ICICI Lombard General Insurance Company LTD

ICICI LOMBARD HOUSE, 414, Veer Savarkar Marg,

Near Siddhi Vinayak Temple, Prabhadevi, Mumbai 400 025

WORKMAN COMPENSATION INSURANCE

U I N - IRDAN115CP0017V01201920 Misc 10

POLICY SCHEDULE

Policy No. 4010/244525528/00/000 (TRUE COPY) Issued at MUMBAI

1. Name of the Insured: KEC INTERNATIONAL LTD.

2. Address of the Insured: Rpg House, 463, Dr. Annie Besant Road, Worli, Maharashtra
Mumbai
Maharashtra Pin- 400030
3. Intermediary Details: Agency Code1: CB02302
Agency Name: MARSH INDIA INSURANCE BROKERS
PVT LTD
Agent's mobile no.: 9152027165
Agent's E-mail ID : [email protected]
4. Total Sum Insured: 8,12,03,13,600.00
5. Scope of cover:
Main Coverage: WC Liability Cover Table 'A'

Extensions
Endorsement
(i) Table A: Coverage provided is Indemnity against legal liability for accidents to employees under the Workmen's Compensation Act,
1923 and subsequent amendments of the said Act prior to the date of the issue of the policy; The Fatal Accidents Act 1855 and at
Common Law only

Exclusions:
(i) Sub aqueous work (underwater work).
(ii) Quarries, where explosives are used.
(iii) Contractors engaged exclusively in wrecking or demolition of building and/or scrap metal merchants.
(iv) Losses suffered on or in connection with offshore rigs.
(v) Aircraft crews in respect of flight risk. However, this exclusion shall not apply to aircraft which are set aside for non fare paying
executive use and which are crewed by six persons or less.
(vi) Ship crews other than on inland vessels or on vessels operating within territorial waters. However, this exclusion shall not apply
to a vessel crewed by six persons or less.
(vii) Fire brigades other than those formed privately for loss prevention purposes.
(viii) Service in any kind of armed forces (including, but not limited to military, police, security services).
(ix) Operation of railways, other than sidings.
(x) Employees employed on a permanent basis in USA and/or Canada.
(xi) Professional sports team.
(xii) Any compensation in medical extension expenses if the injured is hospitalized for more than 12 month due to an accident as per
the coverage opted in WC policy.
(xiii) Pandemics/epidemics as declared by WHO and /or Government of India
(xiv) Losses suffered in the course of manufacturing and /or supplying and/or producing storing, filling, breaking down, transporting:-
(It is understood and agreed, however, that the storage, transport and/or handling if any of the substances above mentioned other
than f) which is merely incidental to the operation and/or trade of the Insured's not otherwise excluded, is covered)
Conditions:
(i) Policy for Table A only
(ii) No. of lives: 39884
(iii) Risk Classification code : 157A
(iv) Policy is issued on unnamed basis.
(v) Entry age limit:As per WC Act
(vi) Risk Location Address:PAN India
(vii) Sub Contractor Coverage is provided.
(viii) Special Condition : Policy for Table A only,No. of lives: 39884,Risk Classification code : 157A,Policy is issued on unnamed
basis.,Entry age limit:As per WC Act,Risk Location Address:PAN India,Sub Contractor Coverage is provided.,Special Condition :
Clasification No. Covered: 157A, 157,135,46,Expiring Policy No. 4010/219315995/00/000,Workers working under the projects in the
name of Joint Ventures are also covered under the policy
Nature of work/activity
Policy type UNNAMED
Entry age limit As per WC Act
Policy cover table A
Risk classification code 157A , 157A , 157A , 157A
No of lives 39884

6. Period of Insurance: From: 01/04/2022 Time: 00:00 Hours

To Midnight of 31/03/2023
7. Premium Calculations
 Policy type UNNAMED
Entry age limit As per WC Act
Policy cover table A
Risk classification code 157A , 157A , 157A , 157A
No of lives 39884
ICICI Lombard General Insurance Company LTD
ICICI LOMBARD HOUSE, 414, Veer Savarkar Marg,
Near Siddhi Vinayak Temple, Prabhadevi, Mumbai 400 025
6. Period of Insurance: From: 01/04/2022 Time: 00:00 Hours
To Midnight of 31/03/2023
7. Premium Calculations

Premium Break Up (Rs.) Premium (Rs.)

Stamp Duty (Rs.) 3,425.00
*Total Premium (Rs.) 8,085,910.52
*Premium value mentioned above is inclusive of taxes applicable

8. Details of workmen to be insured

Estimated Occupation Estimated Total Estimated Total Place or Industry Classification Sub Industry Risk
Number of of Salaries Wages and Earnings for the Places of Classification Classification
Employees Employees other money earnings Policy Duration Employment Code
17195 Unskilled 15,500.00 3,19,82,70,000.00 PAN INDIA Engineering workshop & NA 157A
Fabrication works
(Above 9 meters)
9316 Semi 17,000.00 1,90,04,64,000.00 PAN INDIA Engineering workshop & NA 157A
Skilled Fabrication works
(Above 9 meters)
10313 Skilled 18,460.00 2,28,45,35,760.00 PAN INDIA Engineering workshop & NA 157A
Fabrication works
(Above 9 meters)
3060 Highly 20,072.00 73,70,43,840.00 PAN INDIA Engineering workshop & NA 157A
Skilled Fabrication works
(Above 9 meters)
Total: 39884 Total:
8,12,03,13,600.00

9. Details of Co Insurance
Name of the Insurance Company Share(%age)
ICICI LOMBARD 75
BAJAJ ALIANZ 15
RELIANCE 10

Subject otherwise to terms and conditions of Workman's Compensation Insurance Policy

Signed for and on behalf of the ICICI Lombard General Insurance Company limited, at Mumbai on this date 06/04/2022.
The Policy shall stand cancelled ab initio in the event of non-realization of premium.

Authorized Signatory
ICICI Lombard General Insurance Company Ltd.

