{"uin":"IRDAN123RP0045V01202122","name":"Chola Farmercare Insurance Policy","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-farmercare-insurance-policy-irdan123rp0045v01202122","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":"rural","category_name":"Crop, cattle and rural","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Chola Farmercare Insurance Policy is a rural package for farmers with optional property, accident and personal covers chosen by section. Its accident medical cover reimburses hospitalisation expenses with 60 days pre-hospitalisation and 90 days post-hospitalisation, and the policy is issued for a maximum cover period of 12 Months.","analysis":{"state":"machine","analysed_at":"2026-10-20 03:43:50.684677+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"The documents describe sections and optional covers, not named plan variants.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"The policy is issued for a maximum cover period of 12 Months.","display":"Maximum cover period of 12 Months","note":null,"quote":"The policy will be issued for a maximum cover period of 12 Months.","sources":[{"clause":null,"heading":"COVER PERIOD","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-farmercare-insurance-policy-irdan123rp0045v01202122/document/5133#c-cover-period"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"conflicting","value":"Section I requires immediate notice after physical loss or damage. For Sections II to VI and other personal covers, the insured must forthwith contact the Company; for accident bodily injury claims, intimation must be forthwith and not later than 15 days of occurrence.","display":"Immediate or forthwith; accident bodily injury claims not later than 15 days","note":"The CIS says: 'Upon the happening of any event giving rise to a claim, the insured shall contact us within 48 hours and notify the claim.'","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. ... Upon the happening of any event giving rise or likely to give rise to a claim, the insured shall forthwith contact the Company and intimate the claim. ... Upon the happening of any accidental bodily injury giving rise or likely to give rise to a claim, the insured or someone on his/her behalf shall forthwith contact the Company and intimate the claim, in any case, not later than 15 days of such occurrence. ... Upon the happening of any event giving rise to a claim, the insured shall contact us\nwithin 48 hours and notify the claim.","sources":[{"clause":"6(a)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-farmercare-insurance-policy-irdan123rp0045v01202122/document/5154#c-6-a-6"},{"clause":"19(III)(b)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-farmercare-insurance-policy-irdan123rp0045v01202122/document/5154#c-19-iii-b"},{"clause":"19(III)(l)","heading":null,"page":34,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-farmercare-insurance-policy-irdan123rp0045v01202122/document/5154#c-19-iii-l"},{"clause":"4(c)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-farmercare-insurance-policy-irdan123rp0045v01202122/document/5029#c-4-c"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Claim form","FIR/FR","Proof in support of Cause of Loss/Operation of Insured peril","Books of Accounts","Stock Register","Repair / Reinstatement Bills","Proof of Reinstatement","KYC documents PAN, ROC certificate, Aadhar, GST Registration Cert Etc.","Death Certificate, (in respect of death claims)","Post-Mortem report/Coroner’s report, Viscera Report-if conducted (in respect of death claims)","Copy of FIR, Panchnama/inquest report","All original Diagnostic/investigation reports and films","Hospital discharge card, wherever admitted in hospital","Hospital Bills with detailed break-up and original Receipts for all medical expenses incurred","NEFT details & cancelled cheque."],"display":"Claim form, FIR/FR, proof of cause, books/stock register, repair or reinstatement bills, KYC, accident medical/death documents and NEFT details","note":"Documents vary by the section and cause of claim.","quote":"Documents required for Claim processing:\n• Claim form,\n• FIR/FR,\n• Proof in support of Cause of Loss/Operation of Insured peril,\n• Books of Accounts,\n• Stock Register,\n• Repair / Reinstatement Bills,\n• Proof of Reinstatement,\n• KYC documents PAN, ROC certificate, Aadhar, GST Registration Cert Etc., ... Death Certificate, (in respect of death claims) ... Post-Mortem report/Coroner’s report, Viscera Report-if conducted (in respect of death claims) ... Copy of FIR, Panchnama/inquest report ... All original Diagnostic/investigation reports and films ... Hospital discharge card, wherever admitted in hospital ... Hospital Bills with detailed break-up and original Receipts for all medical expenses incurred, ... NEFT details & cancelled