{"uin":"CHOPAGP20157V011920","name":"Chola MS Event Shield Insurance Policy","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-event-shield-insurance-policy-chopagp20157v011920","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 MS Event Shield Insurance Policy is a group event policy with Plan 1 to Plan 4 covering personal accident, fracture care, hospital cash, food poisoning treatment, event cancellation and ticket cancellation. It can cover a single event or an annual cover, and all covers are restricted within India only.","analysis":{"state":"machine","analysed_at":"2026-10-19 19:52:43.703602+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":"quote-verified","value":["Plan 1","Plan 2","Plan 3","Plan 4"],"display":"Plan 1, Plan 2, Plan 3, Plan 4","note":null,"quote":"Plan/Section | Cover | Plan 1 | Plan 2 | Plan 3 | Plan 4","sources":[{"clause":null,"heading":"Per Event Sum Insured Limits","page":29,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-event-shield-insurance-policy-chopagp20157v011920/document/5127#c-per-event-sum-insured-limits"}],"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":"For a single event cover, the cover starts from the date of purchase of the Bonafide Ticket and ends at the scheduled time and date of the insured event. For an annual policy, the cover period is 12 months from payment of premium.","display":"Single event: from ticket purchase to scheduled event end; annual policy: 12 months","note":null,"quote":"The cover period for a single Event Insurance cover starts from the date of purchase of the Bonafide Ticket for an Insured Event and ceases at the end of the scheduled Time and date of the Insured Event . The Cover period for an Annual Policy is for a period of 12 months from the date of payment of Premium .","sources":[{"clause":"5(c)(iv)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-event-shield-insurance-policy-chopagp20157v011920/document/5127#c-5-c-iv"}],"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":"For event or ticket cancellation claims, intimation must be in writing immediately and in any event within 7 days from the date of event cancellation or ticket cancellation, with documents within 30 days of intimation. For accidental bodily injury or food poisoning claims, intimation must be in writing immediately and in any event within 7 days from the date of accident, with documents within 30 days from intimation.","display":"Immediately and within 7 days; documents within 30 days of intimation","note":null,"quote":"must inform us in writing immediately and in any event within 7 days from the date of event cancellation or Ticket cancellation as the case may be, and submit all documents to within 30 days of the intimation ... must inform us in writing immediately and in any event within 7 days from the date of the accident and submit all documents to us within 30 days from the date of intimation.","sources":[{"clause":null,"heading":"13) Reimbursement Claim Procedure of All Sections","page":17,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-event-shield-insurance-policy-chopagp20157v011920/document/5127#c-13-reimbursement-claim-procedure-of-all-sections"}],"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 Completed Claim Form","Copy of address proof","Death Certificate","FIR / Panchanama / Inquest Panchanama","Post Mortem Report","NEFT details & cancelled cheque","Original Certificate of Insurance","disability certificate","X Ray confirming the fracture & site of fracture","First Consultation letter from the Doctor","Hospital Discharge Card","Hospital Bill Money Receipt","All Laboratory and Diagnostic Test Reports","Cancelled Ticket /copy of cancelled Ticket"],"display":"Claim form, KYC/address proof, medical and police records, NEFT details, original certificate, and cover-specific documents","note":"Documents vary by claim type: accidental death, disability, fracture care, hospital cash, food poisoning treatment, or ticket cancellation.","quote":"a) Duly Completed Claim Form signed by Nominee/ legal heir of the Insured Beneficiary.\nb) Copy of address proof (Ration card or electricity bill copy).\nc) Attested copy of Death Certificate. ... f) Attested copy of FIR / Panchanama / Inquest Panchanama.