{"uin":"IFFPAGP23058V012223","name":"Pradhan Mantri Suraksha Bima Yojana (PMSBY)","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pradhan-mantri-suraksha-bima-yojana-pmsby-iffpagp23058v012223","insurer":{"slug":"iffco-tokio-general-insurance","name":"IFFCO TOKIO General Insurance Company Limited","url":"https://indiainsurances.com/insurer/iffco-tokio-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":"PMSBY is a personal accident policy for account holders aged between 18 years (completed) to 70 years (age nearer birthday). It pays 2 Lacs for accidental death or permanent total disability and 1 Lac for specified permanent partial disability, with worldwide coverage subject to Indian Government travel and other restrictions.","analysis":{"state":"machine","analysed_at":"2026-10-19 20:49:59.605941+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":null,"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 cover is ordinarily for a one-year period from 1st June to 31st May and is renewed on an annual basis.","display":"One-year period from 1st June to 31st May; renewed on annual basis","note":null,"quote":"The cover shall ordinarily be for the one-year period stretching from 1st June to 31st May for which option to join / pay by auto-debit from the designated bank/ Post office account on the prescribed forms will be required to be given by 3lst May of every year. Joining subsequently on payrnent of full annual premium is allowed. ... The policy shall be renewed on annual basis.","sources":[{"clause":"1","heading":"ENROLMENT MODALITY/ PERIOD","page":9,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pradhan-mantri-suraksha-bima-yojana-pmsby-iffpagp23058v012223/document/8696#c-1-4"},{"clause":"13(a)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pradhan-mantri-suraksha-bima-yojana-pmsby-iffpagp23058v012223/document/8696#c-13-a"}],"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":"Immediately after an accident which may give rise to a claim, the insured or nominee should contact the bank branch where the underlying account was held. The claim form should be submitted to that bank branch preferably within 30 days of the accident.","display":"Immediately contact the bank branch; claim form preferably within 30 days of the accident","note":"The 30-day condition may be waived in extreme hardship if proved to the insurer's satisfaction.","quote":"Immediately after the occurrence of an accident which may give rise to a claim under the policy, the insured or the nominee (in case of death of the insured) shall contact the bank branch where the insured person held the underlying Bank Account from which the premium for the policy was auto debited and submit a duly completed. ... The Claim form shall be completed by the insured or, as the case may be, by the nominee and submitted to the above bank branch preferably within 30 days of the occurrence of the accident giving rise to the claim under the policy. ... *Note: Waiver of conditions (iii.) may be considered in extreme cases of hardship where it is proved to Our satisfaction that under the circumstances in which the Insured Person was placed, it was not possible for the Insured Person or any other person claiming on his/her behalf to give notice or file claim within the prescribed time limit.","sources":[{"clause":"2(i)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pradhan-mantri-suraksha-bima-yojana-pmsby-iffpagp23058v012223/document/8696#c-2-i"},{"clause":"2(iii)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pradhan-mantri-suraksha-bima-yojana-pmsby-iffpagp23058v012223/document/8696#c-2-iii"},{"clause":"2(vi)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pradhan-mantri-suraksha-bima-yojana-pmsby-iffpagp23058v012223/document/8696#c-2-vi"}],"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":["Claim form","Original FIR/ Panchnama","Post Mortem Report (if conducted)","Death Certificate","Disability Certificate issued by a Civil Surgeon","A discharge certificate in the enclosed format","Aadhaar and PAN number of the insured member and claimant or any other photo identity proof","KYC document","First two pages of passbook, or bank / post office account statement showing account details, or cancelled cheque","Advance receipt for discharge of claim","Any other relevant document required by the Company for assessment of the claim"],"display":"Claim form; Original FIR/ Panchnama; Post Mortem Report (if conducted); Death Certificate; disability and discharge documents; identity, KYC and bank account proof; advance receipt; any other relevant document","note":null,"quote":"The Claim form shall be completed by the insured or, as the case may be, by the nominee and submitted to the above bank branch preferably within 30 days of the occurrence of the accident giving rise to the claim under the policy. ... The Claim form shall be supported, in case of death of the insured, by the Original FIR/ Panchnama, Post Mortem Report (if conducted) and Death Certificate and in case of permanent disablement, by Original FIR/ Panchnama and a Disability Certificate issued by a Civil Surgeon. A discharge certificate in the enclosed format shall also be submitted by the claimant/ nominee. ... Basic documents required for All claims\ni. Aadhaar and PAN number of the insured member and claimant or any other photo identity proof as agreed by us at the time of claim.