HDFC ERGO General Insurance Company Limited

November 30, 2023

TERENCE TAO ENGINEERS PRIVATE LIMITED

GROUND FLOOR, NO.5/7,

METTUKUPPAM MAIN ROAD,
MMDA MADURAVOYAL,
MADURAVOYAL,
TIRUVALLUR,
TAMIL NADU,600095.

Dear Customer,

Sub: Employees Compensation Insurance Policy No: 3114205914215300000

We thank you for having preferred us for your Insurance requirements. We at HDFC ERGO General Insurance believe
“Insurance” as not only to be an assurance to indemnify in the event of unfortunate circumstances, but one that
signifies protection and support, which you can count on when you need it most.

The Insurance Policy enclosed herewith is a written agreement providing confirmation of our responsibility towards you
that puts insurance coverage into effect against stipulated perils .

Please note that the policy has been issued based on the information contained in the proposal form and / or
documents received from you or your representative / broker. Where the proposal form is not received, information
obtained from you or your representative /broker, whether orally or otherwise, is captured in the policy document.

If you wish to contact us in reference to your existing policy and /or other general insurance solutions offered by us ,
you may write to our correspondence address as mentioned below. Alternatively, you may visit our website
www.hdfcergo.com . To enable us to serve you better, you are requested to quote your Policy Number in all
correspondences.

Thanking you once again for choosing HDFC ERGO General Insurance Company Limited and looking forward to many
more years of association.

Yours sincerely,

Authorised Signatory

3114205914215300000 Page 1 of 13
Registered & Corporate Office: 1st Floor, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai - 400020. Customer Service Address: 6th Floor, Leela Business Park, Andheri Kurla Road,
Andheri (E), Mumbai - 400 059. Toll Free : 1800-2-700-700 (Accessible from India only) | Fax : 91 22 6638 3699 | [email protected] | www.hdfcergo.com
CIN : U66030MH2007PLC177117 UIN : IRDAN125P0017V02201112 IRDAI Reg No. 146.
HDFC ERGO General Insurance Company Limited
Certificate of Insurance cum Policy Schedule

Policy No. 3114205914215300000 Employees Compensation Insurance

Insured Name TERENCE TAO ENGINEERS PRIVATE LIMITED Business Engineering Services
(PAN Number:)
Correspondence GROUND FLOOR, NO.5/7,METTUKUPPAM MAIN ROAD,MMDA
Address MADURAVOYAL,MADURAVOYAL,TIRUVALLUR,TAMIL NADU,600095.

Mobile Phone E Mail SUNDARVEERAIYAN@TT Policy 30/11/2023

EPL.NET Issuance Date

Period of Insurance From Date & Time 30/11/2023 00:01 AM To Date & Time 29/11/2024 Midnight

Business Discription

LAW

The Policy covers Liability of the Insured under the following Law (s) shown as covered, subject to claim being otherwise
admissible as per terms, conditions and exclusions of the Policy and subject to Limit of Indemnity as stipulated against
each Law:

Sr. No. Law Limit of Indemnity

a. Employee’s Compensation Act, 1923 and subsequent Subject otherwise, to the terms, conditions
amendments thereof prior to the date of issue of this Policy & Exclusions of the Policy, the amount of
liability incurred by the Insured
b. Common Law Subject otherwise, to the terms, conditions
& Exclusions of the Policy, the amount of
liability incurred by the Insured, but not
exceeding:-

a) Limit Per Employee for any number of

accidents during Period of Insurance
. is as per actuals

b) Limit Per Accident for any number of

Employees . is as per actuals

c) Aggregate Limit for all accidents and

claims arising there from during the Period of
Insurance . is as per actuals

EC-13-0005
3114205914215300000 Page 2 of 13
Registered & Corporate Office: 1st Floor, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai - 400020. Customer Service Address: 6th Floor, Leela Business Park, Andheri Kurla Road,
Andheri (E), Mumbai - 400 059. Toll Free : 1800-2-700-700 (Accessible from India only) | Fax : 91 22 6638 3699 | [email protected] | www.hdfcergo.com
CIN : U66030MH2007PLC177117 UIN : IRDAN125P0017V02201112 IRDAI Reg No. 146.
HDFC ERGO General Insurance Company Limited

