efo v³et Fefv[³ee SM³eesjvme kebÀHeveer efueefceìs[ peejerkeÀlee& keÀe³ee&ue³e / Issuing Office :

The New India Assurance Company Limited

(Yeejle mejkeÀej keÀe GHe¬eÀce / Government of India Undertaking)

Hebpeerke=Àle SJeb ÒeOeeve keÀe³ee&ue³e : v³et Fefv[³ee SM³eesjvme efyeefu[bie, 87, cenelcee ieebOeer ceeie&, HeÀesì&, cegbyeF& - 400 001.
Regd. & Head Office : New India Assurance Building, 87, M. G. Road, Fort, Mumbai - 400 001.
(GSTIN No. : 27AAACN4165C3ZP / IRDA Registration No. : 190 / CIN No. : L66000MH1919GOI000526)

MY CYBER INSURANCE POLICY

(UIN No. IRDAN190RP0111V01202223)
PREAMBLE :
In consideration of payment of premium received from Insured, New India Assurance Company, i.e. the insurer will provide the insurance
cover detailed in the Policy to Insured upto the limit specified in Policy Schedule subject to the terms and conditions and exclusions of
the Policy. This Policy provides protection to Insured against loss or damage which arises directly from personal use of computer system
and internet and results in the occurrence of the specified events during the Policy Period.
SCOPE OF COVER :
In consideration of the receipt of premium, and in reliance of the documents submitted, statements made and the information contained
in the proposal form (which are apart of and form the basis of this Policy) and subject to the terms and conditions of this Policy, the Insurer
and the insured agree as follows :
A. INSURING CLAUSE :
It is agreed that the below insuring clause provides protection to Insured against loss or damage out of Events, as stated under
this clause, which arises directly from Third Party fraudulent actions resulting from Insured’s personal use of computer systems
or Insured’s personal use of the internet through a device owned and/or operated by the Insured, during the Policy Period and
is reported in accordance with conditions of this Policy Provided always that the specified event occurs during the Policy Period
and is discovered before the expiry of the Policy and/or subsequent one month in the event of non renewal of same/similar
cover with us/any other insurer after expiry of the Policy Period.
If this Policy shall be continued in force for more than one period of indemnity or if any liability shall exist on the part of the
Company under this Policy and also under any other policy in respect of the stated covers, the liability of the Company hereunder
shall not be accumulated or increased thereby but the aggregate liability of the Company during any number of periods of
indemnity and for any number of events shall not exceed the sum insured hereunder or the sum insured under any other such
policy as aforesaid whichever is greater. The Company shall not be liable to pay more than one claim during one Policy Period.
Section I : Unauthorized Transaction
Insurer shall pay Insured, up to the limit mentioned in the Policy Schedule, for Insured’s direct financial loss arising
out of
a) theft of funds due to an Unauthorized Transaction, and first occurring during the Policy Period and reported to Bank /
debit or credit card issuer/mobile or digital wallet, as the case may be, and Insurer, within 48hours upon discovery (and
in any case during the Policy Period) of such transaction, and;
b) as a consequence of Insured being a victim of a Cyber Incident or Hacking, provided that the Insured report to the issuing
bank or the Mobile Wallet company within 48 hours after discovery of the Theft of Funds.
c) Theft of funds arising due to unauthorized access, malicious act or malware phishing, spoofing stand covered.
Section II : Online Purchase Transactions
Insurer will reimburse Insured for his/her Direct and Pure Financial Loss due to transactions on the internet via payment card
or Mobile Wallet that he/she has been dishonestly induced to enter by a Third Party by electronic means to make a purchase
of goods or services which are not delivered or rendered; provided that :
i. Insured can show that he/she has made reasonable attempts to seek a recovery or refund from the Third Party and/or
seller of the goods and services to indemnify him/her for his/her financial loss; and
ii. The fraud event is reported by insured to his/her card issuer or bank or other relevant entity within 48 hours of discovery
by him/her; and
iii. Insured card issuer or bank or other relevant entity refuses in writing to reimburse his/her for transactions made by him/
her as a result of the fraud.
B. GENERALEXCLUSIONS :
No coverage will be available under this Policy with respect to any Loss arising out of, based upon or attributable to :
1. Any amount stated as deductible in the Policy Schedule.
2. Any action or omission in Insured’s capacity as Employee or self- employed person as well as any professional or business
activity.

