Customer Care Helpline :1800 22 4030, 1800 200 4030, 022 - 27 63 9800, 022 - 39 13 3700

Health Product Customers Helpline:1800 200 5142, 022 - 39 63 5200

 

Section1:Crop Insurance

(Pradhan Mantri Fasal Bima Yojna(PMFBY) /Weather Based Crop Insurance Scheme(WBCIS)

Section2: Personal Accident Insurance

(Coverage as per Pradhan Mantri Suraksha Bima Yojana-PMSBY)

Details of Scheme:

The scheme will be a one year cover,renewable from year to year,Accident Insurance Scheme offering accident al death and disability cover for death or disability on account of an accident.There will be no change in the existing relationship structure of Bank-insurance company which was established for PMSBY andhereal so the premium will be submitted to the insurance company with which bank is already tied up.If the farmer has already availed this section in the form of PMSBY,he/she need not to choose this section again.However,he/she is required to provide the detail of the policy which will be captured in proposal cumdeclaration form under PMFBY.

Scope of coverage:

All farmers eligible for crop insurance under PMFBY/WBCIS in the age 18 to 70 years will be entitled to join. In case of multiple saving bank accounts held by an individual in one or different banks, the person would be eligible to join the scheme through one savings bank account only. Aadhar would be the primary KYC for the bank account.

Enrollment Modality / Period:

For new enrolments, the cover shall be provided for one year period starting from the date of enrolment or 1st June, whichever is later and the cover will end on next 31st May under PMFBY. New entrants into the eligible category from year to year or currently eligible individuals who did not join earlier shall be able to join in future years while the scheme is continuing.

  Table of Benefits (anyone will be applicable) Sum Insured
a . Death Rs. 2 Lakh
b . Total and irrecoverable loss of both eyes or loss of use of both hands or feet or loss of sight of one eye and loss of use of hand or foot Rs. 2 Lakh
c . Total and irrecoverable loss of sight of one eye or loss of use of one hand or foot Rs. 1 Lakh

Premium:

Rs.12/- per annum per member. The premium will be deducted from the account holder‟s savings bank account through „auto debit‟ facility in one installment with in the cut off dates as mentioned under PMFBY.

Master Policy Holder:

As mentioned in PMSBY, Participating Bank will be the Master policy holder on behalf of the participating subscribers.

Termination of cover:

The accident cover for the member shall terminate on any of the following events and no benefit will be payable there under

  • On attaining age 70 years (age nearest birthday).
  • At the time of renewal, closure of account with the Bank or insufficiency of balance to keep the insurance in force.
  • In case a member is covered through more than one account and premium is received by the Insurance Company inadvertently, insurance cover will be restricted to one only and the premium shall be liable to be forfeited.
  • If the insurance cover is ceased due to any technical reasons such as insufficient balance on due date for renewal or due to any administrative issues, the same can be reinstated on receipt of full annual premium, subject to conditions that may be laid down. During this period, the risk cover will be suspended and reinstatement of risk cover will be at the sole discretion of Insurance Company

Administration of PMSBY:

PMSBY, subject to the above, will be administered as per the standard procedure stipulated by the Insurance Company. The data flow process and data proforma will be provided separately.

It will be the responsibility of the participating bank to recover the appropriate annual premium from the account holders within the prescribed period through „auto-debit‟ process

Enrollment form / Auto-debit authorization in the prescribed proforma shall be obtained and retained by the participating bank. In case of claim, the Insurance Company may seek submission of the same. Insurance Company reserves the right to call for these documents at any point of time.

The experience of the scheme will be monitored on yearly basis for re-calibration etc., as may be necessary.

Appropriation of Premium:

  • Insurance Premium to Insurance Company: Rs.10/- per annum per member
  • Reimbursement of Expenses to BC/Micro/Corporate/Agent : Rs.1/- per annum per member
  • Reimbursement of Administrative expenses to participating Bank: Rs.1/- per annum per member .The scheme is liable to be discontinued prior to commencement of a new future renewal date if circumstances so require.