GSTIN Reg. No: 27AAACI7904G1ZN

IL GIC GSTIN Address : 414, ICICI LOMBARD HOUSE, VEER SAVARKAR MARG, NEAR SIDDHI VINAYAK TEMPLE MAIN GATE,
PRABHADEVI, MUMBAI, 400025, MAHARASHTRA
HSN/SAC code : 997139 - GENERAL INSURANCE SERVICES
"The stamp duty of Rs. 3,425.00 paid in cash or by demand draft or by pay order, vide Reciept/challan no. CSD232202184 dated
06/01/2022."

WC02 TERRORISM EXCLUSION:

Notwithstanding any provision to the contrary within this Notwithstanding any provision to the contrary within this insurance it is
agreed that this insurance excludes loss, damage cost or expense of whatsoever nature directly or indirectly caused by, resulting
from or in connection with any act of terrorism regardless of any other cause or event contributing concurrently or in any other
sequence to the loss.
For the purpose of this warranty an act of terrorism means an act, including but not limited to the use of force or violence and /or
the threat thereof, of any person or group(s) of persons whether acting alone or on behalf of or in connection with any
organisation(s) or government(s) committed for political, religious, ideological or similar purpose including the intention to
influence any government and/or to put the public, or any section of the public in fear.
The warranty also excludes loss, damage, cost or expenses of whatsoever nature directly or indirectly caused by, resulting from or
in connection with any action taken in controlling, preventing, suppressing or to in any way relating to action taken in respect of
an act of terrorism.
If the Company alleges that by reason of this exclusion, any loss, damage, cost or expenses is not covered by this insurance the
burden of proving the contrary shall be upon the Assured

WC01 CO-INSURANCE CLAUSE

It is hereby agreed and declared that the Insurers named hereunder severally and jointly agree each for the proportion set
GSTIN Reg. No: 27AAACI7904G1ZN
IL GIC GSTIN Address : 414, ICICI LOMBARD HOUSE, VEER SAVARKAR MARG, NEAR SIDDHI VINAYAK TEMPLE MAIN GATE,
PRABHADEVI, MUMBAI, 400025, MAHARASHTRA
HSN/SAC code : 997139 - GENERAL INSURANCE SERVICES
ICICI Lombard General Insurance Company LTD
"The stamp duty of Rs. 3,425.00 paid in cash or by demand draft or by pay order, vide Reciept/challan no. CSD232202184 dated
ICICI LOMBARD HOUSE, 414, Veer Savarkar Marg,
06/01/2022." Near Siddhi Vinayak Temple, Prabhadevi, Mumbai 400 025

WC02 TERRORISM EXCLUSION:

Notwithstanding any provision to the contrary within this Notwithstanding any provision to the contrary within this insurance it is
agreed that this insurance excludes loss, damage cost or expense of whatsoever nature directly or indirectly caused by, resulting
from or in connection with any act of terrorism regardless of any other cause or event contributing concurrently or in any other
sequence to the loss.
For the purpose of this warranty an act of terrorism means an act, including but not limited to the use of force or violence and /or
the threat thereof, of any person or group(s) of persons whether acting alone or on behalf of or in connection with any
organisation(s) or government(s) committed for political, religious, ideological or similar purpose including the intention to
influence any government and/or to put the public, or any section of the public in fear.
The warranty also excludes loss, damage, cost or expenses of whatsoever nature directly or indirectly caused by, resulting from or
in connection with any action taken in controlling, preventing, suppressing or to in any way relating to action taken in respect of
an act of terrorism.
If the Company alleges that by reason of this exclusion, any loss, damage, cost or expenses is not covered by this insurance the
burden of proving the contrary shall be upon the Assured

WC01 CO-INSURANCE CLAUSE

It is hereby agreed and declared that the Insurers named hereunder severally and jointly agree each for the proportion set
against thereto to pay/ make good to the Insured the actual loss or damage to the property Insured arising form the perils
covered.
Provided That:
The liability of the Insurers shall in no case exceed in respect of each item of the sum Insured thereon or in whole, the total sum
Insured herby or such other sum or sums as may be substituted thereof by Endorsement.
The liability of the Insurers individually in respect of such loss or damage shall be limited to the proportion set against its name
or such other proportion as may substituted thereof by Endorsement.
Sr.No. Name Of Co Insurer Share in %
1 ICICI LOMBARD GENERAL INSURANCE COMPANY LTD. 75
2 RELIANCE GENERAL INSURANCE COMPANY LTD. 10
3 BAJAJ ALLIANZ GENERAL INSURANCE COMPANY LIMITED 15
Total 100

WORKMAN COMPENSATION INSURANCE POLICY

WHEREAS the Insured carrying on the Business described the Schedule and no other for the purpose of this insurance by a proposal and
declaration which shall be the basis of this contract and is deemed to be incorporated herein has applied to the Company for the
insurance hereinafter contained and has paid or agreed to pay the Premium as consideration for such insurance.
NOW THIS POLICY WITNESSETH that if at any time during the period of Insurance any employee in the Insured's immediate service shall
sustain personal injury by accident or disease arising out of and in the course of his employment by the Insured in the Business and if the
Insured shall be liable to pay compensation for such injury either under :
the Law(s) set out in the Schedule
or at
Common Law
then subject to the terms exceptions and conditions contained herein or endorsed hereon the Company will indemnify the Insured
against all sums for which the Insured shall be so liable and will in addition be responsible for all costs and expenses incurred with its
consent in defending any claim for such compensation.
PROVIDED ALWAYS that in the event of any change in the Law(s) or the substitution of other legislation therefor this Policy shall remain
in force but the liability of the company shall be limited to such sum as the Company would have been liable to pay if the Law(s) had
remained unaltered.
EXCEPTIONS
The Company shall not be liable under the Policy in respect of :
a) any injury by accident or disease directly attributable to war invasion act of foreign enemy hostilities (whether war be declared or
not), civil war, mutiny, insurrection, rebellion, revolution or military or usurped power

b) the Insured's liability to employees of contractors to the Insured.

c) any liability of the Insured which attaches to virtue to an agreement but which would not have attached in the absence of such
agreement.
d) any sum which the Insured would have been entitled to recover from any party but for an agreement between the Insured and
such party.

CONDITIONS:
1. This Policy and the Schedule shall be read together as one contract and any word or expression to which a specific meaning has
been attached in any part of this Policy or of the Schedule shall bear such specific meaning wherever it may appear.

