{"uin":"IRDAN556CP0075V01202021","name":"ORIENTAL CYBER INSURANCE POLICY","url":"https://indiainsurances.com/policy/oriental-insurance/oriental-cyber-insurance-policy-irdan556cp0075v01202021","insurer":{"slug":"oriental-insurance","name":"The Oriental Insurance Company Limited","url":"https://indiainsurances.com/insurer/oriental-insurance"},"line":"general","category":"liability","category_name":"Liability","irdai_type":"Main product","kind":"product","status":"active","approved_on":"2020-07-17","withdrawn_on":null,"summary":"Oriental Cyber Insurance Policy is a claims-made and reported cyber policy covering items such as digital asset destruction, cyber extortion, incident response expenses and cyber liability when agreed in the schedule. Claims or losses must be notified within [7] days from discovery, and cancellation by the insured requires 15 days' written notice with refund at short period scales unless a loss or circumstance has been reported.","analysis":{"state":"machine","analysed_at":"2026-10-20 08:35:23.923723+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":"No named plan variants are printed; the document lists coverages and an optional extension, not plan names.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The schedule has Inception Date and Expiry Date fields, but no fixed duration is printed.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"If, during the Policy Period, the Control Group becomes aware of a Claim or Loss, the insured must forward details to the underwriters within [7] days from the date of discovery, during the Policy Period or Extended Reporting Period if applicable.","display":"Within [7] days from date of discovery","note":null,"quote":"If, during the Policy Period, the Control Group becomes aware of a Claim or Loss, the Insured must forward details to the Underwriters through the persons named in the Schedule at [Address and Email details] within [7] days from such date of discovery, during the Policy Period or the Extended Reporting Period, if applicable.","sources":[{"clause":null,"heading":"Claims Conditions 1 Notice of Claim, Loss or Circumstance","page":12,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-cyber-insurance-policy-irdan556cp0075v01202021/document/27044#c-claims-conditions-1-notice-of-claim-loss-or-circ"}],"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":["details to the Underwriters","all documents and papers","copies of a third party’s system security and event logs"],"display":"Details to the Underwriters; all documents and papers; copies of a third party’s system security and event logs","note":null,"quote":"the Insured must forward details to the Underwriters through the persons named in the Schedule at [Address and Email details] within [7] days from such date of discovery ... The Insured shall execute or cause to be executed all documents and papers and render all assistance as requested by Underwriters, including providing copies of a third party’s system security and event logs;","sources":[{"clause":null,"heading":"Claims Conditions 1 Notice of Claim, Loss or Circumstance","page":12,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-cyber-insurance-policy-irdan556cp0075v01202021/document/27044#c-claims-conditions-1-notice-of-claim-loss-or-circ"},{"clause":"6(a)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-cyber-insurance-policy-irdan556cp0075v01202021/document/27044#c-6-a"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"not-stated","value":null,"display":null,"note":"The policy contains defence, settlement and dispute conditions, but no time for deciding or paying a claim is printed.","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":["The financial cost of improvements in respect of the Computer System","Physical injury, sickness, disease, or death sustained by any individual","Any breach of any express contract, warranty, guarantee or promise","Any actual or alleged discrimination of any kind","Any employer-employee relations, policies, practices, acts or omissions","The insolvency, liquidation or bankruptcy of any person or entity","The Insured’swillful, deliberate, malicious, fraudulent, dishonest, or criminal act or violation of law","Loss, decrease in value or theft of securities or currency","Any loss incurred as a result of a natural disaster","Any act, fact, error, omission, event, incident, occurrence, claim or circumstance likely to give rise to a claim notified to a previous insurer","Physical injury to, or impairment, destruction or corruption of, any tangible property","Knowing use of illegal or unlicensed programs or software","war, invasion, or warlike operations"],"display":"Financial cost of improvements; bodily injury; breach of contract; discrimination; employer-employee relations; insolvency or bankruptcy; insured misconduct; loss of funds; natural disasters; prior knowledge or notification; property damage; illegal or unlicensed programs; war or uprising","note":null,"quote":"The Underwriters shall not be liable for any Claim, Damages, Defense Expenses or Loss based upon, arising out of, or in any way attributable to: ... The financial cost of improvements in respect of the Computer System ... Physical injury, sickness, disease, or death sustained by any individual ... Any breach of any express contract, warranty, guarantee or promise ... Any actual or alleged discrimination of any kind ... Any employer-employee