{"uin":"IRDAN103RP0060V01202223","name":"IndusInd Griha Kavach Policy","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-griha-kavach-policy-irdan103rp0060v01202223","insurer":{"slug":"indusind-general-insurance","name":"IndusInd General Insurance Company Limited","url":"https://indiainsurances.com/insurer/indusind-general-insurance"},"line":"general","category":"home","category_name":"Home insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"IndusInd Griha Kavach Policy covers home building and/or general contents against listed insured events such as fire, explosion, lightning, subsidence, riot, water tank overflow, sprinkler leakage and theft within 7 days of an insured event. Underinsurance does not apply, and the deductible is not applicable except for terrorism claims if terrorism cover is opted.","analysis":{"state":"machine","analysed_at":"2026-10-20 04:48:39.71021+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":["PLAN A"],"display":"PLAN A","note":null,"quote":"CUSTOMER INFORMATION SHEET: PLAN A (DESCRIPTION IS ILLUSTRATIVE AND NOT EXHAUSTIVE)","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-griha-kavach-policy-irdan103rp0060v01202223/document/9694#c-s1"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The wording defines the Policy Period by reference to the Policy Schedule, but no fixed duration is printed.","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":"You must immediately give notice of physical loss or damage, and submit the claim form at the earliest opportunity but within 30 days from the date you first notice the loss or damage.","display":"Immediate notice; claim form within 30 days from first notice of loss or damage","note":null,"quote":"As soon as any physical loss or damage occurs to Your Home Building or Home Contents due to an Insured Event, You must immediately give notice to Us of the loss or damage. ... You must submit Your claim in Our claim form at the earliest opportunity, but within 30 days from the date You first notice the loss or damage.","sources":[{"clause":null,"heading":"1. Immediate notice to Us","page":9,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-griha-kavach-policy-irdan103rp0060v01202223/document/9886#c-1-immediate-notice-to-us"},{"clause":"6(IV)(a)(i)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-griha-kavach-policy-irdan103rp0060v01202223/document/9886#c-6-iv-a-i"}],"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":["The Policy Number","Your name","Details of report to the police that You made","Details of report to any Authority that You made","Details of the Insured Event","A brief statement of the loss","Particulars of any other insurance of Your Home Building or any of Your Home Contents","Submit photographs of loss or physical damage, wherever possible","claim form","plans, specification books, vouchers, invoices pertaining to costs incurred by You for reconstruction/replacement/repairs","Death Certificate and Post Mortem report"],"display":"Policy number, name, police/authority reports, event and loss details, other insurance details, photographs where possible, claim form, repair/reconstruction documents and PA death documents where applicable","note":"Death Certificate and Post Mortem report apply to the optional Personal Accident cover.","quote":"The Policy Number,\nii) Your name,\niii) Details of report to the police that You made,\niv) Details of report to any Authority that You made,\nv) Details of the Insured Event,\nvi) A brief statement of the loss,\nvii) Particulars of any other insurance of Your Home Building or any of Your Home Contents, ... ix) Submit photographs of loss or physical damage, wherever possible. ... You must submit Your claim in Our claim form at the earliest opportunity, but within 30 days from the date You first notice the loss or damage. ... You must support Your claim for Home Building and/or Home Contents with plans, specification books, vouchers, invoices pertaining to costs incurred by You for reconstruction/replacement/repairs. ... For Optional Cover of Personal Accident, Death Certificate and Post Mortem report (wherever necessary) shall be submitted.","sources":[{"clause":null,"heading":"1. Immediate notice to Us","page":9,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-griha-kavach-policy-irdan103rp0060v01202223/document/9886#c-1-immediate-notice-to-us"},{"clause":"6(IV)(a)(i)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-griha-kavach-policy-irdan103rp0060v01202223/document/9886#c-6-iv-a-i"},{"clause":null,"heading":"5. Establish