{"uin":"NIAPAIP23064V012223","name":"New India Pension Protect Personal Accident Policy","url":"https://indiainsurances.com/policy/new-india-assurance/new-india-pension-protect-personal-accident-policy-niapaip23064v012223","insurer":{"slug":"new-india-assurance","name":"The New India Assurance Company Limited","url":"https://indiainsurances.com/insurer/new-india-assurance"},"line":"health","category":"personal-accident","category_name":"Personal accident","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"This is a personal accident policy for retirees who are recipients of pension or annuity, with entry age 35 to 70 years. The basic cover pays full sum insured for accidental death, with sum insured up to 72 times monthly pension lost and prospectus limits of Rs 1 lakh to Rs 5 Cr.","analysis":{"state":"machine","analysed_at":"2026-10-19 22:00:04.48199+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":"No named plan variants are stated; the documents list a basic cover and built-in covers.","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 period is one year.","display":"One year","note":null,"quote":"POLICY PERIOD means period of one year for which the policy is issued.","sources":[{"clause":"4.6","heading":"POLICY PERIOD","page":2,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-pension-protect-personal-accident-policy-niapaip23064v012223/document/13532#c-4-6"}],"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":"Intimation of an event that may give rise to a claim must be given within 30 days of its happening. Claims for death benefits must be submitted not later than one (1) month after transportation of the mortal remains or burial.","display":"Intimate within 30 days; submit death benefit claim not later than one (1) month after transportation of the mortal remains/ burial","note":null,"quote":"Intimation about an event or occurrence that may give rise to a claim under this policy must be given within 30 days of its happening. ... Claims for insurance benefits must be submitted to the Company not later than one (1) month after transportation of the mortal remains/ burial in the event of Death.","sources":[{"clause":"6.1(i)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-pension-protect-personal-accident-policy-niapaip23064v012223/document/13532#c-6-1-i"},{"clause":"6.1(ii)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-pension-protect-personal-accident-policy-niapaip23064v012223/document/13532#c-6-1-ii"}],"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 completed claim form","Photo Identity Proof of the insured person","Copy of FIR/ Panchnama / Police Inquest Report (wherever these reports are required as per the circumstance of the Accident) duly attested by the concerned Police Station","Copy of Medico Legal Certificate (wherever it is required as per the circumstance of the Accident) duly attested by the concerned Hospital","Death certificate","Post Mortem Report (if conducted)","Identity proof of Nominee or Family Pension Recipient Original Succession Certificate / Original Legal Heir Certificate or any other proof to the satisfaction of the Company for the purpose of a valid discharge in case nomination is not filed by deceased","Any other relevant document required by the Company for assessment of the claim"],"display":"Claim form, photo identity proof, FIR/Panchnama/Police Inquest Report where required, Medico Legal Certificate where required, death certificate, post mortem report if conducted, nominee/family pension recipient identity or succession/legal heir proof, and any other relevant document","note":null,"quote":"Basic documents required for claims\ni) Duly completed claim form\nii) Photo Identity Proof of the insured person\niii) Copy of FIR/ Panchnama / Police Inquest Report (wherever these reports are required as per the circumstance of the Accident) duly attested by the concerned Police Station\niv) Copy of Medico Legal Certificate (wherever it is required as per the circumstance of the Accident) duly attested by the concerned Hospital\nv) Death certificate;\nvi) Post Mortem Report (if conducted);\nvii) Identity proof of Nominee or Family Pension Recipient Original Succession Certificate / Original Legal Heir Certificate or any other proof to the satisfaction of the Company for the purpose of a valid discharge in case nomination is not filed by deceased. Any other relevant document required by the Company for assessment of the claim\nviii) Any other relevant document required by the Company for assessment of the claim","sources":[{"clause":"6.2","heading":"Documents required for processing a claim","page":5,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-pension-protect-personal-accident-policy-niapaip23064v012223/document/13532#c-6-2"}],"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 receipt of the last necessary document. If investigation is warranted, investigation must be completed not later than 30 days from receipt of the last necessary document and the claim settled or rejected within 45 days from receipt of the last necessary document.","display":"30 days from receipt of last necessary document; 45 days from receipt of last necessary document for investigated claims","note":null,"quote":"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. ... 