{"uin":"IRDAN137RP0001V01201718","name":"Shri Home Care Insurance Policy","url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-home-care-insurance-policy-irdan137rp0001v01201718","insurer":{"slug":"shriram-general-insurance","name":"Shriram General Insurance Company Limited","url":"https://indiainsurances.com/insurer/shriram-general-insurance"},"line":"general","category":"home","category_name":"Home insurance","irdai_type":"Main product","kind":"product","status":"active","approved_on":"2017-09-18","withdrawn_on":null,"summary":"Shri Home Care Insurance Policy is a modular home insurance package with sections for fire and special perils, burglary, personal accident, employee compensation, plate glass, all risk, machinery breakdown, electronic equipment, baggage and public liability. It may be renewed every year, requires claim notice immediately, and insured-initiated cancellation uses short-period premium scales.","analysis":{"state":"machine","analysed_at":"2026-10-20 02:39:10.448172+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"The documents describe selectable coverage sections, but do not name plan variants.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"The policy may be renewed by mutual consent every year.","display":"Renewable every year","note":null,"quote":"This Policy may be renewed by mutual consent every year and in such event the renewal premium shall be paid to the Company on or before the date of expiry of the Policy or of the subsequent renewal thereof.","sources":[{"clause":"3.18","heading":null,"page":5,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-home-care-insurance-policy-irdan137rp0001v01201718/document/15685#c-3-18"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Claims must be notified to the Company in writing immediately. Section-specific rules include death notice within seven days under Personal Accident, loss of sight or amputation within one calendar month, Electronic Equipment notice within 14 days, and Baggage police reporting within 24 hours of discovery.","display":"Immediately in writing; PA death within seven days; loss of sight or amputation within one calendar month; Electronic Equipment within 14 days; Baggage police report within 24 hours","note":"Different sections impose additional deadlines.","quote":"In the event of any occurrence which may give rise to a claim for indemnity under the Policy the Insured shall give notice thereof to the Company in writing. Every letter, claim, summons and legal process pertaining to the coverage offered under this Policy and the Property insured covered hereunder shall be notified or forwarded to the Company immediately. ... In case of death, written notice unless reasonable cause is shown, be so given within seven days after the death, and in the event of loss of sight or amputation of limbs, written notice thereof must also be given within one calendar month after such loss of sight or amputation. ... The Company shall not in any case be liable for loss, damage or liability of which no notice has been received by the Company within 14 days of its occurrence. ... Loss or Damage not reported to local Police where the loss occurred, within 24 hours of discovery and a written report is obtained from such authority.","sources":[{"clause":"3.3","heading":null,"page":3,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-home-care-insurance-policy-irdan137rp0001v01201718/document/15685#c-3-3"},{"clause":"12(b)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-home-care-insurance-policy-irdan137rp0001v01201718/document/15685#c-12-b-14"},{"clause":"12(e)","heading":null,"page":31,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-home-care-insurance-policy-irdan137rp0001v01201718/document/15685#c-12-e-6"},{"clause":"12.2","heading":"Exclusions","page":32,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-home-care-insurance-policy-irdan137rp0001v01201718/document/15685#c-12-2"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["documentary evidence","Proof satisfactory to the Company","post-mortem examination report, if necessary","all such information and documentary evidence as the Company may require","written report"],"display":"Documentary evidence, proof satisfactory to the Company, post-mortem report if necessary, information and documentary evidence required by the Company, and a written police report for baggage losses","note":"Documents vary by section and by the Company's requirements for the claim.","quote":"The Company may after admission of liability pay to the Insured/third party the maximum indemnity amount on receiving the documentary evidence ... Proof satisfactory to the Company shall be furnished of all matters upon which a claim is based. ... a post-mortem examination report, if necessary, be furnished within the space of fourteen days after demand in writing ... furnish all such information and documentary evidence as the Company may require; ... Loss or Damage not reported to local Police where the loss occurred, within 24 hours of discovery and a written report is obtained from such