{"uin":"IRDAN141RP0041V01202021","name":"Raheja QBE Bharat Griha Raksha","url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/raheja-qbe-bharat-griha-raksha-irdan141rp0041v01202021","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":"home","category_name":"Home insurance","irdai_type":"Main Product","kind":"product","status":"active","approved_on":"2022-04-22","withdrawn_on":null,"summary":"Raheja QBE Bharat Griha Raksha is a home insurance policy covering Home Building and/or Home Contents against listed insured events such as fire, earthquake, storm, flood, riot, terrorism and theft within 7 days of an insured event. General contents have built-in cover of 20% of the Home Building sum insured up to ₹ 10 Lakh when both covers are opted, and underinsurance does not apply.","analysis":{"state":"machine","analysed_at":"2026-10-20 05:24:37.360371+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":"quote-verified","value":"The policy period runs from the effective date and time shown in the Policy Schedule to midnight on the expiry date shown in the Policy Schedule, or earlier termination or cancellation.","display":"From effective date/time to midnight on the expiry date shown in the Policy Schedule, unless terminated or cancelled earlier","note":null,"quote":"Policy period means the period commencing from the effective date and time as shown in the Policy Schedule and terminating at Midnight on the expiry date as shown in the Policy Schedule or on the termination of or the cancellation of insurance as provided for in Clause G (III) of this Policy, whichever is earlier.","sources":[{"clause":null,"heading":"Premium","page":3,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/raheja-qbe-bharat-griha-raksha-irdan141rp0041v01202021/document/26919#c-premium"}],"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":"You must immediately give notice of the loss or damage as soon as physical loss or damage occurs due to an insured event. The claim form must be submitted at the earliest opportunity, but within 30 days from the date you first notice the loss or damage.","display":"Immediate notice; claim form within 30 days from first notice of loss or damage","note":null,"quote":"As soon as any physical loss or damage occurs to Your Home Building or Home Contents due to an Insured Event, You must immediately give notice to Us of the loss or damage. ... You must submit Your claim in Our claim form at the earliest opportunity, but within 30 days from the date You first notice the loss or damage.","sources":[{"clause":null,"heading":"1. Immediate notice to Us","page":15,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/raheja-qbe-bharat-griha-raksha-irdan141rp0041v01202021/document/26919#c-1-immediate-notice-to-us"},{"clause":"14(IV)(a)(i)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/raheja-qbe-bharat-griha-raksha-irdan141rp0041v01202021/document/26919#c-14-iv-a-i"}],"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":["claim form","photographs of loss or physical damage, wherever possible","plans, specification books, vouchers, invoices pertaining to costs incurred","authority to see the relevant records and get information from the police or any other authority","Death Certificate and Post Mortem report for Optional Cover of Personal Accident"],"display":"Claim form, photographs where possible, plans/specification books/vouchers/invoices for costs, authority for police/authority records, and death certificate/post mortem report for personal accident","note":null,"quote":"You must submit Your claim in Our claim form at the earliest opportunity, but within 30 days from the date You first notice the loss or damage. ... submit photographs of loss or physical damage, wherever possible. ... You must support Your claim for Home Building and/or Home Contents with plans, specification books, vouchers, invoices\npertaining | to | costs | incurred | by | You | for\nreconstruction/replacement/repairs. ... You must give Us authority to see the relevant records and get information about the Event and Your loss from the police or any other authority. ... For Optional Cover of Personal Accident, Death Certificate and Post Mortem report (wherever necessary) shall be submitted.","sources":[{"clause":"14(IV)(a)(i)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/raheja-qbe-bharat-griha-raksha-irdan141rp0041v01202021/document/26919#c-14-iv-a-i"},{"clause":null,"heading":"1. Immediate notice to