by Mr. Mukesh Kumar, HDFC
Ergo General Insurance
While buying a home insurance policy, there
are 3 major points to remember:
(1) Make sure that
you understand the policy coverage, exceptions and exclusions.
Include all your
valuable belongings, your liability to others, your living expenses if you are
forced out of the house. Check if a disaster occurs, your policy must be able
to help you rebuild your home
(2) Take an inventory
of all your possessions..
When you file for claim, two things need to be
done proof of ownership of the insured items & verify them. Insurance companies often advise
their clients to video tape all their belongings and keep it in a safe away
from home as proof.
(3) The key point to
remember is to check if the policy value is regularly updated.
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| Mr. Mukesh Kumar, HDFC Ergo General Insurance |
This will help cover
various assets that might get added to your house as well as the rate of inflation.
Also, ensure the amount of cover taken is realistic, especially if you have
refurnished your house.
The moment of truth
of any insurance product is when the policyholder has to file a claim, and for
the company, to pay the claim. An individual gets home insurance claim on the
basis of the sum insured for the structure of the house that is based on the
reinstatement value. Quite simply, it would be the reconstruction value for the
structure that is determined by the construction cost.
The reconstruction
cost is based on two parameters, that are, built-up area of the house in square
feet and cost of construction at that location.
For More Details
Mr. Mukesh Kumar Head
(Strategic Planning), HR and Marketing, HDFC Ergo General Insurance
Contact
Toll Free Number : 1800 2700 700
Email : care@hdfcergo.com
HCS Cardholders ( For Health Policy purchase after 1st April 2012)
Toll Free :1800 2001 999
Phone (UAN) :1860 2000 700 ( Local charges applicable )
Fax (UAN) :1860 2000 600 ( Local charges applicable )
Email : healthclaims@hdfcergo.com
Address :
HDFC ERGO General Insurance Co. Ltd.
6th Floor, MBC Tower,
Old no.90, New No. 199, Luz Church Road,
Mylapore, Chennai - 600 004
FHPL Cardholders
Toll Free :1800 425 4075
Fax (UAN) :+91 44 3013 6747
Email : info@fhpl.net
Address :
Family Health Plan (TPA) Ltd.
Srinilaya-Cyber Spazio
Suite 101,102,109 & 110, Ground Floor,
Road No.2, Banjara Hills, Hyderabad - 500 034
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