{"uin":"IRDAN103RP0002V03201314","name":"IndusInd Commercial Care Policy Retail","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-commercial-care-policy-retail-irdan103rp0002v03201314","insurer":{"slug":"indusind-general-insurance","name":"IndusInd General Insurance Company Limited","url":"https://indiainsurances.com/insurer/indusind-general-insurance"},"line":"general","category":"business","category_name":"Shop and business","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"IndusInd Commercial Care Package Policy - Retail is a business package policy with sections for fire and allied perils, business interruption, machinery breakdown, electronic equipment, burglary, money, baggage, glass and signs, personal accident, employee dishonesty and legal liability. It is not a health indemnity product, so health-specific benefits such as room rent, maternity, OPD and family floater are not applicable.","analysis":{"state":"machine","analysed_at":"2026-10-20 04:49:38.496237+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 policy sections and add-on covers, but do not state named 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 wording refers only to the period stated in the Schedule.","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":"For property loss or damage, notice must be given forthwith and a written claim delivered within 15 days after the loss or damage unless the Company allows more time. For personal accident claims, the Company must be notified immediately; death notice must be before internment / cremation where reasonable and in any case within one calendar month, and loss of sight or amputation notice must be within one calendar month.","display":"Property: notice forthwith and written claim within 15 days. Personal accident: notify immediately; death and loss of sight/amputation within one calendar month.","note":"Different deadlines apply by section and type of claim.","quote":"On the happening of any loss or damage the Insured shall forthwith give notice thereof to the Company and shall within 15 days after the loss or damage, or such further time as the Company may in writing allow in that behalf, deliver to the Company ... In the event of accident or Injury which has resulted in a Claim or may result in a Claim covered under the Policy, the Policyholder/Insured Person / legal heir must notify to the Company either at the call center or in writing immediately. In case of death, written notice of the death must, unless reasonable cause is shown, be so 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 limb(s), written notice thereof must be given within one calendar month after such loss of sight or amputation.","sources":[{"clause":"3(c)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-commercial-care-policy-retail-irdan103rp0002v03201314/document/9915#c-3-c-2"},{"clause":null,"heading":"Claim Procedure","page":14,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-commercial-care-policy-retail-irdan103rp0002v03201314/document/9915#c-claim-procedure"}],"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":["A claim in writing for the loss or damage","Particulars of all other insurances, if any","further particulars, plans, specification books, vouchers, invoices, duplicates or copies thereof, documents, investigation reports (internal/external), proofs and information","Death Certificate (in case of Death Claim)","Disability Certificate (in case of Disability Claim)","Duly completed and signed Claim Form, in original","Medical Practitioner's referral letter advising Hospitalization","Medical Practitioner's prescription advising drugs/ diagnostic tests / consultation","Original bills, receipts and discharge card from the Hospital/Medical Practitioner","First Information Report/ Final Police Report","Post mortem report, if available","Any other document as required by the Company to assess the Claim."],"display":"Written claim, insurance particulars and supporting records; for PA, death/disability certificate, claim form, medical papers, bills, FIR/final police report and post-mortem report if available.","note":"The general property conditions and the personal accident section list different supporting documents.","quote":"A claim in writing for the loss or damage containing in particular an account as may be reasonably practicable ... Particulars of all other insurances, if any. The Insured shall also at all times at his own expense produce, procure and give to the Company all such further particulars, plans, specification books, vouchers, invoices, duplicates or copies thereof, documents, investigation reports (internal/external), proofs and information ... Death Certificate (in case of Death Claim) ... Disability Certificate (in case of Disability Claim) ... Duly completed and signed Claim Form, in original ... Medical Practitioner's referral letter advising Hospitalization ... Medical Practitioner's prescription advising drugs/ diagnostic tests / consultation ... Original bills, receipts and discharge card from the Hospital/Medical Practitioner ... First Information Report/ Final Police Report ... Post mortem report, if available ... Any other document as required by the Company to assess the