COMPREHENSIVE HOME PROTECTOR โ€” IFFCO TOKIO

12-section home package with per-peril fire add-ons โ€” real IFFCO CHP rates (2025-26).

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PROPOSER DETAILS

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SECTION 1 โ€” FIRE (MANDATORY)

CoverSum Insured (โ‚น)Rate โ€ฐPremium (โ‚น)
Building *
โ‚น
0.00
Contents
โ‚น
0.00

Total Fire Sum Insured: โ‚น 0 โ€” the add-on perils below are rated on this amount.

FIRE ADD-ON PERILS
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SECTIONS 2 โ€“ 12

Enter Sum Insured only for the covers required. Sections 2B, 2C, 3A, 3B, 5 & 6 need Section 1 to be covered.

CoverSum Insured (โ‚น)Rate โ€ฐPremium (โ‚น)
๐Ÿฉบ

SECTION 8 โ€” PERSONAL ACCIDENT

PA premium: โ‚น 0.00 ยท Medical Benefit: โ€”

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DISCOUNTS & LOADINGS

Sectional: โ‰ค5 sections โ†’ 0% ยท 6โ€“7 โ†’ 10% ยท 8โ€“9 โ†’ 15% ยท 10โ€“12 โ†’ 20% (applies to all sections except 1 & 5). The other four apply on the total premium; positive = discount, negative = loading. Claim experience guide: loss ratio <40% โ†’ 35% disc ยท 40โ€“50% โ†’ 20% disc ยท 50โ€“65% โ†’ nil ยท 65โ€“75% โ†’ 20% load ยท >75% โ†’ 50% load.