{"uin":"RELTGBP23139V012223","name":"IndusInd Travel Care Policy Individual And Family Plan","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-travel-care-policy-individual-and-family-plan-reltgbp23139v012223","insurer":{"slug":"indusind-general-insurance","name":"IndusInd General Insurance Company Limited","url":"https://indiainsurances.com/insurer/indusind-general-insurance"},"line":"general","category":"travel","category_name":"Travel insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"This is an inbound travel insurance policy for trips to India with Plan A for single trips and Plan B for multi-trip or long period trips. It covers medical, itinerary, baggage, passport, personal accident and assistance benefits, with trip duration up to 182 days under Plan A and 365 days under Plan B.","analysis":{"state":"machine","analysed_at":"2026-10-20 04:48:04.359828+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Plan A: Single Trip only","Plan B: Multi Trip or Long Period Trip"],"display":"Plan A: Single Trip only; Plan B: Multi Trip or Long Period Trip","note":null,"quote":"Plans | There are 2 Plans under the product Plan A: Single Trip only Plan B: Multi Trip or Long Period Trip","sources":[{"clause":"Annexure I","heading":"COVERAGE SUMMARY","page":51,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-travel-care-policy-individual-and-family-plan-reltgbp23139v012223/document/9774#c-annexure-i"}],"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":null,"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":"The policyholder or insured person must notify the TPA or company immediately. Planned hospitalization must be intimated at least 48 hours before admission, emergency hospitalization within 24 hours of admission, and reimbursement claim documents immediately but not later than 30 days from the incident or loss.","display":"Immediately; planned hospitalization at least 48 hours prior, emergency hospitalization within 24 hours, reimbursement documents not later than 30 days","note":null,"quote":"must notify the TPA/Company either at the call center or in writing immediately ... Planned Hospitalization (applicable to Plan B), the Policyholder /Insured Person will intimate such admission at least 48 hours prior to the planned date of admission. ... Emergency Hospitalization, the Policyholder /Insured Person will intimate such admission within 24 hours of such admission. ... the list of documents as mentioned in Clause 6.1.4: Claim Documents shall be provided by the Policyholder/ Insured Person, immediately but not later than 30 days from the date of incident/loss.","sources":[{"clause":"6.1.1","heading":"Claims Intimation","page":41,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-travel-care-policy-individual-and-family-plan-reltgbp23139v012223/document/9774#c-6-1-1"},{"clause":"6.1.1(i)","heading":null,"page":41,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-travel-care-policy-individual-and-family-plan-reltgbp23139v012223/document/9774#c-6-1-1-i"},{"clause":"6.1.1(ii)","heading":null,"page":41,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-travel-care-policy-individual-and-family-plan-reltgbp23139v012223/document/9774#c-6-1-1-ii"},{"clause":"6.1.2(g)","heading":null,"page":42,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-travel-care-policy-individual-and-family-plan-reltgbp23139v012223/document/9774#c-6-1-2-g"}],"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","Medical Practitioner’s referral letter advising Hospitalization","Original bills, receipts and discharge card from the Hospital / Medical Practitioner","Original bills from pharmacy / chemists","Original pathological / diagnostic test reports and payment receipts","Indoor case papers","First Information Report/ Final Police Report, if applicable","Copy of Air tickets and boarding passes for the sector travelled.","Copy of passport, visa with entry stamp to India","Note-Cancelled cheque copy of Insured/Nominee is required against all the claims."],"display":"Claim form, medical and hospital records, original bills and receipts, diagnostic reports, FIR if applicable, travel and passport documents, and cancelled cheque","note":null,"quote":"i. Duly completed and signed Claim Form, in original ii. Medical Practitioner’s referral letter advising Hospitalization ... iv. Original bills, receipts and discharge card from the Hospital / Medical Practitioner ... v. Original bills from pharmacy / chemists ... vi. Original pathological / diagnostic test reports and payment receipts ... vii. Indoor case papers ... ix. First Information Report/ Final Police Report, if applicable ... xi. Copy of Air tickets and boarding passes for the sector travelled. ... xiii. Copy of passport, visa with entry