{"uin":"IRDAN144RP0001V01202021","name":"Gramin Samriddha Bima","url":"https://indiainsurances.com/policy/sbi-general-insurance/gramin-samriddha-bima-irdan144rp0001v01202021","insurer":{"slug":"sbi-general-insurance","name":"SBI General Insurance Company Limited","url":"https://indiainsurances.com/insurer/sbi-general-insurance"},"line":"general","category":"other-general","category_name":"Other general insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Gramin Samriddhi Bima is a package general insurance policy for farm-related property and risks including building, contents, agricultural items, animal driven cart, personal accident, television, agricultural tractor or power tiller or harvester, pump set and pedal cycle. The sales brochure states a 1 Year policy tenure, and the wording requires claim intimation immediately after loss.","analysis":{"state":"machine","analysed_at":"2026-10-20 05:43:26.321586+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 plan variants are stated; the documents describe cover sections instead.","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":"1 Year policy tenure.","display":"1 Year","note":"From the sales brochure; the wording defines Policy Period only as the dates shown in the Schedule.","quote":"1 Year\nPolicy Tenure","sources":[{"clause":null,"heading":"What Are The Tenure Plan Options Available Under This Policy?","page":6,"url":"https://indiainsurances.com/policy/sbi-general-insurance/gramin-samriddha-bima-irdan144rp0001v01202021/document/14978#c-what-are-the-tenure-plan-options-available-under"}],"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":"Give written notice with full particulars to the Company immediately. In case of death, written notice must be given before internment / cremation unless reasonable cause is shown, and in any case within one calendar month after the death.","display":"Immediately; for death, before internment / cremation and within one calendar month","note":null,"quote":"Give written notice with full particulars to the Company immediately. In case of death, written notice of the death must, unless reasonable cause is shown, be so given before internment / cremation, and in any case, within one calendar month after the death","sources":[{"clause":"7(a)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/sbi-general-insurance/gramin-samriddha-bima-irdan144rp0001v01202021/document/26973#c-7-a"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Duly completed Claim form","Fire Brigade Report ( in case of loss or damage by Fire)","First Information report & Non-traceable certificate ( incase of theft and burglary)","Meteorological report ( incase of loss or damage by Flood, Storm etc)","Estimate for repairs/replacement","Invoice/ Bills/Receipts","F.R. where ever applicable.","Any other documents as required by the insurer"],"display":"Claim form, Fire Brigade Report, FIR and non-traceable certificate, meteorological report, repair/replacement estimate, invoices/bills/receipts, F.R. wherever applicable, and any other documents required by the insurer","note":"The wording says these are indicative documents.","quote":"The documents required to be submitted in the event of a claim are :\n1) Duly completed Claim form\n2) Fire Brigade Report ( in case of loss or damage by Fire)\n3) First Information report & Non-traceable certificate ( incase of theft and burglary)\n4) Meteorological report ( incase of loss or damage by Flood, Storm etc)\n5) Estimate for repairs/replacement\n6) Invoice/ Bills/Receipts\n7) F.R. where ever applicable.\n8) Any other documents as required by the insurer","sources":[{"clause":null,"heading":"Claim Intimation","page":29,"url":"https://indiainsurances.com/policy/sbi-general-insurance/gramin-samriddha-bima-irdan144rp0001v01202021/document/26973#c-claim-intimation"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact SBI General through Level 1 channels such as toll-free numbers, customer.care@sbigeneral.in, website, branch/corporate office or fax. If not resolved, write to head.customercare@sbigeneral.in, then appeal to the Chairman of the Grievance Redressal Committee or write to Head – Compliance, Legal & CS at gro@sbigeneral.in before approaching IRDA or the Insurance Ombudsman.","display":"Level 1: SBI General customer care; Level 2: head.customercare@sbigeneral.in; Level 3: Grievance Redressal Committee / gro@sbigeneral.in; then IRDA or Insurance Ombudsman","note":null,"quote":"If You/Insured Person may have a grievance that requires to be redressed, You/Insured Person may contact Us with the details of the grievance through: ... Call us on our Toll Free for any queries that you may have @ 1800221111, 18001021111 Email your queries to customer. care@sbigeneral.in ... If you still are not happy about the resolution provided then you may please write to our head.customercare@sbigeneral.in ... you may send your ‘Appeal’ addressed to