loss or damage shall be

first obtained.

8.2.

The applicable law in and of the arbitration shall be Indian law.

8.3.

The expenses of the arbitrator shall be shared between the parties

equally and such expenses along with all reasonable costs in the

conduct of the arbitration shall be awarded by the arbitrator to the

successful party, or where no party can be said to have been wholly

successful, to such party; as substantially succeeded.

8.4.

It is agreed condition precedent to any right of action or suit upon this

Policy that an award by such arbitrator or arbitrators shall be first

obtained.

8.5.

In the event that these arbitration provisions shall be held to be invalid

then all such disputes shall be referred to the exclusive jurisdiction of the

Indian Courts.

Notices

Any notice, direction or instruction given under this policy of insurance shall be in

writing and delivered by hand, post, or facsimile to:

In case of the Insured, at the address specified in the Schedule or last known

address.

In case of the Company at:

HDFC ERGO General Insurance Company Limited

6th Floor, Leela Business Park, Andheri Kurla Road,

Andheri (East), Mumbai – 400 059, India

Tel.: 91 22 66383600. Fax: 91 22 66383699

Notice and instructions will be deemed served 7 days after posting or

immediately upon receipt in the case of hand delivery, facsimile or e-mail.

10.

Governing Law

The construction, interpretation and meaning of the provisions of this Policy shall

be determined in accordance with Indian law. The section headings of this Policy

are included for descriptive purposes only and do not form part of this Policy for

the purpose of its construction or interpretation.

11.

Entire Contract

The Policy constitutes the complete contract of insurance. No change or

alteration in this Policy shall be valid or effective unless approved in writing by

the Company, which approval shall be evidenced by an endorsement on the

Policy.

12.

Territorial Limits

This Policy covers insured events arising during the Policy Period as specified in

the Policy Schedule. The Company's liability to make any payment shall be to

make payment within India and in Indian Rupees only.

13.

Renewal

This Policy is renewable for life unless the Insured Person or anyone acting on

behalf of an Insured Person has acted in an improper, dishonest or fraudulent

manner or there has been any misrepresentation under or in relation to this

HDFC ERGO General Insurance Company Limited

Policy Wording

Office: 1

Floor, HDFC House, 165 - 166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Customer Service Address: 6

Floor, Leela Business Park, Andheri Kurla Road, Andheri (E), Mumbai – 400 059. For more details

HDFC ERGO General Insurance Company under license. Toll-free: 1800 2 700 700 | Fax: 91 22 66383699 |

[email protected] | www.hdfcergo.com. UIN:

IRDA/NL-HLT/HDFC-ERGOGI/P-H/V.I/256/13-14

SARV SURAKSHA POLICY WORDING

Policy or the renewal of the Policy poses a moral hazard

We are NOT under any obligation to:

Send renewal notice or reminders.

ii.

Renew it on same terms or premium as the expiring Policy. Any change in

benefits or premium (other than due to change in Age) will be done with the

approval of the Insurance Regulatory and Development Authority and will be

intimated to You atleast 3 months in advance. In the likelihood of this policy

being withdrawn in future, we will intimate you about the same 3 months prior

to expiry of the policy. You will have the option to migrate to similar indemnity

health insurance policy available with us at the time of renewal with all the

accrued continuity benefits such as cumulative bonus, waiver of waiting

period etc. provided the policy has been maintained without a break as per

portability guidelines issued by IRDA.

iii.

We will not apply any additional loading on your policy premium at renewal

based on claim experience.

We shall be entitled to call for any information or documentation before agreeing

to renew the Policy. Your Policy terms may be altered based on the information

received.

All applications for renewal of the Policy must be received by Us before the end

of the Policy Period. A grace period of 30 days for renewing the Policy is available

under this Policy. Any disease/condition contracted during the Grace Period will

not be covered and will be treated as a Pre-existing Condition.

14.

Continuity

In case a customer wishes to renew the policy with us after the loan is closed, we

shall provide the continuity benefit by offering a similar stand alone product

pertaining to the section which the customer wishes to renew, preserving the

benefits accrued.

15.

Loadings

We may apply a risk loading on the premium payable (based upon the

declarations made in the proposal form and the health status of the persons

proposed for insurance). The maximum risk loading applicable for an individual

shall not exceed above 100% per diagnosis/ medical condition and an overall

risk loading of over 150% per person. These loadings are applied from

Commencement Date of the Policy including subsequent renewal(s) with Us or

on the receipt of the request of increase in Sum Insured (for the increased Sum

Insured).

We will inform You about the applicable risk loading through a counter offer letter.

You need to revert to Us with consent and additional premium (if any), within 15

days of the issuance of such counter offer letter. In case, you neither accept the

counter offer nor revert to Us within 15 days, We shall cancel Your application

and refund the premium paid within next 7 days.

Please note that We will issue Policy only after getting Your consent.

16.

Free Look Period

You have a period of 15 days from the date of receipt of the Policy document to

review the terms and conditions of this Policy. If You have any objections to any

of the terms and conditions, You have the option of cancelling the Policy stating

the reasons for cancellation and You will be refunded the premium paid by You

after adjusting the amounts spent on any medical check-up, stamp duty charges

and proportionate risk premium. You can cancel Your Policy only if You have not

made any claims under the Policy. All Your rights under this Policy will

immediately stand extinguished on the free look cancellation of the Policy. Free

look provision is not applicable and available at the time of renewal of the Policy.

17.

Condition Precedent

The fulfilment of the terms and conditions of this Policy (including the payment of

premium by the due dates mentioned in the Schedule) in so far as they relate to

anything to be done or complied with by You or any Insured Person shall be

conditions precedent to Our liability.

18.

Contribution

Is essentially the right of an insurer to call upon other insurers, liable to the same

insured, to share the cost of an indemnity claim on a ratable proportion of Sum

Insured.

This clause shall not apply to any Benefit offered on fixed benefit basis.

19.

Disclosure to information norm

The Policy shall be void and all premium paid hereon shall be forfeited to the

Company, in the event of misrepresentation, mis-description or non disclosure

of any material fact.

20.

Notification of claim

is the process of notifying a claim to the insurer or TPA by specifying the timelines

as well as the address / telephone number to which it should be notified.

21.

Condonation of delay

The Company may condone delay in claim intimation/ document submission

on merit, where it is proved that delay in reporting of claim or submission of

claim documents, is due to reasons beyond the control of the insured.

Notwithstanding the above, delay in claim intimation or submission of claim

documents due to reasons beyond the control of the insured shall not be

condoned where such claims would have otherwise been rejected even if

reported in time.”

SECTION 1. CRITICAL ILLNESS

If the Insured Person named in the schedule is diagnosed as suffering from a Critical

Illness which first occurs or manifests itself during the Policy Period, and the Insured

survives for a minimum of 30 days from the date of diagnosis, the Company shall pay

the Critical Illness Benefit as shown in the schedule.

CRITICAL ILLNESS COVERAGE

First Heart Attack -of Specified Severity:

The first occurrence of myocardial infarction which means the death of a portion

of the heart muscle as a result of inadequate blood supply to the relevant area.

The Diagnosis for this will be evidenced by all of the following criteria:

A history of of typical clinical symptoms consistent with the diagnosis of

Acute Myocardial Infarction (for e.g. typical chest pain)

new characteristic electrocardiogram changes

elevation of infarction specific enzymes, Troponins or other biochemical

markers

The following are excluded:

Non-ST-segment elevation myocardial infarction (NSTEMI) with only

elevation of Troponin I or T

Other acute Coronary Syndromes

Any type of angina pectoris

Open Chest CABG:

The actual undergoing of open chest surgery for the correction of one or more

coronary arteries, which is/are narrowed or blocked, by coronary artery bypass

graft (CABG). The diagnosis must be supported by coronary angiography and

the realisation of the surgery has to be confirmed by a specialist Medical

Practitioner.

