{"uin":"IRDAN123CP0028V01201819","name":"Chola Total Home Protect Policy","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-total-home-protect-policy-irdan123cp0028v01201819","insurer":{"slug":"cholamandalam-ms-general-insurance","name":"Cholamandalam MS General Insurance Company Limited","url":"https://indiainsurances.com/insurer/cholamandalam-ms-general-insurance"},"line":"general","category":"home","category_name":"Home insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Chola Total Home Protect Policy is a home package policy covering building and contents against fire, lightning, explosion, aircraft impact, riot, strike or malicious act, earthquake, flood, storm, cyclone, impact damage, water tank bursting, missile testing, sprinkler leakage and bush fire. It also has section-wise covers such as burglary, jewellery and valuables, domestic appliances, electronic equipment, baggage, plate glass, personal accident and liability, with deductibles varying by section.","analysis":{"state":"machine","analysed_at":"2026-10-20 02:58:16.766197+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 documents describe sections and optional covers, but do not name separate plans or 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":"not-stated","value":null,"display":null,"note":"The wording refers to the period of insurance stated in the schedule, but no fixed policy term is printed.","quote":null,"sources":[],"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 give immediate notice to the company and, within Fourteen (14) days thereafter, furnish detailed particulars of the amount of loss or damage with explanations and evidence required by the company.","display":"Immediate notice; detailed particulars within Fourteen (14) days thereafter","note":null,"quote":"Give immediate notice thereof to the Company and shall within Fourteen (14) days thereafter furnish to the Company at his own expense, detailed particulars of the amount of the loss or damage together with such explanations and evidence to substantiate the claim as the Company may require.","sources":[{"clause":"4(b)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-total-home-protect-policy-irdan123cp0028v01201819/document/4870#c-4-b-2"}],"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","FIR/FR","Proof in support of Cause of Loss/Operation of Insured peril","Books of Accounts","Stock Register","Repair / Reinstatement Bills","Proof of Reinstatement","KYC documents PAN, ROC certificate, Aadhar, GST Registration Cert Etc.","Any other Document"],"display":"Claim form, FIR/FR, proof of cause of loss/insured peril, books of accounts, stock register, repair/reinstatement bills, proof of reinstatement, KYC documents and any other document","note":"From the prospectus; the policy wording requires detailed particulars, explanations and evidence, but does not print this document list.","quote":"Documents required for Claim processing:\na) Claim form,\nb) FIR/FR,\nc) Proof in support of Cause of Loss/Operation of Insured peril,\nd) Books of Accounts,\ne) Stock Register,\nf) Repair / Reinstatement Bills,\ng) Proof of Reinstatement,\nh) KYC documents PAN, ROC certificate, Aadhar, GST Registration Cert Etc.,\ni) Any other Document,","sources":[{"clause":null,"heading":"CANCELLATION","page":3,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-total-home-protect-policy-irdan123cp0028v01201819/document/4820#c-cancellation"}],"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":"Turn Around Time for claims settlement is 21 working days.","display":"21 working days","note":"From the prospectus; the wording does not state when the 21 working days are counted from.","quote":"Turn Around Time for claims settlement is 21 working days.","sources":[{"clause":null,"heading":"CANCELLATION","page":3,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-total-home-protect-policy-irdan123cp0028v01201819/document/4820#c-cancellation"}],"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":["Loss, destruction or damage, caused by war, invasion, act of foreign enemy, hostilities or war like operations","Loss or damage caused by depreciation or wear and tear.","Loss of earnings, loss by delay, loss of market or other consequential or indirect loss or damage","Nuclear weapons material, or ionizing radiations or contamination by radioactivity","Pollution or contamination","Loss of or damage to livestock, motor vehicles, and pedal