UIN No. IRDAN190RP0111V01202223 MY CYBER INSURANCE POLICY Page 1 of 8

 3. Loss of or damage to tangible property and any consequential losses resulting there from, including the loss of use of
tangible property.
4. Insured’s failure to take precautions to safeguard Insured’s Personal Information, Bank Accounts and/or Credit/Debit
Cards and or mobile wallets information and internet communication.
5. Any actual physical injury, emotional distress, mental injury, sickness, disease, disability, or death of any person.
6. Facts or circumstances, known to Insured or which Insured could have reasonably foreseen, which existed prior to the
inception of this Policy, and which might be expected to be the basis of a claim.
7. Investment or trading losses including without limitation any inability to sell, transfer or otherwise dispose of securities.
8. Any legal proceedings which commenced prior to inception of this Policy.
9. Any unexplained loss or mysterious disappearance.
10. Consequential loss or damage of any kind including loss suffered by any Third party.
11. Any Loss or Damage caused by the order of any government authority.
12. Matters uninsurable under law.
13. Any actual or alleged plagiarism or infringement of any trade secret, registered patents, trademarks, trade names,
copyrights, licenses or any other form of intellectual property.
14. War, Terrorism, Looting and Governmental Acts.
15. Failure, interruption, degradation or out age of infrastructure or related services of the following third-party providers :
telecommunication, internet service, satellite, cable, electricity, gas or water providers.
16. Any distribution of unsolicited correspondence or communications (Whether in physical or electronic form), wiretapping,
audio or video recordings or telephone marketing.
17. Any Contractual liability which exceeds legal liability which would otherwise arise. Any liability under any contract,
agreement, guarantee or warranty assumed or accepted by an Insured except to the extent that such liability would have
attached to an Insured in the absence of such contract, agreement, guarantee or warranty.
18. Gambling.
19. Any losses or liabilities connected with any inherent product defect/wear and tear or any types of purchase or sale
transactions or other dealing in securities, commodities, derivatives, foreign or Federal Funds, currencies, foreign
exchange and the likewise.
20. Any Losses arising from the theft, disappearance, loss of value or inaccessibility of any crypto currency.
21. Any unlawful or unauthorized collection of personal Data or Client Information.
22. Losses due to the outage/disturbance of external networks (e.g. power, internet, cable & telecommunications).
C. DEFINITIONS :
1. Computer System Means desktop, laptop, Smartphone, phones, tablet and other Smart devices
owned and/or operated by Insured, which contain Computer Programmes,
electronic instructions, input Data and output Data, that performs logic,
arithmetic, Data storage and retrieval, communication control and other
functions; For avoidance of Doubt, Computer System shall include all kinds of
digital devices.
2. Data Means information processed or stored by a ComputerSystem. This
information will be in the form of but not limited to text documents, images,
audio clips, software programs, or Other types of data
3. Damages Damages means the following, incurred as a result of a Claim :
i. any amounts that an Insured shall be legally liable to pay to a Third Party
in respect of judgments or arbitral awards rendered against an Insured;
ii. monies payable by an Insured Beneficiary to a Third Party pursuant to a
settlement agreement negotiated by the Insured with the prior written
approval by theInsurer; or
iii. punitive or exemplary Damages where insurable by the law of this Policy
and the jurisdiction in which the payment is to be made.
Damages shall not include :
i. the loss, offset or return of fees, commissions, royalties, bonuses or
profits by the Insured or the Costs to re perform any services;
ii. the Costs to comply with any order for, grant of or agreement to provide
injunctive or other non-monetary relief;

