{"uin":"IRDAN106P0010V01200102","name":"Individual Personal Accident Policy","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-irdan106p0010v01200102","insurer":{"slug":"iffco-tokio-general-insurance","name":"IFFCO TOKIO General Insurance Company Limited","url":"https://indiainsurances.com/insurer/iffco-tokio-general-insurance"},"line":"general","category":"personal-accident","category_name":"Personal accident","irdai_type":null,"kind":"product","status":"active","approved_on":"2001-05-16","withdrawn_on":null,"summary":"This is an individual personal accident policy that pays for accidental death, permanent disablement and temporary total disablement. The geographical scope is worldwide, with claims settled in India in Indian rupees.","analysis":{"state":"machine","analysed_at":"2026-10-20 02:47:01.206157+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"The documents describe benefits and extensions, but do not name separate plan variants.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The policy points to the Schedule for the period of insurance and does not state a fixed term in the provided wording.","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":"Report an event that might become a claim as soon as possible. Death notice must be given before internment/ cremation unless reasonable cause is shown and in any case within one calendar month; loss of sight or amputation notice must be within one calendar month; written notice of injury or disease must be immediate but within 14 days.","display":"As soon as possible; death before internment/ cremation and within one calendar month; loss of sight or amputation within one calendar month; injury or disease within 14 days","note":null,"quote":"An event, which might become a claim under the policy, must be reported to us as soon as possible. In case of death, written notice also of death must, unless reasonable cause is shown, be given before internment/ cremation and in any case, within one calendar month after the death, and in the event of loss of sight or amputation of limbs, written notice thereof must also be given within one calendar month after such loss of sight or amputation. ... You or Your personal representative must give immediate written notice but within 14(fourteen) days of occurrence of injury, disease.","sources":[{"clause":"25(IV)(b)(iii)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-irdan106p0010v01200102/document/8681#c-25-iv-b-iii"}],"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":["Claim form","Doctor’s report, bills in case of temporary/permanent disablement","Police report/post mortem report in case of accidental death","Leave certificate from employer in case of temporary disablement"],"display":"Claim form; doctor’s report and bills; police report/post mortem report for accidental death; leave certificate for temporary disablement","note":"From the prospectus. The policy wording also requires certificates, information and evidence as prescribed by the insurer.","quote":"Documents required for settlement of claims:\n• Claim form.\n• Doctor’s report, bills in case of temporary/permanent disablement.\n• Police report/post mortem report in case of accidental death.\n• Leave certificate from employer in case of temporary disablement.","sources":[{"clause":"4(IV)(b)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-irdan106p0010v01200102/document/8640#c-4-iv-b-3"}],"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":"If a claim is admissible, the insurer must make an offer of settlement or convey rejection within 30 days of receipt of all relevant documents and investigation/ assessment report, if required. If the claim is admitted, proceeds are paid within 7 days of acceptance of the offer; delayed payment carries interest at 2.0% above bank rate.","display":"Offer or rejection within 30 days of all relevant documents and investigation/ assessment report; payment within 7 days of acceptance","note":null,"quote":"in the event of a claim, if the same is found admissible under the policy, we shall make an offer of settlement or convey the rejection of the claim within 30(thirty) days of receipt of all relevant documents and investigation/ assessment report (if required). In case the claim is admitted, the claim proceeds shall be paid within 7(seven) days of your acceptance of our offer. In case of delay in payment, we shall be liable to pay interest at a rate which is 2.0% (two percent) above the bank rate prevalent at the beginning of financial year in which the claim is received by us.","sources":[{"clause":"25(IV)(b)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-irdan106p0010v01200102/document/8681#c-25-iv-b-2"}],"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":["Committing or attempting to commit suicide or intentional self-injury","Whilst under influence of intoxicating liquor","Drug addiction or alcoholism","Whilst engaging in Aviation or Ballooning or whilst mounting into, dismounting from or travelling in any balloon or aircraft other than as passenger","Pregnancy or childbirth","Venereal disease or insanity","Contracting any illness directly or indirectly arising from or attributable to HIV and/or any HIV related