{"uin":"IRDAN123RP0014V02202021","name":"Chola MS Bharat Griha Raksha Policy","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-bharat-griha-raksha-policy-irdan123rp0014v02202021","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":"Main product","kind":"product","status":"active","approved_on":"2021-03-26","withdrawn_on":null,"summary":"Chola MS Bharat Griha Raksha Policy covers home building and/or home contents against listed insured events, with home building sum insured based on prevailing cost of construction. It has nil deductible except terrorism, loss of rent or alternative accommodation up to three years, and underinsurance does not apply.","analysis":{"state":"machine","analysed_at":"2026-10-20 02:01:33.363886+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 Home Building Cover, Home Contents Cover and optional covers, but do not name 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":"conflicting","value":"You can buy the policy for one year or more than one year, but the policy duration cannot exceed 30 years.","display":"One year or more than one year; policy duration cannot exceed 30 years","note":"The lower-priority brochure says: “• Annual or long term policy up to 10 years”.","quote":"The cover protects You during the period of the policy. You can buy the policy for one year or more than one year but the policy duration cannot exceed 30 years.","sources":[{"clause":null,"heading":"HOW LONG DOES THIS COVER PROTECT ME?","page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-bharat-griha-raksha-policy-irdan123rp0014v02202021/document/4802#c-how-long-does-this-cover-protect-me"},{"clause":null,"heading":"Key features","page":2,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-bharat-griha-raksha-policy-irdan123rp0014v02202021/document/4573#c-key-features"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"You must immediately give notice as soon as physical loss or damage occurs. The claim form must be submitted at the earliest opportunity, but within 30 days from the date you first notice the loss or damage.","display":"Immediate notice; claim form within 30 days from first noticing loss or damage","note":null,"quote":"As soon as any physical loss or damage occurs to Your Home Building or Home Contents due to an Insured Event, You must immediately give notice to Us of the loss or damage. ... You must submit Your claim in Our claim form at the earliest opportunity, but within 30 days from the date You first notice the loss or damage.","sources":[{"clause":"6(IV)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-bharat-griha-raksha-policy-irdan123rp0014v02202021/document/4864#c-6-iv"},{"clause":"6(IV)(a)(i)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-bharat-griha-raksha-policy-irdan123rp0014v02202021/document/4864#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"],"display":"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; Any other Document","note":null,"quote":"Documents required for Claim processing: a Claim form, b Fire Brigade Report / FIR, c Meterological Report in case of AOG perils, d Books of Accounts, e Stock Register, f Copy of Asset Register, g Repair/Replacement estimate, h Repair / Reinstatement Bills, i Proof of Reinstatement, j KYC documents PAN, ROC certificate, Aadhar, GST Registration Cert Etc., k Any other Document, l Turn Around Time for claims settlement is 21 working Days","sources":[{"clause":null,"heading":"5. Establish loss","page":11,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-bharat-griha-raksha-policy-irdan123rp0014v02202021/document/4864#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":null,"quote":"Turn Around Time for claims settlement is 21 working Days","sources":[{"clause":null,"heading":"5. Establish loss","page":11,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-bharat-griha-raksha-policy-irdan123rp0014v02202021/document/4864#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 (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.","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.","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 from whatever cause (lightning included).","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.","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 of any kind or description whatsoever.","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% 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.","Costs, fees or expenses for preparing any claim."],"display":"Deliberate act; war and related events; ionising radiation; pollution or contamination; electrical/electronic breakdown; specified valuables and documents unless stated; missing or mislaid property; property removed from home; consequential loss; reduction in market value; building alteration over 10%; 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.\n4. Pollution or contamination, unless ... i) The pollution or contamination itself has resulted from an Insured Event, or ii. An Insured Event itself results from pollution or contamination.\n5. 