{"uin":"OICPAIP26048V012627","name":"ORIENTAL PERSONAL ACCIDENT PARIVAAR SURAKSHA POLICY- RETAIL","url":"https://indiainsurances.com/policy/oriental-insurance/oriental-personal-accident-parivaar-suraksha-policy-retail-oicpaip26048v012627","insurer":{"slug":"oriental-insurance","name":"The Oriental Insurance Company Limited","url":"https://indiainsurances.com/insurer/oriental-insurance"},"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 retail policy with Plan Premium and Plan Elite for families, with accidental death paying the Capital Sum Insured stated in the Schedule. It has in-built benefits such as PTD, PPD, broken bones, burns and coma, and optional covers including TTD weekly benefit, medical expenses, accident hospital cash, Loan Secure, EMI Protection, Elderly Care and Chauffeur Plan.","analysis":{"state":"machine","analysed_at":"2026-10-19 22:02:43.889843+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["PLAN PREMIUM","PLAN ELITE"],"display":"PLAN PREMIUM; PLAN ELITE","note":null,"quote":"PLAN PREMIUM | PLAN ELITE","sources":[{"clause":"II","heading":"TABLE OF BENEFITS","page":5,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-personal-accident-parivaar-suraksha-policy-retail-oicpaip26048v012627/document/13830#c-ii"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The documents only say the Period of Insurance is the duration shown in the Schedule; they do not state selectable policy terms.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Written notice with full particulars must be given immediately. In death cases, notice must be given before interment or cremation unless reasonable cause is shown and in any case within one calendar month after death; loss of sight or amputation must also be notified within one calendar month.","display":"Immediately; death before interment/cremation and within one calendar month; loss of sight or amputation within one calendar month","note":null,"quote":"Upon the happening of any event which may give rise to a claim under this Policy, written notice with full particulars must be given to us immediately. In case of death, written notice must, unless reasonable cause is shown, be so given before interment, cremation, and in any case within one calendar month after the death and in the event of loss of sight or amputation of limbs, written notice thereof must also be given within one calendar month after such loss of sight or amputation.","sources":[{"clause":"2","heading":"NOTICE OF CLAIM","page":25,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-personal-accident-parivaar-suraksha-policy-retail-oicpaip26048v012627/document/13830#c-2-4"}],"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":["satisfactory proof","all necessary documentation","post-mortem report, if requested by the Company","valid discharge by the Claimant"],"display":"Satisfactory proof, necessary documentation, post-mortem report if requested, and valid discharge","note":null,"quote":"The Insured Person / Claimant shall furnish to the Company satisfactory proof and all necessary documentation in support of any claim under this Policy. ... Any such post-mortem report, if requested by the Company, shall be submitted within fourteen (14) days from the date of such request. ... a) Submission of requisite documents as required by the Company ... c) Execution of a valid discharge by the Claimant","sources":[{"clause":"3","heading":"CLAIM SETTLEMENT AND CONTINUITY OF COVER","page":26,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-personal-accident-parivaar-suraksha-policy-retail-oicpaip26048v012627/document/13830#c-3-4"}],"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 documents state claims are subject to documents, verification, admissibility and discharge, but do not promise a settlement or payment time.","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 section of Death, Permanent Total Disablement, Permanent Partial Disablement, Temporary Total disablement in respect of the same period of disablement.","aggregate, the total liability of the insurer during any one Policy Period exceeds the Sum Insured specified in the Policy Schedule for the respective benefit.","Payment of weekly compensation until the total amount shall have been ascertained and agreed.","intentional self-injury, suicide or attempted suicide","whilst under the influence of intoxicating liquor or