{"uin":"LIBTGOP20145V011920","name":"International Travel Connect","url":"https://indiainsurances.com/policy/liberty-general-insurance/international-travel-connect-libtgop20145v011920","insurer":{"slug":"liberty-general-insurance","name":"Liberty General Insurance Limited","url":"https://indiainsurances.com/insurer/liberty-general-insurance"},"line":"general","category":"travel","category_name":"Travel insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"International Travel Connect covers international trips from India for accidental death and disability, travel cancellation or curtailment, common carrier delay, missed flight departure, checked baggage loss, passport and card loss, home burglary and visa denial. The policy tenure is 1 to 180 days extendable up to another 180 days, and claim settlement is promised within 30 days from the last necessary document or 45 days if investigated.","analysis":{"state":"machine","analysed_at":"2026-10-20 05:31:11.609019+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 covers and sections 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":"minimum 1 day to maximum 180 days, extendable further up to 180 days on payment of additional premium","display":"minimum 1 day to maximum 180 days, extendable further upto 180 days on payment of additional premium","note":"From the prospectus; the policy wording defines the policy period by the certificate or schedule but does not print a fixed tenure.","quote":"• Policy Tenure: | minimum 1 day to maximum 180\ndays which can be extended further upto 180 days on payment of additional premium","sources":[{"clause":null,"heading":"PROSPECTUS","page":1,"url":"https://indiainsurances.com/policy/liberty-general-insurance/international-travel-connect-libtgop20145v011920/document/11737#c-prospectus"}],"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":"Immediate notice must be given on any event giving rise or likely to give rise to a claim. The named insured person must notify the insurer immediately or not later than 30 days after return to India.","display":"Immediate notice; not later than 30 days after return to India","note":null,"quote":"Upon the happening of any event giving rise or likely to give rise to a claim under this Policy, the Insured/Insured Person shall give immediate notice to Us by calling toll-free number or in writing to the address as shown in the Schedule ... The named Insured Person shall notify the Insurance Company immediately or not later than 30 days after his return to India.","sources":[{"clause":"1","heading":null,"page":22,"url":"https://indiainsurances.com/policy/liberty-general-insurance/international-travel-connect-libtgop20145v011920/document/11766#c-1-11"},{"clause":"3","heading":null,"page":22,"url":"https://indiainsurances.com/policy/liberty-general-insurance/international-travel-connect-libtgop20145v011920/document/11766#c-3-10"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Duly filled and signed Claim Form.","Policy copy","Cancelled cheque","Boarding pass and/or ticket towards the journey","Passport copy revealing entry and exit stamps","Medical reports and doctor’s certificate in case of medical reasons for Trip cancellation/Curtailment","Proof of complaint to local police","Property Irregularity report from the Common Carrier authority","Copy of new passport/debit card/credit card/IDL","Copy of passport with letter received from the respective consulate, embassies or visa application centres stating the Visa denial with reasons."],"display":"Claim-specific checklist includes claim form, policy copy, cancelled cheque, travel tickets or boarding pass, passport copies, medical or death proof, police proof, carrier proof and visa denial proof.","note":"The checklist is claim-type specific; additional documents may be asked based on the claim type.","quote":"• Boarding pass and/or ticket towards the journey ... • Duly filled and signed Claim Form.\n• Policy copy\n• Cancelled cheque ... • Passport copy revealing entry and exit stamps ... • Medical reports and doctor’s certificate in case of medical reasons for Trip cancellation/Curtailment ... • Proof of complaint to local police ... • Property Irregularity report from the Common Carrier authority ... • Copy of new passport/debit card/credit card/IDL ... • Copy of passport with letter received from the respective consulate, embassies or visa application centres stating the Visa denial with reasons.","sources":[{"clause":"Annexure A","heading":"Claim Documents Checklist","page":31,"url":"https://indiainsurances.com/policy/liberty-general-insurance/international-travel-connect-libtgop20145v011920/document/11766#c-annexure-a"},{"clause":null,"heading":"Common Carrier Delay","page":31,"url":"https://indiainsurances.com/policy/liberty-general-insurance/international-travel-connect-libtgop20145v011920/document/11766#c-common-carrier-delay"},{"clause":null,"heading":"Loss