Grievance Redressal Procedure For Bharat Laghu Udyam Suraksha Office Package Policy

The Bharat Laghu Udyam Suraksha Office Package policy is an MSME insurance plan designed for small-level organisations. With this kind of coverage, enterprises can ensure they are financially protected if something untoward occurs. These policies cover a wide range of events, such as damage to building and/or contents, burglary, breakdown of office equipment, damage to or loss of plate glass, public liability cover, fidelity guarantee, and so on. If you have opted for the Bharat Laghu Udyam Suraksha Office Package plan, you can raise a claim if any such event occurs and receive adequate compensation.* Claims are subject to terms and conditions set forth under commercial insurance policy. However, there may be instances where you may have concerns or grievances. In such situations, insurance companies have a grievance redressal procedure in place. Let’s look at it in detail.

Grievance Redressal Procedure - A Detailed Look 

At Bajaj Allianz General Insurance, there are multiple levels within this procedure for policyholders to express their concerns.

1. Level 1:

If you have any concerns, you can reach out to the Customer Experience team through multiple platforms -

1. Log on to Bajaj Allianz’s website - https://general.bajajallianz.com/Corp/aboutus/generalinsurance-customer-service.jsp.
2. Call the Bajaj Allianz team at the Toll-free number - 1800 209 5858.
3. Write an email at bagichelp@bajajallianz.co.in.
4. Write to Bajaj Allianz General Insurance Company Limited.

2. Level 2:

If the initial response does not prove satisfactory, you can get better clarity by writing to the Grievance Redressal Officer at ggro@bajajallianz.co.in.

3. Level 3:

If your concern hasn’t been resolved yet, you can talk to the care specialist at Bajaj Allianz General Insurance. To do the same, you can give a missed call to +91 80809 45060 OR send a text with <WORRY> To 575758. You will receive a call back soon. 4. If the resolution hasn’t been satisfactory yet, you can approach the Head of Customer Experience directly by writing to customerservice@bajajallianz.co.in. 5. While this is the grievance redressal procedure for most general insurance  plans, it may differ in some cases. It is ideal to confirm the process with your agent or insurer before proceeding. 6. Bajaj Allianz has a dedicated team for senior citizens. So, if you are above 55-60 years of age and have a concern, you can reach out to the team at 1800-103-2529 or write to seniorcitizen@bajajallianz.co.in. 7. There’s a chance that your complaint may still be unresolved. In that case, you can escalate it to the Insurance Regulatory and Development Authority of India (IRDAI). You can use the Integrated Grievance Management System (IGMS) online and track the status of the complaint online.# For further assistance, you can also approach the Insurance Ombudsman to get your grievances resolved. Now that you know the grievance redressal procedure for the Bharat Laghu Udyam Suraksha Office Package Policy, let’s also look at some of its coverage points and more.

What is Covered by Bharat Laghu Udyam Suraksha Office Package Policy?

When you buy this MSME insurance plan, here’s what you can benefit from:

1. Building and Contents cover (excluding valuables) *

You get coverage for damage to the insured building and contents as per the annexure of your policy document.

2. Robbery and burglary cover, including theft*

Losses or damages (as defined in the policy wordings) to insured premises and contents due to burglary, robbery, or theft during the policy period are covered under the Bharat Laghu Udyam Suraksha Office Package policy.

3. Money insurance cover*

In case of loss of money carried by the insured or its employee during transit, due to theft or any other unforeseen event during the policy period, adequate compensation will be provided.

4. Plate glass cover*

The insurer shall cover the insured for accidental loss or damage to plate glass at the insured premises. Additionally, it will reimburse the reasonable costs of repairing and reinstating frames and framework due to such loss or damage, with a maximum payment limit of Rs. 5,000 per claim.

5. Breakdown of office equipment cover*

The insurer will cover the insured for repair or replacement costs of office equipment due to unforeseen and sudden physical loss (except for excluded causes). However, one must note that the insurer’s liability for any single item of office equipment in one policy period is limited to the sub-limit set against that item in the policy, whether individually or in total.

6. Baggage cover*

The insurer will compensate the insured and/or the insured's employee for accidental loss, destruction, or damage to personal baggage. This is applicable as long as the insured and/or the insured's employee are responsible for the baggage while travelling worldwide for business purposes. Claims are subject to terms and conditions set forth under commercial insurance policy. Alongside the above, the Bharat Laghu Udyam Suraksha plan offers multiple other coverages. With the help of this MSME insurance plan, enterprises can benefit from financial protection against a variety of events and risks.   *Standard T&C apply. #Visit the official website of IRDAI for further details. Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.