{"uin":"IRDAN149RP0024V02202021","name":"Bharat Griha Raksha","url":"https://indiainsurances.com/policy/magma-general-insurance/bharat-griha-raksha-irdan149rp0024v02202021","insurer":{"slug":"magma-general-insurance","name":"Magma General Insurance Limited","url":"https://indiainsurances.com/insurer/magma-general-insurance"},"line":"general","category":"home","category_name":"Home insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Bharat Griha Raksha is a home insurance policy covering the Home Building and/or Home Contents against listed insured events. It has automatic General Contents cover equal to 20% of the Home Building sum insured up to ₹ 10 Lakh when both covers are chosen, and underinsurance does not apply.","analysis":{"state":"machine","analysed_at":"2026-10-20 05:32:57.883585+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":"One year or more than one year, but not exceeding 30 years.","display":"One year or more than one year; maximum 30 years","note":"From the prospectus; the policy wording defines the policy period by the dates in the Policy Schedule.","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 30 years.","sources":[{"clause":null,"heading":"How long does this cover protect me?","page":12,"url":"https://indiainsurances.com/policy/magma-general-insurance/bharat-griha-raksha-irdan149rp0024v02202021/document/12493#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 give notice immediately as soon as physical loss or damage occurs, and submit the claim form 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 first notice the loss or damage.","sources":[{"clause":null,"heading":"1. Immediate notice to Us","page":18,"url":"https://indiainsurances.com/policy/magma-general-insurance/bharat-griha-raksha-irdan149rp0024v02202021/document/12554#c-1-immediate-notice-to-us"},{"clause":"6(IV)(a)(i)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/magma-general-insurance/bharat-griha-raksha-irdan149rp0024v02202021/document/12554#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 of Your Home Building or any of Your Home Contents","photographs of loss or physical damage, wherever possible","plans, specification books, vouchers, invoices","Death Certificate and Post Mortem report (wherever necessary)"],"display":"Claim form, policy and loss details, police/authority reports, photographs where possible, supporting plans/specifications/vouchers/invoices, and death/post-mortem documents for PA claims","note":null,"quote":"You must submit Your claim in Our claim form at the earliest opportunity, but within 30 days from the date You first notice the loss or damage. ... 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 support Your claim for Home Building and/or Home Contents with plans, specification books, vouchers, invoices ... For Optional Cover of Personal Accident, Death Certificate and Post Mortem report (wherever necessary) shall be submitted.","sources":[{"clause":"6(IV)(a)(i)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/magma-general-insurance/bharat-griha-raksha-irdan149rp0024v02202021/document/12554#c-6-iv-a-i"},{"clause":null,"heading":"1. Immediate notice to Us","page":18,"url":"https://indiainsurances.com/policy/magma-general-insurance/bharat-griha-raksha-irdan149rp0024v02202021/document/12554#c-1-immediate-notice-to-us"},{"clause":null,"heading":"5. Establish loss","page":20,"url":"https://indiainsurances.com/policy/magma-general-insurance/bharat-griha-raksha-irdan149rp0024v02202021/document/12554#c-5-establish-loss"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Your deliberate, wilful or intentional act or ommission, 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","Loss, damage or destruction to any electrical/electronic machine, apparatus, fixture, or fitting by over-running, excessive pressure, short circuiting, arcing, self- heating or leakage of electricity","Loss or damage to bullion or unset precious stones, manuscripts, plans, drawings, securities, obligations or documents of any kind, coins or paper money, cheques, vehicles, and explosive substances","Loss of any Insured Property which is missing or has been mislaid","Loss or damage to any Insured Property removed from Your Home to any other place.","Loss of earnings, loss by delay, loss of market or other consequential or indirect loss or damage","Any reduction in market value of any Insured Property after its repair or reinstatement.","Any addition, extension, or alteration to any structure of Your Home Building that increases its Carpet Area by more than 10%","Costs, fees or expenses for preparing any claim."],"display":"Deliberate acts, war, radiation, specified electrical damage, excluded valuables/documents/money/vehicles, missing property, property removed from home, consequential loss, reduced market value, building additions over 10% without endorsement, and claim preparation costs","note":null,"quote":"1. Your deliberate, wilful or intentional act or ommission, or of anyone on Your behalf, or with Your connivance. 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. ... 5. Loss, damage or destruction to any electrical/electronic machine, apparatus, fixture, or fitting by over-running, excessive pressure, short circuiting, arcing, self- heating or leakage of electricity from whatever cause (lightning included). This exclusion applies only to the particular machine so lost, damaged or destroyed. 