{"uin":"IRDAN113RP0009V01202021","name":"Bajaj Allianz General Insurance Company Ltd. Bharat Griha Raksha Policy","url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-allianz-general-insurance-company-ltd-bharat-griha-raksha-policy-irdan113rp0009v01202021","insurer":{"slug":"bajaj-general-insurance","name":"Bajaj General Insurance Limited","url":"https://indiainsurances.com/insurer/bajaj-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":"Bajaj Allianz Bharat Griha Raksha Policy covers a home building and home contents against listed insured events such as fire, explosion, lightning, earthquake, storm, flood, impact damage, riot, terrorism and limited theft after an insured event. The home building sum insured is based on prevailing cost of construction, general contents have built-in cover of 20% of the home building sum insured up to ₹ 10 Lakh when both covers are opted, and underinsurance does not apply.","analysis":{"state":"machine","analysed_at":"2026-10-20 05:26:16.746608+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 expires at the end of the Policy Period shown in the Policy Schedule. The wording contemplates annual policies and policy periods of more than 1 year, up to 10 years.","display":"Annual policy, or more than 1 year up to 10 years; the exact Policy Period is shown in the Policy Schedule.","note":null,"quote":"Policy period means the period commencing from the effective\ndate and time as shown in the Policy Schedule and terminating at Midnight on the expiry date as shown in the Policy Schedule or on the termination of or the cancellation of insurance as provided for in Clause G (III) of this Policy, whichever is earlier. ... 1. End of Policy: This Policy will expire at the end of the Policy Period. ... (B1) Short Period Scale (Applicable to Annual Policy): ... (B2) Policy Period of more than 1 year, up to 10 Years:","sources":[{"clause":"4","heading":"Special meaning of certain words: Words stated in the table below have a special meaning","page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-allianz-general-insurance-company-ltd-bharat-griha-raksha-policy-irdan113rp0009v01202021/document/26683#c-4"},{"clause":"6(II)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-allianz-general-insurance-company-ltd-bharat-griha-raksha-policy-irdan113rp0009v01202021/document/26683#c-6-ii"},{"clause":"6(III)(c)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-allianz-general-insurance-company-ltd-bharat-griha-raksha-policy-irdan113rp0009v01202021/document/26683#c-6-iii-c"},{"clause":"6(III)(c)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-allianz-general-insurance-company-ltd-bharat-griha-raksha-policy-irdan113rp0009v01202021/document/26683#c-6-iii-c-2"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"You must immediately give notice of physical loss or damage to the insurer. 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 of loss; claim form within 30 days from first noticing the loss or damage.","note":null,"quote":"As soon as any physical loss or damage occurs to Your Home Building or Home Contents due to an Insured Event, You must immediately give notice to Us of the loss or damage. ... You must submit Your claim in Our claim form at the earliest opportunity, but within 30 days from the date You first notice the loss or damage.","sources":[{"clause":"6(IV)(a)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-allianz-general-insurance-company-ltd-bharat-griha-raksha-policy-irdan113rp0009v01202021/document/26683#c-6-iv-a"},{"clause":"6(IV)(a)(i)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-allianz-general-insurance-company-ltd-bharat-griha-raksha-policy-irdan113rp0009v01202021/document/26683#c-6-iv-a-i"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["claim form","the Policy Number","Your name","details of report to the police that You made","details of report to any Authority that You made","details of the Insured Event","a brief statement of the loss","particulars of any other insurance","details of loss or damage under any Optional Cover or Add-ons","photographs of loss or physical damage, wherever possible","plans, specification books, vouchers, invoices pertaining to costs incurred","Death Certificate and Post Mortem report"],"display":"Claim form, policy and insured details, police/authority reports, event and loss details, other insurance details, optional-cover loss details, photographs where possible, plans/specification books/vouchers/invoices when requested, and death certificate/post mortem report for Personal Accident.","note":null,"quote":"You must submit Your claim in Our claim form