{"uin":"RELPAIP25035V022425","name":"IndusInd Personal Accident 360Shield Policy","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-personal-accident-360shield-policy-relpaip25035v022425","insurer":{"slug":"indusind-general-insurance","name":"IndusInd General Insurance Company Limited","url":"https://indiainsurances.com/insurer/indusind-general-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 policy with at least one of Accidental Death, Permanent Total Disablement or Permanent Partial Disablement chosen as the base cover. It has no waiting period, covers base covers worldwide, and offers optional accident hospitalisation, OPD, daily cash, travel, family and personal shield covers.","analysis":{"state":"machine","analysed_at":"2026-10-19 20:49:50.311726+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":["ShieldPro","ShieldPlus","ShieldMax","ShieldPrime"],"display":"ShieldPro, ShieldPlus, ShieldMax, ShieldPrime","note":"From the sales brochure. The CIS and brochure also refer to Table A, Table B and Table C as benefit tables.","quote":"Cover Name | Plans Curated for You ShieldPro ShieldPlus ShieldMax ShieldPrime","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-personal-accident-360shield-policy-relpaip25035v022425/document/9573#c-s1"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"The policy can be bought for 1 year, 2 years or 3 years.","display":"1 year, 2 years or 3 years","note":null,"quote":"The Policy can be purchased for 1 year, 2 years or 3 years.","sources":[{"clause":"Section 3","heading":"POLICY PERIOD","page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-personal-accident-360shield-policy-relpaip25035v022425/document/9639#c-section-3"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Intimation of an event that may give rise to a claim must be given within 30 days of its happening. Emergency hospitalisation must be informed within 24 hours of admission, and benefit claims must be submitted not later than one month after completion of treatment or after transportation of mortal remains or burial in death cases.","display":"Within 30 days; emergency hospitalisation within 24 hours; claim submission within 1 month after treatment or death-related transportation/burial","note":"The policy says the company may examine and relax the time limits depending on the merits of the case.","quote":"Intimation about an event or occurrence that may give rise to a claim under this policy must be given within 30 days of its happening. ... Claims for insurance benefits must be submitted to the Company not later than one (1) month after the completion of the treatment or after transportation of the mortal remains/ burial in the event of Death. ... If any treatment for which a claim may be made is to be taken and that treatment requires Hospitalisation in an Emergency, the Company shall be informed within 24 hours of the admission of the Insured Person in Hospital.","sources":[{"clause":"11(b)(i)","heading":null,"page":34,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-personal-accident-360shield-policy-relpaip25035v022425/document/9651#c-11-b-i-3"},{"clause":"11(b)(ii)","heading":null,"page":34,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-personal-accident-360shield-policy-relpaip25035v022425/document/9651#c-11-b-ii-3"},{"clause":"11(b)(iii)","heading":null,"page":34,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-personal-accident-360shield-policy-relpaip25035v022425/document/9651#c-11-b-iii-3"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Duly completed and signed Claim Form, in original","Photo Identity Proof of the Insured Person like Aadhar / PAN","Copy of Medical/Medico Legal Certificate (wherever it is required as per the circumstance of the Accident) duly attested by the concerned Hospital","Any other medical, investigation reports, inpatient or consultation treatment papers, as applicable","Cancelled cheque/NEFT details"],"display":"Claim form, identity proof, medical/medico-legal certificate where required, medical/investigation/treatment papers, and cancelled cheque/NEFT details","note":"Cover-specific additional documents are listed separately in the policy wording.","quote":"Following are the basic documents required for All Claims:\n• Duly completed and signed Claim Form, in original\n• Photo Identity Proof of the Insured Person like Aadhar / PAN\n• Copy of Medical/Medico Legal Certificate (wherever it is required as per the circumstance of the Accident) duly attested by the concerned Hospital\n• Any other medical, investigation reports, inpatient or consultation treatment papers, as applicable\n• Cancelled cheque/NEFT details","sources":[{"clause":null,"heading":"7.1.2. DOCUMENTS