{"uin":"IRDAN132RPPR0001V02201112","name":"Sampoorna Suraksha-Griha (Micro Insurance)","url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-griha-micro-insurance-irdan132rppr0001v02201112","insurer":{"slug":"generali-central-insurance","name":"Generali Central Insurance Company Limited","url":"https://indiainsurances.com/insurer/generali-central-insurance"},"line":"general","category":"micro-insurance","category_name":"Micro and social insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Sampoorna Suraksha-Griha (Micro Insurance) is a micro-insurance package for rural and semi-rural insureds with hospital cash, personal accident, home building and contents, robbery and burglary, farm produce, pump set, cart and pedal cycle sections. The home building sum insured is based on cost of construction, general contents have an in-built cover of 20% of the home building sum insured up to ₹ 10 Lakh, and GC Bharat Griha Raksha says underinsurance does not apply.","analysis":{"state":"machine","analysed_at":"2026-10-20 03:48:53.400421+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":"quote-verified","value":["Plan A","Plan B","Plan C"],"display":"Plan A, Plan B and Plan C","note":"The named plans are printed for the Hospital Cash Benefit.","quote":"Benefits | Plan A | Plan B | Plan C\nDaily Hospitalization benefit due to sickness or accident | `175 | `250 | `300","sources":[{"clause":null,"heading":"Max coverage: 30 Days*","page":1,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-griha-micro-insurance-irdan132rppr0001v02201112/document/6090#c-max-coverage-30-days"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"The main Sampoorna Suraksha-Griha prospectus states the maximum policy term is one year.","display":"Maximum one year","note":"The Bharat Griha Raksha annexure says the policy can be for one year or more than one year but cannot exceed 10 years; the main product prospectus states Max Policy Term - One year.","quote":"Max Policy Term - One year ... 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":"Max Policy Term - One year MINIMUM","page":3,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-griha-micro-insurance-irdan132rppr0001v02201112/document/6090#c-max-policy-term-one-year-minimum"},{"clause":null,"heading":"How long does this cover protect me?","page":11,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-griha-micro-insurance-irdan132rppr0001v02201112/document/6090#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 most covers, written notice must be given immediately and within 14 days; for Section 4 Robbery and Burglary it is within 48 hours. Hospital Cash claims require written intimation immediately and within 48 hours of the illness or bodily injury.","display":"Immediately and within 14 days; 48 hours for Robbery and Burglary and Hospital Cash","note":"For Home Building/Home Contents, the incorporated Bharat Griha Raksha wording also says notice must be given as soon as physical loss or damage occurs.","quote":"immediately and in any event within 14 days (48 hours in the case of a claim under Section 4- Robbery and Burglary) give written notice of the same to the address shown in the Schedule for this purpose ... You or someone claiming on Your behalf must inform Us in writing immediately, and in any event within 48 hours of the aforesaid Illness or Bodily Injury.","sources":[{"clause":"3(a)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-griha-micro-insurance-irdan132rppr0001v02201112/document/6157#c-3-a-3"},{"clause":"3(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-griha-micro-insurance-irdan132rppr0001v02201112/document/6157#c-3-a"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["completed claim form","first consultation letter","certified copies of vouchers, bills and receipts","birth/ death certificate (as applicable)","Completely filled Sampoorna Suraksha (Micro Insurance)-Griha Claim form","Discharge certificate/ card from Hospital","Final Hospital bill with receipt(certified copies)","written police complaint, First Information Report and/or Final Report","plans, specification books, vouchers, invoices for reconstruction/replacement/repairs","Death Certificate and Post Mortem report (wherever necessary)","photographs of loss or physical damage, wherever possible"],"display":"Claim form, supporting bills/vouchers/receipts, hospital discharge and final bill, police/FIR reports where applicable, repair/replacement documents and photographs where possible","note":null,"quote":"written details of the quantum of any claim along with all copies of supporting documentation, including but not limited to first consultation letter, certified copies of vouchers, bills and receipts, birth/ death certificate (as applicable) ... i) Completely filled Sampoorna Suraksha (Micro Insurance)-Griha Claim form\nii) Discharge certificate/ card from Hospital\niii) Final Hospital bill with receipt(certified copies) ... provide a copy of that written complaint, the First Information Report and/or Final Report to the Company ... 