{"uin":"IRDAN556RPMS0001V01202425","name":"ORIENTAL PROTECTION PLUS POLICY","url":"https://indiainsurances.com/policy/oriental-insurance/oriental-protection-plus-policy-irdan556rpms0001v01202425","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":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Oriental Protection Plus Policy is an annual retail package covering home building and contents, burglary and housebreaking, personal accident, laptop/tablet, Super Health Top Up and Happy Cash sections. It covers India generally, Personal Accident and Laptop/Tablet worldwide, and Super Health Top Up in India or SAARC countries.","analysis":{"state":"machine","analysed_at":"2026-10-20 05:40:01.285296+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Individual","Family Floater"],"display":"Individual and Family Floater","note":"These plans are stated for Section 5, Super Health Top Up.","quote":"E. PLANS: This section has Two Plans - Individual and Family Floater with following Sums Insured and corresponding Deductibles.","sources":[{"clause":"5(c)","heading":"Biological attack or weapons","page":36,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-protection-plus-policy-irdan556rpms0001v01202425/document/13786#c-5-c-4"}],"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":"Annual policy.","display":"Annual Policy","note":"From the prospectus; the wording defines policy period as the period mentioned in the schedule.","quote":"B. This is an Annual Policy.","sources":[{"clause":"4","heading":"Salient Features of the policy","page":2,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-protection-plus-policy-irdan556rpms0001v01202425/document/13770#c-4"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Notice of claim can be given to any office or call-centre. General claims require immediate written notice, and health hospitalisation claims require notice to the Company/TPA within 48 hours of admission but before discharge.","display":"Immediate written notice; health claims within 48 hours of admission but before discharge","note":"For health claims, delay may be condoned in hardship cases if proved to the Company/TPA.","quote":"Notice of claim can be given to any of the Offices of the company or at the Company’s call-centers. ... Give immediate written notice thereof to the Company and shall within Fourteen (14) days thereafter furnish to the Company at his own expense detailed particulars of the amount of the loss or damage together with such explanations and evidence to substantiate the claim as the Company may reasonably require. ... Immediate notice of claim should be given to the Company / TPA while taking treatment in the Hospital / Nursing Home, by fax, e-mail, etc. Such notice should be given within 48 hours of admission but before discharge from Hospital / Nursing Home, in case of both planned and emergency hospitalisation.","sources":[{"clause":"1","heading":"Entire Contract","page":1,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-protection-plus-policy-irdan556rpms0001v01202425/document/13786#c-1"},{"clause":"1(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-protection-plus-policy-irdan556rpms0001v01202425/document/13786#c-1-b"},{"clause":"10","heading":"Notification of Claim","page":40,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-protection-plus-policy-irdan556rpms0001v01202425/document/13786#c-10-3"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Claim Form","plans, specification books, vouchers, invoices pertaining to costs incurred by the Insured for reconstruction/replacement/repairs","GD Entry / First Information Report to Police","Final investigation Report from the Police","Photographs supporting the claim","Original bills, all receipts and discharge certificate / card from the hospital","Doctor’s consultations reports / history","Medical history of the patient recorded by the Hospital","Original Cash-memo from the hospital (s) / chemist (s) supported by proper prescription","Original receipt, pathological and other test reports","Original attending Consultants / Anaesthetists / Specialist certificates regarding diagnosis and bills / receipts etc.","Surgeon’s original certificate stating diagnosis and nature of operation performed along with bills/ receipts etc.","MLC/FIR/Post Mortem Report,( if applicable)","Any other information required by Company / TPA"],"display":"Claim form, FIR/authority reports, photographs, bills and receipts, discharge card, medical records, test reports, specialist certificates, MLC/FIR/Post Mortem Report if applicable, and