{"uin":"IRDAN113RP0065V01202223","name":"Bajaj General Pet Insurance Policy","url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-pet-insurance-policy-irdan113rp0065v01202223","insurer":{"slug":"bajaj-general-insurance","name":"Bajaj General Insurance Limited","url":"https://indiainsurances.com/insurer/bajaj-general-insurance"},"line":"general","category":"other-general","category_name":"Other general insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Bajaj General Pet Insurance Policy covers the named insured pet for sections such as surgery expenses, hospitalisation, mortality benefit, terminal diseases, long term care, OPD, third party liability and theft/lost/straying. The cover is restricted to claims occurring in India, and claims must be intimated within at least 24 hours from the moment of loss.","analysis":{"state":"machine","analysed_at":"2026-10-20 02:49:28.710049+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":"Annual, short term and long term policy period options are available. Short term can be less than 1 year and long term can be up to a maximum of 3 years.","display":"Annual, short term less than 1 year, or long term up to 3 years","note":"From the sales brochure.","quote":"Annual/ Short Term/ Long Term Policy Period options. ... Policy Period Policy Period can be opted as per options provided against respective covers. All covers opted under the Policy must have identical Policy Period (risk inception and risk expiry date) Short Term Policy can be opted for a period less than 1 year. Long term cover can be opted up to a maximum of 3 years.","sources":[{"clause":null,"heading":"Key features What Are The Coverage Options Available?","page":3,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-pet-insurance-policy-irdan113rp0065v01202223/document/2965#c-key-features-what-are-the-coverage-options-avail"},{"clause":null,"heading":"Bajaj General Insurance Limited","page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-pet-insurance-policy-irdan113rp0065v01202223/document/2965#c-bajaj-general-insurance-limited"}],"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":"The insured must immediately give notice to the company on the toll-free numbers within at least 24 hours from the moment of loss, and provide information and documentation requested within 15 days from that notification. For theft or stolen incidents, the policy also requires registration within 24 hours from the event of loss.","display":"Immediately, within at least 24 hours from the moment of loss; requested information and documents within 15 days","note":null,"quote":"Immediately give notice to the Company on the toll free numbers 1-800-225858 (free calls from BSNL / MTNL Lines only) and 1-800-2025858 (free calls from Bharti - Mobile/ Landline) within at least 24 hours from the moment of loss, and provide the Company with such information and documentation (in relation to the quantum of the Claim and otherwise) that the Company may request within 15 days from such notification of loss. ... You shall intimate Us by registering a Theft /stolen incidence within 24 hours from the event of loss.","sources":[{"clause":"3(a)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-pet-insurance-policy-irdan113rp0065v01202223/document/2944#c-3-a"},{"clause":"3","heading":"Any reward to anyone who","page":9,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-pet-insurance-policy-irdan113rp0065v01202223/document/2944#c-3-4"}],"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":["Duly completed Claim form","Vaccination Certificates","Death Certificate along with colored photographs of the deceased pet","Vet Medical Papers and Bill","Copy of General Diary Entry lodged by Police","FIR","Copy of advertisement","Hospital bill","Court Orders","Diagnostic Report","Any other documents if required by the Company to process the Claim"],"display":"Claim form, vaccination certificates, applicable death/vet/police/FIR/advertisement/hospital/court/diagnostic documents, and any other documents required","note":null,"quote":"f) Unless otherwise decided by Company, following basic documents will be necessary for processing of a Claim under this Policy/Group Policy -\n• Duly completed Claim form\n• Vaccination Certificates\n• Death Certificate along with colored photographs of the deceased pet (in case of Claim under Mortality Benefit Cover)\n• Vet Medical Papers and Bill (in case of Claims under Surgery Expenses & Hospitalisation Cover, Mortality Benefit Cover, Long Term Care Cover and OPD Cover)\n• Copy of General Diary Entry lodged by Police (in case of Claim under Theft / Lost / Straying Cover)\n• FIR (in case of Claim under Third Party Liability Cover)\n• Copy of advertisement (in case of Claim under Theft / Lost / Straying Cover)\n• Hospital bill (in case of Claim under Hospitalization)\n• Court Orders (in case of Claim under Third Party Liability Cover)\n• Diagnostic Report (in case of Claim under Terminal Diseases Cover, Long Term Care Cover and OPD Cover)\n• Any other documents if required by the Company to process the Claim","sources":[{"clause":"3(f)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-pet-insurance-policy-irdan113rp0065v01202223/document/2944#c-3-f"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"On receipt of all required relevant and necessary information/documents, the company shall within 30 days offer settlement or reject the claim. If not settled within 30 days, interest is payable at 2% above the bank rate from