{"uin":"ZUKPAIP27069V062627","name":"Accident Care","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627","insurer":{"slug":"zurich-kotak-general-insurance","name":"Zurich Kotak General Insurance Company (India) Limited","url":"https://indiainsurances.com/insurer/zurich-kotak-general-insurance"},"line":"health","category":"personal-accident","category_name":"Personal accident","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Accident Care is a personal accident policy with Excel Plan, Premium Plan and Prime Plan variants and policy periods of 1, 2 or 3 years. It pays accident benefits such as death, permanent disablement, temporary total disablement if opted, and accident hospitalization benefits, with worldwide cause of action except Section B benefits restricted to India.","analysis":{"state":"machine","analysed_at":"2026-10-19 22:56:21.197559+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":["Excel Plan","Premium Plan","Prime Plan"],"display":"Excel Plan; Premium Plan; Prime Plan","note":null,"quote":"Accident Care – Excel Plan Prospectus Scope of Cover ... Accident Care – Premium Plan Prospectus Scope of Cover ... Accident Care – Prime Plan Prospectus Scope of Cover","sources":[{"clause":null,"heading":"Accident Care – Excel Plan Prospectus Scope of Cover","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627/document/18104#c-accident-care-excel-plan-prospectus-scope-of-cov"},{"clause":null,"heading":"Accident Care – Premium Plan Prospectus Scope of Cover","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627/document/18111#c-accident-care-premium-plan-prospectus-scope-of-c"},{"clause":null,"heading":"Accident Care – Prime Plan Prospectus Scope of Cover","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627/document/18117#c-accident-care-prime-plan-prospectus-scope-of-cov"}],"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":"You can opt for a policy period of 1, 2 or 3 years.","display":"1, 2 or 3 years","note":null,"quote":"b) Policy Period: You can opt for a Policy with Policy Period 1, 2 or 3 years.","sources":[{"clause":"1(b)","heading":"Policy Period","page":2,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627/document/18104#c-1-b"}],"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 claim must be intimated within 10 days. Necessary claim information and documentation must be provided within 30 days of the Insured Person's injury occurring.","display":"Intimation within 10 days; documents within 30 days of injury","note":null,"quote":"On the occurrence or discovery of any Injury that may give rise to a Claim under this Policy, We shall be given the intimation within 10 days and provided the following necessary information and documentation in respect of the Claims within 30 days, of the Insured Person’s Injury occurring:","sources":[{"clause":"7","heading":"CLAIMS PROCEDURE","page":14,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627/document/18396#c-7"}],"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":["Photo Identity Proof","Duly completed and signed claim form in original","Copy of FIR/ Panchnama /Police Inquest Report","Copy of Medico Legal Certificate","Original Death certificate","Death summary","Post Mortem Report","Identity proof of Nominee or Original Succession Certificate/Original Legal Heir Certificate","Original treating Medical Practitioner’s certificate describing the disablement","Original Discharge summary from the Hospital","Photograph of the Insured Person reflecting the disablement","Prescriptions and consultation papers of the treatment; Disability certificate issued by treating Medical Practitioner","Leave/Absence Certificate from Employer","Medical Practitioner’s certificate confirming the Injury and advising rest/ unfit to work","Fitness Certificate","Original Bill from a certified Ambulance Service Provider or Hospital","Discharge Summary from The Hospital","Medical & Investigation reports"],"display":"Photo ID, claim form, FIR/Panchnama/Police Inquest Report, Medico Legal Certificate, and benefit-specific medical, death, disability, employer, ambulance and hospital documents","note":"Additional documents vary by the benefit claimed.","quote":"i) Photo Identity Proof (Any one) - Voter ID, Passport, PAN Card, Driving License, Ration Card, Aadhar, or any other proof accepted by the KYC norms as approved by the Company and which is admissible in court of law ii) Duly completed and signed claim form in original as prescribed by Us. iii) Copy of FIR/ Panchnama /Police Inquest Report (if conducted) duly attested by the concerned Police Station; iv) Copy of Medico Legal Certificate(if conducted) duly attested by the concerned Hospital, ... i) Original Death certificate issued by the office of Registrar of Birth & Deaths; ii) Death summary issued by a Hospital; iii) Post Mortem Report (if conducted); iv) Identity proof of Nominee or Original Succession Certificate/Original Legal Heir Certificate or any other proof to the satisfaction of the Company for the purpose of a valid discharge in case nomination is