2. Every notice or communication to be given or made under this Policy shall be delivered in writing to the Company.
 influence any government and/or to put the public, or any section of the public in fear.
The warranty also excludes loss, damage, cost or expenses of whatsoever nature directly or indirectly caused by, resulting from or
in connection with any action taken in controlling, preventing, suppressing or to in any way relating to action taken in respect of
an act of terrorism.
If the Company alleges that by reason of this exclusion, any loss, damage, cost or expenses is not covered by this insurance the
ICICI Lombard General Insurance Company LTD
burden of proving the contrary shall be upon the Assured ICICI LOMBARD HOUSE, 414, Veer Savarkar Marg,
Near Siddhi Vinayak Temple, Prabhadevi, Mumbai 400 025

WC01 CO-INSURANCE CLAUSE

It is hereby agreed and declared that the Insurers named hereunder severally and jointly agree each for the proportion set
against thereto to pay/ make good to the Insured the actual loss or damage to the property Insured arising form the perils
covered.
Provided That:
The liability of the Insurers shall in no case exceed in respect of each item of the sum Insured thereon or in whole, the total sum
Insured herby or such other sum or sums as may be substituted thereof by Endorsement.
The liability of the Insurers individually in respect of such loss or damage shall be limited to the proportion set against its name
or such other proportion as may substituted thereof by Endorsement.
Sr.No. Name Of Co Insurer Share in %
1 ICICI LOMBARD GENERAL INSURANCE COMPANY LTD. 75
2 RELIANCE GENERAL INSURANCE COMPANY LTD. 10
3 BAJAJ ALLIANZ GENERAL INSURANCE COMPANY LIMITED 15
Total 100

WORKMAN COMPENSATION INSURANCE POLICY

WHEREAS the Insured carrying on the Business described the Schedule and no other for the purpose of this insurance by a proposal and
declaration which shall be the basis of this contract and is deemed to be incorporated herein has applied to the Company for the
insurance hereinafter contained and has paid or agreed to pay the Premium as consideration for such insurance.
NOW THIS POLICY WITNESSETH that if at any time during the period of Insurance any employee in the Insured's immediate service shall
sustain personal injury by accident or disease arising out of and in the course of his employment by the Insured in the Business and if the
Insured shall be liable to pay compensation for such injury either under :
the Law(s) set out in the Schedule
or at
Common Law
then subject to the terms exceptions and conditions contained herein or endorsed hereon the Company will indemnify the Insured
against all sums for which the Insured shall be so liable and will in addition be responsible for all costs and expenses incurred with its
consent in defending any claim for such compensation.
PROVIDED ALWAYS that in the event of any change in the Law(s) or the substitution of other legislation therefor this Policy shall remain
in force but the liability of the company shall be limited to such sum as the Company would have been liable to pay if the Law(s) had
remained unaltered.
EXCEPTIONS
The Company shall not be liable under the Policy in respect of :
a) any injury by accident or disease directly attributable to war invasion act of foreign enemy hostilities (whether war be declared or
not), civil war, mutiny, insurrection, rebellion, revolution or military or usurped power

b) the Insured's liability to employees of contractors to the Insured.

c) any liability of the Insured which attaches to virtue to an agreement but which would not have attached in the absence of such
agreement.
d) any sum which the Insured would have been entitled to recover from any party but for an agreement between the Insured and
such party.

CONDITIONS:
1. This Policy and the Schedule shall be read together as one contract and any word or expression to which a specific meaning has
been attached in any part of this Policy or of the Schedule shall bear such specific meaning wherever it may appear.

2. Every notice or communication to be given or made under this Policy shall be delivered in writing to the Company.
3. The Insured shall take reasonable precautions to prevent accidents and disease and shall comply with all statutory obligations.
4. In the event of any occurrence which may give rise to a claim under this Policy the Insured shall as soon as possible give notice
thereof to the Company with full particulars. Every letter, claim, writ, summons and process shall be notified or forwarded to the
Company immediately on receipt. Notice shall also be given to the Company immediately the Insured shall have knowledge of any
impending prosecution inquest or fatal enquiry in connection with any such occurrence as aforesaid.
5. No admission offer promise or payment shall be made by or on behalf of the Insured without the consent of the Company which
shall be entitled if it so desires to take over and conduct in his name the defence or settlement of any claim or to prosecute in his
name for its own benefit any claim for indemnity or damages or otherwise and shall have full discretion in the conduct of any
proceedings and in the settlement of any claim and the Insured shall give all such information and assistance as the Company may
require.
6. The first premium and all renewal premiums that may be accepted are to be regulated by the amount of wages and salaries and
other earnings paid by the Insured to employees during each Period of Insurance. The name of every employee together with the
amount of wages salary and other earnings shall be properly recorded and the Insured shall at all times allow the Company to
inspect such records and shall supply the Company with a correct account of all such wages salaries and other earnings paid
during any period of Insurance with one month from expiry date of such Period of Insurance. If the amount so paid shall differ
from the amount on which premium has been paid the difference in premium shall be met by a further proportionate payment to
the Company or by a refund by the Company as the case may be.
 or such other proportion as may substituted thereof by Endorsement.
Sr.No. Name Of Co Insurer Share in %
1 ICICI LOMBARD GENERAL INSURANCE COMPANY LTD. 75
2 RELIANCE GENERAL INSURANCE COMPANY LTD. 10
3 BAJAJ ALLIANZ GENERAL INSURANCE COMPANY LIMITED 15
ICICI Lombard General Insurance Company LTD
Total ICICI LOMBARD HOUSE, 414, Veer 100
Savarkar Marg,
Near Siddhi Vinayak Temple, Prabhadevi, Mumbai 400 025

