{"uin":"TATPAIP23087V032223","name":"Accident Guard Policy","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/accident-guard-policy-tatpaip23087v032223","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":null,"kind":"product","status":"active","approved_on":"2013-09-04","withdrawn_on":null,"summary":"Accident Guard Policy is a personal accident policy issued for up to 1 year to individuals and/or families, with entry age from 6 months up to 65 years and worldwide cover. It pays the Principal Sum for accidental death, listed percentages for accidental dismemberment and permanent total loss of use, and a weekly benefit for temporary total disability as stated in the Policy Schedule.","analysis":{"state":"machine","analysed_at":"2026-10-19 22:49:06.763049+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":["individual","family"],"display":"individual and/or family","note":"The documents describe these as issuance options, not named plan names.","quote":"This policy can be issued to an individual and/or family.","sources":[{"clause":null,"heading":"Prospectus Suitability","page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/accident-guard-policy-tatpaip23087v032223/document/16774#c-prospectus-suitability"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"The policy is issued for a period up to 1 year.","display":"up to 1 year","note":null,"quote":"The policy will be issued for a period up to 1 year.","sources":[{"clause":null,"heading":"Prospectus Suitability","page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/accident-guard-policy-tatpaip23087v032223/document/16774#c-prospectus-suitability"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Written notice 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 (30) Days after it begins.","display":"within 7 days, or as soon as reasonably possible, and no later than 30 days after loss begins","note":null,"quote":"written notice of claim must be given by You to Us within seven (7) days after an actual or potential loss begins or as soon as reasonably possible and in any event no later than (30) Days after an actual or potential loss begins.","sources":[{"clause":"13(b)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/accident-guard-policy-tatpaip23087v032223/document/16913#c-13-b-4"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Death Claims: Claim form","Death Claims: Original Death Certificate","Death Claims: Original/Attested Post Mortem Report, if conducted","Death Claims: Attested copy of FIR, Spot Panchanama & Police Inquest report, where applicable","Death Claims: Complete medical records including Death Summary, in case of hospitalization","Death Claims: KYC Documents","Disability Claims: Claim form","Disability Claims: Attending Doctor’s Report","Disability Claims: Original Disability Certificate from the Doctor","Disability Claims: Complete medical records including Investigation/ Lab reports (X-Ray, MRI etc.)","Disability Claims: FIR, Police report, where applicable","Disability Claims: KYC Documents"],"display":"Death and disability claim documents include claim form, certificates, medical records, FIR/police papers where applicable, and KYC documents.","note":null,"quote":"Death | Claims ... Claim form ... Original Death Certificate ... Original/Attested Post Mortem Report, if conducted ... Attested copy of FIR, Spot Panchanama & Police Inquest report, where applicable. ... Complete medical records including Death Summary, in case of hospitalization ... KYC Documents ... Disability Claims ... Claim form ... Attending Doctor’s Report ... Original Disability Certificate from the Doctor ... Complete | medical records including\nInvestigation/ Lab reports (X-Ray, MRI etc.) ... FIR, Police report, where applicable ... KYC Documents","sources":[{"clause":"13(d)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/accident-guard-policy-tatpaip23087v032223/document/16913#c-13-d-2"},{"clause":null,"heading":"Disability Claims","page":14,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/accident-guard-policy-tatpaip23087v032223/document/16913#c-disability-claims"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The Company shall settle or reject a claim within 15 days from receipt of the last necessary document. If investigation is warranted, it must be completed not later than 30 days from receipt of the last necessary document and the claim settled or rejected within 45 days from receipt of the last necessary document; delay attracts interest at 2% above the bank rate.","display":"15 days from last necessary document; 45 days if investigation is warranted; delay interest at 2% above bank rate","note":null,"quote":"The Company shall settle or reject a claim, as the case may be, within 15 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- ln such cases, the Company shall settle or reject the claim within 45 days from the date of receipt of last necessary document. ... ln case of delay beyond stipulated 45 days, the Company shall be liable to pay interest to the policyholder at a rate 2% above the bank