{"uin":"IRDAN125CP0002V01201617","name":"Political Risk Insurance","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/political-risk-insurance-irdan125cp0002v01201617","insurer":{"slug":"hdfc-ergo-general-insurance","name":"HDFC ERGO General Insurance Company Limited","url":"https://indiainsurances.com/insurer/hdfc-ergo-general-insurance"},"line":"general","category":"other-general","category_name":"Other general insurance","irdai_type":null,"kind":"product","status":"active","approved_on":"2016-07-21","withdrawn_on":null,"summary":"The policy protects insured investments, rights and assets in overseas markets against specified political risks. Covered Political Risk Events include Expropriatory Act, Selective Discrimination, Forced Abandonment, Forced Divestiture, Deprivation, Political Violence and Currency Inconvertibility.","analysis":{"state":"machine","analysed_at":"2026-10-20 02:40:44.327818+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":"No named plan variants are printed in the documents provided.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The specimen schedule has blank From/To fields for the Policy Period and does not state a fixed policy term.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"The insured must notify the underwriter within thirty (30) days from when the Risk Management Team became aware of an event that could give rise to a claim, and submit a written claim within twenty four (24) months.","display":"Notify within thirty (30) days; submit a written Claim within twenty four (24) months","note":null,"quote":"The Insured must notify the Underwriter within thirty (30) days from the date upon which the Risk Management Team became aware of the occurrence of any event that could give rise to a Claim, and submit a written Claim within twenty four (24) months","sources":[{"clause":"7.1(a)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/political-risk-insurance-irdan125cp0002v01201617/document/6796#c-7-1-a"}],"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 intimation letter by the insured or by any person authorized by the insured within 30 days","Detailed description of the alleged act or series of acts in chronological order within 24 months, with all supporting documents","Detailed about the nature of the alleged or potential loss","Provide periodic and timely updates concurrent with activity taking place during the covered incident","Internal Investigation report, if any, from the Insured giving an Insight into loss","Any other additional evidence or documents, as may be requested by the underwriter"],"display":"Claim intimation letter within 30 days, detailed description within 24 months with supporting documents, details of loss, updates, internal investigation report if any, and any other evidence or documents requested","note":"The policy wording also says the insured must provide any additional evidence reasonably requested by the underwriter.","quote":"• Claim intimation letter by the insured or by any person authorized by the insured within 30 days from the date upon which the Risk Man-agement Team of the insured became aware of the occurrence of any event that could give rise to a claim; ... • Detailed description of the alleged act or se-ries of acts in chronological order within 24 months, satisfactory to the Underwriter with all supporting documents, which demonstrates that the loss was caused by Political Risk Event as defined in this insurance policy; ... • Detailed about the nature of the alleged or po-tential loss; ... • Provide periodic and timely updates concur-rent with activity taking place during the cov-ered incident; ... • Internal Investigation report, if any, from the Insured giving an Insight into loss ... • Any other additional evidence or documents, as may be requested by the underwriter, in or-der to prove the claim.","sources":[{"clause":null,"heading":"Political Risk Insurance Policy","page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/political-risk-insurance-irdan125cp0002v01201617/document/6785#c-political-risk-insurance-policy-2"}],"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":"Surveyors provide assessment in 7 working days from receipt of complete documents from the client. HDFC ERGO processes the claim in 7 working days from receipt of complete documents along with assessment.","display":"Surveyor assessment in 7 working days from complete documents; HDFC ERGO process in 7 working days from complete documents along with assessment","note":"The policy wording says the underwriter shall determine the claim promptly after all evidence is provided; the CIS gives the 7 working day TATs.","quote":"• Turn Around Time (TAT) for claims set-tlement Surveyors will be providing Assessment in 7 working days from receipt of complete docu-ments from the client. HDFC ERGO will process the claim in 7 working days from receipt of complete documents along with assessment.","sources":[{"clause":null,"heading":"Political Risk Insurance Policy","page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/political-risk-insurance-irdan125cp0002v01201617/document/6785#c-political-risk-insurance-policy-2"}],"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":["failure to comply with the laws of the Host Country","failure of the Insured or the Foreign Enterprise to comply with the applicable environmental, public health and worker safety standards of the World Bank","the Insured, the Foreign Enterprise or their representatives engaging in any illegal or criminal activities","ionising radiations from or contamination by radioactivity from any nuclear fuel or from any nuclear waste","any weapon of war employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or matter","any chemical, biological, bio-chemical, or electromagnetic weapon","the