{"uin":"LIBPAGP24107V022324","name":"Liberty Group Personal Accident Policy","url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324","insurer":{"slug":"liberty-general-insurance","name":"Liberty General Insurance Limited","url":"https://indiainsurances.com/insurer/liberty-general-insurance"},"line":"health","category":"personal-accident","category_name":"Personal accident","irdai_type":"Group","kind":"product","status":"active","approved_on":"2017-12-06","withdrawn_on":null,"summary":"Liberty Group Personal Accident Policy is a group personal accident policy with accidental death, permanent total disability, permanent partial disability and temporary total disability benefits. The prospectus states a maximum policy period of 1 year and worldwide geographical scope, with claims settled in India in Indian rupees.","analysis":{"state":"machine","analysed_at":"2026-10-19 20:53:25.00452+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"The documents describe accident benefits and optional extensions, but do not name plan variants.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"The policy is issued for a maximum period of 1 year. Short-period policies can be issued for less than 1 year.","display":"Maximum 1 year; short-period cover less than 1 year","note":"From the prospectus.","quote":"The Policy will be issued for a period of maximum 1 year. ... Short Period Policy can be issued for period less than 1 year.","sources":[{"clause":"3","heading":null,"page":1,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324/document/11706#c-3"},{"clause":"4","heading":null,"page":1,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324/document/11706#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":"Written notice of claim must be given within 15 days after an actual or potential loss begins, or as soon as reasonably possible, and in any event not later than 30 days after the loss begins. The company may condone delay on merits if satisfied the delay was beyond the control of the insured or claimant.","display":"Within 15 days, and in any event not later than 30 days after loss begins","note":null,"quote":"It is a condition precedent to our liability hereunder that written notice of claim must be given by the Insured Person/Nominee/Legal Heir, as applicable, to the Company within 15 days after an actual or potential loss begins or as soon as is reasonably possible and, in any event, not later than 30 days after an actual or potential loss begins. ... However, the Company may condone the delay on merits of the claim subject to getting satisfied that the delay in notification was due to reasons beyond the control of the Insured/Insured Person/Nominee.","sources":[{"clause":null,"heading":"1. Notification of Claim","page":19,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324/document/11758#c-1-notification-of-claim"},{"clause":null,"heading":"Policy Wordings","page":20,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324/document/11758#c-policy-wordings-20"}],"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":["Duly filled and signed claim form","FIR / MLC from police authorities","Driving License of the Insured Person in case death or injury because of Road Traffic accident and the Insured Person was driving the vehicle involved","Death Certificate issued by competent Authorities","Death Summary from the Hospital Authorities if death is confirmed by the Hospital","Post Mortem Report if conducted","Inquest / Panchnama Report","Indemnity Bond / Succession Certificate/ Legal Heir Certificate","Medical Certificate from the attending Medical Practitioner for the injury indicating the extent of disability","Hospital / Nursing Home Medical Records","Radiological / X Ray report relevant to the disability","Disability Certificate from Civil Surgeon in PPD & PTD Claim","Medical fitness certificate from the Treating consultant indicating duration of rest medically advised","Leave certificate from HR (for salaried people) if employee for Group policies","Salary certificate / income proof if employee for Group policies","NEFT mandate form"],"display":"Claim form, police/MLC papers, licence where applicable, death or medical/disability records, ID/address proof and NEFT mandate; TTD also needs fitness, leave and income proof","note":"The policy says the company may call for additional documents or information relevant and necessary for processing the claim.","quote":"1. Duly filled and signed claim form.\n2. FIR / MLC from police authorities.\n3. Driving License of the Insured Person in case death or injury because of Road Traffic accident and the Insured Person was driving the vehicle involved.\n4. Death Certificate issued by competent Authorities.\n5. Death Summary from the Hospital Authorities if death is confirmed by the Hospital.\n6. Post Mortem Report if conducted (Viscera report may asked in case chemical analysis preserved)\n7. Inquest / Panchnama Report. ... 9. Indemnity Bond / Succession Certificate/ Legal Heir Certificate. ... b) FIR / Medico Legal Case (MLC ) report from police authorities.\nc) Driving License of the Insured Person in case of injury because of Road Traffic accident and the Insured Person was driving the vehicle involved.\nd) Medical Certificate from the attending Medical Practitioner for the injury indicating the extent of disability.\ne) Hospital / Nursing Home Medical Records.\nf) Radiological / X Ray report relevant to the disability. ... k) Disability Certificate from Civil Surgeon in PPD & PTD Claim. ... 4. Medical fitness certificate from the Treating consultant indicating duration of rest medically advised\n5. Hospital / Nursing Home Medical Records.\n6. Radiological / X Ray report relevant to the disability.