at the earliest opportunity, but within 30 days from the date You first notice the loss or damage. ... You must state in this notice\ni) the Policy Number,\nii) Your name,\niii) details of report to the police that You made,\niv) details of report to any Authority that You made,\nv) details of the Insured Event,\nvi) a brief statement of the loss,\nvii) particulars of any other insurance of Your Home Building or any of Your Home Contents,\nviii) details of loss or damage under any Optional Cover or Add-ons,\nix) submit photographs of loss or physical damage, wherever possible. ... You must support Your claim for Home Building and/or Home Contents with plans, specification books, vouchers, invoices pertaining to costs incurred by You for reconstruction/replacement/repairs. ... For Optional Cover of Personal Accident, Death Certificate and Post Mortem report (wherever necessary) shall be submitted.","sources":[{"clause":"6(IV)(a)(i)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-allianz-general-insurance-company-ltd-bharat-griha-raksha-policy-irdan113rp0009v01202021/document/26683#c-6-iv-a-i"},{"clause":"6(IV)(c)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-allianz-general-insurance-company-ltd-bharat-griha-raksha-policy-irdan113rp0009v01202021/document/26683#c-6-iv-c"},{"clause":"6(IV)(b)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-allianz-general-insurance-company-ltd-bharat-griha-raksha-policy-irdan113rp0009v01202021/document/26683#c-6-iv-b-5"},{"clause":"6(IV)(c)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-allianz-general-insurance-company-ltd-bharat-griha-raksha-policy-irdan113rp0009v01202021/document/26683#c-6-iv-c-2"}],"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, wilful or intentional act or ommission","War, invasion, act of foreign enemy hostilities or war-like operations","Ionising radiation or contamination by radioactivity","Loss, damage or destruction to any electrical/electronic machine, apparatus, fixture, or fitting by over-running, excessive pressure, short circuiting, arcing, self-heating or leakage of electricity","Loss or damage to bullion or unset precious stones, manuscripts, plans, drawings, securities, obligations or documents of any kind, coins or paper money, cheques, vehicles, and explosive substances","Loss of any Insured Property which is missing or has been mislaid","Loss or damage to any Insured Property removed from Your Home to any other place","Loss of earnings, loss by delay, loss of market or other consequential or indirect loss or damage","Any reduction in market value of any Insured Property after its repair or reinstatement","Any addition, extension, or alteration to any structure of Your Home Building that increases its Carpet Area by more than 10%","Costs, fees or expenses for preparing any claim"],"display":"Main exclusions include deliberate acts, war, nuclear/radioactivity, specified electrical damage, bullion/documents/money/vehicles/explosives unless expressly stated, missing or mislaid property, property removed from the home, consequential loss, reduction in market value, structural additions over 10% without endorsement, and claim-preparation costs.","note":null,"quote":"We do not cover losses and expenses for any loss or damage or destruction of the Insured Property that is directly or indirectly as a result of or is caused by or arising from events, stated below:\n1. Your deliberate, wilful or intentional act or ommission, or of anyone on Your behalf, or with Your connivance.\n2. War, invasion, act of foreign enemy hostilities or war-like operations (whether war is declared or\nnot), civil war, mutiny, civil commotion amounting to a popular rising, military rising, rebellion, revolution, insurrection or military or usurped power.\n3. Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from combustion of nuclear fuel, or the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component that is part of it. ... 5. Loss, damage or destruction to any electrical/electronic machine, apparatus, fixture, or fitting by over-running, excessive pressure, short circuiting, arcing, self-heating or leakage of electricity from whatever cause (Lightning included). This exclusion applies only to the particular machine so lost, damaged or destroyed.\n6. Loss or damage to bullion or unset precious stones, manuscripts, plans, drawings, securities, obligations or documents of any kind, coins or paper money, cheques, vehicles, and explosive substances unless otherwise expressly stated in the Policy.\n7. Loss of any Insured Property which is missing or has been mislaid, or its disappearance cannot be linked to any single identifiable event.