{"uin":"ACKHLGA20090V021920","name":"Group Personal Accident Policy","url":"https://indiainsurances.com/policy/acko-general-insurance/group-personal-accident-policy-ackhlga20090v021920","insurer":{"slug":"acko-general-insurance","name":"Acko General Insurance Limited","url":"https://indiainsurances.com/insurer/acko-general-insurance"},"line":"health","category":"personal-accident","category_name":"Personal accident","irdai_type":"Revision","kind":"product","status":"active","approved_on":"2020-09-30","withdrawn_on":null,"summary":"Loan Shield Rider can only be purchased with the Base Plan and adds EMI repayment and loan repayment benefits for covered events. Claims under the rider must be made within 30 days of the insured person's illness or injury.","analysis":{"state":"machine","analysed_at":"2026-10-19 17:55:24.425275+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"The documents describe rider benefits and critical-illness groupings, but do not state named plan variants.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The rider refers to the Coverage Period and the Base Plan, but no fixed policy term is stated.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"All claims must be made within 30 days of the occurrence of the Insured Person’s Illness or Injury.","display":"Within 30 days of the occurrence of the Insured Person’s Illness or Injury","note":null,"quote":"All claims must be made in accordance with the procedure set out in the Base Plan, with due submission of the necessary information and documentation specified in Section F (Claims Procedure and Requirements), within 30 days of the occurrence of the Insured Person’s Illness or Injury.","sources":[{"clause":"Section C","heading":"Benefits","page":2,"url":"https://indiainsurances.com/policy/acko-general-insurance/group-personal-accident-policy-ackhlga20090v021920/document/1728#c-section-c"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Our duly filled and signed Claim Form","Name and address of the Insured Person in respect of whom the claim is being made","Copies of valid KYC documents of the Nominee/claimant","Copy of loan approval letter","Medical Certificate from treating Doctor","Details of any other related document Medical Bills with Prescription","Medical reports, case histories, investigation reports, treatment papers as applicable","EMI due statement","Last EMI paid proof","Photograph of the injured with reflecting disablement","FIR / MLC Copy (if MLC is done) / Spot Panchnama-where applicable- Attested by issuing authority","Disability Certificate from appropriate Government Authority Medical Certificate from treating Doctor","Nature of Critical Illness","Medical Investigations report with prescription First Consultation and subsequent prescription","Discharge summary","Death Certificate attested by issuing/ appropriate authority","Post Mortem Report where applicable- attested by issuing authorities","Loan due statement","Last EMI paid proof"],"display":"Claim form, insured person's details, KYC, loan approval letter, medical certificate and records, EMI or loan due statements, accident documents, and death or post-mortem documents where applicable","note":"Any additional information might be asked by the insurer if required.","quote":"Common Documents | • Our duly filled and signed Claim Form • Name and address of the Insured Person in respect of whom the claim is being made; • Copies of valid KYC documents of the Nominee/claimant, any other regulatory requirements, as amended from time to time. ... • Copy of loan approval letter ... • Medical Certificate from treating Doctor ... • Details of any other related document Medical Bills with Prescription ... • Medical reports, case histories, investigation reports, treatment papers as applicable ... • EMI due statement ... • Last EMI paid proof EMI repayment ... • Photograph of the injured with reflecting disablement ... • FIR / MLC Copy (if MLC is done) / Spot Panchnama-where applicable- Attested by issuing authority ... • Disability Certificate from appropriate Government Authority Medical Certificate from treating Doctor ... • Nature of Critical Illness ... • Medical Investigations report with prescription First Consultation and subsequent prescription ... • Discharge summary ... • Death Certificate