Details of Employees Covered

Description of work done Declared Number of Declared Wages during Place/Places of

by Employees Employees the Period of Insurance Employment

Engineers not otherwise 17 4386000.00 Any where in India ,Any

classified,Incl. work away from where in India,,
shop or yard exceeding 9 mts
high,,All kinds of Machinery
services in manufacturing
Units
Premium Details ( )

Basic Premium 37655.00

GST 18% : Central Tax 9% (3388.95) + State Tax 9% (3389.05) 6778.00

Total Premium 44433.00

GST Registration No: 33AABCL5045N1ZF.The contract will be cancelled ab intio in case; the consideration under the
policy is not realized.

List of Endorsements

Endt No Description Effective Date

Communicable Disease Exclusion 30 November 2023

EC_12_0003 Contractors Employees 30 November 2023

WC-02-0008 Tariff Endorsement 30 November 2023

EC-13-0006 Insurance Contract 30 November 2023

EC-13-0005 Policy Schedule 30 November 2023

WC-02-0010 Medical Expenses Exclusion clause 30 November 2023

EC-13-0007 Communicable Disease Exclusion 30 November 2023

3114205914215300000 Page 3 of 13
Registered & Corporate Office: 1st Floor, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai - 400020. Customer Service Address: 6th Floor, Leela Business Park, Andheri Kurla Road,
Andheri (E), Mumbai - 400 059. Toll Free : 1800-2-700-700 (Accessible from India only) | Fax : 91 22 6638 3699 | [email protected] | www.hdfcergo.com
CIN : U66030MH2007PLC177117 UIN : IRDAN125P0017V02201112 IRDAI Reg No. 146.
HDFC ERGO General Insurance Company Limited

Subject to terms and Conditions of Employees Compensation Insurance Policy attached herewith.

1. Subrogation condition no.14 does not apply to this policy.

2. Average condition no. 9 does not apply to this policy. However, this is subject to adjustment of premium on the basis
of actual number of employees and their wages at the time of claims.
3. This policy is issued to cover employer's legal liability for accidents to employees under - The Fatal Accidents Act,
1855.
4. The Wages declared is estimated wages for the Coming Year . Any Increase or Decrease in wages will be declared at
the End of Policy & Subject to that Premium will be charged or refunded.

Note: The stamp duty of Rs. 18.83 (Rupees Eighteen And Eighty-Three Paise Only) is paid by Demand Draft as
consolidated stamp duty, vide Receipt/Challan no LOA/CSD/547/2022/5450/22 dated 22/12/2022 as prescribed in
Government Notification Revenue and Forest Department No Mudrank 2004/4125/CR 690/M-1, dated 31/12/2004

Invoice No 205914215300000 GSTN No 33AAICT4940R1ZQ

Place of Supply TAMIL NADU SAC Code 997139

CHENNAI (RAHEJA TOWER) -

Policy Issuance Date 30-11-2023 Policy Issuance Office
ANNA SALAI

For HDFC ERGO General Insurance Company Ltd.

Agent Name:PRAVEEN D R

Agent Code :201853083705 Tel No.:91 9677248171 Duly Constituted Attorney

3114205914215300000 Page 4 of 13
Registered & Corporate Office: 1st Floor, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai - 400020. Customer Service Address: 6th Floor, Leela Business Park, Andheri Kurla Road,
Andheri (E), Mumbai - 400 059. Toll Free : 1800-2-700-700 (Accessible from India only) | Fax : 91 22 6638 3699 | [email protected] | www.hdfcergo.com
CIN : U66030MH2007PLC177117 UIN : IRDAN125P0017V02201112 IRDAI Reg No. 146.
HDFC ERGO General Insurance Company Limited

EMPLOYEES COMPENSATION INSURANCE

POLICY WORDINGS

WHEREAS the Insured by a Proposal which shall be the basis of this Contract and deemed to be
incorporated herein, has applied to HDFC ERGO General Insurance Company Limited (hereinafter called “the Company”)
for the insurance hereinafter contained for the Business described in the Schedule and has paid or agreed to pay the
premium stated in the Schedule as consideration for such insurance.