Us","page":15,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/raheja-qbe-bharat-griha-raksha-irdan141rp0041v01202021/document/26919#c-1-immediate-notice-to-us"},{"clause":null,"heading":"5. Establish loss","page":17,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/raheja-qbe-bharat-griha-raksha-irdan141rp0041v01202021/document/26919#c-5-establish-loss"}],"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":["Your deliberate, wilful or intentional act or ommission","War, invasion, act of foreign enemy hostilities or war-like operations","Ionising radiation or contamination by radioactivity","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","Loss or damage to bullion or unset precious stones, manuscripts, plans, drawings, securities, obligations or documents of any kind, coins or paper money, cheques, vehicles, and explosive substances","Loss of any Insured Property which is missing or has been mislaid","Loss or damage to any Insured Property removed from Your Home to any other place","Loss of earnings, loss by delay, loss of market or other consequential or indirect loss or damage","Any reduction in market value of any Insured Property after its repair or reinstatement","Any addition, extension, or alteration to any structure of Your Home Building that increases its Carpet Area by more than 10%","Costs, fees or expenses for preparing any claim"],"display":"Deliberate acts, war, nuclear/radiation, electrical breakdown-type damage to the affected machine, bullion/documents/money/vehicles/explosives, missing or mislaid property, property removed from home, consequential loss, reduction in market value, large unendorsed additions, and claim preparation costs","note":null,"quote":"1. Your deliberate, wilful or intentional act or ommission, or of anyone on Your behalf, or with Your connivance.\n2. War, invasion, act of foreign enemy hostilities or war-like operations (whether war is declared or not), civil war, mutiny, civil commotion amounting to a popular rising, military rising, rebellion, revolution, insurrection or military or usurped power.\n3. Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from combustion of nuclear fuel, or the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component that is part of it. ... 5. 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). This exclusion applies only to the particular machine so lost, damaged or destroyed.\n6. Loss or damage to bullion or unset precious stones, manuscripts, plans, drawings, securities, obligations or documents of any kind, coins or paper money, cheques, vehicles, and explosive substances unless otherwise expressly stated in the policy.\n7. Loss of any Insured Property which is missing or has been mislaid, or its disappearance cannot be linked to any single identifiable event.\n8. Loss or damage to any Insured Property removed from Your Home to any other place.\n9. Loss of earnings, loss by delay, loss of market or other consequential or indirect loss or damage of any kind or description whatsoever.\n10. Any reduction in market value of any Insured Property after its repair or reinstatement.\n11. Any addition, extension, or alteration to any structure of Your Home Building that increases its Carpet Area by more than 10% of the Carpet Area existing at the Commencement Date or on the date of renewal of this Policy, unless You have paid additional premium and such addition, extension or alteration is added by Endorsement.\n12. Costs, fees or expenses for preparing any claim.","sources":[{"clause":"14(b)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/raheja-qbe-bharat-griha-raksha-irdan141rp0041v01202021/document/26919#c-14-b-9"},{"clause":"14(b)(ii)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/raheja-qbe-bharat-griha-raksha-irdan141rp0041v01202021/document/26919#c-14-b-ii-2"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First send the grievance in writing by post or email to the insurer's Grievance Redressal Officer, or call the toll-free helpline. If it is not resolved within 15 days or you are unhappy with the resolution, you can approach IRDAI's Grievance Redressal Cell before the Insurance Ombudsman.","display":"First to Raheja QBE Grievance Redressal Officer; if unresolved within 15 days or unhappy, approach IRDAI Grievance Redressal Cell","note":null,"quote":"You can send Your grievance in writing by post or email to Our Grievance Redressal Officer at the following address:\nThe Grievance Cell, Raheja QBE General Insurance Co. Ltd., Ground Floor, P&G Plaza, Cardinal Gracious Road, Chakala, Andheri East, Mumbai- 400099 or\nCall us 24*7 toll free helpline 1800-102-7723 or\nEmail us at