{"uin":"IRDAN159RP0019V01202021","name":"Edelweiss General Insurance Company Limited, Bharat Griha Raksha Policy","url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-griha-raksha-policy-irdan159rp0019v01202021","insurer":{"slug":"zuno-general-insurance","name":"Zuno General Insurance Ltd","url":"https://indiainsurances.com/insurer/zuno-general-insurance"},"line":"general","category":"home","category_name":"Home insurance","irdai_type":"Main product","kind":"product","status":"active","approved_on":"2021-03-30","withdrawn_on":null,"summary":"Bharat Griha Raksha Policy covers a home building and/or home contents against listed insured events such as fire, earthquake, storm, flood, riot, terrorism, water tank bursting and limited theft after an insured event. Building sum insured is based on cost of construction, general contents have built-in cover of 20% of building sum insured up to ₹ 10 Lakh when both covers are opted, and underinsurance does not apply.","analysis":{"state":"machine","analysed_at":"2026-10-20 05:26:36.327084+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 wording describes covers selected in the Policy Schedule but does not name 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 Policy Period and expiry date are shown in the Policy Schedule; no fixed policy term is printed in the wording.","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 immediately give notice of physical loss or damage, and submit the claim form at the earliest opportunity but within 30 days from the date you first notice the loss or damage.","display":"Immediate notice of loss or damage; claim form within 30 days from first noticing it.","note":null,"quote":"As soon as any physical loss or damage occurs to Your Home Building or Home Contents due to an Insured Event, You must immediately give notice to Us of the loss or damage. ... You must submit Your claim in Our claim form at the earliest opportunity, but within 30 days from the date You first notice the loss or damage.","sources":[{"clause":"Row 4(IV)(a)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-griha-raksha-policy-irdan159rp0019v01202021/document/26717#c-row-4-iv-a"},{"clause":"Row 4(IV)(a)(i)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-griha-raksha-policy-irdan159rp0019v01202021/document/26717#c-row-4-iv-a-i"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Our claim form","photographs of loss or physical damage, wherever possible","plans, specification books, vouchers, invoices pertaining to costs incurred by You for reconstruction/replacement/repairs","Death Certificate and Post Mortem report (wherever necessary)"],"display":"Claim form, photographs where possible, plans/specification books/vouchers/invoices for reconstruction/replacement/repairs when requested, and death certificate/post-mortem report for optional personal accident.","note":null,"quote":"You must submit Your claim in Our claim form at the earliest opportunity, but within 30 days from the date You first notice the loss or damage. ... submit photographs of loss or physical damage, wherever possible. ... You must support Your claim for Home Building and/or Home Contents with plans, specification books, vouchers, invoices pertaining to costs incurred by You for reconstruction/replacement/repairs. ... For Optional Cover of Personal Accident, Death Certificate and Post Mortem report (wherever necessary) shall be submitted.","sources":[{"clause":"Row 4(IV)(a)(i)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-griha-raksha-policy-irdan159rp0019v01202021/document/26717#c-row-4-iv-a-i"},{"clause":"Row 4(IV)(c)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-griha-raksha-policy-irdan159rp0019v01202021/document/26717#c-row-4-iv-c"},{"clause":"Row 4(IV)(b)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-griha-raksha-policy-irdan159rp0019v01202021/document/26717#c-row-4-iv-b-5"},{"clause":"Row 4(IV)(c)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-griha-raksha-policy-irdan159rp0019v01202021/document/26717#c-row-4-iv-c-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 the insurer will settle within the policy limits and terms, but does not state a time period counted from intimation or 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":["Your deliberate, wilful or intentional act or ommission, or of anyone on Your behalf, or with Your connivance.","War, invasion, act of foreign enemy hostilities or war-like operations (whether war is declared or not), civil war, mutiny, civil commotion amounting to a popular rising, military rising, rebellion, revolution, insurrection or military or usurped power.","Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from combustion of nuclear fuel, or the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component that is part of it.","Pollution or contamination, unless the pollution or contamination itself has resulted from an Insured Event, or an Insured Event itself results from pollution or contamination.","Loss, damage or destruction to any electrical/electronic machine, apparatus, fixture, or fitting by over-running, excessive pressure, short