\n7. Leave certificate from HR (for salaried people) if employee for Group policies.\n8. Salary certificate / income proof if employee for Group policies. ... 11. NEFT mandate form filled by deceased / Insured Person in whose name the payment is to be done.","sources":[{"clause":null,"heading":"A. Accidental Death","page":21,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324/document/11758#c-a-accidental-death"},{"clause":null,"heading":"Policy Wordings","page":22,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324/document/11758#c-policy-wordings-22"},{"clause":null,"heading":"C. TTD Claim Check List","page":22,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324/document/11758#c-c-ttd-claim-check-list"}],"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 must settle or reject a claim within 15 days from receipt of the last necessary document. If investigation is needed, it must complete investigation within 30 days from receipt of the last necessary document and settle or reject the claim within 45 days from receipt of the last necessary document; delay attracts interest at 2% above bank rate.","display":"15 days from last necessary document; 45 days if investigation is needed","note":null,"quote":"The Company shall settle or reject a claim, as the case may be, within 15 days from the date of receipt of last necessary document. ... However, where the circumstances of a claim warrant an investigation in the opinion of the Company, it shall initiate and complete such investigation at the earliest in any case not later than 30 days from the date of receipt of last necessary document. In such cases, the Company shall settle or reject the claim within 45 days from the date of receipt of last necessary document. ... In case of delay beyond stipulated 45 days the company shall be liable to pay interest at a rate 2% above the bank rate from the date of receipt of last necessary document to the date of payment of claim.","sources":[{"clause":"13(i)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324/document/11758#c-13-i"},{"clause":"13(iii)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324/document/11758#c-13-iii"},{"clause":"13(iv)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324/document/11758#c-13-iv"}],"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":["Death or disability resulting directly or indirectly caused by, contributed to or aggravated or prolonged by childbirth or from pregnancy excluding ectopic pregnancy","Any injury or disablement arising out of or contributed to by or traceable to any disability existing on the date of issue of this Policy","Expenses related to any treatment necessitated due to participation in hazardous or adventure sports","War (whether declared or not) and war like occurrence","serving in any branch of the Military or Armed Forces of any country during war or warlike operations","intentional self-injury unless in self-defense or to save life, suicide or attempted suicide","whilst under the influence of intoxicating liquor or drugs or other intoxicants","aviation or ballooning except as a passenger in any Scheduled Airlines","breach of law with criminal intent","flying or taking part in aerial activities (including cabin crew) except as a farepaying passenger in a regular Scheduled airline or Air Charter Company","Ionizing radiation or contamination by radioactivity","Nuclear weapons material","Nuclear, chemical and biological terrorism","sanctions, prohibition or restriction under United Nations resolutions or trade or economic sanctions"],"display":"Pregnancy/childbirth, existing disability, hazardous sports, war, military service in war, self-injury/suicide, intoxication, aviation/aerial activities, criminal breach of law, nuclear/radiation/terrorism and sanctions","note":null,"quote":"Death or disability resulting directly or indirectly caused by, contributed to or aggravated or prolonged by childbirth or from pregnancy excluding ectopic pregnancy. ... Any injury or disablement arising out of or contributed to by or traceable to any disability existing on the date of issue of this Policy. ... Expenses related to any treatment necessitated due to participation in hazardous or adventure sports, including but not limited to, para-jumping, rock climbing, mountaineering, rafting, motor racing, horse racing or scuba diving, hand gliding, sky diving, deep-sea diving. ... Any claim for death or disablement (whether of a permanent nature or of a temporary nature), hospitalisation of the insured person, directly or indirectly due to War (whether declared or not) and war like occurrence ... Any claim arising out of Insured Person(s) serving in any branch of the Military or Armed Forces of any country during war or warlike operations. ... a) from intentional self-injury unless in self-defense or to save life, suicide or attempted suicide; ... b) whilst under the influence of intoxicating liquor or drugs or other intoxicants except where the insured is not directly responsible for the injury / accident though under influence of intoxication. ... c) whilst engaging in aviation or ballooning, or whilst mounting into, or dismounting from or travelling in any balloon or aircraft other than as a passenger (fare-paying or otherwise) in any Scheduled Airlines in the world. ... d) arising or resulting from the Insured Person committing any breach of law with criminal intent. ... Any loss whilst flying or taking part in aerial activities (including cabin crew) except as a farepaying passenger in a regular Scheduled airline or Air Charter Company. ... a) Ionizing radiation or contamination by radioactivity from any nuclear fuel ... b) Nuclear weapons material ... d) Nuclear, chemical and biological terrorism ... any claim or provide any benefit hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose Liberty or its parent to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions","sources":[{"clause":"1","heading":null,"page":10,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324/document/11758#c-1-3"},{"clause":"2","heading":null,"page":10,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324/document/11758#c-2-3"},{"clause":"3","heading":null,"page":10,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324/document/11758#c-3-3"},{"clause":"4","heading":null,"page":10,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324/document/11758#c-4-3"},{"clause":"5","heading":null,"page":10,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324/document/11758#c-5-2"},{"clause":"6(a)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324/document/11758#c-6-a"},{"clause":"6(b)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324/document/11758#c-6-b"},{"clause":"6(c)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324/document/11758#c-6-c"},{"clause":"6(d)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324/document/11758#c-6-d"},{"clause":"7","heading":null,"page":10,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324/document/11758#c-7-2"},{"clause":"8","heading":null,"page":11,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324/document/11758#c-8-2"},{"clause":"9","heading":"We (Liberty General Insurance) shall not be deemed to provide cover nor be liable to pay","page":11,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324/document/11758#c-9-2"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact Liberty General Insurance through its website, toll-free number, email, courier address or a branch grievance cell. If not satisfied, contact the grievance officer at gro@libertyinsurance.in before approaching the Insurance Ombudsman or IRDAI Bima Bharosa portal.","display":"Company website/toll-free/email/courier/branch first; then grievance officer at gro@libertyinsurance.in","note":null,"quote":"Grievance–In case of any grievance, the Insured Person may contact the Company through Website: www.libertyinsurance.in Toll free:1800166584 Email: care@libertyinsurance.in Courier: Unit 1501&1502, 15th Floor, Tower 2, One International Center, Senapati Bapat Marg, Prabhadevi, Mumbai – 400013 ... Insured person may also approach the grievance cell at any of the company’s branches with the details of grievance.\nIf Insured person is not satisfied with the redressal of grievance through one of the above methods, insured person may contact the grievance officer at gro@libertyinsurance.in","sources":[{"clause":"14","heading":"Redressal of Grievance","page":15,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324/document/11758#c-14-2"},{"clause":null,"heading":"Policy Wordings","page":16,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324/document/11758#c-policy-wordings-16"}],"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":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"quote-verified","value":"For Accidental Death, Permanent Total Disability and Permanent Partial Disability, the prospectus states an option to opt for minimum Rs 1000 up to 144 times monthly income. Temporary Total Disability is minimum 0.5% of CSI per week and maximum 25% of CSI per week or Rs. 200,000/-week or actual wages for a maximum of 104 weeks.","display":"AD/PTD/PPD: minimum Rs 1000 up to 144 times monthly income; TTD: 0.5% to 25% of CSI per week or Rs. 200,000/-week or actual wages, max 104 weeks","note":"From the prospectus; the policy schedule states the actual selected sum insured.","quote":"• Accidental Death / Permanent Total Disability / Permanent Partial Disability - Option to opt for minimum Rs 1000 upto 144 times of monthly income.\n• Temporary Total Disability - Minimum 0.5% of CSI per week Maximum 25% of CSI per week or Rs. 200,000/-week or actual wages for a maximum of 104 weeks. Maximum Liability under this benefit shall not exceed CSI.","sources":[{"clause":"1","heading":"Capital Sum Insured","page":1,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324/document/11706#c-1"}],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"quote-verified","value":{"unit":"days","amount":0},"display":"NIL","note":"The Customer Information Sheet states the waiting period is nil.","quote":"7. | Waiting Period | NIL","sources":[{"clause":"9","heading":null,"page":4,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324/document/11586#c-9"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"not-applicable","value":null,"display":null,"note":"This is a personal accident benefit policy for accidental injury, death and disability, not an illness policy covering pre-existing diseases after a waiting period.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"not-applicable","value":null,"display":null,"note":"Specific illness waiting periods do not apply to this personal accident policy.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"not-applicable","value":null,"display":null,"note":"The policy covers accidental injury, death and disability and does not list illnesses or procedures with a specific illness waiting period.","quote":null,"sources":[],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"not-stated","value":null,"display":null,"note":"The documents mention moratorium period credits in the premium instalment clause but do not state a moratorium duration.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","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 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"not-stated","value":null,"display":null,"note":"The effective policy wording says renewal of a health insurance policy shall not be denied on the ground of claims, but it does not state whether premium loading applies after claims.