{"uin":"IRDAN113RPMS0002V01202526","name":"Flexi Secure Plus","url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-secure-plus-irdan113rpms0002v01202526","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":"Flexi Secure Plus is a general insurance multi-cover policy where the insured coverage(s) are those described in the policy and specified in the Policy Schedule, subject to the deductible or threshold. It includes sections such as income, loan and EMI protection, business interruption, business equipment breakdown, cyber fraud, home protect, family emergency, trip and event cancellation, wallet, locker, ATM robbery, personal liability and baggage.","analysis":{"state":"machine","analysed_at":"2026-10-20 02:52:56.025151+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"The wording names coverage sections, not named plan variants.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"Group Policy Period is one year. For a Policy or Certificate, the Policy Period is the period specified in the Policy Schedule from Risk Inception Date to Risk Expiry Date; no fixed individual policy term is printed.","display":"Group: one year; individual/certificate: Policy Schedule period","note":"The wording also refers to policies with Policy Period more than 1 year, but does not print a fixed term for individual policies.","quote":"Group Policy Period means period of one year as mentioned in the respective Group Policy Schedule during which Policy Schedule will be issued to Insured Beneficiary/ies. ... Policy Period means the period specified in the Policy Schedule falling within Risk Inception Date to Risk Expiry Date.","sources":[{"clause":"17","heading":"Group Policy Period","page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-secure-plus-irdan113rpms0002v01202526/document/3317#c-17"},{"clause":"32","heading":"Policy Period","page":3,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-secure-plus-irdan113rpms0002v01202526/document/3317#c-32"}],"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":"Generally, you must immediately and in any event within 24 hours give written notice of an event giving rise to a claim. Cyber Fraud must be reported to the insurer and the bank/card/wallet/travel card issuer within 7 days upon discovery.","display":"Immediately and in any event within 24 hours; Cyber Fraud within 7 days","note":"Loss of Wallet and ATM Withdrawal Robbery also specify informing the insurer within 24 hours of discovering the loss.","quote":"You shall immediately and in any event within 24 hours give written notice of the same to Us or any of its representatives and appointees, at the address shown in the Policy Schedule read with Terms and Conditions of Policy/Group Policy for this purpose ... You report to Us and Bank / debit or credit card issuer or UPI/Mobile Wallet issuer or Travel/gift card issuer, within 7 days upon discovery of such transaction. ... You should inform Us within 24 hours of discovering the loss to make a claim.","sources":[{"clause":"45(a)","heading":null,"page":24,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-secure-plus-irdan113rpms0002v01202526/document/3317#c-45-a-30"},{"clause":"45(d)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-secure-plus-irdan113rpms0002v01202526/document/3317#c-45-d-5"},{"clause":"45(a)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-secure-plus-irdan113rpms0002v01202526/document/3317#c-45-a-23"}],"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 signed by You","Police report (FIR) for Theft and Burglary claims, Personal Liability claims","Police Final Investigation Report for Theft and Burglary claims, Personal Liability claims","Bills and invoices, valuation reports etc.","NEFT mandate with details & cancelled cheque","Any other document deemed necessary","Employment contract between the Employer and You","Pay slips for the three (3) months preceding the date of such claim","Termination letter or electronic email","Copy of Your personal identification"],"display":"Claim form, supporting documents, FIR/police reports where applicable, bills/invoices/valuation reports, NEFT mandate, and any other document demanded; for Covers 1-3 employment documents and ID","note":"The general list is indicative and additional documents may be demanded depending on the nature of claim.","quote":"i) Duly completed claim form signed by You, detailing the loss or damage that has occurred and an estimate of the quantum of any claim along with all documentation required to support and substantiate the amount sought from Us, and;\nii. Police report (FIR) for Theft and Burglary claims, Personal Liability claims\niii. Police Final Investigation Report for Theft and Burglary claims, Personal Liability claims\niv. Bills and invoices, valuation reports etc. required to support and substantiate the claim amount\nv. NEFT mandate with details & cancelled cheque\nvi. Any other document deemed necessary to establish the loss or its quantum depending upon the nature of claim. ... The documents to be submitted within 15 days from the date of such communication by Our authorized representative by You:\ni) Employment contract between the Employer and You,\nii) Pay slips for the three (3) months preceding the date of such claim;\niii) Termination letter or electronic email as provided by the Employer confirming the Your loss of job and furnishing the date of Your unemployment with the reasons for the same.\niv) Letter or electronic email from Your Employer confirming Your loss of job and furnishing the date of Your unemployment with the reasons for the same.