attested by issuing/ appropriate authority ... • Post Mortem Report where applicable- attested by issuing authorities ... • Loan due statement ... • Last EMI paid proof","sources":[{"clause":null,"heading":"Claims Procedure & Requirements","page":4,"url":"https://indiainsurances.com/policy/acko-general-insurance/group-personal-accident-policy-ackhlga20090v021920/document/1728#c-claims-procedure-requirements"},{"clause":null,"heading":"Additional Documents required in case of critical illness","page":5,"url":"https://indiainsurances.com/policy/acko-general-insurance/group-personal-accident-policy-ackhlga20090v021920/document/1728#c-additional-documents-required-in-case-of-critica"},{"clause":null,"heading":"Additional Documents required in case of Specific Vector Borne","page":5,"url":"https://indiainsurances.com/policy/acko-general-insurance/group-personal-accident-policy-ackhlga20090v021920/document/1728#c-additional-documents-required-in-case-of-specifi"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"not-stated","value":null,"display":null,"note":"The prospectus says Acko tries to settle claims quickly, but no promised claim decision or payment time is stated.","quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["exclusions specified under the Base Plan","EMIs that are overdue and unpaid to the financial institution prior to such occurrence or event","any additional amounts imposed by a financial institution, or otherwise falling due as a penalty or by way of a default in repayment","Angioplasty and/or any other intra-arterial procedures","Coma resulting directly from alcohol or drug abuse","Parkinson’s disease secondary to drug and/or alcohol abuse","Temporary or reversible Aplastic Anaemia","Liver failure secondary to alcohol or drug abuse","Encephalitis in the presence of HIV infection","Burr hole surgery / brain surgery on account of an accident"],"display":"Base Plan exclusions apply; overdue loan amounts, penalties or default charges are not paid; selected critical-illness exclusions include angioplasty for CABG, alcohol or drug-related coma or Parkinson’s disease, temporary aplastic anaemia, alcohol or drug-related liver failure, encephalitis with HIV, and burr-hole or accident-related brain surgery.","note":"The rider also incorporates exclusions under the Base Plan; those Base Plan exclusions are not provided in the supplied documents.","quote":"We shall not be liable to make any payment for any claim under this Rider arising from, caused by, in connection with, or in respect of, the exclusions specified under the Base Plan, in respect of an Insured Person. ... i) EMIs that are overdue and unpaid to the financial institution prior to such occurrence or event, ... ii) any additional amounts imposed by a financial institution, or otherwise falling due as a penalty or by way of a default in repayment, ... i) Angioplasty and/or any other intra-arterial procedures ... Coma resulting directly from alcohol or drug abuse is excluded. ... Parkinson’s disease secondary to drug and/or alcohol abuse is excluded. ... III) Temporary or reversible Aplastic Anaemia is excluded. ... II) Liver failure secondary to alcohol or drug abuse is excluded. ... i) Encephalitis in the presence of HIV infection is excluded. ... i) Burr hole surgery / brain surgery on account of an accident.","sources":[{"clause":"Section D","heading":"Exclusions","page":4,"url":"https://indiainsurances.com/policy/acko-general-insurance/group-personal-accident-policy-ackhlga20090v021920/document/1728#c-section-d"},{"clause":"4","heading":"Principal Outstanding Amount: Principal Outstanding Amount","page":1,"url":"https://indiainsurances.com/policy/acko-general-insurance/group-personal-accident-policy-ackhlga20090v021920/document/1728#c-4"},{"clause":"3","heading":"Open Chest CABG","page":8,"url":"https://indiainsurances.com/policy/acko-general-insurance/group-personal-accident-policy-ackhlga20090v021920/document/1728#c-3-2"},{"clause":"10","heading":"Coma of Specified Severity","page":9,"url":"https://indiainsurances.com/policy/acko-general-insurance/group-personal-accident-policy-ackhlga20090v021920/document/1728#c-10"},{"clause":"14","heading":"Parkinson’s Disease","page":10,"url":"https://indiainsurances.com/policy/acko-general-insurance/group-personal-accident-policy-ackhlga20090v021920/document/1728#c-14"},{"clause":"21","heading":"Aplastic