other information required","note":"Documents vary by section and claim type.","quote":"The claim for Home Building and/or Home Contents must be supported with plans, specification books, vouchers, invoices pertaining to costs incurred by the Insured for reconstruction/replacement/repairs. ... Duly completed Claim Form\n2. GD Entry / First Information Report to Police\n3. Final investigation Report from the Police\n4. Photographs supporting the claim ... Final claim along with original Bills/Cash memos/reports, claim form and documents as listed below should be submitted to the Company / TPA within 15 days of discharge from the Hospital / Nursing Home ... Original bills, all receipts and discharge certificate / card from the hospital. ... All documents pertaining to the illness, starting from the date it was first detected, i.e Doctor’s consultations reports / history ... Medical history of the patient recorded by the Hospital. ... Original Cash-memo from the hospital (s) / chemist (s) supported by proper prescription. ... Original receipt, pathological and other test reports from a pathologist / radiologist including film etc supported by a note from attending medical practitioner / surgeon demanding such tests. ... Original attending Consultants / Anaesthetists / Specialist certificates regarding diagnosis and bills / receipts etc. ... Surgeon’s original certificate stating diagnosis and nature of operation performed along with bills/ receipts etc. ... MLC/FIR/Post Mortem Report,( if applicable) ... Any other information required by Company / TPA.","sources":[{"clause":null,"heading":"IV. Claim Documents: Section 1A & 1B","page":18,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-protection-plus-policy-irdan556rpms0001v01202425/document/13786#c-iv-claim-documents-section-1a-1b"},{"clause":"7","heading":"Loss of or damage to any insured item by perils which are insurable under any other","page":19,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-protection-plus-policy-irdan556rpms0001v01202425/document/13786#c-7-2"},{"clause":"15","heading":"Claim Documents: Final claim along with original Bills/Cash memos/reports, claim form and","page":41,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-protection-plus-policy-irdan556rpms0001v01202425/document/13786#c-15"},{"clause":"15(i)","heading":null,"page":41,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-protection-plus-policy-irdan556rpms0001v01202425/document/13786#c-15-i"},{"clause":"15(ii)","heading":null,"page":41,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-protection-plus-policy-irdan556rpms0001v01202425/document/13786#c-15-ii"},{"clause":"15(iii)","heading":null,"page":41,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-protection-plus-policy-irdan556rpms0001v01202425/document/13786#c-15-iii"},{"clause":"15(iv)","heading":null,"page":41,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-protection-plus-policy-irdan556rpms0001v01202425/document/13786#c-15-iv"},{"clause":"15(v)","heading":null,"page":41,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-protection-plus-policy-irdan556rpms0001v01202425/document/13786#c-15-v"},{"clause":"15(vi)","heading":null,"page":41,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-protection-plus-policy-irdan556rpms0001v01202425/document/13786#c-15-vi"},{"clause":"15(vii)","heading":null,"page":41,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-protection-plus-policy-irdan556rpms0001v01202425/document/13786#c-15-vii"},{"clause":"15(viii)","heading":null,"page":41,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-protection-plus-policy-irdan556rpms0001v01202425/document/13786#c-15-viii"},{"clause":"15(xi)","heading":null,"page":41,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-protection-plus-policy-irdan556rpms0001v01202425/document/13786#c-15-xi"}],"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":"The company shall decide on applicable claims within 7 days of receipt of the survey report, but that timeline does not apply to Section 1A or Sections 3, 5 and 6. For Happy Cash, the company shall settle claims including rejection within 30 days of receipt of the last necessary document.","display":"7 days from survey report for applicable sections; Happy Cash within 30 days from last necessary document","note":"No claim settlement time is stated for Section 1A, Personal Accident or Super Health Top Up in the cited settlement clause.","quote":"Claim Settlement: Company shall decide on the claim within seven days of receipt of the survey report. However, this timeline