{"uin":"CHOPAGP20102V011920","name":"Chola Credit Linked Group Personal Accident Insurance","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-linked-group-personal-accident-insurance-chopagp20102v011920","insurer":{"slug":"cholamandalam-ms-general-insurance","name":"Cholamandalam MS General Insurance Company Limited","url":"https://indiainsurances.com/insurer/cholamandalam-ms-general-insurance"},"line":"health","category":"personal-accident","category_name":"Personal accident","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Chola Credit Linked Group Personal Accident Insurance is a group personal accident policy for loan customers aged 18 years to 70 years, with accidental bodily injury cover anywhere in the world. Basic covers include accidental death, permanent total disability and permanent partial disability, and optional covers include temporary total disablement and accident medical expenses.","analysis":{"state":"machine","analysed_at":"2026-10-19 20:02:03.339971+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 wording lists basic covers and optional covers, but does not name 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":"quote-verified","value":"The policy wording shows cancellation scales for 1 Year Policy Term, 2 Year Policy Term, 3 Year Policy Term, 4 Year Policy Term and 5 Year Policy Term.","display":"1 Year, 2 Year, 3 Year, 4 Year or 5 Year Policy Term","note":null,"quote":"Period on Risk (in Months) | Rate of Premium to be retained\n1 Year Policy Term | 2 Year Policy Term | 3 Year Policy Term | 4 Year Policy Term | 5 Year Policy Term","sources":[{"clause":"25","heading":"Cancellation of cover","page":12,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-linked-group-personal-accident-insurance-chopagp20102v011920/document/5123#c-25"}],"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":"Written notice of claim must be given as soon as reasonably possible and in any event not later than 30 days of occurrence or commencement.","display":"As soon as reasonably possible, and not later than 30 days","note":null,"quote":"Notification: It shall be a condition precedent for any claim to be made by the Insured under this policy or for liability attaching to us hereunder that written notice of claim must be given to any loss, or as soon thereafter as reasonably possible, and in any event not later than 30 days of such occurrence or commencement.","sources":[{"clause":"16.1","heading":"Notification","page":9,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-linked-group-personal-accident-insurance-chopagp20102v011920/document/5123#c-16-1"}],"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":["duly filled & signed claim form","KYC of the nominee / legal heir in case of death claim and KYC of the Insured for other claim","Account details with proof for NEFT","Accidental Death: Copy of FIR / Police Report, wherever necessary","Accidental Death: Copy of Post Mortem Report/Coroner’s report (If postmortem is conducted)","Accidental Death: Copy or Panchanama / Inquest report","Accidental Death: Death Certificate","Permanent Disablement Claims: Report of the attending Doctor confirming disability","Permanent Disablement Claims: Admit / Discharge card","Permanent Disablement Claims: Investigation reports such as X-rays, Lab test etc","Permanent Disablement Claims: FIR/ Police report, wherever necessary"],"display":"Claim form, KYC, NEFT proof, and cover-specific police, medical and death or disability documents","note":null,"quote":"Following documents are to be submitted for processing of the claim along with the duly filled & signed claim form by the insured / nominee in addition to the documents listed in the table:\nPolicy Wordings\n- KYC of the nominee / legal heir in case of death claim and KYC of the Insured for other claim under the policy.\n- Account details with proof for NEFT of the nominee / legal heir in case of death claim and of the insured for other claims under the policy i.e. cancelled cheque, passbook copy has to be submitted with the below listed claim documents.\nCover | Claim Documents\nAccidental Death | 1. Copy of FIR / Police Report, wherever necessary 2. Copy of Post Mortem Report/Coroner’s report (If postmortem is conducted) 3. Copy or Panchanama / Inquest report 4. Death Certificate\nPermanent Disablement Claims (Including Partial, Permanent) | 1. Report of the attending Doctor confirming disability 2. Admit / Discharge card 3. Investigation reports such as X-rays, Lab test etc 4. FIR/ Police report, wherever necessary","sources":[{"clause":"16.3","heading":"List of documents to be submitted","page":9,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-linked-group-personal-accident-insurance-chopagp20102v011920/document/5123#c-16-3"}],"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":"quote-verified","value":"Claims, including rejection, are to be settled within 10 days of receipt of the last necessary document; delay attracts penal interest at 2% above the Bank rate.","display":"Within 10 days of receipt of last necessary document","note":null,"quote":"• We shall settle claims, including its rejection, within 10 days of the receipt of last `necessary’ document.