{"uin":"UIIPAGP26052V012526","name":"Janata Personal Accident Insurance (Group)","url":"https://indiainsurances.com/policy/united-india-insurance/janata-personal-accident-insurance-group-uiipagp26052v012526","insurer":{"slug":"united-india-insurance","name":"United India Insurance Company Limited","url":"https://indiainsurances.com/insurer/united-india-insurance"},"line":"health","category":"personal-accident","category_name":"Personal accident","irdai_type":null,"kind":"product","status":"active","approved_on":"2016-01-11","withdrawn_on":null,"summary":"Janata Personal Accident Insurance (Group) is a group benefit personal accident policy that pays fixed benefits for accidental death and permanent total disability. The policy can be purchased for 1 year only, and claim intimation is required within thirty (30) days of the insured event.","analysis":{"state":"machine","analysed_at":"2026-10-19 22:59:16.625974+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":null,"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":"The Policy can be purchased for 1 year only.","display":"1 year only","note":null,"quote":"The Policy can be purchased for 1 year only.","sources":[{"clause":"4","heading":"Sum Insured & Policy Period","page":5,"url":"https://indiainsurances.com/policy/united-india-insurance/janata-personal-accident-insurance-group-uiipagp26052v012526/document/17279#c-4"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"The insurer must be notified within thirty (30) days of the occurrence of the insured event. Delay may be relaxed if it was not reasonably possible to provide intimation within that period, or in exceptional circumstances beyond the insured person's control.","display":"Within thirty (30) days of the insured event","note":null,"quote":"shall immediately notify the Company of any accident or incident that may give rise to a claim under this Policy within thirty (30) days of the occurrence of the insured event. Failure to furnish such intimation within the required time shall not invalidate or reduce the claim, if he/she can satisfy the company that it was not reasonably possible for him/her to provide such proof within that period. The Company may, at its discretion, relax these timelines in exceptional circumstances where the delay was due to reasons beyond the control of the Insured person.","sources":[{"clause":"1","heading":"Claim Intimation","page":7,"url":"https://indiainsurances.com/policy/united-india-insurance/janata-personal-accident-insurance-group-uiipagp26052v012526/document/17381#c-1-4"}],"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":["Duly filled and signed claim form","Copy of First Information Repot (FIR) / Medico Legal Certificate (MLC) / Panchnama, wherever applicable","Copies of medical documents supporting the accidental injury and treatment taken related to the same","Copy of Death Certificate issued by competent Authorities.","Post Mortem Report (Viscera report may asked in case chemical analysis preserved)","Copy of Photo ID and Address Proof","NEFT mandate form","Medical Certificate from the attending Medical Practitioner for the injury indicating the extent of disability","Original Discharge Summary of Hospital","Photographs of the Insured Person highlighting the injury / disability where his/her face is clearly visible","Any other relevant document, as applicable"],"display":"Claim form, FIR/MLC/Panchnama where applicable, medical records, death or disability documents, ID/address proof, NEFT mandate, and any other relevant document","note":null,"quote":"The documents mentioned below are an indicative list. Additional documents may be asked, if required, for Specific claims. All documents must be duly attested by the Claimant. ... Duly filled and signed claim form ... Copy of First Information Repot (FIR) / Medico Legal Certificate (MLC) / Panchnama, wherever applicable ... Copies of medical documents supporting the accidental injury and treatment taken related to the same ... Copy of Death Certificate issued by competent Authorities. ... Post Mortem Report (Viscera report may asked in case chemical analysis preserved) ... Copy of Photo ID and Address Proof of the Insured person/ deceased ... NEFT mandate form filled by beneficiary / Nominee / Legal Heirs in whose name the payment is to be done ... Medical Certificate from the attending Medical Practitioner for the injury indicating the extent of disability ... Original Discharge Summary of Hospital mentioning the date of admission, date of discharge, presenting complaints with duration, clinical condition, detailed line of treatment, final diagnosis and past medical and surgical history with duration, wherever applicable ... Photographs of the Insured Person highlighting the injury / disability where his/her face is clearly visible ... Any other relevant document, as applicable","sources":[{"clause":"4","heading":"List of Claim documents","page":7,"url":"https://indiainsurances.com/policy/united-india-insurance/janata-personal-accident-insurance-group-uiipagp26052v012526/document/17381#c-4-4"}],"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":"not-stated","value":null,"display":null,"note":"The policy states claim intimation and proof/document requirements, but does not promise a time to decide or pay a claim.","quote":null,"sources":[],"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":["Compensation under more than one of the Clauses (1), 2 (a), 2 (b) or 2 (c) in respect of same injury or disablement.","Death, bodily injury or disability resulting directly or indirectly from participation in hazardous or adventure sports","From intentional self-injury, suicide, or attempted suicide.","Whilst under the influence of intoxicating liquor or drugs.","Directly or indirectly caused by participating in motor racing or trial run as a driver, co-driver or passenger.","Whilst engaging in aviation or ballooning","Directly or indirectly caused by insanity.","Arising or resulting from the insured person’s actual or attempted commission, or wilful participation in an illegal act","War (whether declared or not) and war like occurrence or invasion","Ionizing radiation or contamination by radioactivity","Nuclear weapons material.","The radioactive, toxic, explosive, or other hazardous properties of any explosive nuclear assembly or nuclear component thereof."],"display":"Same injury paid under more than one benefit, hazardous or adventure sports, self-injury or suicide, alcohol or drugs, motor racing, aviation or ballooning except permitted passenger travel, insanity, illegal acts, war, and nuclear/radioactive risks","note":null,"quote":"Compensation under more than one of the Clauses (1), 2 (a), 2 (b) or 2 (c) in respect of same injury or disablement. ... Death, bodily injury or disability resulting directly or indirectly from participation in hazardous or adventure sports, including but not limited to para-jumping, rock climbing, mountaineering, rafting, horse racing, scuba diving, hang gliding, skydiving, parasailing, mountain biking, bungee jumping, paragliding, zip lining, flyboarding, canyoning, deep-sea diving, racing on wheels, or engaging in winter sports such as skiing and ice hockey. ... From intentional self-injury, suicide, or attempted suicide. ... Whilst under the influence of intoxicating liquor or drugs. ... Directly or indirectly caused by participating in motor racing or trial run as a driver, co-driver or passenger. ... Whilst engaging in aviation or ballooning, or whilst mounting into, or dismounting from, or traveling in any balloon or aircraft, other than as a fare-paying passenger in a duly licensed commercial aircraft operated by a Scheduled Airline, Air Charter Company, or equivalent commercial passenger service. ... Directly or indirectly caused by insanity. ... Arising or resulting from the insured person’s actual or attempted commission, or wilful participation in an illegal act, any violation or attempted violation of the law, resistance to arrest, or the insured person committing any breach of law with criminal intent. ... War (whether declared or not) and war like occurrence or invasion ... Ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste resulting from the combustion of nuclear fuel, including any self-sustaining process of nuclear fission. ... Nuclear weapons material. ... The radioactive, toxic, explosive, or other hazardous properties of any explosive nuclear assembly or nuclear component thereof.","sources":[{"clause":"1","heading":null,"page":3,"url":"https://indiainsurances.com/policy/united-india-insurance/janata-personal-accident-insurance-group-uiipagp26052v012526/document/17381#c-1-2"},{"clause":"2","heading":null,"page":3,"url":"https://indiainsurances.com/policy/united-india-insurance/janata-personal-accident-insurance-group-uiipagp26052v012526/document/17381#c-2-2"},{"clause":"3","heading":null,"page":3,"url":"https://indiainsurances.com/policy/united-india-insurance/janata-personal-accident-insurance-group-uiipagp26052v012526/document/17381#c-3-2"},{"clause":"4","heading":null,"page":3,"url":"https://indiainsurances.com/policy/united-india-insurance/janata-personal-accident-insurance-group-uiipagp26052v012526/document/17381#c-4-2"},{"clause":"5","heading":null,"page":3,"url":"https://indiainsurances.com/policy/united-india-insurance/janata-personal-accident-insurance-group-uiipagp26052v012526/document/17381#c-5-2"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"For