rate","sources":[{"clause":"13(d)(i)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/accident-guard-policy-tatpaip23087v032223/document/16913#c-13-d-i"},{"clause":"13(d)(iii)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/accident-guard-policy-tatpaip23087v032223/document/16913#c-13-d-iii"},{"clause":"13(d)(iv)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/accident-guard-policy-tatpaip23087v032223/document/16913#c-13-d-iv"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["suicide or attempted suicide","wilful self-inflicted illness or injury except injury in self-defence or to save life","sexually transmitted conditions","serving in any branch of the Military or Armed Forces of any country, whether in peace or War","being under the influence of intoxicating liquor or drugs or other intoxicants","participation in an actual or attempted felony, riot, crime, misdemeanor, or civil commotion","operating or learning to operate any aircraft, or performing duties as a member of the crew on any aircraft","War, civil War, invasion, insurrection, revolution, act of foreign enemy, hostilities","ionising radiation or contamination by radioactivity","congenital anomalies or any complications or conditions arising there from","participation in winter sports, skydiving/ parachuting, hang gliding, bungee jumping, scuba diving, mountain climbing","participation in any Professional Sports, any bodily contact sport or any other hazardous or potentially dangerous sport for which You are untrained"],"display":"Suicide or attempted suicide; wilful self-inflicted illness or injury; sexually transmitted conditions; military service; intoxication; felony/riot/crime/civil commotion; aircraft operation or crew duties; war and similar events; radiation/nuclear risks; congenital anomalies; listed hazardous sports and professional/contact sports.","note":null,"quote":"suicide or attempted suicide ... wilful self-inflicted illness or injury except injury in self-defence or to save life; or\n2. sexually transmitted conditions;or\n3. serving in any branch of the Military or Armed Forces of any country, whether in peace or War ... being under the influence of intoxicating liquor or drugs or other intoxicants ... participation in an actual or attempted felony, riot, crime, misdemeanor, or civil commotion ... operating or learning to operate any aircraft, or performing duties as a member of the crew on any aircraft ... War, civil War, invasion, insurrection, revolution, act of foreign enemy, hostilities ... ionising radiation or contamination by radioactivity ... congenital anomalies or any complications or conditions arising there from ... participation in winter sports, skydiving/ parachuting, hang gliding, bungee jumping, scuba diving, mountain climbing ... participation in any Professional Sports, any bodily contact sport or any other hazardous or potentially dangerous sport for which You are untrained.","sources":[{"clause":"13(a)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/accident-guard-policy-tatpaip23087v032223/document/16913#c-13-a-3"},{"clause":"13(b)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/accident-guard-policy-tatpaip23087v032223/document/16913#c-13-b-3"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First lodge the complaint with Tata AIG by calling the 24X7 toll-free number or emailing customersupport@tataaig.com. If there is no response or the resolution does not meet expectations, escalate to manager.customersupport@tataaig.com and then to the Head - Customer Services at head.customerservices@tataaig.com before approaching the Insurance Ombudsman.","display":"Call 1800-266-7780 or 022-66939500, or email customersupport@tataaig.com; escalate to manager.customersupport@tataaig.com, then head.customerservices@tataaig.com.","note":null,"quote":"if You are not satisfied with Our services and wish to lodge a complaint, please feel free to call Our 24X7 Toll free number <<1800-266-7780 or 022-66939500>> (tolled) or You may email to the customer service desk at customersupport@tataaig.com. ... Escalation Level 1 For lack of a response or if the resolution still does not meet Your expectations, You can write to\nmanager.customersupport@tataaig.com. ... Escalation Level 2 For lack of a response or if the resolution still does not meet Your expectations, You can write to the Head -\nCustomer | Services | at\nhead.customerservices@tataaig.com","sources":[{"clause":"16","heading":"Subrogation: In the event of any payment under","page":15,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/accident-guard-policy-tatpaip23087v032223/document/16913#c-16"}],"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 wording refers to the Principal Sum or Sum Insured shown in the Policy Schedule, but selectable cover amounts are not printed.","quote":null,"sources":[],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"not-applicable","value":null,"display":null,"note":"This is a personal accident benefit policy, not an illness hospitalisation policy; the documents state that waiting period is not applicable.","quote":null,"sources":[],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"not-applicable","value":null,"display":null,"note":"This is a personal accident benefit policy and does not provide disease cover for which pre-existing disease waiting period would