will not apply in case of section 1A nor in case of section 3, 5 & 6. ... Company shall settle claims including its rejection within 30 days of the receipt of the last ‘necessary’ document, except in cases where a fraud is suspected, ordinarily no document not listed in the policy terms and conditions shall be deemed necessary.","sources":[{"clause":"1(b)(ii)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-protection-plus-policy-irdan556rpms0001v01202425/document/13786#c-1-b-ii"},{"clause":"1(h)","heading":null,"page":46,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-protection-plus-policy-irdan556rpms0001v01202425/document/13786#c-1-h-2"}],"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":["Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months","Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident.","Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of the specified waiting period","Loss, damage, injury, liability or expenses, whether direct or indirect occasioned by, happening through or arising from any consequences of war","Loss, injury or damage caused by depreciation or wear and tear.","Consequential loss of any kind or description unless specifically covered.","Loss, injury or damage directly or indirectly caused by or arising from or in consequence of or contributed to by nuclear weapons material.","Loss, damage or destruction to any electrical/electronic machine, apparatus, fixture, or fitting by over-running, excessive pressure, short circuiting, arcing, self-heating or leakage of electricity from whatever cause","Loss or damage to bullion or unset precious stones, manuscripts, plans, drawings, securities, obligations or documents of any kind, coins or paper money, cheques, vehicles, and explosive substances","Loss of any Insured Property which is missing or has been mislaid, or its disappearance cannot be linked to any single identifiable event.","Loss or damage to any Insured Property removed from the House Building insured to any other place.","Loss, injury or damage caused by or arising out of willful act or wilful gross negligence on the part of the insured.","Payment of compensation in respect of death, injury or disablement from intentional self injury, suicide or attempted suicide, whilst under the influence of intoxicating liquor or drugs","Any laptop/tablet 5 (five) years old or more is not covered.","Any expenses incurred on OPD treatment."],"display":"PED 36 months, 30-day illness waiting period, specified disease/procedure waiting periods, war, wear and tear, consequential loss, nuclear/radioactivity, electrical short-circuit-type damage, bullion/cash/documents/vehicles, missing property, property removed from the house, wilful act/gross negligence, PA suicide/intoxication/aviation exclusions, laptop/tablet 5 years or older, and OPD treatment","note":"This product has separate section exclusions; the list highlights waiting-period exclusions and major general, property, personal accident, laptop and health exclusions.","quote":"Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first policy with the insurer. ... Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident. ... Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of the specified waiting period of the continuous coverage after the date of inception of the first policy with us. ... Loss, damage, injury, liability or expenses, whether direct or indirect occasioned by, happening through or arising from any consequences of war, invasion, act of foreign enemy, hostilities (whether war be declared or not) civil war, rebellion, revolution, insurrection, military or usurped power, civil commotion or loot or pillage in connection herewith. ... Loss, injury or damage caused by depreciation or wear and tear. ... Consequential loss of any kind or description unless specifically covered. ... Loss, injury or damage directly or indirectly caused by or arising from or in consequence of or contributed to by nuclear weapons material. ... Loss, damage or destruction to any electrical/electronic machine, apparatus, fixture, or fitting by over-running, excessive pressure, short circuiting, arcing, self-heating or leakage of electricity from whatever cause (lightning included). ... Loss or damage to bullion or unset precious stones, manuscripts, plans, drawings, securities, obligations or documents of any kind, coins or paper money, cheques, vehicles, and explosive substances unless otherwise expressly stated in the policy. ... Loss of any Insured Property which is missing or has been mislaid, or its disappearance