cheque.","sources":[{"clause":"19(III)(l)","heading":null,"page":34,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-farmercare-insurance-policy-irdan123rp0045v01202122/document/5154#c-19-iii-l"},{"clause":"19(III)(b)","heading":null,"page":34,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-farmercare-insurance-policy-irdan123rp0045v01202122/document/5154#c-19-iii-b-3"},{"clause":"19(III)(c)","heading":null,"page":34,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-farmercare-insurance-policy-irdan123rp0045v01202122/document/5154#c-19-iii-c-2"},{"clause":"19(III)(d)","heading":null,"page":34,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-farmercare-insurance-policy-irdan123rp0045v01202122/document/5154#c-19-iii-d-2"},{"clause":"19(III)(g)","heading":null,"page":34,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-farmercare-insurance-policy-irdan123rp0045v01202122/document/5154#c-19-iii-g-2"},{"clause":"19(III)(h)","heading":null,"page":34,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-farmercare-insurance-policy-irdan123rp0045v01202122/document/5154#c-19-iii-h-2"},{"clause":"19(III)(i)","heading":null,"page":34,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-farmercare-insurance-policy-irdan123rp0045v01202122/document/5154#c-19-iii-i-2"},{"clause":"19(III)(m)","heading":null,"page":34,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-farmercare-insurance-policy-irdan123rp0045v01202122/document/5154#c-19-iii-m"}],"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":"conflicting","value":"The policy wording says the insurer will offer a settlement within 30 days from receipt of the last relevant document or information, after the final survey, additional survey or investigation report as applicable. If not settled within 30 days, interest is payable at 2% above the bank rate from receipt of the last relevant and necessary document until payment.","display":"30 days from receipt of last document/information","note":"Prospectus says: 'Turn Around Time for claims settlement is 21 working days.' CIS says: 'Turn Around Time for claims settlement is 7 Days from receipt of Award / Last Document.'","quote":"we shall, with in a period of 30 days from the date of receipt of last document/information, offer a settlement of the claim to the insured/claimant. ... In the event the claim is not settled within 30 days as stipulated above, we shall be liable to pay interest at a rate, which is 2% above the bank rate from the date of receipt of last relevant and necessary document from the insured/claimant by us till the date of actual payment. ... Turn Around Time for claims settlement is 21 working days. ... Turn Around Time for claims settlement is 7 Days from receipt of Award / Last Document","sources":[{"clause":"19(III)(f)","heading":null,"page":35,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-farmercare-insurance-policy-irdan123rp0045v01202122/document/5154#c-19-iii-f-3"},{"clause":"3(III)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-farmercare-insurance-policy-irdan123rp0045v01202122/document/5133#c-3-iii"},{"clause":"4(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-farmercare-insurance-policy-irdan123rp0045v01202122/document/5029#c-4-b"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Loss, destruction or damage caused by war, invasion, act of foreign enemy hostilities or war like operations","Ionizing radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel.","Consequential loss of any kind or description.","your deliberate, wilful or intentional act or omission","Pollution or contamination","Loss, damage or destruction to any electrical/electronic machine, apparatus, fixture, or fitting by over- running, excessive pressure, short circuiting, arcing, self- heating or leakage of electricity from whatever cause","Loss of any Insured Property which is missing or has been mislaid, or its disappearance cannot be linked to any single identifiable event.","Any Pre-existing Condition(s) and complications arising out of or resulting therefrom.","Through suicide, attempted suicide (whether sane and insane) or intentionally self-inflicted injury or illness.","Due to participation as a professional in hazardous or adventure sports","While under the influence of liquor or drugs, alcohol or other intoxicants.","Any treatment taken outside India.","Expenses related to any unproven treatment, services and supplies for or in connection with any treatment."],"display":"War, nuclear/radiation, consequential loss, deliberate acts, pollution, electrical short-circuit type damage, missing property, pre-existing conditions, suicide/self-injury, professional hazardous sports, intoxication, treatment outside India and unproven treatments","note":"The product also has section-specific exclusions for each cover.","quote":"Loss, destruction or damage caused by war, invasion, act of foreign enemy hostilities or war like operations ... Ionizing radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. ... Consequential loss of any kind or description. ... your deliberate, wilful or intentional act or omission ... Pollution or contamination ... Loss, damage or destruction to any electrical/electronic machine, apparatus, fixture, or fitting by over- running, excessive pressure, short circuiting, arcing, self- heating or leakage