{"uin":"TATPAGP23093V032223","name":"Group Accident Guard Policy","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-accident-guard-policy-tatpagp23093v032223","insurer":{"slug":"tata-aig-general-insurance","name":"Tata AIG General Insurance Company Limited","url":"https://indiainsurances.com/insurer/tata-aig-general-insurance"},"line":"health","category":"personal-accident","category_name":"Personal accident","irdai_type":"Revision","kind":"product","status":"active","approved_on":"2020-08-31","withdrawn_on":null,"summary":"Group Accident Guard is a group personal accident policy with both benefit and indemnity covers. The master policy period is 1 year, and credit-linked certificates can run from 1 year to 5 years.","analysis":{"state":"machine","analysed_at":"2026-10-19 22:59:09.624174+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"The documents describe covers and benefits but do not name plan variants.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"In case of master policy, the Policy Period is 1 year; the period of certificate of insurance is from 1 year to 5 years in case of credit linked certificates. The applicable individual certificate term is stated in the certificate of insurance.","display":"Master policy: 1 year; certificate: 1 year to 5 years in case of credit linked","note":null,"quote":"In case of master policy, the Policy Period would be 1 year however the period of certificate of insurance would be from 1 year to 5 years (in case of credit linked). Details of the policy term applicable to individual certificate of insurance would be clearly stated in Insured Person’s certificate of insurance.","sources":[{"clause":"19(iv)","heading":null,"page":40,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-accident-guard-policy-tatpagp23093v032223/document/16907#c-19-iv"}],"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":"Notice of claim must be given within seven (7) Days after an actual or potential loss begins, or as soon as reasonably possible, and in any event no later than One (1) month after an actual or potential loss begins.","display":"Within 7 days, or as soon as reasonably possible, and no later than 1 month after loss begins","note":"The Company may relax these timelines only in special circumstances and for reasons beyond the control of the Insured Person.","quote":"notice of Claim must be given by the Insured Person to The Company within seven (7) Days after an actual or potential loss begins or as soon as reasonably possible and in any event no later than One (1) month after an actual or potential loss begins.","sources":[{"clause":null,"heading":"A. Claim Notification","page":47,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-accident-guard-policy-tatpagp23093v032223/document/16907#c-a-claim-notification"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Claim form with Attending Doctor’s report","Copy of Death Certificate","Copy of Post Mortem report","Copy of First Information Report and Panchanama, if filed and available","Copy of Admission/ discharge card with complete medical records including Investigation/ Lab reports","Copy of Disability Certificate from Competent Authorized Doctor or Surgeon / physician showing percentage (%) of disability","Original Bills and receipts for medical expenses","Original CKYC form with attested copy of KYC documents and Cancelled cheque with Latest Passport size photograph"],"display":"Claim form, medical reports, death/disability documents, FIR/Panchanama where applicable, original bills and receipts, and KYC/bank documents","note":"Documents vary by benefit and claim type; the policy may ask for other appropriate documents based on claim details.","quote":"1. | Claim form with Attending Doctor’s report. | 1. | Claim form with Attending Doctor’s report. ... 2. | Copy of Death Certificate | 2. | Copy of Disability Certificate from Competent Authorized Doctor or C Surgeon / physician showing percentage (%) of disability ... 3. | Copy of Post Mortem report ... 4. | Copy of First Information Report and Panchanama, if filed and available ... Copy of Admission/ discharge 6. Copy of salary slips showing the date of\ncard with complete medical | joining & designation / grade as\nrecords including Investigation/ | mentioned in policy certificate.\nLab reports (X-Ray, MRI etc.), if admitted. ... 