cannot be linked to any single identifiable event. ... Loss or damage to any Insured Property removed from the House Building insured to any other place. ... Loss, injury or damage caused by or arising out of willful act or wilful gross negligence on the part of the insured. ... Payment of compensation in respect of death, injury or disablement from intentional self injury, suicide or attempted suicide, whilst under the influence of intoxicating liquor or drugs, whilst engaging in ballooning or Aviation ... Any laptop/tablet 5 (five) years old or more is not covered. ... Any expenses incurred on OPD treatment.","sources":[{"clause":null,"heading":"4.1 Pre-existing Diseases - code –ExcI 0 1","page":30,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-protection-plus-policy-irdan556rpms0001v01202425/document/13786#c-4-1-pre-existing-diseases-code-exci-0-1"},{"clause":"5(a)","heading":null,"page":32,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-protection-plus-policy-irdan556rpms0001v01202425/document/13786#c-5-a-2"},{"clause":null,"heading":"4.2 Specified disease / procedure waiting period- code- ExcI 02","page":31,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-protection-plus-policy-irdan556rpms0001v01202425/document/13786#c-4-2-specified-disease-procedure-waiting-period-c"},{"clause":"1","heading":null,"page":11,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-protection-plus-policy-irdan556rpms0001v01202425/document/13786#c-1-2"},{"clause":"2","heading":null,"page":11,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-protection-plus-policy-irdan556rpms0001v01202425/document/13786#c-2"},{"clause":"3","heading":null,"page":11,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-protection-plus-policy-irdan556rpms0001v01202425/document/13786#c-3"},{"clause":"4","heading":null,"page":11,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-protection-plus-policy-irdan556rpms0001v01202425/document/13786#c-4"},{"clause":"6","heading":null,"page":11,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-protection-plus-policy-irdan556rpms0001v01202425/document/13786#c-6"},{"clause":"7","heading":null,"page":11,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-protection-plus-policy-irdan556rpms0001v01202425/document/13786#c-7"},{"clause":"8","heading":"Loss of any Insured Property which is missing or has been mislaid, or its disappearance","page":11,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-protection-plus-policy-irdan556rpms0001v01202425/document/13786#c-8"},{"clause":"9","heading":"Loss or damage to any Insured Property removed from the House Building insured to any","page":11,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-protection-plus-policy-irdan556rpms0001v01202425/document/13786#c-9"},{"clause":"14","heading":null,"page":12,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-protection-plus-policy-irdan556rpms0001v01202425/document/13786#c-14"},{"clause":"4","heading":"Payment of compensation in respect of death, injury or disablement from intentional self","page":22,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-protection-plus-policy-irdan556rpms0001v01202425/document/13786#c-4-5"},{"clause":"9","heading":null,"page":23,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-protection-plus-policy-irdan556rpms0001v01202425/document/13786#c-9-2"},{"clause":"5(c)","heading":"Biological attack or weapons","page":34,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-protection-plus-policy-irdan556rpms0001v01202425/document/13786#c-5-c-3"}],"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":"A grievance may be submitted in writing to the Policy Issuing Office or the Company's Regional Office grievance cells. If it remains unaddressed, the insured may contact the Officer, Customer Care Department, Head Office or email the company, and may later approach the Insurance Ombudsman.","display":"Write to Policy Issuing Office or Regional Office grievance cell; then Customer Care Department, Head Office or email; then Ombudsman","note":null,"quote":"GRIEVANCE REDRESSAL : In the event of the policyholder having any grievance relating to the insurance, the insured may submit in writing to the Policy Issuing Office or Grievance cells at Regional Office / of the Company for redressal. If the grievance remains unaddressed, the insured person may contact the Officer, Customer Care Department, Head Office or email us. ... iii) E-mail: csd@orientalinsurance.co.in ... OMBUDSMAN: If Insured person is not satisfied with the redressal of grievance through above