Claim.","sources":[{"clause":"3(a)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-commercial-care-policy-retail-irdan103rp0002v03201314/document/9915#c-3-a-5"},{"clause":"3(b)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-commercial-care-policy-retail-irdan103rp0002v03201314/document/9915#c-3-b-5"},{"clause":"2(a)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-commercial-care-policy-retail-irdan103rp0002v03201314/document/9915#c-2-a-9"},{"clause":"2(b)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-commercial-care-policy-retail-irdan103rp0002v03201314/document/9915#c-2-b-9"},{"clause":"2(c)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-commercial-care-policy-retail-irdan103rp0002v03201314/document/9915#c-2-c-7"},{"clause":"2(d)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-commercial-care-policy-retail-irdan103rp0002v03201314/document/9915#c-2-d-6"},{"clause":"2(e)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-commercial-care-policy-retail-irdan103rp0002v03201314/document/9915#c-2-e-3"},{"clause":"2(f)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-commercial-care-policy-retail-irdan103rp0002v03201314/document/9915#c-2-f-2"},{"clause":"2(g)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-commercial-care-policy-retail-irdan103rp0002v03201314/document/9915#c-2-g-2"},{"clause":"2(h)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-commercial-care-policy-retail-irdan103rp0002v03201314/document/9915#c-2-h"},{"clause":"2(i)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-commercial-care-policy-retail-irdan103rp0002v03201314/document/9915#c-2-i"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The CIS says the insurer shall decide on the claim within seven days of receipt of the survey report; this does not apply for claims on property/building insured on reinstatement value basis.","display":"Within seven days of receipt of the survey report; not for reinstatement-value property/building claims.","note":"From the Customer Information Sheet.","quote":"Turn Around Time (TAT) for claims settlement - The insurer sh decide on the claim within seven days of receipt of the survey repo This condition will not apply in case of claims on the property/buildin insured on reinstatement value basis.","sources":[{"clause":"Row 5(e)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-commercial-care-policy-retail-irdan103rp0002v03201314/document/9768#c-row-5-e"}],"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":["Terrorism Damage Exclusion Warranty","Loss, destruction or damage caused by war, invasion, act of foreign enemy, hostilities or war like operations","Ionising, radiation or contamination by radioactivity","Loss, destruction or damage caused to the insured property by pollution or contamination","Loss, destruction or damage to bullion or unset precious stones, any curios or works of art for an amount exceeding Rs. 10,000/-","Loss, destruction or damage to the stocks in Cold Storage premises caused by change of temperature.","Loss of earnings, loss by delay, loss of market or other consequential or indirect loss or damage","Loss by theft during or after the occurrence of any insured peril except as provided under Riot, Strike, Malicious and Terrorism Damage cover.","Willful act or gross negligence of the Insured.","Deterioration of or wearing away or wear-out of any item caused by or naturally resulting from normal use of exposure.","Loss due to mysterious disappearance and whilst left in unattended vehicles in respect of cellular phones, portable computers and other mobile equipment.","By burglary and/or housebreaking or theft where any member of the Insured's family is concerned as principal or accessory.","Shortage of money due to error or omission","Damage not reported to Police within 24 hours of discovery of loss and a report obtained.","from intentional self-injury, suicide or attempted suicide"],"display":"Includes terrorism, war, nuclear/radioactivity, pollution, specified valuables, cold-storage temperature change, consequential loss, theft during/after insured peril, willful/gross negligence, wear and tear, mysterious disappearance/unattended vehicles, family involvement in burglary/theft, money shortage due to error/omission, baggage loss not reported to police within 24 hours, and intentional self-injury/suicide.","note":"The policy has separate exclusions by section; this list selects major exclusions across the package.","quote":"Terrorism Damage Exclusion Warranty ... Loss, destruction or damage caused by war, invasion, act of foreign enemy, hostilities or war like operations ... Ionising, radiation or contamination by radioactivity ... Loss, destruction or damage caused to the insured property by pollution or contamination ... Loss, destruction or damage to bullion or unset precious stones, any curios or works of art for an amount exceeding Rs. 10,000/- ... Loss, destruction or damage to the stocks in Cold Storage premises caused by change of temperature. ... Loss of earnings, loss by delay, loss of market or other consequential or indirect loss or damage ... Loss by theft during or after the occurrence of any insured peril except as provided under Riot, Strike, Malicious and Terrorism Damage cover. ... Willful act or gross negligence of the Insured. ... Deterioration of or wearing away or wear-out of any item caused by or naturally resulting from normal use of exposure. ... Loss due to mysterious disappearance and whilst left in unattended vehicles in respect of cellular phones, portable computers and other mobile equipment. ... By burglary and/or housebreaking or theft where any member of the Insured's family is concerned as