Anaemia","page":12,"url":"https://indiainsurances.com/policy/acko-general-insurance/group-personal-accident-policy-ackhlga20090v021920/document/1728#c-21"},{"clause":"22","heading":"End Stage Liver Failure","page":12,"url":"https://indiainsurances.com/policy/acko-general-insurance/group-personal-accident-policy-ackhlga20090v021920/document/1728#c-22"},{"clause":"28","heading":"Encephalitis","page":13,"url":"https://indiainsurances.com/policy/acko-general-insurance/group-personal-accident-policy-ackhlga20090v021920/document/1728#c-28"},{"clause":"36","heading":"Brain Surgery","page":15,"url":"https://indiainsurances.com/policy/acko-general-insurance/group-personal-accident-policy-ackhlga20090v021920/document/1728#c-36"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"For grievance resolution, contact Acko on toll-free helpline 1800 210 4990 or write to grievance@acko.com. If dissatisfied or no response is received within 14 working days, escalate to the Chief Grievance Officer at gro@acko.com.","display":"Acko grievance helpline 1800 210 4990 or grievance@acko.com, then Chief Grievance Officer at gro@acko.com","note":null,"quote":"For resolution of grievance, insured may contact the company on our toll-free helpline number 1800 210 4990 (Operating hours: 10 AM – 7 PM, all days of the week). ... you can also write to grievance@acko.com. ... If in case you are dissatisfied with the decision/resolution provided through details indicated above on your Complaint or have not received any response within 14 working days, you may write or email to Chief Grievance Officer:\nEmail: gro@acko.com","sources":[{"clause":"Annexure II","heading":"Grievance Redressal","page":16,"url":"https://indiainsurances.com/policy/acko-general-insurance/group-personal-accident-policy-ackhlga20090v021920/document/1728#c-annexure-ii"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"quote-verified","value":"EMI repayment to Loan Provider: ₹ 1,000 to ₹ 25,00,00,000. Loan repayment to Loan Provider: ₹ 1,000 to ₹ 5,00,00,000.","display":"EMI repayment: ₹ 1,000 to ₹ 25,00,00,000; Loan repayment: ₹ 1,000 to ₹ 5,00,00,000","note":"From the prospectus. The policy wording otherwise says amounts are as specified in the Policy Schedule or Certificate of Insurance.","quote":"1 | Indemnity | • any kind of hospitalization, | ₹ 1,000 | ₹ 25,00,00,000 ... Loan repayment | loan amount, in the event of\n2 | Indemnity | ₹ 1,000 | ₹ 5,00,00,000\nto Loan Provider | accidental death or permanent\ntotal disability.","sources":[{"clause":"II(b)","heading":"Physical separation of one hand or foot","page":2,"url":"https://indiainsurances.com/policy/acko-general-insurance/group-personal-accident-policy-ackhlga20090v021920/document/1658#c-ii-b-2"}],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"not-stated","value":null,"display":null,"note":"The rider only refers to applicable Waiting Periods, if any, as specified in the Policy Schedule or Certificate of Insurance.","quote":null,"sources":[],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"not-stated","value":null,"display":null,"note":"No pre-existing disease waiting period is printed in the supplied rider documents.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"not-stated","value":null,"display":null,"note":"The rider lists covered critical illnesses and vector borne diseases, but does not state a specific illness waiting period.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"not-stated","value":null,"display":null,"note":"The supplied documents do not identify any illnesses or procedures as carrying a specific waiting period.","quote":null,"sources":[],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"not-stated","value":null,"display":null,"note":"No moratorium period is stated in the supplied rider documents.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"not-stated","value":null,"display":null,"note":"No portability right or waiting-period credit is stated in the supplied rider documents.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"not-stated","value":null,"display":null,"note":"The supplied rider documents do not state lifelong renewal.