{"uin":"IRDAN132RPMS0010V01201112","name":"Golfers Insurance","url":"https://indiainsurances.com/policy/generali-central-insurance/golfers-insurance-irdan132rpms0010v01201112","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":null,"withdrawn_on":null,"summary":"Golfers Insurance covers golf equipment damage and theft, public liability, personal accident for the insured and caddy, hospitalization, dental, third-party property damage, hole-in-one expenses and subscription or prepaid fees. Insured events are generally covered within India except the personal accident section, with some cover clauses stating anywhere in the world.","analysis":{"state":"machine","analysed_at":"2026-10-20 03:47:01.112659+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"The documents list covers/sections but do not state named plan variants.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The wording defines Policy Period by reference to the Schedule, but the supplied documents do not print a fixed policy term.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"The insured must give written notice immediately and in any event within 14 days of an event giving rise to or likely to give rise to a claim. For accidental damage to third party property under Section 8, the incident must be reported to the golf club secretary or driving range official within 7 days of occurrence.","display":"Immediately and in any event within 14 days; Section 8 incident report within 7 days","note":"The 7-day reporting requirement is specific to Section 8 accidental damage to third party property.","quote":"upon the happening of any event giving rise to or likely to give rise to a claim under this Policy:\n- the Insured shall immediately and in any event within 14 days give written notice of the same to the address shown in the Schedule for this purpose ... provided that the incident is reported to the recognized golf club secretary or driving range official by The Insured within 7 (seven) days of the occurrence.","sources":[{"clause":null,"heading":"Duties and Obligations after Occurrence of an Insured Event","page":6,"url":"https://indiainsurances.com/policy/generali-central-insurance/golfers-insurance-irdan132rpms0010v01201112/document/5989#c-duties-and-obligations-after-occurrence-of-an-in"},{"clause":"Section 7(xi)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/generali-central-insurance/golfers-insurance-irdan132rpms0010v01201112/document/5989#c-section-7-xi"}],"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 and an estimate of the quantum of any claim","all documentation required to support and substantiate the amount sought from the Company","copy of written police complaint, First Information Report and/or Final Report for Cover 2 and other claims advised by the Company","all the information, assistance, records and documentation that the Company might reasonably require","for Hole in One: written confirmation from the secretary, original score card and original bills of expenditure for the celebration"],"display":"Claim form, supporting documents, police complaint/FIR/final report where required, further records requested by the Company, and Hole in One confirmation, score card and bills","note":null,"quote":"the Insured shall 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 ... in respect of Cover 2, and any other claim under any other Cover as advised by the Company, immediately lodge a complaint with the police detailing the items lost and/or damaged and in respect of which the Insured intends to claim, and provide a copy of that written complaint, the First Information Report and/or Final Report to the Company ... the Insured shall expeditiously provide the Company and its representatives and appointees with all the information, assistance, records and documentation that they might reasonably require ... written confirmation from the secretary of the recognized golf club or course stating that the hole inone has been performed to the satisfaction of the recognized golf club or course, together with the insured's original score card fully completed and duly signed by the playing partner and the golf club or course secretary along with the original bills of expenditure for the celebration.","sources":[{"clause":null,"heading":"Duties and Obligations after Occurrence of an Insured Event","page":6,"url":"https://indiainsurances.com/policy/generali-central-insurance/golfers-insurance-irdan132rpms0010v01201112/document/5989#c-duties-and-obligations-after-occurrence-of-an-in"},{"clause":"Section 