{"uin":"ZUKTIOP25061V022425","name":"Smart Travel","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425","insurer":{"slug":"zurich-kotak-general-insurance","name":"Zurich Kotak General Insurance Company (India) Limited","url":"https://indiainsurances.com/insurer/zurich-kotak-general-insurance"},"line":"general","category":"travel","category_name":"Travel insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Smart Travel is an overseas travel insurance product with single trip and annual multi-trip variants and geography plans for Asia, Schengen, worldwide including USA and Canada, and worldwide excluding USA and Canada. It covers medical expenses, travel inconvenience, accident and other covers, with single trips up to 365 days and annual multi-trip per-trip choices of 15 days, 30 days, 45 days, 60 days or 90 days.","analysis":{"state":"machine","analysed_at":"2026-10-20 06:35:37.157233+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":["Schengen: Silver, Gold, Platinum, Platinum Plus, Senior","Asia: Excel, Prime","Worldwide Excluding USA and Canada: Silver, Gold, Platinum, Platinum Plus, Senior","Worldwide Including USA and Canada: Silver, Gold, Platinum, Platinum Plus, Senior"],"display":"Schengen: Silver, Gold, Platinum, Platinum Plus, Senior; Asia: Excel, Prime; Worldwide Excluding USA and Canada: Silver, Gold, Platinum, Platinum Plus, Senior; Worldwide Including USA and Canada: Silver, Gold, Platinum, Platinum Plus, Senior","note":null,"quote":"Geography | Schengen\nPlan Name | Silver | Gold | Platinum | Platinum Plus | Senior ... Geography | Asia\nPlan Name | Excel | Prime ... Geography | Worldwide Excluding USA and Canada\nPlan Name | Silver | Gold | Platinum | Platinum Plus | Senior ... Geography | Worldwide Including USA and Canada\nPlan Name | Silver | Gold | Platinum | Platinum Plus | Senior","sources":[{"clause":null,"heading":"Plan Details 1. Schengen","page":68,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425/document/18181#c-plan-details-1-schengen"},{"clause":null,"heading":"2. Asia","page":71,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425/document/18181#c-2-asia"},{"clause":null,"heading":"3. Worldwide Excluding USA and Canada","page":74,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425/document/18181#c-3-worldwide-excluding-usa-and-canada"},{"clause":null,"heading":"4. Worldwide Including USA and Canada","page":78,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425/document/18181#c-4-worldwide-including-usa-and-canada"}],"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":"Single Trip policies can run from 1 Day up to 365 days, including extensions. Annual Multi-Trip policies have a 1 year policy tenure, with maximum days per trip of 15 days, 30 days, 45 days, 60 days or 90 days.","display":"Single Trip: 1 Day to 365 days; Annual Multi-Trip: 1 year with 15, 30, 45, 60 or 90 days per trip","note":null,"quote":"Single Trip\n- Minimum Tenure - 1 Day\n- Maximum Tenure –The maximum number of travel days under a single trip - 365 days.\n- Travel Extension can be done however total Policy Period shall not exceed 365 days ... Annual Multi-Trip\n- Policy Tenure - 1 year\n- Maximum Number of Days Per trip in Annual Multi trip – 15 days, 30 days, 45 days, 60 days, 90 days","sources":[{"clause":"13","heading":"Policy Tenure","page":68,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425/document/18398#c-13-2"}],"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":"For any claim, immediate notice within 7 days from the date of loss or incident must be given to the Assistance Service Provider. For medical hospitalisation, planned hospitalisation must be reported five days before admission, emergency hospitalisation within one day or as soon as reasonably possible and before discharge, and reimbursement claims within 30 days from completion of hospital treatment.","display":"Immediate notice within 7 days; planned hospitalisation 5 days before admission; emergency hospitalisation within 1 day or before discharge; medical reimbursement within 30 days of treatment completion","note":null,"quote":"On facing a contingency which shall result in a claim under any of the Benefits under this Policy, immediate notice (within 7 days from the date of loss/ incident) thereof shall be given by the Insured to the Assistance Service Provider ... ii) For planned Hospitalisation: Five days before admission in the Hospital. ... iii) For emergency Hospitalisation: within one day or as soon as is reasonably possible but in any case, before discharge from the Hospital. ... For reimbursement claims, the Insured should report the contingency/ claim within 30 days from the date of completion of treatment in the Hospital.","sources":[{"clause":"Part 4","heading":"CLAIMS PROCEDURE – APPLICABLE TO ALL SECTIONS","page":62,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425/document/18398#c-part-4"},{"clause":"1.2(ii)","heading":"For planned Hospitalisation","page":11,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425/document/18398#c-1-2-ii"},{"clause":"1.2(iii)","heading":"For emergency