{"uin":"IRDAN123RP0006V02202324","name":"CHOLA GRIHA RAKSHA - EBrochure","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-griha-raksha-ebrochure-irdan123rp0006v02202324","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 Griha Raksha covers Home Building and/or Home Contents against listed insured events including fire, earthquake, storm, flood, riot, terrorism unless opted out, pipe bursting, sprinkler leakage and theft within 7 days of an insured event. It has nil deductible except terrorism, built-in general contents cover of 20% of the Home Building sum insured up to ₹ 10 Lakh when both covers are opted, loss of rent or alternative accommodation up to three years, and waiver of underinsurance.","analysis":{"state":"machine","analysed_at":"2026-10-20 02:55:24.484914+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"Policy period runs from the effective date and time in the Policy Schedule to midnight on the expiry date, not exceeding 30 years. Policies for less than 12 months can be issued.","display":"Up to 30 years; less than 12 months can be issued","note":null,"quote":"Policy Period | Policy period means the period commencing from the effective date and time as shown in the Policy Schedule and terminating at Midnight on the expiry date as shown in the Policy Schedule not exceeding 30 years or on the termination of or the cancellation of insurance as provided for in Clause G (III) of this Policy, whichever is earlier. Policy less than one year can be issued as mentioned in Clause J ... Policy for a period less than 12 months shall be issued at the rates set out hereunder and cannot be cancelled.","sources":[{"clause":"4","heading":"Special meaning of certain words","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-griha-raksha-ebrochure-irdan123rp0006v02202324/document/4861#c-4"},{"clause":null,"heading":"Clause J. POLICY PERIOD LESS THAN 12 MONTHS","page":11,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-griha-raksha-ebrochure-irdan123rp0006v02202324/document/4861#c-clause-j-policy-period-less-than-12-months"}],"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":"Give notice to the insurer as soon as any physical loss or damage occurs. Submit the claim form at the earliest opportunity, but within 30 days from the date you first notice the loss or damage.","display":"Immediate notice; claim form within 30 days from first noticing the loss or damage","note":null,"quote":"As soon as any physical loss or damage occurs to Your Home Building or Home Contents due to an Insured Event, You must immediately give notice to Us of the loss or damage. ... i) You must submit Your claim in Our claim form at the earliest opportunity, but within 30 days from the date You first notice the loss or damage.","sources":[{"clause":"6(IV)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-griha-raksha-ebrochure-irdan123rp0006v02202324/document/4861#c-6-iv"},{"clause":"6(IV)(a)(i)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-griha-raksha-ebrochure-irdan123rp0006v02202324/document/4861#c-6-iv-a-i"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Claim form","Fire Brigade Report / FIR","Meterological Report in case of AOG perils","Books of Accounts","Stock Register","Copy of Asset Register","Repair/Replacement estimate","Repair / Reinstatement Bills","Proof of Reinstatement","KYC documents PAN, ROC certificate, Aadhar, GST Registration Cert Etc.","Any other Document","Death Certificate and Post Mortem report (wherever necessary) for Optional Cover of Personal Accident"],"display":"Claim form, Fire Brigade Report / FIR, Meteorological Report for AOG perils, accounts/stock/asset records, repair or reinstatement papers, KYC and other documents","note":null,"quote":"For Optional Cover of Personal Accident, Death Certificate and Post Mortem report (wherever necessary) shall be submitted. ... Documents required for Claim processing:\na) Claim form,\nb) Fire Brigade Report / FIR,\nc) Meterological Report in case of AOG perils,\nd) Books of Accounts,\ne) Stock Register,\nf) Copy of Asset Register,\ng) Repair/Replacement estimate,\nh) Repair / Reinstatement Bills,\ni) Proof of Reinstatement,\nj) KYC documents PAN, ROC certificate, Aadhar, GST Registration Cert Etc.,\nk) Any other Document,","sources":[{"clause":null,"heading":"5. Establish loss","page":9,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-griha-raksha-ebrochure-irdan123rp0006v02202324/document/4861#c-5-establish-loss"}],"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":"The wording does not state the point from which the 21 working days are counted.","quote":"l) Turn Around Time