The following are excluded:

Angioplasty and/or any other intra-arterial procedures

Any key-hole or laser surgery

Stroke resulting in Permanent symptoms:

Any cerebrovascular incident producing permanent neurological sequelae. This

includes infarction of brain tissue, thrombosis in an intra-cranial vessel,

haemorrhage andembolisation from an extracranial source. The Diagnosis has

to be confirmed by a specialist Medical and evidenced by typical clinical

symptoms as well as typical findings in CT Scan or MRI of the brain.

Evidence of permanent neurological deficit lasting for at least 3 months has to be

produced.

The following are excluded:

Transient ischemic attacks (TIA)

Traumatic injury of the brain

Vascular diseases affecting only the eye or optic nerve or vestibular

functions

Cancer of specified severity:

A malignant tumour characterised by the uncontrolled growth & spread of

malignant cells with invasion & destruction of normal tissues. This diagnosis

must be supported by histological evidence of malignancy & confirmed by a

pathologist. The term cancer includes leukemia, lymphoma and sarcoma.

HDFC ERGO General Insurance Company Limited

Policy Wording

Office: 1

Floor, HDFC House, 165 - 166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Customer Service Address: 6

Floor, Leela Business Park, Andheri Kurla Road, Andheri (E), Mumbai – 400 059. For more details

HDFC ERGO General Insurance Company under license. Toll-free: 1800 2 700 700 | Fax: 91 22 66383699 |

[email protected] | www.hdfcergo.com. UIN:

IRDA/NL-HLT/HDFC-ERGOGI/P-H/V.I/256/13-14

SARV SURAKSHA POLICY WORDING

The following are excluded:

Tumours showing the malignant changes of carcinoma in situ & tumours

which are histologically described as pre-malignant or non invasive,

including but not limited to: Carcinoma in situ of breasts, Cervical dysplasia

CIN-1, CIN -2 & CIN-3.

Any skin cancer other than invasive malignant melanoma

All tumours of the prostate unless histologically classified as having a

Gleason score greater than 6 or having progressed to at least clinical TNM

classification T2N0M0.

Papillary micro - carcinoma of the thyroid less than 1 cm in diameter

Chronic lymphocyctic leukaemia less than RAI stage 3

Microcarcinoma of the bladder

All tumours in the presence of HIV infection

Kidney Failure Requiring Regular Dialysis:

End stage renal disease presenting as chronic irreversible failure of both

kidneys to function, as a result of which either regular renal dialysis

(haemodialysis or peritoneal dialysis) is instituted or renal transplantation is

carried out. Diagnosis must be confirmed by a specialist Medical Practitioner.

Major Organ/Bone Marrow Transplant:

The actual undergoing of transplant of:

One of the following human organs: heart, lung, liver, pancreas, kidney , that

resulted from irreversible end stage failure of the relevant organ or;

Human bone marrow using haematopoietic stem cells. The undergoing of a

transplant must be confirmed by a specialist Medical Practitioner

The following are excluded:

Other Stem cell transplants

Where only islets of langerhans are transplanted

Multiple Sclerosis with persistent symptoms:

The definite occurrence of Multiple Sclerosis.The diagnosis must be supported

by all of the following:

Investigation including typical MRI and CSF findings, which unequivocally

confirm the diagnosis to be multiple Sclerosis.

There must be current clinical impairment of motor or sensory function,

which must have persisted for a continuous period of atleast 6 months.

Well documented clinical history of exacerbations and remissions of said

symptoms or neurological deficits with atleast two clinically documented

episodes atleast 1 month apart.

Other causes of neurological damage such as SLE and HIV are excluded

Surgery of Aorta

The actual undergoing of surgery for a disease of the aorta (meaning the

thoracic and abdominal aorta but not its branches, and excluding traumatic

injury of the aorta and- congenital narrowing of the aorta) needing excision and

surgical replacement of the diseased aorta with a graft.

Primary Pulmonary Arterial Hypertension

The diagnosis by a Physician of primary pulmonary hypertension with

substantial right ventricular enlargement established by investigations including

cardiac catheterization, resulting in permanent irreversible physical impairment

to the degree of at least class 3 of the New York Heart Association Classification

of cardiac impairment and resulting in the Insured being unable to perform his

usual occupation.

10.

Permanent Paralysis of Limbs:

Total and irreversible loss of use of two or more limbs as a result of injury or

disease of the brain or spinal cord. A specialist Medical Practitioner must be of

the opinion that paralysis will be permanent with no hope of recovery and must

be present for more than 3 months.

SPECIFIC EXCLUSIONS APPLICABLE TO SECTION 1

No payment will be made by the Company for any claim directly or indirectly caused

by, based on, arising out of or howsoever attributable to any of the following:

Any Critical Illness for which care, treatment, or advice was recommended by or

received from a Physician, or which first manifested itself or was contracted

before the start of the Policy Period, or for which a claim has or could have been

made under any earlier policy.

Any Critical Illness diagnosed within the first 90 days of the date of

commencement of-the Policy is excluded. This exclusion shall not apply to an

Insured for whom coverage has been renewed by the Named Insured, without a

break, for subsequent years.

Any sexually transmitted diseases or any condition directly or indirectly caused

by or associated with Human T-Cell Lymphotropic Virus type III (III LB III) or

Lymphadinopathy Associated Virus (LAV) or the Mutants Derivative or

Variations Deficiency Syndrome or any Syndrome or condition of a similar kind

commonly referred to as AIDS.

Treatment arising from or traceable to pregnancy, childbirth postpartum

complications including but not limited to caesarian section, birth defects and

congenital anomalies.

Occupational diseases such as occupational lung diseases including

asbestosis, pneumoconiosis, occupational asthma and occupational skin

diseases.

War, whether war be declared or not, invasion, act of foreign enemy, hostilities,

civil war, insurrection, terrorism or terrorist acts or activities, rebellion, revolution,

mutiny, military or usurped power, riot, strike, lockout, military or popular

uprising, civil commotion, martial law or loot, sack or pillage in connection

therewith, confiscation or destruction by any government or public authority or

any act or condition incidental to any of the above.

Naval or military operations of the armed forces or air force and participation in

operations requiring the use of arms or which are ordered by military authorities

for combating terrorists, rebels and the like.

Any natural peril (including but not limited to storm, tempest, avalanche,

earthquake, volcanic eruptions, hurricane, or any other kind of natural hazard).

Radioactive contamination.

10.

Consequential losses of any kind, be they by way of loss of profit, loss of

opportunity, loss of gain, business interruption, market loss or otherwise, or any

claims arising out of loss of a pure financial nature such as loss of goodwill or any

legal liability of any kind whatsoever.

11.

Intentional self-injury and/ or the use or misuse of intoxicating drugs and/or

alcohol.

GENERAL CONDITIONS APPLICABLE TO SECTION 1

Due Observance

The due observance of and compliance with the terms, provisions, warranties and

conditions of this Policy in so far as they relate to anything to be done or complied

with by the Insured person shall be a condition precedent to the Company's liability

under this Policy.

Duties and Obligations of the Insured person as shown under section 1 of the

schedule, upon the Diagnosis of an Event of Critical Illness

It is a condition precedent to the Company's liability to make any payment under this

Policy that, upon the diagnosis of an event of Critical Illness:

The Insured person as shown in the schedule shall immediately and in any event

within 4 weeks of such diagnosis provide the Company with written notification of

a claim, and

The Insured person as shown in the schedule shall expeditiously provide the

Company with or arrange for the Company to be provided with any and all

information and documentation in respect of the Critical Illness, the claim and/or

the Company's liability hereunder that may be requested, and the Insured

person as shown under Section 1 of the schedule shall present himself for

examination by the Company's medical advisors as may be considered

reasonably necessary by the Company at the Company's cost.

