{"uin":"IFFPMIP23039V012223","name":"Individual Personal Accident Policy (Micro Insurance)","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-micro-insurance-iffpmip23039v012223","insurer":{"slug":"iffco-tokio-general-insurance","name":"IFFCO TOKIO General Insurance Company Limited","url":"https://indiainsurances.com/insurer/iffco-tokio-general-insurance"},"line":"general","category":"personal-accident","category_name":"Personal accident","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"This is a personal accident policy that pays for accidental death, disablement and listed inbuilt benefits. Its geographical scope is worldwide, claims are settled in India in Indian rupees, and accident medical expenses are available only through the Medical Benefit Extension.","analysis":{"state":"machine","analysed_at":"2026-10-20 03:52:46.240896+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"The documents describe benefits and extensions, but do not name plan variants.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The policy term is referred to as the period shown in the Schedule; no fixed term is printed in the provided documents.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"An event that might become a claim must be reported as soon as possible. Written death notice must be given before internment/cremation unless reasonable cause is shown and in any case within one calendar month; loss of sight or amputation must be notified within one calendar month; immediate written notice of injury or disease must be within 14 days.","display":"As soon as possible; death before internment/cremation and within one calendar month; loss of sight/amputation within one calendar month; injury/disease within 14 days","note":null,"quote":"An event, which might become a claim under the policy, must be reported to us as soon as possible. In case of death, written notice also of death must, unless reasonable cause is shown, be given before internment/ cremation and in any case, within one calendar month after the death, and in the event of loss of sight or amputation of limbs, written notice thereof must also be given within one calendar month after such loss of sight or amputation. A written statement of the claim will be required and a claim form will be provided.\nYou or Your personal representative must give immediate written notice but within 14(fourteen) days of occurrence of injury, disease.","sources":[{"clause":"25(IV)(b)(iii)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-micro-insurance-iffpmip23039v012223/document/8692#c-25-iv-b-iii"}],"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.","Doctor’s report, bills in case of temporary/permanent disablement.","Police report/post mortem report in case of accidental death.","Leave certificate from employer in case of temporary disablement.","All certificates, information and evidence from a Medical Attendant or otherwise required by us"],"display":"Claim form; doctor’s report and bills for disablement; police report/post mortem report for accidental death; leave certificate for temporary disablement; other certificates, information and evidence required","note":"The itemised list is from the prospectus; the policy wording also requires certificates, information and evidence as prescribed by the insurer.","quote":"Documents required for settlement of claims:\n• Claim form.\n• Doctor’s report, bills in case of temporary/permanent disablement.\n• Police report/post mortem report in case of accidental death.\n• Leave certificate from employer in case of temporary disablement. ... All certificates, information and evidence from a Medical Attendant or otherwise required by us shall be furnished by you, your personal representative/assignee in the manner and form as we may prescribe.","sources":[{"clause":"4(IV)(b)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-micro-insurance-iffpmip23039v012223/document/8649#c-4-iv-b-3"},{"clause":"25(IV)(b)(iii)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-micro-insurance-iffpmip23039v012223/document/8692#c-25-iv-b-iii"}],"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":"If a claim is admissible, the insurer will make an offer of settlement or convey rejection within 30 days of receiving all relevant documents and investigation/assessment report, if required. If admitted, claim proceeds are paid within 7 days of acceptance of the offer; delay attracts interest at 2.0% above the bank rate.","display":"Offer or rejection within 30 days of all relevant documents and investigation/assessment report; payment within 7 days of acceptance","note":null,"quote":"in the event of a claim, if the same is found admissible under the policy, we shall make an offer of settlement or convey the rejection of the claim within 30(thirty) days of receipt of all relevant documents and investigation/ assessment report (if required). In case the claim is admitted, the claim proceeds shall be paid within 7(seven) days of your acceptance of our offer. In case of delay in payment, we shall be liable to pay interest at a rate which is 2.0% (two percent) above