\n8. Loss or damage to any Insured Property removed from Your Home to any other place.\n9. Loss of earnings, loss by delay, loss of market or other consequential or indirect loss or damage of any kind or description whatsoever.\n10. Any reduction in market value of any Insured Property after its repair or reinstatement.\n11. Any addition, extension, or alteration to any structure of Your Home Building that increases its Carpet Area by more than 10% of the Carpet Area existing at the Commencement Date or on the date of renewal of this Policy, unless You have paid additional Premium and such addition, extension or alteration is added by Endorsement.\n12. Costs, fees or expenses for preparing any claim.","sources":[{"clause":"6(b)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-allianz-general-insurance-company-ltd-bharat-griha-raksha-policy-irdan113rp0009v01202021/document/26683#c-6-b-4"},{"clause":"6(b)(ii)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-allianz-general-insurance-company-ltd-bharat-griha-raksha-policy-irdan113rp0009v01202021/document/26683#c-6-b-ii"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First send the grievance in writing by post or email to the insurer's Grievance Redressal Officer at the Customer Care Cell, Bajaj Allianz General Insurance Co. Ltd, Bajaj Allianz House, Airport Road, Yerawada, Pune 411 006, email bagichelp@bajajallianz.co.in.","display":"First write to the Grievance Redressal Officer, Customer Care Cell, Bajaj Allianz General Insurance Co. Ltd, Pune 411 006, or email bagichelp@bajajallianz.co.in.","note":null,"quote":"If You have a grievance about any matter relating to the Policy, or Our decision on any matter, or the claim, You can address Your grievance as follows:\n1. Our Grievance Redressal Officer You can send Your grievance in writing by post or email to Our Grievance Redressal Officer at the following address:\nAddress including email Customer Care Cell Bajaj Allianz General Insurance Co. Ltd Bajaj Allianz House, Airport Road, Yerawada, Pune 411 006 E-mail: bagichelp@bajajallianz.co.in","sources":[{"clause":null,"heading":"CLAUSE K - GRIEVANCES","page":15,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-allianz-general-insurance-company-ltd-bharat-griha-raksha-policy-irdan113rp0009v01202021/document/26683#c-clause-k-grievances"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["Fire","Explosion or Implosion","Lightning","Earthquake, volcanic eruption, or other convulsions of nature","Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Tsunami, Flood and Inundation","Subsidence of the land on which Your Home Building stands, Landslide, Rockslide","Bush Fire, Forest Fire, Jungle Fire","Impact damage of any kind","Missile testing operations","Riot, Strikes, Malicious Damages","Acts of terrorism","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 or other convulsions of nature; storm, cyclone, typhoon, tempest, hurricane, tornado, tsunami, flood and inundation; subsidence, landslide and rockslide; bush, forest and jungle fire; impact damage; missile testing operations; riot, strikes and malicious damages; terrorism; bursting/overflowing water tanks, apparatus and pipes; sprinkler leakage; and theft within 7 days proximately caused by an insured event.","note":"Column B in the insured-events table contains event-specific exclusions.","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 | - ... 3 | Lightning | - ... 4 | Earthquake, volcanic eruption, or other convulsions 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 a. normal cracking, settlement or bedding down of new structures, b. the settlement or movement of made up ground, c. coastal or river erosion, d. defective design or workmanship or use of defective materials, or e. demolition, construction, structural alterations or repair of any property, or groundworks or excavations.\n7 | Bush Fire, Forest Fire, Jungle Fire | -\n8 | Impact damage of any kind, i.e., damage caused by impact of, or collision caused by any external physical object (e.g. vehicle, falling trees, aircraft, wall etc.) | caused by pressure waves caused by aircraft or other aerial or space devices travelling at sonic or supersonic speeds.\n9 | Missile testing operations | -\n10 | Riot, Strikes, Malicious Damages | caused by a. temporary or permanent dispossession, confiscation, commandeering, requisition or destruction by order of the government or any lawful authority, or b. temporary or permanent dispossession of Your Home by unlawful occupation by any person.