{"uin":"IRDAN190RPPR0001V01202425","name":"New India Bharat Flexi Griha Raksha Long Term Policy","url":"https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-long-term-policy-irdan190rppr0001v01202425","insurer":{"slug":"new-india-assurance","name":"The New India Assurance Company Limited","url":"https://indiainsurances.com/insurer/new-india-assurance"},"line":"general","category":"home","category_name":"Home insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"This is a home insurance policy for individual dwellings, co-operative housing societies, home welfare associations and dwellings owned by corporates, covering home building and home contents. It covers events including fire, explosion, lightning, earthquake, STFI and theft within 7 days of an insured event, with no underinsurance and no deductible for the base policy.","analysis":{"state":"machine","analysed_at":"2026-10-20 05:37:48.882826+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Individual Dwellings","Cooperative Housing Societies","Home Welfare Association","Dwellings owned by Corporates"],"display":"Individual Dwellings; Cooperative Housing Societies; Home Welfare Association; Dwellings owned by Corporates","note":null,"quote":"• Individual Dwellings &\n• Cooperative Housing Societies, Home Welfare Association, Dwellings owned by Corporates.","sources":[{"clause":"1","heading":"To whom this Policy is issued","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-long-term-policy-irdan190rppr0001v01202425/document/13549#c-1"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"conflicting","value":"Policy wording says individual dwellings can be issued for up to 40 years based on building age, and co-operative housing societies/home welfare associations/dwellings owned by corporates for up to 5 years based on building age.","display":"Up to 40 years for individual dwellings; up to 5 years for co-operative housing societies/home welfare associations/dwellings owned by corporates, based on building age","note":"Lower-priority brochure says: 'You can opt for a duration up to 10 years.'","quote":"• The policy can be issued to individual dwellings for a maximum of up to 40 years s based on building age.\n• For Co-operative Housing Societies/Home Welfare Associations/Dwellings owned by Corporates up to 5 years s based on building age. ... You can opt for a duration up to 10 years.","sources":[{"clause":"1","heading":"To whom this Policy is issued","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-long-term-policy-irdan190rppr0001v01202425/document/13549#c-1"},{"clause":null,"heading":"How long does this cover protect me?","page":6,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-long-term-policy-irdan190rppr0001v01202425/document/13503#c-how-long-does-this-cover-protect-me"}],"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":"Inform the insurer immediately and submit the claim form within 30 days.","display":"Inform the insurer immediately; submit the claim form within 30 days","note":null,"quote":"• Inform the insurer immediately ... • Submit the claim form within 30 days","sources":[{"clause":null,"heading":"Claims Procedure","page":10,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-long-term-policy-irdan190rppr0001v01202425/document/13549#c-claims-procedure"}],"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":["claim form","evidence and photos","report to police, fire authorities etc"],"display":"Claim form; evidence and photos; report to police, fire authorities etc","note":null,"quote":"• Preserve evidence and take photos\n• report to police, fire authorities etc\n• Submit the claim form within 30 days","sources":[{"clause":null,"heading":"Claims Procedure","page":10,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-long-term-policy-irdan190rppr0001v01202425/document/13549#c-claims-procedure"}],"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":null,"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 omission","War, invasion, act of foreign enemy hostilities or war-like operations","Ionising radiation or contamination by radioactivity","Pollution or contamination","Loss, damage or destruction to any electrical/electronic machine, apparatus, fixture, or fitting by overrunning, excessive pressure, short circuiting, arcing, self- heating or leakage of electricity","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","Loss of any Insured Property which is missing or has been mislaid","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","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%","Costs, fees or expenses for preparing any claim"],"display":"Deliberate acts; war; ionising radiation or radioactivity; pollution or contamination; electrical/electronic damage; bullion and documents; missing property; property removed from home; consequential loss; reduction in market value; additions over 10%; claim preparation costs","note":null,"quote":"1. Your deliberate, wilful or intentional act or omission, 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 ... 