{"uin":"IRDAN108RP0019V02202021","name":"Tata AIG Bharat Griha Raksha Policy","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-bharat-griha-raksha-policy-irdan108rp0019v02202021","insurer":{"slug":"tata-aig-general-insurance","name":"Tata AIG General Insurance Company Limited","url":"https://indiainsurances.com/insurer/tata-aig-general-insurance"},"line":"general","category":"home","category_name":"Home insurance","irdai_type":"Main product","kind":"product","status":"active","approved_on":"2021-03-30","withdrawn_on":null,"summary":"Tata AIG Bharat Griha Raksha Policy covers a residential home building and/or home contents against listed insured events including fire, earthquake, flood, terrorism and theft within 7 days of an insured event. Building sum insured is based on prevailing cost of construction, general contents have an in-built cover of 20% of the building sum insured up to ₹ 10 Lakh when both building and contents covers are chosen, loss participation is Nil and underinsurance does not apply.","analysis":{"state":"machine","analysed_at":"2026-10-20 02:00:32.990531+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":"The policy can be bought for one year or more than one year, but the duration cannot exceed 10 years.","display":"One year or more than one year, up to 10 years","note":"Stated in the prospectus; the policy wording defines the policy period by the dates shown in the Policy Schedule.","quote":"The cover protects you during the Period of the Policy. You can buy the Policy for one year or more than one year but the Policy duration cannot exceed 10 years.","sources":[{"clause":null,"heading":"How long does this cover protect me?","page":7,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-bharat-griha-raksha-policy-irdan108rp0019v02202021/document/16916#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 immediately give notice of loss or damage as soon as any 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 noticing loss or damage","note":null,"quote":"a) 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. ... i) 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":"Row 1(IV)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-bharat-griha-raksha-policy-irdan108rp0019v02202021/document/16932#c-row-1-iv"},{"clause":"Row 1(IV)(a)(i)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-bharat-griha-raksha-policy-irdan108rp0019v02202021/document/16932#c-row-1-iv-a-i"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Claim Form","photographs of loss or physical damage, wherever possible","plans, specification books, vouchers, invoices pertaining to costs incurred by you for reconstruction/replacement/repairs","authority to see the relevant records and get information about the Event and your loss from the Police or any other authority","Death Certificate and Post Mortem report for Optional Cover of Personal Accident"],"display":"Claim Form, photographs where possible, repair/reconstruction plans/specifications/vouchers/invoices, authority for police/authority records, and for personal accident death certificate and post mortem report where necessary","note":null,"quote":"i) 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. ... ix) Submit photographs of loss or physical damage, wherever possible. ... i) 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. ... iii) You must give Us authority to see the relevant records and get information about the Event and your loss from the Police or any other authority.\nc) For Optional Cover of Personal Accident, Death Certificate and Post Mortem report (wherever necessary) shall be submitted.","sources":[{"clause":"Row 1(IV)(a)(i)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-bharat-griha-raksha-policy-irdan108rp0019v02202021/document/16932#c-row-1-iv-a-i"},{"clause":"Row 1(IV)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-bharat-griha-raksha-policy-irdan108rp0019v02202021/document/16932#c-row-1-iv"},{"clause":"5(b)(i)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-bharat-griha-raksha-policy-irdan108rp0019v02202021/document/16932#c-5-b-i"},{"clause":"5(b)(iii)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-bharat-griha-raksha-policy-irdan108rp0019v02202021/document/16932#c-5-b-iii"}],"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":null,"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, willful or intentional act or omission, or of anyone on your behalf, or with your connivance","War, invasion, act of foreign enemy hostilities or war-like operations (whether war is declared or not), civil war, mutiny, civil commotion amounting to a popular rising, military rising, rebellion, revolution, insurrection or military or usurped power","Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from