\n• In case of delay in the payment, the Company shall be liable to pay penal interest at a rate which is 2% above the Bank rate prevalent at the beginning of the financial year in which the claim is reviewed.","sources":[{"clause":"16.4","heading":"Claim Settlement","page":10,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-linked-group-personal-accident-insurance-chopagp20102v011920/document/5123#c-16-4"}],"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":["intentionally self-inflicted injury, suicide or any attempt thereof, whether sane or insane","Any Pre-existing condition or any complication arising from the same.","Any kind of murder which was caused by pre-meditated and dominant intention to kill the person.","Any loss arising out of any kind of insect bite","Congenital external defects or anomalies or in consequence thereof..","*Treatment other than Allopathy and AYUSH","Injury or Disease directly caused by or contributed by ionizing radiation or contamination by radioactivity","war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, mutiny, military or usurped power","nuclear, chemical, biological terrorism","loss sustained or contracted in consequence of the Insured being under the influence of alcohol or drugs unless administered on the advice of a physician","actual or attempted commission of, or willful participation in, an illegal act","aviation or ballooning","contests of speed using a motorized vehicle or bicycle and/or hunting and/or skiing and/or skydiving and/or gliding and/or mountaineering and/or winter sports","participating as the driver, co-driver or passenger of a motor vehicle during motor racing or trial runs","participating or training for any sport as a professional"],"display":"Main exclusions include suicide, pre-existing conditions, pre-meditated murder, insect bite, congenital external defects, non-Allopathy/non-AYUSH treatment, nuclear risks, war, terrorism, alcohol or drugs, illegal acts, aviation and hazardous sports.","note":null,"quote":"This policy does not provide benefits for any death, disability, expenses or loss incurred in result of any Injury attributable directly to the following:\n1. intentionally self-inflicted injury, suicide or any attempt thereof, whether sane or insane;\n2. Any Pre-existing condition or any complication arising from the same.\n3. Any kind of murder which was caused by pre-meditated and dominant intention to kill the person. Any murder caused by an act which was originally unintended to kill the person does not fall under this exclusion\n4. Any loss arising out of any kind of insect bite\n5. Congenital external defects or anomalies or in consequence thereof..\n6. *Treatment other than Allopathy and AYUSH\n7. Injury or Disease directly caused by or contributed by ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from burning nuclear fuel; ... Injury or Disease directly caused by or contributed by the radioactive, toxic, explosive or other dangerous properties of any explosive nuclear equipment or any part of that equipment;\n9. war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, mutiny, military or usurped power, seizure, capture, arrests, restraints and detainment of all kings, princes, and people of whatsoever nation condition or quality. ... The Insurance under this Policy shall not extend to cover Death, disablement or injury resulting, directly arising out of, contributed to or caused by, or resulting from or in connection with any act of nuclear, chemical, biological terrorism ... 12. loss sustained or contracted in consequence of the Insured being under the influence of alcohol or drugs unless administered on the advice of a physician;\n13. any loss of which a contributing cause was the Insured ’ s actual or attempted commission of, or willful participation in, an illegal act or any violation or attempted violation of the law or resistance to arrest;\n14. any loss sustained whilst engaging in aviation or ballooning, whilst mounting into, dismounting from or travelling in any balloon or aircraft other than as a passenger (fare paying otherwise) in any duly licensed standard type of aircraft anywhere in the world;\n15. any loss sustained while the Insured is participating in contests of speed using a motorized vehicle or bicycle and/or hunting and/or skiing and/or skydiving and/or gliding and/or mountaineering and/or winter sports;\n16. Resulting in injury whilst participating as the driver, co-driver or passenger of a motor vehicle during motor racing or trial runs ... 19. While you are participating or training for any sport as a professional.","sources":[{"clause":"7(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-linked-group-personal-accident-insurance-chopagp20102v011920/document/5123#c-7-b-6"},{"clause":"8","heading":null,"page":6,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-linked-group-personal-accident-insurance-chopagp20102v011920/document/5123#c-8"},{"clause":"10","heading":"Nuclear, Chemical and biological terrorism Exclusion Clause","page":6,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-linked-group-personal-accident-insurance-chopagp20102v011920/document/5123#c-10"},{"clause":"11","heading":null,"page":7,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-linked-group-personal-accident-insurance-chopagp20102v011920/document/5123#c-11"}],"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":"The insured person may