principal or accessory. ... Shortage of money due to error or omission ... Damage not reported to Police within 24 hours of discovery of loss and a report obtained. ... from intentional self-injury, suicide or attempted suicide","sources":[{"clause":null,"heading":"Terrorism Damage Exclusion Warranty","page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-commercial-care-policy-retail-irdan103rp0002v03201314/document/9915#c-terrorism-damage-exclusion-warranty"},{"clause":"2","heading":null,"page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-commercial-care-policy-retail-irdan103rp0002v03201314/document/9915#c-2"},{"clause":"3","heading":"Loss, destruction or damage, directly or indirectly, caused to the property insured by","page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-commercial-care-policy-retail-irdan103rp0002v03201314/document/9915#c-3"},{"clause":"4","heading":null,"page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-commercial-care-policy-retail-irdan103rp0002v03201314/document/9915#c-4"},{"clause":"5","heading":null,"page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-commercial-care-policy-retail-irdan103rp0002v03201314/document/9915#c-5"},{"clause":"6","heading":null,"page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-commercial-care-policy-retail-irdan103rp0002v03201314/document/9915#c-6"},{"clause":"9","heading":null,"page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-commercial-care-policy-retail-irdan103rp0002v03201314/document/9915#c-9"},{"clause":"11","heading":null,"page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-commercial-care-policy-retail-irdan103rp0002v03201314/document/9915#c-11"},{"clause":"1","heading":null,"page":6,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-commercial-care-policy-retail-irdan103rp0002v03201314/document/9915#c-1-2"},{"clause":"3","heading":null,"page":6,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-commercial-care-policy-retail-irdan103rp0002v03201314/document/9915#c-3-2"},{"clause":"8","heading":null,"page":7,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-commercial-care-policy-retail-irdan103rp0002v03201314/document/9915#c-8-2"},{"clause":"1","heading":null,"page":8,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-commercial-care-policy-retail-irdan103rp0002v03201314/document/9915#c-1-4"},{"clause":"1","heading":"Shortage of money due to error or omission","page":8,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-commercial-care-policy-retail-irdan103rp0002v03201314/document/9915#c-1-5"},{"clause":"2","heading":null,"page":9,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-commercial-care-policy-retail-irdan103rp0002v03201314/document/9915#c-2-7"},{"clause":"Row 5(a)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-commercial-care-policy-retail-irdan103rp0002v03201314/document/9768#c-row-5-a"}],"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, services@indusindinsurance.com, telephone 022 4890 3009 (paid), branch/correspondence address, or post/courier. If not satisfied with the Company's redressal, the policyholder may approach the nearest Insurance Ombudsman.","display":"Complain first to IndusInd General Insurance through website, email, phone or branch/post; 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 ... e-mail | services@indusindinsurance.com ... Telephone | 022 4890 3009 (paid) ... Post/Courier | Any branch office, the correspondence address, during normal business hours ... 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":"3(d)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-commercial-care-policy-retail-irdan103rp0002v03201314/document/9915#c-3-d-2"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["Fire","Lightning","Explosion/Implosion","Aircraft Damage","Riot, Strike and Malicious Damage","Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood and Inundation (STFI)","Earthquake (Fire and Shock)","Business Interruption","Machinery Breakdown","Electronic Equipments/Appliances","Burglary & Housebreaking","Money Insurance","Baggage","Personal Accident","Infidelity/Dishonesty of Employees","Legal Liability"],"display":"Covers fire and allied perils, business interruption, machinery breakdown, electronic equipment, burglary/housebreaking, money, baggage, personal accident, employee dishonesty and legal liability.","note":"The fire section contains multiple named perils; other policy sections are also insured risks.","quote":"I Fire ... II Lightning III Explosion/Implosion ... IV Aircraft Damage ... V Riot, Strike and Malicious Damage ... VI Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood and Inundation (STFI) ... XIII Earthquake (Fire and Shock) ... Section II BUSINESS INTERRUPTION ... Section III MACHINERY BREAKDOWN ... Section IV ELECTRONIC EQUIPMENTS/APPLIANCES ... Section V BURGLARY & HOUSEBREAKING ... Section VI MONEY INSURANCE ... Section VII BAGGAGE ... Section X PERSONAL ACCIDENT ... Section XI INFIDELITY/DISHONESTY OF EMPLOYEES ... Section XII LEGAL LIABILITY","sources":[{"clause":"Section I","heading":"FIRE & ALLIED PERILS","page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-commercial-care-policy-retail-irdan103rp0002v03201314/document/9915#c-section-i"},{"clause":null,"heading":"II Lightning III Explosion/Implosion","page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-commercial-care-policy-retail-irdan103rp0002v03201314/document/9915#c-ii-lightning-iii-explosion-implosion"},{"clause":null,"heading":"IV