{"uin":"IRDAN152RP0002V02202021","name":"Zurich Kotak Bharat Griha Raksha","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-kotak-bharat-griha-raksha-irdan152rp0002v02202021","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":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Zurich Kotak Bharat Griha Raksha covers the home building and/or general contents against listed insured events such as fire, earthquake, storm, flood, riot, terrorism and theft within 7 days of an insured event. The policy can be bought for one year or more than one year up to 10years, has NIL deductible except terrorism excess as per the Policy Schedule/Wording, and underinsurance does not apply.","analysis":{"state":"machine","analysed_at":"2026-10-20 06:35:27.41867+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"The documents describe covers and optional covers, but do not name any plan variants.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"The policy can be bought for one year or more than one year, but the policy duration cannot exceed 10years.","display":"One year or more than one year, up to 10years","note":null,"quote":"The cover protects You during the period of the policy. You can buy the policy for one year or more than one year but the policy duration cannot exceed 10years.","sources":[{"clause":null,"heading":"How long does this cover protect me?","page":6,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-kotak-bharat-griha-raksha-irdan152rp0002v02202021/document/18316#c-how-long-does-this-cover-protect-me"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Notice of loss or damage must be given immediately. The claim form must be submitted at the earliest opportunity, but within 30 days from the date You first notice the loss or damage.","display":"Immediate notice; claim form within 30 days from first noticing the loss or damage","note":null,"quote":"As soon as any physical loss or damage occurs to Your Home Building or Home Contents due to an Insured Event, You must immediately give notice to Us of the loss or damage. ... You must submit Your claim in Our claim form at the earliest opportunity, but within 30 days from the date You first notice the loss or damage.","sources":[{"clause":null,"heading":"1. Immediate notice to Us","page":17,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-kotak-bharat-griha-raksha-irdan152rp0002v02202021/document/18199#c-1-immediate-notice-to-us"},{"clause":"6(IV)(a)(i)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-kotak-bharat-griha-raksha-irdan152rp0002v02202021/document/18199#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, duly filled in and signed by the Insured.","Documents to establish Insurable interest","Documents to establish admissibility of the loss under the policy","Loss supporting documents","Documents to substantiate policy Sum Insured","Any other document/s required by the surveyor/company","plans, specification books, vouchers, invoices pertaining to costs incurred by You for reconstruction/replacement/repairs","For Optional Cover of Personal Accident, Death Certificate and Post Mortem report (wherever necessary)"],"display":"Claim form; insurable-interest, admissibility, loss-supporting and sum-insured documents; other surveyor/company documents; repair/reconstruction invoices; PA death certificate and post mortem where necessary","note":"Death Certificate and Post Mortem report apply to the Optional Cover of Personal Accident.","quote":"Following documents will be called from the insured immediately after receiving the notice of loss.\n1) Claim form, duly filled in and signed by the Insured.\n2) Documents to establish Insurable interest\n3) Documents to establish admissibility of the loss under the policy\n4) Loss supporting documents\n5) Documents to substantiate policy Sum Insured\n6) Any other document/s required by the surveyor/company ... You must support Your claim for Home Building and/or Home Contents with plans, specification books, vouchers, invoices pertaining to costs incurred by You for reconstruction/replacement/repairs. ... For Optional Cover of Personal Accident, Death Certificate and Post Mortem report (wherever necessary) shall be submitted.","sources":[{"clause":"9","heading":"General list of documents to be submitted by the Insured","page":19,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-kotak-bharat-griha-raksha-irdan152rp0002v02202021/document/18199#c-9"},{"clause":null,"heading":"5. Establish loss","page":18,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-kotak-bharat-griha-raksha-irdan152rp0002v02202021/document/18199#c-5-establish-loss"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"Surveyor appointment is within 24 hours of reporting of claim, final survey report within 15 days of allocation, and claim settlement within 7 days of receipt of the survey