Hospitalisation","page":11,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425/document/18398#c-1-2-iii"},{"clause":"1.2(iv)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425/document/18398#c-1-2-iv"}],"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":["original used ticket or the boarding pass in original or a photocopy of the passport indicating the travel dates","Duly completed and signed Claim form in original","Photo Identity Proof","Medical reports and discharge summary","Bills/ receipts","Property irregularity report","Police Report","Attested Copy of Death certificate","Any other document(s) that the Company requires"],"display":"Claim form, photo ID, travel proof, medical reports and bills, carrier or police reports where applicable, death certificate where applicable, and any other documents required by the insurer","note":"Documents vary by the cover and contingency claimed.","quote":"Each and every claim preferred under the policy irrespective of the Benefits of cover which they relate to shall be accompanied by original used ticket or the boarding pass in original or a photocopy of the passport indicating the travel dates ... • Duly completed and signed Claim form in original as prescribed by Us. ... • 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 ... i. Medical reports and discharge summary issued by the Hospital furnishing the name of the Insured, period of treatment, details of treatment rendered.\nii. Bills/ receipts ... ii) Property irregularity report issued by the Common Carrier. ... • Police Report obtained within 24 hours of the Insured Person becoming aware of the theft needs to be submitted. ... • Attested Copy of Death certificate issued by the office of Registrar of Birth & Deaths; ... Any other document(s) that the Company requires from the Insured to process the claim and prove the authenticity of the loss may be asked for.","sources":[{"clause":"Part 4","heading":"CLAIMS PROCEDURE – APPLICABLE TO ALL SECTIONS","page":62,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425/document/18398#c-part-4"},{"clause":null,"heading":"Claims Procedure applicable to Section 3 – Accident Cover","page":37,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425/document/18398#c-claims-procedure-applicable-to-section-3-acciden"},{"clause":"1.2(iv)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425/document/18398#c-1-2-iv"},{"clause":"2.1(ii)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425/document/18398#c-2-1-ii"},{"clause":null,"heading":"Claims Procedure applicable to 2.10","page":32,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425/document/18398#c-claims-procedure-applicable-to-2-10"},{"clause":null,"heading":"Claim Documentation","page":63,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425/document/18398#c-claim-documentation"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The Company shall settle or reject a claim within 15 days from receipt of the claim along with the claim form and necessary documents. If payment is delayed, interest is payable from receipt of the last necessary document to payment at 2% above the bank rate.","display":"Within 15 days from receipt of claim with claim form and necessary documents; delayed payment earns 2% above bank rate","note":null,"quote":"The Company shall settle or reject a claim, as the case may be, within 15 days from the date of receipt of claim along with claim form (and necessary documents).. ... In the case of delay in the payment of a claim, the Company shall be liable to pay interest to the policyholder from the date of receipt of last necessary document to the date of payment of claim at a rate 2% above the bank rate.","sources":[{"clause":"10(i)","heading":null,"page":67,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425/document/18398#c-10-i"},{"clause":"10(ii)","heading":null,"page":67,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425/document/18398#c-10-ii"}],"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 claim relating to events occurring before the commencement of the Trip covered hereunder and any time after the completion of the Trip","A claim which is fraudulent in any respect","Where the Insured Person is travelling against the advice of a Physician","Any Pre-existing Condition or any complication arising from it unless specifically covered in the Policy.","Any claim relating to Adventure Sports or Hazardous Activities, unless specifically covered in the Policy.","Suicide, attempted suicide (whether sane or insane) or intentionally self-inflicted Injury or Illness","Serving in any branch of the Military or Armed Forces of any country","Being under the influence of drugs, alcohol, or other intoxicants or hallucinogens","Pregnancy and all related conditions","Participation in an actual or attempted felony, riot, crime, misdemeanour, or civil commotion.","Any loss arising out of War, civil war, invasion, insurrection, revolution, act of foreign enemy, hostilities","Any Policy which is bought after the Insured Person has left the Country of Residence."],"display":"Main exclusions include claims before/after the trip, fraud, travel