combustion of nuclear fuel","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, self-heating or leakage of electricity","Loss or damage to bullion or unset precious stones, manuscripts, plans, drawings, securities, obligations or documents of any kind, coins or paper money, cheques, vehicles, and explosive substances unless otherwise expressly stated in the Policy","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% 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","Costs, fees or expenses for preparing any claim"],"display":"Deliberate acts, war and similar events, nuclear/radiation, pollution except insured-event-linked cases, electrical damage from short circuiting etc., specified valuables/documents/vehicles/explosives unless stated, missing or mislaid property, property removed from home, consequential loss, market value reduction, structural carpet-area increase over 10% unless endorsed, and claim preparation costs","note":null,"quote":"1. Your deliberate, willful or intentional act or omission, or of anyone on your behalf, or with your connivance.\n2. War, invasion, act of foreign enemy hostilities or war-like operations (whether war is declared or not), civil war, mutiny, civil commotion amounting to a popular rising, military rising, rebellion, revolution, insurrection or military or usurped power.\n3. 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, self-heating or leakage of electricity from whatever cause (lightning included). This exclusion applies only to the particular machine so lost, damaged or destroyed.\n6. Loss or damage to bullion or unset precious stones, manuscripts, plans, drawings, securities, obligations or documents of any kind, coins or paper money, cheques, vehicles, and explosive substances unless otherwise expressly stated in the Policy.\n7. Loss of any Insured Property which is missing or has been mislaid, or its disappearance cannot be linked to any single identifiable event. Registered office: Peninsula Business Park, Tower A, 15th Floor, G.K Marg, Lower Parel, Mumbai - 400013, Maharashtra, India 24*7 Customer Support No: 022 6489 8282 • Email: customersupport@tataaig.com • Website: www.tataaig.com • IRDA of India Registration No.: 108 CIN: U85110MH2000PLC128425 • TATA AIG Bharat Griha Raksha Policy UIN: IRDAN108RP0019V02202021\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":"Row 1(b)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-bharat-griha-raksha-policy-irdan108rp0019v02202021/document/16932#c-row-1-b-10"},{"clause":"Row 1(b)(i)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-bharat-griha-raksha-policy-irdan108rp0019v02202021/document/16932#c-row-1-b-i-2"},{"clause":"Row 1(b)(ii)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-bharat-griha-raksha-policy-irdan108rp0019v02202021/document/16932#c-row-1-b-ii-2"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact Tata AIG customer support or email the Customer Service Desk. You can also write to the Grievance Redressal Officer, visit the servicing branch, and then use the Nodal Officer route before approaching the Insurance Ombudsman.","display":"Customer support/Customer Service Desk, then Grievance Redressal Officer or servicing branch, then Nodal Officer before Insurance Ombudsman","note":null,"quote":"please feel free to call Our 24X7 Customer Support No: 022 6489 8282 or you may email to the Customer Service Desk at customersupport@tataaig.com Our Grievance Redressal Officer:\nYou can send your Grievance in writing by post or email to Our Grievance Redressal Officer at the following address: ... Visit the Servicing Branch mentioned in the Policy document. Nodal Officer :\nPlease visit Our website at www.tataaig.com to know the contact details of the Nodal Officer for your servicing branch. ... Insurance Ombudsman: lf the lnsured Person is not satisfied with the Redressal of Grievance through the above methods, the Insured Person may also approach the office of lnsurance Ombudsman","sources":[{"clause":"8(b)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-bharat-griha-raksha-policy-irdan108rp0019v02202021/document/16932#c-8-b-3"}],"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, Strike, 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 or 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/strike/malicious damage; terrorism; bursting/overflowing water tanks/apparatus/pipes; sprinkler leakage; theft within 7 days caused by an insured event","note":"Column B in the insured-events table gives event-specific exclusions and terrorism is subject to the attached Terrorism Clause.","quote":"We give insurance cover for physical loss or damage, or destruction caused to Insured Property by the following unforeseen events occurring during the Policy Period. ... 