{"uin":"NIATIDP13025V011213","name":"Rasta Apatti Kavach Policy","url":"https://indiainsurances.com/policy/new-india-assurance/rasta-apatti-kavach-policy-niatidp13025v011213","insurer":{"slug":"new-india-assurance","name":"The New India Assurance Company Limited","url":"https://indiainsurances.com/insurer/new-india-assurance"},"line":"general","category":"personal-accident","category_name":"Personal accident","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Rasta Apatti Kavach Policy covers employees or members, including passengers and third parties if named in the schedule, for personal accident benefits and hospitalisation expenses arising from road accidents. The policy period is 12 months each and the period of insurance can run up to maximum five years.","analysis":{"state":"machine","analysed_at":"2026-10-20 05:38:52.825553+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 wording describes sections and optional endorsements, but no named 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":"Policy period is a period of 12 months each from inception; the period of insurance commences from inception till completion of maximum five years or as the case may be.","display":"12 months each; maximum five years or as the case may be","note":null,"quote":"7. PERIOD OF INSURANCE : The period of insurance means the period commencing from the inception date till the completion of maximum five years or as the case may be.\n8. POLICY PERIOD : Policy period is defined as “a period of 12 months each commencing from the date of inception from which the risk is assumed”.","sources":[{"clause":null,"heading":"INJURY SERIES CLAUSE","page":2,"url":"https://indiainsurances.com/policy/new-india-assurance/rasta-apatti-kavach-policy-niatidp13025v011213/document/13584#c-injury-series-clause"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"The insured must give notice forthwith to the Company and, unless reasonable cause is shown, give written notice with full particulars within one calendar month after the event. For a Section II road-accident claim, a complaint must be lodged forthwith with the nearest police station, or as soon as possible and within reasonable time if immediate reporting is not practicable.","display":"Forthwith; written notice within one calendar month unless reasonable cause is shown","note":null,"quote":"Upon the happening of any event which may give rise to a claim under this policy the Insured shall forthwith give notice thereof to the Company, Unless reasonable cause is shown, the insured should within one calendar month after the event which may give rise to a claim under the policy, give written notice to the Company with full particulars of the claim. ... In the event of a claim admissible under section II of the policy because of a road accident, lodge forthwith a complaint to the nearest police station, unless it is not practicable to do so on account of reasons beyond his/her control in which case a report to the police station having jurisdiction, to be sent as soon as possible and in any case within reasonable time","sources":[{"clause":null,"heading":"CONDITIONS","page":2,"url":"https://indiainsurances.com/policy/new-india-assurance/rasta-apatti-kavach-policy-niatidp13025v011213/document/13584#c-conditions"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["claim forms","Attested copy of the F.I.R./Panchanama","News paper cuttings (if applicable)","Photographs if any","A certificate from the attending Surgeon/Physician giving complete details of injury in extent of loss of use of organs etc.","The post mortem report","Death certificate","Surrendering of Insurance Certificate or policy","The original hospitalisation/nursing home bills, receipts, cash memos, prescriptions, ‘X’ ray, pathological reports","A certificate from the attending physician stating nature or extent of injury","Any additional information and assistance as the Company may require"],"display":"Claim forms, FIR/Panchanama, medical certificates, death/PTD documents, and hospital bills/receipts as applicable","note":null,"quote":"In the event of claim being admissible the Insured has to submit claim forms and other documents as listed below. In case of claims arising due to road accidents :\na) Attested copy of the F.I.R./Panchanama\nb) News paper cuttings (if applicable)\nc) Photographs if any\nd) A certificate from the attending Surgeon/Physician giving complete details of injury in extent of loss of use of organs etc. ... In case death/PTD claims of personal accident : ... a) The post mortem report ... b) Death certificate ... c) Surrendering of Insurance Certificate or policy In case of total permanent, partial disability claims like loss of eyes, loss of limbs etc. A) A certificate from the attending Surgeon/Physician giving complete details of injury in extent of loss of use of organs etc. Section - II covering hospitalisation expenses arising out of road accident. A) The original hospitalisation/nursing home bills, receipts, cash memos, prescriptions, ‘X’ ray, pathological reports. B) A certificate from the attending physician stating nature or extent of injury. C) Any additional information and assistance as the Company may require.","sources":[{"clause":null,"heading":"CONDITIONS","page":2,"url":"https://indiainsurances.com/policy/new-india-assurance/rasta-apatti-kavach-policy-niatidp13025v011213/document/13584#c-conditions"},{"clause":"Section