loss","page":10,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-griha-kavach-policy-irdan103rp0060v01202223/document/9886#c-5-establish-loss"}],"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 insurer shall decide on the claim within seven days of receipt of the survey report. This condition does not apply to claims on property/building insured on reinstatement value basis.","display":"Within seven days of receipt of the survey report; not for reinstatement-value property/building claims","note":"Stated in the Customer Information Sheet.","quote":"Turn Around Time ITATI 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":"12","heading":"Admissibility of Claim Broad principle of admissibility/denial of claims","page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-griha-kavach-policy-irdan103rp0060v01202223/document/9694#c-12"}],"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":["Your deliberate, willful or intentional act or omission, or of anyone on Your behalf, or with Your connivance.","War, invasion, act of foreign enemy hostilities or war-like operations","Ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from combustion of nuclear fuel","Pollution or contamination","Loss, damage or destruction to any electrical/electronic machine, apparatus, fixture, or fitting by over-running, excessive pressure, short circuiting, arcing, self- heating or leakage of electricity","Loss or damage to bullion or unset precious stones, manuscripts, plans, drawings, securities, obligations or documents of any kind, coins or paper money, cheques, vehicles, and explosive substances","Loss of any Insured Property which is missing or has been mislaid","Loss or damage to any Insured Property removed from Your Home to any other place.","Loss of earnings, loss by delay, loss of market or other consequential or indirect loss or damage","Any reduction in market value of any Insured Property after its repair or reinstatement.","Any addition, extension, or alteration to any structure of Your Home Building that increases its Carpet Area by more than 10%","Costs, fees or expenses for preparing any claim.","earthquake, volcanic eruption, lightening or other convulsions of nature (Not applicable if the cover is opted)","Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Tsunami, Flood and Inundation (Not applicable if the cover is opted)","Terrorism Damage Exclusion Warranty"],"display":"Deliberate acts, war, nuclear radiation, pollution, electrical damage, specified valuables/documents/money/vehicles, missing property, removed property, consequential loss, reduction in market value, large additions, claim preparation costs, earthquake/STFI/terrorism unless opted","note":"Earthquake, STFI and terrorism exclusions are stated as not applicable if the relevant cover is opted.","quote":"1. Your deliberate, willful or intentional act or omission, or of anyone on Your behalf, or with Your connivance.\n2. War, invasion, act of foreign enemy hostilities or war-like operations (whether war is declared or not), civil war, mutiny, civil commotion amounting to a popular rising, military rising, rebellion, revolution, insurrection or military or usurped power.\n3. Ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from combustion of nuclear fuel, or the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component that is part of it.\n4. Pollution or contamination, unless ... Loss, damage or destruction to any electrical/electronic machine, apparatus, fixture, or fitting by over-running, excessive pressure, short circuiting, arcing, self- heating or leakage of electricity from whatever cause (lightning included). This exclusion applies only to the particular machine so lost, damaged or destroyed.\n6. Loss or damage to bullion or unset precious stones, manuscripts, plans, drawings, securities, obligations or documents of any kind, coins or paper money, cheques, vehicles, and explosive substances unless otherwise expressly stated in the policy.\n7. Loss of any Insured Property which is missing or has been mislaid, or its disappearance cannot be linked to any single identifiable event.\n8. Loss or damage to any Insured Property removed from Your Home to any other place.\n9. Loss of earnings, loss by delay, loss of market or other consequential or indirect loss or damage of any kind or description whatsoever.\n10. Any reduction in market value of any Insured Property after its repair or reinstatement.