contact the company through its website, toll-free number, email or courier. Complaints are registered at customercare@cholams.murugappa.com, then escalated to the Nodal Officer and Chief Grievance Officer before approaching the Insurance Ombudsman.","display":"Company customer care first, then Nodal Officer, then Chief Grievance Officer","note":null,"quote":"Mechanism for Grievance Redressal:- In case of any grievance the insured person may contact the company through\nWebsite : www.cholainsurance.com Toll free : 1800 208 9100 E-Mail : customercare@cholams.murugappa.com Courier : Manager, Customer Care, Chola MS General Insurance Company Limited Hari Nivas Towers First Floor, #163, Thambu Chetty Street, Parry’s Corner, Chennai – 600001 ... • Please write to customercare@cholams.murugappa.com to register your complaint. ... • In case you are dissatisfied with the response or have not received a response, you may escalate the same to our Nodal Officer – Nodalescalation@cholams.murugappa.com (Quoting the previous Service request number) Policy Wordings\n• In case you are still unhappy with the response or have not received a response within 7 working days, you may escalate the same to our Chief Grievance Officer - GRO@cholams.murugappa.com (Quoting the previous Service request number)","sources":[{"clause":"30","heading":"Moratorium Period","page":15,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-linked-group-personal-accident-insurance-chopagp20102v011920/document/5123#c-30"},{"clause":null,"heading":"Procedure of Grievance Redressal","page":15,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-linked-group-personal-accident-insurance-chopagp20102v011920/document/5123#c-procedure-of-grievance-redressal"},{"clause":null,"heading":"Escalation Matrix","page":15,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-linked-group-personal-accident-insurance-chopagp20102v011920/document/5123#c-escalation-matrix"}],"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":"not-stated","value":null,"display":null,"note":"The wording points to the Policy Certificate for the Sum Insured, but does not print selectable cover amounts.","quote":null,"sources":[],"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-applicable","value":null,"display":null,"note":"This is a personal accident policy covering accidental bodily injury, not illness claims with an initial illness waiting period.","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-applicable","value":null,"display":null,"note":"Pre-existing conditions are excluded rather than covered after a waiting period.","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-applicable","value":null,"display":null,"note":"This is a personal accident policy and does not cover named illness or procedure waiting periods.","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-applicable","value":null,"display":null,"note":"This is a personal accident policy and has no specific illness waiting-period list.","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":"quote-verified","value":{"unit":"months","amount":60},"display":"sixty continuous months","note":"The clause says enhanced sums insured get a fresh sixty continuous months from the date of enhancement for the enhanced limits.","quote":"After completion of sixty continuous months of coverage (including portability and migration) in health insurance policy, no policy and claim shall be contestable by the insurer on grounds of non-disclosure, misrepresentation, except on grounds of established fraud. This period of sixty continuous months is called as moratorium period.","sources":[{"clause":"30","heading":"Moratorium Period","page":15,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-linked-group-personal-accident-insurance-chopagp20102v011920/document/5123#c-30"}],"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":"The wording mentions portability in the moratorium clause, but does not state a right to port this policy to another insurer with waiting-period credit.","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":null,"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":"quote-verified","value":"Renewal premium loading can apply when the group policy has an adverse incurred claim ratio, but no loading is applied on the individual insured's own claims experience.","display":"Group claims-ratio loading; no individual claims-experience loading","note":null,"quote":"h) The premium for renewals shall be subject to loading when Group Policy issued witnesses adverse claims ratio as under:\nIncurred Claim Ratio | Loading %\nBetween 80% and 100% | 30%\nBetween 101% and 125% | 60%\nBetween 126% and 150% | 90%\nBetween 151% and 175% | 120%\nBetween 176% and 200% | 150%\nOver 200% | Cover to be reviewed\nNo Loading on premium shall be applied on Your individual claims experience basis but the group as a whole.","sources":[{"clause":"21(h)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-linked-group-personal-accident-insurance-chopagp20102v011920/document/5123#c-21-h"}],"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":["intentionally self-inflicted injury, suicide or any attempt thereof, whether sane or insane","Any Pre-existing condition or any complication arising from the same.","Congenital external defects or anomalies