of Passport/Debit card & Credit Card/International driving license","page":33,"url":"https://indiainsurances.com/policy/liberty-general-insurance/international-travel-connect-libtgop20145v011920/document/11766#c-loss-of-passport-debit-card-credit-card-internat"},{"clause":null,"heading":"Visa Denial Insurance","page":33,"url":"https://indiainsurances.com/policy/liberty-general-insurance/international-travel-connect-libtgop20145v011920/document/11766#c-visa-denial-insurance"}],"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 settle or reject a claim within 30 days from the date of receipt of the last necessary document. If investigation is warranted, it shall complete investigation within 30 days and settle or reject the claim within 45 days from the date of receipt of the last necessary document; delay beyond 45 days attracts interest at 2% above bank rate.","display":"30 days from last necessary document; 45 days if investigated, with 2% above bank rate for delay","note":null,"quote":"a) The Company shall settle or reject a claim, as the case may be, within 30 days from the date of receipt of last necessary document. ... c) 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":"Part IV(a)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/liberty-general-insurance/international-travel-connect-libtgop20145v011920/document/11766#c-part-iv-a"},{"clause":"Part IV(c)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/liberty-general-insurance/international-travel-connect-libtgop20145v011920/document/11766#c-part-iv-c"},{"clause":"Part IV(d)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/liberty-general-insurance/international-travel-connect-libtgop20145v011920/document/11766#c-part-iv-d"}],"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":["Loss or damage arising from Insured person committing any breach of law with criminal intent.","Insured Person travelling outside India unless as a passenger.","Insured Person participation in any naval, military or air forces operations whether in the form of military exercises, war games or actual engagement with domestic or foreign enemies.","For any loss arising out of War, civil war, invasion, insurrection, revolution, act of foreign enemy, hostilities (whether War be declared or not), rebellion, mutiny, use of military power or usurpation of government or military power, terrorism.","Self-inflicted injury, suicide or attempt threat.","Insured Person being under the influence of alcohol, drugs or intoxicating substances during an Insured event as specified by the Medical practitioner","Driving in any vehicle without valid driving license and all precautionary measures following traffic rules and regulations.","Any Pre-existing conditions and complications arising out of the same unless declared and agreed by the Company.","Any claim lodged being fraudulent in any respect or false declaration made or use of support documents or devices by Insured Person or anyone acting on Insured Person’s behalf to obtain benefit out of the Policy by wrongful means or willful act.","Whilst engaging as a driver, co-driver or passenger of a vehicle engaging in speed contest or racing of any kind or participating in a trail run.","Valuables, money, securities and tickets/passes or any other item not declared by the Insured person.","Theft of the passport/credit card/debit card/international driving license unless reported to the police in the foreign country within 24 hours of the occurrence of the event and the copy of the complaint submitted to Us."],"display":"Main exclusions include breach of law, passenger condition, military operations, war or terrorism, self-inflicted injury or suicide, alcohol or drugs, invalid driving licence, pre-existing conditions unless declared and agreed, fraud, racing, undeclared valuables in baggage, and passport/card theft not reported to police within 24 hours.","note":null,"quote":"Loss or damage arising from Insured person committing any breach of law with criminal intent. ... Insured Person travelling outside India unless as a passenger. ... Insured Person participation in any naval, military or air forces operations whether in the form of military exercises, war games or actual engagement with domestic or foreign enemies. ... For any loss arising out of War, civil war, invasion, insurrection, revolution, act of foreign enemy, hostilities (whether War be declared or not), rebellion, mutiny, use of military power or usurpation of government or military power, terrorism. ... Self-inflicted injury, suicide or attempt threat. ... Insured Person being under the influence of alcohol, drugs or intoxicating substances during an Insured event as specified by the Medical practitioner ... Driving in any vehicle without valid driving license and