\n11. Any addition, extension, or alteration to any structure of Your Home Building that increases its Carpet Area by more than 10% of the Carpet Area existing at the Commencement Date or on the date of renewal of this Policy, unless You have paid additional premium and such addition, extension or alteration is added by Endorsement.\n12. Costs, fees or expenses for preparing any claim.\n13. Any loss or damage occasioned by or through or in consequence directly or indirectly due to earthquake, volcanic eruption, lightening or other convulsions of nature (Not applicable if the cover is opted)\n14. Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Tsunami, Flood and Inundation (Not applicable if the cover is opted)\n15. Terrorism Damage Exclusion Warranty:","sources":[{"clause":null,"heading":"CLAUSE E. ADDITIONAL COVERS","page":6,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-griha-kavach-policy-irdan103rp0060v01202223/document/9886#c-clause-e-additional-covers"},{"clause":"6(b)(ii)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-griha-kavach-policy-irdan103rp0060v01202223/document/9886#c-6-b-ii"}],"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":"You can send a grievance in writing by post or email to the Grievance Redressal Officer at IndusInd General Insurance Company Limited, 6th Floor, Oberoi Commerz, Oberoi Garden City, Off Western Express Highway, Goregaon (East), Mumbai – 400 063, India, or services@indusindinsurance.com.","display":"Grievance Redressal Officer by post or email at services@indusindinsurance.com","note":null,"quote":"You can send Your grievance in writing by post or email to Our Grievance Redressal Officer at the following address: ... IndusInd General Insurance Company Limited, 6th Floor, Oberoi Commerz, Oberoi Garden City, Off Western Express Highway, Goregaon (East), Mumbai – 400 063, India E-mail: services@indusindinsurance.com","sources":[{"clause":null,"heading":"1. Our Grievance Redressal Officer","page":11,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-griha-kavach-policy-irdan103rp0060v01202223/document/9886#c-1-our-grievance-redressal-officer"}],"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","Explosion or Implosion","Lightning","Subsidence of the land on which Your Home Building stands, Landslide, Rockslide","Bush fire, Forest fire and Jungle fire","Impact damage of any kind, i.e., damage caused by impact of, or collision caused by any external physical object (e.g. vehicle, falling trees, aircraft, wall etc.)","Missile testing operations","Riot, Strikes, Malicious Damage","Bursting or overflowing of water tanks, apparatus and pipes.","Leakage from automatic sprinkler installations.","Theft within 7 (seven) days from the occurrence of and proximately caused by any of the above Insured Events."],"display":"Fire; Explosion or Implosion; Lightning; Subsidence, Landslide, Rockslide; Bush/Forest/Jungle fire; Impact damage; Missile testing operations; Riot, Strikes, Malicious Damage; Bursting or overflowing of water tanks, apparatus and pipes; Leakage from automatic sprinkler installations; Theft within 7 days of an insured event","note":null,"quote":"1. | Fire | Caused by burning of Insured Property by order of any Public Authority. ... 2. | Explosion or Implosion | -\n2. Explosion or Implosion | -\n3. | Lightning | -\n3. Lightning | -\n4. | Subsidence of the land on which Your Home Building stands, Landslide, Rockslide | Caused by ... 5. | Bush fire, Forest fire and Jungle fire | -\n5. Bush fire, Forest fire and Jungle fire | -\n6. | Impact damage of any kind, i.e., damage caused by impact of, or collision caused by any external physical object (e.g. vehicle, falling trees, aircraft, wall etc.) | Caused by pressure waves caused by aircraft or other aerial or space devices travelling at sonic or supersonic speeds. ... 7. | Missile testing operations | -\n7. Missile testing operations | -\n8. | Riot, Strikes, Malicious Damage | Caused by ... 9. | Bursting or overflowing of water tanks, apparatus and pipes. | overflowing of water tanks, | - ... 