{"uin":"IRDAN144RP0014V01202223","name":"Griha Raksha Plus","url":"https://indiainsurances.com/policy/sbi-general-insurance/griha-raksha-plus-irdan144rp0014v01202223","insurer":{"slug":"sbi-general-insurance","name":"SBI General Insurance Company Limited","url":"https://indiainsurances.com/insurer/sbi-general-insurance"},"line":"general","category":"home","category_name":"Home insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Griha Raksha Plus is a home insurance policy for Home Building and Home Contents against insured events such as fire, explosion, lightning, earthquake, storm, flood, impact damage, riot and theft within 7 days. The policy can run up to 20 years and underinsurance does not apply.","analysis":{"state":"machine","analysed_at":"2026-10-20 05:43:25.259467+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":"The documents describe Home Building Cover, Home Contents Cover and optional covers, but do not name plan variants.","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":"You can buy the policy for one year or more than one year, but the policy duration cannot exceed 20 years.","display":"One year or more, up to 20 years","note":null,"quote":"The cover protects You during the period of the policy. You can buy the policy for one year or more than one year but the policy duration cannot exceed 20 years.","sources":[{"clause":null,"heading":"How long does this cover protect me?","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/griha-raksha-plus-irdan144rp0014v01202223/document/15240#c-how-long-does-this-cover-protect-me"}],"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 physical loss or damage. 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 noticing 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 Ĥrst notice the loss or damage.","sources":[{"clause":null,"heading":"1. Immediate notice to Us","page":8,"url":"https://indiainsurances.com/policy/sbi-general-insurance/griha-raksha-plus-irdan144rp0014v01202223/document/14986#c-1-immediate-notice-to-us"},{"clause":"14(IV)(a)(i)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/sbi-general-insurance/griha-raksha-plus-irdan144rp0014v01202223/document/14986#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":["Policy Number","Your name","details of report to the police that You made","details of report to any Authority that You made","details of the Insured Event","a brief statement of the loss","particulars of any other insurance of Your Home Building or any of Your Home Contents","details of loss or damage under any Optional Cover or Add-ons","photographs of loss or physical damage, wherever possible","claim form","plans, speciĤcation books, vouchers, invoices","Death CertiĤcate and Post-mortem report (wherever necessary)"],"display":"Claim form, policy and loss details, police/authority report details, photographs where possible, repair/reconstruction invoices and vouchers, and PA death documents where applicable","note":null,"quote":"You must state in this notice i) the Policy Number, ii) Your name, iii) details of report to the police that You made, iv) details of report to any Authority that You made, v) details of the Insured Event, vi) a brief statement of the loss, vii) particulars of any other insurance of Your Home Building or any of Your Home Contents, viii) details of loss or damage under any Optional Cover or Add-ons, ix) Submit photographs of loss or physical damage, wherever possible. ... You must submit Your claim in Our claim form at the earliest opportunity, but within 30 days from the date You Ĥrst notice the loss or damage. ... You must support Your claim for Home Building and/or Home Contents with plans, speciĤcation books, vouchers, invoices pertaining to costs incurred by You for reconstruction/ replacement/ repairs. ... For Optional Cover of Personal Accident, Death CertiĤcate and Post-mortem report (wherever necessary) shall be submitted.","sources":[{"clause":null,"heading":"1. Immediate notice to Us","page":8,"url":"https://indiainsurances.com/policy/sbi-general-insurance/griha-raksha-plus-irdan144rp0014v01202223/document/14986#c-1-immediate-notice-to-us"},{"clause":"14(IV)(a)(i)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/sbi-general-insurance/griha-raksha-plus-irdan144rp0014v01202223/document/14986#c-14-iv-a-i"},{"clause":null,"heading":"5. Establish loss","page":9,"url":"https://indiainsurances.com/policy/sbi-general-insurance/griha-raksha-plus-irdan144rp0014v01202223/document/14986#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":"quote-verified","value":"The Company will settle the claim within 7 days from receipt of the final survey report. If the surveyor report is not received within 15 days from allocation, the claim shall be settled within 22 days, but this timeline is not applicable for building/property policies on reinstatement basis.","display":"7 days from receipt of final survey report; 22 days if surveyor report not received within 15 days from allocation","note":null,"quote":"Turn Around Time (TAT) for Claim Settlement: The Company will settle the claim within a period of 7 days from the receipt of the final survey report, as the case may be. Where the Company has failed to receive the report of surveyor within the stipulated time (15 days from allocation), in such case, the