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 iii. the Costs to design, upgrade, maintain, or improve a Computer System
or Computer Programme, including correcting any deficiencies or
problems;
iv. taxes and fines;
v. Compensatory Costs.
4. Deductible Means the applicable deductible for each Insuring Clause as specified in the
Schedule.
5. Direct and Pure Financial Loss Direct and Pure Financial Loss shall mean the loss of funds belonging to the
Insured Beneficiary as a Consequence of the Insured Beneficiary being an
innocent victim ofPhishing or Email Spoofing
6. Event/Cyber Incident Means an occurrence of Unauthorized transaction covered under this Policy,
which arises out of the use of the internet and computer system, that is
attributed to the conduct of a Third Party and is not due to Insured’s fault.
Unauthorized transaction also includes e-mail spoofing or phishing.
7. E-mail spoofing means a forgery or a wrongful manipulation of an E-mail header so that the
message appears to have originated from the actual source.
8. Funds mean any cash, money currency owned by the insured and held by
a) Any Bank/Financial Institution
b) A payment system operator in an Electronic form on behalf of the insured
Crypto-currencies, in any form, are NOT covered.
9. Hacking Means an attempt to exploit a computer system or a private network inside a
computer system. It is an unauthorised access to or control over computer
network security systems for some illicit purpose.
10. Insured Means the natural person specified in the schedule
11. Loss Loss means
a. Direct Financial loss
b. Damages;
c. Defense Costs;
d. Costs for Prosecution of Criminal case
e. Costs for Filing Claim for Damages on Third party /Financial Institution
f. Restoration Costs
g. Cyber Extortion Loss;
h. IT Theft Loss;
i. Consultant Costs
j. Counselling Servicesor any other amount the Insurer is liable to pay
under the terms and conditions of this Policy.
12. Malware means a Computer program received through SMS, File transfer, downloaded
programs from internet or any other digital means by the Insured’s Computer
System maliciously designed to infiltrate and damage Insured’s Computer
System without Insured’s consent.
13. Phishing is the attempt to obtain sensitive information such as usernames, passwords,
and credit card details (and sometimes, indirectly, money), often for malicious
reasons, by masquerading as a trustworthy Entity in an electronic
communication.
14. Policy Limit Means the amount mentioned in the item no. ______ of the Schedule.
15. Policy Period Means the period of time specified in the item no. _____ of the Schedule.
16. Third Party Means any person or entity who deals at arm’s length with Insured
and which neither controls nor is controlled by Insured. Third party
shall not be :
a) Any person covered under this Policy ;or
b) Any person or entity who is in an employer-employee relationship with
Insured;

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 17. Terrorism An act of terrorism means an act or series of acts, including but not limited to
the use of force or violence and/or the threat thereof, of any person or group(s)
ofpersons, whether acting alone or on behalf of or in connection with any
organisation(s) or government(s), or unlawful associations, recognized under
Unlawful Activities(Prevention) Amendment Act, 2008 or any other related and
applicable national or state legislation formulated to combat unlawful and
terrorist activities in the nation forthe time being in force, committed for political,
religious, ideological or similar purposes including the intention to influence any
government and/or to put the public orany section of the public in fear for such
purposes.
18. Unauthorized Access or Use Unauthorized Access or Use means the improper access or use of the Insured
Beneficiary’s Computer System by an Unauthorized person acting in an
unauthorizedmanner.
19. War war means war, any invasion, act of foreign enemy, hostile operations (whether
war has been declared or not), civil war, rebellion, revolution, insurrection, riot
or civilcommotion assuming the proportion of or amounting to a popular
uprising, military or usurped power or martial law.