4. | Original Bills and receipts for medical expenses. ... Original CKYC form with attested copy of KYC documents and Cancelled cheque with Latest Passport size photograph.","sources":[{"clause":"Row 1","heading":"Claim form with Attending Doctor’s report.","page":48,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-accident-guard-policy-tatpagp23093v032223/document/16907#c-row-1-3"},{"clause":"Row 2","heading":"Copy of Death Certificate","page":48,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-accident-guard-policy-tatpagp23093v032223/document/16907#c-row-2"},{"clause":null,"heading":"Partial Disability / Loss of Activities of Daily Living","page":48,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-accident-guard-policy-tatpagp23093v032223/document/16907#c-partial-disability-loss-of-activities-of-daily-l-2"},{"clause":null,"heading":"B.Claim Documentation","page":48,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-accident-guard-policy-tatpagp23093v032223/document/16907#c-b-claim-documentation"},{"clause":"Row 1","heading":"Claim form with Attending Doctor’s report","page":49,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-accident-guard-policy-tatpagp23093v032223/document/16907#c-row-1-4"},{"clause":null,"heading":"Tata AIG General Insurance Company Limited","page":48,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-accident-guard-policy-tatpagp23093v032223/document/16907#c-tata-aig-general-insurance-company-limited-50"}],"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 pay an admitted claim within 15 days from the date of receipt of the last necessary document. For delay, it shall pay interest from the date of receipt of last necessary document to payment at 2% above the bank rate.","display":"Within 15 days from receipt of last necessary document; delay interest at 2% above bank rate","note":null,"quote":"The Company shall make the payment of Claim that has been admitted as payable by The Company under the Policy terms and conditions within 15 days from date of receipt of last necessary document. ... In the case of delay in the payment of a Claim, The Company shall be liable to pay interest from the date of receipt of last necessary document to the date of payment of Claim at a rate 2% above the bank rate.","sources":[{"clause":null,"heading":"G. Claims Payment","page":57,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-accident-guard-policy-tatpagp23093v032223/document/16907#c-g-claims-payment"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Any Pre-existing disease (PED), any complication arising from it","The attending Physician who will be (a) Insured Person himself / herself or (b) Close Member of the Family who is covered in this Policy","suicide or attempted suicide","wilful self-inflicted illness or injury except injury in self-defence or to save life","being under the influence of intoxicating liquor or drugs or other intoxicants","Participation in an actual or attempted felony, riot, crime, misdemeanor(excluding traffic violations) or civil commotion","operating or learning to operate any aircraft, or performing duties as a member of the crew on any aircraft or Scheduled Aircraft","War or any act of war, invasion, act of foreign enemy, civil war, public defence, rebellion, revolution, insurrection, military or usurped acts, nuclear weapons / materials, chemical and biological weapons, ionising radiation","any Act of Terrorism","Any Insured Person’s participation in Professional or Adventure Sports","committing any breach of law with criminal intent","Confinement in a Hospital which is not Medically Necessary","Mosquito bite and resultant diseases","Any loss resulting contributed or aggravated or prolonged by childbirth or from pregnancy"],"display":"Main exclusions include PED, suicide or self-inflicted injury, intoxication, crime or civil commotion, aircraft crew duties, war/nuclear/radiation, terrorism, professional/adventure sports, criminal breach of law, non-medically necessary hospitalisation, mosquito-borne disease, and childbirth or pregnancy.","note":"Adventure sports for leisure and terrorism can be waived on payment of additional premium where the applicable optional cover is taken.","quote":"Any Pre-existing disease (PED), any complication arising from it, ... The attending Physician who will be (a) Insured Person himself / herself or (b) Close Member of the Family who is covered in this Policy. ... a) suicide or attempted suicide\nb) wilful self-inflicted illness or injury except injury in self-defence or to save life; or\n6. being under the influence of intoxicating liquor or drugs or other intoxicants ... Participation in an actual or\nattempted felony, riot, crime,\nmisdemeanor(excluding | traffic\nviolations) or civil commotion ;\n8. operating or learning to operate any aircraft, or performing duties as a member of the crew on any aircraft or Scheduled Aircraft; ... War or any act of war, invasion, act\nof foreign enemy, civil war, public defence, rebellion, revolution, insurrection, military or usurped acts, nuclear weapons / materials, chemical and biological weapons, ionising radiation;\n10. any loss, damage cost or expense of whatsoever nature caused by, resulting from or in connection\nwith any Act | of Terrorism ... Any Insured Person’s participation\nin Professional or Adventure Sports other than mentioned in Exclusion i.1, or participation without expert supervision of trained professional; ... Arising or resulting from the\nInsured Person(s) committing any breach of law with criminal intent ... Confinement in a Hospital which is\nnot Medically Necessary ... Mosquito bite and resultant\ndiseases are excluded under the Policy. ... Any loss resulting contributed or\naggravated or prolonged by childbirth or from