{"uin":"IRDAN158RP0024V01202223","name":"Digit Payment Protection Policy (Retail)","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-payment-protection-policy-retail-irdan158rp0024v01202223","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":"Digit Payment Protection Policy (Retail) covers payment-related risks including card, electronic transaction, digital wallet, identity theft, purchase, price, travel, personal accident and lost wallet covers. It covers insured events within India unless agreed otherwise, while Personal Accident Cover has worldwide territorial limits unless agreed otherwise.","analysis":{"state":"machine","analysed_at":"2026-10-19 18:21:10.485756+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"The documents list sections and selectable covers, but do not state named plan variants.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The documents point to the Policy Schedule/Certificate of Insurance for the Policy Period or Cover Period.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"You must notify the insurer in writing immediately of any occurrence which may result in a claim. Full claim details with supporting documents must be submitted within 30 days of reporting of loss.","display":"Notify immediately; full claim details within 30 days of reporting of loss","note":null,"quote":"You must notify Us/ Policyholder in writing immediately of any Occurrence which may result in a Claim. ... Following a Claim, the Insured Person shall immediately give written notice to the Company giving preliminary information regarding particulars about the loss. The Policyholder and Insured Person will, within a period of thirty (30) days of reporting of loss, submit full details of the Claim","sources":[{"clause":"6","heading":"Duties in the Event of Occurrence of Circumstance or Claim or Suit","page":20,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-payment-protection-policy-retail-irdan158rp0024v01202223/document/730#c-6-2"},{"clause":"7(a)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-payment-protection-policy-retail-irdan158rp0024v01202223/document/730#c-7-a"}],"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":["Duly filed Claim Form.","Photo Id proof and address proof of the Insured Person","Police Acknowledgement Letter / FIR","Card Statement/ Account Statement for last 6 months indicating Fraudulent Transactions/Unauthorised Use and loss liability.","Account Statement for last 6 months indicating Fraudulent Transactions/Unauthorised Use or loss","Digital Wallet Account Statement for last 3 months indicating Fraudulent Transactions/Unauthorised Use and loss liability.","Attested Copy of Death Certificate.","Attested Copy of disability certificate from relevant government Medical authority.","Document confirming identity theft of the Insured Person","Invoice of the item purchased","An original receipt of the purchased item","Written confirmation from the carrier of the number of hours of delay, and any compensation received towards the delay.","Original invoice/ proof of purchase of the lost wallet","Any other document required for settlement of claim"],"display":"Claim form, ID/address proof, FIR where applicable, and section-specific statements, reports, invoices, receipts, certificates and confirmations","note":"Section-specific documents vary by the cover under which the claim is made.","quote":"Duly filed Claim Form. ... Photo Id proof and address proof of the Insured Person ... Police Acknowledgement Letter / FIR (to be done immediately but not later than 24 hours from the time of realisation of loss (wherever applicable). ... Card Statement/ Account Statement for last 6 months indicating Fraudulent Transactions/Unauthorised Use and loss liability. ... Account Statement for last 6 months indicating Fraudulent Transactions/Unauthorised Use or loss ... Digital Wallet Account Statement for last 3 months indicating Fraudulent Transactions/Unauthorised Use and loss liability. ... Attested Copy of Death Certificate. ... Attested Copy of disability certificate from relevant government Medical authority. ... Document confirming identity theft of the Insured Person ... Invoice of the item purchased ... An original receipt of the purchased item ... Written confirmation from the carrier of the number of hours of delay, and any compensation received towards the delay. ... Original invoice/ proof of purchase of the lost wallet ... Any other document required for settlement of claim","sources":[{"clause":"7(a)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-payment-protection-policy-retail-irdan158rp0024v01202223/document/730#c-7-a-2"},{"clause":"7(b)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-payment-protection-policy-retail-irdan158rp0024v01202223/document/730#c-7-b-2"},{"clause":"7(c)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-payment-protection-policy-retail-irdan158rp0024v01202223/document/730#c-7-c-2"},{"clause":"8","heading":"Any other document required for settlement of claim on case to case basis","page":22,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-payment-protection-policy-retail-irdan158rp0024v01202223/document/730#c-8-2"}],"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 wording says claims are settled or rejected as per prevailing guidelines and refers to specified timelines, but does not print a claim settlement time counted from intimation or receipt of documents.","quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Deductible as mentioned in the Policy Schedule/ Certificate of Insurance against the specific section for each loss.","Losses that do not occur within the cover period as specified in the Policy Schedule/ Certificate of Insurance","Losses caused by illegal acts;","Losses that Insured Person have intentionally caused;","Losses sustained by the Insured Person resulting directly or indirectly from the actions of the Insured Person’s employee/members of household, relative, acting alone or in collusion with others.","Losses due to war, invasion, act of foreign enemy, hostilities or warlike operations","Losses due to the order of any government, public