{"uin":"IRDAN190RPMS0015V01202526","name":"Stree Shakti Samrakshan","url":"https://indiainsurances.com/policy/new-india-assurance/stree-shakti-samrakshan-irdan190rpms0015v01202526","insurer":{"slug":"new-india-assurance","name":"The New India Assurance Company Limited","url":"https://indiainsurances.com/insurer/new-india-assurance"},"line":"general","category":"other-general","category_name":"Other general insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Stree Shakti Samrakshan covers working women in the age group of 18-60 years for mass layoff, personal accident, POSH victim compensation, acid attack support, baggage and optional medical, educational, fire and burglary covers. Its territorial limit is India for all coverage except the Personal Accident cover, which is worldwide.","analysis":{"state":"machine","analysed_at":"2026-10-20 05:38:50.194507+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"The documents list covers, but do 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 wording refers to the period stated in the Schedule and to the Policy Period, but no fixed policy term is printed.","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":"General claim intimation must be within 30 days of the event. Emergency hospitalisation must be informed within 24 hours of admission; mass layoff must be notified within 30 days of the first termination notice; burglary/theft requires immediate notice to the insurer and police authorities.","display":"Within 30 days of happening; emergency hospitalisation within 24 hours; mass layoff within 30 days of first termination notice; burglary/theft immediate notice to insurer and police","note":"The company says it will examine and relax the time limits depending upon the merits of the case.","quote":"The Insured must notify the Insurer in writing within 30 days of the first termination notice. ... Immediate notice of loss must be given to the Insurer and police authorities in case of burglary/theft. ... Intimation about an event or occurrence that may give rise to a claim under this policy must be given within 30 days of its happening. ... If any treatment for which a claim may be made is to be taken and that treatment requires Hospitalisation in an Emergency, the company shall be informed within 24 hours of the admission of the insured person in Hospital.\nNote: The Company will examine and relax the time limit mentioned herein above depending upon the merits of the case.","sources":[{"clause":null,"heading":"Conditions","page":3,"url":"https://indiainsurances.com/policy/new-india-assurance/stree-shakti-samrakshan-irdan190rpms0015v01202526/document/13580#c-conditions"},{"clause":null,"heading":"Conditions","page":7,"url":"https://indiainsurances.com/policy/new-india-assurance/stree-shakti-samrakshan-irdan190rpms0015v01202526/document/13580#c-conditions-3"},{"clause":"6(i)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/new-india-assurance/stree-shakti-samrakshan-irdan190rpms0015v01202526/document/13580#c-6-i"},{"clause":"6(iii)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/new-india-assurance/stree-shakti-samrakshan-irdan190rpms0015v01202526/document/13580#c-6-iii"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Duly completed claim form","Photo Identity Proof of the insured person","Proof of payroll","Termination letters","FIR and Medical Reports confirming acid injury burns from a Govt hospital","POSH Committee report","inventory, invoices (if available), and loss estimate","copy of FIR","death/disability certificate as applicable","post mortem report from a Govt hospital or authorized Public Health Clinic","Any other relevant document required by the Company for assessment of the claim"],"display":"Claim form, photo ID, payroll proof and termination letters for mass layoff, FIR/medical reports for acid attack, POSH Committee report, inventory/invoices/loss estimate for fire and burglary, and other relevant documents","note":"Documents vary by cover.","quote":"• Duly completed claim form\n• Photo Identity Proof of the insured person\n• Any other relevant document required by the Company for assessment of the claim ... • Proof of payroll,\n• Termination letters C) Documents required in case of claims under section 2 (Survivor Resilience Support for Acid Attack Victims):\n• Compensation shall become payable only after filing of FIR and Medical Reports confirming acid injury burns from a Govt hospital.