circuiting, arcing, self- heating or leakage of electricity from whatever cause (lightning included).","Loss or damage to bullion or unset precious stones, manuscripts, plans, drawings, securities, obligations or documents of any kind, coins or paper money, cheques, vehicles, and explosive substances unless otherwise expressly stated in the policy.","Loss of any Insured Property which is missing or has been mislaid, or its disappearance cannot be linked to any single identifiable event.","Loss or damage to any Insured Property removed from Your Home to any other place.","Loss of earnings, loss by delay, loss of market or other consequential or indirect loss or damage of any kind or description whatsoever.","Any reduction in market value of any Insured Property after its repair or reinstatement.","Any addition, extension, or alteration to any structure of Your Home Building that increases its Carpet Area by more than 10% of the Carpet Area existing at the Commencement Date or on the date of renewal of this Policy, unless You have paid additional premium and such addition, extension or alteration is added by Endorsement.","Costs, fees or expenses for preparing any claim."],"display":"Deliberate acts, war and similar events, nuclear radiation, pollution or contamination except where linked to an insured event, electrical/electronic over-running or short-circuit damage, specified valuables/documents/money/vehicles/explosives unless expressly covered, missing or mislaid property, property removed from the home, consequential loss, market-value reduction, large undeclared building additions, and claim preparation costs.","note":null,"quote":"1. Your deliberate, wilful or intentional act or ommission, or of anyone on Your behalf, or with Your connivance.\n2. War, invasion, act of foreign enemy hostilities or war-like operations (whether war is declared or not), civil war, mutiny, civil commotion amounting to a popular rising, military rising, rebellion, revolution, insurrection or military or usurped power.\n3. Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from combustion of nuclear fuel, or the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component that is part of it.\n4. Pollution or contamination, unless ... i) the pollution or contamination itself has resulted from an Insured Event, or ... ii) an Insured Event itself results from pollution or contamination.\n5. Loss, damage or destruction to any electrical/electronic machine, apparatus, fixture, or fitting by over-running, excessive pressure, short circuiting, arcing, self- heating or leakage of electricity from whatever cause (lightning included). This exclusion applies only to the particular machine so lost, damaged or destroyed.\n6. Loss or damage to bullion or unset precious stones, manuscripts, plans, drawings, securities, obligations or documents of any kind, coins or paper money, cheques, vehicles, and explosive substances unless otherwise expressly stated in the policy.\n7. Loss of any Insured Property which is missing or has been mislaid, or its disappearance cannot be linked to any single identifiable event.\n8. Loss or damage to any Insured Property removed from Your Home to any other place.\n9. Loss of earnings, loss by delay, loss of market or other consequential or indirect loss or damage of any kind or description whatsoever.\n10. Any reduction in market value of any Insured Property after its repair or reinstatement.\n11. Any addition, extension, or alteration to any structure of Your Home Building that increases its Carpet Area by more than 10% of the Carpet Area existing at the Commencement Date or on the date of renewal of this Policy, unless You have paid additional premium and such addition, extension or alteration is added by Endorsement.\n12. Costs, fees or expenses for preparing any claim.","sources":[{"clause":"Row 4(b)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-griha-raksha-policy-irdan159rp0019v01202021/document/26717#c-row-4-b-9"},{"clause":"Row 4(b)(i)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-griha-raksha-policy-irdan159rp0019v01202021/document/26717#c-row-4-b-i-2"},{"clause":"Row 4(b)(ii)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-griha-raksha-policy-irdan159rp0019v01202021/document/26717#c-row-4-b-ii-2"}],"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 the company through its touch points, toll-free number or support email, then the Grievance Cell or Grievance Redressal Officer. If not satisfied or no response is received, the wording gives IRDAI grievance contacts and says the Insurance Ombudsman may be approached post 30 days from complaint registration.","display":"Complain to Edelweiss first through support/toll-free, Grievance Cell or Grievance Redressal Officer; Ombudsman after 30 days if unresolved.","note":null,"quote":"If You have a grievance about any matter relating to the Policy, or Our decision on any matter, or the claim, You can address Your grievance as follows: ... For easy and faster response, please feel free to contact on our toll free number Call us at: 180012000 or 02242312000 Email us at: support@edelweissinsurance.com ... Please feel free to contact our Grievance Cell on Call us at: 1800 1200 216216 Email: grievance@edelweissinsurance.com ... The Grievance Redressal Officer Email: grievanceofficer@edelweissinsurance.com ... you may approach the Insurance Ombudsman in your region for the resolution post 30 days from the date of registration of the complaint.","sources":[{"clause":"Row 4(IV)(b)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-griha-raksha-policy-irdan159rp0019v01202021/document/26717#c-row-4-iv-b-10"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["Fire","Explosion or Implosion","Lightning","Earthquake, volcanic eruption, or other convulsions of nature","Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Tsunami, Flood and Inundation","Subsidence of the land on which Your Home Building stands, Landslide, Rockslide","Bush fire, Forest fire, Jungle fire","Impact damage of any kind, i.e., damage caused by impact of, or collision caused by any external physical object (e.g. vehicle, falling trees, aircraft, wall etc.)","Missile testing operations","Riot, Strikes, Malicious Damages","Acts of terrorism (Coverage as per Terrorism Clause attached)","Bursting or overflowing of water tanks, apparatus and pipes.","Leakage from automatic sprinkler installations.","Theft within 7 (seven )days from the occurrence of and proximately caused by any of the above Insured Events."],"display":"Fire; explosion or implosion; lightning; earthquake/volcanic eruption/other convulsions of nature; storm/cyclone/typhoon/tempest/hurricane/tornado/tsunami/flood/inundation; subsidence/landslide/rockslide; bush/forest/jungle fire; impact damage; missile testing; riot/strikes/malicious damages; terrorism; bursting/overflowing water tanks, apparatus and pipes; sprinkler leakage; theft within 7 days caused by an insured event.","note":null,"quote":"We cover physical loss or damage, or destruction caused to the Insured Property by | We do not cover any loss or damage, or destruction caused to the Insured Property ... 1 | Fire | caused by burning of Insured Property by order of any Public Authority. ... 2 | Explosion or Implosion | - ... 3 | Lightning | - ... 4 | Earthquake, volcanic eruption, or other convulsions of nature | -\n5 | Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Tsunami, Flood and Inundation | -\n6 | Subsidence of the land on which Your Home Building stands, Landslide, Rockslide | caused by a. normal cracking, settlement or bedding down of new structures, b. the settlement or movement of made up ground, c. coastal or river erosion, d. defective design or workmanship or use of defective materials, or e. demolition, construction, structural alterations or repair of any property, or groundworks or excavations.\n7 | Bush fire, Forest fire, Jungle fire | -\n8 | Impact damage of any kind, i.e., damage caused by impact of, or collision caused by any external physical object (e.g. vehicle, falling trees, aircraft, wall etc.) | caused by pressure waves caused by aircraft or other aerial or space devices travelling at sonic or supersonic speeds.\n9 | Missile testing operations | -\n10 | Riot, Strikes, Malicious Damages | caused by a. temporary or permanent dispossession, confiscation, commandeering, requisition or destruction by order of the government or any lawful authority, or b. temporary or permanent dispossession of Your Home by unlawful occupation by any person.\n11 | Acts of terrorism (Coverage as per Terrorism Clause attached) | Exclusions and Excess as per Terrorism Clause attached.\n12 | Bursting or overflowing of water tanks, apparatus and pipes. | -\n13 | Leakage from automatic sprinkler installations. | a. repairs or alterations in Your Home or the building in which Your Home is located, b. repairs, removal or extension of any sprinkler installation, or c. defects in the construction known to You.\n14 | Theft within 7 (seven )days from the occurrence of and proximately caused by any of the above Insured Events. | if it is a. of any article or thing outside Your Home, or b. of any article or thing attached from the outside of the outer walls or the roof of Your Home, unless securely mounted.","sources":[{"clause":"4","heading":"Special meaning of certain words","page":3,"url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-griha-raksha-policy-irdan159rp0019v01202021/document/26717#c-4"},{"clause":"Row 1","heading":"Fire","page":5,"url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-griha-raksha-policy-irdan159rp0019v01202021/document/26717#c-row-1"},{"clause":"Row 2","heading":"Explosion or Implosion","page":5,"url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-griha-raksha-policy-irdan159rp0019v01202021/document/26717#c-row-2"},{"clause":"Row 3","heading":"Lightning","page":5,"url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-griha-raksha-policy-irdan159rp0019v01202021/document/26717#c-row-3"},{"clause":"Row 4","heading":"Earthquake, volcanic eruption, or other convulsions of nature","page":5,"url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-griha-raksha-policy-irdan159rp0019v01202021/document/26717#c-row-4"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"quote-verified","value":"For