TO BE SUBMITTED","page":34,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-personal-accident-360shield-policy-relpaip25035v022425/document/9651#c-7-1-2-documents-to-be-submitted"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The company must settle or reject a claim within 30 days from receipt of the last necessary document. If investigation is needed, it must complete investigation within 30 days and settle or reject within 45 days from receipt of the last necessary document; delay attracts interest at 2% above bank rate.","display":"30 days from last necessary document; 45 days if investigated, with interest at 2% above bank rate for delay","note":null,"quote":"The Company shall settle or reject a Claim, as the case may be, within 30 days from the date of receipt of last necessary document. ... where the circumstances of a claim warrant an investigation in the opinion of the Company, it shall initiate and complete such investigation at the earliest, in any case not later than 30 days from the date of receipt of last necessary document. In such cases, the Company shall settle or reject the claim within 45 days from the date of receipt of last necessary document. ... In case of delay beyond stipulated 45 days, the Company shall be liable to pay interest to the policyholder at a rate 2% above the bank rate from the date of receipt of last necessary document to the date of payment of claim.","sources":[{"clause":null,"heading":"7.1.4. CLAIM SETTLEMENT (PROVISION FOR PENAL INTEREST)","page":38,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-personal-accident-360shield-policy-relpaip25035v022425/document/9651#c-7-1-4-claim-settlement-provision-for-penal-inter"},{"clause":"11(c)(iv)","heading":null,"page":38,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-personal-accident-360shield-policy-relpaip25035v022425/document/9651#c-11-c-iv"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Any Pre-Existing injury or physical condition","War (whether declared or not) and war like occurrence or invasion","intentional self-injury unless in self-defense or to save life, suicide or attempted suicide","under the influence of intoxicating liquor or drugs or other intoxicants","engaging in aviation or ballooning","committing any breach of law with criminal intent","Viral or Bacterial Infections (Except pyogenic infection which occurs through an Accidental cut or wound), Hernia","Persons serving in any branch of the Military, Navy or Air-force or any branch of Armed Forces or any paramilitary forces except during peace time","working in/with mines, tunneling or explosives or involving electrical installation with high tension supply","participation as a professional in hazardous or adventure sports","Ionizing radiation or contamination by radioactivity","pregnancy or child-birth, unless agreed by the Company","Illness or Injury resulting due to participation in one’s occupation","countries or areas which, prior to the time of travel, are against the recommendation or advice of the appropriate governmental authority"],"display":"Pre-existing injury/physical condition; war; self-injury or suicide; intoxication; aviation/ballooning; criminal breach of law; viral/bacterial infections and hernia; armed forces except peacetime; specified hazardous occupations; professional hazardous/adventure sports; radiation/nuclear risks; pregnancy/child-birth unless agreed; occupational injury/illness; travel against government advice","note":null,"quote":"Any Pre-Existing injury or physical condition ... directly or indirectly due to War (whether declared or not) and war like occurrence or invasion ... From intentional self-injury unless in self-defense or to save life, suicide or attempted suicide; ... Whilst under the influence of intoxicating liquor or drugs or other intoxicants except where the insured is not directly responsible for the injury/accident through under influence of intoxication; ... Whilst engaging in aviation or ballooning ... Arising or resulting from the Insured Person committing any breach of law with criminal intent. ... Any claim related to Viral or Bacterial Infections (Except pyogenic infection which occurs through an Accidental cut or wound), Hernia. ... Persons serving in any branch of the Military, Navy or Air-force or any branch of Armed Forces or any paramilitary forces except during peace time. ... Insured Person working in/with mines, tunneling or explosives or involving electrical installation with high tension supply ... from participation as a professional in hazardous or adventure sports ... Ionizing radiation or contamination by radioactivity ... Any loss Resulting from pregnancy or