{"uin":"IRDAN162CPPR0017V01202425","name":"Kshema Home Insurance Policy","url":"https://indiainsurances.com/policy/kshema-general-insurance/kshema-home-insurance-policy-irdan162cppr0017v01202425","insurer":{"slug":"kshema-general-insurance","name":"Kshema General Insurance Limited","url":"https://indiainsurances.com/insurer/kshema-general-insurance"},"line":"general","category":"home","category_name":"Home insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Kshema Home Insurance Policy covers physical loss, damage or destruction to insured property by fire during the policy period. The policy term can be up to 25 years, with building and contents indemnity on reinstatement value or Market Value as opted by the insured.","analysis":{"state":"machine","analysed_at":"2026-10-20 05:28:18.843615+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":null,"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 Term can be up to 25 years as opted by the insured.","display":"up to 25 years","note":null,"quote":"The Policy Term can be upto 25 years as Opted by the Insured.","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/kshema-general-insurance/kshema-home-insurance-policy-irdan162cppr0017v01202425/document/11456#c-s1"}],"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":"The insured must immediately notify the company by telephone as well as in writing, and the policy also says no notice and completed claim form within Fourteen days means no liability. The claims procedure says intimation is required at the earliest possible time and that no claim shall be rejected or closed for delayed intimation.","display":"Immediately by telephone and in writing; no notice and completed claim form within Fourteen days means no liability","note":"The same wording contains both the Fourteen-day no-liability condition and the later statement that no claim shall be rejected or closed for delayed intimation.","quote":"a) immediately notify the Company by telephone as well as in writing, giving an indication as to the nature and extent of loss or damage. ... The Company shall not be liable for any loss or damage of which no notice and completed claim form have been received by the Company within Fourteen days of its occurrence. ... On the happening of any loss or damage Policyholder or the claimant, as applicable, is required to intimate the insurer, about the happening of a claim under the insur-ance policy, at the earliest possible time ... No claim shall be rejected or closed for want of documents or for delayed intimation of claim.","sources":[{"clause":"17(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/kshema-general-insurance/kshema-home-insurance-policy-irdan162cppr0017v01202425/document/11456#c-17-a-3"},{"clause":"17(d)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/kshema-general-insurance/kshema-home-insurance-policy-irdan162cppr0017v01202425/document/11456#c-17-d-2"},{"clause":"17(I)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/kshema-general-insurance/kshema-home-insurance-policy-irdan162cppr0017v01202425/document/11456#c-17-i"},{"clause":"17(II)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/kshema-general-insurance/kshema-home-insurance-policy-irdan162cppr0017v01202425/document/11456#c-17-ii"}],"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":["claim form","FIR","Un-traced Report","Fire Brigade Report","repair bills (only in cases where cashless is not available)","Particulars of all other insurances, if any","further particulars, plans, specification books, vouchers, invoices, duplicates or copies thereof, docu-ments, investigation reports (internal/external), proofs and information"],"display":"Claim form, FIR, Un-traced Report, Fire Brigade Report, repair bills where applicable, particulars of other insurances, and further particulars, plans, vouchers, invoices, documents, investigation reports, proofs and information","note":null,"quote":"The customer will submit only those documents that are directly related to the claim such as claim form, FIR, Un-traced Report, Fire Brigade Report, repair bills (only in cases where cashless is not available), wherever applicable. ... V) Particulars of all other insurances, if any 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, docu-ments, investigation reports (internal/external), proofs and