against medical advice, pre-existing conditions unless covered, adventure sports unless covered, suicide or self-injury, military service, intoxication, pregnancy, crime or civil commotion, war and policies bought after leaving the country of residence.","note":null,"quote":"Any claim relating to events occurring before the commencement of the Trip covered\nhereunder and any time after the completion of the Trip ... A claim which is fraudulent in any respect ... Where the Insured Person is travelling against the advice of a Physician ... Any Pre-existing Condition or any complication arising from it unless specifically covered in the Policy. ... Any claim relating to Adventure Sports or Hazardous Activities, unless specifically covered in the Policy. ... Suicide, attempted suicide (whether sane or insane) or intentionally self-inflicted Injury or Illness ... Serving in any branch of the Military or Armed Forces of any country ... Being under the influence of drugs, alcohol, or other intoxicants or hallucinogens ... Pregnancy and all related conditions ... Participation in an actual or attempted felony, riot, crime, misdemeanour, or civil commotion. ... Any loss arising out of War, civil war, invasion, insurrection, revolution, act of foreign enemy, hostilities ... Any Policy which is bought after the Insured Person has left the Country of Residence.","sources":[{"clause":"1","heading":"Any claim relating to events occurring before the commencement of the Trip covered","page":61,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425/document/18398#c-1"},{"clause":"2","heading":null,"page":61,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425/document/18398#c-2"},{"clause":"3","heading":null,"page":61,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425/document/18398#c-3"},{"clause":"4","heading":null,"page":61,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425/document/18398#c-4"},{"clause":"6","heading":null,"page":61,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425/document/18398#c-6-2"},{"clause":"7","heading":null,"page":61,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425/document/18398#c-7-2"},{"clause":"8","heading":"Serving in any branch of the Military or Armed Forces of any country, whether in peace or","page":61,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425/document/18398#c-8-2"},{"clause":"9","heading":null,"page":61,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425/document/18398#c-9"},{"clause":"10","heading":null,"page":61,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425/document/18398#c-10"},{"clause":"11","heading":null,"page":61,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425/document/18398#c-11"},{"clause":"13","heading":null,"page":61,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425/document/18398#c-13"},{"clause":"21","heading":null,"page":62,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425/document/18398#c-21"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact Zurich Kotak through its website, toll-free number, e-mail, courier address or any branch grievance cell; if not satisfied, contact the grievance officer at grievanceofficer@zurichkotak.com. If still not satisfied, the insured may approach the Insurance Ombudsman or lodge a grievance on the Bima Bharosa Portal.","display":"First contact Zurich Kotak or its branch grievance cell, then grievanceofficer@zurichkotak.com; afterwards Insurance Ombudsman or Bima Bharosa","note":null,"quote":"In case of any grievance the insured person may contact the company through Website: www.zurichkotak.com Toll free: 1800 2120 E-mail: care@zurichkotak.com Courier: Zurich Kotak General Insurance Company (India) Limited ... Insured person may also approach the grievance cell at any of the company's branches with the details of grievance ... insured person may contact the grievance officer at grievanceofficer@zurichkotak.com ... the insured person may also approach the office of Insurance Ombudsman of the respective area/region for redressal of grievance ... Grievance may also be lodged at Bima Bharosa Portal– https://bimabharosa.irdai.gov.in/","sources":[{"clause":"9","heading":"Redressal of Grievance","page":66,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425/document/18398#c-9-2"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["Medical Expenses – Accident and Illness","Medical Evacuation","Loss of Checked-in Baggage","Delay of Checked-in Baggage","Trip Delay","Trip Cancellation","Trip Interruption/Curtailment","Loss of Passport and other travel documents","Personal Accident","Personal Liability","Automatic Extension of Policy"],"display":"Covered risks include emergency medical expenses, medical evacuation, baggage loss or delay, trip delay, trip cancellation, trip interruption or curtailment, loss of passport and travel documents, personal accident, personal liability and automatic extension of policy.","note":"Covers are available only if mentioned in the Policy Schedule for the selected plan.","quote":"Covers will be available to the Insured Person, only if that particular cover is specifically mentioned in the Policy Schedule as per the Plan opted by You ... 