drugs","whilst engaging in hazardous or adventurous sports or Aviation or ballooning","veneral disease/s, or insanity","committing any breach of law with criminal intent","War, Invasion, Act of foreign enemy, Hostilities","ionizing radiations or contamination by radioactivity","Pregnancy Exclusion Clause"],"display":"Main exclusions include same-period multiple benefit compensation, aggregate liability above sum insured, weekly compensation before ascertainment, self-injury or suicide, intoxication, hazardous/adventurous sports and aviation restrictions, venereal disease or insanity, criminal breach of law, war risks, nuclear/radiation risks, and pregnancy/childbirth.","note":null,"quote":"Compensation under more than one section of Death, Permanent Total Disablement, Permanent Partial Disablement, Temporary Total disablement in respect of the same period of disablement. ... aggregate, the total liability of the insurer during any one Policy Period exceeds the Sum Insured specified in the Policy Schedule for the respective benefit. ... Payment of weekly compensation until the total amount shall have been ascertained and agreed. ... intentional self-injury, suicide or attempted suicide, (b) whilst under the influence of intoxicating liquor or drugs (c) whilst engaging in hazardous or adventurous sports or Aviation or ballooning ... directly or indirectly caused by veneral disease/s, or insanity, (e) arising or resulting from the insured committing any breach of law with criminal intent ... War, Invasion, Act of foreign enemy, Hostilities ... ionizing radiations or contamination by radioactivity ... Pregnancy Exclusion Clause: The Insurance under this Policy shall not extend to cover death or disablement resulting directly or indirectly caused by, contributed to or aggravated or prolonged by child-birth or from pregnancy or in consequence thereof.","sources":[{"clause":"1","heading":null,"page":23,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-personal-accident-parivaar-suraksha-policy-retail-oicpaip26048v012627/document/13830#c-1-3"},{"clause":"2","heading":"No benefit shall be payable in respect of more than one claim under this policy if, in the","page":23,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-personal-accident-parivaar-suraksha-policy-retail-oicpaip26048v012627/document/13830#c-2-3"},{"clause":"3","heading":"Payment of weekly compensation until the total amount shall have been ascertained and","page":23,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-personal-accident-parivaar-suraksha-policy-retail-oicpaip26048v012627/document/13830#c-3-3"},{"clause":"4","heading":"Payment of compensation in respect of Death, Injury or Disablement of the Insured (a) from","page":23,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-personal-accident-parivaar-suraksha-policy-retail-oicpaip26048v012627/document/13830#c-4-3"},{"clause":"5","heading":null,"page":23,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-personal-accident-parivaar-suraksha-policy-retail-oicpaip26048v012627/document/13830#c-5-3"},{"clause":"6","heading":null,"page":24,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-personal-accident-parivaar-suraksha-policy-retail-oicpaip26048v012627/document/13830#c-6-3"},{"clause":"7","heading":"Pregnancy Exclusion Clause","page":24,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-personal-accident-parivaar-suraksha-policy-retail-oicpaip26048v012627/document/13830#c-7-3"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"The insured may contact the company through its website, toll-free number, e-mail or Customer Service Department, or approach the grievance cell at any branch. If not satisfied through those methods, the insured may contact the grievance officer before approaching the Insurance Ombudsman.","display":"Contact Oriental by website, toll-free, e-mail, courier/customer service department or branch grievance cell; if not satisfied, contact the grievance officer.","note":null,"quote":"i) Website: www.orientalinsurance.org.in ... ii) Toll free:1800 11 8485 ... iii) E-mail: csd@orientalinsurance.co.in Courier: Customer Service department, Block 4, Plate A, NBCC Tower, Kidwai Nagar, New Delhi- 110023. Insured person may also approach the grievance cell at any of