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"not-stated","value":null,"display":null,"note":"No premium loading after claims is stated in the supplied rider documents.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"quote-verified","value":["Other acute Coronary Syndromes","Any type of angina pectoris","Angioplasty and/or any other intra-arterial procedures","Other causes of neurological damage such as SLE is excluded","Coma resulting directly from alcohol or drug abuse","Parkinson’s disease secondary to drug and/or alcohol abuse","Temporary or reversible Aplastic Anaemia","Liver failure secondary to alcohol or drug abuse","Encephalitis in the presence of HIV infection","Spinal cord injury","Burr hole surgery / brain surgery on account of an accident"],"display":"The rider applies Base Plan exclusions and also excludes listed critical-illness situations such as other acute coronary syndromes, angina, angioplasty for CABG, SLE-related neurological damage, alcohol or drug-related coma or Parkinson’s disease, temporary aplastic anaemia, alcohol or drug-related liver failure, encephalitis with HIV, spinal cord injury, and burr-hole or accident-related brain surgery.","note":"No Excl04 to Excl18 codes are printed in the supplied rider documents. Base Plan exclusions are incorporated but not included in the supplied documents.","quote":"We shall not be liable to make any payment for any claim under this Rider arising from, caused by, in connection with, or in respect of, the exclusions specified under the Base Plan, in respect of an Insured Person. ... i) Other acute Coronary Syndromes\nii) Any type of angina pectoris ... i) Angioplasty and/or any other intra-arterial procedures ... II) Other causes of neurological damage such as SLE is excluded. ... Coma resulting directly from alcohol or drug abuse is excluded. ... Parkinson’s disease secondary to drug and/or alcohol abuse is excluded. ... III) Temporary or reversible Aplastic Anaemia is excluded. ... II) Liver failure secondary to alcohol or drug abuse is excluded. ... i) Encephalitis in the presence of HIV infection is excluded. ... i) Spinal cord injury; ... i) Burr hole surgery / brain surgery on account of an accident.","sources":[{"clause":"Section D","heading":"Exclusions","page":4,"url":"https://indiainsurances.com/policy/acko-general-insurance/group-personal-accident-policy-ackhlga20090v021920/document/1728#c-section-d"},{"clause":"2","heading":"Myocardial Infraction (First Heart attack of specified severity)","page":8,"url":"https://indiainsurances.com/policy/acko-general-insurance/group-personal-accident-policy-ackhlga20090v021920/document/1728#c-2-3"},{"clause":"3","heading":"Open Chest CABG","page":8,"url":"https://indiainsurances.com/policy/acko-general-insurance/group-personal-accident-policy-ackhlga20090v021920/document/1728#c-3-2"},{"clause":"9","heading":"Multiple Sclerosis with Persisting Symptoms","page":9,"url":"https://indiainsurances.com/policy/acko-general-insurance/group-personal-accident-policy-ackhlga20090v021920/document/1728#c-9-2"},{"clause":"10","heading":"Coma of Specified Severity","page":9,"url":"https://indiainsurances.com/policy/acko-general-insurance/group-personal-accident-policy-ackhlga20090v021920/document/1728#c-10"},{"clause":"14","heading":"Parkinson’s Disease","page":10,"url":"https://indiainsurances.com/policy/acko-general-insurance/group-personal-accident-policy-ackhlga20090v021920/document/1728#c-14"},{"clause":"21","heading":"Aplastic Anaemia","page":12,"url":"https://indiainsurances.com/policy/acko-general-insurance/group-personal-accident-policy-ackhlga20090v021920/document/1728#c-21"},{"clause":"22","heading":"End Stage Liver Failure","page":12,"url":"https://indiainsurances.com/policy/acko-general-insurance/group-personal-accident-policy-ackhlga20090v021920/document/1728#c-22"},{"clause":"28","heading":"Encephalitis","page":13,"url":"https://indiainsurances.com/policy/acko-general-insurance/group-personal-accident-policy-ackhlga20090v021920/document/1728#c-28"},{"clause":"31(vi)","heading":"Feeding","page":14,"url":"https://indiainsurances.com/policy/acko-general-insurance/group-personal-accident-policy-ackhlga20090v021920/document/1728#c-31-vi"},{"clause":"36","heading":"Brain Surgery","page":15,"url":"https://indiainsurances.com/policy/acko-general-insurance/group-personal-accident-policy-ackhlga20090v021920/document/1728#c-36"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"You