NOW THIS POLICY WITNESSETH, subject to the terms exceptions and conditions contained herein or
endorsed hereon, that if at any time during the Period of Insurance any Employee or Employees of the Insured shall
sustain Injury by accident arising out of and in the course of his employment in the Business, for which the Insured is
liable to pay compensation under any Law(s) specified in the Schedule, then the Company shall indemnify the Insured
up to the Limit of Indemnity against all sums for which the Insured shall be so liable, including costs and expenses
for defending any such claim incurred with the Company’s consent .

PROVIDED ALWAYS that in the event of any change in the Law (s) or the substitution of other legislation
therefore, 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.

DEFINITIONS

This Policy, the Schedule and any Clauses thereon shall be considered one document and any word or expression to
which a specific meaning has been attached in Definitions bears that specific meaning wherever it appears in this Policy
in bold typeface.

Business means the Business of the Insured as specified in the Schedule in respect of which this Policy is issued.

Injury means physical bodily injury including death resulting from such injury arising out of an accident but does not
include any mental sickness, disease, Occupational Disease, unless caused by such physical bodily injury.

Insured means the person or organization specified in the Policy Schedule but does not include their Contractors or
Sub Contractors.

Occupational Disease means any occupational disease or illness including but not limited to the diseases listed under
Schedule III of the Employees’ Compensation Act, 1923 contracted by an Employee due to employment in the
Business.

Wages means the remuneration payable to an Employee by the Insured for the employment in the Business and
includes any privilege or benefit which is capable of being estimated in money other than a travelling allowance or the
value of any travelling concession or a contribution paid by the employer of an employee towards any pension or
provident fund or a sum paid to an employee to cover any special expenses entailed on him by the nature of his
employment;

Employee or Employees means such person or persons in direct employment under the Insured in the Business, but
shall not include any person employed under a Contractor or Sub -Contractor of the Insured unless specifically shown as
covered in the Schedule and by an endorsement.

Schedule means the Schedule attached to and forming part of this Policy.

Period of Insurance means the period for which this insurance is availed by the Insured as specified in the Schedule,
unless cancelled earlier.
EC-13-0004
3114205914215300000 Page 5 of 13
Registered & Corporate Office: 1st Floor, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai - 400020. Customer Service Address: 6th Floor, Leela Business Park, Andheri Kurla Road,
Andheri (E), Mumbai - 400 059. Toll Free : 1800-2-700-700 (Accessible from India only) | Fax : 91 22 6638 3699 | [email protected] | www.hdfcergo.com
CIN : U66030MH2007PLC177117 UIN : IRDAN125P0017V02201112 IRDAI Reg No. 146.
HDFC ERGO General Insurance Company Limited

Limit of Indemnity means the maximum amount of indemnity as specified in the Schedule that will be provided under
this Policy by the Company in respect of
a) any particular claim by an Employee and
b) all claims arising out of all accidents for any number of Employees during the Period of Insurance.

EXCLUSIONS

This Policy shall not cover liability of the Insured:

(a) For Injury caused to Employee by accident directly or indirectly caused by or arising from or in consequence of or
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, nuclear weapons material, ionising radiations or
contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel.

(b) Accident occurring at any other place than the Place or Places of Employment specified in the Schedule, unless
the Employee was at such other place whilst on duty for the purpose of the Business and on the directions of the
Insured or any of its official authorized to exercise control and supervision over the Employee.

(c) For Occupational Diseases contracted by an Employee.

(d) For interest and/or penalty imposed on the Insured under any law or otherwise.
(e) Under any Law for medical expenses in connection with treatment of any Injury sustained by an Employee

(f) For persons employed in the Business under a Contractor or Sub-Contractor of the Insured unless specifically
covered in the Schedule

(g) For Injury sustained by person whilst in the employ of the Insured otherwise than in the Business and/or who has
is not declared for insurance under this Policy.

