{"uin":"IRDAN103RP0004V01200708","name":"Clinic Protect Retail","url":"https://indiainsurances.com/policy/indusind-general-insurance/clinic-protect-retail-irdan103rp0004v01200708","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":"Clinic Protect Retail is a business package that indemnifies the insured for property loss or damage, injury and liability from insured perils. It includes fire and allied perils, business interruption, machinery breakdown, electronics, burglary, money, baggage, glass/sign, personal accident, infidelity, legal liability and professional indemnity covers.","analysis":{"state":"machine","analysed_at":"2026-10-20 05:28:10.373649+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 names sections and covers, but does not name plan variants.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The wording points to the period stated in the Schedule, but the schedule period is not provided.","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 loss or damage, the insured must give notice forthwith and deliver a written claim within 15 days after the loss or damage, unless the company allows further time in writing. PA claims must be notified immediately; death notice must be before internment/cremation unless reasonable cause is shown and in any case within one calendar month, and loss of sight or amputation notice within one calendar month. Professional liability claims must be notified in writing as soon as reasonably practicable.","display":"Forthwith for loss/damage and written claim within 15 days; PA immediately, with death/loss of sight/amputation within one calendar month; professional liability as soon as reasonably practicable.","note":null,"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. ... The Insured shall give written notice to the Company as soon as reasonably practicable of any claims made against the Insured","sources":[{"clause":null,"heading":"Table of Short Period Scales","page":21,"url":"https://indiainsurances.com/policy/indusind-general-insurance/clinic-protect-retail-irdan103rp0004v01200708/document/9901#c-table-of-short-period-scales"},{"clause":null,"heading":"Policy holders's/ Insured Person's duty at the time of claim","page":14,"url":"https://indiainsurances.com/policy/indusind-general-insurance/clinic-protect-retail-irdan103rp0004v01200708/document/9901#c-policy-holders-s-insured-person-s-duty-at-the-ti"},{"clause":"10","heading":"Conditions applicable to this Section","page":19,"url":"https://indiainsurances.com/policy/indusind-general-insurance/clinic-protect-retail-irdan103rp0004v01200708/document/9901#c-10-2"}],"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","an account as may be reasonably practicable of all the several articles or items or property damaged or destroyed","Particulars of all other insurances, if any","particulars, plans, specification books, vouchers, invoices, duplicates or copies thereof, documents, investigation reports (internal/ external), proofs and information","a declaration on oath or in other legal form","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 Hospitalisation","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"],"display":"Written claim, details of damaged property and other insurance, supporting records and proofs; PA claims also require death/disability certificate, claim form, medical papers, bills, FIR/final police report and post mortem report if available.","note":"The PA section also permits the company to ask for any other document required to assess the claim.","quote":"A claim in writing for the loss or damage containing in particular an account as may be reasonably practicable of all the several articles or items or property damaged or destroyed ... 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 ... together with a declaration on oath or in other legal form ... a) Death Certificate (in case of Death Claim)\nb) Disability Certificate (in case of Disability Claim)\nc) Duly completed and signed Claim Form, in original\nd) Medical Practitioner's referral letter advising Hospitalisation\ne) Medical Practitioner's prescription advising drugs/ diagnostic tests / consultation\nf) Original bills, receipts and discharge card from the Hospital/Medical Practitioner\ng) First Information Report/ Final Police Report\nh) Post mortem report, if available","sources":[{"clause":"10(a)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/indusind-general-insurance/clinic-protect-retail-irdan103rp0004v01200708/document/9901#c-10-a"},{"clause":"10(b)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/indusind-general-insurance/clinic-protect-retail-irdan103rp0004v01200708/document/9901#c-10-b"},{"clause":"4","heading":"Claim Documents","page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/clinic-protect-retail-irdan103rp0004v01200708/document/9901#c-4-9"}],"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 