do not have the option to opt out of the Rider once opted. The benefits cease if the Base Plan is terminated or discontinued, or the Principal Outstanding Amount is paid-up.","display":"You cannot opt out of the Rider once opted","note":"No cancellation refund amount is stated.","quote":"It is agreed and understood that You do not have the option to opt out of the Rider once You have opted for it and is so indicated in Your Policy Schedule or Certificate of Insurance. However, the Benefits available under this Rider will automatically and immediately cease if the Base Plan is terminated, discontinued or the Principal Outstanding Amount under the applicable Insured Person’s Loan is paid- up.","sources":[{"clause":null,"heading":"TERMINATION OF RIDER","page":5,"url":"https://indiainsurances.com/policy/acko-general-insurance/group-personal-accident-policy-ackhlga20090v021920/document/1728#c-termination-of-rider"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"not-stated","value":null,"display":null,"note":"No geographic territory of cover is stated in the supplied rider documents.","quote":null,"sources":[],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"not-stated","value":null,"display":null,"note":"No free-look period is stated in the supplied rider documents.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"not-stated","value":null,"display":null,"note":"No grace period for premium payment is stated in the supplied rider documents.","quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"not-stated","value":null,"display":null,"note":"No minimum or maximum entry age is stated in the supplied rider documents.","quote":null,"sources":[],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"not-stated","value":null,"display":null,"note":"No premium payment modes are stated in the supplied rider documents.","quote":null,"sources":[],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"quote-verified","value":["Loan Shield Rider"],"display":"Loan Shield Rider for additional premium with the Base Plan","note":"Only Loan Shield Rider documents were provided.","quote":"In consideration of the receipt of additional premium in respect of the Insured Person(s), it is agreed and understood that, notwithstanding anything to the contrary in the Base Plan, or in any of its conditions, the Base Plan is extended to include the benefits/insuring clauses contained under this Loan Shield Rider, and the applicable terms, conditions, exclusions specified herein. The Loan Shield Rider can only be purchased along with the Base Plan and cannot be bought in isolation or as a separate product.","sources":[{"clause":"Section A","heading":"Preamble","page":1,"url":"https://indiainsurances.com/policy/acko-general-insurance/group-personal-accident-policy-ackhlga20090v021920/document/1728#c-section-a"}],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"not-stated","value":null,"display":null,"note":"No grace period cover provision is stated in the supplied rider documents.","quote":null,"sources":[],"law":[]},{"key":"accidental_death","label":"Accidental death","section":"Cover","meaning":"What is paid if an accident causes death.","status":"quote-verified","value":"If an Injury due to an Accident during the Coverage Period solely and directly results in death within 365 days from the Accident, the insurer pays the bank or financial institution an amount equal to the Principal Outstanding Amount, subject to the Sum Insured.","display":"Principal Outstanding Amount to the bank/financial institution, subject to Sum Insured, if accidental injury causes death within 365 days","note":null,"quote":"If an Insured Person suffers an Injury due to an Accident that occurs during the Coverage Period and that Injury solely and directly results in the Insured Person’s death or Permanent Total Disability which is of the nature specified in the table below, within 365 days from the date of the Accident, We will pay the bank / financial institution as specified in the Certificate of Insurance, an amount equal to the Insured Person’s Principal Outstanding Amount, subject to this amount not exceeding the Sum Insured specified in the Policy Schedule / Certificate of