1.1 Medical Expenses – Accident and Illness ... 1.3 Medical Evacuation ... 2.1 Loss of Checked-in Baggage ... 2.2 Delay of Checked-in Baggage ... 2.3 Trip Delay ... 2.4 Trip Cancellation ... 2.5 Trip Interruption/Curtailment ... 2.10 Loss of Passport and other travel documents ... 3.1 Personal Accident ... 4.1 Personal Liability ... 4.16 Automatic Extension of Policy","sources":[{"clause":"Part 2","heading":"SCOPE OF COVER","page":9,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425/document/18398#c-part-2"},{"clause":"1.1","heading":"Medical Expenses – Accident and Illness","page":9,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425/document/18398#c-1-1"},{"clause":"1.3","heading":"Medical Evacuation","page":12,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425/document/18398#c-1-3"},{"clause":"2.1","heading":"Loss of Checked-in Baggage","page":20,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425/document/18398#c-2-1"},{"clause":"2.2","heading":"Delay of Checked-in Baggage","page":21,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425/document/18398#c-2-2"},{"clause":"2.3","heading":"Trip Delay","page":22,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425/document/18398#c-2-3"},{"clause":"2.4","heading":"Trip Cancellation","page":23,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425/document/18398#c-2-4"},{"clause":"2.5","heading":"Trip Interruption/Curtailment","page":24,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425/document/18398#c-2-5"},{"clause":"2.10","heading":"Loss of Passport and other travel documents","page":32,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425/document/18398#c-2-10"},{"clause":"3.1","heading":"Personal Accident","page":33,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425/document/18398#c-3-1"},{"clause":"4.1","heading":"Personal Liability","page":38,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425/document/18398#c-4-1"},{"clause":null,"heading":"4.16 Automatic Extension of Policy","page":58,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425/document/18398#c-4-16-automatic-extension-of-policy"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The policyholder may cancel during the term by giving 7 days notice in writing, and the insurer will refund proportionate premium for the unexpired policy period if no claims were made. If the Company cancels for misrepresentation, non-disclosure of material facts or fraud after 15 days' written notice, there is no refund.","display":"Proportionate premium for unexpired policy period after 7 days written notice, if no claim was made","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 refund proportionate premium for unexpired policy period subject to no claim(s) were made during the policy period ... The Company may cancel the policy at any time on grounds of misrepresentation non-disclosure of material facts, fraud by the insured person by giving 15 days' written notice. There would be no refund of premium on cancellation on grounds of misrepresentation, non-disclosure of material facts or fraud.","sources":[{"clause":"24(a)","heading":null,"page":72,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425/document/18398#c-24-a"},{"clause":"24(b)","heading":null,"page":72,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425/document/18398#c-24-b"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"The product has geography options for Asia, Worldwide Including USA & Canada, Worldwide Excluding USA & Canada, and Schengen. The insurance cover applies to countries stated in the Policy Schedule, except countries where the insured has a permanent place of residence.","display":"Asia; Worldwide Including USA & Canada; Worldwide Excluding USA & Canada; Schengen, as selected","note":null,"quote":"Geography wise plans options\n• Asia\n• Worldwide Including USA & Canada\n• Worldwide Excluding USA & Canada\n• Schengen ... The insurance cover applies to all countries stated in the Policy Schedule, except those countries, where the Insured has a permanent place of residence.","sources":[{"clause":"1","heading":"Geography wise plans options","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425/document/18181#c-1"},{"clause":null,"heading":"Transfer and Set-off of Claims","page":64,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425/document/18398#c-transfer-and-set-off-of-claims"}],"law":[]},{"key":"medical_cover","label":"Medical cover abroad","section":"Cover","meaning":"Emergency medical and hospital costs while travelling, and the limit.