{"uin":"IRDAN103RP0023V01100001","name":"Aviation Loss of License Insurance","url":"https://indiainsurances.com/policy/indusind-general-insurance/aviation-loss-of-license-insurance-irdan103rp0023v01100001","insurer":{"slug":"indusind-general-insurance","name":"IndusInd General Insurance Company Limited","url":"https://indiainsurances.com/insurer/indusind-general-insurance"},"line":"general","category":"other-general","category_name":"Other general insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Aviation Loss of Licence Insurance covers an insured licence holder worldwide if bodily injury or illness results in incapacity causing permanent or temporary total disablement. The product has Commercial and Retail wordings, and no compensation is payable for the first fifty days of incapacity for temporary disablement.","analysis":{"state":"machine","analysed_at":"2026-10-20 04:49:24.702581+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":"quote-verified","value":["Commercial","Retail"],"display":"Commercial; Retail","note":"The Commercial and Retail wordings state the same extracted benefits and conditions.","quote":"LOSS OF LICENCE INSURANCE – COMMERCIAL ... LOSS OF LICENCE INSURANCE – RETAIL","sources":[{"clause":null,"heading":"LOSS OF LICENCE INSURANCE – COMMERCIAL","page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/aviation-loss-of-license-insurance-irdan103rp0023v01100001/document/9789#c-loss-of-licence-insurance-commercial"},{"clause":null,"heading":"LOSS OF LICENCE INSURANCE – RETAIL","page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/aviation-loss-of-license-insurance-irdan103rp0023v01100001/document/9877#c-loss-of-licence-insurance-retail"}],"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 Loss of Licence wording refers to the period of insurance as stated in the Schedule and to annual premium, but does not state a fixed policy term.","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":"Immediate notice in writing must be sent to the nearest office of the Company. If notice is not received within three calendar months of injury, first appearance of disease or disability, or commencement of illness, a fair and reasonable explanation for delay is required; no claim is admitted unless due notice is sent within six calendar months of policy expiry.","display":"Immediate written notice; delay beyond three calendar months needs a fair and reasonable explanation; no claim if due notice is not sent within six calendar months of policy expiry.","note":null,"quote":"Immediate notice in writing must be sent to the nearest office of the Company, of any personal injury, illness, disease or disability including natural deterioration of the Insured Person for which compensation might become payable under the insurance ... When a notice is not received within three calendar months after the occurrence of the personal injury or of the first appearance of the disease or disability including natural deterioration or of the date of commencement of the illness a fair and reasonable explanation for the delay must be given; otherwise the claim will not be admitted. ... Furthermore unless within six calendar months of the date of expiry of this policy due notice in writing has been sent to the Company of any personal injury, illness, diseases, or disability including natural deterioration for which compensation might become payable, no claim will be admitted hereunder.","sources":[{"clause":"2(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/aviation-loss-of-license-insurance-irdan103rp0023v01100001/document/9789#c-2-b"}],"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":["demand or claim on the Company in writing","the duly cancelled Flying Licence","“Letter Of Undertaking” as per standard draft wording of the Company"],"display":"Written demand or claim; for permanent total disability due to cancellation of Flying Licence, the duly cancelled Flying Licence and a “Letter Of Undertaking”.","note":"The cancelled Flying Licence and undertaking are stated for settlement of a claim for permanent total disability due to cancellation of the Flying Licence by the Competent Authority.","quote":"only if the Insured Person makes a demand or claim on the Company in writing within 12 (twelve) months of the occurrence of any event giving rise to a claim hereunder. ... Surrender to the Company the duly cancelled Flying Licence, which will become the property of the Company. ... Submit to the Company a “Letter Of Undertaking” as per standard draft wording of the Company, to the effect that in the event of reinstatement of his licence, the Insured Person will inform the same to the Company and the entire amount of claim received by the claimant will be refunded back to the Company.","sources":[{"clause":null,"heading":"CONDITIONS","page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/aviation-loss-of-license-insurance-irdan103rp0023v01100001/document/9789#c-conditions"},{"clause":"2(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/aviation-loss-of-license-insurance-irdan103rp0023v01100001/document/9789#c-2-a-2"},{"clause":"2(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/aviation-loss-of-license-insurance-irdan103rp0023v01100001/document/9789#c-2-b-2"}],"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":"No claim decision or payment