{"uin":"IRDAN152RP0002V01202021","name":"Kotak Bharat Griha Raksha","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-griha-raksha-irdan152rp0002v01202021","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":"home","category_name":"Home insurance","irdai_type":"Main product","kind":"product","status":"active","approved_on":"2021-03-30","withdrawn_on":null,"summary":"Kotak Bharat Griha Raksha covers a home building and/or home contents against listed insured events including fire, earthquake, flood and theft within 7 days of an insured event. Home building sum insured is based on prevailing cost of construction, general contents have a built-in cover of 20% of the building sum insured up to ` 10 Lakh when both covers are opted, and underinsurance does not apply.","analysis":{"state":"machine","analysed_at":"2026-10-20 05:26:16.755176+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"The wording does not list named plan variants inside the product.","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 wording defines the Policy Period by reference to the Policy Schedule, but does not state a fixed term.","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 notice of loss or damage must be given to the insurer. The claim form must be submitted at the earliest opportunity, but within 30 days from the date the loss or damage is first noticed.","display":"Immediate notice; claim form within 30 days from first noticing the loss or damage.","note":null,"quote":"As soon as any physical loss or damage occurs to Your Home\nFor a period not exceeding 7 months | 25% of the Annual premium\nBuilding or Home Contents due to an Insured Event, You must\nFor a period not exceeding 8 months | 20% of the Annual premium\nimmediately 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":"6(III)(a)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-griha-raksha-irdan152rp0002v01202021/document/26790#c-6-iii-a-2"},{"clause":"6(IV)(a)(i)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-griha-raksha-irdan152rp0002v01202021/document/26790#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","photographs of loss or physical damage, wherever possible","plans, specification books, vouchers, invoices","authority to see the relevant records and get information about the Event and Your loss from the police or any other authority","Death Certificate and Post Mortem report (wherever necessary)"],"display":"Claim form; photographs where possible; plans, specification books, vouchers and invoices; authority for police or other authority records; death certificate and post mortem report for Personal Accident.","note":null,"quote":"submit photographs of loss or physical damage, wherever possible. ... Claim form: ... You must submit Your claim in Our claim form at the earliest opportunity, but within 30 days from the date You first notice the loss or damage. ... You must support Your claim for Home Building and/or Home Contents with plans, specification books, vouchers, invoices pertaining to costs incurred by You for reconstruction/replacement/repairs. ... You must give Us authority to see the relevant records and get information about the Event and Your loss from the police or any other authority. ... For Optional Cover of Personal Accident, Death Certificate and Post Mortem report (wherever necessary) shall be submitted.","sources":[{"clause":"6(ix)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-griha-raksha-irdan152rp0002v01202021/document/26790#c-6-ix"},{"clause":null,"heading":"4. Submit claim","page":6,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-griha-raksha-irdan152rp0002v01202021/document/26790#c-4-submit-claim"},{"clause":"6(IV)(a)(i)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-griha-raksha-irdan152rp0002v01202021/document/26790#c-6-iv-a-i"},{"clause":null,"heading":"5. Establish loss","page":6,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-griha-raksha-irdan152rp0002v01202021/document/26790#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":"The wording says the insurer will settle within policy limits and terms, but does not state a claim settlement time.","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","War, invasion, act of foreign enemy hostilities or war-like operations","Ionising radiation or contamination by radioactivity","Pollution or contamination","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":"Main exclusions include deliberate acts, war, nuclear radiation, pollution or contamination, electrical/electronic damage by short circuit etc., bullion and similar property, missing or mislaid property, property removed from home, consequential loss, reduction in market value, additions over 10% carpet area 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.\n2. War, invasion, act of foreign enemy hostilities or war-like operations (whether war is declared or not), civil war, mutiny, civil commotion amounting to a popular rising, military rising, rebellion, revolution, insurrection or military or usurped power.\n3. Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from combustion of nuclear fuel, or the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component that is part of it.