authority.","sources":[{"clause":"3.5","heading":null,"page":3,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-home-care-insurance-policy-irdan137rp0001v01201718/document/15685#c-3-5"},{"clause":"12(b)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-home-care-insurance-policy-irdan137rp0001v01201718/document/15685#c-12-b-14"},{"clause":"12(d)","heading":null,"page":31,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-home-care-insurance-policy-irdan137rp0001v01201718/document/15685#c-12-d-7"},{"clause":"12.2","heading":"Exclusions","page":32,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-home-care-insurance-policy-irdan137rp0001v01201718/document/15685#c-12-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"not-stated","value":null,"display":null,"note":"The policy wording gives no general number of days for claim decision or payment; the prospectus only says claims are settled after submission of relevant documents.","quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Liability arising out of violation of any Rules and Regulation of the Govt. or Statutory authorities.","war, invasion, act of foreign enemy, hostilities or civil war, rebellion, revolution, insurrection, warlike operation","act of terrorism","ionizing radiation or contamination by radioactivity","nuclear weapons material","martial law or state of seizes","wear and tear, depreciation, gradual deterioration/ development of flaws, atmospheric or climatic condition.","willful act/gross negligence of the insured.","non-cooperation, misrepresentation, mis description or non-disclosure"],"display":"General exclusions include statutory violations, war, terrorism, radiation, nuclear weapons, martial law, wear and tear, wilful act or gross negligence, and non-cooperation or misrepresentation","note":"Section-specific exclusions also apply.","quote":"1) Liability arising out of violation of any Rules and Regulation of the Govt. or Statutory authorities. ... 2) Loss or damage directly or indirectly, proximately or remotely occasioned by or which arises out of or in connection with war, invasion, act of foreign enemy, hostilities or civil war, rebellion, revolution, insurrection, warlike operation (whether war be declared or not), usurped power or civil commotion or loss or pillage in connection therein or confiscation or detention by the order of any Government or public authority. ... 3) loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any act of terrorism regardless of any other cause or event contributing concurrently or in any other sequence to the loss. ... 4) Any loss or damage to any property whatsoever or any loss or expense whatsoever resulting or arising there from or any consequential loss and any legal liability of whatsoever nature directly or indirectly, caused by or contributed to by, or arising from ionizing radiation or contamination by radioactivity from any source whatsoever. ... 5) Any accident, loss, destruction, damage or legal liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material. ... 6) Liability arising due to martial law or state of seizes or any of the event or cause which determines the proclamation or maintenance of martial law or state of seize ... 7) Loss or damage wear and tear, depreciation, gradual deterioration/ development of flaws, atmospheric or climatic condition. ... 8) Loss or damage caused by or arising out of willful act/gross negligence of the insured. ... 9) Loss of or damage to any Property insured under this Policy in the event of non-cooperation, misrepresentation, mis description or non-disclosure in any material particular or if a claim be fraudulent or any fraudulent means or devices be used by the Insured or any one acting on his behalf to obtain any benefit under this Policy.","sources":[{"clause":"2","heading":"GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS","page":2,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-home-care-insurance-policy-irdan137rp0001v01201718/document/15685#c-2"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact the Branch Manager or Regional Manager of the local office that issued the policy. If not resolved, e-mail or write to the Chief Compliance and Grievance Officer, Shriram General Insurance Co. Ltd., E-8, EPIP, RIICO Industrial Area, Sitapura, Jaipur – 302022.","display":"Branch Manager / Regional Manager first; then Chief Compliance and Grievance Officer","note":null,"quote":"Step 1: We suggest you contact the Branch Manager / Regional Manager of the local office which has issued the Policy. The address and telephone number will be available in the Policy. Step 2: If your grievance was not resolved to your satisfaction we suggested you e-mail or write to the Chief Compliance and Grievance Officer noted below.\nContact Person: | Chief Compliance and Grievance Officer\nContact Address: | Shriram General Insurance Co. Ltd.\nE-8, EPIP, RIICO Industrial Area, Sitapura, Jaipur – 302022","sources":[{"clause":"14","heading":"Grievance Redressal Procedure","page":36,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-home-care-insurance-policy-irdan137rp0001v01201718/document/15685#c-14"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["Standard Fire & Special Perils","Burglary","Personal Accident","Employee’s Compensation","Plate Glass","All Risk Insurance","Machinery Breakdown Insurance","Electronic Equipment Insurance","Baggage Insurance","Public Liability"],"display":"10 sections: Standard Fire & Special Perils, Burglary, Personal Accident, Employee’s Compensation, Plate Glass, All Risk Insurance, Machinery Breakdown Insurance, Electronic Equipment Insurance, Baggage Insurance and Public Liability","note":"Coverage depends on the sections chosen and shown in the Policy Schedule.","quote":"10 Sections to choose from ... 