not filed by deceased. ... i) Original treating Medical Practitioner’s certificate describing the disablement; ii) Original Discharge summary from the Hospital; iii) Photograph of the Insured Person reflecting the disablement; iv) Prescriptions and consultation papers of the treatment; Disability certificate issued by treating Medical Practitioner. ... vi) Leave/Absence Certificate from Employer (If Employed) vii) Medical Practitioner’s certificate confirming the Injury and advising rest/ unfit to work for specified number of days viii) Fitness Certificate ... i) Ambulance Charges a) Original Bill from a certified Ambulance Service Provider or Hospital ... v) Claim documents under Section B of the Product a) Discharge Summary from The Hospital b) Medical & Investigation reports c) Prescriptions, and consultation papers of the treatment d) Any other medical, investigation reports, as applicable","sources":[{"clause":"7.1","heading":"Basic documents required for All claims","page":14,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627/document/18396#c-7-1"},{"clause":"7.2","heading":"Additional documents required in case of Death Resulting from Accident","page":15,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627/document/18396#c-7-2"},{"clause":"7.3","heading":"Additional documents required in case of Permanent Total Disablement (PTD) resulting","page":15,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627/document/18396#c-7-3"},{"clause":"7.4","heading":"Additional documents required in case of Temporary Total Disablement (TTD) resulting","page":15,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627/document/18396#c-7-4"},{"clause":"7.5","heading":"Additional documents for Benefits (as applicable)","page":16,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627/document/18396#c-7-5"}],"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 must settle or reject the claim within 15 days from receipt of the claim along with the claim form and necessary documents. For suspected fraud, the last necessary document includes the investigation report from the insurer's representatives.","display":"Within 15 days from receipt of claim with claim form and necessary documents","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 claim along with claim form (and necessary documents). In case of suspected frauds, the last “necessary” documents will include the receipt of the investigation report from Our representatives","sources":[{"clause":"8(i)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627/document/18396#c-8-i"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Any Hospitalization consequent to any condition arising from or traceable to any disease of the organs of generation, malignant disease of mammary gland, pregnancy, childbirth, abortion or miscarriage","Disease, Injury, death or disablement directly or indirectly due to war","Circumcision or strictures, vaccination, inoculation, sex change, beauty treatment of any description, intentional self-injury","Dental treatment, eye treatment and plastic surgery unless necessitated as a consequence of an Injury","Any Injury present prior to the commencement of Policy Period","Any Medical Expenses not incurred in a Hospital or Day Care Centre","from intentional self-injury, suicide or attempted suicide","whilst under the influence of intoxicating liquor or drugs","whilst engaging in aviation or ballooning","arising or resulting from the Insured Person committing any breach of law with criminal intent","participation in winter sports, skydiving/parachuting, hang gliding, bungee jumping, scuba diving, mountain climbing","Arising from ionizing radiation or contamination by radioactivity","Directly or indirectly caused by or contributed by/ or arising from Nuclear weapon materials","Death, disablement, Injury, disease, illness, Hospitalization resulting from Nuclear, Chemical, Biological Terrorism","All non-medical expenses listed in Annexure II (List I) of the Policy"],"display":"Main exclusions include pregnancy-related conditions unless caused by accident, war, self-injury or suicide, intoxication, aviation/adventure sports, criminal breach of law, hazardous sports, prior injury, non-hospital medical expenses, nuclear/radiation/terrorism and non-medical expenses","note":null,"quote":"i) Any Hospitalization consequent to any condition arising from or traceable to any disease of the organs of generation, malignant disease of mammary gland, pregnancy, childbirth, abortion or miscarriage or any complications and/or sequels arising from the foregoing, except where such condition arises directly as a consequence of an accident during the policy period. ... ii) Disease, Injury, death or disablement directly or indirectly due to war ... iii) Circumcision or strictures, vaccination, inoculation, sex change, beauty treatment of any description, intentional self-injury ... iv) Dental treatment, eye treatment and plastic surgery unless necessitated as a consequence of an Injury ... v) Any Injury present prior to the commencement