10. | Leakage from automatic sprinkler installations. | akage from automatic sprinkler tallations. | ... Theft within 7 (seven) days from the occurrence of and proximately caused by any of the above Insured Events.","sources":[{"clause":"Row 1","heading":"Fire","page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-griha-kavach-policy-irdan103rp0060v01202223/document/9886#c-row-1"},{"clause":null,"heading":"CLAUSE B. INSURED EVENTS","page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-griha-kavach-policy-irdan103rp0060v01202223/document/9886#c-clause-b-insured-events-2"},{"clause":"Row 1(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-griha-kavach-policy-irdan103rp0060v01202223/document/9886#c-row-1-b"},{"clause":"Row 1(c)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-griha-kavach-policy-irdan103rp0060v01202223/document/9886#c-row-1-c"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"You can cancel at any time by written notice. The refund table gives 90% if in force for 15 days, 85% for 1 month, 70% for 2 months, 60% for 3 months, 50% for 4 months, 40% for 5 months, 30% for 6 months, 25% for 7 months, 20% for 8 months, 15% for 9 months and 0% for a period exceeding 9 months; long-term policy refunds are recomputed based on the period the policy actually ran.","display":"Cancel any time by written notice; refund 90% at 15 days down to 0% after exceeding 9 months, with separate long-term policy formula","note":null,"quote":"You can cancel this Policy at any time by giving Us notice in writing. The Policy will terminate when We receive Your notice. ... 15 days | 90%\n15 days | 90%\n1 month | 85%\n1 month | 85%\n2 months | 70%\n2 months | 70%\n3 months | 60%\n3 months | 60%\n4 months | 50%\n4 months | 50%\n5 months | 40%\n5 months | 40%\n6 months | 30%\n6 months | 30%\n7 months | 25%\n7 months | 25%\n8 months | 20%\n8 months | 20%\n9 months | 15%\n9 months | 15%\nFor a period exceeding 9 months | 0%\nFor a period exceeding 9 months | 0% ... If you initiate the policy cancellation after the inception, the discount slab shall be reworked for the number of years the policy was actually in force.","sources":[{"clause":"6(III)(a)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-griha-kavach-policy-irdan103rp0060v01202223/document/9886#c-6-iii-a"},{"clause":"6(III)(b)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-griha-kavach-policy-irdan103rp0060v01202223/document/9886#c-6-iii-b"}],"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":"not-stated","value":null,"display":null,"note":"The documents refer to the risk location/place being covered under the policy but do not print a geographic territory such as India-only or worldwide.","quote":null,"sources":[],"law":[]},{"key":"building_cover","label":"Building cover","section":"Cover","meaning":"Cover for the structure and how its value is set.","status":"quote-verified","value":"Home Building cover pays for physical loss, damage or destruction of the Home Building because of an insured event. The Sum Insured is the prevailing Cost of Construction at the Commencement Date as declared by the insured and accepted by the insurer, and the Home Building includes the residential unit, fixtures and fittings, and specified same-site additional structures.","display":"Home Building physical loss/damage/destruction by insured events; Sum Insured is prevailing Cost of Construction at Commencement Date","note":null,"quote":"We cover physical loss or damage, or destruction of Your Home Building because of any Insured Event listed in Clause B of this Policy. ... Your Home Building is a building consisting of a residential unit, having an enclosed structure and a roof, basement (if\nany) and used as a dwelling place. ... Your Home Building includes\ni) Fixtures and fittings permanently attached to the floor, walls or roof, like fixed sanitary fittings, electrical wiring and other permanent fittings. ... The Sum Insured for the Home Building Cover is the prevailing Cost of Construction of Your Home Building at the Commencement Date as declared by You and accepted by Us and will be the maximum amount payable in the event the Home Building is a Total Loss.","sources":[{"clause":null,"heading":"CLAUSE C. HOME BUILDING COVER","page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-griha-kavach-policy-irdan103rp0060v01202223/document/9886#c-clause-c-home-building-cover"},{"clause":"Row 1(a)","heading":"Your Home Building","page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-griha-kavach-policy-irdan103rp0060v01202223/document/9886#c-row-1-a-2"},{"clause":"Row 1(b)","heading":"Your Home Building","page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-griha-kavach-policy-irdan103rp0060v01202223/document/9886#c-row-1-b-2"},{"clause":"Row 1(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-griha-kavach-policy-irdan103rp0060v01202223/document/9886#c-row-1-a-5"}],"law":[]},{"key":"contents_cover","label":"Contents cover","section":"Cover","meaning":"Cover for household goods, jewellery and valuables, and limits.","status":"quote-verified","value":"General Contents are covered for physical loss, damage or destruction caused