\ng) Attested copy of Post Mortem Report (only if conducted). ... i) NEFT details & cancelled cheque of Nominee/ legal heir of the Insured Beneficiary\nj) Original Certificate of Insurance ... b) Attested copy of disability certificate from Civil Surgeon of Government Hospital stating percentage of disability. ... b) X Ray confirming the fracture & site of fracture ... a) First Consultation letter from the Doctor ... c) Hospital Discharge Card ... d) Hospital Bill Money Receipt\ne) All Laboratory and Diagnostic Test Reports. E.g. X-Ray, E.C.G, USG, MRI Scan, Hemogram, etc. ... d) Cancelled Ticket /copy of cancelled Ticket","sources":[{"clause":null,"heading":"List of Claim documents for Accidental Death","page":18,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-event-shield-insurance-policy-chopagp20157v011920/document/5127#c-list-of-claim-documents-for-accidental-death"},{"clause":null,"heading":"List of Claim Document Specific to Fracture Care Cover","page":18,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-event-shield-insurance-policy-chopagp20157v011920/document/5127#c-list-of-claim-document-specific-to-fracture-care"},{"clause":null,"heading":"List of Claim Documents Specific to Hospital Cash Benefit Cover","page":18,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-event-shield-insurance-policy-chopagp20157v011920/document/5127#c-list-of-claim-documents-specific-to-hospital-cas"},{"clause":null,"heading":"List of Claim Documents Specific to Food poisoning treatment cover","page":18,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-event-shield-insurance-policy-chopagp20157v011920/document/5127#c-list-of-claim-documents-specific-to-food-poisoni"}],"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":"After receiving all documents and being satisfied that the claim is admissible, the insurer will offer settlement within 15 days; after the insured beneficiary accepts the offer, payment is made within 7 days. If rejecting the claim, reasons are communicated in writing within 15 days of receipt of documents.","display":"Settlement offer within 15 days of documents and admissibility; payment within 7 days of acceptance","note":"Delayed payment carries interest at 2% above the bank rate prevalent at the beginning of the financial year in which the claim is reviewed.","quote":"On receipt of all the documents and on being satisfied with regard to the admissibility of the claim as per policy terms and conditions, we shall offer within a period of 15 days settlement of the claim to the Insured Beneficiary. Upon acceptance of an offer of settlement by the Insured Beneficiary, the payment of the amount due shall be made within 7 days from the date of acceptance of the offer by the Insured Beneficiary. ... the reasons regarding the rejection shall be communicated to the InsuredBeneficiary in writing within 15 days of the receipt of documents.","sources":[{"clause":null,"heading":"Cholamandalam MS General Insurance Company Limited","page":19,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-event-shield-insurance-policy-chopagp20157v011920/document/5127#c-cholamandalam-ms-general-insurance-company-limit"}],"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":["Expenses related to the treatment of a Pre-Existing Disease(PED) and its direct complications shall be excluded until the expiry of 36 months","Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded","Expenses related to any admission primarily for enforced bed rest and not for receiving treatment","Hazardous or Adventure sports","Breach of law","Maternity","Through suicide, attempted suicide (whether sane and insane) or intentionally self-inflicted injury or illness","While under the influence of liquor or drugs, alcohol or other intoxicants","Arising out of your participation in any police,naval, military or air force operations","Venereal or sexually transmitted diseases","War (whether declared or not), civil war, invasion, act of foreign enemies","Ionizing radiation or contamination by radioactivity","Operating or learning to operate any aircraft","Any claim caused by osteoporosis","Any treatment taken outside India"],"display":"PED for 36 months, diagnostics-only admissions, rest cure, hazardous sports, breach of law, maternity, suicide/self-inflicted injury, intoxication, military operations, STDs, war, radiation, aircraft operation, osteoporosis/pathological fracture, and treatment outside India","note":"The PED exclusion is applicable to Sections 1, 2, 3 and 4. Some exclusions are section-specific.","quote":"Expenses related to the treatment of a Pre-Existing Disease(PED) and its direct complications shall be excluded until the expiry of 36 months ... Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded ... Expenses related to any admission primarily for enforced bed rest and not for receiving treatment. ... Hazardous or Adventure sports: Code – Excl09 ... Breach of law: Code – Excl 10 ... Maternity: Code – Excl18 ... Through suicide, attempted suicide (whether sane and insane) or intentionally self-inflicted injury or illness, ... While under the influence of liquor or drugs, alcohol or other intoxicants, ... Arising out of your participation in any police,naval, military or air force operations ... Venereal or sexually transmitted diseases, ... War (whether declared or not), civil war, invasion, act of foreign enemies ... Ionizing radiation or contamination by radioactivity ... Operating or learning to operate any aircraft ... Any claim caused by osteoporosis ... Any treatment taken outside India.","sources":[{"clause":"Excl01","heading":"Pre-Existing Diseases – Code – Excl01","page":12,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-event-shield-insurance-policy-chopagp20157v011920/document/5127#c-excl01"},{"clause":"2","heading":"Investigation & Evaluation – Code – Excl04","page":12,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-event-shield-insurance-policy-chopagp20157v011920/document/5127#c-2-5"},{"clause":"3(a)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-event-shield-insurance-policy-chopagp20157v011920/document/5127#c-3-a"},{"clause":"4","heading":"Hazardous or Adventure sports","page":13,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-event-shield-insurance-policy-chopagp20157v011920/document/5127#c-4-5"},{"clause":"5","heading":"Breach of law","page":13,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-event-shield-insurance-policy-chopagp20157v011920/document/5127#c-5-4"},{"clause":"6","heading":"Maternity: Code – Excl18","page":13,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-event-shield-insurance-policy-chopagp20157v011920/document/5127#c-6-3"},{"clause":"7","heading":null,"page":13,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-event-shield-insurance-policy-chopagp20157v011920/document/5127#c-7-3"},{"clause":"8","heading":null,"page":13,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-event-shield-insurance-policy-chopagp20157v011920/document/5127#c-8-3"},{"clause":"9","heading":null,"page":13,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-event-shield-insurance-policy-chopagp20157v011920/document/5127#c-9-3"},{"clause":"11","heading":null,"page":13,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-event-shield-insurance-policy-chopagp20157v011920/document/5127#c-11-2"},{"clause":"12","heading":null,"page":13,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-event-shield-insurance-policy-chopagp20157v011920/document/5127#c-12"},{"clause":"13","heading":null,"page":13,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-event-shield-insurance-policy-chopagp20157v011920/document/5127#c-13"},{"clause":"15","heading":null,"page":13,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-event-shield-insurance-policy-chopagp20157v011920/document/5127#c-15"},{"clause":"16","heading":null,"page":13,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-event-shield-insurance-policy-chopagp20157v011920/document/5127#c-16"},{"clause":"10","heading":null,"page":11,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-event-shield-insurance-policy-chopagp20157v011920/document/5127#c-10"}],"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":"First contact the company through its website, toll-free number, email or courier, or write to customercare@cholams.murugappa.com to register the complaint. If not satisfied or delayed beyond 7 working days, escalate to the Nodal Officer and then to the Chief Grievance Officer before approaching the Insurance Ombudsman.","display":"First contact Chola MS Customer Care; then Nodal Officer; then Chief Grievance Officer","note":null,"quote":"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 ... Please write to customercare@cholams.murugappa.com to register your complaint. ... you may escalate the same to our Nodal Officer – Nodalescalation@cholams.murugappa.com ... you may escalate the same to our Chief Grievance Officer - GRO@cholams.murugappa.com","sources":[{"clause":null,"heading":"Mechanism for Grievance Redressal:-","page":23,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-event-shield-insurance-policy-chopagp20157v011920/document/5127#c-mechanism-for-grievance-redressal"},{"clause":null,"heading":"Procedure of Grievance Redressal","page":23,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-event-shield-insurance-policy-chopagp20157v011920/document/5127#c-procedure-of-grievance-redressal"},{"clause":null,"heading":"Escalation Matrix","page":24,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-event-shield-insurance-policy-chopagp20157v011920/document/5127#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":"quote-verified","value":"Per event limits under Plan 1 to Plan 4 are: Personal Accident ₹ 1,00,000 to ₹ 5,00,000; Fracture Care ₹ 50,000 to ₹ 1,00,000; Hospital Cash ₹ 500 to ₹ 1,500 per day; Food Poisoning Treatment ₹ 5,000 to ₹ 15,000; Event Cancellation ₹ 5,000 to ₹ 20,000; Ticket Cancellation ₹ 5,000 to ₹ 20,000. Annual cover has higher per-year limits in the plan table.","display":"Plan-wise per event and annual cover limits