{"uin":"IRDAN132RPMS0002V02200910","name":"Farmers Package Policy-Griha","url":"https://indiainsurances.com/policy/generali-central-insurance/farmers-package-policy-griha-irdan132rpms0002v02200910","insurer":{"slug":"generali-central-insurance","name":"Generali Central Insurance Company Limited","url":"https://indiainsurances.com/insurer/generali-central-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":"Farmer’s Package Policy-Griha is an indemnity package for individual farmers covering home building and contents, robbery and burglary, farm produce, pump sets, poultry, cart, tractors, pedal cycle, personal accident and baggage. The home building sum insured is based on cost of construction, general contents can be built in at 20% of the building sum insured up to ₹ 10 Lakh, and underinsurance does not apply to the GC Bharat Griha Raksha section.","analysis":{"state":"machine","analysed_at":"2026-10-20 03:48:49.335527+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":null,"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":"You can buy the policy for one year or more than one year, but the policy duration cannot exceed 10 years.","display":"One year or more than one year, not exceeding 10 years","note":"From the prospectus; the wording defines the policy period by the schedule.","quote":"You can buy the policy for one year or more than one year but the policy duration cannot exceed 10 years.","sources":[{"clause":null,"heading":"How long does this cover protect me?","page":8,"url":"https://indiainsurances.com/policy/generali-central-insurance/farmers-package-policy-griha-irdan132rpms0002v02200910/document/6083#c-how-long-does-this-cover-protect-me"}],"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":"For the package covers, written notice must be given immediately and within 14 days, or within 48 hours for Robbery and Burglary. For the GC Bharat Griha Raksha home section, notice must be given immediately and the claim form must be submitted within 30 days from first noticing the loss or damage.","display":"Immediately; within 14 days generally, 48 hours for Robbery and Burglary; home claim form within 30 days","note":null,"quote":"immediately and in any event within 14 days (48 hours in the case of a claim under Cover 2 [Robbery and Burglary]) give written notice of the same to the address shown in the Schedule for this purpose, and in case of notification of an event likely to give rise to a claim to specify the grounds for such belief; ... As soon as any physical loss or damage occurs to Your Home Building or Home Contents due to an Insured Event, You must immediately give notice to Us of the loss or damage. ... You must submit Your claim in Our claim form at the earliest opportunity, but within 30 days from the date You first notice the loss or damage.","sources":[{"clause":"2(a)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/generali-central-insurance/farmers-package-policy-griha-irdan132rpms0002v02200910/document/6154#c-2-a-7"},{"clause":null,"heading":"1. Immediate notice to Us","page":27,"url":"https://indiainsurances.com/policy/generali-central-insurance/farmers-package-policy-griha-irdan132rpms0002v02200910/document/6154#c-1-immediate-notice-to-us"},{"clause":"6(IV)(a)(i)","heading":null,"page":28,"url":"https://indiainsurances.com/policy/generali-central-insurance/farmers-package-policy-griha-irdan132rpms0002v02200910/document/6154#c-6-iv-a-i"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["completed claim form detailing the loss or damage","all documentation required to support and substantiate the amount sought","copy of that written complaint, the First Information Report and/or Final Report","the Policy Number","Your name","details of report to the police and any Authority","photographs of loss or physical damage","plans, specification books, vouchers, invoices pertaining to costs incurred","Death Certificate and Post Mortem report (wherever necessary)"],"display":"Claim form, supporting documents, police/FIR reports, policy and loss details, photographs, repair or replacement papers, and death/post-mortem papers for personal accident","note":null,"quote":"provide a copy of that written complaint, the First Information Report and/or Final Report to the Company; ... within 28 days deliver to the Company its completed claim form detailing the loss or damage that has occurred and an estimate of the quantum of any claim along with all documentation required to support and substantiate