of electricity from whatever cause ... Loss of any Insured Property which is missing or has been mislaid, or its disappearance cannot be linked to any single identifiable event. ... Any Pre-existing Condition(s) and complications arising out of or resulting therefrom. ... Through suicide, attempted suicide (whether sane and insane) or intentionally self-inflicted injury or illness. ... Due to participation as a professional in hazardous or adventure sports ... While under the influence of liquor or drugs, alcohol or other intoxicants. ... Any treatment taken outside India. ... Expenses related to any unproven treatment, services and supplies for or in connection with any treatment.","sources":[{"clause":"19(ii)","heading":null,"page":31,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-farmercare-insurance-policy-irdan123rp0045v01202122/document/5154#c-19-ii"},{"clause":"19(a)","heading":null,"page":31,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-farmercare-insurance-policy-irdan123rp0045v01202122/document/5154#c-19-a"},{"clause":"19(b)","heading":null,"page":32,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-farmercare-insurance-policy-irdan123rp0045v01202122/document/5154#c-19-b"},{"clause":"6(b)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-farmercare-insurance-policy-irdan123rp0045v01202122/document/5154#c-6-b-4"},{"clause":"6(b)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-farmercare-insurance-policy-irdan123rp0045v01202122/document/5154#c-6-b-5"},{"clause":null,"heading":"Additional Benefit 4-Funeral Expenses","page":22,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-farmercare-insurance-policy-irdan123rp0045v01202122/document/5154#c-additional-benefit-4-funeral-expenses"},{"clause":"6","heading":null,"page":24,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-farmercare-insurance-policy-irdan123rp0045v01202122/document/5154#c-6-5"},{"clause":"11","heading":"Unproven Treatments Code","page":24,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-farmercare-insurance-policy-irdan123rp0045v01202122/document/5154#c-11-2"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact the company through its website, toll-free number, email or courier to the Manager, Grievance Cell. If dissatisfied or no response, escalate to the Nodal Officer and then the Chief Grievance Officer before approaching the Insurance Ombudsman.","display":"Company 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\nCourier: | Manager, Grievance Cell, ... you may escalate the same to our Nodal Officer - Nodalescalation@cholams.murugappa.com ... you may escalate the same to our Chief Grievance Officer - GRO@cholams.murugappa.com ... you may approach the Insurance Ombudsman for Redressal.","sources":[{"clause":null,"heading":"XVI. Other Details","page":37,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-farmercare-insurance-policy-irdan123rp0045v01202122/document/5154#c-xvi-other-details"},{"clause":null,"heading":"Escalation Matrix","page":37,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-farmercare-insurance-policy-irdan123rp0045v01202122/document/5154#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 Insurance for Residential Premises","Burglary Insurance for Residential contents","Farm Produce and Implements cover","Breakdown of Domestic Appliances","Agricultural Pump set Insurance","Pedal Cycle Insurance","Personal Accident Insurance","Loan Protector cover","Medical Insurance for Accident treatment","Daily Cash allowance for Accident Treatment","Personal Accident for Dependents","Portable Equipment’s Cover","Card liability Insurance","Personal Legal Liability"],"display":"Property, burglary, farm produce/implements, domestic appliances, pumpset, pedal cycle, personal accident, loan protector, accident medical, daily cash, dependents, portable equipment, card liability and personal legal liability covers","note":"The proposer must opt for at least one section from Sections I and VII; other covers are chosen as needed.","quote":"I | Fire Insurance for Residential Premises | Provides insurance cover for Physical loss or damage or destruction by Fire and allied perils as listed. ... II | Burglary Insurance for Residential contents | Burglary, Housebreaking, Robbery, Theft cover for Contents ... III | Farm Produce and Implements cover | Coverage for Farm produce meant for commercial sale and Farm implements ... IV | Breakdown of Domestic Appliances | Mechanical and/or Electrical breakdown ... V | Agricultural Pump set Insurance | Loss or physical damage caused to the Agricultural Pump set ... VI | Pedal Cycle Insurance | Loss or damage to the pedal cycle ... VII | Personal Accident Insurance | Accidental death, PTD and PPD for Insured. ... VIII | Loan Protector cover | In case of admissible claim under death or PTD benefit ... IX | Medical Insurance for Accident treatment | Hospitalization expenses for treatment of accidental bodily injury ... X | Daily Cash allowance for Accident Treatment | Daily cash amount as opted ... XI | Personal Accident for Dependents | Accidental