{"uin":"IRDAN132CPLB0002V01201617","name":"Commercial Crime Insurance","url":"https://indiainsurances.com/policy/generali-central-insurance/commercial-crime-insurance-irdan132cplb0002v01201617","insurer":{"slug":"generali-central-insurance","name":"Generali Central Insurance Company Limited","url":"https://indiainsurances.com/insurer/generali-central-insurance"},"line":"general","category":"other-general","category_name":"Other general insurance","irdai_type":null,"kind":"product","status":"active","approved_on":"2016-11-02","withdrawn_on":null,"summary":"Commercial Crime Insurance indemnifies the insured for loss from employee fraud or dishonesty and fraudulent acts by other persons discovered during the policy period or discovery period. Claims must be notified in writing as soon as practicable and no later than 60 days after discovery, with affirmative proof of loss within 6 months.","analysis":{"state":"machine","analysed_at":"2026-10-20 02:40:22.220752+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 product plans or variants are stated in the wording.","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 wording says the policy period is specified in the Schedule, but the Schedule is not provided.","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":"Written notice to the insurer must be given as soon as practicable and in any event no later than 60 days after loss is discovered. Notice must also be given to the police.","display":"As soon as practicable, but no later than 60 days after loss is discovered; notice to the police also required.","note":null,"quote":"The insured shall, as a condition precedent to the obligations of the insurer under this policy:\na) give written notice to the insurer as soon as practicable but in any event no later than 60 days after loss is discovered; and\nb) give notice to the police.","sources":[{"clause":"6.6","heading":"How to give notice and report a loss","page":13,"url":"https://indiainsurances.com/policy/generali-central-insurance/commercial-crime-insurance-irdan132cplb0002v01201617/document/6096#c-6-6"}],"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":["all requested information and documents","affirmative proof of loss with full particulars"],"display":"All requested information and documents; affirmative proof of loss with full particulars within 6 months of discovery unless there is a conclusive investigative specialist report.","note":null,"quote":"provide the insurer with all requested information and documents and co-operate with the insurer in all matters pertaining to the loss; and\nd) furnish to the insurer affirmative proof of loss with full particulars within 6 months of discovery in the absence of a conclusive report by an investigative specialist.","sources":[{"clause":"6.6","heading":"How to give notice and report a loss","page":13,"url":"https://indiainsurances.com/policy/generali-central-insurance/commercial-crime-insurance-irdan132cplb0002v01201617/document/6096#c-6-6"}],"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":"not-stated","value":null,"display":null,"note":"The wording describes loss settlement methods but does not state a promised time for deciding or paying claims.","quote":null,"sources":[],"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":["Indirect or consequential loss of any nature","Loss resulting from the complete or partial non-payment of or default upon any credit arrangement","Loss resulting directly or indirectly from any act or series of acts committed by any director or partner of the insured","Fees, costs or other expenses incurred in establishing the existence or amount of loss covered under this policy","Fines, penalties or damages of any type","Loss or damage caused by fire","Loss involving any person who, at the time of committing an act which results in a loss covered by this policy, owns or controls more than 5% of the insured’s issued share capital of any insured","Loss the insured discovered prior to the commencement of the policy period or subsequent to the expiry of the policy period or discovery period","profit and loss computation or comparison","comparison of inventory records with an actual physical count","Loss of or arising from directly or indirectly the accessing of any confidential information","ionising radiations or contamination by radioactivity","Loss arising out of theft occasioning the use of forcible and violent means","Loss arising out of the voluntary giving or surrendering of money, securities or other property in any exchange or purchase","Loss which arises directly or indirectly out of war","Loss, damage cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any act of terrorism"],"display":"Main exclusions include consequential loss, credit risks, directors/partners, fees/costs to establish loss, fines/penalties/damages, fire, major shareholder losses, prior or subsequent discovery, profit/loss or inventory computation, confidential information, radioactivity/nuclear, violent theft, voluntary exchange or purchase, war, and terrorism.","note":null,"quote":"Indirect or consequential loss of any nature ... Loss resulting from the complete or partial non-payment of or default upon any credit arrangement ... Loss resulting directly or indirectly from any act or series of acts committed by any director or partner of the insured ... Fees, costs or other expenses incurred in establishing the existence or amount of loss covered under this policy ... Fines, penalties or damages of any type ... Loss or damage caused by fire ... Loss involving any person who, at the time of committing an act which results in a loss covered by this policy, owns or controls more than 5% of the insured’s issued share capital of any insured. ... Loss the insured discovered:\ni) prior to the commencement of the policy period; or\nii) subsequent to the expiry of the policy period or discovery period. ... Loss, the proof of which is dependent solely upon a:\ni) profit and loss computation or comparison; or\nii) comparison of inventory records with an actual physical count. ... Loss of or arising from directly or indirectly the accessing of any confidential information ... ionising radiations or contamination by radioactivity ... Loss arising out of theft occasioning the use of forcible and violent means ... Loss arising out of the voluntary giving or surrendering (whether or not such giving and surrendering is induced by deception) of money, securities or other property in any exchange or purchase ... Loss which arises directly or indirectly out of war ... Loss, damage cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any act of terrorism","sources":[{"clause":"3.1","heading":"Consequential loss","page":5,"url":"https://indiainsurances.com/policy/generali-central-insurance/commercial-crime-insurance-irdan132cplb0002v01201617/document/6096#c-3-1"},{"clause":"3.2","heading":"Credit risks","page":5,"url":"https://indiainsurances.com/policy/generali-central-insurance/commercial-crime-insurance-irdan132cplb0002v01201617/document/6096#c-3-2"},{"clause":"3.3","heading":"Directors/partners","page":5,"url":"https://indiainsurances.com/policy/generali-central-insurance/commercial-crime-insurance-irdan132cplb0002v01201617/document/6096#c-3-3"},{"clause":"3.5","heading":"Fees, costs and expenses","page":5,"url":"https://indiainsurances.com/policy/generali-central-insurance/commercial-crime-insurance-irdan132cplb0002v01201617/document/6096#c-3-5"},{"clause":"3.6","heading":"Fines, penalties or damages","page":5,"url":"https://indiainsurances.com/policy/generali-central-insurance/commercial-crime-insurance-irdan132cplb0002v01201617/document/6096#c-3-6"},{"clause":"3.7","heading":"Fire","page":5,"url":"https://indiainsurances.com/policy/generali-central-insurance/commercial-crime-insurance-irdan132cplb0002v01201617/document/6096#c-3-7"},{"clause":"3.9","heading":"Major shareholder","page":6,"url":"https://indiainsurances.com/policy/generali-central-insurance/commercial-crime-insurance-irdan132cplb0002v01201617/document/6096#c-3-9"},{"clause":"3.12","heading":"Prior or subsequent discovery of loss","page":6,"url":"https://indiainsurances.com/policy/generali-central-insurance/commercial-crime-insurance-irdan132cplb0002v01201617/document/6096#c-3-12"},{"clause":"3.13","heading":"Profit, loss or inventory computation","page":6,"url":"https://indiainsurances.com/policy/generali-central-insurance/commercial-crime-insurance-irdan132cplb0002v01201617/document/6096#c-3-13"},{"clause":"3.14","heading":"Proprietary information, trade secrets and intellectual property","page":6,"url":"https://indiainsurances.com/policy/generali-central-insurance/commercial-crime-insurance-irdan132cplb0002v01201617/document/6096#c-3-14"},{"clause":"3.15","heading":"Radioactivity and nuclear","page":7,"url":"https://indiainsurances.com/policy/generali-central-insurance/commercial-crime-insurance-irdan132cplb0002v01201617/document/6096#c-3-15"},{"clause":"3.16","heading":"Violent crime by any individual or organisation","page":7,"url":"https://indiainsurances.com/policy/generali-central-insurance/commercial-crime-insurance-irdan132cplb0002v01201617/document/6096#c-3-16"},{"clause":"3.17","heading":"Voluntary exchange or