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. ... submit photographs of loss or physical damage, wherever possible.","sources":[{"clause":"3(d)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-griha-micro-insurance-irdan132rppr0001v02201112/document/6157#c-3-d"},{"clause":"3(f)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-griha-micro-insurance-irdan132rppr0001v02201112/document/6157#c-3-f"},{"clause":"3(b)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-griha-micro-insurance-irdan132rppr0001v02201112/document/6157#c-3-b-3"},{"clause":null,"heading":"5. Establish loss","page":30,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-griha-micro-insurance-irdan132rppr0001v02201112/document/6157#c-5-establish-loss"},{"clause":null,"heading":"1. Immediate notice to Us","page":29,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-griha-micro-insurance-irdan132rppr0001v02201112/document/6157#c-1-immediate-notice-to-us"}],"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 says claim settlement 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 all documents","note":"This timing is stated in the Customer Information Sheet; the policy wording does not print a claim settlement TAT.","quote":"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":12,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-griha-micro-insurance-irdan132rppr0001v02201112/document/6081#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":["Benefits will not be available for pre-existing conditions until 24 consecutive months have elapsed","Hospitalization undergone for any illness diagnosed or diagnosable within 30 days, except accidental Bodily Injury","War, Invasion, Act of Foreign Enemy, War like operations","Suicide, attempted suicide or self inflicted injury or illness","The influence of liquor or drugs","committing any breach of law with criminal intent","Valuables except for those items specifically listed in the Schedule","Farmhouse unoccupied for a continuous period of 35 days or a total of 60 days in any one Policy Period","Theft under Robbery & Burglary","consequential losses of any kind","Ionising radiation or contamination by radioactivity","Pollution or contamination","Loss or damage to any Insured Property removed from Your Home to any other place"],"display":"Main exclusions include waiting periods, war, suicide/self-injury, liquor or drugs, breach of law, unlisted valuables, unoccupied farmhouse, theft under Robbery & Burglary, consequential loss, nuclear/radiation, pollution, and property removed from home","note":null,"quote":"Benefits will not be available for Any condition, ailment or injury or related condition(s) for which You have been diagnosed, received medical treatment, had signs and/ or symptoms, prior to inception of Your first Policy, until 24 consecutive months have elapsed ... Hospitalization undergone for any illness diagnosed or diagnosable within 30 days, of the commencement of the Policy Period except those incurred as a result of accidental Bodily Injury. ... Injury or Disease directly on indirectly caused by or arising from or attributable to War, Invasion, Act of Foreign Enemy, War like operations ... i) Suicide, attempted suicide or self inflicted injury or illness.\nii) The influence of liquor or drugs.\niii) Arising or resulting from the insured person committing any breach of law with criminal intent. ... a) for Valuables except for those items, if any, specifically listed in the Schedule;\nb) if the Farmhouse has been unoccupied by the Insured and his Family for a continuous period of 35 days or a total of 60 days in any one Policy Period; ... f) Theft. ... consequential losses of any kind (including but not limited to loss of profit, loss of opportunity, loss of gain, business interruption, market loss, loss of a pure financial nature, loss of goodwill) ... Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste ... Pollution or contamination by solids, liquids, gaseous or thermal irritants ... Loss or damage to any Insured Property removed from Your Home to any other place.","sources":[{"clause":"2(i)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-griha-micro-insurance-irdan132rppr0001v02201112/document/6157#c-2-i"},{"clause":"2(iii)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-griha-micro-insurance-irdan132rppr0001v02201112/document/6157#c-2-iii"},{"clause":"2(iv)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-griha-micro-insurance-irdan132rppr0001v02201112/document/6157#c-2-iv"},{"clause":"3","heading":"Special Exclusions","page":4,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-griha-micro-insurance-irdan132rppr0001v02201112/document/6157#c-3-2"},{"clause":"3","heading":"Special Exclusions","page":6,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-griha-micro-insurance-irdan132rppr0001v02201112/document/6157#c-3-3"},{"clause":"1","heading":"The Insured’s","page":13,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-griha-micro-insurance-irdan132rppr0001v02201112/document/6157#c-1-11"},{"clause":"6","heading":null,"page":13,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-griha-micro-insurance-irdan132rppr0001v02201112/document/6157#c-6-2"},{"clause":"10","heading":null,"page":13,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-griha-micro-insurance-irdan132rppr0001v02201112/document/6157#c-10-2"},{"clause":"Row 4(b)(ii)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-griha-micro-insurance-irdan132rppr0001v02201112/document/6157#c-row-4-b-ii-2"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"The first route is to address the grievance to the insurer's Grievance Redressal Officer or Grievance Redressal Cell by post, email or phone.","display":"Contact the insurer's Grievance Redressal Officer / Grievance Redressal Cell first","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:\n1. Our Grievance Redressal Officer\nYou 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","sources":[{"clause":null,"heading":"Clause K. Grievances","page":32,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-griha-micro-insurance-irdan132rppr0001v02201112/document/6157#c-clause-k-grievances"}],"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":["Accidental Bodily Injury or Sickness causing Hospitalisation","death or Permanent Total Disability from Accidental Bodily Injury","Insured’s Buildings, Farmhouse and Contents in the Farmhouse on Bharat Griha Suraksha terms","actual or attempted Robbery or Burglary","changing damaged locks following actual or attempted Robbery or Burglary","Farm Produce loss or damage by Accidental fire, Lightning, explosion of gas in a domestic appliance, accidental impact damage, Riot, strike or malicious damage","Agricultural Pump Set loss or damage by Accidental fire, Lightning, sudden and unexpected mechanical or electrical breakdown, Riot, strike or malicious damage","Cart loss or damage by Accident or malicious act of a third party","Pedal Cycle loss or damage by Accident or malicious act of a third party and third party liability","Home insured events including Fire, Explosion or Implosion, Lightning, Earthquake, Storm/Cyclone/Flood, Subsidence/Landslide, Bush/Forest/Jungle Fire, Impact damage, Missile testing operations, Riot/Strikes/Malicious Damages, Acts of terrorism, Bursting or overflowing water tanks, sprinkler leakage and theft within 7 days"],"display":"Hospital cash, personal accident, building and contents, robbery and burglary, farm produce, pump set, cart, pedal cycle and Bharat Griha Raksha home insured events","note":null,"quote":"Accidental Bodily Injury or Sickness first occurring or manifesting itself during the Policy Period and causing the Insured’s Hospitalisation ... the Insured’s death within 12 months of having sustained Accidental Bodily Injury ... the Insured’s Permanent Total Disability within 12 months of having sustained Accidental Bodily Injury ... This section provides coverage for Insured’s Buildings, Farmhouse and Contents in the Farmhouse on the same terms as if they were covered under the Company’s Bharat Griha Suraksha ... loss or damage to the Building caused by actual or attempted Robbery or Burglary ... The reasonable costs incurred in changing damaged locks at the entry or exit points to or within the Building or the Farmhouse following actual or attempted Robbery or Burglary. ... Cover is provided for loss or damage to Farm Produce stored in a godown or other Building on the Farm caused by:\na) Accidental fire;\nb) Lightning;\nc) The explosion of gas in a domestic appliance;\nd) Accidental impact damage;\ne) Riot, strike or malicious damage. ... Loss or damage occasioned on the Farm to the Insured’s centrifugal Pump Set (whether electrical or diesel) used solely for Farm Business if caused by:\ni) Accidental fire;\nii) Lightning;\niii) Sudden and unexpected mechanical or electrical breakdown;\niv) Riot, strike or malicious damage. ... Loss or damage caused to the Insured’s Cart by Accident or the malicious act of a third party. ... the loss of or damage to a Pedal Cycle belonging to the Insured or any member of the Insured’s Family caused by Accident or the malicious act of a third party ... 