{"uin":"IRDAN190RPPR0032V02202223","name":"New India Bharat Flexi Griha Raksha Base Policy","url":"https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-base-policy-irdan190rppr0032v02202223","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":"New India Bharat Flexi Griha Raksha Base Policy covers home building and/or home contents against listed insured events, with a policy duration of one year or more but not exceeding 10 years. It has no underinsurance application and has inbuilt general contents cover of 20% of the home building sum insured up to ₹ 10 Lakh when both building and contents covers are opted.","analysis":{"state":"machine","analysed_at":"2026-10-20 05:38:09.771388+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":null,"quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"The policy can be bought for one year or more than one year, but the duration cannot exceed 10 years.","display":"One year or more than one year; maximum 10 years","note":"From the prospectus; the policy wording defines Policy Period by the schedule.","quote":"The cover protects You during the period of the policy. You can buy the policy for one year or more than one year but the policy duration cannot exceed 10 years.","sources":[{"clause":null,"heading":"How long does this cover protect me?","page":8,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-base-policy-irdan190rppr0032v02202223/document/13557#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":"Notice of physical loss or damage must be given immediately. The claim form must be submitted at the earliest opportunity, but within 30 days from the date You first notice the loss or damage.","display":"Immediate notice; claim form within 30 days from first noticing the loss or damage","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":null,"heading":"1. Immediate notice to Us","page":17,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-base-policy-irdan190rppr0032v02202223/document/13545#c-1-immediate-notice-to-us"},{"clause":"Row 1(IV)(a)(i)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-base-policy-irdan190rppr0032v02202223/document/13545#c-row-1-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","plans","specification books","vouchers","invoices pertaining to costs incurred by You for reconstruction/replacement/repairs","Death Certificate","Post Mortem report (wherever necessary)"],"display":"Claim form; plans, specification books, vouchers and invoices; for Personal Accident, Death Certificate and Post Mortem report where necessary","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. ... 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 1(IV)(a)(i)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-base-policy-irdan190rppr0032v02202223/document/13545#c-row-1-iv-a-i"},{"clause":null,"heading":"5. Establish loss","page":18,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-base-policy-irdan190rppr0032v02202223/document/13545#c-5-establish-loss"}],"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, 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 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, nuclear radiation, pollution except as linked to an insured event, electrical self-damage, specified valuables/documents/cash/vehicles/explosives, missing or removed property, consequential loss, market value reduction, building additions over 10%, and claim preparation costs","note":null,"quote":"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 ... 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 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":"Clause F. Exclusions","page":13,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-base-policy-irdan190rppr0032v02202223/document/13545#c-clause-f-exclusions"},{"clause":"Row 1(d)(i)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-base-policy-irdan190rppr0032v02202223/document/13545#c-row-1-d-i"},{"clause":"Row 1(d)(ii)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-base-policy-irdan190rppr0032v02202223/document/13545#c-row-1-d-ii"}],"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 send the grievance in writing by post or email 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.","display":"Write to the Grievance Redressal Officer, The New India Assurance Company Ltd, 87, M.G. Road, Fort, Mumbai – 400 001; email customercare.ho@newindia.co.in","note":null,"quote":"You can send Your grievance in writing by post or email to Our Grievance Redressal Officer at the following address:\nThe New India Assurance Company Ltd : 87, M.G. Road, Fort, Mumbai – 400 001 E-mail customercare.ho@newindia.co.in :\nWeb: www.newindia.co.in","sources":[{"clause":null,"heading":"1. Our Grievance Redressal Officer","page":20,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-base-policy-irdan190rppr0032v02202223/document/13545#c-1-our-grievance-redressal-officer"}],"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/implosion; lightning; earthquake and other convulsions; storm/cyclone/typhoon/tempest/hurricane/tornado/tsunami/flood/inundation; subsidence/landslide/rockslide; bush/forest/jungle fire; impact damage; missile testing; riot/strikes/malicious damage; bursting/overflowing water tanks, apparatus and pipes; sprinkler leakage; theft within 7 days caused by an insured event","note":"The insured may opt out of inbuilt covers for earthquake/convulsions of nature, storm/flood/lightning/subsidence/landslide/rockslide, and explosion/implosion of domestic pressure vessels.","quote":"We give insurance cover for physical loss or damage, or destruction caused to Insured Property by the following unforeseen events occurring during the Policy Period. ... 