claim shall be settled within 22 days in compliance with section 64UM of Insurance Act, 1938. (This timeline is not applicable for policies issued on (building/property) on reinstatement basis)","sources":[{"clause":"13","heading":"In case of building under construction, any loss to the","page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/griha-raksha-plus-irdan144rp0014v01202223/document/15236#c-13"}],"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 omission","War, invasion, act of foreign enemy hostilities or war-like operations","Ionising radiation or contamination by radioactivity","Pollution or contamination, unless linked to an Insured Event","Loss, damage or destruction to any electrical/electronic machine 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, coins or paper money, cheques, vehicles, and explosive substances unless otherwise expressly stated","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 Your Home Building increasing Carpet Area by more than 10% unless endorsed","Costs, fees, or expenses for preparing any claim","Building under construction material or apparatus lying near building and not part of the erected structure"],"display":"Main exclusions include intentional acts, war, nuclear/radiation, pollution unless linked to an insured event, electrical self-damage, specified valuables/documents/cash/vehicles/explosives, missing property, property removed from home, consequential loss, reduced market value, unendorsed >10% building alteration, claim-preparation costs and certain construction materials.","note":null,"quote":"We do not cover losses and expenses for any loss or damage or destruction of the Insured Property that is directly or indirectly as a result of or is caused by or arising from events, stated below: 1. Your deliberate, wilful or intentional act or omission, or of anyone on Your behalf, or with Your connivance. 2. 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. 3. 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. 4. Pollution or contamination, unless ... i) the pollution or contamination itself has resulted from an Insured Event, or ... ii) an Insured Event itself results from pollution or contamination. 5. Loss, damage or destruction to any electrical/electronic machine, apparatus, Ĥxture, or Ĥtting 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. 6. 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. 7. Loss of any Insured Property which is missing or has been mislaid, or its disappearance cannot be linked to any single identiĤable event. 8. Loss or damage to any Insured Property removed from Your Home to any other place. 9. Loss of earnings, loss by delay, loss of market or other consequential or indirect loss or damage of any kind or description whatsoever. 10. Any reduction in market value of any Insured Property after its repair or reinstatement. 11. 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. 12. Costs, fees, or expenses for preparing any claim. 13. In case of building under construction, any loss to the construction material or apparatus lying near building and has not become part of the erected structure stands excluded.","sources":[{"clause":null,"heading":"Clause F. Exclusions (What We do not cover) for all","page":7,"url":"https://indiainsurances.com/policy/sbi-general-insurance/griha-raksha-plus-irdan144rp0014v01202223/document/14986#c-clause-f-exclusions-what-we-do-not-cover-for-all"},{"clause":"14(d)(i)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/sbi-general-insurance/griha-raksha-plus-irdan144rp0014v01202223/document/14986#c-14-d-i"},{"clause":"14(d)(ii)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/sbi-general-insurance/griha-raksha-plus-irdan144rp0014v01202223/document/14986#c-14-d-ii"}],"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":"If registering directly with the insurer, write to head.customercare@sbigeneral.in or gro@sbigeneral.in or call 1800 102 1111. The insurer says final response will be conveyed within 14 days, and dissatisfied customers may then escalate to the Insurance Ombudsman.","display":"Write to head.customercare@sbigeneral.in or gro@sbigeneral.in, or call 1800 102 1111 before Ombudsman","note":"Another wording version lists Bima Bharosa first, then Head – Customer Care and GRO before Ombudsman.","quote":"If you wish to register your grievances directly with us, you may write to us at head.customercare@sbigeneral.in or gro@sbigeneral.in or call our toll free number- 1800 102 1111. After examining the matter, Ĥnal response would be conveyed within a period of 14 days from the date of receipt of your complaint. ... If you feel that the response to your Grievance was unsatisfactory, or if you believe your concerns have not been adequately addressed by the company, you may escalate the matter to the Insurance Ombudsman.","sources":[{"clause":null,"heading":"Clause K. Grievances","page":10,"url":"https://indiainsurances.com/policy/sbi-general-insurance/griha-raksha-plus-irdan144rp0014v01202223/document/15244#c-clause-k-grievances"},{"clause":null,"heading":"Stage 2: Escalation to Insurance Ombudsman","page":10,"url":"https://indiainsurances.com/policy/sbi-general-insurance/griha-raksha-plus-irdan144rp0014v01202223/document/15244#c-stage-2-escalation-to-insurance-ombudsman"}],"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 Ĥre, Forest Ĥre, Jungle Ĥre","Impact damage of any kind","Missile testing operations","Riot, Strikes, Malicious Damages","Bursting or overĥowing 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 and other convulsions of nature; storm/cyclone/typhoon/tempest/hurricane/tornado/tsunami/flood/inundation; subsidence/landslide/rockslide; bush/forest/jungle fire; impact damage; missile testing; riot/strike/malicious damage; bursting or overflowing water tanks/apparatus/pipes; sprinkler leakage; theft within 7 days caused by these events","note":"Some insured events have specific exclusions in Column B of Clause B.","quote":"1. | Fire | caused by burning of Insured Property by order of any Public Authority. ... 