Saral Sampurna Kisan Bima Policy

Saral Sampurna Kisan Bima

Saral Sampurna Kisan Bima Policy

Rural Insurance Policy

(IRDAN190RP0033V01202223)

In order to cater to the needs of Agriculture farmers, our Company has designed comprehensive insurance Policy named as“Saral Sampurna Kisan Bima Policy.”This policy covers Farmer’s Dwellings, Home contents, Personal Accident, Cattle , Agricultural Pump sets , Animal driven cart and pedal cycle.

The Policy has Six sections covering various risks. Particulars are given below:
SectionCoverRiskMaximum Sum Insured 
IA-Dwellings
  1. Fire
  2. Explosion or Implosion
  3. Lightning
  4. Earthquake, volcanic eruption or other convulsions of nature
  5. Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Tsunami, Flood and Inundation.
  6. Subsidence and Landslide including Rock slide
  7. Bush Fire, Forest fire, Jungle fire.
  8. Impact Damage of any kind
  9. Missile testing operations
  10. Riot, Strike, Malicious Damage
  11. Acts of terrorism
  12. Bursting and/or overflowing of Water Tanks, Apparatus and Pipes
  13. Leakage from Automatic Sprinkler Installations
  14. Theft within 7 days from the occurrence
Rs.20,00,000/-(Pukka Construction)
Rs.5,00,000/-(Katcha Construction)
B- Home Contents20% of Sum Insured as per Section I-A
IIJanata P.A.Farmer & his/her spouse between the age of 18 and 70 years, against accidental Death and Permanent Total DisabilityRs.1,00,000/- each
IIIAgriculture Pump Set
  1. Mechanical/Electrical breakdown
  2. Fire and lightning
  3. Theft/Burglary (Only if pump sect is lodged in a permanent enclosure except in case of submersible pump set)
  4. Riot/Strikes, Malicious damage, Terrorism 
  5. Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood and Inundation
Rs.3,00,000/-
IVCattle InsuranceDeath and Permanent Total disablement of Insured Cattle byDeath due to:-.
  1. Accident (including fire & natural calamity)             
  2. Diseases 
  3. Surgical operations.
  4. Riot & strike
Permanent Total Disablement means
  1. Milch Cattle: Incapacity to conceive or yield milk 
  2. Stud Bulls: Incapacity for breeding 
  3. Bullocks: Incapacity for the purpose of use mentioned in the proposal form.

In case of Permanent Total Disablement the liability of the company will be restricted to 75% of  the Sum Insured.

 
Rs.75,000/- per cattle
VAnimal Driven CartLoss or damage to animal driven cart due to Fire, accident, Riot & Strike  Legal liability arising out of use of insured animal driven cart towards TPPD, TPPI & Third Party DEATH  for sum of Rs.10000/-only.Rs.1,00,000/-
VIPedal CycleLoss or damaged to the Pedal Cycle caused by Accidental external means, Fire external explosion,. lightning , burglary, housebreaking, larceny, theft, malicious act Legal liability arising out of use of insured Pedal Cycle  towards TPPD, TPPI & Third Party DEATH  for sum of Rs.10000/-only. Rs.10,000/-
Note :
  1. Section “I” is compulsory & terms and conditions as per Bharat Griha Raksha Policy.
  2. 15% discount will be allowed on premium if total premium under Saral Sampurna Kisan Bima Policy exceeds Rs.5,000/- excluding Section I Premium.
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