{"uin":"IRDAN141RP0001V02201112","name":"Clinical Trials Insurance","url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/clinical-trials-insurance-irdan141rp0001v02201112","insurer":{"slug":"raheja-qbe-general-insurance","name":"Raheja QBE General Insurance Co. Ltd.","url":"https://indiainsurances.com/insurer/raheja-qbe-general-insurance"},"line":"general","category":"other-general","category_name":"Other general insurance","irdai_type":null,"kind":"product","status":"active","approved_on":"2015-11-26","withdrawn_on":null,"summary":"Clinical Trials and/or Human Volunteers Studies Insurance indemnifies the insured for damages claimed by research subjects for bodily injury caused by an occurrence arising out of the insured's business. Claims must be notified in writing as soon as reasonably practicable and within 30 days, and cancellation by the insured requires 30 days' written notice with short-period premium retention.","analysis":{"state":"machine","analysed_at":"2026-10-20 02:41:33.32915+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"No named plans or variants are stated in the wording.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The wording refers to the Period of Insurance stated in the Schedule but does not state a fixed policy term.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"The insured must give written notice to the Company as soon as reasonably practicable and in any event within 30 days of receiving any claim or of any specific event that may give rise to a claim. Every claim, writ, summons or process must be forwarded immediately on receipt.","display":"As soon as reasonably practicable and in any event within 30 days; claim papers immediately on receipt.","note":null,"quote":"give written notice as soon as reasonably practicable and in any event within 30 days to the Company of: ... a) the receipt by the Insured of any Claim; ... b) any specific event which in the opinion of the Insured may give rise to a Claim.\nEvery Claim writ summons or process shall be forwarded to the Company immediately on receipt.","sources":[{"clause":null,"heading":"CONDITIONS","page":14,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/clinical-trials-insurance-irdan141rp0001v02201112/document/14674#c-conditions"},{"clause":"44(a)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/clinical-trials-insurance-irdan141rp0001v02201112/document/14674#c-44-a-6"},{"clause":"44(b)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/clinical-trials-insurance-irdan141rp0001v02201112/document/14674#c-44-b-6"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"not-stated","value":null,"display":null,"note":"The wording asks the insured to furnish required documents and clarifications, but does not list the documents.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"not-stated","value":null,"display":null,"note":"The wording does not state a claim decision or payment timeline counted from intimation or last document.","quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["any consequence, whether direct or indirect, of war, invasion, act of foreign enemy, hostilities, civil war, rebellion, revolution, insurrection, military or usurped power","ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste","liability arising from any Occurrence happening prior to the Retroactive Date","any Claim arising out of an Occurrence the circumstances of which the Insured were aware, or ought reasonably to have been aware","liability arising from the failure of the drug or product to fulfil the purpose for which it was designed","Claims arising from the production, sale or provision of specified products such as Atomoxetine, Blood Borne Pathogens, Cox-2 Inhibitors, Isotretinoin (Accutane) and Thalidomide","any Act of Terrorism","asbestos or products containing asbestos","Mould","any financial loss which is not directly consequent upon Bodily Injury","costs incurred in the repair, reconditioning, modification, or replacement of any drug or product","costs arising out of the recall of any drug or product or any part thereof","sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions"],"display":"War and nuclear risks; prior or known occurrences; drug or product failure; specified excluded products; terrorism; asbestos; mould; financial loss not directly consequent on bodily injury; repair or recall costs; sanctions.","note":null,"quote":"The Company shall not be liable for:\n(1) any consequence, whether direct or indirect, of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power;\n(2) any liability of whatsoever nature directly or indirectly caused by or contributed to by or arising from:\n(a) ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel;\n(b) the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof.\n(3) liability arising from any Occurrence happening prior to the Retroactive Date;\n(4) any Claim arising out of an Occurrence the circumstances of which the Insured were aware, or ought reasonably to have been aware, prior to the commencement of the current Period of Insurance;\n(5) liability arising from the failure of the drug or product (or any part thereof) to fulfil the purpose for which it was designed or to perform as specified, warranted or guaranteed; ... (6) (a) Claims arising from the production, sale or provision of the following:- ... Atomoxetine ... Blood Borne Pathogens ... Cox-2 Inhibitors ... Isotretinoin (Accutane) ... Thalidomide ... a) any Act of Terrorism regardless of any other cause or event contributing concurrently or in any other sequence to the loss. ... liability arising from the manufacture, distribution, sale, installation, removal, use, ingestion, inhalation and or exposure to asbestos or products containing asbestos including liability resulting from asbestosis or any related disease.