interest applies for delay beyond the period specified by IRDA, but does not print the claim settlement period.","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":["Loss, destruction or damage caused by war, invasion, act of foreign enemy, hostilities or war like operations","Ionising, radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel.","Loss of earnings, loss by delay, loss of market or other consequential or indirect loss or damage of any kind or description whatsoever.","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.","Faults existing at the time of commencement of this insurance and known to the Insured","Damage due to or consequent upon wear and tear, gradual deterioration, atmospheric or climatic conditions, rust, corrosion, moth, vermin or insect.","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.","intentional self-injury, suicide or attempted suicide","Any criminal act or any act committed in violation of any law or ordinance."],"display":"War, nuclear/radioactivity, consequential loss, theft after insured peril except specified cover, willful act/gross negligence, known faults, wear and tear, family-involved burglary/theft, money shortage by error/omission, baggage loss not reported to police within 24 hours, self-injury/suicide, and criminal or illegal acts.","note":null,"quote":"Loss, destruction or damage caused by war, invasion, act of foreign enemy, hostilities or war like operations ... Ionising, radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. ... Loss of earnings, loss by delay, loss of market or other consequential or indirect loss or damage of any kind or description whatsoever. ... 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. ... Faults existing at the time of commencement of this insurance and known to the Insured ... Damage due to or consequent upon wear and tear, gradual deterioration, atmospheric or climatic conditions, rust, corrosion, moth, vermin or insect. ... 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. ... intentional self-injury, suicide or attempted suicide ... Any criminal act or any act committed in violation of any law or ordinance.","sources":[{"clause":"3","heading":"Special Exclusions","page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/clinic-protect-retail-irdan103rp0004v01200708/document/9901#c-3"},{"clause":"9","heading":null,"page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/clinic-protect-retail-irdan103rp0004v01200708/document/9901#c-9"},{"clause":"11","heading":null,"page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/clinic-protect-retail-irdan103rp0004v01200708/document/9901#c-11"},{"clause":"5","heading":"Special Exclusions","page":6,"url":"https://indiainsurances.com/policy/indusind-general-insurance/clinic-protect-retail-irdan103rp0004v01200708/document/9901#c-5-2"},{"clause":"4","heading":"Special Exclusions","page":7,"url":"https://indiainsurances.com/policy/indusind-general-insurance/clinic-protect-retail-irdan103rp0004v01200708/document/9901#c-4-3"},{"clause":"5","heading":"Special Exclusions","page":8,"url":"https://indiainsurances.com/policy/indusind-general-insurance/clinic-protect-retail-irdan103rp0004v01200708/document/9901#c-5-4"},{"clause":"5","heading":"Special Exclusions","page":9,"url":"https://indiainsurances.com/policy/indusind-general-insurance/clinic-protect-retail-irdan103rp0004v01200708/document/9901#c-5-5"},{"clause":"5","heading":"Special Exclusions","page":9,"url":"https://indiainsurances.com/policy/indusind-general-insurance/clinic-protect-retail-irdan103rp0004v01200708/document/9901#c-5-6"},{"clause":null,"heading":"Special Exclusions","page":14,"url":"https://indiainsurances.com/policy/indusind-general-insurance/clinic-protect-retail-irdan103rp0004v01200708/document/9901#c-special-exclusions"},{"clause":"9","heading":"Exclusions under this Section","page":19,"url":"https://indiainsurances.com/policy/indusind-general-insurance/clinic-protect-retail-irdan103rp0004v01200708/document/9901#c-9-2"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact the Company with grievance details through its website, e-mail, telephone, post/courier or correspondence address. If not satisfied with the Company's redressal through those methods, the policyholder may approach the nearest Insurance Ombudsman.","display":"Complain first to the Company by website, e-mail, telephone, post/courier or written correspondence; if not satisfied, approach the nearest Insurance Ombudsman.","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\nWebsite | www.indusindinsurance.com\ne-mail | services@indusindinsurance.com\ne-mail | services@indusindinsurance.com\nTelephone | 022 4890 3009 (paid)\nTelephone | 022 4890 3009 (paid)\nPost/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":"10(d)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/indusind-general-insurance/clinic-protect-retail-irdan103rp0004v01200708/document/9901#c-10-d"}],"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)","Impact Damage","Subsidence and Landslide including Rockslide","Bursting and/or overflowing of Water Tanks, Apparatus and Pipes","Missile Testing Operations","Leakage from Automatic Sprinkler Installations","Bush Fire","Earthquake (Fire and Shock)","BUSINESS INTERRUPTION","MACHINERY BREAKDOWN","ELECTRONICS EQUIPMENTS/APPLIANCES","BURGLARY & HOUSEBREAKING","MONEY INSURANCE","BAGGAGE","FIXED GLASS AND SANITARY FITTINGS","NEON SIGN/GLOW SIGN/HOARDING","PERSONAL ACCIDENT","INFIDELITY/DISHONESTY OF EMPLOYEES","LEGAL LIABILITY"],"display":"Fire and allied perils, business interruption, machinery breakdown, electronics, burglary/housebreaking, money, baggage, fixed glass and sanitary fittings, neon/glow sign/hoarding, personal accident, employee infidelity/dishonesty and legal liability.","note":"Several covers are subject to section-specific exclusions and only apply if the relevant section/item is included in the schedule.","quote":"due to 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) ... VII Impact Damage ... VIII Subsidence and Landslide including Rockslide ... IX Bursting and/or overflowing of Water Tanks, Apparatus and Pipes\nX Missile Testing Operations XI Leakage from Automatic Sprinkler Installations ... XII Bush Fire ... XIII Earthquake (Fire and Shock) ... BUSINESS INTERRUPTION ... MACHINERY BREAKDOWN ... ELECTRONICS EQUIPMENTS/APPLIANCES ... BURGLARY & HOUSEBREAKING ... MONEY INSURANCE ... BAGGAGE ... FIXED GLASS AND SANITARY FITTINGS ... NEON SIGN/GLOW SIGN/HOARDING ... PERSONAL ACCIDENT ... INFIDELITY/DISHONESTY OF EMPLOYEES ... LEGAL LIABILITY","sources":[{"clause":"2","heading":"What is Covered","page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/clinic-protect-retail-irdan103rp0004v01200708/document/9901#c-2"},{"clause":null,"heading":"II Lightning","page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/clinic-protect-retail-irdan103rp0004v01200708/document/9901#c-ii-lightning"},{"clause":null,"heading":"IV Aircraft Damage","page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/clinic-protect-retail-irdan103rp0004v01200708/document/9901#c-iv-aircraft-damage"},{"clause":null,"heading":"V Riot, Strike and Malicious Damage","page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/clinic-protect-retail-irdan103rp0004v01200708/document/9901#c-v-riot-strike-and-malicious-damage"},{"clause":"2(d)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/clinic-protect-retail-irdan103rp0004v01200708/document/9901#c-2-d"},{"clause":null,"heading":"VII Impact Damage","page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/clinic-protect-retail-irdan103rp0004v01200708/document/9901#c-vii-impact-damage"},{"clause":null,"heading":"VIII Subsidence and Landslide including Rockslide","page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/clinic-protect-retail-irdan103rp0004v01200708/document/9901#c-viii-subsidence-and-landslide-including-rockslid"},{"clause":null,"heading":"IX Bursting and/or overflowing of Water Tanks, Apparatus and Pipes","page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/clinic-protect-retail-irdan103rp0004v01200708/document/9901#c-ix-bursting-and-or-overflowing-of-water-tanks-ap"},{"clause":"2(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/clinic-protect-retail-irdan103rp0004v01200708/document/9901#c-2-c-3"},{"clause":null,"heading":"XIII Earthquake (Fire and Shock)","page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/clinic-protect-retail-irdan103rp0004v01200708/document/9901#c-xiii-earthquake-fire-and-shock"},{"clause":"Section II","heading":"BUSINESS INTERRUPTION","page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/clinic-protect-retail-irdan103rp0004v01200708/document/9901#c-section-ii"},{"clause":"Section III","heading":"MACHINERY BREAKDOWN","page":5,"url":"https://indiainsurances.com/policy/indusind-general-insurance/clinic-protect-retail-irdan103rp0004v01200708/document/9901#c-section-iii"},{"clause":"Section IV","heading":"ELECTRONICS EQUIPMENTS/APPLIANCES","page":6,"url":"https://indiainsurances.com/policy/indusind-general-insurance/clinic-protect-retail-irdan103rp0004v01200708/document/9901#c-section-iv"},{"clause":"Section V","heading":"BURGLARY & HOUSEBREAKING","page":8,"url":"https://indiainsurances.com/policy/indusind-general-insurance/clinic-protect-retail-irdan103rp0004v01200708/document/9901#c-section-v"},{"clause":"Section VI","heading":"MONEY INSURANCE","page":8,"url":"https://indiainsurances.com/policy/indusind-general-insurance/clinic-protect-retail-irdan103rp0004v01200708/document/9901#c-section-vi"},{"clause":"Section