or in consequence thereof..","*Treatment other than Allopathy and AYUSH","Injury or Disease directly caused by or contributed by ionizing radiation or contamination by radioactivity","war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, mutiny, military or usurped power","nuclear, chemical, biological terrorism","under the influence of alcohol or drugs unless administered on the advice of a physician","actual or attempted commission of, or willful participation in, an illegal act","aviation or ballooning","contests of speed using a motorized vehicle or bicycle and/or hunting and/or skiing and/or skydiving and/or gliding and/or mountaineering and/or winter sports","Resulting in injury whilst participating as the driver, co-driver or passenger of a motor vehicle during motor racing or trial runs","Consequential losses of any kind or actual or alleged legal liability","While you are participating or training for any sport as a professional.","any act of terrorism"],"display":"Permanent exclusions include suicide, pre-existing conditions, congenital external defects, nuclear risks, war, nuclear/chemical/biological terrorism, alcohol or drugs, illegal acts, aviation, hazardous sports, racing, professional sport and terrorism.","note":"The policy wording does not use IRDAI exclusion codes Excl04 to Excl18 in the extracted clauses.","quote":"1. intentionally self-inflicted injury, suicide or any attempt thereof, whether sane or insane;\n2. Any Pre-existing condition or any complication arising from the same. ... 5. Congenital external defects or anomalies or in consequence thereof..\n6. *Treatment other than Allopathy and AYUSH\n7. Injury or Disease directly caused by or contributed by ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from burning nuclear fuel; ... Injury or Disease directly caused by or contributed by the radioactive, toxic, explosive or other dangerous properties of any explosive nuclear equipment or any part of that equipment;\n9. war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, mutiny, military or usurped power, seizure, capture, arrests, restraints and detainment of all kings, princes, and people of whatsoever nation condition or quality. ... The Insurance under this Policy shall not extend to cover Death, disablement or injury resulting, directly arising out of, contributed to or caused by, or resulting from or in connection with any act of nuclear, chemical, biological terrorism ... 12. loss sustained or contracted in consequence of the Insured being under the influence of alcohol or drugs unless administered on the advice of a physician;\n13. any loss of which a contributing cause was the Insured ’ s actual or attempted commission of, or willful participation in, an illegal act or any violation or attempted violation of the law or resistance to arrest;\n14. any loss sustained whilst engaging in aviation or ballooning ... 15. any loss sustained while the Insured is participating in contests of speed using a motorized vehicle or bicycle and/or hunting and/or skiing and/or skydiving and/or gliding and/or mountaineering and/or winter sports;\n16. Resulting in injury whilst participating as the driver, co-driver or passenger of a motor vehicle during motor racing or trial runs\n17. Consequential losses of any kind or actual or alleged legal liability ... 19. While you are participating or training for any sport as a professional.\n20. This Insurance does not cover any loss, damage, cost or expense directly arising out of or due to any act of terrorism.","sources":[{"clause":"7(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-linked-group-personal-accident-insurance-chopagp20102v011920/document/5123#c-7-b-6"},{"clause":"8","heading":null,"page":6,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-linked-group-personal-accident-insurance-chopagp20102v011920/document/5123#c-8"},{"clause":"10","heading":"Nuclear, Chemical and biological terrorism Exclusion Clause","page":6,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-linked-group-personal-accident-insurance-chopagp20102v011920/document/5123#c-10"},{"clause":"11","heading":null,"page":7,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-linked-group-personal-accident-insurance-chopagp20102v011920/document/5123#c-11"}],"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":"The Policy Holder or Insured may cancel at any time. The insurer retains premium at the Short Period Scale for the expired portion, and refunds excess premium if no claim has been made.","display":"Short Period Scale refund, provided no claim has been made","note":null,"quote":"The Policy Holder/Insured may also cancel the policy at any time in which event, the insurer shall be entitled to retain premium at Short Period Scale for the expired portion of the policy on the date of cancellation as per the table below. Any excess premium available with us shall be refunded to the Policy Holder/Insured provided no claim has been made under the policy.","sources":[{"clause":"25","heading":"Cancellation of cover","page":12,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-linked-group-personal-accident-insurance-chopagp20102v011920/document/5123#c-25"}],"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":"quote-verified","value":"Accidental bodily injury is covered anywhere in