{"uin":"IRDAN132RPPR0016V01202122","name":"Sampoorna Suraksha-Sookshma (Micro Insurance)","url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-sookshma-micro-insurance-irdan132rppr0016v01202122","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-Sookshma is a micro-insurance package for rural and semi-rural insureds and their business, with sections for hospital cash, personal accident, building and contents, robbery and burglary, farm produce, agricultural pump set, cart protection and liability, and pedal cycle. The maximum policy term is one year, cover is within India except the personal accident section, and consequential losses including business interruption are excluded.","analysis":{"state":"machine","analysed_at":"2026-10-20 10:33:18.920056+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; Plan C","note":"These plan names are stated for the Hospital Cash Benefit section in the prospectus.","quote":"Benefits | Plan A | Plan B | Plan C\nDaily Hospitalization benefit due to sickness or accident | `175 | `250 | `300","sources":[{"clause":null,"heading":"EXIT AGE IS NOT APPLICABLE FOR THIS PRODUCT Max coverage: 30 Days*","page":1,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-sookshma-micro-insurance-irdan132rppr0016v01202122/document/6091#c-exit-age-is-not-applicable-for-this-product-max"}],"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":"Maximum policy term is one year.","display":"Max Policy Term - One year","note":"The policy wording defines the period by the policy schedule; the one-year maximum is stated in the prospectus.","quote":"Max Policy Term - One year","sources":[{"clause":null,"heading":"Max Policy Term - One year MINIMUM ONE SECTION IS COMPULSORY","page":3,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-sookshma-micro-insurance-irdan132rppr0016v01202122/document/6091#c-max-policy-term-one-year-minimum-one-section-is"}],"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 hospital cash, the insurer must be informed in writing immediately and within 48 hours of the illness or bodily injury. For other claims, written notice must be given immediately and within 14 days, with 48 hours for Section 4 Robbery and Burglary; property losses under the GC Bharat Sookshma Udyam Suraksha annexure also require immediate notice.","display":"Immediately; within 48 hours for hospital cash and Section 4 Robbery and Burglary; within 14 days for other claims","note":null,"quote":"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. ... 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 ... As soon as any loss or physical damage occurs to any Insured Property due to an Insured Event, You must immediately give notice to Us of the loss or damage.","sources":[{"clause":"3(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-sookshma-micro-insurance-irdan132rppr0016v01202122/document/6158#c-3-a"},{"clause":"3(a)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-sookshma-micro-insurance-irdan132rppr0016v01202122/document/6158#c-3-a-3"},{"clause":"5(IV)(a)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-sookshma-micro-insurance-irdan132rppr0016v01202122/document/6158#c-5-iv-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":["Completely filled Sampoorna Suraksha Claim form","Discharge certificate/ card from Hospital","Final Hospital bill with receipt(certified copies)","written complaint, the First Information Report and/or Final Report","Policy Number, Your name, police and authority report details, insured event details, loss statement, other insurance particulars, add-on loss details, and photographs where possible","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","Plans, specification books, vouchers, invoices pertaining to costs incurred by You for reconstruction/replacement/repairs"],"display":"Claim form, hospital discharge and bill documents, police/FIR papers where applicable, loss details, photographs where possible, and repair/replacement proof","note":null,"quote":"i) Completely filled Sampoorna Suraksha Claim form\nii) Discharge certificate/ card from Hospital\niii) Final Hospital bill with receipt(certified copies) ... 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; ... You must state in this notice\ni) the Policy Number,\nii) Your name,\niii) details of report to the police that You made,\niv) details of report to any authority that You made,\nv. details of the Insured Event vi. | a brief statement of the loss, vii. particulars of any\nother insurance of the Insured Property, Your Premises or any other Property on Your Premises.\nviii. details of loss or damage under Add-ons, if any, and\nix. submit photographs of loss or physical damage, wherever possible. ... 