by an insured event. If both Home Building and Home Contents cover are opted, there is a built-in General Contents cover equal to 20% of the Home Building Sum Insured, subject to a maximum of ` 10 Lakh; higher General Contents cover needs declaration and additional premium. Valuable Contents are not covered unless the optional Valuable Contents cover is purchased.","display":"General Contents covered; built-in 20% of Home Building Sum Insured up to ` 10 Lakh if both covers are opted; Valuable Contents only if optional cover is purchased","note":null,"quote":"We cover the physical loss or damage to or destruction of the General Contents of Your Home caused by an Insured Event as listed in Clause B of this Policy. Valuable Contents of Your Home are not covered under this Policy unless You have purchased the optional cover for the Valuable Contents. ... The policy has a built-in cover for the General Contents of Your home equal to 20% of the Sum Insured for Home Building Cover subject to a maximum of ` 10 Lakh (Rupees Ten Lakh) provided You have opted for both Home Building and Home Contents cover. If You choose to have a higher Sum Insured for Home Contents, You have to declare the Sum Insured in the Proposal Form and pay additional premium.","sources":[{"clause":null,"heading":"CLAUSE D. HOME CONTENTS COVER","page":5,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-griha-kavach-policy-irdan103rp0060v01202223/document/9886#c-clause-d-home-contents-cover"},{"clause":"6(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-griha-kavach-policy-irdan103rp0060v01202223/document/9886#c-6-b-2"}],"law":[]},{"key":"burglary","label":"Burglary and theft","section":"Cover","meaning":"Whether burglary is covered.","status":"quote-verified","value":"The policy covers theft only within 7 days from the occurrence of, and proximately caused by, an insured event.","display":"Theft within 7 (seven) days from the occurrence of and proximately caused by an insured event","note":null,"quote":"Theft within 7 (seven) days from the occurrence of and proximately caused by any of the above Insured Events.","sources":[{"clause":"Row 1(c)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-griha-kavach-policy-irdan103rp0060v01202223/document/9886#c-row-1-c"}],"law":[]},{"key":"rent_loss","label":"Rent and alternative accommodation","section":"Cover","meaning":"Cover for rent lost or a temporary home after damage.","status":"quote-verified","value":"Loss of rent and rent for alternative accommodation are payable to the extent declared by the insured and agreed by the insurer while the Home Building is not fit for living after damage due to an insured event. The maximum period is three years from the date the Home Building becomes unfit for living, and the insured must submit a certificate from an architect or local authority.","display":"Loss of rent and alternative accommodation rent while the Home Building is unfit for living, up to three years, as declared and agreed","note":null,"quote":"We pay for Loss of rent and Rent for Alternative Accommodation, which will be paid to the extent declared by You and agreed by Us as specified under Clause C (6) of this Policy while Your Home Building is not fit for living following loss or damage due to an insured event. ... In addition to what Clause C (5) (c) of this Policy provides for, We will pay the amount of rent You lose or alternative rent You pay while Your Home Building is not fit for living because of physical loss arising out of an Insured Event as follows: ... This cover will be available for the reasonable time required to repair Your Home Building to make it fit for living. The maximum period of this cover is three years from the date Your Home Building becomes unfit for living. You must submit a certificate from an architect or the local authority to show that Your Home Building is not fit for living.","sources":[{"clause":null,"heading":"CLAUSE C. HOME BUILDING COVER","page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-griha-kavach-policy-irdan103rp0060v01202223/document/9886#c-clause-c-home-building-cover"},{"clause":"6","heading":"Loss of Rent and Rent for Alternative Accommodation","page":5,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-griha-kavach-policy-irdan103rp0060v01202223/document/9886#c-6"},{"clause":"6(d)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-griha-kavach-policy-irdan103rp0060v01202223/document/9886#c-6-d"}],"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":"quote-verified","value":"Home Building Sum Insured is