{"uin":"IRDAN106RP0003V01201516","name":"Jan Sewa Bima Yojna","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/jan-sewa-bima-yojna-irdan106rp0003v01201516","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":"other-general","category_name":"Other general insurance","irdai_type":null,"kind":"product","status":"active","approved_on":"2015-06-15","withdrawn_on":null,"summary":"Jan Sewa Bima Yojna is a 12 Months policy covering household contents for fire and allied perils and burglary, with personal accident and education protection sections. The geographical limit is India except Personal Accident worldwide, and claims are settled in India in Indian Rupees.","analysis":{"state":"machine","analysed_at":"2026-10-20 02:42:09.968092+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":null,"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":"Policy duration is 12 Months.","display":"Policy duration is 12 Months.","note":null,"quote":"Policy Term: Policy duration is 12 Months.","sources":[{"clause":"2(b)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/jan-sewa-bima-yojna-irdan106rp0003v01201516/document/8411#c-2-b"}],"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":"An event that might become a claim must be reported as soon as possible. The written statement with supporting documentation must be delivered within 15 days of date of damage; for Personal Accident, immediate written notice is required and in any case within 15 days of occurrence of injury/death.","display":"As soon as possible; documents within 15 days of date of damage. For Personal Accident, immediate written notice and within 15 days of injury/death.","note":null,"quote":"An event, which might become a claim under the Policy, must be reported to Us as soon as possible. ... This written statement of claim along with supporting documentation (estimates, vouchers, proof, investigation report and the like) prepared at your expense along with the particulars of other insurances covering the same risk must be delivered to Us within 15 days of date of damage. ... In the event of a claim under Personal Accident Section, You or Your personal representative must give immediate written notice and in any case within 15 days of occurrence of injury/death.","sources":[{"clause":"2","heading":"Or, We shall pay the entire amount to the child’s account as mentioned above at the","page":9,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/jan-sewa-bima-yojna-irdan106rp0003v01201516/document/8411#c-2-5"}],"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":["Section 1: Copy of this Policy with complete assets list; Claim Form fully filled up; Final Survey Report with photos; Quotation for reinstatement of damages; Receipt for amount actually incurred by insured.","Section 2: Copy of this Policy with complete assets list; Claim Form; Final Survey Report; Photograph of the damages; F.I.R./F.R. only in case of theft/burglary; LOS-Letter of Subrogation; N.O.C. (No Objection Certificate) from Financer / Principals.","Section 3: Claim Form filled up; Policy Copy/Schedule; Medical Treatment Paper; Death Certificate; F.I.R.; Hospital Records; Post Mortem Report."],"display":"Section-wise claim documents include policy copy, claim form, survey/photos/receipts for property claims, FIR for theft/burglary, and medical/death/FIR/hospital/post-mortem records for Personal Accident claims.","note":"The policy prints '*Only required in case of accidental death claims.' after the Personal Accident document list.","quote":"Section 1: Fire & Special Allied Perils for the household goods: a)Copy of this Policy with complete assets list b)Claim Form fully filled up c)Final Survey Report with photos\n d)Quotation for reinstatement of damages e)Receipt for amount actually incurred by insured.\nSection 2:-Burglary and Housebreaking: a)Copy of this Policy with complete assets list\nb)Claim Form c)Final Survey Report, d)Photograph of the damages, e)F.I.R./F.R. only in case of theft/burglary, f)LOS-Letter of Subrogation, g)N.O.C. (No Objection Certificate) from Financer / Principals.\nSection 3:-Personal Accident Insurance: a)Claim Form filled up b)Policy Copy/Schedule ... c) Medical Treatment Paper d)Death Certificate e) F.I.R. f)Hospital Records g)Post Mortem Report *Only required in case of accidental death claims. .","sources":[{"clause":null,"heading":"DOCUMENTS REQUIRED IN EVENT OF A CLAIMS","page":15,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/jan-sewa-bima-yojna-irdan106rp0003v01201516/document/8411#c-documents-required-in-event-of-a-claims"},{"clause":"2(c)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/jan-sewa-bima-yojna-irdan106rp0003v01201516/document/8411#c-2-c"}],"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 will make an offer of settlement or convey rejection within 30 days of receipt of all relevant documents and Investigation/ Assessment Report, if required. If admitted, claim proceeds are paid within 7 days of acceptance of the offer, with interest