{"uin":"IRDAN158CP0009V01202122","name":"Digit Clinical Trial Insurance Policy","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-clinical-trial-insurance-policy-irdan158cp0009v01202122","insurer":{"slug":"go-digit-general-insurance","name":"Go Digit General Insurance Limited","url":"https://indiainsurances.com/insurer/go-digit-general-insurance"},"line":"general","category":"other-general","category_name":"Other general insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"This is a clinical trial liability policy covering sums the insured becomes legally obligated to pay as damages for bodily injury during human clinical trials, with Basis A or Basis B chosen in the Policy Schedule. The maximum cover period can be up to the clinical trial period, and cancellation by the insured refunds 65.00%, 45.00%, 25.00% or 0.00% depending on the risk period if no claim has been made.","analysis":{"state":"machine","analysed_at":"2026-10-19 18:22:45.360802+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":"quote-verified","value":["Basis A","Basis B"],"display":"Basis A; Basis B","note":"Coverage basis is as opted and mentioned in the Policy Schedule.","quote":"Coverage will be available on two basis as opted by You and mentioned in Policy Schedule\nBasis A – Indemnity against legal liability under Clinical Trial Compensation Rules and any subsequent amendment to the said act prior to issuance of policy. Maximum liability of the Company will be restricted to limit of liability arising within the Clinical Trial Compensation Rules. Any legal liability under tort law which is beyond Clinical Trial Compensation Rules will not be payable.\nBasis B – Indemnity against legal liability as per tort law and/or under Clinical Trial Compensation Rules will be payable. Maximum liability of the Company will be restricted to limit of liability arising within the Clinical Trial Compensation Rules or tort law whichever is applicable.","sources":[{"clause":"C","heading":"COVERAGES","page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-clinical-trial-insurance-policy-irdan158cp0009v01202122/document/639#c-c"}],"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 coverage under this Policy can be upto clinical trial period.","display":"Upto clinical trial period","note":null,"quote":"The coverage under this Policy can be upto clinical trial period.","sources":[{"clause":null,"heading":"What is the maximum period of cover available under this Policy?","page":11,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-clinical-trial-insurance-policy-irdan158cp0009v01202122/document/674#c-what-is-the-maximum-period-of-cover-available-un"}],"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":"The insured must give prompt notice in writing of any Claim or suit and of any notice from a person intending to hold the insured responsible for a covered Loss.","display":"Prompt notice in writing","note":null,"quote":"The Insured shall give Us, by way of the person named for such purpose as mentioned in policy Schedule, prompt notice in writing: ... a) of any Claim or suit made against their together with any summons or other process served upon the Insured; ... Of the receipt of notice from any person of an intention to hold the Insured responsible for any Loss in respect of which coverage is provided hereunder.","sources":[{"clause":"11","heading":"Duties in the Event of Claim or Suit","page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-clinical-trial-insurance-policy-irdan158cp0009v01202122/document/639#c-11-2"},{"clause":"11(a)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-clinical-trial-insurance-policy-irdan158cp0009v01202122/document/639#c-11-a"},{"clause":"11(b)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-clinical-trial-insurance-policy-irdan158cp0009v01202122/document/639#c-11-b"}],"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":["copy of the report shared with the Ethics Committee or the Drugs Controller relating to the Bodily Injury","summons or other process served upon the Insured","written notice to the Company for the specific Loss, the injury or damage, and the circumstances by which the Insured first becomes aware of such Loss"],"display":"Report to Ethics Committee or Drugs Controller; summons or other process; written notice of loss, injury or damage and circumstances","note":null,"quote":"For this purpose, the Insured is required to promptly share with Us a copy of the report shared with the Ethics Committee or the Drugs Controller relating to the Bodily Injury. ... a) of any Claim or suit made against their together with any summons or other process served upon the Insured; ... If during the Period of Insurance, the Insured first becomes aware of a Loss which may result in Claims for which coverage is provided under this Policy, and if the Insured shall during the Period of Insurance give written notice to the Company for:\na) the specific Loss; and\nb) the injury or damage which has or may result from such Loss; and\nc) the circumstances by which the Insured first becomes aware of such Loss;","sources":[{"clause":"2","heading":"Claim","page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-clinical-trial-insurance-policy-irdan158cp0009v01202122/document/639#c-2"},{"clause":"11(a)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-clinical-trial-insurance-policy-irdan158cp0009v01202122/document/639#c-11-a"},{"clause":"12","heading":"Discovery