\nii. KYC document in respect of the nominee/appointee/claimant (as the case may be).\niii. First two pages of passbook, or bank / post office account statement showing account details, or cancelled cheque of the account of the nominee/appointee/claimant (as the case may be). ... vii) Advance receipt for discharge of claim, duly filled in and signed. ... Any other relevant document required by the Company for assessment of the claim","sources":[{"clause":"2(iii)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pradhan-mantri-suraksha-bima-yojana-pmsby-iffpagp23058v012223/document/8696#c-2-iii"},{"clause":"2(iv)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pradhan-mantri-suraksha-bima-yojana-pmsby-iffpagp23058v012223/document/8696#c-2-iv"},{"clause":"2(vi)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pradhan-mantri-suraksha-bima-yojana-pmsby-iffpagp23058v012223/document/8696#c-2-vi"},{"clause":"2(vii)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pradhan-mantri-suraksha-bima-yojana-pmsby-iffpagp23058v012223/document/8696#c-2-vii"},{"clause":"2(viii)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pradhan-mantri-suraksha-bima-yojana-pmsby-iffpagp23058v012223/document/8696#c-2-viii"}],"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":"The company shall settle or reject a claim within 30 days from receipt of the last necessary document. If investigation is required, it shall complete investigation not later than 30 days from receipt of the last necessary document and settle or reject the claim within 45 days from that date; delayed payment carries interest at 2% above the bank rate.","display":"30 days from receipt of last necessary document; 45 days if investigation is required; delay interest 2% above bank rate","note":null,"quote":"The Company shall settle or reject a claim, as the case may be, within 30 days from the date of receipt of last necessary document. ... In case of delay in the payment of a claim, the Company shall be liable to pay interest to the policyholder from the date of receipt of last necessary document to the date of payment of claim at a rate 2% above the bank rate. ... However, where the circumstances of a claim warrant an investigation in the opinion of the Company, it shall initiate and complete such investigation at the earliest, in any case not later than 30 days from the date of receipt of last necessary document. In such cases, the Company shall settle or reject the claim within 45 days from the date of receipt of last necessary document. ... In case of delay beyond stipulated 45 days, the Company shall be liable to pay interest to the policyholder at a rate 2% above the bank rate from the date of receipt of last necessary document to the date of payment of claim.","sources":[{"clause":"3(i)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pradhan-mantri-suraksha-bima-yojana-pmsby-iffpagp23058v012223/document/8696#c-3-i"},{"clause":"3(ii)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pradhan-mantri-suraksha-bima-yojana-pmsby-iffpagp23058v012223/document/8696#c-3-ii"},{"clause":"3(iii)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pradhan-mantri-suraksha-bima-yojana-pmsby-iffpagp23058v012223/document/8696#c-3-iii"},{"clause":"3(iv)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pradhan-mantri-suraksha-bima-yojana-pmsby-iffpagp23058v012223/document/8696#c-3-iv"}],"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":["Any payment exceeding Capital Sum Insured","Any payment in case of more than one claim, during any one Policy Period, by which Our liability in that period would exceed Rs 2 lacs","War (whether declared or not) and war like occurrence or invasion","intentional self-injury (unless in self-defense or to save life), suicide or attempted suicide","whilst under the influence of intoxicating liquor or drugs or other intoxicants","whilst engaging in aviation or ballooning","arising or resulting from the Insured Person committing any breach of law with criminal intent","motor racing or trial runs","arising from pregnancy or childbirth or miscarriage or abortion or complications arising out of any