insolvency, bankruptcy or financial default of the Foreign Enterprise or the Insured","the material breach by the Insured or the Foreign Enterprise of any contractual agreements with the Host Government","failure by the Insured or the Foreign Enterprise to take all reasonable measures to protect or preserve the property of the Foreign Enterprise","unable legally to convert Local Currency or transfer Policy Currency at the inception of the Policy Period","fails to exercise all reasonable efforts to convert Local Currency or transfer Policy Currency during the Waiting Period","as a consequence of devaluation or fluctuation of the Local Currency"],"display":"Main exclusions include failure to comply with host-country laws or World Bank standards, illegal or criminal activities, nuclear/radioactive contamination, atomic/nuclear weapons, chemical/biological/bio-chemical/electromagnetic weapons, insolvency or financial default, breach of agreements with the Host Government, failure to protect property, and specified Currency Inconvertibility grounds","note":null,"quote":"a) the Insured’s or the Foreign Enterprise’s failure to comply with the laws of the Host Country in force at inception of the Policy Period, or from any failure of the Insured or the Foreign Enterprise to comply with the applicable environmental, public health and worker safety standards of the World Bank. ... b) the Insured, the Foreign Enterprise or their representatives engaging in any illegal or criminal activities; ... i) ionising radiations from or contamination by radioactivity from any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel ... iii) any weapon of war employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or matter. ... v) any chemical, biological, bio-chemical, or electromagnetic weapon. ... d) the insolvency, bankruptcy or financial default of the Foreign Enterprise or the Insured, or from the repossession of property by any titleholder unless this has been caused by a Political Risk Event; or ... e) the material breach by the Insured or the Foreign Enterprise of any contractual agreements with the Host Government. ... A loss which results due to the failure by the Insured or the Foreign Enterprise to take all reasonable measures to protect or preserve the property of the Foreign Enterprise shall not be the basis for a Claim of Political Violence ... a) the Insured or Foreign Enterprise would have been unable legally to convert Local Currency or transfer Policy Currency at the inception of the Policy Period; ... b) the Insured or Foreign Enterprise fails to exercise all reasonable efforts to convert Local Currency or transfer Policy Currency during the Waiting Period ... d) as a consequence of devaluation or fluctuation of the Local Currency.","sources":[{"clause":"5.1(a)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/political-risk-insurance-irdan125cp0002v01201617/document/6796#c-5-1-a"},{"clause":"5.1(b)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/political-risk-insurance-irdan125cp0002v01201617/document/6796#c-5-1-b"},{"clause":"5.1(c)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/political-risk-insurance-irdan125cp0002v01201617/document/6796#c-5-1-c"},{"clause":"5.1(d)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/political-risk-insurance-irdan125cp0002v01201617/document/6796#c-5-1-d"},{"clause":"5.1(e)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/political-risk-insurance-irdan125cp0002v01201617/document/6796#c-5-1-e"},{"clause":"5.2","heading":"A loss which results due to the failure by the Insured or","page":7,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/political-risk-insurance-irdan125cp0002v01201617/document/6796#c-5-2"},{"clause":"5.3(a)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/political-risk-insurance-irdan125cp0002v01201617/document/6796#c-5-3-a"},{"clause":"5.3(b)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/political-risk-insurance-irdan125cp0002v01201617/document/6796#c-5-3-b"},{"clause":"5.3(d)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/political-risk-insurance-irdan125cp0002v01201617/document/6796#c-5-3-d"}],"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 HDFC ERGO through phone, grievance email, branch grievance officer, website, courier, or the Complaint & Grievance Redressal Cell. If not satisfied, contact the Head of Customer Service, then write to the Chief Grievance Officer before approaching the Insurance Ombudsman.","display":"Contact HDFC ERGO or the C&G Redressal Cell first; escalate to Head of Customer Service, then Chief Grievance Officer","note":null,"quote":"If you have a grievance that you wish us to redress, you may contact us with the details of your grievance through:\n• Contact us- 022 6158 2020/ 022 6234 6234\n• Emails – grievance@hdfcergo.com\n• Designated Grievance Officer in each branch. ... You may also approach the Complaint & Grievance (C&G) Redressal Cell at any of our branches ... If you are not satisfied with our redressal of your grievance through one of the above methods, you may contact our Head of Customer Service ... then you can write to the Chief Grievance Officer of the Company at the following address ... You may also approach the nearest Insurance Ombudsman for resolution, if your grievance is not redressed by the Company.","sources":[{"clause":null,"heading":"GRIEVANCE REDRESSAL PROCEDURE","page":11,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/political-risk-insurance-irdan125cp0002v01201617/document/6796#c-grievance-redressal-procedure-2"},{"clause":null,"heading":"To the Chief Grievance Officer","page":11,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/political-risk-insurance-irdan125cp0002v01201617/document/6796#c-to-the-chief-grievance-officer"}],"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":["Expropriatory