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 | - ... 14. | Theft within 7 days from the occurrence of and proximately caused by any of the above Insured Events.","sources":[{"clause":"1","heading":"In the event of Accidental Bodily Injury or Sickness first occurring or manifesting itself","page":1,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-griha-micro-insurance-irdan132rppr0001v02201112/document/6157#c-1-2"},{"clause":"1(i)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-griha-micro-insurance-irdan132rppr0001v02201112/document/6157#c-1-i"},{"clause":"1(ii)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-griha-micro-insurance-irdan132rppr0001v02201112/document/6157#c-1-ii"},{"clause":"1","heading":"This section provides coverage for Insured’s Buildings, Farmhouse and Contents in the","page":5,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-griha-micro-insurance-irdan132rppr0001v02201112/document/6157#c-1-4"},{"clause":"1","heading":"This section provides coverage for","page":5,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-griha-micro-insurance-irdan132rppr0001v02201112/document/6157#c-1-5"},{"clause":"1","heading":"Cover is provided for loss or damage to Farm Produce stored in a godown or other Building","page":6,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-griha-micro-insurance-irdan132rppr0001v02201112/document/6157#c-1-6"},{"clause":"1","heading":"Cover is provided for the following","page":6,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-griha-micro-insurance-irdan132rppr0001v02201112/document/6157#c-1-7"},{"clause":"1(a)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-griha-micro-insurance-irdan132rppr0001v02201112/document/6157#c-1-a"},{"clause":"1(a)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-griha-micro-insurance-irdan132rppr0001v02201112/document/6157#c-1-a-2"},{"clause":"Row 1","heading":"Fire","page":21,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-griha-micro-insurance-irdan132rppr0001v02201112/document/6157#c-row-1"},{"clause":"Row 2","heading":"Explosion or Implosion","page":22,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-griha-micro-insurance-irdan132rppr0001v02201112/document/6157#c-row-2"},{"clause":"Row 3","heading":"Lightning","page":22,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-griha-micro-insurance-irdan132rppr0001v02201112/document/6157#c-row-3"},{"clause":"Row 4","heading":"Earthquake, volcanic eruption, or other convulsions of nature","page":22,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-griha-micro-insurance-irdan132rppr0001v02201112/document/6157#c-row-4"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"quote-verified","value":"The deductible is the amount or time stated in the Schedule and is borne by the insured for each claim. Specifically stated deductibles include a 24-hour time deductible for Hospital Cash and, for Robbery & Burglary, 5% of SI with minimum Rs 500 and maximum Rs 10,000 for each claim; the prospectus also lists section deductibles for Farm Produce, Agricultural Pump Set, Cart and Pedal Cycle.","display":"Schedule deductible; Hospital Cash 24 hours; Robbery & Burglary 5% of SI, min Rs 500 and max Rs 10,000 per claim","note":"Farm Produce, Agricultural Pump Set, Cart and Pedal Cycle deductibles are stated in the prospectus, not the policy wording clauses shown for those sections.","quote":"Deductible means the amount/ time stated in the Schedule, which shall be borne by the Insured in respect of each and every claim made under this Policy. ... subject to the time deductible of 24 hrs ... Deductible: 5% of SI Minimum Rs 500/- Maximum Rs 10,000/-for each claim. ... Deductible of 5% of the Sum Insured is applicable for each and every claim ... Deductible of 1% of Sum Insured or `100 whichever is less of is applicable on each and every claim. ... Deductible of `500/- is applicable on each and every claim on third party property damage only ... Deductible of `100/- is applicable on each and every claim","sources":[{"clause":"8","heading":"Deductible","page":10,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-griha-micro-insurance-irdan132rppr0001v02201112/document/6157#c-8"},{"clause":"1","heading":"In