{"uin":"IRDAN152RP0005V02202324","name":"Griha Raksha Plus","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/griha-raksha-plus-irdan152rp0005v02202324","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":"Griha Raksha Plus is a home insurance policy for Home Building and Home Contents, with mandatory property damage cover and optional STFI, earthquake, riot, terrorism and other covers. The base deductible is NIL, underinsurance does not apply, and claim settlement is promised within 7 days of survey report receipt or after 15 days from surveyor allocation, whichever is earlier.","analysis":{"state":"machine","analysed_at":"2026-10-20 06:35:53.476444+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"No named plan variants are stated; the documents list sections, covers and optional covers.","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 runs for the Policy Period shown in the Policy Schedule and expires at the end of that period. The wording contemplates annual policies and long-term policies, including a premium table from 2 years to 10 years and above.","display":"Policy Period shown in the schedule; annual or long-term, including 2 years to 10 years and above","note":"The actual dates are schedule-specific.","quote":"Policy Period | Policy period means the period commencing from the effective date and time as shown in the Policy Schedule and terminating at Midnight on the expiry date as shown in the Policy Schedule or on the termination of or the cancellation of insurance as provided for in Clause G (III) of this Policy, whichever is earlier. ... Duration of Policy | Premium to be charged\n2 Years Policy | 2 years premium in advance less 10% discount\n3 Years Policy | 3 years premium in advance less 15% discount\n4 Years Policy | 4 years premium in advance less 20% discount\n5 Years Policy | 5 years premium in advance less 25% discount\n6 Years Policy | 6 years premium in advance less 30% discount\n7 Years Policy | 7 years premium in advance less 35% discount\n8 Years Policy | 8 years premium in advance less 40% discount\n9 Years Policy | 9 years premium in advance less 45% discount\nPolicy for 10 Years and above | Entire premium in advance less 50% discount ... c) The Sum Insured will be automatically increased each day by an amount representing 1/365th of 10% of Sum Insured at the Policy Commencement Date for annual policies. ... This Policy will expire at the end of the Policy Period.","sources":[{"clause":"4","heading":"Special meaning of certain words","page":6,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/griha-raksha-plus-irdan152rp0005v02202324/document/18345#c-4"},{"clause":"4(b)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/griha-raksha-plus-irdan152rp0005v02202324/document/18345#c-4-b"},{"clause":"4(c)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/griha-raksha-plus-irdan152rp0005v02202324/document/18345#c-4-c"},{"clause":"15(II)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/griha-raksha-plus-irdan152rp0005v02202324/document/18345#c-15-ii-2"}],"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":"Give immediate notice to the insurer as soon as physical loss or damage occurs. Submit the claim form at the earliest opportunity, but within 30 days from the date you first notice the loss or damage.","display":"Immediate notice; claim form within 30 days from first noticing loss or damage","note":null,"quote":"a) 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. This is necessary for Us to survey/ investigate the loss or damage, as may be required. ... i) 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. The claim form is available in any of Our branches, and on Our web-site.","sources":[{"clause":"15(IV)(a)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/griha-raksha-plus-irdan152rp0005v02202324/document/18345#c-15-iv-a"},{"clause":"15(IV)(a)(i)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/griha-raksha-plus-irdan152rp0005v02202324/document/18345#c-15-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"],"display":"Claim form, insurable-interest documents, admissibility documents, loss-supporting documents, sum-insured documents and any other surveyor/company documents","note":null,"quote":"9. General list of documents to be submitted by the Insured 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","sources":[{"clause":"15(IV)(c)","heading":null,"page":24,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/griha-raksha-plus-irdan152rp0005v02202324/document/18345#c-15-iv-c-4"}],"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. This timeline does not apply to policies issued on property/building on reinstatement value basis.","display":"Surveyor within 24 hours; final report within 15 days; settlement within 7 days of survey report or after 15 days from surveyor allocation, whichever is earlier","note":null,"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":null,"heading":"10. Turn Around Time (TAT) for claims settlement","page":25,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/griha-raksha-plus-irdan152rp0005v02202324/document/18345#c-10-turn-around-time-tat-for-claims-settlement"}],"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 omission, or of anyone on Your behalf, or with Your connivance","War, invasion, act