7(xi)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/generali-central-insurance/golfers-insurance-irdan132rpms0010v01201112/document/5989#c-section-7-xi"}],"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":"Settlement of claim is within 7 days of receipt of the survey report or 22 days from submission of all documents required to assess a claim.","display":"Within 7 days of survey report or 22 days from submission of all documents","note":"Stated in the Customer Information Sheet.","quote":"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":null,"heading":"Calculation of Under Insurance -","page":7,"url":"https://indiainsurances.com/policy/generali-central-insurance/golfers-insurance-irdan132rpms0010v01201112/document/5988#c-calculation-of-under-insurance-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":["Theft or attempted theft of The Insured equipment","Loss or damage caused by moth, vermin, atmospheric or climatic conditions, mechanical or electrical failure, any process of cleaning restoring or alteration","Theft or attempted theft of the Insured equipment left unattended in the open other than within the confines of any recognized golf course or driving range","Loss or destruction or damage to property belonging to or in the care custody or control of The Insured","Bodily injury to The Insured or any person under a contract of service or apprenticeship with The Insured","Intentional self injury (including but not limited to the use or misuse of any intoxicating drugs or alcohol]","Accident while under the influence of alcohol or drugs","Participation in an actual or attempted felony, riot, crime, misdemeanor or civil commotion","Pregnancy and childbirth, miscarriage, abortion or complications arising out of any of these","Any medical expenses, services, supplies or treatment or hospital stay which were not recommended or approved as medically necessary by a Physician","Expenses incurred for emergency medical evacuation","War, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection military or usurped power of civil commotion or loot or pillage in connection herewith","Loss or damage caused by depreciation or wear and tear","Consequential loss of any kind or description","Any loss or damage or cost or expense of whatsoever nature directly or indirectly caused or occasioned by or happening through or in consequence of terrorism"],"display":"Theft under damage cover, moth/vermin/climatic/mechanical/electrical damage, unattended equipment theft, insured’s own property, insured/employee bodily injury, self injury, alcohol or drugs, felony/riot/crime, pregnancy, non-medically necessary expenses, emergency evacuation, war, wear and tear, consequential loss and terrorism","note":null,"quote":"Theft or attempted theft of The Insured equipment. ... Loss or damage caused by moth, vermin, atmospheric or climatic conditions, mechanical or\nelectrical failure, any process of cleaning restoring or alteration. ... Theft or attempted theft of the Insured equipment left unattended in the open other than within the confines of any recognized golf course or driving range. ... Loss or destruction or damage to property belonging to or in the care custody or control of The Insured. ... Bodily injury to The Insured or any person under a contract of service or apprenticeship with The Insured and arising out of and in the course of his employment by The Insured other than a person who is temporarily employed as a caddy to The Insured. ... i) Intentional self injury (including but not limited to the use or misuse of any intoxicating drugs or alcohol] ... ii) Accident while under the influence of alcohol or drugs. ... iii) Participation in an actual or attempted felony, riot, crime, misdemeanor or civil commotion ... vi) Pregnancy and childbirth, miscarriage, abortion or complications arising out of any of these ... ix) Any medical expenses, services, supplies or treatment or hospital stay which were not recommended or approved as medically necessary by a Physician. ... xi) Expenses incurred for emergency medical evacuation ... i) War, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection military or usurped power of civil commotion or loot or pillage in connection herewith.\nii) Loss or damage caused by depreciation or wear and tear.