{"uin":"IRDAN556RP0118V02200506","name":"AQUACULTURE (SHRIMP/PRAWN) INSURANCE","url":"https://indiainsurances.com/policy/oriental-insurance/aquaculture-shrimp-prawn-insurance-irdan556rp0118v02200506","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":"2020-04-29","withdrawn_on":null,"summary":"This is an aquaculture insurance policy for Shrimp/Prawns that pays 80% of input value when they are totally lost or dead from insured perils. It has Basic Cover for listed perils and Comprehensive Cover that also includes death due to disease except disease from improper management or nutritional deficiencies.","analysis":{"state":"machine","analysed_at":"2026-10-20 05:27:19.407657+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Basic Cover","Comprehensive Cover"],"display":"Basic Cover; Comprehensive Cover","note":null,"quote":"Basic Cover: It provides cover against only Total loss of the Shrimp / Prawns due to the following: ... Comprehensive Cover\nIt provides cover against all perils as enlisted in basic cover and death due to disease, excepting diseases caused by improper management practices and/or which are due to nutritional deficiencies.","sources":[{"clause":"Section I","heading":"| Basic Cover: It provides cover against only Total loss of the Shrimp /","page":1,"url":"https://indiainsurances.com/policy/oriental-insurance/aquaculture-shrimp-prawn-insurance-irdan556rp0118v02200506/document/27031#c-section-i"},{"clause":"Section II","heading":"| Comprehensive Cover","page":1,"url":"https://indiainsurances.com/policy/oriental-insurance/aquaculture-shrimp-prawn-insurance-irdan556rp0118v02200506/document/27031#c-section-ii"}],"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 runs for the period of insurance stated in the policy, and may be extended; the total policy period including extension must not exceed 180days.","display":"Period stated in the policy; total period including extension must not exceed 180days","note":null,"quote":"during the period of insurance stated herein or any subsequent period in respect of which the insured shall have paid the required premium for having taken extension thereof ... Total policy period, including the extension period, should not exceed 180days","sources":[{"clause":null,"heading":"AQUACULTURE (SHRIMP/PRAWN) INSURANCE","page":1,"url":"https://indiainsurances.com/policy/oriental-insurance/aquaculture-shrimp-prawn-insurance-irdan556rp0118v02200506/document/27031#c-aquaculture-shrimp-prawn-insurance"},{"clause":"16","heading":"EXTENSION","page":5,"url":"https://indiainsurances.com/policy/oriental-insurance/aquaculture-shrimp-prawn-insurance-irdan556rp0118v02200506/document/27031#c-16"}],"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 give immediate notice to the Company within 24 hours of an event giving rise to or likely to give rise to a claim.","display":"Immediate notice within 24 hours","note":null,"quote":"The insured shall, upon the occurrence of any event giving rise to or likely to give rise to a claim under this policy, give immediate notice within 24 hours to the Company","sources":[{"clause":"10","heading":"CLAIM PROCEDURE","page":4,"url":"https://indiainsurances.com/policy/oriental-insurance/aquaculture-shrimp-prawn-insurance-irdan556rp0118v02200506/document/27031#c-10"}],"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":["fully completed claim form","death certificate (part of the Claim Form) with details certified by an official of State fisheries department/ MPEDA (Technical Officer of Corporate Client in case of Satellite Farming) or any Marine Biologist or a graduate qualified in fishery science","Meteorological Report or any supporting document (if claim is due to flood or cyclone, or summer kill)","Daily records of mortality, feeding etc.","Purchase invoices for the shrimp/Prawn seeds","Any other proof(s) to substantiate the loss like photographs, medical bills etc. as and when required by the Company.","All documents must be duly attested by the insured / claimant.","All dead Shrimp/Prawns should be produced without fail to the representative of the Company or any person authorized by the Company before disposal"],"display":"Claim form, death certificate, meteorological/supporting report where relevant, mortality and feeding records, seed invoices, other proofs required, attested documents, and dead Shrimp/Prawns for inspection","note":"The listed documents must be furnished within FOURTEEN (14) days after notice.","quote":"shall within FOURTEEN (14) days thereafter furnish to the Company:\ni) fully completed claim form\nii) death certificate (part of the Claim Form) with details certified by an official of State fisheries department/ MPEDA (Technical Officer of Corporate Client in case of Satellite Farming) or any Marine Biologist or a graduate qualified in fishery science\niii) Meteorological Report or any supporting document (if claim is due to flood or cyclone, or summer kill)\niv) Daily records of mortality, feeding etc.