purchase","page":7,"url":"https://indiainsurances.com/policy/generali-central-insurance/commercial-crime-insurance-irdan132cplb0002v01201617/document/6096#c-3-17"},{"clause":"3.18","heading":"War","page":7,"url":"https://indiainsurances.com/policy/generali-central-insurance/commercial-crime-insurance-irdan132cplb0002v01201617/document/6096#c-3-18"},{"clause":"3.19","heading":"Terrorism Damage Exclusion","page":7,"url":"https://indiainsurances.com/policy/generali-central-insurance/commercial-crime-insurance-irdan132cplb0002v01201617/document/6096#c-3-19"}],"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 numbers, email, courier to the Grievance Redressal Cell, or branches. If not satisfied, contact the grievance officer at GCIGRO@generalicentral.com or 7900197777 before approaching the Insurance Ombudsman.","display":"Company website/toll-free/email/courier/branches first; then grievance officer at GCIGRO@generalicentral.com or 7900197777; then Insurance Ombudsman.","note":null,"quote":"In case of any grievance the insured person may contact the company through Website: https://generalicentralinsurance.com Toll Free: 1800-220-233 / 1860-500-3333 / 022- 67837800 Email: gcicare@generalicentral.com Courier: Grievance Redressal Cell, Generali Central Insurance Company Limited Unit No. 301, 3rd Floor Part, Building No. 8, Mindspace IT/ITES SEZ, MIDC Industrial Area, Airavali, Navi Mumbai, Thane District – 400 708. Insured person may also approach the grievance cell at any of the company's branches with the details of grievance. ... lf lnsured person is not satisfied with the redressal of grievance through one of the above methods, insured person may contact the grievance officer at GCIGRO@generalicentral.com or call at: 7900197777 ... lf lnsured person is not satisfied with the redressal of grievance through above methods, the insured person may also approach the office of lnsurance Ombudsman of the respective area/region for redressal of grievance as per lnsurance Ombudsman Rules 2017.","sources":[{"clause":null,"heading":"REDRESSAL OF GRIEVANCE","page":17,"url":"https://indiainsurances.com/policy/generali-central-insurance/commercial-crime-insurance-irdan132cplb0002v01201617/document/6096#c-redressal-of-grievance"}],"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":["fraud or dishonesty committed by any employee","a fraudulent act committed by any other person","loss of money, securities belonging to any other individual or organisation, but which is in the care custody or control of the insured","the physical loss of or damage to or actual destruction or disappearance of money or securities","theft of money or securities by any other person"],"display":"Employee fraud or dishonesty, fraudulent acts by other persons, care-custody-control money or securities, physical loss/damage/destruction/disappearance of money or securities, and theft of money or securities by any other person.","note":"The wording also has Optional Extensions which apply unless shown as Not Included in Item 6 of the Schedule.","quote":"The insurer shall indemnify the insured for their loss sustained at any time resulting from either: (A) fraud or dishonesty committed by any employee (acting alone or in collusion with others); or (B) a fraudulent act committed by any other person; ... Cover is extended to include loss of money, securities belonging to any other individual or organisation, but which is in the care custody or control of the insured and for which the insured is liable. ... i) the physical loss of or damage to or actual destruction or disappearance of money or securities ... ii) theft of money or securities by any other person","sources":[{"clause":"1","heading":"Insurance Cover","page":1,"url":"https://indiainsurances.com/policy/generali-central-insurance/commercial-crime-insurance-irdan132cplb0002v01201617/document/6096#c-1"},{"clause":"4.1","heading":"Care custody and control","page":8,"url":"https://indiainsurances.com/policy/generali-central-insurance/commercial-crime-insurance-irdan132cplb0002v01201617/document/6096#c-4-1"},{"clause":"4.3(i)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/generali-central-insurance/commercial-crime-insurance-irdan132cplb0002v01201617/document/6096#c-4-3-i"},{"clause":"4.3(ii)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/generali-central-insurance/commercial-crime-insurance-irdan132cplb0002v01201617/document/6096#c-4-3-ii"}],"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 refers to the Retention specified in Item 4 of the Schedule, but the Schedule with the amount is not provided.","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 may cancel by giving