stamp to India. ... Note-Cancelled cheque copy of Insured/Nominee is required against all the claims.","sources":[{"clause":"6.1.4","heading":"Claim Documents","page":43,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-travel-care-policy-individual-and-family-plan-reltgbp23139v012223/document/9774#c-6-1-4"},{"clause":"6.1.4(viii)","heading":null,"page":46,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-travel-care-policy-individual-and-family-plan-reltgbp23139v012223/document/9774#c-6-1-4-viii"}],"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":"conflicting","value":"The company must settle or reject a claim within 30 days from receipt of the last necessary document. If investigation is warranted, it must 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 if investigation is warranted","note":"CIS says: 'TAT for Reimbursement Claims – 7 to 10 workings days.'","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.","sources":[{"clause":"5.1.4(i)","heading":null,"page":37,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-travel-care-policy-individual-and-family-plan-reltgbp23139v012223/document/9774#c-5-1-4-i"},{"clause":"5.1.4(iii)","heading":null,"page":37,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-travel-care-policy-individual-and-family-plan-reltgbp23139v012223/document/9774#c-5-1-4-iii"},{"clause":null,"heading":"Table of Contents","page":6,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-travel-care-policy-individual-and-family-plan-reltgbp23139v012223/document/9583#c-table-of-contents-2"}],"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":["Expenses related to the treatment of a Pre-existing Disease (PED) and its direct complications","Expenses related to the treatment of the following listed conditions, surgeries/treatments","Expenses related to the treatment of any illness within 30 days","Expenses related to any admission primarily for diagnostics and evaluation purposes only","Expenses related to any admission primarily for enforced bed rest","Expenses for cosmetic or plastic surgery or any treatment to change appearance","Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports","Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent","Any Claim relating to events occurring before the commencement of the Policy","Any Claim relating to any Pre-existing Disease or complications thereof","Treatment which could reasonably be delayed until the Insured/Insured Person's return to the Home Country","Treatment received outside India"],"display":"PED and specific waiting periods, first 30 days illness, diagnostic admission, rest cure, cosmetic surgery, professional hazardous/adventure sports, breach of law, pre-policy events, PED complications, delayable treatment and treatment outside India","note":null,"quote":"Expenses related to the treatment of a Pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36months ... Expenses related to the treatment of the following listed conditions, surgeries/treatments shall be excluded until the expiry of 24 months ... Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded ... Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded. ... Expenses related to any admission primarily for enforced bed rest ... Expenses for cosmetic or plastic surgery or any treatment to change appearance ... Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports ... Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent. ... Any Claim relating to events occurring before the commencement of the Policy ... Any Claim relating to any Pre-existing Disease or complications thereof. ... Treatment which could reasonably be delayed until the Insured/Insured Person's return to the Home Country. ... Treatment received outside India.","sources":[{"clause":"4.1.1(i)","heading":null,"page":31,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-travel-care-policy-individual-and-family-plan-reltgbp23139v012223/document/9774#c-4-1-1-i"},{"clause":"4.1.2(i)","heading":null,"page":32,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-travel-care-policy-individual-and-family-plan-reltgbp23139v012223/document/9774#c-4-1-2-i"},{"clause":"4.1.3","heading":"First Thirty Days Waiting Period (Code- Excl03)","page":33,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-travel-care-policy-individual-and-family-plan-reltgbp23139v012223/document/9774#c-4-1-3"},{"clause":"4.2.1","heading":"Investigation & Evaluation (Code: Excl04)","page":33,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-travel-care-policy-individual-and-family-plan-reltgbp23139v012223/document/9774#c-4-2-1"},{"clause":"4.2.2","heading":"Rest Cure, rehabilitation and respite care (Code: Excl05)","page":33,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-travel-care-policy-individual-and-family-plan-reltgbp23139v012223/document/9774#c-4-2-2"},{"clause":"4.2.5","heading":"Cosmetic or Plastic Surgery (Code: Excl 08)","page":34,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-travel-care-policy-individual-and-family-plan-reltgbp23139v012223/document/9774#c-4-2-5"},{"clause":"4.2.6","heading":"Hazardous or Adventure sports (Code: Excl 09)","page":34,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-travel-care-policy-individual-and-family-plan-reltgbp23139v012223/document/9774#c-4-2-6"},{"clause":"4.2.7","heading":"Breach of law (Code: Excl 10)","page":34,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-travel-care-policy-individual-and-family-plan-reltgbp23139v012223/document/9774#c-4-2-7"},{"clause":"4.3.3","heading":"Claim Occurrence Date","page":35,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-travel-care-policy-individual-and-family-plan-reltgbp23139v012223/document/9774#c-4-3-3"},{"clause":"4.3.14","heading":"Pre-Existing Diseases and related Complications","page":36,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-travel-care-policy-individual-and-family-plan-reltgbp23139v012223/document/9774#c-4-3-14"},{"clause":"4.3.23","heading":"Treatment that could be delayed","page":36,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-travel-care-policy-individual-and-family-plan-reltgbp23139v012223/document/9774#c-4-3-23"},{"clause":"4.3.27","heading":"Overseas Treatment","page":37,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-travel-care-policy-individual-and-family-plan-reltgbp23139v012223/document/9774#c-4-3-27"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"For a grievance, the insured person may contact the company through its website, telephone, senior citizen helpline, email, fax, courier or branch. If not satisfied, the insured person may contact the Grievance Redressal Officer before approaching the Insurance Ombudsman or IRDAI IGMS.","display":"Contact the company first through website, phone, email, fax, courier or branch; then Grievance Redressal Officer; then Ombudsman or IRDAI IGMS","note":null,"quote":"In case of any grievance the Insured Person may contact the Company through Website: www.indusindinsurance.com Telephone No.: 022 4890 3009 (paid) Dedicated Senior Citizen helpline: 022-33834185 (paid line) E-mail: services@indusindinsurance.com Fax:+91 22 3303 4662Courier: Any branch office ... 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: Grievance Redressal Officer ... the Insured Person may also approach the office of Insurance Ombudsman ... Grievance may also be lodged at lRDAl Integrated Grievance Management System https://igms.irdai.gov. in/","sources":[{"clause":"5.1.13","heading":"Redressal of Grievance","page":39,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-travel-care-policy-individual-and-family-plan-reltgbp23139v012223/document/9774#c-5-1-13"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["MEDICAL COVERS","Accidental Cover","OPD Cover","Itinerary Covers","Value Added and Assistance Covers","Adventure Sports","Maternity Cover"],"display":"Medical, accidental, OPD, itinerary, value-added and assistance, adventure sports and maternity covers","note":"Benefits apply as per the plan and limits in the Policy Schedule/Certificate of Insurance.","quote":"MEDICAL COVERS ... Accidental Cover ... The Company shall reimburse the Reasonable and Customary charges to Insured Person up to an amount specified in the Policy Schedule/Certificate of Insurance ... Itinerary Covers ... Value Added and Assistance Covers ... The Company shall pay the Insured Person, compensation under Benefits 3.1.1, 3.1.2, 3.1.6, 3.1.7, 3.1.8, 3.1.9 and 3.1.10 mentioned under this Policy, for any Injury sustained by the Insured Person ... Maternity Cover","sources":[{"clause":"3.1","heading":"MEDICAL COVERS","page":9,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-travel-care-policy-individual-and-family-plan-reltgbp23139v012223/document/9774#c-3-1"},{"clause":"3.2","heading":"Accidental Cover","page":12,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-travel-care-policy-individual-and-family-plan-reltgbp23139v012223/document/9774#c-3-2"},{"clause":"3.3","heading":"OPD Cover","page":14,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-travel-care-policy-individual-and-family-plan-reltgbp23139v012223/document/9774#c-3-3"},{"clause":"3.4","heading":"Itinerary Covers","page":14,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-travel-care-policy-individual-and-family-plan-reltgbp23139v012223/document/9774#c-3-4"},{"clause":"3.5","heading":"Value Added and Assistance Covers","page":20,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-travel-care-policy-individual-and-family-plan-reltgbp23139v012223/document/9774#c-3-5"},{"clause":"3.6","heading":"Adventure