{"uin":"IRDAN152CPLB1410V01202627","name":"Contaminated Products Insurance","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/contaminated-products-insurance-irdan152cplb1410v01202627","insurer":{"slug":"zurich-kotak-general-insurance","name":"Zurich Kotak General Insurance Company (India) Limited","url":"https://indiainsurances.com/insurer/zurich-kotak-general-insurance"},"line":"general","category":"other-general","category_name":"Other general insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Contaminated Products Insurance indemnifies the insured for loss in excess of the applicable Self Insured Retention up to the Limit of Liability arising out of an Insured Event. The insured events include Accidental Contamination, Malicious Product Tampering, Product Extortion, Adverse Publicity, Alleged Contamination, Government Recall and Intentionally Impaired Ingredients, and the policy applies anywhere in the world.","analysis":{"state":"machine","analysed_at":"2026-10-20 06:39:48.738639+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"No named plan variants are stated in the provided documents.","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":"not-stated","value":null,"display":null,"note":"The policy defines Policy Period as the period specified in the Schedule, but the Schedule and an actual policy term are not provided.","quote":null,"sources":[],"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":"Immediate oral and written notice to the insurer; the Insured Event must be reported during the Policy Period or within 90 days after the Policy Period.","display":"Immediate oral and written notice; reported during the Policy Period or within 90 days after the Policy Period","note":null,"quote":"reported during the Policy Period or within 90 days after the Policy Period . ... The Insured must make every reasonable effort to determine whether an | Insured Event has actually occurred and must give immediate oral and written notice to | Insurer with periodic and timely updates concurrent with activity occurring during the incident","sources":[{"clause":"1","heading":"Insuring Clause","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/contaminated-products-insurance-irdan152cplb1410v01202627/document/18583#c-1"},{"clause":"6.2","heading":"Notice of Loss","page":15,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/contaminated-products-insurance-irdan152cplb1410v01202627/document/18583#c-6-2"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"No time for the insurer to decide or pay a claim is stated in the provided documents.","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":["Bioengineering, genetic engineering, or genetic modification of any Insured Product(s)","Transmissible Spongiform Encephalopathies (TSE), Coronavirus (COVID - 19), SARS - CoV - 2 or Avian Influenza Virus","Carcinogenic contamination","known defect or deviation in the production, preparation or manufacture of an Insured Product(s)","Intentional breach by the Insured of any governmental regulation","Any injury, damage or claim made by a third party arising out of or in connection with the use or consumption of the Insured Product","Costs or expenses of any litigation or any proceedings before any governmental body","Land, water, growing crops or lawns","a competitor’s product that is similar to an Insured Product","Deterioration, decomposition or transformation of the chemical structure of the Insured Product","Changes in population, customer tastes, economic conditions, seasonal sales variations or competitive environment","Nuclear reaction, nuclear radiation or radioactive contamination","war, invasion, hostilities, civil war, rebellion, revolution, insurrection, or military or usurped power","product recall due to failure of an Insured Product to accomplish its intended purpose or expiration of the designated life","Terrorism"],"display":"Bioengineering/genetic modification, disease and epidemic risks, carcinogenic contamination, known defects, regulatory breaches, third-party injury claims, litigation/proceedings, land/water/crops, competitor products, deterioration or fungus, market/economic changes, nuclear risks, war, certain product recalls, and terrorism are excluded.","note":null,"quote":"Bioengineering, genetic engineering, or genetic modification of any Insured Product(s) ... Transmissible Spongiform Encephalopathies (TSE); (b) Coronavirus (COVID - 19); (c) severe acute respiratory syndrome coronavirus (SARS - CoV - 2); or (d) Avian Influenza Virus. ... Carcinogenic contamination. ... has knowledge of a defect or deviation in the production, preparation or manufacture of an Insured Product(s) ... Intentional breach by the | Insured of any governmental regulation ... Any injury, damage or claim made by a third party arising out of or in connection with the use or consumption of the Insured Product ... Costs or expenses of any litigation or any proceedings before any governmental body as a result of an Insured Event ... Land, water, growing crops or lawns; ... competitor’s product that is similar to an Insured Product . ... Deterioration, decomposition or transformation of the chemical structure of the Insured Product ... Changes in population, customer tastes, economic conditions, seasonal sales variations or competitive environment. ... Nuclear reaction, nuclear radiation or radioactive contamination ... war, invasion, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, or military or usurped power. ... failure of an Insured Product to accomplish its intended purpose ... expiration of the designated life of the Insured Product . ... Terrorism . This exclusion shall not apply when the Insured or an Insured Product is the direct target of such acts of Terrorism .","sources":[{"clause":"5.1","heading":null,"page":11,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/contaminated-products-insurance-irdan152cplb1410v01202627/document/18583#c-5-1"},{"clause":"5.2","heading":null,"page":11,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/contaminated-products-insurance-irdan152cplb1410v01202627/document/18583#c-5-2"},{"clause":"5.3","heading":null,"page":12,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/contaminated-products-insurance-irdan152cplb1410v01202627/document/18583#c-5-3"},{"clause":"5.4","heading":null,"page":12,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/contaminated-products-insurance-irdan152cplb1410v01202627/document/18583#c-5-4"},{"clause":"5.5","heading":null,"page":12,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/contaminated-products-insurance-irdan152cplb1410v01202627/document/18583#c-5-5"},{"clause":"5.6","heading":null,"page":13,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/contaminated-products-insurance-irdan152cplb1410v01202627/document/18583#c-5-6"},{"clause":"5.7","heading":null,"page":13,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/contaminated-products-insurance-irdan152cplb1410v01202627/document/18583#c-5-7"},{"clause":"5.8","heading":null,"page":13,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/contaminated-products-insurance-irdan152cplb1410v01202627/document/18583#c-5-8"},{"clause":"5.9","heading":"Changes in population, customer tastes, economic conditions, seasonal sales variations or","page":13,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/contaminated-products-insurance-irdan152cplb1410v01202627/document/18583#c-5-9"},{"clause":"5.10","heading":null,"page":13,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/contaminated-products-insurance-irdan152cplb1410v01202627/document/18583#c-5-10"},{"clause":"5.11","heading":null,"page":13,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/contaminated-products-insurance-irdan152cplb1410v01202627/document/18583#c-5-11"},{"clause":"5.14","heading":"A product recall","page":14,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/contaminated-products-insurance-irdan152cplb1410v01202627/document/18583#c-5-14"},{"clause":"5.15","heading":null,"page":14,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/contaminated-products-insurance-irdan152cplb1410v01202627/document/18583#c-5-15"}],"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":"For a query or grievance, contact the respective branch office, call 1800 2120, or email care@zurichkotak.com. If not satisfied, contact grievanceofficer@zurichkotak.com, then seniorgrievanceofficer@zurichkotak.com or chiefgrievanceofficer@zurichkotak.com, before approaching IRDAI or the Insurance Ombudsman.","display":"Branch office / 1800 2120 / care@zurichkotak.com; then grievanceofficer@zurichkotak.com; then seniorgrievanceofficer@zurichkotak.com / chiefgrievanceofficer@zurichkotak.com","note":null,"quote":"For resolution of any query or grievance, I nsured may contact the respective branch office of the ZKGI or may call toll free number 1800 2120 or may write an e - mail at care@zurichkotak.com . ... In case the I nsured is not satisfied with the response, I nsured may contact the Grievance Officer of the ZKGI at grievanceofficer@zurichkotak.com . ... I nsured | can write to | seniorgrievanceofficer@ zurichkotak.com / chiefgrievanceofficer@zurichkotak.com . ... if the resolution provided by the ZKGI is not satisfactory the | may approach Insurance Regulatory and Development Authority of India (IRDAI) through | the Bima Bharosa Portal: https://bimabharosa.irdai.gov.in. ... I nsured may also approach Insurance Ombudsman","sources":[{"clause":"7.19","heading":"Grievance","page":21,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/contaminated-products-insurance-irdan152cplb1410v01202627/document/18583#c-7-19"}],"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":["Accidental Contamination","Malicious Product Tampering","Product Extortion","Adverse Publicity","Alleged Contamination","Government Recall","Intentionally Impaired Ingredients"],"display":"Accidental Contamination; Malicious Product Tampering; Product Extortion; Adverse Publicity; Alleged Contamination; Government Recall; Intentionally Impaired Ingredients","note":null,"quote":"Insured Event means: ... Accidental Contamination ; ... Malicious Product Tampering ; ... Product Extortion ; ... Adverse Publicity; ... Alleged Contamination ; ... Government Recall ; and ... Intentionally Impaired Ingredients .","sources":[{"clause":"2","heading":"Insured Events","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/contaminated-products-insurance-irdan152cplb1410v01202627/document/18583#c-2"},{"clause":"2.1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/contaminated-products-insurance-irdan152cplb1410v01202627/document/18583#c-2-1"},{"clause":"2.2","heading":null,"page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/contaminated-products-insurance-irdan152cplb1410v01202627/document/18583#c-2-2"},{"clause":"2.3","heading":null,"page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/contaminated-products-insurance-irdan152cplb1410v01202627/document/18583#c-2-3"},{"clause":"2.4","heading":null,"page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/contaminated-products-insurance-irdan152cplb1410v01202627/document/18583#c-2-4"},{"clause":"2.5","heading":null,"page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/contaminated-products-insurance-irdan152cplb1410v01202627/document/18583#c-2-5"},{"clause":"2.6","heading":"Government Recall ; and","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/contaminated-products-insurance-irdan152cplb1410v01202627/document/18583#c-2-6"},{"clause":"2.7","heading":null,"page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/contaminated-products-insurance-irdan152cplb1410v01202627/document/18583#c-2-7"}],"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 