complaintsofficer@rahejaqbe.com ... In case it is not resolved within 15 days or if You are unhappy with the resolution You can approach the Grievance Redressal Cell of the Consumer Affairs Department of IRDAI","sources":[{"clause":null,"heading":"1. Our Grievance Redressal Officer","page":20,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/raheja-qbe-bharat-griha-raksha-irdan141rp0041v01202021/document/26919#c-1-our-grievance-redressal-officer"},{"clause":null,"heading":"2. Consumer Affairs Department of IRDAI","page":20,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/raheja-qbe-bharat-griha-raksha-irdan141rp0041v01202021/document/26919#c-2-consumer-affairs-department-of-irdai"}],"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":["Fire","Explosion or Implosion","Lightning","Earthquake, volcanic eruption, or other convulsions of nature","Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Tsunami, Flood and Inundation","Subsidence of the land on which Your Home Building stands, Landslide, Rockslide","Bush fire, Forest fire, Jungle fire","Impact damage of any kind","Missile testing operations","Riot, Strikes, Malicious Damages","Acts of terrorism","Bursting or overflowing of water tanks, apparatus and pipes","Leakage from automatic sprinkler installations","Theft within 7 (seven )days from the occurrence of and proximately caused by any of the above Insured Events"],"display":"Fire; explosion or implosion; lightning; earthquake/volcanic eruption/convulsions of nature; storm/cyclone/typhoon/tempest/hurricane/tornado/tsunami/flood/inundation; subsidence/landslide/rockslide; bush/forest/jungle fire; impact damage; missile testing; riot/strikes/malicious damage; terrorism; bursting/overflowing water tanks, apparatus and pipes; sprinkler leakage; theft within 7 days of an insured event","note":null,"quote":"1. Fire | caused by burning of Insured\nProperty by order of any Public Authority.\n2. Explosion or Implosion | -\n3. Lightning | -\n4. Earthquake, volcanic eruption, or | -\nother convulsions of nature ... 5 Storm, Cyclone, Typhoon, Tempest,\nHurricane, Tornado, Tsunami, Flood and Inundation ... 6 Subsidence of the land on which caused by\nYour Home Building stands, ... Landslide, Rockslide ... 7. Bush fire, Forest fire, Jungle fire | - ... 8 Impact damage of any kind, i.e., caused by pressure waves caused\ndamage caused by impact of, or by aircraft or other aerial or space collision caused by any external devices travelling at sonic or physical object (e.g. vehicle, falling supersonic speeds.\ntrees, aircraft, wall etc.)\n9. Missile testing operations | - ... 10 Riot, Strikes, Malicious Damages caused by ... 11 Acts of terrorism | Exclusions and Excess as per\n(Coverage as per Terrorism Clause) Terrorism Clause. ... 12 Bursting or overflowing of water\ntanks, apparatus and pipes. | - ... 13 Leakage from automatic sprinkler ... installations. ... 14 Theft within 7 (seven )days from the if it is\noccurrence of and proximately ... caused by any of the above Insured | ... Events.","sources":[{"clause":null,"heading":"Clause B. Insured Events","page":4,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/raheja-qbe-bharat-griha-raksha-irdan141rp0041v01202021/document/26919#c-clause-b-insured-events"},{"clause":"5","heading":"Storm, Cyclone, Typhoon, Tempest,","page":4,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/raheja-qbe-bharat-griha-raksha-irdan141rp0041v01202021/document/26919#c-5"},{"clause":"6","heading":"Subsidence of the land on which caused by","page":5,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/raheja-qbe-bharat-griha-raksha-irdan141rp0041v01202021/document/26919#c-6"},{"clause":"8","heading":"Impact damage of any kind, i.e., caused by pressure waves caused","page":5,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/raheja-qbe-bharat-griha-raksha-irdan141rp0041v01202021/document/26919#c-8"},{"clause":"10","heading":"Riot, Strikes, Malicious Damages caused by","page":5,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/raheja-qbe-bharat-griha-raksha-irdan141rp0041v01202021/document/26919#c-10"},{"clause":"12","heading":"Bursting or overflowing of water","page":6,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/raheja-qbe-bharat-griha-raksha-irdan141rp0041v01202021/document/26919#c-12"},{"clause":"13","heading":"Leakage from automatic sprinkler a. repairs or alterations in Your","page":6,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/raheja-qbe-bharat-griha-raksha-irdan141rp0041v01202021/document/26919#c-13"},{"clause":"14","heading":"Theft within 7 (seven )days from the if it is","page":6,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/raheja-qbe-bharat-griha-raksha-irdan141rp0041v01202021/document/26919#c-14"}],"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 mentions excess for terrorism as per the Terrorism Clause, but the amount of excess for a claim is not stated.","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":"You can cancel at any time by written notice and the policy terminates when the insurer receives the notice. The insurer refunds or charges premium according to the cancellation table, retaining pro-rata premium for the elapsed period plus loading; for more than 11 months it charges annual premium, and for more than 1 year up to 10 years it charges proportionate premium for expired policy years after grossing up long-term discount allowed, if any.","display":"Written cancellation anytime; refund/charge as per table, generally pro-rata elapsed premium plus loading, annual premium after 11 months","note":null,"quote":"You can cancel this Policy at any time by giving Us notice in writing. The Policy will terminate when We receive Your notice. ... If You cancel the policy, We will refund/charge premium as follows:\nPeriod | Premium charged\nFor a period not exceeding | Up to 15 days | Pro-rata premium for 15 days + loading of 10%\n1 month | Pro-rata premium for 1 month + loading of 10%\n2 months | Pro-rata premium for 2 months +loading of 15%\n3 months | Pro-rata premium for 3 months + loading of 20%\n4 months | Pro-rata premium for 4 months + loading of 20%\n5 months | Pro-rata premium for 5 months + loading of 20%\n6 months | Pro-rata premium for 6 months + loading of 20%\n7 months | Pro-rata premium for 7 months + loading of 20%\n8 months | Pro-rata premium for 8 months + loading of 20%\n9 months | Pro-rata premium for 9 months + loading of 10%\n10 months | Pro-rata premium for 10 months + loading of 10%\n11 months | Pro-rata premium for 11 months + loading of 5%\nFor period exceeding | 11 months | Annual premium\nMore than 1 year | Proportionate premium for the expired policy years after grossing\nup to 10 years | Up long term discount allowed if any.","sources":[{"clause":"14(III)(a)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/raheja-qbe-bharat-griha-raksha-irdan141rp0041v01202021/document/26919#c-14-iii-a"},{"clause":"14(III)(b)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/raheja-qbe-bharat-griha-raksha-irdan141rp0041v01202021/document/26919#c-14-iii-b"}],"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 refers to the Policy Schedule for the description of insured property, but the geographic territory of cover is not stated in the provided policy wording.","quote":null,"sources":[],"law":[]},{"key":"building_cover","label":"Building cover","section":"Cover","meaning":"Cover for the structure and how its value is set.","status":"quote-verified","value":"The policy covers physical loss, damage or destruction of the Home Building because of insured events, including listed permanent fixtures, fittings and additional structures on the same site. The Home Building sum insured is the prevailing Cost of Construction at commencement, as declared by you and accepted by the insurer.","display":"Home Building covered for insured-event physical loss/damage/destruction; sum insured is prevailing Cost of Construction at commencement","note":null,"quote":"We cover physical loss or damage, or destruction of Your Home Building because of any Insured Event listed in Clause B of this Policy. ... Your Home Building includes\ni) fixtures and fittings permanently attached to the floor, walls or roof, like fixed sanitary fittings, electrical wiring and other permanent fittings.\nii) the following ‘additional structures’ if they are on the same site, and are used as part of Your Home Building: ... The Sum Insured for the Home Building Cover is the prevailing Cost of Construction of Your Home Building at the Commencement Date as declared by You and accepted by Us and will be the maximum amount payable in the event the Home Building is a Total Loss.","sources":[{"clause":null,"heading":"1. What We cover","page":6,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/raheja-qbe-bharat-griha-raksha-irdan141rp0041v01202021/document/26919#c-1-what-we-cover"},{"clause":"14(b)","heading":"Your Home Building","page":7,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/raheja-qbe-bharat-griha-raksha-irdan141rp0041v01202021/document/26919#c-14-b"},{"clause":"14(a)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/raheja-qbe-bharat-griha-raksha-irdan141rp0041v01202021/document/26919#c-14-a-4"}],"law":[]},{"key":"contents_cover","label":"Contents