{"uin":"IRDAN106RP0001V01202021","name":"IFFCO-Tokio Bharat Griha Raksha Policy","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/iffco-tokio-bharat-griha-raksha-policy-irdan106rp0001v01202021","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":"home","category_name":"Home insurance","irdai_type":"Main product","kind":"product","status":"active","approved_on":"2021-12-02","withdrawn_on":null,"summary":"Bharat Griha Raksha covers a home building and/or home contents against specified insured events, with policy duration up to 10 years. General contents can have in-built cover of 20% of the building sum insured up to ₹ 10 Lakh, and underinsurance does not apply.","analysis":{"state":"machine","analysed_at":"2026-10-20 05:25:14.128536+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 covers, optional covers and add-ons, but do not name plan variants.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"You can opt for a duration upto 10 years.","display":"upto 10 years","note":null,"quote":"You can opt for a duration upto 10 years.","sources":[{"clause":null,"heading":"How long does this cover protect me?","page":26,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/iffco-tokio-bharat-griha-raksha-policy-irdan106rp0001v01202021/document/23354#c-how-long-does-this-cover-protect-me"}],"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 give notice immediately when physical loss or damage occurs. The claim form must be submitted 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":13,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/iffco-tokio-bharat-griha-raksha-policy-irdan106rp0001v01202021/document/23354#c-1-immediate-notice-to-us"},{"clause":null,"heading":"4. Submit claim","page":14,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/iffco-tokio-bharat-griha-raksha-policy-irdan106rp0001v01202021/document/23354#c-4-submit-claim"}],"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 Your 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","details of loss or damage under any Optional Cover or Add-ons","photographs of loss or physical damage, wherever possible","plans, specification books, vouchers, invoices pertaining to costs incurred by You for reconstruction/replacement/repairs","Death Certificate and Post Mortem report (wherever necessary)"],"display":"Policy number, name, police/authority report details, insured event details, brief statement of loss, other insurance details, optional/add-on loss details, photographs where possible, plans/specification books/vouchers/invoices, and PA death certificate/post-mortem where necessary","note":null,"quote":"You must state in this notice\ni) the Policy Number,\nii) Your name, iii details of report to the police that You made, iv details of report to any Authority that Your made,\nv. details of the Insured Event,\nvi. a brief statement of the loss, vii particulars of any other insurance of Your Home Building or any of Your Home Contents,\nviii. details of loss or damage under any Optional Cover or Add-ons,\nix. submit photographs of loss or physical damage, wherever possible. ... 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":13,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/iffco-tokio-bharat-griha-raksha-policy-irdan106rp0001v01202021/document/23354#c-1-immediate-notice-to-us"},{"clause":null,"heading":"5. Establish loss","page":14,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/iffco-tokio-bharat-griha-raksha-policy-irdan106rp0001v01202021/document/23354#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":"not-stated","value":null,"display":null,"note":"The policy states claim procedures and documents but does not print a time limit for deciding or paying claims.","quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Your deliberate, wilful or intentional act or ommission, or of anyone on Your behalf, or with Your connivance.","War, invasion, act of foreign enemy hostilities or war-like operations","Ionising radiation or contamination by radioactivity","Pollution or contamination, unless the pollution or contamination itself has resulted from an Insured Event, or an Insured Event itself results from pollution or contamination.","Loss, damage or destruction to any electrical/electronic machine, apparatus, fixture, or fitting by over-running, excessive pressure, short circuiting, arcing, selfheating 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, or its disappearance cannot be linked to any single identifiable event.","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 of any kind or description whatsoever.","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."],"display":"Deliberate acts; war and war-like operations; ionising radiation; pollution or contamination except when linked to an insured event; electrical/electronic breakdown by short-circuit etc.; bullion/documents/money/vehicles/explosives; missing or mislaid property; property removed from home; consequential loss; reduction in market value; building additions over 10% without endorsement; claim preparation costs","note":null,"quote":"We do not cover losses and expenses for any loss or damage or destruction of the Insured Property that is directly or indirectly as a result of or is caused by or arising from events, stated below:\n1. Your deliberate, wilful or intentional act or ommission, 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\nnot), civil war, mutiny, civil commotion amounting to a popular rising, military rising, rebellion, revolution, insurrection or military or usurped power.