\n(9) liability for any loss, damage, demand, claim, cost, expense, suit, defence or other obligation of any kind or description directly or indirectly arising from or relating to Mould. ... (10) any financial loss which is not directly consequent upon Bodily Injury.\n(11) costs incurred in the repair, reconditioning, modification, or replacement of any drug or product or any part thereof or any financial loss consequent upon the necessity for such repair, reconditioning, modification or replacement. (12) costs arising out of the recall of any drug or product or any part thereof.\n(13) The company shall not be deemed to provide cover and shall not be liable to pay any claim or provide any benefit hereunder to the extent that the provisions of such cover, payment of such claim or provision of such benefit would expose the company to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions","sources":[{"clause":null,"heading":"EXCLUSIONS","page":7,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/clinical-trials-insurance-irdan141rp0001v02201112/document/14674#c-exclusions"},{"clause":"1","heading":"Atomoxetine","page":7,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/clinical-trials-insurance-irdan141rp0001v02201112/document/14674#c-1"},{"clause":"2","heading":"Blood Borne Pathogens","page":7,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/clinical-trials-insurance-irdan141rp0001v02201112/document/14674#c-2"},{"clause":"7","heading":"Cox-2 Inhibitors","page":7,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/clinical-trials-insurance-irdan141rp0001v02201112/document/14674#c-7"},{"clause":"23","heading":"Isotretinoin (Accutane)","page":8,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/clinical-trials-insurance-irdan141rp0001v02201112/document/14674#c-23"},{"clause":"37","heading":"Thalidomide","page":8,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/clinical-trials-insurance-irdan141rp0001v02201112/document/14674#c-37"},{"clause":"44(a)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/clinical-trials-insurance-irdan141rp0001v02201112/document/14674#c-44-a"},{"clause":"44(b)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/clinical-trials-insurance-irdan141rp0001v02201112/document/14674#c-44-b"}],"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":"For complaints, the dispute will be considered afresh by the Grievance Redressal Committee of RQBE at the insured's request. If the insured is not satisfied with that decision, the case may be referred to the Insurance Ombudsman.","display":"Grievance Redressal Committee of RQBE first; then Insurance Ombudsman if not satisfied.","note":null,"quote":"For resolution of such complaints RQBE has developed a Grievance Redressal mechanism.\nAt your request, the Dispute will be considered afresh by the Grievance Redressal Committee of RQBE.\nIf you are not satisfied with the decision of the Grievance Redressal Committee you may refer your case to the\nInsurance Ombudsman*.","sources":[{"clause":null,"heading":"RAHEJA QBE GENERAL INSURANCE COMPANY LIMITED","page":17,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/clinical-trials-insurance-irdan141rp0001v02201112/document/14674#c-raheja-qbe-general-insurance-company-limited-17"}],"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":["Claim made by Research Subjects for Bodily Injury caused by an Occurrence","Legal Costs incurred with the written consent of the Company in the investigation, defence or settlement of any Claim covered by this Policy","Manslaughter Defence Costs (Ethics Committee)"],"display":"Research subject bodily injury claims; covered legal costs; manslaughter defence costs for the Ethics Committee.","note":"The manslaughter defence cost extension is subject to the provisos printed under that extension.","quote":"The Company will indemnify the Insured against all sums in excess of the Deductible that the Insured shall become liable to pay as Damages in respect of any Claim made by Research Subjects for Bodily Injury caused by an Occurrence ... The Company will also pay Legal Costs incurred with the written consent of the Company in the investigation, defence or settlement of any Claim covered by this Policy. ... (3) Manslaughter Defence Costs (Ethics Committee)\nThe Company will indemnify the Ethics Committee or any member thereof in respect of Legal Costs incurred with the Company’s written consent in the defence of any criminal proceedings","sources":[{"clause":null,"heading":"COVER","page":2,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/clinical-trials-insurance-irdan141rp0001v02201112/document/14674#c-cover"},{"clause":null,"heading":"EXTENSIONS","page":6,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/clinical-trials-insurance-irdan141rp0001v02201112/document/14674#c-extensions"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"not-stated","value":null,"display":null,"note":"The wording says the deductible amount is stated in the Schedule, but the schedule amount is not in the provided wording.","quote":null,"sources":[],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The insured may cancel by giving 30 days written notice. The Company retains the customary short period rate for the time the policy has been in force, and no premium refund is allowed if there has been any claim.","display":"30 days written notice; insurer retains customary short period rate; no refund if any claim.","note":"The wording also prints a short term scale headed as return of premium: 15 days Full Annual Premium; 1 month 85%; 2 months 80%; 3 months 75%; 4 months 70%; 5 months 60%; 6 months 50%; 7 months 40%; 8 months 20%; exceeding 8 months Nil.","quote":"This Policy may be cancelled at any time by the Insured giving 30 days written notice of cancellation to the Company, in which case the Company will retain the customary short period rate for the time the Policy has been in force. ... In case of any Claim under the Policy no refund of premium shall be allowed. ... The Insured would be entitled to a return of premium at Raheja QBE’s short period scales as mentioned in the\ntable below, for the period the Policy had been in force.