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"ped_cover","label":"Pre-existing conditions","section":"Cover","meaning":"Whether emergencies from existing conditions are covered.","status":"quote-verified","value":"Pre-existing conditions are generally excluded unless specifically covered, but life-threatening medical condition emergency measures to relieve acute pain are reimbursed up to 10% of the Medical Expenses - Accident and Illness Sum Insured or USD/Euro 10000 per policy, whichever is lower. If Pre-existing Disease Cover is opted, declared, accepted and noted in the Policy Schedule, Section 1 - 1.1 is extended up to the Pre-existing disease cover Sum Insured.","display":"Generally excluded, except life-threatening emergency measures up to 10% of SI or USD/Euro 10000; optional declared PED cover may apply","note":"Optional Pre-existing Disease Cover applies only if the pre-existing condition is declared at policy inception, accepted by the insurer and noted in the Policy Schedule.","quote":"Any Pre-existing condition /ailments or any complication arising from it; except in case of Life-threatening medical condition and also where \"Pre-existing disease cover\" is opted for and the pre-existing condition is declared in the proposal and accepted by Us and noted in the Policy Schedule. ... In such event of Life threatening medical condition, emergency measures solely designed to relieve acute pain, provided to the Insured by the Physician for Disease/accident arising out of a pre-existing condition would be reimbursed up to 10% of 1.1 Medical Expenses - Accident and Illness Sum Insured or USD/Euro 10000 per policy whichever is lower. ... By Opting this cover, this Policy is extended to indemnify the Insured for Section 1 - 1.1 (Medical Expenses – Accident and Illness) against Pre-existing conditions and its related complications upto the Pre-existing disease cover Sum Insured specified in Policy Schedule.","sources":[{"clause":null,"heading":"Exclusions applicable to Section 1: Medical Covers","page":18,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425/document/18398#c-exclusions-applicable-to-section-1-medical-cover"},{"clause":"1.9","heading":"Pre - existing Disease Cover","page":17,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425/document/18398#c-1-9"}],"law":[]},{"key":"trip_cancellation","label":"Trip cancellation and curtailment","section":"Cover","meaning":"Refund of non-refundable costs if you must cancel or cut short a trip.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"baggage","label":"Baggage loss and delay","section":"Cover","meaning":"Cover for checked baggage lost or delayed.","status":"quote-verified","value":"Loss of Checked-in Baggage indemnifies the value of checked-in baggage totally lost while in the custody of the Common Carrier, with liability for a single bag limited to 50% of the Sum Insured when more than one bag is checked. Delay of Checked-in Baggage pays a fixed allowance when receipt of all checked-in baggage is delayed beyond the period specified in the Policy Schedule; no liability applies for delay at the port of the insured's country of residence.","display":"Checked-in baggage total loss and delay are covered, subject to Policy Schedule limits and deductibles","note":"Plan charts show Loss of Checked-in Baggage limits from USD/Euro 500 to USD/Euro 1,000 and Delay of Checked-in Baggage limits from USD/Euro 100 to USD/Euro 500 depending on plan.","quote":"15 | Loss of Checked-in Baggage | USD 50 / Euro 50 | USD 500 | USD 500 ... 16 | Delay of Checked-in Baggage | 12 Hours | USD 100 | USD 100 ... 15 | Loss of Checked-in Baggage | USD 50 / Euro 50 | USD 500 | USD 500 | USD 750 | USD 1,000 | USD 500\n16 | Delay of Checked-in Baggage | 12 Hours | USD 100 | USD 100 | USD 200 | USD 500 | USD 100 ... 15 | Loss of Checked-in Baggage | USD 50 / Euro 50 | Euro 500 | Euro 500 | Euro 750 | Euro 1,000 | Euro 500\n16 | Delay of Checked-in Baggage | 12 Hours | Euro 100 | Euro 100 | Euro 200 | Euro 500 | Euro 100","sources":[{"clause":"2.1","heading":"Loss of Checked-in Baggage","page":20,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425/document/18398#c-2-1"},{"clause":"2.2","heading":"Delay of Checked-in Baggage","page":21,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425/document/18398#c-2-2"},{"clause":null,"heading":"2. Asia","page":71,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425/document/18181#c-2-asia-2"},{"clause":null,"heading":"3. Worldwide Excluding USA and Canada","page":74,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425/document/18181#c-3-worldwide-excluding-usa-and-canada-2"},{"clause":null,"heading":"Plan Details 1. Schengen","page":68,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425/document/18181#c-plan-details-1-schengen-2"}],"law":[]},{"key":"passport_loss","label":"Passport loss","section":"Cover","meaning":"Costs of replacing a lost passport.","status":"quote-verified","value":"The policy pays expenses necessarily incurred in obtaining duplicate travel documents during the Period of Insurance if travel documents are lost due to robbery, burglary, theft or natural disasters during the trip while on foreign land, up to the Sum Insured in the Policy Schedule. Travel Documents include Passport, International Driving License, Temporary Permit, Visa and other necessary travel documents.","display":"Covers expenses for duplicate passport and other travel documents lost abroad due to robbery, burglary, theft or natural disasters","note":"Plan charts show Loss of Passport and other travel documents limits of USD/Euro 300 or USD/Euro 500 depending on plan.","quote":"24 | Loss of Passport and other travel documents | NA | USD 300 | USD 300 ... 