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","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 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"quote-verified","value":["childbirth or from pregnancy excluding ectopic pregnancy","disability existing on the date of issue of this Policy","hazardous or adventure sports","War (whether declared or not) and war like occurrence","serving in any branch of the Military or Armed Forces of any country during war or warlike operations","intentional self-injury unless in self-defense or to save life, suicide or attempted suicide","under the influence of intoxicating liquor or drugs or other intoxicants","aviation or ballooning other than as a passenger in any Scheduled Airlines","breach of law with criminal intent","aerial activities (including cabin crew) except as a farepaying passenger in a regular Scheduled airline or Air Charter Company","Ionizing radiation or contamination by radioactivity","Nuclear weapons material","Nuclear, chemical and biological terrorism","sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions"],"display":"Pregnancy/childbirth, existing disability, hazardous sports, war, military war service, self-injury/suicide, intoxication, aviation/aerial activities, criminal breach of law, nuclear/radiation/terrorism and sanctions","note":"The policy wording does not use IRDAI exclusion codes Excl04 to Excl18.","quote":"Death or disability resulting directly or indirectly caused by, contributed to or aggravated or prolonged by childbirth or from pregnancy excluding ectopic pregnancy. ... Any injury or disablement arising out of or contributed to by or traceable to any disability existing on the date of issue of this Policy. ... Expenses related to any treatment necessitated due to participation in hazardous or adventure sports ... Any claim for death or disablement (whether of a permanent nature or of a temporary nature), hospitalisation of the insured person, directly or indirectly due to War (whether declared or not) and war like occurrence ... Any claim arising out of Insured Person(s) serving in any branch of the Military or Armed Forces of any country during war or warlike operations. ... a) from intentional self-injury unless in self-defense or to save life, suicide or attempted suicide; ... b) whilst under the influence of intoxicating liquor or drugs or other intoxicants except where the insured is not directly responsible for the injury / accident though under influence of intoxication. ... c) whilst engaging in aviation or ballooning, or whilst mounting into, or dismounting from or travelling in any balloon or aircraft other than as a passenger (fare-paying or otherwise) in any Scheduled Airlines in the world. ... d) arising or resulting from the Insured Person committing any breach of law with criminal intent. ... Any loss whilst flying or taking part in aerial activities (including cabin crew) except as a farepaying passenger in a regular Scheduled airline or Air Charter Company. ... a) Ionizing radiation or contamination by radioactivity from any nuclear fuel ... b) Nuclear weapons material ... d) Nuclear, chemical and biological terrorism ... any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions","sources":[{"clause":"1","heading":null,"page":10,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324/document/11758#c-1-3"},{"clause":"2","heading":null,"page":10,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324/document/11758#c-2-3"},{"clause":"3","heading":null,"page":10,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324/document/11758#c-3-3"},{"clause":"4","heading":null,"page":10,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324/document/11758#c-4-3"},{"clause":"5","heading":null,"page":10,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324/document/11758#c-5-2"},{"clause":"6(a)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324/document/11758#c-6-a"},{"clause":"6(b)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324/document/11758#c-6-b"},{"clause":"6(c)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324/document/11758#c-6-c"},{"clause":"6(d)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324/document/11758#c-6-d"},{"clause":"7","heading":null,"page":10,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324/document/11758#c-7-2"},{"clause":"8","heading":null,"page":11,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324/document/11758#c-8-2"},{"clause":"9","heading":"We (Liberty General Insurance) shall not be deemed to provide cover nor be liable to pay","page":11,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324/document/11758#c-9-2"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"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 policyholder may cancel at any time during the term by giving 7 days notice in writing. For policies up to one year, the company refunds proportionate premium for the unexpired policy period if no claim has been made; for policies with term more than 1 year, it refunds premium for unexpired policy years where risk coverage has not commenced.","display":"7 days written notice; proportionate refund for unexpired period if term up to one year and no claim","note":null,"quote":"i) The policyholder may cancel his/her policy at any time during the term, by giving 7 days notice in writing. The Company shall\na) refund proportionate premium for unexpired policy period, if the term of policy upto one year and there is no claim (s) made during the policy period.