of foreign enemy hostilities or war-like operations","Ionising radiation or contamination by radioactivity","Loss, damage or destruction to any electrical/electronic machine, apparatus, fixture, or fitting by over-running, excessive pressure, short circuiting, arcing, self-heating or leakage of electricity","Loss or damage to bullion or unset precious stones, manuscripts, plans, drawings, securities, obligations or documents of any kind, coins or paper money, cheques, vehicles, and explosive substances 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","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","Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Tsunami, Flood and Inundation","earthquake, Volcanic eruption or other convulsions of nature","Terrorism Damage Exclusion Warranty"],"display":"Deliberate acts; war; radiation; electrical short-circuit type loss; bullion, documents, vehicles and similar items unless stated; missing property; property removed from home; consequential loss; market-value reduction; additions over 10%; claim-preparation costs; STFI, earthquake and terrorism unless the corresponding cover is opted","note":"STFI, earthquake and terrorism exclusions are deleted if the corresponding section is opted.","quote":"1. Your deliberate, wilful or intentional act or omission, 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. ... 5. Loss, damage or destruction to any electrical/electronic machine, apparatus, fixture, or fitting by over-running, excessive pressure, short circuiting, arcing, self-heating or leakage of electricity from whatever cause (lightning included). This exclusion applies only to the particular machine so lost, damaged or destroyed.\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.\n13. Any Loss or damage occasioned by or through or in consequence directly or indirectly due to Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Tsunami, Flood and Inundation.\n14. Any Loss or damage occasioned by or through or in consequence directly or indirectly due to earthquake, Volcanic eruption or other convulsions of nature.\n15. Terrorism Damage Exclusion Warranty: ... If You have opted for this Section, point no. 13 as provided under “Clause F – Exclusions” shall stand deleted. ... If You have opted for this Section, point no. 14 as provided under “Clause F – Exclusions” shall stand deleted. ... If You have opted for this Section, point no. 15 as provided under “Clause F – Exclusions” shall stand deleted.","sources":[{"clause":"15","heading":"Valuable Papers and Records","page":18,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/griha-raksha-plus-irdan152rp0005v02202324/document/18345#c-15"},{"clause":"15(ii)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/griha-raksha-plus-irdan152rp0005v02202324/document/18345#c-15-ii"},{"clause":"Section 2","heading":"STFI COVER","page":9,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/griha-raksha-plus-irdan152rp0005v02202324/document/18345#c-section-2"},{"clause":"1","heading":null,"page":10,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/griha-raksha-plus-irdan152rp0005v02202324/document/18345#c-1-2"},{"clause":"Section 5","heading":"TERRORISM","page":10,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/griha-raksha-plus-irdan152rp0005v02202324/document/18345#c-section-5"}],"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 you are unhappy with the resolution, you can approach IRDAI, and the documents then mention the Insurance Ombudsman.","display":"First write to the Grievance Redressal Officer; if not resolved within 15 days or unhappy, approach IRDAI","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 ... a) 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":26,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/griha-raksha-plus-irdan152rp0005v02202324/document/18345#c-clause-k-grievances"},{"clause":null,"heading":"1. Our Grievance Redressal Officer","page":26,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/griha-raksha-plus-irdan152rp0005v02202324/document/18345#c-1-our-grievance-redressal-officer"},{"clause":"15(IV)(a)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/griha-raksha-plus-irdan152rp0005v02202324/document/18345#c-15-iv-a-10"}],"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","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","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","Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Tsunami, Flood and Inundation","Earthquake, Volcanic Eruption or other convulsion of nature","Riot, Strikes and Malicious Damage","Act of Terrorism"],"display":"Fire; explosion/implosion; lightning; subsidence/landslide/rockslide; bush/forest/jungle fire; impact; missile testing; bursting or overflowing water tanks/pipes; sprinkler leakage; theft within 7 days; STFI; earthquake; riot/strikes/malicious damage; terrorism","note":"Property Damage is mandatory. STFI, earthquake, riot/strikes/malicious damage and terrorism apply only if opted and mentioned in the Policy Schedule.","quote":"1 | Fire | caused by burning of Insured Property by order of any Public Authority. ... 2 | Explosion or Implosion | - ... 3 | Lightning | -\n4 | Subsidence of the land on which Your Home Building stands, Landslide, Rockslide | caused by a. normal cracking, settlement or bedding down of new structures, ... 