{"id":2397,"title":"Smart Personal Protection Policy Claim Form","purpose":"claim","insurer":{"slug":"zurich-kotak-general-insurance","name":"Zurich Kotak General Insurance Company (India) Limited"},"source_pdf":"https://cms.zurichkotak.com/uploads/KSPPP_Claim_Form_FY_23_24_v1_16042024_8c2019a475.pdf","sha256":"66b2beb4218b4640c677b31529ff72bc3c39ae6bc22015e016b529a359733a89","pages":7,"collected":"2026-10-17","instructions":{"about":"This form is used by the insured person to notify and claim for physical loss or damage under the Smart Personal Protection Policy.","notes":["Attach original blank cancelled cheque signed by the payee for EFT mandate.","Attach PAN card copy of payee for EFT mandate.","Attach police complaint copy if loss is reported to police.","Attach copy of report submitted to authority if accident is reported.","Use separate sheet if estimated loss amount details do not fit.","Signature and stamp of insured/claimant required on declaration page."],"title":"Smart Personal Protection Policy Claim Form","submit":{"to":"","how":"","address":""},"purpose":"claim","sections":[{"title":"I DETAILS OF INSURED","fields":[{"help":"","type":"text","label":"Name","options":[],"required":null,"pdf_field":""},{"help":"","type":"text","label":"Address for correspondence","options":[],"required":null,"pdf_field":""},{"help":"Provide phone number and/or email","type":"text","label":"Contact Number/ Email ID","options":[],"required":null,"pdf_field":""},{"help":"State the insurance coverage period","type":"text","label":"Period of Insurance","options":[],"required":null,"pdf_field":""},{"help":"Indicate Yes or No for each section and benefit you are claiming under","type":"choice","label":"Please state the sections under which you are making a claim","options":["Section 1: Card Fraud Protection","Section 2: Wallet Protection","Section 3: Mobile Phone Protection","Section 4: Gadget Protection","Section 5: ATM Protection","Section 6: Expenses Protection","Section 7: Credit Protection","Section 8: Personal Liability Protection","Section 9: Golfer’s Hole-In-One","Section 10: Travel Insurance","Section 11: Personal Accident Cover","Section 12: Collision Damage Waiver","Section 13: Misfuelling","Section 14: Baggage Cover","Section 15: Value Added Services"],"required":null,"pdf_field":""},{"help":"Enter your policy number","type":"text","label":"POLICY NO","options":[],"required":null,"pdf_field":""},{"help":"To be entered by insured","type":"text","label":"CLAIM NO","options":[],"required":null,"pdf_field":""}],"filled_by":"insured"},{"title":"II Details Of Loss/ Damage (Applicable for all Sections)","fields":[{"help":"Provide date and time of incident","type":"date","label":"Date and time of accident/ loss/ damage/ Incident","options":[],"required":null,"pdf_field":""},{"help":"Provide date and time when loss was discovered","type":"date","label":"Date and time of discovery","options":[],"required":null,"pdf_field":""},{"help":"Provide location details","type":"text","label":"Place and address of Loss/Accident","options":[],"required":null,"pdf_field":""},{"help":"Describe cause or nature of loss","type":"text","label":"Cause/Reason/ Nature of Loss/Accident","options":[],"required":null,"pdf_field":""},{"help":"Indicate if police was informed","type":"yes-no","label":"Was the Loss Reported to Police?","options":["Yes","No"],"required":null,"pdf_field":""},{"help":"Attach police complaint copy if applicable","type":"attachment","label":"If yes, provide copy of police Complaint","options":[],"required":null,"pdf_field":""},{"help":"Provide full details of the incident","type":"text","label":"Detailed description of the incident","options":[],"required":null,"pdf_field":""},{"help":"Provide any other relevant information","type":"text","label":"Additional details related to Claim, if any","options":[],"required":false,"pdf_field":""},{"help":"Provide estimated loss amount; attach separate sheet if necessary","type":"amount","label":"Estimated amount of Loss","options":[],"required":null,"pdf_field":""},{"help":"Mention any previous losses","type":"text","label":"Previous loss history (if any)","options":[],"required":false,"pdf_field":""},{"help":"Provide details if asset is insured elsewhere","type":"text","label":"Details of other insurance on insured asset (if any)","options":[],"required":false,"pdf_field":""}],"filled_by":"insured"},{"title":"III Section 1: Fraud Protection","fields":[{"help":"Provide