for delay.","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 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 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":"2","heading":"Or, We shall pay the entire amount to the child’s account as mentioned above at the","page":9,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/jan-sewa-bima-yojna-irdan106rp0003v01201516/document/8411#c-2-5"}],"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":["Articles of hazardous nature, including explosives.","Air or water craft, motor vehicles (other than domestic gardening equipment), caravans, trailers whether licensed for road use or otherwise or parts and accessories on or in any of them.","Livestock or pets or any other living creature.","Jewellery, Stamps, bullions, or unset precious stones.","Money or Documents.","Damage caused to the property insured by a) Its own fermentation, natural heating or spontaneous combustion. b) Its undergoing any heating or drying process.","Damage by vehicle/animals belonging to or owned by You or Your Family or Your domestic employees.","Damage caused by Forest Fire.","Damage caused whilst Your Home remains Unoccupied for more than 30 days in continuation, unless informed to us in advance.","Damage caused by theft and/ or larceny without use of force / violence.","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.","Committing or attempting suicide or intentional self-injury.","Being under the influence of intoxicating liquor or drugs.","Confiscation -Any damage due to confiscation, commandeering, requisition, detention or destruction by order of any Government or lawfully constituted authority.","Wear And Tear - Damage caused by wear and tear, depreciation and/or gradual deterioration."],"display":"Main exclusions include hazardous articles, vehicles, livestock, jewellery, money/documents, specified fire/allied peril exclusions, burglary without force, unoccupied home over 30 days, war, suicide, intoxication, confiscation and wear and tear.","note":null,"quote":"Articles of hazardous nature, including explosives. ... Air or water craft, motor vehicles (other than domestic gardening equipment), caravans, trailers whether licensed for road use or otherwise or parts and accessories on or in any of them. ... Livestock or pets or any other living creature. ... Jewellery, Stamps, bullions, or unset precious stones. ... Money or Documents. ... Damage caused to the property insured by a) Its own fermentation, natural heating or spontaneous combustion. b) Its undergoing any heating or drying process. ... Damage by vehicle/animals belonging to or owned by You or Your Family or Your domestic employees. ... Damage caused by Forest Fire. ... Damage caused by theft and/ or larceny without use of force / violence. ... Damage caused whilst Your Home remains Unoccupied for more than 30 days in continuation, unless informed to us in advance. ... 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. ... Committing or attempting suicide or intentional self-injury. ... Being under the influence of intoxicating liquor or drugs. ... Confiscation -Any damage due to confiscation, commandeering, requisition, detention or destruction by order of any Government or lawfully constituted authority. ... Wear And Tear - Damage caused by wear and tear, depreciation and/or gradual deterioration.","sources":[{"clause":"1","heading":null,"page":3,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/jan-sewa-bima-yojna-irdan106rp0003v01201516/document/8411#c-1-2"},{"clause":"2","heading":null,"page":3,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/jan-sewa-bima-yojna-irdan106rp0003v01201516/document/8411#c-2-2"},{"clause":"3","heading":null,"page":3,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/jan-sewa-bima-yojna-irdan106rp0003v01201516/document/8411#c-3-2"},{"clause":"4","heading":null,"page":3,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/jan-sewa-bima-yojna-irdan106rp0003v01201516/document/8411#c-4-2"},{"clause":"6","heading":null,"page":3,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/jan-sewa-bima-yojna-irdan106rp0003v01201516/document/8411#c-6-2"},{"clause":"Section 2","heading":"BURGLARY","page":5,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/jan-sewa-bima-yojna-irdan106rp0003v01201516/document/8411#c-section-2"},{"clause":"9","heading":"Renewal : It","page":7,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/jan-sewa-bima-yojna-irdan106rp0003v01201516/document/8411#c-9-2"},{"clause":null,"heading":"GENERAL EXCLUSIONS","page":15,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/jan-sewa-bima-yojna-irdan106rp0003v01201516/document/8411#c-general-exclusions"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"You may register a grievance or complaint on the insurer's website, with the branch from where the policy was bought, or with the Complaints Coordinator at the registered office. If dissatisfied with the resolution, you may approach the nearest Insurance Ombudsman.","display":"Website, branch where bought, or Complaints Coordinator at registered office; then Insurance Ombudsman if dissatisfied.","note":null,"quote":"Grievance or Complaint: You may register a grievance or Complaint by visiting our website www.iffcotokio.co.in. You may also contact the Branch from where You have bought the policy or the Complaints Coordinator who can be reached at Our registered office.