the bank rate prevalent at the beginning of financial year in which the claim is received by us.","sources":[{"clause":"25(IV)(b)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-micro-insurance-iffpmip23039v012223/document/8692#c-25-iv-b-2"}],"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":["Compensation under more than one of the benefits mentioned in Table of Benefits in respect of the same period of disablement.","Any other payment after a claim under one of the benefits 1,2,3 and 4 in Table of benefits has been admitted and becomes payable.","Any payment in case of more than one claim under this section during any one period of Insurance by which OUR liability in that period would exceed the sum payable under benefit(1) of this policy.","Committing or attempting to commit suicide or intentional self-injury.","Whilst under influence of intoxicating liquor.","Drug addiction or alcoholism.","Whilst engaging in Aviation or Ballooning","Pregnancy or childbirth.","Venereal disease or insanity.","Contracting any illness directly or indirectly arising from or attributable to HIV and/or any HIV related illness including AIDS","Committing any breach of law with criminal intent.","war, invasion, act of foreign enemy, hostilities","Ionizing radiation or contamination by radioactivity","The radioactive, toxic, explosive or the hazardous properties of any nuclear assembly or nuclear component."],"display":"Multiple benefit/same-period payments, excess claims over benefit (1), suicide or self-injury, intoxication, drug addiction or alcoholism, aviation/ballooning except as a passenger in licensed standard aircraft, pregnancy or childbirth, venereal disease or insanity, HIV/AIDS-related illness, criminal breach of law, war/civil unrest, and nuclear/radioactivity risks","note":null,"quote":"1. Compensation under more than one of the\nof injury as stated in Table of Benefits, we shall pay to | benefits mentioned in Table of Benefits in respect\nyou or your legal representative / assignee / nominee the | of the same period of disablement.\nsum or sums hereinafter set forth in Table of Benefits. | 2. Any other payment after a claim under one of the\nbenefits 1,2,3 and 4 in Table of benefits has been admitted and becomes payable.\n3. Any payment in case of more than one claim under this section during any one period of Insurance by which OUR liability in that period would exceed the sum payable under benefit(1) of this policy. ... a) Committing or attempting to commit suicide or intentional self-injury. intentional self-injury. ... b) Whilst under influence of intoxicating liquor. ... c) Drug addiction or alcoholism. ... d) Whilst engaging in Aviation or Ballooning or whilst\n ... e) Pregnancy or childbirth. ... f) Venereal disease or insanity. ... g) Contracting any illness directly or indirectly arising\n ... illness including AIDS and /or any mutant ... h) Committing any breach of law with criminal intent. ... 1. As consequence of war, invasion, act of foreign enemy, hostilities (whether war be declared or not) civil war, rebellion, revolution, insurrection, mutiny military or usurped power, confiscation, seizure, capture, assault, restraint, nationalization, civil commotion or loot or pillage in connection herewith. ... a) Ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. For the purpose of this exclusion, combustion shall include any self sustaining process of nuclear fission. ... b) The radioactive, toxic, explosive or the hazardous properties of any nuclear assembly or nuclear component.","sources":[{"clause":null,"heading":"COVERAGE","page":3,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-micro-insurance-iffpmip23039v012223/document/8692#c-coverage"},{"clause":"25(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-micro-insurance-iffpmip23039v012223/document/8692#c-25-a"},{"clause":"25(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-micro-insurance-iffpmip23039v012223/document/8692#c-25-b"},{"clause":"25(c)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-micro-insurance-iffpmip23039v012223/document/8692#c-25-c"},{"clause":"25(d)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-micro-insurance-iffpmip23039v012223/document/8692#c-25-d"},{"clause":"25(e)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-micro-insurance-iffpmip23039v012223/document/8692#c-25-e"},{"clause":"25(f)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-micro-insurance-iffpmip23039v012223/document/8692#c-25-f"},{"clause":"25(g)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-micro-insurance-iffpmip23039v012223/document/8692#c-25-g"},{"clause":"25(h)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-micro-insurance-iffpmip23039v012223/document/8692#c-25-h"},{"clause":null,"heading":"Jurisdiction of Office","page":14,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-micro-insurance-iffpmip23039v012223/document/8692#c-jurisdiction-of-office-4"},{"clause":"25(IV)(a)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-micro-insurance-iffpmip23039v012223/document/8692#c-25-iv-a-3"},{"clause":"25(IV)(b)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-micro-insurance-iffpmip23039v012223/document/8692#c-25-iv-b-3"}],"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, contact