Insurance.","sources":[{"clause":"2","heading":"Loan repayment to Loan Provider","page":3,"url":"https://indiainsurances.com/policy/acko-general-insurance/group-personal-accident-policy-ackhlga20090v021920/document/1728#c-2-2"}],"law":[]},{"key":"permanent_total_disability","label":"Permanent total disability","section":"Cover","meaning":"What is paid for permanent total disability.","status":"quote-verified","value":"For accidental Permanent Total Disability of the specified nature within 365 days, the insurer pays the bank or financial institution an amount equal to the Principal Outstanding Amount, subject to the Sum Insured. The disability must continue for at least 180 days and be certified with no reasonable medical hope of improvement, except for physical separation.","display":"Principal Outstanding Amount to the bank/financial institution, subject to Sum Insured, for specified accidental PTD within 365 days; 180-day continuance condition except physical separation","note":"The PTD nature table includes loss of sight in both eyes, loss of both hands or feet, loss of one hand and one foot, loss of sight in one eye and loss of a limb, loss of hearing in both ears with loss of one limb or sight in one eye, loss of hearing in both ears and speech, loss of speech with loss of one limb or sight in one eye, and permanent total and absolute disability causing inability to engage in any employment or occupation.","quote":"If an Insured Person suffers an Injury due to an Accident that occurs during the Coverage Period and that Injury solely and directly results in the Insured Person’s death or Permanent Total Disability which is of the nature specified in the table below, within 365 days from the date of the Accident, We will pay the bank / financial institution as specified in the Certificate of Insurance, an amount equal to the Insured Person’s Principal Outstanding Amount, subject to this amount not exceeding the Sum Insured specified in the Policy Schedule / Certificate of Insurance. ... The Permanent Total Disability, of the nature specified in the foregoing table, continues for a period of at least 180 days from the commencement of the Permanent Total Disability, and the Disability Certificate issued by the treating Medical Practitioner at the expiry of the 180 days confirms that there is no reasonable medical hope of improvement. It is clarified that this condition is not an application for any Permanent Total Disability in the nature of a physical separation;","sources":[{"clause":"2","heading":"Loan repayment to Loan Provider","page":3,"url":"https://indiainsurances.com/policy/acko-general-insurance/group-personal-accident-policy-ackhlga20090v021920/document/1728#c-2-2"},{"clause":"2(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/acko-general-insurance/group-personal-accident-policy-ackhlga20090v021920/document/1728#c-2-a-2"}],"law":[]},{"key":"permanent_partial_disability","label":"Permanent partial disability","section":"Cover","meaning":"The table of payouts for losing a limb, eye, hearing...","status":"quote-verified","value":"No permanent partial disability payout table is stated. If the insured person suffers a loss that is not one of the listed Permanent Total Disabilities, the insurer’s independent medical advisors determine the degree and percentage of such disability.","display":"No PPD payout table stated; other disability percentage is determined by independent medical advisors","note":null,"quote":"If the Insured Person suffers a loss that is not of the nature of a Permanent Total Disability specified in the table above, then Our independent medical advisors will determine the degree and percentage of such disability;","sources":[{"clause":"2(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/acko-general-insurance/group-personal-accident-policy-ackhlga20090v021920/document/1728#c-2-b-2"}],"law":[]},{"key":"temporary_total_disability","label":"Temporary total disability","section":"Cover","meaning":"Weekly income paid while you cannot work after an accident.","status":"not-stated","value":null,"display":null,"note":"No temporary total disability weekly income benefit is stated in the supplied rider documents.","quote":null,"sources":[],"law":[]},{"key":"accident_medical","label":"Accident medical