{"uin":"IRDAN158RPAV0044V01202425","name":"Digit Aviation Insurance Policy For Pilots","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-aviation-insurance-policy-for-pilots-irdan158rpav0044v01202425","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 Aviation Insurance Policy for Pilots covers pilots for loss of license due to incapacity and for personal accident. The policy period is 1 year only and coverage is on 24 Hours and on Worldwide Basis unless the Policy Schedule says otherwise.","analysis":{"state":"machine","analysed_at":"2026-10-19 18:22:12.363296+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"The documents describe cover sections, not 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":"quote-verified","value":"The policy period is 1 year only.","display":"1 year only","note":null,"quote":"The policy period under this product will be for 1 year only.","sources":[{"clause":null,"heading":"What are Policy Period options?","page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-aviation-insurance-policy-for-pilots-irdan158rpav0044v01202425/document/695#c-what-are-policy-period-options"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"conflicting","value":"Immediate notice in writing, and in any case within 30 days, must be sent to the Company for any injury, illness, disease or disability.","display":"Immediate notice in writing and in any case within 30 days","note":"CIS says: \"Immediately notify Us in writing and in any event within 14 days, from the date of incident giving rise to a claim under this Policy.\"","quote":"Immediate notice in writing and in any case within 30 days, must be sent to the Company at its office noted in the policy of any injury illness disease or disability","sources":[{"clause":"18","heading":null,"page":6,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-aviation-insurance-policy-for-pilots-irdan158rpav0044v01202425/document/673#c-18"},{"clause":"Section 2","heading":"Personal Accident","page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-aviation-insurance-policy-for-pilots-irdan158rpav0044v01202425/document/634#c-section-2"}],"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":["completed claim form","all documentation required to support and substantiate the amount of Indemnification sought from the Company","CA-35 from competent authority","hospital discharge certificate","A letter from the employer confirming the hospitalization and having intimated DGCA of the same","Salary Slip and form 16"],"display":"Completed claim form, supporting documentation, CA-35, hospital certificate or discharge certificate, employer letter, Salary Slip and form 16","note":null,"quote":"The Insured Person shall within 30 days deliver to the Company its completed claim form detailing the loss or damage that has occurred and an estimate of the quantum of any claim along with all documentation required to support and substantiate the amount of Indemnification sought from the Company ... Temporary Medical Unfitness claims will be processed up to the fitness date of receipt of CA-35 from competent authority. ... certificate from the authority admitting him/ her or treating him/ her at the hospital or hospital discharge certificate ... A letter from the employer confirming the hospitalization and having intimated DGCA of the same and also the inability of the member to present himself before the medical authority will also be submitted. ... Pilots are required to share last available documents such as Salary Slip and form 16","sources":[{"clause":"Section 2","heading":"Personal Accident","page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-aviation-insurance-policy-for-pilots-irdan158rpav0044v01202425/document/634#c-section-2"},{"clause":"Section I(iv)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-aviation-insurance-policy-for-pilots-irdan158rpav0044v01202425/document/673#c-section-i-iv"},{"clause":"11","heading":null,"page":6,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-aviation-insurance-policy-for-pilots-irdan158rpav0044v01202425/document/673#c-11-2"},{"clause":"29","heading":null,"page":8,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-aviation-insurance-policy-for-pilots-irdan158rpav0044v01202425/document/673#c-29"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"not-stated","value":null,"display":null,"note":"The wording says the Company shall settle or reject a claim as per prevailing guidelines, and the CIS says turnaround time depends on the nature of claim; neither gives a fixed settlement time.","quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Any personal injury, illness, disease or disability existing prior to the inception of this insurance","War, whether declared or not","The Insured Person taking part in riots or civil commotion.","Intentional self-injury, suicide or attempted suicide","Deliberate exposure of the Insured Person to exceptional danger","Riding or driving in any kind of a race.","Chronic alcoholism or the habitual taking of drugs.","While under the influence of liquor or drugs.","Through deliberate or intentional, unlawful or criminal act, error or omission.","Any act resulting into breach of law or violation of DGCA rules by the Insured Person.","The insured Person flying in an aircraft used for any illegal purpose or engaged or taking part in racing, record attempts speed trials, acrobatics.","The Insurance under