the world. Medical expenses under optional covers are restricted to treatment expenses incurred in India only.","display":"Worldwide for accidental bodily injury; India only for optional medical expenses","note":null,"quote":"This policy pays for any accidental bodily injury occurring anywhere in the world. Medical expenses covered under Optional Covers is restricted to treatment expenses incurred in India Only.","sources":[{"clause":"13","heading":"Territorial Limits","page":9,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-linked-group-personal-accident-insurance-chopagp20102v011920/document/5123#c-13"}],"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":null,"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":"quote-verified","value":{"unit":"days","amount":15},"display":"fifteen days where premium payment mode is monthly and thirty days in all other cases","note":"The renewal clause also says the policy can be renewed not later than 30 days grace period post expiry.","quote":"The grace period for payment of the premium for all types of insurance policies shall be: fifteen days where premium payment mode is monthly and thirty days in all other cases","sources":[{"clause":"7(b)","heading":"External Congenital Anomaly","page":3,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-linked-group-personal-accident-insurance-chopagp20102v011920/document/5123#c-7-b-2"}],"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":"quote-verified","value":"Entry age is between 18 years and 70 years completed age, for persons who have availed any type of loan from Banks/Financial Institutions or such aggregators.","display":"18 years to 70 years","note":null,"quote":"This Insurance is available to person(s) aged between 18 years and 70 years (Completed age) at the time of entry into the policy and who has availed any type of loan from Banks/Financial Institutions or such aggregators.","sources":[{"clause":null,"heading":"1. PERSONS WHO CAN BE INSURED","page":2,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-linked-group-personal-accident-insurance-chopagp20102v011920/document/5123#c-1-persons-who-can-be-insured"}],"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":"The grace-period definition refers to monthly and other payment modes, but the documents do not state which premium payment modes are available for this product.","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":["ACCIDENTAL WEEKLY INDEMNITY OR TEMPORARY TOTAL DISABLEMENT","EXTENDED PERMANENT TOTAL DISABILITY BENEFIT","*ACCIDENTAL MEDICAL EXPENSES REIMBURSEMENT BENEFIT","ACCIDENTAL MEDICAL EXPENSES REIMBURSEMENT – INPATIENT","ACCIDENTAL MEDICAL EXPENSES REIMBURSEMENT – INPATIENT & OUTPATIENT*","EDUCATION GRANT COVER FOR ONE DEPENDANT CHILD","EDUCATION GRANT COVER FOR TWO DEPENDANT CHILDREN","MODIFICATION OF RESIDENTIAL ACCOMMODATION AND VEHICLE","BROKEN BONES BENEFIT","HOSPITAL DAILY CASH","CONVALESCENCE BENEFIT","EXTERNAL AIDS AND APPLIANCES","FAMILY TRANSPORTATION BENEFIT","AMBULANCE CHARGES","REPATRIATION OF MORTAL REMAINS BENEFIT","COST OF CREMATION BENEFIT","BURN INJURY BENEFIT","TERRORISM COVER","LUMPSUM BENEFIT ON DIAGNOSIS OF HIV"],"display":"19 optional endorsement covers, including temporary total disablement, accident medical expenses, education grant, broken bones, hospital daily cash, ambulance, terrorism cover and HIV lump sum","note":"These covers apply only in consideration of payment of additional premium.","quote":"7. OPTIONAL COVERS:\nNotwithstanding anything to the contrary contained in the Policy, In consideration of payment of additional premium, the policy is extended to cover the optional benefits listed below upto the sum insureds shown within the policy schedule. ... Endorsement no. 1 - ACCIDENTAL WEEKLY INDEMNITY OR TEMPORARY TOTAL ... Endorsement no. 2 - EXTENDED PERMANENT TOTAL DISABILITY BENEFIT: ... Endorsement no. 3 - *ACCIDENTAL MEDICAL EXPENSES REIMBURSEMENT BENEFIT: ... Endorsement no. 4 - *ACCIDENTAL MEDICAL EXPENSES REIMBURSEMENT –\nINPATIENT: ... Endorsement no. 5 - ACCIDENTAL MEDICAL EXPENSES REIMBURSEMENT –\nINPATIENT & OUTPATIENT*: ... Endorsement no. 6 - EDUCATION GRANT COVER FOR ONE DEPENDANT CHILD: ... Endorsement no. 7 - EDUCATION GRANT COVER FOR TWO DEPENDANT CHILDREN: ... Endorsement no. 8 - MODIFICATION OF RESIDENTIAL ACCOMMODATION AND ... VEHICLE: ... Endorsement no. 9 - BROKEN BONES BENEFIT: ... Endorsement no. 10 - HOSPITAL DAILY CASH: ... Endorsement no. 11 - CONVALESCENCE BENEFIT: ... Endorsement no. 12 - EXTERNAL AIDS AND APPLIANCES: ... Endorsement no. 13 - FAMILY TRANSPORTATION BENEFIT: ... Endorsement no. 14 - AMBULANCE CHARGES: ... Endorsement no. 15 - REPATRIATION OF MORTAL REMAINS BENEFIT: ... Endorsement no. 16 - COST OF CREMATION BENEFIT: ... Endorsement no. 17 - BURN INJURY BENEFIT: ... Endorsement no. 18 - TERRORISM COVER: ... Endorsement no. 19 - LUMPSUM BENEFIT ON DIAGNOSIS OF HIV:","sources":[{"clause":null,"heading":"6.1.3 Benefit 3","page":22,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-linked-group-personal-accident-insurance-chopagp20102v011920/document/5123#c-6-1-3-benefit-3"},{"clause":null,"heading":"Endorsement no. 1 - ACCIDENTAL WEEKLY INDEMNITY OR TEMPORARY