{"uin":"121N153V01","name":"INL Cancer Shield Plan","url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/inl-cancer-shield-plan-121n153v01","insurer":{"slug":"indusind-nippon-life-insurance","name":"IndusInd Nippon Life Insurance Company Limited","url":"https://indiainsurances.com/insurer/indusind-nippon-life-insurance"},"line":"life","category":"disease-specific","category_name":"Disease-specific cover","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"IndusInd Nippon Life Cancer Shield Plan is a non-linked, non-participating, fixed benefit individual pure risk health insurance plan with Silver, Gold and Little Star options. It has no death or maturity benefit and cancer claims are subject to a 180-day waiting period.","analysis":{"state":"machine","analysed_at":"2026-10-20 00:48:41.660969+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Silver Option","Gold Option","Little Star Option"],"display":"Silver Option; Gold Option; Little Star Option","note":null,"quote":"3.1.1. Silver Option This option is available for life insured with Age 18 years or above. ... 3.1.2. Gold Option This option is available for Life Insured with Age 18 years or above. ... 3.1.3. Little Star Option This option is available for Life Insured with 5 to 17 years of Age","sources":[{"clause":null,"heading":"3.1. Key Benefits","page":11,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/inl-cancer-shield-plan-121n153v01/document/9926#c-3-1-key-benefits"},{"clause":null,"heading":"Relapse of Cancer Benefit","page":11,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/inl-cancer-shield-plan-121n153v01/document/9926#c-relapse-of-cancer-benefit"},{"clause":null,"heading":"Relapse of Cancer Benefit","page":12,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/inl-cancer-shield-plan-121n153v01/document/9926#c-relapse-of-cancer-benefit-2"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"Policy term is 5 & 10 years.","display":"5 & 10 years","note":"From the sales brochure; the sample policy schedule leaves the specific policy term as a placeholder.","quote":"Policy Term (years) | 5 & 10 years","sources":[{"clause":null,"heading":"IndusInd Nippon Life Cancer Shield Plan","page":2,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/inl-cancer-shield-plan-121n153v01/document/9922#c-indusind-nippon-life-cancer-shield-plan"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"On diagnosis of cancer, the claimant should intimate the company in writing within 90 days from the date of diagnosis.","display":"Within 90 days from the date of Diagnosis","note":null,"quote":"On Diagnosis of Cancer of the Life Insured, the Claimant should intimate the Company in writing within 90 days, from the date of Diagnosis.","sources":[{"clause":"6.6","heading":"Claims","page":19,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/inl-cancer-shield-plan-121n153v01/document/9926#c-6-6"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Certificate from the attending Medical Practitioner","Original Policy Document","Duly completed claim form","Original Discharge Certificate/Death Summary/Discharge Card from the Hospital/Medical Pract itioner/Indoor case papers","Hospital Discharge Card photocopy","Hospital Bills photocopy","Pharmacy/Investigations Bills","Investigations Reports","Details of the treatment received by the Insured Person from the inception of the ailment","Letter from treating consultant stating presenting complaints with duration and past medical history","Histopathology / Cytology / FNAC / Biopsy /Immuno- histochemistry reports","X-Ray / CT scan / MRI scan / USG /Radioisotope / Bone scan Reports","Blood Tests","Photo ID Proof of Insured/ Nominee","Address Proof of Insured / Nominee","KYC documents and 2 recent coloured passport size photographs of Insured/ Nominee","Signed NEFT mandate along cancelled cheque copy of Insured/Nominee","Any other documents as may be required by Us"],"display":"Certificate from attending medical practitioner, original policy document, completed claim form, hospital/discharge and investigation records, ID/address/KYC, NEFT mandate and any other documents required","note":null,"quote":"a) Certificate from the attending Medical Practitioner of the Insured Person confirming, inter alia,\ni) Name of the Life Insured;\nii) Name, date of occurrence and medical details confirming the event giving rise to the Claim.