for claims settlement is 21 working Days","sources":[{"clause":null,"heading":"5. Establish loss","page":9,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-griha-raksha-ebrochure-irdan123rp0006v02202324/document/4861#c-5-establish-loss"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Your deliberate, wilful or intentional act or ommission, or of anyone on Your behalf, or with Your connivance.","War, invasion, act of foreign enemy hostilities or war-like operations","Ionising radiation or contamination by radioactivity","Pollution or contamination, unless the pollution or contamination itself has resulted from an Insured Event or an Insured Event itself results from pollution or contamination.","Loss, damage or destruction to any electrical/electronic machine, apparatus, fixture, or fitting by overrunning, excessive pressure, short circuiting, arcing, self- heating or leakage of electricity","Loss or damage to bullion or unset precious stones, manuscripts, plans, drawings, securities, obligations or documents of any kind, coins or paper money, cheques, vehicles, and explosive substances","Loss of any Insured Property which is missing or has been mislaid, or its disappearance cannot be linked to any single identifiable event.","Loss or damage to any Insured Property removed from Your Home to any other place.","Loss of earnings, loss by delay, loss of market or other consequential or indirect loss or damage","Any reduction in market value of any Insured Property after its repair or reinstatement.","Any addition, extension, or alteration to any structure of Your Home Building that increases its Carpet Area by more than 10%","Costs, fees or expenses for preparing any claim."],"display":"Deliberate acts, war, nuclear/radiation, pollution unless linked to an insured event, electrical/electronic breakdown, excluded valuables/documents/money/vehicles, missing property, property removed from the home, consequential loss, reduction in market value, building alteration over 10%, and claim preparation costs","note":null,"quote":"Clause F. EXCLUSIONS (WHAT WE DO NOT COVER) FOR ALL COVERS UNDER THIS POLICY We do not cover losses and expenses for any loss or damage or destruction of the Insured Property that is directly or indirectly as a result of or is caused by or arising from events, stated below:\n1. Your deliberate, wilful or intentional act or ommission, or of anyone on Your behalf, or with Your connivance.\n2. War, invasion, act of foreign enemy hostilities or war-like operations (whether war is declared or not), civil war, mutiny, civil commotion amounting to a popular rising, military rising, rebellion, revolution, insurrection or military or usurped power.\n3. Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from combustion of nuclear fuel, or the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component that is part of it. ... 5. Loss, damage or destruction to any electrical/electronic machine, apparatus, fixture, or fitting by overrunning, excessive pressure, short circuiting, arcing, self- heating or leakage of electricity from whatever cause (lightning included). This exclusion applies only to the particular machine so lost, damaged or destroyed.\n6. Loss or damage to bullion or unset precious stones, manuscripts, plans, drawings, securities, obligations or documents of any kind, coins or paper money, cheques, vehicles, and explosive substances unless otherwise expressly stated in the policy.\n7. Loss of any Insured Property which is missing or has been mislaid, or its disappearance cannot be linked to any single identifiable event.\n8. Loss or damage to any Insured Property removed from Your Home to any other place.\n9. Loss of earnings, loss by delay, loss of market or other consequential or indirect loss or damage of any kind or description whatsoever.\n10. Any reduction in market value of any Insured Property after its repair or reinstatement.\n11. Any addition, extension, or alteration to any structure of Your Home Building that increases its Carpet Area by more than 10% of the Carpet Area existing at the Commencement Date or on the date of renewal of this Policy, unless You have paid additional premium and such addition, extension or alteration is added by Endorsement.