\n11 | Acts of terrorism (Coverage as per Terrorism Clause attached) | Exclusions and Excess as per Terrorism Clause attached.\n12 | Bursting or overflowing of water tanks, apparatus and pipes, | -\n13 | Leakage from automatic sprinkler installations. | a. repairs or alterations in Your Home or the building in which Your Home is located, b. repairs, removal or extension of any sprinkler installation, or c. defects in the construction known to You.\n14 | Theft within 7 ( seven) days from the occurrence of and proximately caused by any of the above Insured Events. | if it is a. any article or thing outside Your Home, or b. any article or thing attached from the outside of the outer walls or the roof of Your Home, unless securely mounted.","sources":[{"clause":null,"heading":"CLAUSE B - INSURED EVENTS","page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-allianz-general-insurance-company-ltd-bharat-griha-raksha-policy-irdan113rp0009v01202021/document/26683#c-clause-b-insured-events"},{"clause":"Row 1","heading":"Fire","page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-allianz-general-insurance-company-ltd-bharat-griha-raksha-policy-irdan113rp0009v01202021/document/26683#c-row-1"},{"clause":"Row 2","heading":"Explosion or Implosion","page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-allianz-general-insurance-company-ltd-bharat-griha-raksha-policy-irdan113rp0009v01202021/document/26683#c-row-2"},{"clause":"Row 3","heading":"Lightning","page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-allianz-general-insurance-company-ltd-bharat-griha-raksha-policy-irdan113rp0009v01202021/document/26683#c-row-3"},{"clause":"Row 4","heading":"Earthquake, volcanic eruption, or other convulsions of nature","page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-allianz-general-insurance-company-ltd-bharat-griha-raksha-policy-irdan113rp0009v01202021/document/26683#c-row-4"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"quote-verified","value":"For terrorism cover, Shops & Residential Risks have an excess of 1% of the claim amount for each and every claim, subject to minimum INR 10,000 and maximum INR 500,000.","display":"Terrorism cover for Shops & Residential Risks: 1% of claim amount per claim, minimum INR 10,000 and maximum INR 500,000.","note":"The quoted excess is in the Terrorism Damage Cover Endorsement.","quote":"1. Shops & Residential Risks: 1% of the claim amount for each and every claim subject to Minimum of INR 10,000 and Maximum of INR 500,000","sources":[{"clause":null,"heading":"EXCESS","page":22,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-allianz-general-insurance-company-ltd-bharat-griha-raksha-policy-irdan113rp0009v01202021/document/26683#c-excess"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"You can cancel by written notice at any time; the policy terminates when the insurer receives the notice. Refund is as per the applicable table, subject to minimum retention of Rs.100, but no premium refund is made if a claim has been lodged.","display":"Written cancellation at any time; refund as per table, subject to minimum retention of Rs.100, and no refund if a claim has been lodged.","note":"For annual policies the table says: up to 7 days 100%, 8 to 270 days pro rata, and 271 to 365 days 0%; annual cancellation requests are not entertained after 270 days. Short-term policies of less than one year cannot be cancelled. Long-term policy periods are more than 1 year, up to 10 years.","quote":"You can cancel this Policy at any time by giving Us notice in writing. The Policy will terminate when We receive Your notice. ... If You cancel the Policy, We will refund premium as per table (B1) and (B2) hereinafter, as may be applicable, subject however to a minimum retention of Rs.100, except as stated in B1.1. ... No premium refund shall be made in respect of Policy on which claim has been lodged by the Insured or a person on behalf of the Insured, whether such claim was admitted or repudiated.\n(B1) Short Period Scale (Applicable to Annual Policy):\nSr. No | Cancellation Period (Days) | Refund Amount as percentage of Annual Premium\nB1.1 | Up to 7 Days | 100%\nB1.2 | 8 to 270 days | Pro Rata\nB1.3 | 271 to 365 days | 0% ... No request for cancellation of Policy shall be entertained after completion of 270 days (applicable only to annual Policy) from the date of commencement of the Policy Period. ... Policy where Policy Period is short term (lesser than one year) cannot be cancelled. ... (B2) Policy Period of more than 1 year, up to 10 