Aircraft Damage","page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-commercial-care-policy-retail-irdan103rp0002v03201314/document/9915#c-iv-aircraft-damage"},{"clause":null,"heading":"V Riot, Strike and Malicious Damage","page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-commercial-care-policy-retail-irdan103rp0002v03201314/document/9915#c-v-riot-strike-and-malicious-damage"},{"clause":null,"heading":"Terrorism Damage Exclusion Warranty","page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-commercial-care-policy-retail-irdan103rp0002v03201314/document/9915#c-terrorism-damage-exclusion-warranty"},{"clause":null,"heading":"XIII Earthquake (Fire and Shock)","page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-commercial-care-policy-retail-irdan103rp0002v03201314/document/9915#c-xiii-earthquake-fire-and-shock"},{"clause":"Section II","heading":"BUSINESS INTERRUPTION","page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-commercial-care-policy-retail-irdan103rp0002v03201314/document/9915#c-section-ii"},{"clause":"Section III","heading":"MACHINERY BREAKDOWN","page":5,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-commercial-care-policy-retail-irdan103rp0002v03201314/document/9915#c-section-iii"},{"clause":"Section IV","heading":"ELECTRONIC EQUIPMENTS/APPLIANCES","page":6,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-commercial-care-policy-retail-irdan103rp0002v03201314/document/9915#c-section-iv"},{"clause":"Section V","heading":"BURGLARY & HOUSEBREAKING","page":7,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-commercial-care-policy-retail-irdan103rp0002v03201314/document/9915#c-section-v"},{"clause":"Section VI","heading":"MONEY INSURANCE","page":8,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-commercial-care-policy-retail-irdan103rp0002v03201314/document/9915#c-section-vi"},{"clause":"Section VII","heading":"BAGGAGE","page":9,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-commercial-care-policy-retail-irdan103rp0002v03201314/document/9915#c-section-vii"},{"clause":"Section X","heading":"PERSONAL ACCIDENT","page":11,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-commercial-care-policy-retail-irdan103rp0002v03201314/document/9915#c-section-x"},{"clause":"Section XI","heading":"INFIDELITY/DISHONESTY OF EMPLOYEES","page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-commercial-care-policy-retail-irdan103rp0002v03201314/document/9915#c-section-xi"},{"clause":"Section XII","heading":"LEGAL LIABILITY","page":16,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-commercial-care-policy-retail-irdan103rp0002v03201314/document/9915#c-section-xii"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"quote-verified","value":"Deductibles vary by section: Section I has the first 5% of each claim subject to minimum Rs.10,000 for Act of God perils and first Rs.10,000 for other perils; Machinery Breakdown has 1% of sum insured for each item or Rs. 250 whichever is higher; Electronic Equipment has 5% of claim amount with minimums of Rs.2,500 or Rs. 1,000/Rs. 2,500 depending on equipment value; Baggage has Rs 250; Fixed Glass/Sanitary Fittings has 5% of claim amount or Rs 500 whichever is less; Neon/Glow Sign/Hoarding has 10% of claim amount or Rs. 1000 whichever is less; Third Party Legal Liability has 0.5% of limit of indemnity per accident subject to maximum Rs 3,00,000 and minimum Rs 2,000.","display":"Varies by section; examples include Section I 5% minimum Rs.10,000 for Act of God perils, Machinery 1% or Rs. 250, Baggage Rs 250, and Third Party Liability 0.5% subject to Rs 2,000–Rs 3,00,000.","note":"Some sections such as Burglary, Money Insurance and Infidelity/Dishonesty of Employees are stated in the CIS as deductible/excess as per the policy schedule.","quote":"The first 5% of each and every claim subject to a minimum of Rs.10,000/- in respect of each and every loss arising out of \"Act of God\" perils ... The first Rs.10,000 for each and every loss arising out of other perils ... Coverage under this Section is subject to an excess of 1 % of the sum insured for each item or Rs. 250/- whichever is higher ... In case of personal computers, 5% of the claim amount subject to a minimum of Rs.2,500/-. ... with individual value upto Rs. 1 lakh, 5% of the claim amount subject to a minimum of Rs. 1,000/-. ... with individual value exceeding Rs. 1 lakh, 5% of the claim amount subject to a minimum of Rs. 2,500/-. ... Coverage under this Section is subject to an excess of Rs 250/- ... Coverage under this Section is subject to an excess of 5% of the claim amount or Rs 500/- whichever is less ... Coverage under this Section is subject to an excess of 10% of the claim amount or Rs. 1000/- whichever is less ... subject to an excess of 0.5 % of the limit of indemnity per any one accident, subject to a maximum of Rs 3,00,000/- and a minimum of Rs 2,000/-","sources":[{"clause":null,"heading":"Special