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; ... You must support Your claim for Insured Property with Plans, specification books, vouchers, invoices pertaining to costs incurred by You for reconstruction/replacement/repairs.","sources":[{"clause":"3(f)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-sookshma-micro-insurance-irdan132rppr0016v01202122/document/6158#c-3-f"},{"clause":"3(b)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-sookshma-micro-insurance-irdan132rppr0016v01202122/document/6158#c-3-b-3"},{"clause":"5(IV)(c)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-sookshma-micro-insurance-irdan132rppr0016v01202122/document/6158#c-5-iv-c"},{"clause":"3(c)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-sookshma-micro-insurance-irdan132rppr0016v01202122/document/6158#c-3-c-3"},{"clause":"5(IV)(b)(i)","heading":null,"page":34,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-sookshma-micro-insurance-irdan132rppr0016v01202122/document/6158#c-5-iv-b-i"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The CIS states that 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 receipt of survey report or 22 days from submission of all documents","note":"This turnaround time is 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":"Row 3","heading":"Settlement of claim","page":12,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-sookshma-micro-insurance-irdan132rppr0016v01202122/document/6082#c-row-3-4"}],"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":["Hospital cash: pre-existing conditions until 24 consecutive months have elapsed","Hospital cash: illness diagnosed or diagnosable within 30 days of commencement, except accidental bodily injury","Hospital cash: any treatment received out of India","Personal accident: suicide, attempted suicide or self inflicted injury or illness","Personal accident: the influence of liquor or drugs","Robbery and burglary: Valuables except for those items, if any, specifically listed in the Schedule","Robbery and burglary: Theft","Building and contents: Excess of ₹ 5,000 for each claim","Building and contents: deliberate, wilful or intentional act or omission","Building and contents: electrical/electronic damage by over-running, excessive pressure, short circuiting, arcing, self-heating or leakage of electricity","Building and contents: premises or insured building continuously unoccupied for more than 30 days without prior written approval","General exclusions: consequential losses including loss of profit and business interruption","General exclusions: war, invasion, acts of foreign enemies, hostilities, civil war, rebellion, revolution, insurrection, terrorism or terrorist acts","General exclusions: pollution or contamination"],"display":"Key exclusions include hospital cash waiting-period exclusions, out-of-India treatment, suicide and liquor/drugs for personal accident, valuables and theft under robbery/burglary, property excess and intentional/electrical/unoccupied-property exclusions, and general consequential loss, war/terrorism and pollution exclusions.","note":"The policy has separate special exclusions for each section; the list gives the main exclusions most relevant across the package.","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. ... Any treatment received out of India. ... i) Suicide, attempted suicide or self inflicted injury or illness.\nii) The influence of liquor or drugs. ... a) for Valuables except for those items, if any, specifically listed in the Schedule; ... f) Theft. Specific Definition: Motor Vehicle will mean as defined in Motor Vehicle Act 1988. ... 1. i. Excess of ₹ 5,000 (Rupees Five Thousand) for each claim. This means that We will deduct ₹ 5000 (Rupees Five Thousand) for each and every loss suffered by You under the terms of this policy.\nii. For terrorism risk the Excess shall be as per the clause attached to this policy.\n2. Your deliberate, wilful or intentional act or omission, or of anyone on Your behalf, or with Your connivance. ... Loss, damage or destruction to any electrical/electronic machine, apparatus, fixture, or fitting by over-running, excessive pressure, short circuiting, arcing, self-heating or leakage of electricity from whatever cause (lightning included). ... Your Premises or any Insured Building remaining continuously unoccupied for a period of more than 30 days, unless You have obtained prior written approval from Us and such approval is recorded as an endorsement on the Policy. ... a) 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); ... War (whether war be declared or not), invasion, acts of foreign enemies, hostilities, civil war, rebellion, revolution, insurrection, terrorism