card number related to claim","type":"text","label":"Card Number","options":[],"required":null,"pdf_field":""},{"help":"Provide bank or card issuer name","type":"text","label":"Name of the Bank/Card Issuer","options":[],"required":null,"pdf_field":""},{"help":"Indicate if card was stolen or lost","type":"yes-no","label":"Was the Card stolen or lost","options":["Yes","No"],"required":null,"pdf_field":""},{"help":"Date when card issuer was informed","type":"date","label":"Date of Intimation to Card Issuer","options":[],"required":null,"pdf_field":""}],"filled_by":"insured"},{"title":"IV Section 6: Expenses Protection","fields":[{"help":"Describe the loss or damage","type":"text","label":"Nature of loss/damage","options":[],"required":null,"pdf_field":""},{"help":"Provide details of loss or damage","type":"text","label":"Description of loss/damage","options":[],"required":null,"pdf_field":""},{"help":"Indicate if police was informed for theft","type":"yes-no","label":"In case of theft, was the loss reported to Police?","options":["Yes","No"],"required":null,"pdf_field":""},{"help":"Attach police complaint or FIR copy","type":"attachment","label":"If yes, provide copy of police complaint/FIR","options":[],"required":null,"pdf_field":""},{"help":"Expected delivery date","type":"date","label":"Scheduled date of delivery","options":[],"required":null,"pdf_field":""},{"help":"Date when seller was informed about non-delivery","type":"date","label":"Date of intimation to seller in case of non-delivery of goods","options":[],"required":null,"pdf_field":""},{"help":"Date when seller was informed about damage","type":"date","label":"Date of intimation to seller in case of improper functioning due to damage of delivered goods during transit","options":[],"required":null,"pdf_field":""},{"help":"Location of purchase","type":"text","label":"Place/Address of purchase","options":[],"required":null,"pdf_field":""},{"help":"Price paid for product","type":"amount","label":"Original price of purchased product","options":[],"required":null,"pdf_field":""},{"help":"Price shown in advertisement","type":"amount","label":"Amount shown in printed advertisement/ In-Store Printed Promotion/ No-Auction Internet Advertisement, for the same item identified by the same brand, make, model","options":[],"required":null,"pdf_field":""},{"help":"Date of advertisement publication","type":"date","label":"Date of publication of printed advertisement, In-Store Printed Promotion or No-Auction Internet Advertisement","options":[],"required":null,"pdf_field":""},{"help":"Location of advertisement","type":"text","label":"Place/Address of the printed advertisement","options":[],"required":null,"pdf_field":""},{"help":"Event date and time","type":"date","label":"Scheduled date and time of the event","options":[],"required":null,"pdf_field":""},{"help":"Describe incident preventing attendance","type":"text","label":"Nature and type of incident preventing insured to attend the event","options":[],"required":null,"pdf_field":""},{"help":"Date and time of incident","type":"date","label":"Date and time of the incident preventing insured to attend the event","options":[],"required":null,"pdf_field":""}],"filled_by":"insured"},{"title":"V Section 8: Personal Liability Protection","fields":[{"help":"Date and time of incident","type":"date","label":"Date & Time of occurrence","options":[],"required":null,"pdf_field":""},{"help":"Location of incident","type":"text","label":"Place of incident","options":[],"required":null,"pdf_field":""},{"help":"Describe incident details","type":"text","label":"Brief description of the kind and history of the occurrence","options":[],"required":null,"pdf_field":""},{"help":"Indicate if injuries occurred","type":"yes-no","label":"Has any person sustained any injuries in the accident?","options":["Yes","No"],"required":null,"pdf_field":""},{"help":"Occupation of injured person(s)","type":"text","label":"Occupation","options":[],"required":null,"pdf_field":""},{"help":"Location of injured person(s) during accident","type":"text","label":"State where such person(s) was/were at the time of accident","options":[],"required":null,"pdf_field":""},{"help":"Names of injured persons","type":"text","label":"If so, Give name(s) of such Person(s)","options":[],"required":null,"pdf_field":""},{"help":"Addresses of injured persons","type":"text","label":"Address(es)","options":[],"required":null,"pdf_field":""},{"help":"City