WORKMAN COMPENSATION INSURANCE POLICY

WHEREAS the Insured carrying on the Business described the Schedule and no other for the purpose of this insurance by a proposal and
declaration which shall be the basis of this contract and is deemed to be incorporated herein has applied to the Company for the
insurance hereinafter contained and has paid or agreed to pay the Premium as consideration for such insurance.
NOW THIS POLICY WITNESSETH that if at any time during the period of Insurance any employee in the Insured's immediate service shall
sustain personal injury by accident or disease arising out of and in the course of his employment by the Insured in the Business and if the
Insured shall be liable to pay compensation for such injury either under :
the Law(s) set out in the Schedule
or at
Common Law
then subject to the terms exceptions and conditions contained herein or endorsed hereon the Company will indemnify the Insured
against all sums for which the Insured shall be so liable and will in addition be responsible for all costs and expenses incurred with its
consent in defending any claim for such compensation.
PROVIDED ALWAYS that in the event of any change in the Law(s) or the substitution of other legislation therefor this Policy shall remain
in force but the liability of the company shall be limited to such sum as the Company would have been liable to pay if the Law(s) had
remained unaltered.
EXCEPTIONS
The Company shall not be liable under the Policy in respect of :
a) any injury by accident or disease directly attributable to war invasion act of foreign enemy hostilities (whether war be declared or
not), civil war, mutiny, insurrection, rebellion, revolution or military or usurped power

b) the Insured's liability to employees of contractors to the Insured.

c) any liability of the Insured which attaches to virtue to an agreement but which would not have attached in the absence of such
agreement.
d) any sum which the Insured would have been entitled to recover from any party but for an agreement between the Insured and
such party.

CONDITIONS:
1. This Policy and the Schedule shall be read together as one contract and any word or expression to which a specific meaning has
been attached in any part of this Policy or of the Schedule shall bear such specific meaning wherever it may appear.

2. Every notice or communication to be given or made under this Policy shall be delivered in writing to the Company.
3. The Insured shall take reasonable precautions to prevent accidents and disease and shall comply with all statutory obligations.
4. In the event of any occurrence which may give rise to a claim under this Policy the Insured shall as soon as possible give notice
thereof to the Company with full particulars. Every letter, claim, writ, summons and process shall be notified or forwarded to the
Company immediately on receipt. Notice shall also be given to the Company immediately the Insured shall have knowledge of any
impending prosecution inquest or fatal enquiry in connection with any such occurrence as aforesaid.
5. No admission offer promise or payment shall be made by or on behalf of the Insured without the consent of the Company which
shall be entitled if it so desires to take over and conduct in his name the defence or settlement of any claim or to prosecute in his
name for its own benefit any claim for indemnity or damages or otherwise and shall have full discretion in the conduct of any
proceedings and in the settlement of any claim and the Insured shall give all such information and assistance as the Company may
require.
6. The first premium and all renewal premiums that may be accepted are to be regulated by the amount of wages and salaries and
other earnings paid by the Insured to employees during each Period of Insurance. The name of every employee together with the
amount of wages salary and other earnings shall be properly recorded and the Insured shall at all times allow the Company to
inspect such records and shall supply the Company with a correct account of all such wages salaries and other earnings paid
during any period of Insurance with one month from expiry date of such Period of Insurance. If the amount so paid shall differ
from the amount on which premium has been paid the difference in premium shall be met by a further proportionate payment to
the Company or by a refund by the Company as the case may be.
7. The Company may cancel this Policy by sending seven days notice by registered letter to the Insured at his last known address and
in such event the premium shall be adjusted in accordance with Condition 6.
8. If any dispute or difference shall arise as to the quantum to be paid under this Policy (liability being otherwise admitted), such
difference shall independently of all other questions be referred to the decision of a sole arbitrator to be appointed in writing by
the parties to or if they cannot agree upon a single arbitrator within 30 days of any party invoking arbitration, the same shall be
referred to a panel of three arbitrators, comprising of two arbitrators, one to be appointed by each of the parties to the
dispute/difference and the third arbitrator to be appointed by such two arbitrators and arbitration shall be conducted under and in
accordance with the provisions of the Arbitration and Conciliation Act, 1996.

It is clearly agreed and understood that no difference or dispute shall be referable to arbitration as herein before provided, if the
Company has disputed or not accepted liability under or in respect of this Policy.
It is hereby expressly stipulated and declared that it shall be a condition precedent to any right of action or suit upon this Policy
that the award by such arbitrator/ arbitrators of the amount of the loss or damage shall be first obtained.
It is also hereby further expressly agreed and declared that if the Company shall disclaim liability to the Insured for any claim
hereunder and such claim shall not within 12 calendar months from the date of such disclaimer have been made the subject
matter of a suit in a court of law, then the claim shall for all purposes be deemed to have been abandoned and shall not thereafter
be recoverable hereunder.
 not), civil war, mutiny, insurrection, rebellion, revolution or military or usurped power

b) the Insured's liability to employees of contractors to the Insured.

c) any liability of the Insured which attaches to virtue to an agreement but which would not have attached in the absence of such
agreement.
d) any sum which the Insured would have been entitled to recover from any party but for an agreement ICICI between the Company
Lombard General Insurance Insured LTD and
ICICI LOMBARD HOUSE, 414, Veer Savarkar Marg,
such party. Near Siddhi Vinayak Temple, Prabhadevi, Mumbai 400 025

CONDITIONS:
1. This Policy and the Schedule shall be read together as one contract and any word or expression to which a specific meaning has
been attached in any part of this Policy or of the Schedule shall bear such specific meaning wherever it may appear.

2. Every notice or communication to be given or made under this Policy shall be delivered in writing to the Company.
3. The Insured shall take reasonable precautions to prevent accidents and disease and shall comply with all statutory obligations.
4. In the event of any occurrence which may give rise to a claim under this Policy the Insured shall as soon as possible give notice
thereof to the Company with full particulars. Every letter, claim, writ, summons and process shall be notified or forwarded to the
Company immediately on receipt. Notice shall also be given to the Company immediately the Insured shall have knowledge of any
impending prosecution inquest or fatal enquiry in connection with any such occurrence as aforesaid.
5. No admission offer promise or payment shall be made by or on behalf of the Insured without the consent of the Company which
shall be entitled if it so desires to take over and conduct in his name the defence or settlement of any claim or to prosecute in his
name for its own benefit any claim for indemnity or damages or otherwise and shall have full discretion in the conduct of any
proceedings and in the settlement of any claim and the Insured shall give all such information and assistance as the Company may
require.
6. The first premium and all renewal premiums that may be accepted are to be regulated by the amount of wages and salaries and
other earnings paid by the Insured to employees during each Period of Insurance. The name of every employee together with the
amount of wages salary and other earnings shall be properly recorded and the Insured shall at all times allow the Company to
inspect such records and shall supply the Company with a correct account of all such wages salaries and other earnings paid
during any period of Insurance with one month from expiry date of such Period of Insurance. If the amount so paid shall differ
from the amount on which premium has been paid the difference in premium shall be met by a further proportionate payment to
the Company or by a refund by the Company as the case may be.
7. The Company may cancel this Policy by sending seven days notice by registered letter to the Insured at his last known address and
in such event the premium shall be adjusted in accordance with Condition 6.
8. If any dispute or difference shall arise as to the quantum to be paid under this Policy (liability being otherwise admitted), such
difference shall independently of all other questions be referred to the decision of a sole arbitrator to be appointed in writing by
the parties to or if they cannot agree upon a single arbitrator within 30 days of any party invoking arbitration, the same shall be
referred to a panel of three arbitrators, comprising of two arbitrators, one to be appointed by each of the parties to the
dispute/difference and the third arbitrator to be appointed by such two arbitrators and arbitration shall be conducted under and in
accordance with the provisions of the Arbitration and Conciliation Act, 1996.