the amount sought from the Company; ... i) the Policy Number,\nii) Your name,\niii) details of report to the police that You made, iv. details of report to any Authority that\nYou made, v. details of the Insured Event, vi. | a brief statement of the loss,\nvii. particulars of any other insurance of Your Home Building or any of Your Home Contents, viii. details of loss or damage under any Optional Cover or Add-ons, ix. submit photographs of loss or physical damage, wherever possible. ... You must support Your claim for Home Building and/or Home Contents with plans, specification books, vouchers, invoices pertaining to costs incurred by You for reconstruction/replacement/repairs. ... For Optional Cover of Personal Accident, Death Certificate and Post Mortem report (wherever necessary) shall be submitted.","sources":[{"clause":"2(b)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/generali-central-insurance/farmers-package-policy-griha-irdan132rpms0002v02200910/document/6154#c-2-b-7"},{"clause":"2(c)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/generali-central-insurance/farmers-package-policy-griha-irdan132rpms0002v02200910/document/6154#c-2-c-7"},{"clause":null,"heading":"1. Immediate notice to Us","page":27,"url":"https://indiainsurances.com/policy/generali-central-insurance/farmers-package-policy-griha-irdan132rpms0002v02200910/document/6154#c-1-immediate-notice-to-us"},{"clause":null,"heading":"5. Establish loss","page":28,"url":"https://indiainsurances.com/policy/generali-central-insurance/farmers-package-policy-griha-irdan132rpms0002v02200910/document/6154#c-5-establish-loss"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The CIS states that the surveyor is appointed within 24 hours of intimation, the survey report is submitted within 15 days of appointment if documents are complete or within 15 days from the last document, and settlement is within 7 days of survey report or 22 days from submission of all documents required to assess a claim.","display":"Settlement within 7 days of survey report or 22 days from all documents","note":"From the Customer Information Sheet.","quote":"1. Appointment of Immediately, in any case within 24\nsurveyor, if | hours of the receipt of intimation from\napplicable. | the insured\n2. | Submission of survey report | within 15 days of appointment subject to all documents required to conclude assessment being submitted on the same day of intimation. If else, 15 days from the receipt of last document ... 3 | Settlement of claim | Within 7 days of receipt of survey report or 22 days from submission of all documents required to assess a claim.","sources":[{"clause":"2","heading":"Sample Claim Calculation (only applicable for Market value or RIV","page":11,"url":"https://indiainsurances.com/policy/generali-central-insurance/farmers-package-policy-griha-irdan132rpms0002v02200910/document/6071#c-2-2"}],"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":["Your deliberate, wilful or intentional act or ommission","War, invasion, act of foreign enemy hostilities or war-like operations","Ionising radiation or contamination by radioactivity","Pollution or contamination, unless the pollution or contamination itself has resulted from an Insured Event, or an Insured Event itself results from pollution or contamination","Loss, damage or destruction to any electrical/electronic machine, apparatus, fixture, or fitting by over-running, excessive pressure, short circuiting, arcing, self-heating or leakage of electricity","Loss or damage to bullion or unset precious stones, manuscripts, plans, drawings, securities, obligations or documents of any kind, coins or paper money, cheques, vehicles, and explosive substances","Loss of any Insured Property which is missing or has been mislaid","Loss or damage to any Insured Property removed from Your Home to any other place","Loss of earnings, loss by delay, loss of market or other consequential or indirect loss or damage","Any addition, extension, or alteration to any structure of Your Home Building that increases its Carpet Area by more than 10%","Costs, fees or expenses for preparing any claim","For Robbery and Burglary: Valuables except for those items, if any, specifically listed in the Schedule; Theft","For non-Section I covers: Earthquake, flood, storm, cyclone or other convulsions of nature or atmospheric disturbances"],"display":"Main exclusions include intentional acts, war, nuclear/radioactivity, pollution, electrical short-circuit damage to the machine itself, specified valuables/documents/money/vehicles/explosives, missing property, property removed from home, consequential loss, large undeclared additions, claim-preparation costs, and special Robbery/Burglary exclusions.","note":"The earthquake/flood/storm exclusion is from the General Exclusions that are not applicable to Section I.","quote":"1. Your deliberate, wilful or intentional act or ommission, or of anyone on Your behalf, or with Your connivance.