grievances, contact UIIC through its website, toll free number, e-mail, courier to the Customer Care Department, or the grievance cell at a branch. If not satisfied through those methods, contact the grievance officer at customercare@uiic.co.in before approaching the Insurance Ombudsman.","display":"UIIC website/toll free/e-mail/courier/branch grievance cell, then grievance officer, then Insurance Ombudsman","note":null,"quote":"In case of any grievance, the insured may contact UIIC through:\n• Website: www.uiic.co.in\n• Toll free: 1800 425 333 33\n• E-mail: customercare@uiic.co.in\n• Courier: Customer Care Department, Head Office, United India Insurance Co. Ltd., 24, Whites Road, Chennai, Tamil Nadu- 600014\nInsured/Insured person, their Nominee or legal representatives may also approach the grievance cell at any of the Company's branches with the details of the grievance. If he/she is not satisfied with the redressal of the grievance through one of the above methods, he/she may contact the grievance officer at customercare@uiic.co.in. ... If Insured is not satisfied with the redressal of grievance through above methods, the Insured may also approach the Office of Insurance Ombudsman of the respective area/region for redressal of grievance as per Insurance Ombudsman Rules 2017.","sources":[{"clause":"VII","heading":"GRIEVANCE REDRESSAL","page":8,"url":"https://indiainsurances.com/policy/united-india-insurance/janata-personal-accident-insurance-group-uiipagp26052v012526/document/17381#c-vii"}],"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":"conflicting","value":"The prospectus states a minimum sum insured of ₹1 Lac per individual and a maximum sum insured of ₹5 Lac per individual, in multiples of ₹1 Lac. Children below 18 years of age are eligible for a maximum sum insured of up to ₹3 Lac.","display":"₹1 Lac to ₹5 Lac per individual, in multiples of ₹1 Lac; children below 18 years up to ₹3 Lac","note":"Policy wording only points to the Schedule. Another CIS says: \"The minimum sum insured is ₹1 lakh per individual, and the maximum sum insured is ₹10 lakh individual, in multiples of ₹1 lakh.\"","quote":"The minimum sum insured is ₹1 Lac per individual, and the maximum sum insured is ₹5 Lac individual, in multiples of ₹1 Lac.\n• Children’s Coverage: Children below 18 years of age are eligible for a maximum sum insured of up to ₹3 Lac under this policy.","sources":[{"clause":"4","heading":"Sum Insured & Policy Period","page":5,"url":"https://indiainsurances.com/policy/united-india-insurance/janata-personal-accident-insurance-group-uiipagp26052v012526/document/17279#c-4"},{"clause":"Row 4","heading":"Sum Insured","page":1,"url":"https://indiainsurances.com/policy/united-india-insurance/janata-personal-accident-insurance-group-uiipagp26052v012526/document/17385#c-row-4"}],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"quote-verified","value":{"unit":"days","amount":0},"display":"Nil","note":null,"quote":"7 | Waiting period | Nil","sources":[{"clause":null,"heading":"Number","page":2,"url":"https://indiainsurances.com/policy/united-india-insurance/janata-personal-accident-insurance-group-uiipagp26052v012526/document/17364#c-number-2"}],"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 fixed benefit personal accident policy for accidental bodily injury; illness or disease cover is outside the benefit, so a pre-existing disease waiting period cannot 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 policy covers accidental bodily injury benefits, not named illness or procedure treatment benefits, so a specific illness waiting period cannot apply.","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 disease or procedure cover to which a named specific-illness waiting list could attach.","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":null,"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":"Lifelong renewal is available for all eligible group members","note":null,"quote":"Renewal Lifelong renewal is available for all eligible group members.","sources":[{"clause":"1(c)(ii)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/united-india-insurance/janata-personal-accident-insurance-group-uiipagp26052v012526/document/17279#c-1-c-ii"}],"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 premium for renewals will be adjusted based on the claims experience of the expiring policy.","display":"Renewal premium adjusted based on claims experience of the expiring policy","note":null,"quote":"The premium for renewals will be adjusted based on the claims experience of the expiring