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Dec 29, 2023

What Is The Claims Procedure Under The Bharat Griha Raksha Policy?

Securing one's home is a paramount concern in today's fast-paced world. In India, the Bharat Griha Raksha Policy stands as a reliable shield, offering financial protection and peace of mind to homeowners. However, understanding the claim process is crucial to fully leverage the benefits of this policy. Let’s through the steps involved in the claim process for the same.

Understanding Bharat Griha Raksha Policy

Before delving into the claim process, let's briefly understand what the Bharat Griha Raksha Policy entails. This policy is designed to provide coverage for homeowners against various risks, including natural disasters, theft, fire, and other perils that can jeopardize the safety and integrity of your home. Offering a comprehensive coverage package, this policy aims to alleviate financial burdens associated with property damage or loss.*#

The Claim Process Unveiled

If due to some unfortunate circumstance your house were to get to damaged due to a calamity or mishap or the contents of the house were to get damaged, you have to file a claim for this MSME insurance policy and get compensation from the insurer. The claim process can be confusing for people. The steps provided below will help you understand the process in a less confusing manner, thus ensuring you get the compensation you deserve:

Prompt Reporting of the Incident

The first and foremost step in the claim process is to report the incident to the insurance company promptly. Whether it's a fire, burglary, or any covered event, informing the insurer as soon as possible is crucial. Delay in reporting may lead to complications in the assessment and settlement of the claim. Remember to follow the window provided by the insurer to file the claim.

Informing The Authorities

Once you have intimated the insurer, you need to get in touch with the appropriate authorities. If there has been a case of break-in, you will need to approach the police. If the damages caused to your house was due to fire, you need to approach the fire department for the same.

Filing the Claim Form

The next step involves filing a formal claim. The insurance company will provide a claim form that you need to complete accurately. This form usually includes information about the incident and the extent of the damage. Take your time to ensure all information is accurate and complete. When filing the claim, you need to provide certain information that is required by the insurer. These include:
  1. Policy document number
  2. Personal information
  3. Copy of the police report/ fire department report
  4. Timeline of the event
  5. Damaged caused to the house/items

Documenting the Damage

Supporting your claim with proper documentation is essential. Take photographs or videos of the damaged property and its contents. If applicable, gather police reports, medical reports, or any other evidence that can substantiate your claim. Thorough documentation strengthens your case and expedites the claim settlement process.

Cooperating with the Surveyor

The insurance company will assign a surveyor to assess the extent of the damage and validate the claim. Cooperate fully with the surveyor, provide access to the damaged property and answer any questions they may have. Timely and transparent communication during this phase is crucial for a smooth claims process.

Evaluation of the Claim

Once the surveyor completes the assessment, the insurance company will evaluate the claim based on the policy terms and conditions. This evaluation includes verifying the cause of the damage, assessing the extent of the loss, and determining the coverage applicable under the Bharat Griha Raksha Policy.

Claim Settlement

If the claim is approved, the insurance company will proceed with the settlement. The settlement amount is determined based on the terms of the policy, and it may cover the repair or replacement costs, depending on the nature of the damage. The settlement is usually disbursed expeditiously to facilitate the restoration of your home.*#


Understanding the claim process for the general insurance policy is vital for homeowners seeking financial protection against unforeseen events. Timely reporting, accurate documentation, and collaboration with the insurance company are key elements that contribute to a seamless and efficient claims experience. By staying informed and proactive, homeowners can navigate the claims process with confidence, ensuring that the policy serves its purpose of safeguarding their most valuable asset – their home.   *Standard T&C Apply #Visit the official website of IRDAI for further details Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

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