IndiaInsurances

Find Indian insurance products by words in the name, insurer (slug), type of insurance (category slug from list_categories), line (life, health, general) or status (active, withdrawn). A UIN in q returns that product. Start here when you only have a name.

Everything about one product by UIN: each fact read from its documents (waiting periods, limits, co-pay, exclusions, claims, renewal rights...) with the verbatim policy para (field `quote`), the clause and page it came from, its check status, and the law behind it; plus its documents, versions, where to buy and where to claim. status "not-stated" means the documents do not say: never fill it from memory.

Full-text search inside one product's documents (wording, prospectus, CIS) for words like 'cataract', 'air ambulance', 'suicide'. Returns matching clauses with page and link. Use when get_policy does not cover the question.

The exact text of one clause by clause_id (from get_policy sources or search_policy_text), with its pages and the product it belongs to.

Two to four products side by side on the same fields, with differences flagged and each value sourced. Products of the same category compare best. Nothing is scored: explain the trade-offs to the user.

The types of insurance (health, critical illness, term life, ULIP, motor, home, travel...) with slugs and product counts. With category, the fields read for that type and what each means.

An insurer by slug (or all insurers without one): registration, type, claim and complaint record by year with source, claim and grievance contacts, and its products.

Indian insurance law: the Insurance Act, IRDAI regulations and master circulars, ombudsman rules. Without slug: the instruments, and with q the sections that hold the most of its words (each with its text and link); with slug, the instrument with all its sections and plain-language notes.

How to reach an insurer for claims and complaints: claim and cashless desks, customer care, grievance e-mails, the Grievance Redressal Officer, senior citizen desks, escalation, with each value's source page and date. Use the value exactly; tell the user to check the source.

The step-by-step route to resolve a claim or complaint with an insurer: the insurer (reply due in 14 days), its Grievance Redressal Officer, IRDAI Bima Bharosa, the Insurance Ombudsman office for the user's state (free, up to Rs 50 lakh, within a year) and the consumer commission, each with contacts, deadlines, the rule that applies and the forms to use.

A complaint letter ready to send, to the insurer (level insurer), its Grievance Redressal Officer (gro) or the Insurance Ombudsman (ombudsman, in the form Rule 14 requires), with to/cc addresses, subject, body and a mailto link. Ask the user for the facts; leave [BRACKETS] for anything unknown. Nothing is stored. The user sends it.

An insurer's forms: claim forms, complaint and grievance forms, service requests (nominee, refund, surrender, KYC) and proposal forms, with field counts and the original PDF.

One form, field by field as printed: sections, each field's label, type, whether required and what to write; documents to attach; where to send it; deadlines; and, for fillable PDFs, the PDF's own field names. Walk the user through it one field at a time; never invent answers.

Send the user's request to IndiaInsurances' team ([email protected]) for free help buying, porting, a claim or a policy review; the team replies by e-mail. ASK THE USER FIRST and set consent true only if they agree to be contacted. Details are not passed to any insurer, agent or broker.

Tell IndiaInsurances a fact is wrong or outdated, with evidence (document and page) if possible. Ask the user before sending anything they wrote.

What IndiaInsurances holds: counts of insurers, products, products read clause by clause, documents and facts, and the data date.

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