VII","heading":"BAGGAGE","page":9,"url":"https://indiainsurances.com/policy/indusind-general-insurance/clinic-protect-retail-irdan103rp0004v01200708/document/9901#c-section-vii"},{"clause":"Section VIII","heading":"FIXED GLASS AND SANITARY FITTINGS","page":10,"url":"https://indiainsurances.com/policy/indusind-general-insurance/clinic-protect-retail-irdan103rp0004v01200708/document/9901#c-section-viii"},{"clause":"Section IX","heading":"NEON SIGN/GLOW SIGN/HOARDING","page":10,"url":"https://indiainsurances.com/policy/indusind-general-insurance/clinic-protect-retail-irdan103rp0004v01200708/document/9901#c-section-ix"},{"clause":"Section X","heading":"PERSONAL ACCIDENT","page":11,"url":"https://indiainsurances.com/policy/indusind-general-insurance/clinic-protect-retail-irdan103rp0004v01200708/document/9901#c-section-x"},{"clause":"Section XI","heading":"INFIDELITY/DISHONESTY OF EMPLOYEES","page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/clinic-protect-retail-irdan103rp0004v01200708/document/9901#c-section-xi"},{"clause":"Section XII","heading":"LEGAL LIABILITY","page":16,"url":"https://indiainsurances.com/policy/indusind-general-insurance/clinic-protect-retail-irdan103rp0004v01200708/document/9901#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":"Deductible/excess varies by section. Fire and allied perils: the first 5% of each Act of God claim subject to minimum ` 10,000/-, and first ` 10,000 for other covered perils. Machinery breakdown: 1 % of sum insured for each item or ` 250/- whichever is higher. Electronics: 5% of claim amount subject to minimum ` 2,500/- for personal computers; for other equipment, 5% subject to minimum ` 1,000/- up to ` 1 lakh and ` 2,500/- above ` 1 lakh. Baggage: `250/-. Fixed glass and sanitary fittings: 5% of claim amount or ` 500/- whichever is less. Neon/glow sign/hoarding: 10 % of claim amount or `1000/- whichever is less. Third-party legal liability: 0.5 % of the limit of indemnity per accident, maximum ` 3,00,000/- and minimum ` 2,000/. Professional indemnity: 0.25 % of indemnity limit, minimum ` 1000/- and maximum ` 1Lac; voluntary excess applies if opted.","display":"Varies by section: Fire 5% min ` 10,000/- for Act of God and ` 10,000 for other perils; Machinery 1 % or ` 250/-; Electronics 5% with stated minimums; Baggage `250/-; Glass 5% or ` 500/-; Signs 10 % or `1000/-; liability sections have 0.5 % or 0.25 % excesses.","note":null,"quote":"The first 5% of each and every claim subject to a minimum of ` 10,000/- in respect of each and every loss arising out of \"Act of God\" perils ... The first ` 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 ` 250/- whichever is higher ... In case of personal computers, 5% of the claim amount subject to a minimum of ` 2,500/-. ... with individual value upto ` 1 lakh, 5% of the claim amount subject to a minimum of ` 1,000/-. In case of equipments (other than personal computers) with individual value exceeding ` 1 lakh, 5% of the claim amount subject to a minimum of ` 2,500/-. ... Coverage under this Section is subject to an excess of `250/- ... Coverage under this Section is subject to an excess of 5% of the claim amount or ` 500/- whichever is less ... Coverage under this Section is subject to an excess of 10 % of the claim amount or `1000/- whichever is less ... The cover under this Sub-section is subject to an excess of 0.5 % of the limit of indemnity per any one accident, subject to a maximum of ` 3,00,000/- and a minimum of ` 2,000/. ... The Insured shall bear for each and every claim a compulsory Excess of 0.25 % of the Indemnity limit shown in the schedule subject to a minimum of ` 1000/- and maximum of ` 1Lac. ... This voluntary excess shall be applicable to each and every claim.","sources":[{"clause":"3","heading":"Special Exclusions","page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/clinic-protect-retail-irdan103rp0004v01200708/document/9901#c-3"},{"clause":"4","heading":"Excess","page":6,"url":"https://indiainsurances.com/policy/indusind-general-insurance/clinic-protect-retail-irdan103rp0004v01200708/document/9901#c-4-2"},{"clause":"5(a)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/indusind-general-insurance/clinic-protect-retail-irdan103rp0004v01200708/document/9901#c-5-a"},{"clause":"5(b)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/indusind-general-insurance/clinic-protect-retail-irdan103rp0004v01200708/document/9901#c-5-b"},{"clause":"4","heading":"Excess","page":9,"url":"https://indiainsurances.com/policy/indusind-general-insurance/clinic-protect-retail-irdan103rp0004v01200708/document/9901#c-4-6"},{"clause":"6","heading":"Excess","page":10,"url":"https://indiainsurances.com/policy/indusind-general-insurance/clinic-protect-retail-irdan103rp0004v01200708/document/9901#c-6-2"},{"clause":"5","heading":"Excess","page":11,"url":"https://indiainsurances.com/policy/indusind-general-insurance/clinic-protect-retail-irdan103rp0004v01200708/document/9901#c-5-8"},{"clause":null,"heading":"3. Excess","page":17,"url":"https://indiainsurances.com/policy/indusind-general-insurance/clinic-protect-retail-irdan103rp0004v01200708/document/9901#c-3-excess"},{"clause":"7","heading":"Compulsory