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.","sources":[{"clause":"6.4(i)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-pension-protect-personal-accident-policy-niapaip23064v012223/document/13532#c-6-4-i"},{"clause":"6.4(iii)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-pension-protect-personal-accident-policy-niapaip23064v012223/document/13532#c-6-4-iii"}],"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":["From intentional self –injury","From suicide","From voluntary self exposure to sports / hazardous activities / adventure sports /Adventure activities","Any claim arising due to illness","Whilst under the influence of intoxicating liquor or drugs","Whilst engaging in Aviation or Ballooning, other than as a passenger in any licensed standard type of aircraft anywhere in the world","Directly or indirectly caused by any disease, veneral disease / diseases or insanity","Circumcision or Strictures or Vaccination or Inoculation or change of life or beauty treatment of any description or dental or eye treatment or dissipation or nervous breakdown or veneral disease or intemperance","Arising or resulting from the Insured committing any breach of law with criminal intent","War, Invasion, Act of foreign enemy, Hostilities, Civil war, Rebellion, Insurrection, Mutiny, Military or Usurped power and related seizure/restraint events","Ionizing radiation, nuclear fuel or waste, nuclear weapons material, hazardous nuclear properties, or nuclear, chemical and biological terrorism","Any loss arising out of the Insured Person's actual or attempted commission of or wilful participation in an illegal act or any violation or attempted violation of the law"],"display":"Intentional self-injury, suicide, hazardous/adventure activities, illness, intoxicating liquor or drugs, aviation/ballooning except permitted passenger travel, disease/venereal disease/insanity, listed medical and treatment conditions, breach of law with criminal intent, war and related perils, nuclear/radiation/terrorism perils, and illegal acts","note":null,"quote":"The Company shall not be liable to make any payment under this policy in respect of any Benefit for Death of the Insured from\na) From intentional self –injury\nb) From suicide\nc) From voluntary self exposure to sports / hazardous activities / adventure sports /Adventure activities\nd) Any claim arising due to illness\ne) Whilst under the influence of intoxicating liquor or drugs\nf) Whilst engaging in Aviation or Ballooning ,whilst mounting into or dismounting from or travelling in any balloon or aircraft other than as a passenger (fare paying or otherwise) in any licensed standard type of aircraft anywhere in the world ‘Standard Type of Aircraft’ means any aircraft duly licensed by appropriate authority to carry passengers (for hire or otherwise) irrespective of whether such an aircraft is privately owned OR chartered OR operated by a regular airline OR whether such an aircraft has a single engine or multi-engine.\ng) Directly or indirectly caused by any disease, veneral disease / diseases or insanity”\nh) Circumcision or Strictures or Vaccination or Inoculation or change of life or beauty treatment of any description or dental or eye treatment or dissipation or nervous breakdown (which expression shall also cover general debility (rundown conditions and general overhaul ) or veneral disease or intemperance .\ni) Arising or resulting from the Insured committing any breach of law with criminal intent. ... j) Arising out of directly or indirectly connected with or traceable to –War,Invasion,Act of foreign enemy, Hostilities (whether war be declared or not ) , Civil war, Rebellion, Insurrection, Mutiny,Military or Usurped power Seizure, Capture, Arrests, Restraints and Detainment by any kings, princes and people of whatever nation, condition or quality.\nk) Any claim resulting or arising from or any consequential loss directly or indirectly caused by or contributed to or arising from:\nA. Ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel or from any nuclear waste from combustion (including any self-sustaining process of nuclear fission) of nuclear fuel. B. Nuclear weapons material C. The radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof. D. Nuclear, chemical and biological terrorism\nl) Any loss arising out of the Insured Person's actual or attempted commission of or wilful participation in an illegal act or any violation or attempted violation of the law.","sources":[{"clause":"5","heading":"EXCLUSIONS","page":3,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-pension-protect-personal-accident-policy-niapaip23064v012223/document/13532#c-5"},{"clause":null,"heading":"India’s Premier Multinational General Insurance Company","page":4,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-pension-protect-personal-accident-policy-niapaip23064v012223/document/13532#c-indias-premier-multinational-general-insurance-c-4"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"For a grievance, the insured may contact the company through the website, toll free number, schedule-stated email/fax/courier, or the grievance cell at any branch. If not satisfied, the insured may contact the grievance officer at New India Head Office before approaching the Insurance Ombudsman.","display":"Contact the company or branch grievance cell first; if not satisfied, contact the grievance officer at New India Head Office; then Ombudsman","note":null,"quote":"In case of any grievance the insured person may contact the company through\ni) Website: www.newindia.co.in\nii) Toll free: 1800 209 1415\niii) E-mail: As stated in the policy schedule\niv) Fax : As stated in the policy schedule ... Insured person may also approach the grievance cell at any of the company’s branches with the details of grievance. If Insured person is not satisfied with the redressal of grievance through one of the above methods, insured person may contact the grievance officer at New India Head Office.\nFor updated details of grievance officer, kindly refer the link at www.newindia.co.in\nInsurance Ombudsman –The insured person may also approach the office of Insurance Ombudsman of the respective area/region for redressal of grievance.","sources":[{"clause":"13","heading":"GRIEVANCE REDRESSAL","page":8,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-pension-protect-personal-accident-policy-niapaip23064v012223/document/13532#c-13"},{"clause":null,"heading":"India’s Premier Multinational General Insurance Company","page":9,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-pension-protect-personal-accident-policy-niapaip23064v012223/document/13532#c-indias-premier-multinational-general-insurance-c-9"}],"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":"Maximum sum insured allowable is 72 times of Monthly Pension Lost. The prospectus states a minimum sum insured of Rs 1 lakh and maximum sum insured of Rs 5 Cr.","display":"Minimum Rs 1 lakh; maximum Rs 5 Cr, subject to 72 times of Monthly Pension Lost","note":null,"quote":"Maximum sum insured allowable is 72 times of Monthly Pension Lost ( as per the Pension Scheme of the respective employer / Annuity Plan purchased by the Employer / Annuity Plan purchased by the retiree ) in the event of Death of the Pensioner. Pension Lost implies the difference between the derived pension as on the date of commencement of the policy period and the family pension available to such dependent family members as would become recipient of the family pension as recorded in the Pension Scheme / Annuity Plan after the death of the pensioner. Minimum Sum insured – Rs 1 lakh Maximum sum insured – Rs 5 Cr","sources":[{"clause":null,"heading":"What shall be the sum insured ?","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-pension-protect-personal-accident-policy-niapaip23064v012223/document/13540#c-what-shall-be-the-sum-insured"}],"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":"not-applicable","value":null,"display":null,"note":"This personal accident policy pays accidental death benefits and does not provide illness cover, so an initial illness waiting period does not apply.","quote":null,"sources":[],"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 policy covers accidental death and does not cover disease or illness claims, so a pre-existing disease waiting period does not apply.","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":"This policy is an accidental death benefit policy, not an illness/procedure policy, so specific illness waiting periods do not apply.","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":"This policy is an accidental death benefit policy, not an illness/procedure policy, so there is no list of illnesses with a specific 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":"No moratorium period clause is stated.","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":"No portability clause is stated.","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":"The policy states annual renewal terms, but does not state lifelong renewal.","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":"No claim-based premium loading at renewal is stated.","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":["From intentional self –injury","From suicide","From voluntary self exposure to sports / hazardous activities / adventure sports /Adventure activities","Any claim arising due to illness","Whilst under the influence of intoxicating