D. POLICY LIMIT AND RETENTIONS :

Insurer’s maximum aggregate liability under the Policy for all claims during the Policy Period is limited to the Policy Limit. The
Company shall not be liable to pay more than one claim during one policy period.
E. LIMIT OF LIABILITY :
The Insurer’s liability to pay or indemnify under this contract for each and every Loss and for all Loss in the aggregate shall
not exceed the Limit of Liability during the policy period.
Each sublimit of liability specified in the Schedule is part of the Limit of Liability and is the maximum the Insurer shall pay for
the Insuring clause during the policy period.
In the event of the sub limit in respect of an Insuring clause being completely exhausted on payment of a claim, No further liability
shall attach on the Insurer in respect of the Insuring clause to which the sub limit applies.
The insurer’s liability to pay or to indemnify for each and every loss and for all losses in aggregate for IT Consultant fees shall
not exceed the amount specified in the policy Schedule during the policy period.
F. POLICY ADMINISTRATION :
The payment of any Loss and or any other amounts payable under this Policy to the Insured Beneficiary shall fully release the
Insurer from the Insurer’s liability to make payment with respect to such Loss and all other amount.
G. PERIOD OF INSURANCE :
This Policy is in force for the Period of Insurance set forth in Item ______________ of the Schedule.
H. POLICY RENEWAL :
The Insurer shall not be bound to accept any renewal premium nor give notice to the Insured/Insured Beneficiary that such
renewal is due. No receipt for renewal premium is valid except on the official form issued by the Company. Under normal,
circumstances renewal will not be refused except on the grounds of misrepresentation, fraud, non-disclosure of material facts
or non-cooperation of the Insured Beneficiary. On renewal, the benefits provided under the policy and/or terms and conditions
of the policy including premium rate may subject to change.
I. GENERAL CONDITIONS :
E.1 Claim Series All losses arising out of the same, continuous, related or repeated acts shall
be treated as arising out of a single. Event, shall be subject to the terms,
conditions, exclusions and single Aggregate Policy Limit in effect at the time
the first such Event occurs.
E.2 Defence, Settlement and Insurer shall be entitled to fully participate in the defence And at the
Co- operation negotiation stage of any settlement that is reasonably likely to involve or
appears to involve Insurer. However, the right and duty to defend and contest
a Claim shall lie solely with Insured.
As a condition precedent to liability under the Policy, Insured, at Insured’s own
costs shall provide Insurer with all documents, information, assistance and
cooperation that Insurer may request and require towards investigation,
defence, settlement or appeal of a Claim or circumstance. Each Insured shall
also take reasonable steps to mitigate the Loss.
E.3 Proofof Loss Insured shall furnish a proof of Loss with full particulars of the Loss to
Insurer in support of any claim under the policy within one month of reporting
the claim.

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 The claim shall be accepted using the following proof of loss :
Direct financial loss caused by an Unauthorized transaction —
a) Proof of reporting to bank or credit organization.
b) Proof that the bank or credit organization is not indemnifying such
loss to Insured;
c) Complaint letter acknowledged by Police.
d) Copy of Bank Statement.
E.4 Observance of The due observance and fulfillment of the terms, conditions and
Terms and Conditions endorsements of this Policy in so far as they relate to anything to be done or
complied with by Insured, shall be a condition precedent to any liability on
Insurer’s part to make any payment under this Policy.
E.5 Title & Headings The titles and headings used in this Policy, (includingEndorsements, if any)
are for the purposes of reference only and shall not otherwise affect the
meaning of this Policy. Singular includes the plural, and vice versa. Words in
bold typeface (except headings) have special meaning and are defined In
Section C.
E.6 Grievance Redressal In case of any grievance the insured person may contact the company through
i. Website : www.newindia.co.in
ii. Toll free : 1800 209 1415
iii. E-mail : As stated in the policy schedule
iv. Fax : As stated in the policy schedule
v. Courier : As stated in the policy schedule
Insured person may also approach the grievance cell at any of the company’s
branches with the details of grievance.
If Insured person is not satisfied with the redressal of grievance through one
of the above methods, insured person may contact the grievance officer at New
India Head Office.
For updated details of grievance officer, kindly refer the link at
www.newindia.co.in
E.7 Changes in Insured’s Insured must notify Insurer as soon as possible in writing of any change
Terms and Conditions in Insured’s circumstances which may affect this insurance cover. Insurer will
advise Insured if there is any additional premium payable by Insured.
E.8 Reasonable Care Insured must take due care and reasonable precautionsto safeguard Insured’s
Personal Information, details of Insured’s Bank Accounts and/or Credit/Debit
Cards and internet communications. This should include but not limited to
regular Data backup, logins, not sharing PIN/AN and Personal Information with
third parties, only installing legal software from trusted sources such as
manufacturer app-stores and maintaining an updated and secure state of their
software and operating systems as recommended by the manufacturer.
Insured should also take all practical steps to minimize claims.
E.9 Fraud Insured must not act in a fraudulent manner. If Insured,or any one acting for
Insured :
a) Makes a claim under the Policy knowing the claim to be false or
fraudulently inflated;
b) Cause any loss or damage by Insured’s willful actor with Insured’s
knowledge; send Insurer a document to support a claim knowing the
document to be forged or false in anyways or
c) make a statement to support a claim knowing the statement to be false
in any way, Insurer will not pay the claim and all cover under the Policy
will be for feited. Insurer also reserves the right to recover from Insured
amount of any claim Insurer have already paid under the Policy.
E.10 Other Insurance In the even to an incident which results in a claim under this Policy and Insured
have other insurance covering the same loss, Insurer will not pay more than
Insurer’s share, subject to the maximum Limit of Cover granted under this
Policy.