of injured persons","type":"text","label":"City","options":[],"required":null,"pdf_field":""},{"help":"Postal code","type":"number","label":"Pin Code","options":[],"required":null,"pdf_field":""},{"help":"Medical treatment details","type":"text","label":"Has/Have the injured person(s) been removed to hospital or medically attended? If so, give particulars","options":[],"required":null,"pdf_field":""},{"help":"Indicate if property or livestock damaged","type":"yes-no","label":"Has the accident/Loss caused damage to property or livestock?","options":["Yes","No"],"required":null,"pdf_field":""},{"help":"Indicate if claim made against you","type":"yes-no","label":"Has any claim been made upon you by any person?","options":["Yes","No"],"required":null,"pdf_field":""},{"help":"Indicate if reported to authority","type":"yes-no","label":"Has the accident been reported to any authority?","options":["Yes","No"],"required":null,"pdf_field":""},{"help":"Attach authority report if applicable","type":"attachment","label":"If so, state to whom and attach a copy of the report submitted What action, if any, has been taken by the authority?","options":[],"required":null,"pdf_field":""}],"filled_by":"insured"},{"title":"VI Section 10: Travel Insurance","fields":[{"help":"Provide value of lost items","type":"amount","label":"Value of the items lost","options":[],"required":null,"pdf_field":""},{"help":"Airline name","type":"text","label":"Name of the airline","options":[],"required":null,"pdf_field":""},{"help":"Flight number and route","type":"text","label":"Flight Details - Flight Number, From, To","options":[],"required":null,"pdf_field":""},{"help":"Reference number from airline","type":"text","label":"Airline Reference No","options":[],"required":null,"pdf_field":""},{"help":"Scheduled arrival date and time","type":"date","label":"Schedule date/time of arrival","options":[],"required":null,"pdf_field":""},{"help":"Actual arrival date and time","type":"date","label":"Actual date/time of arrival","options":[],"required":null,"pdf_field":""},{"help":"Duration of delay in hours","type":"number","label":"No of hours delayed","options":[],"required":null,"pdf_field":""},{"help":"Provide compensation details","type":"text","label":"Details of compensation received from the airline, if any","options":[],"required":false,"pdf_field":""},{"help":"Total cost of items purchased","type":"amount","label":"TOTAL","options":[],"required":false,"pdf_field":""},{"help":"Deduct compensation amount","type":"amount","label":"Less Compensation received from airline","options":[],"required":false,"pdf_field":""},{"help":"Net claim amount after compensation","type":"amount","label":"Net Amount","options":[],"required":false,"pdf_field":""},{"help":"Flight number and route","type":"text","label":"Flight Details - Flight Number, From, To","options":[],"required":null,"pdf_field":""},{"help":"Reference number","type":"text","label":"Airline Reference No","options":[],"required":null,"pdf_field":""},{"help":"Scheduled arrival date/time","type":"date","label":"Schedule date/time of arrival","options":[],"required":null,"pdf_field":""},{"help":"Actual arrival date/time","type":"date","label":"Actual date/time of arrival","options":[],"required":null,"pdf_field":""},{"help":"Delay duration in hours","type":"number","label":"No of hours delayed","options":[],"required":null,"pdf_field":""},{"help":"Reason for delay","type":"text","label":"Cause of delay","options":[],"required":null,"pdf_field":""},{"help":"Hospital discharge date","type":"date","label":"Date of discharge","options":[],"required":null,"pdf_field":""},{"help":"Hospital details","type":"text","label":"Name and address where insured was hospitalized","options":[],"required":null,"pdf_field":""},{"help":"Carrier name","type":"text","label":"Name of the Common Carrier","options":[],"required":null,"pdf_field":""},{"help":"Flight number and route","type":"text","label":"Flight Details - Flight Number, From, To","options":[],"required":null,"pdf_field":""},{"help":"Reference number","type":"text","label":"Airline Reference No","options":[],"required":null,"pdf_field":""},{"help":"Scheduled departure date/time","type":"date","label":"Schedule date/time of departure","options":[],"required":null,"pdf_field":""},{"help":"Scheduled arrival date/time","type":"date","label":"Schedule date/time of arrival","options":[],"required":null,"pdf_field":""},{"help":"Date and time hijacking