\n2. War, invasion, act of foreign enemy hostilities or war-like operations (whether war is declared or\nnot), civil war, mutiny, civil commotion amounting to a popular rising, military rising, rebellion, revolution, insurrection or military or usurped power.\n3. Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from combustion of nuclear fuel, or the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component that is part of it.\n4. Pollution or contamination, unless ... 5. 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 (lightning included). This exclusion applies only to the particular machine so lost, damaged or destroyed.\n6. Loss or damage to bullion or unset precious stones, manuscripts, plans, drawings, securities, obligations or documents of any kind, coins or paper money, cheques, vehicles, and explosive substances unless otherwise expressly stated in the policy.\n7. Loss of any Insured Property which is missing or has been mislaid, or its disappearance cannot be linked to any single identifiable event.\n8. Loss or damage to any Insured Property removed from Your Home to any other place.\n9. Loss of earnings, loss by delay, loss of market or other consequential or indirect loss or damage of any kind or description whatsoever.\n10. Any reduction in market value of any Insured Property after its repair or reinstatement.\n11. Any addition, extension, or alteration to any structure of Your Home Building that increases its Carpet Area by more than 10% of the Carpet Area existing at the Commencement Date or on the date of renewal of this Policy, unless You have paid additional premium and such addition, extension or alteration is added by Endorsement.\n12. Costs, fees or expenses for preparing any claim. ... i) for Valuables except for those items, if any, specifically listed in the Schedule; ii) for Cattle Livestock, Motor, and Pedal Cycle.\niii) 5% of SI Minimum Rs 500/- Maximum Rs 10,000/-for each claim. iv) Where immediately Loss or Damage is not registered with Police. ii) Theft. ... Earthquake, flood, storm, cyclone or other convulsions of nature or atmospheric disturbances.","sources":[{"clause":null,"heading":"Exclusions (What We do not cover) for all covers under this policy","page":24,"url":"https://indiainsurances.com/policy/generali-central-insurance/farmers-package-policy-griha-irdan132rpms0002v02200910/document/6154#c-exclusions-what-we-do-not-cover-for-all-covers-u"},{"clause":"6(b)(i)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/generali-central-insurance/farmers-package-policy-griha-irdan132rpms0002v02200910/document/6154#c-6-b-i"},{"clause":"3(i)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/generali-central-insurance/farmers-package-policy-griha-irdan132rpms0002v02200910/document/6154#c-3-i"},{"clause":"2(c)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/generali-central-insurance/farmers-package-policy-griha-irdan132rpms0002v02200910/document/6154#c-2-c-5"}],"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 complain to the insurer through its grievance channels or directly to the Grievance Redressal Officer/Cell at the head office. If unresolved within 15 days or if unhappy with the resolution, the policy says the insured can approach IRDAI, and then the Insurance Ombudsman depending on the grievance.","display":"First contact the insurer's Grievance Redressal Officer/Cell; email gcigro@generalicentral.com or call 7900197777","note":null,"quote":"If You have a grievance about any matter relating to the Policy, or Our decision on any matter, or the claim, You can address Your grievance as follows: ... You can send Your grievance in writing by post or email to Our Grievance Redressal Officer at the following address:\nYou can directly contact our Grievance Redressal Officer at our Head office. ... You can email to : gcigro@generalicentral.com or call at: 7900197777 ... In case it is not resolved within 15 days or if You are unhappy with the resolution You can approach the Grievance Redressal