or terrorist acts or activities military or usurped power or confiscation or nationalisation or requisition of or loss of or damage to property by or under the order of any government or public authority. ... Pollution or contamination by solids, liquids, gaseous or thermal irritants, contaminants, smoke, vapour, soot, fumes, acids, alkalis, radioactive and/or nuclear material, chemical or waste materials (including but not limited to any materials to be recycled, reconditioned or reclaimed) or otherwise of atmosphere, water, soil or other tangible material property.","sources":[{"clause":"2(i)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-sookshma-micro-insurance-irdan132rppr0016v01202122/document/6158#c-2-i"},{"clause":"2(iii)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-sookshma-micro-insurance-irdan132rppr0016v01202122/document/6158#c-2-iii"},{"clause":"2(xxi)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-sookshma-micro-insurance-irdan132rppr0016v01202122/document/6158#c-2-xxi"},{"clause":"3","heading":"Special Exclusions","page":4,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-sookshma-micro-insurance-irdan132rppr0016v01202122/document/6158#c-3-2"},{"clause":"3","heading":"Special Exclusions","page":6,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-sookshma-micro-insurance-irdan132rppr0016v01202122/document/6158#c-3-3"},{"clause":"5(d)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-sookshma-micro-insurance-irdan132rppr0016v01202122/document/6158#c-5-d-3"},{"clause":"1","heading":"The Insured’s","page":12,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-sookshma-micro-insurance-irdan132rppr0016v01202122/document/6158#c-1-11"},{"clause":"8","heading":null,"page":13,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-sookshma-micro-insurance-irdan132rppr0016v01202122/document/6158#c-8-2"},{"clause":"10","heading":null,"page":13,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-sookshma-micro-insurance-irdan132rppr0016v01202122/document/6158#c-10-2"}],"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":"First contact the insurer’s Grievance Redressal Officer or Grievance Redressal Cell at the head office, by post or email; the policy gives gcigro@generalicentral.com, phone 7900197777, and the Thane head-office address.","display":"Write or email 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 You can write directly to our Grievance Redressal Cell at our Head office:\nGrievance Redressal Cell, Generali Central Insurance Company Limited Lodha I – Think Techno Campus, B Wing – 2nd Floor, Pokhran Road – 2, Off Eastern Express Highway Behind TCS, Thane West – 400607.","sources":[{"clause":"5(IV)(c)(iii)","heading":null,"page":35,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-sookshma-micro-insurance-irdan132rppr0016v01202122/document/6158#c-5-iv-c-iii"}],"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":["Hospital cash for Accidental Bodily Injury or Sickness causing hospitalisation","Personal accident death within 12 months of accidental bodily injury","Personal accident permanent total disability within 12 months of accidental bodily injury","Buildings and Contents on the same terms as GC Bharat Sookshma Udyam Suraksha","Robbery or Burglary loss or damage to Building and Contents and lock-change costs","Farm Produce loss or damage from accidental fire, lightning, domestic gas explosion, accidental impact damage, riot, strike or malicious damage","Agricultural Pump Set loss or damage from accidental fire, lightning, sudden and unexpected mechanical or electrical breakdown, riot, strike or malicious damage","Cart loss or damage by accident or malicious act, animal death or permanent total disability, driver death or permanent total disability, and third-party liability","Pedal Cycle loss or damage by accident or malicious act and third-party liability","GC Bharat Sookshma Udyam Suraksha insured events include fire, explosion or implosion, lightning, earthquake, storm and flood, subsidence, bush/forest/jungle fire, impact damage, missile testing, riot/strike/malicious damage, terrorism, bursting/overflowing tanks and pipes, sprinkler leakage, and theft within 7 days from an insured event"],"display":"Hospital cash, personal accident, buildings and contents, robbery/burglary, farm produce, pump set, cart, pedal cycle, and listed fire/allied perils","note":"Some sections apply only if opted, as the CIS states that only opted covers reflect in the policy.","quote":"In the event of Accidental Bodily Injury or Sickness first occurring or manifesting itself during the Policy Period and causing the Insured’s Hospitalisation within the Policy Period, the