cycles","Loss, destruction or damage to bullion or unset precious stones, any curios or works of art for an amount exceeding Rs.10,000/-","The first 5% of each and every claim subject to a minimum of Rs. 10,000/- in respect of each and every loss arising out of Earthquake.","Loss by theft during or after the occurrence of any insured peril except as provided under Riot, Strike, Malicious damage cover.","Loss or damage to property insured if removed to any building or place other than in which it is herein stated to be insured"],"display":"War and war-like events; depreciation or wear and tear; consequential or indirect loss; nuclear/radioactive risks; pollution or contamination; livestock, motor vehicles and pedal cycles; specified valuables above Rs.10,000/-; earthquake excess; theft during or after insured peril except riot/strike/malicious damage; property removed from the insured location","note":null,"quote":"Loss, destruction or damage, caused by war, invasion, act of foreign enemy, hostilities or war like operations (whether war be declared or not) civil war, mutiny, civil commotion assuming the proportions of or amounting to a popular rising, rebellion, revolution, insurrection, or, military, or, usurped power. ... Loss or damage caused by depreciation or wear and tear. ... Loss of earnings, loss by delay, loss of market or other consequential or indirect loss or damage of any kind or description whatsoever including those caused by spoilage resulting from the retardation or interruption or cessation of any process or operation caused by operation of any of the perils covered. ... Nuclear weapons material, or ionizing radiations or contamination by radioactivity ... Pollution or contamination ... Loss of or damage to livestock, motor vehicles, and pedal cycles\nII. “Loss, destruction or damage to bullion or unset precious stones, any curios or works of art for an amount exceeding Rs.10,000/- ... The first 5% of each and every claim subject to a minimum of Rs. 10,000/- in respect of each and every loss arising out of Earthquake. ... Loss by theft during or after the occurrence of any insured peril except as provided under Riot, Strike, Malicious damage cover. ... Loss or damage to property insured if removed to any building or place other than in which it is herein stated to be insured","sources":[{"clause":"1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-total-home-protect-policy-irdan123cp0028v01201819/document/4870#c-1"},{"clause":"2","heading":null,"page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-total-home-protect-policy-irdan123cp0028v01201819/document/4870#c-2"},{"clause":"3","heading":null,"page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-total-home-protect-policy-irdan123cp0028v01201819/document/4870#c-3"},{"clause":"4(a)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-total-home-protect-policy-irdan123cp0028v01201819/document/4870#c-4-a"},{"clause":"4(b)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-total-home-protect-policy-irdan123cp0028v01201819/document/4870#c-4-b"},{"clause":"Section I(I)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-total-home-protect-policy-irdan123cp0028v01201819/document/4870#c-section-i-i"}],"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":"The first route is to send the grievance in writing by post or email to the insurer's Grievance Redressal Officer, or approach the grievance cell at a company branch; if not satisfied, the insured may contact the grievance officer at GRO@cholams.murugappa.com before approaching the Insurance Ombudsman.","display":"Write to the Grievance Redressal Officer or branch grievance cell; then GRO@cholams.murugappa.com; then Insurance Ombudsman if not satisfied","note":null,"quote":"You can send Your grievance in writing by post or email to Our Grievance Redressal Officer at the following address:\nIn case of any grievance the insured person may contact the company through Website : www.cholainsurance.com Toll free : 1800 208 9100 E-Mail : customercare@cholams.murugappa.com Fax : 044 -4044 5550 Courier : Cholamandalam MS General Insurance Company Limited, Customer services, Head Office Dare House 2nd floor, No 2 N.S.C. Bose Road, Chennai 600 001 Insured person may also approach the grievance cell at any of the company’s branches with the details of grievance. If insured person is not satisfied with the redressal of grievance through one of the above methods, insured