\nb) refund premium for the unexpired policy period, in respect of policies with term more than 1 year and risk coverage for such policy years has not commenced.","sources":[{"clause":"6","heading":"Cancellation","page":12,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324/document/11758#c-6-3"}],"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 policy covers insured events anywhere in the world. Claims are payable in India and in Indian Rupees only.","display":"Anywhere in the world; claims payable in India and in Indian Rupees only","note":null,"quote":"“Insured Event” means an event, loss or damage anywhere in the world for which the Insured Person is entitled to benefit/s under the Policy. ... All claims shall be payable in India and in Indian Rupees only.","sources":[{"clause":null,"heading":"Policy Wordings","page":5,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324/document/11758#c-policy-wordings-5"},{"clause":null,"heading":"5. Currency for Payment","page":18,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324/document/11758#c-5-currency-for-payment"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"The clause says the Free Look Period applies only for new individual health insurance policies, except policies with tenure of less than a year and not on renewals.","quote":"The insured person shall be allowed free look period of 30 days from date of receipt of the policy document to review the terms and conditions of the policy.","sources":[{"clause":"4","heading":"Free look period (if applicable)","page":12,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324/document/11758#c-4-4"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","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 20(1), 20(2)","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":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-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, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":15},"display":"15 days where premium payment mode is monthly and 30 days in all other cases","note":"The renewal clause also states the policy can be renewed within the Grace Period of 30 days to maintain continuity.","quote":"The grace period for payment of the premium for all types of insurance policies shall be: fifteen days where premium payment mode is monthly and thirty days in all other cases.","sources":[{"clause":"7","heading":"“Grace period”","page":2,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324/document/11758#c-7"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.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.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"Adult entry age is minimum 18 years. Dependent child entry age is 3 years to 35 years, and student policy entry age is 3 years to 45 years.","display":"Adult: minimum 18 years; Dependent Child: 3 Years to 35 Years; Student Policy: 3 Years to 45 Years","note":"From the prospectus. The adult maximum entry age is not stated.","quote":"Adult – Minimum 18 Years Dependent Child – 3 Years to 35 Years Student Policy – 3 Years to 45 Years","sources":[{"clause":"2","heading":"Entry age","page":1,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324/document/11706#c-2"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["Half Yearly","Quarterly","Monthly","Annual"],"display":"Half Yearly, Quarterly, Monthly and Annual","note":null,"quote":"If the insured person has opted for payment of premium on an installment basis i.e. Half Yearly, Quarterly or Monthly as mentioned in the policy schedule / certificate of insurance, the following conditions shall apply (notwithstanding any terms contrary elsewhere in the policy). ... Installment Frequency | Inception Premium | 2nd Installment | 3rd Installment | 4th Installment\nFour | 40% | 20% | 20% | 20%\nThree | 40% | 30% | 30% | NA\nTwo | 60% | 40% | NA | NA\nAnnual | 100% | NA | NA | NA","sources":[{"clause":"8","heading":"Premium Payment in Installments","page":13,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324/document/11758#c-8-3"},{"clause":"8(iii)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324/document/11758#c-8-iii"}],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"quote-verified","value":["Waiver of Accidental Death Cover","Permanent Total Disability (Enhanced)","Child Education Support","Transportation of Mortal Remains","Performance of Funeral Ceremony","Accidental Medical Expenses","Accidental Hospitalisation Expenses(Inpatient)","Accidental Hospitalisation Expenses(Outpatient)","Accidental Hospital Daily Cash","Life Support Benefit","Loan Protector","Broken Bone","Modification of Vehicle/Residence","Family Transportation Benefit","Outstanding Bills Protection Benefit","Ambulance Hiring Charges","Cost of Support Devices","Marriage Expenses for Children","Loss / Damage to School Accessories","Loss of Job Cover","Legal Bail Expenses","Double Indemnity","Evacuation Expenses","Family Floater","Coma of Specified Severity","Trauma Counselling","Orphan Benefit For Children","Burns Cover","Miscarriage Due To Accidental Injury","Adventure Sports Cover","Assault Cover","Chauffer / Rental Car Benefit","Common Disaster Benefit","Medical Insurance Premium Benefit","Animal Attack Cover","Snake bite / Insect bite Cover","Paralysis due to Accident","Air Travel Cover","Rent Protection Cover","Loss of Personal Belongings","Purchase of Blood Cover","Air Ambulance Cover","EMI Protector"],"display":"Available extensions include accidental medical, hospitalisation, daily cash, education, mortal remains, funeral, enhanced PTD, loan/EMI, broken bone, burns, adventure sports, air travel and other listed extensions","note":"The prospectus says accident benefits and extensions are optional and can be chosen by the client; the actual cover depends on the policy schedule.","quote":"Available Extensions: • Waiver of Accidental Death Cover • Permanent Total Disability (Enhanced) • Child