report or after expiry of 15 days from allocation of the claim to the surveyor, whichever is earlier.","display":"Surveyor within 24 hours; final report within 15 days; settlement within 7 days of survey report or after 15 days from allocation, whichever is earlier","note":"The timeline does not apply in case of policies issued on the property/building on reinstatement value basis.","quote":"Appointment of surveyor | Within 24 hours of reporting of claim\nSubmission of final survey report | Within 15 days of allocation\nSettlement of claims | Within 7 days of receipt of the survey report or after expiry of 15 days from allocation of the claim to the surveyor whichever is earlier*\n*This timeline will not apply in case of policies issued on the property/building on reinstatement value basis.","sources":[{"clause":"10","heading":"Turn Around Time (TAT) for claims settlement","page":19,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-kotak-bharat-griha-raksha-irdan152rp0002v02202021/document/18199#c-10"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Your deliberate, wilful or intentional act or ommission, or of anyone on Your behalf, or with Your connivance.","War, invasion, act of foreign enemy hostilities or war-like operations (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.","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.","Pollution or contamination, unless the pollution or contamination itself has resulted from an Insured Event, or an Insured Event itself results from pollution or contamination.","Loss, damage or destruction to any electrical/electronic machine, apparatus, fixture, or fitting by over-running, excessive pressure, short circuiting, arcing, self-heating or leakage of electricity from whatever cause (lightning included).","Loss or damage to bullion or unset precious stones, manuscripts, plans, drawings, securities, obligations or documents of any kind, coins or paper money, cheques, vehicles, and explosive substances unless otherwise expressly stated in the policy.","Loss of any Insured Property which is missing or has been mislaid, or its disappearance cannot be linked to any single identifiable event.","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 of any kind or description whatsoever.","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% of the Carpet Area existing at the Commencement Date or on the date of renewal of this Policy, unless You have paid additional premium and such addition, extension or alteration is added by Endorsement.","Costs, fees or expenses for preparing any claim."],"display":"Deliberate acts; war; nuclear/radiation; pollution except insured-event links; electrical self-damage; bullion/documents/vehicles/explosives; missing property; property removed from home; consequential loss; market-value reduction; building additions over 10% unless endorsed; 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 ... i) the pollution or contamination itself has resulted from an Insured Event, or ... ii) an Insured Event itself results from pollution or contamination.\n5. 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 Endorsement.\n12. Costs, fees or expenses for preparing any claim.","sources":[{"clause":"6(b)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-kotak-bharat-griha-raksha-irdan152rp0002v02202021/document/18199#c-6-b-4"},{"clause":"6(b)(i)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-kotak-bharat-griha-raksha-irdan152rp0002v02202021/document/18199#c-6-b-i"},{"clause":"6(b)(ii)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-kotak-bharat-griha-raksha-irdan152rp0002v02202021/document/18199#c-6-b-ii"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First send the grievance in writing by post or email to the insurer's Grievance Redressal Officer at Zurich Kotak General Insurance Company (India) Limited, 401,4th Floor, Silver Metropolis, Jai Coach Compound, Off Western Express Highway, Goregaon (East), Mumbai- 400063. Maharashtra, India, Email- grievanceofficer@zurichkotak.com.","display":"First write to the Grievance Redressal Officer at the Goregaon (East), Mumbai address or grievanceofficer@zurichkotak.com","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: ... You can send Your grievance in writing by post or email to Our Grievance Redressal Officer at the following address:\nZurich Kotak General Insurance Company (India) Limited, 401,4th Floor, Silver Metropolis, Jai Coach Compound, Off Western Express Highway, Goregaon (East), Mumbai- 400063. Maharashtra, India. Email- grievanceofficer@zurichkotak.com","sources":[{"clause":null,"heading":"Clause K. Grievances","page":20,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-kotak-bharat-griha-raksha-irdan152rp0002v02202021/document/18199#c-clause-k-grievances"},{"clause":null,"heading":"1. Our Grievance Redressal