all precautionary measures following traffic rules and regulations. ... Any Pre-existing conditions and complications arising out of the same unless declared and agreed by the Company. ... Any claim lodged being fraudulent in any respect or false declaration made or use of support documents or devices by Insured Person or anyone acting on Insured Person’s behalf to obtain benefit out of the Policy by wrongful means or willful act. ... Whilst engaging as a driver, co-driver or passenger of a vehicle engaging in speed contest or racing of any kind or participating in a trail run. ... Valuables, money, securities and tickets/passes or any other item not declared by the Insured person. ... Theft of the passport/credit card/debit card/international driving license unless reported to the police in the foreign country within 24 hours of the occurrence of the event and the copy of the complaint submitted to Us.","sources":[{"clause":"1","heading":null,"page":16,"url":"https://indiainsurances.com/policy/liberty-general-insurance/international-travel-connect-libtgop20145v011920/document/11766#c-1-10"},{"clause":"2","heading":null,"page":16,"url":"https://indiainsurances.com/policy/liberty-general-insurance/international-travel-connect-libtgop20145v011920/document/11766#c-2-10"},{"clause":"3","heading":null,"page":16,"url":"https://indiainsurances.com/policy/liberty-general-insurance/international-travel-connect-libtgop20145v011920/document/11766#c-3-9"},{"clause":"4","heading":null,"page":16,"url":"https://indiainsurances.com/policy/liberty-general-insurance/international-travel-connect-libtgop20145v011920/document/11766#c-4-6"},{"clause":"5","heading":null,"page":16,"url":"https://indiainsurances.com/policy/liberty-general-insurance/international-travel-connect-libtgop20145v011920/document/11766#c-5-4"},{"clause":"6","heading":null,"page":16,"url":"https://indiainsurances.com/policy/liberty-general-insurance/international-travel-connect-libtgop20145v011920/document/11766#c-6-4"},{"clause":"7","heading":null,"page":16,"url":"https://indiainsurances.com/policy/liberty-general-insurance/international-travel-connect-libtgop20145v011920/document/11766#c-7-4"},{"clause":"9","heading":null,"page":16,"url":"https://indiainsurances.com/policy/liberty-general-insurance/international-travel-connect-libtgop20145v011920/document/11766#c-9-2"},{"clause":"10","heading":null,"page":17,"url":"https://indiainsurances.com/policy/liberty-general-insurance/international-travel-connect-libtgop20145v011920/document/11766#c-10-2"},{"clause":"13","heading":null,"page":17,"url":"https://indiainsurances.com/policy/liberty-general-insurance/international-travel-connect-libtgop20145v011920/document/11766#c-13-2"},{"clause":"7","heading":null,"page":14,"url":"https://indiainsurances.com/policy/liberty-general-insurance/international-travel-connect-libtgop20145v011920/document/11766#c-7-2"},{"clause":"2","heading":null,"page":16,"url":"https://indiainsurances.com/policy/liberty-general-insurance/international-travel-connect-libtgop20145v011920/document/11766#c-2-8"}],"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 by toll-free number 1800-266-5844, email care@libertyinsurance.in or writing to Customer Service. If the response does not meet expectations, escalate to Manager@libertyinsurance.in, then ServiceHead@libertyinsurance.in, and the grievance officer at gro@libertyinsurance.in before approaching the Insurance Ombudsman.","display":"Step 1: 1800-266-5844 or care@libertyinsurance.in; Step 2: Manager@libertyinsurance.in; Step 3: ServiceHead@libertyinsurance.in; grievance officer gro@libertyinsurance.in","note":null,"quote":"Call us on Toll free number: 1800-266-5844 | If our response or resolution does not meet\nYour expectations, You can escalate at\n(8:00 AM to 8:00 PM, 7 days of the week) | Manager@libertyinsurance.in\nor\nEmail us at: care@libertyinsurance.in | Step 3\nor If You are still not satisfied with the resolution provided, You can further escalate at\nWrite to us at: | ServiceHead@libertyinsurance.in ... If the insured person is not satisfied with the redressal of the grievance through one of the above methods, insured person may contact the grievance officer at gro@libertyinsurance.in.","sources":[{"clause":"Part V","heading":"Grievance Redressal Procedure","page":25,"url":"https://indiainsurances.com/policy/liberty-general-insurance/international-travel-connect-libtgop20145v011920/document/11766#c-part-v"},{"clause":null,"heading":"Customer Service","page":26,"url":"https://indiainsurances.com/policy/liberty-general-insurance/international-travel-connect-libtgop20145v011920/document/11766#c-customer-service"}],"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":["accidental bodily injury during the trip causing death","accidental bodily injury during the trip results in permanent total