We’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.","sources":[{"clause":"19(i)","heading":"Website","page":30,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-personal-accident-parivaar-suraksha-policy-retail-oicpaip26048v012627/document/13830#c-19-i"},{"clause":"19(ii)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-personal-accident-parivaar-suraksha-policy-retail-oicpaip26048v012627/document/13830#c-19-ii"},{"clause":"19(iii)","heading":"E-mail","page":30,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-personal-accident-parivaar-suraksha-policy-retail-oicpaip26048v012627/document/13830#c-19-iii"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"not-stated","value":null,"display":null,"note":"The plan table states Capital Sum Insured is as per the Policy Schedule, but no selectable amounts are printed.","quote":null,"sources":[],"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 is a personal accident policy for accidental injury/death/disablement, not an illness indemnity policy with an initial illness waiting period.","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 personal accident policy does not provide illness cover subject to a pre-existing disease waiting period.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"not-applicable","value":null,"display":null,"note":"The product covers accidental events and does not use named illness/procedure waiting periods.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"not-applicable","value":null,"display":null,"note":"The product covers accidental events and has no list of illnesses or procedures with specific waiting periods.","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":"quote-verified","value":{"unit":"months","amount":60},"display":"sixty (60) continuous months","note":"Enhancement in Sum Insured has a separate 60 continuous months moratorium from the enhancement date.","quote":"Moratorium Period means a period of sixty (60) continuous months of uninterrupted coverage, after which no look-back provision shall apply to the Sum Insured under the initial Policy. Any enhancement in Sum Insured shall be subject to a separate moratorium of sixty (60) continuous months, commencing from the date of such enhancement.","sources":[{"clause":"34","heading":"Moratorium Period","page":4,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-personal-accident-parivaar-suraksha-policy-retail-oicpaip26048v012627/document/13830#c-34"}],"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":"The wording states migration to another similar product or plan offered by the Company, but does not state portability to another insurer.","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 says it is ordinarily renewable except on specified grounds, but does not state lifelong renewal or renewal for life.","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":"quote-verified","value":"No loading applies on renewals based on individual experience.","display":"No loading on renewals based on individual experience","note":null,"quote":"No loading shall apply on renewals based on individual experience","sources":[{"clause":"8","heading":"RENEWAL OF POLICY: The policy shall ordinarily be renewable except on grounds of","page":27,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-personal-accident-parivaar-suraksha-policy-retail-oicpaip26048v012627/document/13830#c-8-3"}],"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":["intentional self-injury, suicide or attempted suicide","whilst under the influence of intoxicating liquor or drugs","whilst engaging in hazardous or adventurous sports or Aviation or ballooning","aircraft other than as a passenger (fare paying or otherwise) in any duly licensed standard type of aircraft anywhere in the world","veneral disease/s, or insanity","committing any breach of law with criminal intent","War, Invasion, Act of foreign enemy, Hostilities","ionizing radiations or contamination by radioactivity","nuclear weapon material","death or disablement resulting directly or indirectly caused by, contributed to or aggravated or prolonged by child-birth or from pregnancy or in consequence thereof"],"display":"Permanent exclusions include self-injury or suicide, intoxication, hazardous/adventurous sports and aviation restrictions, venereal disease or insanity, criminal breach of law, war risks, nuclear/radiation risks, and pregnancy/childbirth.","note":null,"quote":"intentional self-injury, suicide or attempted suicide, (b) whilst