{"uin":"IRDAN141RP0004V04201011","name":"Multimedia Professional Indemnity Insurance Policy","url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/multimedia-professional-indemnity-insurance-policy-irdan141rp0004v04201011","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":"liability","category_name":"Liability","irdai_type":"Main product","kind":"product","status":"active","approved_on":"2021-07-29","withdrawn_on":null,"summary":"This is a multimedia professional indemnity insurance policy for legal liability from claims alleging breach of professional duty. It also covers defence or settlement costs with written consent and extensions such as defamation, intellectual property, breach of privacy and loss of documents, subject to the schedule and exclusions.","analysis":{"state":"machine","analysed_at":"2026-10-20 01:58:40.534432+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The wording defines the period of insurance by reference to the schedule, but the schedule is not included.","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":"Written notice of any claim must be given as soon as practicable and in any event within thirty (30) days after expiry of the Policy.","display":"As soon as practicable; in any event within thirty (30) days after expiry of the Policy","note":null,"quote":"It is a condition precedent that written notice of any Claim shall be given as soon as practicable and in any event occurred within thirty (30) days after the expiry of the Policy.","sources":[{"clause":null,"heading":"When to Notify a Claim","page":11,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/multimedia-professional-indemnity-insurance-policy-irdan141rp0004v04201011/document/14731#c-when-to-notify-a-claim"}],"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 policy requires cooperation and relevant information, but does not list claim documents to submit.","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":null,"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":["ownership, lease, operation or use of any aircraft, motor vehicle or watercraft by you","manufacturing, mining, processing, treating, handling, installing, using, removing, transporting, selling, distributing, and/or storage of asbestos","any duty or obligation as assumed by you by way of contract, warranty, guarantee or indemnity","bodily injury, unless arising directly from a breach of your professional duty","any talk-back or unscripted radio program that does not involve a monitored delay switch","any investigative journalism that has not first been reviewed by internal or external legal counsel","any actual or alleged delay, disruption or failure of any communication network, service, hardware or software","deliberate, dishonest, malicious, willful, intentional and /or fraudulent act or omission by you","any forum involving user input or feedback that is not moderated or reviewed by you prior to publication","your insolvency, bankruptcy or liquidation","occupation, control, management or ownership of any real property by you","any claim made, threatened or intimated against you prior to the period of insurance","sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions","any actual or alleged act of terrorism","war, invasion, acts of foreign enemies, hostilities"],"display":"Main exclusions include aircraft, motor vehicles and watercraft; asbestos; assumed contractual duties; bodily injury unless from professional duty; certain broadcasting; network or software delay or failure; deliberate or fraudulent acts; unmoderated user forums; insolvency; occupier’s liability; prior or pending matters; sanctions; terrorism; and war.","note":null,"quote":"ownership, lease, operation or use of any aircraft, motor vehicle or watercraft by you. ... manufacturing, mining, processing, treating, handling, installing, using, removing, transporting, selling, distributing, and/or storage of asbestos ... any duty or obligation as assumed by you by way of contract, warranty, guarantee or indemnity ... bodily injury, unless arising directly from a breach of your professional duty in the conduct of your profession by or on behalf of you. ... any talk-back or unscripted radio program that does not involve a monitored delay switch; or\n2. any investigative journalism that has not first been reviewed by internal or external legal counsel. ... any actual or alleged delay, disruption or failure of any communication network, service, hardware or software ... deliberate, dishonest, malicious, willful, intentional and /or fraudulent act or omission by you. ... any forum involving user input or feedback that is not moderated or reviewed by you prior to publication. ... any claim arising out your insolvency, bankruptcy or liquidation. ... occupation, control, management or ownership of any real property by you. ... made, threatened or intimated against you prior to the period of insurance ... sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions ... any actual or alleged act of terrorism ... war, invasion, acts of foreign enemies, hostilities","sources":[{"clause":"Section 3","heading":"Exclusions Aircraft motor vehicles and watercraft","page":8,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/multimedia-professional-indemnity-insurance-policy-irdan141rp0004v04201011/document/14731#c-section-3"},{"clause":null,"heading":"Asbestos","page":8,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/multimedia-professional-indemnity-insurance-policy-irdan141rp0004v04201011/document/14731#c-asbestos"},{"clause":null,"heading":"Assumed duty or obligation","page":8,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/multimedia-professional-indemnity-insurance-policy-irdan141rp0004v04201011/document/14731#c-assumed-duty-or-obligation"},{"clause":null,"heading":"Bodily injury","page":8,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/multimedia-professional-indemnity-insurance-policy-irdan141rp0004v04201011/document/14731#c-bodily-injury"},{"clause":null,"heading":"Broadcasting exclusion","page":8,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/multimedia-professional-indemnity-insurance-policy-irdan141rp0004v04201011/document/14731#c-broadcasting-exclusion"},{"clause":null,"heading":"Delay & Disruption","page":9,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/multimedia-professional-indemnity-insurance-policy-irdan141rp0004v04201011/document/14731#c-delay-disruption"},{"clause":null,"heading":"Deliberate, reckless, and malicious act","page":9,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/multimedia-professional-indemnity-insurance-policy-irdan141rp0004v04201011/document/14731#c-deliberate-reckless-and-malicious-act"},{"clause":null,"heading":"Internet chat-room