of Policy Period ... vi) Any Medical Expenses not incurred in a Hospital or Day Care Centre ... a) from intentional self-injury, suicide or attempted suicide; ... b) whilst under the influence of intoxicating liquor or drugs; ... c) whilst engaging in aviation or ballooning ... e) arising or resulting from the Insured Person committing any breach of law with criminal intent. ... participation in winter sports, skydiving/parachuting, hang gliding, bungee jumping, scuba diving, mountain climbing ... ix) Arising from ionizing radiation or contamination by radioactivity ... (x) Directly or indirectly caused by or contributed by/ or arising from Nuclear weapon materials ... Death, disablement (whether of a permanent nature or of a temporary nature), Injury, disease, illness, Hospitalization of Insured Person resulting directly or indirectly arising out of, contributed to or caused by, or resulting from or in connection with any act of Nuclear, Chemical, Biological Terrorism ... xii) All non-medical expenses listed in Annexure II (List I) of the Policy.","sources":[{"clause":"5(i)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627/document/18396#c-5-i"},{"clause":"5(ii)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627/document/18396#c-5-ii"},{"clause":"5(iii)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627/document/18396#c-5-iii"},{"clause":"5(iv)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627/document/18396#c-5-iv"},{"clause":"5(v)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627/document/18396#c-5-v"},{"clause":"5(vi)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627/document/18396#c-5-vi"},{"clause":"5(a)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627/document/18396#c-5-a"},{"clause":"5(b)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627/document/18396#c-5-b"},{"clause":"5(c)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627/document/18396#c-5-c"},{"clause":"5(e)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627/document/18396#c-5-e"},{"clause":"5(c)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627/document/18396#c-5-c-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 a grievance, contact the respective branch office, call 1800 2120 or email care@zurichkotak.com. If not satisfied, contact the Grievance Officer at grievanceofficer@zurichkotak.com before approaching the Insurance Ombudsman.","display":"Branch office / 1800 2120 / care@zurichkotak.com, then Grievance Officer at grievanceofficer@zurichkotak.com","note":null,"quote":"For resolution of any query or grievance, insured may contact the respective branch office of the Company or may call at 1800 2120 or may write an e- mail at care@zurichkotak.com. For senior citizens, please contact the respective branch office of the Company or call at 1800 2120 or may write an e- mail at seniorcitizen@zurichkotak.com. In case the insured is not satisfied with the response of the office, insured may contact the Grievance Officer of the Company at grievanceofficer@zurichkotak.com.","sources":[{"clause":"22","heading":"Grievances","page":23,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627/document/18396#c-22"}],"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 prospectus says minimum and maximum sum insured are as per an annexure, but the annexure/options are not present in the provided clauses.","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 an accident policy covering injury from accidents, not illness claims; the CIS states the waiting period is not applicable.","quote":null,"sources":[],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"not-applicable","value":null,"display":null,"note":"This is an accident policy covering injury from accidents, not pre-existing disease cover; the CIS states the waiting period is not applicable.","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 is an accident policy and does not provide a specific illness/procedure waiting-period cover; the CIS states the waiting period is not applicable.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"not-applicable","value":null,"display":null,"note":"This is an accident policy and has no named illness/procedure waiting-period list; the CIS states the waiting period is not applicable.","quote":null,"sources":[],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"quote-verified","value":{"unit":"months","amount":60},"display":"sixty continuous months","note":"The moratorium applies to the sums insured of the first policy; enhanced sums insured get their own sixty-month period from enhancement.","quote":"After completion of sixty continuous months of coverage (including portability and migration) in health insurance policy, no policy and claim shall be contestable by the insurer on grounds of non-disclosure, misrepresentation, except on grounds of established fraud. This period of sixty continuous months is called as moratorium period.","sources":[{"clause":"24","heading":"Moratorium