authority, or customers’ officials.","Losses due to ionizing radiations contamination by radio activity from any nuclear fuel or from any nuclear waste from the combustion (including any self-sustaining process of nuclear fission) of nuclear fuel.","Losses due to nuclear, biological, or chemical event","Any loss directly or indirectly caused by pandemic or epidemic as declared by WHO / Indian Government/ any Authorized Government body","Any legal liability, of whatsoever nature.","Any consequential losses of any kind (financial or otherwise), and/or any actual or alleged legal liability of the Insured","Loss due to Terrorism, unless specifically agreed otherwise by Us.","For any claim where “One-time Password” on registered mobile number for any transaction has been shared with any person by the Insured person.","Loss incurred due to gross negligence on part of the Insured Person"],"display":"General exclusions include deductible, outside cover period, illegal or intentional acts, household/employee collusion, war, government orders, radiation/nuclear/biological/chemical events, pandemic/epidemic, legal liability, consequential loss and terrorism; card cover also excludes shared OTP and gross negligence.","note":null,"quote":"Deductible as mentioned in the Policy Schedule/ Certificate of Insurance against the specific section for each loss. ... Losses that do not occur within the cover period as specified in the Policy Schedule/ Certificate of Insurance ... Losses caused by illegal acts; ... Losses that Insured Person have intentionally caused; ... Losses sustained by the Insured Person resulting directly or indirectly from the actions of the Insured Person’s employee/members of household, relative, acting alone or in collusion with others. ... Losses due to war, invasion, act of foreign enemy, hostilities or warlike operations (whether war has been declared or not), civil war, rebellion, revolution, insurrection, civil commotion, uprising, military or usurped power, martial law, riot or the act of any lawfully constituted authority. ... Losses due to the order of any government, public authority, or customers’ officials. ... Losses due to ionizing radiations contamination by radio activity from any nuclear fuel or from any nuclear waste from the combustion (including any self-sustaining process of nuclear fission) of nuclear fuel. ... Losses due to nuclear, biological, or chemical event ... Any loss directly or indirectly caused by pandemic or epidemic as declared by WHO / Indian Government/ any Authorized Government body ... Any legal liability, of whatsoever nature. ... Any consequential losses of any kind (financial or otherwise), and/or any actual or alleged legal liability of the Insured ... Loss due to Terrorism, unless specifically agreed otherwise by Us. ... For any claim where “One-time Password” on registered mobile number for any transaction has been shared with any person by the Insured person. ... Loss incurred due to gross negligence on part of the Insured Person","sources":[{"clause":null,"heading":"GENERAL POLICY EXCLUSIONS (APPLICABLE TO ALL SECTIONS)","page":19,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-payment-protection-policy-retail-irdan158rp0024v01202223/document/730#c-general-policy-exclusions-applicable-to-all-sect"},{"clause":null,"heading":"EXCLUSIONS APPLICABLE TO SECTION 1","page":7,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-payment-protection-policy-retail-irdan158rp0024v01202223/document/730#c-exclusions-applicable-to-section-1"}],"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 the 24X7 toll free number 1800-258-5956 or email hello@godigit.com. If not satisfied with that redressal, contact the grievance officer at grievance@godigit.com before approaching the Insurance Ombudsman.","display":"Call 1800-258-5956 or email hello@godigit.com; then grievance@godigit.com; then Ombudsman","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. ... If Insured person is not satisfied with the redressal of grievance through one of the above methods, insured person may contact the grievance officer at grievance@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","sources":[{"clause":"23(c)","heading":null,"page":24,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-payment-protection-policy-retail-irdan158rp0024v01202223/document/730#c-23-c"}],"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":["Lost Card Liability","Online Transaction Cover","Card Liability due to unauthorized / fraudulent usage on account of including but not limited to Skimming / Phishing/ Counterfeit / Payment made on mirror sites","ATM assault and robbery","ATM Fraud Cover","Unauthorised /Fraudulent transactions on Other Electronic Transaction (Other than card and Digital Wallet)","Digital Wallet Cover","Personal Accident Cover","Identity Theft","Purchase Protection","Price Protection","Personal Travelling Protection","Wallet Protection (Lost Wallet Coverage)"],"display":"Card cover, other electronic transaction cover, digital wallet cover, personal accident cover, identity theft, purchase protection, price protection, personal travelling protection and wallet protection","note":"The wording says the insured has an option to pick and choose the covers, but Section 4 and Section 8 cannot be opted on a standalone basis.","quote":"Section 1: Card Cover | Section 1.1 Lost Card Liability\nSection 1.2 Online Transaction Cover Section 1.3: Card Liability due to unauthorized / fraudulent usage on account of including but not limited to Skimming / Phishing/ Counterfeit / Payment made on mirror sites Section 1.4 ATM assault and robbery Section 1.5 ATM Fraud Cover\nSection 2: Other Electronic Transaction Cover | Unauthorised /Fraudulent transactions on Other Electronic Transaction (Other than card and Digital Wallet)\nSection 3: Digital Wallet Cover | Digital Wallet Cover\nSection 4: Personal Accident Cover | Section 4.1 Death\nSection 4.2 Permanent Total Disablement Section 4.3 Permanent Partial Disablement Section 4.4 Temporary Total Disablement Section 4.5 Air Accident Cover Section 4.6 Children Education Grant Section 4.7 Girl Child