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 identifiable 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.","sources":[{"clause":"6(b)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/magma-general-insurance/bharat-griha-raksha-irdan149rp0024v02202021/document/12554#c-6-b-4"},{"clause":"6(b)(ii)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/magma-general-insurance/bharat-griha-raksha-irdan149rp0024v02202021/document/12554#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":"quote-verified","value":"First contact Magma General Insurance through its website, toll free number, email, courier to a branch or corporate office, or Branch Grievance Redressal Officer. If not satisfied, contact the Grievance Redressal Officer at the stated Mumbai address or gro@magmainsurance.com.","display":"Website/toll free/email/courier or Branch GRO first; then Grievance Redressal Officer at gro@magmainsurance.com","note":null,"quote":"In case of any grievance, You may contact Us through any of the following channels: Website: www.magmainsurance.com Toll free: 1800 266 3202 Email: customercare@magmainsurance.com Courier: Any of Our branch offices or corporate office during business hours You may also reach out to the Branch Grievance Redressal Officer (GRO) If You are not satisfied with the redressal of grievance through one of the above methods, You may contact the grievance officer at: Grievance Redressal Officer at the address: Magma General Insurance Limited Equinox Business Park, Tower 3, 2nd Floor, Unit Number 1B & 2B, LBS Marg, Kurla (West), Mumbai – 400070, Maharashtra. E –mail: gro@magmainsurance.com","sources":[{"clause":null,"heading":"1. Grievance Redressal Procedure","page":23,"url":"https://indiainsurances.com/policy/magma-general-insurance/bharat-griha-raksha-irdan149rp0024v02202021/document/12554#c-1-grievance-redressal-procedure"}],"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"],"display":"Fire; explosion/implosion; lightning; earthquake/convulsions; storm/cyclone/flood etc.; subsidence/landslide/rockslide; bush/forest/jungle fire; impact damage; missile testing; riot/strikes/malicious damage; terrorism; bursting/overflowing tanks/apparatus/pipes; sprinkler leakage; theft within 7 days caused by an insured event","note":"Earthquake/convulsions of nature and acts of terrorism are not covered if excluded by endorsement.","quote":"Fire ... Explosion or Implosion ... Lightning ... 4. | Earthquake, volcanic eruption, or other convulsions of nature [Note – this is not covered if excluded by way of an Endorsement] | - 5. | Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Tsunami,Flood and Inundation | - 6. | 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 e. demolition, construction, structural alterations or repair of any property, or groundworks or excavations. 7. | Bush fire, Forest fire, Jungle fire | - 8. | 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. 9. | Missile testing operations | - 10. | 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. 11 | Acts of terrorism (Coverage as per Terrorism Clause attached) [Note – this is not covered if excluded by way of an Endorsement] | Exclusions and Excess as per Terrorism Clause attached. 12. | Bursting or overflowing of water tanks, apparatus and pipes. | - 13. | 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 c. defects in the construction known to You. ... 14. Theft within 7 (seven )days from the if it is occurrence of and proximately a. of any article or thing outside caused by any of the above Insured","sources":[{"clause":"Row 1","heading":"Fire","page":7,"url":"https://indiainsurances.com/policy/magma-general-insurance/bharat-griha-raksha-irdan149rp0024v02202021/document/12554#c-row-1"},{"clause":"Row 2","heading":"Explosion or Implosion","page":7,"url":"https://indiainsurances.com/policy/magma-general-insurance/bharat-griha-raksha-irdan149rp0024v02202021/document/12554#c-row-2"},{"clause":"Row 3","heading":"Lightning","page":7,"url":"https://indiainsurances.com/policy/magma-general-insurance/bharat-griha-raksha-irdan149rp0024v02202021/document/12554#c-row-3"},{"clause":null,"heading":"Clause B. Insured Events","page":9,"url":"https://indiainsurances.com/policy/magma-general-insurance/bharat-griha-raksha-irdan149rp0024v02202021/document/12554#c-clause-b-insured-events-2"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"not-stated","value":null,"display":null,"note":"The policy wording mentions excess only by reference to the Terrorism Clause, but no deductible or excess amount is printed in the provided clauses.","quote":null,"sources":[],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"You can cancel at any time by written notice. For a term up to one year, the insurer refunds proportionate premium for the unexpired Policy Period if no claim has been made. For a term over one year, it refunds premium for unexpired policy years whose risk coverage has not commenced.","display":"Written cancellation anytime; proportionate unexpired premium for terms up to 1 year if no claims; unexpired premium for future years on terms over 1 year if risk has not commenced","note":null,"quote":"You can cancel this Policy at any time by giving Us notice in writing. If You cancel the Policy, We will – ... Refund the proportionate premium for unexpired Policy Period, if the term of the Policy is up to one year and there is no claim(s) made during the Policy Period. ... Refund the premium for the unexpired Policy Period, if