(h) Assumed by agreement which would not have attached in the absence of such agreement.
(i) For any sum which the Insured would have been entitled to recover from any party but for an agreement between
the Insured and such party.
(j) For any accident occurring whilst the Employee is under the influence of intoxicating liquor or drugs.

(k) For any incapacity or death of an Employee resulting from his/her deliberate self-injury or the deliberate
aggravation of an accidental Injury.

CONDITIONS

1. The Contract: This Policy and the Schedule shall be read together as one contract and any word defined herein
and shown in bold shall bear such specific meaning wherever it may appear in the Policy or the Schedule.
2. Due Observance: The due observance and fulfilment 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 shall be condition precedent to any liability
of the Company to make any payment under this Policy.

3. Mis-representation/Non-Disclosure: This Policy shall be void in the event of any mis-representation or

non-disclosure in the Proposal and the Insured is deemed to warrant the truth and accuracy of the statements and
answers in the Proposal which form the basis of this Policy.
4. Written Communication: Every notice or communication to be given or made under this Policy shall be delivered in
writing to the Company.
5. Safeguards: The Insured shall take reasonable precautions to prevent accidents and disease and shall comply with
all statutory obligations, manufacturer's recommendations and other safety regulations in conduct of the Business.

EC-13-0004
3114205914215300000 Page 6 of 13
Registered & Corporate Office: 1st Floor, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai - 400020. Customer Service Address: 6th Floor, Leela Business Park, Andheri Kurla Road,
Andheri (E), Mumbai - 400 059. Toll Free : 1800-2-700-700 (Accessible from India only) | Fax : 91 22 6638 3699 | [email protected] | www.hdfcergo.com
CIN : U66030MH2007PLC177117 UIN : IRDAN125P0017V02201112 IRDAI Reg No. 146.
HDFC ERGO General Insurance Company Limited

6. Claim Intimation: In the event of any occurrence which may give rise to a claim under this Policy the Insured shall
as soon as possible, and in any case within a period of thirty days of such occurrence, give notice thereof to the
Company in writing with full particulars. Every letter claim writ summons and process shall be notified 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.

7. Company’s Rights After Loss: 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, without being obliged to do so, 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.
8. Declaration of Employees and Wages: It is clearly agreed and Understood that the Insured shall be bound at all
times to declare all Employees and Wages payable in respect of such Employees on the basis of which the
Premium for this Policy is calculated.

In case of increase in Employees or Wages subsequent to insurance, Insured shall keep the Company intimated
and obtain Endorsement by payment of necessary additional premium.

The Insured shall as and when require by the Company permit inspection of its records to verify the Wages and
Employees and shall also provide duly authenticated copies thereof if so required the Company.

9. Average: Notwithstanding anything contained hereinabove,

(i) a) If the number of Employees (whether on duty or otherwise) employed by the Insured on the date of accident
is higher than the number covered under this Policy, the Company shall indemnify Insured’s liability arising out
of such accident, only in such proportion that the number of Employees covered bears to the Employees found
employed on the date of accident.

b) If the amount of Wages declared for this insurance for all Employees is less than the actual Wages paid
until date of accident, the Company shall be liable to indemnify on any claim only in proportion that the Wages
declared bears to the Wages paid. For the purpose of this clause, the Wages declared shall be calculated
proportionately for the period from commencement of Policy until date of accident for comparison with the actual
wages paid during such period to determine applicability of this clause.

c) If the liability of the Insured for any claim by an Employee is determined on the basis of Wages higher than
covered under this Policy, the Company shall be liable to indemnify only in proportion that the Wages covered
under the Policy for the Employee/Employees bears to the Wages on the basis of which Insured is held
liable. For the purpose of this clause, the Wages covered in respect of any Employee shall be deemed to be
the average wage per Employee in the category under which the Employee falls as specified in the Schedule,
unless actual Wages paid at the time of accident is substantiated by submission of documentary evidence to
the Company.