of these","Death/disablement due to sickness or disease","Arising out of any existing disability","participation as a professional in hazardous or adventure sports","Ionizing radiation or contamination by radioactivity","Nuclear, chemical and biological terrorism","any violation or attempted violation of the law"],"display":"Capital Sum Insured and Rs 2 lacs limits; war; self-injury or suicide; intoxication; aviation or ballooning; criminal breach of law; motor racing; pregnancy or childbirth; sickness or disease; existing disability; hazardous/adventure sports; radiation or nuclear events; nuclear, chemical and biological terrorism; illegal acts","note":null,"quote":"Any payment exceeding Capital Sum Insured, as mentioned under Items a and b of table of benefits during any one Policy Period for the insured person. ... Any payment in case of more than one claim, during any one Policy Period, by which Our liability in that period would exceed Rs 2 lacs ... Any claim of the insured person, directly or indirectly due to War (whether declared or not) and war like occurrence or invasion, acts of foreign enemies, hostilities, civil war, rebellion, revolutions, insurrections, mutiny, military or usurped power, seizure, capture, arrest, restraints and detainment of all kinds. ... a) from intentional self-injury (unless in self-defense or to save life), suicide or attempted suicide;\nb) whilst under the influence of intoxicating liquor or drugs or other intoxicants except where the insured is not directly responsible for the injury / accident though under influence of intoxication.\nc) whilst engaging in aviation or ballooning, or whilst mounting into, or dismounting from or travelling in any balloon or aircraft other than as a passenger (fare-paying or otherwise) in any Scheduled Airlines in the world. ... d) arising or resulting from the Insured Person committing any breach of law with criminal intent.\ne) Whilst participating as the driver, co-driver or passenger of a motor vehicle during motor racing or trial runs.\nf) arising from pregnancy or childbirth or miscarriage or abortion or complications arising out of any of these. ... j) Death/disablement due to sickness or disease\nk) Arising out of any existing disability ... Any claim due to participation as a professional in hazardous or adventure sports, including but not limited to, para-jumping, rock climbing, mountaineering, rafting, motor racing, horse racing or scuba diving, hand gliding, sky diving, deep-sea diving ... a) Ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel or from any nuclear waste from combustion (including any self-sustaining process of nuclear fission) of nuclear fuel. ... d) Nuclear, chemical and biological terrorism ... Any loss arising out of the Insured Person's actual or attempted commission of or willful participation in an illegal act or any violation or attempted violation of the law.","sources":[{"clause":"1","heading":null,"page":3,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pradhan-mantri-suraksha-bima-yojana-pmsby-iffpagp23058v012223/document/8696#c-1-2"},{"clause":"2","heading":null,"page":3,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pradhan-mantri-suraksha-bima-yojana-pmsby-iffpagp23058v012223/document/8696#c-2-2"},{"clause":"4","heading":null,"page":3,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pradhan-mantri-suraksha-bima-yojana-pmsby-iffpagp23058v012223/document/8696#c-4-2"},{"clause":"5","heading":"Any claim of Insured Person","page":3,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pradhan-mantri-suraksha-bima-yojana-pmsby-iffpagp23058v012223/document/8696#c-5-2"},{"clause":"6","heading":null,"page":4,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pradhan-mantri-suraksha-bima-yojana-pmsby-iffpagp23058v012223/document/8696#c-6-2"},{"clause":"7","heading":null,"page":4,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pradhan-mantri-suraksha-bima-yojana-pmsby-iffpagp23058v012223/document/8696#c-7-2"},{"clause":"8","heading":null,"page":4,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pradhan-mantri-suraksha-bima-yojana-pmsby-iffpagp23058v012223/document/8696#c-8-2"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"For a grievance, the insured person may contact the company through its grievance website, toll-free number, email, courier to the Chief Grievance Officer, or at a company branch. If not satisfied, the insured person may contact the grievance officer at chiefgrievanceofficer@iffcotokio.co.in, lodge at IRDAI IGMS, or approach the Insurance Ombudsman.","display":"Contact the company through website, 18001035499, support@iffcotokio.co.in, Chief Grievance Officer by courier, or branch; then chiefgrievanceofficer@iffcotokio.co.in if not