\n16. Insurance Ombudsman : We shall endeavor to promptly and effectively address Your grievances. In the event You are dissatisfied with the resolution of Your grievance or complaint, You may approach the Insurance Ombudsman located nearest to You.","sources":[{"clause":"2","heading":"Or, We shall pay the entire amount to the child’s account as mentioned above at the","page":9,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/jan-sewa-bima-yojna-irdan106rp0003v01201516/document/8411#c-2-5"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["Fire","Lightning","Explosion / Implosion.","Damage caused by an aircraft, other aerial or space devices and articles dropped there from.","Riot, Strike and Malicious damage: - Loss of or Visible physical damage by external violent means directly caused to the property insured.","Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood and Inundation.","Impact damage by any rail/road vehicle or animal by direct contact.","Subsidence and Landslide including Rockslide: damage caused by subsidence of the part of site on which the insured property stands or landslide/rockslide.","Bursting and overflowing of water tank, apparatus and pipes.","Missile testing operations.","Leakage from automatic sprinkler installations.","Bush Fire.","Pollution or contamination which results from a peril mentioned under Items 1 to 12 above.","Earthquake","Theft or attempted theft involving violent and forcible entry into or exit from the insured premises, housebreaking, robbery and dacoity.","Insured Person's death or disablement within 12 months of injury","Education Protection amount"],"display":"Fire and special allied perils, burglary/housebreaking/robbery/dacoity, personal accident death or disablement, and education protection.","note":"The same wording also prints an earthquake exclusion unless covered through additional premium in Section 1.","quote":"WHAT IS COVERED: In the event of damage directly caused by insured perils listed hereunder and subject to its not being otherwise excluded. We will indemnify You against such damage to property insured at Your Home.\n1. Fire\n2. Lightning\n3. Explosion / Implosion.\n4. Damage caused by an aircraft, other aerial or space devices and articles dropped there from.\n5. Riot, Strike and Malicious damage: - Loss of or Visible physical damage by external violent means directly caused to the property insured.\n6. Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood and Inundation.\n7. Impact damage by any rail/road vehicle or animal by direct contact.\n8. Subsidence and Landslide including Rockslide: damage caused by subsidence of the part of site on which the insured property stands or landslide/rockslide.\n9. Bursting and overflowing of water tank, apparatus and pipes.\n10. Missile testing operations.\n11. Leakage from automatic sprinkler installations.\n12. Bush Fire.\n13. A) Pollution or contamination which results from a peril mentioned under Items 1 to 12 above. B) Any peril mentioned under Items 1 to 12 above, which results from pollution or contamination.\n14. Earthquake ... Theft or attempted theft involving violent and forcible entry into or exit from the insured premises, housebreaking, robbery and dacoity. ... If following bodily injury occurs which solely and directly causes Insured Person's death or disablement within 12 months of injury as stated in Table of Benefits, We shall pay to You or Your nominee/ legal representative the sum or sums hereinafter set forth in Table of Benefits. ... Education Protection amount shall be payable in the form of equated annual installments.","sources":[{"clause":"6","heading":null,"page":3,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/jan-sewa-bima-yojna-irdan106rp0003v01201516/document/8411#c-6-2"},{"clause":"Section 2","heading":"BURGLARY","page":5,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/jan-sewa-bima-yojna-irdan106rp0003v01201516/document/8411#c-section-2"},{"clause":"9","heading":"Renewal : It","page":7,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/jan-sewa-bima-yojna-irdan106rp0003v01201516/document/8411#c-9-2"},{"clause":"1(a)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/jan-sewa-bima-yojna-irdan106rp0003v01201516/document/8411#c-1-a"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"You may cancel the policy by sending 15 days written notice. The insurer will refund premium after retaining short-period premium as per the table, subject to no claim having been preferred.","display":"15 days written notice; refund after short-period retention, subject to no claim.","note":null,"quote":"You may cancel this Policy by sending 15 days written notice to Us. We will then allow a refund after retaining the premium based on following short period table.