Clause","page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-clinical-trial-insurance-policy-irdan158cp0009v01202122/document/639#c-12-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"not-stated","value":null,"display":null,"note":"The documents do not state a promised time to decide or pay a claim.","quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["any criminal action/deed committed in violation of any law or ordinance","any article or product manufactured, handled or sold or distributed in violation of any law, statute, ordinance or regulation","any Claim based on any express warranty of the Insured, except the warranties mentioned in the consent form as required by the applicable Clinical Trial Rules","specific liabilities under Employee’s Compensation, Employer’s Liability or similar law, and Bodily Injury to any employee arising out of and in the course of employment","libel, slander, defamation, invasion of the right of privacy, the publication of disparaging or derogatory material or information, or discrimination","violation or alleged violation of any anti-trust, price fixing or restraint of trade law or any infringement of patent, trademark, service mark or trade name","Hepatitis, HTLV iii, LAV, AIDS or similar conditions, and TSE/CJD/vCJD/nvCJD conditions unless agreed","any Loss which results from a deliberate act or omission of the Insured","Loss before the Retroactive Date or circumstances the Insured were aware of or ought reasonably to have been aware of prior to inception","any injury or damages resulting in a claim or suit by any Insured against any other Insured","treble damages, multiplied damages, punitive damages, exemplary damages, fines or penalties","Human Clinical Trials beginning less than thirty days after submission of the investigational new drug identification number, continuing after a clinical hold, or performed without written consent","failure of the Pharmaceutical to fulfil its purpose, placebo failure to provide therapeutic benefit, natural progression of an underlying disease, reconditioning or recall costs","failure by the Insured to follow the Protocol, and substances known to have harmful side effects","Pollutants, war and terrorism, and tobacco or nicotine products"],"display":"Criminal acts; unlawful products; express warranties; employee liabilities; libel/defamation/privacy/discrimination; anti-trust/IP; specified disease exclusions; deliberate acts; prior losses; insured-vs-insured claims; punitive/fine-type damages; clinical-trial timing/hold/consent exclusions; pharmaceutical failure/reconditioning/recall; protocol failure/harmful substances; pollutants, war/terrorism and tobacco/nicotine","note":null,"quote":"a) any criminal action/deed committed in violation of any law or ordinance; ... b) any article or product manufactured, handled or sold or distributed in violation of any law, statute, ordinance or regulation; ... c) any Claim based on any express warranty of the Insured, except the warranties mentioned in the consent form as required by the applicable Clinical Trial Rules; ... d) specific liabilities for which the insured may be held liable under Employee’s Compensation, Employer’s Liability or any other similar law; ... e) any Claim for Bodily Injury to any employee of any Insured arising out of and in the course of the employment by any Insured even if the employee is the Research Subject, or any Claims of the spouse, child, parent, sibling, or other dependent of the employee as a consequence of such Bodily Injury; ... f) any Claim arising out of libel, slander, defamation, invasion of the right of privacy, the publication of disparaging or derogatory material or information, or discrimination. ... g) any Claim based upon or arising out of a violation or alleged violation of any anti-trust, price fixing or restraint of trade law or any infringement of patent, trademark, service mark or trade name; ... i) any Claim arising from Hepatitis or any condition directly or indirectly caused by or associated with Human T- Cell Lymphotropic Virus Type iii (HTLV iii) or Lymphadenopathy Associated Virus (LAV) or the mutants derivatives or variations thereof or in any way related to Acquired Immune Deficiency Syndrome or any syndrome or condition of a similar kind howsoever it may be named; unless specifically agreed by the Company ... j) any Claim arising from any condition directly or indirectly caused by or associated with Transmissible Spongiform Encephalopathy (TSE) Creutzfeldt-Jakob Disease (CJD) variant Creutzfeldt-Jakob Disease (vCJD) or new variant Creutzfeldt-Jakob Disease (nvCJD); unless specifically agreed and mentioned in your Policy Schedule. ... k) any Loss which results from a deliberate act or omission of the Insured and which could reasonably have been expected by the Insured having regard to the nature and circumstances of such act or omission; ... l) any Claim which results from a Loss which takes place in whole or in part prior to the Retroactive Date as mentioned in Policy Schedule; ... m) any Claim arising out of a Loss, the circumstances of which the Insured were aware of or ought reasonably to have been aware of prior to the inception of this Policy; ... n) any injury