disability","accidental bodily injury during the trip results in permanent Partial disability","journey in the Common carrier on which you are booked to travel outside India is delayed","booked flight tickets, hotel booking, pre-booked events including excursions","scheduled flight on which you were booked to travel is cancelled by the carrier authorities due to technical/equipment failure","cannot reach the original departure point of your booked journey","trip is cut short or you need to return to India","checked in baggage is lost by the common carrier at the destination outside India","burglary/theft at your residence during your trip outside India","passport is lost while you are outside India","Credit card/Debit Card/International Driving License is lost while you are on your Trip outside India","denial of Visa from the respective consulate, embassies or visa application centres"],"display":"Accidental death, permanent total and partial disablement, common carrier delay, flight ticket cancellation and extension, missed flight departure, trip curtailment, checked baggage loss, home burglary, passport loss, card or international driving licence loss, and visa denial.","note":"The policy wording says limits are as specified in the Policy Schedule for many covers.","quote":"In the event of accidental bodily injury during the trip causing death ... if accidental bodily injury during the trip results in permanent total disability. ... if accidental bodily injury during the trip results in permanent Partial disability. ... journey in the Common carrier on which you are booked to travel outside India is delayed ... booked flight tickets, hotel booking, pre-booked events including excursions ... scheduled flight on which you were booked to travel is cancelled by the carrier authorities due to technical/equipment failure ... cannot reach the original departure point of your booked journey ... trip is cut short or you need to return to India ... checked in baggage is lost by the common carrier at the destination outside India. ... burglary/theft at your residence during your trip outside India. ... passport is lost while you are outside India. ... Credit card/Debit Card/International Driving License is lost while you are on your Trip outside India. ... denial of Visa from the respective consulate, embassies or visa application centres.","sources":[{"clause":"1","heading":"Accidental Death","page":1,"url":"https://indiainsurances.com/policy/liberty-general-insurance/international-travel-connect-libtgop20145v011920/document/11734#c-1"},{"clause":"2","heading":"Permanent Total Disablement","page":1,"url":"https://indiainsurances.com/policy/liberty-general-insurance/international-travel-connect-libtgop20145v011920/document/11734#c-2"},{"clause":"3","heading":"Permanent Partial Disablement","page":2,"url":"https://indiainsurances.com/policy/liberty-general-insurance/international-travel-connect-libtgop20145v011920/document/11734#c-3"},{"clause":"4","heading":"Common Carrier Delay","page":2,"url":"https://indiainsurances.com/policy/liberty-general-insurance/international-travel-connect-libtgop20145v011920/document/11734#c-4"},{"clause":"5","heading":"Flight Ticket Cancellation","page":2,"url":"https://indiainsurances.com/policy/liberty-general-insurance/international-travel-connect-libtgop20145v011920/document/11734#c-5"},{"clause":"6","heading":"Flight Ticket Cancellation Extension","page":2,"url":"https://indiainsurances.com/policy/liberty-general-insurance/international-travel-connect-libtgop20145v011920/document/11734#c-6"},{"clause":"7","heading":"Missed Flight Departure","page":2,"url":"https://indiainsurances.com/policy/liberty-general-insurance/international-travel-connect-libtgop20145v011920/document/11734#c-7"},{"clause":"8","heading":"Trip Curtailment","page":3,"url":"https://indiainsurances.com/policy/liberty-general-insurance/international-travel-connect-libtgop20145v011920/document/11734#c-8"},{"clause":"9","heading":"Loss of Checked -in -Baggage","page":3,"url":"https://indiainsurances.com/policy/liberty-general-insurance/international-travel-connect-libtgop20145v011920/document/11734#c-9"},{"clause":"10","heading":"Home Burglary","page":3,"url":"https://indiainsurances.com/policy/liberty-general-insurance/international-travel-connect-libtgop20145v011920/document/11734#c-10"},{"clause":"11","heading":"Loss of Passport","page":3,"url":"https://indiainsurances.com/policy/liberty-general-insurance/international-travel-connect-libtgop20145v011920/document/11734#c-11"},{"clause":"12","heading":"Loss of Credit Card/Debit Card/International Driving License","page":3,"url":"https://indiainsurances.com/policy/liberty-general-insurance/international-travel-connect-libtgop20145v011920/document/11734#c-12"},{"clause":"13","heading":"Visa Denial