This advertisement is designed for combination of Benefits of two or more individual and separate products named HDFC ERGO

- Bharat Griha Raksha, Home

EXCESS/ DEDUCTIBLES Insurance (Revision)- Multi Year Policy and Home Shield Insurance. These products are also available for sale individually without the combination offered /
suggested. The customer is advised to refer the detailed sales brochure of respective individual products mentioned herein before concluding the sale.
 HDFC ERGO - Bharat Griha Raksha - Nil
 Home Insurance - Nil
 Home Shield Insurance - Compulsory deductible of Rs. 5,000/- for claims

BROAD EXCLUSIONS
HDFC ERGO - Bharat Griha Raksha
 Loss and/or damage arising out of War, Invasion, Act of Foreign enemy, hostilities, etc
 Consequential Loss
 Willful Misconduct or Negligence

Home Insurance
 Loss or damage caused by depreciation or wear and tear and consequential loss of any kind
 Loss, destruction or damage to articles of consumable nature, livestock and motor vehicles. SECURE
YOUR HOME
 To securities, documents of any kind, stamps, coins, cash/paper money, deeds, ATM cards,
credit cards, charge cards, bonds, bills of exchange, promissory notes, or any other negotiable
instrument, books of accounts or any other business books, and explosives.

Home Shield Insurance

 Damage caused by pollution or contamination
IN & OUT !
 Loss for which the manufacturer is responsible

CLAIM PROCEDURE
In the event of any claim,
1] Call our customer care nos. 022 - 6234 6234 / 0120 - 6234 6234
2] Register the claim at the earliest with the details of
 Nature of loss
 Location of loss
 Amount of loss (approx. estimation)
 Policy number
3] Once we receive full and final documentation, we will process the claim with prompt
turnaround times. For details, kindly refer Policy Wordings.
Section 41 of Insurance Act 1938 (Prohibition of Rebates):
1. No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take or renew or
continue an insurance 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 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 prospectus or
tables of the insurers.
2. Any person making default in complying with the provision of this section shall be punishable with fine which may extend
to Ten Lakh Rupees

To know more, talk to our staff today.

^For Home Building Cover only. *Additional premium will be charged for optional coverages. HDFC ERGO General Insurance Company Limited. IRDAI Reg.
No.146. CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg,
Churchgate, Mumbai – 400 020. For more details on the risk factors, terms and conditions, please read the sales brochure/ prospectus before concluding
the sale. Trade Logo displayed above belongs to HDFC Ltd and ERGO International AG and used by the Company under license. The above mentioned
product is underwritten by HDFC ERGO General Insurance Company Limited. HDFC Bank Limited (Senapati Bapat Marg, Lower Parel, Mumbai - 400 013)
is an authorized corporate agent of HDFC ERGO General Insurance Company Limited. IRDAI License No. CA0010. UIN: HDFC ERGO - Bharat Griha
Raksha - IRDAN125RP0003V01202021, Home Insurance( Revision)- Multi Year Policy - IRDAN125RP0017V02201415 and Home Shield Insurance -
IRDAN125P0001V01201718. UID: 8045.
We all know that for most Indians, buying their own home has been a long-cherished dream. But
what they fail to realise is that once they’ve made their dream come true, they need to secure it from Home Insurance (For Content)
any unforeseen damages and losses too. With home protection insurance plans by HDFC ERGO, you
can live peacefully knowing that if your home or belongings are ever in danger, we’re there to shield COVERAGES
you from the losses. HDFC ERGO - Bharat Griha Raksha covers and burglary including theft.

USPs
OPTIONS
Fire and Burglary /theft cover for Contents.
Option 1: HDFC ERGO - Bharat Griha Raksha (For Structure)
Option 2: HDFC ERGO - Bharat Griha Raksha (For Structure) + Home Insurance (For Content) Long term Coverage of 5 years.
Option 3: HDFC ERGO - Bharat Griha Raksha (For Structure) + Home Shield Insurance (For Content) Rs.10 Lakhs Sum Insured for contents

WHAT WE COVER
Home Shield Insurance (For Content)
HDFC ERGO - Bharat Griha Raksha (For Structure)
COVERAGES
COVERAGES Fire and Allied Perils Covers + Burglary/Theft cover + Electrical / Mechanical
Breakdown + Accidental Damage.
Fire Lightning
USPs
Explosion/ Implosion Aircraft Damage Comprehensive all risks cover to Contents against any fortuitous event other than those
specifically excluded in the policy document.
Riot/Strike Malicious
Impact damage (of any kind) Auto cover for newly purchased items - i.e. Any new content brought within the policy
Damage
period will automatically get covered under this insurance.
Earthquake Missile testing Long term Coverage of 5 years.
Storm, Typhoon, Hurricane, Tornado, Subsidence and landslide Rs.10 Lakhs Sum Insured for contents
Flood and Inundation including Rock slide

Bursting and overflowing of

Bush fire
water tanks, apparatus and Pipes PREMIUM ILLUSTRATION
Option 1 Option 2 Option 3
Terrorism Cover*
Coverage for Sum Insured Coverage for Sum Insured Coverage for Sum Insured

Structure ` 10,00,000 Structure ` 10,00,000 Structure ` 10,00,000

USPs
Content ` 10,00,000 Content ` 10,00,000
Auto escalation @10% every year^
Policy Tenure: 5 Years
No Excess – except Exclusions and Excess as per Terrorism Clause
` 4,150 ` 19,550 ` 35,350
Maximum policy period up to 10 years Policy Tenure: 10 Years
` 8,300 ` 23,700 ` 39,500

Note: Premium is excluding GST, Content coverage tenure is fixed for 5 years irrespective of policy tenure.