child-birth, unless agreed by the Company. ... Expenses incurred in connection with Illness or Injury resulting due to participation in one’s occupation. ... Insured Person is not covered while visiting countries or areas which, prior to the time of travel, are against the recommendation or advice of the appropriate governmental authority of India or of the country of travel.","sources":[{"clause":null,"heading":"5. SPECIFIC EXCLUSIONS (APPLICABLE TO ALL THE BENEFITS)","page":26,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-personal-accident-360shield-policy-relpaip25035v022425/document/9651#c-5-specific-exclusions-applicable-to-all-the-bene"},{"clause":"11(e)(i)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-personal-accident-360shield-policy-relpaip25035v022425/document/9651#c-11-e-i"},{"clause":"11(e)(ii)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-personal-accident-360shield-policy-relpaip25035v022425/document/9651#c-11-e-ii"},{"clause":"11(e)(iii)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-personal-accident-360shield-policy-relpaip25035v022425/document/9651#c-11-e-iii"},{"clause":"11(e)(iv)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-personal-accident-360shield-policy-relpaip25035v022425/document/9651#c-11-e-iv"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact IndusInd General Insurance through its website, e-mail, telephone, post/courier or branch grievance cell. If not satisfied, contact the Grievance Redressal Officer at The Grievance Cell, IndusInd General Insurance Co. Limited, Hyderabad, or headgrievances@indusindinsurance.com before approaching Bima Bharosa or the Insurance Ombudsman.","display":"Company grievance channels first; then Grievance Redressal Officer at headgrievances@indusindinsurance.com","note":null,"quote":"If the Policyholder has a grievance that the Policyholder wishes the Company to redress, the Policyholder may contact the Company with the details of his grievance through: ... If Insured person is not satisfied with the redressal of grievance through one of the above methods, insured person may contact the grievance officer at:\nGrievance Redressal Officer The Grievance Cell, IndusInd General Insurance Co. Limited No. 1-89/3/B/40 to 42/ks/301, 3rd floor, Krishe Block, Krishe Sapphire, Madhapur Hyderabad – 500 081 Grievance Redressal officer email ID: headgrievances@indusindinsurance.com","sources":[{"clause":null,"heading":"7.3. GRIEVANCES","page":39,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-personal-accident-360shield-policy-relpaip25035v022425/document/9651#c-7-3-grievances"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"quote-verified","value":"From the sales brochure, the base sum insured options are Rs 5 Lakh, Rs 10 Lakh, Rs 25 Lakh, Rs 50 Lakh, Rs 1 Crore, Rs 2 Crores, Rs 5 Crores, Rs 10 Crores, Rs 15 Crores, Rs 20 Crores and Rs 25 Crores. The prospectus states the minimum Sum Insured is 5 lakh.","display":"Rs 5 Lakh to Rs 25 Crores","note":"The detailed option list is from the lower-priority sales brochure.","quote":"The minimum Sum Insured under the product is 5 lakh. ... Base Sum Insured (₹) 5 Lakh | 10 Lakh | 25 Lakh | 50 Lakh | 1 Crore | 2 Crores | 5 Crores | 10 Crores | 15 Crores | 20 Crores | 25 Crores","sources":[{"clause":"Section 2","heading":"SUM INSURED","page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-personal-accident-360shield-policy-relpaip25035v022425/document/9639#c-section-2"},{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-personal-accident-360shield-policy-relpaip25035v022425/document/9573#c-s1"}],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"quote-verified","value":{"unit":"days","amount":0},"display":"No waiting period","note":null,"quote":"There is no Waiting Period under this Policy.","sources":[{"clause":"Section 5","heading":"WAITING PERIOD","page":6,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-personal-accident-360shield-policy-relpaip25035v022425/document/9639#c-section-5"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"not-applicable","value":null,"display":null,"note":"This is a personal accident policy for accidental injuries; it excludes pre-existing injury or physical condition instead of covering pre-existing disease after a waiting period.