{"uin":"IRDAN123RP0044V01202122","name":"Online Transaction Protection Insurance","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/online-transaction-protection-insurance-irdan123rp0044v01202122","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":"other-general","category_name":"Other general insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"This is an indemnity-basis online transaction protection insurance that covers theft of funds from a cyber incident or hacking of a bank account, credit/debit card or mobile wallet, and legal costs for non-reimbursement. The cover period is maximum twelve months, and claim settlement turnaround is 7 Days from receipt of Award / Last Document.","analysis":{"state":"machine","analysed_at":"2026-10-20 03:43:18.939279+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"The wording refers to a plan selected but does 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":"quote-verified","value":"Certificate cover period is maximum twelve months, as per plan selected, from the date of issuance of certificate. The master policy period is valid for one year and renewable for each subsequent year at the discretion of the policyholder and company.","display":"Maximum twelve months for the certificate; master policy valid for one year and renewable","note":null,"quote":"This cover period will be for maximum twelve months, as per plan selected, from date of issuance of certificate, provided always that premium is received in advance in compliance with SEC‐ 64B of Insurance Act ... Policy Period refers to Master Policy period, within which Certificates of Insurances are issued to members of the group. It will be valid for one year and renewable for each subsequent year as per discretion from both the Policyholder and Company with respect to Terms and Conditions","sources":[{"clause":"2.3","heading":"Cover Period","page":2,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/online-transaction-protection-insurance-irdan123rp0044v01202122/document/5080#c-2-3"},{"clause":"2.22","heading":"Policy Period","page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/online-transaction-protection-insurance-irdan123rp0044v01202122/document/5080#c-2-22"}],"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":"Report any actual E-PAYMENT TRANSACTIONS loss to the insurer as soon as reasonably practicable during the Policy Period or Discovery Period, if applicable. For theft of funds, report to the issuing bank or mobile wallet company within 72 hours of discovery and lodge an FIR within 72hours upon discovery.","display":"To insurer as soon as reasonably practicable; bank/mobile wallet and FIR within 72 hours of discovery","note":null,"quote":"You must report as soon as is reasonably practicable during the Policy Period or the Discover Period (if applicable): ... a) to Us any actual, E-PAYMENT TRANSACTIONS loss which may give rise to payment under this Policy ... You reporting to the issuing Bank or the Mobile wallet company within 72 hours of discovery of the Theft of Funds,\nd. You lodging a First Information Report (FIR) detailing the unauthorized Theft of Funds within 72hours upon discovery by You","sources":[{"clause":"4.1","heading":"Reporting a Claim","page":6,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/online-transaction-protection-insurance-irdan123rp0044v01202122/document/5080#c-4-1"},{"clause":"4.1(a)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/online-transaction-protection-insurance-irdan123rp0044v01202122/document/5080#c-4-1-a"},{"clause":"1.1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/online-transaction-protection-insurance-irdan123rp0044v01202122/document/5080#c-1-1"}],"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":["Submission of fully completed and signed claim form","Copy of FIR lodged with police authorities / cyber cell","Copies of legal notice received from any affected person/entity","Copies of summons received from any court in respect of a suit filed by an affected party/entity","Copies of correspondence with Bank and/or Mobile Wallet Company with regard to Theft of funds","Legal notice served on any Bank and/or Mobile Wallet company for Theft of funds","Copies of invoices for expenses incurred on all costs legal and incidental cost including that of IT consultant, being claimed under this policy","Copies of invoices for expenses incurred due to involvement of a specialist service provider or advisor","Details/invoices of costs incurred for filing of a claim for damages against a third‐party perpetrator in connection with a cyber incident governed by this Policy","Proof to show ownership of Your Computer system","Proof to show that the Personal data is the propriety information belonging to You","Detailed note on the event leading to the loss","Any Legal notice / summon received from the aggrieved party","Defence initiated from your end, if so what are the grounds","KYC documents PAN, ROC certificate, Aadhar, GST Registration Cert Etc.","What are the preventive measures initiated to avoid recurrence","Any other Document"],"display":"Claim form, FIR, legal notices/summons, bank or wallet correspondence, invoices, ownership and personal data proof, event note, defence details, KYC documents, preventive measures and any other document","note":null,"quote":"If You report a claim or facts that might give rise to a claim to Us, then You must give Us such information and co‐operation as it may reasonably require including but not limited