this policy shall not extend to cover death or temporary disablement resulting directly or indirectly from pregnancy or in consequence thereof."],"display":"Pre-existing injury/illness/disability, war, riots, self-injury or suicide, exceptional danger, racing, chronic alcoholism or drugs, liquor or drugs, unlawful or criminal acts, DGCA rule breach, illegal aircraft use or acrobatics, pregnancy-related death or temporary disablement","note":"Exclusions differ by section; this list includes main exclusions from Loss of License Insurance and Personal Accident.","quote":"Any personal injury, illness, disease or disability existing prior to the inception of this insurance, whether such personal injury, illness disease or disability has been declared in writing to the company or not. ... War, whether declared or not including any enforcement action by or on behalf of the United Nations. ... The Insured Person taking part in riots or civil commotion. ... Intentional self-injury, suicide or attempted suicide (whether felonious or not) provoked assault, dueling fighting (except in bonafide self-defense). ... Deliberate exposure of the Insured Person to exceptional danger ... Riding or driving in any kind of a race. ... Chronic alcoholism or the habitual taking of drugs. ... While under the influence of liquor or drugs. ... Through deliberate or intentional, unlawful or criminal act, error or omission. ... Any act resulting into breach of law or violation of DGCA rules by the Insured Person. ... The insured Person flying in an aircraft used for any illegal purpose or engaged or taking part in racing, record attempts speed trials, acrobatics. ... The Insurance under this policy shall not extend to cover death or temporary disablement resulting directly or indirectly from pregnancy or in consequence thereof.","sources":[{"clause":"Section I(vi)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-aviation-insurance-policy-for-pilots-irdan158rpav0044v01202425/document/673#c-section-i-vi"},{"clause":"Section I(vii)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-aviation-insurance-policy-for-pilots-irdan158rpav0044v01202425/document/673#c-section-i-vii"},{"clause":"Section I(xi)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-aviation-insurance-policy-for-pilots-irdan158rpav0044v01202425/document/673#c-section-i-xi"},{"clause":"Section I(xii)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-aviation-insurance-policy-for-pilots-irdan158rpav0044v01202425/document/673#c-section-i-xii"},{"clause":"Section II(iii)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-aviation-insurance-policy-for-pilots-irdan158rpav0044v01202425/document/673#c-section-ii-iii"},{"clause":"Section II(v)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-aviation-insurance-policy-for-pilots-irdan158rpav0044v01202425/document/673#c-section-ii-v"},{"clause":"Section II(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-aviation-insurance-policy-for-pilots-irdan158rpav0044v01202425/document/673#c-section-ii-b"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First call the 24X7 toll free number 1800-258-5956 or email hello@godigit.com; the grievance email is grievance@godigit.com. If the response is not satisfactory, the policyholder or claimant may approach the Insurance Ombudsman.","display":"Call 1800-258-5956 or email hello@godigit.com; grievance@godigit.com before 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. After investigating the matter internally and subsequent closure, We will send Our response. Email: 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 appointed by IRDAI under the Insurance Ombudsman Scheme.","sources":[{"clause":"E","heading":"CUSTOMER GRIEVANCE REDRESSAL POLICY","page":8,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-aviation-insurance-policy-for-pilots-irdan158rpav0044v01202425/document/673#c-e"}],"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":["bodily injury and/or illness or disease resulting in Incapacity","Permanent Total Disablement","Temporary Total Disablement","accidental bodily injury including an Aviation accident resulting in the death or loss of two limbs, two eyes or loss of one limb and one eye","Covid claims","Losses caused due to Terrorism, Terrorist activities, High jacking , Naxalism"],"display":"Loss of license from bodily injury/illness/disease causing incapacity, personal accident including aviation accident, Covid claims, terrorism, high jacking and Naxalism","note":"Loss of License Insurance and Personal Accident apply only if opted and mentioned in the Policy Schedule.","quote":"bodily injury and/or illness or disease sustained and/or contracted anytime during the period of insurance resulting whether during or after the period of insurance but not beyond the period of 15 Months (unless specifically mentioned otherwise in the Policy Schedule/ Certificate of Insurance) after the expiry of the policy, in Insured Person’s Incapacity ... Permanent Total Disablement ... Temporary Total Disablement ... accidental bodily injury sustained during the period of insurance, directly caused or arising out of or attributable to an accident including an Aviation accident caused by external, violent and visible means and resulting in the death or loss of two limbs, two eyes or loss of one limb and one eye ... Covid claims are covered under the policy. ... Losses caused due to Terrorism, Terrorist