for Sections 1 to 6","note":"Plan 4 differs from Plan 3 mainly for hospital cash maximum days and cancellation limits.","quote":"Per Event Sum Insured Limits ... Section 1 | Personal Accident | ₹ 1,00,000 | ₹ 3,00,000 | ₹ 5,00,000 | ₹ 5,00,000\nSection 2 | Fracture Care | ₹ 50,000 | ₹ 75,000 | ₹ 1,00,000 | ₹ 1,00,000\nSection 3 | Hospital Cash Benefit-Per Day | ₹ 500 | ₹ 1,000 | ₹ 1,500 | ₹ 1,500 ... Section 4 | Food Poisoning Treatment cover | ₹ 5,000 | ₹ 10,000 | ₹ 15,000 | ₹ 15,000\nSection 5 | Event Cancellation by Event Organiser | ₹ 5,000 | ₹ 10,000 | ₹ 15,000 | ₹ 20,000\nSection 6 | Ticket Cancellation by Insured Beneficiary | ₹ 5,000 | ₹ 10,000 | ₹ 15,000 | ₹ 20,000 ... Per Year Sum Insured Limits (applicable for Annual Cover)","sources":[{"clause":null,"heading":"Per Event Sum Insured Limits","page":29,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-event-shield-insurance-policy-chopagp20157v011920/document/5127#c-per-event-sum-insured-limits"}],"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":null,"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":"quote-verified","value":{"unit":"months","amount":36},"display":"36 months","note":"Applies to general exclusions applicable to Sections 1, 2, 3 and 4; coverage after 36 months is subject to declaration and acceptance.","quote":"Expenses related to the treatment of a Pre-Existing Disease(PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first policy with insurer.","sources":[{"clause":"Excl01","heading":"Pre-Existing Diseases – Code – Excl01","page":12,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-event-shield-insurance-policy-chopagp20157v011920/document/5127#c-excl01"}],"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":null,"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":null,"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":null,"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":"quote-verified","value":"For pre-existing disease waiting period, if the insured person is continuously covered without a break as defined under IRDAI portability norms, the waiting period is reduced to the extent of prior coverage.","display":"Waiting period reduced to the extent of prior coverage under portability norms","note":"The wording states waiting-period credit under portability norms, but does not describe the procedure for porting out to another insurer.","quote":"If the Insured Person is continuously covered without any break as defined under the portability norms stipulated by IRDAI, then waiting period for the same would be reduced to the extent of prior coverage.","sources":[{"clause":"Excl01","heading":"Pre-Existing Diseases – Code – Excl01","page":12,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-event-shield-insurance-policy-chopagp20157v011920/document/5127#c-excl01"}],"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 loading is for the entire portfolio and is not based on an individual policy's claim experience.","display":"No individual claim-based renewal loading","note":null,"quote":"The loadings on renewals shall be in terms of increase or decrease in premiums offered for the entire portfolio and shall not be based on any individual policy claim experience","sources":[{"clause":"5(g)(iii)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-event-shield-insurance-policy-chopagp20157v011920/document/5127#c-5-g-iii"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"For a single event certificate cancelled by the insured beneficiary before the insured event period begins, the insurer refunds the premium in full after deducting 25% towards administrative expenses; no refund is payable after commencement of the insured event period. For an annual policy, cancellation needs 7 days written notice and, if no claim has been made, refund is by short-period scale: up to one month 75%, up to three months 50%, up to six months 25%, and exceeding six months nil.","display":"Single event: refund less 25% before event, none after commencement; annual: 75%/50%/25%/nil if no claim","note":null,"quote":"The Company shall refund the premium in full after deducting 25% of the Premium towards administrative Expenses. No refund is payable in respect of cancellation after the commencement of Insured event period ... by giving 7 days written notice and if no claim has been made then the Company shall refund premium, by deducting short term Premium ... Upto one month 75% of annual rate Upto three months 50%of annual rate Upto six months 25% of annual rate Exceeding six months Nil No refund of premium shall be due on cancellation of Policy under any circumstances for those Beneficiaries who have made claim under the