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Rural Insurance

Sampoorna Suraksha

Sampoorna Suraksha is a micro insurance product tailored specifically for the rural and semi rural sector and is designed to provide valuable protection to insureds and their business under a range of covers conveniently brought into one package policy.

What’s Covered

  • HOSPITAL CASH BENEFIT Hospital Cash benefit for each continuous and completed period of 24 hrs of Hospitalisation caused due to Accidental Bodily Injury or Sickness.

  • CART PROTECTION & LIABILITY coverage for Loss or damage caused to the Insured’s Cart by Accident or the malicious act of a third party. It also covers the death or Permanent Total Disability of (1) any animal attached to the Cart and (2) authorised driver of the Cart involved at the time of Accident. Only animal driven cart that is exclusively used for the business of insured will be covered.

  • ROBBERY & BURGLARY coverage for loss or damage to the Building and Contents in the Farmhouse caused by actual or attempted Robbery or Burglary. Additionally costs incurred in changing damaged locks at the entry or exit points to or within the Building or the Farmhouse is also covered.

  • FARM PRODUCE loss or damage to Farm Produce stored in a godown or other Building on the Farm caused by Accidental fire, Lightning, The explosion of gas in a domestic appliance, Accidental impact damage, Riot, strike or malicious damage.

  • AGRICULTURAL PUMP SET covers Loss or damage to Insured’s centrifugal Pump Set (whether electrical or diesel) used solely for Farm Business if caused by Accidental fire, Lightning, Sudden and unexpected mechanical or electrical breakdown, Riot, strike or malicious damage. Only Centrifugal Pump set with ISI mark will be covered.

  • PEDAL CYCLE Coverage for the loss of or damage to a Pedal Cycle belonging to the Insured or any member of the Insured’s Family caused by Accident or the malicious act of a third party and Third Party Liability.

  • PERSONAL ACCIDENT coverage for Death or Permanent Total Disability. Additionally it also pays up to 2% of the Sum Insured or Rs. 1000/- (whichever is lower) towards the cost of transporting the Insured’s remains from the place of death to a hospital, residence or cremation or burial ground

  • BUILDING & CONTENTS coverage for Insured’s Buildings, Farmhouse and Contents in the Farmhouse against Fire and allied Perils.

What's Not Covered
  • The insured’s consequential losses of any kind or legal liability.

  • Any claim in which the insured, his servants, family, household or persons are engaged in or upon the service of the insured and/ or are alleged to be involved.

  • Earthquake, flood, storm, cyclone or other convulsions of nature or atmospheric disturbances.

  • War or war like events.

  • Pollution or contamination.

  • Act of terrorism.

  • Ionising radiation or contamination by radioactivity.

Disclaimer For complete details of Policy coverage, terms, conditions and exclusions, please refer the policy wordings. Click here to view Policy Wordings.