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"quote-verified","value":{"unit":"months","amount":0},"display":"No waiting period","note":null,"quote":"There is no Waiting Period under this Policy.","sources":[{"clause":"Section 5","heading":"WAITING PERIOD","page":6,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-personal-accident-360shield-policy-relpaip25035v022425/document/9639#c-section-5"}],"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-stated","value":null,"display":null,"note":null,"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 continuous months","note":"For enhanced sums insured, sixty continuous months applies from the date of enhancement only on the enhanced limits.","quote":"After completion of sixty continuous months of coverage (including portability and migration) in health insurance policy, no policy and claim shall be contestable by the insurer on grounds of non-disclosure, misrepresentation, except on grounds of established fraud. This period of sixty continuous months is called as moratorium period.","sources":[{"clause":null,"heading":"6.27. MORATORIUM PERIOD","page":34,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-personal-accident-360shield-policy-relpaip25035v022425/document/9651#c-6-27-moratorium-period"}],"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":"quote-verified","value":"The insured person may port the policy to other insurers by applying at least 45 days before, but not earlier than 60 days from, the renewal date. If continuously covered without lapses under an Indian general or health insurer, accrued continuity benefits in waiting periods are available as per IRDAI portability guidelines.","display":"Allowed; apply 45 to 60 days before renewal with continuity benefits as per IRDAI guidelines","note":"The same clause says accrued continuity benefits in Waiting Periods are available if the person has been continuously covered without lapses under a health insurance policy with an Indian General/Health insurer.","quote":"The Insured Person will have the option to port the Policy to other insurers by applying to such insurer to port the entire Policy along with all the members of the family, if any, at least 45 days before, but not earlier than 60 days from the Policy renewal date as per lRDAl guidelines related to portability.","sources":[{"clause":null,"heading":"6.21. PORTABILITY","page":33,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-personal-accident-360shield-policy-relpaip25035v022425/document/9651#c-6-21-portability"}],"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":"quote-verified","value":true,"display":"Yes, no maximum cover ceasing age on continuous renewals","note":"Renewal is not permitted for an insured after admissible claim and settlement of 100% Sum Insured under Death or 200% Sum Insured under Permanent Total Disablement.","quote":"There is no maximum cover ceasing age on continuous renewals. ... The cover for the Insured shall terminate immediately in the event of admissible claim and settlement of 100% Sum Insured under Coverage Death or 200% Sum Insured under Permanent Total Disablement and no Renewal of contract will be permissible.","sources":[{"clause":"Section 1","heading":"ELIGIBILITY CRITERIA","page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-personal-accident-360shield-policy-relpaip25035v022425/document/9639#c-section-1"},{"clause":"11(e)(v)","heading":null,"page":31,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-personal-accident-360shield-policy-relpaip25035v022425/document/9651#c-11-e-v"}],"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 claims experience.","display":"No claim-based renewal loading","note":null,"quote":"No loading shall apply on renewals based on individual claims experience.","sources":[{"clause":null,"heading":"6.13. RENEWAL OF THE POLICY","page":31,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-personal-accident-360shield-policy-relpaip25035v022425/document/9651#c-6-13-renewal-of-the-policy"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The insured may cancel by giving 15days’ written notice, and the company refunds premium for the unexpired policy year on short-term rates. No refund is made where a claim has been admitted or lodged or any benefit availed, and no refund is made for the ongoing policy year where premium is paid in instalments.","display":"15days’ written notice; refund on short term rates; no refund if claim admitted/lodged/benefit availed or for ongoing instalment policy year","note":"The short-term retention table in the wording ranges from 20% retention for not exceeding 1 month to full annual premium/rate for exceeding 8 months.","quote":"The Insured may cancel this Policy by giving 15days’ written notice, and in such an event, the Company shall refund premium on short term rates for the unexpired Policy Year as per the rates detailed below. ... Notwithstanding anything contained herein or otherwise, no refunds of premium shall be made in respect of Cancellation where, any claim has been admitted or has been lodged or any benefit has been availed