\n12. Costs, fees or expenses for preparing any claim.","sources":[{"clause":"6(b)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-griha-raksha-ebrochure-irdan123rp0006v02202324/document/4861#c-6-b-4"},{"clause":"6(b)(i)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-griha-raksha-ebrochure-irdan123rp0006v02202324/document/4861#c-6-b-i"},{"clause":"6(b)(ii)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-griha-raksha-ebrochure-irdan123rp0006v02202324/document/4861#c-6-b-ii"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact the company through its website, toll-free number, email or Manager, Grievance Cell. If dissatisfied or there is delay, escalate to the Nodal Officer and then the Chief Grievance Officer before approaching the Insurance Ombudsman.","display":"Company/Manager, Grievance Cell first; then Nodal Officer; then Chief Grievance Officer","note":null,"quote":"In 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\nCourier: | Manager, Grievance Cell, ... In case you are dissatisfied with the response or have not received a response, you may escalate the same to our Nodal Officer - Nodalescalation@cholams.murugappa.com ... In case you are still unhappy with the response or have not received a response within 7 working days, you may escalate the same to our Chief Grievance Officer - GRO@cholams.murugappa.com","sources":[{"clause":null,"heading":"Clause L. GRIEVANCES","page":11,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-griha-raksha-ebrochure-irdan123rp0006v02202324/document/4861#c-clause-l-grievances"},{"clause":null,"heading":"Escalation Matrix","page":12,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-griha-raksha-ebrochure-irdan123rp0006v02202324/document/4861#c-escalation-matrix"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["Fire","Explosion or Implosion","Lightning","Earthquake, volcanic eruption, or other convulsions of nature","Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Tsunami, Flood and Inundation","Subsidence of the land on which Your Home Building stands, Landslide, Rockslide","Bush fire, Forest fire, Jungle fire","Impact damage of any kind","Missile testing operations","Riot, Strikes, Malicious Damages","Acts of terrorism (Coverage as per Terrorism Clause attached)","Bursting or overflowing of water tanks, apparatus and pipes.","Leakage from automatic sprinkler installations.","Theft within 7 (seven) days from the occurrence of and proximately caused by any of the above Insured Events."],"display":"Fire, explosion/implosion, lightning, earthquake, storm/flood, subsidence/landslide/rockslide, bush/forest/jungle fire, impact, missile testing, riot/strikes/malicious damages, terrorism, bursting/overflowing water tanks/pipes, sprinkler leakage, and theft within 7 days of an insured event","note":"The insured is eligible for reduction in premium rates on deletion of terrorism cover at policy inception.","quote":"1. | Fire | Caused by burning of Insured Property by order of any Public Authority. ... 2. | Explosion or Implosion | - ... 3. | Lightning | - ... 4. | Earthquake, volcanic eruption, or other convulsions of nature | -\n5. | Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Tsunami, Flood and Inundation | -\n6. | Subsidence of the land on which Your Home Building stands, Landslide, Rockslide | caused by a. Normal cracking, settlement or bedding down of new structures, b. The settlement or movement of made up ground, c. Coastal or river erosion, d. Defective design or workmanship or use of defective materials, or e. Demolition, construction, structural alterations or repair of any property, or groundworks or excavations.\n7. | Bush fire, Forest fire, Jungle fire | -\n8. | Impact damage of any kind, i.e., damage caused by impact of, or collision caused by any external physical object (e.g. vehicle, falling trees, aircraft, wall etc.) | Caused by pressure waves caused by aircraft or other aerial or space devices travelling at sonic or supersonic speeds.\n9. | Missile testing operations | -\n10. | Riot, Strikes, Malicious Damages | caused by a. temporary or permanent dispossession, confiscation, commandeering, requisition or destruction by order of the government or any lawful authority, or b. Temporary or permanent dispossession of Your Home by unlawful occupation by any person.\n11 | **Acts of terrorism (Coverage as per Terrorism Clause attached) | Exclusions and Excess as per Terrorism Clause attached.\n12. | Bursting or overflowing of water tanks, apparatus and pipes. | - ... 13. | Leakage from automatic sprinkler installations. | a. Repairs or alterations in Your Home or the building in which Your Home is located, b. Repairs, removal or extension of any sprinkler installation, or c. Defects in the construction known to You.\n14. | Theft within 7 (seven) days from the occurrence of and proximately caused by any of the above Insured Events. | if it is a. of any article or thing outside Your Home, or b. of any article or thing attached from the outside of the outer walls or the roof of Your Home, unless securely mounted.