\nv) Purchase invoices for the shrimp/Prawn seeds\nvi) Any other proof(s) to substantiate the loss like photographs, medical bills etc. as and when required by the Company.\nvii) All documents must be duly attested by the insured / claimant.\nAll dead Shrimp/Prawns should be produced without fail to the representative of the Company or any person authorized by the Company before disposal","sources":[{"clause":"10","heading":"CLAIM PROCEDURE","page":4,"url":"https://indiainsurances.com/policy/oriental-insurance/aquaculture-shrimp-prawn-insurance-irdan556rp0118v02200506/document/27031#c-10"}],"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":"On receipt of the final survey report or additional survey report and all required relevant information/documents, the insurer must offer a claim settlement within 30 days, or reject the claim within 30 days from the receipt of the final survey report and/or additional information/documents or additional survey report.","display":"Settlement offer within 30 days of final survey report/additional survey report and required documents","note":"If the claim is not settled within 30 days as stipulated, the policy states interest is payable at 2% above the bank rate from receipt of the last relevant and necessary document till actual payment.","quote":"On receipt of the final survey report or the additional survey report, as the case may be, and on receipt of all required information/documents that are relevant and necessary for the claim, an insurer shall, with in a period of 30 days offer a settlement of the claim to the insured/claimant. If the insurer, for any reasons to be recorded in writing and communicated to the insured/claimant, decides to reject a claim under the policy, it shall do so within a period of 30 days from the receipt of the final survey report and/or additional information/documents or the additional survey report, as the case may be.","sources":[{"clause":"25(i)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/oriental-insurance/aquaculture-shrimp-prawn-insurance-irdan556rp0118v02200506/document/27031#c-25-i"}],"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":["Malicious or wilful injury, poisoning, negligence, error or omission by the insured or his family members or employees.","Improper & incompetent management and rough handling.","Partial loss of any kind.","Infidelity of any person, burglary, poaching and theft.","Natural mortality of the subject matter.","Undergrowth and cannibalism.","Predator, competitors, weeds, fish and dangerous insects.","Physical alteration/change of chemical status, pH factor and salinity of soil and water.","Asphyxia","Clandestine sale or missing of Shrimp/prawns.","Loss of production and loss of profits.","Consequential loss of any nature.","Transit by any means.","Use of wrong/excessive chemicals.","Death occurring within 10 days from the inception of policy due to disease, stunted growth and / or low yield."],"display":"Main exclusions include partial loss, insured's wilful injury/negligence, improper management, theft/poaching, natural mortality, predators/weeds, chemical/pH/salinity change, asphyxia, production/profit loss, consequential loss, transit, wrong chemicals, and death within 10 days due to disease, stunted growth or low yield","note":"The exclusions clause also lists war, nuclear causes, diseases due to improper management and/or nutritional deficiencies, Plankton Blooms unless associated with natural climatic reasons, Polyculture, statutory destruction unless expressly agreed, and flood and inundation due to normal tides.","quote":"The Company shall not be liable in respect of loss/death of Shrimp and/or Prawns due to or arising from or through:\na) Malicious or wilful injury, poisoning, negligence, error or omission by the insured or his family members or employees.\nb) Improper & incompetent management and rough handling.\nc) Partial loss of any kind.