Benefit Section 4.8 Funeral Expenses Section 4.9 Transportation of Mortal Remains\nSection 5: Identity Theft | Identity Theft\nSection 6: Purchase Protection | Purchase Protection\nSection 7: Price Protection | Price Protection\nSection 8: Personal Travelling Protection | Section 8.1 Loss of Personal Baggage / Personal Belongings\nSection 8.2 Loss of Passport / Documents during the trip Section 8.3 Missed Connecting Flight during transit Coverage:\nSection 8.4 Trip Cancellation Section 8.5 Delay in Flight Section 8.6 Emergency Medical Treatment and Evacuation Section 8.7 Emergency Accidental Treatment and Evacuation Section 8.8 Plane Hijack Cover Section 8.9 Home protection while Insured Person is away\nSection 9: Wallet Protection (Lost Wallet Coverage) | • Replacement costs for the lost or stolen wallet • Application fees for applying for new personal papers and/ or cards.","sources":[{"clause":null,"heading":"Benefit Table","page":5,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-payment-protection-policy-retail-irdan158rp0024v01202223/document/730#c-benefit-table"}],"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 documents define the deductible and say it is shown in the Policy Schedule/Certificate of Insurance, but do not state an amount 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":"You can cancel the policy at any time by written notice. For an annual policy, the insurer refunds proportionate premium for the unexpired policy period if the term is up to one year and no claim has been made during the policy period.","display":"Proportionate premium for unexpired period for annual policies up to one year, if no claim has been made","note":null,"quote":"You can cancel this Policy at any time by giving Us notice in writing. The Policy will terminate when We receive Your notice. If You cancel the Policy, We will refund premium as follows:\nFor Annual Policy: 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.","sources":[{"clause":"11","heading":"Cancellation Cancellation by Insured","page":23,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-payment-protection-policy-retail-irdan158rp0024v01202223/document/730#c-11-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"The policy covers insured events within India unless specifically agreed otherwise by the Company. Personal Accident Cover has worldwide territorial limits unless specifically agreed otherwise, and admissible claims are payable within India in Indian Rupees only.","display":"India, unless agreed otherwise; Personal Accident Cover worldwide unless agreed otherwise","note":null,"quote":"This Policy covers insured events of concerned Insured person arising during the Cover Period within India unless specifically agreed otherwise by the Company. For Personal Accident Cover, territorial limits should be world-wide, unless specifically agreed otherwise by the Company. The Company’s liability to make any payment under admissible claims under Certificate of Insurance shall be to make payment to concerned Insured person within India and in Indian Rupees only.","sources":[{"clause":"22","heading":"Territorial Limits","page":24,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-payment-protection-policy-retail-irdan158rp0024v01202223/document/730#c-22-2"}],"law":[]},{"key":"subject_covered","label":"What is insured","section":"Cover","meaning":"The thing or risk this policy covers.","status":"quote-verified","value":"The policy is for protection against payment related risks, covering modern day hazards of using debit/credit/forex cards and digital payment gateways including internet banking, digital wallets and UPI. It also includes the listed ancillary covers such as personal accident, identity theft, purchase protection, price protection, personal travelling protection and lost wallet coverage.","display":"Payment-related risks from cards and digital payment modes, plus selected ancillary covers","note":null,"quote":"The cover under this policy intends to provide coverages against modern day hazards of using debit/credit/forex cards and digital payment gateways including other existing digital payment modes like internet banking/ digital wallets/UPI. ... Section 4: Personal Accident Cover ... Section 5: Identity Theft | Identity Theft\nSection 6: Purchase Protection | Purchase Protection\nSection 7: Price Protection | Price Protection\nSection 8: Personal Travelling Protection ... Section 9: Wallet Protection (Lost Wallet Coverage)","sources":[{"clause":null,"heading":"Product Introduction","page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-payment-protection-policy-retail-irdan158rp0024v01202223/document/548#c-product-introduction"}],"law":[]}],"documents":[{"kind":"wording","label":"Policy Wordings - Digit Payment Protection Policy (Retail) - IRDAN158RP0024V01202223","pages":25,"fetched_at":"2026-10-17 19:41:09+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/others/policy-wordings-digit-payment-protection-policy-retail.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-payment-protection-policy-retail-irdan158rp0024v01202223/document/730"},{"kind":"prospectus","label":"Prospectus - Digit Payment Protection Policy (Retail) - IRDAN158RP0024V01202223","pages":16,"fetched_at":"2026-10-17 19:37:58+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/others/prospectus-digit-payment-protection-policy-retail.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-payment-protection-policy-retail-irdan158rp0024v01202223/document/548"},{"kind":"cis","label":"CIS - Digit Payment Protection Policy (Retail) - IRDAN158RP0024V01202223","pages":3,"fetched_at":"2026-10-17 19:38:55+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/others/cis-digit-payment-protection-policy-retail.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-payment-protection-policy-retail-irdan158rp0024v01202223/document/599"}],"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 Payment Protection Policy (Retail) (UIN IRDAN158RP0024V01202223), IndiaInsurances, https://indiainsurances.com/policy/go-digit-general-insurance/digit-payment-protection-policy-retail-irdan158rp0024v01202223"}