satisfied","note":null,"quote":"Grievances In case of any grievance the insured person may contact the company through\ni. Website | : https://www.iffcotokio.co.in/customer-services/grievance-redressal\nii. Toll Free : 18001035499\niii. E-mail | : support@iffcotokio.co.in\niv. Fax | :\nv. Courier | :Chief Grievance Officer\nIFFCO-Tokio General Insurance Company Limited IFFCO TOWER – II Plot No.3, Sector-29, Gurgaon Haryana-122001\nInsured person may also approach the grievance cell at any of the company’s branches with the details of grievance If Insured person is not satisfied with the redressal of grievance through one of the above methods, insured person may contact the grievance officer at chiefgrievanceofficer@iffcotokio.co.in","sources":[{"clause":"17","heading":"Claim Related Information","page":8,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pradhan-mantri-suraksha-bima-yojana-pmsby-iffpagp23058v012223/document/8696#c-17-2"}],"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":"The table of benefits gives fixed amounts: Death 2 Lacs; total and irrecoverable loss of both eyes or loss of use of both hands or feet or loss of sight of one eye and loss of use of hand or foot 2 Lacs; total and irrecoverable loss of sight of one eye or loss of use of one hand or foot 1 Lac.","display":"Death: 2 Lacs; permanent total disability: 2 Lacs; specified permanent partial disability: 1 Lac","note":"No selectable sum insured options are stated; the wording gives these benefit amounts.","quote":"TABLE OF BENEFITS | CAPITAL SUM INSURED (in INR)\na. Death | 2 Lacs\nb. Total and irrecoverable loss of both eyes or loss of use | 2 Lacs | 2 Lacs\nof both hands or feet or loss of sight of one eye and loss of use of hand or foot.\nc. Total and irrecoverable loss of sight of one eye or loss | 1 Lac\nof use of one hand or foot","sources":[{"clause":"18","heading":"Capital Sum Insured : It","page":3,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pradhan-mantri-suraksha-bima-yojana-pmsby-iffpagp23058v012223/document/8696#c-18"}],"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 benefit policy and does not cover illness claims for which an initial illness waiting period would apply.","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":"This is a personal accident benefit policy, not a disease or hospitalisation cover; pre-existing disease coverage is not applicable.","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 benefit policy, so named illness or procedure waiting periods do not apply.","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 benefit policy, so there is no list of illnesses or procedures with a specific waiting period.","quote":null,"sources":[],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"not-stated","value":null,"display":null,"note":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":"not-stated","value":null,"display":null,"note":null,"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":"quote-verified","value":false,"display":"Renewable upto the age of 70 years","note":null,"quote":"The policy shall ordinarily be renewable upto the age of 70 years except on grounds of fraud, misrepresentation by the master policyholder/ insured person.","sources":[{"clause":"13(b)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pradhan-mantri-suraksha-bima-yojana-pmsby-iffpagp23058v012223/document/8696#c-13-b"}],"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":"The premium would be reviewed based on the annual claims experience under the Pradhan Mantri Suraksha Bima Yojana of the Government of India. The wording does not state individual premium loading because a particular insured person made a claim.","display":"Premium reviewed based on annual claims experience","note":"This clause refers to annual claims experience, not individual claim-based loading.","quote":"As per the Pradhan Mantri Suraksha Bima Yojana of the Government of India, the premium would be reviewed based on the annual claims experience.","sources":[{"clause":"14","heading":"Possibility of revision of the premium rates","page":8,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pradhan-mantri-suraksha-bima-yojana-pmsby-iffpagp23058v012223/document/8696#c-14-2"}],"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":["War (whether declared or not) and war like occurrence or invasion","intentional self-injury (unless in self-defense or to save life), suicide or attempted suicide","whilst under the influence of intoxicating liquor or drugs or other intoxicants","whilst engaging in aviation or ballooning","arising or resulting from the Insured Person committing any breach of law with criminal intent","motor racing or trial runs","arising from pregnancy or childbirth or miscarriage or abortion or complications