5 | Bush fire, Forest fire, Jungle fire | -\n6 | 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.\n7 | Missile testing operations | -\n8 | Bursting or overflowing of water tanks, apparatus and pipes. | -\n9 | 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.\n10 | 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. ... We give insurance cover for physical loss or damage, or destruction caused to Insured Property by Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Tsunami, Flood and Inundation excluding those resulting from earthquake, Volcanic eruption or other convulsions of nature occurring during the Policy Period. This cover will be available only if it is opted and mentioned in Your Policy Schedule. ... We give insurance cover for physical loss or damage, or destruction caused to Insured Property by Earthquake, Volcanic Eruption or other convulsion of nature occurring during the Policy Period. This cover will be available only if it is opted and mentioned in Your Policy Schedule. ... We give insurance cover for physical loss or damage, or destruction caused to Insured Property by Riot, Strikes and Malicious Damage, occurring during the Policy Period. This cover will be available only if it is opted and mentioned in Your Policy Schedule. ... We give insurance cover for physical loss or damage, or destruction caused to Insured Property by the Act of Terrorism occurring during the Policy Period. This cover will be available only if it is opted and mentioned in Your Policy Schedule.","sources":[{"clause":"Row 1","heading":"Fire","page":8,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/griha-raksha-plus-irdan152rp0005v02202324/document/18345#c-row-1-2"},{"clause":"Row 2","heading":"Explosion or Implosion","page":8,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/griha-raksha-plus-irdan152rp0005v02202324/document/18345#c-row-2-2"},{"clause":"Row 3","heading":"Lightning","page":8,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/griha-raksha-plus-irdan152rp0005v02202324/document/18345#c-row-3-2"},{"clause":"Section 1","heading":"PROPERTY DAMAGE (Mandatory Section)","page":9,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/griha-raksha-plus-irdan152rp0005v02202324/document/18345#c-section-1-2"},{"clause":"Section 2","heading":"STFI COVER","page":9,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/griha-raksha-plus-irdan152rp0005v02202324/document/18345#c-section-2"},{"clause":"Section 3","heading":"EARTHQUAKE COVER","page":9,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/griha-raksha-plus-irdan152rp0005v02202324/document/18345#c-section-3"},{"clause":"Section 4","heading":"RIOT, STRIKES, MALICIOUS DAMAGE","page":10,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/griha-raksha-plus-irdan152rp0005v02202324/document/18345#c-section-4"},{"clause":"Section 5","heading":"TERRORISM","page":10,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/griha-raksha-plus-irdan152rp0005v02202324/document/18345#c-section-5"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"quote-verified","value":"Base deductible is NIL. Terrorism excess is as per the Policy Schedule/Wording; for Shops & Residential Risks it is 1% of the claim amount for each and every claim, subject to minimum INR 10,000 and maximum INR 500,000.","display":"Deductible: NIL; terrorism excess for residential risks 1% of claim amount, minimum INR 10,000 and maximum INR 500,000","note":"Terrorism excess applies where the terrorism cover/endorsement is applicable.","quote":"8 | Loss Participation | Deductible: NIL\nTerrorism Excess: As per Policy Schedule/Wording (as applicable) ... Shops & Residential Risks: 1% of the claim amount for each and every claim subject to Minimum of INR 10,000 and Maximum of INR 500,000","sources":[{"clause":"15","heading":"Valuable Papers and Records","page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/griha-raksha-plus-irdan152rp0005v02202324/document/18178#c-15"},{"clause":null,"heading":"EXCESS*","page":32,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/griha-raksha-plus-irdan152rp0005v02202324/document/18345#c-excess"}],"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 without assigning any reason. The insurer refunds proportionate premium for the unexpired policy period for policies up to one year if no claim has been made, and refunds premium for the unexpired policy period for policy terms over one year where risk coverage for those policy years has not commenced.","display":"Proportionate unexpired-period refund for term up to one year if no claim; unexpired-period refund for term over one year where those policy years' risk has not commenced","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":21,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/griha-raksha-plus-irdan152rp0005v02202324/document/18345#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/address or locations in the schedule, 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 policy covers physical loss, damage or destruction of the Home Building due to insured events listed in Clause B and mentioned in the Policy Schedule. Home Building includes the residential unit, fixtures and fittings permanently attached to the