IFFCO-Tokio through its grievance redressal website, toll-free number, e-mail or Gurgaon address, or approach the grievance cell at a branch. If not satisfied, contact the grievance officer at chiefgrievanceofficer@iffcotokio.co.in before approaching the Insurance Ombudsman.","display":"Contact IFFCO-Tokio grievance redressal first; branch grievance cell; then chiefgrievanceofficer@iffcotokio.co.in before the Insurance Ombudsman","note":null,"quote":"18. Redressal of Grievance – In case of any grievance, You may contact Us through:\nWebsite: https://www.iffcotokio.co.in/customer-services/grievance-redressal Toll free: 1800-103-5499 E-mail: support@iffcotokio.co.in Address: IFFCO-Tokio General Insurance Co Ltd IFFCO Tower, Plot no. 3 Sector -29, Gurgaon – 122001 ... Insured person may also approach the grievance cell at any of the company’s branches with the details of\ngrievance. ... 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 ... lf insured person is not satisfied with the redressal of grievance through above methods, the insured person may also approach the office of lnsurance Ombudsman","sources":[{"clause":"25(IV)(b)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-micro-insurance-iffpmip23039v012223/document/8692#c-25-iv-b-2"},{"clause":null,"heading":"PROVISION FOR SENIOR CITIZENS","page":11,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-micro-insurance-iffpmip23039v012223/document/8692#c-provision-for-senior-citizens"}],"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":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["Death","Loss of sight (both eyes)","Loss of two limbs","Loss of one limb and one eye","Loss of sight of one eye","Loss of one limb","Permanent Total and absolute disablement","Any other permanent partial disablement","Temporary Total disablement benefit"],"display":"Accidental bodily injury causing death or disablement within 12 months, as listed in the Table of Benefits","note":null,"quote":"If following Bodily injury which solely and directly causes death or disablement to insured person within 12 months of injury as stated in Table of Benefits, we shall pay to you or your legal representative / assignee / nominee the sum or sums hereinafter set forth in Table of Benefits. ... 1. Death | 100\n2. a) Loss of sight (both eyes) b) Loss of two limbs c) Loss of one limb and one eye | 100 100 100\n3. a) Loss of sight of one eye b) Loss of one limb | 50 50\n4. Permanent Total and absolute disablement | 100 ... l) Any other permanent partial disablement | % as assessed by Doctor\n6. Temporary Total disablement benefit at the rate per week | 1% of C.S.I or Rs.25,000 whichever is lower.","sources":[{"clause":null,"heading":"COVERAGE","page":3,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-micro-insurance-iffpmip23039v012223/document/8692#c-coverage"},{"clause":"25(h)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-micro-insurance-iffpmip23039v012223/document/8692#c-25-h"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"not-stated","value":null,"display":null,"note":"No deductible or excess amount for each claim is stated in the provided documents.","quote":null,"sources":[],"law":[]},{"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 policyholder may cancel during the term by giving 7 days written notice. For a policy term up to one year, the insurer refunds proportionate premium for the unexpired period if no claim was made; for policies over one year, it refunds premium for unexpired policy periods where risk coverage has not commenced.","display":"7 days written notice; proportionate refund for unexpired period if term up to one year and no claims; for terms over 1 year, refund unexpired policy periods not yet commenced","note":null,"quote":"9. Cancellation The policyholder may cancel his/her policy at any time during the term, by giving 7 days notice in writing. The Insurer shall ... a) refund proportionate premium for unexpired policy period, if the term of policy upto one year and there is no claim (s) made during the policy period. ... b) refund premium for the unexpired policy period, in respect of policies with term more than 1 year and risk coverage for such policy years has not commenced.","sources":[{"clause":"25(IV)(b)(v)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-micro-insurance-iffpmip23039v012223/document/8692#c-25-iv-b-v"},{"clause":"25(IV)(a)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-micro-insurance-iffpmip23039v012223/document/8692#c-25-iv-a-2"},{"clause":"25(IV)(b)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-micro-insurance-iffpmip23039v012223/document/8692#c-25-iv-b-2"}],"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 geographical scope is worldwide, but claims are settled in India in Indian rupees.","display":"Worldwide; claims settled in India in Indian rupees","note":null,"quote":"The geographical scope of this policy will be worldwide, however the claims shall be