apply.","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/procedure benefits that would have specific illness 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 because this is a personal accident benefit 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 policy withdrawal clause mentions migration to an individual personal accident insurance policy available with the insurer, but portability to another insurer with waiting-period credit is not printed.","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":"quote-verified","value":true,"display":"renewable for life","note":null,"quote":"Maximum Age – Policy is however renewable for life upon payment of premium provided the cover is maintained with us without a break","sources":[{"clause":null,"heading":"Terms of Renewal","page":5,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/accident-guard-policy-tatpaip23087v032223/document/16774#c-terms-of-renewal"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"quote-verified","value":"The insurer will not apply any additional loading on the policy premium at renewal based on claim experience.","display":"No additional loading based on claim experience","note":null,"quote":"We will not apply any additional loading on your policy premium at renewal based on your claim experience.","sources":[{"clause":null,"heading":"Clauses","page":11,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/accident-guard-policy-tatpaip23087v032223/document/16913#c-clauses"}],"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":["suicide or attempted suicide","wilful self-inflicted illness or injury except injury in self-defence or to save life","sexually transmitted conditions","serving in any branch of the Military or Armed Forces of any country, whether in peace or War","being under the influence of intoxicating liquor or drugs or other intoxicants","participation in an actual or attempted felony, riot, crime, misdemeanor, or civil commotion","operating or learning to operate any aircraft, or performing duties as a member of the crew on any aircraft","War, civil War, invasion, insurrection, revolution, act of foreign enemy, hostilities","ionising radiation or contamination by radioactivity","congenital anomalies or any complications or conditions arising there from","participation in winter sports, skydiving/ parachuting, hang gliding, bungee jumping, scuba diving, mountain climbing","participation in any Professional Sports, any bodily contact sport or any other hazardous or potentially dangerous sport for which You are untrained"],"display":"Suicide or attempted suicide; wilful self-inflicted illness or injury; sexually transmitted conditions; military service; intoxication; felony/riot/crime/civil commotion; aircraft operation or crew duties; war and similar events; radiation/nuclear risks; congenital anomalies; hazardous sports and professional/contact sports.","note":"The standard IRDAI exclusion codes Excl04 to Excl18 are not printed as codes in the supplied documents.","quote":"suicide or attempted suicide ... wilful self-inflicted illness or injury except injury in self-defence or to save life; or\n2. sexually transmitted conditions;or\n3. serving in any branch of the Military or Armed Forces of any country, whether in peace or War ... being under the influence of intoxicating liquor or drugs or other intoxicants ... participation in an actual or attempted felony, riot, crime, misdemeanor, or civil commotion ... operating or learning to operate any aircraft, or performing duties as a member of the crew on any aircraft ... War, civil War, invasion, insurrection, revolution, act of foreign enemy, hostilities ... ionising radiation or contamination by radioactivity ... congenital anomalies or any complications or conditions arising there from ... participation in winter sports, skydiving/ parachuting, hang gliding, bungee jumping, scuba diving, mountain climbing ... participation in any Professional Sports, any bodily contact sport or any other hazardous or potentially dangerous sport for which You are untrained.","sources":[{"clause":"13(a)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/accident-guard-policy-tatpaip23087v032223/document/16913#c-13-a-3"},{"clause":"13(b)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/accident-guard-policy-tatpaip23087v032223/document/16913#c-13-b-3"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"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":"quote-verified","value":"The policy applies to incidents anywhere in the world unless limited by endorsement or specifically restricted in the Policy.","display":"anywhere in the world, unless limited or restricted","note":null,"quote":"Territory: This Policy applies to incidents anywhere in the world unless limited by Us through endorsement or specifically restricted in the Policy.","sources":[{"clause":null,"heading":"Clauses","page":11,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/accident-guard-policy-tatpaip23087v032223/document/16913#c-clauses"}],"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":"conflicting","value":{"unit":"days","amount":30},"display":"30 days","note":"Policy wording says 30 days. CIS says: 'You have