Section 3: Building and Contents Insurance (Fire & Allied Perils)

The indemnity under this section is based on fixed sum Insured basis (maximum liability of the insurer will be sum insured or actual loss whichever is less)

The Company will indemnify the Insured in respect of loss of or damage to the Buildings/ Contents whilst contained in the insured premises by:

  • Fire, Lighting, Explosion of gas in domestic appliances,
  • Bursting and overflowing of water tanks, apparatus or pipes,
  • Aircraft or articles dropped therefrom,
  • Riot, Strike, or Malicious damage
  • Earthquake, (Fire and / or Shock) Subsidence and Landslide (including Rockslide) damage
  • Flood, inundation, storm, tempest, typhoon, hurricane, Tornado or Cyclone.
  • Impact damage
  • Bush Fire

Enrollment of Farmers: The farmers shall provide the basic details of their home and dwellings in the proposal form. It shall include complete address of the house. The Sum insured has been capped at Rs.50,000 for building and Rs.20,000 for contents.

Claim process methodology:

  • In case of damage due to above mentioned perils, farmers shall intimate the concerned insurance company via phone or in writing within 72 hours. For intimation, farmers may choose to intimate directly to insurance company or through financial institutions/same intermediary channel vide which they have availed insurance. It is necessary to share unique reference number of proposal cum declaration form while intimating the claims. No repair/reinstatement to be carried out until loss assessment procedure is completed.
  • The claim is admissible only if the premium is paid with in the cut off dates as mentioned in section 1 of PMFBY/WBCIS
  • Farmer will extend full co-operation to the surveyor appointed by the insurance company and provide necessary documents to substantiate the loss. A claim form issued by the company is also to be submitted.
  • Basis of claim settlement would be market value of the property on the date of loss. Insurance company gets the survey done of the site within 3 days of intimation. The farmer will submit the claim forms and other relevant documents to surveyor/ insurance company within 10 days of date of survey. Claims would be paid on assessment basis only within 20 days of survey and submission of all required documents. Payment would be done in the farmer‟s bank account directly through NEFT.

Special Exclusions:

The Company shall not be liable in respect of:

  • Loss or damage by burglary and / or housebreaking or theft where any member of the insured‟s family is concerned as principal or accessory
  • Loss of or damage to articles of consumable nature
  • Loss of or damage to money, securities, stamps, stamp collections, bullion, livestock, motor vehicles and pedal cycles
  • Loss of or damage to deeds, bonds, bills of exchange, promissory notes, shares and stock certificates, business books, manuscripts, documents of any kind, unset precious stones and Jewelry and Valuable
  • Wilful act or gross negligence of the Insured or his representatives
  • Terrorism

Section 4: Agriculture Pumpset Insurance (Upto 10 Horse Power)

The Insurance covers the Centrifugal pump sets (electrical and diesel) upto 10 Horsepower capacity which are used for agricultural purposes only.

Scope of Cover:

  • Fire & lightning
  • Burglary (due to violent forcible entry provided the pump set is kept in a locked enclosure).
  • Mechanical / electrical breakdown
  • Riot, Strike, malicious damage

Enrollment of Farmers:

The farmers shall provide the electrical and mechanical specifications of the pump set in the proposal form. It shall include complete details of the pump set such as serial number, make, model and specifications. The Sum insured has been capped to Rs.25,000. Agriculture pump sets of age upto 7 year can be covered under this section.

Claim process methodology

  • In case of damage due to above mentioned perils, farmers shall intimate the concerned insurance company via phone or in writing within 72 hours giving an indication as to the nature and extent of loss or damage. For intimation, farmers may choose to intimate directly to insurance company or through financial institutions/same intermediary channel vide which they have availed insurance. No repair/reinstatement to be carried out until loss assessment procedure is completed
  • The claim is admissible only if the premium is paid with in the cut off dates as mentioned in section 1 of PMFBY/WBCIS.
  • Farmer will extend full co-operation to the surveyor appointed by the insurance company and provide necessary documents to substantiate the loss. A claim form issued by the company is also to be submitted.
  • Preserve the damaged or defective parts and make them available for inspection by an Official or Surveyor of the Company.
  • Insurance company gets the survey done of the site within 3 days of intimation. The farmer will submit the claim forms and other relevant documents to surveyor/insurance company within 10 days of date of survey. Claims would be paid on assessment basis only within 20 days of survey and submission of all required documents. Payment would be done in the farmer‟s bank account directly through NEFT.
  • Claims for repair of pump set will be on reinstatement value basis. The claim for total loss of pump will be on market value basis
  • In case of burglary claims, FIR should be lodged immediately and its copy may be made available to the surveyor

The liability of the Company under this Section in respect of any item of property sustaining damage for which indemnity is provided, shall cease if the same item is kept in operation without being repaired to the satisfaction of the Company.