relations, policies, practices, acts or omissions ... The insolvency, liquidation or bankruptcy of any person or entity ... The Insured’swillful, deliberate, malicious, fraudulent, dishonest, or criminal act or violation of law ... Loss, decrease in value or theft of securities or currency ... Any loss incurred as a result of a natural disaster ... Any act, fact, error, omission, event, incident, occurrence, claim or circumstance likely to give rise to a claim notified to a previous insurer ... Physical injury to, or impairment, destruction or corruption of, any tangible property ... Knowing use of illegal or unlicensed programs or software; ... war, invasion, or warlike operations","sources":[{"clause":null,"heading":"Exclusions","page":5,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-cyber-insurance-policy-irdan556cp0075v01202021/document/27044#c-exclusions"},{"clause":null,"heading":"1 Betterment","page":5,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-cyber-insurance-policy-irdan556cp0075v01202021/document/27044#c-1-betterment"},{"clause":null,"heading":"2 Bodily Injury","page":5,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-cyber-insurance-policy-irdan556cp0075v01202021/document/27044#c-2-bodily-injury"},{"clause":null,"heading":"3 Breach of Contract, Warranty, Guarantee or Promise and Assumed Liability","page":6,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-cyber-insurance-policy-irdan556cp0075v01202021/document/27044#c-3-breach-of-contract-warranty-guarantee-or-promi"},{"clause":null,"heading":"5 Discrimination","page":6,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-cyber-insurance-policy-irdan556cp0075v01202021/document/27044#c-5-discrimination"},{"clause":null,"heading":"6 Employer-Employee Relations","page":6,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-cyber-insurance-policy-irdan556cp0075v01202021/document/27044#c-6-employer-employee-relations"},{"clause":null,"heading":"9 Insolvency or Bankruptcy","page":6,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-cyber-insurance-policy-irdan556cp0075v01202021/document/27044#c-9-insolvency-or-bankruptcy"},{"clause":null,"heading":"10 Insured Misconduct","page":6,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-cyber-insurance-policy-irdan556cp0075v01202021/document/27044#c-10-insured-misconduct"},{"clause":null,"heading":"12 Loss of Funds","page":6,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-cyber-insurance-policy-irdan556cp0075v01202021/document/27044#c-12-loss-of-funds"},{"clause":null,"heading":"13 Natural Disasters","page":6,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-cyber-insurance-policy-irdan556cp0075v01202021/document/27044#c-13-natural-disasters"},{"clause":null,"heading":"15 Prior Knowledge or Notification","page":6,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-cyber-insurance-policy-irdan556cp0075v01202021/document/27044#c-15-prior-knowledge-or-notification"},{"clause":null,"heading":"16 Property Damage","page":7,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-cyber-insurance-policy-irdan556cp0075v01202021/document/27044#c-16-property-damage"},{"clause":null,"heading":"26 Use of Illegal or Unlicensed Programs","page":8,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-cyber-insurance-policy-irdan556cp0075v01202021/document/27044#c-26-use-of-illegal-or-unlicensed-programs"},{"clause":null,"heading":"27 War or Uprising","page":8,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-cyber-insurance-policy-irdan556cp0075v01202021/document/27044#c-27-war-or-uprising"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"For grievances relating to servicing the policy, the insured may write to the policy issuing office or regional office. If the grievance remains unaddressed, the insured may contact the underwriters’ offices at csd@orientalinsurance.co.in before approaching the Insurance Ombudsman.","display":"Write to policy issuing office or regional office; if unaddressed, email csd@orientalinsurance.co.in","note":null,"quote":"In case of any grievance relating to servicing this Policy, the Insured may submit in writing to the policy issuing office or regional office for redressal. If the grievance remains unaddressed, the Insured may contact the Underwriters’ offices email at csd@orientalinsurance.co.in.\nThe Insured can also approach the office of Insurance Ombudsman of the respective areas and regions for redressal of grievance.","sources":[{"clause":null,"heading":"3 Grievances","page":15,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-cyber-insurance-policy-irdan556cp0075v01202021/document/27044#c-3-grievances"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["Digital Asset Destruction","Cyber Extortion","Incident Response Expenses","Security and Privacy Liability","Regulatory Defense and Penalties","Multimedia Liability","Payment Card Industry Finesand Expenses"],"display":"Digital Asset Destruction; Cyber Extortion; Incident Response Expenses; Security and Privacy Liability; Regulatory Defense and Penalties; Multimedia Liability; Payment Card Industry Finesand Expenses","note":"All insuring agreements or optional extensions apply only if agreed in the Schedule and the applicable premium has been paid. Business Interruption is printed as an Optional Extension.","quote":"for the following insuring agreements or optional extensions, provided the same is agreed to in the Schedule and the applicable premium has been