{"uin":"IRDAN144RP0032V01202021","name":"Bharat Griha Raksha","url":"https://indiainsurances.com/policy/sbi-general-insurance/bharat-griha-raksha-irdan144rp0032v01202021","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":"SBI General Bharat Griha Raksha covers home building and home contents against listed insured events including fire, earthquake, flood, riot, terrorism and theft within 7 days of an insured event. Building sum insured is based on cost of construction and underinsurance does not apply.","analysis":{"state":"machine","analysed_at":"2026-10-20 05:42:41.726403+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"You can buy the policy for one year or more than one year, but not exceeding 10 years.","display":"One year or more than one year, but not exceeding 10 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 10 years.","sources":[{"clause":null,"heading":"How long does this cover protect me?","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/bharat-griha-raksha-irdan144rp0032v01202021/document/14984#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":"Notice of loss must be given immediately as soon as physical loss or damage occurs. The claim form must be submitted at the earliest opportunity, but within 30 days from the date the loss or damage is first noticed.","display":"Immediate notice; claim form within 30 days from first noticing the loss or damage","note":null,"quote":"As soon as any physical loss or damage occurs to Your Home Building or Home Contents due to an Insured Event, You must immediately give notice to Us of the loss or damage. ... You must submit Your claim in Our claim form at the earliest opportunity, but within 30 days from the date You first notice the loss or damage.","sources":[{"clause":null,"heading":"1. Immediate notice to Us","page":16,"url":"https://indiainsurances.com/policy/sbi-general-insurance/bharat-griha-raksha-irdan144rp0032v01202021/document/26992#c-1-immediate-notice-to-us"},{"clause":"6(IV)(a)(i)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/sbi-general-insurance/bharat-griha-raksha-irdan144rp0032v01202021/document/26992#c-6-iv-a-i"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["claim form","the 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","details of loss or damage under any Optional Cover or Add-ons","photographs of loss or physical damage, wherever possible","plans, specification books, vouchers, invoices pertaining to costs incurred","Death Certificate and Post-mortem report (wherever necessary)"],"display":"Claim form, policy and loss details, authority reports, other-insurance details, photographs where possible, repair/reconstruction documents when requested, and death/post-mortem documents for PA claims","note":null,"quote":"You must state in this notice\ni) the Policy Number,\nii) Your name,\niii) details of report to the police that You made,\niv) details of report to any Authority that You made,\nv) details of the Insured Event,\nvi) a brief statement of the loss,\nvii) particulars of any other insurance of Your Home Building or any of Your Home Contents,\nviii) details of loss or damage under any Optional Cover or Add-ons,\nix) 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 first notice the loss or damage. ... You must support Your claim for Home Building and/or Home Contents with plans, specification books, vouchers, invoices pertaining to costs incurred by You for reconstruction/replacement/repairs. ... For Optional Cover of Personal Accident, Death Certificate and Post-mortem report (wherever necessary) shall be submitted.","sources":[{"clause":null,"heading":"1. Immediate notice to Us","page":16,"url":"https://indiainsurances.com/policy/sbi-general-insurance/bharat-griha-raksha-irdan144rp0032v01202021/document/26992#c-1-immediate-notice-to-us"},{"clause":"6(IV)(a)(i)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/sbi-general-insurance/bharat-griha-raksha-irdan144rp0032v01202021/document/26992#c-6-iv-a-i"},{"clause":null,"heading":"5. Establish loss","page":17,"url":"https://indiainsurances.com/policy/sbi-general-insurance/bharat-griha-raksha-irdan144rp0032v01202021/document/26992#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; this timeline is not applicable for policies issued on building/property on reinstatement basis.","display":"Within 7 days from final survey report; 22 days if surveyor report is delayed beyond 15 days from allocation","note":"This time promise is stated in the Customer Information Sheet; the policy wording provided does not state a settlement timeline.","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":"14","heading":"Theft within 7 days of occurrence","page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/bharat-griha-raksha-irdan144rp0032v01202021/document/14982#c-14"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Your