(ii) If more than one of the above clauses is found applicable in respect of a claim, only such clause under which the
liability of the Company is least shall be applied.
10. Maintenance of record of Employees/Wages: The Insured undertakes to maintain an accurate record of the
Employees and Wages in respect of the Business throughout the Period of Insurance, in compliance with all
statutory requirements or otherwise, and allow the Company to inspect such records during or upon expiry of this
Policy.

EC-13-0004
3114205914215300000 Page 7 of 13
Registered & Corporate Office: 1st Floor, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai - 400020. Customer Service Address: 6th Floor, Leela Business Park, Andheri Kurla Road,
Andheri (E), Mumbai - 400 059. Toll Free : 1800-2-700-700 (Accessible from India only) | Fax : 91 22 6638 3699 | [email protected] | www.hdfcergo.com
CIN : U66030MH2007PLC177117 UIN : IRDAN125P0017V02201112 IRDAI Reg No. 146.
HDFC ERGO General Insurance Company Limited

11. Contribution: If at the time of the happening of an accident covered by this Policy there shall be any other
insurance covering the same risk in respect of the Employee whether or not effected by the Insured, then the
Company shall not be liable to contribute more than its rateable proportion of the amount that would otherwise be
payable under this Policy.

12. Cancellation: The Insured may cancel this Policy by sending at least 15 days written notice to the Company and
in such event the premium shall be adjusted in accordance with Condition 8 above.
Company also reserves the right to cancel this Policy immediately upon becoming aware of any
mis-representation, fraud, non-disclosure of material facts or non-cooperation by or on behalf of the Insured; the
Company is not obliged to refund the premium already paid under the Policy.

Notice of cancellation will be mailed to the Insured last known address. If notice of cancellation is mailed, proof of
mailing will be sufficient proof of notice.

Company shall have no obligation to give notice that the Policy is due for renewal or renew this Policy upon
expiration or cancellation.
13. Forfeiture: If the Insured shall make any claim or connive in the making of any claim, knowing the claim to be false
or fraudulent, the Policy shall become void and all claims will stand forfeited.

14. Subrogation: In the event of any payment under this Policy, the Company shall be subrogated to the extent of
such payment to all the Insured’s rights of recovery and the Insured shall execute all papers required and shall do
everything necessary to secure and preserve such rights, including the execution of such documents necessary to
enable the Company effectively to bring suit in the name of each Insured.

15. Alteration and Assignment: No change in, modification of, or assignment of interest under this Policy shall be
effective except when made by a written endorsement to this Policy which is signed by an authorised employee of
the Company.

16. 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 Company in full. However, where the remittance made by
the Insured is not realised by the Company the Policy shall be treated as void-ab-inito

17. Arbitration:
a) If any dispute or difference shall arise as to the quantum to be paid under this Policy (liability being otherwise
admitted) in respect of any claim, such difference shall independently of all other question 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 to a
panel of three arbitrators to be appointed in accordance with the provisions of the Arbitration and Conciliation Act ,
1996. The arbitration shall be governed by Indian law. The venue of arbitration shall be within India.

b) It is clearly agreed and understood that no reference to arbitration can be made if the Company has either not
admitted or has disputed liability in respect of any claim under or in respect of this Policy.
c) In the event that these arbitration provisions shall be held to be invalid then all such disputes or differences shall be
referred to the exclusive jurisdiction of the Indian Courts.

d) It is further expressly agreed and declared that if the Company shall disclaim liability in respect of any claim and is
not within 12 calendar months from the date of such disclaimer be made the subject matter of a suit or proceeding
before a Court of law or any other forum, it shall for all purposes be deemed to have been abandoned and shall not
thereafter be recoverable hereunder.
18. Law and Jurisdiction: It is hereby declared and agreed that this contract of insurance and all claims there under
shall be governed by Indian Law and any legal proceeding in respect thereof shall be raised a competent court of
India. All claims shall be paid in Indian Rupees only.