person may contact the grievance officer at GRO@cholams.murugappa.com","sources":[{"clause":"1","heading":"OUR GRIEVANCE REDRESSAL OFFICER","page":9,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-total-home-protect-policy-irdan123cp0028v01201819/document/4870#c-1-8"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["Fire","Lightning","Explosion and Implosion","Aircraft or articles dropped therefrom","Riot, Strike or Malicious Act","Earthquake Fire and/or Shock, Subsidence and Landslide (including Rockslide) damage","Flood, Inundation, Storm, Tempest, Typhoon, Hurricane, Tornado, or Cyclone","Impact damages","Subsidence and Landslide including Rockslide","Bursting and/or overflowing of Water tanks, apparatus, and pipes","Missile testing operations","Leakage from automatic sprinkler installations","Bush Fire"],"display":"Fire; lightning; explosion and implosion; aircraft or articles dropped; riot, strike or malicious act; earthquake fire/shock, subsidence and landslide; flood, inundation, storm, tempest, typhoon, hurricane, tornado or cyclone; impact damage; water tank/pipe bursting or overflowing; missile testing; sprinkler leakage; bush fire","note":"This lists the building and contents perils in Section I and Section II.","quote":"Fire. ... Lightning.\nc) Explosion and Implosion. ... Aircraft or articles dropped therefrom. ... Riot, Strike or Malicious Act. ... Earthquake Fire and/or Shock, Subsidence and Landslide (including Rockslide) damage\ng) Flood, Inundation, Storm, Tempest, Typhoon, Hurricane, Tornado, or Cyclone\nh) Impact damages: ... Subsidence and Landslide including Rockslide. ... Bursting and/or overflowing of Water tanks, apparatus, and pipes.\nk) Missile testing operations.\nl) Leakage from automatic sprinkler installations. ... Bush Fire.","sources":[{"clause":"Section I(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-total-home-protect-policy-irdan123cp0028v01201819/document/4870#c-section-i-a"},{"clause":"Section I(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-total-home-protect-policy-irdan123cp0028v01201819/document/4870#c-section-i-c"},{"clause":"Section I(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-total-home-protect-policy-irdan123cp0028v01201819/document/4870#c-section-i-b-2"},{"clause":"Section I(b)(iv)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-total-home-protect-policy-irdan123cp0028v01201819/document/4870#c-section-i-b-iv"},{"clause":"Section I(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-total-home-protect-policy-irdan123cp0028v01201819/document/4870#c-section-i-b-3"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"quote-verified","value":"The policy has no single deductible; it varies by section. Earthquake claims have 5% of each claim subject to a minimum of Rs. 10,000/-; burglary has 5% of the claim amount subject to a minimum of Rs. 1000; public liability has the first Rs.2500 of each claim; jewellery, domestic appliance breakdown, baggage and plate glass each have the first Rs.1000; domestic electronic equipment has 5% subject to a minimum of Rs.2500, and laptops have 5% subject to a minimum of Rs.7500.","display":"Varies by section: earthquake 5% min Rs. 10,000/-; burglary 5% min Rs. 1000; public liability first Rs.2500; jewellery/appliances/baggage/plate glass first Rs.1000; electronics 5% min Rs.2500, laptops 5% min Rs.7500","note":null,"quote":"The first 5% of each and every claim subject to a minimum of Rs. 10,000/- in respect of each and every loss arising out of Earthquake. ... Deductible: 5% of the claim amount subject to a minimum of Rs. 1000 for each and every loss. ... Deductible: The Company is not liable to pay the first Rs.2500 of each and every claim. ... Deductible: The Company is not liable to pay the first Rs.1000 of each and every claim. ... Deductible: The Company is not liable to pay the first Rs.1000 of each and every claim. ... Deductible: The Company is not liable to pay the first 5% of the claim amount subject to a minimum of Rs.2500 of each and every claim. In respect of laptops, the Company is not liable to pay the first 5% of the claim amount subject to a minimum of Rs.7500 of each and every claim. ... Deductible: The Company is not liable to pay the first Rs.1000 of each and every claim. ... Deductible: The Company is not liable to pay the first Rs.1000 of each and every claim.","sources":[{"clause":"Section