5. Loss, damage or destruction to any electrical/electronic machine, apparatus, fixture, or fitting by overrunning, 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":null,"heading":"Exclusions (What We do not cover) for all covers under this policy","page":9,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-long-term-policy-irdan190rppr0001v01202425/document/13549#c-exclusions-what-we-do-not-cover-for-all-covers-u"},{"clause":"Row 1(d)(i)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-long-term-policy-irdan190rppr0001v01202425/document/13549#c-row-1-d-i"}],"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":"Complain first to the insurer's Grievance Redressal Officer at The New India Assurance Company Ltd., 87, M.G. Road, Fort, Mumbai – 400 001, email customercare.ho@newindia.co.in. If it is not resolved within 15 days or you are unhappy with the resolution, the policy says you can approach IRDAI's Grievance Redressal Cell.","display":"New India Grievance Redressal Officer, 87, M.G. Road, Fort, Mumbai – 400 001; customercare.ho@newindia.co.in","note":null,"quote":"If You have a grievance about any matter relating to the Policy, or Our decision on any matter, or the Our Grievance Redressal Officer\nThe New India Assurance Company Ltd : 87, M.G. Road, Fort, Mumbai – 400 001 E-mail customercare.ho@newindia.co.in : ... In case it is not resolved within 15 days or if You are unhappy with the resolution You can approach the Grievance Redressal Cell of the Consumer Affairs Department of IRDAI","sources":[{"clause":null,"heading":"Grievances","page":10,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-long-term-policy-irdan190rppr0001v01202425/document/13549#c-grievances"},{"clause":"Row 1(a)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-long-term-policy-irdan190rppr0001v01202425/document/13549#c-row-1-a-3"}],"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","Missile testing operations","Riot, Strikes, Malicious Damages","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; STFI; subsidence/landslide/rockslide; bush/forest/jungle fire; impact damage; missile testing; riot/strike/malicious damage; bursting or overflowing water tanks/apparatus/pipes; sprinkler leakage; theft within 7 days of an insured event","note":"Earthquake and STFI-related inbuilt covers can be opted out for a discount.","quote":"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 ... 7. | 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.) ... 9. | Missile testing operations | -\n10. | Riot, Strikes, Malicious Damages ... 11. | Bursting or overflowing of water tanks, apparatus and pipes. | -\n12. | Leakage from automatic sprinkler installations. ... 13. | Theft within 7 (seven )days from the occurrence of and proximately caused by any of the above Insured Events. ... Following covers are inbuilt covers. However, insured may opt out any of these and avail discount for the same.\n1. Earthquake, volcanic eruption, or other convulsions of nature\n2. Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Tsunami, Flood and Inundation, Lightning, Subsidence of the land, Landslide, Rockslide","sources":[{"clause":"Row 1","heading":"Fire","page":3,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-long-term-policy-irdan190rppr0001v01202425/document/13549#c-row-1"},{"clause":"Row 2","heading":"Explosion or Implosion","page":3,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-long-term-policy-irdan190rppr0001v01202425/document/13549#c-row-2"},{"clause":"Row 3","heading":"Lightning","page":3,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-long-term-policy-irdan190rppr0001v01202425/document/13549#c-row-3"},{"clause":"Row 4","heading":"Earthquake, volcanic eruption, or other convulsions of nature","page":3,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-long-term-policy-irdan190rppr0001v01202425/document/13549#c-row-4"},{"clause":null,"heading":"Insured Events","page":5,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-long-term-policy-irdan190rppr0001v01202425/document/13549#c-insured-events-2"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"quote-verified","value":"No deductibles are applicable for the policy. For terrorism risk, the coverage and excess are as per the Terrorism clause.","display":"No deductibles; terrorism risk excess as per Terrorism clause","note":"Terrorism is an optional cover on payment of additional premium.","quote":"8. | Deductibles: | • No deductibles are applicable for the policy • For terrorism risk the coverage and the Excess shall be as per Terrorism clause","sources":[{"clause":null,"heading":"CUSTOMER INFORMATION SHEET","page":2,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-long-term-policy-irdan190rppr0001v01202425/document/13562#c-customer-information-sheet-2"}],"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 by informing the insurer. If the policy term is up to one year and no claim has been made, the refund is proportionate premium for the unexpired policy period; if the term is more than one year, refund applies for the unexpired policy period for policy years whose risk coverage has not commenced, with long-term discount retained for tenures more than 10 years.","display":"Cancel any time; proportionate unexpired premium if term is up to one year and no claim; for term over one year, refund unexpired policy years whose risk has not commenced","note":null,"quote":"As per IRDAI guidelines for all retail policies the retail policyholder can cancel the policy at any time during the term, by informing the insurer.