Note : Submersible Pumps will be added in the cover subsequently

Special Exclusion to Agricultural Pump set Insurance:

  • Normal wear & tear, gradual deterioration due to atmospheric condition or otherwise
  • Wilful act or gross negligence of the Insured or his representatives
  • Faults existing at the time of commencement of insurance and known to the Insured or his representative.
  • Loss or damage for which the manufacturer or supplier of pumpset is responsible either by law or under contract.
  • Cost of dismantling, transport to workshop and back as also cost of re-erection
  • Loss due to floods

Section 5: Student Safety Insurance

Schedule of Benefits (for Parent/ Student): SI per student

Summary Benefits

Contingency Amount of Compensation
Part A. Accidental death Rs. 50000 (parent/student)
Part B. Permanent total disablement Rs. 50000 (student)
Part C. Loss of one limb/Eye Rs. 25000 (student)
Part D. Accidental hospitalization Rs. 5000 (student)

Part A

If at any time during the currency of this policy the parent / guardian/ student named in the schedule shall sustain any bodily injury resulting solely and directly from accident caused by external violent and visible means and if such injury shall within six calendar months of the occurrence be the sole and direct cause of death or total and irrecoverable loss of two limbs or two eyes or 100% Permanent Total Disablement (permanently totally and absolutely disable the parent /guardian from engaging in any employment or occupation of any description whatsoever) then the company shall pay to the insured Student or parent / guardian as the case may be the capital sum insured stated in the schedule.

Part B

If at any time during the currency of this policy the insured Student shall sustain any bodily injury resulting solely and directly from accident caused by external violent and visible means and if such injury shall within six calendar months of the occurrence be the sole and direct cause of death or total and irrecoverable loss of two limbs or two eyes or 100% Permanent Total Disablement (permanently totally and absolutely disable the insured student from engaging in any employment or occupation of any description whatsoever) then the company shall pay to the parent / guardian or insured Student as the case may be the capital sum insured stated in the schedule of benefits.

Part C

If at any time during the currency of this policy the insured Student shall sustain any bodily injury resulting solely and directly from accident caused by external violent and visible means resulting into irrecoverable loss of one limb or one eye, then the company shall pay to the parent / guardian or insured Student as the case may be 50% of the capital sum insured stated in the schedule of benefits. However, if such injury shall within six calendar months of the occurrence be the sole and direct cause of death, remaining 50% of the capital sum insured shall be payable to the parents/guardian as the case may be.

In case of death of both student and the parent / guardian named in the schedule of the policy resulting solely and directly from same accident caused by outward, violent and visible means, within six calendar months of its occurrence then the company shall pay the legal heir of the parent / guardian sums stated in the schedule.

Part D

Subject to the terms, conditions & exclusions the Company undertakes that if during the period stated in the Policy any insured student sustains any bodily injury through accident, and takes treatment at any Nursing Home/Hospital in India as an inpatient, the Company will pay to the Insured Person such expenses as are reasonably and necessarily incurred subject to the limits prescribed but not exceeding the Sum Insured during the period of insurance stated against that person in the policy upon submission of supporting documents with bills.

Age Limit: Students: 5-25 years, parents: 18-70 years

Exclusions

    1. Payment of compensation in respect of death or injury as a direct consequence of:
      • Committing or attempting suicide or intentional self-injury.
      • Being under the influence of intoxicating liquor or drugs.
      • Engaging in aviation other than travelling as a bonafide passenger in any duly licensed standard type of aircraft anywhere in the world.
      • Pregnancy or child birth.
      • Veneral disease or insanity.
      • Contracting any illness directly or indirectly arising from or attributable to HIV and/or any HIV related illness including AIDS and/or any mutant derivative or variation of HIV or AIDS
    2. Committing any breach of law with criminal intent.