deliberate, wilful or intentional act or ommission, or of anyone on Your behalf, or with Your connivance.","War, invasion, act of foreign enemy hostilities or war-like operations","Ionising radiation or contamination by radioactivity","Pollution or contamination, unless the pollution or contamination itself has resulted from an Insured Event, or an Insured Event itself results from pollution or contamination.","Loss, damage or destruction to any electrical/electronic machine, apparatus, fixture, or fitting by over-running, excessive pressure, short circuiting, arcing, selfheating or leakage of electricity","Loss or damage to bullion or unset precious stones, manuscripts, plans, drawings, securities, obligations or documents of any kind, coins or paper money, cheques, vehicles, and explosive substances unless otherwise expressly stated in the policy.","Loss of any Insured Property which is missing or has been mislaid","Loss or damage to any Insured Property removed from Your Home to any other place.","Loss of earnings, loss by delay, loss of market or other consequential or indirect loss or damage","Any reduction in market value of any Insured Property after its repair or reinstatement.","Any addition, extension, or alteration to any structure of Your Home Building that increases its Carpet Area by more than 10%","Costs, fees, or expenses for preparing any claim."],"display":"Deliberate acts, war, nuclear/radiation, pollution except as stated, electrical self-damage, specified valuables/documents/money/vehicles/explosives unless stated, missing property, property removed from home, consequential loss, reduction in market value, large undeclared building alterations, and claim-preparation costs","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:\n1. Your deliberate, wilful or intentional act or ommission, or of anyone on Your behalf, or with Your connivance.\n2. War, invasion, act of foreign enemy hostilities or war-like operations (whether war is declared or not), civil war, mutiny, civil commotion amounting to a popular rising, military rising, rebellion, revolution, insurrection or military or usurped power.\n3. Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from combustion of nuclear fuel, or the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component that is part of it.\n4. Pollution or contamination, unless ... 5. Loss, damage or destruction to any electrical/electronic machine, apparatus, fixture, or fitting by over-running, excessive pressure, short circuiting, arcing, selfheating or leakage of electricity from whatever cause (lightning included). This exclusion applies only to the particular machine so lost, damaged or destroyed.\n6. Loss or damage to bullion or unset precious stones, manuscripts, plans, drawings, securities, obligations or documents of any kind, coins or paper money, cheques, vehicles, and explosive substances unless otherwise expressly stated in the policy.\n7. Loss of any Insured Property which is missing or has been mislaid, or its disappearance cannot be linked to any single identifiable event.\n8. Loss or damage to any Insured Property removed from Your Home to any other place.\n9. Loss of earnings, loss by delay, loss of market or other consequential or indirect loss or damage of any kind or description whatsoever.\n10. Any reduction in market value of any Insured Property after its repair or reinstatement.\n11. Any addition, extension, or alteration to any structure of Your Home Building that increases its Carpet Area by more than 10% of the Carpet Area existing at the Commencement Date or on the date of renewal of this Policy, unless You have paid additional premium and such addition, extension or alteration is added by Endorsement.\n12. Costs, fees, or expenses for preparing any claim.","sources":[{"clause":"6(b)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/sbi-general-insurance/bharat-griha-raksha-irdan144rp0032v01202021/document/26992#c-6-b-4"},{"clause":"6(b)(ii)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/sbi-general-insurance/bharat-griha-raksha-irdan144rp0032v01202021/document/26992#c-6-b-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":"conflicting","value":"One policy wording says Stage 1 is to write directly to the insurer at head.customercare@sbigeneral.in or gro@sbigeneral.in or call 1800 102 1111. Another wording says the grievance can be sent in writing by post or email to the Grievance Redressal Officer at gro@sbigeneral.in.","display":"Conflicting: direct to insurer at head.customercare@sbigeneral.in or gro@sbigeneral.in / 1800 102 1111; another wording says Grievance Redressal Officer at gro@sbigeneral.in","note":"The provided