illness including AIDS","Committing any breach of law with criminal intent","war, invasion, act of foreign enemy, hostilities","Ionizing radiation or contamination by radioactivity from any nuclear fuel","The radioactive, toxic, explosive or the hazardous properties of any nuclear assembly or nuclear component"],"display":"Suicide or self-injury; intoxicating liquor; drug addiction or alcoholism; aviation/ballooning except as passenger in licensed standard aircraft; pregnancy or childbirth; venereal disease or insanity; HIV/AIDS related illness; breach of law with criminal intent; war and similar events; nuclear radiation and nuclear hazardous properties","note":null,"quote":"a) Committing or attempting to commit suicide or intentional self-injury. intentional self-injury. ... b) Whilst under influence of intoxicating liquor.\nb) Whilst under influence of intoxicating liquor. ... c) Drug addiction or alcoholism.\nc) Drug addiction or alcoholism. ... d) Whilst engaging in Aviation or Ballooning or whilst mounting into, dismounting from or travelling in mounting into, dismounting from or travelling in any balloon or aircraft other than as passenger any balloon or aircraft other than as passenger (fare paying or otherwise) in any duly licensed (fare paying or otherwise) in any duly licensed standard type of aircraft. standard type of aircraft. ... e) Pregnancy or childbirth.\ne) Pregnancy or childbirth. ... f) Venereal disease or insanity.\nf) Venereal disease or insanity. ... g) Contracting any illness directly or indirectly arising\ng) Contracting any illness directly or indirectly arising from or attributable to HIV and/or any HIV related from or attributable to HIV and/or any HIV related illness including AIDS and /or any mutant illness including AIDS and /or any mutant derivative or variation of HIV or AIDS. derivative or variation of HIV or AIDS. ... h) Committing any breach of law with criminal intent. ... 1. As consequence of war, invasion, act of foreign enemy, hostilities (whether war be declared or not) civil war, rebellion, revolution, insurrection, mutiny military or usurped power, confiscation, seizure, capture, assault, restraint, nationalization, civil commotion or loot or pillage in connection herewith. ... a) Ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. For the purpose of this exclusion, combustion shall include any self sustaining process of nuclear fission. ... b) The radioactive, toxic, explosive or the hazardous properties of any nuclear assembly or nuclear component.","sources":[{"clause":"25(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-irdan106p0010v01200102/document/8681#c-25-a"},{"clause":"25(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-irdan106p0010v01200102/document/8681#c-25-b"},{"clause":"25(c)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-irdan106p0010v01200102/document/8681#c-25-c"},{"clause":"25(d)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-irdan106p0010v01200102/document/8681#c-25-d"},{"clause":"25(e)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-irdan106p0010v01200102/document/8681#c-25-e"},{"clause":"25(f)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-irdan106p0010v01200102/document/8681#c-25-f"},{"clause":"25(g)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-irdan106p0010v01200102/document/8681#c-25-g"},{"clause":"25(h)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-irdan106p0010v01200102/document/8681#c-25-h"},{"clause":null,"heading":"GENERAL EXCLUSIONS","page":14,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-irdan106p0010v01200102/document/8681#c-general-exclusions"},{"clause":"25(IV)(a)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-irdan106p0010v01200102/document/8681#c-25-iv-a-3"},{"clause":"25(IV)(b)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-irdan106p0010v01200102/document/8681#c-25-iv-b-3"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact IFFCO-Tokio through its grievance redressal website, toll free number 1800-103-5499, support@iffcotokio.co.in, or the Gurgaon address stated in the policy. Senior citizens have a separate claims/grievance channel at seniorcitizengrievance@iffcotokio.co.in and 1800-103-5498.","display":"IFFCO-Tokio grievance website, 1800-103-5499, support@iffcotokio.co.in, Gurgaon address; senior citizen channel 1800-103-5498","note":null,"quote":"In case of any grievance, you may contact Us through:\nWebsite: https://www.iffcotokio.co.in/customer-services/grievance-redressal Toll free: 1800-103-5499\nE-mail: | support@iffcotokio.co.in\nAddress: IFFCO-Tokio General Insurance Co Ltd IFFCO Tower, Plot no. 3 Sector -29, Gurgaon – 122001 ... Separate channel to address the related claims and grievances of senior citizen are mentioned below:\nClaims/ Grievance: seniorcitizengrievance@iffcotokio.co.in Toll free: 1800-103-5498 Address: Chief Grievance Officer IFFCO-Tokio General Insurance Co Ltd IFFCO Tower, Plot no. 3 Sector -29, Gurgaon - 122001","sources":[{"clause":"25(IV)(b)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-irdan106p0010v01200102/document/8681#c-25-iv-b-2"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["Bodily injury which solely and directly causes death or disablement to insured person within 12 months of injury","Death","Loss of sight (both eyes)","Loss of two limbs","Loss of one limb and one eye","Loss of sight of one eye","Loss of one limb","Permanent Total and absolute disablement","Temporary Total disablement"],"display":"Accidental bodily injury causing death or disablement within 12 months, including death, loss of sight or limbs, permanent total disablement and temporary total disablement","note":null,"quote":"If following Bodily injury which solely and directly causes death or disablement to insured person within 12 months of injury as stated in Table of Benefits, we shall pay to you or your legal representative / assignee / nominee the sum or sums hereinafter set forth in Table of Benefits. ... 