\n(i) refund proportionate premium for unexpired policy period, if the term of the policy is upto one year and there is no claim[s] made during the policy period. ... ii) refund premium for the unexpired policy period, in respect of policy with the term more than one year and the risk coverage for such policy years has not commenced. Also any long term discount allowed for long terms policies having tenure more than 10 years the same shall be retained whilst working out the retained premium","sources":[{"clause":null,"heading":"Rules for cancellation / Refund","page":10,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-long-term-policy-irdan190rppr0001v01202425/document/13549#c-rules-for-cancellation-refund"},{"clause":"Row 1(d)(ii)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-long-term-policy-irdan190rppr0001v01202425/document/13549#c-row-1-d-ii"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"not-stated","value":null,"display":null,"note":"The documents refer to the insured home/premises and the Policy Schedule, but do not state a geographic territory such as India 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":"Home Building means a residential unit with an enclosed structure and roof, basement if any, used as a dwelling place. Cost of Construction is the amount required to construct the home building at commencement, calculated as carpet area in square metres multiplied by the rate of cost of construction at commencement as declared by the insured and accepted by the insurer.","display":"Residential home building; value based on Carpet Area × Rate of Cost of Construction at commencement","note":null,"quote":"Your Home Building is a building consisting of a residential unit, having an enclosed structure and a roof, basement (if any) and used as a dwelling place described in detail as per Clause C (2) of this Policy. ... The amount required to construct Your Home Building at the Commencement Date. This amount is calculated as follows: ... Carpet Area of the structure in square metres X Rate of Cost of Construction at the Commencement Date. The Rate of Cost of Construction is the prevailing rate of cost of construction of Your Home Building at the Commencement Date as declared by You and accepted by Us and shown in the Policy schedule.","sources":[{"clause":"5","heading":"Endorsement","page":2,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-long-term-policy-irdan190rppr0001v01202425/document/13549#c-5"},{"clause":"3","heading":"Commencement Date","page":2,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-long-term-policy-irdan190rppr0001v01202425/document/13549#c-3"}],"law":[]},{"key":"contents_cover","label":"Contents cover","section":"Cover","meaning":"Cover for household goods, jewellery and valuables, and limits.","status":"quote-verified","value":"Home Contents are articles or things in the home not permanently attached or fixed to the structure, including General Contents and/or Valuable Contents. General Contents of the home can be covered automatically up to 20% of the Home Building sum insured, capped at INR 10 Lakhs; Valuable Contents can be covered on agreed value basis with additional premium.","display":"General contents automatically up to 20% of Home Building SI, capped at INR 10 Lakhs; valuable contents optional on agreed value basis","note":"Valuable contents cover is an optional cover with additional premium.","quote":"Those articles or things in Your Home that are not permanently attached or fixed to the structure of Your Home. Home Contents may consist of General Contents and/or Valuable Contents. ... General Contents are all the contents of household use in Your Home, e.g., furniture, electronic items and goods, antennae, solar panels, water storage equipment, kitchen equipment, electrical equipment (including those fitted on walls), clothing and apparel and items of similar nature. ... Valuable Contents of Your Home consist of items such as jewellery , silverware, paintings, works of art, antique items, curios and items of similar nature. ... • General Contents of your Home upto 20% of Sum Insured of Home Bilding\n• Subject to maximum of INR 10 Lakhs ] can be covered automatically ... b) Cover for Valuable Contents on Agreed Value Basis (under Home Contents cover):\nc) Value based on a valuation certificate However, waiver of Valuation Certificate if the Sum Insured opted for is up to ₹ 5 Lakh (Rupees Five Lakh) and Individual item value does not exceed ₹ 1 Lakh (Rupees One Lakh).","sources":[{"clause":"5","heading":"Endorsement","page":2,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-long-term-policy-irdan190rppr0001v01202425/document/13549#c-5"},{"clause":null,"heading":"Automatic Covers","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-long-term-policy-irdan190rppr0001v01202425/document/13561#c-automatic-covers"},{"clause":null,"heading":"1. Optional Covers ( with additional premium payment)","page":5,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-long-term-policy-irdan190rppr0001v01202425/document/13549#c-1-optional-covers-with-additional-premium-paymen"}],"law":[]},{"key":"burglary","label":"Burglary and theft","section":"Cover","meaning":"Whether burglary is covered.","status":"quote-verified","value":"The policy covers theft only within 7 days from the occurrence of and proximately caused by an insured event. It does not cover such theft if it is of an article or thing outside the home, or attached from outside the outer walls or roof unless securely mounted.","display":"Theft within 7 days of and proximately caused by an insured event