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":7,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-bharat-griha-raksha-policy-irdan123rp0014v02202021/document/4864#c-6-b-4"},{"clause":"6(b)(i)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-bharat-griha-raksha-policy-irdan123rp0014v02202021/document/4864#c-6-b-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":"First register a complaint by writing to customercare@cholams.murugappa.com or contacting the company through its website, toll free number, email or Manager, Grievance Cell. If not happy with the resolution or delayed more than 7 working days, escalate to the Nodal Officer and then the Chief Grievance Officer before approaching the Insurance Ombudsman.","display":"Company customer care / Manager, Grievance Cell first; then Nodal Officer; then Chief Grievance Officer; then Insurance Ombudsman","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 ... Please write to customercare@cholams.murugappa.com to register your complaint. ... In case you are not happy with the resolution provided or delay of greater than 7 working days, you may follow the below escalation matrix. ... In case you are dissatisfied with the response or have not received a response, you may escalate the same to our Nodal Officer - our Nodal Officer - Nodalescalation@cholams.murugappa.com (Quoting the previous Service request number)\n• 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 K. Grievances","page":13,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-bharat-griha-raksha-policy-irdan123rp0014v02202021/document/4864#c-clause-k-grievances"},{"clause":null,"heading":"Procedure of Grievance Redressal","page":14,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-bharat-griha-raksha-policy-irdan123rp0014v02202021/document/4864#c-procedure-of-grievance-redressal"},{"clause":null,"heading":"Escalation Matrix","page":14,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-bharat-griha-raksha-policy-irdan123rp0014v02202021/document/4864#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, i.e., damage caused by impact of, or collision caused by any external physical object (e.g. vehicle, falling trees, aircraft, wall etc.)","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 or Implosion; Lightning; Earthquake and other convulsions of nature; storm/cyclone/flood and similar events; subsidence/landslide/rockslide; bush/forest/jungle fire; impact damage; missile testing; riot/strikes/malicious damages; terrorism; bursting/overflowing water tanks, apparatus and pipes; sprinkler leakage; theft within 7 days caused by an insured event","note":null,"quote":"We give insurance cover for physical loss or damage, or destruction caused to Insured Property by the following unforeseen events occurring during the Policy Period. ... 1. | Fire | Caused by burning of Insured Property by order of any Public Authority. ... 2. | Explosion or Implosion | - ... 3. | Lightning | - ... 4. | Earthquake, volcanic eruption, or other convulsions of nature | -\n5. | Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Tsunami, Flood and Inundation | -\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. | -\n13. | Leakage from automatic sprinkler installations. | a. Repairs or alterations in Your Home or the building in which Your Home is located, b. Repairs, removal or extension of any sprinkler installation, or c. Defects in the construction known to You.\n14. | Theft within 7 (seven) days from the occurrence of and proximately caused by any of the above Insured Events. | if it is a. 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-ms-bharat-griha-raksha-policy-irdan123rp0014v02202021/document/4864#c-clause-b-insured-events"},{"clause":"Row 1","heading":"Fire","page":3,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-bharat-griha-raksha-policy-irdan123rp0014v02202021/document/4864#c-row-1"},{"clause":"Row 2","heading":"Explosion or Implosion","page":3,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-bharat-griha-raksha-policy-irdan123rp0014v02202021/document/4864#c-row-2"},{"clause":"Row 3","heading":"Lightning","page":3,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-bharat-griha-raksha-policy-irdan123rp0014v02202021/document/4864#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-ms-bharat-griha-raksha-policy-irdan123rp0014v02202021/document/4864#c-row-4"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"quote-verified","value":"Nil deductible except for terrorism. For terrorism risk, the excess is as per the clause attached to the policy.","display":"Nil deductible (except for terrorism)","note":"The terrorism excess amount is not stated in the extracted policy wording.","quote":"Nil deductible (except for terrorism)\n8 Loss Participation | For terrorism risk the Excess shall be as per the Clause\nattached to this policy.","sources":[{"clause":null,"heading":"Additional Add on covers (for detailed wordings refer","page":3,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-bharat-griha-raksha-policy-irdan123rp0014v02202021/document/4797#c-additional-add-on-covers-for-detailed-wordings-r"}],"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 can cancel the policy at any time by informing the company. The company refunds proportion premium for the unexpired policy period if the term is up to one year and no claim has been made, and refunds premium for the unexpired policy period for terms over one year where risk coverage for those policy years has not commenced.","display":"Cancel any time; refund proportion premium for unexpired period if term up to one year and no claims; refund unexpired premium for multi-year years whose risk has not commenced","note":null,"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.