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.","sources":[{"clause":null,"heading":"Clause B. Insured Events","page":4,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-base-policy-irdan190rppr0032v02202223/document/13545#c-clause-b-insured-events"},{"clause":"Row 1","heading":"Fire","page":4,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-base-policy-irdan190rppr0032v02202223/document/13545#c-row-1"},{"clause":"Row 2","heading":"Explosion or Implosion","page":4,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-base-policy-irdan190rppr0032v02202223/document/13545#c-row-2"},{"clause":"Row 3","heading":"Lightning","page":4,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-base-policy-irdan190rppr0032v02202223/document/13545#c-row-3"},{"clause":"Row 4","heading":"Earthquake, volcanic eruption, or other convulsions of nature","page":5,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-base-policy-irdan190rppr0032v02202223/document/13545#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":"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":"The policy wording refers optional terrorism cover to the Terrorism Clause for coverage, exclusions and excess.","quote":"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":"NEW INDIA BHARAT FLEXI GRIHA RAKSHA BASE POLICY","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-base-policy-irdan190rppr0032v02202223/document/13556#c-new-india-bharat-flexi-griha-raksha-base-policy"}],"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 at any time by written notice. For retail policyholder cancellation, the insurer refunds proportionate premium for the unexpired period if the term is up to one year and no claim has been made; for policies with term more than one year, it refunds premium for unexpired policy period where risk coverage for those policy years has not commenced.","display":"Cancel anytime; proportionate unexpired premium if term up to one year and no claim; unexpired premium for policy years not commenced when term is more than one 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. ... The insurer shall -\ni) refund proportionate premium for unexpired policy period, if the term of the policy is upto one year and there is no claim made during the policy period there is no claim made during the policy period\nii) 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.","sources":[{"clause":null,"heading":"1. Cancellation by You at any Time","page":15,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-base-policy-irdan190rppr0032v02202223/document/13545#c-1-cancellation-by-you-at-any-time"},{"clause":"Row 1(III)(a)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-base-policy-irdan190rppr0032v02202223/document/13545#c-row-1-iii-a"}],"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":null,"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 because of insured events, including permanently attached fixtures and fittings and listed additional structures on the same site. The home building sum insured is the prevailing Cost of Construction at the commencement date, and total loss of the building is paid up to the home building Sum Insured.","display":"Covers the home building, fixtures/fittings and listed additional structures for insured-event damage; sum insured is prevailing Cost of Construction and total loss pays the Home Building Sum Insured","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. ... fixtures and fittings permanently attached to the floor, walls or roof, like fixed sanitary fittings, electrical wiring and other permanent fittings. ... 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 ... If Your Home Building is a Total Loss, We will pay You the Sum Insured of the Home Building.","sources":[{"clause":null,"heading":"1) What We cover","page":6,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-base-policy-irdan190rppr0032v02202223/document/13545#c-1-what-we-cover"},{"clause":null,"heading":"2) Your Home Building","page":6,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-base-policy-irdan190rppr0032v02202223/document/13545#c-2-your-home-building"},{"clause":null,"heading":"4) Sum Insured","page":7,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-base-policy-irdan190rppr0032v02202223/document/13545#c-4-sum-insured"},{"clause":null,"heading":"5) What We pay","page":7,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-base-policy-irdan190rppr0032v02202223/document/13545#c-5-what-we-pay"}],"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 insured events. General Contents have a built-in cover equal to 20% of the Home Building Sum Insured, subject to a maximum of ₹ 10 Lakh when both building and contents cover are opted; Valuable Contents are not covered unless the optional cover is purchased.","display":"General Contents covered; inbuilt 20% of Home Building Sum Insured up to ₹ 10 Lakh if both covers are opted; Valuable Contents only if optional cover is bought","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 the General Contents of Your Home are physically damaged by any Insured Event, We will at Our option,\ni) reimburse to You the cost of repairs to a condition substantially the same as its condition at the time of damage, or\nii) pay You the cost of replacing that item with a same or similar item, or\niii) repair the damaged item to a condition substantially the same as its condition at the time of damage.","sources":[{"clause":null,"heading":"Clause D: Home Contents