How to Check Gas Insurance in India: A Complete Step-by-Step Guide
Liquefied Petroleum Gas (LPG) is used daily in millions of Indian households for cooking. While LPG is convenient and affordable, it also involves certain risks such as gas leakage, fire accidents, cylinder blasts, or regulator failures. To protect consumers from financial loss due to such accidents, LPG insurance coverage is provided to domestic gas consumers in India.
Many people are unaware that gas insurance is already included with their LPG connection and that they are eligible for compensation in case of accidents. Even those who know about it often do not know how to check gas insurance status, how much coverage is available, or how to claim it.
This article explains everything in detail, including what gas insurance is, who provides it, how to check it online and offline, coverage amount, claim process, required documents, and common mistakes to avoid.
What Is Gas Insurance in India?
Gas insurance in India is a public liability insurance cover provided to domestic LPG consumers by oil marketing companies (OMCs) such as:
- Indian Oil Corporation (Indane)
- Bharat Petroleum Corporation (Bharat Gas)
- Hindustan Petroleum Corporation (HP Gas)
This insurance protects LPG consumers against third-party liability, injury, death, and property damage caused due to LPG-related accidents occurring at the registered address.
The insurance coverage is arranged by the oil companies through insurance providers like:
- New India Assurance
- United India Insurance
- Oriental Insurance
- National Insurance Company
Consumers do not need to pay any extra premium for this insurance as it is included in the LPG connection cost.
Is Gas Insurance Mandatory for LPG Consumers?
Yes, gas insurance coverage is automatically applicable to all registered domestic LPG consumers who:
- Have a valid LPG connection
- Use ISI-marked cylinders, regulators, and hoses
- Get refills from authorized LPG distributors
- Have installed the LPG connection at the registered address
If an LPG connection is illegal or unregistered, insurance coverage may not apply.
What Does LPG Gas Insurance Cover?
Gas insurance provides financial protection in case of accidents caused due to LPG usage. The coverage generally includes:
1. Death or Injury
- Compensation for death of the LPG consumer or third parties
- Compensation for permanent or temporary disability
- Medical expenses for injuries
2. Property Damage
- Damage to house structure
- Damage to household items such as furniture, appliances, and electrical wiring
3. Third-Party Liability
- Injury or death of neighbors or visitors
- Damage to nearby properties
How Much Is the Gas Insurance Coverage Amount?
The insurance coverage amount may vary slightly based on the policy, but generally includes:
- Up to ₹50 lakh per accident (total liability)
- Up to ₹10 lakh per person for death or injury
- Up to ₹2 lakh for medical expenses per person
- Up to ₹5 lakh for property damage per incident
These limits are subject to insurance company terms and conditions.
How to Check Gas Insurance Status in India
Many consumers want to know whether their gas connection is insured and how to verify it. Below are all possible ways to check gas insurance in India.
Method 1: Check Gas Insurance Through LPG Distributor
The simplest way to check gas insurance status is by contacting your local LPG distributor.
Steps:
- Visit your LPG distributor office
- Provide your:
- Consumer number
- Registered mobile number
- Address
- Ask for confirmation of insurance coverage
- Distributor can verify your insurance status through the oil company database
Advantages:
- Easy and reliable
- No technical knowledge required
- Useful for elderly consumers
Method 2: Check Gas Insurance Using LPG Consumer Number
Every LPG consumer is assigned a consumer number or LPG ID. This number is linked to your insurance.
Steps:
- Find your LPG consumer number from:
- Gas book
- Refill receipt
- SMS confirmation
- Contact customer care of your gas company
- Provide consumer number and registered details
- Request confirmation of insurance coverage
Method 3: Check Gas Insurance Through Gas Company Customer Care
Each LPG provider has customer care support that can confirm insurance details.
Customer Care Numbers (Common):
- Indane Gas: 1800-233-3555
- Bharat Gas: 1800-224-344
- HP Gas: 1800-233-3555
Steps:
- Call the customer care number
- Select the option for LPG consumer services
- Provide consumer number or registered mobile number
- Ask for insurance coverage confirmation
Method 4: Check Gas Insurance Online (Indirect Verification)
Currently, there is no separate official online portal exclusively for checking LPG insurance status. However, you can indirectly verify eligibility by checking your LPG connection status online.