the term of the Policy is more than one year and the risk coverage for such Policy years has not commenced.","sources":[{"clause":null,"heading":"1. Cancellation by You at any Time","page":17,"url":"https://indiainsurances.com/policy/magma-general-insurance/bharat-griha-raksha-irdan149rp0024v02202021/document/12554#c-1-cancellation-by-you-at-any-time"},{"clause":"6(III)(a)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/magma-general-insurance/bharat-griha-raksha-irdan149rp0024v02202021/document/12554#c-6-iii-a"},{"clause":"6(III)(b)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/magma-general-insurance/bharat-griha-raksha-irdan149rp0024v02202021/document/12554#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":null,"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 pays for physical loss, damage or destruction of the home building due to insured events. The Home Building includes permanent fixtures/fittings and listed additional structures, and its Sum Insured is based on prevailing Cost of Construction at commencement.","display":"Home Building covered for insured-event physical loss/damage; includes fixtures/fittings and additional structures; sum insured is prevailing Cost of Construction","note":"The policy pays repair cost for damage and the Home Building Sum Insured for a total loss.","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) fixtures and fittings permanently attached to the floor, walls or roof, like fixed sanitary fittings, electrical wiring and other permanent fittings. ii) the following ‘additional structures’ if they are on the same site, and are used as part of Your Home Building: ... The Sum Insured for the Home Building Cover is the prevailing Cost of Construction of Your Home Building at the Commencement Date as declared by You and accepted by Us and will be the maximum amount payable in the event the Home Building is a Total Loss.","sources":[{"clause":null,"heading":"1. What We cover","page":9,"url":"https://indiainsurances.com/policy/magma-general-insurance/bharat-griha-raksha-irdan149rp0024v02202021/document/12554#c-1-what-we-cover"},{"clause":null,"heading":"2. Your Home Building","page":9,"url":"https://indiainsurances.com/policy/magma-general-insurance/bharat-griha-raksha-irdan149rp0024v02202021/document/12554#c-2-your-home-building"},{"clause":"4(a)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/magma-general-insurance/bharat-griha-raksha-irdan149rp0024v02202021/document/12554#c-4-a"}],"law":[]},{"key":"contents_cover","label":"Contents cover","section":"Cover","meaning":"Cover for household goods, jewellery and valuables, and limits.","status":"quote-verified","value":"General Contents of the home are covered for physical loss, damage or destruction caused by insured events. General Contents have a built-in cover equal to 20% of the Home Building Sum Insured, up to ₹ 10 Lakh, if both Home Building and Home Contents covers are chosen; Valuable Contents are not covered unless the optional cover is purchased.","display":"General Contents covered; built-in 20% of Home Building SI up to ₹ 10 Lakh when both covers are opted; Valuable Contents only if optional cover is purchased","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":12,"url":"https://indiainsurances.com/policy/magma-general-insurance/bharat-griha-raksha-irdan149rp0024v02202021/document/12554#c-clause-d-home-contents-cover"},{"clause":"6(b)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/magma-general-insurance/bharat-griha-raksha-irdan149rp0024v02202021/document/12554#c-6-b-2"}],"law":[]},{"key":"burglary","label":"Burglary and theft","section":"Cover","meaning":"Whether burglary is covered.","status":"quote-verified","value":"The policy covers theft only when it occurs within 7 days from, and is proximately caused by, one of the insured events. Articles outside the home, or attached from outside the outer walls or roof, are excluded unless securely mounted.","display":"Theft within 7 days of and proximately caused by an insured event; outside/externally attached articles excluded unless securely mounted","note":"The base wording states theft linked to an insured event, not a separate general burglary cover.","quote":"14. Theft within 7 (seven )days from the if it is occurrence of and proximately a. of any article or thing outside caused by any of the above Insured | Your Home, or Events. | b. 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":9,"url":"https://indiainsurances.com/policy/magma-general-insurance/bharat-griha-raksha-irdan149rp0024v02202021/document/12554#c-clause-b-insured-events-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":"The policy pays Loss of Rent and Rent for Alternative Accommodation while the Home Building is unfit for living after insured physical loss. The cover is for accommodation not superior to the home and in the same city, for the reasonable repair period, subject to a maximum of three years from the date the building becomes unfit for living.","display":"Loss of rent or alternative accommodation rent while home is unfit; same city and not superior; maximum 3 years","note":"A certificate from an architect or local authority is required, and loss of rent is accepted only if the Home Building physical damage claim is accepted.","quote":"Further, We pay for Loss of rent and Rent for Alternative Accommodation, which will be paid to the extent declared by You and agreed by Us as specified under Clause