floor, walls or roof, and additional structures on the same site; the Home Building sum insured is the prevailing Cost of Construction at commencement.","display":"Covers Home Building physical loss/damage by insured events; includes fixtures/fittings and listed additional structures; sum insured is prevailing Cost of Construction at commencement","note":"The cover is for residential use; the wording excludes Home Contents from Home Building.","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 and mentioned in Your Policy Schedule. ... b) 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: ... a) 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":"1","heading":"What We cover","page":10,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/griha-raksha-plus-irdan152rp0005v02202324/document/18345#c-1-3"},{"clause":"2","heading":"Your Home Building","page":11,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/griha-raksha-plus-irdan152rp0005v02202324/document/18345#c-2-3"},{"clause":"4(a)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/griha-raksha-plus-irdan152rp0005v02202324/document/18345#c-4-a"}],"law":[]},{"key":"contents_cover","label":"Contents cover","section":"Cover","meaning":"Cover for household goods, jewellery and valuables, and limits.","status":"quote-verified","value":"The policy covers physical loss, damage or destruction of General Contents caused by an insured event. Valuable Contents are not covered unless the optional Valuable Contents cover is purchased; for that cover, value may be agreed based on a valuation certificate, with certificate waived if the sum insured is up to ₹ 5 Lakh and individual item value does not exceed ₹ 1 Lakh.","display":"General Contents covered for insured events; Valuable Contents only if optional cover bought, agreed value with valuation certificate, waived up to ₹ 5 Lakh and ₹ 1 Lakh per item","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 Sum Insured You have chosen for General Contents must be enough to cover the cost of replacement of the General Contents. ... For Valuable Contents, a value may be agreed upon by You and Us based on a valuation certificate submitted by You and accepted by Us. However, We shall waive the requirement of valuation certificate if the Sum Insured opted for is up to ₹ 5 Lakh (Rupees Five Lakh) and Individual item value does not exceed ₹ 1 Lakh (Rupees One Lakh).","sources":[{"clause":null,"heading":"Clause D: Home Contents Cover","page":12,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/griha-raksha-plus-irdan152rp0005v02202324/document/18345#c-clause-d-home-contents-cover"},{"clause":"5(b)(vi)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/griha-raksha-plus-irdan152rp0005v02202324/document/18345#c-5-b-vi"}],"law":[]},{"key":"burglary","label":"Burglary and theft","section":"Cover","meaning":"Whether burglary is covered.","status":"quote-verified","value":"The base insured events cover theft only when it occurs within 7 days from the occurrence of, and is proximately caused by, specified insured events. General burglary/theft is excluded under the Accidental Damage optional cover.","display":"Theft covered only within 7 days and proximately caused by insured events; Accidental Damage excludes burglary/theft","note":"The burglary/theft exclusion quoted is for the optional Accidental Damage cover.","quote":"10 | 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. ... 9. Loss, destruction or damage due to Burglary, theft, and/or any attempts thereat","sources":[{"clause":"Section 1","heading":"PROPERTY DAMAGE (Mandatory Section)","page":9,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/griha-raksha-plus-irdan152rp0005v02202324/document/18345#c-section-1-2"},{"clause":"6","heading":"Accidental Damage","page":15,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/griha-raksha-plus-irdan152rp0005v02202324/document/18345#c-6"}],"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":"Loss of Rent or Rent for Alternate Accommodation is an optional cover available only if opted on additional premium and mentioned in the Policy Schedule. It pays rent lost or alternative rent paid while the Home Building is unfit for living because of physical loss from an insured event, for the reasonable repair period up to a maximum of three years, and only if the Home Building physical-damage claim is accepted.","display":"Optional: pays lost rent or alternative rent while home is unfit due to insured event, up to three years, if building damage claim is accepted","note":null,"quote":"Griha Raksha Plus Policy will also pay for the following covers, only if opted on payment of additional premium and mentioned in the Policy Schedule. ... 