EC-13-0004
3114205914215300000 Page 8 of 13
Registered & Corporate Office: 1st Floor, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai - 400020. Customer Service Address: 6th Floor, Leela Business Park, Andheri Kurla Road,
Andheri (E), Mumbai - 400 059. Toll Free : 1800-2-700-700 (Accessible from India only) | Fax : 91 22 6638 3699 | [email protected] | www.hdfcergo.com
CIN : U66030MH2007PLC177117 UIN : IRDAN125P0017V02201112 IRDAI Reg No. 146.
HDFC ERGO General Insurance Company Limited

Coverage for Contractors Workers/ Employees

Endorsement

Policy Period Effective Date From 00:01 hours : November 30, 2023

Expiry Date To (Midnight) : November 29, 2024

Effective Date November 30, 2023

Policy Number 3114205914215300000

Insured TERENCE TAO ENGINEERS PRIVATE LIMITED

Name of Company HDFC ERGO General Insurance Company Limited

Date Issued November 30, 2023

Coverage for Contractors In consideration of the payment of an additional premium it is hereby

Workers/ Employees understood and agreed that the indemnity herein granted is extended to cover
the legal liability of the Insured to Employees in the employment of
Contractors performing work for the Insured while engaged in the Business in
respect of which the within Policy is granted, but only so far as regard claims
under the Employees Compensation Act, 1923, and subsequent amendments
of said Act prior to the date of the issue of this Policy .

1. Contractor’s Name: Details to be provided at time of claim

Registered Address: Details to be provided at time of claim

Sr. Description of work done by Declared Number of Declared Wages/Contract Place/Places of

No. Employees Employees Value during the Period of Employment
Insurance

1 All kinds of Machinery services 17 4386000 Any where in India

in manufacturing Units ,Any where in
India,,

Authorised Representative

EC_12_0003
3114205914215300000 Page 9 of 13
Registered & Corporate Office: 1st Floor, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai - 400020. Customer Service Address: 6th Floor, Leela Business Park, Andheri Kurla Road,
Andheri (E), Mumbai - 400 059. Toll Free : 1800-2-700-700 (Accessible from India only) | Fax : 91 22 6638 3699 | [email protected] | www.hdfcergo.com
CIN : U66030MH2007PLC177117 UIN : IRDAN125P0017V02201112 IRDAI Reg No. 146.
HDFC ERGO General Insurance Company Limited

Medical Expenses Exclusion

Endorsement

Policy Period Effective Date From 00:01 hours November 30, 2023

Expiry Date To (Midnight) November 29, 2024

Effective Date November 30, 2023

Policy Number 3114205914215300000

Insured TERENCE TAO ENGINEERS PRIVATE LIMITED

Name of Company HDFC ERGO General Insurance Company Limited

Date Issued November 30, 2023

Medical Expenses This policy does not cover Medical Expenses

Exclusion

All other terms and conditions remain unchanged.

Authorised Representative

WC-02-0010
3114205914215300000 Page 10 of 13
Registered & Corporate Office: 1st Floor, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai - 400020. Customer Service Address: 6th Floor, Leela Business Park, Andheri Kurla Road,
Andheri (E), Mumbai - 400 059. Toll Free : 1800-2-700-700 (Accessible from India only) | Fax : 91 22 6638 3699 | [email protected] | www.hdfcergo.com
CIN : U66030MH2007PLC177117 UIN : IRDAN125P0017V02201112 IRDAI Reg No. 146.
HDFC ERGO General Insurance Company Limited

GRIEVANCE REDRESSAL PROCEDURE

If you have a grievance that you wish us to redress, you may contact us with the details of your grievance through:

n Call Center ( Toll free helpline )

1800 2 700 700 (accessible from any Mobile and Landline within India)
1800 226 226 (accessible from any MTNL and BSNL Lines)

n Emails - [email protected]
n Designated Grievance Officer in each branch.
n Company Website - www.hdfcergo.com
n Fax : 022 - 66383699
n Courier : Any of our Branch office or corporate office

You may also approach the Complaint & Grievance (C&G) Cell at any of our branches with the details of your
grievance during our working hours from Monday to Friday.