It is clearly agreed and understood that no difference or dispute shall be referable to arbitration as herein before provided, if the
Company has disputed or not accepted liability under or in respect of this Policy.
It is hereby expressly stipulated and declared that it shall be a condition precedent to any right of action or suit upon this Policy
that the award by such arbitrator/ arbitrators of the amount of the loss or damage shall be first obtained.
It is also hereby further expressly agreed and declared that if the Company shall disclaim liability to the Insured for any claim
hereunder and such claim shall not within 12 calendar months from the date of such disclaimer have been made the subject
matter of a suit in a court of law, then the claim shall for all purposes be deemed to have been abandoned and shall not thereafter
be recoverable hereunder.
9. The due observance and fulfillment of the terms, conditions and endorsements of this Policy so far as they relate to anything to be
done or not to be done by the Insured and the truth of the statements and answers in the Proposal shall be conditions precedent to
any liability of the Company to make any payment under this Policy.
10. Grievance Clause

In case you are aggrieved in any way, You should do the following
i. For resolution of any query or grievance, Insured may contact the respective branch office of The Company or may call us
at toll free no. 1800 2666 or email us at [email protected] or write to us at

Grievance Redressal Officer

ICICI Lombard General Insurance Company Ltd.
ICICI Lombard House, 414, Veer Savarkar Marg,
Near Siddhi Vinayak Temple, Prabhadevi, Mumbai- 400025.

ii. If you are not satisfied with the resolution provided, you may approach us at the sub section "Grievance Redressal" on our
website www.icicilombard.com (Customer Support section).

iii. In case your complaint is not fully addressed by the insurer, you may use the Integrated Grievance Management System
(IGMS) for escalating the complaint to IRDA. Through IGMS you can register your complaint online and track its status. For
registration please visit IRDA website www.irda.gov.in. If the issue still remains unresolved, you may,subject to vested
jurisdiction, approach Insurance Ombudsman for the redressal of the grievance.

The details of Insurance Ombudsman are available below:-

Sr. No Name of office of insurance Ombudsman Territorial Area of jurisdiction
Ahmedabad: 2nd Floor, Ambika House, near C.U.
Shah college, Ashram road, Ahmedabad-380014
State of Gujarat and Union Territories of Dadra &
1 Tel No. 079-
Nagar Haveli and Daman and Diu.
27546840, 27545441 Fax No..079-27546412.
[email protected]
Bengaluru: 19/19, Jeevan Soudha Building,
 in such event the premium shall be adjusted in accordance with Condition 6.
8. If any dispute or difference shall arise as to the quantum to be paid under this Policy (liability being otherwise admitted), such
difference shall independently of all other questions be referred to the decision of a sole arbitrator to be appointed in writing by
the parties to or if they cannot agree upon a single arbitrator within 30 days of any party invoking arbitration, the same shall be
referred to a panel of three arbitrators, comprising of two arbitrators, one to be appointed by each of the parties to the
dispute/difference and the third arbitrator to be appointed by such two arbitrators and arbitration shallICICI
beLombard
conducted
General Insuranceunder
Company LTDand in
ICICI LOMBARD HOUSE, 414, Veer Savarkar Marg,
accordance with the provisions of the Arbitration and Conciliation Act, 1996. Near Siddhi Vinayak Temple, Prabhadevi, Mumbai 400 025

It is clearly agreed and understood that no difference or dispute shall be referable to arbitration as herein before provided, if the
Company has disputed or not accepted liability under or in respect of this Policy.
It is hereby expressly stipulated and declared that it shall be a condition precedent to any right of action or suit upon this Policy
that the award by such arbitrator/ arbitrators of the amount of the loss or damage shall be first obtained.
It is also hereby further expressly agreed and declared that if the Company shall disclaim liability to the Insured for any claim
hereunder and such claim shall not within 12 calendar months from the date of such disclaimer have been made the subject
matter of a suit in a court of law, then the claim shall for all purposes be deemed to have been abandoned and shall not thereafter
be recoverable hereunder.
9. The due observance and fulfillment of the terms, conditions and endorsements of this Policy so far as they relate to anything to be
done or not to be done by the Insured and the truth of the statements and answers in the Proposal shall be conditions precedent to
any liability of the Company to make any payment under this Policy.
10. Grievance Clause

In case you are aggrieved in any way, You should do the following
i. For resolution of any query or grievance, Insured may contact the respective branch office of The Company or may call us
at toll free no. 1800 2666 or email us at [email protected] or write to us at

Grievance Redressal Officer

ICICI Lombard General Insurance Company Ltd.
ICICI Lombard House, 414, Veer Savarkar Marg,
Near Siddhi Vinayak Temple, Prabhadevi, Mumbai- 400025.

ii. If you are not satisfied with the resolution provided, you may approach us at the sub section "Grievance Redressal" on our
website www.icicilombard.com (Customer Support section).

iii. In case your complaint is not fully addressed by the insurer, you may use the Integrated Grievance Management System
(IGMS) for escalating the complaint to IRDA. Through IGMS you can register your complaint online and track its status. For
registration please visit IRDA website www.irda.gov.in. If the issue still remains unresolved, you may,subject to vested
jurisdiction, approach Insurance Ombudsman for the redressal of the grievance.