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: ... v) This cover will be available for the reasonable time required to repair Your Home Building to make it fit for living. The maximum period of this cover is three years from the date Your Home Building becomes unfit for living. You must submit a certificate from an architect or the local authority to show that Your Home Building is not fit for living. ... vi) Claim for loss of rent will be accepted only if We have accepted Your claim for loss for physical damage to Your Home under the Home Building Cover.","sources":[{"clause":null,"heading":"Clause E: Optional Covers","page":13,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/griha-raksha-plus-irdan152rp0005v02202324/document/18345#c-clause-e-optional-covers"},{"clause":null,"heading":"3. Loss of Rent or Rent for Alternate Accommodation","page":14,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/griha-raksha-plus-irdan152rp0005v02202324/document/18345#c-3-loss-of-rent-or-rent-for-alternate-accommodati"},{"clause":"5(b)(v)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/griha-raksha-plus-irdan152rp0005v02202324/document/18345#c-5-b-v"},{"clause":"5(b)(vi)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/griha-raksha-plus-irdan152rp0005v02202324/document/18345#c-5-b-vi"}],"law":[]},{"key":"sum_insured_basis","label":"Sum insured basis","section":"Cover","meaning":"How the cover amount is set: market value, reinstatement value, agreed value, IDV.","status":"quote-verified","value":"Home Building sum insured is based on the prevailing Cost of Construction at commencement. General Contents sum insured is chosen by the insured and must be enough for replacement cost; Valuable Contents can be covered on agreed value based on a valuation certificate. The optional Agreed Value Basis add-on can use Ready Reckoner or Registration value basis for certain total-loss settlements.","display":"Home Building: prevailing Cost of Construction; General Contents: replacement-cost sum insured; Valuable Contents: agreed value; optional add-on: Ready Reckoner or Registration value","note":"Ready Reckoner or Registration value basis is under the optional Agreed Value Basis add-on.","quote":"a) 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. ... c) The Sum Insured You have chosen for General Contents must be enough to cover the cost of replacement of the General Contents. ... For Valuable Contents, a value may be agreed upon by You and Us based on a valuation certificate submitted by You and accepted by Us. ... On Ready Reckoner basis, amount payable would be the Ready Reckoner for Property Tax and Stamp Duty purpose issued by the Revenue Department of the State Government for the locality in which the structure is situated as on the date of loss or sum insured specified in the schedule whichever is lower. Or; o On Registration value basis, the amount payable would be the Registration value of the Sale deed agreement value of the property or Sum insured specified in the schedule whichever is lower.","sources":[{"clause":"4(a)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/griha-raksha-plus-irdan152rp0005v02202324/document/18345#c-4-a"},{"clause":null,"heading":"Clause D: Home Contents Cover","page":12,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/griha-raksha-plus-irdan152rp0005v02202324/document/18345#c-clause-d-home-contents-cover"},{"clause":"5(b)(vi)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/griha-raksha-plus-irdan152rp0005v02202324/document/18345#c-5-b-vi"},{"clause":"Part III(d)","heading":"If Your Home Building","page":37,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/griha-raksha-plus-irdan152rp0005v02202324/document/18345#c-part-iii-d"}],"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 Griha Raksha Plus Policy. If the sum insured calculated from the information provided is less than the actual value at risk, the difference will not affect the amount paid.","display":"Underinsurance does not apply","note":null,"quote":"Underinsurance does not apply to the Griha Raksha Plus 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":25,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/griha-raksha-plus-irdan152rp0005v02202324/document/18345#c-clause-i-waiver-of-underinsurance"}],"law":[]}],"documents":[{"kind":"wording","label":"Griha Raksha Plus UIN :(IRDAN152RP0005V02202324)","pages":37,"fetched_at":"2026-10-17 20:16:34+00","source_url":"https://cms.zurichkotak.com/uploads/Griha_Raksha_Plus_Policy_Wordings_e721120a4e.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/griha-raksha-plus-irdan152rp0005v02202324/document/18345"},{"kind":"prospectus","label":"Griha Raksha Plus-Prospectus -UIN (IRDAN152RP0005V02202324) (Retail)","pages":6,"fetched_at":"2026-10-17 20:18:44+00","source_url":"https://cms.zurichkotak.com/uploads/31_Griha_Raksha_Plus_Prospectus_d27f0710bd_4075bde787.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/griha-raksha-plus-irdan152rp0005v02202324/document/18362"},{"kind":"cis","label":"Griha Raksha Plus","pages":10,"fetched_at":"2026-10-17 20:07:42+00","source_url":"https://cms.zurichkotak.com/uploads/Griha_Raksha_Plus_CIS_04_10_2024_Final_Website_5e69783fb5_60dac1dcfe.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/griha-raksha-plus-irdan152rp0005v02202324/document/18178"},{"kind":"rider","label":"Griha Raksha Plus - Add-on Wordings","pages":1,"fetched_at":"2026-10-17 20:03:40+00","source_url":"https://cms.zurichkotak.com/uploads/Griha_Raksha_Plus_Add_on_Wordings_43ab5af9dc.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/griha-raksha-plus-irdan152rp0005v02202324/document/18098"}],"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":"Griha Raksha Plus (UIN IRDAN152RP0005V02202324), IndiaInsurances, https://indiainsurances.com/policy/zurich-kotak-general-insurance/griha-raksha-plus-irdan152rp0005v02202324"}