Company will pay the Hospital Cash benefit ... i) the Insured’s death within 12 months of having sustained Accidental Bodily Injury during the Policy Period; ... ii) the Insured’s Permanent Total Disability within 12 months of having sustained Accidental Bodily Injury during the Policy Period. ... This section provides coverage for Insured’s Buildings, and Contents at the Insured location on the same terms as if they were covered under the Company’s GC Bharat Sookshma Udyam Suraksha policy ... i) loss or damage to the Building caused by actual or attempted Robbery or Burglary, and\nii) loss or damage to Contents at the Insured location caused by actual or attempted Robbery or Burglary, and\niii) The reasonable costs incurred in changing damaged locks ... Cover is provided for loss or damage to Farm Produce stored in a godown or other Building ... a) 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. ... a) Loss or damage caused to the Insured’s Cart by Accident or the malicious act of a third party. ... e) Any sum that the Insured is held liable to pay as Damages to a third party ... a) 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, and ... b) any sum that the Insured is legally held liable to pay as Damages to a third party ... We cover physical loss or damage, or destruction caused to the Insured Property by | We do not cover loss or damage, or destruction caused to the Insured Property by\n1. | Fire, including due to its or spontaneous or natural heating combustion. ... 2. | Explosion or Implosion ... 3. | Lightning | -\n4. | Earthquake, volcanic eruption, or other convulsions of nature | - ... 5 Storm, Cyclone, Typhoon,","sources":[{"clause":"1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-sookshma-micro-insurance-irdan132rppr0016v01202122/document/6158#c-1-2"},{"clause":"1(i)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-sookshma-micro-insurance-irdan132rppr0016v01202122/document/6158#c-1-i"},{"clause":"1(ii)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-sookshma-micro-insurance-irdan132rppr0016v01202122/document/6158#c-1-ii"},{"clause":"1","heading":null,"page":5,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-sookshma-micro-insurance-irdan132rppr0016v01202122/document/6158#c-1-4"},{"clause":"1","heading":"This section provides coverage for","page":5,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-sookshma-micro-insurance-irdan132rppr0016v01202122/document/6158#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-sookshma-micro-insurance-irdan132rppr0016v01202122/document/6158#c-1-6"},{"clause":"1","heading":"Cover is provided for the following","page":6,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-sookshma-micro-insurance-irdan132rppr0016v01202122/document/6158#c-1-7"},{"clause":"1(a)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-sookshma-micro-insurance-irdan132rppr0016v01202122/document/6158#c-1-a"},{"clause":"1(e)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-sookshma-micro-insurance-irdan132rppr0016v01202122/document/6158#c-1-e"},{"clause":"1(a)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-sookshma-micro-insurance-irdan132rppr0016v01202122/document/6158#c-1-a-2"},{"clause":"1(b)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-sookshma-micro-insurance-irdan132rppr0016v01202122/document/6158#c-1-b-2"},{"clause":"4","heading":"Special Meanings of Words: Words stated in the table below have a special meaning","page":20,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-sookshma-micro-insurance-irdan132rppr0016v01202122/document/6158#c-4-4"},{"clause":"5","heading":"Storm, Cyclone, Typhoon,","page":23,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-sookshma-micro-insurance-irdan132rppr0016v01202122/document/6158#c-5-4"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"quote-verified","value":"Deductibles vary by cover: hospital cash has a 24-hour time deductible; robbery and burglary has 5% of sum insured, minimum Rs 500 and maximum Rs 10,000 for each claim; building and contents under the GC Bharat Sookshma Udyam Suraksha annexure has an excess of ₹ 5,000 for each claim. The prospectus states additional deductibles for farm produce, agricultural pump set, cart third-party property damage, and pedal cycle.","display":"Varies by cover: 24 hrs for hospital cash; 5% of SI min Rs 500 max Rs 10,000 for robbery/burglary; ₹ 5,000 for building and contents","note":"Farm produce, agricultural pump set, cart and pedal cycle deductibles are stated in the prospectus rather than the policy wording excerpts.","quote":"subject to the time deductible of 24 hrs ... Deductible: 5% of SI Minimum Rs 500/- Maximum Rs 10,000/-for each claim. ... Excess of ₹ 5,000 (Rupees Five Thousand) for each claim. This means that We will deduct ₹ 5000 (Rupees Five Thousand) for each and every loss suffered by You under the terms of this policy. ... 