arising out of any of these","participation in any naval, military or airforce operations","Being a part of a Professional Sports team","Being a member of Ship’s crew","Death/disablement due to sickness or disease","Arising out of any existing disability","participation as a professional in hazardous or adventure sports","Ionizing radiation or contamination by radioactivity","Nuclear, chemical and biological terrorism","willful participation in an illegal act or any violation or attempted violation of the law"],"display":"War; self-injury or suicide; intoxication; aviation or ballooning; criminal breach of law; motor racing; pregnancy or childbirth; naval, military or airforce operations; professional sports team; ship’s crew; sickness or disease; existing disability; hazardous or adventure sports; radiation or nuclear events; nuclear, chemical and biological terrorism; illegal acts","note":null,"quote":"Any claim of the insured person, directly or indirectly due to War (whether declared or not) and war like occurrence or invasion, acts of foreign enemies, hostilities, civil war, rebellion, revolutions, insurrections, mutiny, military or usurped power, seizure, capture, arrest, restraints and detainment of all kinds. ... a) from intentional self-injury (unless in self-defense or to save life), suicide or attempted suicide;\nb) whilst under the influence of intoxicating liquor or drugs or other intoxicants except where the insured is not directly responsible for the injury / accident though under influence of intoxication.\nc) whilst engaging in aviation or ballooning, or whilst mounting into, or dismounting from or travelling in any balloon or aircraft other than as a passenger (fare-paying or otherwise) in any Scheduled Airlines in the world. ... d) arising or resulting from the Insured Person committing any breach of law with criminal intent.\ne) Whilst participating as the driver, co-driver or passenger of a motor vehicle during motor racing or trial runs.\nf) arising from pregnancy or childbirth or miscarriage or abortion or complications arising out of any of these.\ng) arising out of participation in any naval, military or airforce operations whether in the form of military exercises or war games or actual engagement with the enemy, whether domestic or foreign.\nh) Being a part of a Professional Sports team\ni) Being a member of Ship’s crew\nj) Death/disablement due to sickness or disease\nk) Arising out of any existing disability ... Any claim due to participation as a professional in hazardous or adventure sports, including but not limited to, para-jumping, rock climbing, mountaineering, rafting, motor racing, horse racing or scuba diving, hand gliding, sky diving, deep-sea diving ... a) Ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel or from any nuclear waste from combustion (including any self-sustaining process of nuclear fission) of nuclear fuel. ... d) Nuclear, chemical and biological terrorism ... Any loss arising out of the Insured Person's actual or attempted commission of or willful participation in an illegal act or any violation or attempted violation of the law.","sources":[{"clause":"4","heading":null,"page":3,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pradhan-mantri-suraksha-bima-yojana-pmsby-iffpagp23058v012223/document/8696#c-4-2"},{"clause":"5","heading":"Any claim of Insured Person","page":3,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pradhan-mantri-suraksha-bima-yojana-pmsby-iffpagp23058v012223/document/8696#c-5-2"},{"clause":"6","heading":null,"page":4,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pradhan-mantri-suraksha-bima-yojana-pmsby-iffpagp23058v012223/document/8696#c-6-2"},{"clause":"7","heading":null,"page":4,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pradhan-mantri-suraksha-bima-yojana-pmsby-iffpagp23058v012223/document/8696#c-7-2"},{"clause":"8","heading":null,"page":4,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pradhan-mantri-suraksha-bima-yojana-pmsby-iffpagp23058v012223/document/8696#c-8-2"}],"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 insured or insured person may cancel by giving 15days’ written notice, and the company refunds premium on short term rates for the unexpired policy period: 15 days 90%, 1 months 85%, 2 months 70%, 3 months 60%, 4 months 50%, 5 months 40%, 6 months 30%, 7 months 25%, 8 months 20%, 9 months 15%, exceeding 9 months no refund. No refund is made if any claim has been admitted or lodged or any benefit availed.","display":"15days’ written notice; refund on short term rates from 90% at 15 days to no refund exceeding 9 months; no refund if a claim is admitted, lodged or benefit availed","note":null,"quote":"The Insured/Insured person may cancel this Policy by giving 15days’ written notice, and in such an event, the Company shall refund premium on short term rates for the unexpired Policy Period as per the rates detailed below.