the terrorism cover, Shops & Residential Risks have an excess of 1% of the claim amount for each and every claim, subject to a minimum of INR 10,000 and maximum of INR 500,000. No general deductible or excess is stated for other insured events in the wording.","display":"Terrorism cover: Shops & Residential Risks excess 1% of claim amount per claim, minimum INR 10,000 and maximum INR 500,000.","note":"The printed excess is in the Sabotage and Terrorism Damage Cover endorsement. The same endorsement also prints different excesses for non-industrial and industrial risks.","quote":"11 | Acts of terrorism (Coverage as per Terrorism Clause attached) | Exclusions and Excess as per Terrorism Clause attached. ... EXCESS* Shops & Residential Risks: 1% of the claim amount for each and every claim subject to Minimum of INR 10,000 and Maximum of INR 500,000","sources":[{"clause":"Row 4","heading":"Earthquake, volcanic eruption, or other convulsions of nature","page":5,"url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-griha-raksha-policy-irdan159rp0019v01202021/document/26717#c-row-4"},{"clause":"Row 4(IV)(b)(ii)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-griha-raksha-policy-irdan159rp0019v01202021/document/26717#c-row-4-iv-b-ii"}],"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 any time by written notice; the policy terminates when the insurer receives the notice. Refund is after retaining premium as per the short-period scale for a policy in force up to 1 year; for more than 1 year, the insurer retains full premium for completed years plus short-period scale for any remaining fraction of a year.","display":"Cancel any time by written notice; refund after short-period retention for up to 1 year, or full completed-year premium plus short-period retention for any remaining fraction if more than 1 year.","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:\nTime for which | Policy in force | Refund of premium\nUp to 1 Year | Refund after retaining premium as per short period scale for the time for which | Policy is in force.\nMore than 1 ye | ar | Refund after retaining full premium for completed year plus retaining premium scale for the remaining fraction of a year (if any) for the time for which Policy in | as per short period force\nShort Period Scale\nPolicy Period | Retention % of Annual Premium\nNot Exceeding 15 days | 10%\nNot Exceeding 1 month | 15%\nNot Exceeding 2 month | 30%\nNot Exceeding 3 month | 40%\nNot Exceeding 4 month | 50%\nNot Exceeding 5 month | 60%\nNot Exceeding 6 month | 70%\nNot Exceeding 7 month | 75%\nNot Exceeding 8 month | 80%\nNot Exceeding 9 month | 85%\nExceeding 9 month | Full Annual Premium","sources":[{"clause":"Row 4(III)(a)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-griha-raksha-policy-irdan159rp0019v01202021/document/26717#c-row-4-iii-a"},{"clause":"Row 4(III)(b)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-griha-raksha-policy-irdan159rp0019v01202021/document/26717#c-row-4-iii-b"}],"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 wording covers the home building/home contents mentioned in the Policy Schedule but does not state a geographic territory such as India only or worldwide.","quote":null,"sources":[],"law":[]},{"key":"building_cover","label":"Building cover","section":"Cover","meaning":"Cover for the structure and how its value is set.","status":"quote-verified","value":"The policy covers physical loss, damage or destruction of the Home Building caused by insured events, including specified fees, debris removal, and loss of rent or alternative accommodation. The Home Building sum insured is the prevailing Cost of Construction at commencement as declared by the insured and accepted by the insurer.","display":"Home Building physical loss/damage/destruction due insured events; sum insured is prevailing Cost of Construction at commencement.","note":null,"quote":"We cover physical loss or damage, or destruction of Your Home Building because of any Insured Event listed in Clause B of this Policy. We also cover architect’s, surveyor’s, consulting engineer’s fees, cost of removing debris as specified under Clause C (5) (f) of this Policy. Further, We pay for Loss of rent and Rent for Alternative Accommodation, which will be paid to the extent declared by You and agreed by Us as specified under Clause C (6) of this Policy while Your Home Building is not fit for living following loss or damage due to an insured event. ... The Sum Insured for the Home Building Cover is the prevailing Cost of Construction of Your Home Building at the Commencement Date as declared by You and accepted by Us and will be the maximum amount payable in the event the Home Building is a Total Loss.","sources":[{"clause":"4","heading":"Special meaning of certain words","page":6,"url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-griha-raksha-policy-irdan159rp0019v01202021/document/26717#c-4-2"},{"clause":"Row 4(a)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-griha-raksha-policy-irdan159rp0019v01202021/document/26717#c-row-4-a-4"}],"law":[]},{"key":"contents_cover","label":"Contents