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":"1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-sookshma-micro-insurance-irdan132rppr0016v01202122/document/6158#c-1-2"},{"clause":"3","heading":"Special Exclusions","page":6,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-sookshma-micro-insurance-irdan132rppr0016v01202122/document/6158#c-3-3"},{"clause":"5(d)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-sookshma-micro-insurance-irdan132rppr0016v01202122/document/6158#c-5-d-3"},{"clause":"Section 5","heading":"FARM PRODUCE","page":2,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-sookshma-micro-insurance-irdan132rppr0016v01202122/document/6091#c-section-5"},{"clause":"Section 6","heading":"AGRICULTURAL PUMP SET","page":2,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-sookshma-micro-insurance-irdan132rppr0016v01202122/document/6091#c-section-6"},{"clause":"Section 7","heading":"CART PROTECTION & LIABILITY","page":3,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-sookshma-micro-insurance-irdan132rppr0016v01202122/document/6091#c-section-7"},{"clause":"Section 8","heading":"PEDAL CYCLE","page":3,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-sookshma-micro-insurance-irdan132rppr0016v01202122/document/6091#c-section-8"}],"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. If no claim has been made up to the cancellation request, proportionate premium is refunded for the unexpired period, for policy periods up to one year or more than one year.","display":"Proportionate premium for the unexpired period if no claim has been made","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.\nRefund of premium will apply in the following manner:\n• 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.\n• 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(c)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-sookshma-micro-insurance-irdan132rppr0016v01202122/document/6158#c-6-c"}],"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 for the Personal Accident section, which provides worldwide coverage. Payments are made within India and in Indian Rupees only.","display":"Within India, except Personal Accident is worldwide; payment in India in Indian Rupees","note":null,"quote":"This section provides world wide coverage for either ... 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.","sources":[{"clause":"1","heading":"This section provides world wide coverage for either","page":4,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-sookshma-micro-insurance-irdan132rppr0016v01202122/document/6158#c-1-3"},{"clause":"12","heading":"Territorial Limits and Law","page":18,"url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-sookshma-micro-insurance-irdan132rppr0016v01202122/document/6158#c-12-2"}],"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-Sookshma (Micro Insurance) Policy Wordings","pages":42,"fetched_at":"2026-10-17 19:46:48+00","source_url":"https://www.generalicentralinsurance.com/downloads/rural-insurance/sampoorna-suraksha-sookshma-micro-insurance/policy-wording/sampoorna-suraksha-sookshma-micro-insurance-retail-policy-wordings.pdf","url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-sookshma-micro-insurance-irdan132rppr0016v01202122/document/6158"},{"kind":"prospectus","label":"Sampoorna Suraksha-Sookshma (Micro Insurance) Prospectus Form","pages":17,"fetched_at":"2026-10-17 19:45:37+00","source_url":"https://www.generalicentralinsurance.com/downloads/rural-insurance/sampoorna-suraksha-sookshma-micro-insurance/prospectus-forms/sampoorna-suraksha-sookshma-micro-insurance-retail-prospectus.pdf","url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-sookshma-micro-insurance-irdan132rppr0016v01202122/document/6091"},{"kind":"cis","label":"Sampoorna Suraksha-Sookshma (Micro Insurance) Customer Information Sheet","pages":13,"fetched_at":"2026-10-17 19:45:20+00","source_url":"https://www.generalicentralinsurance.com/downloads/rural-insurance/sampoorna-suraksha-sookshma-micro-insurance/customer-information-sheet/sampoorna-suraksha-sookshma-micro-insurance-retail-cis.pdf","url":"https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-sookshma-micro-insurance-irdan132rppr0016v01202122/document/6082"}],"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-Sookshma (Micro Insurance) (UIN IRDAN132RPPR0016V01202122), IndiaInsurances, https://indiainsurances.com/policy/generali-central-insurance/sampoorna-suraksha-sookshma-micro-insurance-irdan132rppr0016v01202122"}