Period","page":24,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627/document/18396#c-24"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"quote-verified","value":"At renewal, you may port the policy to another insurer. Portability means transfer of credits gained for pre-existing diseases and specific waiting periods from one insurer to another insurer.","display":"May port at renewal to another insurer with transfer of waiting-period credits","note":null,"quote":"Portability means a facility provided to the health insurance policyholders (including all members under family cover), to transfer the credits gained for, pre-existing diseases and specific waiting periods from one insurer to another insurer ... Migration and Portability: When your policy is due for renewal, you may migrate to another policy with us or port your policy to another insurer.","sources":[{"clause":null,"heading":"Portability","page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627/document/18396#c-portability"},{"clause":"Row 5(e)(iii)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627/document/18210#c-row-5-e-iii"}],"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":"Yes, lifelong renewal","note":null,"quote":"Renewal age: The policy offers lifelong renewal.","sources":[{"clause":"1(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627/document/18104#c-1-a"}],"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":"There are no loadings based on individual claims experience, and renewal premium will not alter based on individual claims experience.","display":"No claim-based loading","note":"Occupation-based loading may apply.","quote":"There will be no loadings based on individual claims experience. ... Renewal premium will not alter based on individual claims experience.","sources":[{"clause":"9","heading":"Loadings and Underwriting","page":18,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627/document/18396#c-9-2"},{"clause":"15(vii)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627/document/18396#c-15-vii"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"quote-verified","value":["Any Hospitalization consequent to any condition arising from or traceable to any disease of the organs of generation, malignant disease of mammary gland, pregnancy, childbirth, abortion or miscarriage","Disease, Injury, death or disablement directly or indirectly due to war","Circumcision or strictures, vaccination, inoculation, sex change, beauty treatment of any description, intentional self-injury","Dental treatment, eye treatment and plastic surgery unless necessitated as a consequence of an Injury","Any Injury present prior to the commencement of Policy Period","Any Medical Expenses not incurred in a Hospital or Day Care Centre","from intentional self-injury, suicide or attempted suicide","whilst under the influence of intoxicating liquor or drugs","whilst engaging in aviation or ballooning","arising or resulting from the Insured Person committing any breach of law with criminal intent","participation in winter sports, skydiving/parachuting, hang gliding, bungee jumping, scuba diving, mountain climbing","Arising from ionizing radiation or contamination by radioactivity","Directly or indirectly caused by or contributed by/ or arising from Nuclear weapon materials","Nuclear, Chemical, Biological Terrorism","All non-medical expenses listed in Annexure II (List I) of the Policy","Sanction Exclusion Clause"],"display":"Permanent exclusions include war, self-injury or suicide, intoxication, aviation/adventure sports, criminal breach of law, hazardous sports, prior injury, non-hospital medical expenses, nuclear/radiation/terrorism, non-medical expenses and sanctions","note":"The policy wording does not print standard exclusion codes Excl04 to Excl18.","quote":"i) Any Hospitalization consequent to any condition arising from or traceable to any disease of the organs of generation, malignant disease of mammary gland, pregnancy, childbirth, abortion or miscarriage ... ii) Disease, Injury, death or disablement directly or indirectly due to war ... iii) Circumcision or strictures, vaccination, inoculation, sex change, beauty treatment of any description, intentional self-injury ... iv) Dental treatment, eye treatment and plastic surgery unless necessitated as a consequence of an Injury ... v) Any Injury present prior to the commencement of Policy Period ... vi) Any Medical Expenses not incurred in a Hospital or Day Care Centre ... a) from intentional self-injury, suicide or attempted suicide; ... b) whilst under the influence of intoxicating liquor or drugs; ... c) whilst engaging in aviation or ballooning ... e) arising or resulting from the Insured Person committing any breach of law with criminal intent. ... participation in winter sports, skydiving/parachuting, hang gliding, bungee jumping, scuba diving, mountain climbing ... ix) Arising from ionizing radiation or contamination by radioactivity ... (x) Directly or indirectly caused by or contributed by/ or arising from Nuclear weapon materials ... Nuclear, Chemical, Biological Terrorism ... xii) All non-medical expenses listed