{"uin":"RELPAIP25037V012425","name":"IndusInd Motor Accident Policy","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-motor-accident-policy-relpaip25037v012425","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":"IndusInd Motor Personal Accident Policy is a benefit personal accident policy for death or injury connected with an accident to the policyholder’s motor vehicle in India. It pays 100% of the sum insured for accidental death or permanent total disablement and 50% for loss of one limb or sight of one eye.","analysis":{"state":"machine","analysed_at":"2026-10-19 20:51:55.880373+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"No named plan variants are stated in the provided wording or CIS.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The wording says the policy period is as specified in the Policy Schedule, but the provided documents do not state a fixed policy term or term options.","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":"Intimation of an event or occurrence that may give rise to a claim must be given within 30 days of its happening. Claims for benefits must be submitted not later than 30 days after death or establishing the disablement, with possible relaxation depending on the merits of the case.","display":"Intimate within 30 days of the event; submit claims within 30 days after death or establishing disablement.","note":null,"quote":"i) 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.\nii) Claims for insurance benefits must be submitted to the Company not later than 30 days after death or establishing the disablement.\nNote: The Company will examine and relax the time limit mentioned herein above depending upon the merits of the case.","sources":[{"clause":"6.1","heading":"Notification of Claim","page":6,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-motor-accident-policy-relpaip25037v012425/document/9649#c-6-1"}],"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","Copy of FIR or General Diary record or Panchnama or Police Inquest Report (wherever these reports are required as per the circumstance of the Accident) duly attested by the concerned Police Station","Copy of Medico Legal Certificate (wherever it is required as per the circumstance of the Accident) duly attested by the concerned Hospital","Death certificate (In case of Death Claim)","Disability Certificate (In case of Disability Claim)","Post mortem report if available and applicable","Cancelled Cheque for fund transfer","KYC Documents","Legal Heir Certificate/ Will/ Proof of nomination","Valid Driving License of the driver","Registration Certificate of the motor vehicle","Indoor case papers (if applicable)","Any other relevant document required by the company for assessment of the claim"],"display":"Claim form, police/FIR records where required, MLC where required, death or disability certificate, post mortem if applicable, cancelled cheque, KYC, legal heir/nomination proof, driving licence, vehicle RC, indoor case papers if applicable, and other relevant documents.","note":null,"quote":"Following are the basic documents required for All Claims\ni) Duly completed and signed claim form, in original\nii) Copy of FIR or General Diary record or Panchnama or Police Inquest Report (wherever these reports are required as per the circumstance of the Accident) duly attested by the concerned Police Station\niii) Copy of Medico Legal Certificate (wherever it is required as per the circumstance of the Accident) duly attested by the concerned Hospital\niv) Death certificate (In case of Death Claim)\nv) Disability Certificate (In case of Disability Claim)\nvi) Post mortem report if available and applicable\nvii) Cancelled Cheque for fund transfer\nviii) KYC Documents\nix) Legal Heir Certificate/ Will/ Proof of nomination\nx) Valid Driving License of the driver\nxi) Registration Certificate of the motor vehicle\nxii) Indoor case papers (if applicable)\nxiii) Any other relevant document required by the company for assessment of the claim","sources":[{"clause":"6.2","heading":"Documents to be submitted","page":6,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-motor-accident-policy-relpaip25037v012425/document/9649#c-6-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The company shall settle or reject a claim within 30 days from receipt of the last necessary document. If investigation is warranted, it shall complete the investigation within 30 days and settle or reject the claim within 45 days from receipt of the last necessary document.","display":"30 days from last necessary document; 45 days for investigated claims.","note":null,"quote":"i) 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. ... iii) However, where the circumstances of a claim warrant an investigation in the opinion of the Company, it shall initiate and complete such investigation at the earliest, in any case not later than 30 days from the date of receipt of last necessary document. In such cases, the Company shall settle or reject the claim within 45 days from the date