under the influence of intoxicating liquor or drugs (c) whilst engaging in hazardous or adventurous sports or Aviation or ballooning or whilst mounting into, dismounting from or traveling in any aircraft other than as a passenger (fare paying or otherwise) in any duly licensed standard type of aircraft anywhere in the world, (d) directly or indirectly caused by veneral disease/s, or insanity, (e) arising or resulting from the insured committing any breach of law with criminal intent ... War, Invasion, Act of foreign enemy, Hostilities ... ionizing radiations or contamination by radioactivity ... nuclear weapon material ... death or disablement resulting directly or indirectly caused by, contributed to or aggravated or prolonged by child-birth or from pregnancy or in consequence thereof.","sources":[{"clause":"4","heading":"Payment of compensation in respect of Death, Injury or Disablement of the Insured (a) from","page":23,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-personal-accident-parivaar-suraksha-policy-retail-oicpaip26048v012627/document/13830#c-4-3"},{"clause":"5","heading":null,"page":23,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-personal-accident-parivaar-suraksha-policy-retail-oicpaip26048v012627/document/13830#c-5-3"},{"clause":"6","heading":null,"page":24,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-personal-accident-parivaar-suraksha-policy-retail-oicpaip26048v012627/document/13830#c-6-3"},{"clause":"7","heading":"Pregnancy Exclusion Clause","page":24,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-personal-accident-parivaar-suraksha-policy-retail-oicpaip26048v012627/document/13830#c-7-3"}],"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 retail policyholder may cancel anytime during the term by written notice. For annual policies the refund is proportionate premium for the unexpired policy period subject to no claim; for long-term policies issued for more than a year, unexpired policy year premium is refunded proportionately if no claim has been made in that policy year and risk coverage has not yet commenced.","display":"Proportionate premium for unexpired period, subject to no claim; long-term policies refund unexpired policy years proportionately if conditions are met","note":"The insurer may cancel on established fraud by giving 07 days' written notice.","quote":"The retail policyholder may cancel this Policy anytime during the term by giving' written notice. Refund by Insurer will be as under: 1) Proportionate premium for unexpired policy period, in case of Annual policies, subject to no claim having been made during the policy period. ... If long term policy issued for more than a year is cancelled, the Company shall refund the premium for the unexpired policy year(s) on proportionate basis, provided that no claim has been made in that policy year and risk coverage for that period has not yet commenced.","sources":[{"clause":"10","heading":"CANCELLATION AND PREMIUM REFUND CLAUSE","page":28,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-personal-accident-parivaar-suraksha-policy-retail-oicpaip26048v012627/document/13830#c-10-3"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"not-stated","value":null,"display":null,"note":"No overall geographic area of cover is stated. Some cover-specific clauses refer to India or anywhere in the world, but they do not state the territory for the whole policy.","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":30},"display":"30 days","note":"Applicable on new insurance policies and not on renewals; refund is subject to no claim and deductions stated in the policy.","quote":"the insured person shall be allowed a free look period of 30 days from the date of receipt of the Policy document to review the terms and conditions of the Policy and to return the same if not acceptable.","sources":[{"clause":"7","heading":"FREE-LOOK PERIOD: The free look period shall be applicable on new insurance policies and","page":27,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-personal-accident-parivaar-suraksha-policy-retail-oicpaip26048v012627/document/13830#c-7-4"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"thirty days","note":null,"quote":"a) The grace period of thirty days is available on the premium due date, to pay the renewal premium.","sources":[{"clause":"14","heading":"GRACE PERIOD FOR PAYMENT OF