Loss of Mobile Insurance

The Policy is offered by Aditya Birla Health Insurance Ltd. (“Insurer”) and covers the following benefits:

Coverage Details

Serial No. Benefit Sum Insured (In INR) Deductible
1 Gadjet Cover (Loss of Mobile Only) (Indemnity) INR 15000 Nil

GADGET COVER (Indemnity):

We will indemnify the Insured Person for loss incurred due to loss / theft of Gadget during the course of the Trip / upto the limit specified in the Policy Schedule / Certificate of Insurance subject to the following:

  1. The Gadget must be owned by and accompany the Insured Person during the course of the Trip and You must provide Us with any receipts, documents or proof of purchase, that it is reasonable for Us to determine such ownership or possession.
  2. The Insured Person has to report the loss to the police within 24 hours of becoming aware of the theft and a written police report being obtained in that regard.
  3. Maximum amount to be reimbursed for the Gadget as specified in the Policy Schedule / Certificate of Insurance shall be at the Market Value before the loss, which will be arrived at by depreciating the value by 25% per annum. However, the maximum liability would be restricted to the Sum Insured.
  4. We will not pay under this benefit for the loss of more than one Gadget falling under a similar category during the Trip.
  5. Our maximum, total and cumulative liability under this Benefit will be limited to the travel destinations including all halts and via destinations during the Trip.

This Policy will be issued on the basis of the Disclosure to information norm, including the information provided by You in respect of the Insured Persons in the Proposal Form, any application for insurance cover in respect of any Insured Person and any other information or details submitted in relation to the Proposal Form. This Policy is a contract of insurance between You and Aditya Birla Health Insurance Ltd which is subject to receipt of premium in full in respect of the Insured Persons and the terms, conditions and exclusions of this Policy.

Major Policy Terms and Conditions

  1. The insurance policy is only valid for Indian citizens.
  2. No change in sum insured allowed after commencement of policy. No addition of new slabs for Sum insured allowed after commencement of policy.
  3. Premium Shallnot be refunded in case of any claims being paid under policy.
  4. Annual Multi Trip Policy Per Trip Duration Max 90 days.
  5. FIR is mandatory at the time of claims.
  6. One claim will be payable for one customer. Trip is mandatory to claim for loss.
  7. Loss of mobile details needs to be registered in CEIR Portal.
  8. Trip is mandatory for coverage.
  9. The policy is valid only for customer of Jupiter Money.
  10. The quote is applicable for new mobile only.
  11. Policy Period means the period commencing from the Policy Period Start Date and ending on the Policy Period End Date as specifically appearing in the Policy Schedule; or trip end whichever is earlier.

Claim Process

A. Claim Submission

Claim process can be initiated by sending the below mentioned claim documents to ABHI.
Claim intimation Mail ID: abhicl.inhousetravelclaims@adityabirlacapital.com

Mandatory documents required in case of claim:

  1. Claim Form
  2. FIR – Registering the loss of mobile is mandatory and it should be filed within 24 hours of loss of mobile.
  3. Original invoice of purchase of mobile.
  4. Loss of mobile details needs to be registered in CEIR Portal and confirmation of blocking of IMEI number to be shared with us.
  5. KYC documents
  6. NEFT Details of the beneficiary bank

B. Important points about Claims

  1. In case of absence of any of the required documents or mismatch, claims shall not be paid.
  2. At ABHI’s discretion, ABHI may investigate claims to determine the authenticity of a claim. This investigation will be conducted and result communicated to the customer through email within 5 days from the date of assigning the claim for investigation.

C. TAT of Claims

Activity Timeline Measured From
Acknowledgement of Claim & Registration of the Claims 3 Working Days From receipt of documents or intimation from Insured
Deficiency to be raised for short fall of claim documents (if any) 7 Working Days From receipt of Initial documents or intimation
First, Second & Final Reminders 10 Days interval From 1st deficiency query generation date
Repudiation for non-receipt of claim documents 45th Day From the latest of 7 Days after final reminder and 1st deficiency query generation date
Acknowledgement for receipt of Deficiency or any documents 7 Working Day From receipt of deficiency related or any documents
Re-deficiency (if New queries arises from the submitted documents) 7 Working Days From receipt of deficiency or any documents
Claim Payment from Insurer to Insured 7 Working Days From receipt of last necessary document
Re-imbursement Claim Repudiation 7 Working Days From receipt of last necessary document
Investigation of Claim 15 Working Days From receipt of last necessary document

D. Address for Correspondence

Aditya Birla Health Insurance Co. Limited,
15th floor, G Corp Tech Park, Kasarwadavali,
Ghodbunder Road, Thane West - 400615

In case of a grievance, the Insured Person / Policyholder can contact Us with the details through our website: www.adityabirlacapital.com or Email: care.healthinsurance@adityabirlacapital.com
Toll Free: 1800 270 7000

Exclusions

Claims will not be paid in case of the following scenarios:

  1. Loss is due to delay or confiscation or detention by customs, police or other govt. authorities.
  2. Loss is due to its being left Unattended or forgotten by the Insured Person in a public place or in a Public Transport.
  3. Loss of baggage sent in advance or souvenirs and articles mailed or shipped separately.
  4. Loss or damage which is paid or refunded by the Common Carrier, hotel, agent or any other provider of travel and / or accommodation.
  5. Loss of software or data in the laptop/ tablet / mobile phone and any consequential loss.
  6. Detection of fraud.
  7. Any loss that happens at the residence of the customer.
  8. Non submission of all the required documents.

For any further queries, the policy holder should reach out to Aditya Birla Health Insurance Ltd. on their toll free number, official email ID or offices as mentioned in the policy document.

The insurance policy is a contract between Aditya Birla Health Insurance Ltd. and the customer.