{"uin":"IRDAN103CP0050V01201920","name":"IndusInd Student Care Insurance Policy","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-student-care-insurance-policy-irdan103cp0050v01201920","insurer":{"slug":"indusind-general-insurance","name":"IndusInd General Insurance Company Limited","url":"https://indiainsurances.com/insurer/indusind-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 student personal accident package with sponsor protection, accidental hospitalisation, compassionate visit and all risk cover for study items in India. It excludes treatment outside India and allows cancellation by the insured with short-period refunds only when no claim has been reported or settled.","analysis":{"state":"machine","analysed_at":"2026-10-20 04:50:18.852332+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"The wording refers to the type of plan selected and mentioned in the Schedule, but does not name the plan variants.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"The policy is annual.","display":"Annual","note":null,"quote":"This clause shall not in any way alter the annual character of the insurance nor the right of the Company to decline to renew or to cancel this Policy.","sources":[{"clause":null,"heading":"Percentage of Sum Insured","page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-student-care-insurance-policy-irdan103cp0050v01201920/document/9837#c-percentage-of-sum-insured"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"For hospitalisation, notice to the Company is required immediately and prior to availing treatment, and in any case within 7 days. For other loss or accidental bodily injury claims, immediate or prompt written notice is required and details must be furnished within fourteen (14) days; notice of death must be given forthwith.","display":"Hospitalisation: immediately/prior to treatment and within 7 days; other loss or accidental bodily injury: immediate/prompt notice and within fourteen (14) days; death: forthwith","note":null,"quote":"This information also needs to be provided to the Company immediately and prior to availing treatment and in any case within 7 days. ... Give immediate notice thereof to the Company and shall within fourteen (14) days thereafter furnish to the Company at his own expense detailed particulars of the amount of the loss or damage together with such explanations and evidence to substantiate the claim as the Company may reasonably require. ... prompt written notice thereof shall be given to the Company as soon as possible but in any event within fourteen days of the date of injury. If the Insured / Insured Person or the Sponsor shall die, notice of death shall be given by the nominees / legal representative(s) forthwith.","sources":[{"clause":null,"heading":"1. Claim Notification","page":7,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-student-care-insurance-policy-irdan103cp0050v01201920/document/9837#c-1-claim-notification"},{"clause":"10(b)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-student-care-insurance-policy-irdan103cp0050v01201920/document/9837#c-10-b"},{"clause":"10(c)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-student-care-insurance-policy-irdan103cp0050v01201920/document/9837#c-10-c"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Duly filled claim form(s)","Original bills, receipts and discharge/ card from the Hospital /Nursing Home / Medical Practitioner","Original bills from chemists supported by proper prescription","Original Investigation test reports and payment receipts","Medical Practitioner's referral letter advising hospitalisation","Original bills and receipts for claiming Ambulance charges","Original bills, receipts and Medical Practitioner’s prescription for claiming benefits under external mobility aids and appliances.","FIR from police authorities wherever necessary (in case of accidents outside residence)","Death Certificate from the Municipal Authorities","Post Mortem Report","Medical Certificate from the attending Medical Practitioner for the injury indicating the extent of disability","Hospital Medical Records"],"display":"Claim form, original bills and receipts, discharge card, prescriptions, investigation reports, referral letter, ambulance bills, FIR where necessary, death certificate, post mortem report, disability medical certificate and hospital records","note":null,"quote":"• Duly filled claim form(s)\n• Original bills, receipts and discharge/ card from the Hospital /Nursing Home / Medical Practitioner\n• Original bills from chemists supported by proper prescription\n• Original Investigation test reports and payment receipts\n• Medical Practitioner's referral letter advising hospitalisation\n• Original bills and receipts for claiming Ambulance charges\n• Original bills, receipts and Medical Practitioner’s prescription for claiming benefits under external mobility aids and appliances. ... a) FIR from police authorities wherever necessary (in case of accidents outside residence) ... b) Death Certificate from the Municipal Authorities ... c) Post Mortem Report In case of Personal Accident Disability claims ... b) Medical Certificate from the attending Medical Practitioner for the injury indicating the extent of disability ... c) Hospital Medical Records","sources":[{"clause":null,"heading":"3. Claim Processing","page":7,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-student-care-insurance-policy-irdan103cp0050v01201920/document/9837#c-3-claim-processing"},{"clause":"10(a)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-student-care-insurance-policy-irdan103cp0050v01201920/document/9837#c-10-a-2"},{"clause":"10(b)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-student-care-insurance-policy-irdan103cp0050v01201920/document/9837#c-10-b-2"},{"clause":"10(c)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-student-care-insurance-policy-irdan103cp0050v01201920/document/9837#c-10-c-2"},{"clause":"10(b)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-student-care-insurance-policy-irdan103cp0050v01201920/document/9837#c-10-b-3"},{"clause":"10(c)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-student-care-insurance-policy-irdan103cp0050v01201920/document/9837#c-10-c-3"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"not-stated","value":null,"display":null,"note":"The