the Chairman of the Grievance Redressal Committee. ... You can write to Head – Compliance, Legal & CS on the id - gro@sbigeneral.in ... If You/ Insured Person are not satisfied with Our redressal of grievance through one of the above methods, You/ Insured Person may approach the nearest Insurance Ombudsman","sources":[{"clause":null,"heading":"Claim Intimation","page":29,"url":"https://indiainsurances.com/policy/sbi-general-insurance/gramin-samriddha-bima-irdan144rp0001v01202021/document/26973#c-claim-intimation"},{"clause":null,"heading":"Level 1","page":29,"url":"https://indiainsurances.com/policy/sbi-general-insurance/gramin-samriddha-bima-irdan144rp0001v01202021/document/26973#c-level-1"},{"clause":null,"heading":"Level 2","page":29,"url":"https://indiainsurances.com/policy/sbi-general-insurance/gramin-samriddha-bima-irdan144rp0001v01202021/document/26973#c-level-2"},{"clause":null,"heading":"Level 3","page":30,"url":"https://indiainsurances.com/policy/sbi-general-insurance/gramin-samriddha-bima-irdan144rp0001v01202021/document/26973#c-level-3"},{"clause":null,"heading":"Level 4","page":30,"url":"https://indiainsurances.com/policy/sbi-general-insurance/gramin-samriddha-bima-irdan144rp0001v01202021/document/26973#c-level-4"}],"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":["STANDARD FIRE AND SPECIAL PERILS INSURANCE-BUILDING, CONTENTS AND AGRICULTURAL ITEMS","BURGLARY AND HOUSE BREAKING AND THEFT- CONTENTS, AND AGRICULTURAL ITEMS","ANIMAL DRIVEN CART","PERSONAL ACCIDENT [ACCIDENTAL DEATH COVER FOR INSURED AND FAMILY]","TELEVISION AND SET TOP BOX","AGRICULTURAL TRACTORS/POWER TILLERS/HARVESTERS","AGRICULTURAL PUMP SET","PEDAL CYCLE"],"display":"Standard Fire and Special Perils; Burglary and House Breaking and Theft; Animal Driven Cart; Personal Accident accidental death; Television and Set Top Box; Agricultural Tractors/Power Tillers/Harvesters; Agricultural Pump Set; Pedal Cycle","note":"The product is structured as a package of sections; each section has its own covered events and exclusions.","quote":"Section.1: Standard Fire and Special perils Insurance-Building, Contents and Agricultural Items ... Section 2. Burglary and House Breaking and Theft- Contents, and Agricultural Items ... Section 3: Animal Driven Cart ... Section 4 – Personal Accident [Accidental Death only for family] ... Section 5 – Television and Set Top Box ... Section 6 - Agricultural Tractors/Power Tillers/Harvesters ... Section 7: Agricultural Pump Set ... Section 8: Pedal Cycle","sources":[{"clause":null,"heading":"Table of Contents","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/gramin-samriddha-bima-irdan144rp0001v01202021/document/26973#c-table-of-contents"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"quote-verified","value":"Printed deductibles vary by section: Section I has the first 5% of each Act of God peril claim subject to a minimum of Rs. 1,500 and the first Rs. 1,000 for other perils; Section III has the first Rs. 1,000 for each loss except total loss and Third-Party Liability; Section V has 5% of the Sum Insured subject to a minimum of Rs. 2500; Section VII has 5% of Sum Insured subject to a minimum of Rs.2500.","display":"Varies by section: Section I 5% min Rs. 1,500 for Act of God perils and Rs. 1,000 for other perils; Section III Rs. 1,000 except total loss and Third-Party Liability; Section V 5% of SI min Rs. 2500; Section VII 5% of SI min Rs.2500","note":"Section VI vehicle deductible is not quantified in the wording: “deductible stated in the schedule”; the schedule was not provided.","quote":"The first 5% of each claim subject to a minimum of Rs. 1,500/- in respect of each loss arising out of “Act of God perils” ... The first Rs. 1,000/- for each loss arising out of other perils ... The first Rs. 1,000 in respect of each and every loss except total loss and Third-Party Liability ... Losses falling under the deductible limit of 5% of the Sum Insured subject to minimum of Rs. 2500/- ... Deductible: 5%of Sum Insured subject to minimum of Rs.2500/-","sources":[{"clause":null,"heading":"SPECIAL EXCLUSIONS APPLICABLE TO SECTION I","page":6,"url":"https://indiainsurances.com/policy/sbi-general-insurance/gramin-samriddha-bima-irdan144rp0001v01202021/document/26973#c-special-exclusions-applicable-to-section-i"},{"clause":"Section III(I)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/sbi-general-insurance/gramin-samriddha-bima-irdan144rp0001v01202021/document/26973#c-section-iii-i"},{"clause":null,"heading":"SPECIAL EXCLUSIONS APPLICABLE TO SECTION V","page":13,"url":"https://indiainsurances.com/policy/sbi-general-insurance/gramin-samriddha-bima-irdan144rp0001v01202021/document/26973#c-special-exclusions-applicable-to-section-v"},{"clause":"2","heading":null,"page":24,"url":"https://indiainsurances.com/policy/sbi-general-insurance/gramin-samriddha-bima-irdan144rp0001v01202021/document/26973#c-2-2"}],"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":"For