information","sources":[{"clause":"17(IV)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/kshema-general-insurance/kshema-home-insurance-policy-irdan162cppr0017v01202425/document/11456#c-17-iv"},{"clause":"17(V)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/kshema-general-insurance/kshema-home-insurance-policy-irdan162cppr0017v01202425/document/11456#c-17-v"}],"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":"quote-verified","value":"The insurer will offer settlement within 30 days from receipt of the final survey report or additional survey report and all required relevant and necessary information/documents. If not settled within 30 days, interest is payable at 2% above the bank rate from receipt of the last relevant and necessary document until actual payment.","display":"Within 30 days from final survey report/additional survey report and all required relevant documents; interest at 2% above bank rate if delayed","note":null,"quote":"On receipt of the final survey report or the additional survey report, as the case may be, and on receipt of all required information/documents that are relevant and necessary for the claim, we will within a period of 30 days offer a settlement of the claim to you. ... In the event the claim is not settled within 30 days as stipulated above, we will be liable to pay interest at a rate, which is 2% above the bank rate from the date of receipt of last relevant and necessary document from you by us till the date of actual payment.","sources":[{"clause":"17(VII)(b)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/kshema-general-insurance/kshema-home-insurance-policy-irdan162cppr0017v01202425/document/11456#c-17-vii-b"}],"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":["Loss, destruction or damage to bullion or unset precious stones, any curios or works of art for an amount exceeding Rs.10000/-","Fire: Excluding destruction or damage caused to the Property insured by its own fermentation, natural heating or spontaneous combustion","Loss or damage occasioned by or through or in consequence directly or indirectly due to Earthquake, Volcanic eruption or other convulsions of nature","The amount of the Excess specified in the Schedule","Damage caused by any process of cleaning, dyeing or bleaching, restoring, repairing or renovation or deterioration arising from wear and tear, moth, vermin, insects or mildew","Loss or damage which either in origin or extent or directly or indirectly proximately or remotely, occasioned by or contributed to by, arise out of or in connection with war","ionising radiation or contamination by radioactivity","Nuclear Weapons Material","pollution or contamination","any functioning or malfunctioning of the internet or similar facility","Permanent or temporary dispossession resulting from confiscation, commandeering or requisition by any lawfully constituted authority","any act of terrorism"],"display":"Main exclusions include bullion/unset precious stones and curios/works of art over Rs.10000/-, specified fire exclusions, earthquake/volcanic eruption, excess, cleaning/repair/wear and tear, war, radiation, nuclear weapons material, pollution/contamination, internet/data losses, confiscation/requisition, and terrorism","note":null,"quote":"1 Loss, destruction or damage to bullion or unset precious stones, any curios or works of art for an amount exceeding Rs.10000/- ... 2 Fire: Excluding destruction or damage caused to the Property insured by a) its own fermentation, natural heating or spontaneous combustion. ... Any Loss or damage occasioned by or through or in conse quence directly or indirectly due to Earthquake, Volcanic eruption or other convulsions of nature. ... The amount of the Excess specified in the Schedule ... Damage caused by any process of cleaning, dyeing or bleaching, restoring, repairing or renovation or deterioration arising from wear and tear, moth, vermin, insects or mildew ... Loss or damage which either in origin or extent or directly or indirectly proximately or remotely, occasioned by or contributed to by, arise out of or in connection with war ... ionising radiation or contamination by radioactivity ... Nuclear Weapons Material. ... pollution or contamination ... any functioning or malfunctioning of the internet or similar facility ... Permanent or temporary dispossession resulting from confiscation, commandeering or requisition by any lawfully constituted authority. ... This Policy excludes loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any act of terrorism","sources":[{"clause":"1","heading":"Loss, destruction or damage to bullion or unset precious","page":2,"url":"https://indiainsurances.com/policy/kshema-general-insurance/kshema-home-insurance-policy-irdan162cppr0017v01202425/document/11456#c-1"},{"clause":"2","heading":"Fire: Excluding destruction or damage caused to the","page":2,"url":"https://indiainsurances.com/policy/kshema-general-insurance/kshema-home-insurance-policy-irdan162cppr0017v01202425/document/11456#c-2"},{"clause":"4","heading":"Any Loss or damage occasioned by or through or in conse","page":2,"url":"https://indiainsurances.com/policy/kshema-general-insurance/kshema-home-insurance-policy-irdan162cppr0017v01202425/document/11456#c-4"},{"clause":"6","heading":"The amount of the Excess specified in the Schedule","page":2,"url":"https://indiainsurances.com/policy/kshema-general-insurance/kshema-home-insurance-policy-irdan162cppr0017v01202425/document/11456#c-6"},{"clause":"7","heading":"Damage caused by any process of cleaning, dyeing or","page":2,"url":"https://indiainsurances.com/policy/kshema-general-insurance/kshema-home-insurance-policy-irdan162cppr0017v01202425/document/11456#c-7"},{"clause":"8","heading":"Loss or damage which either in origin or extent or directly","page":2,"url":"https://indiainsurances.com/policy/kshema-general-insurance/kshema-home-insurance-policy-irdan162cppr0017v01202425/document/11456#c-8"},{"clause":"10","heading":"Any loss, destruction or damage to any Property whatsoev","page":2,"url":"https://indiainsurances.com/policy/kshema-general-insurance/kshema-home-insurance-policy-irdan162cppr0017v01202425/document/11456#c-10"},{"clause":"11","heading":"Any loss, destruction, damage or legal liability directly or","page":2,"url":"https://indiainsurances.com/policy/kshema-general-insurance/kshema-home-insurance-policy-irdan162cppr0017v01202425/document/11456#c-11"},{"clause":"14","heading":"Loss, destruction or damage caused to the Property","page":3,"url":"https://indiainsurances.com/policy/kshema-general-insurance/kshema-home-insurance-policy-irdan162cppr0017v01202425/document/11456#c-14"},{"clause":"15","heading":"Loss damage or consequential loss directly or indirectly","page":3,"url":"https://indiainsurances.com/policy/kshema-general-insurance/kshema-home-insurance-policy-irdan162cppr0017v01202425/document/11456#c-15"},{"clause":"16","heading":"Permanent or temporary dispossession resulting from","page":3,"url":"https://indiainsurances.com/policy/kshema-general-insurance/kshema-home-insurance-policy-irdan162cppr0017v01202425/document/11456#c-16"},{"clause":"17","heading":"Terrorism Damage Exclusion Warranty","page":3,"url":"https://indiainsurances.com/policy/kshema-general-insurance/kshema-home-insurance-policy-irdan162cppr0017v01202425/document/11456#c-17"}],"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 policy issuing office by writing to Kshema General Insurance Limited, or email customer.support@kshema.co, or use the Kshema Application, or call 1800 572 3013. If not satisfied, escalate to grievance.cell@kshema.co or gro@kshema.co, call 1800 570 2998, write to the Grievance Redressal Office, or use the Grievance Redressal section on www.kshema.co.","display":"First policy issuing office/customer.support@kshema.co/Kshema Application/1800 572 3013; then grievance.cell@kshema.co or gro@kshema.co/1800 570 2998/Grievance Redressal Office or website","note":null,"quote":"If You have any query or grievance about any matter relating to the Policy, or Our decision on any matter, or the claim, You can address your grievance as follows: ... For resolution of any query, You may contact the Policy issuing office by writing to Us at Kshema General Insurance Limited, Regd. Office:# 413, 4th Floor, My Home Tycoon, Kundan Bagh, Begumpet, Hyderabad, Telangana, India- 500016. or email Us at customer.support@kshema.co or through Kshema Application or call us at 1800 572 3013 (toll-free) ... If You are not satisfied with the resolution provided, You may escalate to our E-mail grievance.cell@kshema.co or gro@kshema.co or call us at 1800 570 2998 (toll-free) or can write to us at Grievance Redressal Office, Kshema General Insurance Limited, Regd. Office:# 413, 4th Floor, My Home Tycoon, Kundan Bagh, Begumpet, Hyderabad, Telangana, India- 500016 or at the sub section “Grievance Redressal” on our website www.kshema.co.","sources":[{"clause":"17(VII)(b)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/kshema-general-insurance/kshema-home-insurance-policy-irdan162cppr0017v01202425/document/11456#c-17-vii-b"}],"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":["fire causing unforeseen events during the Policy Period"],"display":"Fire causing unforeseen events during the Policy Period","note":null,"quote":"I- Fire Coverage: We give insurance cover for physical loss or