\nv) Copy of Your personal identification, and\nvi) Any other document as requested by Us.","sources":[{"clause":"45(i)","heading":null,"page":24,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-secure-plus-irdan113rpms0002v01202526/document/3317#c-45-i-2"},{"clause":"45(b)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-secure-plus-irdan113rpms0002v01202526/document/3317#c-45-b-10"}],"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":"After receiving all relevant and necessary claim documents, the insurer will offer settlement within 30 days, or reject the claim within 30 days from receipt of the last relevant and necessary document. If the claim is not settled within 30 days, interest is payable at 2% above bank rate from receipt of the last relevant and necessary document until actual payment.","display":"Settlement or rejection within 30 days from receipt of all/last relevant documents; interest 2% above bank rate for delay","note":null,"quote":"On receipt of the all required information/ documents that are relevant and necessary for the claim, as the case may be, We shall within a period of 30 days offer a settlement of the claim to You. If We, for any reasons to be recorded in writing and communicated to You, decides to reject a claim under the Policy/Group Policy, it shall do so within a period of 30 days from the receipt of the last relevant and necessary document. ... In the event the claim is not settled within 30 days as stipulated above, We 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 You /claimant by Us till the date of actual payment","sources":[{"clause":"45(f)","heading":null,"page":24,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-secure-plus-irdan113rpms0002v01202526/document/3317#c-45-f-2"},{"clause":"45(g)","heading":null,"page":24,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-secure-plus-irdan113rpms0002v01202526/document/3317#c-45-g-2"}],"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":["Insured event(s) occurring prior to the Risk Inception Date or arising within Waiting Period as mentioned in the Policy Schedule.","Any Claim in excess of the Claim Limit as specified in the Policy Schedule.","Any Deductible under the sections opted by You and specified in the Policy Schedule.","In case where the admissible loss under any claim does not exceed the Threshold limit.","Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel.","Asbestosis or in any manner related to or arising out of the sale, manufacture, production, distribution or the like of asbestos.","Any circumstance, fact or mater of which You were or ought reasonably to have been aware prior to the commencement of the Policy Period.","War, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power","Liability more specifically insured elsewhere.","Libel, slander, false arrest, wrongful eviction, wrongful detention, defamation including mental injury, anguish or shock resulting there from.","Terrorism Damage Exclusion Warranty","Any voluntary unemployment, self-resignation, or voluntary retirement.","Any consequential or indirect loss."],"display":"Waiting period/prior event, claim limit, deductible, threshold, nuclear/radioactivity, asbestos, prior-known circumstances, war, liability insured elsewhere, defamation, terrorism, voluntary unemployment and consequential/indirect loss exclusions","note":"This is a summary of the main general exclusions and key exclusions for income/loan/EMI covers; each cover section also has its own specific exclusions.","quote":"Insured event(s) occurring prior to the Risk Inception Date or arising within Waiting Period as mentioned in the Policy Schedule. ... 1. Any Claim in excess of the Claim Limit as specified in the Policy Schedule. ... 2. Any Deductible under the sections opted by You and specified in the Policy Schedule. ... 3. In case where the admissible loss under any claim does not exceed the Threshold limit. ... 4. Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel. ... 6. Asbestosis or in any manner related to or arising out of the sale, manufacture, production, distribution or the like of asbestos. ... 7. Any circumstance, fact or mater of which You were or ought reasonably to have been aware prior to the commencement of the Policy Period. ... 8. War, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power ... 9. Liability more specifically insured elsewhere. ... 10. Libel, slander, false arrest, wrongful eviction, wrongful detention, defamation including mental injury, anguish or shock resulting there from. ... 11. Terrorism Damage Exclusion Warranty ... Any voluntary unemployment, self-resignation, or voluntary retirement. ... Any consequential or indirect loss.","sources":[{"clause":"45(b)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-secure-plus-irdan113rpms0002v01202526/document/3317#c-45-b-8"},{"clause":"45(c)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-secure-plus-irdan113rpms0002v01202526/document/3317#c-45-c-22"},{"clause":"45(e)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-secure-plus-irdan113rpms0002v01202526/document/3317#c-45-e-2"},{"clause":"45(l)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-secure-plus-irdan113rpms0002v01202526/document/3317#c-45-l"}],"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 postal address. If not satisfied, write to the Grievance Redressal Officer, then use the care specialist route or write to Head of Customer experience before approaching the Insurance Ombudsman.","display":"Level 