\n• Any other relevant document required by the Company for assessment of the claim ... • POSH Committee report\n• Any other relevant document required by the Company for assessment of the claim ... • Claim documents including inventory, invoices (if available), and loss estimate must be submitted. ... The insured shall submit following documents: Claim form, copy of FIR, death/disability certificate as applicable, along with any other relevant documents as required by Claims Processing Office. 3) In case of death by external, the post mortem report from a Govt hospital or authorized Public Health Clinic is a mandatory requirement.","sources":[{"clause":null,"heading":"A) Basic documents required for All claims","page":9,"url":"https://indiainsurances.com/policy/new-india-assurance/stree-shakti-samrakshan-irdan190rpms0015v01202526/document/13580#c-a-basic-documents-required-for-all-claims"},{"clause":null,"heading":"B) Documents required in case of claims under Section 1","page":9,"url":"https://indiainsurances.com/policy/new-india-assurance/stree-shakti-samrakshan-irdan190rpms0015v01202526/document/13580#c-b-documents-required-in-case-of-claims-under-sec"},{"clause":null,"heading":"D) Documents required in case of claims under section 3","page":9,"url":"https://indiainsurances.com/policy/new-india-assurance/stree-shakti-samrakshan-irdan190rpms0015v01202526/document/13580#c-d-documents-required-in-case-of-claims-under-sec"},{"clause":null,"heading":"E) Documents required in case of claim under section 4","page":9,"url":"https://indiainsurances.com/policy/new-india-assurance/stree-shakti-samrakshan-irdan190rpms0015v01202526/document/13580#c-e-documents-required-in-case-of-claim-under-sect"},{"clause":"Section 4","heading":"FIRE AND BURGLARY COVER – FIRST LOSS BASIS","page":3,"url":"https://indiainsurances.com/policy/new-india-assurance/stree-shakti-samrakshan-irdan190rpms0015v01202526/document/13604#c-section-4"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"not-stated","value":null,"display":null,"note":"The policy states that claims are payable in Indian currency, but does not state a time for deciding or paying claims.","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":["Coverage shall apply only to Mass Layoff Events occurring after a waiting period of 90 days from the Policy inception date.","Voluntary resignations","Retirement or natural attrition","Expiry of fixed-term contracts","Terminations due to misconduct, fraud, or disciplinary action","Fines, penalties, or damages imposed by any regulatory authority","Layoffs announced prior to the inception of the policy","Self-inflicted injuries.","Participation in unlawful acts","Incidents occurring prior to policy inception.","False or malicious complaints as determined by the POSH Committee","Claims arising from incidents outside the scope of employment","Cases where resignation is unrelated to the proven POSH incident.","War and nuclear risks","Consequential loss","Wilful act or gross negligence"],"display":"90-day mass layoff waiting period; voluntary resignations; retirement or natural attrition; fixed-term contract expiry; misconduct/fraud/disciplinary terminations; regulatory fines/penalties/damages; prior-announced layoffs; self-inflicted injuries; unlawful acts; prior acid attack incidents; false or malicious POSH complaints; POSH incidents outside employment; resignation unrelated to proven POSH incident; war and nuclear risks; consequential loss; wilful act or gross negligence","note":null,"quote":"Coverage shall apply only to Mass Layoff Events occurring after a waiting period of 90 days from the Policy inception date. ... EXCLUSIONS:\nUnder Section 1 (Mass Layoff cover):\nThis policy shall not cover:\n1. Voluntary resignations;\n2. Retirement or natural attrition;\n2. Retirement or natural attrition;\n3. Expiry of fixed-term contracts;\n3. Expiry of fixed-term contracts;\n4. Terminations due to misconduct, fraud, or disciplinary action;\n4. Terminations due to misconduct, fraud, or disciplinary action;\n5. Fines, penalties, or damages imposed by any regulatory authority; ... Layoffs announced prior to the inception of the policy.\n6. Layoffs announced prior to the inception of the policy.\nUnder Section 2 (Survivor Resilience Support for Acid Attack Victims):\n1. Self-inflicted injuries.\n2. Participation in unlawful acts\n3. Incidents occurring prior to policy inception.\nUnder Section 3 (POSH Victim Cover):\nThis policy shall not cover:\n1. False or malicious complaints as determined by the POSH Committee;\n2. Claims arising from incidents outside the scope of employment;\n2. Claims arising from incidents outside the scope of employment;\n3. Cases where resignation is unrelated to the proven POSH incident.\n3. Cases where resignation is unrelated to the proven POSH incident.