Years:","sources":[{"clause":"6(III)(a)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-allianz-general-insurance-company-ltd-bharat-griha-raksha-policy-irdan113rp0009v01202021/document/26683#c-6-iii-a"},{"clause":"6(III)(b)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-allianz-general-insurance-company-ltd-bharat-griha-raksha-policy-irdan113rp0009v01202021/document/26683#c-6-iii-b"},{"clause":"6(III)(c)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-allianz-general-insurance-company-ltd-bharat-griha-raksha-policy-irdan113rp0009v01202021/document/26683#c-6-iii-c"},{"clause":"6(III)(a)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-allianz-general-insurance-company-ltd-bharat-griha-raksha-policy-irdan113rp0009v01202021/document/26683#c-6-iii-a-2"},{"clause":"6(III)(b)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-allianz-general-insurance-company-ltd-bharat-griha-raksha-policy-irdan113rp0009v01202021/document/26683#c-6-iii-b-2"},{"clause":"6(III)(c)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-allianz-general-insurance-company-ltd-bharat-griha-raksha-policy-irdan113rp0009v01202021/document/26683#c-6-iii-c-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"not-stated","value":null,"display":null,"note":null,"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 or damage, or destruction of the Home Building due to insured events. The Home Building includes the residential unit, permanent fixtures and fittings, and listed additional structures on the same site, and the sum insured is the prevailing Cost of Construction at the Commencement Date.","display":"Covers physical loss, damage or destruction of the Home Building by insured events; includes permanent 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. ... Your Home Building includes\ni) fixtures and fittings permanently attached to the floor, walls or roof, like fixed sanitary fittings, electrical wiring and other permanent fittings.\nii) the following „additional structures‟ if they are on the same site, and are used as part of Your Home Building: ... The Sum Insured for the Home Building Cover is the prevailing Cost of Construction of Your Home Building at the Commencement Date as declared by You and accepted by Us and will be the maximum amount payable in the event the Home Building is a Total Loss.","sources":[{"clause":null,"heading":"CLAUSE C - HOME BUILDING COVER","page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-allianz-general-insurance-company-ltd-bharat-griha-raksha-policy-irdan113rp0009v01202021/document/26683#c-clause-c-home-building-cover"},{"clause":null,"heading":"2. Your Home Building","page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-allianz-general-insurance-company-ltd-bharat-griha-raksha-policy-irdan113rp0009v01202021/document/26683#c-2-your-home-building"},{"clause":null,"heading":"4. Sum Insured","page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-allianz-general-insurance-company-ltd-bharat-griha-raksha-policy-irdan113rp0009v01202021/document/26683#c-4-sum-insured"}],"law":[]},{"key":"contents_cover","label":"Contents cover","section":"Cover","meaning":"Cover for household goods, jewellery and valuables, and limits.","status":"quote-verified","value":"General Contents are covered for physical loss, damage or destruction caused by insured events. Valuable Contents are not covered unless the optional cover is purchased; when both Home Building and Home Contents cover are opted, built-in General Contents cover is 20% of the Home Building sum insured subject to a maximum of ₹ 10 Lakh, and a higher contents sum insured requires declaration and additional premium.","display":"General Contents are covered for insured events; built-in cover is 20% of Home Building sum insured up to ₹ 10 Lakh when both covers are opted; Valuable Contents need the 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. ... The Policy has a built-in cover for the General Contents of Your home equal to 20% of the Sum Insured for Home Building Cover subject to a maximum of ₹ 10 Lakh (Rupees Ten Lakh) provided You have opted for both Home Building and Home Contents cover. If You choose to have a higher Sum Insured for Home Contents, You have to declare the Sum Insured in the Proposal Form and pay additional Premium. ... If You want to cover the Valuable Contents in Your Home, You must opt for the Optional Cover for Valuable Contents as given in Clause E (1) (a) of this Policy.","sources":[{"clause":null,"heading":"CLAUSE D - HOME CONTENTS