\nd) Infidelity of any person, burglary, poaching and theft.\ne) Natural mortality of the subject matter.\nf) Undergrowth and cannibalism.\ng) Predator, competitors, weeds, fish and dangerous insects.\nh) Physical alteration/change of chemical status, pH factor and salinity of soil and water.\ni) Asphyxia\nj) Clandestine sale or missing of Shrimp/prawns.\nk) Loss of production and loss of profits.\nl) Consequential loss of any nature.\nm) Transit by any means.\nn) Use of wrong/excessive chemicals. ... v) Death occurring within 10 days from the inception of policy due to disease, stunted growth and / or low yield.","sources":[{"clause":"Section II","heading":"| Comprehensive Cover","page":1,"url":"https://indiainsurances.com/policy/oriental-insurance/aquaculture-shrimp-prawn-insurance-irdan556rp0118v02200506/document/27031#c-section-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":"For grievance related to the policy or a claim, the insured may first appeal or approach the Customer Service Department of the Company at the policy issuing office, concerned Divisional Office, concerned Regional Office or Head Office. If not satisfied, the insured may complain to IRDAI or approach the Insurance Ombudsman.","display":"First approach the Company's Customer Service Department at the policy issuing office, Divisional Office, Regional Office or Head Office","note":null,"quote":"In case of any grievance related to the policy or a claim thereunder, the Insured shall have the right to appeal / approach the Customer Service Department of the Company at its policy issuing office, concerned Divisional Office, concerned Regional Office or of the Head Office, situated at A-25/27, Asaf Ali Road, New Delhi-110002. E-mail id is csd@orientalinsurance.co.in. If the insured is not satisfied with the reply of the Customer Service department under above, he may register complaint with IRDAI at www.igms.irda.gov.in, or at 1800 4254 732; or approach Insurance Ombudsman","sources":[{"clause":"29","heading":"GRIEVANCE REDRESSAL: When the Company repudiates a claim if not payable under","page":9,"url":"https://indiainsurances.com/policy/oriental-insurance/aquaculture-shrimp-prawn-insurance-irdan556rp0118v02200506/document/27031#c-29"}],"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":["Summer Kill","Pollution (from External source only)","Poisoning","Riot & Strike","Malicious acts of Third Parties","Earthquake","Explosion/Implosion","Storm, Tempest, Cyclone, Typhoon, Hurricane, Tornado, Flood, Inundation, Volcanic eruption and/or other convulsions of nature.","Aircraft & other aerial devices or articles dropped there from, impact with any road vehicle and animals","Terrorism","death due to disease"],"display":"Basic Cover covers listed perils; Comprehensive Cover covers all Basic Cover perils and death due to disease","note":"Basic Cover is only for total loss from the listed perils. Comprehensive Cover adds death due to disease, except diseases caused by improper management practices and/or nutritional deficiencies.","quote":"Prawns due to the following:\na) Summer Kill\nb) Pollution (from External source only)\nc) Poisoning\nd) Riot & Strike\ne) Malicious acts of Third Parties\nf) Earthquake\ng) Explosion/Implosion\nh) Storm, Tempest, Cyclone, Typhoon, Hurricane, Tornado, Flood, Inundation, Volcanic eruption and/or other convulsions of nature.\ni) Aircraft & other aerial devices or articles dropped there from, impact with any road vehicle and animals\nj) Terrorism ... It provides cover against all perils as enlisted in basic cover and death due to disease, excepting diseases caused by improper management practices and/or which are due to nutritional deficiencies.","sources":[{"clause":"Section I","heading":"| Basic Cover: It provides cover against only Total loss of the Shrimp /","page":1,"url":"https://indiainsurances.com/policy/oriental-insurance/aquaculture-shrimp-prawn-insurance-irdan556rp0118v02200506/document/27031#c-section-i"},{"clause":"Section II","heading":"| Comprehensive Cover","page":1,"url":"https://indiainsurances.com/policy/oriental-insurance/aquaculture-shrimp-prawn-insurance-irdan556rp0118v02200506/document/27031#c-section-ii"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"quote-verified","value":"No fixed deductible or excess amount is stated. The policy says the Company pays 80% of the input value or assessed basis, no claim is admissible if loss in the affected insured pond is below 70%, and