occurred","type":"date","label":"Date/time of Hijack","options":[],"required":null,"pdf_field":""},{"help":"Date and time of return","type":"date","label":"Date & time of Return from hijack","options":[],"required":null,"pdf_field":""},{"help":"Describe hijacking incident","type":"text","label":"Please provide details of the incident","options":[],"required":null,"pdf_field":""},{"help":"Flight number and route","type":"text","label":"Flight Details - Flight Number, From, To","options":[],"required":null,"pdf_field":""},{"help":"Reference number","type":"text","label":"Airline Reference No","options":[],"required":null,"pdf_field":""},{"help":"Scheduled arrival date/time","type":"date","label":"Schedule date/time of arrival","options":[],"required":null,"pdf_field":""},{"help":"Actual arrival date/time","type":"date","label":"Actual date/time of arrival","options":[],"required":null,"pdf_field":""},{"help":"Delay duration in hours","type":"number","label":"No of hours delayed","options":[],"required":null,"pdf_field":""},{"help":"Flight number and route","type":"text","label":"Flight Details - Flight Number, From, To","options":[],"required":null,"pdf_field":""},{"help":"Reference number","type":"text","label":"Airline Reference No","options":[],"required":null,"pdf_field":""},{"help":"Scheduled departure date/time","type":"date","label":"Schedule date/time of departure","options":[],"required":null,"pdf_field":""},{"help":"Reason for cancellation or interruption","type":"text","label":"Cause for Cancellation/Interruption","options":[],"required":null,"pdf_field":""},{"help":"List expenses with date, place, and amount","type":"table","label":"Details of expenses incurred - Expenses incurred, Date, Place, Amount","options":[],"required":false,"pdf_field":""},{"help":"Refund amount received","type":"amount","label":"Amount refunded by airline/hotel","options":[],"required":false,"pdf_field":""},{"help":"Total expenses","type":"amount","label":"TOTAL","options":[],"required":false,"pdf_field":""},{"help":"Carrier details and route","type":"text","label":"Common Carrier Details - Common Carrier Number, From, To","options":[],"required":null,"pdf_field":""},{"help":"Reference number","type":"text","label":"Airline Reference No","options":[],"required":null,"pdf_field":""},{"help":"Scheduled departure date/time","type":"date","label":"Schedule date/time of departure","options":[],"required":null,"pdf_field":""},{"help":"Cancellation date and time","type":"date","label":"Date and Time of Cancellation by Common Carrier","options":[],"required":null,"pdf_field":""},{"help":"Location of incident","type":"text","label":"Place of incident","options":[],"required":null,"pdf_field":""},{"help":"Describe incident","type":"text","label":"Brief description of the kind and history of the occurrence","options":[],"required":null,"pdf_field":""},{"help":"Indicate if injuries occurred","type":"yes-no","label":"Has any person sustained any injuries in the accident?","options":["Yes","No"],"required":null,"pdf_field":""},{"help":"Occupation of injured person(s)","type":"text","label":"Occupation","options":[],"required":null,"pdf_field":""},{"help":"Location of injured person(s) during accident","type":"text","label":"State where such person(s) was/were at the time of accident","options":[],"required":null,"pdf_field":""},{"help":"Names of injured persons","type":"text","label":"If so, Give name(s) of such Person(s)","options":[],"required":null,"pdf_field":""},{"help":"Addresses of injured persons","type":"text","label":"Address(es)","options":[],"required":null,"pdf_field":""},{"help":"City of injured persons","type":"text","label":"City","options":[],"required":null,"pdf_field":""},{"help":"Postal code","type":"number","label":"Pin Code","options":[],"required":null,"pdf_field":""},{"help":"Medical treatment details","type":"text","label":"Has/Have the injured person(s) been removed to hospital or medically attended? If so, give particulars","options":[],"required":null,"pdf_field":""},{"help":"Indicate if property or livestock damaged","type":"yes-no","label":"Has the accident/Loss caused damage to property or livestock?","options":["Yes","No"],"required":null,"pdf_field":""},{"help":"Indicate if claim made against you","type":"yes-no","label":"Has any claim been made upon you by any person?","options":["Yes","No"],"required":null,"pdf_field":""},{"help":"Indicate if reported to authority","type":"yes-no","label":"Has