to:\ni) Submission of fully completed and signed claim form,\nii) Copy of FIR lodged with police authorities / cyber cell,\niii) Copies of legal notice received from any affected person/entity,\niv) Copies of summons received from any court in respect of a suit filed by an affected party/entity,\nv) Copies of correspondence with Bank and/or Mobile Wallet Company with regard to Theft of funds;\nvi) Legal notice served on any Bank and/or Mobile Wallet company for Theft of funds,\nvii) Copies of invoices for expenses incurred on all costs legal and incidental cost including that of IT consultant, being claimed under this policy\nviii) Copies of invoices for expenses incurred due to involvement of a specialist service provider or advisor,\nix) Details/invoices of costs incurred for filing of a claim for damages against a third‐party perpetrator in connection with a cyber incident governed by this Policy,\nx) Proof to show ownership of Your Computer system, and\nxi) Proof to show that the Personal data is the propriety information belonging to You. Reimbursement will only be in INR.\nxii) Documents required for Claim processing:\n• Claim form,\n• Detailed note on the event leading to the loss,\n• Any Legal notice / summon received from the aggrieved party,\n• Defence initiated from your end, if so what are the grounds,\n• KYC documents PAN, ROC certificate, Aadhar, GST Registration Cert Etc.,\n• What are the preventive measures initiated to avoid recurrence,\n• Any other Document","sources":[{"clause":"4.1(a)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/online-transaction-protection-insurance-irdan123rp0044v01202122/document/5080#c-4-1-a"}],"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 7 Days from receipt of Award / Last Document.","display":"7 Days from receipt of Award / Last Document","note":null,"quote":"Turn Around Time for claims settlement is 7 Days from receipt of Award / Last Document","sources":[{"clause":"4.1(a)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/online-transaction-protection-insurance-irdan123rp0044v01202122/document/5080#c-4-1-a"}],"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":["Any E-PAYMENT TRANSACTIONS loss occurring prior to the retroactive date","Any criminal, dishonest, deliberate, or malicious conduct of You","Bodily Injury","Property Damage","Any activities carried out by You for business or professional purposes","War, hostilities or warlike activities","Terrorism","Any loss payment made in Non‐Fiat currencies including but not limited to Bitcoins","Outage/ Disturbance Loss","Illegal Use of Data","Insolvency","Theft of Funds due to physical loss or theft of Your Computer system","Withdrawal of funds via ATM made through Your Bank account and/or Credit/Debit cards by a Third party","Theft of Funds following physical theft or loss of Credit/Debit card","Circumstances or incidents that existed prior to inception of the Policy"],"display":"Retroactive date; dishonest or improper conduct; bodily injury; property damage; business or professional activities; war; terrorism; non-fiat currency; outage/disturbance loss; illegal use of data; insolvency; physical loss/theft of computer system; ATM withdrawals; physical theft/loss of credit/debit card; prior circumstances or incidents","note":null,"quote":"This Policy shall not provide cover for any claims arising directly or indirectly out of any of the following: ... Retroactive Date - Any E-PAYMENT TRANSACTIONS loss occurring prior to the retroactive date. ... Dishonest or Improper Conduct ‐ Any criminal, dishonest, deliberate, or malicious conduct of You. ... Bodily Injury-Any physical injury, sickness, disease, or death; and if arising out of the foregoing, nervous shock, emotional distress, mental anguish or mental injury, other than mental anguish or mental injury ... Property Damage‐ Any loss or destruction of tangible property, or loss of use thereof, or physical theft, including wear and tear, other than damage or theft in respect of Insured event c) under Online Shopping. ... Any activities carried out by You for business or professional purposes, whether in your capacity as an employee or self‐employed practitioner. ... War - War, hostilities or warlike activities (whether war is declared or not), invasion, civil uprisings, riot, rebellion, insurrection, illegal strikes, decrees of government, state or public authorities. ... Terrorism means any acts committed for political, religious, ideological or similar purposes, including the intention to influence any government and/or to put the public, or any section of the public, in fear, including cyber terrorism. ... Non-Fiat Currency - Any loss payment made in Non‐Fiat currencies including but not limited to Bitcoins. ... Outage/ Disturbance Loss - Any failure, interruption, degradation or outage of infrastructure or related services of the following third‐party providers: telecommunication, internet service, satellite, cable, electricity, gas or water providers. ... Illegal Use of Data - Any use of illegal data and/or illicit material which you are not authorized to use. ... Insolvency - The insolvency, liquidation, bankruptcy of an issuing bank or Mobile Wallet provider. ... a) Theft of Funds due to physical loss or theft of Your Computer system,\nb) Withdrawal of funds via ATM made through Your Bank account and/or Credit/Debit cards by a Third party\nc) Theft of Funds following physical theft or loss of Credit/Debit card, ... e) Circumstances or incidents that existed prior to inception