policy wordings differ on the first grievance route before escalation.","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. ... You can send Your grievance in writing by post or email to Our Grievance Redressal Officer at the following address: ... Email ID : gro@sbigeneral.in","sources":[{"clause":null,"heading":"Clause K. Grievance Redressal Mechanism","page":7,"url":"https://indiainsurances.com/policy/sbi-general-insurance/bharat-griha-raksha-irdan144rp0032v01202021/document/15249#c-clause-k-grievance-redressal-mechanism"},{"clause":null,"heading":"1. Our Grievance Redressal Officer","page":19,"url":"https://indiainsurances.com/policy/sbi-general-insurance/bharat-griha-raksha-irdan144rp0032v01202021/document/26992#c-1-our-grievance-redressal-officer"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["Fire","Explosion or Implosion","Lightning","Earthquake, volcanic eruption, or other convulsions of nature","Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Tsunami, Flood and Inundation","Subsidence of the land on which Your Home Building stands, Landslide, Rockslide","Bush fire, Forest fire, Jungle fire","Impact damage of any kind","Missile testing operations","Riot, Strikes, Malicious Damages","Acts of terrorism","Bursting or overflowing of water tanks, apparatus and pipes.","Leakage from automatic sprinkler installations.","Theft within 7 (seven )days from the occurrence of and proximately caused by any of the above Insured Events."],"display":"Fire; explosion/implosion; lightning; earthquake/volcanic/nature convulsions; storm/cyclone/typhoon/tempest/hurricane/tornado/tsunami/flood/inundation; subsidence/landslide/rockslide; bush/forest/jungle fire; impact; missile testing; riot/strikes/malicious damage; terrorism; bursting/overflowing water tanks, apparatus and pipes; sprinkler leakage; theft within 7 days caused by an insured event","note":null,"quote":"1. | Fire | caused by burning of Insured Property by order of any Public Authority.\n2. | Explosion or Implosion | -\n3. | Lightning | - ... 4. | Earthquake, volcanic eruption, or other convulsions of nature | -\n5. | Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Tsunami, Flood and Inundation | -\n6. | Subsidence of the land on which Your Home Building stands, Landslide, Rockslide | caused by a. normal cracking, settlement or bedding down of new structures, b. the settlement or movement of made up ground, c. coastal or river erosion, d. defective design or workmanship or use of defective materials, or demolition, construction, structural alterations or repair of any property, or groundworks or excavations.\n7. | Bush fire, Forest fire, Jungle fire | -\n8. | Impact damage of any kind, i.e., damage caused by impact of, or collision caused by any external physical object (e.g. vehicle, falling trees, aircraft, wall etc.) | caused by pressure waves caused by aircraft or other aerial or space devices travelling at sonic or supersonic speeds.\n9. | Missile testing operations | -\n10. | Riot, Strikes, Malicious Damages | caused by a. temporary or permanent dispossession, confiscation, commandeering, requisition or destruction by order of the government or any lawful authority, or b. temporary or permanent dispossession of Your Home by unlawful occupation by any person.\n11 | Acts of terrorism (Coverage as per Terrorism Clause attached) | Exclusions and Excess as per Terrorism Clause attached. ... 12. | Bursting or overflowing of water tanks, apparatus and pipes. | -\n13. | Leakage from automatic sprinkler installations. | a. repairs or alterations in Your Home or the building in which Your Home is located, b. repairs, removal or extension of any sprinkler installation, or defects in the construction known to You.\n14. | 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":null,"heading":"Clause B. Insured Events","page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/bharat-griha-raksha-irdan144rp0032v01202021/document/26992#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 the deductible applicable to terrorism as per pool.","display":"No deductible, except terrorism deductible as per pool","note":"The terrorism deductible amount is not quantified in the provided clauses.","quote":"There is no deductible under the policy except deductible applicable to Terrorism as per pool","sources":[{"clause":"14","heading":"Theft within 7 days of occurrence","page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/bharat-griha-raksha-irdan144rp0032v01202021/document/14982#c-14"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"conflicting","value":"Conflicting policy wordings are provided. One wording says cancellation by written notice gives a proportionate refund for the unexpired policy period for policies up to one year if no claim