UIN No. IRDAN190RP0111V01202223 MY CYBER INSURANCE POLICY Page 5 of 8

 E.11 Allocation If a Claim involves both covered and uncovered Matters or persons under this
Policy, then Insured and Insurer shall use reasonable efforts to determine a just
and equitable allocation of Loss covered under this Policy.
E.12 Reimbursement And Insurer shall at any time been titled to take proceedingsIn Insured’s name (at
Subrogation Insurer’s expense) to recover, for Insurer’s benefit, the amount of any payment
made by Insurer under this Policy and in which case, Insured must fully
cooperate with Insurer in this respect and must not do anything to prejudice
Insurer’s rights. Prior to any payment under the Policy, Insured must provide
an undertaking that a Third Party did not reimburse Insured for the Third Party
fraudulent action for the amount claimed under the Policy.
E.13 Arbitration If any dispute or difference shall arise as to thequantum 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 thereto 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 Indian Arbitration and
Conciliation Act, 1996 as amended from time to time. The place of arbitration
shall be Mumbai.
It is clearly agreed and understood that no dispute or difference shall be
referred to arbitration as herein before provided, if Insurer have 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.
E.14 Claims a) In the event of a claim, please contact Insurer within 24 hours of
occurrence of loss and Insurer will provide Insured with any advice
Insured may need.
b) The payment of claims is dependent on Insured’s providing all necessary
information. Upon learning of any circumstances likely to give rise to a
claim, Insured must provide all relevant documents including receipts,
bills and other records in support of Insured’sclaim.
c) Insurer has the sole control of any legal action and all related
negotiations. Insured must make no admission or settlement and
must not enter in to any correspondence or exchange of communications
about the claim without insurer’s prior authorization except
where notification is required to be made to banks or credit organization
and the police.
d) All claims are paid in INR. If Insured suffer a loss which is in a foreign
currency, the amount will be converted into INR at the exchange rate on
the date of the loss.
E.15 Governing Law This Policy and all disputes and differences arising there under shall be
interpreted under, governed by and construed in all respects in accordance
with the laws of India.This Policy shall be governed by the laws of India.
Duty Of Disclosure : This Policy shall be void and all premiums paid hereon shall be forfeited to the
Insurer in the event of fraud, mis-declaration, misrepresentation, misdescription
or nondisclosure of any material fact in the Proposal form, personal statement,
declaration and connected documents, or any material information having been
withheld, or a Claim being fraudulent or any fraudulent means or device being
used by the Insured or any one acting behalf of the Insured Beneficiary to obtain
a benefit under this Policy.
Jurisdiction : This Policy is subject to the exclusive jurisdiction of the Courts of India.
Premium Payment : It is hereby agreed that, as a condition precedent to any liability under this
Policy, any premium due must be paid and actually received by the Insurer in
full by the duedate.
E. 16 Assignment No assignment of interest under this Policy shall be binding upon Insurer.
Insurer does not assume any responsibility for the validity of an assignment.