\niii) Consequential loss of any kind or description. ... e) Any loss or damage or cost or expense of whatsoever nature directly or indirectly caused or occasioned by or happening through or in consequence of terrorism or any action taken in controlling, preventing or suppressing any acts of terrorism or in any way relating thereto.","sources":[{"clause":"2","heading":null,"page":1,"url":"https://indiainsurances.com/policy/generali-central-insurance/golfers-insurance-irdan132rpms0010v01201112/document/5989#c-2"},{"clause":"3","heading":"Loss or damage caused by moth, vermin, atmospheric or climatic conditions, mechanical or","page":1,"url":"https://indiainsurances.com/policy/generali-central-insurance/golfers-insurance-irdan132rpms0010v01201112/document/5989#c-3"},{"clause":"2","heading":null,"page":1,"url":"https://indiainsurances.com/policy/generali-central-insurance/golfers-insurance-irdan132rpms0010v01201112/document/5989#c-2-2"},{"clause":"1","heading":null,"page":2,"url":"https://indiainsurances.com/policy/generali-central-insurance/golfers-insurance-irdan132rpms0010v01201112/document/5989#c-1-3"},{"clause":"2","heading":null,"page":2,"url":"https://indiainsurances.com/policy/generali-central-insurance/golfers-insurance-irdan132rpms0010v01201112/document/5989#c-2-3"},{"clause":"Section 7(i)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/generali-central-insurance/golfers-insurance-irdan132rpms0010v01201112/document/5989#c-section-7-i"},{"clause":"Section 7(ii)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/generali-central-insurance/golfers-insurance-irdan132rpms0010v01201112/document/5989#c-section-7-ii"},{"clause":"Section 7(iii)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/generali-central-insurance/golfers-insurance-irdan132rpms0010v01201112/document/5989#c-section-7-iii"},{"clause":"Section 7(vi)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/generali-central-insurance/golfers-insurance-irdan132rpms0010v01201112/document/5989#c-section-7-vi"},{"clause":"Section 7(ix)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/generali-central-insurance/golfers-insurance-irdan132rpms0010v01201112/document/5989#c-section-7-ix"},{"clause":"Section 7(xi)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/generali-central-insurance/golfers-insurance-irdan132rpms0010v01201112/document/5989#c-section-7-xi"},{"clause":null,"heading":"EXCLUSIONS APPLICABLE TO ALL SECTIONS","page":6,"url":"https://indiainsurances.com/policy/generali-central-insurance/golfers-insurance-irdan132rpms0010v01201112/document/5989#c-exclusions-applicable-to-all-sections"}],"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 or a branch grievance cell. 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/branch first; then grievance officer; 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","sources":[{"clause":null,"heading":"Redressal of Grievance","page":8,"url":"https://indiainsurances.com/policy/generali-central-insurance/golfers-insurance-irdan132rpms0010v01201112/document/5989#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":["damage to the Insured Golfing equipment","loss or damage to the insured equipment arising from theft or attempted theft other than from a motor vehicle","legal liability to pay Damages for third party civil Claims arising out of Bodily Injury or Property Damage","Accidental Bodily Injury sustained by the Insured whilst playing or practicing golf","Accidental Bodily Injury sustained by the Insured's Caddy","hospitalized on the advice of a Medical Practitioner because of accidental Bodily Injury","emergency dental pain relief while struck by a golf ball","accidental damage to third party property struck by a golf ball","completion by the insured of any hole in one stroke gross","subscriptions or fees pre-paid to any one of the lnsured's golf club"],"display":"Golf equipment damage/theft, public liability, personal accident for insured and caddy, hospitalization, dental, third-party property damage, hole in one, and subscription/prepaid fees","note":"Cover applies subject to the limits, territorial language and conditions in each section.","quote":"The company will provide insurance to The Insured against damage to the Insured Golfing equipment ... The Company will provide insurance against loss or damage to the insured equipment arising from theft or attempted theft other than from a motor vehicle ... The Company will indemnify the Insured in excess of the Insured's Deductible and subject to the Limit of Indemnity, against its legal liability (including Defence Costs) to pay Damages for third party civil Claims arising out of Bodily Injury or Property Damage ... Following an Accidental Bodily Injury sustained by the Insured whilst playing or practicing golf on any recognized golf course anywhere in the world during the Policy Period ... Following an Accidental Bodily Injury sustained by the Insured's Caddy on any recognized golf course anywhere in the world during the Policy Period ... If Insured person(s) named in