C (6) of this Policy while Your Home Building is not fit for living following loss or damage due to an insured event. ... We will pay the 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: ... We will pay the loss under this cover for an accommodation that is not superior to Your Home Building in any way and in the same city as Your Home Building. ... The maximum period of this cover is three years from the date Your Home Building becomes unfit for living.","sources":[{"clause":null,"heading":"1. What We cover","page":9,"url":"https://indiainsurances.com/policy/magma-general-insurance/bharat-griha-raksha-irdan149rp0024v02202021/document/12554#c-1-what-we-cover"},{"clause":"6","heading":"Loss of Rent and Rent for Alternative Accommodation: In addition to what","page":11,"url":"https://indiainsurances.com/policy/magma-general-insurance/bharat-griha-raksha-irdan149rp0024v02202021/document/12554#c-6"},{"clause":"6(b)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/magma-general-insurance/bharat-griha-raksha-irdan149rp0024v02202021/document/12554#c-6-b"},{"clause":"6(d)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/magma-general-insurance/bharat-griha-raksha-irdan149rp0024v02202021/document/12554#c-6-d"}],"law":[]},{"key":"sum_insured_basis","label":"Sum insured basis","section":"Cover","meaning":"How the cover amount is set: market value, reinstatement value, agreed value, IDV.","status":"quote-verified","value":"For Home Building, the Sum Insured is the prevailing Cost of Construction at the Commencement Date as declared by the insured and accepted by the insurer. For General Contents, the chosen Sum Insured must be enough to cover replacement cost. Valuable Contents, if optionally covered, may be on an agreed value basis using a valuation certificate, with the certificate waived up to ₹ 5 Lakh total and ₹ 1 Lakh per item.","display":"Building: prevailing Cost of Construction; General Contents: replacement cost; Valuable Contents: optional agreed value basis","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 certificate submitted by You and accepted by Us. However, We shall waive the requirement of valuation certificate 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":"4(a)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/magma-general-insurance/bharat-griha-raksha-irdan149rp0024v02202021/document/12554#c-4-a"},{"clause":"6(d)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/magma-general-insurance/bharat-griha-raksha-irdan149rp0024v02202021/document/12554#c-6-d-2"},{"clause":"6(a)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/magma-general-insurance/bharat-griha-raksha-irdan149rp0024v02202021/document/12554#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 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 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":22,"url":"https://indiainsurances.com/policy/magma-general-insurance/bharat-griha-raksha-irdan149rp0024v02202021/document/12554#c-clause-i-waiver-of-underinsurance"}],"law":[]}],"documents":[{"kind":"wording","label":"Addon Clauses and Endorsements – Bharat Griha Raksha","pages":3,"fetched_at":"2026-10-17 19:55:02+00","source_url":"https://www.magmainsurance.com/documents/5553002/5571141/Addon+Clauses+and+Endorsements+%E2%80%93+Bharat+Griha+Raksha.pdf/53532661-6f28-f914-de17-10632a8c038a?t=1789043177160","url":"https://indiainsurances.com/policy/magma-general-insurance/bharat-griha-raksha-irdan149rp0024v02202021/document/12553"},{"kind":"wording","label":"Policy Wordings – Bharat Griha Raksha","pages":28,"fetched_at":"2026-10-17 19:54:57+00","source_url":"https://www.magmainsurance.com/documents/5553002/5571141/Policy+Wordings+%E2%80%93+Bharat+Griha+Raksha.pdf/54403b18-9c0b-fdee-48ac-4b4d13d32c44?t=1789043174191","url":"https://indiainsurances.com/policy/magma-general-insurance/bharat-griha-raksha-irdan149rp0024v02202021/document/12554"},{"kind":"prospectus","label":"Standard Prospectus – Bharat Griha Raksha","pages":27,"fetched_at":"2026-10-17 19:52:35+00","source_url":"https://www.magmainsurance.com/documents/5553002/5571141/Standard+Prospectus+%E2%80%93+Bharat+Griha+Raksha.pdf/131f5b26-9e1f-0521-99fc-cb9da491ecba?t=1789043175460","url":"https://indiainsurances.com/policy/magma-general-insurance/bharat-griha-raksha-irdan149rp0024v02202021/document/12493"},{"kind":"cis","label":"Standard Key Features Document – Bharat Griha Raksha","pages":17,"fetched_at":"2026-10-17 19:56:04+00","source_url":"https://www.magmainsurance.com/documents/5553002/5571141/Standard+Key+Features+Document+%E2%80%93+Bharat+Griha+Raksha.pdf/5440c802-028b-8258-7747-f48b130396ca?t=1789043176652","url":"https://indiainsurances.com/policy/magma-general-insurance/bharat-griha-raksha-irdan149rp0024v02202021/document/12588"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Magma General Insurance official website","url":"https://www.magmainsurance.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claims","url":"https://www.magmainsurance.com/web/magmainsurance/claims","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://www.magmainsurance.com/grievance-redressal","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"renew","kind":"insurer","name":"Renewal","url":"https://www.magmainsurance.com/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 IRDAN149RP0024V02202021), IndiaInsurances, https://indiainsurances.com/policy/magma-general-insurance/bharat-griha-raksha-irdan149rp0024v02202021"}