pregnancy.","sources":[{"clause":null,"heading":"Policy","page":38,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-accident-guard-policy-tatpagp23093v032223/document/16907#c-policy"},{"clause":"7","heading":"Participation in an actual or","page":38,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-accident-guard-policy-tatpagp23093v032223/document/16907#c-7"},{"clause":"9","heading":"War or any act of war, invasion, act","page":38,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-accident-guard-policy-tatpagp23093v032223/document/16907#c-9"},{"clause":"13","heading":"Any Insured Person’s participation","page":39,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-accident-guard-policy-tatpagp23093v032223/document/16907#c-13"},{"clause":"14","heading":"Arising or resulting from the","page":39,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-accident-guard-policy-tatpagp23093v032223/document/16907#c-14"},{"clause":"17","heading":"Confinement in a Hospital which is","page":39,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-accident-guard-policy-tatpagp23093v032223/document/16907#c-17"},{"clause":"18","heading":"Mosquito bite and resultant","page":39,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-accident-guard-policy-tatpagp23093v032223/document/16907#c-18"},{"clause":"19","heading":"Any loss resulting contributed or","page":39,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-accident-guard-policy-tatpagp23093v032223/document/16907#c-19"}],"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, contact Tata AIG through the website, 24x7 helpline, email, written customer support address, servicing branch, or branch grievance cell. If not satisfied, contact the grievance officer at manager.customersupport@tataaig.com before approaching the Insurance Ombudsman.","display":"Tata AIG customer support or branch first; then grievance officer at manager.customersupport@tataaig.com; then Insurance Ombudsman","note":null,"quote":"In case of any grievance the Insured Person may contact through Website: www. tataaig.com Call us 24x7 toll free helpline 1800 266 7780 o022-66939500>> (tolled) or You\nmay Email | us | at\ncustomersupport@tataaig.com ... The insured person may also approach the grievance cell at any of the Company’s branches with details of grievance. lf Insured Person is not satisfied with the redressal of grievance through one of the above methods, Insured person may contact the grievance officer at manager.customersupport@tataaig.co m. ... lf Insured Person is not satisfied with the redressal of grievance through above methods, the Insured Person may also approach the office of lnsurance Ombudsman","sources":[{"clause":null,"heading":"Redressal of Grievance","page":57,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-accident-guard-policy-tatpagp23093v032223/document/16907#c-redressal-of-grievance"},{"clause":null,"heading":"Tata AIG General Insurance Company Limited","page":57,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-accident-guard-policy-tatpagp23093v032223/document/16907#c-tata-aig-general-insurance-company-limited-61"}],"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 documents point to the Policy Schedule or Certificate of Insurance for the Sum Insured, but do not state selectable cover amounts.","quote":null,"sources":[],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"not-applicable","value":null,"display":null,"note":"This is a personal accident policy, not an illness hospitalisation policy with a general initial illness waiting period.","quote":null,"sources":[],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"not-applicable","value":null,"display":null,"note":"The policy excludes pre-existing disease and its complications rather than 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 personal accident policy does not cover named illness or procedure waiting periods.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"not-applicable","value":null,"display":null,"note":"There is no specific illness waiting period list for this personal accident policy.","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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"not-stated","value":null,"display":null,"note":"The wording mentions migration to a similar Tata AIG product if this product is withdrawn, but does not state portability to another insurer.