the accident been reported to any authority?","options":["Yes","No"],"required":null,"pdf_field":""},{"help":"Attach authority report if applicable","type":"attachment","label":"If so, state to whom and attach a copy of the report submitted What action, if any, has been taken by the authority?","options":[],"required":null,"pdf_field":""}],"filled_by":"insured"},{"title":"VII Section 7 (Credit Protection) and Section 11 (Personal Accident Cover)","fields":[{"help":"Name of injured or deceased insured person","type":"text","label":"Name of the insured person who had sustained injury / Died","options":[],"required":null,"pdf_field":""},{"help":"Occupation of insured person","type":"text","label":"Occupation","options":[],"required":null,"pdf_field":""},{"help":"Age of insured person","type":"number","label":"Age","options":[],"required":null,"pdf_field":""},{"help":"Describe cause of accident","type":"text","label":"Cause of accident","options":[],"required":null,"pdf_field":""},{"help":"Describe injuries","type":"text","label":"Details of injuries sustained","options":[],"required":null,"pdf_field":""},{"help":"Treatment details","type":"text","label":"Details of treatment","options":[],"required":null,"pdf_field":""},{"help":"Describe any disability","type":"text","label":"Disability Details","options":[],"required":false,"pdf_field":""},{"help":"Sum insured amount","type":"amount","label":"Sum Insured","options":[],"required":null,"pdf_field":""},{"help":"Attach police report if applicable","type":"attachment","label":"Police Report details, if any","options":[],"required":false,"pdf_field":""}],"filled_by":"insured"},{"title":"VIII Section 12: Collision Damage Waiver","fields":[{"help":"Provide date and location of collision","type":"text","label":"Date and place of collision","options":[],"required":null,"pdf_field":""},{"help":"Describe collision incident","type":"text","label":"Details of incident","options":[],"required":null,"pdf_field":""}],"filled_by":"insured"},{"title":"IX Section 13: Misfuelling","fields":[{"help":"Provide date and location of misfuelling","type":"text","label":"Date and place of incident","options":[],"required":null,"pdf_field":""},{"help":"Describe misfuelling incident","type":"text","label":"Details of incident","options":[],"required":null,"pdf_field":""}],"filled_by":"insured"},{"title":"X Section 14: Baggage","fields":[{"help":"Describe lost or damaged baggage","type":"text","label":"Details of Baggage lost/ damaged","options":[],"required":null,"pdf_field":""},{"help":"Provide value of lost items","type":"amount","label":"Value of the items lost","options":[],"required":null,"pdf_field":""}],"filled_by":"insured"},{"title":"Declarations and Signature","fields":[{"help":"Place of signing","type":"text","label":"Place","options":[],"required":null,"pdf_field":""},{"help":"Date of signing","type":"date","label":"Date","options":[],"required":null,"pdf_field":""},{"help":"Sign and stamp the form","type":"signature","label":"Signature and Stamp of the Insured/ Claimant","options":[],"required":true,"pdf_field":""}],"filled_by":"insured"},{"title":"Direct Fund Transfer / EFT mandate Form","fields":[{"help":"Select Yes or No","type":"choice","label":"Would you like to continue with the NEFT details provided in the proposal form for Claim payment?","options":["Yes","No"],"required":null,"pdf_field":""},{"help":"Provide payee name as per bank records","type":"text","label":"If No, Kindly provide the below mentioned details - Payee name (as per bank records)","options":[],"required":null,"pdf_field":""},{"help":"Provide bank account number","type":"text","label":"Payee account no","options":[],"required":null,"pdf_field":""},{"help":"Select account type","type":"choice","label":"Type of account","options":["Saving","Current","Others"],"required":null,"pdf_field":""},{"help":"Provide bank name","type":"text","label":"Name of the bank","options":[],"required":null,"pdf_field":""},{"help":"Provide branch name","type":"text","label":"Branch Name","options":[],"required":null,"pdf_field":""},{"help":"Provide bank address","type":"text","label":"Address of the bank","options":[],"required":null,"pdf_field":""},{"help":"Provide IFSC code","type":"text","label":"IFSC Code of the bank","options":[],"required":null,"pdf_field":""},{"help":"Provide MICR code","type":"text","label":"MICR code of the Bank","options":[],"required":null,"pdf_field":""},{"help":"Provide PAN