{"uin":"IRDAN103RP0013V03201516","name":"Industry Care policy","url":"https://indiainsurances.com/policy/indusind-general-insurance/industry-care-policy-irdan103rp0013v03201516","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":"Main product","kind":"product","status":"active","approved_on":"2021-05-03","withdrawn_on":null,"summary":"Industry Care Policy is a business package covering fire and allied perils, business interruption, machinery breakdown, electronic equipment, burglary, money, goods in transit, personal accident, employee dishonesty and legal liability. It has section-wise deductibles and property loss must be notified forthwith with a written claim within 15 days.","analysis":{"state":"machine","analysed_at":"2026-10-20 01:59:09.163604+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 list policy sections and add-on covers, but do not name plan variants.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The policy refers to the period stated in the Schedule, but no fixed policy term is printed in the provided documents.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"For property loss or damage, give notice forthwith and deliver a written claim within 15 days after the loss or damage, unless the Company allows more time in writing. Personal accident claims must be notified immediately; death, loss of sight or amputation notices are subject to the one calendar month wording.","display":"Property: forthwith notice and written claim within 15 days; PA: immediately, with death/loss notices within one calendar month","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 ... 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":null,"heading":"Table of Short Period Scales","page":16,"url":"https://indiainsurances.com/policy/indusind-general-insurance/industry-care-policy-irdan103rp0013v03201516/document/9908#c-table-of-short-period-scales"},{"clause":null,"heading":"Policy holders's/ Insured Person's duty at the time of claim","page":12,"url":"https://indiainsurances.com/policy/indusind-general-insurance/industry-care-policy-irdan103rp0013v03201516/document/9908#c-policy-holders-s-insured-person-s-duty-at-the-ti"}],"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, other insurance particulars, supporting records and bills; PA documents include death/disability certificate, claim form, medical papers, original bills, FIR/final police report and post mortem report if available","note":null,"quote":"A claim in writing for the loss or damage ... 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 ... 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 Hospitalization\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\ni) Any other document as required by the Company to assess the Claim.","sources":[{"clause":"3(a)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/indusind-general-insurance/industry-care-policy-irdan103rp0013v03201516/document/9908#c-3-a-6"},{"clause":"3(b)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/indusind-general-insurance/industry-care-policy-irdan103rp0013v03201516/document/9908#c-3-b-6"},{"clause":"4","heading":"Claim Documents","page":13,"url":"https://indiainsurances.com/policy/indusind-general-insurance/industry-care-policy-irdan103rp0013v03201516/document/9908#c-4-7"}],"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 to claims on property/building insured on reinstatement value basis.","display":"Decide within seven days of receipt of the survey report, except reinstatement value property/building claims","note":"This timing is stated in the Customer Information Sheet; the policy wording only states interest is payable for delay beyond the period specified by IRDA.","quote":"Turn Around Time (TAT) for claims settlement - The insurer shall decide on the claim within seven days of receipt of the survey report. This condition will not apply in case of claims on the property/building insured on reinstatement value basis.","sources":[{"clause":"Section I","heading":"Amt. In","page":12,"url":"https://indiainsurances.com/policy/indusind-general-insurance/industry-care-policy-irdan103rp0013v03201516/document/9764#c-section-i"}],"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","Loss, destruction or damage caused to the insured property by pollution or contamination","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","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","from intentional self-injury, suicide or attempted suicide","Pollution howsoever caused","Any product"],"display":"War and hostile acts; nuclear/radioactivity; pollution or contamination; consequential loss; theft during/after insured peril; wear and tear; burglary involving family; money shortage by error or omission; intentional self-injury/suicide; third-party liability pollution and product claims","note":"Exclusions vary by section; this list combines major exclusions across property, machinery/electronics, burglary, money, personal accident and liability sections.","quote":"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 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. ... 