1. Death | 100\n2. a) Loss of sight (both eyes) b) Loss of two limbs c) Loss of one limb and one eye | 100 100 100\n3. a) Loss of sight of one eye b) Loss of one limb | 50 50\n4. Permanent Total and absolute disablement | 100 ... 6. Temporary Total disablement benefit at the rate per week | 1% of C.S.I or Rs.25,000 whichever is lower.","sources":[{"clause":null,"heading":"COVERAGE","page":3,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-irdan106p0010v01200102/document/8681#c-coverage"},{"clause":"25(h)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-irdan106p0010v01200102/document/8681#c-25-h"}],"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":"The provided documents do not state a deductible or excess for the base policy.","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":"The policyholder may cancel at any time during the term by giving 7 days’ notice in writing. The insurer refunds proportionate premium for the unexpired policy period if the term is up to one year and no claim was made; for policies with term more than 1 year, it refunds premium for the unexpired policy period where risk coverage for such policy years has not commenced.","display":"7 days’ written notice; proportionate refund for unexpired period if term up to one year and no claims; for term more than 1 year, refund for unexpired policy period where risk has not commenced","note":null,"quote":"Cancellation The policyholder may cancel his/her policy at any time during the term, by giving 7 days notice in writing. The Insurer shall ... a) refund proportionate premium for unexpired policy period, if the term of policy upto one year and there is no claim (s) made during the policy period. ... b) refund premium for the unexpired policy period, in respect of policies with term more than 1 year and risk coverage for such policy years has not commenced.","sources":[{"clause":"25(IV)(b)(v)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-irdan106p0010v01200102/document/8681#c-25-iv-b-v"},{"clause":"25(IV)(a)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-irdan106p0010v01200102/document/8681#c-25-iv-a-2"},{"clause":"25(IV)(b)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-irdan106p0010v01200102/document/8681#c-25-iv-b-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"The geographical scope is worldwide, but claims are settled in India in Indian rupees.","display":"Worldwide; claims settled in India in Indian rupees","note":null,"quote":"The geographical scope of this policy will be worldwide, however the claims shall be settled in India in Indian rupees.","sources":[{"clause":"25(IV)(b)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-irdan106p0010v01200102/document/8681#c-25-iv-b-2"}],"law":[]},{"key":"accidental_death","label":"Accidental death","section":"Cover","meaning":"What is paid if an accident causes death.","status":"quote-verified","value":"If bodily injury solely and directly causes death within 12 months of injury, the policy pays 100% of the Capital Sum Insured.","display":"Death: 100% of Capital Sum Insured","note":null,"quote":"If following Bodily injury which solely and directly causes death or disablement to insured person within 12 months of injury as stated in Table of Benefits, we shall pay to you or your legal representative / assignee / nominee the sum or sums hereinafter set forth in Table of Benefits. ... TABLE OF BENEFITS | PERCENTAGE OF CAPITAL SUM INSURED\n1. Death | 100","sources":[{"clause":null,"heading":"COVERAGE","page":3,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-irdan106p0010v01200102/document/8681#c-coverage"},{"clause":"25(h)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-irdan106p0010v01200102/document/8681#c-25-h"}],"law":[]},{"key":"permanent_total_disability","label":"Permanent total disability","section":"Cover","meaning":"What is paid for permanent total disability.","status":"quote-verified","value":"Permanent Total and absolute disablement pays 100% of the Capital Sum Insured.","display":"Permanent Total and absolute disablement: 100% of Capital Sum Insured","note":"Permanent total disablement is defined as bodily injury that will permanently, totally and absolutely prevent the insured from engaging in any kind of occupation.","quote":"TABLE OF BENEFITS | PERCENTAGE OF CAPITAL SUM INSURED ... 