    Documents required for settlement of claims:
    • Claim Form
    • Doctor‟s report, prescriptions and certificate confirming the nature and degree of disability
    • Police Report and Postmortem Report in case of accidental death
    • Bills, Receipts and Prescriptions of Doctor for reimbursement hospitalization expenses
    • Medical Practitioner‟s Certificate

Section 7: Agricultural Tractor Insurance

This section will be provided as per the provisions, terms, exceptions, conditions and endorsements of standard Motor Insurance Policy related to Agriculture tractor and trailers

Covers the insured against loss or damage to the Agriculture Tractor by fire, explosion, self-ignition or lightning, burglary, housebreaking, theft, riot and strike, earthquake, fire and shock, inundation, typhoon, hurricane, storm, tempest, cyclone, hailstorm, frost, landslide/rockslides by accidental external means, malicious act, terrorism activity while in transit by road, rail, inland waterway. Also provides coverage against death or permanent disablement of the driver, due to an accident while driving the Tractor insured during any one policy period

Subject to a deduction for depreciation at the rates mentioned below in respect of parts replaced:

  • For all rubber/nylon/plastic parts, tyres, tubes, batteries and air bags - 50%
  • For fibre glass components - 30%
  • For all parts made of glass - Nil
  • Rate of depreciation for all other parts including wooden parts will be as per the schedule.

Age wise Sum Insured and Premium: (the rates are subject to change as per IRDAI regulations and the below table is for illustration purpose only):

Sr.no Age of Tractor Sum Insured (Rs.) Premium amount (Own damage premium rate@1.3%)
TP for Tractor: Rs.2730 (as per motor tariff subject to change as per IRDA regulations)

TP for Trailer: Rs.1238 (as per motor tariff subject to change as per IRDA regulations)
      Comprehensive (Without trailer) (Rs.) (ST Extra) Comprehensive (with trailer) (Rs.)(ST Extra) TP Only (Without trailer) (Rs.)(ST Extra) TP Only (With trailer)(Rs.) (ST Extra)
1 Less than 1 year 500000 9230 10468 2730 3968
2 Exceeding 1 year - not exceeding 2 year 400000 7930 9168 2730 3968
3 Exceeding 2 year - not exceeding 3 year 350000 7280 8518 2730 3968
4 Exceeding 3 year - not exceeding 4 year 300000 6630 7868 2730 3968
5 Exceeding 4 year - not exceeding 5 year 250000 5980 7218 2730 3968
6 Exceeding 5 year - not exceeding 6 year 150000 4680 5918 2730 3968
7 Exceeding 6 year - not exceeding 7 year 100000 4030 5268 2730 3968
8 Exceeding 7 years- upto 10 years 50000 3380 4618 2730 3968

Please note that applicable service tax will be applied to above mentioned premium amounts

Legal Liability to Third Parties: - Compensates for death/ bodily injury to third parties in the event of tractor being involved in an accident as per M.V. Act, 1988.

Enrollment of farmers: A farmer can opt for comprehensive cover or Third Party cover only. In case of comprehensive cover, it is important to inspect the vehicle before insurance. Post receipt of satisfactory inspection report of tractor, an Own damage cover will be provided. Comprehensive cover for Agriculture tractors of age up to 10 year and power up to 45 HP can be provided while there will not be any age limit for third party cover.

For comprehensive cover, a farmer will submit his existing policy and registration certificate to avail the benefit of no claim bonus. However for Third Party cover, only Registration certificate is needed. Banks will take special care to submit previous insurance policy and/or registration certificate to insurance companies while submitting the proposal cum declaration form. In case of break in the existing policy under comprehensive cover, insurance company will arrange for a pre insurance inspection. The coverage can be provided only after satisfactory inspection report.

For tractor trailers, farmers have to declare the same in the proposal form and only Third party cover can be offered. It will have separate premium amount in addition to the premium paid for tractor. Only one trailer can be covered.

Separate Certificate of Insurance for this section only will be provided by insurance companies.

Claim process methodology:

  • In case of damage due to above mentioned perils, farmers shall intimate the concerned insurance company via phone or in writing within 48 hours giving an indication as to the nature and extent of loss or damage. For intimation, farmers may choose to intimate directly to insurance company or through financial institutions/same intermediary channel vide which they have availed insurance. No repair/reinstatement to be carried out until loss assessment procedure is completed.
  • The claim is admissible only if the premium is paid with in the cut off dates as mentioned in section 1 of PMFBY/WBCIS
  • Farmer will extend full co-operation to the surveyor appointed by the insurance company and provide necessary documents to substantiate the loss. A claim form issued by the company is also to be submitted.
  • Preserve the damaged or defective parts and make them available for inspection by an Official or Surveyor of the Company.
  • Basis of claim settlement under OD claim would be market value of the vehicle on the date of loss. Insurance company gets the survey done of the site within 3 days of intimation. The farmer will submit the claim forms and other relevant documents to surveyor/insurance company within 15 days of date of survey. Claims would be paid on assessment basis only within 30 days of survey and submission of all required documents. Payment would be done in the farmer‟s bank account directly through NEFT.
  • In case of burglary claims, FIR should be lodged immediately and its copy may be made available to the surveyor.