the schedule are hospitalized on the advice of a Medical Practitioner because of accidental Bodily Injury sustained during the Policy Period Period; whilst playing or practicing golf ... The Company will indemnify The Insured for each and every loss in respect of any emergency dental pain relief while struck by a golf ball ... The Company will indemnify The Insured for each and every loss in respect of accidental damage to third party property struck by a golf ball ... In the event of completion by the insured of any hole in one stroke gross ... The Company will reimburse The Insured for subscriptions or fees pre-paid to any one of the lnsured's golf club","sources":[{"clause":"Section 1","heading":"Damage to Golfing Equipment","page":1,"url":"https://indiainsurances.com/policy/generali-central-insurance/golfers-insurance-irdan132rpms0010v01201112/document/5989#c-section-1"},{"clause":"Section 2","heading":"Theft of Golfing Equipment","page":1,"url":"https://indiainsurances.com/policy/generali-central-insurance/golfers-insurance-irdan132rpms0010v01201112/document/5989#c-section-2"},{"clause":"Section 3","heading":"Public Liability","page":2,"url":"https://indiainsurances.com/policy/generali-central-insurance/golfers-insurance-irdan132rpms0010v01201112/document/5989#c-section-3"},{"clause":"Section 4","heading":"Personal Accident Cover for Insured","page":2,"url":"https://indiainsurances.com/policy/generali-central-insurance/golfers-insurance-irdan132rpms0010v01201112/document/5989#c-section-4"},{"clause":"Section 5","heading":"Personal Accident Cover for Caddy","page":2,"url":"https://indiainsurances.com/policy/generali-central-insurance/golfers-insurance-irdan132rpms0010v01201112/document/5989#c-section-5"},{"clause":"Section 6","heading":"· Hospitalization Cover","page":4,"url":"https://indiainsurances.com/policy/generali-central-insurance/golfers-insurance-irdan132rpms0010v01201112/document/5989#c-section-6"},{"clause":"Section 7","heading":"Dental Cover","page":4,"url":"https://indiainsurances.com/policy/generali-central-insurance/golfers-insurance-irdan132rpms0010v01201112/document/5989#c-section-7"},{"clause":"Section 7(xi)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/generali-central-insurance/golfers-insurance-irdan132rpms0010v01201112/document/5989#c-section-7-xi"},{"clause":"Section 10","heading":"Reimbursement of subscriptions and pre-paid fees","page":5,"url":"https://indiainsurances.com/policy/generali-central-insurance/golfers-insurance-irdan132rpms0010v01201112/document/5989#c-section-10"}],"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 actual deductible amount is not printed in the supplied documents; the wording defines it by reference to the Schedule. Section 2 also excludes the first 10% of certain losses, while Section 1 in the wording appears as '10a' and the prospectus/CIS show 10%.","quote":null,"sources":[],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The insured can cancel at any time during the Policy Period by written notice, with or without giving a reason. If no claim has been made till the cancellation request, proportionate premium is refunded for the unexpired period for policy periods up to one year and for more than one year.","display":"Cancel any time by written notice; if no claim, proportionate premium for unexpired period","note":null,"quote":"The Insured can cancel the insurance cover at any time during the Policy Period by serving a written notice to the Company, with or without citing the cause/reason. ... 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. ... If the Policy Period is more than one (1) year and no claim has been made till the date of\ncancellation request, the Proportionate premium will be refunded for the unexpired period.","sources":[{"clause":null,"heading":"Cancellation","page":7,"url":"https://indiainsurances.com/policy/generali-central-insurance/golfers-insurance-irdan132rpms0010v01201112/document/5989#c-cancellation"},{"clause":"1","heading":null,"page":7,"url":"https://indiainsurances.com/policy/generali-central-insurance/golfers-insurance-irdan132rpms0010v01201112/document/5989#c-1-4"},{"clause":"2","heading":"If the Policy Period is more than one (1) year and no claim has been made till the date of","page":7,"url":"https://indiainsurances.com/policy/generali-central-insurance/golfers-insurance-irdan132rpms0010v01201112/document/5989#c-2-5"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"The general territorial limit says insured events are covered within India except the Personal Accident section, and payment is within India in Indian Rupees only. Personal Accident