the date of receipt of the last relevant and necessary document until actual payment.","display":"Settlement or rejection within 30 days from required documents; delayed payment interest at 2% above bank rate","note":null,"quote":"On receipt of all required information/ documents that are relevant and necessary for the Claim, the Company shall, within a period of 30 days offer a settlement of the Claim to the Insured. If the Company, for any reasons, decides to reject a Claim under the Policy/Group Policy, it shall do so within a period of 30 days from the receipt of last relevant and necessary document. In the event the Claim is not settled within 30 days as stipulated above, the Company shall be liable to pay interest at a rate, which is 2% above the bank rate from the date of receipt of last relevant and necessary document from the Insured/Claimant by insurer till the date of actual payment.","sources":[{"clause":"3(d)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-pet-insurance-policy-irdan113rp0065v01202223/document/2944#c-3-d"}],"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":["20 Days waiting period for Section 1, Section 2, Section 3 and Section 6; not applicable for Claims arising out of any Accident","20 Days waiting period for Section 4, Section 5 and Section 8","Accidents occurring and/or disease contracted prior to commencement of risk","Any Claims for Diseases for which preventive medicines/vaccines has not been taken","Any Claims for Costs or fees for Experimental Procedures","Any Claims for costs incurred on alternate Treatment","Any Claim for Treatment of disease or Accidental Injury to working pet pets and Volunteer Pets","Any Claims arising outside the territorial limits of India","Any medication or Treatment not recommended by a Vet","If the Insured Pet is sold or where any financial interest whatsoever is parted with by the Insured","Any endemic disease as declared by the Indian local authorities or State or Central Government","Any Claim in respect of a pet, categorized as dangerous pets by State or Central government authority"],"display":"Waiting periods plus exclusions for prior accidents/diseases, unvaccinated diseases, experimental procedures, alternate treatment, working/volunteer pets, outside India claims, non-vet treatment, sale of pet, endemic disease and dangerous pets","note":null,"quote":"Section 1; Section 2; Section 3 Section 6 | 20 Days\nClaims arising out of any 1 Accident 2 -\nSection 4; Section 5; | 20 Days\n3 -\nSection 8 | 20 Days ... 1. Accidents occurring and/or disease contracted prior to commencement of risk. This exclusion is not applicable for the annual Policies renewed in continuity.\n2. Any Claims for Diseases for which preventive medicines/vaccines has not been taken.\n3. Any excess amount as shown on the Policy Schedule/ Certificate of Insurance against each Section.\n4. Any Claims for Costs or fees for Experimental Procedures.\n5. Any Claims for costs incurred on alternate Treatment.\n6. Any Claim for Treatment of disease or Accidental Injury to working pet pets and Volunteer Pets (unless specifically covered as provided under EXTENSION: COMMERCIAL USE OF PET). ... 9. Any Claims arising outside the territorial limits of India.\n10. The confiscation or destruction of Insured Pet by Government or Public Authorities, or under applicable laws\n11. The Insured breaking any laws, or regulations, including those relating to animal health or importation.\n12. Any medication or Treatment not recommended by a Vet.\n13. Where fraud has been committed against the Company or where false information has been provided to the Company.\n14. If the Insured Pet is sold or where any financial interest whatsoever is parted with by the Insured, whether temporarily or permanently.\n15. Any endemic disease as declared by the Indian local authorities or State or Central Government. ... 20. Any Claim in respect of a pet, categorized as dangerous pets by State or Central government authority.","sources":[{"clause":"3","heading":"Any reward to anyone who","page":9,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-pet-insurance-policy-irdan113rp0065v01202223/document/2944#c-3-4"}],"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 the Customer Experience Team through the website, toll-free number, email or written address. If not satisfied, write to the Grievance Redressal Officer, then use the care specialist missed call/SMS route, and then write to the Head of Customer experience before approaching the Insurance Ombudsman.","display":"Level 1 Customer Experience Team; Level 2 Grievance Redressal Officer; Level 3 care specialist; then Head of Customer experience","note":null,"quote":"Level 1 In case you have any concern, you may please reach out to our Customer Experience Team through any of the following options:\n• Our Website www.bajajgeneralinsurance.com\n• Call us on our Toll free no 1800 209 5858\n• Mail us on careforyou@bajajgeneral.com\n• Write to Bajaj General Insurance Limited Bajaj Insurance House, Airport Road, Yerwada Pune- 411006\nLevel 2 In case you are not satisfied with the response given to you by our team, you may write to our Grievance Redressal Officer at ggro@bajajgeneral.com\nLevel 3 If in case, your grievance is not resolved and you wish to talk to our care specialist, please Give a missed on +91 80809 45060 OR SMS to 575758 and our care specialist will call you back\nIf you are still not satisfied with the solutions provided, write to Head of Customer experience