has been made, and refund for unexpired policy years not commenced for terms over one year. Another wording gives short-period annual refunds of 75%, 50%, 25% or nil depending on time in force.","display":"Conflicting: pro-rata unexpired refund if no claim for up to one-year policies; another wording gives 75%/50%/25%/nil short-period annual refunds","note":"Both are policy wordings of the same product in the provided documents.","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. ... If You cancel the policy, We will refund premium as follows:\nTime for which Policy in force | Refund of premium\nUp to one month | 75% of annual rate\nUp to three months | 50%of annual rate\nUp to six months | 25% of annual rate\nExceeding six months | NIL","sources":[{"clause":"6(III)(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/bharat-griha-raksha-irdan144rp0032v01202021/document/14987#c-6-iii-a"},{"clause":"6(III)(a)(i)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/sbi-general-insurance/bharat-griha-raksha-irdan144rp0032v01202021/document/14987#c-6-iii-a-i"},{"clause":"6(III)(a)(ii)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/sbi-general-insurance/bharat-griha-raksha-irdan144rp0032v01202021/document/14987#c-6-iii-a-ii"},{"clause":"6(III)(b)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/sbi-general-insurance/bharat-griha-raksha-irdan144rp0032v01202021/document/26992#c-6-iii-b"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"not-stated","value":null,"display":null,"note":"The clauses cover the scheduled home/property but do not state a geographic territory of cover.","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":"Home Building cover insures physical loss, damage or destruction of the home building caused by insured events. It includes permanent fixtures and fittings and listed additional structures; the building sum insured is the prevailing Cost of Construction at commencement, and repair claims are reimbursed to substantially the same condition.","display":"Covers home building loss/damage/destruction from insured events, including fixtures/fittings and listed additional structures; sum insured is prevailing Cost of Construction at commencement","note":null,"quote":"We cover physical loss or damage, or destruction of Your Home Building because of any Insured Event listed in Clause B of this Policy. ... Your Home Building includes\ni) fixtures and fittings permanently attached to the floor, walls or roof, like fixed sanitary fittings, electrical wiring and other permanent fittings.\nii) the following ‘additional structures’ if they are on the same site, and are used as part of Your Home Building: ... The Sum Insured for the Home Building Cover is the prevailing Cost of Construction of Your Home Building at the Commencement Date as declared by You and accepted by Us and will be the maximum amount payable in the event the Home Building is a Total Loss. ... If You make a claim under the policy for damage to Your Home Building due to any of the insured perils, We reimburse the cost to repair it to a condition substantially the same as its condition at the time of damage.","sources":[{"clause":null,"heading":"1. What We cover","page":7,"url":"https://indiainsurances.com/policy/sbi-general-insurance/bharat-griha-raksha-irdan144rp0032v01202021/document/26992#c-1-what-we-cover"},{"clause":null,"heading":"2. Your Home Building","page":7,"url":"https://indiainsurances.com/policy/sbi-general-insurance/bharat-griha-raksha-irdan144rp0032v01202021/document/26992#c-2-your-home-building"},{"clause":"Row 3(b)(ii)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/sbi-general-insurance/bharat-griha-raksha-irdan144rp0032v01202021/document/26992#c-row-3-b-ii"},{"clause":"5","heading":"What We pay","page":8,"url":"https://indiainsurances.com/policy/sbi-general-insurance/bharat-griha-raksha-irdan144rp0032v01202021/document/26992#c-5"}],"law":[]},{"key":"contents_cover","label":"Contents cover","section":"Cover","meaning":"Cover for household goods, jewellery and valuables, and limits.","status":"quote-verified","value":"Home Contents cover insures General Contents against physical loss, damage or destruction caused by insured events. If both building and contents covers are opted, General Contents have built-in cover equal to 20% of the Home Building sum insured, capped at ₹ 10 Lakh; higher General Contents sum insured needs declaration and additional premium, and Valuable Contents are covered only if the optional cover is purchased.","display":"General Contents covered for insured events; built-in 20% of Home Building sum insured up to ₹ 10 Lakh if both covers opted; Valuable Contents only by optional cover","note":null,"quote":"We cover the physical loss or damage to or destruction of the