TOTAL","page":23,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-linked-group-personal-accident-insurance-chopagp20102v011920/document/5123#c-endorsement-no-1-accidental-weekly-indemnity-or"},{"clause":null,"heading":"Definitions","page":23,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-linked-group-personal-accident-insurance-chopagp20102v011920/document/5123#c-definitions-2"},{"clause":null,"heading":"Note","page":25,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-linked-group-personal-accident-insurance-chopagp20102v011920/document/5123#c-note"},{"clause":null,"heading":"Endorsement no. 4 - *ACCIDENTAL MEDICAL EXPENSES REIMBURSEMENT –","page":27,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-linked-group-personal-accident-insurance-chopagp20102v011920/document/5123#c-endorsement-no-4-accidental-medical-expenses-rei"},{"clause":null,"heading":"Endorsement no. 5 - ACCIDENTAL MEDICAL EXPENSES REIMBURSEMENT –","page":27,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-linked-group-personal-accident-insurance-chopagp20102v011920/document/5123#c-endorsement-no-5-accidental-medical-expenses-rei"},{"clause":"30(b)","heading":null,"page":28,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-linked-group-personal-accident-insurance-chopagp20102v011920/document/5123#c-30-b-4"},{"clause":null,"heading":"Endorsement no. 8 - MODIFICATION OF RESIDENTIAL ACCOMMODATION AND","page":31,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-linked-group-personal-accident-insurance-chopagp20102v011920/document/5123#c-endorsement-no-8-modification-of-residential-acc"},{"clause":"30(d)","heading":null,"page":31,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-linked-group-personal-accident-insurance-chopagp20102v011920/document/5123#c-30-d"},{"clause":null,"heading":"Exclusions","page":33,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-linked-group-personal-accident-insurance-chopagp20102v011920/document/5123#c-exclusions-5"},{"clause":"Row 2(c)","heading":null,"page":37,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-linked-group-personal-accident-insurance-chopagp20102v011920/document/5123#c-row-2-c"}],"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":"quote-verified","value":"Coverage need not be available during the period for which no premium is received, and claims occurring during the period of break in insurance are not payable under the renewed policy.","display":"Claims during break in insurance are not payable","note":null,"quote":"Coverage need not be available during the period for which no premium is received. ... c) The claims if any occurring during the period of break in insurance shall not be payable under the renewed policy","sources":[{"clause":"7(b)","heading":"External Congenital Anomaly","page":3,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-linked-group-personal-accident-insurance-chopagp20102v011920/document/5123#c-7-b-2"},{"clause":"21(c)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-linked-group-personal-accident-insurance-chopagp20102v011920/document/5123#c-21-c"}],"law":[]},{"key":"accidental_death","label":"Accidental death","section":"Cover","meaning":"What is paid if an accident causes death.","status":"quote-verified","value":"If accidental bodily injury anywhere in the world within twelve months is the sole and direct cause of death, the company pays the Sum Insured in the Policy Certificate, plus specified transport, religious ceremony and ambulance amounts.","display":"Sum Insured, plus up to 3% or Rs. 6,000.00 for mortal remains, actual costs or Rs. 5,000.00 for religious ceremonies, and Rs. 1,000/- ambulance","note":null,"quote":"If at any time during the policy period, the insured shall sustain any bodily injury anywhere in the world, which shall within twelve months of its occurrence be the sole and direct cause of his/her death, then the Company will pay the Sum Insured as mentioned in the Policy Certificate. In addition to Accidental Death Sum Insured, the Company will also pay upto 3% of Sum Insured or Rs. 6,000.00 (whichever is lower), towards the cost of transporting the mortal remains from the place of death to the hospital and/or residence and/or cremation and/or burial ground. The Company will also pay in addition to Accidental Death Sum Insured, the actual costs or Rs. 5,000.00 (whichever is lower), incurred in connection with performance of religious ceremonies incurred upto the time of cremation and costs incurred for any one post cremation ceremony. An amount of Rs. 1,000/- will be paid for Ambulance hiring charges following an accident, subject to submission of bill.","sources":[{"clause":null,"heading":"Benefit","page":20,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-linked-group-personal-accident-insurance-chopagp20102v011920/document/5123#c-benefit"}],"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 injury causing permanent total disability continuing for 12 consecutive months, the policy pays 100% of Sum Insured for listed losses, with maximum liability not more than 100% of the Sum Insured.","display":"100% of Sum Insured for listed permanent total disabilities","note":null,"quote":"It is hereby understood and agreed that in the event of Accidental Injury, causing the Insured Permanently Totally Disabled and such disability has continued for a period of 12 consecutive months, The Company will pay the Insured the percentage of the Sum