The Company shall be under no obligation to make any payment under this

Policy until such time as the Insured person as shown in schedule has taken all

necessary steps to satisfy the Company that here has been an event of Critical

Illness within the terms of this Policy and this diagnosis has been confirmed by

the Company's medical advisors.

SPECIFIC DEFINITIONS APPLICABLE TO SECTION 1

The following words or terms shall have the meaning ascribed to them wherever

they appear in this Policy, and references to the singular or to the masculine shall

include references to the plural or to the female wherever the context so permits:

“Consultant” means a qualified medical practitioner holding a valid and

subsisting license, granted by the appropriate licensing authority, and acting

within the scope of his license, expert in the field of medicine for which he carries

the status of a consultant, and who is not related to the Insured or the Named

Insured by blood or marriage.

HDFC ERGO General Insurance Company Limited

Policy Wording

Office: 1

Floor, HDFC House, 165 - 166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Customer Service Address: 6

Floor, Leela Business Park, Andheri Kurla Road, Andheri (E), Mumbai – 400 059. For more details

HDFC ERGO General Insurance Company under license. Toll-free: 1800 2 700 700 | Fax: 91 22 66383699 |

[email protected] | www.hdfcergo.com. UIN:

IRDA/NL-HLT/HDFC-ERGOGI/P-H/V.I/256/13-14

SARV SURAKSHA POLICY WORDING

“Critical Illness” means an illness, sickness or a disease or a corrective measure

as specified in Section 1 of this Policy.

“Critical Illness Benefit” means the amount specified in the Schedule, which is

the maximum amount for which the Company may be liable to make payment for

any Critical Illness.

“Insured person” means the persons named in the Schedule provided that an

Insured person has attained the age of 18 years and is not older than 65 years of

age at the commencement of the Policy Period”.

“Named Insured” means the person or organization named in the Schedule.

“Physician” means a qualified medical practitioner holding a valid and subsisting

license, granted by the appropriate licensing authority, acting within the scope of

his license, and who is not related to the Insured or the Named Insured by blood

or marriage.

“Medical Practitioner” means 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 the scope and jurisdiction of licence. Medical Practitioner

who is sharing the same residence with the Insured person`s and is a member of

Insured Person's family are not considered as Medical Practitioner under the

scope of this Policy.

“Policy” means the proposal, the Schedule, the Policy document and any

endorsements attaching to or forming part thereof either on the effective date or

during the Policy Period.

“Policy Period” means the date between the commencement date specified in

the Schedule and, in respect of any Insured, the earlier of (a) the expiry date

specified in the Schedule and (b) the occurrence of an event of Critical Illness.

10.

“Schedule” means the Schedule, and any annexure to it, attached to and forming

part of this Policy.

11.

“Congenital Anomaly” refers to a condition(s) which is present since birth, and

which is abnormal with reference to form, structure or position.

SECTION 2. PERSONAL ACCIDENT

1. Insured Event

1.1.

In the event of any Accidental Bodily Injury sustained by the Insured

during the Policy Period, the Company will make payment under such

Coverage Parts as are specified in the Schedule as being operative.

1.2.

The Company's liability to make payment shall be limited to the Sum

Insured for each Coverage Part and 125% of Sum Insured under Part B.

Coverage Parts

2.1.

Coverage Part A: Death

2.1.1.

The Company will pay the Sum Insured in the event of Accidental

Bodily Injury causing the Insured's death within 12 months of the

Accidental Bodily Injury being sustained, where after this Policy shall

expire.

2.1.2.

The Company will also, in addition to the Sum Insured, pay up to 2%

of the Sum Insured or Rs.5,000/- (whichever is lower) towards the

cost of transporting the Insured's remains from the place of death to

the hospital/ residence and/or cremation and/or burial ground.

2.2.

Coverage Part B: Permanent Total Disability

2.2.1.

In the event of Accidental Bodily Injury causing the Insured's

Permanent Total Disability within 12 months of the Accidental Bodily

Injury being sustained, the Company will pay 125% of the Sum

Insured, where after this Policy shall expire.

2.2.2.

If the Insured was suffering from any permanent disability prior to the

date upon which Accidental Bodily Injury was sustained, then the

Company's liability to make payment hereunder shall be reduced by

the extent of the same, as advised by the Company's medical

advisors.

2.3.

Coverage Part C: Permanent Partial Disability

2.3.1.

In the event of Accidental Bodily Injury causing the Insured's

Permanent Partial Disability as mentioned in the PPD Table below

within 12 months of the Accidental Bodily Injury being sustained, the

Company will pay the percentage of the Sum Insured specified for

each and every form of impairment mentioned in the PPD Table:

2.3.2.

if the Accidental Bodily Injury causes the Insured's Permanent Partial

Disability within 12 months of the Accidental Bodily Injury being

sustained other than as specified in the PPD Table above, the

Company's liability to make payment shall be as follows:

2.3.2.1.

In the case of the Insured suffering partial loss or functional

impairment of one of the body parts or sensory organs mentioned in

the PPD Table, the Company will pay a corresponding proportion of

the percentages specified in the PPD Table, as advised by the

Company's medical advisors.

2.3.2.2.

In the case of the Insured's Permanent Partial Disability of a nature

not detailed in the PPD Table, the Company will pay a proportion of the

Sum Insured by reference to the degree to which the Insured's normal

functional physical capacity has been impaired, as advised by the

Company's medical advisors.

2.3.3.

If the Insured was suffering from any Permanent Partial Disability

prior to the date upon which Accidental Bodily Injury was sustained,

then the Company's liability to make payment hereunder shall be

reduced by the extent of the same as advised by the Company's

medical advisors.

2.3.4.

If the Accidental Bodily Injury sustained by the Insured causes a

subsequent Claim by the Insured under Coverage Parts A or B, then

this Coverage Part shall not be operative and the amounts payable

under either Coverage Parts A or B shall be reduced by the amount of

any payment made under this Coverage Part.

Permanent Total Disability & Permanent Partial Disability

Scale of Benefits Description

Compensation as % of sum insured

Death

100

Loss of sight on both eyes

125

Loss of both hands

125

Loss of both feet

125

Loss of one hand and one foot

125

Loss of one eye one hand

125

Loss of one eye one foot

125

Other total permanent disablement

100

An arm at the shoulder joint

An arm above the elbow joint

An arm beneath the elbow joint

A hand at the wrist

A thumb

An index finger

Any other finger

A leg above mid-thigh

A leg upto mid-thigh

A leg upto beneath the knee

A leg upto mid-calf

A foot at the ankle

A large toe

Any other toe

Any eye

Hearing loss on one ear

Hearing loss on both ears

Sense of smell

Sense of taste

SPECIFIC DEFINITIONS APPLICABLE TO SECTION 2

The following words or terms shall have the meaning ascribed to them wherever

they appear in this Policy, and references to the singular or to the masculine shall

include references to the plural or to the female wherever the context so permits:

“Policy” means the proposal, the Schedule, the Policy documents and any

endorsements attaching to or forming part thereof either on the effective date or

during the Policy Period.

“Claim” means a Claim under a Coverage Part in respect of an insured event

that has taken place or is likely to take place.

“Schedule” means the schedule, and any annexure to it, attached to and

forming part of this Policy.

“Accident or Accidental” means a sudden, unforeseen and involuntary event

caused by external, visible and violent means.

“Bodily Injury” means physical bodily harm or injury, but does not include any

HDFC ERGO General Insurance Company Limited

Policy Wording

Office: 1

Floor, HDFC House, 165 - 166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Customer Service Address: 6

Floor, Leela Business Park, Andheri Kurla Road, Andheri (E), Mumbai – 400 059. For more details

HDFC ERGO General Insurance Company under license. Toll-free: 1800 2 700 700 | Fax: 91 22 66383699 |

[email protected] | www.hdfcergo.com. UIN:

IRDA/NL-HLT/HDFC-ERGOGI/P-H/V.I/256/13-14

SARV SURAKSHA POLICY WORDING

mental sickness, disease or illness.