Sports","page":28,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-travel-care-policy-individual-and-family-plan-reltgbp23139v012223/document/9774#c-3-6"},{"clause":null,"heading":"3.7 Maternity Cover","page":31,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-travel-care-policy-individual-and-family-plan-reltgbp23139v012223/document/9774#c-3-7-maternity-cover"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"No premium is refunded for early termination or cancellation of the Certificate of Insurance after the insured trip has commenced. Cancellation before the insured trip starts is permitted subject to a cancellation fee of Rs.100/-.","display":"No refund after the insured trip starts; before commencement, cancellation fee Rs.100/-","note":null,"quote":"No Premium shall be refunded in case of early termination or cancellation of the Certificate of Insurance after the commencement of the Insured Trip. However, cancellations are permitted prior to the commencement of the Insured Trip subject to a cancellation fees of Rs.100/-.","sources":[{"clause":"5.1.7(ii)","heading":null,"page":38,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-travel-care-policy-individual-and-family-plan-reltgbp23139v012223/document/9774#c-5-1-7-ii"}],"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":"medical_cover","label":"Medical cover abroad","section":"Cover","meaning":"Emergency medical and hospital costs while travelling, and the limit.","status":"quote-verified","value":"Emergency hospitalization expenses for illness and accident in India are covered up to 100% of Sum Insured. Sum insured options in INR are 10 lacs, 25 lacs, 50 lacs, 75 lacs, 100 lacs and 150 lacs.","display":"Emergency hospitalization expenses for illness and accident up to 100% of S.I.; Sum Insured INR 10 lacs, 25 lacs, 50 lacs, 75 lacs, 100 lacs, 150 lacs","note":"This inbound policy covers the insured trip in India.","quote":"Sum Insured (in INR) | 10 lacs, 25lacs,50lacs,75lacs,100lacs,150 lacs ... 3.1.1 | Hospitalization Expenses Emergency Hospitalization Expenses • In-Patient Treatment • Day Care Treatment | Illness and Accident | Up to 100% of S.I for IPD and Day Care for | Up to 100% of S.I for IPD and Day Care","sources":[{"clause":"Annexure I","heading":"COVERAGE SUMMARY","page":51,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-travel-care-policy-individual-and-family-plan-reltgbp23139v012223/document/9774#c-annexure-i"},{"clause":"3.1","heading":"Medical Covers","page":51,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-travel-care-policy-individual-and-family-plan-reltgbp23139v012223/document/9774#c-3-1-11"}],"law":[]},{"key":"ped_cover","label":"Pre-existing conditions","section":"Cover","meaning":"Whether emergencies from existing conditions are covered.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"trip_cancellation","label":"Trip cancellation and curtailment","section":"Cover","meaning":"Refund of non-refundable costs if you must cancel or cut short a trip.","status":"quote-verified","value":"Trip Cancellation indemnifies forfeited, non-refundable prepaid travel and accommodation payments if the insured trip to India is cancelled for covered reasons, with limit options of 20000/50000/100000/150000/200000/300000. Trip Interruption covers curtailment or alteration with travel expenses for the lowest economy flight ticket and reasonable additional expenses for listed reasons.","display":"Trip cancellation covers forfeited non-refundable prepaid travel/accommodation up to 20000/50000/100000/150000/200000/300000; trip interruption covers listed curtailment or alteration costs","note":"Option-2 Cancellation for any reason is available if the conditions in the Policy Schedule/Certificate of Insurance are met.","quote":"If an Insured Trip to India, is cancelled due to a covered reason (arise within 15 days prior to Certificate Start Date), the Company shall indemnify the Insured Person for the forfeited, non-refundable prepaid payments for travel and accommodation ... Trip Cancellation | Option-1 | 20000/ 50000/ 20000/ 50000/ | Option-1 Nil | Indemnity\n• Option-1 Due to Medical | 100000/ 150000/ 100000/ 150000/\n• Option-1 Due to emergency or | 200000/ | 200000/ 300000 ... Trip interruption can refer to:\n• Curtailment or Shortening of the original Insured Trip ... • Alteration or Change in Itinerary of the original Insured Trip","sources":[{"clause":"3.4.1","heading":"Trip Cancellation","page":14,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-travel-care-policy-individual-and-family-plan-reltgbp23139v012223/document/9774#c-3-4-1"},{"clause":"3.4.1","heading":null,"page":52,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-travel-care-policy-individual-and-family-plan-reltgbp23139v012223/document/9774#c-3-4-1-2"},{"clause":"3.4.3","heading":"Trip