\n**Insured is eligible for reduction in premium rates on deletion of terrorism cover at the inception of the Policy.","sources":[{"clause":"Row 1","heading":"Fire","page":3,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-griha-raksha-ebrochure-irdan123rp0006v02202324/document/4861#c-row-1"},{"clause":"Row 2","heading":"Explosion or Implosion","page":3,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-griha-raksha-ebrochure-irdan123rp0006v02202324/document/4861#c-row-2"},{"clause":"Row 3","heading":"Lightning","page":3,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-griha-raksha-ebrochure-irdan123rp0006v02202324/document/4861#c-row-3"},{"clause":"Row 4","heading":"Earthquake, volcanic eruption, or other convulsions of nature","page":3,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-griha-raksha-ebrochure-irdan123rp0006v02202324/document/4861#c-row-4"},{"clause":null,"heading":"Clause B. INSURED EVENTS","page":3,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-griha-raksha-ebrochure-irdan123rp0006v02202324/document/4861#c-clause-b-insured-events-2"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"quote-verified","value":"Nil deductible except terrorism. Terrorism excess is 1% of the claim amount for Shops & Residential Risks subject to minimum INR 10,000 and maximum INR 500,000; 1% for Non-Industrial Risks subject to minimum INR 25,000 and maximum INR 1,000,000; and 5% for Industrial Risks subject to minimum INR 100,000 and maximum INR 25,00,000.","display":"Nil deductible except terrorism; terrorism excess varies by risk category","note":null,"quote":"8 | Loss Participation | Nil deductible (except for terrorism) For terrorism risk the Excess shall be as per the Clause attached to this policy. ... Shops & Residential Risks: 1% of the claim amount for each and every claim subject to Minimum of INR 10,000 and Maximum of INR 500,000 Non-Industrial Risks: 1% of the claim amount for each and every claim subject to Minimum of INR 25,000 and Maximum of INR 1,000,000 Industrial Risks: 5% of the claim amount for each and every claim subject to Minimum of INR 100,000 and Maximum of INR 25,00,000 *Whichever is applicable","sources":[{"clause":"5","heading":"Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Tsunami, Flood and","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-griha-raksha-ebrochure-irdan123rp0006v02202324/document/4794#c-5"},{"clause":null,"heading":"EXCESS*","page":17,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-griha-raksha-ebrochure-irdan123rp0006v02202324/document/4861#c-excess"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"conflicting","value":"The insured can cancel the policy at any time by informing the company. The company shall refund proportion premium for the unexpired policy period for policies up to one year if no claim is made, and refund premium for the unexpired policy period for policies over one year where risk coverage for those policy years has not commenced.","display":"Proportionate refund for unexpired period, subject to no claim for terms up to one year","note":"Another wording gives a short-period refund table instead of proportionate refund, beginning: 'If You cancel the policy, We will refund premium as follows subject to a minimum premium retention of Rs.100/-'.","quote":"The insured can cancel the policy at any time during the term, by informing the Company. The Company can cancel the policy only on the grounds of established fraud, by giving minimum notice of 7 days to the insured.\nThe company shall – ... i) refund proportion premium for unexpired policy period, if the term of the policy is up to one year and there is no claim(s) made during the policy period. ... ii) refund premium for the unexpired policy period, in respect of policy with the term more than one year and the risk coverage for such policy years has not commenced. ... If You cancel the policy, We will refund premium as follows subject to a minimum premium retention of Rs.100/-","sources":[{"clause":"6(III)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-griha-raksha-ebrochure-irdan123rp0006v02202324/document/4861#c-6-iii"},{"clause":"6(i)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-griha-raksha-ebrochure-irdan123rp0006v02202324/document/4861#c-6-i-2"},{"clause":"6(ii)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-griha-raksha-ebrochure-irdan123rp0006v02202324/document/4861#c-6-ii-2"},{"clause":"6(III)(b)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-griha-raksha-ebrochure-irdan123rp0006v02202324/document/4631#c-6-iii-b"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"building_cover","label":"Building