{"uin":"IRDAN556CP0076V01202021","name":"Oriental Title Insurance Policy","url":"https://indiainsurances.com/policy/oriental-insurance/oriental-title-insurance-policy-irdan556cp0076v01202021","insurer":{"slug":"oriental-insurance","name":"The Oriental Insurance Company Limited","url":"https://indiainsurances.com/insurer/oriental-insurance"},"line":"general","category":"other-general","category_name":"Other general insurance","irdai_type":"Main product","kind":"product","status":"active","approved_on":"2021-01-27","withdrawn_on":null,"summary":"Oriental Title Insurance Policy indemnifies the promoter and allottees against actual monetary loss from covered title risks in the property, including title defects or liens and no legal access. The policy term is seven (7) years from inception or as agreed, with a deductible up to 10% of loss and payment within 30 calendar days after liability and loss are fixed.","analysis":{"state":"machine","analysed_at":"2026-10-20 05:26:53.494462+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 term of the Policy is seven (7) years from the Inception Date or as agreed between the insured and insurer.","display":"seven (7) years from the Inception Date or as agreed between the insured and insurer","note":null,"quote":"The term of the Policy is seven (7) years from the Inception Date or as agreed between the insured and insurer.","sources":[{"clause":"2","heading":"Policy Term","page":7,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-title-insurance-policy-irdan556cp0076v01202021/document/27035#c-2"}],"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":"The Insured must notify the Insurer in writing immediately, and in any event within 10 calendar days, when named a party or called to give evidence in a third-party proceeding relating to a Covered Risk, or when the Insured receives knowledge of a matter or litigation that might cause covered loss.","display":"Immediately, and in any event within 10 calendar days","note":"On non-renewal or cancellation other than for non-payment or breach, an additional notification period of up to 30 days is available for claims first made during the policy term but not reported during that period.","quote":"The Insured shall notify the Insurer in writing immediately, and in any event within 10 calendar days ... the Insured is named a party, or is called to give evidence, in any action or proceeding brought by a third party relating to a Covered Risk ... the Insured shall receive Knowledge of:\n1. any matter which could affect a Covered Risk; or\n2. any litigation,\nthat might cause Loss for which the Insurer may be liable under the Policy ... additional notification period of (but not exceeding)30 days following the date of cancellation or expiry of the Policy","sources":[{"clause":"6(a)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-title-insurance-policy-irdan556cp0076v01202021/document/27035#c-6-a"},{"clause":"6(d)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-title-insurance-policy-irdan556cp0076v01202021/document/27035#c-6-d"}],"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":["statement of Loss (“Statement of Loss”) signed and sworn to by the Insured","all records in the possession of the Insured or its representatives, employees and agents"],"display":"Statement of Loss signed and sworn by the Insured; records reasonably pertaining to the action, proceeding, claim or Loss","note":"The statement of Loss is due within 20 calendar days after the Insurer requests it.","quote":"the Insured shall provide to the Insurer a statement of Loss (“Statement of Loss”) signed and sworn to by the Insured within 20 calendar days after the Insurer’s request for the same ... The Statement of Loss shall describe the defect in, or lien or encumbrance on the title, or other matter indemnified against under this Policy which constitutes the basis of Loss and shall state the basis of calculating the amount of the Loss. ... produce for examination, inspection, and copying, at such reasonable times and places as may be designated by the authorized representative of the Insurer, all records in the possession of the Insured or its representatives, employees and agents","sources":[{"clause":"11(e)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-title-insurance-policy-irdan556cp0076v01202021/document/27035#c-11-e"},{"clause":"8(a)(iii)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-title-insurance-policy-irdan556cp0076v01202021/document/27035#c-8-a-iii"}],"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":"quote-verified","value":"Payment of indemnity for loss is to be made within 30 calendar days of the date on which liability and the extent of loss have been definitely fixed in accordance with the policy conditions.","display":"Within 30 calendar days of the date on which liability and the extent of Loss have been definitely fixed","note":null,"quote":"Payment of Indemnity in respect of Loss shall be made within 30 calendar days of the date on which liability and the extent of Loss have been definitely fixed in accordance with these conditions.","sources":[{"clause":"16","heading":"Payment of Loss","page":15,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-title-insurance-policy-irdan556cp0076v01202021/document/27035#c-16"}],"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":["any Law restricting, regulating, prohibiting, or relating to the occupancy, use or enjoyment of the Property","any governmental policy or emergency power","any compulsory purchase or acquisition by a government authority, expropriation, nationalization, resumption or similar