or damages resulting in a claim or suit by any Insured against any other Insured; ... o) any treble damages or any other damages resulting from the multiplication of compensatory damages, or any punitive damages, exemplary damages, fines or penalties; ... p) Human Clinical Trials which begin less than thirty days following submission of the investigational new drug identification number; ... q) Human Clinical Trials which continue after a clinical hold has been placed on such Human Clinical Trial by the CENTRAL DRUGS STANDARD CONTROL ORGANIZATION (CDSCO) or Drug Controller General of India (DCGI) or Any Equivalent Local Authority, and prior to the CDSCO or DCGI or Any Equivalent Local Authority approving the re-commencement of such Human Clinical Trial; ... r) any Human Clinical Trial performed without the written consent of each test subject obtained prior to the participation of such test subject in such Human Clinical Trial; ... s) Liability arising from the failure of the Pharmaceutical (or any part thereof) to fulfil the purpose for which it was designed or to perform as specified, warranted or guaranteed; liability for compensation of any kind or description to research participants receiving placebo in consideration of such placebo’s failure to provide therapeutic benefit; liability in relation to the natural progression of an underlying disease; ... t) Costs incurred in the reconditioning, improvement, modification, or replacement of any Pharmaceutical or any part thereof or any financial loss consequent upon the necessity for such reconditioning, improvement, modification or replacement; ... u) Costs arising out of the recall of any Pharmaceutical or any part thereof; ... v) Any liability arising from the failure by the Insured to follow the Protocol as submitted to Us prior to the Human Clinical Trial, including any amendments to the Protocol, except that We have received prior written notice of the amendment in accordance with the conditions of this Policy; ... w) Any legal liability of whatsoever nature, directly or indirectly caused by or contributed to by or arising from, any substance known to have harmful side effects; ... x) any liability directly or indirectly arising out of Bodily Injury or property damage from (a) the Clean-up of Pollutants; or (b) the actual, alleged or threatened (i) discharge, dispersal, release or escape of Pollutants; ... y) War And Terrorism Exclusion Notwithstanding any provision to the contrary within this insurance or any endorsement thereto it is agreed that this insurance excludes any loss damage or injury cost or expense of whatsoever nature directly or indirectly caused by or resulting from or in connection with any of the following ... z) Tobacco And Nicotine Products Health Exclusion We shall not be liable for Bodily Injury which arises directly or indirectly from the\ni) advertising by any medium of tobacco or Nicotine\nii) promotion including sponsorship of any kind of any Product comprising or containing tobacco or nicotine\niii) consumption in any form of any Product containing tobacco or nicotine unless specifically agreed and mentioned in Your Policy Schedule.","sources":[{"clause":"D(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-clinical-trial-insurance-policy-irdan158cp0009v01202122/document/639#c-d-a"},{"clause":"D(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-clinical-trial-insurance-policy-irdan158cp0009v01202122/document/639#c-d-b"},{"clause":"D(c)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-clinical-trial-insurance-policy-irdan158cp0009v01202122/document/639#c-d-c"},{"clause":"D(d)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-clinical-trial-insurance-policy-irdan158cp0009v01202122/document/639#c-d-d"},{"clause":"D(e)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-clinical-trial-insurance-policy-irdan158cp0009v01202122/document/639#c-d-e"},{"clause":"D(f)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-clinical-trial-insurance-policy-irdan158cp0009v01202122/document/639#c-d-f"},{"clause":"D(g)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-clinical-trial-insurance-policy-irdan158cp0009v01202122/document/639#c-d-g"},{"clause":"D(i)(i)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-clinical-trial-insurance-policy-irdan158cp0009v01202122/document/639#c-d-i-i"},{"clause":"D(j)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-clinical-trial-insurance-policy-irdan158cp0009v01202122/document/639#c-d-j"},{"clause":"D(k)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-clinical-trial-insurance-policy-irdan158cp0009v01202122/document/639#c-d-k"},{"clause":"D(l)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-clinical-trial-insurance-policy-irdan158cp0009v01202122/document/639#c-d-l"},{"clause":"D(m)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-clinical-trial-insurance-policy-irdan158cp0009v01202122/document/639#c-d-m"},{"clause":"D(n)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-clinical-trial-insurance-policy-irdan158cp0009v01202122/document/639#c-d-n"},{"clause":"D(o)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-clinical-trial-insurance-policy-irdan158cp0009v01202122/document/639#c-d-o"},{"clause":"D(p)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-clinical-trial-insurance-policy-irdan158cp0009v01202122/document