THE ORIENTAL INSURANCE COMPANY LIMITED

Office Umbrella Policy — Rate Schedule Calculator (Proposed Rates, per mille ‰ of Sum Insured, unless noted)

Policy Options

AMC / in-house maintenance facility in place for electronic equipment? (No AMC → Section 6 rates loaded by 50%)

Include Computer Breakdown under Business Interruption? (rate becomes average of Sec 2A & Sec 6)

Add Terrorism Cover? (extra premium @ 0.15‰; excess 0.50% of sum insured, min ₹25,000)

Sections & Sum Insured

Sec	Coverage	Sum Insured / Basis (₹)	Existing Rate ‰	Existing Premium (₹)	Proposed Rate ‰ (auto)	Proposed Premium (₹)

Discount on Total Proposed Premium (%) applied after Terrorism Cover, before GST

Premium Summary

Total Existing Premium

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Total Proposed Premium

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Savings vs Existing

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Discount Amount

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Net Premium

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GST @ 18%

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Gross Premium (incl. GST)

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Excess / Deductible (Reference Only — Not Part of Premium)

#	Sections	Excess Applicable
1	Building, Office Contents & Tenant's Liability, Medical Equipment, Addl. Exp. for Alternate Accommodation (Sec 1, 2 & 7)	Act of God perils: 5% of claim, min ₹10,000. Other perils: ₹10,000 flat.
2	Electronic Equipment Insurance, Breakdown of Office Appliances, Baggage Insurance (Sec 6, 9 & 10)	₹1,000
3	Business Interruption (Sec 12)	3 days (time excess)

Rates and slabs reproduced from the Oriental Insurance Office Umbrella Policy rate schedule. Proposed Rate is fixed per the document (auto-adjusts for loadings/options above); enter the Sum Insured / Basis for each section (all start at 0), then click Calculate Premium to see results.