\nFor a period not exceeding | 15 days | Full Annual Premium\n-do- | 1 month | 85% of the Annual Premium\n-do- | 2 months | 80% of the Annual Premium\n-do- | 3 months | 75% of the Annual Premium\n-do- | 4 months | 70% of the Annual Premium\n-do- | 5 months | 60% of the Annual Premium\n-do- | 6 months | 50% of the Annual Premium\n-do- | 7 months | 40% of the Annual Premium\n-do- | 8 months | 20% of the Annual Premium\nFor a period exceeding | 8 months | Nil","sources":[{"clause":null,"heading":"RAHEJA QBE GENERAL INSURANCE COMPANY LIMITED","page":16,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/clinical-trials-insurance-irdan141rp0001v02201112/document/14674#c-raheja-qbe-general-insurance-company-limited-16"},{"clause":null,"heading":"RAHEJA QBE GENERAL INSURANCE COMPANY LIMITED","page":17,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/clinical-trials-insurance-irdan141rp0001v02201112/document/14674#c-raheja-qbe-general-insurance-company-limited-17"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"not-stated","value":null,"display":null,"note":"The wording defines Policy Territory and Policy Jurisdiction by reference to the Schedule, but the actual country or territory is not stated in the provided wording.","quote":null,"sources":[],"law":[]},{"key":"subject_covered","label":"What is insured","section":"Cover","meaning":"The thing or risk this policy covers.","status":"quote-verified","value":"The policy covers liability from clinical trials or healthy volunteer studies: damages the insured becomes liable to pay for claims by research subjects for bodily injury caused by an occurrence arising out of the insured's business. It also covers legal costs incurred with the Company's written consent for investigation, defence or settlement of a covered claim.","display":"Liability for research subject bodily injury claims from clinical trials or healthy volunteer studies, plus covered legal costs.","note":null,"quote":"Trial shall mean any clinical trial or healthy volunteer study which is permitted under and complies with the prevalent applicable statutory requirements or guidelines of the relevant person, authority, department or public or private body in the jurisdiction in which the Trial occurred. ... The Company will indemnify the Insured against all sums in excess of the Deductible that the Insured shall become liable to pay as Damages in respect of any Claim made by Research Subjects for Bodily Injury caused by an Occurrence happening after the Retroactive Date stated in the Schedule within the Policy Territory and brought within the Policy Jurisdiction and arising out of the Business of the Insured as stated in the Schedule ... The Company will also pay Legal Costs incurred with the written consent of the Company in the investigation, defence or settlement of any Claim covered by this Policy.","sources":[{"clause":null,"heading":"RAHEJA QBE GENERAL INSURANCE COMPANY LIMITED","page":4,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/clinical-trials-insurance-irdan141rp0001v02201112/document/14674#c-raheja-qbe-general-insurance-company-limited-4"},{"clause":null,"heading":"COVER","page":2,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/clinical-trials-insurance-irdan141rp0001v02201112/document/14674#c-cover"}],"law":[]}],"documents":[{"kind":"wording","label":"Clinical Trials Insurance - Policy wording","pages":19,"fetched_at":"2026-10-17 19:57:22+00","source_url":"https://rahejaqbe.com/uploads/images/clinical-trials/pdf/download/policy-wordings-V01.pdf","url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/clinical-trials-insurance-irdan141rp0001v02201112/document/14674"},{"kind":"wording","label":"Clinical Trials Insurance Policy (IRDAI copy)","pages":21,"fetched_at":"2026-10-20 01:43:47+00","source_url":"https://irdai.gov.in/documents/37343/993134/68_GEN1010.pdf/00a0b9ad-26b6-feea-9fb1-49d3f3935fc9?version=1.1&t=1668592159542&download=true","url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/clinical-trials-insurance-irdan141rp0001v02201112/document/27112"}],"versions":[{"uin":"RQB-LI-P16-45-V02-15-16","version":null,"approved_on":null},{"uin":"IRDAN141RP0001V02201112","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Raheja QBE General Insurance official website","url":"https://www.rahejaqbe.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":"Claims","url":"https://rahejaqbe.com/claims","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://rahejaqbe.com/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."}],"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":"Clinical Trials Insurance (UIN IRDAN141RP0001V02201112), IndiaInsurances, https://indiainsurances.com/policy/raheja-qbe-general-insurance/clinical-trials-insurance-irdan141rp0001v02201112"}