Kisan Sarva Suraksha KawachKisan Sarva Suraksha Kawach

Kisan Sarva Suraksha
Kawach

  • Introduction
  • What’s covered ?
  • What’s Not covered?
  • Why Choose HDFC ERGO?

Kisan Sarva Suraksha Kawach

 

India is agriculture based country. 70% of India lives in rural areas but have no access or have negligible access to Insurance. Insurers are yet to test this market in terms of product offering and distribution. Now scenario is changing with investments coming to rural areas also. It is extremely important to develop new market for sustainable and consistent growth history. Considering the growth in this segment, there is a considerable property at stake. This gives an opportunity to the Insurance industry to tap the rural market potential. With this background, HDFC ERGO General Insurance Co Ltd has decided to venture into the market to tap the potential.

Kisan Sarva Suraksha Kawach Policy is comprehensive package policy to provide coverage against wide range of perils for various assets of farmers and Agriculture traders. Coverage can be customized by selecting one or more sections available under the policy. Under single umbrella coverage can be provided for contents, pump sets and animal driven cart. Personal accident cover can also be arranged along with coverage.

 

What’s Covered?

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Standard Fire and Special Perils

This section covers your building, contents and agriculture items against various eventualities namely., Fire and Special perils, Earthquake, lightning, Riot, strike, Cyclone, Hurricane, Tornado, Landslide, explosion, Burglary and Housebreaking including theft etc.

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Agriculture Pump set 

Section provides coverage for your submersible or non-submersible pump including driving unit, switches, wiring and starter against Fire, lighting, burglary, Mechanical/ Electrical breakdown and Riot, Strike or Malicious damage.

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Personal Accident Insurance 

Covers you and your family members against Accidental death and Permanent disablement.

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Animal Driven Cart Insurance

Protects damage to your Cart and /or its accessories against accidental damages, Fire, Lightning, Flood, Burglary, House breaking or Theft and during transit.

What’s Not covered?

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Damage to property due to Pollution and contamination

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Loss or damage due to wear and tear, gradual deterioration or slowly developing flaws.

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Consequential Loss

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Willful misconduct or negligence

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Glass breakage while premises is under construction or while the glass is being removed.

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Fines, penalties, punitive or exemplary damages or any other damages resulting from the multiplication of compensatory damages.

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Loss and/or damage to jewellery, precious stones, money, bullion or documents of any kind unless specifically declared.

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Burglary and/or Housebreaking or Theft by family members.

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Damages to livestock, motor vehicle and pedal cycles.

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Excludes cost of dismantling, transportation of pump set to the repair shop and back to premises.

Sum Insured Plans

There are five plans available and the insured has the flexibility to select the Sum insured limits basis plan opted.

For any Plan, Section I is compulsory and in addition any one section can be opted.

Premium payable depends on the plan and sections opted by the Insured.

Sum Insured

Section Section Name Plan - I Plan - II Plan - III Plan - IV Plan - V
1 Property Damage 50,000 100,000 150,000 200,000 250,000
2 Agricultural Pumpsets 25,000 25,000 25,000 50,000 75,000
 Personal Accident      
 Insured Person 25,000 25,000 25,000 50,000 100,000
3 Non Earning Spouse 12,500 12,500 12,500 25,000 50,000
 1st 2 Children - Each 10,000 10,000 10,000 20,000 40,000
4 Animal Driven Cart Insurance 20,000 20,000 20,000 20,000 20,000
Why HDFC ERGO?

Secured Over 1 Crore+ Smiles!

Trust redefines relations at HDFC ERGO. We consistently strive to make insurance easier, more affordable and more dependable. Here promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.
Why HDFC ERGO?

All the support you need 24x7

We understand that in times of distress, instant help is the need of the hour. Our In-house claims team provides round the clock support to ensure hassle-free claim experience. We ensure to be your constant support system in times of need.
Why HDFC ERGO?

Catering customer needs

Since, last 16 years, we have been catering to endless customer requirements endlessly. By providing wide range of plans and add on covers for every portfolio.
Why HDFC ERGO?

Transparency at its best

HDFC ERGO General Insurance claims are settled with utmost transparency and ease.
Why HDFC ERGO?

Awards

We have received ICAI Award of the Year for excellence in financial reporting FY:18-19
Why HDFC ERGO?

Secured Over 1 Crore+ Smiles

Trust redefines relations at HDFC ERGO. We consistently strive to make insurance easier, more affordable and more dependable. Here promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.

All the support you need-24x7

We understand that in times of distress, instant help is the need of the hour. Our In-house claims team provides round the clock support to ensure hassle-free claim experience. We ensure to be your constant support system in times of need.

Catering customer needs

Since, last 16 years, we have been catering to endless customer requirements endlessly. By providing wide range of plans and add on covers for every portfolio.

Transparency at its best

HDFC ERGO General Insurance claims are settled with utmost transparency and ease.

Awards

We have received ICAI Award of the Year for excellence in financial reporting FY:18-19
Awards & Recognition
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