Cell of the Consumer Affairs Department of IRDAI","sources":[{"clause":null,"heading":"Clause K. Grievances","page":29,"url":"https://indiainsurances.com/policy/generali-central-insurance/farmers-package-policy-griha-irdan132rpms0002v02200910/document/6154#c-clause-k-grievances"},{"clause":null,"heading":"1. Our Grievance Redressal Officer","page":30,"url":"https://indiainsurances.com/policy/generali-central-insurance/farmers-package-policy-griha-irdan132rpms0002v02200910/document/6154#c-1-our-grievance-redressal-officer"},{"clause":null,"heading":"You can email to : gcigro@generalicentral.com or call at: 7900197777","page":30,"url":"https://indiainsurances.com/policy/generali-central-insurance/farmers-package-policy-griha-irdan132rpms0002v02200910/document/6154#c-you-can-email-to-gcigro-generalicentral-com-or-c"},{"clause":"8(a)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/generali-central-insurance/farmers-package-policy-griha-irdan132rpms0002v02200910/document/6154#c-8-a-4"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["Fire","Explosion or Implosion","Lightning","Earthquake, volcanic eruption, or other convulsions of nature","Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Tsunami, Flood and Inundation","Subsidence of the land on which Your Home Building stands, Landslide, Rockslide","Bush fire, Forest Fire, Jungle Fire","Impact damage of any kind","Missile testing operations","Riot, Strikes, Malicious Damages","Acts of terrorism","Bursting or overflowing of water tanks, apparatus and pipes","Leakage from automatic sprinkler installations","Theft within 7 days from the occurrence of and proximately caused by any of the above Insured Events","actual or attempted Robbery or Burglary","disease or Accidental death","Accidental loss or destruction of, or damage to personal baggage"],"display":"Home insured events include fire, explosion/implosion, lightning, earthquake and other convulsions, storm/cyclone/flood, subsidence/landslide, bush/forest/jungle fire, impact, missile testing, riot/strike/malicious damage, terrorism, water tank bursting, sprinkler leakage and theft within 7 days; other package risks include robbery/burglary, poultry disease or accidental death, and baggage accidental loss/damage.","note":"This list combines the home insured events in Annexure I with selected additional package-section risks.","quote":"1 | Fire | caused by burning of Insured Property by order of any Public Authority. ... 2 | Explosion or Implosion | - ... 3 | Lightning | - ... 4 | Earthquake, volcanic eruption, or other convulsions of nature | -\n5 | Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Tsunami, Flood and Inundation | -\n6 | Subsidence of the land on which Your Home Building stands, Landslide, Rockslide | caused by a. normal cracking, settlement or bedding down of new structures, b. the settlement or movement of made up ground, c. coastal or river erosion, d. defective design or workmanship or use of defective materials, or demolition, construction, structural alterations or repair of any property, or groundworks or excavations.\n7 | Bush fire, Forest Fire, Jungle Fire | -\n8 | Impact damage of any kind, i.e., damage caused by impact of, or collision caused by any external physical object (e.g. vehicle, falling trees, aircraft, wall etc.) | caused by pressure waves caused by aircraft or other aerial or space devices travelling at sonic or supersonic speeds.\n9 | Missile testing operations | -\n10 | Riot, Strikes, Malicious Damages | caused by a. temporary or permanent dispossession, confiscation, commandeering, requisition or destruction by order of the government or any lawful authority, or temporary or permanent dispossession of Your Home by unlawful occupation by any person.\n11 | Acts of terrorism (Coverage as per Terrorism Clause attached) | Exclusions and Excess as per Terrorism Clause attached.\n12 | Bursting or overflowing of water tanks, apparatus and pipes, | -\n12 | Leakage from automatic sprinkler installations. | a. repairs or alterations in Your Home or the building in which Your Home is located, b. repairs, removal or extension of any sprinkler installation, or defects in the construction known to You.