The details of Insurance Ombudsman are available below:-

Sr. No Name of office of insurance Ombudsman Territorial Area of jurisdiction
Ahmedabad: 2nd Floor, Ambika House, near C.U.
Shah college, Ashram road, Ahmedabad-380014
State of Gujarat and Union Territories of Dadra &
1 Tel No. 079-
Nagar Haveli and Daman and Diu.
27546840, 27545441 Fax No..079-27546412.
[email protected]
Bengaluru: 19/19, Jeevan Soudha Building,
Ground Floor, 24th Main Road,
JP Nagar, 1st Phase,
2 State of Karnataka.
Bengaluru-560 078.
Tel.:- 080-26652048 / 26652049
Email:- [email protected]
BHOPAL: Janak Vihar Complex, 2nd Floor, 6,
Malviya Nagar, Opp.Airtel Office,
Near New Market,
3 Bhopal-462 033. States of Madhya Pradesh and Chattisgarh.
Tel.:- 0755-2769200/201/202
Fax:- 0755-2769203
Email:- [email protected]
BHUBANESHWAR: 62, Forest park,
Bhubaneswar-751 009.
4 Tel.:- 0674-2596461 / 2596455 State of Orissa.
Fax:- 0674-2596429
Email:- [email protected]
CHANDIGARH: S.C.O. No. 101, 102 & 103, 2nd Floor,
Batra Building, Sector 17-D,
Chandigarh-160 017. States of Punjab, Haryana, Himachal Pradesh, Jammu
5
Tel.:- 0172-2706196/5861 / 2706468 & Kashmir and Union territory of Chandigarh.
Fax:- 0172-2708274
Email:- [email protected]
CHENNAI: Fatima Akhtar Court,
4th Floor, 453 (old 312), Anna Salai,
Teynampet, State of Tamil Nadu and Union Territories -
6 CHENNAI-600 018. Pondicherry Town and Karaikal (which are part of
Tel.:- 044-24333668 / 24335284 Union Territory of Pondicherry).
Fax:- 044-24333664
Email:- [email protected]
DELHI:
2/2 A, Universal Insurance Building,
Asaf Ali Road,
7 New Delhi-110 002. State of Delhi
Tel.:- 011-23239611/7539/7532
Fax:- 011-23230858
Email:- [email protected]
 4th Floor, 453 (old 312), Anna Salai,
Teynampet, State of Tamil Nadu and Union Territories -
6 CHENNAI-600 018. Pondicherry Town and Karaikal (which are part of
Tel.:- 044-24333668 / 24335284 Union Territory of Pondicherry).
Fax:- 044-24333664
Email:- [email protected]
ICICI Lombard General Insurance Company LTD
DELHI: ICICI LOMBARD HOUSE, 414, Veer Savarkar Marg,
2/2 A, Universal Insurance Building, Near Siddhi Vinayak Temple, Prabhadevi, Mumbai 400 025
Asaf Ali Road,
7 New Delhi-110 002. State of Delhi
Tel.:- 011-23239611/7539/7532
Fax:- 011-23230858
Email:- [email protected]
ERNAKULAM: 2nd floor, Pulinat Building,
Opp. Cochin Shipyard,
States of Kerala and Union territory of
M.G. Road,
(a) Lakshadweep
8 Ernakulum - 682 015.
(b) Mahe-a part of Union territory of
Tel.:- 0484-2358759/2359338
Pondicherry
Fax:- 0484-2359336
Email:- [email protected]
GUWAHATI: 'Jeevan Nivesh', 5th Floor,
Nr. Panbazar over bridge, S.S. Road,
Guwahati-781001(ASSAM). States of Assam, Meghalaya, Manipur, Mizoram,
9
Tel.:- 0361- 2132204 / 2132205 Arunachal Pradesh, Nagaland and Tripura.
Fax:- 0361-2732937
Email:- [email protected]
HYDERABAD: 6-2-46, 1st floor, "Moin Court"
Lane Opp. Saleem Function Palace,
A. C. Guards, Lakdi-Ka-Pool, States of Andhra Pradesh, Telangana and Union
10 Hyderabad - 500 004. Territory of Yanam - a part of the Union Territory
Tel.:- 040-65504123/23312122 of Pondicherry.
Fax:- 040-23376599
Email:- [email protected]
JAIPUR:
Jeevan Nidhi-II Bldg.,
Ground Floor,
11 Bhawani Singh Marg, State of Rajasthan.
Jaipur - 302005.
Tel.:- 0141-2740363
Email:- [email protected]
KOLKATA:
Hindustan Building Annexe,
4th floor, 4, CR Avenue,
States of West Bengal, Bihar, Sikkim and Union
12 Kolkata - 700 072.
Territories of Andaman and Nicobar Islands.
Tel.:- 033-22124339 / 22124340
Fax:- 033-22124341
Email:- [email protected]
District of Uttar Pradesh:
LUCKNOW: Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot,
6th Floor, Jeevan Bhawan, Allahabad, Mirzapur, Sonbhabdra, Fatehpur,
Phase-II, Nawal Kishore Road, Pratapgarh, Jaunpur, Varansi, Gazipur, Jalaun, Kanpur,
Hazratganj, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich,
13
Lucknow-226 001. Barabanki, Raebareli, Sravasti, Gonda, Faizabad,
Tel.:- 0522-2231330 / 2231331 Amethi, Kaushambi, Balrampur, Basti,
Fax:- 0522-2231310. Ambedkarnagar, Sulanpur, Maharajganj,
Email:- [email protected] Santkabirnagar, Azamgarh, Kaushinagar, Gorkhpur,
Deoria, Mau, Chandauli, Ballia, Sidharathnagar.
MUMBAI:
3rd Floor, Jeevan Seva Annexe,
S. V. Road, Santacruz (W),
States of Goa, Mumbai Metropolitan Region excluding
14 Mumbai - 400 054.
Navi Mumbai & Thane.
Tel.:- 022-26106928/360/889
Fax:- 022-26106052
Email:- [email protected]
States of Uttaranchal and the following Districts of
Uttar Pradesh:. Agra, Aligarh, Bagpat, Bareilly, Bijnor,
NOIDA:
Budaun, Bulandshehar, Etah, Kanooj, Mainpuri,
Bhagwan Sahai Palace,
Mathura, Meerut, Moradabad, Muzaffarnagar,
4th Floor, Main Road,
15 Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozabad,
Naya Bans, Sector-15,
Gautam Budh Nagar, Ghaziabad, Hardoi,
Gautam Budh Nagar, Noida
Shahjahanpur, Hapur, Shamli, Rampur, Kashganj,
Email:- [email protected]
Sambhal, Amroha, Hathras, Kanshiramnagar,
Saharanpur.
PATNA:
Office of the Insurance Ombudsman,
1st Floor, Kalpana Arcade Building,
16 Bazar Samiti Road, States of Bihar and Jharkhand.
Bahadurpur,
Patna - 800 006.
Email:- [email protected]
PUNE:
Office of the Insurance Ombudsman,
Jeevan Darshan Building, 3rd Floor,
CTS Nos. 195 to 198, States of Maharashtra, Area of Navi Mumbai and
17
NC Kelkar Road, Narayan Peth, Thane excluding Mumbai Metropolitan Region.
Pune - 411 030
Tel: 020 -32341320
Email:- [email protected]