I(I)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-total-home-protect-policy-irdan123cp0028v01201819/document/4870#c-section-i-i"},{"clause":null,"heading":"Special Exclusions","page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-total-home-protect-policy-irdan123cp0028v01201819/document/4870#c-special-exclusions-2"},{"clause":null,"heading":"Special Exclusions","page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-total-home-protect-policy-irdan123cp0028v01201819/document/4870#c-special-exclusions-4"},{"clause":null,"heading":"Special Exclusions","page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-total-home-protect-policy-irdan123cp0028v01201819/document/4870#c-special-exclusions-5"},{"clause":null,"heading":"Special Exclusions","page":6,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-total-home-protect-policy-irdan123cp0028v01201819/document/4870#c-special-exclusions-6"},{"clause":null,"heading":"Special Exclusions","page":6,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-total-home-protect-policy-irdan123cp0028v01201819/document/4870#c-special-exclusions-7"},{"clause":null,"heading":"Special Exclusions","page":7,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-total-home-protect-policy-irdan123cp0028v01201819/document/4870#c-special-exclusions-8"},{"clause":null,"heading":"Exclusions","page":7,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-total-home-protect-policy-irdan123cp0028v01201819/document/4870#c-exclusions"}],"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":"The insured may give 7 days’ notice in writing to cancel. If there has been no claim reported, the company retains premium for the time on risk at its short period scales: 15 days 10%, 1 month 15%, 2 month 30%, 3 month 40%, 4 month 50%, 5 month 60%, 6 month 70%, 7 month 75%, 8 month 80%, 9 month 85%, and exceeding 9 months full annual rate.","display":"Cancel with 7 days’ written notice; if no claim, refund after short-period retention from 10% up to full annual rate","note":null,"quote":"The Insured may also give 7 days’ notice in writing, to the Company, for the cancellation of this policy in which case the company shall retain the premium for the period this policy has been in force at the Company's customary short period scales, provided there has been no claim reported under the Policy.\nPeriod not exceeding | % of the annual rate\n15 days | 10\n1 month | 15\n2 month | 30\n3 month | 40\n4 month | 50\n5 month | 60\n6 month | 70\n7 month | 75\n8 month | 80\n9 month | 85\nExceeding 9 months | Full annual rate","sources":[{"clause":null,"heading":"General Conditions","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-total-home-protect-policy-irdan123cp0028v01201819/document/4870#c-general-conditions"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"not-stated","value":null,"display":null,"note":"The wording generally refers to insured premises or the schedule, which is not a geographic territory answer. One section states baggage cover during travel anywhere in India, but the product does not state one overall territory.","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 company indemnifies loss of or damage to the Building at the insured premises by the listed insured perils, paying the value at the time of loss or damage up to the sum set in the Schedule. The wording does not state a separate reinstatement or market-value basis for setting the building sum insured.","display":"Building covered at insured premises for listed perils; paid at value at time of loss, up to the Schedule sum insured","note":null,"quote":"The company hereby agrees subject to the terms and conditions contained herein or endorsed or otherwise expressed hereon that if the Insured shall sustain loss or damage to property ... the Company will pay to the Insured the value, at the time of happening of such loss or damage of the property so lost or damaged ... but not exceeding in any one period of insurance in respect of each of the several items specified herein the sum set opposite thereto respectively in the Schedule; ... The Company will indemnify the Insured in respect of loss of or damage to the Building/contents, whilst contained in the insured premises by","sources":[{"clause":null,"heading":"CHOLA TOTAL HOME PROTECT POLICY","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-total-home-protect-policy-irdan123cp0028v01201819/document/4870#c-chola-total-home-protect-policy"},{"clause":"Section I","heading":"Building & Section II – Contents (Excluding cash and Valuables)","page":2,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-total-home-protect-policy-irdan123cp0028v01201819/document/4870#c-section-i"}],"law":[]},{"key":"contents_cover","label":"Contents cover","section":"Cover","meaning":"Cover for household goods, jewellery and valuables, and limits.","status":"quote-verified","value":"The policy covers loss of or damage to contents while contained in the insured premises under Section II, excluding cash and valuables. Bullion, unset precious stones, curios or works of art above Rs.10,000/- and listed documents or money are excluded unless expressly stated; jewellery and valuables are covered only under the rider/section if specified in the Schedule, with items worn on person limited to Rs.2,00,000/-.","display":"Contents covered at insured premises; cash and valuables excluded unless expressly/specially covered; jewellery and valuables section covers specified items, worn on person up to Rs.2,00,000/-","note":"Jewellery and valuables are under the rider section and apply only if that section is opted.","quote":"Section I Building & Section II – Contents (Excluding cash and Valuables) ... The Company will indemnify the Insured in respect of loss of or damage to the Building/contents, whilst contained in the insured premises by ... “Loss, destruction or damage to bullion or unset precious stones, any curios or works of art for an amount exceeding Rs.10,000/-, manuscripts, plans, drawings, securities, obligations or documents of any kind, stamps, coins or paper money, cheques, books of accounts or other business books, computer systems records, explosives unless otherwise expressly stated in the policy”. ... RIDERS - Applicable only on sections opted ... The Company will indemnify the Insured or any member of the family as declared in the proposal in respect of loss of or damage to jewellery and valuables specified in the Schedule caused by Accident or Misfortune whilst (a) kept in a secured and locked cupboard an/or safe, (b) kept in a bank locker, (c) worn on person (for an amount not exceeding Rs.2,00,000/-).","sources":[{"clause":"Section I","heading":"Building & Section II – Contents (Excluding cash and Valuables)","page":2,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-total-home-protect-policy-irdan123cp0028v01201819/document/4870#c-section-i"},{"clause":"Section I(I)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-total-home-protect-policy-irdan123cp0028v01201819/document/4870#c-section-i-i"},{"clause":null,"heading":"RIDERS - Applicable only on sections opted","page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-total-home-protect-policy-irdan123cp0028v01201819/document/4870#c-riders-applicable-only-on-sections-opted"},{"clause":"Section VI","heading":"Jewellery and Valuables","page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-total-home-protect-policy-irdan123cp0028v01201819/document/4870#c-section-vi"}],"law":[]},{"key":"burglary","label":"Burglary and theft","section":"Cover","meaning":"Whether burglary is covered.","status":"quote-verified","value":"Burglary and housebreaking, including theft, are covered for contents while contained in the insured premises, where theft involves forcible and violent entry or exit or follows assault, violence or threat. The section excludes burglary/theft involving an employee or family member and applies a deductible of 5% of the claim amount subject to a minimum of Rs. 1000 for each loss.","display":"Yes, contents in the insured premises are covered for burglary and/or housebreaking including theft","note":null,"quote":"The Company will indemnify the Insured in respect of loss or damage to the contents whilst contained in the insured premises by burglary and/or housebreaking. The terms Burglary and/or House breaking shall, for the purpose of this Insurance and liability of the Company hereunder, mean\na) Theft involving entry into or exit from the insured premises by forcible and violent means or\nb) Theft following assault or violence or threat to the Insured or any employee of the Insured or member of the Insured's family. ... Loss or damage by Burglary and/or Housebreaking including Theft where any employee of the Insured or member of the Insured's family is involved as principal or accessory. ... Deductible: 5% of the claim amount subject to a minimum of Rs. 1000 for each and every loss.","sources":[{"clause":"Section