damage, or destruction caused to Insured Property by fire causing unforeseen events during the Policy Period.","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/kshema-general-insurance/kshema-home-insurance-policy-irdan162cppr0017v01202425/document/11456#c-s1"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"quote-verified","value":"A minimum of 1% of the basic sum insured or 10,000/- applies for a claim.","display":"Minimum of 1% of the basic sum insured or 10,000/- for a claim","note":null,"quote":"9. Deductible: A minimum of 1% of the basic sum insured or 10,000/- for a claim.","sources":[{"clause":"17(d)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/kshema-general-insurance/kshema-home-insurance-policy-irdan162cppr0017v01202425/document/11456#c-17-d"}],"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":"You can cancel the policy at any time during the term. If the term is up to one year and no claim has been made, the insurer refunds proportionate premium for the unexpired policy period; if a claim is intimated, no premium is refunded, except that for a policy term more than 1 year the premium for unexpired period is refunded in full after the commenced year is not refunded.","display":"Cancel any time; proportionate unexpired premium if term up to one year and no claim; no refund if a claim is intimated except unexpired period in full for terms over 1 year","note":null,"quote":"You can cancel the policy at any time during the term, by informing us. In case you can-cel the policy, you are not required to give reasons for the cancellation. ... Refund proportionate premium for unexpired policy period, if the term of the policy is up to one year and there is no claim(s) made during the policy period. ... Refund premium for the unexpired policy period, in respect of policy with the term more than one year and the risk coverage for such policy years has not commenced. ... In case a claim is intimated on the policy, no premium shall be refunded upon cancellation under any circumstances. In case of policy term is more than 1 year, the premium for the year where risk has commenced will not be refunded and the premium for unexpired period shall be refunded in full.","sources":[{"clause":"17(d)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/kshema-general-insurance/kshema-home-insurance-policy-irdan162cppr0017v01202425/document/11456#c-17-d-3"},{"clause":"17(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/kshema-general-insurance/kshema-home-insurance-policy-irdan162cppr0017v01202425/document/11456#c-17-a-8"},{"clause":"17(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/kshema-general-insurance/kshema-home-insurance-policy-irdan162cppr0017v01202425/document/11456#c-17-b-8"},{"clause":"17(c)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/kshema-general-insurance/kshema-home-insurance-policy-irdan162cppr0017v01202425/document/11456#c-17-c-4"}],"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":"not-stated","value":null,"display":null,"note":"The wording refers to insured premises/place(s) declared in the Schedule, but does not state a geographic territory such as India or worldwide.","quote":null,"sources":[],"law":[]},{"key":"building_cover","label":"Building cover","section":"Cover","meaning":"Cover for the structure and how its value is set.","status":"quote-verified","value":"Home building is covered for physical loss, damage or destruction caused by fire during the policy period. The sum insured is to be equal to market value unless reinstatement value basis is opted, and indemnity for Building is on reinstatement value or Market Value as opted by the insured.","display":"Building covered for fire damage; sum insured equal to market value or reinstatement value if opted","note":null,"quote":"I- Fire Coverage: We give insurance cover for physical loss or damage, or destruction caused to Insured Property by fire causing unforeseen events during the Policy Period. It is the requirement of this Insurance that the Sum Insured shall be equal to the market value. Insured may also opt for reinstatement value Sum Insured basis for home building, home contents. The indemnity in respect of Building and Contents, shall be on the basis of reinstatement value or Market Value, as opted by the Insured.","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/kshema-general-insurance/kshema-home-insurance-policy-irdan162cppr0017v01202425/document/11456#c-s1"}],"law":[]},{"key":"contents_cover","label":"Contents cover","section":"Cover","meaning":"Cover for household