\n3. Ionising 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 ... i) the pollution or contamination itself has resulted from an Insured Event, or ... ii) an Insured Event itself results from pollution or contamination.\n5. Loss, damage or destruction to any electrical/electronic machine, apparatus, fixture, or fitting by over-running, excessive pressure, short circuiting, arcing, selfheating 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.","sources":[{"clause":"6(b)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/iffco-tokio-bharat-griha-raksha-policy-irdan106rp0001v01202021/document/23354#c-6-b-4"},{"clause":"6(b)(i)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/iffco-tokio-bharat-griha-raksha-policy-irdan106rp0001v01202021/document/23354#c-6-b-i"},{"clause":"6(b)(ii)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/iffco-tokio-bharat-griha-raksha-policy-irdan106rp0001v01202021/document/23354#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":"First send the grievance in writing by post or email to the insurer's Grievance Redressal Officer. If it is not resolved within 15 days or you are unhappy with the resolution, you can approach the IRDAI Grievance Redressal Cell before the Ombudsman route.","display":"Grievance Redressal Officer first; IRDAI if not resolved within 15 days or unhappy","note":null,"quote":"You can send Your grievance in writing by post or email to Our Grievance Redressal Officer at the following address:\na. E-Mail ID: | chiefgrievanceofficer@iffcotokio.co.in\nb. Address: | IFFCO-Tokio General Insurance Company Limited.\nIFFCO TOWER – II Plot No.3, Sector-29, Gurgaon Haryana-122001 ... In case it is not resolved within 15 days or if You are unhappy with the resolution You can approach the Grievance Redressal Cell of the Consumer Affairs Department of IRDAI","sources":[{"clause":null,"heading":"1. Our Grievance Redressal Officer","page":16,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/iffco-tokio-bharat-griha-raksha-policy-irdan106rp0001v01202021/document/23354#c-1-our-grievance-redressal-officer"},{"clause":null,"heading":"2. Consumer Affairs Department of IRDAI","page":16,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/iffco-tokio-bharat-griha-raksha-policy-irdan106rp0001v01202021/document/23354#c-2-consumer-affairs-department-of-irdai"}],"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","Earthquake, volcanic eruption, or other convulsions of nature","Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Tsunami, Flood and Inundation","Subsidence of the land on which Your Home Building stands, Landslide, Rockslide","Bush fire, Forest fire, Jungle fire","Impact damage of any kind","Missile testing operations","Riot, Strikes, Malicious Damages","Acts of terrorism (Coverage as per Terrorism Clause attached)","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/implosion; lightning; earthquake/volcanic eruption/convulsions of nature; storm/cyclone/typhoon/tempest/hurricane/tornado/tsunami/flood/inundation; subsidence/landslide/rockslide; bush/forest/jungle fire; impact damage; missile testing; riot/strikes/malicious damage; terrorism; bursting/overflowing water tanks, apparatus and pipes; sprinkler leakage; theft within 7 days caused by insured events","note":null,"quote":"We cover physical loss or damage, or destruction caused to the Insured Property by\n1. Fire\n2. Explosion or Implosion\n3. Lightning\n4. Earthquake, volcanic eruption, or other convulsions of nature\n5. Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Tsunami, Flood and Inundation\n6. Subsidence of the land on which Your Home Building stands, Landslide, Rockslide\n7. Bush fire, Forest fire, Jungle fire\n8. 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.)\n9. Missile testing operations ... We cover physical loss or damage, or destruction caused to the Insured Property by\n10. Riot, Strikes, Malicious Damages\n11 Acts of terrorism (Coverage as per Terrorism Clause attached) 12. Bursting or overflowing of water tanks, apparatus and pipes.\n13. Leakage from automatic sprinkler installations.\n14. Theft within 7 (seven )days from the occurrence of and proximately caused by any of the above Insured Events.","sources":[{"clause":null,"heading":"Column A","page":5,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/iffco-tokio-bharat-griha-raksha-policy-irdan106rp0001v01202021/document/23354#c-column-a"},{"clause":null,"heading":"Column A","page":6,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/iffco-tokio-bharat-griha-raksha-policy-irdan106rp0001v01202021/document/23354#c-column-a-2"}],"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":"No deductible or excess amount is printed in the policy wording for general claims.","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 policy terminates when the insurer receives the notice. Refund is 90% 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 no refund after exceeding 9 months. For a long term policy, premium is retained for the number of years actually in force, with fractions rounded up to the next higher year.","display":"Written cancellation anytime; refund 90% at 15 days down to 15% at 9 months, no refund after 9 months; long-term policies retain premium by years in