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"not-stated","value":null,"display":null,"note":null,"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":"not-stated","value":null,"display":null,"note":"The renewal clause says premium rate may change, but does not state claim-based loading.","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 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 Pre-existing disease (PED), any complication arising from it","The attending Physician who will be (a) Insured Person himself / herself or (b) Close Member of the Family who is covered in this Policy","suicide or attempted suicide","wilful self-inflicted illness or injury except injury in self-defence or to save life","being under the influence of intoxicating liquor or drugs or other intoxicants","Participation in an actual or attempted felony, riot, crime, misdemeanor(excluding traffic violations) or civil commotion","operating or learning to operate any aircraft, or performing duties as a member of the crew on any aircraft or Scheduled Aircraft","War or any act of war, invasion, act of foreign enemy, civil war, public defence, rebellion, revolution, insurrection, military or usurped acts, nuclear weapons / materials, chemical and biological weapons, ionising radiation","any Act of Terrorism","Ionising radiation or contamination by radioactivity","Any Insured Person’s participation in Professional or Adventure Sports","committing any breach of law with criminal intent","Any loss caused by osteoporosis","Confinement in a Hospital which is not Medically Necessary","Mosquito bite and resultant diseases","Any loss resulting contributed or aggravated or prolonged by childbirth or from pregnancy"],"display":"Permanent exclusions include PED, suicide or self-inflicted injury, intoxication, crime or civil commotion, aircraft duties, war/nuclear/radiation, terrorism, professional/adventure sports, criminal breach of law, osteoporosis/pathological fracture, non-medically necessary hospitalisation, mosquito-borne disease, and childbirth or pregnancy.","note":"The policy wording does not use standard IRDAI exclusion codes Excl04 to Excl18 in the cited exclusion list.","quote":"Any Pre-existing disease (PED), any complication arising from it, ... a) suicide or attempted suicide\nb) wilful self-inflicted illness or injury except injury in self-defence or to save life; or\n6. being under the influence of intoxicating liquor or drugs or other intoxicants ... operating or learning to operate any aircraft, or performing duties as a member of the crew on any aircraft or Scheduled Aircraft; ... War or any act of war, invasion, act\nof foreign enemy, civil war, public defence, rebellion, revolution, insurrection, military or usurped acts, nuclear weapons / materials, chemical and biological weapons, ionising radiation; ... Ionising | radiation | or\ncontamination by radioactivity ... Any Insured Person’s participation\nin Professional or Adventure Sports other than mentioned in Exclusion i.1, or participation without expert supervision of trained professional; ... Any loss caused by osteoporosis\n(porosity and brittleness of the bones due to loss of protein form the bones matrix) or pathological fracture ... Confinement in a Hospital which is\nnot Medically Necessary ... Mosquito bite and resultant\ndiseases are excluded under the Policy. ... Any loss resulting contributed or\naggravated or prolonged by childbirth or from pregnancy.","sources":[{"clause":null,"heading":"Policy","page":38,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-accident-guard-policy-tatpagp23093v032223/document/16907#c-policy"},{"clause":"7","heading":"Participation in an actual or","page":38,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-accident-guard-policy-tatpagp23093v032223/document/16907#c-7"},{"clause":"9","heading":"War or any act of war, invasion, act","page":38,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-accident-guard-policy-tatpagp23093v032223/document/16907#c-9"},{"clause":null,"heading":"Tata AIG General Insurance Company Limited","page":38,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-accident-guard-policy-tatpagp23093v032223/document/16907#c-tata-aig-general-insurance-company-limited-40"},{"clause":"13","heading":"Any Insured Person’s participation","page":39,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-accident-guard-policy-tatpagp23093v032223/document/16907#c-13"},{"clause":"15","heading":"Any loss caused by osteoporosis","page":39,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-accident-guard-policy-tatpagp23093v032223/document/16907#c-15"},{"clause":"17","heading":"Confinement in a Hospital which is","page":39,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-accident-guard-policy-tatpagp23093v032223/document/16907#c-17"},{"clause":"18","heading":"Mosquito bite and resultant","page":39,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-accident-guard-policy-tatpagp23093v032223/document/16907#c-18"},{"clause":"19","heading":"Any loss resulting contributed or","page":39,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-accident-guard-policy-tatpagp23093v032223/document/16907#c-19"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"The documents do not state a general geographic area of cover. Some individual benefits have their own territorial conditions, such as Air Ambulance being restricted within India.","quote":null,"sources":[],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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 wording defines dependent children ages but does not state the youngest and oldest entry age for buying the policy.","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":null,"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":null,"quote":null,"sources":[],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"accidental_death","label":"Accidental