a period of 15 days from the date of receipt of the Policy document to review the terms and conditions of this Policy.'","quote":"You have a period of 30\ndays from the date of receipt of the Policy document, whether received electronically or otherwise, to review the terms and conditions of this Policy. ... You have a period of 15 days from the date of receipt of the Policy document to review the terms and conditions of this Policy.","sources":[{"clause":"16","heading":"Subrogation: In the event of any payment under","page":15,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/accident-guard-policy-tatpaip23087v032223/document/16913#c-16"},{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/accident-guard-policy-tatpaip23087v032223/document/16749#c-s1"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":null,"quote":"The grace period for payment of premium is thirty days. ... A grace period of 30 days from the premium due date is allowed where you can still pay your premium and continue your policy.","sources":[{"clause":null,"heading":"Definitions","page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/accident-guard-policy-tatpaip23087v032223/document/16913#c-definitions"},{"clause":null,"heading":"Clauses","page":11,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/accident-guard-policy-tatpaip23087v032223/document/16913#c-clauses"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"Entry age is from 6 months up to 65 years.","display":"6 months up to 65 years","note":null,"quote":"This policy covers persons in the age group wherein entry age is from 6 months upto 65 years.","sources":[{"clause":null,"heading":"Prospectus Suitability","page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/accident-guard-policy-tatpaip23087v032223/document/16774#c-prospectus-suitability"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"not-stated","value":null,"display":null,"note":"The documents state payment methods such as Cheque, Demand Draft, Credit Card or Cash, but do not state payment frequency modes such as yearly, half-yearly, quarterly or monthly.","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":"quote-verified","value":"Coverage is not available for the period for which no premium is received during the grace period.","display":"Coverage is not available for the period for which no premium is received","note":null,"quote":"Coverage is not available for the period for which no premium is received. ... Coverage would not be available for the period for which no premium has been received.","sources":[{"clause":null,"heading":"Definitions","page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/accident-guard-policy-tatpaip23087v032223/document/16913#c-definitions"},{"clause":null,"heading":"Clauses","page":11,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/accident-guard-policy-tatpaip23087v032223/document/16913#c-clauses"}],"law":[]},{"key":"accidental_death","label":"Accidental death","section":"Cover","meaning":"What is paid if an accident causes death.","status":"quote-verified","value":"The insurer will pay the Principal Sum shown in the Policy Schedule if injury results in loss of life, provided the loss occurs within 180 Days from the date of the accident that caused the injury.","display":"Principal Sum shown in the Policy Schedule; loss must occur within 180 Days of the accident","note":null,"quote":"We will pay the Principal Sum shown in the Policy Schedule if Injury to You results in loss of life. The loss\nRegd Office: 15th Peninsula Business must occur during the circumstances described in a Hazard within 180 Days from the date of the Accident which caused Injury.","sources":[{"clause":null,"heading":"Coverage C-1","page":4,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/accident-guard-policy-tatpaip23087v032223/document/16913#c-coverage-c-1"}],"law":[]},{"key":"permanent_total_disability","label":"Permanent total disability","section":"Cover","meaning":"What is paid for permanent total disability.","status":"quote-verified","value":"For Permanent Total Loss of Use, the policy pays a percentage of the Principal Sum shown in the Policy Schedule if the listed loss continues for 12 consecutive months and occurs within 180 Days of the accident. Permanent Total Disability, permanent and incurable paralysis of all limbs, permanent total loss of sight of both eyes, permanent total loss of use of two limbs, and permanent total loss of use of one limb are listed at 100% of the Principal Sum.","display":"100% of Principal Sum for Permanent Total Disability and listed total loss-of-use benefits; loss must continue for 12 consecutive months and occur within 180 Days","note":null,"quote":"We will pay a percentage of the Principal Sum shown in the Policy Schedule if Injury to an Insured Person results in any one of the losses ... continued for 12 consecutive months. The loss must\nabove the wrist or ankle joints respectively; | occur within 180 Days of the date of the Accident which ... Permanent Total Disability | 100% ... Permanent and Incurable Paralysis of All Limbs | 100% ... Permanent Total Loss of Sight of Both Eyes | 100% ... Permanent Total Loss of Use of Two Limbs | 100% ... Permanent Total