force rounded up","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. ... If You cancel the policy, We will refund premium as follows:\nTime for which Policy in force | Refund of premium\n15 days | 90%\n1 months | 85%\n2 months | 70%\n3 months | 60%\n4 months | 50%\n5 months | 40%\n6 months | 30%\n7 months | 25%\n8 months | 20%\n9 months | 15%\nExceeding 9 months | No refund\nFor a long term policy, if the policy is cancelled anytime after inception, the premium is to be retained for the number of years the policy was actually in force. For this purpose, the premium shall be divided in equal proportion for each policy year and fraction of a year shall be rounded to the next higher year.","sources":[{"clause":"6(III)(a)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/iffco-tokio-bharat-griha-raksha-policy-irdan106rp0001v01202021/document/23354#c-6-iii-a"},{"clause":"6(III)(b)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/iffco-tokio-bharat-griha-raksha-policy-irdan106rp0001v01202021/document/23354#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 insured home and Policy Schedule, but do not state a geographic territory of cover.","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":"The policy covers physical loss, damage or destruction of Your Home Building because of any insured event, including permanent fixtures/fittings and additional structures on the same site used as part of the home. The Home Building Sum Insured is the prevailing Cost of Construction at the Commencement Date as declared by You and accepted by the insurer.","display":"Home Building physical loss/damage/destruction by insured events; includes fixtures, fittings and additional structures; Sum Insured is prevailing Cost of Construction at commencement","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 includes\ni) fixtures and fittings permanently attached to the floor, walls or roof, like fixed sanitary fittings, electrical wiring and other permanent fittings.\nii) the following ‘additional structures’ if they are on the same site, and are used as part of Your Home Building: ... 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":"1. What We cover","page":6,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/iffco-tokio-bharat-griha-raksha-policy-irdan106rp0001v01202021/document/23354#c-1-what-we-cover"},{"clause":null,"heading":"2. Your Home Building","page":7,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/iffco-tokio-bharat-griha-raksha-policy-irdan106rp0001v01202021/document/23354#c-2-your-home-building"},{"clause":null,"heading":"4. Sum Insured","page":7,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/iffco-tokio-bharat-griha-raksha-policy-irdan106rp0001v01202021/document/23354#c-4-sum-insured"}],"law":[]},{"key":"contents_cover","label":"Contents cover","section":"Cover","meaning":"Cover for household goods, jewellery and valuables, and limits.","status":"quote-verified","value":"The policy covers physical loss or damage to or destruction of General Contents caused by an insured event. Valuable Contents are not covered unless the optional cover is purchased; built-in General Contents cover is 20% of Home Building Sum Insured up to ₹ 10 Lakh when both Home Building and Home Contents cover are opted, and a higher contents sum insured needs declaration and additional premium.","display":"General Contents covered for insured events; built-in 20% of Home Building Sum Insured up to ₹ 10 Lakh if both covers are opted; Valuable Contents only under optional cover","note":"Valuable Contents require the optional cover.","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. ... If You want to cover the Valuable Contents in Your Home, You must opt for the Optional Cover for Valuable Contents as given in Clause E (1) (a) of this Policy.","sources":[{"clause":null,"heading":"Clause D: Home Contents Cover","page":8,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/iffco-tokio-bharat-griha-raksha-policy-irdan106rp0001v01202021/document/23354#c-clause-d-home-contents-cover"},{"clause":"6(b)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/iffco-tokio-bharat-griha-raksha-policy-irdan106rp0001v01202021/document/23354#c-6-b-2"},{"clause":"6(e)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/iffco-tokio-bharat-griha-raksha-policy-irdan106rp0001v01202021/document/23354#c-6-e-2"}],"law":[]},{"key":"burglary","label":"Burglary and theft","section":"Cover","meaning":"Whether burglary is covered.","status":"quote-verified","value":"The policy covers theft only when it occurs within 7 (seven )days from the occurrence of, and is proximately caused by, the insured events.","display":"Theft within 7 (seven )days of, and proximately caused by, insured events","note":"Burglary is not named as a separate insured event in the insured-event list.","quote":"14. Theft within 7 (seven )days from the occurrence of and proximately caused by any of the above Insured Events.","sources":[{"clause":null,"heading":"Column A","page":6,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/iffco-tokio-bharat-griha-raksha-policy-irdan106rp0001v01202021/document/23354#c-column-a-2"}],"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 or rent for alternative accommodation is paid while the Home Building is not fit for living because of physical loss from an insured event. The accommodation must not be superior and must be in the same city, the maximum period is three years from the date the Home Building becomes unfit for living, and loss of rent is accepted only if the Home Building physical damage claim is accepted.","display":"Loss of rent or alternative rent while home is unfit after insured-event damage; same city and not superior; maximum three years; only if Home Building claim is accepted","note":null,"quote":"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: ... We will pay the loss under this cover for an accommodation that is not superior to Your Home Building in any way and in the same city as Your Home Building. ... 