PREMIUM","page":29,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-personal-accident-parivaar-suraksha-policy-retail-oicpaip26048v012627/document/13830#c-14-3"}],"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":"Minimum entry age for the proposer is 18 years. Maximum age is up to 70 years for all members; children are covered up to 18 years or 25 years if attending full-time higher education, unmarried and financially dependent.","display":"Proposer minimum 18 years; maximum 70 years for all members; children up to 18 years or 25 years if full-time student, unmarried and financially dependent","note":null,"quote":"Minimum entry age for proposer shall be 18 years , Maximum Age shall be up to 70 years for all members, subject to fulfillment of other terms and conditions. ... Your children including adopted and step children upto the age of eighteen (18) years or twenty-five (25) years, if attending as a full-time student in an accredited Institution of Higher Learning) who are unmarried and are financially dependent on you.","sources":[{"clause":"14","heading":"Family","page":2,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-personal-accident-parivaar-suraksha-policy-retail-oicpaip26048v012627/document/13830#c-14"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"not-stated","value":null,"display":null,"note":"The wording says premium must be paid in advance, but does not state yearly, half-yearly, quarterly or monthly payment modes.","quote":null,"sources":[],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"quote-verified","value":["Temporary Total Disablement (TTD) or Weekly Benefit","MEDICAL EXPENSES (INCLUDING ACCIDENTAL IN- PATIENT HOSPITALIZATION )","Accident Hospital Cash","Loan Secure","EMI Protection","Elderly Care","Chauffeur Plan"],"display":"Temporary Total Disablement/Weekly Benefit; Medical Expenses including accidental in-patient hospitalization; Accident Hospital Cash; Loan Secure; EMI Protection; Elderly Care; Chauffeur Plan","note":"Loan Secure and EMI Protection are Plan Elite only according to the optional cover table.","quote":"Optional Covers are available subject to payment of Additional Premium. ... 1. TEMPORARY TOTAL DISABLEMENT (TTD) OR WEEKLY BENEFIT: ... 2. MEDICAL EXPENSES (INCLUDING ACCIDENTAL IN- PATIENT HOSPITALIZATION ): ... 3. ACCIDENT HOSPITAL CASH: ... 4. LOAN SECURE ... 5. EMI PROTECTION ... 6. ELDERLY CARE ... 7. CHAUFFEUR PLAN","sources":[{"clause":"17(vi)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-personal-accident-parivaar-suraksha-policy-retail-oicpaip26048v012627/document/13830#c-17-vi"},{"clause":null,"heading":"4. LOAN SECURE","page":21,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-personal-accident-parivaar-suraksha-policy-retail-oicpaip26048v012627/document/13830#c-4-loan-secure"},{"clause":null,"heading":"5. EMI PROTECTION","page":22,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-personal-accident-parivaar-suraksha-policy-retail-oicpaip26048v012627/document/13830#c-5-emi-protection"},{"clause":null,"heading":"6. ELDERLY CARE","page":23,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-personal-accident-parivaar-suraksha-policy-retail-oicpaip26048v012627/document/13830#c-6-elderly-care"},{"clause":null,"heading":"7. CHAUFFEUR PLAN","page":23,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-personal-accident-parivaar-suraksha-policy-retail-oicpaip26048v012627/document/13830#c-7-chauffeur-plan"}],"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. At renewal during the grace period, no coverage is provided until the policy is renewed and the renewal premium is paid.","display":"No coverage during grace period until renewal premium is paid","note":null,"quote":"Coverage is not available during the grace period ... At the time of renewal during grace period, no coverage shall be provided till the policy is renewed and renewal premium paid.","sources":[{"clause":"8","heading":"RENEWAL OF POLICY: The policy shall ordinarily be renewable except on grounds of","page":27,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-personal-accident-parivaar-suraksha-policy-retail-oicpaip26048v012627/document/13830#c-8-3"},{"clause":"14","heading":"GRACE PERIOD FOR PAYMENT OF PREMIUM","page":29,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-personal-accident-parivaar-suraksha-policy-retail-oicpaip26048v012627/document/13830#c-14-3"}],"law":[]},{"key":"accidental_death","label":"Accidental