Education Support • Transportation of Mortal Remains • Performance of Funeral Ceremony • Accidental Medical Expenses • Accidental Hospitalisation Expenses(Inpatient) • Accidental Hospitalisation Expenses(Outpatient) • Accidental Hospital Daily Cash • Life Support Benefit • Loan Protector • Broken Bone ... • Modification of Vehicle/Residence\n• Family Transportation Benefit\n• Outstanding Bills Protection Benefit\n• Ambulance Hiring Charges\n• Cost of Support Devices\n• Marriage Expenses for Children\n• Loss / Damage to School Accessories\n• Loss of Job Cover\n• Legal Bail Expenses\n• Double Indemnity\n• Evacuation Expenses\n• Family Floater\n• Coma of Specified Severity\n• Trauma Counselling\n• Orphan Benefit For Children\n• Burns Cover\n• Miscarriage Due To Accidental Injury\n• Adventure Sports Cover\n• Assault Cover\n• Chauffer / Rental Car Benefit\n• Common Disaster Benefit\n• Medical Insurance Premium Benefit\n• Animal Attack Cover\n• Snake bite / Insect bite Cover\n• Paralysis due to Accident\n• Air Travel Cover\n• Rent Protection Cover\n• Loss of Personal Belongings\n• Purchase of Blood Cover\n• Air Ambulance Cover\n• EMI Protector","sources":[{"clause":"Row 5","heading":"Policy Coverage","page":1,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324/document/11586#c-row-5"},{"clause":null,"heading":"Liberty Group Personal Accident Policy","page":2,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324/document/11586#c-liberty-group-personal-accident-policy-2"}],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"quote-verified","value":"If premium is paid in instalments during the policy period, coverage is available for the grace period. For renewal grace period, the renewal clause states coverage is not available during the grace period.","display":"Available during instalment-premium grace period; not available during renewal grace period","note":"This distinction is stated within the effective policy wording.","quote":"ii) If the premium is paid in instalments during the policy period, coverage will be available for the grace period also. ... At the end of the policy period, the policy shall terminate and can be renewed within the Grace Period of 30 days to maintain continuity of benefits without break in policy. Coverage is not available during the grace period.","sources":[{"clause":"8(ii)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324/document/11758#c-8-ii"},{"clause":"11(iii)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324/document/11758#c-11-iii"}],"law":[]},{"key":"accidental_death","label":"Accidental death","section":"Cover","meaning":"What is paid if an accident causes death.","status":"quote-verified","value":"If an insured person suffers an accident during the policy period and it is the sole and direct cause of death within twelve calendar months from the accident, the insurer pays the Capital Sum Insured as mentioned in the policy schedule and the benefit and relevant extensions cease.","display":"Capital Sum Insured if accident causes death within twelve calendar months","note":null,"quote":"a) Death Due to Accident If an Insured Person suffers an Accident during the Policy Period and this is the sole and direct cause of his death within twelve calendar months from the date of the Accident, then We will pay the Capital Sum Insured as mentioned in the Policy Schedule and the benefit and relevant extensions shall cease to exist.","sources":[{"clause":"1(a)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324/document/11758#c-1-a"}],"law":[]},{"key":"permanent_total_disability","label":"Permanent total disability","section":"Cover","meaning":"What is paid for permanent total disability.","status":"quote-verified","value":"For permanent total disability caused solely and directly by accidental injury within twelve calendar months, the policy pays the percentage of Capital Sum Insured in the table. The listed PTD events pay 100% of CSI for loss of both limbs, loss of a limb and an eye, complete and irrecoverable loss of sight of both eyes, and complete and irrecoverable loss of speech and hearing of both ears.","display":"100% of CSI for listed PTD losses","note":null,"quote":"If an Insured Person suffers from an accidental injury during the Policy Period and within twelve calendar months from the date of Accident, which is the sole and direct cause of his Permanent Total Disability in one of the ways detailed in the table below, We will pay the percentage of the Capital Sum Insured shown in the table ... Limbs (both hands or both feet or one hand and one foot) | 100%\nLoss of a Limb and an eye | 100%\nComplete and irrecoverable loss of sight of both eye | 100%\nComplete and irrecoverable loss of speech & hearing of both ears | 100%","sources":[{"clause":"2","heading":"Permanent Total Disability (PTD)","page":7,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324/document/11758#c-2-2"},{"clause":null,"heading":"Permanent Total Disability – Table of Benefits","page":8,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324/document/11758#c-permanent-total-disability-table-of-benefits"}],"law":[]},{"key":"permanent_partial_disability","label":"Permanent partial disability","section":"Cover","meaning":"The table of payouts for losing a limb, eye, hearing...","status":"quote-verified","value":"For permanent partial disability caused solely and directly by accidental injury within twelve calendar months, the policy pays the percentage of Capital Sum Insured in the table: arm 70% to 55% depending on level, thumb 20%, index finger 10%, other finger 5%, leg 70% to 45% depending on level, foot 40%, big toe 5%, other toe 2%, eye 50%, hearing in each ear 30%, smell 10%, taste 5%, and any other PPD as assessed by a registered medical