Insurance","page":3,"url":"https://indiainsurances.com/policy/liberty-general-insurance/international-travel-connect-libtgop20145v011920/document/11734#c-13"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"conflicting","value":"Under the policy wording, cancellation by the insured is allowed before commencing the Trip until 7 days from the policy period end date if the journey has not commenced; the company deducts 10% of the premium as administration charges and refunds the balance. There is no refund if cancellation is made after 10 days from the policy period end date, the journey has commenced, or a claim has been reported and paid.","display":"Before trip until 7 days from policy period end date: refund balance after 10% administration charge; no refund after 10 days from policy period end date, once journey has commenced, or after a paid claim","note":"The policy wording says cancellation is allowed until 7 days from the policy period end date, but the prospectus says: 'This Policy may be cancelled by the Insured within 10 days from the policy period end date'.","quote":"This Policy may be cancelled by the Insured any time before commencing the Trip until 7 days from the policy period end date, by intimation in writing to the Company as long as the Insured is able to establish to the Company’s satisfaction that the Insured Journey has not commenced. Upon cancellation, the Company shall be entitled to deduct 10% of the premium amount received as administration charges and refund the balance amount. ... There will be no refund of premium if the cancellation is made after 10 days from the policy period end date and/or the Insured Journey has commenced and/or any claim reported and received payment for a claim under any of the covers of this Policy. ... This Policy may be cancelled by the Insured within 10 days from the policy period end date, by intimation in writing to the Company as long as the Insured is able to establish to the Company’s satisfaction that the Insured Journey has not commenced.","sources":[{"clause":null,"heading":"A. Cancellation/Termination of the Policy","page":20,"url":"https://indiainsurances.com/policy/liberty-general-insurance/international-travel-connect-libtgop20145v011920/document/11766#c-a-cancellation-termination-of-the-policy"},{"clause":"13(i)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/liberty-general-insurance/international-travel-connect-libtgop20145v011920/document/11734#c-13-i"}],"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 cover is for an international trip starting from the insured person's residence or place of origin in India to board an international flight and ending at the destination international airport stated in the certificate. Specific covers refer to travel outside India or overseas destinations.","display":"International trip from India to overseas or destination International Airport","note":"The provided documents do not list individual countries.","quote":"“Trip”- means the period of time within the Policy Period commencing from the date & time when the Insured Person travels out of the Place of Residence or Place of Origin in India to reach Airport in India for boarding the International flight or the domestic flight transferring to International flight on which he/she is booked to travel as a fare paying passenger and ending on the date & time Insured Person de-boards the flight at the destination International Airport as specifically mentioned in the Certificate of Insurance. ... in case if Insured Person ‘s checked in baggage is lost by the common carrier at the destination outside India. The benefit will be extended towards the trip from India to Overseas destination","sources":[{"clause":"34","heading":"“Trip”","page":7,"url":"https://indiainsurances.com/policy/liberty-general-insurance/international-travel-connect-libtgop20145v011920/document/11766#c-34"},{"clause":"Section 9","heading":"Loss of Checked-in-Baggage","page":13,"url":"https://indiainsurances.com/policy/liberty-general-insurance/international-travel-connect-libtgop20145v011920/document/11766#c-section-9"}],"law":[]},{"key":"medical_cover","label":"Medical cover abroad","section":"Cover","meaning":"Emergency medical and hospital costs while travelling, and the limit.","status":"not-stated","value":null,"display":null,"note":"The provided wording lists accident death, disability and travel inconvenience covers, but does not state an emergency medical expense or hospital cost benefit with a limit.","quote":null,"sources":[],"law":[]},{"key":"ped_cover","label":"Pre-existing conditions","section":"Cover","meaning":"Whether emergencies from existing conditions are covered.","status":"quote-verified","value":"Pre-existing conditions and complications are excluded unless declared and agreed by the Company.","display":"Excluded unless declared and agreed by the Company","note":null,"quote":"Any