\nTime for which Policy in force | Refund of premium\n15 days | 90%\n1 months | 85%\n2 months | 70%\n3 months | 60%\n4 months | 50%\n5 months | 40%\n6 months | 30%\n7 months | 25%\n8 months | 20%\n9 months | 15%\nExceeding 9 months | No refund\nNotwithstanding anything contained herein or otherwise, no refunds of premium shall be made in respect of Cancellation where, any claim has been admitted or has been lodged or any benefit has been availed by the Insured person under the Policy.","sources":[{"clause":"11(b)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pradhan-mantri-suraksha-bima-yojana-pmsby-iffpagp23058v012223/document/8696#c-11-b"}],"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":"The coverage is worldwide, subject to travel and other restrictions that the Indian Government may impose.","display":"Worldwide, subject to travel and other restrictions that the Indian Government may impose","note":null,"quote":"The coverage is worldwide (subject to travel and other restrictions that the Indian Government may impose)","sources":[{"clause":"8","heading":"Territorial Limit","page":6,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pradhan-mantri-suraksha-bima-yojana-pmsby-iffpagp23058v012223/document/8696#c-8-3"}],"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":"The wording defines a grace period as a specified period but does not state the number of days.","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":"quote-verified","value":"The insured person is the account holder or member or participating subscriber aged between 18 years (completed) to 70 years (age nearer birthday).","display":"18 years (completed) to 70 years (age nearer birthday)","note":null,"quote":"Insured Person : The account holder or member or participating subscriber of this policy aged between 18 years (completed) to 70 years (age nearer birthday).","sources":[{"clause":"17","heading":"Insured Person","page":3,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pradhan-mantri-suraksha-bima-yojana-pmsby-iffpagp23058v012223/document/8696#c-17"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["annual"],"display":"Annual","note":"Premium is paid through auto-debit from the designated bank/Post office account.","quote":"Joining subsequently on payrnent of full annual premium is allowed. ... The policy shall be renewed on annual basis.","sources":[{"clause":"1","heading":"ENROLMENT MODALITY/ PERIOD","page":9,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pradhan-mantri-suraksha-bima-yojana-pmsby-iffpagp23058v012223/document/8696#c-1-4"},{"clause":"13(a)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pradhan-mantri-suraksha-bima-yojana-pmsby-iffpagp23058v012223/document/8696#c-13-a"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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 is not available for the period for which no premium is received.","display":"Coverage is not available for the period for which no premium is received","note":null,"quote":"Coverage is not available for the period for which no premium is received.","sources":[{"clause":"8","heading":"Grace Period : It","page":2,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pradhan-mantri-suraksha-bima-yojana-pmsby-iffpagp23058v012223/document/8696#c-8"}],"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":"Pradhan Mantri Suraksha Bima Yojana (PMSBY)","pages":14,"fetched_at":"2026-10-17 19:47:06+00","source_url":"https://www.iffcotokio.co.in/content/dam/iffcotokio/policy-wordings/health/policy-wording-pmsby.pdf","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/pradhan-mantri-suraksha-bima-yojana-pmsby-iffpagp23058v012223/document/8696"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"IFFCO TOKIO General Insurance official website","url":"https://www.iffcotokio.co.in/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claims","url":"https://www.iffcotokio.co.in/claims","note":null},{"purpose":"claim","kind":"insurer","name":"Register a claim","url":"https://www.iffcotokio.co.in/claims/register-a-claim","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://www.iffcotokio.co.in/contact-us/customer-services/grievance-redressal","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"renew","kind":"insurer","name":"Renew policy","url":"https://www.iffcotokio.co.in/renew-policy","note":null}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Pradhan Mantri Suraksha Bima Yojana (PMSBY) (UIN IFFPAGP23058V012223), IndiaInsurances, https://indiainsurances.com/policy/iffco-tokio-general-insurance/pradhan-mantri-suraksha-bima-yojana-pmsby-iffpagp23058v012223"}