If you are not satisfied with our redressal of your grievance through one of the above methods, you may contact our
Head of Customer Service at

The Complaint & Grievance Cell,

HDFC ERGO General Insurance Company Ltd.
6th Floor, Leela Business Park,
Andheri Kurla Road,
Andheri, Mumbai - 400059

In case you are not satisfied with the response / resolution given / offered by the C &G cell, then you can write to the
Principal Grievance Officer of the Company at the following address

To the Principal Grievance Officer

HDFC ERGO General Insurance Company Limited
6th floor, Leela Business Park.
Andheri Kurla Road,
Andheri (E), Mumbai - 400059
e-mail: [email protected]

You may also approach the nearest Insurance Ombudsman for resolution of your grievance. The contact details of
Ombudsman offices are mentioned below if your grievance pertains to :

n Insurance claim that has been rejected or dispute of a claim on legal construction of the policy
n Delay in settlement of claim
n Dispute with regard to premium
n Non-receipt of your insurance document

You may also refer our website https://www.hdfcergo.com/customer-care/grievances.html for detailed grievance
redressed procedure.

3114205914215300000 Page 11 of 13
Registered & Corporate Office: 1st Floor, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai - 400020. Customer Service Address: 6th Floor, Leela Business Park, Andheri Kurla Road,
Andheri (E), Mumbai - 400 059. Toll Free : 1800-2-700-700 (Accessible from India only) | Fax : 91 22 6638 3699 | [email protected] | www.hdfcergo.com
CIN : U66030MH2007PLC177117 UIN : IRDAN125P0017V02201112 IRDAI Reg No. 146.
HDFC ERGO General Insurance Company Limited

Ombudsman Offices
Jurisdiction Office Details
Gujarat, Dadra & Nagar Haveli, Daman and Diu AHMEDABAD Office of the Insurance Ombudsman, 2nd floor, Ambica House, Near C.U.
Shah College, 5, Navyug Colony, Ashram Road, Ahmedabad - 380 014. Tel.: 079 -27546150 /
27546139 Fax: 079 - 27546142 Email: [email protected]
Orissa BHUBANESHWAR - Shri. B. N. Mishra Office of the Insurance Ombudsman, 62, Forest park,
Bhubneshwar - 751 009. Tel.: 0674 - 2596461 /2596455 Fax: 0674 - 2596429 Email:
[email protected]
Tamil Nadu, Pondicherry Town and Karaikal (which are part of CHENNAI - Shri Virander Kumar Office of the Insurance Ombudsman, Fatima Akhtar Court ,
Pondicherry) 4th Floor, 453, Anna Salai, Teynampet, CHENNAI - 600 018. Tel.: 044 - 24333668 / 24335284
Fax: 044 - 24333664 Email: [email protected]
Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, GUWAHATI Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Nr. Panbazar
Nagaland and Tripura over bridge, S.S. Road, Guwahati - 781001(ASSAM). Tel.: 0361 - 2132204 / 2132205 Fax: 0361
- 2732937 Email: [email protected]
Madhya Pradesh Chattisgarh BHOPAL - Shri. R K Srivastava Office of the Insurance Ombudsman, Janak Vihar Complex ,
2nd Floor, 6, Malviya Nagar, Opp. Airtel Office, Near New Market, Bhopal - 462 003. Tel .:
0755 - 2769201 / 2769202 Fax: 0755 - 2769203 Email: [email protected]
Punjab, Haryana, Himachal Pradesh, Jammu & Kashmir,Chandigarh CHANDIGARH - Shri. Manik B. Sonawane Office of the Insurance Ombudsman ,S.C.O. No.
101, 102 & 103, 2nd Floor, Batra Building, Sector 17 - D, Chandigarh - 160 017. Tel.: 0172 -
2706196 / 2706468 Fax: 0172 - 2708274 Email: [email protected]
Delhi DELHI - Smt. Sandhya Baliga Office of the Insurance Ombudsman, 2/2 A, Universal
Insurance Building, Asaf Ali Road, New Delhi - 110 002. Tel.: 011 - 23239633 / 23237539 Fax:
011 - 23230858 Email: [email protected]
Andhra Pradesh,Telangana,Yanam and part of Territory of HYDERABAD - Shri. G. Rajeswara Rao Office of the Insurance Ombudsman, 6-2-46, 1st
Pondicherry floor, "Moin Court", Lane Opp. Saleem Function Palace, A. C. Guards, Lakdi-Ka-Pool,
Hyderabad - 500 004. Tel.: 040 - 65504123 / 23312122 Fax: 040 - 23376599
Email:[email protected]
Kerala, Lakshadweep, Mahe-a part of Pondicherry ERNAKULAM - Shri. P. K. Vijayakumar Office of the Insurance Ombudsman, 2nd Floor,
Pulinat Bldg., Opp. Cochin Shipyard, M. G. Road, Ernakulam - 682 015. Tel.: 0484 - 2358759 /
2359338 Fax: 0484 - 2359336 Email: [email protected]
Rajasthan JAIPUR - Shri. Ashok K. Jain Office of the Insurance Ombudsman, Jeevan Nidhi - II Bldg .,
Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005. Tel.: 0141 - 2740363 Email:
[email protected]
Districts of Uttar Pradesh : Laitpur, Jhansi, Mahoba, Hamirpur,
Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur,
Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, LUCKNOW - Shri. N. P. Bhagat Office of the Insurance Ombudsman, 6th Floor, Jeevan
Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001. Tel.: 0522 - 2231330 /
Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, 2231331 Fax: 0522 - 2231310 Email: [email protected]
Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar,
Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur,
Chandauli, Ballia, Sidharathnagar
Karnataka BENGALURU - Shri. M. Parshad Office of the Insurance Ombudsman, Jeevan Soudha
Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase,
Bengaluru - 560 078. Tel.: 080 - 26652048 / 26652049 Email: [email protected]