settled in India in Indian rupees.","sources":[{"clause":"25(IV)(b)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-micro-insurance-iffpmip23039v012223/document/8692#c-25-iv-b-2"}],"law":[]},{"key":"accidental_death","label":"Accidental death","section":"Cover","meaning":"What is paid if an accident causes death.","status":"quote-verified","value":"Accidental death pays 100% of the Capital Sum Insured. Additional inbuilt benefits include carriage of dead body at 2% of Capital Sum Insured or Rs. 2,500, whichever is lower, and Education Fund at 10% of C.S.I subject to Rs. 5,000 for one child or Rs. 10,000 for more than one child.","display":"Death: 100% of Capital Sum Insured; plus dead body carriage 2% of CSI or Rs. 2,500 lower, and education fund 10% of CSI up to Rs. 5,000/Rs. 10,000","note":null,"quote":"1. Death | 100 ... A. Expenses For Carriage of Dead Body In the event of death of Insured Person outside his/her Home, transportation cost for carriage of dead body to Home including funeral charges is payable. | 2% of Capital Sum Insured or 2,500/- (Two thousand five hundred) whichever is lower. ... D. Education Fund In the event of death, permanent total disablement i.e. 1 to 4 of “Table of Benefits” of Insured Person, we will approve compensation towards Education Fund for dependent children as below: a) For one child upto the age of 23 yrs. b) For more than one children upto the age of 23 yrs. | -10% (Ten percent) of C.S.I Subject to a maximum of Rs. 5000/- -10% (Ten percent) of C.S.I Subject to a maximum of Rs. 10000/-","sources":[{"clause":"25(h)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-micro-insurance-iffpmip23039v012223/document/8692#c-25-h"},{"clause":null,"heading":"SPECIAL INBUILT BENEFITS UNDER THE POLICY IN ADDITION TO CAPITAL SUM INSURED","page":5,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-micro-insurance-iffpmip23039v012223/document/8692#c-special-inbuilt-benefits-under-the-policy-in-add"}],"law":[]},{"key":"permanent_total_disability","label":"Permanent total disability","section":"Cover","meaning":"What is paid for permanent total disability.","status":"quote-verified","value":"Loss of sight in both eyes, loss of two limbs, loss of one limb and one eye, and permanent total and absolute disablement each pay 100% of the Capital Sum Insured.","display":"100% of Capital Sum Insured for loss of both eyes, two limbs, one limb and one eye, or permanent total and absolute disablement","note":null,"quote":"2. a) Loss of sight (both eyes) b) Loss of two limbs c) Loss of one limb and one eye | 100 100 100 ... 4. Permanent Total and absolute disablement | 100","sources":[{"clause":"25(h)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-micro-insurance-iffpmip23039v012223/document/8692#c-25-h"}],"law":[]},{"key":"permanent_partial_disability","label":"Permanent partial disability","section":"Cover","meaning":"The table of payouts for losing a limb, eye, hearing...","status":"quote-verified","value":"Permanent partial disablement payouts include 50% for loss of sight of one eye or loss of one limb; toes all 20%, great toe both phalanges 5%, great toe one phalanx 2%, other toes 1% each; hearing both ears 50%, one ear 15%; speech 50%; four fingers and thumb of one hand 40%; four fingers 35%; thumb both/one phalanx 25%/10%; index finger 10%/8%/4%; middle finger 6%/4%/2%; ring finger 5%/4%/2%; little finger 4%/3%/2%; metacarpals first or second 3%, third, fourth or fifth 2%; any other permanent partial disablement as assessed by Doctor.","display":"PPD table: one eye or one limb 50%; listed toes, hearing, speech, fingers, thumb and metacarpals from 1% to 50%; other PPD as assessed by Doctor","note":null,"quote":"3. a) Loss of sight of one eye b) Loss of one limb | 50 50\n4. Permanent Total and absolute disablement | 100\n5. i) Loss of toes-all ii) Great-both phalanges iii) Great-one phalanx iv) Other than great, if more than one toe lost each | 20 5 2 1\ni) Loss of hearing – both ears ii) Loss of hearing – one ear | 50 15\nc) Loss of Speech | 50\nd) Loss of four fingers and thumb of one hand | 40\ne) Loss of four fingers | 35\nf) Loss of thumb i) Both phalanges ii) One phalanx | 25 10\ng) Loss of index finger i)Three phalanges ii)Two phalanges iii)One phalanx | 10 8 4\nh) Loss of middle finger i) Three phalanges ii) Two phalanges iii) One phalanx | 6 4 2\ni) Loss of ring finger i)Three phalanges ii)Two phalanges | 5 4\nii)One phalanx | 2\nj) Loss of little finger i)Three phalanges ii)Two phalanges iii)One phalanx | 4 3 2\nk) Loss of Metacarpals i) First or second (additional) ii)Third, fourth or fifth (additional) | 3 2\nl) Any other permanent partial disablement | % as assessed by Doctor","sources":[{"clause":"25(h)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-micro-insurance-iffpmip23039v012223/document/8692#c-25-h"}],"law":[]},{"key":"temporary_total_disability","label":"Temporary total disability","section":"Cover","meaning":"Weekly income paid while you cannot work after an accident.","status":"quote-verified","value":"Temporary total disablement is defined as bodily injury preventing the insured from engaging in all types of occupation or employment for up to 104 weeks. The weekly benefit is 1% of C.S.I or Rs.25,000, whichever is lower.","display":"1% of C.S.I or Rs.25,000 per week, whichever is lower, for up to 104 weeks","note":null,"quote":"The bodily injury which as its direct consequence will prevent the Insured Person from engaging in all types of the occupation or any employment whatsoever for a period not exceeding 104 weeks since the date of injury to the time, Insured Person is fit enough to resume duty or engage in any kind of occupation as certified by Medical practitioners. ... 