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. ... Claim for loss of rent will be accepted only if We have accepted Your claim for loss for physical damage to Your Home under the Home Building Cover.","sources":[{"clause":"6","heading":"Loss of Rent and Rent for Alternative Accommodation","page":8,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/iffco-tokio-bharat-griha-raksha-policy-irdan106rp0001v01202021/document/23354#c-6"},{"clause":"6(b)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/iffco-tokio-bharat-griha-raksha-policy-irdan106rp0001v01202021/document/23354#c-6-b"},{"clause":"6(d)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/iffco-tokio-bharat-griha-raksha-policy-irdan106rp0001v01202021/document/23354#c-6-d"},{"clause":"6(e)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/iffco-tokio-bharat-griha-raksha-policy-irdan106rp0001v01202021/document/23354#c-6-e"}],"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 the prevailing Cost of Construction at the Commencement Date. General Contents Sum Insured must be enough to cover replacement cost, and Valuable Contents can be on an agreed value basis under the optional cover.","display":"Building: prevailing Cost of Construction at commencement; General Contents: replacement cost; Valuable Contents optional agreed value basis","note":null,"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. ... Cover for Valuable Contents on Agreed Value Basis (under Home Contents cover):\nFor Valuable Contents, a value may be agreed upon by You and Us based on a valuation certificate submitted by You and accepted by Us.","sources":[{"clause":null,"heading":"4. Sum Insured","page":7,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/iffco-tokio-bharat-griha-raksha-policy-irdan106rp0001v01202021/document/23354#c-4-sum-insured"},{"clause":"6(d)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/iffco-tokio-bharat-griha-raksha-policy-irdan106rp0001v01202021/document/23354#c-6-d-2"},{"clause":"6(a)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/iffco-tokio-bharat-griha-raksha-policy-irdan106rp0001v01202021/document/23354#c-6-a-4"}],"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 You 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 the Bharat Griha Raksha 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":16,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/iffco-tokio-bharat-griha-raksha-policy-irdan106rp0001v01202021/document/23354#c-clause-i-waiver-of-underinsurance"}],"law":[]}],"documents":[{"kind":"wording","label":"Bharat Griha Raksha Policy","pages":30,"fetched_at":"2026-10-17 19:47:25+00","source_url":"https://www.iffcotokio.co.in/content/dam/iffcotokio/policy-wordings/business/iffco-tokio-bharat-griha-raksha-policy.pdf","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/iffco-tokio-bharat-griha-raksha-policy-irdan106rp0001v01202021/document/8713"},{"kind":"wording","label":"IFFCO-Tokio Bharat Griha Raksha Policy (IRDAI copy)","pages":30,"fetched_at":"2026-10-20 00:24:03+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN106RP0001V02202021.pdf/1e51628a-ed68-96e9-53b9-1b5745c8bdd6?version=1.1&t=1668843764467&download=true","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/iffco-tokio-bharat-griha-raksha-policy-irdan106rp0001v01202021/document/23354"},{"kind":"prospectus","label":"IFFCO-TOKIO Bharat Griha Raksha Policy","pages":18,"fetched_at":"2026-10-17 19:45:33+00","source_url":"https://www.iffcotokio.co.in/content/dam/iffcotokio/prospectus/home/bharat_griha_raksha.pdf","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/iffco-tokio-bharat-griha-raksha-policy-irdan106rp0001v01202021/document/8656"},{"kind":"prospectus","label":"Bharat Griha Raksha Policy-Add-Ons","pages":18,"fetched_at":"2026-10-17 19:45:36+00","source_url":"https://www.iffcotokio.co.in/content/dam/iffcotokio/prospectus/home/bharat_griha_raksha_adds-on.pdf","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/iffco-tokio-bharat-griha-raksha-policy-irdan106rp0001v01202021/document/8660"},{"kind":"rider","label":"Bharat Griha Raksha Policy Add-Ons","pages":1,"fetched_at":"2026-10-17 19:41:33+00","source_url":"https://www.iffcotokio.co.in/content/dam/iffcotokio/policy-wordings/home/iffco-tokio-bharat-griha-raksha-policy-add-ons.pdf","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/iffco-tokio-bharat-griha-raksha-policy-irdan106rp0001v01202021/document/8524"}],"versions":[{"uin":"IRDAN106RP0001V02202021","version":null,"approved_on":null},{"uin":"IRDAN106RP0001V01202021","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":"IFFCO-Tokio Bharat Griha Raksha Policy (UIN IRDAN106RP0001V01202021), IndiaInsurances, https://indiainsurances.com/policy/iffco-tokio-general-insurance/iffco-tokio-bharat-griha-raksha-policy-irdan106rp0001v01202021"}