rights","Liens, adverse claims, or other matters created, assumed, permitted or agreed to by the Insured","Any claim arising by reason of bankruptcy, insolvency or similar creditors’ rights laws","War, insurrection, riot, civil unrest, act of a public enemy, epidemic, quarantine restriction, governmental restriction of access to or use of the Property, nationalization, natural disasters, or other similar causes","Any claim relating to the interpretation or enforcement of the Policy brought other than as specified in Condition 21 “Disputes under Policy; Arbitration Clause” or Condition 22 “Governing Law”","Any claim brought by a person who became aware of the existence of the Policy as a result of a violation of Condition 5 “Confidentiality”","Taxes (including value added taxes) or assessments which are not shown as existing liens in the Public Records at the Date of Cover","Any persons or parties in possession not disclosed by the Public Records","Discrepancies, conflicts in boundary lines, encroachments, or any other facts which a correct survey of the Land would disclose","The dimensions or area of the Land","Subsurface or subsoil estate or rights in the Land","Water rights, claims, or title to water, whether or not shown in the Public Records","Riparian rights, any rights of ownership in submerged lands, filled-in-lands"],"display":"General title-policy exclusions plus Schedule B specific exclusions, including laws on use, acquisition, insured-created or known matters, insolvency, war and similar causes, taxes not recorded as liens, possession not in public records, survey/boundary matters, dimensions, subsurface rights, water rights and riparian rights.","note":null,"quote":"any Law (including any Law relating to Buildings, zoning and planning permission) restricting, regulating, prohibiting, or relating to:\na. the occupancy, use or enjoyment of the Property ... any governmental policy or emergency power ... any compulsory purchase or acquisition by a government authority, expropriation, nationalization, resumption or similar rights ... Liens, adverse claims, or other matters;\n(i) created, assumed, permitted or agreed to by the Insured ... Any claim arising by reason of bankruptcy, insolvency or similar creditors’ rights laws ... War, insurrection, riot, civil unrest, act of a public enemy, epidemic, quarantine restriction, governmental restriction of access to or use of the Property, nationalization, natural disasters, or other similar causes. ... Any claim relating to the interpretation or enforcement of the Policy brought other than as specified in Condition 21 “Disputes under Policy; Arbitration Clause” or Condition 22 “Governing Law”. ... Any claim brought by a person who became aware of the existence of the Policy as a result of a violation of Condition 5 “Confidentiality”. ... Taxes (including value added taxes) or assessments which are not shown as existing ... liens in the Public Records at the Date of Cover. ... Any persons or parties in possession not disclosed by the Public Records. ... Discrepancies, conflicts in boundary lines, encroachments, or any other facts which ... a correct survey of the Land would disclose. ... The dimensions or area of the Land. ... Subsurface or subsoil estate or rights in the Land ... Water rights, claims, or title to water, whether or not shown in the Public Records. ... Riparian rights, any rights of ownership in submerged lands, filled-in-lands","sources":[{"clause":null,"heading":"II General Exclusions from Coverage","page":2,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-title-insurance-policy-irdan556cp0076v01202021/document/27035#c-ii-general-exclusions-from-coverage"},{"clause":"1","heading":"Taxes (including value added taxes) or assessments which are not shown as existing","page":22,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-title-insurance-policy-irdan556cp0076v01202021/document/27035#c-1-2"},{"clause":"2","heading":null,"page":22,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-title-insurance-policy-irdan556cp0076v01202021/document/27035#c-2-2"},{"clause":"3","heading":"Discrepancies, conflicts in boundary lines, encroachments, or any other facts which","page":22,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-title-insurance-policy-irdan556cp0076v01202021/document/27035#c-3-2"},{"clause":"4","heading":null,"page":22,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-title-insurance-policy-irdan556cp0076v01202021/document/27035#c-4-2"},{"clause":"5","heading":null,"page":22,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-title-insurance-policy-irdan556cp0076v01202021/document/27035#c-5-2"},{"clause":"6","heading":null,"page":22,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-title-insurance-policy-irdan556cp0076v01202021/document/27035#c-6-2"},{"clause":"7","heading":"Riparian rights, any rights of ownership in submerged lands, filled-in-lands, or the","page":22,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-title-insurance-policy-irdan556cp0076v01202021/document/27035#c-7-2"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"For a grievance relating to servicing the policy, the Insured may submit it in writing to the policy issuing office or regional office for redressal. If it remains unaddressed, the Insured may contact csd@orientalinsurance.co.in before approaching the Insurance Ombudsman.","display":"Submit in writing to the policy issuing office or regional office; if unaddressed, email csd@orientalinsurance.co.in","note":null,"quote":"In case of any grievance relating to servicing the 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 