Steps:
- Visit the official website of your gas provider
- Log in using:
- Registered mobile number
- LPG ID
- Check if your connection is:
- Active
- Domestic
- Registered at your current address
- If active and registered, insurance coverage applies automatically
Method 5: Check Insurance Through Insurance Company (After Accident)
In case of an accident, the insurance company assigned to your gas provider can confirm coverage based on your consumer details.
Steps:
- Contact your LPG distributor
- Get the insurance company name and policy details
- Contact the insurance company with:
- Consumer number
- Distributor details
- Accident report
Important Conditions to Be Eligible for Gas Insurance
Insurance claims are approved only if certain conditions are met:
- LPG cylinder must be obtained from an authorized distributor
- Regulator, hose, and stove must be ISI certified
- Installation must be done by authorized personnel
- Accident must occur at the registered address
- Gas leakage or accident should not be due to negligence
- Safety instructions must be followed
Failure to meet these conditions may lead to claim rejection.
How to Claim Gas Insurance in India
Checking insurance is important, but knowing how to claim it is even more critical.
Step-by-Step Gas Insurance Claim Process
Step 1: Inform LPG Distributor Immediately
- Report the accident as soon as possible
- Distributor will inspect the site
- A safety officer may visit the location
Step 2: Lodge FIR (If Required)
- In case of major injury, death, or fire
- Obtain a copy of FIR or police report
Step 3: Submit Insurance Claim Form
The distributor will provide a claim form or guide you to the insurance company.
Step 4: Submit Required Documents
Common documents include:
- LPG consumer ID proof
- Copy of gas connection book
- Distributor inspection report
- Fire brigade report (if applicable)
- Medical reports or death certificate
- Property damage assessment
- FIR copy (if applicable)
- Identity proof of claimant
Step 5: Insurance Company Assessment
- Insurance company appoints a surveyor
- Damage and loss are evaluated
- Verification of accident cause
Step 6: Claim Settlement
- If approved, compensation is credited to the claimant’s bank account
- Time taken may range from 30 to 90 days
How Long Is Gas Insurance Valid?
Gas insurance remains valid as long as:
- Your LPG connection is active
- You are receiving refills regularly
- Your connection is not surrendered or transferred
- Address details are correct
If a connection is inactive for a long period, insurance coverage may lapse.
Common Reasons for Gas Insurance Claim Rejection
Understanding common mistakes can help avoid rejection.
- Using non-ISI stove or regulator
- Unauthorized installation
- Accident outside registered premises
- Delayed reporting of accident
- Tampered safety equipment
- Commercial use of domestic LPG
How to Ensure Your Gas Insurance Is Always Valid
Follow these safety and compliance steps:
- Get installation done by authorized technician
- Replace rubber hose every 2–3 years
- Always keep regulator locked properly
- Conduct periodic safety checks
- Update address in LPG records if you shift house
- Do not modify LPG equipment
Frequently Asked Questions About Gas Insurance in India
Is gas insurance free for consumers?
Yes, domestic LPG gas insurance is free and included in the connection.
Do I need to renew gas insurance every year?
No, it is automatically renewed as long as the connection is active.
Does insurance cover cylinder blast?
Yes, if it occurs due to manufacturing defect or leakage and safety rules are followed.
Is tenant covered under gas insurance?
Yes, if the LPG connection is registered at that address and used by the tenant.
Can I claim insurance for minor gas leakage?
Insurance usually applies to accidents causing injury or property damage, not minor leakage without damage.
Difference Between Gas Insurance and Home Insurance
| Aspect | Gas Insurance | Home Insurance |
|---|---|---|
| Provided by | LPG companies | Insurance companies |
| Premium | Free | Paid |
| Coverage | LPG-related accidents | Comprehensive risks |
| Validity | Linked to LPG connection | Policy period |
| Claim scope | Limited | Wider |
Both can coexist for better protection.
Click Hear to Check
Click Hear to Check
Gas insurance in India is a highly valuable but under-utilized protection available to every domestic LPG consumer. Most people are unaware that they are already insured and eligible for compensation in case of accidents.
Checking gas insurance is simple and can be done through your distributor, customer care, or by verifying your active LPG connection. Understanding the claim process, safety conditions, and eligibility criteria ensures that you or your family do not face financial hardship during emergencies.
Every LPG user should take a few minutes to confirm their gas insurance status and follow safety norms to ensure full protection.