24 | Loss of Passport and other travel documents | NA | USD 300 | USD 300 | USD 500 | USD 500 | USD 300 ... 24 | Loss of Passport and other travel documents | NA | Euro 300 | Euro 300 | Euro 500 | Euro 500 | Euro 300","sources":[{"clause":"2.10","heading":"Loss of Passport and other travel documents","page":32,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425/document/18398#c-2-10"},{"clause":null,"heading":"2. Asia","page":71,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425/document/18181#c-2-asia-2"},{"clause":null,"heading":"3. Worldwide Excluding USA and Canada","page":74,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425/document/18181#c-3-worldwide-excluding-usa-and-canada-2"},{"clause":null,"heading":"Plan Details 1. Schengen","page":68,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425/document/18181#c-plan-details-1-schengen-2"}],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"Amount you bear per claim.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"max_trip_days","label":"Trip length","section":"Eligibility","meaning":"Longest trip covered, single or multi-trip.","status":"quote-verified","value":"A single trip may be insured for up to 365 days, including travel extensions. Under an Annual Multi-Trip policy, the maximum number of days per trip can be 15 days, 30 days, 45 days, 60 days or 90 days.","display":"Single trip up to 365 days; annual multi-trip per trip 15, 30, 45, 60 or 90 days","note":null,"quote":"Maximum Tenure –The maximum number of travel days under a single trip - 365 days.\n- Travel Extension can be done however total Policy Period shall not exceed 365 days ... Maximum Number of Days Per trip in Annual Multi trip – 15 days, 30 days, 45 days, 60 days, 90 days","sources":[{"clause":"13","heading":"Policy Tenure","page":68,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425/document/18398#c-13-2"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Free-look, if the policy offers one (usually annual multi-trip policies only): days after you receive the policy in which you can return it for a refund.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Applicable only for Annual Multi Trip Policy and not for Single Trip Policy.","quote":"The insured person shall be allowed free look period of thirty days from date of receipt of the policy document to review the terms and conditions of the policy, and to return the same if not acceptable. ... Free look period will be applicable only for Annual Multi Trip Policy and not for Single Trip Policy.","sources":[{"clause":"25","heading":"Free Look Period","page":72,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425/document/18398#c-25-2"},{"clause":"25(ii)","heading":null,"page":72,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425/document/18398#c-25-ii"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"For Single Trip, the minimum entry age is 3 months and there is no upper age limit. For Annual Multi Trip, the minimum entry age is 18 years and the maximum age is 70 years.","display":"Single Trip: 3 months to no upper limit; Annual Multi Trip: 18 years to 70 years","note":null,"quote":"• Single Trip\n- Minimum Entry age - 3 months\n- Maximum Age – No Upper Limit\n• Annual Multi Trip\n- Minimum Entry Age -18 years\n- Maximum Age- 70 Years","sources":[{"clause":"11","heading":"Age Limit","page":67,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425/document/18398#c-11-2"}],"law":[]}],"documents":[{"kind":"wording","label":"Smart Travel","pages":82,"fetched_at":"2026-10-17 20:20:32+00","source_url":"https://cms.zurichkotak.com/uploads/Smart_Travel_Policy_Wording_35f042018f.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425/document/18398"},{"kind":"prospectus","label":"Smart Travel","pages":81,"fetched_at":"2026-10-17 20:07:38+00","source_url":"https://cms.zurichkotak.com/uploads/Smart_Travel_Prospectus_1318e5a70c.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425/document/18181"},{"kind":"cis","label":"Smart Travel - CIS","pages":12,"fetched_at":"2026-10-17 20:02:58+00","source_url":"https://cms.zurichkotak.com/uploads/Smart_Travel_CIS_v1_25_26_30102025_1c7070cf5f_7648013f47.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425/document/18089"},{"kind":"brochure","label":"Smart Travel - Brochure","pages":20,"fetched_at":"2026-10-17 20:05:06+00","source_url":"https://cms.zurichkotak.com/uploads/Smart_Travel_Brochure_096f712949.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425/document/18145"},{"kind":"benefit-illustration","label":"Smart Travel (Silver Plan) – Benefit Illustration","pages":1,"fetched_at":"2026-10-17 20:05:44+00","source_url":"https://cms.zurichkotak.com/uploads/Smart_Travel_Silver_Plan_Benefit_Illustration_5deef711a3.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425/document/18143"}],"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":"Smart Travel (UIN ZUKTIOP25061V022425), IndiaInsurances, https://indiainsurances.com/policy/zurich-kotak-general-insurance/smart-travel-zuktiop25061v022425"}