cover","section":"Cover","meaning":"Cover for the structure and how its value is set.","status":"quote-verified","value":"Home Building cover pays for physical loss, damage or destruction of the Home Building due to an insured event. The Home Building includes the residential unit, fixtures and fittings, specified additional structures on the same site, and any other structure shown in the Policy Schedule; the sum insured is based on the prevailing Cost of Construction.","display":"Physical loss/damage/destruction of Home Building due to insured events; value based on Cost of Construction","note":"Additional structures are covered if they are on the same site and used as part of the Home Building, or if shown in the Policy Schedule.","quote":"We cover physical loss or damage, or destruction of Your Home Building because of any Insured Event listed in Clause B of this Policy. ... a) Your Home Building is a building consisting of a residential unit, having an enclosed structure and a roof, basement (if any) and used as a dwelling place.\nb) Your Home Building includes\ni) Fixtures and fittings permanently attached to the floor, walls or roof, like fixed sanitary fittings, electrical wiring and other permanent fittings. ... a) The Sum Insured for the Home Building Cover is the prevailing Cost of Construction of Your Home Building at the Commencement Date as declared by You and accepted by Us and will be the maximum amount payable in the event the Home Building is a Total Loss.","sources":[{"clause":null,"heading":"Clause C: HOME BUILDING COVER","page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-griha-raksha-ebrochure-irdan123rp0006v02202324/document/4861#c-clause-c-home-building-cover"},{"clause":null,"heading":"2. Your Home Building","page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-griha-raksha-ebrochure-irdan123rp0006v02202324/document/4861#c-2-your-home-building"},{"clause":null,"heading":"4. Sum Insured","page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-griha-raksha-ebrochure-irdan123rp0006v02202324/document/4861#c-4-sum-insured"}],"law":[]},{"key":"contents_cover","label":"Contents cover","section":"Cover","meaning":"Cover for household goods, jewellery and valuables, and limits.","status":"quote-verified","value":"Home Contents cover pays for physical loss or damage to, or destruction of, General Contents caused by an insured event. If both Home Building and Home Contents cover are opted, General Contents have built-in cover equal to 20% of the Home Building sum insured, subject to ₹ 10 Lakh; Valuable Contents are covered only if the optional agreed value cover is purchased.","display":"General Contents covered for insured events; built-in 20% of Home Building SI up to ₹ 10 Lakh if both covers are opted; valuables optional","note":null,"quote":"We cover the physical loss or damage to or destruction of the General Contents of Your Home caused by an Insured Event as listed in Clause B of this Policy. Valuable Contents of Your Home are not covered under this Policy unless You have purchased the optional cover for the Valuable Contents. ... b) The policy has a built-in cover for the General Contents of Your home equal to 20% of the Sum Insured for Home Building Cover subject to a maximum of ₹ 10 Lakh (Rupees Ten Lakh) provided You have opted for both Home Building and Home Contents cover. ... a) Cover for Valuable Contents on Agreed Value Basis (under Home Contents cover):\nFor Valuable Contents, a value may be agreed upon by You and Us based on a valuation certificate submitted by You and accepted by Us. However, We shall waive the requirement of valuation certificate if the Sum Insured opted for is up to ₹ 5 Lakh (Rupees Five Lakh) and Individual item value does not exceed ₹ 1 Lakh (Rupees One Lakh).","sources":[{"clause":null,"heading":"Clause D: HOME CONTENTS COVER","page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-griha-raksha-ebrochure-irdan123rp0006v02202324/document/4861#c-clause-d-home-contents-cover"},{"clause":"6(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-griha-raksha-ebrochure-irdan123rp0006v02202324/document/4861#c-6-b-2"},{"clause":"6(a)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-griha-raksha-ebrochure-irdan123rp0006v02202324/document/4861#c-6-a-4"}],"law":[]},{"key":"burglary","label":"Burglary and theft","section":"Cover","meaning":"Whether burglary is covered.","status":"quote-verified","value":"The policy covers theft only if it occurs within 7 days from an insured event and is proximately caused by that event. Standalone