\n2. The 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.","sources":[{"clause":"6(III)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-bharat-griha-raksha-policy-irdan123rp0014v02202021/document/4864#c-6-iii"},{"clause":"6(i)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-bharat-griha-raksha-policy-irdan123rp0014v02202021/document/4864#c-6-i-2"},{"clause":"6(ii)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-bharat-griha-raksha-policy-irdan123rp0014v02202021/document/4864#c-6-ii-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"not-stated","value":null,"display":null,"note":"The documents state Indian law and courts, but do not state a geographic area of cover.","quote":null,"sources":[],"law":[]},{"key":"building_cover","label":"Building cover","section":"Cover","meaning":"Cover for the structure and how its value is set.","status":"quote-verified","value":"The policy covers physical loss, damage or destruction of the Home Building from insured events, including fixtures, fittings and listed additional structures on the same site used as part of the home. The Home Building sum insured is the prevailing Cost of Construction at the commencement date as declared by the insured and accepted by the insurer.","display":"Home Building covered for insured-event loss; includes fixtures, fittings and additional structures; sum insured is prevailing Cost of Construction at commencement","note":null,"quote":"We cover physical loss or damage, or destruction of Your Home Building because of any Insured Event listed in Clause B of this Policy. ... Your Home Building includes\ni) Fixtures and fittings permanently attached to the floor, walls or roof, like fixed sanitary fittings, electrical wiring and other permanent fittings.\nii) the following ‘additional structures’ if they are on the same site, and are used as part of Your Home Building: ... The Sum Insured for the Home Building Cover is the prevailing Cost of Construction of Your Home Building at the Commencement Date as declared by You and accepted by Us and will be the maximum amount payable in the event the Home Building is a Total Loss.","sources":[{"clause":null,"heading":"Clause C: Home Building Cover 1. What We cover","page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-bharat-griha-raksha-policy-irdan123rp0014v02202021/document/4864#c-clause-c-home-building-cover-1-what-we-cover"},{"clause":null,"heading":"2. Your Home Building","page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-bharat-griha-raksha-policy-irdan123rp0014v02202021/document/4864#c-2-your-home-building"},{"clause":null,"heading":"4. Sum Insured","page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-bharat-griha-raksha-policy-irdan123rp0014v02202021/document/4864#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":"The policy covers physical loss, damage or destruction of General Contents caused by an insured event. Valuable Contents are not covered unless the optional cover is purchased; built-in General Contents cover is 20% of Home Building sum insured subject to ₹ 10 Lakh if both building and contents cover are opted, and a higher contents sum insured can be declared for additional premium.","display":"General Contents covered for insured events; in-built 20% of Home Building sum insured up to ₹ 10 Lakh; Valuable Contents only if optional cover is bought","note":null,"quote":"We cover the physical loss or damage to or destruction of the General Contents of Your Home caused by an Insured Event as listed in Clause B of this Policy. Valuable Contents of Your Home are not covered under this Policy unless You have purchased the optional cover for the Valuable Contents. ... The policy has a built-in cover for the General Contents of Your home equal to 20% of the Sum Insured for Home Building Cover subject to a maximum of ₹ 10 Lakh (Rupees Ten Lakh) provided You have opted for both Home Building and Home Contents cover. If You choose to have a higher Sum Insured for Home Contents, You have to declare the Sum Insured in the Proposal Form and pay additional premium. ... For 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":6,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-bharat-griha-raksha-policy-irdan123rp0014v02202021/document/4864#c-clause-d-home-contents-cover"},{"clause":"6(b)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-bharat-griha-raksha-policy-irdan123rp0014v02202021/document/4864#c-6-b-2"},{"clause":"6(a)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-bharat-griha-raksha-policy-irdan123rp0014v02202021/document/4864#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 within 7 days from the occurrence of, and proximately caused by, an insured event. It does not cover theft of articles outside the home or attached from outside the outer walls or roof unless securely mounted.","display":"Theft within 7 days of and proximately caused by an insured event","note":"General burglary or theft unrelated to an insured event is not stated as covered.","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":"Row 4","heading":"Earthquake, volcanic eruption, or other convulsions of nature","page":3,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-bharat-griha-raksha-policy-irdan123rp0014v02202021/document/4864#c-row-4"}],"law":[]},{"key":"rent_loss","label":"Rent and alternative accommodation","section":"Cover","meaning":"Cover for rent lost or a temporary home after damage.","status":"quote-verified","value":"The policy pays loss of rent or alternative rent while the Home Building is not fit for living because of physical loss from an insured event, to the extent declared and agreed. The cover is for the reasonable repair period, up to a maximum of three years from the date the Home Building becomes unfit for living.","display":"Loss of rent and rent for alternative accommodation, maximum period 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: ... 