“Physician” means a qualified medical practitioner holding a valid and

subsisting license, granted by the appropriate licensing authority, and acting

within the scope of his license.

“Medical Practitioner” means 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 the scope and jurisdiction of licence. Medical Practitioner

who is sharing the same residence with the Insured person`s and is a member of

Insured Person's family are not considered as Medical Practitioner under the

scope of this Policy.

“Permanent Total Disability” means a Physician certified total, continuous

and permanent:

loss of sight of both eyes;

Physical separation of or loss of ability to use both hands or both feet,

physical separation of or loss of ability to use one hand and one foot;

loss of sight on one eye and physical separation of or loss of ability to use

either one hand or one foot.

“Insured” means the person or organization named in the Schedule.

10.

“Named Insured” means the person named in the Schedule.

11.

“Policy Period” means the date between the commencement date specified in

the Schedule and, in respect. of any Insured person or any person within a

category of Insured persons, the earlier of (a) the expiry date specified in the

Schedule and (b) the admission of a Claim under either Coverage Parts A or B.

12.

“Sum Insured” means the amount stated in the Schedule, which (unless

expressly stated otherwise) is the maximum amount per Insured person or

person within a category of Insured persons for which the Company will make

payment for any and all claims in the aggregate in relation to the Coverage Part

to which the Sum Insured relates during the Policy Period except in Section 2.2

Permanent Total Disability where maximum amount per Insured person or

person within a category of Insured persons would be 125% of Sum Insured of

Section 2.1.1.

13.

“Family” means self, spouse and dependent children up to the age of 25 years.

SPECIFIC EXCLUSIONS APPLICABLE TO SECTION 2

No indemnity is available hereunder and no payment will be made by the Company

for any Claim directly or indirectly caused by, based on, arising out of or howsoever

attributable to any of the following:

Suicide, attempted suicide or self inflicted injury or illness;

Whilst under the influence of intoxicating liquor or drugs; as per police charges or

proved medically.

Any deliberate or intentional, unlawful or illegal activities with criminal intent,

error, or omission of the Insured person.

From war (whether declared or not), civil war, invasion, act of foreign enemies,

rebellion, revolution, insurrection, mutiny, military or usurped power, seizure,

capture, arrest, restraint or detainment, confiscation or nationalization or

requisition of or damage y or under the order of any government or public local

authority.

Any consequential losses of any kind, and/or any actual or alleged legal liability

of the Insured person.

Whilst engaging in aviation or ballooning, whilst mounting into, dismounting from

or travelling in any balloon or aircraft other than as a passenger (fare paying or

otherwise) in any duly licensed standard type of aircraft anywhere in the world.

Any loss suffered by the Insured person on account of his participation as the

driver, co-driver or passenger of a motor vehicle during motor racing or trial runs.

Any loss caused either directly or indirectly by nuclear energy, radiation.

Curative treatments or interventions that the Insured person performs or has had

performed on his body against medical advice or without medical advice.

10.

Venereal or sexually transmitted disease.

11.

HIV (Human Immunodeficiency Virus) and/or any HIV related illness including

AIDS.(Acquired Immune Deficiency Syndrome) and/or mutant derivatives or

variations thereof however caused.

12.

Pregnancy, resulting childbirth, miscarriage, abortion, or complication arising

out of any of the foregoing.

13.

The Insured persons' participation in any naval, military or air force operations

whether in the form of military exercises or war games or actual engagement

with the enemy, whether foreign or domestic.

If the Company asserts that by reason of these Exclusions any Claim is not covered

by this Policy, the burden of proving that such Claim is covered shall be upon the

Insured person.

SECTION 3. ACCIDENTAL HOSPITALIZATION BENEFIT

If You are hospitalized on the advice of a Doctor because of accidental Bodily Injury

sustained during the Policy Period, then We will reimburse You, Reasonable and

Customary Medical Expenses incurred up to a maximum sum insured shown in the

schedule for this section aggregate in any one policy period. The medical expenses

reimbursable would include

The reasonable charges that You/your family member named in the schedule

necessarily incur on the advice of a Doctor As an in-patient in a Hospital for

accommodation; nursing care; the attention of medically qualified staff;

undergoing medically necessary procedures and medical consumables.

Ambulance charges for carrying you from the site of accident to the nearest

hospital subject to a limit of Rs. 1000 per claim.

SPECIFIC DEFINITIONS APPLICABLE TO SECTION 3

Reasonable and Customary Charges means the charges for services or

supplies, which are the standard charges for a specific provider and consistent

with the prevailing charges in the geographical area for identical or similar

services ,taking into account the nature of illness/ injury involved.

Hospitalisation or Hospitalised means the Insured Person's admission into a

Hospital for Medically necessary Treatment as an inpatient for a continuous

period of at least 24 hours following an Illness or Accident occurring during the

Policy Period.

Intensive Care Unit means an identified section, ward or wing of a Hospital which

is under the constant supervision of a dedicated Medical Practitioner(s), and

which is specially equipped for the continuous monitoring and treatment of

patients who are in a critical condition, or require life support facilities and where

the level of care and supervision is considerably more sophisticated and

intensive than in the ordinary and other wards

In-patient Care means treatment for which the Insured Person has to stay in a

Hospital for more than 24 hours for a covered event.

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;

Must not exceed the level of care necessary to provide safe, adequate and

appropriate medical care in scope, duration or intensity.

Must have been prescribed by a Medical Practitioner.

Must conform to the professional standards widely accepted in international

medical practice or by the medical community in India.

Surgical Procedure means manual and/or operative procedure(s) required for

treatment of an Illness or injury, correction of deformities and defects, diagnosis

and cure of diseases, relief of suffering or prolongation of life, performed in a

Hospital or day care centre by a Medical Practitioner.

Outpatient Treatment means consultation, diagnosis or medical treatment taken

by any Insured Person at an outpatient department of a Hospital, clinic or

associated facility, provided that he is not Hospitalised.

Illness means a sickness (a condition or an ailment affecting the general

soundness and health of the Insured Person's body) or a disease (affliction of the

bodily organs having a defined and recognised pattern of symptoms) or

pathological condition leading to the impairment of normal physiological function

which manifests itself during the Policy Period and requires medical Treatment.

For the avoidance of doubt, Illness does not mean and this Policy does not cover

any mental illness or sickness or disease (including but not limited to a

psychiatric condition, disorganisation of personality or mind, or emotions or

behaviour) even if caused by or aggravated by or related to an Accident or

Illness.

Injury means accidental physical bodily harm excluding illness or disease solely

and directly caused by external, violent and visible and evident means which is

HDFC ERGO General Insurance Company Limited

Policy Wording

Office: 1

Floor, HDFC House, 165 - 166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Customer Service Address: 6

Floor, Leela Business Park, Andheri Kurla Road, Andheri (E), Mumbai – 400 059. For more details

HDFC ERGO General Insurance Company under license. Toll-free: 1800 2 700 700 | Fax: 91 22 66383699 |

[email protected] | www.hdfcergo.com. UIN:

IRDA/NL-HLT/HDFC-ERGOGI/P-H/V.I/256/13-14

SARV SURAKSHA POLICY WORDING

verified and certified by a Medical Practitioner.

10.

Medical Advise means any consultation or advise from a Medical Practitioner

including the issue of any prescription or repeat prescription.

11.

8) Medical Expenses means those reasonable and customary medical

expenses that an Insured Person has necessarily and actually incurred for

medical treatment during the Policy Period on the advice of a Medical

Practitioner due to Illness or Accident occurring during the Policy Period, as long

as these are no more than would have been payable if the Insured 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.