\n4. Pollution or contamination, unless ... 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.\n6. Loss or damage to bullion or unset precious stones, manuscripts, plans, drawings, securities, obligations or documents of any kind, coins or paper money, cheques, vehicles, and explosive substances unless otherwise expressly stated in the policy.\n7. Loss of any Insured Property which is missing or has been mislaid, or its disappearance cannot be linked to any single identifiable event.\n8. Loss or damage to any Insured Property removed from Your Home to any other place.\n9. Loss of earnings, loss by delay, loss of market or other consequential or indirect loss or damage of any kind or description whatsoever.\n10. Any reduction in market value of any Insured Property after its repair or reinstatement.\n11. Any addition, extension, or alteration to any structure of Your Home Building that increases its Carpet Area by more than 10% of the Carpet Area existing at the Commencement Date or on the date of renewal of this Policy, unless You have paid additional premium and such addition, extension or alteration is added by documents ... 12. Costs, fees or expenses for preparing any claim","sources":[{"clause":null,"heading":"Clause F. Exclusions (What We do not cover) for all covers under","page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-griha-raksha-irdan152rp0002v01202021/document/26790#c-clause-f-exclusions-what-we-do-not-cover-for-all"},{"clause":"6(ii)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-griha-raksha-irdan152rp0002v01202021/document/26790#c-6-ii"},{"clause":"6(III)(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-griha-raksha-irdan152rp0002v01202021/document/26790#c-6-iii-b"}],"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 send the grievance in writing by post or email to the insurer's Grievance Redressal Officer. If it is not resolved within 15 days or the resolution is not satisfactory, the policy says the insured can approach IRDAI's Grievance Redressal Cell before the Insurance Ombudsman route.","display":"First to Kotak General Insurance Grievance Redressal Officer by post or email; if not resolved within 15 days or unhappy with the resolution, approach IRDAI Grievance Redressal Cell.","note":null,"quote":"If You have a grievance about any matter relating to the Policy, or Our decision on any matter, or the claim, You can address Your grievance as follows:\n1. Our Grievance Redressal Officer | V1: Page 7: Kotak Mahindra General Insurance Company Ltd., Kotak Bharat Griha Raksha Policy UIN:IRDAN152RP0002V01202021; Policy and Special Clause Wording\nYou can send Your grievance in writing by post or email to Our Grievance Redressal Officer at the following address:\nKotak General Insurance 2nd Floor, Zone II, Building No.21, Infinity IT park, Off Western Express Highway, Goregaon, Mulund Link Road, Malad (E), Mumbai - 400097. Email- grievanceofficer@kotak.com ... In case it is not resolved within 15 days or if You are unhappy with the resolution You can approach the Grievance Redressal Cell of the Consumer Affairs Department of IRDAI by calling Toll Free Number 155255 (or) 1800 4254 732 or sending an e-mail to complaints@irdai.gov.in.","sources":[{"clause":null,"heading":"Clause K. Grievances","page":7,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-griha-raksha-irdan152rp0002v01202021/document/26790#c-clause-k-grievances"},{"clause":"8(a)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-griha-raksha-irdan152rp0002v01202021/document/26790#c-8-a-4"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["Fire","Explosion or Implosion","Lightning","Earthquake, volcanic eruption, or other convulsions of nature","Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Tsunami, Flood and Inundation","Subsidence of the land on which Your Home Building stands, Landslide, Rockslide","Bush fire, Forest fire, Jungle fire","Impact damage of any kind","Missile testing operations","Riot, Strikes, Malicious Damages","Acts of terrorism","Bursting or overflowing of water tanks, apparatus and pipes.","Leakage from automatic sprinkler installations.","Theft within 7 (seven) days from the occurrence of and proximately caused by any of the above Insured Events."],"display":"Fire; explosion or implosion; lightning; earthquake, volcanic eruption or other convulsions of nature; storm/cyclone/typhoon/tempest/hurricane/tornado/tsunami/flood/inundation; subsidence/landslide/rockslide; bush/forest/jungle fire; impact damage; missile testing operations; riot/strikes/malicious damages; terrorism; bursting or overflowing water tanks, apparatus and pipes; sprinkler leakage; theft within 7 days caused by an insured event.","note":null,"quote":"1 Fire | caused by burning of Insured Property by order of any Public Authority.\n2 Explosion or Implosion | -\n3 Lightning | -\n4 Earthquake, volcanic eruption, or other convulsions of nature | -\n5 Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Tsunami, Flood and Inundation | -\n6 Subsidence of the land on which Your Home Building stands, Landslide, Rockslide | caused by a. normal cracking, settlement or bedding down of new structures, b. the settlement or movement of made up ground, c. coastal or river erosion, d. defective design or workmanship or use of defective materials, or e. demolition, construction, structural alterations or repair of any property, or groundworks or excavations.