4. Permanent Total and absolute disablement | 100","sources":[{"clause":"25(h)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-irdan106p0010v01200102/document/8681#c-25-h"}],"law":[]},{"key":"permanent_partial_disability","label":"Permanent partial disability","section":"Cover","meaning":"The table of payouts for losing a limb, eye, hearing...","status":"quote-verified","value":"The table pays 50% for loss of sight of one eye or loss of one limb; 20% for loss of all toes; 5% for great toe both phalanges; 2% for great toe one phalanx; 1% for each other toe if more than one toe is lost; 50% for loss of hearing both ears and 15% for one ear; 50% for loss of speech; 40% for loss of four fingers and thumb of one hand; 35% for loss of four fingers; thumb 25% for both phalanges and 10% for one phalanx; index finger 10%, 8% or 4%; middle finger 6%, 4% or 2%; ring finger 5%, 4% or 2%; little finger 4%, 3% or 2%; metacarpals 3% for first or second and 2% for third, fourth or fifth; any other permanent partial disablement is paid as assessed by Doctor.","display":"Permanent partial disablement: table percentages from 50% for one eye/one limb down to 1% for some toe losses; other permanent partial disablement as assessed by Doctor","note":"For Benefit 5 permanent partial disablement claims, the Capital Sum Insured is reduced by endorsement by the amount admissible under the claim.","quote":"3. a) Loss of sight of one eye b) Loss of one limb | 50 50 ... 5. i) Loss of toes-all ii) Great-both phalanges iii) Great-one phalanx iv) Other than great, if more than one toe lost each | 20 5 2 1\ni) Loss of hearing – both ears ii) Loss of hearing – one ear | 50 15\nc) Loss of Speech | 50\nd) Loss of four fingers and thumb of one hand | 40\ne) Loss of four fingers | 35\nf) Loss of thumb i) Both phalanges ii) One phalanx | 25 10\ng) Loss of index finger i)Three phalanges ii)Two phalanges iii)One phalanx | 10 8 4\nh) Loss of middle finger i) Three phalanges ii) Two phalanges iii) One phalanx | 6 4 2\ni) Loss of ring finger i)Three phalanges ii)Two phalanges ii)One phalanx | 5 4 2\nj) Loss of little finger i)Three phalanges ii)Two phalanges iii)One phalanx | 4 3 2\nk) Loss of Metacarpals i) First or second (additional) ii)Third, fourth or fifth (additional) | 3 2\nl) Any other permanent partial disablement | % as assessed by Doctor ... ii) In case of claim by permanent partial disablement i.e. Benefit 5) of Table of Benefits only after reduction by an endorsement of Capital Sum Insured by the amount admissible under the claim in respect of Insured person in respect of whom such sum shall become payable.","sources":[{"clause":"25(h)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-irdan106p0010v01200102/document/8681#c-25-h"},{"clause":"25(IV)(b)(ii)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-irdan106p0010v01200102/document/8681#c-25-iv-b-ii"}],"law":[]},{"key":"temporary_total_disability","label":"Temporary total disability","section":"Cover","meaning":"Weekly income paid while you cannot work after an accident.","status":"quote-verified","value":"Temporary Total Disablement is bodily injury preventing the insured from engaging in all types of occupation or any employment for a period not exceeding 104 weeks, certified by Medical practitioners. The benefit is paid at 1% of C.S.I or Rs.25,000, whichever is lower, per week.","display":"1% of C.S.I or Rs.25,000, whichever is lower, per week; up to 104 weeks","note":"The benefit is payable only upon termination of the disablement for the insured person for whom the claim has been lodged.","quote":"The bodily injury which as its direct consequence will prevent the Insured Person from engaging in all types of the occupation or any employment whatsoever for a period not exceeding 104 weeks since the date of injury to the time, Insured Person is fit enough to resume duty or engage in any kind of occupation as certified by Medical practitioners. ... 6. Temporary Total disablement benefit at the rate per week | 1% of C.S.I or Rs.25,000 whichever is lower. ... iii) In case of Temporary Total Disablement Benefit i.e. 6) of Table of Benefits only upon termination of such disablement in respect of Insured person for whom the claim has been lodged.","sources":[{"clause":"16","heading":"Temporary Total Disablement","page":2,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-irdan106p0010v01200102/document/8681#c-16"},{"clause":"25(h)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-irdan106p0010v01200102/document/8681#c-25-h"},{"clause":"25(IV)(b)(iii)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-irdan106p0010v01200102/document/8681#c-25-iv-b-iii"}],"law":[]},{"key":"accident_medical","label":"Accident medical expenses","section":"Cover","meaning":"Treatment costs after an accident.","status":"quote-verified","value":"Medical expenses are covered only if the Medical Benefit Extension is taken on payment of extra premium and the PA claim is otherwise admissible. Limits depend on the opted benefits: Benefit 1, least of actual expenses, 10% of capital sum insured or 25% of admissible PA claim; Benefit 1 to 4, least of actual expenses, 20% of capital sum insured or 50% of admissible PA claim; Benefit 1 to 5, least of actual expenses, 35% of capital sum insured or 75% of admissible PA claim; Benefit 1 to 6, least of actual expenses, 50% of capital sum insured or 100% of admissible PA claim.","display":"Optional Medical Benefit Extension on extra premium; limits by option from 10% to 50% of capital sum insured and 25% to 100% of admissible PA claim, subject to actual expenses","note":"This is an extension on payment of extra premium. Option 3 and Option 4 medical benefit is restricted to the maximum under Option 2 unless the insured person has been hospitalised.","quote":"Medical Benefit Extension: A policy can be extended on payment of extra premium to cover medical expenses necessarily incurred by the insured in connection with the injury, provided the claim otherwise is admissible under the policy. ... Benefits Opted | Extension | Limits\n1. Actual Expenses or\n2. 