General Contents of Your Home caused by an Insured Event as listed in Clause B of this Policy. Valuable Contents of Your Home are not covered under this Policy unless You have purchased the optional cover for the Valuable Contents. ... The policy has a built-in cover for the General Contents of Your home equal to 20% of the Sum Insured for Home Building Cover subject to a maximum of ₹ 10 Lakh (Rupees Ten Lakh) provided You have opted for both Home Building and Home Contents cover. If You choose to have a higher Sum Insured for Home Contents, You have to declare the Sum Insured in the Proposal Form and pay additional premium.","sources":[{"clause":null,"heading":"Clause D: Home Contents Cover","page":9,"url":"https://indiainsurances.com/policy/sbi-general-insurance/bharat-griha-raksha-irdan144rp0032v01202021/document/26992#c-clause-d-home-contents-cover"},{"clause":"6(b)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/sbi-general-insurance/bharat-griha-raksha-irdan144rp0032v01202021/document/26992#c-6-b-2"}],"law":[]},{"key":"burglary","label":"Burglary and theft","section":"Cover","meaning":"Whether burglary is covered.","status":"quote-verified","value":"The covered theft peril is theft within 7 days from the occurrence of, and proximately caused by, the insured events.","display":"Theft within 7 days from, and proximately caused by, an insured event","note":"The clauses provided list this theft peril; they do not state a standalone burglary cover.","quote":"14. | 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":null,"heading":"Clause B. Insured Events","page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/bharat-griha-raksha-irdan144rp0032v01202021/document/26992#c-clause-b-insured-events"}],"law":[]},{"key":"rent_loss","label":"Rent and alternative accommodation","section":"Cover","meaning":"Cover for rent lost or a temporary home after damage.","status":"quote-verified","value":"The policy pays loss of rent or alternative rent while the Home Building is not fit for living because of physical loss from an insured event, to the extent declared and agreed. The maximum period is three years from the date the Home Building becomes unfit for living, and loss of rent is accepted only if the Home Building physical damage claim is accepted.","display":"Loss of rent or alternative accommodation rent while the home is unfit after an insured event, up to three years","note":null,"quote":"We will pay the amount of rent You lose or alternative rent You pay while Your Home Building is not fit 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 fit for living. The maximum period of this cover is three years from the date Your Home Building becomes unfit for living. You must submit a certificate from an architect or the local authority to show that Your Home Building is not fit for living. ... Claim for loss of rent will be accepted only if We have accepted Your claim for loss for physical damage to Your Home under the Home Building Cover.","sources":[{"clause":"6","heading":"Loss of Rent and Rent for Alternative Accommodation: In addition to what Clause C (5)","page":9,"url":"https://indiainsurances.com/policy/sbi-general-insurance/bharat-griha-raksha-irdan144rp0032v01202021/document/26992#c-6"},{"clause":"6(d)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/sbi-general-insurance/bharat-griha-raksha-irdan144rp0032v01202021/document/26992#c-6-d"},{"clause":"6(e)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/sbi-general-insurance/bharat-griha-raksha-irdan144rp0032v01202021/document/26992#c-6-e"}],"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 based on the prevailing Cost of Construction at commencement, calculated from carpet area and the rate of cost of construction plus additional structures. General Contents sum insured must cover the cost of replacement, and optional Valuable Contents can be on an agreed value basis.","display":"Building: Cost of Construction at commencement; General Contents: replacement cost; Valuable Contents optional: agreed value basis","note":null,"quote":"Cost of Construction | The amount required to construct Your Home Building at the Commencement Date. This amount is calculated as follows: a. For residential structure of Your Home including Fittings and Fixtures: Carpet Area of the structure in square metres X Rate of Cost of Construction at the Commencement Date. ... 