\nV1: Page 3: Kotak Mahindra General Insurance Company Ltd., Kotak Bharat Griha Raksha Policy UIN:IRDAN152RP0002V01202021; Policy and Special Clause Wording\n7 Bush fire, Forest fire, Jungle fire | -\n8 Impact damage of any kind, i.e., damage caused by impact of, or collision caused by any external physical object (e.g. vehicle, falling trees, aircraft, wall etc.) | caused by pressure waves caused by aircraft or other aerial or space devices travelling at sonic or supersonic speeds.\n9 Missile testing operations | -\n10 Riot, Strikes, Malicious Damages | caused by a. temporary or permanent dispossession, confiscation, commandeering, requisition or destruction by order of the government or any lawful authority, or b. temporary or permanent dispossession of Your Home by unlawful occupation by any person.\n11 Acts of terrorism (Coverage as per Terrorism Clause attached) | Exclusions and Excess as per Terrorism Clause attached.\n12 Bursting or overflowing of water tanks, apparatus and pipes. | -\n13 Leakage from automatic sprinkler installations. | a. repairs or alterations in Your Home or the building in which Your Home is located, b. repairs, removal or extension of any sprinkler installation, or c. defects in the construction known to You.\n14 Theft within 7 (seven) days from the occurrence of and proximately caused by any of the above Insured Events. | if it is a. of any article or thing outside Your Home, or 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":3,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-griha-raksha-irdan152rp0002v01202021/document/26790#c-clause-b-insured-events"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"quote-verified","value":"For sabotage and/or terrorism cover, Shops & Residential Risks have an excess of 1% of the claim amount for each and every claim, subject to a minimum of ` 10,000 and maximum of ` 500,000.","display":"Terrorism cover for Shops & Residential Risks: 1% of claim amount, minimum ` 10,000 and maximum ` 500,000.","note":"The cited excess is in the Sabotage and Terrorism Damage Cover Endorsement. The base wording does not state a general excess for other insured events.","quote":"EXCESS * | CANCELLATION CLAUSE\nNotwithstanding the cancellation provisions relating to the basic\nShops & Residential Risks: 1% of the claim amount for each and every | insurance policy on which this endorsement is issued, there shall be no\nclaim subject to Minimum of ` 10,000 and Maximum of ` 500,000","sources":[{"clause":null,"heading":"LOSSES EXCLUDED","page":9,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-griha-raksha-irdan152rp0002v01202021/document/26790#c-losses-excluded"}],"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 may cancel at any time by written notice; the policy terminates when the insurer receives the notice. For annual policies, refund is 90% up to 15 days, 85% up to 1 month, 70% up to 2 months, 60% up to 3 months, 50% up to 4 months, 40% up to 5 months, 30% up to 6 months, 25% up to 7 months, 20% up to 8 months, 15% up to 9 months, and no refund after 9 months; for policies over 1 year, the same scale applies to the running year and remaining full policy years are refunded pro-rata.","display":"Written notice; annual-policy refund scale from 90% up to 15 days down to 15% up to 9 months, with full annual premium retained after 9 months; for tenures over 1 year, running-year scale plus pro-rata refund for remaining full policy years.","note":null,"quote":"You can cancel this Policy at any time by giving Us notice in writing. The Policy will terminate when We receive Your notice. ... If You cancel the policy, We will refund premium as follows:\nTime for which Policy in force | Refund of premium\nEndorsement.\nFor a period not exceeding 15 days | 90% of the Annual premium\n12. Costs, fees or expenses for preparing any claim\nFor a period not exceeding 1 month | 85% of the Annual premium\nClause G. Conditions\nFor a period not exceeding 2 months | 70% of the Annual premium\n(I) Your Obligations\nFor a period not exceeding 3 months | 60% of the Annual premium\nMake true and full disclosure in the proposal and related\nFor a period not exceeding 4 months | 50% of the Annual premium\nand that You must not do. It is important to comply with these to ensure that it does not prejudice Your claim in any manner.\nFor a period not exceeding 5 months | 40% of the Annual premium\nImmediate notice to Us\nFor a period not exceeding 6 months | 30% of the Annual premium ... For a period not exceeding 7 months | 25% of the Annual premium\nBuilding or Home Contents due to an Insured Event, You must\nFor a period not exceeding 8 months | 20% of the Annual premium\nimmediately give notice to Us of the loss or damage. This is necessary for Us to survey/ investigate the loss or damage, as\nFor a period not exceeding 9 months | 15% of the Annual premium\nmay be required.