2. | Explosion or Implosion | - 13. | Theft within 7 (seven)days from the occurrence of and proximately caused by any of the above Insured Events. ... 3. | Lightning | - ... 4. | Earthquake, volcanic eruption, or other convulsions of nature | - 5. | Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Tsunami, Flood and Inundation | - ... 6. | Subsidence of the land on which Your Home Building stands, Landslide, Rockslide | ... 7. | Bush Ĥre, Forest Ĥre, Jungle Ĥre | - ... 8. | Impact damage of any kind, i.e., damage caused by impact of, or collision caused by any external physical object e.g. vehicle (including own), falling trees, aircraft, wall etc. | ... 9. | Missile testing operations | - ... 10. | Riot, Strikes, Malicious Damages | ... 11. | Bursting or overĥowing of water tanks, apparatus and pipes. | - ... 12. | Leakage from automatic sprinkler installations.","sources":[{"clause":"Row 1","heading":"Fire","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/griha-raksha-plus-irdan144rp0014v01202223/document/14986#c-row-1"},{"clause":"Row 2","heading":"Explosion or Implosion","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/griha-raksha-plus-irdan144rp0014v01202223/document/14986#c-row-2"},{"clause":"Row 3","heading":"Lightning","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/griha-raksha-plus-irdan144rp0014v01202223/document/14986#c-row-3"},{"clause":"Row 4","heading":"Earthquake, volcanic eruption, or other convulsions of nature","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/griha-raksha-plus-irdan144rp0014v01202223/document/14986#c-row-4"},{"clause":null,"heading":"Clause B. Insured Events","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/griha-raksha-plus-irdan144rp0014v01202223/document/14986#c-clause-b-insured-events-2"},{"clause":null,"heading":"2. Your Home Building","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/griha-raksha-plus-irdan144rp0014v01202223/document/14986#c-2-your-home-building"},{"clause":"Row 4(b)(ii)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/griha-raksha-plus-irdan144rp0014v01202223/document/14986#c-row-4-b-ii"},{"clause":null,"heading":"Clause B. Insured Events","page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/griha-raksha-plus-irdan144rp0014v01202223/document/14986#c-clause-b-insured-events"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"quote-verified","value":"There is no deductible under the policy except deductible applicable to Terrorism as per pool. For the optional Accidental Damage Cover – General Contents, the deductible is 5% of claim amount subject to minimum of Rs.5,000/-.","display":"No deductible under the policy except Terrorism as per pool; Accidental Damage Cover – General Contents: 5% of claim amount subject to minimum Rs.5,000/-","note":"The stated 5% / Rs.5,000 deductible is for the optional Accidental Damage Cover – General Contents.","quote":"There is no deductible under the policy except deductible applicable to Terrorism as per pool and • For Accidental Damage Cover – General Contents – Deductible: 5% of claim amount subject to minimum of Rs.5,000/-","sources":[{"clause":"Row 5","heading":"Sum Insured Optional Cover Details","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/griha-raksha-plus-irdan144rp0014v01202223/document/15236#c-row-5-4"}],"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 the policy at any time by written notice. If the term is up to one year and no claim has been made, the insurer refunds proportionate premium for the unexpired period; for policies over one year, it refunds premium for unexpired policy years whose risk coverage has not commenced.","display":"Proportionate refund for unexpired period if term up to one year and no claim; for terms over one year, refund for unexpired policy years not yet at risk","note":null,"quote":"You can cancel this Policy at any time during the policy period by giving Us notice in writing, in such case, We shall ... refund the proportion premium for unexpired policy period, if the period/term of the policy is up to one year and there is no claim(s) made during the policy period. ... refund premium for the unexpired policy period, in respect of policies with the policy period/term more than one year and the risk coverage for such policy years has not