based on prevailing Cost of Construction at the Commencement Date. General Contents must be insured for the cost of replacement, and the CIS states that Valuable Contents need to be insured on an agreed value basis using a valuation certificate acceptable to the insurer.","display":"Building: prevailing Cost of Construction; General Contents: cost of replacement; Valuable Contents: Agreed Value basis","note":"Valuable Contents basis is stated in the Customer Information Sheet and applies if that optional cover is chosen.","quote":"The Sum Insured for the Home Building Cover is the prevailing Cost of Construction of Your Home Building at the Commencement Date as declared by You and accepted by Us and will be the maximum amount payable in the event the Home Building is a Total Loss. ... The Sum Insured You have chosen for General Contents must be enough to cover the cost of replacement of the General Contents. ... General Contents are to be insured on basis of cost of replacement of those item/s. Valuable Contents need to be insured on Agreed Value basis i.e. on basis of valuation certificate acceptable by us.","sources":[{"clause":"Row 1(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-griha-kavach-policy-irdan103rp0060v01202223/document/9886#c-row-1-a-5"},{"clause":"6(d)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-griha-kavach-policy-irdan103rp0060v01202223/document/9886#c-6-d-2"},{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-griha-kavach-policy-irdan103rp0060v01202223/document/9694#c-s4"}],"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":"quote-verified","value":"Underinsurance does not apply. If the Sum Insured calculated from the information provided is less than the actual value at risk, the difference will not affect the amount the insurer pays.","display":"Underinsurance does not apply","note":null,"quote":"Underinsurance does not apply to IndusInd Griha Kavach Policy. Thus, if Your Sum Insured calculated on the basis of the information that You provided, is less than the actual value at risk, the difference will not affect the amount We pay.","sources":[{"clause":null,"heading":"CLAUSE I. WAIVER OF UNDERINSURANCE","page":11,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-griha-kavach-policy-irdan103rp0060v01202223/document/9886#c-clause-i-waiver-of-underinsurance"}],"law":[]}],"documents":[{"kind":"wording","label":"IndusInd Griha Kavach Policy","pages":15,"fetched_at":"2026-10-17 19:53:13+00","source_url":"https://www.indusindinsurance.com/downloads/rgk-policy-wording","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-griha-kavach-policy-irdan103rp0060v01202223/document/9886"},{"kind":"prospectus","label":"Grihakavach Fire Prospectus","pages":2,"fetched_at":"2026-10-17 19:48:26+00","source_url":"https://www.indusindinsurance.com/downloads/grihakavach-fire-prospectus","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-griha-kavach-policy-irdan103rp0060v01202223/document/9745"},{"kind":"cis","label":"IndusInd Griha Kavach Policy","pages":7,"fetched_at":"2026-10-17 19:46:52+00","source_url":"https://www.indusindinsurance.com/downloads/indusind-bharat-griha-kavach-policy","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-griha-kavach-policy-irdan103rp0060v01202223/document/9694"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"IndusInd General Insurance official website","url":"https://www.indusindinsurance.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Car insurance claim","url":"https://www.indusindinsurance.com/car-insurance-claim","note":null},{"purpose":"claim","kind":"insurer","name":"Health insurance claims","url":"https://www.indusindinsurance.com/health-insurance-claims","note":null},{"purpose":"claim","kind":"insurer","name":"Travel insurance claim","url":"https://www.indusindinsurance.com/travel-insurance-claim","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://www.indusindinsurance.com/about-us/grievance-redressal","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"renew","kind":"insurer","name":"Renew car insurance","url":"https://www.indusindinsurance.com/car-insurance/renew-car-insurance","note":null},{"purpose":"renew","kind":"insurer","name":"Renew health insurance","url":"https://www.indusindinsurance.com/health-insurance/health-insurance-renewal","note":null}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"IndusInd Griha Kavach Policy (UIN IRDAN103RP0060V01202223), IndiaInsurances, https://indiainsurances.com/policy/indusind-general-insurance/indusind-griha-kavach-policy-irdan103rp0060v01202223"}