of receipt of last necessary document.","sources":[{"clause":"6.3(i)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-motor-accident-policy-relpaip25037v012425/document/9649#c-6-3-i"},{"clause":"6.3(iii)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-motor-accident-policy-relpaip25037v012425/document/9649#c-6-3-iii"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Any person not specifically named as Insured in Policy Schedule.","Any Pre-Existing injury or physical condition","Any Accident occurring outside the Geographical Area.","Any claim arising out of any contractual liability.","Any Accident occurring whilst the Motor Vehicle herein is being used otherwise than in accordance with the Limitations as to Use","Any claim for death or disablement (whether of a permanent nature or of a temporary nature), or Injury of the Insured Person, directly or indirectly due to War","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","arising or resulting from the Insured Person committing any breach of law with criminal intent","Ionizing radiation or contamination by radioactivity","Nuclear weapons material","Nuclear, chemical and biological terrorism","Any loss arising out of the Insured Person's actual or attempted commission of or willful participation in an illegal act or any violation or attempted violation of the law.","Hire or Reward","Carriage of goods (other than samples or personal luggage)","Organized racing"],"display":"Named-insured-only, pre-existing injury/physical condition, outside geographical area, contractual liability, motor vehicle use outside limitations, war, self-injury/suicide, intoxication, criminal breach of law, nuclear/radiation/terrorism, illegal acts, and listed prohibited vehicle uses.","note":null,"quote":"i) Any person not specifically named as Insured in Policy Schedule. ... ii) Any Pre-Existing injury or physical condition ... iii) Any Accident occurring outside the Geographical Area. ... iv) Any claim arising out of any contractual liability. ... v) Any Accident occurring whilst the Motor Vehicle herein is being used otherwise than in accordance with the Limitations as to Use ... vi) Any claim for death or disablement (whether of a permanent nature or of a temporary nature), or Injury of the Insured Person, directly or indirectly due to War (whether declared or not) and war like occurrence or invasion, acts of foreign enemies, hostilities, civil war, rebellion, revolutions, insurrections, mutiny, military or usurped power, seizure, capture, arrest, restraints and detainment of all kinds. ... vii) Any claim for death, disablement (whether of a permanent nature or of a temporary nature), hospitalization of Insured Person\ni. from intentional self-injury unless in self-defense or to save life, suicide or attempted suicide;\nii. 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;\niii. arising or resulting from the Insured Person committing any breach of law with criminal intent. ... i. Ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel or from any nuclear waste from combustion (including any self-sustaining process of nuclear fission) of nuclear fuel.\nii. Nuclear weapons material\niii. The radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof.\niv. Nuclear, chemical and biological terrorism ... ix) Any loss arising out of the Insured Person's actual or attempted commission of or willful participation in an illegal act or any violation or attempted violation of the law. ... The Policy doesn’t cover Accident in connection with use of Motor Vehicle by Insured Person for any purpose as mentioned here:\ni) Hire or Reward\nii) Carriage of goods (other than samples or personal luggage)\niii) Organized racing\niv) Pace making\nv) Speed testing\nvi) Reliability trials\nvii) Any purpose in connection with Motor Trade","sources":[{"clause":"Section 4(i)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-motor-accident-policy-relpaip25037v012425/document/9649#c-section-4-i"},{"clause":"Section 4(ii)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-motor-accident-policy-relpaip25037v012425/document/9649#c-section-4-ii"},{"clause":"Section 4(iii)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-motor-accident-policy-relpaip25037v012425/document/9649#c-section-4-iii"},{"clause":"Section 4(iv)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-motor-accident-policy-relpaip25037v012425/document/9649#c-section-4-iv"},{"clause":"Section 4(v)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-motor-accident-policy-relpaip25037v012425/document/9649#c-section-4-v"},{"clause":"Section 4(vi)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-motor-accident-policy-relpaip25037v012425/document/9649#c-section-4-vi"},{"clause":"Section 4(vii)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-motor-accident-policy-relpaip25037v012425/document/9649#c-section-4-vii"},{"clause":"Section 4(viii)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-motor-accident-policy-relpaip25037v012425/document/9649#c-section-4-viii"},{"clause":"Section 