1. | Standard Fire & Special Perils | Fire, Lightning, Riot, Strike and Malicious Damage, Impact Damage Explosion Implosion, Bush Fire, Earthquake, Aircraft Damage, Storm Tempest Flood Inundation and others ... 2. | Burglary | Covers loss of or damage to the property due to Burglary ... 3. | Personal Accident | Accidental Death & Permanent Total Disability, ... 4. | Employee’s Compensation | The Employee Compensation Act, 1923 provides for the payment of compensation by the employer to his employees ... 5. | Plate Glass | Covers accidental loss or breakage of plate glass against ... 6. | All Risk Insurance | All risk cover including theft & terrorism ... 7. | Machinery Breakdown Insurance | Breakdown of Electrical and mechanical appliances ... 8. | Electronic Equipment Insurance | Breakdown of Electronic devices. ... 9. | Baggage Insurance | Loss of baggage whilst in journey due to theft, burglary, ... 10. | Public Liability | Indemnity against third party property damage and bodily injury","sources":[{"clause":"3.1","heading":"10 Sections to choose from","page":1,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-home-care-insurance-policy-irdan137rp0001v01201718/document/15705#c-3-1"},{"clause":"Row 1","heading":"Standard Fire & Special Perils","page":1,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-home-care-insurance-policy-irdan137rp0001v01201718/document/15705#c-row-1"},{"clause":"Row 2","heading":"Burglary","page":1,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-home-care-insurance-policy-irdan137rp0001v01201718/document/15705#c-row-2"},{"clause":"Row 3","heading":"Personal Accident","page":1,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-home-care-insurance-policy-irdan137rp0001v01201718/document/15705#c-row-3"},{"clause":"3.2","heading":"Numerous Add-on Covers","page":1,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-home-care-insurance-policy-irdan137rp0001v01201718/document/15705#c-3-2-2"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"quote-verified","value":"Deductible means the amount stated in the Schedule and is borne for each and every claim. The wording also states compulsory excesses of 0.25% of claim amount subject to a minimum of Rs. 1000/- for Burglary and All Risk sections.","display":"As stated in the Schedule; Burglary and All Risk excess 0.25% of claim amount subject to minimum Rs. 1000/-","note":"Deductibles and excesses vary by section; some amounts are stated in the Schedule.","quote":"“Deductible” means the amount stated in the Schedule which shall be borne by the Insured in respect of each and every Claim made under this Policy. The Company's liability to make any payment under the Policy is in excess of the Deductible ... Compulsory Excess: 0.25% of claim amount subject to a minimum of Rs. 1000/- ... EXCESS: 0.25% of claim amount subject to a minimum of Rs. 1000/-","sources":[{"clause":null,"heading":"Capital Sum Insured","page":2,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-home-care-insurance-policy-irdan137rp0001v01201718/document/15685#c-capital-sum-insured"},{"clause":"12(h)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-home-care-insurance-policy-irdan137rp0001v01201718/document/15685#c-12-h-2"},{"clause":null,"heading":"CONDITIONS OF SECTION VI","page":26,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-home-care-insurance-policy-irdan137rp0001v01201718/document/15685#c-conditions-of-section-vi"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The insured may cancel by giving 15 days' written notice. The company retains premium for the period in force on the short period scale, from 10% of annual rate for not exceeding 1 week up to full annual rate for exceeding 8 months.","display":"15 days’ notice; refund after retaining short-period premium scale","note":null,"quote":"The Insured may also give 15 days‟ notice in writing, to the Company, for the cancellation of this policy, in which case the Company shall retain the premium for the period this Policy has been in force at the Company‟s short period scales.