12.

Hospital means any institution in India 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 the clinical Establishments (Registration

and Regulation) Act, 2010 or under the enactments specified under the

Schedule of Section 56(1) of the said Act OR complies with all minimum criteria

as under:

has at least 10 in-patient beds, in those towns having a population of less

than 10,00,000 and 15 in-patient beds in all other places,

has qualified nursing staff under its employment round the clock,

has qualified Medical Practitioner(s) in charge round the clock,

has a fully equipped operation theatre of its own where surgical procedures

are carried out,

maintains daily records of patients and will make these accessible to the

insurance company's authorized personnel.

SECTION 4. LOSS OF JOB (APPLICABLE FOR SALARIED PERSONS ONLY)

In the event of the insured person losing his job due to retrenchment from his

employer in view of mergers and acquisitions the policy will pay a maximum of 3 EMI

towards his loan account or lesser if he gets re-employed earlier. For a claim to be

admissible under this section the Insured person has to submit written proof towards

his retrenchment.

SPECIFIC EXCLUSIONS APPLICABLE TO SECTION 4:

Loss of job due to reasons other than retrenchment as a result of mergers and

acquisition.

Loss of job as a result of any disciplinary action.

SECTION 5. CREDIT SHIELD INSURANCE POLICY

Coverage

Credit Shield

In the event of Accidental Death or Permanent Total Disability of the Insured Person

during the Policy Period, the Company will make payment under this policy as

detailed below:

The Company will pay the balance outstanding loan amount to the legal heirs of the

Insured or the Named Insured subject to the maximum Sum Insured specified in the

Schedule.

The outstanding Loan amount would not include any arrears of the borrower due to

any reasons whatsoever. The claim to be settled only in respect of the death of the

first named borrower and not in respect of the others, which may happen in case

loan is taken jointly.

SPECIFIC DEFINITIONS APPLICABLE TO SECTION 5:

The following words or terms shall have the meaning ascribed to them wherever

they appear in this Policy, and references to the singular or to the masculine shall

include references to the plural or to the female wherever the context so permits:

“Policy” means the proposal, the Schedule, the Policy documents and any

endorsements attaching to or forming part thereof either on the effective date or

during the Policy Period.

“Claim” means a Claim under a Coverage Part in respect of an insured event

that has taken place or is likely to take place.

“Schedule” means the schedule, and any annexure to it, attached to and

forming part of this Policy.

“Accident or Accidental” means a sudden, unforeseen and involuntary event

caused by external, visible and violent means.

“Bodily Injury” means physical bodily harm or injury, but does not include any

mental sickness, disease or illness.

“Insured” means the persons, or a person within a category, named in the

Schedule.

“Named Insured” means the person or organization named in the Schedule.

“Policy Period” means the date between the commencement date specified in

the Schedule and, in respect of any Insured person or any person within a

category of Insured persons, the earlier of (a) the expiry date specified in the

Schedule and (b) the admission of a Claim under either Coverage Parts A or B.

“Sum Insured” means the amount stated in the Schedule, which (unless

expressly stated otherwise) is the maximum amount per Insured person or

person within a category of Insured persons for which the Company will make

payment for any and all claims in the aggregate in relation to the Coverage Part

to which the Sum Insured relates during the Policy Period.

SPECIFIC EXCLUSIONS APPLICABLE TO SECTION 5:

No indemnity is available hereunder and no payment will be made by the Company

for any Claim directly or indirectly caused by, based on, arising out of or howsoever

attributable to any of the following:

Suicide, attempted suicide or self inflicted injury or illness;

Whilst under the influence of intoxicating liquor or drugs;

Any deliberate or intentional, unlawful or illegal activities with criminal intent,

error, or omission of the Insured.

From war (whether declared or not), civil war, invasion, act of foreign enemies,

rebellion, revolution, insurrection, mutiny, military or usurped power, seizure,

capture, arrest, restraint or detainment, confiscation or nationalization or

requisition of or damage by or under the order of any government or public local

authority.

Any consequential losses of any kind, and/or any actual or alleged legal liability

of the Insured.

Whilst engaging in aviation or ballooning, whilst mounting into, dismounting from

or traveling in any balloon or aircraft other than as a passenger (fare paying or

otherwise) in any duly licensed standard type of aircraft anywhere in the world.

Any loss suffered by the Insured on account of his participation as the driver, co-

driver or passenger of a motor vehicle during motor racing or trial runs.

Any loss caused either directly or indirectly by nuclear energy, radiation.

Curative treatments or interventions that the Insured performs or has had

performed on his body against medical advice or without medical advice.

Venereal or sexually transmitted disease.

10.

HIV (Human immunodeficiency Virus) and/or any HIV related illness including

AIDS (Acquired Immune Deficiency Syndrome) and/or mutant derivatives or

variations thereof however caused.

11.

Pregnancy, resulting childbirth, miscarriage, abortion, or complication arising

out of any of the foregoing.

12.

The Insured's participation in any naval, military or air force operations whether

in the form of military exercises or war games or actual engagement with the

enemy, whether foreign or domestic.

If the Company asserts that. by reason of these Exclusions any Claim is not covered

by this Policy, the burden of proving that such Claim is covered shall be upon the

Insured.

Duties and Obligations of the Insured after the Occurrence of an Insured Event.

It is a condition precedent to the Company's liability under this Policy that in the

event of any Accidental Bodily Injury that may give rise to a Claim:

The Insured and/ or the Named Insured shall immediately and in any event

within 14 days provide the Company with written notification of a Claim, and the

Insured shall immediately and without any delay, consult a Physician and follow

such advice and treatment that the Physician might recommend, and

The Insured shall take every other reasonable step and/or measure to minimize

the consequences of the Bodily Injury, and

The Insured and/ or the Named Insured shall immediately and in any event

within 14 days provide the Company with written notification of any other Claim

that may be made under any operative Coverage Part caused by the Accidental

Bodily Injury, and

HDFC ERGO General Insurance Company Limited

Policy Wording

Office: 1

Floor, HDFC House, 165 - 166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Customer Service Address: 6

Floor, Leela Business Park, Andheri Kurla Road, Andheri (E), Mumbai – 400 059. For more details

HDFC ERGO General Insurance Company under license. Toll-free: 1800 2 700 700 | Fax: 91 22 66383699 |

[email protected] | www.hdfcergo.com. UIN:

IRDA/NL-HLT/HDFC-ERGOGI/P-H/V.I/256/13-14

SARV SURAKSHA POLICY WORDING

In the event of the Insured's death, written notice accompanied by a copy of the

post-mortem report (if any) is given to the Company within 14 days (regardless

of whether any other notice might already have been given to the Company),

and

The Insured and/or the Named Insured shall expeditiously provide the Company

with or arrange for the Company to be provided with any and all information and

documentation in respect of the Claim and/or the Company's liability hereunder

that may be requested, and submit himself for examination by the Company's

medical advisers as often as may be considered reasonably necessary by the

Company at the Company's cost.

CLAIMS PAYMENT APPLICABLE:

The Company shall only make payment under this Policy to the legal heirs of the

Insured or the Named Insured. Any payment made in good faith by the Company as

aforesaid shall operate as complete and final discharge of the Company's liability to

make payment under this Policy for such Claim.

SECTION 6. HOUSEHOLDERS COVERAGE (FIRE AND BURGLARY)

Coverage Part A: Contents (excluding Valuables) For Std Fire And Sp Perils

The Company will indemnify the Insured in respect of loss of or damage to the

Contents in the Insured Premises specified in the Schedule against:

Fire, excluding destruction or damage caused to the property insured by:

Its own fermentation, natural heating or spontaneous combustion.

Its undergoing any heating or drying process.

Burning of property insured by order of any Public Authority.

Lightning.