burglary is not stated as a covered insured event in the home wording.","display":"Theft within 7 days of an insured event is covered; standalone burglary not stated","note":null,"quote":"14. | Theft within 7 (seven) days from the occurrence of and proximately caused by any of the above Insured Events. | if it is a. of any article or thing outside Your Home, or b. of any article or thing attached from the outside of the outer walls or the roof of Your Home, unless securely mounted.","sources":[{"clause":null,"heading":"Clause B. INSURED EVENTS","page":3,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-griha-raksha-ebrochure-irdan123rp0006v02202324/document/4861#c-clause-b-insured-events-2"}],"law":[]},{"key":"rent_loss","label":"Rent and alternative accommodation","section":"Cover","meaning":"Cover for rent lost or a temporary home after damage.","status":"quote-verified","value":"The policy pays lost rent or alternative rent while the Home Building is not fit for living because of physical loss arising out of an insured event. The accommodation must not be superior and must be in the same city, the cover is available for the reasonable repair time up to three years, and loss of rent is accepted only if the Home Building physical damage claim is accepted.","display":"Loss of rent and rent for alternative accommodation, up to three years","note":null,"quote":"Loss of Rent and Rent for Alternative Accommodation: In addition to what Clause C (5) (c) of this Policy provides for, We will pay the amount of rent You lose or alternative rent You pay while Your Home Building is not fit for living because of physical loss arising out of an Insured Event as follows: ... b) We will pay the loss under this cover for an accommodation that is not superior to Your Home Building in any way and in the same city as Your Home Building. ... d) This cover will be available for the reasonable time required to repair Your Home Building to make it fit for living. The maximum period of this cover is three years from the date Your Home Building becomes unfit for living. You must submit a certificate from an architect or the local authority to show that Your Home Building is not fit for living. ... e) Claim for loss of rent will be accepted only if We have accepted Your claim for loss for physical damage to Your Home under the Home Building Cover.","sources":[{"clause":"6","heading":"Loss of Rent and Rent for Alternative Accommodation","page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-griha-raksha-ebrochure-irdan123rp0006v02202324/document/4861#c-6"},{"clause":"6(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-griha-raksha-ebrochure-irdan123rp0006v02202324/document/4861#c-6-b"},{"clause":"6(d)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-griha-raksha-ebrochure-irdan123rp0006v02202324/document/4861#c-6-d"},{"clause":"6(e)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-griha-raksha-ebrochure-irdan123rp0006v02202324/document/4861#c-6-e"}],"law":[]},{"key":"sum_insured_basis","label":"Sum insured basis","section":"Cover","meaning":"How the cover amount is set: market value, reinstatement value, agreed value, IDV.","status":"quote-verified","value":"The CIS states the structure is on reconstruction value basis, contents on replacement value basis, valuable items on agreed value basis and personal accident cover on fixed value basis. In the wording, the Home Building sum insured is the prevailing Cost of Construction at commencement, and Home Contents maximum payment is the sum insured shown in the Policy Schedule.","display":"Building on Reconstruction value basis; Contents on Replacement value basis; Valuable items on Agreed value basis","note":null,"quote":"3 | Structure | Building on Reconstruction value basis, Contents on Replacement value basis, Valuable items on Agreed value basis Personal Accident cover on fixed value basis ... a) The Sum Insured for the Home Building Cover is the prevailing Cost of Construction of Your Home Building at the Commencement Date as declared by You and accepted by Us and will be the maximum amount payable in the event the Home Building is a Total Loss. ... b) The maximum We will pay for Home Contents is the Sum Insured shown in the Policy Schedule for Home Contents Cover.","sources":[{"clause":null,"heading":"CUSTOMER INFORMATION SHEET","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-griha-raksha-ebrochure-irdan123rp0006v02202324/document/4794#c-customer-information-sheet"},{"clause":null,"heading":"4. Sum