paid ... a) Digital Asset Destruction Digital Asset Loss incurred as a direct and necessary result of a Privacy Breach, Security Breachor Administrative Error. ... b) Cyber Extortion Extortion Expenses and Extortion Payment incurred directly as a result of a Cyber Extortion Threat. ... c) Incident Response Expenses Breach Response Expenses incurred as a result of a Privacy Breach or Security Breach. ... a) Security and Privacy Liability Damages and Defense Expenses which the Insured is legally obligated to pay as a result of a Claim arising from a Privacy Breach. ... b) Regulatory Defense and Penalties Regulatory Fines and Penalties and Defense Expenses which the Insured is legally obligated to pay as a result of a Claim arising from a Security Breach or Privacy Breach. ... c) Multimedia Liability Damages and Defense Expenses which the Insured is legally obligated to pay as a result of a Claim arising from Multimedia Activities. ... d) Payment Card Industry Finesand Expenses Payment Card Industry Fines and Expenses and Defense Expenses which the Insured is legally obligated to pay as a result of a Claim arising from a Security Breach or Privacy Breach. 3 Optional Extension","sources":[{"clause":null,"heading":"Insuring Agreements","page":5,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-cyber-insurance-policy-irdan556cp0075v01202021/document/27044#c-insuring-agreements"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"not-stated","value":null,"display":null,"note":"The policy refers to the Retention amount specified in the Schedule, but the schedule in the wording does not print an amount.","quote":null,"sources":[],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The insured may cancel by giving 15 days' written notice. The underwriter refunds premium for the unexpired Policy Period at the short period scales, and no cancellation refund is paid if there is a Loss /circumstance reported under the Policy.","display":"15 days' written notice; refund for unexpired Policy Period at short period scales; no refund if a Loss /circumstance is reported","note":null,"quote":"The Insured may cancel the Policy by giving 15 days notice in writing to the Underwriter and the Underwriter shall refund premium for the unexpired Policy Period at the short period scales specified below. ... The Insured will not get any cancellation refund in case there is a Loss /circumstance reported under the Policy. ... PERIOD | % OF ANNUAL PREMIUM RATE\nNOT EXCEEDING 1 MONTH | 20%\nEXCEEDING 1 MONTH BUT NOT EXCEEDING 2 MONTHS | 30%\nEXCEEDING 2 MONTH BUT NOT EXCEEDING 3 MONTHS | 40%\nEXCEEDING 3 MONTH BUT NOT EXCEEDING 4 MONTHS | 50%\nEXCEEDING 4 MONTH BUT NOT EXCEEDING 5 MONTHS | 60%\nEXCEEDING 5 MONTH BUT NOT EXCEEDING 6 MONTHS | 70%\nEXCEEDING 6 MONTH BUT NOT EXCEEDING 7 MONTHS | 80%\nEXCEEDING 7 MONTH BUT NOT EXCEEDING 8 MONTHS | 90%\nEXCEEDING 8 MONTH | FULL ANNUAL PREMIUM","sources":[{"clause":"5","heading":"Cancellation","page":14,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-cyber-insurance-policy-irdan556cp0075v01202021/document/27044#c-5"},{"clause":null,"heading":"SHORT PERIOD RATES","page":14,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-cyber-insurance-policy-irdan556cp0075v01202021/document/27044#c-short-period-rates"}],"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 schedule has a Territorial Limits item labelled Territory, but no geographic area is printed.","quote":null,"sources":[],"law":[]},{"key":"liability_limit","label":"Limit of indemnity","section":"Cover","meaning":"Most paid per claim and per year.","status":"not-stated","value":null,"display":null,"note":"The policy says the Aggregate Limit specified in the Schedule is the maximum liability, but the wording does not print an amount.","quote":null,"sources":[],"law":[]},{"key":"retroactive_date","label":"Retroactive date","section":"Cover","meaning":"Claims from events before this date are not covered.","status":"not-stated","value":null,"display":null,"note":"No retroactive date is printed. The policy has a prior knowledge or notification exclusion, but it is not stated as a retroactive date.","quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"ORIENTAL CYBER INSURANCE POLICY (IRDAI copy)","pages":18,"fetched_at":"2026-10-20 01:41:45+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN556CP0075V01202021_GEN4314.pdf/7906c1d6-592d-726a-61a8-5de7a80e2d10?version=1.1&t=1668842156787&download=true","url":"https://indiainsurances.com/policy/oriental-insurance/oriental-cyber-insurance-policy-irdan556cp0075v01202021/document/27044"}],"versions":[{"uin":"GEN4314","version":null,"approved_on":null},{"uin":"IRDAN556CP0075V01202021","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Oriental Insurance official website","url":"https://www.orientalinsurance.org.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":"insurer","name":"Claim forms","url":"https://www.orientalinsurance.org.in/claim-form","note":null},{"purpose":"claim","kind":"insurer","name":"Health claim status","url":"https://www.orientalinsurance.org.in/health-claim-status","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://www.orientalinsurance.org.in/grievance-redressal","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":"ORIENTAL CYBER INSURANCE POLICY (UIN IRDAN556CP0075V01202021), IndiaInsurances, https://indiainsurances.com/policy/oriental-insurance/oriental-cyber-insurance-policy-irdan556cp0075v01202021"}