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 ... from intentional self-injury, suicide or attempted suicide ... Pollution howsoever caused ... Any product.","sources":[{"clause":"2","heading":null,"page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/industry-care-policy-irdan103rp0013v03201516/document/9908#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/industry-care-policy-irdan103rp0013v03201516/document/9908#c-3"},{"clause":"4","heading":null,"page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/industry-care-policy-irdan103rp0013v03201516/document/9908#c-4"},{"clause":"9","heading":null,"page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/industry-care-policy-irdan103rp0013v03201516/document/9908#c-9"},{"clause":"11","heading":null,"page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/industry-care-policy-irdan103rp0013v03201516/document/9908#c-11"},{"clause":"7","heading":null,"page":7,"url":"https://indiainsurances.com/policy/indusind-general-insurance/industry-care-policy-irdan103rp0013v03201516/document/9908#c-7-3"},{"clause":"1","heading":null,"page":8,"url":"https://indiainsurances.com/policy/indusind-general-insurance/industry-care-policy-irdan103rp0013v03201516/document/9908#c-1-4"},{"clause":"1","heading":"Shortage of money due to error or omission","page":8,"url":"https://indiainsurances.com/policy/indusind-general-insurance/industry-care-policy-irdan103rp0013v03201516/document/9908#c-1-5"},{"clause":null,"heading":"Special Exclusions","page":12,"url":"https://indiainsurances.com/policy/indusind-general-insurance/industry-care-policy-irdan103rp0013v03201516/document/9908#c-special-exclusions-6"},{"clause":"3(a)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/industry-care-policy-irdan103rp0013v03201516/document/9908#c-3-a-3"},{"clause":"3(b)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/industry-care-policy-irdan103rp0013v03201516/document/9908#c-3-b-3"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact the Company with grievance details through its website, email, telephone or branch/correspondence address. If not satisfied with the Company's redressal through those methods, the policyholder may approach the nearest Insurance Ombudsman.","display":"Complain to the Company first by website, email, telephone or post/branch; 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":17,"url":"https://indiainsurances.com/policy/indusind-general-insurance/industry-care-policy-irdan103rp0013v03201516/document/9908#c-3-d-3"}],"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","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 from damage by Section I perils","Machinery breakdown","Electronic equipment loss or damage","Burglary and/or housebreaking","Money loss due to accident or misfortune","Goods in transit","Personal accident","Infidelity/dishonesty of employees","Legal liability to employees and third parties"],"display":"Fire and allied perils, business interruption, machinery breakdown, electronics equipment, burglary, money, goods in transit, personal accident, employee dishonesty and legal liability","note":null,"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) ... destroyed or damaged by the perils covered under Section I of this policy ... unforeseen and sudden physical damage caused by and/or solely due to electrical and/or mechanical breakdown ... loss or damage to electronic installations ... loss or damage to contents, by burglary and/or housebreaking. ... loss of money relating to Insured's business due to accident or misfortune ... loss or damage to the Insured's cargo ... sustain any injury resulting from an accident ... Direct pecuniary loss due to dishonest acts/infidelity of employees ... legal liability to employees ... legal liability ... to pay compensation including claimant's costs, fees and expenses anywhere in India","sources":[{"clause":null,"heading":"What is Covered","page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/industry-care-policy-irdan103rp0013v03201516/document/9908#c-what-is-covered"},{"clause":null,"heading":"II Lightning","page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/industry-care-policy-irdan103rp0013v03201516/document/9908#c-ii-lightning"},{"clause":null,"heading":"IV Aircraft Damage","page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/industry-care-policy-irdan103rp0013v03201516/document/9908#c-iv-aircraft-damage"},{"clause":null,"heading":"V Riot, Strike and Malicious Damage","page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/industry-care-policy-irdan103rp0013v03201516/document/9908#c-v-riot-strike-and-malicious-damage"},{"clause":null,"heading":"Terrorism Damage Exclusion Warranty","page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/industry-care-policy-irdan103rp0013v03201516/document/9908#c-terrorism-damage-exclusion-warranty"},{"clause":null,"heading":"VII