cover","section":"Cover","meaning":"Cover for household goods, jewellery and valuables, and limits.","status":"quote-verified","value":"The policy covers physical loss, damage or destruction of General Contents caused by an insured event. Valuable Contents are not covered unless optional cover is purchased; built-in General Contents cover is 20% of Home Building sum insured up to ₹ 10 Lakh when both Home Building and Home Contents covers are opted, and higher contents sum insured needs declaration and additional premium.","display":"General Contents covered for insured events; built-in 20% of Home Building sum insured up to ₹ 10 Lakh if both covers are opted; Valuable Contents only if optional cover is purchased.","note":null,"quote":"We cover the physical loss or damage to or destruction of the General Contents of Your Home caused by an Insured Event as listed in Clause B of this Policy. Valuable Contents of Your Home are not covered under this Policy unless You have purchased the optional cover for the Valuable Contents. ... The policy has a built-in cover for the General Contents of Your home equal to 20% of the Sum Insured for Home Building Cover subject to a maximum of ₹ 10 Lakh (Rupees Ten Lakh) provided You have opted for both Home Building and Home Contents cover. If You choose to have a higher Sum Insured for Home Contents, You have to declare the Sum Insured in the Proposal Form and pay additional premium. ... For Valuable Contents, a value may be agreed upon by You and Us based on a valuation certificate submitted by You and accepted by Us.","sources":[{"clause":"Row 4(e)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-griha-raksha-policy-irdan159rp0019v01202021/document/26717#c-row-4-e-3"},{"clause":"Row 4(b)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-griha-raksha-policy-irdan159rp0019v01202021/document/26717#c-row-4-b-7"},{"clause":"Row 4(a)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-griha-raksha-policy-irdan159rp0019v01202021/document/26717#c-row-4-a-9"}],"law":[]},{"key":"burglary","label":"Burglary and theft","section":"Cover","meaning":"Whether burglary is covered.","status":"quote-verified","value":"The policy states theft cover only for theft within 7 days from the occurrence of, and proximately caused by, an insured event. Theft of articles outside the home, or attached from outside the outer walls or roof, is not covered unless securely mounted.","display":"Theft covered only within 7 days from, and proximately caused by, an insured event; outside articles are excluded unless securely mounted.","note":"Burglary or house-breaking is not printed as a separate insured event in the main insured-events table.","quote":"14 | Theft within 7 (seven )days from the occurrence of and proximately caused by any of the above Insured Events. | if it is a. of any article or thing outside Your Home, or b. of any article or thing attached from the outside of the outer walls or the roof of Your Home, unless securely mounted.","sources":[{"clause":"Row 4","heading":"Earthquake, volcanic eruption, or other convulsions of nature","page":5,"url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-griha-raksha-policy-irdan159rp0019v01202021/document/26717#c-row-4"}],"law":[]},{"key":"rent_loss","label":"Rent and alternative accommodation","section":"Cover","meaning":"Cover for rent lost or a temporary home after damage.","status":"quote-verified","value":"The policy pays loss of rent or alternative rent while the Home Building is not fit for living because of physical loss arising out of an insured event, subject to the amount declared and agreed in the Policy Schedule. The accommodation must not be superior and must be in the same city, cover is for the reasonable repair time up to three years, and the building damage claim must be accepted.","display":"Loss of rent or alternative accommodation while the home is unfit after an insured event, up to the declared/agreed amount and for a maximum of three years.","note":null,"quote":"In addition to what Clause C (5) (c) of this Policy provides for, We will pay the amount of rent You lose or alternative rent You pay while Your Home Building is not fit for living because of physical loss arising out of an Insured Event as follows: ... We will pay the loss under this cover for an accommodation that is not superior to Your Home Building in any way and in the same city as Your Home Building. ... This cover will be available for the reasonable time required to repair Your Home Building to make it fit for living. The maximum period of this cover is three years from the date Your Home Building becomes unfit for living. You must submit a certificate from an architect or the local authority to show that Your Home Building is not fit for living. ... Claim for loss of rent will be accepted only if We have accepted Your claim for loss for physical damage to Your Home under the Home Building Cover.","sources":[{"clause":"Row 4(f)(ii)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-griha-raksha-policy-irdan159rp0019v01202021/document/26717#c-row-4-f-ii"},{"clause":"Row 