for the insured and caddy is stated as anywhere in the world; the hospitalization clause also states anywhere in the world.","display":"Within India, except Personal Accident; PA for insured/caddy and hospitalization state anywhere in the world; payment in India in Indian Rupees","note":"The hospitalization section says anywhere in the world even though the general territorial limit names only the Personal Accident section as the exception.","quote":"This Policy covers insured events arising during the Policy Period within India (except in case of Personal Accident section). The Company's liability to make any payment shall be to make payment within India and in Indian Rupees only. ... Following an Accidental Bodily Injury sustained by the Insured whilst playing or practicing golf on any recognized golf course anywhere in the world during the Policy Period ... Following an Accidental Bodily Injury sustained by the Insured's Caddy on any recognized golf course anywhere in the world during the Policy Period ... whilst playing or practicing golf on any recognized golf course anywhere in the world","sources":[{"clause":null,"heading":"Territorial Limits","page":8,"url":"https://indiainsurances.com/policy/generali-central-insurance/golfers-insurance-irdan132rpms0010v01201112/document/5989#c-territorial-limits"},{"clause":"Section 4","heading":"Personal Accident Cover for Insured","page":2,"url":"https://indiainsurances.com/policy/generali-central-insurance/golfers-insurance-irdan132rpms0010v01201112/document/5989#c-section-4"},{"clause":"Section 5","heading":"Personal Accident Cover for Caddy","page":2,"url":"https://indiainsurances.com/policy/generali-central-insurance/golfers-insurance-irdan132rpms0010v01201112/document/5989#c-section-5"},{"clause":"Section 6","heading":"· Hospitalization Cover","page":4,"url":"https://indiainsurances.com/policy/generali-central-insurance/golfers-insurance-irdan132rpms0010v01201112/document/5989#c-section-6"}],"law":[]},{"key":"subject_covered","label":"What is insured","section":"Cover","meaning":"The thing or risk this policy covers.","status":"quote-verified","value":"The policy covers risks in relation to use of golfing equipment, including the insured's golf bag, umbrella, clubs, trolley, clothing and wearing apparel, and specified golf-related liability and accident benefits.","display":"Risks in relation to use of golfing equipment and specified golf-related liability/accident benefits","note":null,"quote":"4 | Interests Insured | Risks in relation to use of Golfing Equipments | NA ... \"Insured equipment\" means Golf equipment being a golf bag, a golf umbrella, golf clubs, a golf trolley, clothing and wearing apparel the property of and the legal responsibility of The Insured.","sources":[{"clause":"Row 4","heading":"Interests Insured","page":1,"url":"https://indiainsurances.com/policy/generali-central-insurance/golfers-insurance-irdan132rpms0010v01201112/document/5988#c-row-4"},{"clause":null,"heading":"\"Medical Practitioner\"","page":5,"url":"https://indiainsurances.com/policy/generali-central-insurance/golfers-insurance-irdan132rpms0010v01201112/document/5989#c-medical-practitioner"}],"law":[]}],"documents":[{"kind":"wording","label":"Golfers Insurance Policy Wordings","pages":11,"fetched_at":"2026-10-17 19:39:27+00","source_url":"https://www.generalicentralinsurance.com/downloads/other-insurance/golfers-insurance/policy-wording/golfers-insurance-retail-policy-wordings.pdf","url":"https://indiainsurances.com/policy/generali-central-insurance/golfers-insurance-irdan132rpms0010v01201112/document/5989"},{"kind":"prospectus","label":"Golfers Insurance Prospectus Form","pages":6,"fetched_at":"2026-10-17 19:39:24+00","source_url":"https://www.generalicentralinsurance.com/downloads/other-insurance/golfers-insurance/prospectus-forms/golfers-insurance-prospectus-retail.pdf","url":"https://indiainsurances.com/policy/generali-central-insurance/golfers-insurance-irdan132rpms0010v01201112/document/5985"},{"kind":"cis","label":"Golfers Insurance Customer Information Sheet","pages":8,"fetched_at":"2026-10-17 19:39:25+00","source_url":"https://www.generalicentralinsurance.com/downloads/other-insurance/golfers-insurance/customer-information-sheet/golfers-insurance-retail-cis.pdf","url":"https://indiainsurances.com/policy/generali-central-insurance/golfers-insurance-irdan132rpms0010v01201112/document/5988"}],"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":"Golfers Insurance (UIN IRDAN132RPMS0010V01201112), IndiaInsurances, https://indiainsurances.com/policy/generali-central-insurance/golfers-insurance-irdan132rpms0010v01201112"}