COVER","page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-allianz-general-insurance-company-ltd-bharat-griha-raksha-policy-irdan113rp0009v01202021/document/26683#c-clause-d-home-contents-cover"},{"clause":"6(b)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-allianz-general-insurance-company-ltd-bharat-griha-raksha-policy-irdan113rp0009v01202021/document/26683#c-6-b-2"},{"clause":"6(e)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-allianz-general-insurance-company-ltd-bharat-griha-raksha-policy-irdan113rp0009v01202021/document/26683#c-6-e-2"}],"law":[]},{"key":"burglary","label":"Burglary and theft","section":"Cover","meaning":"Whether burglary is covered.","status":"quote-verified","value":"The policy covers theft only within 7 days from the occurrence of and proximately caused by an insured event, subject to the stated limitations for articles outside the home or attached outside the outer walls or roof.","display":"Theft is covered only within 7 days from the occurrence of and proximately caused by an insured event.","note":"The wording does not state a general burglary cover in the insured-events list.","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. any article or thing outside Your Home, or b. any article or thing attached from the outside of the outer walls or the roof of Your Home, unless securely mounted.","sources":[{"clause":"Row 4","heading":"Earthquake, volcanic eruption, or other convulsions of nature","page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-allianz-general-insurance-company-ltd-bharat-griha-raksha-policy-irdan113rp0009v01202021/document/26683#c-row-4"}],"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 rent for alternative accommodation to the extent declared by you and agreed by the insurer while the Home Building is unfit for living after insured-event damage. The maximum period of this cover is three years from the date the Home Building becomes unfit for living.","display":"Loss of rent or alternative accommodation is covered while the Home Building is unfit for living after an insured event, up to a maximum period of three years.","note":"Alternative accommodation must not be superior to the Home Building and must be in the same city; loss of rent claim is accepted only if the Home Building physical damage claim is accepted.","quote":"Further, 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. ... Loss of Rent and Rent for Alternative Accommodation: In addition to what Clause C (5) (c) of this Policy provides for, We will pay the amount of rent You lose or alternative rent You pay while Your Home Building is not fit for living because of physical loss arising out of an Insured Event as follows: ... We will pay the loss under this cover for an accommodation that is not superior to Your Home Building in any way and in the same city as Your Home Building. ... The maximum period of this cover is three years from the date Your Home Building becomes unfit for living. You must submit a certificate from an architect or the local authority to show that Your Home Building is not fit for living. ... Claim for loss of rent will be accepted only if We have accepted Your claim for loss for physical damage to Your Home under the Home Building Cover.","sources":[{"clause":null,"heading":"CLAUSE C - HOME BUILDING COVER","page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-allianz-general-insurance-company-ltd-bharat-griha-raksha-policy-irdan113rp0009v01202021/document/26683#c-clause-c-home-building-cover"},{"clause":"6","heading":"Loss of Rent and Rent for Alternative Accommodation","page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-allianz-general-insurance-company-ltd-bharat-griha-raksha-policy-irdan113rp0009v01202021/document/26683#c-6"},{"clause":"6(b)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-allianz-general-insurance-company-ltd-bharat-griha-raksha-policy-irdan113rp0009v01202021/document/26683#c-6-b"},{"clause":"6(d)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-allianz-general-insurance-company-ltd-bharat-griha-raksha-policy-irdan113rp0009v01202021/document/26683#c-6-d"},{"clause":"6(e)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-allianz-general-insurance-company-ltd-bharat-griha-raksha-policy-irdan113rp0009v01202021/document/26683#c-6-e"}],"law":[]},{"key":"sum_insured_basis","label":"Sum insured basis","section":"Cover","meaning":"How the cover amount is set: market value, reinstatement value, agreed value, IDV.","status":"quote-verified","value":"Home Building sum insured is based on the prevailing Cost of Construction at the Commencement Date; the cost is calculated using Carpet Area multiplied by the Rate of Cost of Construction for the residential structure and based on prevailing construction cost for additional structures. General Contents sum insured must be enough to cover replacement cost, and Valuable