through 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":"26","heading":"Grievances","page":17,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-title-insurance-policy-irdan556cp0076v01202021/document/27035#c-26"}],"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":["Title in the Property being vested at the Date of Cover other than as specified in Schedule A","any defect in or Lien on the Title at the Date of Cover","there being no legal right of access to and from the Land and Building at the Date of Cover","reasonable costs, legal fees and expenses necessarily incurred in the defence of any matter indemnified under this Policy"],"display":"Title being vested other than as specified; defects in or liens on title; no legal right of access; defence costs for indemnified matters","note":"Covered defects or liens include causes such as forgery, fraud, undue influence, invalid powers of attorney, improper recording and defective judicial or administrative proceedings.","quote":"the Insurer agrees to indemnify the Insured, as of the Inception Date, against Loss, not exceeding the Limit of Indemnity, sustained or incurred by the Insured by reason of:\n(a) Title in the Property being vested at the Date of Cover other than as specified in Schedule A;\n(b) any defect in or Lien on the Title at the Date of Cover. ... (c) there being no legal right of access to and from the Land and Building at the Date of Cover.\nIn addition, the Insurer shall pay the reasonable costs, legal fees and expenses necessarily incurred in the defence of any matter indemnified under this Policy","sources":[{"clause":null,"heading":"I Covered Risks","page":1,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-title-insurance-policy-irdan556cp0076v01202021/document/27035#c-i-covered-risks"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"quote-verified","value":"The policy is subject to a Deductible up to 10% of any Loss, including costs, legal fees and expenses paid by the Insurer, not exceeding in the aggregate 10% of the Limit of Indemnity; the Insurer pays only in excess of the Deductible.","display":"Up to 10% of any Loss, not exceeding 10% of the Limit of Indemnity in aggregate","note":"Each Allottee is responsible for the Allottee’s pro rata share of the Deductible.","quote":"The Policy is subject to a Deductible upto 10% of any Loss, including costs, legal fees and expenses paid by the Insurer in accordance with the Conditions, not to exceed in the aggregate 10% of the Limit of Indemnity. The Insurer will indemnify for Loss, and pay costs, legal fees and expenses, only in excess of the Deductible. ... Each Allottee will be responsible for the Allottee’s pro rata share of the Deductible.","sources":[{"clause":"1(i)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-title-insurance-policy-irdan556cp0076v01202021/document/27035#c-1-i"},{"clause":"3(c)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-title-insurance-policy-irdan556cp0076v01202021/document/27035#c-3-c"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"not-stated","value":null,"display":null,"note":"The cancellation/termination clause states situations where no premium refund is made, but it does not state the refund payable on a voluntary cancellation during the policy year.","quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"not-stated","value":null,"display":null,"note":"The wording does not state a geographic area of cover; it refers to the land/property as specified in Schedule A.","quote":null,"sources":[],"law":[]},{"key":"subject_covered","label":"What is insured","section":"Cover","meaning":"The thing or risk this policy covers.","status":"quote-verified","value":"This is an indemnity policy against actual monetary Loss sustained or incurred by the Insured because of Covered Risks affecting title in the Property, including title being vested other than as specified, defects or liens on title, and no legal right of access.","display":"Actual monetary Loss from Covered Risks affecting title in the Property","note":null,"quote":"This Policy is a contract of indemnity against actual monetary Loss sustained or incurred by the Insured who has suffered Loss by reason of the Covered Risks. ... Title in the Property being vested at the Date of Cover other than as specified in Schedule A;\n(b) any defect in or Lien on the Title at the Date of Cover. ... there being no legal right of access to and from the Land and Building at the Date of Cover.","sources":[{"clause":"11(a)","heading":"This Policy","page":12,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-title-insurance-policy-irdan556cp0076v01202021/document/27035#c-11-a"},{"clause":null,"heading":"I Covered Risks","page":1,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-title-insurance-policy-irdan556cp0076v01202021/document/27035#c-i-covered-risks"}],"law":[]}],"documents":[{"kind":"wording","label":"Oriental Title Insurance Policy (IRDAI copy)","pages":22,"fetched_at":"2026-10-20 01:41:48+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN556CP0076V01202021_GEN4317.pdf/67aafd68-2004-557c-a2ca-fd7ce2a927e7?version=1.1&t=1668842460215&download=true","url":"https://indiainsurances.com/policy/oriental-insurance/oriental-title-insurance-policy-irdan556cp0076v01202021/document/27035"}],"versions":[{"uin":"GEN4317","version":null,"approved_on":null},{"uin":"IRDAN556CP0076V01202021","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 Title Insurance Policy (UIN IRDAN556CP0076V01202021), IndiaInsurances, https://indiainsurances.com/policy/oriental-insurance/oriental-title-insurance-policy-irdan556cp0076v01202021"}