liquor or drugs","Whilst engaging in Aviation or Ballooning, other than as a passenger in any licensed standard type of aircraft anywhere in the world","Directly or indirectly caused by any disease, veneral disease / diseases or insanity","Circumcision or Strictures or Vaccination or Inoculation or change of life or beauty treatment of any description or dental or eye treatment or dissipation or nervous breakdown or veneral disease or intemperance","Arising or resulting from the Insured committing any breach of law with criminal intent","War, Invasion, Act of foreign enemy, Hostilities, Civil war, Rebellion, Insurrection, Mutiny, Military or Usurped power and related seizure/restraint events","Ionizing radiation, nuclear fuel or waste, nuclear weapons material, hazardous nuclear properties, or nuclear, chemical and biological terrorism","Any loss arising out of the Insured Person's actual or attempted commission of or wilful participation in an illegal act or any violation or attempted violation of the law"],"display":"Permanent exclusions include self-injury, suicide, hazardous/adventure activities, illness, liquor or drugs, aviation/ballooning except permitted passenger travel, disease/venereal disease/insanity, listed medical and treatment conditions, criminal breach of law, war perils, nuclear/radiation/terrorism perils, and illegal acts","note":null,"quote":"The Company shall not be liable to make any payment under this policy in respect of any Benefit for Death of the Insured from\na) From intentional self –injury\nb) From suicide\nc) From voluntary self exposure to sports / hazardous activities / adventure sports /Adventure activities\nd) Any claim arising due to illness\ne) Whilst under the influence of intoxicating liquor or drugs\nf) Whilst engaging in Aviation or Ballooning ,whilst mounting into or dismounting from or travelling in any balloon or aircraft other than as a passenger (fare paying or otherwise) in any licensed standard type of aircraft anywhere in the world ‘Standard Type of Aircraft’ means any aircraft duly licensed by appropriate authority to carry passengers (for hire or otherwise) irrespective of whether such an aircraft is privately owned OR chartered OR operated by a regular airline OR whether such an aircraft has a single engine or multi-engine.\ng) Directly or indirectly caused by any disease, veneral disease / diseases or insanity”\nh) Circumcision or Strictures or Vaccination or Inoculation or change of life or beauty treatment of any description or dental or eye treatment or dissipation or nervous breakdown (which expression shall also cover general debility (rundown conditions and general overhaul ) or veneral disease or intemperance .\ni) Arising or resulting from the Insured committing any breach of law with criminal intent. ... j) Arising out of directly or indirectly connected with or traceable to –War,Invasion,Act of foreign enemy, Hostilities (whether war be declared or not ) , Civil war, Rebellion, Insurrection, Mutiny,Military or Usurped power Seizure, Capture, Arrests, Restraints and Detainment by any kings, princes and people of whatever nation, condition or quality.\nk) Any claim resulting or arising from or any consequential loss directly or indirectly caused by or contributed to or arising from:\nA. Ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel or from any nuclear waste from combustion (including any self-sustaining process of nuclear fission) of nuclear fuel. B. Nuclear weapons material C. The radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof. D. Nuclear, chemical and biological terrorism\nl) Any loss arising out of the Insured Person's actual or attempted commission of or wilful participation in an illegal act or any violation or attempted violation of the law.","sources":[{"clause":"5","heading":"EXCLUSIONS","page":3,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-pension-protect-personal-accident-policy-niapaip23064v012223/document/13532#c-5"},{"clause":null,"heading":"India’s Premier Multinational General Insurance Company","page":4,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-pension-protect-personal-accident-policy-niapaip23064v012223/document/13532#c-indias-premier-multinational-general-insurance-c-4"}],"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 insured may cancel by giving 15days’ written notice; the insurer refunds premium on short term rates for the unexpired policy period. The insurer retains 1/4th of annual rate up to one month, 1/2 up to three months, 3/4th up to six months, and the full annual rate if exceeding six months; no refund is made where any claim has been admitted or lodged or any benefit availed.","display":"15days’ written notice; refund on short term rates: 1/4th retained up to one month, 1/2 up to three months, 3/4th up to six months, full annual rate exceeding six months; no refund if any claim admitted/lodged/benefit availed","note":null,"quote":"The Insured may cancel this Policy by giving 15days’ written notice, and in such an event, the Company shall refund premium on short term rates for the unexpired Policy Period as per the rates detailed below.