of the Policy.","sources":[{"clause":"Section 3","heading":"EXCLUSIONS","page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/online-transaction-protection-insurance-irdan123rp0044v01202122/document/5080#c-section-3"},{"clause":"3.1","heading":"Retroactive Date","page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/online-transaction-protection-insurance-irdan123rp0044v01202122/document/5080#c-3-1"},{"clause":"3.2","heading":null,"page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/online-transaction-protection-insurance-irdan123rp0044v01202122/document/5080#c-3-2"},{"clause":"3.3","heading":null,"page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/online-transaction-protection-insurance-irdan123rp0044v01202122/document/5080#c-3-3"},{"clause":"3.4","heading":null,"page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/online-transaction-protection-insurance-irdan123rp0044v01202122/document/5080#c-3-4"},{"clause":"3.5","heading":null,"page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/online-transaction-protection-insurance-irdan123rp0044v01202122/document/5080#c-3-5"},{"clause":"3.6","heading":"War","page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/online-transaction-protection-insurance-irdan123rp0044v01202122/document/5080#c-3-6"},{"clause":"3.7","heading":"Terrorism","page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/online-transaction-protection-insurance-irdan123rp0044v01202122/document/5080#c-3-7"},{"clause":"3.8","heading":"Non-Fiat Currency","page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/online-transaction-protection-insurance-irdan123rp0044v01202122/document/5080#c-3-8"},{"clause":"3.9","heading":"Outage/ Disturbance Loss","page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/online-transaction-protection-insurance-irdan123rp0044v01202122/document/5080#c-3-9"},{"clause":"3.10","heading":"Illegal Use of Data","page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/online-transaction-protection-insurance-irdan123rp0044v01202122/document/5080#c-3-10"},{"clause":"3.11","heading":"Insolvency","page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/online-transaction-protection-insurance-irdan123rp0044v01202122/document/5080#c-3-11"},{"clause":"3.13","heading":"Others","page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/online-transaction-protection-insurance-irdan123rp0044v01202122/document/5080#c-3-13"}],"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 or write to customercare@cholams.murugappa.com to register the complaint. If dissatisfied or no response, escalate to the Nodal Officer at Nodalescalation@cholams.murugappa.com, then to the Chief Grievance Officer at GRO@cholams.murugappa.com before approaching the Insurance Ombudsman.","display":"Write to customercare@cholams.murugappa.com, then Nodal Officer, then Chief Grievance Officer, then 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 dissatisfied with the response or have not received a response, you may escalate the same to 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 (Quoting the previous Service request number)\n• If after having followed the above steps and your issue still remain unresolved, you may approach the Insurance Ombudsman for Redressal.","sources":[{"clause":null,"heading":"GRIEVANCE REDRESSAL","page":9,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/online-transaction-protection-insurance-irdan123rp0044v01202122/document/5080#c-grievance-redressal"},{"clause":null,"heading":"Procedure of Grievance Redressal","page":10,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/online-transaction-protection-insurance-irdan123rp0044v01202122/document/5080#c-procedure-of-grievance-redressal"},{"clause":null,"heading":"Escalation Matrix","page":10,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/online-transaction-protection-insurance-irdan123rp0044v01202122/document/5080#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":["Theft of Funds suffered by You as a result of a Cyber Incident or Hacking of Your Bank account, Credit/Debit card and/ or Mobile wallets by a Third Party","Legal Costs"],"display":"Theft of Funds from cyber incident or hacking of bank account, credit/debit card or mobile wallet; Legal Costs","note":null,"quote":"We will indemnify You for Theft of Funds suffered by You as a result of a Cyber Incident or Hacking of Your Bank account, Credit/Debit card and/ or Mobile wallets by a Third Party not exceeding a limit of INR equivalent of INR 150,000 (AOA:AOY 1:1) ... We will provide You coverage for Legal Costs within the limit of INR 150,000 in consultation with us to pursue a legal action, at our discretion, against Your Bank and/or Mobile wallet company for non‐reimbursement of funds due to a Theft of Funds event as set forth in Section 1.1.","sources":[{"clause":"1.1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/online-transaction-protection-insurance-irdan123rp0044v01202122/document/5080#c-1-1"},{"clause":"1.2","heading":null,"page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/online-transaction-protection-insurance-irdan123rp0044v01202122/document/5080#c-1-2"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"not-stated","value":null,"display":null,"note":"The CIS says loss participation is deductible as stated in the Policy Schedule, and the wording defines deductible but gives no amount.","quote":null,"sources":[],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"conflicting","value":"The insured can cancel the policy at any time during the term by informing the Company. The Company refunds proportion premium for the unexpired policy period if the policy term is up to one year and no claim(s) were made during the policy period.","display":"Cancel any time; refund of proportion premium for unexpired policy period if term is up to one year and no claim(s) made","note":"The retail wording and prospectus give proportion premium refund for the unexpired period if the term is up to one year and no claim was made. Another wording gives a 15 days written notice requirement with short-term premium retention and says no refund is allowed for period less than 12months.","quote":"1. 