Interruption","page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-travel-care-policy-individual-and-family-plan-reltgbp23139v012223/document/9774#c-3-4-3"}],"law":[]},{"key":"baggage","label":"Baggage loss and delay","section":"Cover","meaning":"Cover for checked baggage lost or delayed.","status":"quote-verified","value":"The policy covers total loss of checked-in baggage on an insured trip and delay or misdirection of checked-in baggage by a common carrier. Limits are 75000/100000 for total loss and 5000/10000 for delay, with a 12 hours deductible for delay.","display":"Total loss of checked-in baggage: 75000/100000; delay of checked-in baggage: 5000/10000 after 12 hours","note":null,"quote":"The Company shall indemnify the Insured Person for the total loss of checked-in baggage on an Insured Trip. ... Total Loss of | Lost or | 75000/ 100000 | 75000/ 100000 | - | Indemnity\nChecked in | Misplaced ... The Company shall pay a fixed amount (stated in the Policy Schedule/Certificate of Insurance) to the Insured for the expense of Necessary Personal Effects incurred during the Insured Trip to India, , if the Insured’s Checked-in Baggage is delayed or misdirected by a Common Carrier ... Delay of Checked Delay or | 5000/ 10000 | 5000/ 10000 | 12 hours | Benefit","sources":[{"clause":"3.4.6","heading":"Total Loss of Checked in Baggage","page":17,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-travel-care-policy-individual-and-family-plan-reltgbp23139v012223/document/9774#c-3-4-6"},{"clause":"3.4.6","heading":null,"page":53,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-travel-care-policy-individual-and-family-plan-reltgbp23139v012223/document/9774#c-3-4-6-2"},{"clause":"3.4.7","heading":"Delay of Checked in Baggage","page":18,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-travel-care-policy-individual-and-family-plan-reltgbp23139v012223/document/9774#c-3-4-7"},{"clause":"3.4.7","heading":null,"page":53,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-travel-care-policy-individual-and-family-plan-reltgbp23139v012223/document/9774#c-3-4-7-2"}],"law":[]},{"key":"passport_loss","label":"Passport loss","section":"Cover","meaning":"Costs of replacing a lost passport.","status":"quote-verified","value":"If the insured person's passport is lost during the insured trip in India, the company reimburses the actual necessary and reasonable expenses for obtaining a duplicate or fresh passport, up to the policy limit. The coverage summary shows a limit of 15000.","display":"Loss of passport: actual expenses for duplicate or fresh passport, up to 15000","note":null,"quote":"In the event that the passport belonging to the Insured Person is lost during the Insured Trip in India, the Company will reimburse the Insured Person, up to an amount specified in the Policy Schedule/Certificate of Insurance, the actual expenses necessarily and reasonably incurred in connection with obtaining a duplicate or fresh passport. ... Loss of Passport | Theft/ | 15000 | 15000 | - | Indemnity","sources":[{"clause":"3.5.3","heading":"Loss of Passport","page":21,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-travel-care-policy-individual-and-family-plan-reltgbp23139v012223/document/9774#c-3-5-3"},{"clause":"3.5.3","heading":null,"page":53,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-travel-care-policy-individual-and-family-plan-reltgbp23139v012223/document/9774#c-3-5-3-2"}],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"Amount you bear per claim.","status":"quote-verified","value":"Deductible is charged for each separate incident reported for claims payment. The schedule may specify different deductible options by benefit, including hospitalization options of 0/5000/10000/20000/50000, OPD options of 0/1000/2000/5000, and Fire Cover for Home Contents at 5% of each claim with a minimum of INR 10,000.","display":"Per separate incident; varies by benefit, including 0/5000/10000/20000/50000 for hospitalization, 0/1000/2000/5000 for OPD, and 5% of each fire contents claim, minimum INR 10,000","note":"The selected deductible is as specified in the Policy Schedule/Certificate of Insurance.","quote":"Deductible will be charged for each separate incident reported for Claims payment, even though the Claim may be registered under the same Benefit more than once. ... Hospitalization | Illness and | Up to 100% of S.I Up to 100% of S.I 0/ 5000/ 10000/ Indemnity\nExpenses | Accident | for IPD and Day for IPD and Day | 20000/ 50000 ... OPD Cover | Illness and | 25000, within | 50000, within | 0, 1000, 2000, | Indemnity\nAccident | S.I, sub-limit on S.I, sub limit