by the Insured person under the Policy. No refund of premium shall be made on the on-going Policy Year where premium is paid in installments.","sources":[{"clause":null,"heading":"6.11. CANCELLATION","page":30,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-personal-accident-360shield-policy-relpaip25035v022425/document/9651#c-6-11-cancellation"}],"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":null,"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":"thirty days","note":"Applies on the new policy and not on renewals.","quote":"The Insured will be allowed a period of thirty days from date of receipt of the Policy document, whether received electronically or otherwise, to review the terms and conditions of the Policy, and to return the same if not acceptable.","sources":[{"clause":null,"heading":"6.18. FREE LOOK PERIOD","page":32,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-personal-accident-360shield-policy-relpaip25035v022425/document/9651#c-6-18-free-look-period"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Renewal grace period is 30 days. For instalment premium, the grace period is 15 days.","quote":"At the end of the Policy Period, the Policy shall terminate and can be renewed within the Grace period of 30 days to maintain continuity of benefits without break in policy. Coverage is not available during the grace period. ... Grace Period of 15 days would be given to pay the instalment premium due for the Policy.","sources":[{"clause":null,"heading":"6.13. RENEWAL OF THE POLICY","page":31,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-personal-accident-360shield-policy-relpaip25035v022425/document/9651#c-6-13-renewal-of-the-policy"},{"clause":null,"heading":"6.17. PREMIUM PAYMENT IN INSTALMENTS","page":32,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-personal-accident-360shield-policy-relpaip25035v022425/document/9651#c-6-17-premium-payment-in-instalments"}],"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":"Proposers can buy the policy from 18 years to 80 years. Dependent children can be covered from 30 days to 25 years of age.","display":"Adults 18 years to 80 years; dependent children 30 days to 25 years","note":null,"quote":"Policy can be availed by persons between the age of 18 years and 80 years, as Proposer. Dependent children (i.e., naturally or legally adopted and financially dependent on the Proposer) can be covered from 30 days to 25 years of age.","sources":[{"clause":"Section 1","heading":"ELIGIBILITY CRITERIA","page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-personal-accident-360shield-policy-relpaip25035v022425/document/9639#c-section-1"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["Lumpsum","3 EMIs","6 EMIs","9 EMIs"],"display":"Lumpsum, 3 EMIs, 6 EMIs or 9 EMIs","note":null,"quote":"If the Insured Person has opted for Payment of Premium on an instalment basis i.e. Lumpsum, 3 EMIs (Equated Monthly instalments), 6 EMIs or 9 EMIs as mentioned in the Policy Schedule, the following Conditions shall apply.","sources":[{"clause":null,"heading":"6.17. PREMIUM PAYMENT IN INSTALMENTS","page":32,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-personal-accident-360shield-policy-relpaip25035v022425/document/9651#c-6-17-premium-payment-in-instalments"}],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"quote-verified","value":"Coverage is not available during the renewal grace period. For instalment premium, coverage is available during the grace period if the instalment premium is received before the end of the grace period.","display":"No cover during renewal grace; instalment grace covered if paid before grace ends","note":null,"quote":"Coverage is not available for the period for which no premium is received, except in case of instalment period, where coverage is available during the grace period provided the installment premium is received before the end of the grace period. ... Coverage is not available during the grace period.","sources":[{"clause":"2.1(iv)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-personal-accident-360shield-policy-relpaip25035v022425/document/9651#c-2-1-iv"},{"clause":null,"heading":"6.13. RENEWAL OF THE POLICY","page":31,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-personal-accident-360shield-policy-relpaip25035v022425/document/9651#c-6-13-renewal-of-the-policy"}],"law":[]},{"key":"accidental_death","label":"Accidental death","section":"Cover","meaning":"What is paid if an accident causes death.","status":"quote-verified","value":"On death due to accidental injury during the policy period, if death occurs within 12 months from the accident date, the company pays 100% of Base Sum Insured and