death","section":"Cover","meaning":"What is paid if an accident causes death.","status":"quote-verified","value":"If accidental bodily injury caused by external, violent and visible means during the policy period is the sole and direct cause of death within Twelve calendar months from the accident, the insurer pays the Capital Sum Insured stated in the Schedule. The cover terminates for that insured person after payment.","display":"Capital Sum Insured stated in the Schedule for accidental death within Twelve calendar months; cover terminates for that insured person after payment","note":null,"quote":"If at any time during the currency of this Policy, the Insured Person shall sustain any bodily injury resulting solely and directly from accident caused by external, violent and visible means during the policy period and is the sole and direct cause of death of insured person within Twelve calendar months from the date of the Accident, then We shall pay his nominee or his legal personal representative(s), as the case may be, the Capital Sum Insured (CSI) stated in the Schedule herein subject to terms and conditions of this policy. On payment of claim under this section the cover shall terminate for that Insured Person for whom the claim has been paid.","sources":[{"clause":"1","heading":"ACCIDENTAL DEATH: If at any time during the currency of this Policy, the Insured Person","page":7,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-personal-accident-parivaar-suraksha-policy-retail-oicpaip26048v012627/document/13830#c-1-2"}],"law":[]},{"key":"permanent_total_disability","label":"Permanent total disability","section":"Cover","meaning":"What is paid for permanent total disability.","status":"quote-verified","value":"Permanent Total Disablement pays up to 100% of CSI under Option I. Under Option II it pays up to 150% of CSI for Plan Premium and up to 200% of CSI for Plan Elite; the wording also states fifty percent (50%) of CSI for total and irrecoverable loss of sight of one eye or physical separation of one hand or one foot.","display":"Option I up to 100% of CSI; Option II up to 150% of CSI in Plan Premium or 200% of CSI in Plan Elite; 50% of CSI for loss of one eye, one hand or one foot","note":"The detailed PTD clause states the PTD injury must arise within Twelve calendar months of the accident.","quote":"2. | Permanent Total Disablement (PTD) | (a) Option I- Upto 100% of CSI (b) Option II- Upto 150% of CSI | a) Option I- Upto 100% of CSI b) Option II- Upto 200% of CSI ... If such injury shall within Twelve calendar months of its occurrence be the sole and direct cause of the total and irrecoverable functional loss of the sight of one eye, or of the actual loss by physical separation of one entire hand or of one entire foot, We shall pay fifty percent (50%) of the Capital Sum Insured stated in the schedule herein","sources":[{"clause":"Row 2","heading":"Permanent Total Disablement (PTD)","page":5,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-personal-accident-parivaar-suraksha-policy-retail-oicpaip26048v012627/document/13830#c-row-2"},{"clause":"2(b)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-personal-accident-parivaar-suraksha-policy-retail-oicpaip26048v012627/document/13830#c-2-b"}],"law":[]},{"key":"permanent_partial_disability","label":"Permanent partial disability","section":"Cover","meaning":"The table of payouts for losing a limb, eye, hearing...","status":"quote-verified","value":"Permanent Partial Disablement pays the table percentage of CSI, including loss of toes 20/5/2/1, loss of hearing both ears 50, one ear 15, four fingers and thumb of one hand 40, four fingers 35, thumb 25/10, index finger 10/8/4, middle finger 6/4/2, ring finger 5/4/2, little finger 4/3/2, metacarpals 3/2, and any other permanent partial disablement as assessed by the doctor.","display":"Pays the PPD table percentage of CSI, from 1% for certain toe losses up to 50% for loss of hearing both ears; any other PPD as assessed by the doctor","note":null,"quote":"If such injury shall within twelve calendar months of its occurrence be the sole and direct cause of the total and irrecoverable loss of use or of the actual loss by physical separation of the following, then the percentage of the capital Sum Insured as indicated below shall be payable subject to terms, conditions and