Act","Selective Discrimination","Forced Abandonment","Forced Divestiture","Deprivation","Political Violence: Physical Damage","Business Interruption following Political Violence","Currency Inconvertibility"],"display":"Expropriatory Act, Selective Discrimination, Forced Abandonment, Forced Divestiture, Deprivation, Political Violence physical damage, Business Interruption following Political Violence, and Currency Inconvertibility","note":null,"quote":"Covers the loss due to Political Risk Events: (a) Expropriatory Act; and/or (b) Selective Discrimination; and/or (c) Forced Abandonment; and/or (d) Forced Divestiture; and/or (e) Deprivation; and/or (f) Political Violence: i) Physical Damage ii) Business Interruption following Political Violence; and/ or (g) Currency Inconvertibility and for which the Date of Loss occurs during the Policy Period","sources":[{"clause":"Row 6","heading":"Policy Coverage","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/political-risk-insurance-irdan125cp0002v01201617/document/6785#c-row-6"}],"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 wording defines the deductible as the amount stated in Item 14(a) of the Schedule and applying to each instance of Political Violence loss, but the specimen schedule does not print an 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":"quote-verified","value":"The insured can cancel the policy at any time during the policy term by informing the company. The company refunds proportion premium for the unexpired policy period, subject to no claims made during the policy period.","display":"Proportion premium for unexpired policy period, subject to no claim(s)","note":null,"quote":"The Insured can cancel the policy at any time during the policy 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. The Company shall refund proportion premium for unexpired policy period subject to no claim(s) made during the policy period.","sources":[{"clause":"8.3","heading":"Cancellation","page":9,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/political-risk-insurance-irdan125cp0002v01201617/document/6796#c-8-3"}],"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 cover is tied to the Host Country identified in the schedule, but the specimen schedule does not name the country.","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 covers the insured’s investments in overseas markets, and the insured’s rights, assets and investment, against unpredictable losses due to specified political risks and arbitrary government action.","display":"Insured’s investments, rights and assets in overseas market against specified political risks","note":null,"quote":"Protecting Insured’s investments in overseas market against unpredictable losses due to specified political risks. Protecting insured’s rights, assets and investment against the negative effects of arbitrary government action.","sources":[{"clause":"Row 4","heading":"Interests Insured","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/political-risk-insurance-irdan125cp0002v01201617/document/6785#c-row-4"}],"law":[]}],"documents":[{"kind":"wording","label":"Political Risk Insurance Policy","pages":14,"fetched_at":"2026-10-17 19:51:16+00","source_url":"https://customer-portal-assets.hdfcergo.com/documents/political-risk-insurance-policy-7832019217.pdf","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/political-risk-insurance-irdan125cp0002v01201617/document/6796"},{"kind":"prospectus","label":"Political Risk Insurance","pages":3,"fetched_at":"2026-10-17 19:50:36+00","source_url":"https://customer-portal-assets.hdfcergo.com/assets/v2/docs/default-source/downloads/prospectus/political-risk-715856892180.pdf","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/political-risk-insurance-irdan125cp0002v01201617/document/6765"},{"kind":"prospectus","label":"Political Risk Insurance","pages":1,"fetched_at":"2026-10-17 19:51:06+00","source_url":"https://customer-portal-assets.hdfcergo.com/assets/v2/docs/default-source/downloads/prospectus/political-risk---prospectus-779224284776.pdf","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/political-risk-insurance-irdan125cp0002v01201617/document/6787"},{"kind":"cis","label":"Political Risk Insurance Policy","pages":5,"fetched_at":"2026-10-17 19:51:00+00","source_url":"https://customer-portal-assets.hdfcergo.com/assets/docs/default-source/downloads/cis/other/politicalriskinsurancepolicy-396411623590.pdf","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/political-risk-insurance-irdan125cp0002v01201617/document/6785"}],"versions":[{"uin":"IRDAN125P0002V01201617","version":null,"approved_on":null},{"uin":"IRDAN125CP0002V01201617","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"HDFC ERGO General Insurance official website","url":"https://www.hdfcergo.com/","note":"Buy directly from the insurer."},{"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":"insurer","name":"Claim intimation and process","url":"https://www.hdfcergo.com/claim/register-bike-insurance-claim/cashless-claims","note":null},{"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":"insurer","name":"Grievance redressal","url":"https://www.hdfcergo.com/customer-voice/grievances","note":null},{"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. 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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."},{"purpose":"renew","kind":"insurer","name":"Renew car insurance","url":"https://www.hdfcergo.com/renew-car-insurance","note":null}],"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":"Political Risk Insurance (UIN IRDAN125CP0002V01201617), IndiaInsurances, https://indiainsurances.com/policy/hdfc-ergo-general-insurance/political-risk-insurance-irdan125cp0002v01201617"}