\nSHORT PERIOD SCALE\nPolicy Period Required | % of Annual Rate\nNot exceeding 1 week | 10 % of Annual Rate\nNot exceeding 1 month | 25 % of Annual Rate\nNot exceeding 2 months | 35 % of Annual Rate\nNot exceeding 3 months | 50 % of Annual Rate\nNot exceeding 4 months | 60 % of Annual Rate\nNot exceeding 6 months | 75 % of Annual Rate\nNot exceeding 8 months | 85 % of Annual Rate\nExceeding 8 months | Full Annual Rate","sources":[{"clause":"3.7","heading":null,"page":4,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-home-care-insurance-policy-irdan137rp0001v01201718/document/15685#c-3-7"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"The general condition says no claim is payable unless the cause of action arises in India and liability is established in an Indian court. Section-wise, Personal Accident cover is worldwide, Public Liability applies anywhere in India, and Baggage applies within territorial limits specified in the Schedule.","display":"General condition India; Personal Accident worldwide; Public Liability anywhere in India; Baggage as per territorial limits in the Schedule","note":"Territory differs by section; some sections refer to territorial limits in the Schedule.","quote":"No claim shall be payable under this Policy unless the cause of action arises in India and the liability to pay claim established against the Insured in any Indian court. ... The cover is worldwide. ... The Company will indemnify the Insured against their legal liability (other than liability under the Public Liability Insurance Act, 1991 or any other Statute based on the doctrine of \"No Fault liability\") to pay compensation including claimant's costs, fees and expenses anywhere in India, in accordance with Indian Law. ... The Policy covers the loss of or damage to Baggage due to accident/ Burglary/ housebreaking/ theft or personal mishap whilst on journey, anywhere in the Territorial Limits specified in the Schedule.","sources":[{"clause":"3.10","heading":null,"page":4,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-home-care-insurance-policy-irdan137rp0001v01201718/document/15685#c-3-10"},{"clause":"12(c)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-home-care-insurance-policy-irdan137rp0001v01201718/document/15685#c-12-c-7"},{"clause":"13","heading":"Section X - Public Liability","page":32,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-home-care-insurance-policy-irdan137rp0001v01201718/document/15685#c-13"},{"clause":"12(e)","heading":null,"page":31,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-home-care-insurance-policy-irdan137rp0001v01201718/document/15685#c-12-e-6"}],"law":[]},{"key":"building_cover","label":"Building cover","section":"Cover","meaning":"Cover for the structure and how its value is set.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"contents_cover","label":"Contents cover","section":"Cover","meaning":"Cover for household goods, jewellery and valuables, and limits.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"burglary","label":"Burglary and theft","section":"Cover","meaning":"Whether burglary is covered.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"rent_loss","label":"Rent and alternative accommodation","section":"Cover","meaning":"Cover for rent lost or a temporary home after damage.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"sum_insured_basis","label":"Sum insured basis","section":"Cover","meaning":"How the cover amount is set: market value, reinstatement value, agreed value, IDV.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"under_insurance","label":"Under-insurance (average) clause","section":"Limits and co-pay","meaning":"If the sum insured is less than the real value, claims are cut in proportion.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Shri Home Care Insurance Policy (policy wordings)","pages":38,"fetched_at":"2026-10-17 20:04:46+00","source_url":"https://cdn.shriramgi.com/webassets/download/policy-wordings/bf9d5abe-7c8d-403b-b90d-9679ce1ab2ec_55%20-%20Shri%20Home%20Care%20Insurance%20Policy.pdf","url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-home-care-insurance-policy-irdan137rp0001v01201718/document/15685"},{"kind":"wording","label":"Shri Home Care Insurance Policy (IRDAI copy)","pages":38,"fetched_at":"2026-10-20 00:44:53+00","source_url":"https://irdai.gov.in/documents/37343/993134/196_GEN1943.pdf/5a6bc488-fa9c-9200-818e-0a394f6e7aa2?version=1.1&t=1668414292792&download=true","url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-home-care-insurance-policy-irdan137rp0001v01201718/document/24500"},{"kind":"prospectus","label":"Shri Home Care Insurance Policy (prospectus)","pages":6,"fetched_at":"2026-10-17 20:05:24+00","source_url":"https://cdn.shriramgi.com/webassets/download/prospectus/907a9d60-6a83-4a86-99e8-75337796936d_55%20-%20Shri%20Home%20Care%20Insurance%20Policy.pdf","url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-home-care-insurance-policy-irdan137rp0001v01201718/document/15705"}],"versions":[{"uin":"IRDAN137P0001V01201718","version":null,"approved_on":null},{"uin":"IRDAN137RP0001V01201718","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Shriram General Insurance official website","url":"https://www.shriramgi.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claims","url":"https://www.shriramgi.com/claims","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal mechanism","url":"https://www.shriramgi.com/grievance-redressal-mechanism","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"renew","kind":"insurer","name":"Bike insurance renewal","url":"https://www.shriramgi.com/bike-renewal","note":null},{"purpose":"renew","kind":"insurer","name":"Car insurance renewal","url":"https://www.shriramgi.com/car-renewal","note":null}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Shri Home Care Insurance Policy (UIN IRDAN137RP0001V01201718), IndiaInsurances, https://indiainsurances.com/policy/shriram-general-insurance/shri-home-care-insurance-policy-irdan137rp0001v01201718"}