Pre-existing conditions and complications arising out of the same unless declared and agreed by the Company.","sources":[{"clause":"9","heading":null,"page":16,"url":"https://indiainsurances.com/policy/liberty-general-insurance/international-travel-connect-libtgop20145v011920/document/11766#c-9-2"}],"law":[]},{"key":"trip_cancellation","label":"Trip cancellation and curtailment","section":"Cover","meaning":"Refund of non-refundable costs if you must cancel or cut short a trip.","status":"quote-verified","value":"Flight ticket cancellation covers unrecoverable expenses for flight tickets, hotel booking and pre-booked events including excursions if cancellation is before commencement for the listed reasons. Trip curtailment covers expenses for travel tickets and/or hotel booking if the trip is cut short or the insured needs to return to India for the listed reasons.","display":"Cancellation: unrecoverable flight tickets, hotel booking and pre-booked events including excursions; curtailment: travel tickets and/or hotel booking, up to schedule limits","note":"Listed reasons include death or critical illness of the insured or immediate family, damage to the insured residence from floods, fire, earthquake and riots, qualifying hospitalisation, and for cancellation, compulsory Covid quarantine.","quote":"The Company will pay up to the amount specified in the Policy Schedule as compensation towards expenses for the flight tickets, hotel booking, pre-booked events including excursions which are unrecoverable from any other sources, if the booked flight tickets needs to be cancelled prior to commencement from the place of residence or Place of origin on account of: ... The Company will pay the amount specified in the schedule as compensation towards the expenses incurred for travel tickets and/or hotel booking, if the Insured Person’s Trip is cut short or Insured Person needs to return to India on account of following reasons:","sources":[{"clause":null,"heading":"Table of Contents","page":10,"url":"https://indiainsurances.com/policy/liberty-general-insurance/international-travel-connect-libtgop20145v011920/document/11766#c-table-of-contents"},{"clause":"Section 8","heading":"Trip Curtailment","page":12,"url":"https://indiainsurances.com/policy/liberty-general-insurance/international-travel-connect-libtgop20145v011920/document/11766#c-section-8"}],"law":[]},{"key":"baggage","label":"Baggage loss and delay","section":"Cover","meaning":"Cover for checked baggage lost or delayed.","status":"quote-verified","value":"The policy reimburses expenses towards total loss of checked-in baggage if checked-in baggage is lost by the common carrier at the destination outside India, subject to the policy schedule limit. If more than one bag is checked in and lost, the maximum limit of indemnity per bag is restricted to 50% and per item to 10% of the applicable sum insured or actuals, whichever is less, after airline refund or compensation.","display":"Total loss of checked-in baggage outside India; per bag 50% and per item 10% of applicable sum insured or actuals, whichever is less","note":"The cited wording states total loss of checked-in baggage; it does not state a checked-baggage delay benefit.","quote":"The Company herewith agree to reimburse Insured Person the expenses incurred towards the total loss of checked in baggage, subject to limit specified in the policy schedule, in case if Insured Person ‘s checked in baggage is lost by the common carrier at the destination outside India. ... In case more than one bag is checked in and are lost, then the maximum limit of Indemnity per bag would be restricted to 50% and per item 10% of the applicable sum insured or actuals whichever is less, after deduction of refund or compensation provided by the airline.","sources":[{"clause":"Section 9","heading":"Loss of Checked-in-Baggage","page":13,"url":"https://indiainsurances.com/policy/liberty-general-insurance/international-travel-connect-libtgop20145v011920/document/11766#c-section-9"},{"clause":"1","heading":null,"page":13,"url":"https://indiainsurances.com/policy/liberty-general-insurance/international-travel-connect-libtgop20145v011920/document/11766#c-1-6"}],"law":[]},{"key":"passport_loss","label":"Passport loss","section":"Cover","meaning":"Costs of replacing a lost passport.","status":"quote-verified","value":"The policy reimburses expenses incurred for obtaining a duplicate or fresh passport overseas if the insured person loses the passport overseas during the trip, up to the amount specified in the schedule.","display":"Costs of duplicate or fresh passport overseas, up to schedule amount","note":null,"quote":"The Company will reimburse the Insured Person, up to the amount specified in the schedule if the Insured Person loses his passport overseas during his Trip. The expenses incurred by