in Annexure II (List I) of the Policy. ... Sanction Exclusion Clause","sources":[{"clause":"5(i)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627/document/18396#c-5-i"},{"clause":"5(ii)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627/document/18396#c-5-ii"},{"clause":"5(iii)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627/document/18396#c-5-iii"},{"clause":"5(iv)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627/document/18396#c-5-iv"},{"clause":"5(v)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627/document/18396#c-5-v"},{"clause":"5(vi)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627/document/18396#c-5-vi"},{"clause":"5(a)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627/document/18396#c-5-a"},{"clause":"5(b)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627/document/18396#c-5-b"},{"clause":"5(c)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627/document/18396#c-5-c"},{"clause":"5(e)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627/document/18396#c-5-e"},{"clause":"5(c)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627/document/18396#c-5-c-2"},{"clause":"25","heading":"Sanction Exclusion Clause","page":24,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627/document/18396#c-25"}],"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 may cancel at any time during the term by giving 7 days' written notice. For a 1-year policy, the insurer refunds proportionate premium for the unexpired policy period if no claim was made; for multi-year policies, future policy years are refunded in full and the started policy year is refunded pro rata if no claim was made, with medical-examination expenses deducted where applicable.","display":"7 days' notice; proportionate refund for unexpired period if no claim, with multi-year and medical-exam deduction rules","note":null,"quote":"The Policyholder may cancel his/her policy at any time during the term, by giving 7 days notice in writing. The Insurer shall - • For 1 year Policy- Refund proportionate premium for unexpired policy period subject to no claim (s) were made during the policy period. • For Multi Year Policy - o For any policy year where the risk date has not yet started, the premium will be refunded without any deduction. o For any policy year where the risk has started, the premium will be refunded on a prorata basis for that policy year, provided no claim has been made during the policy year and in full for future policy years. Additional Deductions: Notwithstanding the above, if (i) the risk under the Policy has already commenced, or (ii) only a part of the insurance coverage has commenced, and the option of Policy cancellation is exercised by the Policyholder, then expenses incurred by the Company on medical examination of the Policyholder will also be deducted before refunding of premium.","sources":[{"clause":"12(i)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627/document/18396#c-12-i"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"Claims are payable if the cause of action arises anywhere in the world. For Accidental Hospital Daily Cash Benefit, Accidental Hospitalization Expenses Reimbursement and Convalescence Benefit, the cause of action is restricted to India; all claims are payable in India in Indian rupees.","display":"Worldwide cause of action, except Section B benefits are India-only","note":null,"quote":"Claims under this Policy shall be payable if the cause of action arises anywhere in the world. For the below mentioned covers, the cause of action shall be restricted to India: Benefit 1: Accidental Hospital Daily Cash Benefit, Benefit 2: Accidental Hospitalization Expenses Reimbursement, Benefit 3: Convalescence Benefit, All Claims shall be payable in India and shall be in Indian Rupees only.","sources":[{"clause":"13","heading":"Cause of Action / Currency for Payments","page":20,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627/document/18396#c-13"}],"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":"CIS says: 'Free Look cancellation: You may cancel the insurance policy if you do not want it, within 15 days from the beginning of the policy.' Policy wording prevails.","quote":"The insured will be allowed a period of at least 30 days from the date of receipt of the policy to review the terms and conditions of the policy and to return the same if not acceptable","sources":[{"clause":"10","heading":"Free Look Period","page":19,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627/document/18396#c-10"},{"clause":"Row 5(e)(iii)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627/document/18210#c-row-5-e-iii"}],"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 Renewal premium should be paid to Us on or before the date of expiry of the Policy and in no case later than the Grace Period of 30 days from the expiry of the Policy.","sources":[{"clause":"15(ii)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627/document/18396#c-15-ii"}],"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 is 5 years. There is no maximum