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 ... The Sum Insured You have chosen for General Contents must be enough to cover the cost of replacement of the General Contents. ... Cover for Valuable Contents on Agreed Value Basis (under Home Contents cover):\nFor Valuable Contents, a value may be agreed upon by You and Us based on a valuation certificate submitted by You and accepted by Us.","sources":[{"clause":"4","heading":"Special meaning of certain words: Words stated in the table below have a special meaning","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/bharat-griha-raksha-irdan144rp0032v01202021/document/26992#c-4"},{"clause":"Row 3(b)(ii)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/sbi-general-insurance/bharat-griha-raksha-irdan144rp0032v01202021/document/26992#c-row-3-b-ii"},{"clause":"6(d)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/sbi-general-insurance/bharat-griha-raksha-irdan144rp0032v01202021/document/26992#c-6-d-2"},{"clause":"6(a)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/sbi-general-insurance/bharat-griha-raksha-irdan144rp0032v01202021/document/26992#c-6-a-4"}],"law":[]},{"key":"under_insurance","label":"Under-insurance (average) clause","section":"Limits and co-pay","meaning":"If the sum insured is less than the real value, claims are cut in proportion.","status":"quote-verified","value":"Underinsurance does not apply. If the sum insured calculated on the basis of 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 SBI General Bharat Griha Raksha Policy. Thus, if Your Sum Insured calculated on the basis of the information that You provided, is less than the actual value at risk, the difference will not affect the amount We pay.","sources":[{"clause":null,"heading":"Clause I. Waiver of Underinsurance","page":19,"url":"https://indiainsurances.com/policy/sbi-general-insurance/bharat-griha-raksha-irdan144rp0032v01202021/document/26992#c-clause-i-waiver-of-underinsurance"}],"law":[]}],"documents":[{"kind":"wording","label":"Bharat Griha Raksha Policy Wordings","pages":8,"fetched_at":"2026-10-16 04:23:37+00","source_url":"https://content.sbigeneral.in/uploads/SBI_General_Bharat_Griha_Raksha_Wording_0edf523d90.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/bharat-griha-raksha-irdan144rp0032v01202021/document/14987"},{"kind":"wording","label":"Bharat Griha Raksha Policy Wordings","pages":8,"fetched_at":"2026-10-17 20:00:17+00","source_url":"https://content.sbigeneral.in/uploads/SBI_General_Bharat_Griha_Raksha_Wording_fc81bcf246.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/bharat-griha-raksha-irdan144rp0032v01202021/document/15249"},{"kind":"wording","label":"SBI General Bharat Griha Raksha (IRDAI copy)","pages":24,"fetched_at":"2026-10-20 01:40:30+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN144RP0032V01202021_GEN4245.pdf/cd3c18da-ece4-4f39-297f-aab410bddcfb?version=1.1&t=1668764949061&download=true","url":"https://indiainsurances.com/policy/sbi-general-insurance/bharat-griha-raksha-irdan144rp0032v01202021/document/26992"},{"kind":"prospectus","label":"Bharat Griha Raksha Prospectus","pages":7,"fetched_at":"2026-10-16 04:23:34+00","source_url":"https://content.sbigeneral.in/uploads/SBI_General_Bharat_Griha_Raksha_Prospectus_d458df2623.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/bharat-griha-raksha-irdan144rp0032v01202021/document/14984"},{"kind":"prospectus","label":"Bharat Griha Raksha Prospectus","pages":7,"fetched_at":"2026-10-17 20:00:14+00","source_url":"https://content.sbigeneral.in/uploads/SBI_General_Bharat_Griha_Raksha_Prospectus_52112cf107.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/bharat-griha-raksha-irdan144rp0032v01202021/document/15246"},{"kind":"cis","label":"Bharat Griha Raksha Key Featured Documents","pages":10,"fetched_at":"2026-10-17 20:00:06+00","source_url":"https://content.sbigeneral.in/uploads/149719901eae4fa59e61d221cfad5ec7.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/bharat-griha-raksha-irdan144rp0032v01202021/document/14981"},{"kind":"cis","label":"Bharat Griha Raksha CIS","pages":6,"fetched_at":"2026-10-16 04:23:33+00","source_url":"https://content.sbigeneral.in/uploads/Bharat_Griha_Raksha_CIS_1aa948974f.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/bharat-griha-raksha-irdan144rp0032v01202021/document/14982"},{"kind":"cis","label":"Bharat Griha Raksha CIS","pages":6,"fetched_at":"2026-10-17 20:00:13+00","source_url":"https://content.sbigeneral.in/uploads/SBI_General_Bharat_Griha_Raksha_CIS_dbe4bf2df8.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/bharat-griha-raksha-irdan144rp0032v01202021/document/15243"},{"kind":"brochure","label":"Bharat Griha Raksha Brochure","pages":8,"fetched_at":"2026-10-17 19:58:23+00","source_url":"https://content.sbigeneral.in/uploads/37ba48ca2d25422ebd1b000e74c206ba.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/bharat-griha-raksha-irdan144rp0032v01202021/document/14938"}],"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":"Bharat Griha Raksha (UIN IRDAN144RP0032V01202021), IndiaInsurances, https://indiainsurances.com/policy/sbi-general-insurance/bharat-griha-raksha-irdan144rp0032v01202021"}