directly at head.customerservice@bajajgeneral.com","sources":[{"clause":"3(b)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-pet-insurance-policy-irdan113rp0065v01202223/document/2944#c-3-b-5"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["Surgical expenses for Treatment of the Insured Pet necessitated by an Accident/Illness","in-patient Treatment for an Illness or Accidental Injury to the Insured Pet","Insured Pet dies because of an Illness or Accident or vet euthanasia to alleviate incurable and inhumane suffering","Terminal diseases listed for dogs and cats","Illnesses listed below and require long term care","OPD Treatment for listed illnesses and accidental bodily injury","Bodily Injury and/or property damage and/or sickness and/or Death of a Third Party involving the Insured Pet","permanent loss as a result of Insured Pet being Lost or stolen or strayed"],"display":"Surgery, hospitalisation, mortality, terminal diseases, long term care, OPD, third party liability, and theft/lost/straying","note":"Section availability and limits are as opted and specified in the Policy Schedule/Certificate of Insurance.","quote":"We shall indemnify You for Surgical expenses incurred by You for Treatment of the Insured Pet under this Policy/Group Policy. This Treatment must be carried out by a Vet at his/her Veterinary Clinic and/or Veterinary Hospital and should be necessitated by an Accident/Illness occurring to the Insured Pet during the Policy Period/ Cover Period. ... We shall indemnify You for all reasonable and customary charges made for in-patient Treatment for an Illness or Accidental Injury to the Insured Pet, carried out in a Veterinary Hospital and necessitated/ Medically Required by an Incident occurring to the Insured Pet during the Policy Period/ Cover Period ... We shall pay the Sum Insured as shown on the Policy Schedule/ Certificate of Insurance, if the Insured Pet dies because of\n- an Illness or\n- Accident or\n- as a result of the Vet putting Insured Pet to sleep in order to alleviate its incurable and inhumane suffering due to an Illness or Accident during the Policy Period/ Cover Period. ... if the Insured Pet is diagnosed as suffering from any of the Terminal diseases listed as below, which first occurs or manifests itself during the Policy Period/ Cover Period ... if the Insured Pet is diagnosed as suffering from any of the Illnesses listed below and require long term care, which first occurs or manifests itself during the Policy Period/ Cover Period. ... We shall indemnify You for the costs incurred by You for the Treatment of the Insured Pet, carried out by a Vet at his/her Veterinary Clinic, up to the amount of INR 30000 for the following Illnesses: ... We shall pay You, if You become liable to pay for any Bodily Injury and/or property damage and/or sickness and/or Death of a Third Party due to any one event or multiple events occurring during the Policy Period/ Cover Period involving the Insured Pet. ... We shall pay You the lump sum amount set against this Section as shown on the Policy Schedule/ Certificate of Insurance, in respect of permanent loss as a result of Insured Pet being Lost or stolen or strayed and no recovery having been made after 45 days despite appropriate attempts to trace the Insured Pet including advertising and reward.","sources":[{"clause":"Section 1","heading":"SURGERY EXPENSES","page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-pet-insurance-policy-irdan113rp0065v01202223/document/2944#c-section-1"},{"clause":"Section 2","heading":"HOSPITALISATION COVER","page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-pet-insurance-policy-irdan113rp0065v01202223/document/2944#c-section-2"},{"clause":"Section 3","heading":"MORTALITY BENEFIT","page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-pet-insurance-policy-irdan113rp0065v01202223/document/2944#c-section-3"},{"clause":"Section 4","heading":"TERMINAL DISEASES COVER","page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-pet-insurance-policy-irdan113rp0065v01202223/document/2944#c-section-4"},{"clause":"Section 5","heading":"LONG TERM CARE COVER","page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-pet-insurance-policy-irdan113rp0065v01202223/document/2944#c-section-5"},{"clause":"Section 6","heading":"OPD COVER","page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-pet-insurance-policy-irdan113rp0065v01202223/document/2944#c-section-6"},{"clause":"Section 7","heading":"THIRD PARTY LIABILITY COVER","page":8,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-pet-insurance-policy-irdan113rp0065v01202223/document/2944#c-section-7"},{"clause":"Section 8","heading":"THEFT/LOST/STRAYING COVER","page":8,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-pet-insurance-policy-irdan113rp0065v01202223/document/2944#c-section-8"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"quote-verified","value":"For OPD Cover, a compulsory deductible of 10% of the claim amount, subject to a minimum of Rs. 1000, applies on each and every claim. For other covers, the deductible is the amount stated in the Policy Schedule/Certificate of Insurance and is borne for each and every claim.","display":"OPD: 10% of claim amount, minimum Rs. 1000; other deductibles as stated in the Schedule/Certificate","note":"The wording does not print a fixed rupee deductible for all sections; it points to the Policy Schedule/Certificate of Insurance except where OPD states the compulsory deductible.","quote":"Deductible:\nA compulsory