Explosion/implosion, excluding loss, destruction of or damage:

To boilers (other than domestic boilers), economizers or other vessels,

Machinery or apparatus (in which steam is generated) or their contents

resulting from their own explosion/implosion,

Caused by centrifugal forces.

Aircraft Damage: Loss, Destruction or damage caused by Aircraft, other aerial or

space devices and articles dropped there from excluding those caused by

pressure waves.

Riot, Strike, and Malicious Damage: Loss of or visible physical damage or

destruction by external violent means directly caused to the property insured but

excluding those caused by:

Total or partial cessation of work or the retardation or interruption or

cessation of any process or operations or omissions of any kind.

Permanent or temporary dispossession resulting from confiscation,

commandeering, requisition or destruction by order of the Government or

any lawfully constituted Authority.

Permanent or temporary dispossession of any building or plant or unit or

machinery resulting from the unlawful occupation by any person of such

building or plant or unit or machinery or prevention of access to the same.

Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood and Inundation:

Loss destruction or damage directly caused by storm, cyclone, typhoon,

tempest, hurricane, flood or inundation excluding those resulting from volcanic

eruption or other convulsions of nature.

Impact Damage: Loss of or visible physical damage or destruction caused to the

property insured due to impact by any Rail/ Road vehicle or animal by direct

contact not belonging to or owned by the Insured or any occupier of the premises

or their employees while acting in the course of their employment.

Subsidence and Landslide including Rock slide: Loss, destruction or damage

directly caused by Subsidence of part of the site on which the property stands or

Land slide/Rock slide excluding:

The normal cracking, settlement or bedding down of new structures

The settlement or movement of made up ground

Coastal or river erosion

Defective design or workmanship or use of defective materials

Demolition, construction, structural alterations or repair of any property or

ground works or excavations.

Bursting and/or overflowing of Water Tanks, Apparatus and Pipes.

Missile Testing operations.

10.

Leakage from Automatic Sprinkler Installations, excluding loss, destruction or

damage caused by:

Repairs or alterations to the buildings or premises

Repairs, Removal or Extension of the Sprinkler Installation

Defects in construction known to the Insured.

11.

Bush Fire, excluding loss, destruction or damage caused by Forest Fire.

12.

Earthquake - Fire and Shock

13.

The Company will also indemnify the Insured in respect of the accidental loss of

or damage to Contents not insured elsewhere whilst temporarily removed from

the Insured Premises and in transit as accompanied baggage anywhere in India

to other premises to be used by the Insured or the Insured's Family as a

temporary residence, or to other premises where the Insured shall have placed

any Contents for the purposes of safe custody during the course of his temporary

absence from the Insured Premises, provided that:

Such absence does not exceed 120 days in the aggregate in any one Policy

Period, and

The liability of the Company in respect of removed Contents shall not exceed

10% of the Sum Insured hereunder.

The Company shall not be liable for and no indemnity is available hereunder

in respect of loss of or damage to:

Contents of a consumable nature;

Motor vehicles, pedal cycles, or livestock.

Valuables and/or Jewellery and/or Precious Items, unless specifically

stated to the contrary in the Schedule

SPECIFIC EXCLUSIONS APPLICABLE TO THIS COVER OF SECTION 6:

The Company shall not be liable for 5% of the claim amount for each and every

claim arising out of Act of God perils (Lightning, Storm, Flood, Tempest,

Inundation and the like, Subsidence, Landslide and Rock slide, Earthquake).

Loss, destruction or damage to bullion or unset precious stones, any curios or

works of art for an amount exceeding Rs. 10000/-, manuscripts, plans, drawings,

securities, obligations or documents of any kind, stamps, coins or paper money,

cheques, books of accounts or other business books, computer systems

records, explosives unless otherwise expressly stated in the policy.

Loss, destruction or damage directly or indirectly caused to the property insured

Ionising radiations or contamination by radioactivity from any nuclear fuel or

from any nuclear waste from the combustion of nuclear fuel

The radio active toxic, explosives or other hazardous properties of any

explosive nuclear assembly or nuclear component thereof

Loss, destruction or damage caused to the insured property by pollution or

contamination excluding:

Pollution or contamination which itself results from a peril hereby insured

against.

Any peril hereby insured against which itself results from pollution or

contamination

Loss, destruction or damage to the stocks in Cold Storage premises caused by

change of temperature.

Loss, destruction or damage to any electrical machine, apparatus, fixture, or

fitting arising from or occasioned by over-running, excessive pressure, short

circuiting, arcing, self heating or leakage of electricity from whatever cause

(lightning included) provided that this exclusion shall apply only to the particular

electrical machine, apparatus, fixture or fitting so affected and not to other

machines, apparatus, fixtures or fittings which may be destroyed or damaged by

fire so set up.

Loss, or damage by spoilage resulting from the retardation or interruption or

cessation of any process or operation caused by operation of any of the perils

covered.

Coverage Part B : Burglary and Theft

The Company will indemnify the Insured in respect of loss of or damage to the

Insured Contents or any part thereof whilst contained in the Insured Premises

caused by actual or attempted Burglary and or Theft.

The Company will also indemnify the Insured in respect of the loss of or damage

to Contents not Insured elsewhere caused by actual or attempted Burglary

whilst temporarily removed from the Insured Premises and in transit as

accompanied baggage anywhere in India to other premises to be used by the

Insured or the Insured's Family's a temporary residence, or to other premises

where the Insured shall have placed any Contents for the purposes of safe

custody during the course of his temporary absence from the Insured Premises,

provided that:

Such absence does not exceed 120 days in the aggregate in any one Policy

HDFC ERGO General Insurance Company Limited

Policy Wording

Office: 1

Floor, HDFC House, 165 - 166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Customer Service Address: 6

Floor, Leela Business Park, Andheri Kurla Road, Andheri (E), Mumbai – 400 059. For more details

HDFC ERGO General Insurance Company under license. Toll-free: 1800 2 700 700 | Fax: 91 22 66383699 |

[email protected] | www.hdfcergo.com. UIN:

IRDA/NL-HLT/HDFC-ERGOGI/P-H/V.I/256/13-14

SARV SURAKSHA POLICY WORDING

Period, and

¡ The liability of the Company in respect of removed Contents shall not exceed

10 % of the Sum Insured hereunder.

SPECIFIC EXCLUSIONS APPLICABLE TO THIS COVER OF SECTION 6:

The Company shall not be liable for and no indemnity is available hereunder in

respect of:

Any consequential losses, or any loss or damage caused by actual or

attempted Burglary and/or theft;

Where the Insured or any member of the Insured's Family is or is alleged to

be concerned or implicated;

To livestock, motor vehicles and pedal cycles;

To Valuables and/or Jewellery and/or Precious Items, unless specifically

stated in the Schedule.

Basis of Loss Settlement

Where the Insured Premises and/or Contents can reasonably be repaired or

reinstated at a cost less than the replacement cost then the Company will

indemnify the Insured in respect of the expenses necessarily incurred to restore

the aforementioned to its state immediately prior to the happening of the actual

or attempted Burglary.

In the case of a total loss, the Company shall indemnify the Insured in respect of

the restoration or replacement costs. The Company shall not be bound to

reinstate or restore exactly or completely, but only as permitted by the

circumstances and in a reasonably sufficient manner and to the state that

existed immediately prior to the happening of the Burglary.

The cover shall be issued on first loss basis.

GENERAL CONDITIONS APPLICABLE TO SECTION 6

This Section shall be voidable in the event of mis-representation, mis-

description or non-disclosure of any material particular.

Under any of the following circumstances the insurance ceases to attach as

regards the property affected unless the Insured, before the occurrence of any

loss or damage, obtains the sanction of the Company signified by endorsement

upon the policy by or on behalf of the Company:

If the building containing the insured property becomes unoccupied and so

remains for a period of more than 30 days.