Impact Damage","page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/industry-care-policy-irdan103rp0013v03201516/document/9908#c-vii-impact-damage"},{"clause":null,"heading":"VIII Subsidence and Landslide including Rockslide","page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/industry-care-policy-irdan103rp0013v03201516/document/9908#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/industry-care-policy-irdan103rp0013v03201516/document/9908#c-ix-bursting-and-or-overflowing-of-water-tanks-ap"},{"clause":null,"heading":"XIII Earthquake (Fire and Shock)","page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/industry-care-policy-irdan103rp0013v03201516/document/9908#c-xiii-earthquake-fire-and-shock"},{"clause":"Section II","heading":"BUSINESS INTERRUPTION","page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/industry-care-policy-irdan103rp0013v03201516/document/9908#c-section-ii"},{"clause":"Section III","heading":"MACHINERY BREAKDOWN","page":5,"url":"https://indiainsurances.com/policy/indusind-general-insurance/industry-care-policy-irdan103rp0013v03201516/document/9908#c-section-iii"},{"clause":"Section IV","heading":"ELECTRONICS EQUIPMENTS/APPLIANCES","page":6,"url":"https://indiainsurances.com/policy/indusind-general-insurance/industry-care-policy-irdan103rp0013v03201516/document/9908#c-section-iv"},{"clause":"Section V(a)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/indusind-general-insurance/industry-care-policy-irdan103rp0013v03201516/document/9908#c-section-v-a-2"},{"clause":null,"heading":"What is Covered","page":8,"url":"https://indiainsurances.com/policy/indusind-general-insurance/industry-care-policy-irdan103rp0013v03201516/document/9908#c-what-is-covered-3"},{"clause":"Section VII","heading":"GOODS IN TRANSIT","page":8,"url":"https://indiainsurances.com/policy/indusind-general-insurance/industry-care-policy-irdan103rp0013v03201516/document/9908#c-section-vii"},{"clause":"Section VIII","heading":"PERSONAL ACCIDENT","page":9,"url":"https://indiainsurances.com/policy/indusind-general-insurance/industry-care-policy-irdan103rp0013v03201516/document/9908#c-section-viii"},{"clause":null,"heading":"What is Covered","page":13,"url":"https://indiainsurances.com/policy/indusind-general-insurance/industry-care-policy-irdan103rp0013v03201516/document/9908#c-what-is-covered-4"},{"clause":null,"heading":"What is Covered","page":14,"url":"https://indiainsurances.com/policy/indusind-general-insurance/industry-care-policy-irdan103rp0013v03201516/document/9908#c-what-is-covered-5"},{"clause":null,"heading":"What is Covered","page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/industry-care-policy-irdan103rp0013v03201516/document/9908#c-what-is-covered-6"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"quote-verified","value":"Section-wise excesses apply. Fire/allied perils: 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: 1% of sum insured for each item or Rs. 250, whichever is higher; electronics: 5% with minimums by equipment type; third-party legal liability: 0.5% of limit of indemnity per accident subject to maximum Rs 3,00,000 and minimum Rs 2,000.","display":"Section-wise excess: Fire 5% min Rs. 10,000 for Act of God and Rs. 10,000 for other perils; machinery 1% of SI or Rs. 250; electronics 5% with minimums; liability 0.5% min Rs 2,000 max Rs 3,00,000","note":"CIS also says some sections are as per policy schedule; terrorism claims follow the Sabotage and Terrorism Damage Cover Endorsement wording.","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 ... 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/-. ... equipments (other than personal computers) ... 5% of the claim amount subject to a minimum of ` 1,000/- ... 5% of the claim amount subject to a minimum of ` 2,500/-. ... 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/industry-care-policy-irdan103rp0013v03201516/document/9908#c-special-exclusions"},{"clause":null,"heading":"Excess","page":5,"url":"https://indiainsurances.com/policy/indusind-general-insurance/industry-care-policy-irdan103rp0013v03201516/document/9908#c-excess"},{"clause":null,"heading":"Excess","page":7,"url":"https://indiainsurances.com/policy/indusind-general-insurance/industry-care-policy-irdan103rp0013v03201516/document/9908#c-excess-2"},{"clause":null,"heading":"Excess","page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/industry-care-policy-irdan103rp0013v03201516/document/9908#c-excess-3"}],"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 the printed table. If the Company terminates it, it gives 15 days' notice and repays a rateable proportion of premium for the unexpired term from the cancellation date.","display":"You cancel: short-period rates retained; insurer cancels: 15 days' notice and pro-rata refund for unexpired term","note":null,"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 