4(ix)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-motor-accident-policy-relpaip25037v012425/document/9649#c-section-4-ix"},{"clause":"6.10","heading":"Limitation to Use","page":7,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-motor-accident-policy-relpaip25037v012425/document/9649#c-6-10"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"For grievances, the insured may first contact the company through its website, senior citizen helpline, e-mail, fax, courier or branch office. If not satisfied, the insured may contact the Grievance Redressal Officer at headgrievances@indusindinsurance.com before approaching IRDAI IGMS or the Insurance Ombudsman.","display":"First contact IndusInd General Insurance; if not satisfied, contact the Grievance Redressal Officer at headgrievances@indusindinsurance.com.","note":null,"quote":"In case of any grievance the Insured Person may contact the company through ... v) Courier: Any branch office, the correspondence address, during normal business hours. Write to us at: IndusInd General Insurance, (Correspondence Only) Correspondence Unit, 301-302, Corporate House RNT Marg, Opp. Jhabua Tower, Indore, Madhya Pradesh, India – 452001. Insured person may also approach the grievance cell at any of the company’s branches with the details of grievance. If Insured person is not satisfied with the redressal of grievance through one of the above methods, Insured Person may contact the grievance officer at:\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":"6.12","heading":"Grievance Clause","page":8,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-motor-accident-policy-relpaip25037v012425/document/9649#c-6-12"},{"clause":"6.12(v)","heading":"Courier","page":8,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-motor-accident-policy-relpaip25037v012425/document/9649#c-6-12-v"}],"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 CIS leaves the individual sum insured blank and the premium illustration uses Rs. 15 lakhs as an illustration; the provided documents do not state selectable sum insured options.","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 benefit policy for accidental death or injury, not an illness hospitalisation policy; the CIS states the waiting period is not applicable.","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":"Pre-existing disease waiting periods do not apply to this accident benefit cover; the policy excludes pre-existing injury or physical condition instead of covering them 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":"not-applicable","value":null,"display":null,"note":"This product does not provide illness/procedure cover with specific illness waiting periods; it is an accident benefit policy and the CIS states waiting period is not applicable.","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":"There is no specific illness waiting period list because this is an accident benefit policy and the CIS states waiting period is not applicable.","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 sum insured, sixty continuous months apply from the date of enhancement 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":"5.18","heading":"Moratorium Period","page":5,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-motor-accident-policy-relpaip25037v012425/document/9649#c-5-18"}],"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 entire policy to other insurers with all family members, if any, 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/Health insurer policy, accrued continuity benefits in waiting periods are available as per IRDAI portability guidelines.","display":"Can port to other insurers with accrued continuity benefits in waiting periods.","note":null,"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. If such person is presently covered and has been continuously covered without any lapses under any health insurance policy with an Indian General/Health insurer, the proposed Insured Person will get the accrued continuity benefits in Waiting Periods as per lRDAl guidelines on portability.","sources":[{"clause":"5.16","heading":"Portability","page":5,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-motor-accident-policy-relpaip25037v012425/document/9649#c-5-16"}],"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 documents state ordinary renewability except on specified grounds, but do not state lifelong renewal or that there is no maximum renewal age.","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 shall apply on renewals based on individual claims experience.","display":"No loading on renewals based on individual claims experience.","note":null,"quote":"v) No loading shall apply on renewals based on individual claims experience.","sources":[{"clause":"5.10","heading":"Renewal of the Policy","page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-motor-accident-policy-relpaip25037v012425/document/9649#c-5-10"}],"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":["Any person not specifically