Policy Exclusions:

  • Any accidental loss or damage and/or liability caused sustained or incurred outside the geographical area.
  • Any claim arising out of any contractual liability
  • Any accidental loss or damage and/or liability caused sustained or incurred whilst the vehicle insured herein is .
    • Being used otherwise than in accordance with the Limitations of Use (tractor as well as trailer can only be used for agriculture purpose)
    • Being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's Clause.
  • 4. Losses such as
    • Any accidental loss or damage to any property whatsoever or any loss or expense whatsoever resulting or arising there from or any consequential loss.
    • Any liability of whatsoever nature directly or indirectly caused by or contributed to by or arising from ionizing radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. For the purposes of this exception combustion shall include any self-sustaining process of nuclear fission. Any accidental loss damage or liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material.
  • Any accidental loss or damage/liability directly or indirectly or proximately or remotely occasioned by, contributed to by or traceable to or arising out of or in connection with war, invasion, the act of foreign enemies, hostilities or war like operations (whether before or after declaration of war), civil war, mutiny, rebellion, military or usurped power or by any direct or indirect consequences of any of the said occurrences and in the event of any claim here under the insured shall prove that the accidental loss damage and/or liability arose independently of and was in no way connected with or occasioned by or contributed to by or traceable to any of the said occurrences or any consequences thereof and in default of such proof, the Company shall not be liable to make any payment in respect of such a claim

General Conditions and Definitions for All Sections

Misdescription: This Policy shall be void and all premium paid hereon shall be forfeited to the Company in the event of misrepresentation, misdescription or non-disclosure of any material particular.

Reasonable Care: The Insured shall take all reasonable steps to safeguard the property insured against any loss or damage. The Insured shall exercise reasonable care that only competent employees are employed and shall take all reasonable precautions to prevent all accidents and shall comply with all statutory or other regulations.

Fraud: If any claim under this Policy shall in any respect be fraudulent or if any fraudulent means or devices are used by the Insured or any one acting on the Insured‟s behalf to obtain any benefit under this Policy, all benefits under the Policy shall be forfeited

Arbitration: : In case of a dispute, a committee mentioned in the succeeding para will decide on the issues under sections 2 to 7. The participating insurance company and officials of banks may form members of the committee. The decision of the committee will be binding to all.

Contribution: In the event of any loss damage liability or expenses covered by this Policy there shall be any other insurance covering the same loss damage liability or expenses, whether effected by the Insured or not this Policy shall pay only so much of the excess of such loss damage liability or expenses as is not recoverable under such other insurance subject always to the limitations of this Policy.

Indemnity: The Company may at its option reinstate/replace or repair the property or premises lost or damaged or any part thereof instead of paying the amount of the loss or damage or may join with any other insurer in so doing but the Company shall not be bound to reinstate exactly or completely but only as circumstances permit and in reasonably sufficient manner and in no case shall the Company be bound to expend more in reinstatement than it would have cost to reinstate such property as it was at the time of occurrence of such loss or damage and not more than the Sum Insured by the Company thereon.

Grievance Redressal Mechanism: To address any grievance/ complaint under the scheme, a committee consisting of District Agriculture Officer (Nodal Officer), representatives of implementing insurance company and bank/ financial institution shall be constituted. The working of the grievance committee will be monitored by District Level Monitoring Committee (DLMC) under the chairmanship of District Magistrate.

Observance of Terms and Conditions: : The due observance and fulfillment of the terms, conditions and endorsement of this Policy in so far as they relate to anything to be done or complied with by the Insured shall be a condition precedent to any liability of the Company to make any payment under this Policy.

