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Chola - Chola MS Bharat Griharaksha Policy Content

Chola MS Bharat Griharaksha Policy

Home is a place filled with memories. Everyone wants to put it as perfect as possible. But, Natural calamities or Manmade activities does not come with prior notice.Chola MS Bharat Griharaksha policy covers your building structure and/or your contents against loss or damage or destruction caused by 14 insured events listed in the Policy for any sum insured.

Chola - Why Choose Chola MS Bharat Griharaksha policy Content

Why Choose Chola MS Bharat Griharaksha Policy

Chola MS has simplified the way of insurance, right from purchase of policy to closure of claims

Protects more than building

Chola MS Bharat griharaksha policy protects building along with additional structures like

  • Garage, domestic out-houses used for residence, parking spaces or areas
  • Compound walls, fences, gates, retaining walls
  • Verandah or porch
  • Septic tanks, bio-gas plants, fixed water storage units or tanks
  • Solar panels, wind turbines and air conditioning systems, central
  • heating systems and the like, if not included Home Contents Cover
Affordable premiums

Home is a valuable property sometimes being your only big investment. Premium for insuring such an investment is always a best bet. CholaMs offers you home insurance at affordable and convincing premiums. You can also cover your valuables by taking an additional cover. Chola MS also provides personal accident cover as an add on.

In built coverage

Chola MS bharatgriharaksha offers cover for

  • Loss of Rent
  • Rent for Alternative Accommodation
  • Professional Fees - towards architect, surveyor, consulting engineer fees – Up to 5% of Claim amount
  • Clearance and removal of Debris clause - Up to 2% of the claim amount

Chola - Chola MS Bharat Griharaksha Policy Cover Not Cover Content

What does Chola MS Bharat Griharaksha Policy Cover

Cover for 14 insured events like Fire, Explosion or implosion, Lightning, Subsidence, Landslide, Rockslide, Bush fire, forest fire, Jungle fire, Impact damage, Missile testing operations, Riot, Strike and Malicious damage, Bursting and overflowing of water tanks, apparatus and pipes, including Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Tsunami , Flood and Inundation; Earthquake; terrorism; and Theft within 7 days from occurrence of insured events.

Long term cover for contents

Cover for Building with or without Additional structures*

Inbuilt Auto escalation 10% for building Sum insured

Underinsurance waiver

Nil Deductible (except terrorism)

Removal of debris upto 2% of claims

Architect and survey engineering fee upto 5% of claims

Cover for Loss of rent

Cover for Additional rent for alternative accommodation

PA cover Rs.5 lacs  (Insured & Spouse 5 lacs /each) for additional premium

Valuable content on agreed value basis with valuation certificate for additional premium

Sum insured on RIV basis for Building and Replacement basis for General content

Policy period -Annual or Long term >1 yrupto 10 yrs

*Garage, Coumpound walls, fences, gates, Solar panels, septic tanks, Parking spaces, etc.

Your deliberate, wilful or intentional act or ommission, or of anyone on Your behalf, or with Your connivance.

War, invasion, act of foreign enemy hostilities or war-like operations (whether war is declared or not), civil war, mutiny, civil commotion amounting to a popular rising, military rising, rebellion, revolution, insurrection or military or usurped power.

Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from combustion of nuclear fuel, or the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component that is part of it.

Pollution or contamination, unless i. The pollution or contamination itself has resulted from an Insured Event, or ii. An Insured Event itself results from pollution or contamination.

 Loss, damage or destruction to any electrical/electronic machine, apparatus, fixture, or fitting by overrunning, excessive pressure, short circuiting, arcing, self- heating or leakage of electricity from whatever cause (lightning included). This exclusion applies only to the particular machine so lost, damaged or destroyed

Loss or damage to bullion or unset precious stones, manuscripts, plans, drawings, securities, obligations or documents of any kind, coins or paper money, cheques, vehicles, and explosive substances unless otherwise expressly stated in the policy.

Loss of any Insured Property which is missing or has been mislaid, or its disappearance cannot be linked to any single identifiable event.

Loss or damage to any Insured Property removed from Your Home to any other place.

Loss of earnings, loss by delay, loss of market or other consequential or indirect loss or damage of any kind or description whatsoever.

 Any reduction in market value of any Insured Property after its repair or reinstatement.

 Any addition, extension, or alteration to any structure of Your Home Building that increases its Carpet Area by more than 10% of the Carpet Area existing at the Commencement Date or on the date of renewal of this Policy, unless You have paid additional premium and such addition, extension or alteration is added by Endorsement.

Costs, fees or expenses for preparing any claim.

Chola - How to calculate Sum Insured

How to calculate Sum Insured?


Carpet Area (in sqmtrs) X Construction Cost per Unit Carpet Area at the commencement of policy, declared by customer and agreed by insurer


In built cover if both Building and Contents cover are Opted -20% of Building SI or Rs.10 lacs whichever is less (details not required). Can opt for a higher Sum Insured by specifically declaring General Content along with details and by paying additional premium

Chola - Add ons that provide additional benefit

Add ons that provide additional benefit

Valuable content

 on Agreed Value Basis (under Home Contents cover) with a valuation certificate , covering loss or damage caused due to insured perils:(However, the requirement of valuation certificate is waived if the Sum Insured opted for is up to ₹ 5 Lakh and Individual item value does not exceed ₹ 1 Lakh) by payment of additional premium

PA cover

Accidental Death only to Insured and Spouse (Rs. 5 lacs per person) due to insured events whilst within the premises, by payment of additional premium

Chola - Modifying/Endorsing Your Insurance Details Content

Modifying/Endorsing your Insurance details

In case of change in name, address or any other details to changed/added to the policy, you can contact Chola MS for endorsement request. The request will be raised and the same changes will be updated in the policy.



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30 September 2021

Excellent !!