earned Cumulative Bonus to the nominee, legal heir or assignee. Common carrier death pays an additional 100% of Base Sum Insured.","display":"100% of Base Sum Insured plus earned Cumulative Bonus; additional 100% of Base Sum Insured for common carrier mishap","note":"Disappearance after twelve calendar months of specified common carrier or act of God incidents is deemed accidental death, subject to policy conditions.","quote":"The Company shall pay the benefit equal to 100% of Base Sum Insured and the earned Cumulative Bonus to the Nominee/ Legal Heir /Assignee as specified in the Policy Schedule, on death of the Insured Person, due to an Injury sustained in an Accident during the Policy Period, provided that the Insured Person’s death occurs within 12 months from the date of the Accident. ... In case of Insured Person’s death happens due to an Injury sustained in an Accident during the Policy Period, whilst mounting into or dismounting from or travelling in a Common Carrier on a valid ticket, the Company shall pay additional 100% of Base Sum Insured to the Nominee/Legal Heir /Assignee as specified in the Policy Schedule.","sources":[{"clause":null,"heading":"3.1.1. ACCIDENTAL DEATH (AD)","page":7,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-personal-accident-360shield-policy-relpaip25035v022425/document/9651#c-3-1-1-accidental-death-ad"},{"clause":"3.1.1(a)","heading":"Common Carrier Mishap","page":7,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-personal-accident-360shield-policy-relpaip25035v022425/document/9651#c-3-1-1-a"}],"law":[]},{"key":"permanent_total_disability","label":"Permanent total disability","section":"Cover","meaning":"What is paid for permanent total disability.","status":"quote-verified","value":"For specified permanent total disablement caused solely and directly by an accident, the company pays 200% of Base Sum Insured and earned Cumulative Bonus, if PTD occurs within 12 months and the insured survives six months or 182 days from the accident date.","display":"200% of Base Sum Insured plus earned Cumulative Bonus","note":"Specified PTD includes loss of sight of both eyes, loss or use/physical separation of both hands or feet, one hand and one foot, one eye and one hand or foot, or permanent total inability to engage in any employment or occupation.","quote":"The Company shall pay the benefit equal to 200% of Base Sum Insured and the earned Cumulative Bonus, specified in the Policy Schedule, if an Insured Person suffers Permanent Total Disablement of the nature specified below, solely and directly due to an Accident during the Policy Period, provided that\ni) The Permanent Total Disablement occurs within 12 months from the date of the Accident And\nii) The Insured survives for a minimum period of six months (182 days) from the date of Accident","sources":[{"clause":"3.1.2","heading":"PERMANENT TOTAL DISABLEMENT (PTD)","page":7,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-personal-accident-360shield-policy-relpaip25035v022425/document/9651#c-3-1-2"}],"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 caused solely and directly by an accident is paid as a percentage of Base Sum Insured and earned Cumulative Bonus according to the policy table, if it occurs within 12 months. Examples include one entire hand 50%, one entire foot 50%, loss of sight of one eye 50%, loss of toes all 20%, loss of use of one ear 20%, and loss of four fingers and thumb of one hand 40%.","display":"Table-based percentage of Base Sum Insured plus earned Cumulative Bonus, up to the Sum Insured","note":"The full policy table includes fingers, thumb, metacarpus and any other permanent partial disablement assessed by an independent Medical Practitioner.","quote":"The Company shall pay the following percentage of Base Sum Insured and the earned Cumulative Bonus, specified in the Policy Schedule, if the Insured Person suffers Permanent Partial Disablement of the nature specified below solely and directly due to an Accident during the Policy Period, provided that the Permanent Partial Disablement shall occur within 12 months of the date of the Accident. ... One entire hand | 50%\nOne entire foot | 50%\nLoss of Sight of one eye | 50%\nLoss of toes – all | 20% ... 3 Loss of Use of one ear | 20% ... 