entry-age restriction.","display":"Minimum 5 years; maximum no restriction","note":"For ages 5 to 18 years, the proposer must be a parent, guardian, employer or administrator.","quote":"Minimum entry age: 5 years. For Insured Individual aged between 5 years and 18 years, the proposer needs to either of the parent(s)/guardian/employer/administrator. Maximum entry age: No restriction","sources":[{"clause":"1(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627/document/18104#c-1-a"}],"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 policy mentions ECS/Auto Debit and premium payment term, but does not state yearly, half-yearly, quarterly or monthly payment modes.","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":"quote-verified","value":["Carriage of Dead Body","Permanent Total Disablement Improvement Benefit","Permanent Partial Disablement Improvement Benefit","Children's Education Gran","Ambulance Charges","Funeral Expenses"],"display":"Extensions under Section A: Carriage of Dead Body, PTD Improvement Benefit, PPD Improvement Benefit, Children's Education Grant, Ambulance Charges and Funeral Expenses","note":"Extensions apply only if the applicable premium is received and the Policy Schedule specifies that the extension is in force. The plan prospectus prints 'Children's Education Gran'.","quote":"The following Extensions will be applicable under the Policy only if We have received the applicable premium due for that Extension in full and the Policy Schedule specifies that the Extension is in force for the Insured Person. ... Extension 1 | Carriage of Dead Body Extension 2 | Permanent Total Disablement Improvement Benefit Extension 3 | Permanent Partial Disablement Improvement Benefit Extension 4 | Children's Education Gran Extension 5 | Ambulance Charges Extension 6 | Funeral Expenses","sources":[{"clause":"3","heading":"EXTENSIONS UNDER SECTION A","page":8,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627/document/18396#c-3"},{"clause":null,"heading":"Extensions under Section A –","page":3,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627/document/18117#c-extensions-under-section-a"}],"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":"The insurer will not be liable to pay for any claim arising out of an Injury or Hospitalisation that occurred during the Grace Period, although policies renewed within the Grace Period keep continuity of cover.","display":"No claim is paid for Injury/Hospitalisation during the Grace Period","note":null,"quote":"We will not be liable to pay for any claim arising out of an Injury/Hospitalisation that occurred during the Grace Period. The provisions of Section 64VB of the Insurance Act 1938 shall be applicable. All policies Renewed within the Grace Period shall be eligible for continuity of cover.","sources":[{"clause":"15(ii)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627/document/18396#c-15-ii"}],"law":[]},{"key":"accidental_death","label":"Accidental death","section":"Cover","meaning":"What is paid if an accident causes death.","status":"quote-verified","value":"The policy pays the Sum Insured if the Insured Person dies solely and directly due to an injury sustained in an accident during the policy period, provided death occurs within 12 months from the accident. Once accepted and paid, the policy terminates for that Insured Person.","display":"Sum Insured if accidental injury causes death within 12 months","note":"Benefit is payable only if premium is received and the Policy Schedule specifies the Benefit is in force for that Insured Person.","quote":"The following Benefits applicable under the Policy only if We have received the applicable premium due for that Benefit in full and the Policy Schedule specifies that the Benefit is in force for the Insured Person. ... We will pay the Sum Insured if the Insured Person dies solely and directly due to an Injury sustained in an Accident which occurs during the Policy Period, provided that the Insured Person’s death occurs within 12 months from the date of that Accident. Once a claim has been accepted and paid under this Benefit then this Policy will automatically terminate in respect of that Insured Person.","sources":[{"clause":"2","heading":"SCOPE OF COVER UNDER SECTION A","page":6,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627/document/18396#c-2"},{"clause":"2.1","heading":"Benefit 1: Death resulting from Accident","page":6,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627/document/18396#c-2-1"}],"law":[]},{"key":"permanent_total_disability","label":"Permanent total disability","section":"Cover","meaning":"What is paid for permanent total disability.","status":"quote-verified","value":"The policy pays the Sum Insured if the Insured Person suffers listed Permanent Total Disablement solely and directly due to an accident during the policy period and within 12 months from that accident. Listed cases include loss of sight of both eyes, loss/use or physical separation of two hands or feet or one hand and one foot, and permanent total inability to