named as Insured in Policy Schedule.","Any Pre-Existing injury or physical condition","Any Accident occurring outside the Geographical Area.","Any claim arising out of any contractual liability.","Any Accident occurring whilst the Motor Vehicle herein is being used otherwise than in accordance with the Limitations as to Use","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","committing any breach of law with criminal intent","Ionizing radiation or contamination by radioactivity","Nuclear weapons material","The radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof.","Nuclear, chemical and biological terrorism","actual or attempted commission of or willful participation in an illegal act or any violation or attempted violation of the law","Hire or Reward","Organized racing","Any purpose in connection with Motor Trade"],"display":"Permanent exclusions include unnamed insured persons, pre-existing injury/physical condition, outside India, contractual liability, vehicle use outside limitations, war, self-injury/suicide, intoxication, criminal acts, nuclear/radiation/terrorism, illegal acts, and listed prohibited vehicle uses.","note":"The policy wording does not use standard exclusion codes Excl04 to Excl18.","quote":"i) Any person not specifically named as Insured in Policy Schedule. ... ii) Any Pre-Existing injury or physical condition ... iii) Any Accident occurring outside the Geographical Area. ... iv) Any claim arising out of any contractual liability. ... v) Any Accident occurring whilst the Motor Vehicle herein is being used otherwise than in accordance with the Limitations as to Use ... vi) Any claim for death or disablement (whether of a permanent nature or of a temporary nature), or Injury of the Insured Person, directly or indirectly due to War (whether declared or not) and war like occurrence or invasion, acts of foreign enemies, hostilities, civil war, rebellion, revolutions, insurrections, mutiny, military or usurped power, seizure, capture, arrest, restraints and detainment of all kinds. ... i. from intentional self-injury unless in self-defense or to save life, suicide or attempted suicide;\nii. 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;\niii. arising or resulting from the Insured Person committing any breach of law with criminal intent. ... i. Ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel or from any nuclear waste from combustion (including any self-sustaining process of nuclear fission) of nuclear fuel.\nii. Nuclear weapons material\niii. The radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof.\niv. Nuclear, chemical and biological terrorism ... ix) Any loss arising out of the Insured Person's actual or attempted commission of or willful participation in an illegal act or any violation or attempted violation of the law. ... The Policy doesn’t cover Accident in connection with use of Motor Vehicle by Insured Person for any purpose as mentioned here:\ni) Hire or Reward\nii) Carriage of goods (other than samples or personal luggage)\niii) Organized racing\niv) Pace making\nv) Speed testing\nvi) Reliability trials\nvii) Any purpose in connection with Motor Trade","sources":[{"clause":"Section 4(i)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-motor-accident-policy-relpaip25037v012425/document/9649#c-section-4-i"},{"clause":"Section 4(ii)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-motor-accident-policy-relpaip25037v012425/document/9649#c-section-4-ii"},{"clause":"Section 4(iii)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-motor-accident-policy-relpaip25037v012425/document/9649#c-section-4-iii"},{"clause":"Section 4(iv)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-motor-accident-policy-relpaip25037v012425/document/9649#c-section-4-iv"},{"clause":"Section 4(v)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-motor-accident-policy-relpaip25037v012425/document/9649#c-section-4-v"},{"clause":"Section 4(vi)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-motor-accident-policy-relpaip25037v012425/document/9649#c-section-4-vi"},{"clause":"Section 4(vii)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-motor-accident-policy-relpaip25037v012425/document/9649#c-section-4-vii"},{"clause":"Section 4(viii)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-motor-accident-policy-relpaip25037v012425/document/9649#c-section-4-viii"},{"clause":"Section 4(ix)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-motor-accident-policy-relpaip25037v012425/document/9649#c-section-4-ix"},{"clause":"6.10","heading":"Limitation to Use","page":7,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-motor-accident-policy-relpaip25037v012425/document/9649#c-6-10"}],"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 shall refund premium on short term rates for the unexpired policy year. No refund is made where any claim has been admitted or lodged, or any benefit has been availed under the policy.","display":"15days’ written notice; refund on short term rates for the unexpired Policy Year; no refund