goods, jewellery and valuables, and limits.","status":"quote-verified","value":"Contents are items declared for insurance and specified in the Schedule, and home contents can be insured on reinstatement value or Market Value basis as opted. Bullion or unset precious stones, and curios or works of art over Rs.10000/-, are excluded unless otherwise expressly stated in the policy.","display":"Contents declared in the Schedule covered on reinstatement value or Market Value basis; bullion/unset precious stones and curios/works of art over Rs.10000/- excluded unless expressly stated","note":null,"quote":"“Contents” means items declared for insurance and specified in the Schedule. ... Insured may also opt for reinstatement value Sum Insured basis for home building, home contents. The indemnity in respect of Building and Contents, shall be on the basis of reinstatement value or Market Value, as opted by the Insured. ... 1 Loss, destruction or damage to bullion or unset precious stones, any curios or works of art for an amount exceeding Rs.10000/-","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/kshema-general-insurance/kshema-home-insurance-policy-irdan162cppr0017v01202425/document/11456#c-s1"},{"clause":"1","heading":"Loss, destruction or damage to bullion or unset precious","page":2,"url":"https://indiainsurances.com/policy/kshema-general-insurance/kshema-home-insurance-policy-irdan162cppr0017v01202425/document/11456#c-1"}],"law":[]},{"key":"burglary","label":"Burglary and theft","section":"Cover","meaning":"Whether burglary is covered.","status":"not-stated","value":null,"display":null,"note":"The wording defines Theft and Robbery, but the stated Scope of Cover is Fire Coverage and no burglary/theft cover grant is stated.","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":"quote-verified","value":"The sum insured is required to be equal to the market value. The insured may also opt for reinstatement value sum insured basis for home building and home contents, and indemnity for Building and Contents is on the basis of reinstatement value or Market Value as opted.","display":"Market value; reinstatement value optional for home building and home contents","note":null,"quote":"It is the requirement of this Insurance that the Sum Insured shall be equal to the market value. Insured may also opt for reinstatement value Sum Insured basis for home building, home contents. The indemnity in respect of Building and Contents, shall be on the basis of reinstatement value or Market Value, as opted by the Insured.","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/kshema-general-insurance/kshema-home-insurance-policy-irdan162cppr0017v01202425/document/11456#c-s1"}],"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":"Policy Wordings","pages":10,"fetched_at":"2026-10-17 19:49:11+00","source_url":"https://kshema.co/policy-documents/fire-insurance/kshema-home-insurance/2026/05june2026/policy-wordings.pdf","url":"https://indiainsurances.com/policy/kshema-general-insurance/kshema-home-insurance-policy-irdan162cppr0017v01202425/document/11456"},{"kind":"prospectus","label":"Prospectus","pages":2,"fetched_at":"2026-10-17 19:49:09+00","source_url":"https://kshema.co/policy-documents/fire-insurance/kshema-home-insurance/2026/05june2026/prospectus.pdf","url":"https://indiainsurances.com/policy/kshema-general-insurance/kshema-home-insurance-policy-irdan162cppr0017v01202425/document/11452"},{"kind":"cis","label":"Customer Information Sheet","pages":6,"fetched_at":"2026-10-17 19:49:07+00","source_url":"https://kshema.co/policy-documents/fire-insurance/kshema-home-insurance/2026/05june2026/customer-information-sheet.pdf","url":"https://indiainsurances.com/policy/kshema-general-insurance/kshema-home-insurance-policy-irdan162cppr0017v01202425/document/11451"}],"versions":[{"uin":"IRDAN162RPPR0017V01202425","version":null,"approved_on":null},{"uin":"IRDAN162CPPR0017V01202425","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Kshema General Insurance official website","url":"https://kshema.co/","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":"Claim intimation","url":"https://kshema.co/claim-intimation/","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","url":"https://kshema.co/grievance-redressal/","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."}],"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":"Kshema Home Insurance Policy (UIN IRDAN162CPPR0017V01202425), IndiaInsurances, https://indiainsurances.com/policy/kshema-general-insurance/kshema-home-insurance-policy-irdan162cppr0017v01202425"}