engage in any employment or occupation.","display":"Sum Insured for listed Permanent Total Disablement within 12 months of accident","note":null,"quote":"We will pay the Sum Insured if the Insured Person suffers Permanent Total Disablement of the nature specified below solely and directly due to an Accident which occurs during the Policy Period provided that the Permanent Total Disablement occurs within 12 months from the date of that Accident: ... Loss of sight of both eyes, or Physical Separation/ Loss of Use of two entire hands or two entire feet, or one entire hand and one entire foot ... permanently, and totally, disable the Insured Person from engaging in any employment or occupation of any description whatsoever.","sources":[{"clause":"2.2","heading":"Benefit 2: Permanent Total Disablement (PTD) resulting from Accident","page":7,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627/document/18396#c-2-2"},{"clause":"2.2(i)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627/document/18396#c-2-2-i"},{"clause":"2.2(iii)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627/document/18396#c-2-2-iii"}],"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 pays the percentage of Sum Insured specified in the PPD table if accident causes listed Permanent Partial Disablement within 12 months. The table ranges from 1% for certain toe losses to 50% for one entire hand, one entire foot, loss of sight of one eye, or both ears, and multiple disablements are capped at the Sum Insured opted for this benefit.","display":"PPD table pays 1% to 50% of Sum Insured, capped at Sum Insured for multiple disablements","note":null,"quote":"We will pay the percentage of the Sum Insured specified below if the Insured Person suffers Permanent Partial Disablement of the nature specified below solely and directly due to an Accident which occurs during the Policy Period provided that the Permanent Partial Disablement occurs within 12 months of the date of that Accident. Maximum amount payable in respect of multiple nature of disablement (more than 100%) would be restricted to Sum Insured opted by the Insured for this Benefit as mentioned in the Policy Schedule ... One entire hand One entire foot Loss of Sight of one eye Loss of toes – all Great both phalanges Great – one phalanx Other than great if more than one toe lost | 50% 50% 50% 20% 5% 2% 1% ... Loss of Use of both ears | 50%","sources":[{"clause":"2.3","heading":"Benefit 3: Permanent Partial Disablement (PPD) resulting from Accident","page":7,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627/document/18396#c-2-3"}],"law":[]},{"key":"temporary_total_disability","label":"Temporary total disability","section":"Cover","meaning":"Weekly income paid while you cannot work after an accident.","status":"quote-verified","value":"If an accident injury completely incapacitates the Insured Person from any employment or occupation they were capable of performing at the time of the accident, the policy pays the weekly benefit specified in the Policy Schedule for each week of Temporary Total Disablement. Payment is for not more than 100 weeks and TTD must be certified to have commenced within 30 days from the accident.","display":"Weekly benefit as specified in the Policy Schedule, up to 100 weeks","note":null,"quote":"If the Insured Person sustains an Injury in an Accident which occurs during the Policy Period and which completely incapacitates the Insured Person from engaging in any employment or occupation of any description whatsoever which the Insured Person was capable of performing at the time of that Accident (Temporary Total Disablement), We will pay the weekly benefit specified in the Policy Schedule for each week for which the Temporary Total Disablement continues provided that: i) We will not make payment for more than 100 weeks ii) The Temporary Total Disablement is certified in writing by a Medical Practitioner to have commenced within 30 days from the date of that Accident.","sources":[{"clause":"2.4","heading":"Benefit 4: Temporary Total Disablement (TTD) resulting from Accident","page":8,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627/document/18396#c-2-4"}],"law":[]},{"key":"accident_medical","label":"Accident medical expenses","section":"Cover","meaning":"Treatment costs after an accident.","status":"quote-verified","value":"Accidental Hospitalization Expenses Reimbursement indemnifies medical expenses incurred on hospitalization for treatment of an injury sustained during an accident, subject to the Sum Insured for that benefit. Admission must be within 7 days of the accident, expenses must be reasonable and customary, pre and post hospitalization expenses are not paid, and claims are on reimbursement basis.","display":"Hospitalization medical expenses after accident, reimbursement basis, subject to Sum Insured; no pre/post hospitalization","note":null,"quote":"We will indemnify the Medical Expenses incurred on the Insured Person’s Hospitalization for treatment of an Injury sustained during an Accident which occurs during the Policy