If the interest in the property passes from the insured otherwise than by will or

operation of law.

This insurance does not cover any loss or damage to property which, at the time

of the happening of such loss or damage, is insured by or would, but for the

existence of this policy, be insured by any marine policy or policies except in

respect of any excess beyond the amount which would have been payable

under the marine policy or policies had this insurance not been effected.

The Insured shall also at all times at his own expense produce, procure and give

to the Company all such further particulars, plans, specification books,

vouchers, invoices, duplicates or copies thereof, documents, investigation

reports (internal/external), proofs and information with respect to the claim and

the origin and cause of the loss and the circumstances under which the loss or

damage occurred, and any matter touching the liability or the amount of the

liability of the Company as may be reasonably required by or on behalf of the

Company together with a declaration on oath or in other legal form of the truth of

the claim and of any matters connected therewith.

In no case whatsoever shall the Company 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; it being expressly agreed and

declared that if the Company shall disclaim liability for any claim hereunder and

such claim shall not within 12 calendar months from the date of the disclaimer

have been made the subject matter of a suit in a court of law then the claim shall

for all purposes be deemed to have been abandoned and shall not thereafter be

recoverable hereunder.

On the happening of loss or damage to any of the property insured by this policy,

the Company may:

Enter and take and keep possession of the building or premises where the

loss or damage has happened.

Take possession of or require to be delivered to it any property of the Insured

in the building or on the premises at the time of the loss or damage.

Keep possession of any such property and examine, sort, arrange, remove

or otherwise deal with the same.

Sell any such property or dispose of the same for account of whom it may

Concern.

The powers conferred by this condition shall be exercisable by the Company at

any time until notice in writing is given by the insured that he makes no claim

under the section, or if any claim is made, until such claim is finally determined or

withdrawn, and the Company shall not by any act done in the exercise or

purported exercise of its powers hereunder, incur any liability to the Insured or

diminish its rights to rely upon any of the conditions of this section in answer to

any claim.

If the insured or any person on his behalf shall not comply with the requirements

of the Company or shall hinder or obstruct the Company, in the exercise of its

powers hereunder, all benefits under this section shall be forfeited.

If the Company at its option, reinstate or replace the property damaged or

destroyed, or any part thereof, instead of paying the amount of the loss or

damage, or join with any other Company or Insurer(s) in so doing, the Company

shall not be bound to reinstate exactly or completely but only as circumstances

permit and in reasonably sufficient manner, and in no case shall the Company be

bound to expend more in reinstatement than it would have cost to reinstate such

property as it was at the time of the occurrence of such loss or damage nor more

than the sum insured by the Company thereon. If the Company so elect to

reinstate or replace any property the insured shall at his own expense furnish the

Company with such plans, specifications, measurements, quantities and such

other particulars as the Company may require, and no acts done, or caused to be

done, by the Company with a view to reinstatement or replacement shall be

deemed an election by the Company to reinstate or replace.

If the property hereby insured shall at the breaking out of any fire or at the

commencement of any destruction of or damage to the property by any other

peril hereby insured against be collectively of greater value than the sum insured

thereon, then the Insured shall be considered as being his own insurer for the

difference and shall bear a rateable proportion of the loss accordingly. Every

item, if more than one, of the section shall be separately subject to this condition.

SECTION 7. GARAGE CASH

The event of Accidental loss or damage first occurring or manifesting itself during the

Policy Period and causing the Insured vehicles Accidental loss or damage within the

1st year of the Policy term, the Company will pay:

The Daily Allowance of Rs. 500 per day for each continuous and completed

period of 24 hours of workshop repairs necessitated solely by reason of the said

Accidental loss or damage subject to maximum of 7 days once during the policy

period and the amount claimed under the motor policy should be greater than

Rs. 5000/-.

Within 7 days of intimation of claim, the insured is to submit under this section of

the policy a detailed estimate of the cost of repairs; and estimated numbers days

in repair of the vehicle.

The insured shall give the Company every assistance to see that such repair is

necessary and the charges are reasonable.

The Insured shall take all reasonable steps to safeguard the vehicle from loss or

damage and to maintain it in efficient condition and the Company shall have at all

times free and full access to examine the related documents of the Insured in this

behalf. In the event of any accident or breakdown, the vehicle shall not be left

unattended without proper precautions, being taken to prevent further damage

or loss and if the vehicle be driven before the necessary repairs are effected any

extension of the estimated number of days damage or any further damage to the

vehicle shall be entirely at the Insured's own risk.

GENERAL DEFINITIONS APPLICABLE TO SECTION 7

The following words or terms shall have the meaning ascribed to them wherever

they appear in this Policy:

“Accident or Accidental” means a sudden, unforeseen and involuntary event

caused by external, visible and violent means.

“Requires repair estimate” from preferably Automotive Manufacturer,

authorized workshop or garages.

“Daily Allowance” means the amount and period specified in the Schedule.

EXCLUSIONS APPLICABLE TO ALL SECTIONS

No indemnity is available hereunder and no payment will be made by the company

for any claim directly or indirectly caused by, based on, arising out of or howsoever

attributable to any of the following:

War, invasion, act of foreign enemy, hostilities (whether war be declared or not),

civil war, rebellion, revolution, insurrection military or usurped power of civil

commotion or loot or pillage in connection herewith.

Consequential loss of any kind or description.

Loss or damage directly or indirectly caused by or arising from or in

HDFC ERGO General Insurance Company Limited

Policy Wording

Office: 1

Floor, HDFC House, 165 - 166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Customer Service Address: 6

Floor, Leela Business Park, Andheri Kurla Road, Andheri (E), Mumbai – 400 059. For more details

HDFC ERGO General Insurance Company under license. Toll-free: 1800 2 700 700 | Fax: 91 22 66383699 | [email protected] | www.hdfcergo.com. UIN: HDFPAIP10004V010910. IRDAI Reg No. 146.

SARV SURAKSHA POLICY WORDING

consequence of or contributed to nuclear weapons material by or arising from or

in consequence of or contributed to by ionising radiation or contamination by

radioactivity from any nuclear fuel or from any nuclear waste from the

combustion of nuclear fuel (including any self-sustaining process of nuclear

fission).

Loss or damage caused by depreciation or wear and tear.

Proposer's Declaration:

I/ We accept the Terms and Conditions of the insurance policy. I/We authorize the

insurance Company to obtain any records or references, be they medical or

otherwise, in consideration of this insurance or any potential claims in the future.

I/We certify that all the information provided in this proposal and any attachments

are true and correct. I/We understand that all information provided in this proposal

and any attachments are material to the insurer's decision to provide this insurance,

and that insurance will be provided, at the insurer's sole discretion, in reliance upon

the truth of such information. I/We hereby authorize HDFC ERGO General

Insurance Company Limited to use relevant data for marketing purposes either

directly or through third party agents.

Note:

The Proposer agrees that the receipt of the Proposal Form by HDFC ERGO General

Insurance Company Limited along with the premium payment does not tantamount

to the acceptance of the Proposal for insurance by HDFC ERGO General Insurance

Company Limited and does not result in a concluded contract of insurance. The

acceptance of the Proposal for insurance shall be at the Company's sole and

absolute discretion. In the event of acceptance of the Proposal for insurance by

HDFC ERGO General Insurance Company Limited, such acceptance shall be

specifically intimated to the Proposer by HDFC ERGO General Insurance Company

Limited along with the date from which the insurance Cover shall become effective.

HDFC ERGO General Insurance Company Limited shall not be liable for any claim

in respect of an event giving rise to a claim covered under the Policy of Insurance

that has occurred prior to policy issuance and any such claim is not covered under

this policy (Your proposal form will be considered after HDFC ERGO General

Insurance Company Limited receives premium payment and realizes the same.)