activities, High jacking , Naxalism stand covered.","sources":[{"clause":"Section I","heading":"LOSS OF LICENSE INSURANCE","page":3,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-aviation-insurance-policy-for-pilots-irdan158rpav0044v01202425/document/673#c-section-i"},{"clause":"Section II","heading":"PERSONAL ACCIDENT","page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-aviation-insurance-policy-for-pilots-irdan158rpav0044v01202425/document/673#c-section-ii"},{"clause":"2","heading":null,"page":5,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-aviation-insurance-policy-for-pilots-irdan158rpav0044v01202425/document/673#c-2-2"},{"clause":"25","heading":null,"page":7,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-aviation-insurance-policy-for-pilots-irdan158rpav0044v01202425/document/673#c-25"}],"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 CIS points to the Policy Schedule for Deductible/Excess, and the sample Personal Accident calculation shows Nil only for a sample claim.","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":"If the insured cancels during the term by informing the insurer, the insurer refunds proportion premium for the unexpired policy period, provided no claim has been made during the policy period.","display":"Proportion premium for unexpired policy period, if no claim(s) made","note":null,"quote":"Cancellation by Insured: Policy may be cancelled at the option of the insured at any time during the term, by informing Us. In such a case we shall refund proportion premium for unexpired policy period, there is no claim(s) made during the policy period.","sources":[{"clause":"30","heading":"Cancellation","page":8,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-aviation-insurance-policy-for-pilots-irdan158rpav0044v01202425/document/673#c-30"}],"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":"Policy coverage is on 24 Hours and on Worldwide Basis, unless specifically mentioned otherwise in the Policy Schedule or Certificate of Insurance.","display":"24 Hours and on Worldwide Basis","note":null,"quote":"Policy Coverage is on 24 Hours and on Worldwide Basis, unless specifically mentioned otherwise in the Policy Schedule/ Certificate of Insurance.","sources":[{"clause":"14","heading":null,"page":6,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-aviation-insurance-policy-for-pilots-irdan158rpav0044v01202425/document/673#c-14-2"}],"law":[]},{"key":"subject_covered","label":"What is insured","section":"Cover","meaning":"The thing or risk this policy covers.","status":"quote-verified","value":"The policy insures pilots for loss of license arising from incapacity due to bodily injury, illness or disease, and for personal accident from accidental bodily injury including aviation accident.","display":"Pilots’ loss of license and personal accident","note":"Only Sections mentioned in the Policy Schedule apply.","quote":"SECTION I: LOSS OF LICENSE INSURANCE ... SECTION II: PERSONAL ACCIDENT ... bodily injury and/or illness or disease sustained and/or contracted anytime during the period of insurance ... in Insured Person’s Incapacity ... accidental bodily injury sustained during the period of insurance, directly caused or arising out of or attributable to an accident including an Aviation accident","sources":[{"clause":null,"heading":"Table of Contents","page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-aviation-insurance-policy-for-pilots-irdan158rpav0044v01202425/document/673#c-table-of-contents"},{"clause":"Section I","heading":"LOSS OF LICENSE INSURANCE","page":3,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-aviation-insurance-policy-for-pilots-irdan158rpav0044v01202425/document/673#c-section-i"},{"clause":"Section II","heading":"PERSONAL ACCIDENT","page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-aviation-insurance-policy-for-pilots-irdan158rpav0044v01202425/document/673#c-section-ii"}],"law":[]}],"documents":[{"kind":"wording","label":"Policy Wordings - Digit Aviation Insurance Policy for Pilots - IRDAN158RPAV0044V01202425","pages":10,"fetched_at":"2026-10-17 19:40:14+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/others/policy-wordings-digit-aviation-insurance-policy-for-pilots.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-aviation-insurance-policy-for-pilots-irdan158rpav0044v01202425/document/673"},{"kind":"prospectus","label":"Prospectus - Digit Aviation Insurance Policy for Pilots - IRDAN158RPAV0044V01202425","pages":4,"fetched_at":"2026-10-17 19:40:38+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/others/prospectus-digit-aviation-insurance-policy-for-pilots.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-aviation-insurance-policy-for-pilots-irdan158rpav0044v01202425/document/695"},{"kind":"cis","label":"CIS - Digit Aviation Insurance Policy For Pilots - IRDAN158RPAV0044V01202425","pages":3,"fetched_at":"2026-10-17 19:39:33+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/others/cis-digit-aviation-insurance-policy-for-pilots.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-aviation-insurance-policy-for-pilots-irdan158rpav0044v01202425/document/634"}],"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 Aviation Insurance Policy For Pilots (UIN IRDAN158RPAV0044V01202425), IndiaInsurances, https://indiainsurances.com/policy/go-digit-general-insurance/digit-aviation-insurance-policy-for-pilots-irdan158rpav0044v01202425"}