Excess","page":18,"url":"https://indiainsurances.com/policy/indusind-general-insurance/clinic-protect-retail-irdan103rp0004v01200708/document/9901#c-7-2"},{"clause":"8","heading":"Voluntary Excess","page":19,"url":"https://indiainsurances.com/policy/indusind-general-insurance/clinic-protect-retail-irdan103rp0004v01200708/document/9901#c-8-2"}],"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 terminates the insurance, the company retains premium at the short period rate as per All India Fire Tariff. The table retains 10% for up to 15 days, 15% for 1 Month, 30% for 2 Months, 40% for 3 Months, 50% for 4 Months, 60% for 5 Months, 70% for 6 Months, 75% for 7 Months, 80% for 8 Months, 85% for 9 Months and full annual premium for exceeding 9 Months.","display":"Refund is after short-period retention: 15 days 10%, 1 Month 15%, 2 Months 30%, 3 Months 40%, 4 Months 50%, 5 Months 60%, 6 Months 70%, 7 Months 75%, 8 Months 80%, 9 Months 85%, exceeding 9 Months full annual premium.","note":"The professional liability section also states insured cancellation by thirty days' notice, short period retention if there is no claim, and no refund if there is any claim under the policy.","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. ... 15 days | 10%\n15 days | 10%\n1 Month | 15%\n1 Month | 15%\n2 Months | 30%\n2 Months | 30%\n3 Months | 40%\n3 Months | 40%\n4 Months | 50%\n4 Months | 50%\n5 Months | 60%\n5 Months | 60%\n6 Months | 70%\n6 Months | 70%\n7 Months | 75%\n7 Months | 75%\n8 Months | 80%\n8 Months | 80%\n9 Months | 85%\n9 Months | 85%\nExceeding 9 Months | Full Annual Premium","sources":[{"clause":"10(ii)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/indusind-general-insurance/clinic-protect-retail-irdan103rp0004v01200708/document/9901#c-10-ii"},{"clause":null,"heading":"Table of Short Period Scales","page":21,"url":"https://indiainsurances.com/policy/indusind-general-insurance/clinic-protect-retail-irdan103rp0004v01200708/document/9901#c-table-of-short-period-scales"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"The wording does not state one overall geographic territory for every section. Specific clauses state that portable computers are covered anywhere in the world as accompanied baggage, employee liability is for business in India, third-party liability is anywhere in India in accordance with Indian Law, and liability claims require the cause of action to arise in India and liability to be established in an Indian Court.","display":"No single overall territory stated; portable computers are covered anywhere in the world, while legal liability covers are India/Indian Law based.","note":null,"quote":"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. ... accidental death or injury sustained during the currency of this policy arising out of and in the course of employment with the Insured's business in India as described in the Schedule. ... to pay compensation including claimant's costs, fees and expenses anywhere in India, in accordance with Indian Law. ... No claim shall be payable under this policy unless the cause of action arises in India and the liability to pay claim is established against the insured in an Indian Court.","sources":[{"clause":"1(b)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/indusind-general-insurance/clinic-protect-retail-irdan103rp0004v01200708/document/9901#c-1-b"},{"clause":"2","heading":"What is Covered","page":16,"url":"https://indiainsurances.com/policy/indusind-general-insurance/clinic-protect-retail-irdan103rp0004v01200708/document/9901#c-2-12"},{"clause":null,"heading":"2. What is Covered","page":17,"url":"https://indiainsurances.com/policy/indusind-general-insurance/clinic-protect-retail-irdan103rp0004v01200708/document/9901#c-2-what-is-covered"},{"clause":"10","heading":"Conditions applicable to this Section","page":19,"url":"https://indiainsurances.com/policy/indusind-general-insurance/clinic-protect-retail-irdan103rp0004v01200708/document/9901#c-10-2"}],"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":"Clinic Protect PW Retail","pages":25,"fetched_at":"2026-10-17 19:53:43+00","source_url":"https://www.indusindinsurance.com/downloads/clinic-protect-pw-retail","url":"https://indiainsurances.com/policy/indusind-general-insurance/clinic-protect-retail-irdan103rp0004v01200708/document/9901"}],"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":"Clinic Protect Retail (UIN IRDAN103RP0004V01200708), IndiaInsurances, https://indiainsurances.com/policy/indusind-general-insurance/clinic-protect-retail-irdan103rp0004v01200708"}