methods, the insured person may also approach the office of Insurance Ombudsman of the respective area/region for redressal of grievance.","sources":[{"clause":null,"heading":"Other Conditions - Applicable to all the Sections of the Policy","page":46,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-protection-plus-policy-irdan556rpms0001v01202425/document/13786#c-other-conditions-applicable-to-all-the-sections"},{"clause":"1(i)(iii)","heading":"E-mail","page":47,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-protection-plus-policy-irdan556rpms0001v01202425/document/13786#c-1-i-iii"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["Fire","Explosion or Implosion","Lightning","Earthquake, volcanic eruption, or other convulsions of nature","Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Tsunami, Flood and Inundation","Subsidence of the land on which the Insured’s Home Building stands, Landslide, Rockslide","Bush fire, Forest fire, Jungle fire","Impact damage of any kind","Missile testing operations","Riot, Strikes, Malicious Damages (RSMD)","Acts of terrorism (Coverage as per Terrorism Clause attached) - Optional","Bursting or overflowing of water tanks, apparatus and pipes.","Leakage from automatic sprinkler installations.","Theft within 7 (seven) days from the occurrence of and proximately caused by any of the above Insured Events.","burglary or housebreaking","bodily injury solely and directly caused by accidental, violent external and visible means","physical loss by fire and allied perils and also any accidental damage to the Laptop/Tablet","hospitalisation for medical/surgical treatment","Hospitalisation Benefit"],"display":"Fire and allied perils, burglary/housebreaking, personal accident, laptop/tablet fire and accidental damage, Super Health Top Up hospitalisation, and Happy Cash hospitalisation benefit","note":"Terrorism is optional. Coverage depends on the sections opted and the policy schedule.","quote":"The Company covers physical loss or damage, or destruction caused to the Insured Property by ... 1. | Fire | caused by burning of Insured Property by order of any Public Authority. ... 2. | Explosion or Implosion | - ... 3. | Lightning | - ... 4. | Earthquake, volcanic eruption, or other convulsions of nature | -\n5. | Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Tsunami, Flood and Inundation\n6. | Subsidence of the land on which the Insured’s Home Building stands, Landslide, Rockslide | ... 7. | Bush fire, Forest fire, Jungle fire | -\n8. | Impact damage of any kind, i.e., damage caused by impact of, or collision caused by any external physical object (e.g. vehicle, falling trees, aircraft, wall etc.) | ... 9. | Missile testing operations | -\n10. | Riot, Strikes, Malicious Damages (RSMD) | ... 11 | Acts of terrorism (Coverage as per Terrorism Clause attached) - Optional | Exclusions and Excess as per Terrorism Clause attached.\n12. | Bursting or overflowing of water tanks, apparatus and pipes. | -\n13. | Leakage from automatic sprinkler installations. | ... 14. Theft within 7 (seven) days from the | ... Any loss or damage to property or any part of the property, whilst contained in the premises described in the Schedule due to burglary or housebreaking (theft following an actual forcible and violent entry of and/or exit from the premises) ... If the Insured and/or their spouse as named in the schedule shall during the currency of the policy sustain bodily injury solely and directly caused by accidental, violent external and visible means, anywhere in the world, resulting in death or disablement within 12 (Twelve) calendar months ... The Company shall indemnify the Insured against physical loss by fire and allied perils and also any accidental damage to the Laptop/Tablet specified in the Schedule ... expenses on hospitalisation (as defined hereinafter) for medical/surgical treatment at any Nursing Home/Hospital ... Hospitalisation Benefit – In the event of the insured person getting hospitalized, a Daily Cash Benefit as mentioned in the schedule shall become payable","sources":[{"clause":null,"heading":"BUILDING AND CONTENTS","page":12,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-protection-plus-policy-irdan556rpms0001v01202425/document/13786#c-building-and-contents"},{"clause":"Row 1","heading":"Fire","page":12,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-protection-plus-policy-irdan556rpms0001v01202425/document/13786#c-row-1"},{"clause":"Row 2","heading":"Explosion or Implosion","page":12,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-protection-plus-policy-irdan556rpms0001v01202425/document/13786#c-row-2"},{"clause":"Row 