1. | Fire | Caused by burning of Insured Property by order of any Public Authority. ... 2. | Explosion or Implosion | -\n2. Explosion or Implosion | -\n3. | Lightning | -\n3. Lightning | -\n4. | Earthquake, Volcanic Eruption or other Convulsions of Nature | -\n4. Earthquake, Volcanic Eruption or other | -\nConvulsions of Nature\n5. | Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Tsunami, Flood and Inundation | - ... 6. | Subsidence of the land on which your Home Building stands Landslide, Rockslide | Caused by: ... 7. | Bush Fire, Forest fire, Jungle Fire | - ... 8. | Impact damage of any kind, i.e., damage caused by the impact of, or collision caused by any external physical object (e.g. vehicle, falling trees, aircraft, wall etc.) ... 9. Missile Testing Operations | -\n10. | Riot, Strike, Malicious Damages | Caused by: ... 11. | Acts of Terrorism (Coverage as per Terrorism Clause attached) | Exclusions and Excess as per Terrorism Clause attached. ... 12. | Bursting or overflowing of water tanks, apparatus and pipes. | - ... 13. | Leakage from automatic sprinkler installations ... 14. | Theft within 7 (seven) days from the occurrence of and proximately caused by any of the above Insured Events | If it is:","sources":[{"clause":null,"heading":"Construction","page":4,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-bharat-griha-raksha-policy-irdan108rp0019v02202021/document/16932#c-construction"},{"clause":"Row 1","heading":"Fire","page":5,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-bharat-griha-raksha-policy-irdan108rp0019v02202021/document/16932#c-row-1"},{"clause":null,"heading":"Construction","page":5,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-bharat-griha-raksha-policy-irdan108rp0019v02202021/document/16932#c-construction-2"},{"clause":"Row 1(b)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-bharat-griha-raksha-policy-irdan108rp0019v02202021/document/16932#c-row-1-b"},{"clause":"Row 1(c)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-bharat-griha-raksha-policy-irdan108rp0019v02202021/document/16932#c-row-1-c"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"quote-verified","value":"Nil loss participation.","display":"Nil","note":"The policy wording notes exclusions and excess as per the attached Terrorism Clause for terrorism, but the CIS states Loss Participation as Nil.","quote":"8. | Loss Participation | Nil","sources":[{"clause":null,"heading":"Add-Ons","page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-bharat-griha-raksha-policy-irdan108rp0019v02202021/document/16888#c-add-ons"}],"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 at any time by informing the insurer. The insurer will refund proportionate premium for the unexpired policy period provided there are no claims under the policy.","display":"Proportionate premium for the unexpired policy period, if there is no claim","note":null,"quote":"1. Cancellation by You at Any Time: You may cancel the Policy at any time by informing Us. We shall refund proportionate premium for the unexpired Policy period provided there is no claim(s) under the Policy.","sources":[{"clause":"Row 1(III)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-bharat-griha-raksha-policy-irdan108rp0019v02202021/document/16932#c-row-1-iii"}],"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 Building/Home Contents and the 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 the Home Building because of insured events, and also covers specified fees, debris removal, loss of rent and rent for alternative accommodation. The Home Building includes the residential unit, permanently attached fixtures and fittings and listed additional structures; the building sum insured is the prevailing Cost of Construction at commencement as declared and accepted.","display":"Home Building cover for insured-event damage, with fixtures/fittings and listed 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. We also cover architect’s, surveyor’s, consulting engineer’s fees, cost of removing debris as specified under Clause C (5) (f) of this Policy. Further, We pay for Loss of Rent and rent for Alternative Accommodation ... b) 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: ... a) 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":"Row 1(c)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-bharat-griha-raksha-policy-irdan108rp0019v02202021/document/16932#c-row-1-c"},{"clause":"Row 1(b)","heading":"Your Home Building","page":7,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-bharat-griha-raksha-policy-irdan108rp0019v02202021/document/16932#c-row-1-b-2"},{"clause":"Row 1(a)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-bharat-griha-raksha-policy-irdan108rp0019v02202021/document/16932#c-row-1-a-5"}],"law":[]},{"key":"contents_cover","label":"Contents