practitioner.","display":"PPD pays table percentages of CSI, from 2% for each other toe up to 70% for each arm at shoulder or leg above center of femur","note":"The compensation under more than one event for the same period of disability, and multiple PPD claims during the policy period, cannot exceed the Capital Sum Insured stated under the cover.","quote":"If an Insured Person suffers from an accidental injury during the Policy Period and within twelve calendar months from the date of the Accident this is the sole and direct cause of his Permanent Partial Disability in one of the ways detailed in the table below, then We will pay the percentage of the Capital Sum Insured shown in the table. ... Each arm at the shoulder joint | 70%\nEach arm to a point above elbow joint | 65%\nEach arm below elbow joint | 60%\nEach hand at the wrist | 55%\nEach thumb | 20%\nEach index finger | 10%\nEach other finger | 5%\nEach leg above center of the femur | 70% ... Each leg up to a point below the femur | 65%\nEach leg to a point below the knee | 50%\nEach leg up to the center of tibia | 45%\nEach foot at the ankle. | 40%\nEach big toe | 5%\nEach other toe | 2%\nEach eye | 50%\nHearing in each ear | 30%\nSense of smell | 10%\nSense of taste | 5%\nAny other Permanent Partial Disability | Percentage as assessed by Registered medical practitioner","sources":[{"clause":"3","heading":"Permanent Partial Disability (PPD)","page":8,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324/document/11758#c-3-2"},{"clause":null,"heading":"Permanent Partial Disability – Table of Benefits","page":8,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324/document/11758#c-permanent-partial-disability-table-of-benefits"},{"clause":null,"heading":"Policy Wordings","page":9,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324/document/11758#c-policy-wordings-9"}],"law":[]},{"key":"temporary_total_disability","label":"Temporary total disability","section":"Cover","meaning":"Weekly income paid while you cannot work after an accident.","status":"quote-verified","value":"If accidental injury during the policy period is the sole and direct cause of temporary total disability that completely prevents the insured from performing every duty of employment or occupation, the policy pays a weekly benefit. The weekly amount is as opted and mentioned in the schedule, and the disability period cannot exceed 104 weeks from the date of accident.","display":"Weekly benefit as opted in the schedule, for disability period not exceeding 104 weeks","note":null,"quote":"If an Insured Person suffers an accidental injury during the Policy Period which is the sole and direct cause of a Temporary Total Disability which completely prevents him/her from performing each and every duty pertaining to his/her employment or occupation of any description whatsoever, then We will pay a weekly benefit, provided that:\n• The temporary total disability is certified by the treating Doctor, and\n• Our maximum liability to make payment will be limited to the amount per week as opted and mentioned in the policy schedule against this benefit and disability period not exceeding 104 weeks from the date of accident","sources":[{"clause":"4","heading":"Temporary Total Disability (TTD)","page":9,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324/document/11758#c-4-2"}],"law":[]},{"key":"accident_medical","label":"Accident medical expenses","section":"Cover","meaning":"Treatment costs after an accident.","status":"quote-verified","value":"Accidental Medical Expenses is available as an extension. If opted and an insured person suffers an accident requiring immediate medical treatment, the insurer reimburses reasonable and customary medical expenses incurred for treatment up to the limits in the policy schedule, provided a valid claim has been admitted for an accident benefit.","display":"Optional extension: reimburses reasonable and customary medical expenses up to schedule limits after an accident","note":"This is an extension in the prospectus, not a base accident benefit in the policy wording.","quote":"If an Insured Person suffers an Accident during the Policy Period requiring immediate medical treatment following such accident, we will reimburse Reasonable and Customary Charges for Medical Expenses that are incurred towards treatment of such person to the extent of limit/s mentioned in the schedule forming part of the policy, provided a valid claim has been admitted in respect of any of the accident benefit(s) defined in the Table of Benefits.","sources":[{"clause":null,"heading":"6. Accidental Medical Expenses","page":4,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324/document/11706#c-6-accidental-medical-expenses"}],"law":[]},{"key":"occupation_classes","label":"Occupation rules","section":"Eligibility","meaning":"Whether your job affects cover or premium.","status":"quote-verified","value":"Premium depends on risk category, group size, past experience and other group factors. The prospectus classifies occupations into Risk Group I, Risk Group II and Risk Group III, and for heterogeneous groups uses individual occupation where available or the occupation of the majority where more than 50% of members fall in a risk group.","display":"Risk Groups I, II and III; occupation affects risk category and premium","note":"From the prospectus. The policy wording also requires immediate written notice of material change in risk or change in business or occupation during the policy period.","quote":"Premium for this Policy depends on the risk category, group size, past experience & other factors particular to the group for which a proposal has been sought. ... Risk Group I: Doctors, Lawyers, Accountants, Architects, Consulting engineers, Teachers, Bankers, Builders, Contractors, Engineers on site engaged in superintending functions only, Veterinary Doctors, business owners wherein the business is not dealing in hazardous goods or not involving manual labor, Persons engaged in clerical functions & administrative functions and such other persons engaged in occupations of similar hazard listed above. Risk Group II: Professional Athletics & Sportsmen (except those athletics/sports falling under the declined list Risk Group III), Wood working Machinists, Mechanics, Drivers, Manual laborers (except those falling under Group III) & such other persons engaged in occupation of similar hazard listed above.