on | 5000 ... Fire Cover (Home Fire and Allied | Not Applicable | 20,00,000 | 5% of each | Indemnity\nContents in India) | Perils | claim, minimum\nof INR 10,000","sources":[{"clause":"5.2.5","heading":"Operation of Deductible","page":40,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-travel-care-policy-individual-and-family-plan-reltgbp23139v012223/document/9774#c-5-2-5"},{"clause":"3.1.1","heading":null,"page":51,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-travel-care-policy-individual-and-family-plan-reltgbp23139v012223/document/9774#c-3-1-1-3"},{"clause":"3.3","heading":null,"page":52,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-travel-care-policy-individual-and-family-plan-reltgbp23139v012223/document/9774#c-3-3-2"},{"clause":"3.5.8","heading":null,"page":54,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-travel-care-policy-individual-and-family-plan-reltgbp23139v012223/document/9774#c-3-5-8-2"}],"law":[]},{"key":"max_trip_days","label":"Trip length","section":"Eligibility","meaning":"Longest trip covered, single or multi-trip.","status":"quote-verified","value":"The maximum travel days for a single trip are 182 days under Plan A and 365 days under Plan B. For an insured person up to age 70 years, the maximum trip period including any extension must not exceed 365 days in total.","display":"Plan A maximum 182 days; Plan B maximum 365 days; up to age 70 years, including extension maximum 365 days total","note":null,"quote":"Trip Duration | Plan A: Maximum upto: 182 days\nPlan B: Maximum upto 365 days ... The maximum number of travel days under a Single Trip that may be insured, under the Policy, shall be 182 days under Plan A and 365 days under Plan B. ... for an Insured Person being up to the age of 70 years, the maximum period for Insured Trip(including any extension provided) shall not exceed 365 days in total.","sources":[{"clause":"Annexure I","heading":"COVERAGE SUMMARY","page":51,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-travel-care-policy-individual-and-family-plan-reltgbp23139v012223/document/9774#c-annexure-i"},{"clause":"5.2.2","heading":"Extension of the Policy Period","page":40,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-travel-care-policy-individual-and-family-plan-reltgbp23139v012223/document/9774#c-5-2-2"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Free-look, if the policy offers one (usually annual multi-trip policies only): days after you receive the policy in which you can return it for a refund.","status":"conflicting","value":{"unit":"days","amount":30},"display":"30 days, Plan B only","note":"CIS says: 'Free Look Cancellation: Not Applicable'.","quote":"The Free Look Period shall be available only for Plan B,and shall be applicable on new individual policies and not on renewals or at the time of porting/migrating the policy. The Insured Person shall be allowed free look period of thirty days from date of receipt of the policy document","sources":[{"clause":"5.1.11","heading":"Free Look Period","page":39,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-travel-care-policy-individual-and-family-plan-reltgbp23139v012223/document/9774#c-5-1-11"},{"clause":null,"heading":"Table of Contents","page":6,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-travel-care-policy-individual-and-family-plan-reltgbp23139v012223/document/9583#c-table-of-contents-2"}],"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":"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 states age limits for dependent children, maternity and extension conditions, but does not state the youngest and oldest entry age for buying the policy.","quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"IndusInd Inbound Travel (Group) Policy Wording","pages":62,"fetched_at":"2026-10-17 19:48:53+00","source_url":"https://www.indusindinsurance.com/downloads/indusind-inbound-travel-group-policy-wording","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-travel-care-policy-individual-and-family-plan-reltgbp23139v012223/document/9774"},{"kind":"cis","label":"IndusInd Travel Care Policy Individual And Family Plan Customer Information Sheet","pages":7,"fetched_at":"2026-10-17 19:40:25+00","source_url":"https://www.indusindinsurance.com/downloads/indusind-travel-care-policy-individual-and-family-plan-customer-information-sheet","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-travel-care-policy-individual-and-family-plan-reltgbp23139v012223/document/9583"}],"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 Travel Care Policy Individual And Family Plan (UIN RELTGBP23139V012223), IndiaInsurances, https://indiainsurances.com/policy/indusind-general-insurance/indusind-travel-care-policy-individual-and-family-plan-reltgbp23139v012223"}