III","heading":"Burglary and Housebreaking (Including Theft)","page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-total-home-protect-policy-irdan123cp0028v01201819/document/4870#c-section-iii"},{"clause":null,"heading":"Special Exclusions","page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-total-home-protect-policy-irdan123cp0028v01201819/document/4870#c-special-exclusions-2"}],"law":[]},{"key":"rent_loss","label":"Rent and alternative accommodation","section":"Cover","meaning":"Cover for rent lost or a temporary home after damage.","status":"conflicting","value":"Under the policy wording, additional rent for alternative accommodation is an add-on cover available on payment of additional premium when the insured premises are destroyed or damaged by an insured peril and become unfit for occupation; liability is capped at the amount stated in the schedule.","display":"Alternative accommodation rent is an add-on on payment of additional premium, capped by the schedule","note":"Policy wording treats alternative accommodation rent as an add-on for additional premium. Prospectus says: \"Inbuilt Cover: Loss of Rent - upto 3 yrs., Rent for Alternative Accommodation- upto 3 yrs.\"","quote":"Additional Expenses of Rent for an Alternative Accommodation (add on cover) ... In consideration of payment of additional premium it is hereby agreed and declared that in the event of the premises described in the policy of insurance and occupied by the insured, hereinafter referred to as ‘premises’ being destroyed or damaged by any Insured Peril as to become unfit for occupation and the insured in consequence taking up alternative accommodation, the insurer shall, subject to special conditions set out herein, indemnify the insured against the additional rent ... Provided that the liability of the insurer shall not exceed the amount stated in schedule as the sum insured hereby. ... Inbuilt Cover: Loss of Rent - upto 3 yrs., Rent for Alternative Accommodation- upto 3 yrs.","sources":[{"clause":null,"heading":"Additional Expenses of Rent for an Alternative Accommodation (add on cover)","page":3,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-total-home-protect-policy-irdan123cp0028v01201819/document/4870#c-additional-expenses-of-rent-for-an-alternative-a"},{"clause":"1.1","heading":null,"page":3,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-total-home-protect-policy-irdan123cp0028v01201819/document/4870#c-1-1"},{"clause":"1.2","heading":null,"page":3,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-total-home-protect-policy-irdan123cp0028v01201819/document/4870#c-1-2"},{"clause":null,"heading":"STANDARD COVER","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-total-home-protect-policy-irdan123cp0028v01201819/document/4820#c-standard-cover"}],"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":"The prospectus states Home Building may have any sum insured and Home Contents may have any sum insured, with item-wise sum insured required. The wording says claim payment is capped by the sums set opposite each item in the Schedule.","display":"Home Building - Any SI; Home Contents - Any SI with item wise SI required; capped by Schedule sums","note":"The documents do not expressly label the basis as market value, reinstatement value or agreed value.","quote":"i. Home Building - Any SI\nii. Home Contents - Any SI (Item wise SI is required) ... but not exceeding in any one period of insurance in respect of each of the several items specified herein the sum set opposite thereto respectively in the Schedule;","sources":[{"clause":null,"heading":"SUM INSURED","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-total-home-protect-policy-irdan123cp0028v01201819/document/4820#c-sum-insured"},{"clause":null,"heading":"CHOLA TOTAL HOME PROTECT POLICY","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-total-home-protect-policy-irdan123cp0028v01201819/document/4870#c-chola-total-home-protect-policy"}],"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":"conflicting","value":"Under the policy wording, if at the time of loss the value of insured property is greater than the sum insured, the insured is treated as own insurer for the uninsured portion; this average condition applies only to the building section.","display":"Average applies to building if property value exceeds sum insured","note":"Policy wording applies average to building. Prospectus says: \"Complete waiver of underinsurance.