General Exclusions: The Company shall not be liable in respect of:

1. Loss or damage, liability or expenses whether directly or indirectly, occasioned by happening through or arising from any consequences of war, invasion, act of foreign enemy, hostilities (whether war be declared or not) civil war, rebellion, revolution, insurrection, mutiny, military, or usurped power or civil commotion or loot or pillage in connection herewith.

2. Loss or damage caused by depreciation or wear and tear

3. Consequential loss of any kind or description.

4. a) Loss or damage directly or indirectly caused by or arising from or in consequence of or contributed to by nuclear weapons material.

b) This Insurance does not cover loss or damage directly or indirectly caused by or arising from or in consequence of or contributed to by ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. For the purpose of Condition 4 (b) only combustion shall include any self-sustaining process of nuclear fission.

5. Excess/Deductible:

The excess/deductible will be applicable as following:

  • Section 4 (Building and content): As per IRDAI Rules & Provisions
  • Section 5 (Pump set): As per IRDAI Rules & Provisions.
  • Section 7 (Tractor): As per Motor Policy of the company

Notices and Claims

Any notice, direction or instruction given under this Policy shall be in writing and delivered by hand, post, or facsimile to:

Universal Sompo General Insurance Co. Ltd

Express IT Park, Plot No. EL - 94, T.T.C. Industrial Area, M.I.D.C., Mahape, Navi Mumbai-400710

Toll Free Numbers: 1-800-224030 (For MTNL/BSNL Users) or 1-800-1024030 or 1-800-2004030

Landline Numbers: (022) 27639800 or (022) 41582900 or (022) 41582999 or (022) 39133700 (Local Charges Apply)

E-mail Address: This email address is being protected from spambots. You need JavaScript enabled to view it.."> This email address is being protected from spambots. You need JavaScript enabled to view it..

Fax Numbers: (022) 41582929 or (022) 41582939

Note: Please include Your Policy number for any communication with us.

Claims Disclaimer:

In the unfortunate event of any eventuality resulting into a claim on this Policy, please intimate the mishap IMMEDIATELY to Our Call Centre at Toll Free Numbers on 1-800-22-4030 (for MTNL/BSNL users) or 1-800-102-4030 or 1-800-200-4030 (other users) or on chargeable numbers at +91-22-27639800/+91-22-41582900/+91-22-41582999/+91-22-39133700. Please note that no delay should be allowed to occur in notifying a claim on the Policy as the same may prejudice liability.

In case of any discrepancy, complaint or grievance, please feel free to contact us within 15 days of receipt of the Policy.

Grievances :

In case You are aggrieved in any way, You may register a grievance or Complaint by visiting Our website or write to us on This email address is being protected from spambots. You need JavaScript enabled to view it..

You may also contact the Branch from where You have bought the Policy or the Complaints Coordinator who can be reached at Our Registered Office

You may also contact on Our - Toll Free Numbers: 1 - 800 - 224030 (For MTNL/BSNL Users) or 1 - 800 – 2004030 or on chargeable numbers at +91-22-27639800/+91-22-39133700; and also send us fax at: (022) 39171419

  • You can also visit Our Company website and click under links Grievance Notification
  • You can also send direct mail to the concerned authorities at This email address is being protected from spambots. You need JavaScript enabled to view it.

If the issue still remains unresolved, You may, subject to vested jurisdiction, approach Insurance Ombudsman for the redressal of Your grievance.

The updated details are also available on: http://www.gbic.co.in/ombudsman.html

The details of Insurance Ombudsman are available below:

Office of the Ombudsman Contact Details
AHMEDABAD Office of the Insurance Ombudsman,6th Floor, Jeevan Prakash Bldg, Tilak Marg, Relief Road,Ahmedabad - 380001.Tel nos: 079-25501201/02/05/06 email: This email address is being protected from spambots. You need JavaScript enabled to view it.
BHOPAL Office of the Insurance Ombudsman,2nd Floor, Janak Vihar Complex, 6, Malviya Nagar,BHOPAL-462 003.Tel.:- 0755-2769201/9202 Fax : 0755-2769203 Email: This email address is being protected from spambots. You need JavaScript enabled to view it.
BHUBANESHWAR Office of the Insurance Ombudsman,62, Forest Park, BHUBANESHWAR-751 009.Tel.:- 0674-2596455/2596003 Fax : 0674-2596429 Email: This email address is being protected from spambots. You need JavaScript enabled to view it.
CHANDIGARH Office of the Insurance Ombudsman, SCO No.101-103,2nd Floor, Batra Building, Sector 17-D,