is covered","note":"General burglary or theft not linked to an insured event is not stated as covered.","quote":"13. | 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":3,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-long-term-policy-irdan190rppr0001v01202425/document/13549#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 wording states an add-on for brokerage for alternate accommodation, applicable to individual dwellings covering Home Building, paying actual brokerage expenses up to Rs.25,000/- or one month rent whichever is less. The lower-priority brochure also says the policy pays Loss of Rent and Rent for Alternative Accommodation while the Home Building is not fit for living because of physical loss arising out of an Insured Event.","display":"Add-on brokerage for alternate accommodation up to Rs.25,000/- or one month rent, whichever is less; lower-priority brochure says Loss of Rent and Rent for Alternative Accommodation","note":"Policy wording gives brokerage for alternate accommodation as an add-on; the cited brochure statement is lower priority.","quote":"9] Brokerage for Alternate accommodation (Applicable to dwellings — individual only on covering Home Building)\nIn the event the home building is not fit for living because of physical loss arising out of insured peril, we will pay the Brokerage payment towards alternative accommodation of rent i.e.\nActual expenses incurred by the insured towards brokerage upto maximum of Rs.25,000/- or one month rent whichever is less.\nLimit: Maximum Rs. 25,000/- ... Further, the policy also pays for Loss of Rent and Rent for Alternative Accommodation while the Home Building is not fit for living because of physical loss arising out of an Insured Event.","sources":[{"clause":"Row 1(d)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-long-term-policy-irdan190rppr0001v01202425/document/13549#c-row-1-d"},{"clause":"2(b)(ii)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-long-term-policy-irdan190rppr0001v01202425/document/13503#c-2-b-ii"}],"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":"For the home building, the Cost of Construction at commencement is calculated as carpet area of the structure in square metres multiplied by the rate of cost of construction at commencement, declared by the insured and accepted by the insurer. The policy has automatic appreciation of sum insured every year by 10% for a maximum of 20 years.","display":"Home Building Cost of Construction = Carpet Area × Rate of Cost of Construction at commencement; automatic SI appreciation 10% yearly for maximum 20 years","note":null,"quote":"Carpet Area of the structure in square metres X Rate of Cost of Construction at the Commencement Date. The Rate of Cost of Construction is the prevailing rate of cost of construction of Your Home Building at the Commencement Date as declared by You and accepted by Us and shown in the Policy schedule. ... • Automatic appreciation of Sum insured every year by 10% & maximum of 20 years.","sources":[{"clause":"3","heading":"Commencement Date","page":2,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-long-term-policy-irdan190rppr0001v01202425/document/13549#c-3"},{"clause":"1","heading":"To whom this Policy is issued","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-long-term-policy-irdan190rppr0001v01202425/document/13549#c-1"}],"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":"No underinsurance applies.","display":"No Underinsurance apply","note":null,"quote":"• No Underinsurance apply.","sources":[{"clause":"1","heading":"To whom this Policy is issued","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-long-term-policy-irdan190rppr0001v01202425/document/13549#c-1"}],"law":[]}],"documents":[{"kind":"wording","label":"Policy wording","pages":11,"fetched_at":"2026-10-17 19:55:06+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/fire/new-india-bharat-flexi-griha-raksha-policy-long-term-policy/Policy%20Wordings.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-long-term-policy-irdan190rppr0001v01202425/document/13549"},{"kind":"prospectus","label":"Prospectus","pages":3,"fetched_at":"2026-10-17 19:55:41+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/fire/new-india-bharat-flexi-griha-raksha-policy-long-term-policy/Prospectus.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-long-term-policy-irdan190rppr0001v01202425/document/13561"},{"kind":"cis","label":"Customer Information Sheet","pages":3,"fetched_at":"2026-10-17 19:55:43+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/fire/new-india-bharat-flexi-griha-raksha-policy-long-term-policy/Customer%20Information%20Sheet%20-%20CIS1.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-long-term-policy-irdan190rppr0001v01202425/document/13562"},{"kind":"brochure","label":"Sales Literature","pages":8,"fetched_at":"2026-10-17 19:53:14+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/fire/new-india-bharat-flexi-griha-raksha-policy-long-term-policy/Key%20Features%20Document%20%28KFD%29.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-long-term-policy-irdan190rppr0001v01202425/document/13503"}],"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":"New India Bharat Flexi Griha Raksha Long Term Policy (UIN IRDAN190RPPR0001V01202425), IndiaInsurances, https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-long-term-policy-irdan190rppr0001v01202425"}