6. Temporary Total disablement benefit at the rate per week | 1% of C.S.I or Rs.25,000 whichever is lower.","sources":[{"clause":"16","heading":"Temporary Total Disablement","page":2,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-micro-insurance-iffpmip23039v012223/document/8692#c-16"},{"clause":"25(h)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-micro-insurance-iffpmip23039v012223/document/8692#c-25-h"}],"law":[]},{"key":"accident_medical","label":"Accident medical expenses","section":"Cover","meaning":"Treatment costs after an accident.","status":"quote-verified","value":"Accident medical expenses are covered only if the Medical Benefit Extension is taken on payment of extra premium. Depending on Benefits Opted, the limit is the least of actual expenses, a percentage of Capital Sum Insured, or a percentage of the admissible PA claim.","display":"Only with Medical Benefit Extension; limits range from actual expenses/10% CSI/25% PA claim to actual expenses/50% CSI/100% PA claim, whichever is less","note":"The Medical Benefit Extension is on payment of extra premium; optional covers are not treated as part of the base cover.","quote":"I. Medical Benefit Extension: A policy can be extended on payment of extra premium to cover medical expenses necessarily incurred by the insured in connection with the injury, provided the claim otherwise is admissible under the policy. The table for loading on premium and benefit limits for Medical extension is mentioned against the respective opted benefits-\nBenefits Opted | Loading for Medical Extension | Limits\nBenefit 1 | 10% | 1. Actual Expenses or 2. 10% of capital sum insured or 3. 25% of the admissible PA claim whichever shall be less.\nBenefit 1 to 4 | 25% | 1. Actual Expenses or 2. 20% of capital sum insured or 3. 50% of the admissible PA claim whichever shall be less.\nBenefit 1 to 5 Benefit 1 to 6 | 50% 100% | 1. Actual Expenses or 2. 35% of capital sum insured or 3. 75% of the admissible PA claim whichever shall be less. 1. Actual Expenses or 2. 50% of capital sum insured or 3. 100% of the admissible PA claim whichever shall be less.\nNote: The Medical benefit under Option 3 and Option 4 will be restricted to the maximum benefit prescribed under Option 2 unless the Insured Person has been hospitalised.","sources":[{"clause":null,"heading":"EXTENSIONS","page":6,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-micro-insurance-iffpmip23039v012223/document/8692#c-extensions"}],"law":[]},{"key":"occupation_classes","label":"Occupation rules","section":"Eligibility","meaning":"Whether your job affects cover or premium.","status":"quote-verified","value":"The policy does not print occupation classes, but it requires the insured to inform the insurer as soon as reasonably possible of any change in duty, business or occupation that may affect the cover and obtain an endorsement.","display":"No occupation class table stated; changes in duty, business or occupation that may affect cover must be reported and endorsed","note":null,"quote":"5. Changes in Circumstances: you must inform us, as soon as reasonably possible of any change in information you have provided to us about Insured person(s) which may affect the Insurance cover provided e.g. duty, business, occupation and obtain from us an endorsement to this effect.","sources":[{"clause":"25(IV)(b)(iii)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-micro-insurance-iffpmip23039v012223/document/8692#c-25-iv-b-iii"}],"law":[]}],"documents":[{"kind":"wording","label":"Individual Personal Accident Policy (Micro Insurance)","pages":15,"fetched_at":"2026-10-17 19:47:04+00","source_url":"https://www.iffcotokio.co.in/content/dam/iffcotokio/policy-wordings/health/individual-personal-accident-policy-policy-wording-micro.pdf","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-micro-insurance-iffpmip23039v012223/document/8692"},{"kind":"prospectus","label":"Individual Personal Accident Policy (Micro Insurance)","pages":10,"fetched_at":"2026-10-17 19:45:24+00","source_url":"https://www.iffcotokio.co.in/content/dam/iffcotokio/prospectus/health/indvidual_personal_accident_sales_literature_micro.pdf","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-micro-insurance-iffpmip23039v012223/document/8649"}],"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":"Individual Personal Accident Policy (Micro Insurance) (UIN IFFPMIP23039V012223), IndiaInsurances, https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-micro-insurance-iffpmip23039v012223"}