here below) 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":16,"url":"https://indiainsurances.com/policy/indusind-general-insurance/industry-care-policy-irdan103rp0013v03201516/document/9908#c-3-c-3"}],"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 differs by section: legal liability to employees applies to employment with the insured's business in India; third-party liability compensation is anywhere in India; portable computers are covered anywhere in the world as accompanied baggage. Goods in transit includes inland transit, imports and exports.","display":"Varies by section: India for liability; portable computers anywhere in the world as accompanied baggage; goods transit includes inland, imports and exports","note":"Property sections otherwise refer to the insured business premises or Schedule.","quote":"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. ... 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. ... in transit (Inland transit – inward and outward, imports and exports)","sources":[{"clause":null,"heading":"What is Covered","page":14,"url":"https://indiainsurances.com/policy/indusind-general-insurance/industry-care-policy-irdan103rp0013v03201516/document/9908#c-what-is-covered-5"},{"clause":null,"heading":"What is Covered","page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/industry-care-policy-irdan103rp0013v03201516/document/9908#c-what-is-covered-6"},{"clause":"Section IV(b)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/indusind-general-insurance/industry-care-policy-irdan103rp0013v03201516/document/9908#c-section-iv-b"},{"clause":"Section VII","heading":"GOODS IN TRANSIT","page":8,"url":"https://indiainsurances.com/policy/indusind-general-insurance/industry-care-policy-irdan103rp0013v03201516/document/9908#c-section-vii"}],"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":"Industry Care PW Laghu","pages":33,"fetched_at":"2026-10-17 19:52:40+00","source_url":"https://www.indusindinsurance.com/downloads/industry-care-pw-laghu","url":"https://indiainsurances.com/policy/indusind-general-insurance/industry-care-policy-irdan103rp0013v03201516/document/9871"},{"kind":"wording","label":"IndusInd Sookshma Business YourChoice Policy","pages":16,"fetched_at":"2026-10-17 19:53:09+00","source_url":"https://www.indusindinsurance.com/downloads/rsyc-policy-wording","url":"https://indiainsurances.com/policy/indusind-general-insurance/industry-care-policy-irdan103rp0013v03201516/document/9883"},{"kind":"wording","label":"Industry Care PW Retail","pages":21,"fetched_at":"2026-10-17 19:54:00+00","source_url":"https://www.indusindinsurance.com/downloads/industry-care-pw-retail","url":"https://indiainsurances.com/policy/indusind-general-insurance/industry-care-policy-irdan103rp0013v03201516/document/9908"},{"kind":"wording","label":"Industry Care PW Sookshma","pages":34,"fetched_at":"2026-10-17 19:53:59+00","source_url":"https://www.indusindinsurance.com/downloads/industry-care-pw-sookshma","url":"https://indiainsurances.com/policy/indusind-general-insurance/industry-care-policy-irdan103rp0013v03201516/document/9909"},{"kind":"wording","label":"Industry Care policy (IRDAI copy)","pages":28,"fetched_at":"2026-10-20 00:22:16+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN103RP0013V04201516_GEN4450.pdf/f15dd333-c3fe-918c-fd45-67c4544bb10d?version=1.1&t=1668842879898&download=true","url":"https://indiainsurances.com/policy/indusind-general-insurance/industry-care-policy-irdan103rp0013v03201516/document/23307"},{"kind":"cis","label":"IndusInd Industry Care Policy Sookshma Policy","pages":13,"fetched_at":"2026-10-17 19:47:50+00","source_url":"https://www.indusindinsurance.com/downloads/indusind-industry-care-policy-sookshma-policy","url":"https://indiainsurances.com/policy/indusind-general-insurance/industry-care-policy-irdan103rp0013v03201516/document/9729"},{"kind":"cis","label":"Industry Care policy","pages":14,"fetched_at":"2026-10-17 19:48:51+00","source_url":"https://www.indusindinsurance.com/downloads/indusind-industry-care-insurance-policy-retail","url":"https://indiainsurances.com/policy/indusind-general-insurance/industry-care-policy-irdan103rp0013v03201516/document/9764"},{"kind":"brochure","label":"Industry Care policy","pages":8,"fetched_at":"2026-10-17 19:45:07+00","source_url":"https://www.indusindinsurance.com/downloads/indusind-industry-care-brochure","url":"https://indiainsurances.com/policy/indusind-general-insurance/industry-care-policy-irdan103rp0013v03201516/document/9637"}],"versions":[{"uin":"IRDAN103RP0013V04201516","version":null,"approved_on":null},{"uin":"IRDAN103CP0002V01202122","version":null,"approved_on":null},{"uin":"IRDAN103RP0013V03201516","version":null,"approved_on":null}],"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":"Industry Care policy (UIN IRDAN103RP0013V03201516), IndiaInsurances, https://indiainsurances.com/policy/indusind-general-insurance/industry-care-policy-irdan103rp0013v03201516"}