/639#c-d-p"},{"clause":"D(q)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-clinical-trial-insurance-policy-irdan158cp0009v01202122/document/639#c-d-q"},{"clause":"D(r)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-clinical-trial-insurance-policy-irdan158cp0009v01202122/document/639#c-d-r"},{"clause":"D(s)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-clinical-trial-insurance-policy-irdan158cp0009v01202122/document/639#c-d-s"},{"clause":"D(t)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-clinical-trial-insurance-policy-irdan158cp0009v01202122/document/639#c-d-t"},{"clause":"D(u)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-clinical-trial-insurance-policy-irdan158cp0009v01202122/document/639#c-d-u"},{"clause":"D(v)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-clinical-trial-insurance-policy-irdan158cp0009v01202122/document/639#c-d-v"},{"clause":"D(w)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-clinical-trial-insurance-policy-irdan158cp0009v01202122/document/639#c-d-w"},{"clause":"D(x)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-clinical-trial-insurance-policy-irdan158cp0009v01202122/document/639#c-d-x"},{"clause":"D(y)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-clinical-trial-insurance-policy-irdan158cp0009v01202122/document/639#c-d-y"},{"clause":"D(z)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-clinical-trial-insurance-policy-irdan158cp0009v01202122/document/639#c-d-z"}],"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 complain to Digit by calling 1800-258-5956 or emailing hello@godigit.com; senior citizens may also write to seniors@godigit.com. If the response is not satisfactory, the policy says the customer may approach the Insurance Ombudsman.","display":"Call 1800-258-5956 or email hello@godigit.com; then Insurance Ombudsman if not satisfied","note":null,"quote":"if You are not satisfied with Our services and wish to lodge a complaint, please feel free to call Our 24X7 Toll free number 1800-258-5956 or You may email to the customer service desk at hello@godigit.com. After investigating the matter internally and subsequent closure, We will send Our response. Senior Citizens can now contact Us on 1800-258-5956 or write to Us at seniors@godigit.com. If You do not get a satisfactory response from Us and You wish to pursue other avenues for redressal of grievances, You may approach Insurance Ombudsman appointed by IRDAI under the Insurance Ombudsman Scheme.","sources":[{"clause":"36","heading":"Customer Grievance Redressal Policy","page":14,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-clinical-trial-insurance-policy-irdan158cp0009v01202122/document/639#c-36"}],"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":["Damages because of Bodily Injury resulting from each Loss arising out of the use of a Pharmaceutical or medical device or medical procedure during the performance of Human Clinical Trials","defend any suit against the Insured seeking damages to which this insurance applies","Manslaughter Defence Costs (Ethics Committee)"],"display":"Legal-liability damages for bodily injury from human clinical trials; defence of covered suits; Manslaughter Defence Costs (Ethics Committee)","note":"Coverage applies on Basis A or Basis B as opted in the Policy Schedule. Coverage for Relatives and Medical Management Expenses are optional covers only if selected and mentioned in the Policy Schedule.","quote":"We will pay on behalf of the Insured those sums which the Insured becomes legally obligated to pay as Damages because of Bodily Injury resulting from each Loss arising out of the use of a Pharmaceutical or medical device or medical procedure during the performance of Human Clinical Trials; ... We agree to defend any suit against the Insured seeking damages to which this insurance applies, and it is agreed that We may make such investigation and settlement of any Claim or suit as they deem expedient, and We shall have the exclusive right to contest or settle any of the said suits or Claims. ... a) Manslaughter Defence Costs (Ethics Committee) We will indemnify the Ethics Committee or any member thereof in respect of legal costs and expenses incurred with the Company’s written consent in the defence of any criminal proceedings brought (or in an appeal against conviction arising from such proceedings) as a result of manslaughter arising from any event which may be the subject of indemnity under this Policy ... Coverage will be available on two basis as opted by You and mentioned in Policy Schedule ... Optional Cover:\nThe covers listed below are optional covers and will be applicable only if You have selected them at the time of purchase and they are mentioned in your Policy Schedule. ... 1 Coverage for Relatives\nIf You have opted this cover, We will pay on behalf of the Insured those sums which the Insured becomes legally obligated to pay as Damages because of Bodily Injury sustained by any Relative of trial subject directly resulting from trial subject’s Bodily Injury provided that: ... 