4(b)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-griha-raksha-policy-irdan159rp0019v01202021/document/26717#c-row-4-b-6"},{"clause":"Row 4(d)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-griha-raksha-policy-irdan159rp0019v01202021/document/26717#c-row-4-d-4"},{"clause":"Row 4(e)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-griha-raksha-policy-irdan159rp0019v01202021/document/26717#c-row-4-e-3"}],"law":[]},{"key":"sum_insured_basis","label":"Sum insured basis","section":"Cover","meaning":"How the cover amount is set: market value, reinstatement value, agreed value, IDV.","status":"quote-verified","value":"Home Building sum insured is the prevailing Cost of Construction at the commencement date as declared and accepted. General Contents have a built-in sum insured of 20% of Home Building sum insured up to ₹ 10 Lakh if both covers are opted, or a declared sum insured; Valuable Contents are on an agreed value basis when optional cover is bought.","display":"Building: prevailing Cost of Construction at commencement. Contents: built-in 20% of building sum insured up to ₹ 10 Lakh if both covers are opted, or declared; valuables optional on agreed value basis.","note":null,"quote":"The Sum Insured for the Home Building Cover is the prevailing Cost of Construction of Your Home Building at the Commencement Date as declared by You and accepted by Us and will be the maximum amount payable in the event the Home Building is a Total Loss. ... The policy has a built-in cover for the General Contents of Your home equal to 20% of the Sum Insured for Home Building Cover subject to a maximum of ₹ 10 Lakh (Rupees Ten Lakh) provided You have opted for both Home Building and Home Contents cover. If You choose to have a higher Sum Insured for Home Contents, You have to declare the Sum Insured in the Proposal Form and pay additional premium. ... For Valuable Contents, a value may be agreed upon by You and Us based on a valuation certificate submitted by You and accepted by Us.","sources":[{"clause":"Row 4(a)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-griha-raksha-policy-irdan159rp0019v01202021/document/26717#c-row-4-a-4"},{"clause":"Row 4(b)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-griha-raksha-policy-irdan159rp0019v01202021/document/26717#c-row-4-b-7"},{"clause":"Row 4(a)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-griha-raksha-policy-irdan159rp0019v01202021/document/26717#c-row-4-a-9"}],"law":[]},{"key":"under_insurance","label":"Under-insurance (average) clause","section":"Limits and co-pay","meaning":"If the sum insured is less than the real value, claims are cut in proportion.","status":"quote-verified","value":"Underinsurance does not apply. If the sum insured calculated from the information you provided is less than the actual value at risk, the difference will not affect the amount the insurer pays.","display":"Underinsurance does not apply; no average reduction if sum insured is less than actual value at risk.","note":null,"quote":"Clause I. Waiver of Underinsurance Underinsurance does not apply to the Bharat Griha Raksha Policy. Thus, if Your Sum Insured calculated on the basis of the information that You provided, is less than the actual value at risk, the difference will not affect the amount We pay.","sources":[{"clause":"Row 4(IV)(b)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-griha-raksha-policy-irdan159rp0019v01202021/document/26717#c-row-4-iv-b-9"}],"law":[]}],"documents":[{"kind":"wording","label":"Edelweiss General Insurance Company Limited, Bharat Griha Raksha Policy (IRDAI copy)","pages":21,"fetched_at":"2026-10-20 01:34:16+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN159RP0019V01202021_GEN3919.pdf/fb985424-eeb5-c823-9504-5eed65672d5c?version=1.1&t=1668329881560&download=true","url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-griha-raksha-policy-irdan159rp0019v01202021/document/26717"}],"versions":[{"uin":"GEN3919","version":null,"approved_on":null},{"uin":"IRDAN159RP0019V01202021","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Zuno General Insurance official website","url":"https://www.hizuno.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":"Health claims","url":"https://www.hizuno.com/health-insurance/health-claim","note":null},{"purpose":"claim","kind":"insurer","name":"Motor claims","url":"https://www.hizuno.com/claims-motor","note":null},{"purpose":"claim","kind":"insurer","name":"Other claims","url":"https://www.hizuno.com/other-claims","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"renew","kind":"insurer","name":"Health renewal","url":"https://www.hizuno.com/renewals/health-renewal","note":null},{"purpose":"renew","kind":"insurer","name":"Motor renewal","url":"https://www.hizuno.com/renewals/motor-renewal","note":null}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Edelweiss General Insurance Company Limited, Bharat Griha Raksha Policy (UIN IRDAN159RP0019V01202021), IndiaInsurances, https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-griha-raksha-policy-irdan159rp0019v01202021"}