cover","section":"Cover","meaning":"Cover for household goods, jewellery and valuables, and limits.","status":"quote-verified","value":"The policy covers physical loss, damage or destruction of General Contents caused by an insured event. General Contents have a built-in cover equal to 20% of the Home Building sum insured up to ₹ 10 Lakh when both building and contents covers are opted, higher contents sum insured can be chosen with additional premium, and Valuable Contents are not covered unless the optional Valuable Contents cover is purchased.","display":"General Contents covered for insured events; built-in 20% of Home Building SI up to ₹ 10 Lakh if both covers are opted; Valuable Contents only with optional cover","note":null,"quote":"We cover the physical loss or damage to or destruction of the General Contents of your Home caused by an Insured Event as listed in Clause B of this Policy. Valuable Contents of your Home are not covered under this Policy unless you have purchased the Optional Cover for the Valuable Contents. ... b) 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. ... For Valuable Contents, a value may be agreed upon by you and Us based on a valuation certificate submitted by you and accepted by Us. However, We shall waive the requirement of valuation certificate if the Sum Insured opted for is up to ₹ 5 Lakh (Rupees Five Lakh) and individual item value does not exceed ₹ 1 Lakh (Rupees One Lakh).","sources":[{"clause":"Row 1(e)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-bharat-griha-raksha-policy-irdan108rp0019v02202021/document/16932#c-row-1-e-3"},{"clause":"Row 1(b)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-bharat-griha-raksha-policy-irdan108rp0019v02202021/document/16932#c-row-1-b-8"},{"clause":"Row 1(a)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-bharat-griha-raksha-policy-irdan108rp0019v02202021/document/16932#c-row-1-a-10"}],"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 days from, and is proximately caused by, an insured event. It does not state burglary as a separate covered peril.","display":"Theft within 7 (seven) days from and proximately caused by an insured event; no separate burglary cover stated","note":null,"quote":"14. | Theft within 7 (seven) days from the occurrence of and proximately caused by any of the above Insured Events | If it is: a. Of any article or thing outside your Home, or b. Of any article or thing attached from the outside of the outer walls or the roof of your Home, unless securely mounted.","sources":[{"clause":"Row 1(c)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-bharat-griha-raksha-policy-irdan108rp0019v02202021/document/16932#c-row-1-c"}],"law":[]},{"key":"rent_loss","label":"Rent and alternative accommodation","section":"Cover","meaning":"Cover for rent lost or a temporary home after damage.","status":"quote-verified","value":"The policy pays loss of rent or alternative rent while the Home Building is not fit for living because of physical loss arising from an insured event. The alternative 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 accommodation rent, same city and not superior, up to three years from the date the home becomes unfit for living","note":null,"quote":"We pay for Loss of Rent and rent for Alternative Accommodation, which will be paid to the extent declared by you and agreed by Us as specified under Clause C (6) of this Policy while your Home Building is not fit for living following loss or damage due to an Insured Event. ... b) 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. ... d) This cover will be available for the reasonable time required to repair your Home Building to make it fit for living. The maximum period of this cover is three years from the date your Home Building becomes unfit for living. You must submit a certificate from an architect or the local authority to show that your Home Building is not fit for living. ... e) 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":"Row 1(c)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-bharat-griha-raksha-policy-irdan108rp0019v02202021/document/16932#c-row-1-c"},{"clause":"Row 1(b)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-bharat-griha-raksha-policy-irdan108rp0019v02202021/document/16932#c-row-1-b-7"},{"clause":"Row 1(d)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-bharat-griha-raksha-policy-irdan108rp0019v02202021/document/16932#c-row-1-d-4"},{"clause":"Row 1(e)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-bharat-griha-raksha-policy-irdan108rp0019v02202021/document/16932#c-row-1-e-3"}],"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 commencement as declared and accepted. General Contents