4 Loss of four fingers and thumb of one hand | 40% ... Maximum amount payable in respect of multiple nature of disablements shall be restricted to Sum Insured chosen by the Policyholder.","sources":[{"clause":"3.1.3","heading":"PERMANENT PARTIAL DISABLEMENT (PPD)","page":7,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-personal-accident-360shield-policy-relpaip25035v022425/document/9651#c-3-1-3"}],"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 is an optional cover. If an accidental injury completely incapacitates the insured from performing necessary employment or occupation duties, the company pays the weekly benefit specified in the policy schedule until return to work, subject to time excess and a maximum 104 weeks, and not exceeding Base Sum Insured.","display":"Optional weekly benefit; payable up to 104 weeks and not exceeding Base Sum Insured","note":"No compensation is payable under this benefit for injury to Dependent Children and Dependent Parents.","quote":"If the Insured Person sustains an Injury in an Accident during the Policy Period which completely incapacitates the Insured Person from performing necessary duties pertaining to his employment or occupation which the Insured Person was capable of performing at the time of the Accident (Temporary Total Disablement), the Company shall pay the weekly benefit as specified in the Policy Schedule, till the time the Insured Person is able to return to work ... The compensation under this benefit shall be payable for a maximum 104 weeks from the date of commencement of disablement and in no case shall exceed the Base Sum Insured. ... Weekly payout option of Rs 500 to Rs 1 lakh; max up to 2% of Base SI","sources":[{"clause":"3.2.1","heading":"Temporary Total Disablement (TTD)","page":9,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-personal-accident-360shield-policy-relpaip25035v022425/document/9651#c-3-2-1"},{"clause":"3.2.1(iii)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-personal-accident-360shield-policy-relpaip25035v022425/document/9651#c-3-2-1-iii"},{"clause":null,"heading":"3.1. Base Covers","page":42,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-personal-accident-360shield-policy-relpaip25035v022425/document/9651#c-3-1-base-covers-3"}],"law":[]},{"key":"accident_medical","label":"Accident medical expenses","section":"Cover","meaning":"Treatment costs after an accident.","status":"quote-verified","value":"Accidental hospitalisation is an optional indemnity cover for medical expenses incurred for hospitalisation solely and directly due to an accident, up to the Accidental Hospitalisation Limit. It includes in-patient/day care expenses, domestic road ambulance, 30 days pre-hospitalisation, 90 days post-hospitalisation, and optional accidental OPD for consultations, tests, drugs, animal bite vaccinations, dental treatment and minor surgical procedures subject to policy limits.","display":"Optional accidental hospitalisation and OPD medical expenses; pre 30 days and post 90 days","note":"Accidental hospitalisation, cumulative bonus for accidental hospitalisation and unlimited reinstatement must be opted together according to the coverage summary.","quote":"The Company shall indemnify the Insured Person for the Medical Expenses incurred for Hospitalisation solely and directly arising due to an Accident during the Policy Period, up to the Accidental Hospitalisation Limit as specified in the Policy Schedule. ... The Company shall indemnify the Insured Person for the Medical Expenses incurred in the 30 days immediately before the Insured Person was hospitalised ... The Company shall indemnify the Insured Person for the Medical Expenses incurred in the 90 days immediately after the Insured Person was discharged post Hospitalisation ... In case that the Insured Person suffers an Injury from an Accident during the Policy Period, the Company shall indemnify the Reasonable and Customary charges for the following, up to the limits specified in the Policy Schedule:","sources":[{"clause":"3.2.2.1","heading":"ACCIDENTAL HOSPITALISATION","page":9,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-personal-accident-360shield-policy-relpaip25035v022425/document/9651#c-3-2-2-1"},{"clause":"3.2.2.1.4","heading":"PRE-HOSPITALISATION","page":10,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-personal-accident-360shield-policy-relpaip25035v022425/document/9651#c-3-2-2-1-4"},{"clause":"3.2.2.1.5","heading":"POST-HOSPITALISATION","page":10,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-personal-accident-360shield-policy-relpaip25035v022425/document/9651#c-3-2-2-1-5"},{"clause":"3.2.4","heading":"ACCIDENTAL OPD","page":14,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-personal-accident-360shield-policy-relpaip25035v022425/document/9651#c-3-2-4"}],"law":[]},{"key":"occupation_classes","label":"Occupation rules","section":"Eligibility","meaning":"Whether your job affects cover or premium.","status":"quote-verified","value":"The insured must immediately notify the company in writing of any change in business or occupation. The policy excludes specified