\niii) Written confirmation from the treating Medical Practitioner that the event giving rise to the claim does not relate to any Pre-Existing Disease or any Illness or injury which was diagnosed within the first 180 days of Date of Commencement of Risk or within 180 days from date of every subsequent revival with Us.\nb) Original Policy Document;\nc) Duly completed claim form;\nd) Original Discharge Certificate/Death Summary/Discharge Card from the Hospital/Medical Pract itioner/Indoor case papers;\ni) Hospital Discharge Card photocopy\nii) Hospital Bills photocopy\niii) Pharmacy/Investigations Bills\niv) Investigations Reports\nv) Details of the treatment received by the Insured Person from the inception of the ailment\nvi) Letter from treating consultant stating presenting complaints with duration and past medical history\nvii) Histopathology / Cytology / FNAC / Biopsy /Immuno- histochemistry reports\nviii) X-Ray / CT scan / MRI scan / USG /Radioisotope / Bone scan Reports\nix) Blood Tests\nx) Any other specific investigation done to support the Diagnosis like the PAP Smear / Mammography, etc.\ne) Photo ID Proof of Insured/ Nominee;\nf) Address Proof of Insured / Nominee;\ng) KYC documents and 2 recent coloured passport size photographs of Insured/ Nominee as per the Anti Money Laundering (AML) Guidelines of the Company\nh) Signed NEFT mandate along cancelled cheque copy of Insured/Nominee\ni) Any other documents as may be required by Us","sources":[{"clause":"6.6.1","heading":"List of documents for all Cancer Claims","page":19,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/inl-cancer-shield-plan-121n153v01/document/9926#c-6-6-1"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The company shall settle the claim within 15 days from the date of receipt of request.","display":"Within 15 days from the date of receipt of request","note":null,"quote":"The Company shall settle the claim within 15 days from the date of receipt of request","sources":[{"clause":"6.6.1","heading":"List of documents for all Cancer Claims","page":19,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/inl-cancer-shield-plan-121n153v01/document/9926#c-6-6-1"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Waiting Period of 180 days","Pre-Existing Disease","AIDS/HIV-related conditions","sexually transmitted disease","use, abuse or consequence or influence of any substance, intoxicant, drug, alcohol or hallucinogen","Narcotics used by the Insured Person unless taken as prescribed by a Medical Practitioner","ionizing radiation or contamination by radioactivity","Congenital external diseases, defects or Anomalies of the Insured","certification/Diagnosis/treatment from persons not registered as Medical Practitioners","Diagnosis or treatment that is not scientifically recognized or Unproven/Experimental Treatment","self-medication and its complications","suicide","Diagnosis made post mortem"],"display":"180-day waiting period, pre-existing disease, HIV/AIDS, sexually transmitted disease, substance/alcohol/drug use, unprescribed narcotics, nuclear/radiation causes, congenital external conditions, unregistered or unscientific treatment, self-medication, suicide and post-mortem diagnosis","note":null,"quote":"Waiting Period of 180 days will be applicable from the Date of Commencement of Risk and from the date of revival for every subsequent revival during the Policy Term. No benefit shall be payable if signs or symptoms, or Diagnosis of Early Stage Cancer or CIS or Major Stage Cancer to the Life Insured occurs during the Waiting Period. ... A claim would not be admitted if the Diagnosis is made post mortem. ... No benefit shall be payable under this Policy in case of suicide. ... No benefit under this Policy will be payable in respect of any Cancer resulting directly or indirectly from or in respect of any of the following:\n1. Pre-Existing Disease means any condition, ailment, injury or disease: ... 2. Any condition directly or indirectly caused due to or associated with human T-cell Lymph tropic virus type III (HLTV-III or IITLB-III) or Lymphadinopathy Associated Virus (LAV) and its variants or mutants, Acquired Immune Deficiency Syndrome (AIDS) whether or not arising out of HIV, AIDS related complex syndrome (ARCS) and all diseases/illness/injury caused by and/or related to HIV;\n3. Any condition directly or indirectly caused by or associated with any sexually transmitted disease, including Genital Warts, Syphilus, Gonorrhoea, Genital Herpes, Chalmydia, Pubic Lice, Trichomoniasis, whether or not arising out of conditions listed under 2 above.