The updated details of Insurance Ombudsman are available on IRDA website:www.irdaindia.org, on the website of General
Insurance Council:www.generalinsurancecouncil.org.in, website of the Company www.icicilombard.com or from any of the
offices of the Company
 PUNE:
Office of the Insurance Ombudsman,
Jeevan Darshan Building, 3rd Floor,
CTS Nos. 195 to 198, States of Maharashtra, Area of Navi Mumbai and
17
NC Kelkar Road, Narayan Peth, Thane excluding Mumbai Metropolitan Region.
Pune - 411 030 ICICI Lombard General Insurance Company LTD
Tel: 020 -32341320 ICICI LOMBARD HOUSE, 414, Veer Savarkar Marg,
Email:- [email protected] Near Siddhi Vinayak Temple, Prabhadevi, Mumbai 400 025

The updated details of Insurance Ombudsman are available on IRDA website:www.irdaindia.org, on the website of General
Insurance Council:www.generalinsurancecouncil.org.in, website of the Company www.icicilombard.com or from any of the
offices of the Company

Communicable Disease Exclusion [Clause]

1.Notwithstanding any provision, clause or term of this [insurance Contract] to the contrary, this [insurance Contract] excludes any loss,
cost, damage, liability, claim, fines, penalty or expense or any other amount of whatsoever nature, whether directly or indirectly and/or
in whole or in part, related to, caused by, contributed to by, resulting from, as a result of, as a consequence of, attributable to, arising out
of, arising under, in connection with, or in any way involving (this includes all other terms commonly used and/or understood to reflect
or describe nexus and/or connection from one thing to another whether direct or indirect):
1.1 a Communicable Disease and/or the fear or threat (whether actual or perceived) of a Communicable Disease and/or the actual or
alleged transmission of a Communicable Disease regardless of any other cause or event contributing and/ or occurring
concurrently or in any sequence thereto, and
1.2 a pandemic or epidemic, as declared by the World Health Organisation or any governmental authority.
2.As used herein, Communicable Disease means: any infectious, contagious or communicable substance or agent and/or any infectious,
contagious or communicable disease which can be caused and/or transmitted by means of substance or agent where:
2.1 the disease includes, but is not limited an illness, sickness, condition or an interruption or disorder of body functions, systems or
organs, and
2.2 the substance or agent includes, but is not limited to, a virus, bacterium, parasite, other organism or other micro-organism (whether
asymptomatic or not); including any variation or mutation thereof, whether deemed living or not, and
2.3 the method of transmission, whether direct or indirect, includes but not limited to, airborne transmission, bodily fluid transmission,
transmission through contact with human fluids, waste or the like, transmission from or to any surface or object, solid, liquid or gas
or between organisms including between humans, animals, or from any animal to any human or from any human to any animal,
and
2.4 the disease, substance or agent is such:
2.4.1 that causes or threatens damage or can cause or threaten damage to human health or human welfare, or
2.4.2 that causes or threatens damage to or can cause or threaten damage to, deterioration to, contamination of, loss of value of, loss
of marketability of or loss of use or usefulness of, tangible or intangible property.
For avoidance of doubt, Communicable Disease includes but is not limited to Coronavirus Disease 2019 (Covid -19) and any variation or
mutation thereof.
3.For further avoidance of doubt, any contingent or other business interruption loss, cost, damage, loss of income, loss of use, increased
cost of working and/or extra expense arising out of or attributable to:
3.1 any partial or complete closure of and/or slowdown in, including but not limited to any closure by or under the advisories of public,
military, government or civil authorities, or any denial of access to insured premises, or customer and or supplier premises
(including service / utility providers), or
3.2 change in consumer behaviour, or
3.3 an absence of infected employees or employees suspected of being infected shall not be covered by this [insurance Contract].
4.For still further avoidance of doubt, loss, cost, damage, liability, claim, fines, penalty or expense or any other amount excluded hereby,
includes but is not limited to any cost to identify, clean-up, detoxify, disinfect, decontaminate, mitigate, remove, evacuate, repair,
replace, monitor, sanitize or test: (1) for a Communicable Disease or (2) any tangible or intangible property covered by this [insurance
Contract] that is affected by such Communicable Disease.
5.It is clarified that (1) no other prior, concurrent or subsequent provision, clause, term or exception of this [insurance Contract]
(including (but not limited to) any prior, concurrent or subsequent endorsement and/or any provision, clause, term, buy back or
exception that operates, or is intended to operate, to extend the coverage of, or protections provided by, this [insurance Contract] by
whatever name called like any coverage extension, additional coverage, global extension, exception to any exclusion); (2) any change in
the law, clause or similar provision; (3) any follow the fortunes clause or similar provision; and/or (4) no change in the law or any
regulation (to the extent permitted by applicable law), shall operate to provide any insurance, coverage or protection under this
[insurance Contract] that would otherwise be excluded through the exclusion set forth in this [Endorsement][Clause].
6.If the [insurer] alleges that by reason of this [Endorsement][Clause] any amount is not covered by this [insurance Contract] the burden
of proving the contrary shall rest in the [insured].
 Tel: 020 -32341320
Email:- [email protected]