Officer","page":20,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-kotak-bharat-griha-raksha-irdan152rp0002v02202021/document/18199#c-1-our-grievance-redressal-officer"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["Fire","Explosion or Implosion","Lightning","Earthquake, volcanic eruption, or other convulsions of nature","Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Tsunami, Flood and Inundation","Subsidence of the land on which Your Home Building stands, Landslide, Rockslide","Bush fire, Forest fire, Jungle fire","Impact damage of any kind, i.e., damage caused by impact of, or collision caused by any external physical object (e.g. vehicle, falling trees, aircraft, wall etc.)","Missile testing operations","Riot, Strikes, Malicious Damages","Acts of terrorism (Coverage as per Terrorism Clause attached)","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/convulsions; storm/cyclone/typhoon/tempest/hurricane/tornado/tsunami/flood/inundation; subsidence/landslide/rockslide; bush/forest/jungle fire; impact damage; missile testing; riot/strikes/malicious damage; terrorism; bursting/overflowing water tanks, apparatus and pipes; sprinkler leakage; theft within 7 days from an insured event","note":"The quoted table also states event-specific exclusions for some perils.","quote":"1 | Fire | caused by burning of Insured Property by order of any Public Authority. ... 2 | Explosion or Implosion | - ... 3 | Lightning | - ... 4 | Earthquake, volcanic eruption, or other convulsions of nature | -\n5 | Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Tsunami, Flood and Inundation | -\n6 | Subsidence of the land on which Your Home Building stands, Landslide, Rockslide | caused by a. normal cracking, settlement or bedding down of new structures, b. the settlement or movement of made up ground, c. coastal or river erosion, d. defective design or workmanship or use of defective materials, or ... 7 | 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":"Row 1","heading":"Fire","page":9,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-kotak-bharat-griha-raksha-irdan152rp0002v02202021/document/18199#c-row-1-2"},{"clause":"Row 2","heading":"Explosion or Implosion","page":9,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-kotak-bharat-griha-raksha-irdan152rp0002v02202021/document/18199#c-row-2-2"},{"clause":"Row 3","heading":"Lightning","page":9,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-kotak-bharat-griha-raksha-irdan152rp0002v02202021/document/18199#c-row-3"},{"clause":"Row 4","heading":"Earthquake, volcanic eruption, or other convulsions of nature","page":9,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-kotak-bharat-griha-raksha-irdan152rp0002v02202021/document/18199#c-row-4"},{"clause":null,"heading":"Clause B. Insured Events","page":10,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-kotak-bharat-griha-raksha-irdan152rp0002v02202021/document/18199#c-clause-b-insured-events-2"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"quote-verified","value":"Deductible is NIL. Terrorism Excess is as per Policy Schedule/Wording.","display":"Deductible: NIL; Terrorism Excess: As per Policy Schedule/Wording","note":null,"quote":"8 | Loss Participation | Deductible: NIL Terrorism Excess: As per Policy Schedule/Wording","sources":[{"clause":null,"heading":"Cover for Valuable Contents on Agreed Value Basis (under Home","page":2,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-kotak-bharat-griha-raksha-irdan152rp0002v02202021/document/18182#c-cover-for-valuable-contents-on-agreed-value-basi"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"You can cancel at any time during the term by written notice. For a policy term up to one year, the insurer refunds proportion premium for the unexpired policy period if no claim has been made; for a term more than one year, it refunds premium for the unexpired policy period for policy years whose risk coverage has not commenced.","display":"Written cancellation anytime; refund proportion premium for unexpired period for term up to one year if no claims, or unexpired policy years not commenced for term more than one year","note":null,"quote":"You can cancel this Policy at any time during the term without assigning any reason, by giving Us notice in writing. We shall-\n• Refund proportion premium for unexpired policy period, if the term of the policy is upto one year and there is no claim(s) made during the policy period.