states that the Self Insured Retention in the Schedule applies, but the Schedule amount is not provided.","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":"The insured may cancel by giving 15 days' notice in writing. If no claim has occurred up to the date of cancellation, the insurer retains premium on the short-period scale: 20% up to 1 month, 30% up to 2 months, 40% up to 3 months, 50% up to 4 months, 60% up to 5 months, 70% up to 6 months, 80% up to 7 months, 90% up to 8 months, and full annual premium over 8 months.","display":"15 days' notice; short-period scale retained if no claim: 20% up to 1 month, 30% up to 2 months, 40% up to 3 months, 50% up to 4 months, 60% up to 5 months, 70% up to 6 months, 80% up to 7 months, 90% up to 8 months, full annual premium over 8 months","note":null,"quote":"may also give 15 days' notice in writing, to the Insurer , for the cancellation of this Policy, in which case Insurer shall retain premium for the period this Policy has been in force at the Insurer's short period scales (Table given here below), provided no claim has occurred up to the date of cancellation of this Policy The Short period scale is as follows: Period of Risk | Premium to be retained For a period not exceeding | 1 month | 20% of the Annual Premium For a period not exceeding | 2 months | 30% of the Annual Premium For a period not exceeding | 3 months | 40% of the Annual Premium For a period not exceeding | 4 months | 50% of the Annual Premium For a period not exceeding | 5 months | 60% of the Annual Premium For a period not exceeding | 6 months | 70% of the Annual Premium For a period not exceeding | 7 months | 80% of the Annual Premium For a period not exceeding | 8 months | 90% of the Annual Premium For a period exceeding | 8 months | The full Annual Premium","sources":[{"clause":"7.2","heading":"Cancellation","page":18,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/contaminated-products-insurance-irdan152cplb1410v01202627/document/18583#c-7-2"}],"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":"quote-verified","value":"The policy applies to an Insured Event anywhere in the world.","display":"Anywhere in the world","note":null,"quote":"This Policy applies to an Insured Event anywhere in the world.","sources":[{"clause":"7.15","heading":"Territory","page":21,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/contaminated-products-insurance-irdan152cplb1410v01202627/document/18583#c-7-15"}],"law":[]},{"key":"subject_covered","label":"What is insured","section":"Cover","meaning":"The thing or risk this policy covers.","status":"quote-verified","value":"The policy indemnifies the insured for Loss, in excess of the applicable Self Insured Retention up to the applicable Limit of Liability, arising out of an Insured Event. Insured Product(s) are topical and ingestible products for human use or consumption, or their ingredients, components or packaging, that have been disclosed to the insurer and meet the policy definition.","display":"Loss arising out of an Insured Event affecting disclosed topical and ingestible Insured Product(s)","note":null,"quote":"Insurer will indemnify the Insured for Loss , in excess of the applicable | Self Insured Retention up to the applicable Limit of Liability specified in the Schedule , arising out of an Insured Event ... Insured Product(s) means: a) All topical and ingestible products for human use or consumption, or any of their ingredients, components or packaging, that have been disclosed to Insurer on the Proposal or by addendum to the Proposal","sources":[{"clause":"1","heading":"Insuring Clause","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/contaminated-products-insurance-irdan152cplb1410v01202627/document/18583#c-1"},{"clause":"4.20","heading":"Insured Product(s)","page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/contaminated-products-insurance-irdan152cplb1410v01202627/document/18583#c-4-20"}],"law":[]}],"documents":[{"kind":"wording","label":"Contaminated Products Insurance- Endorsement Wordings","pages":10,"fetched_at":"2026-10-17 20:29:05+00","source_url":"https://cms.zurichkotak.com/uploads/Endorsement_Wordings_CPI_bb49bbd6bb.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/contaminated-products-insurance-irdan152cplb1410v01202627/document/18581"},{"kind":"wording","label":"Contaminated Products Insurance - UIN (IRDAN152CPLB1410V01202627)","pages":24,"fetched_at":"2026-10-17 20:29:03+00","source_url":"https://cms.zurichkotak.com/uploads/Policy_Wordings_CPI_dc7b416cf1.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/contaminated-products-insurance-irdan152cplb1410v01202627/document/18583"},{"kind":"prospectus","label":"Contaminated Products Insurance - UIN (IRDAN152CPLB1410V01202627)","pages":4,"fetched_at":"2026-10-17 20:27:15+00","source_url":"https://cms.zurichkotak.com/uploads/Prospectus_CPI_bf8cc9772f.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/contaminated-products-insurance-irdan152cplb1410v01202627/document/18528"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Zurich Kotak General Insurance ( ) official website","url":"https://www.zurichkotak.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.zurichkotak.com/services/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 process","url":"https://www.zurichkotak.com/customer-support/grievance-redressal-process","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":"Renewals","url":"https://www.zurichkotak.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":"Contaminated Products Insurance (UIN IRDAN152CPLB1410V01202627), IndiaInsurances, https://indiainsurances.com/policy/zurich-kotak-general-insurance/contaminated-products-insurance-irdan152cplb1410v01202627"}