policy.","sources":[{"clause":"10","heading":"Renewal","page":5,"url":"https://indiainsurances.com/policy/united-india-insurance/janata-personal-accident-insurance-group-uiipagp26052v012526/document/17381#c-10-2"}],"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":["Compensation under more than one of the Clauses (1), 2 (a), 2 (b) or 2 (c) in respect of same injury or disablement.","Death, bodily injury or disability resulting directly or indirectly from participation in hazardous or adventure sports","From intentional self-injury, suicide, or attempted suicide.","Whilst under the influence of intoxicating liquor or drugs.","Directly or indirectly caused by participating in motor racing or trial run as a driver, co-driver or passenger.","Whilst engaging in aviation or ballooning","Directly or indirectly caused by insanity.","Arising or resulting from the insured person’s actual or attempted commission, or wilful participation in an illegal act","War (whether declared or not) and war like occurrence or invasion","Ionizing radiation or contamination by radioactivity","Nuclear weapons material.","The radioactive, toxic, explosive, or other hazardous properties of any explosive nuclear assembly or nuclear component thereof."],"display":"Permanent exclusions include same injury under more than one benefit, hazardous or adventure sports, self-injury or suicide, alcohol or drugs, motor racing, aviation or ballooning except permitted passenger travel, insanity, illegal acts, war, and nuclear/radioactive risks","note":"The policy wording does not use IRDAI exclusion codes Excl04 to Excl18.","quote":"Compensation under more than one of the Clauses (1), 2 (a), 2 (b) or 2 (c) in respect of same injury or disablement. ... Death, bodily injury or disability resulting directly or indirectly from participation in hazardous or adventure sports, including but not limited to para-jumping, rock climbing, mountaineering, rafting, horse racing, scuba diving, hang gliding, skydiving, parasailing, mountain biking, bungee jumping, paragliding, zip lining, flyboarding, canyoning, deep-sea diving, racing on wheels, or engaging in winter sports such as skiing and ice hockey. ... From intentional self-injury, suicide, or attempted suicide. ... Whilst under the influence of intoxicating liquor or drugs. ... Directly or indirectly caused by participating in motor racing or trial run as a driver, co-driver or passenger. ... Whilst engaging in aviation or ballooning, or whilst mounting into, or dismounting from, or traveling in any balloon or aircraft, other than as a fare-paying passenger in a duly licensed commercial aircraft operated by a Scheduled Airline, Air Charter Company, or equivalent commercial passenger service. ... Directly or indirectly caused by insanity. ... Arising or resulting from the insured person’s actual or attempted commission, or wilful participation in an illegal act, any violation or attempted violation of the law, resistance to arrest, or the insured person committing any breach of law with criminal intent. ... War (whether declared or not) and war like occurrence or invasion ... Ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste resulting from the combustion of nuclear fuel, including any self-sustaining process of nuclear fission. ... Nuclear weapons material. ... The radioactive, toxic, explosive, or other hazardous properties of any explosive nuclear assembly or nuclear component thereof.","sources":[{"clause":"1","heading":null,"page":3,"url":"https://indiainsurances.com/policy/united-india-insurance/janata-personal-accident-insurance-group-uiipagp26052v012526/document/17381#c-1-2"},{"clause":"2","heading":null,"page":3,"url":"https://indiainsurances.com/policy/united-india-insurance/janata-personal-accident-insurance-group-uiipagp26052v012526/document/17381#c-2-2"},{"clause":"3","heading":null,"page":3,"url":"https://indiainsurances.com/policy/united-india-insurance/janata-personal-accident-insurance-group-uiipagp26052v012526/document/17381#c-3-2"},{"clause":"4","heading":null,"page":3,"url":"https://indiainsurances.com/policy/united-india-insurance/janata-personal-accident-insurance-group-uiipagp26052v012526/document/17381#c-4-2"},{"clause":"5","heading":null,"page":3,"url":"https://indiainsurances.com/policy/united-india-insurance/janata-personal-accident-insurance-group-uiipagp26052v012526/document/17381#c-5-2"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The policyholder can cancel at any time by informing the company without giving reasons. For a policy term up to one year, the company refunds proportion premium for the unexpired policy period if no claim has been made; no refund is made where any claim has been lodged or admitted, or any