exclusion","page":9,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/multimedia-professional-indemnity-insurance-policy-irdan141rp0004v04201011/document/14731#c-internet-chat-room-exclusion"},{"clause":null,"heading":"Insolvency","page":9,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/multimedia-professional-indemnity-insurance-policy-irdan141rp0004v04201011/document/14731#c-insolvency"},{"clause":null,"heading":"Occupier’s liability","page":10,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/multimedia-professional-indemnity-insurance-policy-irdan141rp0004v04201011/document/14731#c-occupiers-liability"},{"clause":null,"heading":"Prior or pending","page":10,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/multimedia-professional-indemnity-insurance-policy-irdan141rp0004v04201011/document/14731#c-prior-or-pending"},{"clause":null,"heading":"Sanctions Limitation Clause","page":11,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/multimedia-professional-indemnity-insurance-policy-irdan141rp0004v04201011/document/14731#c-sanctions-limitation-clause"},{"clause":null,"heading":"Terrorism","page":11,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/multimedia-professional-indemnity-insurance-policy-irdan141rp0004v04201011/document/14731#c-terrorism"},{"clause":null,"heading":"War","page":11,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/multimedia-professional-indemnity-insurance-policy-irdan141rp0004v04201011/document/14731#c-war"}],"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 a complaint or grievance, contact Raheja QBE through its website, email complaints@rahejaqbe.com, toll-free telephone 1800-102-7723, fax, post/courier or a branch office. If not satisfied, contact the Grievance Cell / Claims Manager at Raheja QBE General Insurance Company Ltd, and then the Insurance Ombudsman.","display":"Contact Raheja QBE first; if not satisfied, contact the Grievance Cell / Claims Manager, then the Insurance Ombudsman","note":null,"quote":"In case of a complaint or grievance, We may be contacted for redressal of the grievance on the following details:\nWebsite: www.rahejaqbe.com E-mail: complaints@rahejaqbe.com Telephone: 1800-102-7723 (Toll Free) Fax : 022- 42313777 Post/Courier: Any branch office or the correspondence address, during normal business hours ... If You are not satisfied with redressal of the complaint/grievance through one of the above channels, you may contact our Grievance Officer at:\nThe Grievance Cell, Claims Manager Raheja QBE General Insurance Company Ltd, WING-A, 501-502, 5th Floor, Fulcrum, IA Project Rd, Sahar Village, Andheri East, Mumbai, Maharashtra 400059 ... If You are not satisfied with our redressal of complaint/grievance through one of the above channels, You may approach the nearest Insurance Ombudsman for resolution of the grievance/complaint","sources":[{"clause":null,"heading":"Grievance Redressal","page":15,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/multimedia-professional-indemnity-insurance-policy-irdan141rp0004v04201011/document/14731#c-grievance-redressal"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"quote-verified","value":"The deductible is the amount shown in the schedule. For each claim or loss, you bear the deductible and the insurer indemnifies only the part in excess of it.","display":"Amount shown in the schedule, borne by you for each claim; insurer pays only the excess","note":"The rupee amount is not in the wording; it is stated in the schedule.","quote":"The amount shown as the deductible in the schedule. The deductible applies to all amounts payable under this policy including the indemnity provided under insuring clause B. ... In respect of each claim made against you (or loss incurred by you) the amount of the deductible shall be borne by you at your own risk and we shall only be liable to indemnify you for that part of any claim (or any loss incurred by you) which is in excess of the deductible.","sources":[{"clause":null,"heading":"Deductible","page":16,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/multimedia-professional-indemnity-insurance-policy-irdan141rp0004v04201011/document/14731#c-deductible-2"},{"clause":null,"heading":"Deductible","page":14,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/multimedia-professional-indemnity-insurance-policy-irdan141rp0004v04201011/document/14731#c-deductible"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"You may cancel at any time by written notice. The insurer allows a pro-rata refund of premium for the unexpired period of insurance, unless a claim or circumstance has been notified during the period, in which case no premium is refunded.","display":"Pro-rata refund for the unexpired period, unless a claim or circumstance has been notified; then no refund","note":null,"quote":"You may cancel this policy at any time by notifying to us in writing, and we will allow a pro-rata refund of premium for the unexpired period of insurance , unless a claim or circumstance has been notified to us during the period of insurance in which case no premium will be refunded.","sources":[{"clause":null,"heading":"Cancellation","page":13,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/multimedia-professional-indemnity-insurance-policy-irdan141rp0004v04201011/document/14731#c-cancellation"}],"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 says the territory and jurisdiction limits are specified in the schedule, but the schedule is not included.","quote":null,"sources":[],"law":[]},{"key":"liability_limit","label":"Limit of indemnity","section":"Cover","meaning":"Most paid per claim and per year.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"retroactive_date","label":"Retroactive date","section":"Cover","meaning":"Claims from events before this date are not covered.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Multimedia Professional Indemnity Insurance Policy - Policy Wordings","pages":23,"fetched_at":"2026-10-17 20:00:08+00","source_url":"https://rahejaqbe.com/uploads/images/compliance/pdf/rqbe-multimedia-policy-wordings-V02.pdf","url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/multimedia-professional-indemnity-insurance-policy-irdan141rp0004v04201011/document/14731"},{"kind":"wording","label":"Multimedia Professional Indemnity (IRDAI copy)","pages":23,"fetched_at":"2026-10-20 00:50:24+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN141RP0004V02201011.pdf/41d69a16-36e1-0efe-d4b2-36e89554b3db?version=1.1&t=1668843227257&download=true","url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/multimedia-professional-indemnity-insurance-policy-irdan141rp0004v04201011/document/24813"}],"versions":[{"uin":"IRDAN141RP0004V02201011","version":null,"approved_on":null},{"uin":"IRDAN141RP0004V04201011","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":"Multimedia Professional Indemnity Insurance Policy (UIN IRDAN141RP0004V04201011), IndiaInsurances, https://indiainsurances.com/policy/raheja-qbe-general-insurance/multimedia-professional-indemnity-insurance-policy-irdan141rp0004v04201011"}