exceptions of this policy : Percentage of Capital Sum Insured: LOSS | % OF CAPITAL SUM INSURED i) Loss of toes – all Both Great phalanges One Great phalanx Other than great, if more than one toe lost each | 20 5 2 1 ii) Loss of hearing both ears | 50 iii) Loss of hearing one ear | 15 iv) Loss of four fingers and thumb of one hand | 40 v) Loss of four fingers | 35 vi) Loss of thumb both phalanges -one phalanx | 25 10 vii) Loss of index finger -three phalanges -two phalanges -one phalanx | 10 8 4 viii) Loss of middle finger -three phalanges -two phalanges -one phalanx | 6 4 2 ix) Loss of ring finger -three phalanges -two phalanges -one phalanx | 5 4 2 x) Loss of little finger -three phalanges -two phalanges | 4 3 -one phalanx | 2 xi) Loss of metacarpals -first or second(additional) -third, fourth or fifth(additional) | 3 2 xii) Any other permanent-Partial disablement | As assessed by the doctor","sources":[{"clause":"3","heading":"PERMANENT PARTIAL DISABLEMENT: If such injury shall within twelve calendar months","page":8,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-personal-accident-parivaar-suraksha-policy-retail-oicpaip26048v012627/document/13830#c-3-2"}],"law":[]},{"key":"temporary_total_disability","label":"Temporary total disability","section":"Cover","meaning":"Weekly income paid while you cannot work after an accident.","status":"quote-verified","value":"Temporary Total Disablement or Weekly Benefit is an optional cover. It pays 1% of the opted TTD Sum Insured per week, with maximum TTD Sum Insured limited to 25% of CSI, for not more than 100 weeks; limits are Rs.20,000/Rs.5,000 per week in Plan Premium and Rs.50,000/Rs.10,000 per week in Plan Elite for earning insured/spouse and non-earning spouse respectively.","display":"Optional: 1% of opted TTD SI per week, max 100 weeks; TTD SI limited to 25% of CSI; Plan Premium max Rs.20,000/Rs.5,000 per week; Plan Elite max Rs.50,000/Rs.10,000 per week","note":"This is available only if bought for additional premium.","quote":"Optional Covers are available subject to payment of Additional Premium. 1. TEMPORARY TOTAL DISABLEMENT (TTD) OR WEEKLY BENEFIT: If such injury shall be the sole and direct cause of Temporary Total Disablement, then so long as the Insured shall be totally disabled from engaging in any employment or occupation of any description whatsoever, a sum at the rate of one percent (1%) of the Opted TTD Sum Insured, stated in the Schedule herein per week shall be payable . Maximum TTD SI is limited to 25% of CSI. Provided that the compensation payable under this section shall not be payable for more than 100 weeks in respect of any one accidental injury calculated from the date of commencement of disablement. PLAN PREMIUM | PLAN ELITE i) For Earning Insured / Spouse: 1% of opted TTD SI, up to Rs.20,000 per week for maximum 100 weeks. ii)For Non-Earning Spouse: 1% of Opted TTD SI, up to Rs.5,000 per week for maximum 100 weeks | i)For Earning Insured / Spouse: 1% of Opted TTD SI, up to Rs. 50,000 per week for Maximum 100 weeks ii) For Non-Earning Spouse: 1% of Opted TTD SI, up to Rs.10,000 per week for maximum 100 weeks","sources":[{"clause":"17(vi)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-personal-accident-parivaar-suraksha-policy-retail-oicpaip26048v012627/document/13830#c-17-vi"}],"law":[]},{"key":"accident_medical","label":"Accident medical expenses","section":"Cover","meaning":"Treatment costs after an accident.","status":"quote-verified","value":"Medical Expenses including accidental in-patient hospitalization is an optional cover. It may extend to reasonable and customary medical expenses caused solely and directly by accidental bodily injury; Plan Premium limit is 10% of CSI or actuals or 40% of admissible claim under benefits 1 to 6, whichever is less, and Plan Elite limit is 10% of CSI or actuals or 100% of admissible claim under benefits 1 to 6, whichever is less.","display":"Optional: accident medical expenses including accidental in-patient hospitalization; Plan Premium 10% CSI or actuals or 40% of admissible claim under benefits 1 to 6, whichever is less; Plan Elite 10% CSI or actuals or 100% of admissible claim under benefits 1 to 6, whichever is less","note":"This is available only if bought for additional premium; restoration of Medical Expenses Sum Insured is once in Plan Premium and twice in Plan Elite if fully utilized, subject