\nFor a period exceeding 9 months | The full Annual premium to be retained ... We will refund the premium as per the scales mentioned above for the year of cancellation (running policy year) and the balance premium, computed on a pro-rata basis for remaining full policy years, if any, will be refundable to You.","sources":[{"clause":"6(III)(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-griha-raksha-irdan152rp0002v01202021/document/26790#c-6-iii-a"},{"clause":"6(III)(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-griha-raksha-irdan152rp0002v01202021/document/26790#c-6-iii-b"},{"clause":"6(III)(a)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-griha-raksha-irdan152rp0002v01202021/document/26790#c-6-iii-a-2"},{"clause":null,"heading":"The above grid will be applicable for Annual policies For policies issued for tenure greater than 1 year, the","page":6,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-griha-raksha-irdan152rp0002v01202021/document/26790#c-the-above-grid-will-be-applicable-for-annual-pol"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"not-stated","value":null,"display":null,"note":"The wording refers to the home or locations in the Policy Schedule, but does not state a geographic territory of cover.","quote":null,"sources":[],"law":[]},{"key":"building_cover","label":"Building cover","section":"Cover","meaning":"Cover for the structure and how its value is set.","status":"quote-verified","value":"The policy covers physical loss or damage, or destruction of the Home Building due to insured events. Home Building means the residential unit, including fixtures and fittings, specified additional structures on the same site, and any other structure shown in the Policy Schedule; the Home Building sum insured is the prevailing Cost of Construction at the commencement date.","display":"Covers physical loss/damage/destruction of the Home Building due to insured events; includes residential unit, fixtures/fittings and listed additional structures; sum insured is prevailing Cost of Construction at commencement.","note":null,"quote":"We cover physical loss or damage, or destruction of Your Home Building because of any Insured Event listed in Clause B of this Policy. ... a) Your Home Building is a building consisting of a residential unit, having an enclosed structure and a roof, basement (if\nany) and used as a dwelling place.\nb) Your Home Building includes ... fixtures and fittings permanently attached to the floor, walls or roof, like fixed sanitary fittings, electrical wiring and other permanent fittings. ... any other structure shown in the Policy Schedule.\nc. Your Home Building does not include Contents of Your Home. ... 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":"Clause C: Home Building Cover 1. What We cover","page":3,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-griha-raksha-irdan152rp0002v01202021/document/26790#c-clause-c-home-building-cover-1-what-we-cover"},{"clause":null,"heading":"Your Home Building","page":3,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-griha-raksha-irdan152rp0002v01202021/document/26790#c-your-home-building"},{"clause":"4(b)(i)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-griha-raksha-irdan152rp0002v01202021/document/26790#c-4-b-i"},{"clause":null,"heading":"4. Sum Insured","page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-griha-raksha-irdan152rp0002v01202021/document/26790#c-4-sum-insured"}],"law":[]},{"key":"contents_cover","label":"Contents cover","section":"Cover","meaning":"Cover for household goods, jewellery and valuables, and limits.","status":"quote-verified","value":"The policy covers physical loss or damage to or destruction of General Contents caused by insured events. Valuable Contents are not covered unless the optional Valuable Contents cover is purchased; built-in General Contents cover is 20% of the Home Building sum insured, up to ` 10 Lakh, when both Home Building and Home Contents cover are opted, with higher contents sum insured available by declaration and additional premium.","display":"General Contents covered for insured events; built-in 20% of Home Building SI up to ` 10 Lakh if both building and contents are opted; Valuable Contents only if optional cover is bought, on agreed value basis.","note":"Valuation certificate is waived if the Valuable Contents sum insured is up to ` 5 Lakh and individual item value does not exceed ` 1 Lakh.","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\nContents cover. If You choose to have a higher Sum Insured for | V1: Page 4: Kotak Mahindra General Insurance Company Ltd., Kotak Bharat Griha Raksha Policy UIN:IRDAN152RP0002V01202021; Policy and Special Clause Wording\nHome Contents, You have to declare the Sum Insured in the Proposal Form and pay additional premium. ... Cover for Valuable Contents on Agreed Value Basis (under Home Contents cover):\nFor Valuable Contents, a value may be agreed upon by You and Us based on a valuation certificate submitted by You and accepted by Us.","sources":[{"clause":null,"heading":"Clause D: Home Contents