commenced.","sources":[{"clause":"14(III)(a)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/sbi-general-insurance/griha-raksha-plus-irdan144rp0014v01202223/document/14986#c-14-iii-a"},{"clause":"14(III)(a)(i)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/sbi-general-insurance/griha-raksha-plus-irdan144rp0014v01202223/document/14986#c-14-iii-a-i"},{"clause":"14(III)(a)(ii)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/sbi-general-insurance/griha-raksha-plus-irdan144rp0014v01202223/document/14986#c-14-iii-a-ii"}],"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 base policy covers the insured home/property in the Policy Schedule, but the documents do not state a geographic territory such as India-only or worldwide.","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 Home Building Cover pays for physical loss, damage or destruction of the Home Building caused by an insured event. The building includes the residential unit, fixtures and fittings, and listed additional structures on the same site; the Home Building sum insured is the prevailing Cost of Construction at commencement as declared by the insured and accepted by the insurer.","display":"Covers physical loss/damage/destruction of Home Building due to insured events; includes fixtures/fittings and additional structures; sum insured is prevailing Cost of Construction","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 i) Ĥxtures and Ĥttings permanently attached to the ĥoor, walls or roof, like Ĥxed sanitary Ĥttings, electrical wiring and other permanent Ĥttings. ii) the following ‘additional structures’ if they are on the same site, and are used as part of Your Home Building: a) garage, domestic out-houses used for residence, parking spaces or areas, if any ... 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":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/griha-raksha-plus-irdan144rp0014v01202223/document/14986#c-1-what-we-cover"},{"clause":null,"heading":"2. Your Home Building","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/griha-raksha-plus-irdan144rp0014v01202223/document/14986#c-2-your-home-building"},{"clause":"Row 4(b)(ii)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/griha-raksha-plus-irdan144rp0014v01202223/document/14986#c-row-4-b-ii"}],"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 insured events. Valuable Contents are not covered unless the optional Valuable Contents cover is purchased; General Contents sum insured must cover replacement cost, and Valuable Contents may be insured on agreed value based on a valuation certificate with waiver up to ₹ 5 Lakh if individual item value does not exceed ₹ 1 Lakh.","display":"General Contents covered for insured events; Valuable Contents only if optional cover is bought; General Contents on replacement-cost sum insured, valuables on agreed value","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 Sum Insured You have chosen for General Contents must be enough to cover the cost of replacement of the General Contents. ... For Valuable Contents, a value may be agreed upon by You and Us based on a valuation certiĤcate submitted by You and accepted by Us. However, We shall waive the requirement of valuation certiĤcate if the Sum Insured opted for is up to ₹ 5 Lakh (Rupees Five Lakh) and Individual item value does not exceed ₹ 1 Lakh (Rupees One Lakh).","sources":[{"clause":null,"heading":"Clause D : Home Contents Cover","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/griha-raksha-plus-irdan144rp0014v01202223/document/14986#c-clause-d-home-contents-cover"},{"clause":null,"heading":"5. Cover for Valuable Contents on Agreed Value Basis (under","page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/griha-raksha-plus-irdan144rp0014v01202223/document/14986#c-5-cover-for-valuable-contents-on-agreed-value-ba"}],"law":[]},{"key":"burglary","label":"Burglary and theft","section":"Cover","meaning":"Whether burglary is covered.","status":"quote-verified","value":"The base insured events include theft only when it occurs within 7 days from the occurrence of, and is proximately caused by, one of the insured events.","display":"Theft within 7 (seven) days from and proximately caused by an insured event","note":"Ordinary burglary or theft unrelated to an insured event is not stated as a base insured event.","quote":"13. | Theft within 7 (seven)days from the occurrence of and proximately caused by any of the above Insured Events. | if it is a. of any article or thing outside Your Home, or of any article or thing attached from the outside of the outer walls or the roof of Your Home, unless securely mounted.","sources":[{"clause":"Row 2","heading":"Explosion or Implosion","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/griha-raksha-plus-irdan144rp0014v01202223/document/14986#c-row-2"}],"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":"Loss of Rent and Rent for Alternative Accommodation is an optional cover available only if opted on payment of additional premium. It pays lost rent or alternative rent while the Home Building is unfit for living because of physical loss from an insured event, for the reasonable repair period up to three years, and only if the Home Building physical damage claim is accepted.","display":"Optional: lost rent or alternative rent while Home Building is unfit for living due to insured event, up to three years","note":"This is an optional cover, not automatic base cover.","quote":"The Griha Raksha Plus policy will also pay for the following optional covers, only if opted