thirty days’ notice. The Company retains premium at the short-period scale if there is no claim; if there is any claim, no refund is allowed.","display":"Insured cancellation on thirty days’ notice: Company retains 10% up to 7 days, 25% up to 30 days, 35% up to 60 days, 50% up to 90 days, 60% up to 120 days, 75% up to 180 days, 85% up to 240 days, and 100% exceeding 240 days; no refund if any claim.","note":null,"quote":"The Policy may also be cancelled by the Insured by giving thirty days’ notice in writing to the Company, in which event the Company will retain premium at short-period scale as per the following table provided there is no claim under the Policy during the period of Insurance. In case of any claim under the Policy no refund of premium shall be allowed. ... Period of Risk (days up to) | Amount of premium to be retained by the Company\n7 | 10%\n30 | 25%\n60 | 35%\n90 | 50%\n120 | 60%\n180 | 75%\n240 | 85%\nExceeding 240 | 100%","sources":[{"clause":"6.19","heading":"Cancellation","page":15,"url":"https://indiainsurances.com/policy/generali-central-insurance/commercial-crime-insurance-irdan132cplb0002v01201617/document/6096#c-6-19"},{"clause":null,"heading":"Table of Short Period Rates","page":16,"url":"https://indiainsurances.com/policy/generali-central-insurance/commercial-crime-insurance-irdan132cplb0002v01201617/document/6096#c-table-of-short-period-rates"}],"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 wording says coverage extends only to the Territory listed in the Schedule, but the Schedule is not provided.","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 the insured’s loss resulting from employee fraud or dishonesty, or from a fraudulent act committed by any other person, where it is first discovered during the policy period or discovery period.","display":"Loss from employee fraud or dishonesty, or a fraudulent act by any other person, first discovered during the policy period or discovery period.","note":null,"quote":"The insurer shall indemnify the insured for their loss sustained at any time resulting from either: (A) fraud or dishonesty committed by any employee (acting alone or in collusion with others); or (B) a fraudulent act committed by any other person; which is committed with the principal intent to cause the insured to sustain such loss and is first discovered by the insured during the policy period or the discovery period.","sources":[{"clause":"1","heading":"Insurance Cover","page":1,"url":"https://indiainsurances.com/policy/generali-central-insurance/commercial-crime-insurance-irdan132cplb0002v01201617/document/6096#c-1"}],"law":[]}],"documents":[{"kind":"wording","label":"Commercial Crime Insurance Policy Wordings","pages":19,"fetched_at":"2026-10-17 19:45:41+00","source_url":"https://www.generalicentralinsurance.com/downloads/commercial-insurance/commercial-crime-insurance/policy-wording/commercial-crime-insurance-policy-wordings.pdf","url":"https://indiainsurances.com/policy/generali-central-insurance/commercial-crime-insurance-irdan132cplb0002v01201617/document/6096"},{"kind":"wording","label":"Commercial Crime Insurance (IRDAI copy)","pages":8,"fetched_at":"2026-10-20 00:38:10+00","source_url":"https://irdai.gov.in/documents/37343/993134/37_GEN1081.pdf/2cb61956-1fa0-de09-9556-e9281eb1412c?version=1.1&t=1668751629296&download=true","url":"https://indiainsurances.com/policy/generali-central-insurance/commercial-crime-insurance-irdan132cplb0002v01201617/document/24120"}],"versions":[{"uin":"IRDAN132P0002V01201617","version":null,"approved_on":null},{"uin":"IRDAN132CPLB0002V01201617","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Generali Central Insurance official website","url":"https://www.generalicentralinsurance.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":"Motor claim process","url":"https://www.generalicentralinsurance.com/motor-insurance/motor-claim-process","note":null},{"purpose":"claim","kind":"insurer","name":"Other claim process","url":"https://www.generalicentralinsurance.com/other-claim-process","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.generalicentralinsurance.com/customer-service/grievance-redressal","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. 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."},{"purpose":"renew","kind":"insurer","name":"Renewals","url":"https://www.generalicentralinsurance.com/renewals","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":"Commercial Crime Insurance (UIN IRDAN132CPLB0002V01201617), IndiaInsurances, https://indiainsurances.com/policy/generali-central-insurance/commercial-crime-insurance-irdan132cplb0002v01201617"}