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 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. ... The Insured Beneficiary may cancel the insurance cover to him/her at any time during the Cover Period by giving 15 days written notice and if no claim has been made then the Company shall refund premium, by retaining short term Premium, as per the rates detailed below. ... No refund of premium for cancellation is allowed for period less than 12months.","sources":[{"clause":"4.14","heading":"Cancellation","page":9,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/online-transaction-protection-insurance-irdan123rp0044v01202122/document/5080#c-4-14"},{"clause":"4.14(b)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/online-transaction-protection-insurance-irdan123rp0044v01202122/document/5077#c-4-14-b-3"},{"clause":"4.14(d)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/online-transaction-protection-insurance-irdan123rp0044v01202122/document/5077#c-4-14-d-3"}],"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 territorial scope clause applies to loss or claims as mentioned in the Schedule, but the schedule is not included. The wording also has additional conditions for theft of funds while travelling outside India, but it does not state the overall geographic area of cover.","quote":null,"sources":[],"law":[]},{"key":"subject_covered","label":"What is insured","section":"Cover","meaning":"The thing or risk this policy covers.","status":"quote-verified","value":"The policy insures theft of funds suffered because of a cyber incident or hacking of the insured's bank account, credit/debit card and/or mobile wallets by a third party, and related legal costs for action against the bank or mobile wallet company for non-reimbursement.","display":"Theft of Funds from cyber incident or hacking of bank account, credit/debit card or mobile wallet, plus legal costs for non-reimbursement action","note":null,"quote":"We will indemnify You for Theft of Funds suffered by You as a result of a Cyber Incident or Hacking of Your Bank account, Credit/Debit card and/ or Mobile wallets by a Third Party not exceeding a limit of INR equivalent of INR 150,000 (AOA:AOY 1:1) ... We will provide You coverage for Legal Costs within the limit of INR 150,000 in consultation with us to pursue a legal action, at our discretion, against Your Bank and/or Mobile wallet company for non‐reimbursement of funds due to a Theft of Funds event as set forth in Section 1.1.","sources":[{"clause":"1.1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/online-transaction-protection-insurance-irdan123rp0044v01202122/document/5080#c-1-1"},{"clause":"1.2","heading":null,"page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/online-transaction-protection-insurance-irdan123rp0044v01202122/document/5080#c-1-2"}],"law":[]}],"documents":[{"kind":"wording","label":"Online Transaction Protection Insurance.pdf","pages":15,"fetched_at":"2026-10-17 19:43:33+00","source_url":"https://www.cholainsurance.com/documents/20121/o/Online%20Transaction%20Protection%20Insurance.pdf/4ca5ebea-3d19-5ce4-1659-ab5ddf8374a4","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/online-transaction-protection-insurance-irdan123rp0044v01202122/document/5077"},{"kind":"wording","label":"Online Transaction Protection Insurance (Retail) - Policy Wording.pdf","pages":12,"fetched_at":"2026-10-17 19:43:35+00","source_url":"https://www.cholainsurance.com/documents/20121/o/Online%20Transaction%20Protection%20Insurance%20(Retail)%20-%20Policy%20Wording.pdf/6e55de12-3d9f-d9c1-2666-2ce6fb3d0bdc","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/online-transaction-protection-insurance-irdan123rp0044v01202122/document/5080"},{"kind":"prospectus","label":"Prospectus-Online Transaction Protection Insurance (Retail).pdf","pages":4,"fetched_at":"2026-10-17 19:43:14+00","source_url":"https://www.cholainsurance.com/documents/20121/o/Prospectus-Online%20Transaction%20Protection%20Insurance%20(Retail).pdf/09e6db8c-45c2-c383-e674-3f1424813039","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/online-transaction-protection-insurance-irdan123rp0044v01202122/document/5059"},{"kind":"cis","label":"CIS-Online Trasaction Protection (Retail).pdf","pages":3,"fetched_at":"2026-10-17 19:41:02+00","source_url":"https://www.cholainsurance.com/documents/20121/o/CIS-Online%20Trasaction%20Protection%20(Retail).pdf/5a7b718c-45e0-516b-dfdb-0669c3399b0d","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/online-transaction-protection-insurance-irdan123rp0044v01202122/document/4949"}],"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":"Online Transaction Protection Insurance (UIN IRDAN123RP0044V01202122), IndiaInsurances, https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/online-transaction-protection-insurance-irdan123rp0044v01202122"}