hazardous occupations such as mines, tunneling, explosives, high-tension electrical installation, oil rigs, ship crew, jockeys, circus personnel or aerial photography, and excludes expenses connected with illness or injury resulting due to participation in one’s occupation.","display":"Occupation changes must be notified; specified hazardous occupations and occupational injury/illness are excluded","note":null,"quote":"The Insured Person shall immediately notify the Company in writing of any change in his business or occupation or physical defect or infirmity with which he has become affected since the payment of last preceding premium. ... Insured Person working in/with mines, tunneling or explosives or involving electrical installation with high tension supply or conveyance testing or oil rigs work or ship crew services or as jockeys or circus personnel or aerial photography or engaged in Hazardous Activities ... Expenses incurred in connection with Illness or Injury resulting due to participation in one’s occupation.","sources":[{"clause":null,"heading":"6.3. MATERIAL CHANGE","page":27,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-personal-accident-360shield-policy-relpaip25035v022425/document/9651#c-6-3-material-change"},{"clause":"11(e)(iv)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-personal-accident-360shield-policy-relpaip25035v022425/document/9651#c-11-e-iv"}],"law":[]}],"documents":[{"kind":"wording","label":"IndusInd Personal Accident 360Shield Policy (RELPAIP25035V022425 effective from 2024)","pages":47,"fetched_at":"2026-10-17 19:45:26+00","source_url":"https://www.indusindinsurance.com/downloads/indusind-personal-accident-360shield-policy-wording","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-personal-accident-360shield-policy-relpaip25035v022425/document/9651"},{"kind":"prospectus","label":"IndusInd Personal Accident 360Shield Policy (RELPAIP25035V022425 effective from 2024)","pages":21,"fetched_at":"2026-10-17 19:45:10+00","source_url":"https://www.indusindinsurance.com/downloads/indusind-personal-accident-360shield-prospectus","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-personal-accident-360shield-policy-relpaip25035v022425/document/9639"},{"kind":"cis","label":"IndusInd Personal Accident 360Shield Policy (RELPAIP25035V022425 effective from 2024)","pages":11,"fetched_at":"2026-10-17 19:44:46+00","source_url":"https://www.indusindinsurance.com/downloads/indusind-personal-accident-360shield-cis","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-personal-accident-360shield-policy-relpaip25035v022425/document/9623"},{"kind":"brochure","label":"IndusInd Personal Accident 360Shield Policy (RELPAIP25035V022425 effective from 2024)","pages":14,"fetched_at":"2026-10-17 19:39:41+00","source_url":"https://www.indusindinsurance.com/downloads/indusind-personal-accident-360shield-brochure","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-personal-accident-360shield-policy-relpaip25035v022425/document/9573"},{"kind":"proposal","label":"IndusInd Personal Accident 360Shield Policy (RELPAIP25035V022425 effective from 2024)","pages":null,"fetched_at":"2026-10-17 19:45:30+00","source_url":"https://www.indusindinsurance.com/downloads/indusind-personal-accident-360shield-proposal-form","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-personal-accident-360shield-policy-relpaip25035v022425/document/22666"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"IndusInd General Insurance official website","url":"https://www.indusindinsurance.com/","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":"Car insurance claim","url":"https://www.indusindinsurance.com/car-insurance-claim","note":null},{"purpose":"claim","kind":"insurer","name":"Health insurance claims","url":"https://www.indusindinsurance.com/health-insurance-claims","note":null},{"purpose":"claim","kind":"insurer","name":"Travel insurance claim","url":"https://www.indusindinsurance.com/travel-insurance-claim","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.indusindinsurance.com/about-us/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."},{"purpose":"renew","kind":"insurer","name":"Renew car insurance","url":"https://www.indusindinsurance.com/car-insurance/renew-car-insurance","note":null},{"purpose":"renew","kind":"insurer","name":"Renew health insurance","url":"https://www.indusindinsurance.com/health-insurance/health-insurance-renewal","note":null}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"IndusInd Personal Accident 360Shield Policy (UIN RELPAIP25035V022425), IndiaInsurances, https://indiainsurances.com/policy/indusind-general-insurance/indusind-personal-accident-360shield-policy-relpaip25035v022425"}