\nUnder Section 3 (Fire and Burglary cover):\nThis cover shall not apply to loss or damage arising from:\n1. War and nuclear risks\n2. Consequential loss\n3. Wilful act or gross negligence","sources":[{"clause":null,"heading":"Waiting Period","page":3,"url":"https://indiainsurances.com/policy/new-india-assurance/stree-shakti-samrakshan-irdan190rpms0015v01202526/document/13580#c-waiting-period"},{"clause":null,"heading":"Conditions","page":7,"url":"https://indiainsurances.com/policy/new-india-assurance/stree-shakti-samrakshan-irdan190rpms0015v01202526/document/13580#c-conditions-3"},{"clause":"6","heading":null,"page":7,"url":"https://indiainsurances.com/policy/new-india-assurance/stree-shakti-samrakshan-irdan190rpms0015v01202526/document/13580#c-6"}],"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":"For a grievance, the insured person may contact the company through its website, toll free number, email, fax or courier, or approach the grievance cell at any branch. If not satisfied, the insured person may contact the grievance officer at New India Head Office before using IRDAI grievance systems or the Insurance Ombudsman.","display":"Company website/toll free/email/fax/courier or branch grievance cell first; then grievance officer at New India Head Office","note":null,"quote":"In case of any grievance the insured person may contact the company through\ni. Website: www.newindia.co.in\nii. Toll free: 1800 209 1415\niii. E-mail: As stated in the policy schedule\niv. Fax : As stated in the policy schedule\nv. Courier: As stated in the policy schedule\nInsured person may also approach the grievance cell at any of the company’s branches with the details of grievance\nIf Insured person is not satisfied with the redressal of grievance through one of the above methods, insured person may contact the grievance officer at New India Head Office.","sources":[{"clause":null,"heading":"Grievances","page":12,"url":"https://indiainsurances.com/policy/new-india-assurance/stree-shakti-samrakshan-irdan190rpms0015v01202526/document/13580#c-grievances"}],"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":["Mass Layoff cover - Compulsory cover","Personal accident - Compulsory cover","Medical Expenses - Add on cover (Optional)","Educational Grant - Add on cover (Optional)","Survivor Resilience Support for Acid Attack Victims - In built cover","Baggage - In built cover","POSH Victim Cover - Compulsory cover","Fire and Burglary cover – First Loss Basis (Household Contents – Excluding Valuables & Jewellery) - Optional cover"],"display":"Mass Layoff, Personal accident, optional Medical Expenses, optional Educational Grant, Acid Attack Victim support, Baggage, POSH Victim Cover, and optional Fire and Burglary cover","note":"Medical Expenses, Educational Grant and Fire and Burglary are optional covers; Survivor Resilience Support for Acid Attack Victims and Baggage are in-built covers.","quote":"1 | 1 | Mass Layoff cover - Compulsory cover | Mass Layoff cover - Compulsory cover | Up to 40 % of 6 months ... 2 | Personal accident - Compulsory cover | Up to 10 time’s annual gainful\nincome.\n3 | Medical Expenses - Add on cover (Optional) | Medical Expenses - Add on cover (Optional) | 25% of CSI or Rs.5 lacs\nwhichever is less , in multiple of 50,000/-\n4 | Educational Grant - Add on cover (Optional) | Up to 10 % of SI per child\nsubject to maximum Rs 7.5 lakhs per child for 2 dependent children below the\nage of 25 years | .\nFor single mother - Rs 10 lakhs per child for 2 dependent children below the age of 25 years.\n5 | Survivor Resilience Support for Acid Attack Victims - | Up to Rs.5 lacs.\nIn built cover\n6 | Baggage - In built cover | Up to Rs.50,000/-. | Up to Rs.50,000/-.\n7 | POSH Victim Cover - Compulsory cover | POSH Victim Cover - Compulsory cover ... 8 | Fire and Burglary cover – First Loss Basis | Up to Rs.5 lacs. | Up to Rs.5 lacs.\n(Household Contents – Excluding Valuables & Jewellery) - Optional cover","sources":[{"clause":"Row 1","heading":"1","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/stree-shakti-samrakshan-irdan190rpms0015v01202526/document/13580#c-row-1"},{"clause":null,"heading":"Stree Shakti Samrakshan Policy","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/stree-shakti-samrakshan-irdan190rpms0015v01202526/document/13580#c-stree-shakti-samrakshan-policy-2"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"quote-verified","value":"Loss participation is not applicable. For the Fire and Burglary optional cover, the excess/deductible is NIL.","display":"Loss Participation: Not applicable; Fire and Burglary Excess / Deductible- NIL","note":null,"quote":"7 | Loss Participation | Not applicable | Policy schedule ... Excess / Deductible- NIL.","sources":[{"clause":"Row 5","heading":"Sum Insured","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/stree-shakti-samrakshan-irdan190rpms0015v01202526/document/13604#c-row-5"},{"clause":null,"heading":"Basis of Indemnity","page":6,"url":"https://indiainsurances.com/policy/new-india-assurance/stree-shakti-samrakshan-irdan190rpms0015v01202526/document/13580#c-basis-of-indemnity"}],"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":"The retail policyholder can cancel the policy at any time during the term without giving reasons. If cancelled by the policyholder, the insurer refunds proportionate premium for the unexpired policy period if no claim has been made, but no refund is made if any claim has been admitted, lodged, or any benefit availed.","display":"Cancel any time; proportionate refund for unexpired period if no claim; no refund if any claim admitted, lodged or benefit availed","note":null,"quote":"The retail policyholder can cancel the policy at any time during the term, by informing the insurer. In case the Policyholder cancels the policy, he/ she is not required to give reasons for cancellation. ... The insurer shall refund proportionate premium for unexpired policy period, subject to there is no claim(s) made during the policy period ... no refunds of premium shall be made in respect of cancellation where, any claim has been admitted or has been lodged or any benefit has been availed by the insured person under the policy.","sources":[{"clause":null,"heading":"Cancellation Clause","page":11,"url":"https://indiainsurances.com/policy/new-india-assurance/stree-shakti-samrakshan-irdan190rpms0015v01202526/document/13580#c-cancellation-clause"}],"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":"All coverage is subject to jurisdiction in India except for the Personal Accident cover, which is worldwide.","display":"India, except Personal Accident cover is worldwide","note":null,"quote":"Territorial Limit All coverage is subject to jurisdiction in India except for the Personal Accident cover which is worldwide.","sources":[{"clause":null,"heading":"General Terms and Conditions","page":9,"url":"https://indiainsurances.com/policy/new-india-assurance/stree-shakti-samrakshan-irdan190rpms0015v01202526/document/13580#c-general-terms-and-conditions"}],"law":[]},{"key":"subject_covered","label":"What is insured","section":"Cover","meaning":"The thing or risk this policy covers.","status":"quote-verified","value":"The interests insured are all cross sections of working women in the age group of 18-60 years.","display":"All cross sections of working women in the age group of 18-60 years","note":null,"quote":"4 | Interests Insured | All cross sections of working women in the age group of 18-60 years | Policy schedule","sources":[{"clause":null,"heading":"Customer Information Sheet","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/stree-shakti-samrakshan-irdan190rpms0015v01202526/document/13604#c-customer-information-sheet"}],"law":[]}],"documents":[{"kind":"wording","label":"Policy clause","pages":19,"fetched_at":"2026-10-17 19:56:10+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/miscellaneous/stree-samrakshan/Stree%20Shakti%20Samrakshan%20%20Policy%20clause.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/stree-shakti-samrakshan-irdan190rpms0015v01202526/document/13580"},{"kind":"prospectus","label":"Prospectus","pages":9,"fetched_at":"2026-10-17 19:57:22+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/miscellaneous/stree-samrakshan/Stree%20Shakti%20Samrakshan%20Prospectus.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/stree-shakti-samrakshan-irdan190rpms0015v01202526/document/13606"},{"kind":"cis","label":"Customer Information Sheet","pages":6,"fetched_at":"2026-10-17 19:57:12+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/miscellaneous/stree-samrakshan/Stree%20Shakti%20Samrakshan%20CIS.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/stree-shakti-samrakshan-irdan190rpms0015v01202526/document/13604"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"New India Assurance official website","url":"https://www.newindia.co.in/","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":"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","url":"https://www.newindia.co.in/grievance","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":"Stree Shakti Samrakshan (UIN IRDAN190RPMS0015V01202526), IndiaInsurances, https://indiainsurances.com/policy/new-india-assurance/stree-shakti-samrakshan-irdan190rpms0015v01202526"}