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 E. 17 SanctionClause Insurer shall not be deemed to provide cover under this Policy or be liable to
pay any claim under the Policy to the extent that the provision of such cover
or payment of such claim would expose Insurer to any sanction, prohibition or
restriction under United Nations resolutions or the trade or economic sanctions,
laws or regulations of the European Union,United Kingdom orUnited States of
America.
E.18 No Tac it Renewal Insurer shall not be bound to accept any renewal premium nor given otice that
such is due.
E.19 Cancellation Insured may cancel the Policy by giving 15 days written notice to insurer, in
which case, insurer will refund the short rate premium, as per the table below,
in respect of the unexpired Policy Period, provided no claims have been made
under the Policy.
Period (Not Rate exceeding)
1 Month 25% of the Annual rate
2 Months 35% of the Annual rate
3 Months 50% of the Annual rate
4 Months 60% of the Annual rate
6 Months 75% of the Annual rate
8 Months 85% of the Annual rate
Exceeding 8 Months Full Annual Premium
Insurer may also cancel the Policy at any time by giving Insured 15 business
days’ written notice by registered letter at Insured’s last known address. In
which case, Insurer will refund the pro-rated premium paid in respect of the
unexpired Policy Period, provided no claims have been made under the Policy.
E.20 Representation and In issuing this policy Insurer have relied upon insured’s statements,
Warranty representations, and informationasbeing true and accurate. If insured’s
statements, representations or information contain misrepresentations which
were made with the actual intent to deceive and which materially affect insurer’s
acceptance of the risk or the hazard assumed, Insurer shall not be liable for a
loss or claim based upon, arising from, or in consequence of, any such
misrepresentation.
E.21 Conditions Precedent Insurer are only obliged to indemnify insured in accordance with this policy of
insured :
a) Make sure insured’s personal devices are used and maintained as
recommended by the manufacturer or supplier,and
b) Prevent and mitigate loss or damages covered under this policy.
This includes :
i. Providing, maintaining, and updating appropriate system, device
and datasecurity (e.g.anti-malware solutions),and
ii. Maintaining and updating at appropriate intervals backups of
insured’s data.
E.22 Thirdpartyrights No Third Party shall have any right to enforce any part of this Policy.
Entire Contract The Policy constitutes the complete contract of insurance. No change or
alteration in this Policy shall be valid or effective unless approved in writing by
the Insurer, whichapproval shall be evidenced by an endorsement on the
Policy. No agent shall or has the authority to change in any respect whatsoever
any term of this Policy or waive any of its provisions.