I","heading":null,"page":2,"url":"https://indiainsurances.com/policy/new-india-assurance/rasta-apatti-kavach-policy-niatidp13025v011213/document/13584#c-section-i-2"},{"clause":"Section I(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/new-india-assurance/rasta-apatti-kavach-policy-niatidp13025v011213/document/13584#c-section-i-a-2"},{"clause":"Section I(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/new-india-assurance/rasta-apatti-kavach-policy-niatidp13025v011213/document/13584#c-section-i-b-2"},{"clause":"Section I(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/new-india-assurance/rasta-apatti-kavach-policy-niatidp13025v011213/document/13584#c-section-i-c-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":"not-stated","value":null,"display":null,"note":"The wording does not state a time within which a claim will be decided or paid.","quote":null,"sources":[],"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":["Compensation under more than one of the sub-clauses (a), (b), (c) or (d) of Section I in respect of same injury or disablement","injury or disablement directly or indirectly arising out of or contributed to by any pre-existing condition","intentional self injury, suicide or attempted suicide","whilst under the influence of intoxicating liquor or drug","directly or indirectly caused by insanity","arising or resulting from the insured committing any breach of the law with criminal intent","war, invasion, act of foreign enemy, hostilities","ionising radiation or contamination by radioactivity","accident (not caused by or arising out of the use of a motor vehicle)/other than road accident","Expenses on vitamins and tonics unless forming part of treatment for injury as certified by the attending Physician","Naturopathy treatment","fraudulent or supported by any fraudulent statement or device","mis-representations, mis-descriptions or non-disclosure of any material facts/particulars"],"display":"Pre-existing condition, self-injury/suicide, intoxication, insanity, criminal breach of law, war, nuclear/radiation, non-road accident medical expenses, vitamins/tonics except certified treatment, naturopathy, fraud and misrepresentation","note":null,"quote":"1. Compensation under more than one of the sub-clauses\n(a), (b), (c) or (d) of Section I in respect of same injury or disablement.\n2. Payment of compensation in respect of injury or disablement directly or indirectly arising out of or contributed to by any pre-existing condition.\n3. Payment of compensation in respect of death, injury or disablement of the Insured from (a) intentional self injury, suicide or attempted suicide,(b) whilst under the influence of intoxicating liquor or drug (c) directly or indirectly caused by insanity(d) arising or resulting from the insured committing any breach of the law with criminal intent. ... war, invasion, act of foreign enemy, hostilities (whether war be declared or\nnot) ... ionising radiation or contamination by radioactivity from any source whatsoever, or from nuclear weapons material. Any hospitalisation/domiciliary hospitalisation incurred on bodily injury resulting directly or indirectly, proximately or remotely from accident (not caused by or arising out of the use of a motor vehicle)/other than road accident as defined in this policy. Expenses on vitamins and tonics unless forming part of treatment for injury as certified by the attending Physician. Naturopathy treatment. ... if such claim be in any manner fraudulent or supported by any fraudulent statement or device whether by the Insured or by any person on behalf of the Insured. ... in the event of mis-representations, mis-descriptions or non-disclosure of any material facts/particulars.","sources":[{"clause":null,"heading":"PROVISOS","page":2,"url":"https://indiainsurances.com/policy/new-india-assurance/rasta-apatti-kavach-policy-niatidp13025v011213/document/13584#c-provisos"},{"clause":"7","heading":"The Company shall not be liable to make any payment under","page":3,"url":"https://indiainsurances.com/policy/new-india-assurance/rasta-apatti-kavach-policy-niatidp13025v011213/document/13584#c-7"},{"clause":"8","heading":"Mis description :- This policy shall be void and all premium","page":3,"url":"https://indiainsurances.com/policy/new-india-assurance/rasta-apatti-kavach-policy-niatidp13025v011213/document/13584#c-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":"not-stated","value":null,"display":null,"note":"The document lists Insurance Ombudsman offices, but does not state who to complain to first within the insurer before going to the Ombudsman.","quote":null,"sources":[],"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":["bodily injury resulting solely and directly from Accident caused by outward, violent and visible means","death","total and irrecoverable loss of sight of both eyes or total and irrecoverable loss of use of two hands or two feet or of one hand and one foot","total and irrecoverable loss of sight of one eye or total and irrecoverable loss of use of a hand or a foot","permanently, totally and absolutely disabling the insured","Medical Expenses for bodily injury caused by and arising out of road accident"],"display":"Personal accident benefits and medical expenses for bodily injury arising out of road accident","note":null,"quote":"If the Insured / Insured Person shall sustain any bodily injury resulting solely and directly from Accident caused by outward, violent and visible means then the Company shall pay to the Insured the sum