cover","section":"Cover","meaning":"Cover for household goods, jewellery and valuables, and limits.","status":"quote-verified","value":"The policy covers physical loss, damage or destruction of General Contents caused by an insured event. Valuable Contents are not covered unless optional cover is purchased; where both building and contents cover are opted, there is built-in General Contents cover equal to 20% of the Home Building sum insured subject to a maximum of ₹ 10 Lakh, and higher contents sum insured needs declaration and additional premium.","display":"General Contents covered; built-in 20% of Home Building sum insured up to ₹ 10 Lakh if both covers opted; Valuable Contents only if optional cover bought","note":null,"quote":"We cover the physical loss or damage to or destruction of the General Contents of Your Home caused by an Insured Event as listed in Clause B of this Policy. Valuable Contents of Your Home are not covered under this Policy unless You have purchased the optional cover for the Valuable Contents. ... The policy has a built-in cover for the General Contents of Your home equal to 20% of the Sum Insured for Home Building Cover subject to a maximum of ₹ 10 Lakh (Rupees Ten Lakh) provided You have opted for both Home Building and Home Contents cover. If You choose to have a higher Sum Insured for Home Contents, You have to declare the Sum Insured in the Proposal Form and pay additional premium.","sources":[{"clause":null,"heading":"Clause D: Home Contents Cover","page":9,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/raheja-qbe-bharat-griha-raksha-irdan141rp0041v01202021/document/26919#c-clause-d-home-contents-cover"},{"clause":"14(b)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/raheja-qbe-bharat-griha-raksha-irdan141rp0041v01202021/document/26919#c-14-b-7"}],"law":[]},{"key":"burglary","label":"Burglary and theft","section":"Cover","meaning":"Whether burglary is covered.","status":"quote-verified","value":"The policy covers theft only when it occurs within 7 days from, and is proximately caused by, one of the insured events. It does not state a general burglary cover.","display":"Theft within 7 days of an insured event is covered; no general burglary cover stated","note":null,"quote":"14 Theft within 7 (seven )days from the if it is\noccurrence of and proximately a. of any article or thing outside\ncaused by any of the above Insured | Your Home, or\nEvents. | b. of any article or thing attached\nfrom the outside of the outer walls or the roof of Your Home, unless securely mounted.","sources":[{"clause":"14","heading":"Theft within 7 (seven )days from the if it is","page":6,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/raheja-qbe-bharat-griha-raksha-irdan141rp0041v01202021/document/26919#c-14"}],"law":[]},{"key":"rent_loss","label":"Rent and alternative accommodation","section":"Cover","meaning":"Cover for rent lost or a temporary home after damage.","status":"quote-verified","value":"The policy pays loss of rent or alternative rent while the Home Building is not fit for living because of physical loss from an insured event. The alternative accommodation must not be superior and must be in the same city, the maximum period is three years from the date the Home Building becomes unfit for living, and loss of rent is accepted only if the Home Building physical damage claim is accepted.","display":"Loss of rent or alternative accommodation after insured damage, up to three years, same city and not superior","note":null,"quote":"Further, We pay for Loss of rent and Rent for Alternative Accommodation, which will be paid to the extent declared by You and agreed by Us as specified under Clause C (6) of this Policy while Your Home Building is not fit for living following loss or damage due to an insured event. ... We will pay the loss under this cover for an accommodation that is not superior to Your Home Building in any way and in the same city as Your Home Building. ... The maximum period of this cover is three years from the date Your Home Building becomes unfit for living. ... Claim for loss of rent will be accepted only if We have accepted Your claim for loss for physical damage to Your Home under the Home Building Cover.","sources":[{"clause":null,"heading":"1. What We