The updated details of Insurance Ombudsman are available on IRDA website:www.irdaindia.org, on the website of General
Insurance Council:www.generalinsurancecouncil.org.in, website of the Company www.icicilombard.com or from any of the
offices of the Company
ICICI Lombard General Insurance Company LTD
ICICI LOMBARD HOUSE, 414, Veer Savarkar Marg,
Near Siddhi Vinayak Temple, Prabhadevi, Mumbai 400 025

Communicable Disease Exclusion [Clause]

1.Notwithstanding any provision, clause or term of this [insurance Contract] to the contrary, this [insurance Contract] excludes any loss,
cost, damage, liability, claim, fines, penalty or expense or any other amount of whatsoever nature, whether directly or indirectly and/or
in whole or in part, related to, caused by, contributed to by, resulting from, as a result of, as a consequence of, attributable to, arising out
of, arising under, in connection with, or in any way involving (this includes all other terms commonly used and/or understood to reflect
or describe nexus and/or connection from one thing to another whether direct or indirect):
1.1 a Communicable Disease and/or the fear or threat (whether actual or perceived) of a Communicable Disease and/or the actual or
alleged transmission of a Communicable Disease regardless of any other cause or event contributing and/ or occurring
concurrently or in any sequence thereto, and
1.2 a pandemic or epidemic, as declared by the World Health Organisation or any governmental authority.
2.As used herein, Communicable Disease means: any infectious, contagious or communicable substance or agent and/or any infectious,
contagious or communicable disease which can be caused and/or transmitted by means of substance or agent where:
2.1 the disease includes, but is not limited an illness, sickness, condition or an interruption or disorder of body functions, systems or
organs, and
2.2 the substance or agent includes, but is not limited to, a virus, bacterium, parasite, other organism or other micro-organism (whether
asymptomatic or not); including any variation or mutation thereof, whether deemed living or not, and
2.3 the method of transmission, whether direct or indirect, includes but not limited to, airborne transmission, bodily fluid transmission,
transmission through contact with human fluids, waste or the like, transmission from or to any surface or object, solid, liquid or gas
or between organisms including between humans, animals, or from any animal to any human or from any human to any animal,
and
2.4 the disease, substance or agent is such:
2.4.1 that causes or threatens damage or can cause or threaten damage to human health or human welfare, or
2.4.2 that causes or threatens damage to or can cause or threaten damage to, deterioration to, contamination of, loss of value of, loss
of marketability of or loss of use or usefulness of, tangible or intangible property.
For avoidance of doubt, Communicable Disease includes but is not limited to Coronavirus Disease 2019 (Covid -19) and any variation or
mutation thereof.
3.For further avoidance of doubt, any contingent or other business interruption loss, cost, damage, loss of income, loss of use, increased
cost of working and/or extra expense arising out of or attributable to:
3.1 any partial or complete closure of and/or slowdown in, including but not limited to any closure by or under the advisories of public,
military, government or civil authorities, or any denial of access to insured premises, or customer and or supplier premises
(including service / utility providers), or
3.2 change in consumer behaviour, or
3.3 an absence of infected employees or employees suspected of being infected shall not be covered by this [insurance Contract].
4.For still further avoidance of doubt, loss, cost, damage, liability, claim, fines, penalty or expense or any other amount excluded hereby,
includes but is not limited to any cost to identify, clean-up, detoxify, disinfect, decontaminate, mitigate, remove, evacuate, repair,
replace, monitor, sanitize or test: (1) for a Communicable Disease or (2) any tangible or intangible property covered by this [insurance
Contract] that is affected by such Communicable Disease.
5.It is clarified that (1) no other prior, concurrent or subsequent provision, clause, term or exception of this [insurance Contract]
(including (but not limited to) any prior, concurrent or subsequent endorsement and/or any provision, clause, term, buy back or
exception that operates, or is intended to operate, to extend the coverage of, or protections provided by, this [insurance Contract] by
whatever name called like any coverage extension, additional coverage, global extension, exception to any exclusion); (2) any change in
the law, clause or similar provision; (3) any follow the fortunes clause or similar provision; and/or (4) no change in the law or any
regulation (to the extent permitted by applicable law), shall operate to provide any insurance, coverage or protection under this
[insurance Contract] that would otherwise be excluded through the exclusion set forth in this [Endorsement][Clause].
6.If the [insurer] alleges that by reason of this [Endorsement][Clause] any amount is not covered by this [insurance Contract] the burden
of proving the contrary shall rest in the [insured].
 (including (but not limited to) any prior, concurrent or subsequent endorsement and/or any provision, clause, term, buy back or
exception that operates, or is intended to operate, to extend the coverage of, or protections provided by, this [insurance Contract] by
whatever name called like any coverage extension, additional coverage, global extension, exception to any exclusion); (2) any change in
the law, clause or similar provision; (3) any follow the fortunes clause or similar provision; and/or (4) no change in the law or any
regulation (to the extent permitted by applicable law), shall operate to provide any insurance, coverage or protection under this
[insurance Contract] that would otherwise be excluded through the exclusion set forth in this [Endorsement][Clause].
ICICI Lombard General Insurance Company LTD

6.If the [insurer] alleges that by reason of this [Endorsement][Clause] any amount is not covered by this [insurance Contract] the burden
ICICI LOMBARD HOUSE, 414, Veer Savarkar Marg,
Near Siddhi Vinayak Temple, Prabhadevi, Mumbai 400 025
of proving the contrary shall rest in the [insured].

ICICI Lombard General Insurance Company Limited

IRDA Reg. No. 115 CIN: L67200MH2000PLC129408
Mailing Address: Registered Office: Toll free No. : 1800 2666
401 & 402, 4th Floor, Interface 11, ICICI Lombard House, 414, Veer Savarkar Marg, Alternate No. : +9192236 22666 (chargeable)
New Linking Road, Malad (West), Near Siddhi Vinayak Temple, Prabhadevi, Email : [email protected]
Mumbai - 400 064. Mumbai - 400 025. Website : www.icicilombard.com