if a claim is admitted, lodged or any benefit is availed.","note":"For long-term policies, the wording states no refund for an expired policy year and full refund for a policy year that has not commenced.","quote":"i) 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.","sources":[{"clause":"5.20(i)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-motor-accident-policy-relpaip25037v012425/document/9649#c-5-20-i"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"The geographical area of coverage is the geographical boundaries of the Republic of India.","display":"Republic of India.","note":null,"quote":"The Geographical Area of coverage under this Policy shall be the geographical boundaries of the Republic of India.","sources":[{"clause":"6.8","heading":"Geographical Area","page":7,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-motor-accident-policy-relpaip25037v012425/document/9649#c-6-8"}],"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 to a new Policy and not renewals; refund is subject to the policy's deductions if no claim is made during the free-look period.","quote":"The Free Look Period will be applicable on the new Policy and not on renewals\ni) The Insured will be allowed a period of thirty days from date of receipt of the Policy to review the terms and conditions of the Policy, and to return the same if not acceptable.","sources":[{"clause":"5.19","heading":"Free Look Period","page":5,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-motor-accident-policy-relpaip25037v012425/document/9649#c-5-19"}],"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":"The definition states fifteen days where premium payment mode is monthly and thirty days in all other cases; the renewal clause states a Grace Period of 30 days.","quote":"iv) 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. ... The grace period for payment of the premium for all types of insurance policies shall be: fifteen days where premium payment mode is monthly and thirty days in all other cases.","sources":[{"clause":"5.10","heading":"Renewal of the Policy","page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-motor-accident-policy-relpaip25037v012425/document/9649#c-5-10"},{"clause":"2.1.4","heading":"Grace Period","page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-motor-accident-policy-relpaip25037v012425/document/9649#c-2-1-4"}],"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":"not-stated","value":null,"display":null,"note":"The provided wording and CIS do not state the youngest and oldest entry ages.","quote":null,"sources":[],"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 documents refer to monthly and other modes in the standard grace-period definition and to instalment premium for grace cover, but do not state the product's available premium payment options.","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":"not-stated","value":null,"display":null,"note":"No optional covers are stated in the provided wording or CIS.","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 available during the Grace Period in case the premium is paid in instalment. The definition also states that coverage need not be available during the period for which no premium is received.","display":"Available during the Grace Period if premium is paid in instalment.","note":null,"quote":"Coverage need not be available during the period for which no premium is received. ... Coverage is available during the Grace Period in case the premium is paid in instalment.","sources":[{"clause":"2.1.4","heading":"Grace Period","page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-motor-accident-policy-relpaip25037v012425/document/9649#c-2-1-4"},{"clause":"5.10","heading":"Renewal of the Policy","page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-motor-accident-policy-relpaip25037v012425/document/9649#c-5-10"}],"law":[]},{"key":"accidental_death","label":"Accidental death","section":"Cover","meaning":"What is paid if an accident causes death.","status":"quote-verified","value":"If an injury sustained in direct connection with an accident to the motor vehicle owned by the policyholder while mounting, dismounting or travelling in it as driver or passenger results in death within 365 days, the policy pays 100% of the sum insured.","display":"Death: 100% of Sum Insured, if within 365 days of the covered injury.","note":null,"quote":"the Company undertakes to pay compensation as per the following scale for Injury sustained by the Insured in direct connection with an Accident to the Motor Vehicle which is owned by Policyholder as mentioned in Policy Schedule whilst mounting/dismounting or travelling in the Motor Vehicle as a driver or passenger, which independent of any other cause shall within 365 days of such Injury results in:\nNature of injury | Scale of Compensation\ni) Death | 100%","sources":[{"clause":"Section 3","heading":"SCOPE OF COVER","page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-motor-accident-policy-relpaip25037v012425/document/9649#c-section-3"}],"law":[]},{"key":"permanent_total_disability","label":"Permanent