\n• Refund premium for the unexpired policy period, in respect of policy with the term more than one year and the risk coverage for such policy years has not commenced.","sources":[{"clause":null,"heading":"1. Cancellation by You at any Time","page":16,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-kotak-bharat-griha-raksha-irdan152rp0002v02202021/document/18199#c-1-cancellation-by-you-at-any-time"}],"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 documents refer to the risk location and the Home, but do not state a geographic territory such as India only or worldwide.","quote":null,"sources":[],"law":[]},{"key":"building_cover","label":"Building cover","section":"Cover","meaning":"Cover for the structure and how its value is set.","status":"quote-verified","value":"The Home Building Cover covers physical loss, damage or destruction of the Home Building because of any Insured Event, including fixtures and fittings and listed additional structures. The Sum Insured is the prevailing Cost of Construction of the Home Building at the Commencement Date as declared and accepted, and is the maximum amount payable for a Total Loss.","display":"Home Building physical loss/damage/destruction by insured events; includes fixtures, fittings and additional structures; SI based on prevailing Cost of Construction at commencement","note":null,"quote":"We cover physical loss or damage, or destruction of Your Home Building because of any Insured Event listed in Clause B of this Policy. ... Your Home Building includes\ni) fixtures and fittings permanently attached to the floor, walls or roof, like fixed sanitary fittings, electrical wiring and other permanent fittings.\nii) the following ‘additional structures’ if they are on the same site, and are used as part of Your Home Building: ... The Sum Insured for the Home Building Cover is the prevailing Cost of Construction of Your Home Building at the Commencement Date as declared by You and accepted by Us and will be the maximum amount payable in the event the Home Building is a Total Loss.","sources":[{"clause":null,"heading":"Clause C: Home Building Cover 1. What We cover","page":10,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-kotak-bharat-griha-raksha-irdan152rp0002v02202021/document/18199#c-clause-c-home-building-cover-1-what-we-cover"},{"clause":null,"heading":"2. Your Home Building","page":10,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-kotak-bharat-griha-raksha-irdan152rp0002v02202021/document/18199#c-2-your-home-building"},{"clause":null,"heading":"4. Sum Insured","page":11,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-kotak-bharat-griha-raksha-irdan152rp0002v02202021/document/18199#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, damage or destruction of the General Contents of the Home caused by an Insured Event. Valuable Contents are not covered unless the optional cover is purchased; when both Home Building and Home Contents cover are opted for, General Contents have built-in cover equal to 20% of the Home Building Sum Insured, subject to a maximum of ₹ 10 Lakh, unless a higher Sum Insured is declared and additional premium paid.","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 by optional cover","note":null,"quote":"We cover the physical loss or damage to or destruction of the General Contents of Your Home caused by an Insured Event as listed in Clause B of this Policy. Valuable Contents of Your Home are not covered under this Policy unless You have purchased the optional cover for the Valuable Contents. ... The policy has a built-in cover for the General Contents of Your home equal to 20% of the Sum Insured for Home Building Cover subject to a maximum of ₹ 10 Lakh (Rupees Ten Lakh) provided You have opted for both Home Building and Home Contents cover. If You choose to have a higher Sum Insured for Home Contents, You have to declare the Sum Insured in the Proposal Form and pay additional premium.","sources":[{"clause":null,"heading":"Clause D: Home Contents Cover","page":12,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-kotak-bharat-griha-raksha-irdan152rp0002v02202021/document/18199#c-clause-d-home-contents-cover"},{"clause":"6(b)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-kotak-bharat-griha-raksha-irdan152rp0002v02202021/document/18199#c-6-b-2"}],"law":[]},{"key":"burglary","label":"Burglary and theft","section":"Cover","meaning":"Whether burglary is covered.","status":"quote-verified","value":"The policy covers theft only when it occurs within 7 (seven) days from the occurrence of, and is proximately caused by, the insured events. It does not cover theft of articles outside the Home or attached from outside the outer walls or roof unless securely mounted.","display":"Theft within 7 (seven) days from, and proximately caused by, an insured event; outside/externally attached items excluded unless securely mounted","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":10,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-kotak-bharat-griha-raksha-irdan152rp0002v02202021/document/18199#c-clause-b-insured-events-2"}],"law":[]},{"key":"rent_loss","label":"Rent and alternative accommodation","section":"Cover","meaning":"Cover for rent lost or a temporary home after