Recover from a loss in the event of burglary, fire, flood, earthquake and other perils.
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Product Features

Now you can be protected from unforeseen incidents through our Home Protection Plan!

"Home Protection Plan" is an annual insurance product specially designed to help you and your family recover from a loss in the event of burglary, fire, flood, earthquake and other perils.

Home structure

Any loss to the structure of your home and its contents due to following perils are covered:

  • Fire explosion (including explosion of domestic appliances i.e. stoves) Lightening, Thunderbolt, Earthquake
  • Riot, Strike, labor disturbance and malicious acts such as burglary or theft
  • Aircraft and other aerial devices or other droppings (as well as falling trees)
  • Natural disasters such as flood, typhoon
Cash and Jewellery

Loss of cash or jewellery at home or in transit due to burglary or armed hold-up.

Accidental Death

You are covered against accidental death up to the specified limit.

Lost and Stolen Documents

Covers the replacement cost incurred due to loss or theft of personal documents issued by the Government of Pakistan (i.e. CNIC / Passport / Driving License).

Others

Your cherished contents at home like laptops, furniture and carpets are some items that are also covered under this section of the policy.

Policy options and payable premium

Basic Plan

Coverage Description Coverage Limit (PKR)
Home Structure 1,200,000
Cash at Home 25,000
Cash in Transit 10,000
Jewellery at Home 75,000
Jewellery in Transit / Jewellery in Transit between Residence and Locker (Only available in plus plan)
Personal Accident 100,000
Lost and Stolen Documents 2,500
Total 1,512,500
Yearly Premium 5,775

Plus Plan

Coverage Description Coverage Limit (PKR)
Home Structure 2,000,000
Home Contents and Valuables 200,000
Cash at Home 50,000
Cash in Transit 20,000
Jewellery at Home 150,000
Jewellery in Transit / Jewellery in Transit between Residence and Locker 50,000
Personal Accident 100,000
Lost and Stolen Documents 2,500
Total 2,572,500
Yearly Premium 11,500

The above premium are inclusive of all applicable Government taxes and levies i.e. 16% Sales Tax on Services (SST), 1% Federal Insurance Fees (FIF), 5% Admin Surcharge and PKR 20 Stamp duty. Any changes in the taxes will affect the premium accordingly and the customer will be informed in advance.

FAQs

    • How can I avail this policy coverage?

      • Call Standard Chartered Bank Phone Banking at 111 002 002
      • Contact your Relationship Manager or visit the nearest Bank Branch
    • What is Free Look period?
      You may cancel Home Protection Plan during the "Free Look Period" which is 15 days from the date of your premium deduction and get a full refund of the premium paid.

    • Will I be refunded the premium if I cancel the policy after Free Look period?
      No premium will be refunded after the Free Look Period.

    • Is wear and tear and burglary / theft by servants/house member covered?
      The house contents will not be covered against wear and tear and / or burglary / theft by servants and / or house members.

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Disclaimer

Standard Chartered Bank (Pakistan) Limited ("Bank") is acting as a distributor of the Insurance Policy on behalf of the EFU General Insurance Limited ("Insurance Company") and shall not be held responsible / liable in any manner whatsoever to any person, including, but not limited to the insured customer or any third party. The insured customer statement of account / application form or recorded verbal statement will act as his / her enrollment under the program and will be given the determination of the rightful beneficiary under this insurance Coverage.

It is clarified that the Bank Shall not, under any circumstances, be liable either directly or indirectly for any obligation of the Insurance Company as the insurer. The Bank is only acting as an agent in providing this facility and can not be held responsible for setting claims emanating from this scheme or for the approval or rejection of any claim or for any act or omission on part of the insurer.

Further, the bank shall not be construed or deemed in any manner to be the agent or broker of the Insurance Company in respect of any other policy.

In addition, the Bank shall not be either directly or indirectly liable for any obligation of the Insured Company towards the Insurance Company in respect of the business or any policy offered to the Insured Customer. These policies shall constitute as independent contract between the Insurance Company and the Insured Customer.

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111 002 002

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Speaking Up

Standard Chartered Bank (the “Bank”) is committed to maintaining a culture of the highest ethics and integrity, and in compliance with all applicable law, regulation and internal policy. As part of this commitment, the Bank has a ‘Speaking Up’ programme through which genuine concerns in this regard can be raised. Members of the public can securely raise Speaking Up concerns through this hyperlink, which is hosted on behalf of the Bank by a third party ‘InTouch’. Examples of concerns that can be raised through this website are concerns that relate to accounting, internal accounting controls or auditing matters and concerns relating to bribery or banking and financial crime. Concerns received will be forwarded to the Bank’s investigations team for review. Complaints relating to SCB banking services should not be raised through this site in the first instance, but through the SCB branch network, contact centres, Relationship Managers or the ‘Contact Us’ webpage.

Disclaimer

Please note that this hyperlink will bring to you to another website on the Internet, which is operated by InTouch, an independent company appointed by the Bank to support its Speaking Up programme. Please be mindful that when you click on the link and open a new window in your browser, you will be subject to the additional terms of use of the website that you are going to visit.

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