10% of capital sum insured or\n3. 25% of the admissible PA claim\nBenefit 1 | 10% | whichever shall be less.\n1. Actual Expenses or\n2. 20% of capital sum insured or\n3. 50% of the admissible PA claim\nBenefit 1 to 4 | 25% | whichever shall be less.\n1. Actual Expenses or\n2. 35% of capital sum insured or\n3. 75% of the admissible PA claim\nBenefit 1 to 5 | 50% | whichever shall be less.\n1. Actual Expenses or\n2. 50% of capital sum insured or\n3. 100% of the admissible PA claim\nBenefit 1 to 6 | 100% | whichever shall be less.\nNote: The Medical benefit under Option 3 and Option 4 will be restricted to the maximum benefit prescribed under Option 2 unless the Insured Person has been hospitalised.","sources":[{"clause":null,"heading":"EXTENSIONS","page":6,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-irdan106p0010v01200102/document/8681#c-extensions"},{"clause":null,"heading":"Loading for Medical","page":6,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-irdan106p0010v01200102/document/8681#c-loading-for-medical"}],"law":[]},{"key":"occupation_classes","label":"Occupation rules","section":"Eligibility","meaning":"Whether your job affects cover or premium.","status":"quote-verified","value":"The policy requires the insured to inform the insurer as soon as reasonably possible of changes in information such as duty, business or occupation that may affect the cover, and to obtain an endorsement. Indian corporate/professional personnel working abroad on civilian duties may be covered for personal accident on additional premium of 50% during normal times or 200% during apprehensive or disturbance times.","display":"Occupation changes must be informed and endorsed; Indian personnel working abroad may be covered at 50% or 200% additional premium","note":"The documents do not provide a full occupation class table.","quote":"Changes in Circumstances: you must inform us, as soon as reasonably possible of any change in information you have provided to us about Insured person(s) which may affect the Insurance cover provided e.g. duty, business, occupation and obtain from us an endorsement to this effect. ... Indian Personnel working abroad: In respect of Indian personnel Corporate/Professionals working in a foreign country on civilian duties, the cover may be granted for personal accident on payment of additional premium as under: -\nCircumstances | Chargeable Additional Premium\na)During Normal Times | 50% of Premium\nb)During apprehensive or Disturbance times | 200% of premium","sources":[{"clause":"25(IV)(b)(iii)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-irdan106p0010v01200102/document/8681#c-25-iv-b-iii"},{"clause":null,"heading":"Loading for Medical","page":6,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-irdan106p0010v01200102/document/8681#c-loading-for-medical"}],"law":[]}],"documents":[{"kind":"wording","label":"Individual Personal Accident Policy","pages":14,"fetched_at":"2026-10-17 19:46:35+00","source_url":"https://www.iffcotokio.co.in/content/dam/iffcotokio/policy-wordings/health/individual-personal-accident.pdf","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-irdan106p0010v01200102/document/8681"},{"kind":"prospectus","label":"Individual Personal Accident Policy","pages":10,"fetched_at":"2026-10-17 19:45:08+00","source_url":"https://www.iffcotokio.co.in/content/dam/iffcotokio/prospectus/health/individual_personal_accident_policy_prospectus.pdf","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-irdan106p0010v01200102/document/8640"}],"versions":[{"uin":"GEN039","version":null,"approved_on":null},{"uin":"IRDAN106P0010V01200102","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"IFFCO TOKIO General Insurance official website","url":"https://www.iffcotokio.co.in/","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":"Claims","url":"https://www.iffcotokio.co.in/claims","note":null},{"purpose":"claim","kind":"insurer","name":"Register a claim","url":"https://www.iffcotokio.co.in/claims/register-a-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.iffcotokio.co.in/contact-us/customer-services/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 policy","url":"https://www.iffcotokio.co.in/renew-policy","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":"Individual Personal Accident Policy (UIN IRDAN106P0010V01200102), IndiaInsurances, https://indiainsurances.com/policy/iffco-tokio-general-insurance/individual-personal-accident-policy-irdan106p0010v01200102"}