benefit has been availed.","display":"Proportionate refund for unexpired period if term is up to one year and no claim; no refund if any claim is lodged/admitted or benefit availed","note":null,"quote":"The policyholder can cancel the policy at any time during the term, by informing the company. In case the Policyholder cancels the policy, he/ she is not required to give reasons for cancellation. ... Refund proportion premium for unexpired policy period, if the term of the policy is upto one year and there is no claim(s) made during the policy period. ... Notwithstanding anything contained herein or otherwise, no refund of premium shall be made in respect of cancellation where any claim has been lodged or admitted, or any benefit has been availed by the Insured person under the Policy.","sources":[{"clause":"9","heading":"Cancellation","page":5,"url":"https://indiainsurances.com/policy/united-india-insurance/janata-personal-accident-insurance-group-uiipagp26052v012526/document/17381#c-9-2"}],"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 policy states claims are payable in India and in Indian Rupees only, but does not state the geographic area where an accident must occur.","quote":null,"sources":[],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Free look cancellation is available if no claims have been made during this period; it is not applicable at renewal.","quote":"The Policyholder shall be allowed a period of at least 30 days from the date of receipt of the policy to review its terms and conditions.","sources":[{"clause":"8","heading":"Free Look Period","page":5,"url":"https://indiainsurances.com/policy/united-india-insurance/janata-personal-accident-insurance-group-uiipagp26052v012526/document/17381#c-8-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"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 from the premium due date","note":null,"quote":"A grace period of 30 days from the premium due date is allowed where the Insured can still pay the premium and continue the policy.","sources":[{"clause":"10","heading":"Renewal","page":5,"url":"https://indiainsurances.com/policy/united-india-insurance/janata-personal-accident-insurance-group-uiipagp26052v012526/document/17381#c-10-2"}],"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":"Minimum entry age for each insured person is 10 years and maximum entry age is 70 years.","display":"10 years to 70 years","note":null,"quote":"Minimum Entry Age for each insured person: 10 years\n• Maximum Entry Age for each insured person: 70 years","sources":[{"clause":"1","heading":"Eligibility (Who Can Buy This Policy?)","page":3,"url":"https://indiainsurances.com/policy/united-india-insurance/janata-personal-accident-insurance-group-uiipagp26052v012526/document/17279#c-1"}],"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":"quote-verified","value":"Any claim or loss during the grace period will not be covered; coverage is not available for the period for which no premium has been received.","display":"Claims during the grace period are not covered","note":null,"quote":"Any claim/loss during the Grace period will not be covered. (i.e., Coverage would not be available for the period for which no premium has been received).","sources":[{"clause":"10","heading":"Renewal","page":5,"url":"https://indiainsurances.com/policy/united-india-insurance/janata-personal-accident-insurance-group-uiipagp26052v012526/document/17381#c-10-2"}],"law":[]},{"key":"accidental_death","label":"Accidental death","section":"Cover","meaning":"What is paid if an accident causes death.","status":"quote-verified","value":"If bodily injury sustained during the period of insurance, solely and directly resulting from an accident, is within twelve calendar months the sole and direct cause of the insured person's death, the policy pays the Capital Sum Insured stated in the Schedule.","display":"Capital Sum Insured stated in the Schedule","note":null,"quote":"In the event the Insured Person sustains bodily injury during the Period of Insurance, solely and directly resulting from an accident caused by external, violent, and visible means, the Company shall pay ... Death | If such injury within twelve calendar months of its occurrence is the sole and direct cause of the death of the Insured Person | The Capital Sum Insured stated in the Schedule","sources":[{"clause":"II","heading":"SCOPE OF COVER","page":2,"url":"https://indiainsurances.com/policy/united-india-insurance/janata-personal-accident-insurance-group-uiipagp26052v012526/document/17381#c-ii"}],"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":"quote-verified","value":"The policy does not label a separate permanent partial