death and PTD covers ... XII | Portable Equipment’s Cover | Cover for Repair or replacement costs ... XIII | Card liability Insurance | Covers the financial losses suffered ... XIV Personal | Covers legal liability to pay compensation","sources":[{"clause":"Part A","heading":"PROPERTY COVERS","page":2,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-farmercare-insurance-policy-irdan123rp0045v01202122/document/5133#c-part-a"},{"clause":"Part B","heading":"ACCIDENT COVERS","page":3,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-farmercare-insurance-policy-irdan123rp0045v01202122/document/5133#c-part-b"},{"clause":"Part C","heading":"OTHER PERSONAL COVERS","page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-farmercare-insurance-policy-irdan123rp0045v01202122/document/5133#c-part-c"}],"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 points to 'Deductible as stated in Policy Schedule'. The accident medical cover itself does not print a deductible.","quote":null,"sources":[],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The insured can cancel at any time by informing the Company. If the policy term is up to one year and no claim has been made during the policy period, the company refunds proportionate premium for the unexpired policy period.","display":"Proportionate premium for unexpired policy period, if term up to one year and no claim made","note":null,"quote":"The insured can cancel the policy at any time during the term, by informing the Company. ... 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.","sources":[{"clause":"19(i)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-farmercare-insurance-policy-irdan123rp0045v01202122/document/5154#c-19-i-3"},{"clause":"19(ii)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-farmercare-insurance-policy-irdan123rp0045v01202122/document/5154#c-19-ii-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":"quote-verified","value":"All covers except Sections VII, VIII, XIA, XII and XIII are restricted within India only. Portable equipment cover applies whilst anywhere in the world.","display":"India only for most covers; portable equipment anywhere in the world","note":"The territorial condition excepts Sections VII, VIII, XIA, XII and XIII from the India-only restriction; Section XII separately says anywhere in the world.","quote":"All covers (except under sections VII, VIII, XIA, XII and XIII) are restricted within India only. Our liability to make any payment shall be to make payment within India and in Indian Rupees only, in respect of all sections under the policy. ... provided that it is in the personal care and custody of the insured whilst anywhere in the world","sources":[{"clause":"19(III)(f)(iii)","heading":null,"page":36,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-farmercare-insurance-policy-irdan123rp0045v01202122/document/5154#c-19-iii-f-iii"},{"clause":null,"heading":"Scope of Cover","page":27,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-farmercare-insurance-policy-irdan123rp0045v01202122/document/5154#c-scope-of-cover"}],"law":[]},{"key":"subject_covered","label":"Crop or animal covered","section":"Cover","meaning":"What is insured.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"claim_trigger","label":"Claim trigger","section":"Claims","meaning":"What has to happen for a payout: yield loss, weather index, death of animal.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Chola Farmercare Insurance Policy.pdf","pages":42,"fetched_at":"2026-10-17 19:44:53+00","source_url":"https://www.cholainsurance.com/documents/20121/o/Chola%20Farmercare%20Insurance%20Policy.pdf/87d15052-9564-8186-0035-694693d3a9b0","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-farmercare-insurance-policy-irdan123rp0045v01202122/document/5154"},{"kind":"prospectus","label":"Prospectus-Chola Farmercare Insurance Policy.pdf","pages":8,"fetched_at":"2026-10-17 19:44:35+00","source_url":"https://www.cholainsurance.com/documents/20121/o/Prospectus-Chola%20Farmercare%20Insurance%20Policy.pdf/0d687ff7-4b9a-4d5c-fdf9-41228e0ad446","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-farmercare-insurance-policy-irdan123rp0045v01202122/document/5133"},{"kind":"cis","label":"CIS-Chola Farmcare Insurance Policy.pdf","pages":5,"fetched_at":"2026-10-17 19:42:39+00","source_url":"https://www.cholainsurance.com/documents/20121/o/CIS-Chola%20Farmcare%20Insurance%20Policy.pdf/0907d296-d01b-321d-bf1f-ffc8ea46e04f","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-farmercare-insurance-policy-irdan123rp0045v01202122/document/5029"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Cholamandalam MS General Insurance official website","url":"https://www.cholainsurance.com","note":"Website as listed by IRDAI. Not checked: the site returned HTTP 502 to our crawler on 2026-10-19."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Chola Farmercare Insurance Policy (UIN IRDAN123RP0045V01202122), IndiaInsurances, https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-farmercare-insurance-policy-irdan123rp0045v01202122"}