card number","type":"text","label":"PAN of the payee","options":[],"required":null,"pdf_field":""},{"help":"Attach original cancelled cheque with signature","type":"attachment","label":"Please attach an Original Blank Cancelled Cheque signed by the payee","options":[],"required":true,"pdf_field":""},{"help":"Attach PAN card copy","type":"attachment","label":"Please attach a PAN Card copy of Payee","options":[],"required":true,"pdf_field":""},{"help":"Sign here","type":"signature","label":"Signature of the Account Holder","options":[],"required":true,"pdf_field":""}],"filled_by":"insured"}],"deadlines":[],"applies_to":"Claims under various sections and benefits of the Smart Personal Protection Policy as listed in the form","attachments":["Copy of police complaint (if loss reported to police)","Separate sheet if necessary for estimated amount of loss","Copy of police complaint/FIR (for theft claims)","Copy of report submitted to authority (if accident reported)","Police report details (if any)","Original Blank Cancelled Cheque signed by the payee","PAN Card copy of Payee"],"declarations":["The statements/information given in this claim form are true, correct and complete.","All persons having interest in the property are disclosed as per proposal or policy endorsement.","No material information relevant to claim processing has been withheld.","False or fraudulent statements or concealment of material information will void the policy and claims.","Receipt of this claim form or documents does not constitute admission of liability by the company.","The company reserves the right to process, reject or require further information for the claim."],"dropped_labels":18},"pdf_fields":null,"fillable_pdf":false,"send_to":[{"purpose":"claim","channel":"address","value":"Family Health Plan Insurance TPA Limited, Srinilaya – Cyber Spazio, Suite # 101,102,109&110, Ground Floor,Road No. 2, Banjara Hills, Hyderabad : 500034, Telangana , India","label":"Health claims department address","level":null,"hours":null,"applies_to":"health","source_url":"https://www.zurichkotak.com/services/claims","quote":"g address as early as possible, but no later than 30 days from the date of discharge.\nHealth claims department address:\nFamily Health Plan Insurance TPA Limited, Srinilaya – Cyber Spazio, Suite # 101,102,109&110, Ground Floor,Road No. 2, Banjara Hills, Hyderabad : 500034, Telangana , India\nIs there any time period for filing pre and post hospital claims?\nThe pre-hospitalisation claim documents duly complete","fetched_at":"2026-10-20"},{"purpose":"claim","channel":"email","value":"care@zurichkotak.com","label":"Email Address","level":null,"hours":null,"applies_to":"all","source_url":"https://www.zurichkotak.com/services/claims","quote":"in\nToll Number (INDIA And Overseas)\n+91-22-69417220\nToll Free Number\n1800 2120\nWhatsApp Number\n7998879988\nEmail Address\ncare@zurichkotak.com\nOur WhatsApp number cannot be used for calls. This is chat only number.\nAccessibility\nZoom in page\nZoom out page\nIncrea","fetched_at":"2026-10-20"},{"purpose":"claim","channel":"phone","value":"1800 2120","label":"Toll Free Number","level":null,"hours":null,"applies_to":"all","source_url":"https://www.zurichkotak.com/services/claims","quote":"age claims\nCustomer support\nGrievance redressal\nLogin\nToll Number (INDIA And Overseas)\n+91-22-69417220\nToll Free Number\n1800 2120\nWhatsApp Number\n7998879988\nEmail Address\ncare@zurichkotak.com\nOur WhatsApp number cannot be used for calls. This is cha","fetched_at":"2026-10-20"},{"purpose":"claim","channel":"phone","value":"+91-22-69417220","label":"Toll Number (INDIA And Overseas)","level":null,"hours":"IST 8 am to 8 pm","applies_to":"all","source_url":"https://www.zurichkotak.com/services/claims","quote":"Download policy\nManage policy\nManage claims\nCustomer support\nGrievance redressal\nLogin\nToll Number (INDIA And Overseas)\n+91-22-69417220\nToll Free Number\n1800 2120\nWhatsApp Number\n7998879988\nEmail Address\ncare@zurichkotak.com\nOur WhatsApp number cannot be","fetched_at":"2026-10-20"}],"how_to_use":"Ask the user for each field in order, in plain words; never invent an answer. Labels are as printed. If fillable_pdf is true, pdf_fields gives the PDF's own field names so the file can be filled directly. The printed form decides if anything differs.","url":"https://indiainsurances.com/forms/zurich-kotak-general-insurance/2397-smart-personal-protection-policy-claim-form"}