disability benefit. In the disability table, it pays Fifty percent (50%) of the Capital Sum Insured for total and irrecoverable loss of a limb or total and irrecoverable loss of sight of an eye; the listed losses of both eyes, two limbs, a limb and an eye, or speech and hearing of both ears are paid at the Capital Sum Insured under PTD.","display":"50% of Capital Sum Insured for loss of one limb or sight of one eye; listed larger losses pay Capital Sum Insured under PTD","note":"The wording places these benefits under Permanent Total Disability (PTD) and does not use the heading permanent partial disability.","quote":"Permanent Total Disability (PTD): | (a) If such injury within twelve calendar months of its occurrence is the sole and direct cause of the total and irrecoverable loss of sight of both eyes, loss of two limbs (both hands, both feet, or one hand and one foot), loss of a Limb and an eye, or loss of speech and hearing of both ears | The Capital Sum Insured stated in the Schedule\n(b) If such injury within twelve calendar months of its occurrence is the sole and direct cause of the total and irrecoverable loss of a limb or total and irrecoverable loss of sight of an eye | Fifty percent (50%) of the Capital Sum Insured stated in the Schedule","sources":[{"clause":"II","heading":"SCOPE OF COVER","page":2,"url":"https://indiainsurances.com/policy/united-india-insurance/janata-personal-accident-insurance-group-uiipagp26052v012526/document/17381#c-ii"}],"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":"No weekly income or temporary total disability benefit is stated in the policy wording.","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 policy asks for medical documents for claims, but does not state any accident medical expenses 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":"Rural & Social - Revised Janata Personal Accident Policy (Group)","pages":10,"fetched_at":"2026-10-17 20:13:08+00","source_url":"https://uiic.co.in/web/sites/default/files/Policy-Document/Rural%20%26%20Social%20-%20Revised%20Janata%20Personal%20Accident%20Policy%20%28Group%29_0.pdf","url":"https://indiainsurances.com/policy/united-india-insurance/janata-personal-accident-insurance-group-uiipagp26052v012526/document/17381"},{"kind":"wording","label":"Janata Personal Accident - Group (IRDAI copy)","pages":4,"fetched_at":"2026-10-20 02:27:15+00","source_url":"https://irdai.gov.in/documents/37343/931203/7_Janata+Personal+Accident+-+Group_2015-2016.pdf/b91c2ff0-5526-a497-c6f4-9eda3ba12cff?version=1.1&t=1668410952776&download=true","url":"https://indiainsurances.com/policy/united-india-insurance/janata-personal-accident-insurance-group-uiipagp26052v012526/document/28403"},{"kind":"prospectus","label":"Rural & Social -Janata Personal Accident Insurance (Group)","pages":6,"fetched_at":"2026-10-17 20:09:11+00","source_url":"https://uiic.co.in/web/sites/default/files/Policy-Document/Rural%20%26%20Social%20-%20Revised%20Janata%20Personal%20Accident%20Insurance%20%28Group%29_1.pdf","url":"https://indiainsurances.com/policy/united-india-insurance/janata-personal-accident-insurance-group-uiipagp26052v012526/document/17279"},{"kind":"cis","label":"Rural & Social - Janata Personal Accident Insurance(Group)","pages":3,"fetched_at":"2026-10-17 20:12:44+00","source_url":"https://uiic.co.in/web/sites/default/files/Policy-Document/Rural%20%26%20Social.pdf","url":"https://indiainsurances.com/policy/united-india-insurance/janata-personal-accident-insurance-group-uiipagp26052v012526/document/17364"},{"kind":"cis","label":"Rural & Social - Revised Janata Personal Accident Policy (Group)","pages":3,"fetched_at":"2026-10-17 20:13:15+00","source_url":"https://uiic.co.in/web/sites/default/files/Policy-Document/Rural%20%26%20Social%20-%20Revised%20Janata%20Personal%20Accident%20Policy%20%28Group%29.pdf","url":"https://indiainsurances.com/policy/united-india-insurance/janata-personal-accident-insurance-group-uiipagp26052v012526/document/17385"}],"versions":[{"uin":"IRDAI/HLT/UII/P-P/V.I/8/2015-16","version":null,"approved_on":null},{"uin":"UIIPAGP26052V012526","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"United India Insurance official website","url":"https://www.uiic.co.in","note":"Website as listed by IRDAI. Not checked: the site refused our crawler (HTTP 403) on 2026-10-19."},{"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":"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":"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":"Janata Personal Accident Insurance (Group) (UIN UIIPAGP26052V012526), IndiaInsurances, https://indiainsurances.com/policy/united-india-insurance/janata-personal-accident-insurance-group-uiipagp26052v012526"}