You need to pay the first 5% for each claim you file against your kitchen appliances insurance plan, which is subject to a minimum amount of ₹1,000 for the maximum insured amount of ₹20,000. At the same time, it is ₹2,000 for the maximum insured sum of ₹20,000 to ₹50,000. This is valid for all claims unless your insurer reviews and alters it and mentions these details in the Certificate of Insurance.