wording says the Third Party Administrator will process the claim and make payments, but does not state a time limit for deciding or paying the claim.","quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Any existing physical defect, disablement/ injury.","intentional self-injury, suicide or attempted suicide","whilst under the influence of liquor or drugs or other intoxicants","directly or indirectly, caused by venereal disease, AIDS or insanity","whilst engaging in racing, hunting, mountaineering, ice hockey, winter sports.","due to war or nuclear perils.","Pre-existing injury / condition - All injuries, condition which are pre existing when the cover incepts for the first time.","Any hospitalisation expenses for treatment of any diseases / illness.","Any treatment received outside India.","Willful act or gross negligence of the Insured/ Insured Person","Loss due to mysterious disappearance.","Loss whilst left in unattended vehicles."],"display":"Existing physical defect/disablement/injury; intentional self-injury or suicide; intoxicants; venereal disease, AIDS or insanity; racing and winter sports; war or nuclear perils; pre-existing injury/condition; diseases/illness hospitalisation; treatment outside India; willful act or gross negligence; mysterious disappearance; unattended vehicles","note":null,"quote":"2. Any existing physical defect, disablement/ injury. ... a) from intentional self-injury, suicide or attempted suicide, ... c) whilst under the influence of liquor or drugs or other intoxicants ... e) directly or indirectly, caused by venereal disease, AIDS or insanity, ... g) whilst engaging in racing, hunting, mountaineering, ice hockey, winter sports. ... h) due to war or nuclear perils. ... 1. Pre-existing injury / condition - All injuries, condition which are pre existing when the cover incepts for the first time. ... 2. Any hospitalisation expenses for treatment of any diseases / illness. ... 19. Any treatment received outside India. ... a) Willful act or gross negligence of the Insured/ Insured Person ... j) Loss due to mysterious disappearance. ... k) Loss whilst left in unattended vehicles.","sources":[{"clause":null,"heading":"Exclusions","page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-student-care-insurance-policy-irdan103cp0050v01201920/document/9837#c-exclusions"},{"clause":null,"heading":"Exclusions","page":6,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-student-care-insurance-policy-irdan103cp0050v01201920/document/9837#c-exclusions-3"},{"clause":"Section V(a)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-student-care-insurance-policy-irdan103cp0050v01201920/document/9837#c-section-v-a-2"},{"clause":"Section V(j)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-student-care-insurance-policy-irdan103cp0050v01201920/document/9837#c-section-v-j"},{"clause":"Section V(k)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-student-care-insurance-policy-irdan103cp0050v01201920/document/9837#c-section-v-k"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact the Company through its website, e-mail, telephone, post/courier or correspondence address. If not satisfied with the Company's redressal, the policyholder may approach the nearest Insurance Ombudsman.","display":"Contact the Company first: website www.indusindinsurance.com, e-mail services@indusindinsurance.com, telephone 022 4890 3009 (paid), branch/correspondence address; then Insurance Ombudsman if not satisfied","note":null,"quote":"If the Policyholder has a grievance that the Policyholder wishes the Company to redress, the Policyholder may contact the Company with the details of his grievance through:\nWebsite | www.indusindinsurance.com\ne-mail | services@indusindinsurance.com\nTelephone | 022 4890 3009 (paid)\nPost/Courier | Any branch office, the correspondence address, during normal business hours\nWrite to us at (Correspondence Only) | IndusInd General Insurance, 6th Floor, Oberoi Commerz, International Business Park, Oberoi Garden City, Off. Western Express Highway, Goregaon (E), Mumbai - 400063 ... If the Policyholder is not satisfied with the Company's redressal of the Policyholder's grievance through one of the above methods, the Policyholder may approach the nearest Insurance Ombudsman for resolution of the grievance.","sources":[{"clause":null,"heading":"GRIEVANCE","page":12,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-student-care-insurance-policy-irdan103cp0050v01201920/document/9837#c-grievance"}],"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":["bodily injury, solely and directly, caused by accidental, violent, external and visible means resulting in permanent or partial disablement or death","Protection of sponsorship of the Insured / Insured Person in the event of permanent total disability or death of the sponsor","hospitalisation and / or other related expenses","reimbursement of return train fare to the Insured / Insured Person to visit his/her parents / sponsor","all risk cover throughout India in respect of text books, laptop or desktop computers belonging to the Insured / Insured Person"],"display":"Personal accident death or disablement; sponsor protection; accidental hospitalisation expenses; compassionate visit return train fare; all risk cover for text books, laptop or desktop computers and personal effects in India","note":null,"quote":"This Section provides for compensation towards bodily injury, solely and directly, caused by accidental, violent, external and visible means resulting in permanent or partial disablement or death ... Protection of sponsorship of the Insured / Insured Person in the event of permanent total disability or death of the sponsor of the Insured / Insured Person. ... to incur hospitalisation and / or other related expenses ... This