expenses","section":"Cover","meaning":"Treatment costs after an accident.","status":"not-stated","value":null,"display":null,"note":"The rider asks for medical documents for claims, but no accident medical expenses benefit or treatment-cost reimbursement is stated.","quote":null,"sources":[],"law":[]},{"key":"occupation_classes","label":"Occupation rules","section":"Eligibility","meaning":"Whether your job affects cover or premium.","status":"not-stated","value":null,"display":null,"note":"No occupation class, occupation-based premium, or occupation-based cover rule is stated in the supplied rider documents.","quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Group Personal Accident Policy - Policy Wordings","pages":20,"fetched_at":"2026-10-17 19:34:50+00","source_url":"https://acko-cms.ackoassets.com/Policy_Wordings_Group_Personal_Accident_Insurance_Policy_cee8cbdc94.pdf","url":"https://indiainsurances.com/policy/acko-general-insurance/group-personal-accident-policy-ackhlga20090v021920/document/1603"},{"kind":"wording","label":"ACKO Group Health Insurance Policy – Policy Wordings","pages":18,"fetched_at":"2026-10-17 19:35:57+00","source_url":"https://assets.ctfassets.net/uwf0n1j71a7j/7ixvu1VhPrpTl72N8ALI4h/5fc253e667c594ccf24908a4bfa53eaa/acko-group-health-insurance-policy-policy-wordings.pdf","url":"https://indiainsurances.com/policy/acko-general-insurance/group-personal-accident-policy-ackhlga20090v021920/document/1671"},{"kind":"wording","label":"Group Personal Accident Policy (IRDAI copy)","pages":19,"fetched_at":"2026-10-20 01:46:10+00","source_url":"https://irdai.gov.in/documents/37343/931203/ACKPAGP21527V022021_2020-2021.pdf/cdb202d9-e977-bb59-9963-98a8151e1298?version=1.1&t=1668578335647&download=true","url":"https://indiainsurances.com/policy/acko-general-insurance/group-personal-accident-policy-ackhlga20090v021920/document/27233"},{"kind":"prospectus","label":"Group Personal Accident Policy – Prospectus","pages":8,"fetched_at":"2026-10-17 19:35:47+00","source_url":"https://acko-cms.ackoassets.com/Prospectus_Group_Personal_Accident_Insurance_Policy_a77074eee3.pdf","url":"https://indiainsurances.com/policy/acko-general-insurance/group-personal-accident-policy-ackhlga20090v021920/document/1657"},{"kind":"prospectus","label":"Loan Shield Rider – Prospectus","pages":13,"fetched_at":"2026-10-17 19:35:49+00","source_url":"https://acko-cms.ackoassets.com/Loan_Shield_Rider_Prospectus_4dc4f824c5.pdf","url":"https://indiainsurances.com/policy/acko-general-insurance/group-personal-accident-policy-ackhlga20090v021920/document/1658"},{"kind":"cis","label":"Group Personal Accident Policy - CIS","pages":7,"fetched_at":"2026-10-17 19:34:58+00","source_url":"https://acko-cms.ackoassets.com/CIS_Group_Personal_Accident_Insurance_Policy_75d58c3606.pdf","url":"https://indiainsurances.com/policy/acko-general-insurance/group-personal-accident-policy-ackhlga20090v021920/document/1611"},{"kind":"rider","label":"Loan Shield Rider Policy Wordings","pages":17,"fetched_at":"2026-10-17 19:36:51+00","source_url":"https://acko-cms.ackoassets.com/Loan_Shield_Rider_Policy_Wordings_c56339d953.pdf","url":"https://indiainsurances.com/policy/acko-general-insurance/group-personal-accident-policy-ackhlga20090v021920/document/1728"}],"versions":[{"uin":"ACKPAGP21527V022021","version":null,"approved_on":null},{"uin":"ACKHLGA20090V021920","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Acko General Insurance official website","url":"https://www.acko.com/gi","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Car insurance claims","url":"https://www.acko.com/car-insurance/claims/","note":null},{"purpose":"claim","kind":"insurer","name":"Travel insurance claim process","url":"https://www.acko.com/travel-insurance/claim-process/","note":null},{"purpose":"claim","kind":"insurer","name":"Two-wheeler insurance claims","url":"https://www.acko.com/two-wheeler-insurance/claims/","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"renew","kind":"insurer","name":"Health insurance renewal","url":"https://www.acko.com/health-insurance/renewal/","note":null}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Group Personal Accident Policy (UIN ACKHLGA20090V021920), IndiaInsurances, https://indiainsurances.com/policy/acko-general-insurance/group-personal-accident-policy-ackhlga20090v021920"}