Exclusions","page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-commercial-care-policy-retail-irdan103rp0002v03201314/document/9915#c-special-exclusions"},{"clause":null,"heading":"Excess","page":5,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-commercial-care-policy-retail-irdan103rp0002v03201314/document/9915#c-excess"},{"clause":null,"heading":"Excess","page":7,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-commercial-care-policy-retail-irdan103rp0002v03201314/document/9915#c-excess-2"},{"clause":null,"heading":"Excess","page":9,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-commercial-care-policy-retail-irdan103rp0002v03201314/document/9915#c-excess-3"},{"clause":null,"heading":"Excess","page":10,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-commercial-care-policy-retail-irdan103rp0002v03201314/document/9915#c-excess-4"},{"clause":null,"heading":"Excess","page":11,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-commercial-care-policy-retail-irdan103rp0002v03201314/document/9915#c-excess-5"},{"clause":null,"heading":"Excess","page":17,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-commercial-care-policy-retail-irdan103rp0002v03201314/document/9915#c-excess-6"}],"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":"If the insured cancels, the Company retains premium at short-period rates for the time the policy has been in force. If the Company cancels, it gives 15 days' notice and repays a rateable proportion of premium for the unexpired term from the cancellation date.","display":"You cancel: insurer retains short-period premium; insurer cancels: 15 days' notice and pro-rata refund for unexpired term.","note":"The short-period table in the wording shows retained premium from 10% for 15 days to full annual premium after 9 months.","quote":"This insurance may be terminated at any time at the request of the Insured, in which case the Company will retain the premium at the short period rate as per All India Fire Tariff ( Table given herebelow) for the time the policy has been in force. This insurance may also at any time be terminated at the option of the Company, on 15 days' notice to that effect being given to the Insured, in which case the Company shall be liable to repay on demand a rateable proportion of the premium for the unexpired term from the date of the cancellation.","sources":[{"clause":"3(c)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-commercial-care-policy-retail-irdan103rp0002v03201314/document/9915#c-3-c-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":"Territory varies by cover. Third-party legal liability is for compensation anywhere in India; legal liability to employees applies to employment with the insured's business in India; portable computers under electronic equipment are covered anywhere in the world as accompanied baggage.","display":"Varies: third-party liability anywhere in India; employee liability in India; portable computers anywhere in the world as accompanied baggage.","note":"Property covers are tied to the business premises or schedule; those schedule locations are not printed in these documents.","quote":"arising out of and in the course of employment with the Insured's business in India as described in the Schedule. ... This Sub-section covers Insured's legal liability ... to pay compensation including claimant's costs, fees and expenses anywhere in India, in accordance with Indian Law. ... Portable Computers mentioned in the Schedule, belonging to the Insured and in the personal custody of the Insured's principal officers or employees when carried anywhere in the world as accompanied baggage.","sources":[{"clause":null,"heading":"What is Covered","page":16,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-commercial-care-policy-retail-irdan103rp0002v03201314/document/9915#c-what-is-covered-6"},{"clause":null,"heading":"What is Covered","page":17,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-commercial-care-policy-retail-irdan103rp0002v03201314/document/9915#c-what-is-covered-7"},{"clause":"Section IV(b)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-commercial-care-policy-retail-irdan103rp0002v03201314/document/9915#c-section-iv-b"}],"law":[]},{"key":"property_covered","label":"Property covered","section":"Cover","meaning":"Building, stock, plant, machinery, contents.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"business_interruption","label":"Business interruption","section":"Cover","meaning":"Loss of profit while the business cannot run.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"sum_insured_basis","label":"Sum insured basis","section":"Cover","meaning":"How the cover amount is set: market value, reinstatement value, agreed value, IDV.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"under_insurance","label":"Under-insurance (average) clause","section":"Limits and co-pay","meaning":"If the sum insured is less than the real value, claims are cut in proportion.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Commercial Care Package Policy PW Retail","pages":23,"fetched_at":"2026-10-17 19:54:07+00","source_url":"https://www.indusindinsurance.com/downloads/commercial-care-package-policy-pw-retail","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-commercial-care-policy-retail-irdan103rp0002v03201314/document/9915"},{"kind":"cis","label":"IndusInd Commercial Care Policy Retail","pages":17,"fetched_at":"2026-10-17 19:48:59+00","source_url":"https://www.indusindinsurance.com/downloads/indusind-commercial-care-policy-retail","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-commercial-care-policy-retail-irdan103rp0002v03201314/document/9768"}],"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 Commercial Care Policy Retail (UIN IRDAN103RP0002V03201314), IndiaInsurances, https://indiainsurances.com/policy/indusind-general-insurance/indusind-commercial-care-policy-retail-irdan103rp0002v03201314"}