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Healthy Living

All Risk Insurance Policy


The company will pay compensation to the Insured to the extent of the intrinsic value of the property (Gold, silver ornaments, jewellery, watches, cameras and other valuables) of the Insured or member(s) of his family, so lost, destroyed or damaged.


Covers Loss or damage caused by

  1. Fire

  2. Riot and Strike

  3. Theft

  4. Accident

  5. From any fortuitous cause


The Company shall not be liable in respect of:-

  1. 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 or any other gradually operating clause.

  2. Breakage, Cracking or Scratching of Crockery, Glass, Cameras, Binoculars, Lenses, Sculptures, Curios, Pictures, Musical Instruments, Sports Gear, and similar articles of brittle or fragile nature, unless caused by fire or accident to the means of conveyance.

  3. Loss or damage caused by mechanical or electrical derangement/breakdown of any article unless caused by accidental external means.

  4. Over-winding, denting or internal damage of watches and clocks.

  5. Loss or damage to Money, Securities, Manuscripts, Deeds, Bonds, Bills of Exchange, Promissory Notes, Stocks or Share Certificates, Stamps and Travel Tickers or Travellers Cheques, Business books or documents.

  6. Theft from any car except car of fully enclosed saloon type having at the time all the doors, windows and other openings securely locked and properly fastened.

  7. Loss or damage whether direct or indirect arising from War, War-like operations, Act of Foreign Enemy, Hostilities (whether war be declared or not) Civil War, Rebellion, Insurrection, Civil Commotion, Military or Usurped Power, Seizure, Capture, Confiscation, Arrests, Restraint and Detainment by the order of any Government or any other authority.

  8. Any loss or damage arising through delay, detention or confiscation by Customs or other authorities.

  9. (a) Any loss, destruction or damage to any property whatsoever or any loss or expense whatsoever, resulting or arising therefrom or any consequential loss and any legal liability of whatsoever nature, directly or indirectly caused by or contributed to by or arising from Ionising, radiation or contamination by radioactivity from any source whatsoever. (b) Any loss, destruction, damage or Legal Liability directly or indirectly caused by or contributed to by or arising from Nuclear Weapons material.

  10. Consequential losses or legal liability of any kind.

  11. Loss or damage due to or contributed to by the Insured having caused or suffered anything to be done whereby the risks hereby insured against were unnecessarily increased.

  12. Loss or damage due to or contributed to by Terrorism and Sabotage activities.

Claim Procedure

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

  1. The Insured shall give immediate notice thereof in writing to the nearest office with a copy to the Policy Issuing Office of the Company as well as lodge forthwith a complaint with the Police. The Insured must also notify the Railways, Steamship Company, Airline, Hotel Proprietors, or the Authority in whose care the property vest at the time of the happening of any loss or damage.

  2. The Insured shall deliver to the Company, within 14 days of the date on which the event shall have come to his knowledge, a detailed statement in writing, of the loss or damage, with an estimate of the intrinsic value of the property lost and the amount of damage sustained.

The Insured shall tender to the Company all reasonable information, assistance and proofs in connection with any claim hereunder and shall, if required, make an Affidavit or statutory declaration in substantiation of such claim.

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