Section provides for reimbursement of return train fare to the Insured / Insured Person to visit his/her parents / sponsor ... This Section provides all risk cover throughout India in respect of text books, laptop or desktop computers belonging to the Insured / Insured Person and utilized for studies and also for his/her personal effects such as uniform and clothing.","sources":[{"clause":"Section I","heading":"PERSONAL ACCIDENT","page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-student-care-insurance-policy-irdan103cp0050v01201920/document/9837#c-section-i"},{"clause":"1","heading":null,"page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-student-care-insurance-policy-irdan103cp0050v01201920/document/9837#c-1"},{"clause":"Section III","heading":"HOSPITALISATION ARISING OUT OF ACCIDENTAL INJURY","page":5,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-student-care-insurance-policy-irdan103cp0050v01201920/document/9837#c-section-iii"},{"clause":"Section IV","heading":"COMPASSIONATE VISIT","page":8,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-student-care-insurance-policy-irdan103cp0050v01201920/document/9837#c-section-iv"},{"clause":"Section V","heading":"ALL RISK COVER","page":8,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-student-care-insurance-policy-irdan103cp0050v01201920/document/9837#c-section-v"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"quote-verified","value":"The All Risk Cover has a deductible excess of 1% of the claim amount, subject to a maximum of Rs. 2500/- for each claim.","display":"All Risk Cover: 1% of claim amount, maximum Rs. 2500/- for each claim","note":"This deductible is stated only for Section V All Risk Cover.","quote":"Coverage under this Section is subject to a deductible excess of 1% of the claim amount, subject to a maximum of Rs. 2500/- for each claim.","sources":[{"clause":"Section V","heading":"ALL RISK COVER","page":8,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-student-care-insurance-policy-irdan103cp0050v01201920/document/9837#c-section-v"}],"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 insured may give 7 days notice in writing for cancellation. The Company retains premium for the period on risk at short period scales, and refund is allowed only when no claim has been reported or settled: up to 1 month 75% of annual rate, up to 3 months 50%, up to 6 months 25%, and exceeding sixmonths Nil.","display":"7 days notice; refund only if no claim reported/settled; up to 1 month 75%, up to 3 months 50%, up to 6 months 25%, exceeding sixmonths Nil","note":null,"quote":"The Insured / Insured Person may also give 7 days notice in writing, to the Company, for the cancellation of this Policy, in which case the Company shall from the date of receipt of notice cancel the Policy and retain the premium for the period this Policy has been in force at the Company's short period scales. In any case, refund under the Policy following cancellation is allowed only when there is no claim reported / settled under the Policy. ... Up to 1 month | 75% of annual rate ... Up to 3 months | 50% of annual rate ... Up to 6 months | 25% of annual rate ... Exceeding sixmonths | Nil","sources":[{"clause":"15","heading":"Cancellation/ termination","page":11,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-student-care-insurance-policy-irdan103cp0050v01201920/document/9837#c-15"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"All Risk Cover applies throughout India, and the hospitalisation exclusions exclude any treatment received outside India. The wording does not state a single territory for every section.","display":"All Risk Cover throughout India; treatment outside India excluded","note":"No single overall territorial limit is stated for all sections.","quote":"This Section provides all risk cover throughout India in respect of text books, laptop or desktop computers belonging to the Insured / Insured Person and utilized for studies and also for his/her personal effects such as uniform and clothing. ... 19. Any treatment received outside India.","sources":[{"clause":"Section V","heading":"ALL RISK COVER","page":8,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-student-care-insurance-policy-irdan103cp0050v01201920/document/9837#c-section-v"},{"clause":null,"heading":"Exclusions","page":6,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-student-care-insurance-policy-irdan103cp0050v01201920/document/9837#c-exclusions-3"}],"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":"IndusInd Student Care Insurance Policy","pages":15,"fetched_at":"2026-10-17 19:51:21+00","source_url":"https://www.indusindinsurance.com/downloads/indusind-student-care-insurance-policy","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-student-care-insurance-policy-irdan103cp0050v01201920/document/9837"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"IndusInd General Insurance official website","url":"https://www.indusindinsurance.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Car insurance claim","url":"https://www.indusindinsurance.com/car-insurance-claim","note":null},{"purpose":"claim","kind":"insurer","name":"Health insurance claims","url":"https://www.indusindinsurance.com/health-insurance-claims","note":null},{"purpose":"claim","kind":"insurer","name":"Travel insurance claim","url":"https://www.indusindinsurance.com/travel-insurance-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.indusindinsurance.com/about-us/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 car insurance","url":"https://www.indusindinsurance.com/car-insurance/renew-car-insurance","note":null},{"purpose":"renew","kind":"insurer","name":"Renew health insurance","url":"https://www.indusindinsurance.com/health-insurance/health-insurance-renewal","note":null}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"IndusInd Student Care Insurance Policy (UIN IRDAN103CP0050V01201920), IndiaInsurances, https://indiainsurances.com/policy/indusind-general-insurance/indusind-student-care-insurance-policy-irdan103cp0050v01201920"}