Insured","page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-griha-raksha-ebrochure-irdan123rp0006v02202324/document/4861#c-4-sum-insured"},{"clause":"6(b)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-griha-raksha-ebrochure-irdan123rp0006v02202324/document/4861#c-6-b-3"}],"law":[]},{"key":"under_insurance","label":"Under-insurance (average) clause","section":"Limits and co-pay","meaning":"If the sum insured is less than the real value, claims are cut in proportion.","status":"quote-verified","value":"Underinsurance does not apply to the Chola Griha Raksha Policy; if the sum insured calculated from the information provided is less than the actual value at risk, the difference will not affect the amount paid.","display":"Underinsurance does not apply","note":null,"quote":"Underinsurance does not apply to the Chola Griha Raksha Policy. Thus, if Your Sum Insured calculated on the basis of the information that You provided, is less than the actual value at risk, the difference will not affect the amount We pay.","sources":[{"clause":null,"heading":"Clause I. WAIVER OF UNDERINSURANCE","page":11,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-griha-raksha-ebrochure-irdan123rp0006v02202324/document/4861#c-clause-i-waiver-of-underinsurance"}],"law":[]}],"documents":[{"kind":"wording","label":"Policy Wording - Chola Housing Society Care Policy - CGR.pdf","pages":62,"fetched_at":"2026-10-17 19:33:43+00","source_url":"https://www.cholainsurance.com/documents/20121/o/Policy%20Wording%20-%20Chola%20Housing%20Society%20Care%20Policy%20-%20CGR.pdf/44ee817c-3f34-cb6c-83af-305bd2eb862c","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-griha-raksha-ebrochure-irdan123rp0006v02202324/document/4618"},{"kind":"wording","label":"CHOLA GRIHA RAKSHA-IRDAN123RP0006V02202324 - PW.pdf","pages":18,"fetched_at":"2026-10-17 19:34:08+00","source_url":"https://www.cholainsurance.com/documents/20121/o/CHOLA%20GRIHA%20RAKSHA-IRDAN123RP0006V02202324%20-%20PW.pdf/887daf9a-1dbb-6937-eb0b-f14b7ce366b5","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-griha-raksha-ebrochure-irdan123rp0006v02202324/document/4631"},{"kind":"wording","label":"Chola Griha Raksha - Policy Wording.pdf","pages":18,"fetched_at":"2026-10-17 19:39:19+00","source_url":"https://www.cholainsurance.com/documents/20121/o/Chola%20Griha%20Raksha%20-%20Policy%20Wording.pdf/023c8390-ba05-5820-e7b9-89abe8c11382","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-griha-raksha-ebrochure-irdan123rp0006v02202324/document/4861"},{"kind":"prospectus","label":"Prospectus - Chola Housing Society Care Policy - CGR.pdf","pages":8,"fetched_at":"2026-10-17 19:33:38+00","source_url":"https://www.cholainsurance.com/documents/20121/o/Prospectus%20-%20Chola%20Housing%20Society%20Care%20Policy%20-%20CGR.pdf/138be289-cab8-f475-3df7-2b2f77eea752","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-griha-raksha-ebrochure-irdan123rp0006v02202324/document/4608"},{"kind":"prospectus","label":"Prospectus-Chola Griha Raksha.pdf","pages":11,"fetched_at":"2026-10-17 19:38:15+00","source_url":"https://www.cholainsurance.com/documents/20121/o/Prospectus-Chola%20Griha%20Raksha.pdf/ac7385e9-8f5d-ae06-8600-51b65cb715bb","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-griha-raksha-ebrochure-irdan123rp0006v02202324/document/4810"},{"kind":"cis","label":"CIS-Chola Griha Raksha.pdf","pages":5,"fetched_at":"2026-10-17 19:37:57+00","source_url":"https://www.cholainsurance.com/documents/20121/o/CIS-Chola%20Griha%20Raksha.pdf/39e4a469-ee6b-c5ae-ec34-2095d0ae4e9e","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-griha-raksha-ebrochure-irdan123rp0006v02202324/document/4794"},{"kind":"brochure","label":"CHOLA GRIHA RAKSHA-IRDAN123RP0006V02202324 - EBrochure.pdf","pages":3,"fetched_at":"2026-10-17 19:31:25+00","source_url":"https://www.cholainsurance.com/documents/20121/o/CHOLA%20GRIHA%20RAKSHA-IRDAN123RP0006V02202324%20-%20EBrochure.pdf/86d8953b-88ae-2a87-0874-dfd5f31346e5","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-griha-raksha-ebrochure-irdan123rp0006v02202324/document/4539"},{"kind":"rider","label":"CLEARANCE OF DRAINS-IRDAN123RP0006V02202324A0057V02202324.pdf","pages":7,"fetched_at":"2026-10-17 19:38:09+00","source_url":"https://www.cholainsurance.com/documents/20121/o/CLEARANCE%20OF%20DRAINS-IRDAN123RP0006V02202324A0057V02202324.pdf/4342f49b-8502-4f86-6df3-f862326331cf","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-griha-raksha-ebrochure-irdan123rp0006v02202324/document/4804"}],"versions":[],"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 GRIHA RAKSHA - EBrochure (UIN IRDAN123RP0006V02202324), IndiaInsurances, https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-griha-raksha-ebrochure-irdan123rp0006v02202324"}