\n14 | Theft within 7 days from the occurrence of and proximately caused by any of the above Insured Events. ... loss or damage to the Building caused by actual or attempted Robbery or Burglary ... Cover is provided for the death of the Insured’s poultry on the Farm (in excess of the Mortality Rates shown in the Proposal Form) by disease or Accidental death ... This section provides coverage for Insured and/or his Family against the Accidental loss or destruction of, or damage to personal baggage","sources":[{"clause":"Row 1","heading":"Fire","page":20,"url":"https://indiainsurances.com/policy/generali-central-insurance/farmers-package-policy-griha-irdan132rpms0002v02200910/document/6154#c-row-1"},{"clause":"Row 2","heading":"Explosion or Implosion","page":21,"url":"https://indiainsurances.com/policy/generali-central-insurance/farmers-package-policy-griha-irdan132rpms0002v02200910/document/6154#c-row-2"},{"clause":"Row 3","heading":"Lightning","page":21,"url":"https://indiainsurances.com/policy/generali-central-insurance/farmers-package-policy-griha-irdan132rpms0002v02200910/document/6154#c-row-3"},{"clause":"Row 4","heading":"Earthquake, volcanic eruption, or other convulsions of nature","page":21,"url":"https://indiainsurances.com/policy/generali-central-insurance/farmers-package-policy-griha-irdan132rpms0002v02200910/document/6154#c-row-4"},{"clause":"1","heading":"This section provides coverage for","page":1,"url":"https://indiainsurances.com/policy/generali-central-insurance/farmers-package-policy-griha-irdan132rpms0002v02200910/document/6154#c-1-2"},{"clause":"1","heading":null,"page":3,"url":"https://indiainsurances.com/policy/generali-central-insurance/farmers-package-policy-griha-irdan132rpms0002v02200910/document/6154#c-1-5"},{"clause":"1","heading":null,"page":9,"url":"https://indiainsurances.com/policy/generali-central-insurance/farmers-package-policy-griha-irdan132rpms0002v02200910/document/6154#c-1-10"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"quote-verified","value":"The general deductible amount is the amount stated in the Schedule and applies to each claim, so the actual general amount is not printed in the wording. The Robbery and Burglary section states 5% of SI, minimum Rs 500 and maximum Rs 10,000 for each claim.","display":"General deductible as stated in the Schedule; Robbery and Burglary: 5% of SI, minimum Rs 500, maximum Rs 10,000 per claim","note":"The wording does not print the general Schedule deductible amount.","quote":"‘Deductible’ means the amount stated in the Schedule, which shall be borne by the Insured in respect of each and every claim made under this Policy. ... The Company’s liability to make any payment under the Policy is in excess of the Deductible. ... 5% of SI Minimum Rs 500/- Maximum Rs 10,000/-for each claim.","sources":[{"clause":null,"heading":"B Definitions (not applicable to Section I)","page":10,"url":"https://indiainsurances.com/policy/generali-central-insurance/farmers-package-policy-griha-irdan132rpms0002v02200910/document/6154#c-b-definitions-not-applicable-to-section-i"},{"clause":"2(i)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/generali-central-insurance/farmers-package-policy-griha-irdan132rpms0002v02200910/document/6154#c-2-i-3"},{"clause":"3(i)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/generali-central-insurance/farmers-package-policy-griha-irdan132rpms0002v02200910/document/6154#c-3-i"}],"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":"For package covers outside Section I, if no claim has been made, the policy refunds proportionate premium for the unexpired period whether the policy period is up to one year or more than one year. For the GC Bharat Griha Raksha home section, annual policies follow a short-period refund scale from 90% for not exceeding 15 days to no refund after 9 months.","display":"No-claim cancellation: proportionate refund for non-Section I package covers; home annual policies use short-period scale","note":"The proportionate-refund clause is in the general conditions not applicable to Section I; the short-period scale is in the GC Bharat Griha Raksha annexure for annual policies.","quote":"The Insured can cancel the insurance cover at any time during the Policy Period by serving written notice to the Company, with or without citing the cause/reason.\nRefund of premium will apply in the following manner:\n1. If the Policy Period is upto one (1) year and no claim has been made till the date of cancellation request, Proportionate premium will be refunded for the unexpired period.