3","heading":"Lightning","page":12,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-protection-plus-policy-irdan556rpms0001v01202425/document/13786#c-row-3"},{"clause":"Row 4","heading":"Earthquake, volcanic eruption, or other convulsions of nature","page":12,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-protection-plus-policy-irdan556rpms0001v01202425/document/13786#c-row-4"},{"clause":null,"heading":"BUILDING AND CONTENTS","page":13,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-protection-plus-policy-irdan556rpms0001v01202425/document/13786#c-building-and-contents-2"},{"clause":"1","heading":null,"page":18,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-protection-plus-policy-irdan556rpms0001v01202425/document/13786#c-1-5"},{"clause":"Section 3(I)","heading":"Scope of Cover","page":19,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-protection-plus-policy-irdan556rpms0001v01202425/document/13786#c-section-3-i"},{"clause":"Section 4(I)","heading":"Scope of Cover","page":23,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-protection-plus-policy-irdan556rpms0001v01202425/document/13786#c-section-4-i"},{"clause":null,"heading":"SUPER HEALTH TOP UP","page":24,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-protection-plus-policy-irdan556rpms0001v01202425/document/13786#c-super-health-top-up"},{"clause":"1","heading":"Coverage","page":44,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-protection-plus-policy-irdan556rpms0001v01202425/document/13786#c-1-9"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"quote-verified","value":"Terrorism under Fire Building/Contents has an excess of 1% of the claim amount for each and every claim subject to a minimum of INR 10,000. Housebreaking and Personal Accident are nil, Laptop/Tab is INR 2500 per item, Super Health Top Up has the deductible opted by the insured, and Happy Cash has 1 day or 2 days deductible as opted.","display":"Fire terrorism: 1% of claim, minimum INR 10,000; Housebreaking and PA: nil; Laptop/Tab: INR 2500 per item; Super Health Top Up: deductible opted; Happy Cash: 1 or 2 days as opted","note":"The policy wording separately states Happy Cash offers no deductible, 1 day and 2 days options; the CIS table lists the deductible options as 1 day or 2 days.","quote":"Excess as below Section 1A Fire - Building Terrorism: 1% of the claim amount for Section 1B each and every claim subject to Fire -Contents Minimum of INR 10,000 ... Section 2 Housebreaking | NIL\nSection 3 Personal Accident | NIL\nSection 4 Laptop/Tab | INR 2500/- per item\nSection 5 Super Health Top Up | Deductible as opted by the Insured.\nSection 6 Happy Cash | Deductible- 1 day or 2 days, as opted by the Insured","sources":[{"clause":"Row 8","heading":"Loss Participation","page":2,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-protection-plus-policy-irdan556rpms0001v01202425/document/13714#c-row-8"},{"clause":null,"heading":"CUSTOMER INFORMATION SHEET","page":2,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-protection-plus-policy-irdan556rpms0001v01202425/document/13714#c-customer-information-sheet-2"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The insured may terminate the insurance at any time. On cancellation by either party, the company retains premium at short period rate for the time the policy has been in force, and no refund is made if any claim has been reported.","display":"Refund after retaining short period rate; no refund if any claim has been reported","note":null,"quote":"Cancellation: This insurance may be terminated at any time at the request of the Insured. This insurance can be cancelled by the Company only on grounds of established fraud, by giving 07 days’ notice to the insured. In case of cancellation by either party, the Company will retain the premium at short period rate for the time the policy has been in force. ... No refund shall be made in case of any claim having been reported under the policy.","sources":[{"clause":"1","heading":"Entire Contract","page":1,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-protection-plus-policy-irdan556rpms0001v01202425/document/13786#c-1"}],"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 scope is India, except that Personal Accident and Laptop/Tablet are worldwide. Super Health Top Up covers hospitalisation in India or in SAARC countries, with claims outside India considered on reimbursement basis after return to India.","display":"India, except Personal Accident and Laptop/Tablet