Cover","page":8,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-base-policy-irdan190rppr0032v02202223/document/13545#c-clause-d-home-contents-cover"},{"clause":null,"heading":"3. What We pay","page":9,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-base-policy-irdan190rppr0032v02202223/document/13545#c-3-what-we-pay"}],"law":[]},{"key":"burglary","label":"Burglary and theft","section":"Cover","meaning":"Whether burglary is covered.","status":"quote-verified","value":"The base insured events include theft within 7 days from and proximately caused by an insured event. A separate Burglary Cover is an optional cover with additional premium and pays up to Rs.10 lac on first loss basis for lost items after burglary from the residential property within 7 days from the occurrence of and caused by insured events.","display":"Theft within 7 days caused by insured events is covered; optional Burglary Cover pays up to Rs.10 lac on first loss basis","note":"Burglary Cover is optional and requires additional premium.","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. ... Optional Covers ( with additional premium payment) ... c) Burglary Cover – We will pay maximum up to Rs.10 lac on first loss basis against the lost items after burglary from the residential property as mentioned in policy schedule within 7 days from the occurrence of and caused by any of the insured events.","sources":[{"clause":"Row 4","heading":"Earthquake, volcanic eruption, or other convulsions of nature","page":5,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-base-policy-irdan190rppr0032v02202223/document/13545#c-row-4"},{"clause":null,"heading":"1. Optional Covers ( with additional premium payment)","page":9,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-base-policy-irdan190rppr0032v02202223/document/13545#c-1-optional-covers-with-additional-premium-paymen"},{"clause":"Row 4(b)(ii)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-base-policy-irdan190rppr0032v02202223/document/13545#c-row-4-b-ii-2"}],"law":[]},{"key":"rent_loss","label":"Rent and alternative accommodation","section":"Cover","meaning":"Cover for rent lost or a temporary home after damage.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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 based on the prevailing Cost of Construction at the commencement date as declared by the insured and accepted by the insurer. Home Contents Sum Insured is shown in the schedule; inbuilt General Contents cover is 20% of Home Building Sum Insured up to ₹ 10 Lakh when both covers are opted, and optional Valuable Contents may be on an agreed value basis.","display":"Building: prevailing Cost of Construction; contents: schedule sum insured with inbuilt 20% of building SI up to ₹ 10 Lakh; optional valuables 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 ... The Sum Insured for the Home Contents Cover is shown in the Policy Schedule ... 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) ... Cover for Valuable Contents on Agreed Value Basis (under Home Contents cover):\nFor 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":null,"heading":"4) Sum Insured","page":7,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-base-policy-irdan190rppr0032v02202223/document/13545#c-4-sum-insured"},{"clause":null,"heading":"Clause D: Home Contents Cover","page":8,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-base-policy-irdan190rppr0032v02202223/document/13545#c-clause-d-home-contents-cover"},{"clause":null,"heading":"1. Optional Covers ( with additional premium payment)","page":9,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-base-policy-irdan190rppr0032v02202223/document/13545#c-1-optional-covers-with-additional-premium-paymen"}],"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 provided is less than the actual value at risk, the difference will not affect the amount paid.","display":"Underinsurance does not apply; no proportional reduction for lower sum insured calculated from provided information","note":null,"quote":"Underinsurance does not apply to the New India Bharat Flexi Griha Raksha Base 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":null,"heading":"Clause I. Waiver of Underinsurance","page":20,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-base-policy-irdan190rppr0032v02202223/document/13545#c-clause-i-waiver-of-underinsurance"}],"law":[]}],"documents":[{"kind":"wording","label":"Policy wording","pages":21,"fetched_at":"2026-10-17 19:54:54+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/fire/new-india-bharat-flexi-griha-raksha-base-policy/Policy%20Wordings.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-base-policy-irdan190rppr0032v02202223/document/13545"},{"kind":"prospectus","label":"Prospectus","pages":18,"fetched_at":"2026-10-17 19:55:28+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/fire/new-india-bharat-flexi-griha-raksha-base-policy/Prospectus.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-base-policy-irdan190rppr0032v02202223/document/13557"},{"kind":"cis","label":"Customer Information Sheet","pages":7,"fetched_at":"2026-10-17 19:55:30+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/fire/new-india-bharat-flexi-griha-raksha-base-policy/Customer%20Information%20sheet%20%28CIS%29.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-base-policy-irdan190rppr0032v02202223/document/13556"}],"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 Base Policy (UIN IRDAN190RPPR0032V02202223), IndiaInsurances, https://indiainsurances.com/policy/new-india-assurance/new-india-bharat-flexi-griha-raksha-base-policy-irdan190rppr0032v02202223"}