Contents can be covered on an agreed value basis under the optional cover.","display":"Home Building: prevailing Cost of Construction at commencement; General Contents: replacement cost; Valuable Contents: optional agreed value basis.","note":"Additional structures use an amount based on the prevailing rate of Cost of Construction at commencement as declared by you and accepted by the insurer.","quote":"Cost of Construction | The amount required to construct Your Home Building at the Commencement Date. This amount is calculated as follows: a. For residential structure of Your Home including Fittings and Fixtures: Carpet Area of the structure in square metres X Rate of Cost of Construction at the Commencement Date. ... The Sum Insured for the Home Building Cover is the prevailing Cost of Construction of Your Home Building at the Commencement Date as declared by You and accepted by Us and will be the maximum amount payable in the event the Home Building is a Total Loss. ... The Sum Insured You have chosen for General Contents must be enough to cover the cost of replacement of the General Contents. ... Cover for Valuable Contents on Agreed Value Basis (under Home Contents cover):\nFor Valuable Contents, a value may be agreed upon by You and Us based on a valuation certificate submitted by You and accepted by Us.","sources":[{"clause":"4","heading":"Special meaning of certain words: Words stated in the table below have a special meaning","page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-allianz-general-insurance-company-ltd-bharat-griha-raksha-policy-irdan113rp0009v01202021/document/26683#c-4"},{"clause":null,"heading":"4. Sum Insured","page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-allianz-general-insurance-company-ltd-bharat-griha-raksha-policy-irdan113rp0009v01202021/document/26683#c-4-sum-insured"},{"clause":"6(d)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-allianz-general-insurance-company-ltd-bharat-griha-raksha-policy-irdan113rp0009v01202021/document/26683#c-6-d-2"},{"clause":"6(a)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-allianz-general-insurance-company-ltd-bharat-griha-raksha-policy-irdan113rp0009v01202021/document/26683#c-6-a-4"}],"law":[]},{"key":"under_insurance","label":"Under-insurance (average) clause","section":"Limits and co-pay","meaning":"If the sum insured is less than the real value, claims are cut in proportion.","status":"quote-verified","value":"Underinsurance does not apply to this policy; if the sum insured calculated from the information provided is less than the actual value at risk, that difference will not affect the amount paid.","display":"Underinsurance does not apply; a lower sum insured than actual value at risk will not reduce the amount paid.","note":null,"quote":"Underinsurance does not apply to this Policy. Thus, if Your Sum Insured calculated on the basis of the information that You provided, is less than the actual value at risk, the difference will not affect the amount We pay.","sources":[{"clause":null,"heading":"CLAUSE I - WAIVER OF UNDERINSURANCE","page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-allianz-general-insurance-company-ltd-bharat-griha-raksha-policy-irdan113rp0009v01202021/document/26683#c-clause-i-waiver-of-underinsurance"}],"law":[]}],"documents":[{"kind":"wording","label":"Bajaj Allianz General Insurance Company Ltd. Bharat Griha Raksha Policy (IRDAI copy)","pages":22,"fetched_at":"2026-10-20 01:33:13+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN113RP0009V01202021_GEN3873.pdf/c30a7395-db19-1485-e8e9-b2491f6846d7?version=1.1&t=1668327676709&download=true","url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-allianz-general-insurance-company-ltd-bharat-griha-raksha-policy-irdan113rp0009v01202021/document/26683"}],"versions":[{"uin":"GEN3873","version":null,"approved_on":null},{"uin":"IRDAN113RP0009V01202021","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Bajaj General Insurance official website","url":"https://www.bajajgeneralinsurance.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","url":"https://www.bajajgeneralinsurance.com/general-insurance-claims.html","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":"Online grievance form","url":"https://www.bajajgeneralinsurance.com/forms/form-online-grievance.html","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":"Bajaj Allianz General Insurance Company Ltd. Bharat Griha Raksha Policy (UIN IRDAN113RP0009V01202021), IndiaInsurances, https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-allianz-general-insurance-company-ltd-bharat-griha-raksha-policy-irdan113rp0009v01202021"}