\nThe premium, on cancellation by insured, will be retained BY INSURER as follows: ... Period On Risk | Rate Of Premium To Be Retained\nUp to one month | 1/4th of the annual rate\nUp to three months | 1/2 of the annual rate\nUp to six months | 3/4th of the annual rate\nExceeding six months | Full annual rate ... Notwithstanding anything contained herein or otherwise, no refunds of premium shall be made in respect of Cancellation where, any claim has been admitted or has been lodged or any benefit has been availed by the Insured person under the Policy.","sources":[{"clause":"8","heading":"CANCELLATION","page":6,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-pension-protect-personal-accident-policy-niapaip23064v012223/document/13532#c-8"},{"clause":null,"heading":"India’s Premier Multinational General Insurance Company","page":7,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-pension-protect-personal-accident-policy-niapaip23064v012223/document/13532#c-indias-premier-multinational-general-insurance-c-7"},{"clause":"8(i)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-pension-protect-personal-accident-policy-niapaip23064v012223/document/13532#c-8-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":"not-stated","value":null,"display":null,"note":"No geographic area of cover is stated.","quote":null,"sources":[],"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":15},"display":"At least 15 days from the date of receipt of the policy","note":"Applicable at the inception of the policy.","quote":"The insured will be allowed a period of at least 15 days from the date of receipt of the policy to review the terms and conditions of the policy and to return the same if not acceptable.","sources":[{"clause":"12(i)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-pension-protect-personal-accident-policy-niapaip23064v012223/document/13532#c-12-i"}],"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":30},"display":"30 days or as amended by IRDA from time to time","note":null,"quote":"Grace period (30 days or as amended by IRDA from time to time) means the specified period of time immediately following the premium due date during which a payment can be made to renew or continue a policy in force without loss of continuity benefits.","sources":[{"clause":"4.7","heading":"GRACE PERIOD","page":2,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-pension-protect-personal-accident-policy-niapaip23064v012223/document/13532#c-4-7"}],"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":"Entry age is from the time of becoming a pensioner, but not less than 35 years and up to age of 70 years. On completion of 65 years, new proposal acceptance is subject to a satisfactory physical fitness certificate and premium loading @ 2 % every year.","display":"From becoming a Pensioner, but not less than 35 years and up to 70 years","note":null,"quote":"Entry Age - From the time of becoming a Pensioner, but not less than 35 years and up to age of 70 years. Age means age of the Insured Person on the last birthday as on the date of commencement of the policy.\n(Note: On completion of 65 years of age the acceptance of new proposals would be subject to submission of satisfactory physical fitness certificate from family doctor / medical practitioner and premium loading @ 2 % every year.)","sources":[{"clause":"4.5","heading":"AGE","page":2,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-pension-protect-personal-accident-policy-niapaip23064v012223/document/13532#c-4-5"}],"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":["Annual"],"display":"Annual Premium","note":null,"quote":"Policy period - Annual Premium : Rs 55 per lakh of SI + Rs 3 per policy + GST","sources":[{"clause":null,"heading":"What shall be the sum insured ?","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-pension-protect-personal-accident-policy-niapaip23064v012223/document/13540#c-what-shall-be-the-sum-insured"}],"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":"not-stated","value":null,"display":null,"note":"No optional covers for extra premium are stated.","quote":null,"sources":[],"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":"Coverage is not available during the grace period.","display":"Coverage is not available during the grace period","note":null,"quote":"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":"7","heading":"RENEWAL","page":6,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-pension-protect-personal-accident-policy-niapaip23064v012223/document/13532#c-7"}],"law":[]},{"key":"accidental_death","label":"Accidental death","section":"Cover","meaning":"What is paid if an accident causes death.","status":"quote-verified","value":"If