2 Medical Management Expenses\nIf You have opted this cover, We shall indemnify the Insured basis the below mentioned options opted by You and mentioned in Policy Schedule.","sources":[{"clause":"C","heading":"COVERAGES","page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-clinical-trial-insurance-policy-irdan158cp0009v01202122/document/639#c-c"},{"clause":"C(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-clinical-trial-insurance-policy-irdan158cp0009v01202122/document/639#c-c-a"},{"clause":"C(b)(iii)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-clinical-trial-insurance-policy-irdan158cp0009v01202122/document/639#c-c-b-iii"},{"clause":"1","heading":"Coverage for Relatives","page":5,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-clinical-trial-insurance-policy-irdan158cp0009v01202122/document/639#c-1-2"},{"clause":"2","heading":"Medical Management Expenses","page":5,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-clinical-trial-insurance-policy-irdan158cp0009v01202122/document/639#c-2-2"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"not-stated","value":null,"display":null,"note":"The policy only says the deductible is the amount specified in the Policy Schedule for each Loss including Costs; the actual amount is not stated in these documents.","quote":null,"sources":[],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"Cancellation by the insured requires Fifteen (15) days’ notice. If no claim has been made, the insurer retains premium on the cancellation scale and refunds 65.00% when less than 25% of the risk period has run, 45.00% when more than 25% but less than or equal to 50% has run, 25.00% when more than 50% but less than or equal to 75% has run, and 0.00% when exceeding 75% of the risk period.","display":"15 days’ notice; no claim: 65.00%, 45.00%, 25.00% or 0.00% refund by risk period","note":null,"quote":"Policy may be cancelled at the option of the insured within Fifteen (15) days’ notice of cancellation and We will be entitled to retain premium on the basis of cancellation scale for the period for which the cover has been in existence prior to the cancellation of the Policy. The balance premium, if any, will be refundable to the insured. In case of cancellation of Policy by the insured, premium would be refunded as per below table subject to there being no Claim under the Policy:\nPeriod in Risk | Premium Refund\nLess than 25% of risk period | 65.00%\nMore than 25%, but less than or equal to 50% of risk period | 45.00%\nMore than 50%, but less than or equal to 75% of risk period | 25.00%\nExceeding 75% of the risk period | 0.00%","sources":[{"clause":"10(c)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-clinical-trial-insurance-policy-irdan158cp0009v01202122/document/639#c-10-c"}],"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 state that territory or coverage jurisdiction is as mentioned or stated in the Policy Schedule; they do not give the actual geographic area of cover.","quote":null,"sources":[],"law":[]},{"key":"subject_covered","label":"What is insured","section":"Cover","meaning":"The thing or risk this policy covers.","status":"quote-verified","value":"The policy insures the insured’s legal liability to pay damages because of bodily injury resulting from loss arising out of the use of a pharmaceutical, medical device or medical procedure during human clinical trials.","display":"Legal liability for bodily injury during human clinical trials","note":null,"quote":"We will pay on behalf of the Insured those sums which the Insured becomes legally obligated to pay as Damages because of Bodily Injury resulting from each Loss arising out of the use of a Pharmaceutical or medical device or medical procedure during the performance of Human Clinical Trials;","sources":[{"clause":"C","heading":"COVERAGES","page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-clinical-trial-insurance-policy-irdan158cp0009v01202122/document/639#c-c"}],"law":[]}],"documents":[{"kind":"wording","label":"Digit Clinical Trial Insurance Policy - Policy Wordings - IRDAN158CP0009V01202122","pages":16,"fetched_at":"2026-10-17 19:39:37+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/others/Digit%20Clinical%20Trial%20Insurance%20Policy%20-%20Policy%20Wordings.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-clinical-trial-insurance-policy-irdan158cp0009v01202122/document/639"},{"kind":"prospectus","label":"Prospectus - Digit Clinical Trial Insurance Policy - IRDAN158CP0009V01202122","pages":11,"fetched_at":"2026-10-17 19:40:15+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/others/Prospectus%20-Digit%20Clinical%20Trial%20Insurance%20Policy%20.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-clinical-trial-insurance-policy-irdan158cp0009v01202122/document/674"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Go Digit General Insurance official website","url":"https://www.godigit.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":"Motor claims","url":"https://www.godigit.com/motor-claims","note":null},{"purpose":"claim","kind":"insurer","name":"Travel claims","url":"https://www.godigit.com/international-travel-insurance/file-a-claim","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 procedure","url":"https://www.godigit.com/claim/grievance-redressal-procedure","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."}],"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":"Digit Clinical Trial Insurance Policy (UIN IRDAN158CP0009V01202122), IndiaInsurances, https://indiainsurances.com/policy/go-digit-general-insurance/digit-clinical-trial-insurance-policy-irdan158cp0009v01202122"}