worldwide; Super Health Top Up India or SAARC countries","note":"The wording appears to call Laptop/Tablet “Section 7” in the geographical scope clause, while the product section for Laptop/Tablet is Section 4.","quote":"Geographical Scope: Geographical scope of this policy shall be India except Section 3 (Personal Accident) and Section 7 (Laptop/Tablet) for which the cover is worldwide. ... medical/surgical treatment at any Nursing Home/Hospital (hereinafter called ‘HOSPITAL’) as an inpatient in India (or in SAARC countries) ... COVERAGE TO SAARC COUNTRIES: The section automatically covers Insured Persons visiting other SAARC (South Asian Association for Regional Cooperation) countries viz- Afghanistan, Bangladesh, Bhutan, Maldives, Nepal, Pakistan, and Sri Lanka. However Cashless service will not be available for treatment taken in countries outside India and such claims shall be considered only on reimbursement basis on the return of the insured person to India.","sources":[{"clause":"1(b)(ii)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-protection-plus-policy-irdan556rpms0001v01202425/document/13786#c-1-b-ii"},{"clause":null,"heading":"SUPER HEALTH TOP UP","page":24,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-protection-plus-policy-irdan556rpms0001v01202425/document/13786#c-super-health-top-up"},{"clause":"5","heading":"COVERAGE TO SAARC COUNTRIES: The section automatically covers Insured Persons","page":27,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-protection-plus-policy-irdan556rpms0001v01202425/document/13786#c-5-6"}],"law":[]},{"key":"subject_covered","label":"What is insured","section":"Cover","meaning":"The thing or risk this policy covers.","status":"quote-verified","value":"The policy covers loss or damage to insured property and bodily injury by accident to the insured or named family members, subject to the sections and sums insured in the schedule. The covered subjects include home building and contents, burglary/housebreaking, personal accident, laptop/tablet, Super Health Top Up and Happy Cash.","display":"Home building and contents, burglary/housebreaking, personal accident, laptop/tablet, Super Health Top Up and Happy Cash","note":"Actual cover depends on the sections opted and listed in the schedule.","quote":"if the Insured shall sustain LOSS or DAMAGE or the Insured or any member of the Insured's family named in the schedule shall sustain BODILY INJURY by accident at any time during the period of insurance stated in the Policy schedule ... the Company shall pay to the Insured the value, at the time of happening of such LOSS of the property so lost or the amount of such damage or the benefits specified herein subject to the maximum sum insured for the relevant section as mentioned in the Schedule. ... Interests Insured | Fire: Building and contents Burglary and housebreaking Personal Accident Laptop Super Health Top Up & Happy Cash","sources":[{"clause":null,"heading":"Retail Policy","page":1,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-protection-plus-policy-irdan556rpms0001v01202425/document/13786#c-retail-policy"},{"clause":"Row 4","heading":"Interests Insured","page":1,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-protection-plus-policy-irdan556rpms0001v01202425/document/13714#c-row-4"}],"law":[]}],"documents":[{"kind":"wording","label":"Policy wording.pdf","pages":57,"fetched_at":"2026-10-17 19:53:56+00","source_url":"https://oicl-cms-media.s3.ap-south-1.amazonaws.com/Policy_wording_a80c607cfc.pdf","url":"https://indiainsurances.com/policy/oriental-insurance/oriental-protection-plus-policy-irdan556rpms0001v01202425/document/13786"},{"kind":"prospectus","label":"Prospectus.pdf","pages":11,"fetched_at":"2026-10-17 19:53:24+00","source_url":"https://oicl-cms-media.s3.ap-south-1.amazonaws.com/Prospectus_b863a7e5cc.pdf","url":"https://indiainsurances.com/policy/oriental-insurance/oriental-protection-plus-policy-irdan556rpms0001v01202425/document/13770"},{"kind":"cis","label":"Customer Information Sheet.pdf","pages":6,"fetched_at":"2026-10-17 19:51:39+00","source_url":"https://oicl-cms-media.s3.ap-south-1.amazonaws.com/Customer_Information_Sheet_ffda86c9f5.pdf","url":"https://indiainsurances.com/policy/oriental-insurance/oriental-protection-plus-policy-irdan556rpms0001v01202425/document/13714"}],"versions":[],"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 PROTECTION PLUS POLICY (UIN IRDAN556RPMS0001V01202425), IndiaInsurances, https://indiainsurances.com/policy/oriental-insurance/oriental-protection-plus-policy-irdan556rpms0001v01202425"}