total disability","section":"Cover","meaning":"What is paid for permanent total disability.","status":"quote-verified","value":"The policy pays 100% of the sum insured for loss of two limbs, sight of two eyes, one limb and sight of one eye, or permanent total disablement from injuries other than the named injuries, subject to the covered accident conditions and 365-day result period.","display":"100% of Sum Insured for loss of two limbs/sight of two eyes/one limb and one eye, or other permanent total disablement.","note":null,"quote":"which independent of any other cause shall within 365 days of such Injury results in:\nNature of injury | Scale of Compensation\ni) Death | 100%\nii) Loss of two limbs or sight of two eyes or one limb and sight of one eye 100%\niii) Loss of one limb or sight of one eye | 50%\niv) Permanent Total Disablement from injuries other than named above | 100%\n*Scale of compensation as percentage of Sum Insured","sources":[{"clause":"Section 3","heading":"SCOPE OF COVER","page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-motor-accident-policy-relpaip25037v012425/document/9649#c-section-3"}],"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":"The stated permanent partial disability payout is 50% of the sum insured for loss of one limb or sight of one eye, subject to the covered accident conditions and 365-day result period.","display":"Loss of one limb or sight of one eye: 50% of Sum Insured.","note":null,"quote":"which independent of any other cause shall within 365 days of such Injury results in:\nNature of injury | Scale of Compensation\ni) Death | 100%\nii) Loss of two limbs or sight of two eyes or one limb and sight of one eye 100%\niii) Loss of one limb or sight of one eye | 50%\niv) Permanent Total Disablement from injuries other than named above | 100%\n*Scale of compensation as percentage of Sum Insured","sources":[{"clause":"Section 3","heading":"SCOPE OF COVER","page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-motor-accident-policy-relpaip25037v012425/document/9649#c-section-3"}],"law":[]},{"key":"temporary_total_disability","label":"Temporary total disability","section":"Cover","meaning":"Weekly income paid while you cannot work after an accident.","status":"not-stated","value":null,"display":null,"note":"The scope of cover lists accidental death, specified permanent losses and permanent total disablement, but no weekly temporary total disability benefit is stated.","quote":null,"sources":[],"law":[]},{"key":"accident_medical","label":"Accident medical expenses","section":"Cover","meaning":"Treatment costs after an accident.","status":"not-stated","value":null,"display":null,"note":"The documents describe a fixed-benefit accident policy and do not state a benefit for accident medical treatment expenses.","quote":null,"sources":[],"law":[]},{"key":"occupation_classes","label":"Occupation rules","section":"Eligibility","meaning":"Whether your job affects cover or premium.","status":"quote-verified","value":"The insured person must immediately notify the company in writing of any change in business or occupation, or physical defect or infirmity, since payment of the last preceding premium.","display":"Notify the Company immediately in writing of any change in business or occupation.","note":"No occupation classes or occupation-based premium rates are stated in the provided documents.","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.","sources":[{"clause":"5.3","heading":"Material Change","page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-motor-accident-policy-relpaip25037v012425/document/9649#c-5-3"}],"law":[]}],"documents":[{"kind":"wording","label":"IndusInd Motor Accident Policy (RELPAIP25037V012425 effective from 2024)","pages":10,"fetched_at":"2026-10-17 19:45:31+00","source_url":"https://www.indusindinsurance.com/downloads/indusind-motor-personal-accident-pw","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-motor-accident-policy-relpaip25037v012425/document/9649"},{"kind":"cis","label":"IndusInd Motor Accident Policy (RELPAIP25037V012425 effective from 2024)","pages":5,"fetched_at":"2026-10-17 19:44:59+00","source_url":"https://www.indusindinsurance.com/downloads/indusind-motor-personal-accident-cis","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-motor-accident-policy-relpaip25037v012425/document/9629"},{"kind":"proposal","label":"IndusInd Motor Accident Policy (RELPAIP25037V012425 effective from 2024)","pages":null,"fetched_at":"2026-10-17 19:45:35+00","source_url":"https://www.indusindinsurance.com/downloads/indusind-motor-personal-accident-proposal-form","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-motor-accident-policy-relpaip25037v012425/document/22667"}],"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 Motor Accident Policy (UIN RELPAIP25037V012425), IndiaInsurances, https://indiainsurances.com/policy/indusind-general-insurance/indusind-motor-accident-policy-relpaip25037v012425"}