Insured specified in the table below:\nBenefits | Percentage of Sum Insured\nLoss of sight of both eyes | 100%\nLoss of two entire hands or two entire feet | 100%\nLoss of one entire hand and one entire foot | 100%\nLoss of sight of one eye and such loss of one entire foot, or hand | 100%\nComplete loss of hearing of both ears & complete loss of Speech | 100%\nComplete loss of hearing of both ears or complete loss of speech and loss of one limb or loss of sight of one eye | 100%\nComatose State | 100%\nThe Company’s maximum liability however should not be more than 100% of the Sum Insured.","sources":[{"clause":null,"heading":"6.1.2 Benefit 2","page":21,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-linked-group-personal-accident-insurance-chopagp20102v011920/document/5123#c-6-1-2-benefit-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":"Permanent partial disability pays the percentage of Sum Insured specified in the table, from 2% for specified toe losses to 60% for loss of hearing in both ears or loss of speech, 50% for loss of sight of one eye, one hand or one foot, and doctor-assessed percentage for other permanent partial disablement.","display":"Table payouts up to 100% of Sum Insured; examples include 20% toes-all, 60% hearing-both-ears, 50% one eye/one hand/one foot","note":null,"quote":"It is hereby understood and agreed that in the event of Accidental Injury causing the Insured Permanent Partial Disability as mentioned in the Table Below within 12 months of the Accidental Injury being sustained, The Company will pay the Insured the percentage of the Sum Insured specified for each and every form of impairment mentioned in the table below. The Company’s maximum liability however shall not exceed 100% of the Sum Insured.\nBenefits | Upto Percentage of Sum Insured\ni. Loss of toes – all | 20%\nLoss of Great toe– both phalanges | 5%\nLoss of Great toe – one phalanx | 2%\nLoss of Other than great toe, if more than one toe lost, each | 2%\nii. Loss of hearing – both ears | 60%\niii. Loss of hearing – one ear | 30%\niv. Loss of speech | 60%\nv. Loss of four fingers and thumb of one hand | 40%\nvi. Loss of four fingers | 35%\nvii. Loss of thumb – both phalanges | 25%\nLoss of thumb- one phalanx | 10%\nviii. Loss of index finger –three phalanges or two phalanges or one phalanx | 10%\nix. Loss of middle finger –three phalanges or two phalanges or one phalanx | 6%\nx. Loss or ring finger – three phalanges or two phalanges or one phalanx | 5%\nxi. Loss of little finger – three phalanges or two phalanges or one phalanx | 4%\nxii. Loss of metacarpals – first or second, third, fourth or fifth | 3%\nxiii. Loss of Sense of smell | 10%\nxiv. Loss of Sense of taste | 5%\nxv. Loss of Sight of one eye | 50%\nxvi Loss of One hand | 50%\nxvii. Loss of One foot | 50%\nxviii Any other permanent partial disablement | Percentage as assessed by the panel doctor of the Company","sources":[{"clause":null,"heading":"6.1.3 Benefit 3","page":22,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-linked-group-personal-accident-insurance-chopagp20102v011920/document/5123#c-6-1-3-benefit-3"}],"law":[]},{"key":"temporary_total_disability","label":"Temporary total disability","section":"Cover","meaning":"Weekly income paid while you cannot work after an accident.","status":"quote-verified","value":"Temporary total disablement is available as an optional cover for additional premium. It pays 1 % of the Sum Insured per week, subject to the maximum shown in the policy and not exceeding weekly income, for up to 100 weeks.","display":"Optional: 1 % of Sum Insured per week, up to 100 weeks","note":"This is an optional cover available only on payment of additional premium.","quote":"In consideration of payment of additional premium, it is hereby understood and agreed that in the event of Accidental Injury resulting in temporary disability which completely prevents the insured from each and every duty pertaining to his employment or occupation, the company will pay a weekly benefit amount to the Insured Person during a period of continuous Temporary Total Disability ... • Amount payable shall be 1 % of the Sum Insured subject to a maximum of Rs.----------- per week for a period not exceeding 100 weeks. In case the disability period is part of a week, the amount payable shall be proportionately considered.\n• The maximum amount payable per week shall not exceed the weekly income of the person at the time of claim.","sources":[{"clause":null,"heading":"Endorsement no. 1 - ACCIDENTAL WEEKLY INDEMNITY OR TEMPORARY TOTAL","page":23,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-linked-group-personal-accident-insurance-chopagp20102v011920/document/5123#c-endorsement-no-1-accidental-weekly-indemnity-or"}],"law":[]},{"key":"accident_medical","label":"Accident medical expenses","section":"Cover","meaning":"Treatment costs after an accident.","status":"quote-verified","value":"Accident medical expenses are optional covers for additional premium. The options reimburse a stated percentage of Basic Sum Insured or actuals, inpatient costs in India to the Policy Certificate limit, or inpatient and outpatient costs in India with the outpatient sub-limit and deductible shown in the Policy Certificate.","display":"Optional accident medical reimbursement in India, to limits