\nPeriod of Cover upto | Annual Premium Rate(%)\n15 days | 10%\n1 months | 15%\n2 months | 30%\n3 months | 40%\n4 months | 50%\n5 months | 60%\n6 months | 70%\n7 months | 75%\n8 months | 80%\n9 months | 85%\nExceeding 9 months | 100%\nThis refund of premium is subject to the condition that no claim has been preferred on Us.","sources":[{"clause":"2","heading":"Or, We shall pay the entire amount to the child’s account as mentioned above at the","page":9,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/jan-sewa-bima-yojna-irdan106rp0003v01201516/document/8411#c-2-5"}],"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 limit is India, except for Section 3 (Personal Accident), where the geographical limit is worldwide. All claims are settled in India in Indian Rupees.","display":"India, except Section 3 (Personal Accident) worldwide; claims settled in India in Indian Rupees.","note":null,"quote":"The Geographical Limit of this Policy will be India except for Section 3 (Personal Accident), where the Geographical Limit will be worldwide. However all claims shall be settled in India in Indian Rupees.","sources":[{"clause":"2","heading":"Or, We shall pay the entire amount to the child’s account as mentioned above at the","page":9,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/jan-sewa-bima-yojna-irdan106rp0003v01201516/document/8411#c-2-5"}],"law":[]},{"key":"subject_covered","label":"What is insured","section":"Cover","meaning":"The thing or risk this policy covers.","status":"quote-verified","value":"The policy insures household contents at Your Home under Fire and Special Allied Perils and the same property under Burglary. It also covers the insured person under Personal Accident and pays Education Protection to the named child/children when the specified Personal Accident benefits trigger.","display":"Household contents at Your Home, Personal Accident for insured persons, and Education Protection for named child/children.","note":null,"quote":"PROPERTY INSURED:: All Household Contents ... We will indemnify You against such damage to property insured at Your Home. ... PROPERTY INSURED ; It shall mean the same properties described under Section 1 (Fire and Special Allied Perils - Contents) of this Policy. ... Insured Person : It means You or any member of Your Family at Your Home aged between 5 years and 70 years, named in the Policy Schedule. ... The amount shall be payable to the named child/children of the insured as mentioned in the policy schedule.","sources":[{"clause":"Section 1","heading":"FIRE AND SPECIAL ALLIED PERILS","page":2,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/jan-sewa-bima-yojna-irdan106rp0003v01201516/document/8411#c-section-1"},{"clause":"6","heading":null,"page":3,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/jan-sewa-bima-yojna-irdan106rp0003v01201516/document/8411#c-6-2"},{"clause":"Section 2","heading":"BURGLARY","page":5,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/jan-sewa-bima-yojna-irdan106rp0003v01201516/document/8411#c-section-2"},{"clause":"1","heading":"Insured Person : It","page":6,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/jan-sewa-bima-yojna-irdan106rp0003v01201516/document/8411#c-1-4"},{"clause":"Section 3","heading":"(B): EDUCATION PROTECTION","page":8,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/jan-sewa-bima-yojna-irdan106rp0003v01201516/document/8411#c-section-3-2"}],"law":[]}],"documents":[{"kind":"wording","label":"Jan Sewa Bima Yojna Wording FY 21-22","pages":15,"fetched_at":"2026-10-17 19:38:06+00","source_url":"https://www.iffcotokio.co.in/content/dam/iffcotokio/pdfs/Jan-Sewa-Bima-Yojna-Policy-Wording.pdf","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/jan-sewa-bima-yojna-irdan106rp0003v01201516/document/8411"},{"kind":"wording","label":"Jan Sewa Bima Yojna (IRDAI copy)","pages":15,"fetched_at":"2026-10-20 01:22:43+00","source_url":"https://irdai.gov.in/documents/37343/993134/31_GEN973.pdf/098f358e-386f-6e3c-05bb-859a0c2dd393?version=1.1&t=1668251046275&download=true","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/jan-sewa-bima-yojna-irdan106rp0003v01201516/document/26511"},{"kind":"prospectus","label":"Jan Sewa Bima Yojna Prospectus FY 21-22","pages":12,"fetched_at":"2026-10-17 19:39:05+00","source_url":"https://www.iffcotokio.co.in/content/dam/iffcotokio/pdfs/Jan-Sewa-Bima-Yojna-Sales-Literature.pdf","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/jan-sewa-bima-yojna-irdan106rp0003v01201516/document/8443"}],"versions":[{"uin":"ITG-OT-P15-13-V01-15-16","version":null,"approved_on":null},{"uin":"IRDAN106RP0003V01201516","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":"Jan Sewa Bima Yojna (UIN IRDAN106RP0003V01201516), IndiaInsurances, https://indiainsurances.com/policy/iffco-tokio-general-insurance/jan-sewa-bima-yojna-irdan106rp0003v01201516"}