Period subject to the Sum Insured as mentioned against this benefit in the Policy Schedule provided that: i) The Insured Person’s Admission to Hospital for Medically Necessary Treatment is within 7 days of the occurrence of the Accident. ii) The Medical Expenses incurred are Reasonable and Customary Charges. ... iv) We shall not be liable to pay any pre and post hospitalization expenses incurred as result of Accident. v) The mode of payment of claim would be on reimbursement basis","sources":[{"clause":"4.2","heading":"Benefit 2: Accidental Hospitalization Expenses Reimbursement","page":11,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627/document/18396#c-4-2"}],"law":[]},{"key":"occupation_classes","label":"Occupation rules","section":"Eligibility","meaning":"Whether your job affects cover or premium.","status":"quote-verified","value":"Occupation affects underwriting and premium. The prospectus lists Risk Groups I, 2 and 3 by occupation, and the policy may apply a 100% occupation loading for first-time buyers; there are no loadings based on individual claims experience.","display":"Risk Groups I, 2 and 3; 100% occupation loading may apply","note":null,"quote":"Risk Category: Risk Group Table Risk | Description Group I | Doctors, Lawyers, Accountants, Architects, Consulting engineers, Teachers, Bankers Persons engaged in clerical functions & administrative functions and persons primarily engaged in occupations of similar hazard 2 | Builders, Contractors, Engineers on site engaged in superintending functions only, Veterinary Doctors workers, Mechanics, Drivers, Manual labourers (except those falling under Group III) & such other persons engaged in occupation of similar hazard 3 | Persons working in mines, explosives, Electrical installations on high tension lines, Racing, Circus People, skiing, mountaineering, big game hunting, ballooning, hang gliding, river rafting, winter sports, skiing, ice hockey, polo & such other persons engaged in occupation of similar hazard ... We may apply an additional risk loading for Insured persons buying the Policy for the first time based on occupation. ... In such cases, 100% loading of premium will be applied against occupation. There will be no loadings based on individual claims experience.","sources":[{"clause":"1(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627/document/18104#c-1-a"},{"clause":"9","heading":"Loadings and Underwriting","page":18,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627/document/18396#c-9-2"}],"law":[]}],"documents":[{"kind":"wording","label":"Accident Care","pages":27,"fetched_at":"2026-10-17 20:20:26+00","source_url":"https://cms.zurichkotak.com/uploads/Accident_Care_Policy_Wording_Website_d446bb0646_d591cc744d_3_99cc52a1ea.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627/document/18396"},{"kind":"prospectus","label":"Accident Care - Excel Plan","pages":10,"fetched_at":"2026-10-17 20:03:56+00","source_url":"https://cms.zurichkotak.com/uploads/KAC_Prospectus_Plan_Excel_27_09_2024_Final_0846866a10_77c4291704_4a86519e78_29a3813d3a.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627/document/18104"},{"kind":"prospectus","label":"Accident Care - Premium Plan","pages":14,"fetched_at":"2026-10-17 20:04:14+00","source_url":"https://cms.zurichkotak.com/uploads/KAC_Prospectus_Plan_Premium_27_09_2024_Final_6226ee8318_94b6ef8109_f18576daa3_8bb68ef1eb.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627/document/18111"},{"kind":"prospectus","label":"Accident Care - Prime Plan","pages":15,"fetched_at":"2026-10-17 20:04:30+00","source_url":"https://cms.zurichkotak.com/uploads/KAC_Prospectus_Plan_Prime_27_09_2024_Final_docx_a55cdc1be6_a70e6dd648.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627/document/18117"},{"kind":"cis","label":"Accident Care","pages":7,"fetched_at":"2026-10-17 20:09:18+00","source_url":"https://cms.zurichkotak.com/uploads/Accident_Care_CIS_ZK_V1_25_26_23042025_4f60a99266.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627/document/18210"},{"kind":"benefit-illustration","label":"Accident Care – Benefit Illustration","pages":1,"fetched_at":"2026-10-17 20:03:00+00","source_url":"https://cms.zurichkotak.com/uploads/Benefit_Illustration_Accident_Care_600a579c0c.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627/document/18084"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Zurich Kotak General Insurance ( ) official website","url":"https://www.zurichkotak.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","url":"https://www.zurichkotak.com/services/claims","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 process","url":"https://www.zurichkotak.com/customer-support/grievance-redressal-process","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"renew","kind":"insurer","name":"Renewals","url":"https://www.zurichkotak.com/renewal","note":null}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Accident Care (UIN ZUKPAIP27069V062627), IndiaInsurances, https://indiainsurances.com/policy/zurich-kotak-general-insurance/accident-care-zukpaip27069v062627"}