Deductible of 10% of the Claim amount, subject to a minimum of Rs. 1000, is applicable on each and every Claim. ... “Deductible” means the amount stated in the Policy Schedule/Certificate of Insurance, which shall be borne by the Insured in respect of each and every Claim made for the Insured Pet under this Policy/Group Policy. The Company’s liability to make any payment under the Policy/Group Policy is in excess of the Deductible.","sources":[{"clause":"Section 6","heading":"OPD COVER","page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-pet-insurance-policy-irdan113rp0065v01202223/document/2944#c-section-6"},{"clause":"8","heading":"“Deductible”","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-pet-insurance-policy-irdan113rp0065v01202223/document/2944#c-8"}],"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":"For an individual policy, the insured may cancel at any time by giving at least 15 days written notice if no claim has been made. The annual short-period refund scale is 100% up to 15 days, 67% for 16 to 60 days, 59% for 61 to 90 days, 51% for 91 to 120 days, 43% for 121 to 150 days, 35% for 151 to 180 days, and nil for 181 to 365 days.","display":"15 days written notice; if no claim, refund 100% up to 15 days, 67% 16-60, 59% 61-90, 51% 91-120, 43% 121-150, 35% 151-180, nil 181-365","note":"Short Term Policies issued for a period less than one year cannot be cancelled; no refund is made if a claim has been lodged.","quote":"This Policy may be cancelled by the Insured at any time by giving at least 15 days written notice to the Company provided there has been no Claim made under the Policy, the Company will refund premium according to the Company's short- period scale rated as mentioned below. Annual Short Period Cancellation Scale\nCancellation Period (Days) | Refund Amount as percentage of\nAnnual Premium amount (excluding GST)\nUp to 15 days | 100%\n16 to 60 days | 67%\n61 to 90 days | 59%\n91 to 120 days | 51%\n121 to 150 days | 43%\n151 to 180 days | 35%\n181 to 365 days | Nil\nNote: Short Term Policies issued for a period less than one year, cannot be cancelled ... Note: 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.","sources":[{"clause":"3(f)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-pet-insurance-policy-irdan113rp0065v01202223/document/2944#c-3-f"},{"clause":"3(c)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-pet-insurance-policy-irdan113rp0065v01202223/document/2944#c-3-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":"quote-verified","value":"The cover is restricted to claims occurring in India, determined according to Indian law, and payment is made in Indian Rupees only.","display":"Claims occurring in India; Indian law; Indian Rupees only","note":null,"quote":"Territorial Limits: The cover provided under this Policy/Group Policy is restricted to Claims occurring in India, and determined according to Indian Law, and the obligation of the Company to make payment or shall make payment in Indian Rupees only.","sources":[{"clause":"3(b)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-pet-insurance-policy-irdan113rp0065v01202223/document/2944#c-3-b-5"}],"law":[]},{"key":"subject_covered","label":"What is insured","section":"Cover","meaning":"The thing or risk this policy covers.","status":"quote-verified","value":"The policy insures the named pet specified in the Policy Schedule or Certificate of Insurance. The insured is the pet owner who insures the pet and is shown in the Schedule or Certificate of Insurance.","display":"The named pet specified in the Policy Schedule/Certificate of Insurance","note":null,"quote":"“Insured Pet” shall mean the named pet specified in the Policy Schedule/ Certificate of Insurance. ... “Insured”, “You”, “Your”, “Policy Holder” means the pet owner who insures the pet and as shown in the Schedule/ Certificate of Insurance.","sources":[{"clause":"20","heading":"“Insured Pet”","page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-pet-insurance-policy-irdan113rp0065v01202223/document/2944#c-20"},{"clause":"21","heading":"“Insured”, “You”, “Your”, “Policy Holder”","page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-pet-insurance-policy-irdan113rp0065v01202223/document/2944#c-21"}],"law":[]}],"documents":[{"kind":"wording","label":"Bajaj General Pet Insurance Policy Policy Wordings","pages":21,"fetched_at":"2026-10-17 19:33:52+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/pet-insurance/Pet-Insurance-Policy-Wordings-Final.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-pet-insurance-policy-irdan113rp0065v01202223/document/2944"},{"kind":"brochure","label":"Bajaj General Pet Insurance Policy Brochure","pages":15,"fetched_at":"2026-10-17 19:34:16+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/pet-insurance/PET-Brochure-Final.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-pet-insurance-policy-irdan113rp0065v01202223/document/2965"},{"kind":"brochure","label":"Bajaj General Pet Insurance Policy Policy Wordings","pages":2,"fetched_at":"2026-10-17 19:43:10+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/pet-insurance/Pet-Dog-Insurance-Leaflet.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-pet-insurance-policy-irdan113rp0065v01202223/document/3205"}],"versions":[],"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 General Pet Insurance Policy (UIN IRDAN113RP0065V01202223), IndiaInsurances, https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-pet-insurance-policy-irdan113rp0065v01202223"}