shown in the Policy Certificate","note":"These are optional covers available only on payment of additional premium.","quote":"In consideration of payment of additional premium, it is hereby understood and agreed that in the event of Accidental Injury, the Company will reimburse the Insured ------% of Basic Sum Insured or actuals, whichever is less towards the cost of treatment including AYUSH treatment as defined in the policy, by a Medical Practitioner and use of Hospital facilities in India for medical treatment of Injury arising out of an Accident, for which there is a valid claim under this policy. ... In consideration of payment of additional premium, it is hereby understood and agreed that in the event of Accidental Injury, The Company will reimburse the Insured the cost of treatment including AYUSH treatment as defined in the policy, by a Medical Practitioner and use of Hospital facilities in India provided the Insured is admitted as an inpatient for medical treatment of Injury arising out of an Accident subject to the hospitalisation commencing during the policy period and the limit as shown in the Policy Certificate. ... In addition, The Company will reimburse the Insured the cost of treatment by a Medical Practitioner and use of Hospital facilities in India for medical treatment of Injury arising out of an Accident as an outpatient, subject to the treatment commencing during the policy period and the sub-limit and deductible of Rs.1000 / NIL as shown in the Policy Certificate for outpatient treatment.","sources":[{"clause":null,"heading":"Note","page":25,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-linked-group-personal-accident-insurance-chopagp20102v011920/document/5123#c-note"},{"clause":null,"heading":"Endorsement no. 4 - *ACCIDENTAL MEDICAL EXPENSES REIMBURSEMENT –","page":27,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-linked-group-personal-accident-insurance-chopagp20102v011920/document/5123#c-endorsement-no-4-accidental-medical-expenses-rei"},{"clause":null,"heading":"Endorsement no. 5 - ACCIDENTAL MEDICAL EXPENSES REIMBURSEMENT –","page":27,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-linked-group-personal-accident-insurance-chopagp20102v011920/document/5123#c-endorsement-no-5-accidental-medical-expenses-rei"}],"law":[]},{"key":"occupation_classes","label":"Occupation rules","section":"Eligibility","meaning":"Whether your job affects cover or premium.","status":"quote-verified","value":"The wording does not print occupation classes, but any change in professional activity or occupation stated in the proposal must be immediately informed, is subject to the company's scrutiny and endorsement, and non-intimation can lead to repudiation of a claim related to the change.","display":"Change of occupation must be informed immediately and endorsed","note":null,"quote":"8. Change of occupation:\nAny change in the professional activity/ occupation as stated in the proposal, must be informed to us by the Proposer/Insured immediately. Such change will be scrutinized by us by verifying relevant documents before approval of the change. Our approval shall be signified by endorsement upon the policy and in the event of rejection. The company reserves the right to cancel the policy and shall return the premium on pro-rata for the remaining period. We also reserve the right to repudiate the claim in the event of change in the nature of professional activities / occupation if the change of occupation is not informed to us for passing necessary endorsement.","sources":[{"clause":"11","heading":null,"page":7,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-linked-group-personal-accident-insurance-chopagp20102v011920/document/5123#c-11"}],"law":[]}],"documents":[{"kind":"wording","label":"PW-Chola Credit Linked Group Personal Accident Insurance Policy.pdf","pages":44,"fetched_at":"2026-10-17 19:44:21+00","source_url":"https://www.cholainsurance.com/documents/20121/o/PW-Chola%20Credit%20Linked%20Group%20Personal%20Accident%20Insurance%20Policy.pdf/f08da067-78a7-fa45-ce94-38fc84027588","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-linked-group-personal-accident-insurance-chopagp20102v011920/document/5123"},{"kind":"prospectus","label":"Prospectus-Chola Credit Linked Group Personal Accident Insurance Policy.pdf","pages":25,"fetched_at":"2026-10-17 19:44:04+00","source_url":"https://www.cholainsurance.com/documents/20121/o/Prospectus-Chola%20Credit%20Linked%20Group%20Personal%20Accident%20Insurance%20Policy.pdf/1f5fc14d-148d-52b7-49c5-f00fb07bfe68","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-linked-group-personal-accident-insurance-chopagp20102v011920/document/5108"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Cholamandalam MS General Insurance official website","url":"https://www.cholainsurance.com","note":"Website as listed by IRDAI. Not checked: the site returned HTTP 502 to our crawler on 2026-10-19."},{"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":"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."}],"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":"Chola Credit Linked Group Personal Accident Insurance (UIN CHOPAGP20102V011920), IndiaInsurances, https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-linked-group-personal-accident-insurance-chopagp20102v011920"}