sum insured must cover replacement cost, with in-built cover of 20% of Home Building sum insured up to ₹ 10 Lakh when both covers are opted; optional Valuable Contents may be covered on agreed value basis.","display":"Building: prevailing Cost of Construction; General Contents: replacement cost with 20% built-in cover up to ₹ 10 Lakh; Valuable Contents: optional agreed value","note":null,"quote":"a) 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. ... d) The Sum Insured you have chosen for General Contents must be enough to cover the Cost of Replacement of the General Contents. ... b) 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. ... a) 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":"Row 1(a)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-bharat-griha-raksha-policy-irdan108rp0019v02202021/document/16932#c-row-1-a-5"},{"clause":"Row 1(d)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-bharat-griha-raksha-policy-irdan108rp0019v02202021/document/16932#c-row-1-d-5"},{"clause":"Row 1(b)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-bharat-griha-raksha-policy-irdan108rp0019v02202021/document/16932#c-row-1-b-8"},{"clause":"Row 1(a)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-bharat-griha-raksha-policy-irdan108rp0019v02202021/document/16932#c-row-1-a-10"}],"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, so if the sum insured calculated on the basis of the information provided is less than the actual value at risk, the difference will not affect the amount paid.","display":"Underinsurance does not apply","note":null,"quote":"Underinsurance does not apply to the TATA AIG 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":"8(b)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-bharat-griha-raksha-policy-irdan108rp0019v02202021/document/16932#c-8-b-2"}],"law":[]}],"documents":[{"kind":"wording","label":"Tata AIG Bharat Griha Raksha Policy(IRDAN108RP0019V02202021 )","pages":21,"fetched_at":"2026-10-17 20:09:50+00","source_url":"https://www.tataaig.com/s3/Bharat_Griha_Raksha_Policy_Policy_Wordings_5219f40e18.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-bharat-griha-raksha-policy-irdan108rp0019v02202021/document/16932"},{"kind":"prospectus","label":"Tata AIG Bharat Griha Raksha Policy(IRDAN108RP0019V02202021 )","pages":17,"fetched_at":"2026-10-17 20:09:27+00","source_url":"https://www.tataaig.com/s3/Tata_AIG_Bharat_Griha_Raksha_Policy_Prospectus_a79093bd65.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-bharat-griha-raksha-policy-irdan108rp0019v02202021/document/16916"},{"kind":"cis","label":"Tata AIG Bharat Griha Raksha Policy(IRDAN108RP0019V02202021 )","pages":7,"fetched_at":"2026-10-17 20:08:47+00","source_url":"https://www.tataaig.com/s3/tata_aig_bharat_griha_raksha_policy_b1f007a95a.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-bharat-griha-raksha-policy-irdan108rp0019v02202021/document/16888"},{"kind":"brochure","label":"Tata AIG Bharat Griha Raksha Policy(IRDAN108RP0019V02202021 )","pages":8,"fetched_at":"2026-10-17 20:06:50+00","source_url":"https://www.tataaig.com/s3/tata_aig_bharat_griha_raksha_policy_brochure_50d9f63aaa.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-bharat-griha-raksha-policy-irdan108rp0019v02202021/document/16841"},{"kind":"proposal","label":"Tata AIG Bharat Griha Raksha Policy(IRDAN108RP0019V02202021 )","pages":null,"fetched_at":"2026-10-17 20:10:23+00","source_url":"https://www.tataaig.com/s3/Tata_AIG_Bharat_Griha_Raksha_Policy_Proposal_Form_66927a15eb.PDF","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-bharat-griha-raksha-policy-irdan108rp0019v02202021/document/31843"},{"kind":"claim-form","label":"Tata AIG Bharat Griha Raksha Policy(IRDAN108RP0019V02202021 )","pages":null,"fetched_at":"2026-10-17 20:01:23+00","source_url":"https://www.tataaig.com/s3/Bharat_Griha_Raksha_Policy_Claim_Form_1beff7123c.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-bharat-griha-raksha-policy-irdan108rp0019v02202021/document/31780"}],"versions":[{"uin":"GEN4297","version":null,"approved_on":null},{"uin":"IRDAN108RP0019V02202021","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Tata AIG General Insurance official website","url":"https://www.tataaig.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claims process","url":"https://www.tataaig.com/claims-process","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 policy","url":"https://www.tataaig.com/grievance-redressal-policy","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."}],"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":"Tata AIG Bharat Griha Raksha Policy (UIN IRDAN108RP0019V02202021), IndiaInsurances, https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-bharat-griha-raksha-policy-irdan108rp0019v02202021"}