on payment of additional premium: ... We will pay you the amount of rent You lose or alternative rent You pay while Your Home Building is not Ĥt for living because of physical loss arising out of an Insured Event as follows: ... This cover will be available for the reasonable time required to repair Your Home Building to make it Ĥt for living. The maximum period of this cover is three years from the date Your Home Building becomes unĤt for living. You must submit a certiĤcate from an architect or the local authority to show that Your Home Building is not Ĥt for living. vi) 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":"Clause E: Optional Covers","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/griha-raksha-plus-irdan144rp0014v01202223/document/14986#c-clause-e-optional-covers"},{"clause":null,"heading":"4. Loss of Rent and Rent for Alternative Accommodation","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/griha-raksha-plus-irdan144rp0014v01202223/document/14986#c-4-loss-of-rent-and-rent-for-alternative-accommod"}],"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":"Home Building sum insured is the prevailing Cost of Construction at commencement as declared by the insured and accepted by the insurer. General Contents sum insured must be enough to cover replacement cost, while optional Valuable Contents may be covered on agreed value based on a valuation certificate.","display":"Building: prevailing Cost of Construction; General Contents: replacement cost; optional Valuable Contents: agreed value","note":null,"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. ... For Valuable Contents, a value may be agreed upon by You and Us based on a valuation certiĤcate submitted by You and accepted by Us.","sources":[{"clause":"Row 4(b)(ii)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/griha-raksha-plus-irdan144rp0014v01202223/document/14986#c-row-4-b-ii"},{"clause":null,"heading":"Clause D : Home Contents Cover","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/griha-raksha-plus-irdan144rp0014v01202223/document/14986#c-clause-d-home-contents-cover"},{"clause":null,"heading":"5. Cover for Valuable Contents on Agreed Value Basis (under","page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/griha-raksha-plus-irdan144rp0014v01202223/document/14986#c-5-cover-for-valuable-contents-on-agreed-value-ba"}],"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 to the Griha Raksha Plus Policy. If the sum insured calculated from the information 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 Griha Raksha Plus 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 diģerence will not aģect the amount We pay.","sources":[{"clause":null,"heading":"Clause I. Waiver of Underinsurance","page":10,"url":"https://indiainsurances.com/policy/sbi-general-insurance/griha-raksha-plus-irdan144rp0014v01202223/document/14986#c-clause-i-waiver-of-underinsurance"}],"law":[]}],"documents":[{"kind":"wording","label":"Griha Raksha Plus Policy Wordings","pages":17,"fetched_at":"2026-10-16 04:23:22+00","source_url":"https://content.sbigeneral.in/uploads/Griha_Raksha_Plus_Policy_Wording_5a47716662.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/griha-raksha-plus-irdan144rp0014v01202223/document/14986"},{"kind":"wording","label":"Griha Raksha Plus Policy Wordings","pages":13,"fetched_at":"2026-10-17 20:00:02+00","source_url":"https://content.sbigeneral.in/uploads/Griha_Raksha_Plus_wording_9de40894b5.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/griha-raksha-plus-irdan144rp0014v01202223/document/15244"},{"kind":"prospectus","label":"Griha Raksha Plus Prospectus","pages":10,"fetched_at":"2026-10-16 04:23:20+00","source_url":"https://content.sbigeneral.in/uploads/Griha_Raksha_Plus_Prospectus_c21bae3a60.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/griha-raksha-plus-irdan144rp0014v01202223/document/14977"},{"kind":"prospectus","label":"Griha Raksha Plus Prospectus","pages":10,"fetched_at":"2026-10-17 20:00:00+00","source_url":"https://content.sbigeneral.in/uploads/Griha_Raksha_Plus_Prospectus_0a640a9ebd.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/griha-raksha-plus-irdan144rp0014v01202223/document/15240"},{"kind":"cis","label":"Griha Raksha Plus Key Featured Documents","pages":11,"fetched_at":"2026-10-17 19:59:42+00","source_url":"https://content.sbigeneral.in/uploads/512a6bb998e642cd820d9f9085c4bfd4.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/griha-raksha-plus-irdan144rp0014v01202223/document/14969"},{"kind":"cis","label":"Griha Raksha Plus CIS","pages":8,"fetched_at":"2026-10-16 04:23:10+00","source_url":"https://content.sbigeneral.in/uploads/Griha_Raksha_Plus_CIS_ff78034c95.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/griha-raksha-plus-irdan144rp0014v01202223/document/14972"},{"kind":"cis","label":"Griha Raksha Plus CIS","pages":8,"fetched_at":"2026-10-17 19:59:50+00","source_url":"https://content.sbigeneral.in/uploads/Griha_Raksha_Plus_CIS_d7f0341bc8.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/griha-raksha-plus-irdan144rp0014v01202223/document/15236"}],"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":"Griha Raksha Plus (UIN IRDAN144RP0014V01202223), IndiaInsurances, https://indiainsurances.com/policy/sbi-general-insurance/griha-raksha-plus-irdan144rp0014v01202223"}