cancellation by the insured, the insured may give 15 days notice in writing and the Company retains premium by duration: up to one month 25% of annual rate, up to three months 50%of annual rate, up to six months 75% of annual rate, and exceeding six months 100% of annual rate.","display":"15 days' notice; retention: up to one month 25%, up to three months 50%, up to six months 75%, exceeding six months 100%","note":"Section VI contains a special vehicle cancellation condition using seven days’ notice and short-period rates if no claim has arisen during the policy currency.","quote":"The Insured may also give 15 days notice in writing, to the Company, for the cancellation of this Policy, in which case the Company shall from the date of receipt of notice cancel the Policy and retain relevant premium as per the scale given below.\nPeriod of Insurance | % of Annual Premium Retention\nUp to one month | 25% of annual rate\nUp to three months | 50%of annual rate\nUp to six months | 75% of annual rate\nExceeding six months | 100% of annual rate ... the policy may be cancelled at any time by the insured on seven days’ notice by recorded delivery and provided no claim has arisen during the currency of the policy, the insured shall be entitled to a return of premium less premium at the Company’s Short Period rates","sources":[{"clause":"5","heading":"Observance of conditions","page":25,"url":"https://indiainsurances.com/policy/sbi-general-insurance/gramin-samriddha-bima-irdan144rp0001v01202021/document/26973#c-5-2"},{"clause":"3(b)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/sbi-general-insurance/gramin-samriddha-bima-irdan144rp0001v01202021/document/26973#c-3-b-3"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"not-stated","value":null,"display":null,"note":"The wording refers to the geographical area specified in the Schedule for at least Section VI, but the Schedule is not provided and the product-wide territory is not printed.","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 a rural package of building, contents and agricultural items, contents and agricultural items against burglary/house-breaking/theft, animal driven cart, accidental death for family, television and set top box, agricultural tractors/power tillers/harvesters, agricultural pump set and pedal cycle.","display":"Building, contents and agricultural items; animal driven cart; accidental death for family; television and set top box; agricultural tractors/power tillers/harvesters; agricultural pump set; pedal cycle","note":null,"quote":"Section.1: Standard Fire and Special perils Insurance-Building, Contents and Agricultural Items ... Section 2. Burglary and House Breaking and Theft- Contents, and Agricultural Items ... Section 3: Animal Driven Cart ... Section 4 – Personal Accident [Accidental Death only for family] ... Section 5 – Television and Set Top Box ... Section 6 - Agricultural Tractors/Power Tillers/Harvesters ... Section 7: Agricultural Pump Set ... Section 8: Pedal Cycle","sources":[{"clause":null,"heading":"Table of Contents","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/gramin-samriddha-bima-irdan144rp0001v01202021/document/26973#c-table-of-contents"}],"law":[]}],"documents":[{"kind":"wording","label":"Gramin Samriddhi Bima (IRDAI copy)","pages":33,"fetched_at":"2026-10-20 01:39:56+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN144RP0001V01202021_GEN4216.pdf/654d8960-618a-47bb-21a7-89a8b6747ef6?version=1.1&t=1668752632451&download=true","url":"https://indiainsurances.com/policy/sbi-general-insurance/gramin-samriddha-bima-irdan144rp0001v01202021/document/26973"},{"kind":"brochure","label":"Gramin Samriddha Bima Brochure","pages":10,"fetched_at":"2026-10-17 19:59:56+00","source_url":"https://content.sbigeneral.in/uploads/81dfd463d2f24aca888e38e6f242b287.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/gramin-samriddha-bima-irdan144rp0001v01202021/document/14978"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"SBI General Insurance official website","url":"https://www.sbigeneral.in/","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":"Health claims","url":"https://www.sbigeneral.in/claim/health","note":null},{"purpose":"claim","kind":"insurer","name":"Home claims","url":"https://www.sbigeneral.in/claim/home","note":null},{"purpose":"claim","kind":"insurer","name":"Motor claims","url":"https://www.sbigeneral.in/claim/motor","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://www.sbigeneral.in/grievance-redressal","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"renew","kind":"insurer","name":"Policy renewal","url":"https://www.sbigeneral.in/policy-renewal","note":null}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Gramin Samriddha Bima (UIN IRDAN144RP0001V01202021), IndiaInsurances, https://indiainsurances.com/policy/sbi-general-insurance/gramin-samriddha-bima-irdan144rp0001v01202021"}