Loss of Use of One Limb | 100%","sources":[{"clause":null,"heading":"Coverage C-3","page":5,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/accident-guard-policy-tatpaip23087v032223/document/16913#c-coverage-c-3"},{"clause":"13(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/accident-guard-policy-tatpaip23087v032223/document/16913#c-13-a"},{"clause":"13(d)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/accident-guard-policy-tatpaip23087v032223/document/16913#c-13-d"}],"law":[]},{"key":"permanent_partial_disability","label":"Permanent partial disability","section":"Cover","meaning":"The table of payouts for losing a limb, eye, hearing...","status":"conflicting","value":"Accidental Dismemberment pays percentages of the Principal Sum for listed losses occurring within 180 Days: 100% for both hands or both feet, sight of both eyes, one hand and one foot, either hand or foot and sight of one eye, or speech and hearing in both ears; 50% for either hand or foot, sight of one eye, speech, or hearing in both ears; and 25% for thumb and index finger of same hand.","display":"100%, 50% or 25% of Principal Sum for listed accidental dismemberment losses","note":"Policy wording is used for the answer and shows Thumb and Index Finger of Same Hand at 25%. Prospectus says: 'Thumb and Index Finger of Same Hand | 50%'.","quote":"We will pay a percentage of the Principal Sum shown in the Policy Schedule if Injury to You results in one of the losses shown in the Table of Losses below. The loss must occur during the circumstances described in a Hazard within 180 Days from the date of the Accident which caused Injury. ... Both Hands or Both Feet | 100% ... Sight of Both Eyes | 100% ... One Hand and One Foot 100% | 100% ... Either Hand or Foot | 50% ... Sight of One Eye | 50% ... Speech | 50% ... Hearing in Both Ears 50% | 50% ... Thumb and Index Finger of Same Hand | 25% ... Thumb and Index Finger of Same Hand | 50%","sources":[{"clause":null,"heading":"Hearing)","page":4,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/accident-guard-policy-tatpaip23087v032223/document/16913#c-hearing"},{"clause":null,"heading":"Coverage C-3","page":5,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/accident-guard-policy-tatpaip23087v032223/document/16913#c-coverage-c-3"},{"clause":"2","heading":"Accidental Dismemberment","page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/accident-guard-policy-tatpaip23087v032223/document/16774#c-2"}],"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":"The listed benefits are accidental death, dismemberment, permanent total loss of use, temporary total disability and certain extensions; accident medical expense reimbursement is not printed as a benefit.","quote":null,"sources":[],"law":[]},{"key":"occupation_classes","label":"Occupation rules","section":"Eligibility","meaning":"Whether your job affects cover or premium.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Accident Guard Policy(TATPAIP23087V032223)","pages":20,"fetched_at":"2026-10-17 20:09:21+00","source_url":"https://www.tataaig.com/s3/ACCIDENT_GUARD_POLICY_Policy_Wording_47d004cfa7.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/accident-guard-policy-tatpaip23087v032223/document/16913"},{"kind":"wording","label":"Accident Guard Policy (IRDAI copy)","pages":24,"fetched_at":"2026-10-20 02:23:03+00","source_url":"https://irdai.gov.in/documents/37343/931203/Accident+Guard+Policy_2013-2014.pdf/7cfb5068-a428-f1c2-85c0-70b6143850e7?version=1.1&t=1668339102623&download=true","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/accident-guard-policy-tatpaip23087v032223/document/28175"},{"kind":"prospectus","label":"Accident Guard Policy(TATPAIP23087V032223)","pages":7,"fetched_at":"2026-10-17 20:03:59+00","source_url":"https://www.tataaig.com/s3/ACCIDENT_GUARD_POLICY_75c205bd5b.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/accident-guard-policy-tatpaip23087v032223/document/16774"},{"kind":"cis","label":"Accident Guard Policy(TATPAIP23087V032223)","pages":4,"fetched_at":"2026-10-17 20:02:38+00","source_url":"https://www.tataaig.com/s3/ACCIDENT_GUARD_POLICY_30e0073f40.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/accident-guard-policy-tatpaip23087v032223/document/16749"},{"kind":"premium","label":"Accident Guard Policy(TATPAIP23087V032223)","pages":null,"fetched_at":"2026-10-17 20:04:24+00","source_url":"https://www.tataaig.com/s3/ACCIDENT_GUARD_POLICY_03c48a4793.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/accident-guard-policy-tatpaip23087v032223/document/31809"},{"kind":"proposal","label":"Accident Guard Policy(TATPAIP23087V032223)","pages":null,"fetched_at":"2026-10-17 20:15:17+00","source_url":"https://www.tataaig.com/s3/ACCIDENT_GUARD_POLICY_fa870b4013.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/accident-guard-policy-tatpaip23087v032223/document/31865"}],"versions":[{"uin":"IRDA/NL-HLT/TAGI/P-P/V.I/195/13-14","version":null,"approved_on":null},{"uin":"TATPAIP23087V032223","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":"Accident Guard Policy (UIN TATPAIP23087V032223), IndiaInsurances, https://indiainsurances.com/policy/tata-aig-general-insurance/accident-guard-policy-tatpaip23087v032223"}