Cover","page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-griha-raksha-irdan152rp0002v01202021/document/26790#c-clause-d-home-contents-cover"},{"clause":"6(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-griha-raksha-irdan152rp0002v01202021/document/26790#c-6-b-2"},{"clause":"6(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-griha-raksha-irdan152rp0002v01202021/document/26790#c-6-a-4"}],"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. It does not state a general burglary cover.","display":"Theft covered only within 7 days from and proximately caused by an insured event; general burglary cover is not stated.","note":null,"quote":"14 Theft within 7 (seven) days from the occurrence of and proximately caused by any of the above Insured Events. | if it is a. of any article or thing outside Your Home, or 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":3,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-griha-raksha-irdan152rp0002v01202021/document/26790#c-clause-b-insured-events"}],"law":[]},{"key":"rent_loss","label":"Rent and alternative accommodation","section":"Cover","meaning":"Cover for rent lost or a temporary home after damage.","status":"quote-verified","value":"The Home Building cover pays the rent lost or alternative rent paid while the Home Building is not fit for living because of physical loss from an insured event. The cover is for the reasonable repair time, with a maximum period of three years from the date the Home Building becomes unfit for living.","display":"Loss of rent or alternative accommodation rent while the Home Building is unfit for living due to an insured event; maximum period three years.","note":"For a tenant paying higher rent for alternative accommodation, the policy pays the difference between the alternative rent and the rent of the Home Building, for accommodation not superior and in the same city.","quote":"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: ... This cover will be available for the reasonable time required to repair Your Home Building to make it fit for living. The maximum period of this cover is three years from the date Your Home Building becomes unfit for living.","sources":[{"clause":null,"heading":"Clause C: Home Building Cover 1. What We cover","page":3,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-griha-raksha-irdan152rp0002v01202021/document/26790#c-clause-c-home-building-cover-1-what-we-cover"},{"clause":"6","heading":"Loss f Rent and Rent for Alternative Accommodation: In","page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-griha-raksha-irdan152rp0002v01202021/document/26790#c-6"},{"clause":"6(d)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-griha-raksha-irdan152rp0002v01202021/document/26790#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":"Home Building sum insured is the prevailing Cost of Construction at the commencement date. General Contents sum insured must be enough to cover replacement cost, and Valuable Contents optional cover is on agreed value basis.","display":"Home Building: prevailing Cost of Construction at commencement; General Contents: replacement cost; Valuable Contents: 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. ... Cover for Valuable Contents on Agreed Value Basis (under Home Contents cover):\nFor Valuable Contents, a value may be agreed upon by You and Us based on a valuation certificate submitted by You and accepted by Us.","sources":[{"clause":null,"heading":"4. Sum Insured","page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-griha-raksha-irdan152rp0002v01202021/document/26790#c-4-sum-insured"},{"clause":"6(d)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-griha-raksha-irdan152rp0002v01202021/document/26790#c-6-d-2"},{"clause":"6(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-griha-raksha-irdan152rp0002v01202021/document/26790#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 to the Bharat Griha Raksha Policy. If the sum insured calculated on the basis of the insured's information is less than the actual value at risk, the difference will not affect the amount paid.","display":"Underinsurance does not apply; if sum insured is less than actual value at risk, the difference will not affect the amount paid.","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":7,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-griha-raksha-irdan152rp0002v01202021/document/26790#c-clause-i-waiver-of-underinsurance"}],"law":[]}],"documents":[{"kind":"wording","label":"Kotak Bharat Griha Raksha (IRDAI copy)","pages":10,"fetched_at":"2026-10-20 01:35:40+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN152RP0002V01202021_GEN3993.pdf/ec47627c-7ab0-110c-98ed-402f607a7330?version=1.1&t=1668237452585&download=true","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-griha-raksha-irdan152rp0002v01202021/document/26790"}],"versions":[{"uin":"GEN3993","version":null,"approved_on":null},{"uin":"IRDAN152RP0002V01202021","version":null,"approved_on":null}],"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":"Kotak Bharat Griha Raksha (UIN IRDAN152RP0002V01202021), IndiaInsurances, https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-griha-raksha-irdan152rp0002v01202021"}