West Bengal, Bihar, Sikkim, Jharkhand, Andaman & Nicobar KOLKATA - Shri. K. B. Saha Office of the Insurance Ombudsman, Hindustan Bldg. Annexe,
Islands 4th Floor, 4, C.R. Avenue, KOLKATA - 700 072. Tel.: 033 - 22124339 / 22124340 Fax : 033 -
22124341 Email: [email protected]
Goa, Mumbai Metropolitan Region excluding Navi Mumbai & MUMBAI - Shri. A. K. Dasgupta Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva
Thane Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054.Tel.: 022 - 26106552 / 26106960 Fax:
022 - 26106052 Email: [email protected]
Maharashtra, Area of Navi Mumbai and Thane excluding Mumbai Pune - Shri. A. K. Sahoo Office of the Insurance Ombudsman, Jeevan Darshan Bldg ., 2nd
Metropolitan Region Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune - 411 030.
Tel.: 020 - 32341320 Email: [email protected]
State of Uttaranchal and the following Districts of Uttar Pradesh:
Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar,
Etah, Kanooj, Mainpuri, Mathura, Meerut, Moradabad,
NOIDA Office of the Insurance Ombudsman, Email: [email protected]
Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad,
Gautambodhanagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur,
Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras,
Kanshiramnagar, Saharanpur.

STATUTORY NOTICE: "INSURANCE IS THE SUBJECT MATTER OF SOLICITATION"

3114205914215300000 Page 12 of 13
Registered & Corporate Office: 1st Floor, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai - 400020. Customer Service Address: 6th Floor, Leela Business Park, Andheri Kurla Road,
Andheri (E), Mumbai - 400 059. Toll Free : 1800-2-700-700 (Accessible from India only) | Fax : 91 22 6638 3699 | [email protected] | www.hdfcergo.com
CIN : U66030MH2007PLC177117 UIN : IRDAN125P0017V02201112 IRDAI Reg No. 146.
HDFC ERGO General Insurance Company Limited

EXCLUSION - COMMUNICABLE DISEASE

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.

3114205914215300000 Page 13 of 13
Registered & Corporate Office: 1st Floor, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai - 400020. Customer Service Address: 6th Floor, Leela Business Park, Andheri Kurla Road,
Andheri (E), Mumbai - 400 059. Toll Free : 1800-2-700-700 (Accessible from India only) | Fax : 91 22 6638 3699 | [email protected] | www.hdfcergo.com
CIN : U66030MH2007PLC177117 UIN : IRDAN125P0017V02201112 IRDAI Reg No. 146.