death","section":"Cover","meaning":"What is paid if an accident causes death.","status":"quote-verified","value":"The Company pays the Sum Insured mentioned in the Policy Schedule or Certificate of Insurance for death directly and independently resulting from an accident within the policy or cover period, where the loss occurs within twelve (12) months from the accident date. Disappearance after specified conveyance accidents or acts of God is deemed loss of life if the body cannot be located within six (6) months.","display":"Pays Sum Insured for accidental death; loss must be within 12 months; disappearance deemed death if body not located within 6 months","note":null,"quote":"The Company will pay the Sum Insured as mentioned in the Policy Schedule / Certificate of Insurance for Death of Insured Person, directly and independently resulting from an\nAccident | within the Policy / Cover\nPeriod. The loss must be within twelve (12) months from the date of the Accident which caused Injury. ... Death of Insured Person occurring within the Policy / Cover Period if Insured Person’s body cannot be located within six (6) months after the forced landing, stranding, sinking or wrecking of a conveyance","sources":[{"clause":null,"heading":"B1. ACCIDENTAL DEATH","page":12,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-accident-guard-policy-tatpagp23093v032223/document/16907#c-b1-accidental-death"}],"law":[]},{"key":"permanent_total_disability","label":"Permanent total disability","section":"Cover","meaning":"What is paid for permanent total disability.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"permanent_partial_disability","label":"Permanent partial disability","section":"Cover","meaning":"The table of payouts for losing a limb, eye, hearing...","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"temporary_total_disability","label":"Temporary total disability","section":"Cover","meaning":"Weekly income paid while you cannot work after an accident.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"accident_medical","label":"Accident medical expenses","section":"Cover","meaning":"Treatment costs after an accident.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"occupation_classes","label":"Occupation rules","section":"Eligibility","meaning":"Whether your job affects cover or premium.","status":"quote-verified","value":"The policy requires the Policyholder to notify the Company in writing of any material change in risk due to change in occupation or business. The Company may adjust the scope of cover and/or premium if necessary.","display":"Change in occupation/business must be notified; insurer may adjust cover and/or premium","note":"The documents do not provide named occupation classes.","quote":"The Policy holder shall immediately notify The Company in writing of any material change in the risk on account of change in occupation / business at his own expense and The Company may adjust the scope of cover and/or premium, if necessary, accordingly.","sources":[{"clause":null,"heading":"Tata AIG General Insurance Company Limited","page":44,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-accident-guard-policy-tatpagp23093v032223/document/16907#c-tata-aig-general-insurance-company-limited-46"}],"law":[]}],"documents":[{"kind":"wording","label":"Group Accident Guard Policy(TATPAGP23093V032223)","pages":69,"fetched_at":"2026-10-17 20:09:12+00","source_url":"https://www.tataaig.com/s3/GROUP_ACCIDENT_GUARD_POLICY_Polciy_Wordings_7354e32876.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-accident-guard-policy-tatpagp23093v032223/document/16907"},{"kind":"wording","label":"Group accident Guard Policy (IRDAI copy)","pages":36,"fetched_at":"2026-10-20 02:36:58+00","source_url":"https://irdai.gov.in/documents/37343/931203/TATPAGT21196V022021_2020-2021.pdf/52875294-8e0b-30ad-a429-869a0ef01746?version=1.1&t=1668593397154&download=true","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-accident-guard-policy-tatpagp23093v032223/document/28939"},{"kind":"cis","label":"Group Accident Guard Policy(TATPAGP23093V032223)","pages":7,"fetched_at":"2026-10-17 20:09:23+00","source_url":"https://www.tataaig.com/s3/group_accident_guard_cis_e54bfe904c.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-accident-guard-policy-tatpagp23093v032223/document/16912"}],"versions":[{"uin":"TATPAGT21196V022021","version":null,"approved_on":null},{"uin":"TATPAGP23093V032223","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Tata AIG General Insurance official website","url":"https://www.tataaig.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":"Claims process","url":"https://www.tataaig.com/claims-process","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 policy","url":"https://www.tataaig.com/grievance-redressal-policy","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Group Accident Guard Policy (UIN TATPAGP23093V032223), IndiaInsurances, https://indiainsurances.com/policy/tata-aig-general-insurance/group-accident-guard-policy-tatpagp23093v032223"}