hereinafter set forth ... If such Injury shall within twelve Calendar months of its occurrence be the sole and direct cause of the death of the insured person ... total and irrecoverable loss of sight of both eyes or total and irrecoverable loss of use of two hands or two feet or of one hand and one foot ... total and irrecoverable loss of sight of one eye or total and irrecoverable loss of use of a hand or a foot ... permanently, totally and absolutely disabling the insured ... Section II Medical Expenses for bodily injury caused by and arising\nout of road accident.","sources":[{"clause":"Section I","heading":"PERSONAL ACCIDENT","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/rasta-apatti-kavach-policy-niatidp13025v011213/document/13584#c-section-i"},{"clause":"Section I(a)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/rasta-apatti-kavach-policy-niatidp13025v011213/document/13584#c-section-i-a"},{"clause":"Section I(b)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/rasta-apatti-kavach-policy-niatidp13025v011213/document/13584#c-section-i-b"},{"clause":"Section I(c)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/rasta-apatti-kavach-policy-niatidp13025v011213/document/13584#c-section-i-c"},{"clause":"Section I(d)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/rasta-apatti-kavach-policy-niatidp13025v011213/document/13584#c-section-i-d"},{"clause":"Section II","heading":"Medical Expenses for bodily injury caused by and arising","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/rasta-apatti-kavach-policy-niatidp13025v011213/document/13584#c-section-ii"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"not-stated","value":null,"display":null,"note":"The wording states indemnity limits and sum insured restrictions, but does not state a deductible or excess amount for each claim.","quote":null,"sources":[],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The insured may cancel at any time; the Company refunds premium at its short period rate only, provided no claim has occurred up to the date of cancellation. For an annual policy, premium charged is 1/4th of the annual rate up to one month, 1/2 up to three months, 3/4th up to six months, and full annual rate if exceeding six months.","display":"Short period refund if no claim: up to 1 month 1/4th annual rate; up to 3 months 1/2; up to 6 months 3/4th; exceeding 6 months full annual rate","note":null,"quote":"The Insured may at any time cancel this Policy and in such event the Company shall allow refund of premium at Company ‘s short period rate only (table given herebelow) provided no claim has occurred up to the date of cancellation. (For Annual Policy)\nPERIOD ON RISK | RATE OF PREMIUM ... Upto one month | 1/4th of the annual rate\nUpto three months | 1/2 of the annual rate\nUpto six months | 3/4th of the annual rate\nExceeding six months | Full annual rate","sources":[{"clause":"10","heading":null,"page":3,"url":"https://indiainsurances.com/policy/new-india-assurance/rasta-apatti-kavach-policy-niatidp13025v011213/document/13584#c-10"},{"clause":null,"heading":"TO BE CHARGED","page":3,"url":"https://indiainsurances.com/policy/new-india-assurance/rasta-apatti-kavach-policy-niatidp13025v011213/document/13584#c-to-be-charged"}],"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":"Medical and surgical treatments under the policy have to be taken in India, and admissible claims are payable in Indian currency.","display":"Medical/surgical treatment in India; claims payable in Indian currency","note":"The wording states India for medical/surgical treatment; it does not state a separate territory for Section I personal accident benefits.","quote":"to incur hospitalisation expenses for medical/surgical treatment at any nursing home/hospital in India as herein defined ... be taken in India and admissible claims thereof shall be payable in Indian currency.","sources":[{"clause":"Section II","heading":"Medical Expenses for bodily injury caused by and arising","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/rasta-apatti-kavach-policy-niatidp13025v011213/document/13584#c-section-ii"},{"clause":"11","heading":"All medical/surgical treatments under this policy shall have to","page":3,"url":"https://indiainsurances.com/policy/new-india-assurance/rasta-apatti-kavach-policy-niatidp13025v011213/document/13584#c-11"}],"law":[]},{"key":"accidental_death","label":"Accidental death","section":"Cover","meaning":"What is paid if an accident causes death.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":null,"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":null,"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":null,"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":null,"quote":null,"sources":[],"law":[]},{"key":"occupation_classes","label":"Occupation rules","section":"Eligibility","meaning":"Whether your job affects cover or premium.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Policy Document","pages":4,"fetched_at":"2026-10-17 19:56:31+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/miscellaneous/rasta-apatti/Rasta%20Apatti%20Kavach%20Policy%20%281%29.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/rasta-apatti-kavach-policy-niatidp13025v011213/document/13584"}],"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":"Rasta Apatti Kavach Policy (UIN NIATIDP13025V011213), IndiaInsurances, https://indiainsurances.com/policy/new-india-assurance/rasta-apatti-kavach-policy-niatidp13025v011213"}