\nRisk Group III: Persons working in underground mines, explosives, magazines, workers involved in electrical installation with high tension supply, demolition workers, Jockeys, Circus personnel, Persons engaged in activities like racing on wheels or horseback, big game hunting, mountaineering, winter sports, skiing, ice hockey, ballooning, hand gliding, river rafting, polo, persons working as Air Crew and Ship Crew, and such other persons engaged in occupation of similar hazard listed above.\nWhere a group of heterogeneous persons are covered, the risk group consideration will be based on the occupation of individual members, where detailed occupational information is available or on the occupation of majority of group members where more than 50% of the group can be classified as belonging to any of the risk groups above.","sources":[{"clause":"40(b)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324/document/11706#c-40-b"}],"law":[]}],"documents":[{"kind":"wording","label":"Liberty Group Personal Accident - Policy Wordings (UIN - LIBPAGP24107V022324) (Effective from 01.10.2024)","pages":25,"fetched_at":"2026-10-17 19:59:14+00","source_url":"https://www.libertyinsurance.in/Docx/Liberty%20Group%20Personal%20Accident%20-%20Policy%20Wordings%20(UIN%20-%20LIBPAGP24107V022324)%20(Effective%20from%2001.10.2024).pdf","url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324/document/11758"},{"kind":"wording","label":"Liberty Group Personal Accident - Policy Wordings (UIN - LIBPAGP24107V022324) (Withdrawn from 30.09.24)","pages":23,"fetched_at":"2026-10-17 20:00:12+00","source_url":"https://www.libertyinsurance.in/Docx/Liberty%20Group%20Personal%20Accident%20-%20Policy%20Wordings%20(UIN%20-%20LIBPAGP24107V022324)%20(Withdrawn%20from%2030.09.24).pdf","url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324/document/11786"},{"kind":"wording","label":"Liberty Group Personal Accident Policy (IRDAI copy)","pages":23,"fetched_at":"2026-10-20 02:28:21+00","source_url":"https://irdai.gov.in/documents/37343/931203/LVGPAGP18098V011718_2018-2019.pdf/0e43307b-3570-cad7-4c28-abd8b158f2da?version=1.1&t=1668507362449&download=true","url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324/document/28468"},{"kind":"wording","label":"Liberty Group Personal Accident Policy (IRDAI copy 2)","pages":21,"fetched_at":"2026-10-20 02:28:22+00","source_url":"https://irdai.gov.in/documents/37343/931203/LGI_LibertyGroupPersonalAccidentPolicy_2017-2018.pdf/ced9b9d6-af73-b235-0faa-6ba359dac583?version=1.1&t=1668425666369&download=true","url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324/document/28469"},{"kind":"prospectus","label":"Liberty Group Personal Accident Policy - Prospectus (UIN - LIBPAGP24107V022324) (Effective from 01.10.24)","pages":27,"fetched_at":"2026-10-17 19:55:54+00","source_url":"https://www.libertyinsurance.in/Docx/Liberty%20Group%20Personal%20Accident%20Policy%20-%20Prospectus%20(UIN%20-%20LIBPAGP24107V022324)%20(Effective%20from%2001.10.24).pdf","url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324/document/11706"},{"kind":"cis","label":"Liberty Group Personal Accident Policy - CIS (UIN - LIBPAGP24107V022324) (Effective from 01.10.2024)","pages":12,"fetched_at":"2026-10-17 19:47:36+00","source_url":"https://www.libertyinsurance.in/Docx/Liberty%20Group%20Personal%20Accident%20Policy%20-%20CIS%20(UIN%20-%20LIBPAGP24107V022324).pdf","url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324/document/11586"},{"kind":"proposal","label":"Liberty Group Personal Accident Policy - Proposal Form (UIN - LIBPAGP24107V022324)","pages":null,"fetched_at":"2026-10-17 19:56:32+00","source_url":"https://www.libertyinsurance.in/Docx/Liberty%20Group%20Personal%20Accident%20Policy%20-%20Proposal%20Form%20(UIN%20-%20LIBPAGP24107V022324).pdf","url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324/document/30328"}],"versions":[{"uin":"LVGPAGP18098V011718","version":null,"approved_on":null},{"uin":"LIBPAGP24107V022324","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Liberty General Insurance official website","url":"https://www.libertyinsurance.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":"Claims assistance","url":"https://www.libertyinsurance.in/claims/claims-assistance.html","note":null},{"purpose":"claim","kind":"insurer","name":"Health claims","url":"https://www.libertyinsurance.in/claims/health-claims.html","note":null},{"purpose":"claim","kind":"insurer","name":"Motor claims","url":"https://www.libertyinsurance.in/claims/motor-claims.html","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.libertyinsurance.in/customer-support/grievance-redressal.html","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."},{"purpose":"renew","kind":"insurer","name":"Car insurance renewal","url":"https://www.libertyinsurance.in/products/motor-insurance/car-insurance-renewal","note":null}],"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":"Liberty Group Personal Accident Policy (UIN LIBPAGP24107V022324), IndiaInsurances, https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-personal-accident-policy-libpagp24107v022324"}