damage.","status":"quote-verified","value":"The policy pays Loss of rent and Rent for Alternative Accommodation to the extent declared by You and agreed by the insurer while the Home Building is not fit for living after an insured event. It is payable for the reasonable time required to repair the Home Building, with a maximum period of three years from the date it becomes unfit for living.","display":"Loss of rent and alternative accommodation while the Home Building is unfit after an insured event, to declared/agreed extent; maximum period three years","note":"A certificate from an architect or the local authority is required to show that the Home Building is not fit for living.","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 ... 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":10,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-kotak-bharat-griha-raksha-irdan152rp0002v02202021/document/18199#c-clause-c-home-building-cover-1-what-we-cover"},{"clause":"6","heading":"Loss of Rent and Rent for Alternative Accommodation","page":12,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-kotak-bharat-griha-raksha-irdan152rp0002v02202021/document/18199#c-6"},{"clause":"6(d)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-kotak-bharat-griha-raksha-irdan152rp0002v02202021/document/18199#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 based on the prevailing Cost of Construction at the Commencement Date. General Contents Sum Insured must be enough to cover the cost of replacement, and Valuable Contents may be covered on an agreed value basis under the optional cover.","display":"Building: prevailing Cost of Construction; General Contents: replacement cost; Valuable Contents optional: agreed value basis","note":"Valuable Contents are optional under the Home Contents cover.","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 ... 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":11,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-kotak-bharat-griha-raksha-irdan152rp0002v02202021/document/18199#c-4-sum-insured"},{"clause":"6(d)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-kotak-bharat-griha-raksha-irdan152rp0002v02202021/document/18199#c-6-d-2"},{"clause":"6(a)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-kotak-bharat-griha-raksha-irdan152rp0002v02202021/document/18199#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 information provided is less than the actual value at risk, the difference will not affect the amount paid.","display":"Underinsurance does not apply; 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":19,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-kotak-bharat-griha-raksha-irdan152rp0002v02202021/document/18199#c-clause-i-waiver-of-underinsurance"}],"law":[]}],"documents":[{"kind":"wording","label":"Zurich Kotak Bharat Griha Raksha UIN :(IRDAN152RP0002V02202021)","pages":30,"fetched_at":"2026-10-17 20:08:42+00","source_url":"https://cms.zurichkotak.com/uploads/Zurich_Kotak_Bharat_Griha_Raksha_Policy_Wordings_9c4b6d564a.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-kotak-bharat-griha-raksha-irdan152rp0002v02202021/document/18199"},{"kind":"prospectus","label":"Zurich Kotak Bharat Griha Raksha-Prospectus - UIN (IRDAN152RP0002V02202021) (Retail)","pages":13,"fetched_at":"2026-10-17 20:15:12+00","source_url":"https://cms.zurichkotak.com/uploads/16_ZK_Bharat_Griha_Raksha_Prospectus_46fc7ffcce_e7b4624a30.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-kotak-bharat-griha-raksha-irdan152rp0002v02202021/document/18316"},{"kind":"cis","label":"Zurich Kotak Bharat Griha Raksha","pages":9,"fetched_at":"2026-10-17 20:07:54+00","source_url":"https://cms.zurichkotak.com/uploads/ZK_Bharat_Griha_Raksha_CIS_25_09_2024_Final_Website_3d7000efad_d63783a8ca.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-kotak-bharat-griha-raksha-irdan152rp0002v02202021/document/18182"},{"kind":"brochure","label":"Zurich Kotak Bharat Griha Raksha","pages":2,"fetched_at":"2026-10-17 20:02:52+00","source_url":"https://cms.zurichkotak.com/uploads/Zurich_Kotak_Bharat_Griha_Raksha_Brochure_ZK_v1_24_25_21082024_6e482c9649.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-kotak-bharat-griha-raksha-irdan152rp0002v02202021/document/18083"},{"kind":"rider","label":"Zurich Kotak Bharat Griha Raksha - Add-on Wordings","pages":5,"fetched_at":"2026-10-17 20:02:50+00","source_url":"https://cms.zurichkotak.com/uploads/Zurich_Kotak_Bharat_Griha_Raksha_Add_on_Wordings_07f153069e.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-kotak-bharat-griha-raksha-irdan152rp0002v02202021/document/18082"}],"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":"Zurich Kotak Bharat Griha Raksha (UIN IRDAN152RP0002V02202021), IndiaInsurances, https://indiainsurances.com/policy/zurich-kotak-general-insurance/zurich-kotak-bharat-griha-raksha-irdan152rp0002v02202021"}