the insured person dies solely and directly from an accident and the death occurs within twelve months of the accident, the company pays the full sum insured to dependent family members who would become recipients of the family pension as recorded in the pension scheme or annuity plan.","display":"Accidental Death - Full Sum Insured, if death occurs within Twelve months of the Accident","note":null,"quote":"If at anytime during the currency of this policy, the Insured person shall die\na) resulting solely and directly from Accident , then the Company shall pay to such dependent family members as would become recipient of the family pension as recorded in the Pension Scheme / Annuity Plan purchased by the Retiree which is the basis of this policy contract.\nb) Provided such death shall have occurred within Twelve months of the date of such Accident.\nBasic Cover:\nAccidental Death-Full Sum Insured","sources":[{"clause":"4.9","heading":"BENEFIT PAYABLE","page":3,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-pension-protect-personal-accident-policy-niapaip23064v012223/document/13532#c-4-9"}],"law":[]},{"key":"permanent_total_disability","label":"Permanent total disability","section":"Cover","meaning":"What is paid for permanent total disability.","status":"not-stated","value":null,"display":null,"note":"No permanent total disability benefit is stated.","quote":null,"sources":[],"law":[]},{"key":"permanent_partial_disability","label":"Permanent partial disability","section":"Cover","meaning":"The table of payouts for losing a limb, eye, hearing...","status":"not-stated","value":null,"display":null,"note":"No permanent partial disability payout table is stated.","quote":null,"sources":[],"law":[]},{"key":"temporary_total_disability","label":"Temporary total disability","section":"Cover","meaning":"Weekly income paid while you cannot work after an accident.","status":"not-stated","value":null,"display":null,"note":"No temporary total disability weekly income benefit is stated.","quote":null,"sources":[],"law":[]},{"key":"accident_medical","label":"Accident medical expenses","section":"Cover","meaning":"Treatment costs after an accident.","status":"not-stated","value":null,"display":null,"note":"No accident medical expense treatment-cost benefit is stated.","quote":null,"sources":[],"law":[]},{"key":"occupation_classes","label":"Occupation rules","section":"Eligibility","meaning":"Whether your job affects cover or premium.","status":"quote-verified","value":"The product is for retirees who are recipients of pension or annuity. The insured must give immediate notice of any change in status of the pensioner or source of income other than the pension.","display":"For retirees who are recipients of pension/annuity; notify change in status of the pensioner or source of income other than the pension","note":"No occupation class table is stated.","quote":"Retirees who are recipients of pension/annuity. ... The Insured shall give immediate notice to the Company of any change in status of the pensioner or source of income of the insured person, other than the pension.","sources":[{"clause":null,"heading":"Who are covered ?","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-pension-protect-personal-accident-policy-niapaip23064v012223/document/13540#c-who-are-covered"},{"clause":"7","heading":"RENEWAL","page":6,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-pension-protect-personal-accident-policy-niapaip23064v012223/document/13532#c-7"}],"law":[]}],"documents":[{"kind":"wording","label":"Pension Protect Personal Accident - Policy Clause","pages":12,"fetched_at":"2026-10-17 19:54:28+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/miscellaneous/newindia-pension-protect-personal-accident-policy/PENSION%20PROTECT%20PERSONAL%20ACCIDENT%20-POLICY%20CLAUSE.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/new-india-pension-protect-personal-accident-policy-niapaip23064v012223/document/13532"},{"kind":"prospectus","label":"Prospectus - New India Pension Protect","pages":3,"fetched_at":"2026-10-17 19:54:50+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/miscellaneous/newindia-pension-protect-personal-accident-policy/Prospectus-%20%20New%20India%20Pension%20Protect.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/new-india-pension-protect-personal-accident-policy-niapaip23064v012223/document/13540"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"New India Assurance official website","url":"https://www.newindia.co.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":"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.newindia.co.in/grievance","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"New India Pension Protect Personal Accident Policy (UIN NIAPAIP23064V012223), IndiaInsurances, https://indiainsurances.com/policy/new-india-assurance/new-india-pension-protect-personal-accident-policy-niapaip23064v012223"}