UIN No. IRDAN190RP0111V01202223 MY CYBER INSURANCE POLICY Page 7 of 8

 ANNEXURE - A : CONTACT DETAILS OF INSURANCE OMBUDSMEN
AHMEDABAD - Shri Coolu Vikas Rao HYDERABAD - Shri N. Sankaran
Office of the Insurance Ombudsman, Office of the Insurance Ombudsman,
Jeevan Prakash Building, 6th floor, Tilak Marg, 6-2-46, 1st floor, “Moin Court” Lane,
Relief Road, Ahmedabad - 380 001. Opp. Saleem Function Palace, A. C. Guards,
Tel. : 079 - 25501201 / 02 / 05 / 06 Lakdi-Ka-Pool, Hyderabad - 500 004.
Email : [email protected] Tel. : 040 - 23312122
Email : [email protected]
BENGALURU - Mr. Vipin Anand
Office of the Insurance Ombudsman, JAIPUR - Shri Rajiv Dutt Sharma
Jeevan Soudha Building, PID No. 57-27-N-19, Office of the Insurance Ombudsman,
Ground Floor, 19/19, 24th Main Road, Jeevan Nidhi - II Bldg., Gr. Floor,
J. P. Nagar, 1st Phase, Bengaluru - 560 078. Bhawani Singh Marg, Jaipur - 302 005.
Tel. : 080 - 26652048 / 26652049 Tel. : 0141 - 2740363
Email : [email protected]
Email : [email protected]
BHOPAL - Shri R. M. Singh
KOLKATA - Shri Kiran Sahdev
Office of the Insurance Ombudsman,
Office of the Insurance Ombudsman,
Janak Vihar Complex, 2nd Floor, 6, Malviya Nagar,
Hindustan Bldg. Annexe, 4th Floor,
Opp. Airtel Office, Near New Market, Bhopal - 462 003.
Tel. : 0755 - 2769201 / 2769202 4, C. R. Avenue,
Email : [email protected] KOLKATA - 700 072.
Tel. : 033 - 22124339 / 22124340
BHUBANESHWAR - Shri Manoj Kumar Parida Email : [email protected]
Office of the Insurance Ombudsman,
62, Forest Park, Bhubneshwar - 751 009. LUCKNOW - Shri Atul Sahai
Tel. : 0674 - 2596461 /2596455 Office of the Insurance Ombudsman,
Email : [email protected] 6th Floor, Jeevan Bhawan, Phase - II,
Nawal Kishore Road, Hazratganj,
CHANDIGARH - Mr. Atul Jerath Lucknow - 226 001.
Office of the Insurance Ombudsman, Tel. : 0522 - 2231330 / 2231331
S. C. O. No. 101, 102 & 103, 2nd Floor, Email : [email protected]
Batra Building, Sector 17 - D, Chandigarh - 160 017.
Tel. : 0172 - 2706196 / 2706468 MUMBAI - Shri Bharatkumar S. Pandya
Email : [email protected] Office of the Insurance Ombudsman,
3rd Floor, Jeevan Seva Annexe, S. V. Road,
CHENNAI - Shri Segar Sampathkumar Santacruz (W), Mumbai - 400 054.
Office of the Insurance Ombudsman, Tel. : 022 - 69038821 / 23 / 24 / 25 / 26 / 27 / 28 / 29 / 30 / 31
Fatima Akhtar Court, 4th Floor, Email : [email protected]
453, Anna Salai, Teynampet, CHENNAI - 600 018.
Tel. : 044 - 24333668 / 24335284 NOIDA - Shri Bimbadhar Pradhan
Email : [email protected] Office of the Insurance Ombudsman,
Bhagwan Sahai Palace, 4th Floor,
DELHI - Ms. Sunita Sharma
Main Road, Naya Bans, Sector 15,
Office of the Insurance Ombudsman,
2/2 A, Universal Insurance Building, Distt : Gautam Buddh Nagar, U. P. - 201301.
Asaf Ali Road, New Delhi - 110 002. Tel. : 0120 - 2514252 / 2514253
Tel. : 011 - 23232481/23213504 Email : [email protected]
Email : [email protected] PATNA - Ms. Susmita Mukherjee
ERNAKULAM - Shri G. Radhakrishnan Office of the Insurance Ombudsman,
Office of the Insurance Ombudsman, 2nd floor, Lalit Bhawan, Bailey Road,
2nd Floor, Pulinat Bldg., Opp. Cochin Shipyard, Patna - 800 001.
M. G. Road, Ernakulam - 682 015. Tel. : 0612 - 2547068
Tel. : 0484 - 2358759 / 2359338 Email : [email protected]
Email : [email protected]
PUNE - Shri Sunil Jain
GUWAHATI - Shri Somnath Ghosh Office of the Insurance Ombudsman,
Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C. T. S. No. 195 to 198,
Jeevan Nivesh, 5th Floor, Nr. Panbazar over bridge, N. C. Kelkar Road, Narayan Peth,
S. S. Road, Guwahati - 781001(ASSAM). Pune - 411 030.
Tel. : 0361 - 2632204 / 2602205 Tel. : 020 - 41312555
Email : [email protected] Email : [email protected]

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