time from intimation or last document is stated.","quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Any personal injury, illness, disease or disability including natural deterioration existing prior to the inception of this insurance, except where such personal injury, illness, disease or disability including natural deterioration has been declared in writing to the Company and accepted by them without any additional exclusion(s).","War, whether declared or not, including any enforcement action by or on behalf of the United Nations.","The Insured Person taking part in riots or civil commotions.","Intentional self-injury, suicide or attempted suicide (whether felonious or not) provoked assault, duelling,","Fighting(except in bonafide self defence) or venereal disease.","Deliberate exposure of the Insured Person to exceptional danger","Riding or driving in any kind of a race.","Chronic alcoholism or the habitual taking of drugs.","The death of the Insured Person.","Ionising radiation or contamination by radioactivity from any nuclear fuel"],"display":"Pre-existing injury, illness, disease or disability unless declared and accepted; war; riots or civil commotions; self-injury or suicide; fighting or venereal disease; deliberate exposure to exceptional danger; race riding or driving; chronic alcoholism or drugs; death; nuclear radiation.","note":null,"quote":"This Policy does not cover incapacity resulting directly or indirectly from:Any personal injury, illness, disease or disability including natural deterioration existing prior to the inception of this insurance, except where such personal injury, illness, disease or disability including natural deterioration has been declared in writing to the Company and accepted by them without any additional exclusion(s). ... i) War, whether declared or not, including any enforcement action by or on behalf of the United Nations. ... ii) The Insured Person taking part in riots or civil commotions. ... iii) Intentional self-injury, suicide or attempted suicide (whether felonious or not) provoked assault, duelling, ... iv) Fighting(except in bonafide self defence) or venereal disease. ... v) Deliberate exposure of the Insured Person to exceptional danger (except in an attempt to save human life or ... xiii) Riding or driving in any kind of a race. ... xiv) Chronic alcoholism or the habitual taking of drugs. ... xv) The death of the Insured Person. ... xvi) a) Ionising radiation or contamination by radioactivity from any nuclear fuel or from or any nuclear waste or","sources":[{"clause":null,"heading":"EXCEPTIONS","page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/aviation-loss-of-license-insurance-irdan103rp0023v01100001/document/9789#c-exceptions"},{"clause":"2(i)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/aviation-loss-of-license-insurance-irdan103rp0023v01100001/document/9789#c-2-i"},{"clause":"2(ii)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/aviation-loss-of-license-insurance-irdan103rp0023v01100001/document/9789#c-2-ii"},{"clause":"2(iii)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/aviation-loss-of-license-insurance-irdan103rp0023v01100001/document/9789#c-2-iii"},{"clause":"2(iv)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/aviation-loss-of-license-insurance-irdan103rp0023v01100001/document/9789#c-2-iv"},{"clause":"2(v)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/aviation-loss-of-license-insurance-irdan103rp0023v01100001/document/9789#c-2-v"},{"clause":"2(xiii)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/aviation-loss-of-license-insurance-irdan103rp0023v01100001/document/9789#c-2-xiii"},{"clause":"2(xiv)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/aviation-loss-of-license-insurance-irdan103rp0023v01100001/document/9789#c-2-xiv"},{"clause":"2(xv)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/aviation-loss-of-license-insurance-irdan103rp0023v01100001/document/9789#c-2-xv"},{"clause":"2(xvi)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/aviation-loss-of-license-insurance-irdan103rp0023v01100001/document/9789#c-2-xvi"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["bodily injury whatsoever or suffering any illness whatsoever","permanent total disablement","Temporary total disablement","legal and/or other costs incurred with the consent of the insurance company up to an amount of Rs. 10,000"],"display":"Bodily injury or illness resulting in incapacity causing permanent total disablement or temporary total disablement; legal and/or other costs up to Rs. 10,000 with the insurer’s consent.","note":null,"quote":"suffering any bodily injury whatsoever or suffering any illness whatsoever resulting at any time whether during or after the period of insurance (but not beyond a period of one year after the expiry of this insurance)resulting in, in his incapacity ... In the case of the incapacity causing permanent total disablement otherwise than that due to directly or indirectly to Psychosis psychoneurosis or epilepsy ... In the case of the incapacity causing Temporary total disablement otherwise than that due directly or indirectly to psychosis psychoneurosis or epilepsy ... legal and/or other costs incurred with the consent of the insurance company up to an amount (or its equivalent in the currency in which the policy issued) of Rs. 