Fraud Warning:

The proposer understands that if a proposal has been completed for this insurance,

then the statements and all particulars provided in such proposal, and any

attachments thereto, are material to the insurance company's decision to provide

this insurance. The proposer further understands that the insurance company will, in

its sole discretion, issue this Policy in reliance upon the truth of such statements and

particulars. This policy shall be voidable at the option of the Company in the event of

mis-representation, mis-description or non-disclosure of any material particulars by

the Proposer.

Any person who, knowingly and with intent to defraud the insurance company or any

other person, files a proposal for insurance containing any false information, or

conceals for the purpose of misleading, Information concerning any fact material

thereto, commits a fraudulent insurance act, which will render the policy voidable at

the sole discretion of the insurance company and result in a denial of insurance

benefits. If a claim is in any respect fraudulent, or if any fraudulent or false plan,

specification, estimate, deed, book, account entry, voucher, invoice or other

document, proof or explanation is produced, or any fraudulent means or devices are

used by the insured person, insured organisation, policyholder, beneficiary,

claimant or by anyone acting on their behalf to obtain any benefit under this policy, or

if any false statutory declaration is made or used in support thereof, or if loss is

occasioned by or through the procurement or with the knowledge or connivance of

the insured person, insured organisation, policyholder, beneficiary, claimant or other

person, then all benefits under this policy are forfeited.

Anti-Rebating Warning:

As per Section 41 of the Insurance Act 1938, as amended, the practice of rebating is

prohibited, as follows: No person shall allow or offer to allow, either directly or

indirectly, as an inducement to any person to take out or renew or continue an

insurance policy in respect of any kind of risk relating to lives or property in India, any

rebate of the whole or part of the commission payable or any rebate of the premium

shown on the policy, nor shall any person taking out or renewing or continuing a

policy accept any rebate, except such rebate as may be allowed in accordance with

the published prospectus or tables of the insurer. Violations of Section 41 of the

Insurance Act 1938, as amended, shall be punishable with a fine which may extend

to `10 Lakhs.

GRIEVANCE REDRESSAL PROCEDURE

At HDFC ERGO General Insurance, we are committed to serve our customers to

their satisfaction by providing fast, fair and friendly services at all times.

However, should a customer feel that our services need improvement and wish to

lodge your feedback / complaint, you may:

Call our 24X7 Toll free number 1800-2700-700 from any Landline & Mobile or 1800-

226-226 from MTNL or BSNL Phone.

For lodging a complaint online, email us to our customer service desk at

[email protected]om.

After investigating the matter internally, we will send our response within a period of

10 days.

In case the resolution is likely to take longer time, we will inform you of the same

through an interim reply.

Escalation Level 1

For lack of a response or if the response provided does not meet your expectation,

you can write to: grievance@hdfcergo.com

After examining the matter, final response would be conveyed within a period of 15

days from the date of receipt of your complaint on this e-mail id.

Escalation Level 2

In case, you are not satisfied with the decision/resolution of the above office, or have

not received any response within 15 days, you may write to: [email protected]om

Escalation Level 3

If after following Escalation Level 1 and 2 as stated above your issue remains

unresolved, you may approach the Insurance Ombudsman for Redressal.

Contact Details of Insurance Ombudsman

HDFC ERGO General Insurance Company Limited

Policy Wording

Office: 1

Floor, HDFC House, 165 - 166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Customer Service Address: 6

Floor, Leela Business Park, Andheri Kurla Road, Andheri (E), Mumbai – 400 059. For more details

HDFC ERGO General Insurance Company under license. Toll-free: 1800 2 700 700 | Fax: 91 22 66383699 | [email protected] | www.hdfcergo.com. UIN: HDFPAIP10004V010910. IRDAI Reg No. 146.

Office of the Insurance Ombudsman,

2nd Floor, Ambica House, Nr. C. U. Shah College, Ashram Road,

AHMEDABAD - 380 014.

Tel.: 079 - 27545441 / 27546139

Fax: 079 - 27546142

Email: bi[email protected]

Office of the Insurance Ombudsman,

62, Forest Park, BHUBANESHWAR - 751 009.

Tel.: 0674 - 2596455 / 2596003

Fax: 0674 - 2596429

Email: [email protected]

Office of the Insurance Ombudsman,

, T

CHENNAI - 600 018.

Tel.: 044 - 24333668 / 24335284

Fax: 044 - 24333664

Email: bi[email protected]

Office of the Insurance Ombudsman,

, S. S.

GUWAHATI - 781 001 (ASSAM).

Tel.: 0361 - 2132204 / 5

Fax: 0361 - 2732937

Email: bi[email protected]

Office of the Insurance Ombudsman,

2nd Floor, Janak Vihar Complex, 6, Malviya Nagar, Opp. Airtel,

Near New Market, BHOPAL (M.P.) - 462 003.

Tel.:- 0755 - 2769201 / 9202

Fax : 0755 - 2769203

Email: bi[email protected]

Office of the Insurance Ombudsman,

S.C.O.

, Batra Sector - D,

CHANDIGARH - 160 017.

Tel.: 0172 - 2706468 / 2705861

Fax: 0172 - 2708274

Email: bi[email protected]

Office of the Insurance Ombudsman,

2/2 A, Universal Insurance Building, Asaf Ali Road,

NEW DELHI - 110 002.

Tel.: 011 - 23237539 / 23232481

Fax: 011 - 23230858

Email: bi[email protected]

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 - 65504123 / 23312122

Fax: 040 - 23376599

Email: bi[email protected]

Office of the Insurance Ombudsman,

2nd Floor, CC 27/2603, Pulinat Bldg., Opp. Cochin Shipyard, M. G. Road,

ERNAKULAM - 682 015.

Tel.: 0484 - 2358759 / 2359338

Fax: 0484 - 2359336

Email: bi[email protected]

Office of the Insurance Ombudsman,

- 2,

LUCKNOW - 226 001.

Tel : 0522 - 2231331 / 2231330

Fax : 0522 - 2231310

Email: bi[email protected]

Office of the Insurance Ombudsman,

Ground Floor, Jeevan Nidhi II, Bhawani Singh Road,

JAIPUR - 302 005

Tel : 0141 - 2740363

Email: bi[email protected]

Office of the Insurance Ombudsman,

JP ,

Phase,

BENGALURU - 560 025.

Tel No: 080 - 22222049 / 22222048

Email: bi[email protected]

Office of the Insurance Ombudsman,

, C. R. A

KOLKATA - 700 072.

Tel : 033 - 22124339 / 22124340

Fax : 033 - 22124341

Email: bimalokpal[email protected]

Office of the Insurance Ombudsman,

3rd Floor, Jeevan Seva Annexe, S.V. Road, Santacruz (W),

MUMBAI - 400 054.

Tel : 022 - 26106928 / 26106552

Fax : 022 - 26106052

Email: bimalokpal[email protected]

Office of the Insurance Ombudsman,

2nd Floor, Jeevan Darshan, N. C. Kelkar Road, Narayanpet,

PUNE - 411 030.

Tel: 020 - 32341320

Email: bimalokpal[email protected]

Office of the Insurance Ombudsman,

, Bans,

Sector 15, Dist. Gautam Buddh Nagar,

NOIDA (U.P) - 201 301.

Tel.: 0120 - 2514250 / 2514251 / 2514253

Email: bimalokpal[email protected]

Office of the Insurance Ombudsman,

, ,

PATNA - 800 006.

Email: bimalokpal[email protected]

OFFICE OF THE GOVERNING BODY OF INSURANCE COUNCIL

Smt. Ramma Bhasin, Secretary General,

Shri Y.R. Raigar, Secretary,

, S. V. Santacruz (W),

MUMBAI - 400 054

Tel : 022 - 26106889 / 6671

Fax : 022 - 26106949

Email- [email protected]n

SARV SURAKSHA POLICY WORDING