\"","quote":"If at the time of loss or damage happening to any property hereby insured, the value of such property is collectively of greater value than the sum insured, the Insured shall be considered as his own insurer for such portion of the loss as the total sum insured bears to the total value of the property insured. This condition shall apply only to the section covering building. ... Complete waiver of underinsurance.","sources":[{"clause":"4(d)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-total-home-protect-policy-irdan123cp0028v01201819/document/4870#c-4-d"},{"clause":null,"heading":"STANDARD COVER","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-total-home-protect-policy-irdan123cp0028v01201819/document/4820#c-standard-cover"}],"law":[]}],"documents":[{"kind":"wording","label":"CHOLA TOTAL HOME PROTECT POLICY (C).pdf","pages":9,"fetched_at":"2026-10-17 19:39:27+00","source_url":"https://www.cholainsurance.com/documents/20121/o/CHOLA%20TOTAL%20HOME%20PROTECT%20POLICY%20(C).pdf/48106d54-a6b1-54c5-bbb6-4e4730b68da9","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-total-home-protect-policy-irdan123cp0028v01201819/document/4870"},{"kind":"wording","label":"Home Package Policy - Griha Raksha - Policy Wording.pdf","pages":24,"fetched_at":"2026-10-17 19:39:44+00","source_url":"https://www.cholainsurance.com/documents/20121/o/Home%20Package%20Policy%20-%20Griha%20Raksha%20-%20Policy%20Wording.pdf/1555d54f-f813-bdf6-e006-dc22c5f5b298","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-total-home-protect-policy-irdan123cp0028v01201819/document/4887"},{"kind":"prospectus","label":"Prospectus-Chola Total Home Protect Policy-Commercial.pdf","pages":5,"fetched_at":"2026-10-17 19:38:28+00","source_url":"https://www.cholainsurance.com/documents/20121/o/Prospectus-Chola%20Total%20Home%20Protect%20Policy-Commercial.pdf/7b4478ae-27f5-97e6-81dd-f87153c681df","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-total-home-protect-policy-irdan123cp0028v01201819/document/4820"},{"kind":"prospectus","label":"Prospectus-Home Package Policy-Griha Raksha.pdf","pages":12,"fetched_at":"2026-10-17 19:38:40+00","source_url":"https://www.cholainsurance.com/documents/20121/o/Prospectus-Home%20Package%20Policy-Griha%20Raksha.pdf/9c4f7c79-0296-d245-ebf7-1b865753b3e5","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-total-home-protect-policy-irdan123cp0028v01201819/document/4830"},{"kind":"cis","label":"CIS-Chola Total Home Protect Policy.pdf","pages":6,"fetched_at":"2026-10-17 19:38:05+00","source_url":"https://www.cholainsurance.com/documents/20121/o/CIS-Chola%20Total%20Home%20Protect%20Policy.pdf/ece7630c-d014-e649-4ae7-fd289b2f59e3","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-total-home-protect-policy-irdan123cp0028v01201819/document/4803"},{"kind":"cis","label":"CIS-Home Package Policy - Griha Raksha.pdf","pages":5,"fetched_at":"2026-10-17 19:38:18+00","source_url":"https://www.cholainsurance.com/documents/20121/o/CIS-Home%20Package%20Policy%20-%20Griha%20Raksha.pdf/d77e800d-5721-e8d7-3cf1-fa038fabfdb5","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-total-home-protect-policy-irdan123cp0028v01201819/document/4813"},{"kind":"rider","label":"Add on Cover - Personal and Tenant Liability (C) - Chola Total Home Protect Policy.pdf","pages":2,"fetched_at":"2026-10-17 19:40:57+00","source_url":"https://www.cholainsurance.com/documents/20121/o/Add%20on%20Cover%20-%20Personal%20and%20Tenant%20Liability%20(C)%20-%20Chola%20Total%20Home%20Protect%20Policy.pdf/81f55d80-caf2-115e-b576-13a2a93056e4","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-total-home-protect-policy-irdan123cp0028v01201819/document/4944"}],"versions":[{"uin":"IRDAN123RP0086V04200203","version":null,"approved_on":null},{"uin":"IRDAN123CP0028V01201819","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Cholamandalam MS General Insurance official website","url":"https://www.cholainsurance.com","note":"Website as listed by IRDAI. Not checked: the site returned HTTP 502 to our crawler on 2026-10-19."},{"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":"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":"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":"Chola Total Home Protect Policy (UIN IRDAN123CP0028V01201819), IndiaInsurances, https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-total-home-protect-policy-irdan123cp0028v01201819"}