1 Customer Experience Team; Level 2 Grievance Redressal Officer; then care specialist/Head of Customer experience before Ombudsman","note":"The wording also gives a dedicated senior citizens contact.","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 ... If you are still not satisfied, you can approach the Insurance Ombudsman in the respective area for resolving the issue.","sources":[{"clause":"45(IV)(b)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-secure-plus-irdan113rpms0002v01202526/document/3317#c-45-iv-b-3"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"not-stated","value":null,"display":null,"note":"The wording defines Deductible as a fixed amount, percentage or time period per claim, but says it is as specified in the Policy Schedule; no product-level amount is printed.","quote":null,"sources":[],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"For an individual policy, you may cancel at any time by giving at least 7 days written notice. If no claim has been made, premium is refunded on a pro-rata basis; no premium refund is made if a claim has been lodged, whether admitted or repudiated.","display":"7 days written notice; pro-rata refund if no claim; no refund if claim lodged","note":"For policies with Policy Period more than 1 year, the wording gives separate first-year and subsequent-year refund rules.","quote":"This Policy may be cancelled by You at any time by giving at least 7 days written notice to Us provided there has been no Claim made under the Policy, We will refund Premium on pro-rata basis. ... If the request for cancellation is received in First Year, the apportioned Premium for subsequent years will be refunded in full and refund of Premium for the First Year shall be on pro-rata basis. ... If the request for cancellation is received in subsequent year(s)\na) the apportioned Premium for the completed years of the Policy Period will be retained in full,\nb) refund of Premium for the ongoing year shall be on pro-rata basis.\nc) Apportioned Premium for the remaining unutilized years of the Policy Period to be refunded in full.\nNote: No Premium refund shall be made in respect of Policy on which claim has been lodged by You or a person on behalf of You, whether such claim was admitted or repudiated.","sources":[{"clause":"45(II)","heading":"Cancellation by You - (Applicable to Individual Policy)","page":26,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-secure-plus-irdan113rpms0002v01202526/document/3317#c-45-ii"},{"clause":"45(i)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-secure-plus-irdan113rpms0002v01202526/document/3317#c-45-i-4"},{"clause":"45(ii)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-secure-plus-irdan113rpms0002v01202526/document/3317#c-45-ii-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":"Territory varies by section: employment-loss cover excludes loss from employment outside India; cyber and ATM covers are tied to Indian banks, wallets or ATMs; personal liability excludes accidents outside India; baggage covers travel anywhere in India. The trip cover also contains international-travel conditions.","display":"Varies by section; several covers are India-linked or India-only, and trip cover can involve international travel","note":"The wording does not give one single geographic territory for all covers.","quote":"Any loss arising out of Your employment outside India. ... Bank Account with banks operating in India and/or ... Credit/Debit Cards issued by Banks operating in India and/or ... UPI, Mobile wallets operating in India ... Travel Cards issued by Banks operating in India ... Applicable only to international travel ... arising out of Accidents occurring outside India. ... whilst travelling anywhere in India.","sources":[{"clause":"45(m)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-secure-plus-irdan113rpms0002v01202526/document/3317#c-45-m"},{"clause":"45(a)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-secure-plus-irdan113rpms0002v01202526/document/3317#c-45-a-14"},{"clause":"45(b)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-secure-plus-irdan113rpms0002v01202526/document/3317#c-45-b-13"},{"clause":"45(c)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-secure-plus-irdan113rpms0002v01202526/document/3317#c-45-c-10"},{"clause":"45(d)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-secure-plus-irdan113rpms0002v01202526/document/3317#c-45-d-5"},{"clause":"45(e)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-secure-plus-irdan113rpms0002v01202526/document/3317#c-45-e-3"},{"clause":"45(d)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-secure-plus-irdan113rpms0002v01202526/document/3317#c-45-d-13"},{"clause":"45(c)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-secure-plus-irdan113rpms0002v01202526/document/3317#c-45-c-22"}],"law":[]},{"key":"subject_covered","label":"What is insured","section":"Cover","meaning":"The thing or risk this policy covers.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Flexi Secure Plus Policy Wordings","pages":36,"fetched_at":"2026-10-17 19:47:24+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/commercial-insurance/flexi-secure-plus/Flexi-Secure-Plus-Policy-Wordings.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-secure-plus-irdan113rpms0002v01202526/document/3317"}],"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":"Flexi Secure Plus (UIN IRDAN113RPMS0002V01202526), IndiaInsurances, https://indiainsurances.com/policy/bajaj-general-insurance/flexi-secure-plus-irdan113rpms0002v01202526"}