Policy.","sources":[{"clause":null,"heading":"21) Cancellation","page":20,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-event-shield-insurance-policy-chopagp20157v011920/document/5127#c-21-cancellation"},{"clause":null,"heading":"Beneficiary has paid the premium)","page":21,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-event-shield-insurance-policy-chopagp20157v011920/document/5127#c-beneficiary-has-paid-the-premium"},{"clause":null,"heading":"PERIOD ON RISK RATE OF PREMIUM REFUNDED","page":21,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-event-shield-insurance-policy-chopagp20157v011920/document/5127#c-period-on-risk-rate-of-premium-refunded"}],"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":"All covers are restricted within India only and payment is within India in Indian Rupees.","display":"India only","note":null,"quote":"Territorial Limits All covers are restricted within India only. Our liability to make any payment shall be to make payment within India and in Indian Rupees only","sources":[{"clause":null,"heading":"4. GENERAL TERMS AND CONDITIONS APPLICABLE TO ALL COVERS","page":15,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-event-shield-insurance-policy-chopagp20157v011920/document/5127#c-4-general-terms-and-conditions-applicable-to-all"}],"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":"not-stated","value":null,"display":null,"note":null,"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":null,"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":null,"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":["Section 1 Personal Accident","Section 2 Fracture Care","Section 3 Hospital Cash Benefit","Section 4 Food Poisoning Treatment cover","Section 5 Event Cancellation by Event Organiser","Section 6 Ticket Cancellation by Insured Beneficiary"],"display":"Group Manager may opt for policy sections at inception","note":"The wording describes section selection by the Group Manager at policy inception; it does not describe these as add-ons for extra premium.","quote":"The Group Manager may opt for any one of the section under the policy and the applicability of the coverage to the beneficiary shall be as specified in the Policy Certificate. However this option shall be exercised at the policy inception by the Group Manager. ... Section 1 | Personal Accident ... Section 2 | Fracture Care ... Section 3 | Hospital Cash Benefit-Per Day ... Section 4 | Food Poisoning Treatment cover ... Section 5 | Event Cancellation by Event Organiser ... Section 6 | Ticket Cancellation by Insured Beneficiary","sources":[{"clause":null,"heading":"45)Sum Insured Per Event means","page":6,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-event-shield-insurance-policy-chopagp20157v011920/document/5127#c-45-sum-insured-per-event-means"},{"clause":null,"heading":"Per Event Sum Insured Limits","page":29,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-event-shield-insurance-policy-chopagp20157v011920/document/5127#c-per-event-sum-insured-limits"}],"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":null,"quote":null,"sources":[],"law":[]},{"key":"accidental_death","label":"Accidental death","section":"Cover","meaning":"What is paid if an accident causes death.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"permanent_total_disability","label":"Permanent total disability","section":"Cover","meaning":"What is paid for permanent total disability.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"permanent_partial_disability","label":"Permanent partial disability","section":"Cover","meaning":"The table of payouts for losing a limb, eye, hearing...","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":null,"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":null,"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":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"PW-Chols MS Event Shield Ins Policy.pdf","pages":29,"fetched_at":"2026-10-17 19:44:28+00","source_url":"https://www.cholainsurance.com/documents/20121/o/PW-Chols%20MS%20Event%20Shield%20Ins%20Policy.pdf/7c5e3602-634b-dc82-04e5-10c76a4bfcd2","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-event-shield-insurance-policy-chopagp20157v011920/document/5127"},{"kind":"prospectus","label":"Prospectus-Chola MS Event Shield Ins Policy.pdf","pages":20,"fetched_at":"2026-10-17 19:44:10+00","source_url":"https://www.cholainsurance.com/documents/20121/o/Prospectus-Chola%20MS%20Event%20Shield%20Ins%20Policy.pdf/e5b42fac-01df-813e-1b3a-aea5fa314fe3","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-event-shield-insurance-policy-chopagp20157v011920/document/5112"}],"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 MS Event Shield Insurance Policy (UIN CHOPAGP20157V011920), IndiaInsurances, https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-event-shield-insurance-policy-chopagp20157v011920"}