salvage is deducted as stated.","display":"Company pays 80%; no claim below 70% loss; salvage deducted","note":"The wording does not use the term deductible or excess; it states indemnity and claim admissibility limits.","quote":"the Company will pay to the insured 80% of input value of the Shrimp/Prawns lost or killed by the insured perils ... No claims would be admissible under the policy if the loss percentage in the affected insured pond is below 70%. ... subject further to the deduction of salvage value realized by selling the residual catch.","sources":[{"clause":null,"heading":"AQUACULTURE (SHRIMP/PRAWN) INSURANCE","page":1,"url":"https://indiainsurances.com/policy/oriental-insurance/aquaculture-shrimp-prawn-insurance-irdan556rp0118v02200506/document/27031#c-aquaculture-shrimp-prawn-insurance"},{"clause":"9","heading":"TOTAL LOSS","page":4,"url":"https://indiainsurances.com/policy/oriental-insurance/aquaculture-shrimp-prawn-insurance-irdan556rp0118v02200506/document/27031#c-9"},{"clause":"24","heading":"BASIS OF INDEMNITY","page":8,"url":"https://indiainsurances.com/policy/oriental-insurance/aquaculture-shrimp-prawn-insurance-irdan556rp0118v02200506/document/27031#c-24"}],"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 the policy at any time. On cancellation, the Company charges premium according to the table: 50% of the total premium up to 30days, 25% of the total premium for 31-90days, and full premium for more than 90days.","display":"Insured may cancel at any time; premium charged is 50% up to 30days, 25% for 31-90days, and full premium after more than 90days","note":null,"quote":"The Insured may, at any time, cancel this policy, and in such an event the Company shall charge premium as per the table below:\nPeriod on Risk | Premium to be charged\n1. | Upto 30days | 50% of the total premium\n2. | 31-90days | 25% of the total premium\n3. | More than 90days | Full premium","sources":[{"clause":"15","heading":"CANCELLATION","page":5,"url":"https://indiainsurances.com/policy/oriental-insurance/aquaculture-shrimp-prawn-insurance-irdan556rp0118v02200506/document/27031#c-15"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"The geographical limit and jurisdiction of the policy is India, disputes are determined by Indian courts and laws, and claims are settled in Indian Rupees only.","display":"India","note":null,"quote":"The Geographical Limit and jurisdiction of this Policy shall be India. All disputes or differences under or in relation to the policy shall be determined by the Indian Courts and in accordance with the Indian laws. All claims under this Policy shall be settled in Indian Rupees only","sources":[{"clause":"27","heading":"JURISDICTION","page":9,"url":"https://indiainsurances.com/policy/oriental-insurance/aquaculture-shrimp-prawn-insurance-irdan556rp0118v02200506/document/27031#c-27"}],"law":[]},{"key":"subject_covered","label":"What is insured","section":"Cover","meaning":"The thing or risk this policy covers.","status":"quote-verified","value":"The policy insures Shrimp/Prawns described in the policy against being totally lost or dead from specified insured perils.","display":"Shrimp/Prawns totally lost or dead from specified insured perils","note":null,"quote":"if the Shrimp/Prawns hereinafter described, are totally lost or dead resulting from or arising out of perils specified below during the period of insurance stated herein","sources":[{"clause":null,"heading":"AQUACULTURE (SHRIMP/PRAWN) INSURANCE","page":1,"url":"https://indiainsurances.com/policy/oriental-insurance/aquaculture-shrimp-prawn-insurance-irdan556rp0118v02200506/document/27031#c-aquaculture-shrimp-prawn-insurance"}],"law":[]}],"documents":[{"kind":"wording","label":"AQUACULTURE (SHRIMP/PRAWN) INSURANCE (IRDAI copy)","pages":12,"fetched_at":"2026-10-20 01:41:43+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN556RP0118V02200506_GEN4312.pdf/cc346e35-9aba-439b-82bc-329631325e54?version=1.1&t=1668840133967&download=true","url":"https://indiainsurances.com/policy/oriental-insurance/aquaculture-shrimp-prawn-insurance-irdan556rp0118v02200506/document/27031"}],"versions":[{"uin":"GEN4312","version":null,"approved_on":null},{"uin":"IRDAN556RP0118V02200506","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":"AQUACULTURE (SHRIMP/PRAWN) INSURANCE (UIN IRDAN556RP0118V02200506), IndiaInsurances, https://indiainsurances.com/policy/oriental-insurance/aquaculture-shrimp-prawn-insurance-irdan556rp0118v02200506"}