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All you need to know

OVERVIEW

The joy of creating lifetime memories with loved ones is best experienced at home. An individual can secure their home against natural calamities and man-made conditions with a Comprehensive Home Insurance Policy. The SmartPlan Householder’s Package Policy from ICICI Lombard financially secures the home at all times

FEATURES

Sum Insured Enhancement

Automatic increase in Sum Insured of up to 10% for new items purchased during the policy period

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Over-the-counter plans available

Enjoy coverage of different plans and customize them with add-ons.

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Comprehensive Coverage provided

Coverage is provided coverage against theft, natural disasters, man-made damages, loss of documents, etc.

Also, one can also receive unique benefit of accidental death or theft coverage for up to 3 pedigree pets.


One also receives compensation towards bodily injury, solely and directly, caused by accidental, violent, external and visible means resulting in death or permanent or partial disablement of the Insured Person, as the case may be.

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End-to-End Claim Assistance

Get 24/7 Claim Assistance & strong customer support with ICICI Lombard

INCLUSIONS EXCLUSIONS
  • Cover against fire and allied perils for
  • Building, fixtures & fitting, and
  • renovation
    Cover against fire, allied perils and burglary for
  • Home contents, valuable, appliances and jewellery
  • Newly purchased contents up to 10% of the sum insured
    Cover against loss or damage of household goods in transit within India
 Loss or Damage to insured property caused by war or war like operations
Cracking, scratching or breakage of lens in respect of articles of brittle and fragile nature
Wilful act or negligence of the insured
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ADD-ON COVERS

For complete protection, one can add ICICI Lombard range of optional covers to their Home Insurance policy.

Jewellery and valuable cover

Includes coverage for jewellery (gold and silver) and valuables (camera, watches, etc.) against fire, burglary, theft, waylaying, snatching, and natural calamities.

Domestic Appliances cover

Includes coverage for domestic appliances (refrigerator, washing machine, etc.) against fire, burglary (excluding theft), natural calamities and breakdown.

Terrorism cover

Coverage is provided against any damages or losses to the Insured home and contents in it caused due to any acts of terrorism

ELIGIBILITY CRITERIA

  • Can be purchased by individuals - tenants or owners.
  • To buy Home Insurance for the society, the person should be member of the society’s managing committee.
  • Commission from General Insurance

Frequently Asked Questions

Terrorism cover insures one’s home and its contents against any damages/ losses caused due to any acts of terrorism (TERRORISTS). It is an optional cover.

Notify the claim by calling or emailing Bharti AXA at 1800-103-2292 (Toll free) or claims@bhartiaxagi.co.in respectively. Provide relevant information which includes the insured’s policy number and other details regarding the claim.

One can get in touch with Bharti AXA through our number 080 - 49123900 or email Bharti AXA at customer.service@bhartiaxagi.co.in, for getting the details of the policy.

Coverage against loss or damage to house hold items during removal and shifting of contents and appliances (excluding jewels and valuables) to new building within India due to fire, lightning, breakage of bridges, collision with carrying vehicles, overturning of carrying vehicle or derailment of carrying railway wagon/vehicle is offered under the policy.

Documents required for filling a claim are:

  • Claim form duly completed in all aspects and signed by the insured/claimant, providing a clear description of the occurrence.
  • FIR/ Final Police report in case of property damage or theft or burglary.
  • Copy of repair estimates, invoices, money receipts etc.
  • For Personal Accident case - Medical reports/discharge summary/Disability Certificate issued by Civil Surgeon or equivalent as authorized by State Government/Post Mortem Report/ Death Certificate whichever is required
  • Autopsy and post-mortem report of the pet by a qualified veterinary surgeon, in the case of pet insurance.
  • Any additional documents required can be called for on a case to case basis.

Usually, the claim will be settled within 10 days of receipt of all documents post submission of all documents as required by the insurer for accessing loss.

Insuring building or structure is optional while buying Home Insurance. It is advisable to insure buildings to cover unexpected disasters like fire, allied perils including earthquake, lightning, riots and natural calamity, etc. Bharti AXA Home Insurance covers building, fixtures, fitting and renovation and also underground services like drain, sewer, electricity cable, etc. It also includes cover in respect of capital additions and alterations. Additional benefits include loss in respect of lock & key and fire extinguishing expense.

In respect of residential buildings financed by bank/financial institutions, one can buy a Home Insurance policy and have the interest of financier endorsed. Please provide the name of the bank and branch as hypothecation while buying the policy.