CHANDIGARH-160 017.Tel.:- 0172-2706468/2772101 Fax : 0172-2708274 Email: This email address is being protected from spambots. You need JavaScript enabled to view it.
CHENNAI Office of the Insurance Ombudsman, Fathima Akhtar Court, 4th Floor, 453 (old 312),Anna Salai, Teynampet,CHENNAI-600 018.Tel.:- 044-24333668 /24335284 Fax : 044-24333664
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.
NEW DELHI Office of the Insurance Ombudsman,2/2 A, Universal Insurance Bldg.,Asaf Ali Road,NEW DELHI-110 002.Tel.:- 011-23234057/23232037 Fax : 011- 23230858Email: This email address is being protected from spambots. You need JavaScript enabled to view it.
GUWAHATI Office of the Insurance Ombudsman, “Jeevan Nivesh”, 5th Floor, S.S. Road,GUWAHATI-781 001 .

Tel.:- 0361-2132204/5 Fax : 0361-2732937 Email: This email address is being protected from spambots. You need JavaScript enabled to view it.
HYDERABAD Office of the Insurance Ombudsman,6-2-46, 1st Floor, Moin Court, A.C. Guards, Lakdi-Ka-Pool, HYDERABAD-500 004.Tel : 040-65504123/23312122 Fax: 040- 23376599Email: This email address is being protected from spambots. You need JavaScript enabled to view it.
ERNAKULAM Office of the Insurance Ombudsman,2nd Floor, CC 27/2603, Pulinat Bldg., M.G. Road,ERNAKULAM-682 015.Tel : 0484-2358759/2359338 Fax : 0484- 2359336Email: This email address is being protected from spambots. You need JavaScript enabled to view it.
KOLKATA Office of the Insurance Ombudsman, Hindustan Building. Annexure, 4th Floor, C.R.Avenue,KOLKATA – 700072 Tel No: 033-22124339/22124346 Fax: 22124341Email: This email address is being protected from spambots. You need JavaScript enabled to view it.
LUCKNOW Office of the Insurance Ombudsman, Jeevan Bhawan, Phase-2,6th Floor, Nawal Kishore Road,Hazaratganj, LUCKNOW-226 001. Tel : 0522 -2231331/2231330 Fax : 0522-2231310 Email: This email address is being protected from spambots. You need JavaScript enabled to view it.
MUMBAI Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe,S.V. Road, Santacruz(W), MUMBAI-400 054. Tel : 022-26106960/26106552 Fax : 022- 26106052 Email: This email address is being protected from spambots. You need JavaScript enabled to view it.
JAIPUR Office of the Insurance Ombudsman, Ground Floor, Jeevan Nidhi II, Bhawani Singh Road, JAIPUR – 302005. Tel: 0141-2740363 Email: This email address is being protected from spambots. You need JavaScript enabled to view it.
PUNE Office of the Insurance Ombudsman, 3rd Floor, Jeevan Darshan, N.C. Kelkar Road, Narayanpet PUNE – 411030. Tel: 020-32341320 Email: This email address is being protected from spambots. You need JavaScript enabled to view it.
BENGALURU Office of the Insurance Ombudsman, 24th Main Road, Jeevan Soudha Bldg., JP Nagar, 1st Phase, Ground Floor BENGALURU – 560025. Tel No: 080-26652049/26652048 Email: This email address is being protected from spambots. You need JavaScript enabled to view it.
Main NOIDA Road, Naya Office of the Insurance Ombudsman, 4th Floor, Bhagwan Sahai Palace, Bans, Sector-15, NOIDA – 201301. Tel: 0120-2514250/51/53 Email: This email address is being protected from spambots. You need JavaScript enabled to view it.
Bazar PATNA Samiti Road Office of the Insurance Ombudsman, 1st Floor, Kalpana Arcade Building, Bahadurpur, PATNA – 800006 Tel No: 0612-2680952 Email id : This email address is being protected from spambots. You need JavaScript enabled to view it..

That rebate of premiums shall be allowed only in accordance with the details given in the prospectus or table of premium rates or, as the case may ne, the relevant document, and that an offer or acceptance of any other rebate shall be an offence under Section 41 of the Insurance Act, 1938”.