the event of Accidental Bodily Injury or Sickness first occurring or manifesting itself","page":1,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-griha-micro-insurance-irdan132rppr0001v02201112/document/6157#c-1-2"},{"clause":"3","heading":"Special Exclusions","page":6,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-griha-micro-insurance-irdan132rppr0001v02201112/document/6157#c-3-3"},{"clause":null,"heading":"FARM","page":2,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-griha-micro-insurance-irdan132rppr0001v02201112/document/6090#c-farm"},{"clause":null,"heading":"AGRICULTURAL","page":2,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-griha-micro-insurance-irdan132rppr0001v02201112/document/6090#c-agricultural"},{"clause":null,"heading":"CART","page":3,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-griha-micro-insurance-irdan132rppr0001v02201112/document/6090#c-cart"},{"clause":null,"heading":"PEDAL","page":3,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-griha-micro-insurance-irdan132rppr0001v02201112/document/6090#c-pedal"}],"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":"You can cancel at any time by written notice. If no claim has been made up to the cancellation request date, a proportionate premium is refunded for the unexpired period, whether the policy period is up to one year or more than one year.","display":"Proportionate refund for unexpired period if no claim","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. Refund 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.","sources":[{"clause":"6","heading":"Renewal & Cancellation","page":17,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-griha-micro-insurance-irdan132rppr0001v02201112/document/6157#c-6-3"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"The policy covers insured events and benefits arising within India, except the Personal Accident section, which provides worldwide coverage. Payments are made within India in Indian Rupees only.","display":"India, except Personal Accident is worldwide","note":null,"quote":"This Policy covers insured events/ benefits arising during the Policy Period within India (except for the Personal Accident Section). The Company’s liability to make any payment under any Cover shall be to make payment within India and in Indian Rupees only. ... This section provides world wide coverage for either","sources":[{"clause":"11","heading":"Territorial Limits and Law","page":18,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-griha-micro-insurance-irdan132rppr0001v02201112/document/6157#c-11-3"},{"clause":"1","heading":"This section provides world wide coverage for either","page":4,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-griha-micro-insurance-irdan132rppr0001v02201112/document/6157#c-1-3"}],"law":[]},{"key":"scheme","label":"Scheme","section":"Overview","meaning":"Government scheme this product belongs to, if any.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Sampoorna Suraksha-Griha (Micro Insurance) Policy Wordings","pages":38,"fetched_at":"2026-10-17 19:46:47+00","source_url":"https://www.generalicentralinsurance.com/downloads/rural-insurance/sampoorna-suraksha-griha-micro-insurance/policy-wording/sampoorna-suraksha-griha-micro-insurance-policy-wording.pdf","url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-griha-micro-insurance-irdan132rppr0001v02201112/document/6157"},{"kind":"prospectus","label":"Sampoorna Suraksha-Griha (Micro Insurance) Prospectus Form","pages":18,"fetched_at":"2026-10-17 19:45:35+00","source_url":"https://www.generalicentralinsurance.com/downloads/rural-insurance/sampoorna-suraksha-griha-micro-insurance/prospectus-forms/sampoorna-suraksha-micro-insurance-griha-prospectus.pdf","url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-griha-micro-insurance-irdan132rppr0001v02201112/document/6090"},{"kind":"cis","label":"Sampoorna Suraksha-Griha (Micro Insurance) Customer Information Sheet","pages":13,"fetched_at":"2026-10-17 19:45:15+00","source_url":"https://www.generalicentralinsurance.com/downloads/rural-insurance/sampoorna-suraksha-griha-micro-insurance/customer-information-sheet/sampoorna-suraksha-griha-micro-insurance-cis.pdf","url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-griha-micro-insurance-irdan132rppr0001v02201112/document/6081"}],"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":"Sampoorna Suraksha-Griha (Micro Insurance) (UIN IRDAN132RPPR0001V02201112), IndiaInsurances, https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-griha-micro-insurance-irdan132rppr0001v02201112"}