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.","sources":[{"clause":"6","heading":"Loss of Rent and Rent for Alternative Accommodation","page":6,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-bharat-griha-raksha-policy-irdan123rp0014v02202021/document/4864#c-6"},{"clause":"6(d)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-bharat-griha-raksha-policy-irdan123rp0014v02202021/document/4864#c-6-d"}],"law":[]},{"key":"sum_insured_basis","label":"Sum insured basis","section":"Cover","meaning":"How the cover amount is set: market value, reinstatement value, agreed value, IDV.","status":"quote-verified","value":"Home Building sum insured is the prevailing Cost of Construction at commencement as declared and accepted. General Contents are paid on repair or replacement cost, while optional Valuable Contents are on an agreed value basis.","display":"Building: Cost of Construction; General Contents: repair/replacement cost; Valuable Contents: agreed value basis if optional cover is bought","note":null,"quote":"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. ... If the General Contents of Your Home are physically damaged by any Insured Event, We will at Our option,\ni) Reimburse to You the cost of repairs to a condition substantially the same as its condition at the time of damage, or\nii) Pay You the cost of replacing that item with a same or similar item, or\niii) Repair the damaged item to a condition substantially the same as its condition at the time of damage. ... For Valuable Contents, a value may be agreed upon by You and Us based on a valuation certificate submitted by You and accepted by Us.","sources":[{"clause":null,"heading":"4. Sum Insured","page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-bharat-griha-raksha-policy-irdan123rp0014v02202021/document/4864#c-4-sum-insured"},{"clause":"6(a)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-bharat-griha-raksha-policy-irdan123rp0014v02202021/document/4864#c-6-a-3"},{"clause":"6(a)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-bharat-griha-raksha-policy-irdan123rp0014v02202021/document/4864#c-6-a-4"}],"law":[]},{"key":"under_insurance","label":"Under-insurance (average) clause","section":"Limits and co-pay","meaning":"If the sum insured is less than the real value, claims are cut in proportion.","status":"quote-verified","value":"Underinsurance does not apply to the Bharat 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 Bharat 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":13,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-bharat-griha-raksha-policy-irdan123rp0014v02202021/document/4864#c-clause-i-waiver-of-underinsurance"}],"law":[]}],"documents":[{"kind":"wording","label":"Chola MS Bharat Griha Raksha Policy - Policy Wordings.pdf","pages":16,"fetched_at":"2026-10-17 19:39:15+00","source_url":"https://www.cholainsurance.com/documents/20121/o/Chola%20MS%20Bharat%20Griha%20Raksha%20Policy%20-%20Policy%20Wordings.pdf/85337735-695a-0444-a244-bde56d9fe82f","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-bharat-griha-raksha-policy-irdan123rp0014v02202021/document/4854"},{"kind":"wording","label":"Chola MS Bharat Griha Raksha Policy Group - Policy wording.pdf","pages":17,"fetched_at":"2026-10-17 19:39:23+00","source_url":"https://www.cholainsurance.com/documents/20121/o/Chola%20MS%20Bharat%20Griha%20Raksha%20Policy%20Group%20-%20Policy%20wording.pdf/116b7343-0d11-c5ae-4f1b-55d089d06a9c","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-bharat-griha-raksha-policy-irdan123rp0014v02202021/document/4864"},{"kind":"prospectus","label":"Prospectus-Chola Ms Bharat Griha Raksha Policy.pdf","pages":11,"fetched_at":"2026-10-17 19:38:07+00","source_url":"https://www.cholainsurance.com/documents/20121/o/Prospectus-Chola%20Ms%20Bharat%20Griha%20Raksha%20Policy.pdf/d6548b6d-06cd-9e5a-3966-d4961d278d24","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-bharat-griha-raksha-policy-irdan123rp0014v02202021/document/4802"},{"kind":"cis","label":"CIS-Chola MS Bharat Griha Raksha Policy.pdf","pages":5,"fetched_at":"2026-10-17 19:37:53+00","source_url":"https://www.cholainsurance.com/documents/20121/o/CIS-Chola%20MS%20Bharat%20Griha%20Raksha%20Policy.pdf/5d32f4cc-e32f-7c40-59ce-1215041bd27b","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-bharat-griha-raksha-policy-irdan123rp0014v02202021/document/4789"},{"kind":"cis","label":"CIS-Chola MS Bharat Griha Raksha Policy (Group).pdf","pages":6,"fetched_at":"2026-10-17 19:38:01+00","source_url":"https://www.cholainsurance.com/documents/20121/o/CIS-Chola%20MS%20Bharat%20Griha%20Raksha%20Policy%20(Group).pdf/2364bcfd-d6c4-b12e-f18e-37407878ff6d","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-bharat-griha-raksha-policy-irdan123rp0014v02202021/document/4797"},{"kind":"brochure","label":"CMS Bharat Griha Raksha eBrochure.pdf","pages":3,"fetched_at":"2026-10-17 19:32:32+00","source_url":"https://www.cholainsurance.com/documents/20121/o/CMS%20Bharat%20Griha%20Raksha%20eBrochure.pdf/0b93f689-8f37-f3d9-7ab4-6b46c0b255e3","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-bharat-griha-raksha-policy-irdan123rp0014v02202021/document/4573"}],"versions":[{"uin":"GEN3897","version":null,"approved_on":null},{"uin":"IRDAN123RP0014V02202021","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 MS Bharat Griha Raksha Policy (UIN IRDAN123RP0014V02202021), IndiaInsurances, https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-bharat-griha-raksha-policy-irdan123rp0014v02202021"}