to conditions.","quote":"2. | MEDICAL EXPENSES (INCLUDING ACCIDENTAL IN- PATIENT HOSPITALIZATION ) | 10% of CSI or actuals or 40% of admissible claim under benefit 1 to 6 under this Table of Benefits excluding any additional benefit payable under the policy, whichever is less | 10% of CSI or actuals or 100% of admissible claim amount under benefit 1 to 6 under this Table of Benefits excluding any additional benefit payable under the policy, whichever is less ... This cover may be extended to cover Reasonable and Customary medical expenses incurred for medical treatment necessitated solely and directly by an Accidental Bodily Injury admissible under this Policy, including accidental in-patient hospitalisation expenses, subject to the applicable limits specified in the Policy Schedule.","sources":[{"clause":null,"heading":"INBUILT COVERAGE OPTIONAL COVERAGE","page":6,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-personal-accident-parivaar-suraksha-policy-retail-oicpaip26048v012627/document/13830#c-inbuilt-coverage-optional-coverage"},{"clause":"17(vi)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-personal-accident-parivaar-suraksha-policy-retail-oicpaip26048v012627/document/13830#c-17-vi"}],"law":[]},{"key":"occupation_classes","label":"Occupation rules","section":"Eligibility","meaning":"Whether your job affects cover or premium.","status":"quote-verified","value":"The insured must give immediate notice to the insurer of any change in business or occupation. For TTD/weekly benefit, gainful income is relevant because the insurer will not pay above the insured person's base weekly gainful income at policy inception.","display":"Immediate notice required for any change in business or occupation; TTD weekly benefit cannot exceed base weekly Gainful Income at inception","note":"No separate occupation class table or premium class is printed in the provided documents.","quote":"The insured shall give immediate notice to us for any change in his business or occupation. ... We will not pay any amount in excess of the Insured Person’s base weekly Gainful Income (at the time of inception of the policy) excluding overtime, bonuses, tips, commissions, or any other special compensation or maximum limit as specified in Policy Schedule for this section.","sources":[{"clause":"5","heading":"DUTY OF DISCLOSURE","page":27,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-personal-accident-parivaar-suraksha-policy-retail-oicpaip26048v012627/document/13830#c-5-4"},{"clause":"17(vi)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-personal-accident-parivaar-suraksha-policy-retail-oicpaip26048v012627/document/13830#c-17-vi"}],"law":[]}],"documents":[{"kind":"wording","label":"ORIENTAL PERSONAL ACCIDENT PARIVAAR SURAKSHA POLICY -POLICY WORDINGS.pdf","pages":33,"fetched_at":"2026-10-17 19:55:11+00","source_url":"https://oicl-cms-media.s3.ap-south-1.amazonaws.com/ORIENTAL_PERSONAL_ACCIDENT_PARIVAAR_SURAKSHA_POLICY_POLICY_WORDINGS_6acc09c56a.pdf","url":"https://indiainsurances.com/policy/oriental-insurance/oriental-personal-accident-parivaar-suraksha-policy-retail-oicpaip26048v012627/document/13830"},{"kind":"prospectus","label":"2. ORIENTAL PERSONAL ACCIDENT PARIVAAR SURAKSHA POLICY - Prospectus.pdf","pages":4,"fetched_at":"2026-10-17 19:54:30+00","source_url":"https://oicl-cms-media.s3.ap-south-1.amazonaws.com/2_ORIENTAL_PERSONAL_ACCIDENT_PARIVAAR_SURAKSHA_POLICY_Prospectus_e96b9a43f9.pdf","url":"https://indiainsurances.com/policy/oriental-insurance/oriental-personal-accident-parivaar-suraksha-policy-retail-oicpaip26048v012627/document/13801"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Oriental Insurance official website","url":"https://www.orientalinsurance.org.in/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claim forms","url":"https://www.orientalinsurance.org.in/claim-form","note":null},{"purpose":"claim","kind":"insurer","name":"Health claim status","url":"https://www.orientalinsurance.org.in/health-claim-status","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://www.orientalinsurance.org.in/grievance-redressal","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"ORIENTAL PERSONAL ACCIDENT PARIVAAR SURAKSHA POLICY- RETAIL (UIN OICPAIP26048V012627), IndiaInsurances, https://indiainsurances.com/policy/oriental-insurance/oriental-personal-accident-parivaar-suraksha-policy-retail-oicpaip26048v012627"}