\n2. If the Policy Period is more than one (1) year and no claim has been made till the date of cancellation request, Proportionate premium will be refunded for the unexpired period. ... If You cancel the policy, We will refund premium as follows: For Annual Policies Short Period Scale:\nTime for which Policy in force | Refund of premium\nFor a period not exceeding 15 days | 90 % of Annual premium\nFor a period not exceeding 1 month | 85% of Annual premium\nFor a period not exceeding 2 months | 70% of Annual premium\nFor a period not exceeding 3 months | 60% of Annual premium\nFor a period not exceeding 4 months | 50% of Annual premium\nFor a period not exceeding 5 months | 40% of Annual premium\nFor a period not exceeding 6 months | 30% of Annual premium\nFor a period not exceeding 7 months | 25% of Annual premium\nFor a period not exceeding 8 months | 20% of Annual premium\nFor a period not exceeding 9 months | 15% of Annual premium\nFor a period exceeding 9 months | No refund","sources":[{"clause":"2(d)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/generali-central-insurance/farmers-package-policy-griha-irdan132rpms0002v02200910/document/6154#c-2-d-6"},{"clause":"6(III)(b)","heading":"If You cancel the policy, We will refund premium as follows","page":26,"url":"https://indiainsurances.com/policy/generali-central-insurance/farmers-package-policy-griha-irdan132rpms0002v02200910/document/6154#c-6-iii-b"}],"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":"conflicting","value":"The policy wording covers insured events within India, except for Cover 9 Personal Accident and Cover 10 Baggage, and all payments are within India and in Indian Rupees. The baggage cover wording itself states travel anywhere in India beyond 25 km radius of the insured premises.","display":"Within India; payments in India and in Indian Rupees; baggage wording says anywhere in India beyond 25 km","note":"Prospectus says baggage is covered “while you are travelling anywhere in India or outside”; the policy wording restricts the baggage clause to India beyond 25 Km.","quote":"This Policy covers insured events arising during the Policy Period within India save in respect of Cover 9 (Personal Accident) and Cover 10 (Baggage). The Company’s liability to make any payment under any Cover shall be to make payment within India and in Indian Rupees only. ... whilst travelling anywhere in India beyond 25 Km radius of the insured premises. ... while you are travelling anywhere in India or outside.","sources":[{"clause":"2(b)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/generali-central-insurance/farmers-package-policy-griha-irdan132rpms0002v02200910/document/6154#c-2-b-10"},{"clause":"1","heading":null,"page":9,"url":"https://indiainsurances.com/policy/generali-central-insurance/farmers-package-policy-griha-irdan132rpms0002v02200910/document/6154#c-1-10"},{"clause":"10","heading":"Section 10- Baggage","page":2,"url":"https://indiainsurances.com/policy/generali-central-insurance/farmers-package-policy-griha-irdan132rpms0002v02200910/document/6083#c-10"}],"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":"Farmers Package Policy-Griha Policy Wordings","pages":34,"fetched_at":"2026-10-17 19:46:43+00","source_url":"https://www.generalicentralinsurance.com/downloads/rural-insurance/farmers-package-policy-griha/policy-wording/farmers-package-policy-griha-retail-policy-wordings.pdf","url":"https://indiainsurances.com/policy/generali-central-insurance/farmers-package-policy-griha-irdan132rpms0002v02200910/document/6154"},{"kind":"prospectus","label":"Farmers Package Policy-Griha Prospectus Form","pages":14,"fetched_at":"2026-10-17 19:45:24+00","source_url":"https://www.generalicentralinsurance.com/downloads/rural-insurance/farmers-package-policy-griha/prospectus-forms/farmers-package-policy-griha-retail-prospectus.pdf","url":"https://indiainsurances.com/policy/generali-central-insurance/farmers-package-policy-griha-irdan132rpms0002v02200910/document/6083"},{"kind":"cis","label":"Farmers Package Policy-Griha Customer Information Sheet","pages":12,"fetched_at":"2026-10-17 19:44:59+00","source_url":"https://www.generalicentralinsurance.com/downloads/rural-insurance/farmers-package-policy-griha/customer-information-sheet/farmers-package-policy-griha-retail-cis.pdf","url":"https://indiainsurances.com/policy/generali-central-insurance/farmers-package-policy-griha-irdan132rpms0002v02200910/document/6071"}],"versions":[],"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":"Farmers Package Policy-Griha (UIN IRDAN132RPMS0002V02200910), IndiaInsurances, https://indiainsurances.com/policy/generali-central-insurance/farmers-package-policy-griha-irdan132rpms0002v02200910"}