10,000.","sources":[{"clause":null,"heading":"ANNEXURE ATTACHED TO THE FORMING PART OF POLICY No.XXXXXXXXXXXXXX","page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/aviation-loss-of-license-insurance-irdan103rp0023v01100001/document/9789#c-annexure-attached-to-the-forming-part-of-policy"},{"clause":null,"heading":"COMPENSATION","page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/aviation-loss-of-license-insurance-irdan103rp0023v01100001/document/9789#c-compensation"},{"clause":"2","heading":null,"page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/aviation-loss-of-license-insurance-irdan103rp0023v01100001/document/9789#c-2"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"quote-verified","value":"No compensation is payable for the first fifty days of incapacity for temporary disablement, whether consecutively or in the aggregate in any one year of insurance.","display":"First fifty days of incapacity for temporary disablement.","note":"Applies to temporary disablement.","quote":"No compensation shall be payable in respect of the first fifty days of the incapacity for temporary disablement consecutively or in the aggregate in any one year of insurance.","sources":[{"clause":"2","heading":null,"page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/aviation-loss-of-license-insurance-irdan103rp0023v01100001/document/9789#c-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":"not-stated","value":null,"display":null,"note":"The Loss of Licence wording and CIS do not state a refund for cancellation by the insured during the year.","quote":null,"sources":[],"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":"This insurance applies while the insured person is anywhere in the world.","display":"Anywhere in the world.","note":null,"quote":"This insurance shall apply whilst the Insured Person is anywhere in the world.","sources":[{"clause":null,"heading":"CONDITIONS","page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/aviation-loss-of-license-insurance-irdan103rp0023v01100001/document/9789#c-conditions"}],"law":[]},{"key":"subject_covered","label":"What is insured","section":"Cover","meaning":"The thing or risk this policy covers.","status":"quote-verified","value":"The policy insures a person who holds the required Licence and Certificate for the stated occupation, for incapacity caused by bodily injury or illness resulting in permanent total disablement or temporary total disablement.","display":"Licence-holder’s incapacity from bodily injury or illness causing permanent total disablement or temporary total disablement.","note":null,"quote":"the Insured Person whose occupation is as stated in the Schedule hereto and who on the commencing day of this insurance is the holder of a Licence and Certificate of validity which said Licence and Certificate, the Insured Person is required by law to hold in connection with his occupation ... suffering any bodily injury whatsoever or suffering any illness whatsoever ... Incapacity Any in Capacity causing permanent total disablement or temporary total disablement of the Person insured.","sources":[{"clause":null,"heading":"ANNEXURE ATTACHED TO THE FORMING PART OF POLICY No.XXXXXXXXXXXXXX","page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/aviation-loss-of-license-insurance-irdan103rp0023v01100001/document/9789#c-annexure-attached-to-the-forming-part-of-policy"},{"clause":"2","heading":null,"page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/aviation-loss-of-license-insurance-irdan103rp0023v01100001/document/9789#c-2"}],"law":[]}],"documents":[{"kind":"wording","label":"Aviation Personal Accident (Crew Members) Policy Wording - Commercial","pages":7,"fetched_at":"2026-10-17 19:49:31+00","source_url":"https://www.indusindinsurance.com/downloads/aviation-personal-accident-crew-members-policy-wording-commercial","url":"https://indiainsurances.com/policy/indusind-general-insurance/aviation-loss-of-license-insurance-irdan103rp0023v01100001/document/9786"},{"kind":"wording","label":"Aviation Loss Of Licence Policy Wording - Commercial","pages":3,"fetched_at":"2026-10-17 19:49:35+00","source_url":"https://www.indusindinsurance.com/downloads/aviation-loss-of-licence-policy-wording-commercial","url":"https://indiainsurances.com/policy/indusind-general-insurance/aviation-loss-of-license-insurance-irdan103rp0023v01100001/document/9789"},{"kind":"wording","label":"Aviation Loss Of License Policy Wording - Retail","pages":3,"fetched_at":"2026-10-17 19:52:58+00","source_url":"https://www.indusindinsurance.com/downloads/aviation-loss-of-license-policy-wording-retail","url":"https://indiainsurances.com/policy/indusind-general-insurance/aviation-loss-of-license-insurance-irdan103rp0023v01100001/document/9877"},{"kind":"cis","label":"Aviation Loss of License Insurance","pages":4,"fetched_at":"2026-10-17 19:47:34+00","source_url":"https://www.indusindinsurance.com/downloads/indusind-loss-of-licence-policy","url":"https://indiainsurances.com/policy/indusind-general-insurance/aviation-loss-of-license-insurance-irdan103rp0023v01100001/document/9718"}],"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":"Aviation Loss of License Insurance (UIN IRDAN103RP0023V01100001), IndiaInsurances, https://indiainsurances.com/policy/indusind-general-insurance/aviation-loss-of-license-insurance-irdan103rp0023v01100001"}