the Insured person for obtaining a duplicate or fresh passport overseas would be reimbursed.","sources":[{"clause":"Section 11","heading":"Loss of Passport","page":15,"url":"https://indiainsurances.com/policy/liberty-general-insurance/international-travel-connect-libtgop20145v011920/document/11766#c-section-11"}],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"Amount you bear per claim.","status":"not-stated","value":null,"display":null,"note":"The wording defines a deductible and says it is specified in the Policy Schedule and applicable for each event claimed, but the actual amount is not printed in the provided documents.","quote":null,"sources":[],"law":[]},{"key":"max_trip_days","label":"Trip length","section":"Eligibility","meaning":"Longest trip covered, single or multi-trip.","status":"quote-verified","value":"The policy tenure is minimum 1 day to maximum 180 days, extendable further up to 180 days on payment of additional premium.","display":"maximum 180 days, extendable further upto 180 days","note":"From the prospectus.","quote":"• Policy Tenure: | minimum 1 day to maximum 180\ndays which can be extended further upto 180 days on payment of additional premium","sources":[{"clause":null,"heading":"PROSPECTUS","page":1,"url":"https://indiainsurances.com/policy/liberty-general-insurance/international-travel-connect-libtgop20145v011920/document/11737#c-prospectus"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Free-look, if the policy offers one (usually annual multi-trip policies only): days after you receive the policy in which you can return it for a refund.","status":"not-stated","value":null,"display":null,"note":"No free-look return period is stated in the provided documents.","quote":null,"sources":[],"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":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"conflicting","value":"Policy wording states entry age from 18 years and dependent children from 91 days to 25 years. The policy wording does not state an adult maximum entry age.","display":"18 years for adults; dependent children 91 days to 25 years","note":"The older prospectus says maximum entry age is 80 Years for Adults and 18 Years for Children; the later prospectus says only 25 Years for Children. The policy wording supports 25 years for dependent children and does not print an adult maximum.","quote":"Entry age of the Insured will be from 18 years and that for dependent children will be 91 days to 25 years. ... • Minimum Entry Age: | 18 Years for Adults and 91 days for Children\n• Maximum Entry Age: | 80 Years for Adults and 18 Years for Children ... • Maximum Entry Age: | 25 Years for Children","sources":[{"clause":null,"heading":"A. Age","page":19,"url":"https://indiainsurances.com/policy/liberty-general-insurance/international-travel-connect-libtgop20145v011920/document/11766#c-a-age"},{"clause":null,"heading":"PROSPECTUS","page":1,"url":"https://indiainsurances.com/policy/liberty-general-insurance/international-travel-connect-libtgop20145v011920/document/11734#c-prospectus"},{"clause":null,"heading":"PROSPECTUS","page":1,"url":"https://indiainsurances.com/policy/liberty-general-insurance/international-travel-connect-libtgop20145v011920/document/11737#c-prospectus"}],"law":[]}],"documents":[{"kind":"wording","label":"Internation Travel Connect - Policy Wordings (UIN - LIBTGOP20145V011920)","pages":34,"fetched_at":"2026-10-17 19:59:28+00","source_url":"https://www.libertyinsurance.in/Docx/Internation%20Travel%20Connect%20-%20Policy%20Wordings%20(UIN%20-%20LIBTGOP20145V011920).pdf","url":"https://indiainsurances.com/policy/liberty-general-insurance/international-travel-connect-libtgop20145v011920/document/11766"},{"kind":"prospectus","label":"International Travel Connect (UIN - LIBTGOP20145V011920) - Prospectus","pages":11,"fetched_at":"2026-10-17 19:57:48+00","source_url":"https://www.libertyinsurance.in/Docx/International%20Travel%20Connect-Prospectus-UIN-LIBTGOP20145V011920.pdf","url":"https://indiainsurances.com/policy/liberty-general-insurance/international-travel-connect-libtgop20145v011920/document/11734"},{"kind":"prospectus","label":"International Travel Connect (UIN - LIBTGOP20145V011920) - Effective from 30.09.2024 - Prospectus","pages":16,"fetched_at":"2026-10-17 19:58:00+00","source_url":"https://www.libertyinsurance.in/Docx/International%20Travel%20Connect%20(UIN%20-%20LIBTGOP20145V011920)%20-%20Effective%20from%2030.09.2024%20-%20Prospectus.pdf","url":"https://indiainsurances.com/policy/liberty-general-insurance/international-travel-connect-libtgop20145v011920/document/11737"}],"versions":[],"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":"International Travel Connect (UIN LIBTGOP20145V011920), IndiaInsurances, https://indiainsurances.com/policy/liberty-general-insurance/international-travel-connect-libtgop20145v011920"}