cover","page":6,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/raheja-qbe-bharat-griha-raksha-irdan141rp0041v01202021/document/26919#c-1-what-we-cover"},{"clause":"14(b)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/raheja-qbe-bharat-griha-raksha-irdan141rp0041v01202021/document/26919#c-14-b-6"},{"clause":"14(d)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/raheja-qbe-bharat-griha-raksha-irdan141rp0041v01202021/document/26919#c-14-d-4"},{"clause":"14(e)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/raheja-qbe-bharat-griha-raksha-irdan141rp0041v01202021/document/26919#c-14-e-3"}],"law":[]},{"key":"sum_insured_basis","label":"Sum insured basis","section":"Cover","meaning":"How the cover amount is set: market value, reinstatement value, agreed value, IDV.","status":"quote-verified","value":"For Home Building, the sum insured is based on the prevailing Cost of Construction at the commencement date. For General Contents, the sum insured chosen must be enough to cover replacement cost, and optional Valuable Contents may be insured on an agreed value basis supported by a valuation certificate unless waived within the stated limits.","display":"Building: Cost of Construction at commencement; General Contents: replacement cost; Valuable Contents optional on agreed value basis","note":"The valuation certificate requirement for Valuable Contents is waived if the sum insured opted for is up to ₹ 5 Lakh and individual item value does not exceed ₹ 1 Lakh.","quote":"The Sum Insured for the Home Building Cover is the prevailing Cost of Construction of Your Home Building at the Commencement Date as declared by You and accepted by Us and will be the maximum amount payable in the event the Home Building is a Total Loss. ... The Sum Insured You have chosen for General Contents must be enough to cover the cost of replacement of the General Contents. ... Cover for Valuable Contents on Agreed Value Basis (under Home Contents cover):\nFor Valuable Contents, a value may be agreed upon by You and Us based on a valuation certificate submitted by You and accepted by Us.","sources":[{"clause":"14(a)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/raheja-qbe-bharat-griha-raksha-irdan141rp0041v01202021/document/26919#c-14-a-4"},{"clause":"14(d)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/raheja-qbe-bharat-griha-raksha-irdan141rp0041v01202021/document/26919#c-14-d-5"},{"clause":"14(a)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/raheja-qbe-bharat-griha-raksha-irdan141rp0041v01202021/document/26919#c-14-a-9"}],"law":[]},{"key":"under_insurance","label":"Under-insurance (average) clause","section":"Limits and co-pay","meaning":"If the sum insured is less than the real value, claims are cut in proportion.","status":"quote-verified","value":"Underinsurance does not apply. If the sum insured calculated from the information you provided is less than the actual value at risk, the difference will not affect the amount paid.","display":"Underinsurance does not apply","note":null,"quote":"Underinsurance does not apply to the Bharat Griha Raksha Policy. Thus, if Your Sum Insured calculated on the basis of the information that You provided, is less than the actual value at risk, the difference will not affect the amount We pay.","sources":[{"clause":null,"heading":"Clause I. Waiver of Underinsurance","page":19,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/raheja-qbe-bharat-griha-raksha-irdan141rp0041v01202021/document/26919#c-clause-i-waiver-of-underinsurance"}],"law":[]}],"documents":[{"kind":"wording","label":"Raheja QBE Bharat Griha Raksha (IRDAI copy)","pages":25,"fetched_at":"2026-10-20 00:50:50+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN141RP0041V02202021.pdf/3359e92e-7f95-0431-0f0a-f6227723ff4e?version=1.0&t=1677136361508&download=true","url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/raheja-qbe-bharat-griha-raksha-irdan141rp0041v01202021/document/24842"},{"kind":"wording","label":"Raheja QBE Bharat Griha Raksha (IRDAI copy)","pages":24,"fetched_at":"2026-10-20 01:39:04+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN141RP0041V01202021_GEN4170.pdf/cae3cca4-8a7a-2742-d1f9-f247c412bd6c?version=1.1&t=1668601328723&download=true","url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/raheja-qbe-bharat-griha-raksha-irdan141rp0041v01202021/document/26919"}],"versions":[{"uin":"IRDAN141RP0041V02202021","version":null,"approved_on":null},{"uin":"IRDAN141RP0041V01202021","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":"Raheja QBE Bharat Griha Raksha (UIN IRDAN141RP0041V01202021), IndiaInsurances, https://indiainsurances.com/policy/raheja-qbe-general-insurance/raheja-qbe-bharat-griha-raksha-irdan141rp0041v01202021"}