\n4. Any condition arising out of use, abuse or consequence or influence of any substance, intoxicant, drug, alcohol or hallucinogen\n5. Narcotics used by the Insured Person unless taken as prescribed by a Medical Practitioner\n6. Any Critical Illness caused by ionizing radiation or contamination by radioactivity from any nuclear fuel (explosive or hazardous form) or from any nuclear waste from the combustion of nuclear fuel, nuclear, chemical or biological attack\n7. Congenital external diseases, defects or Anomalies of the Insured\n8. Any Critical Illness based on certification/Diagnosis/treatment from persons not registered as Medical Practitioners, or from a Medical Practitioner who is practicing outside the discipline that he is licensed for, or any Diagnosis or treatment that is not scientifically recognized or Unproven/Experimental Treatment, or is not Medically Necessary or any kind of self-medication and its complications","sources":[{"clause":"6.2","heading":"Waiting Period","page":19,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/inl-cancer-shield-plan-121n153v01/document/9926#c-6-2"},{"clause":"6.1","heading":"Plan Benefit","page":19,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/inl-cancer-shield-plan-121n153v01/document/9926#c-6-1"},{"clause":"6.7","heading":"Suicide","page":20,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/inl-cancer-shield-plan-121n153v01/document/9926#c-6-7"},{"clause":null,"heading":"Early Stage Cancers","page":25,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/inl-cancer-shield-plan-121n153v01/document/9926#c-early-stage-cancers-2"},{"clause":"6(b)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/inl-cancer-shield-plan-121n153v01/document/9926#c-6-b"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact IndusInd Nippon Life by toll-free call, customer-service email, nearest branch or written customer-care address. If unresolved for more than 14 days or unsatisfactory, escalate to the service branch manager/Local Grievance Redressal Officer, then the Grievance Redressal Officer before the Insurance Ombudsman.","display":"Call/email/branch/write to customer care first; then service branch manager or Local Grievance Redressal Officer; then Grievance Redressal Officer","note":null,"quote":"Step 1: If You are dissatisfied with any of Our services, please feel free to contact Us at the following contact points –– Step 1.1: Call Us at 1800 102 1010 (Toll free); Call centre timings: 8am to 8pm Monday to Saturday or Email: customerservice@indusindnipponlife.com OR Step 1.2: Contact the customer service executive at Your nearest branch of the Company OR Step 1.3: Write to: IndusInd Nippon Life Customer Care ... Step 2: If Your complaint is unresolved for more than 14 days, or, you are not satisfied with the solution provided, or, you have wish to register a complaint, please contact Our service branch manager, who is also the Local Grievance Redressal Officer at Your nearest branch OR email us at headcustomercare@indusindnipponlife.com OR write to the correspondence address mentioned in Step 1 above\nStep 3: If you are not satisfied with the resolution, please write to Our Grievance Redressal Officer at gro@indusindnipponlife.com OR write to the correspondence address mentioned in Step 1 above\nStep 4: If the issues remain unresolved; you may refer the matter to the Insurance Ombudsman in accordance with the applicable rules","sources":[{"clause":"7.3","heading":"Grievance Redressal","page":27,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/inl-cancer-shield-plan-121n153v01/document/9926#c-7-3"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_assured","label":"Sum assured","section":"Cover","meaning":"The minimum and maximum life cover, or the rule that sets it (for example 10 times the annual premium).","status":"quote-verified","value":"Basic Sum Insured is ₹10,00,000 under Little Star Option and ₹10,00,000 to ₹40,00,000 under Silver/Gold Option.","display":"Little Star: ₹10,00,000; Silver/Gold: ₹10,00,000 to ₹40,00,000","note":"From the sales brochure. This product has a cancer benefit Basic Sum Insured, not a death-cover sum assured.","quote":"Little Star Option | ₹10,00,000\nBasic Sum Insured (₹)\nSilver/Gold Option | ₹10,00,000 | ₹40,00,000","sources":[{"clause":null,"heading":"IndusInd Nippon Life Cancer Shield Plan","page":2,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/inl-cancer-shield-plan-121n153v01/document/9922#c-indusind-nippon-life-cancer-shield-plan"}],"law":[]},{"key":"death_benefit","label":"Death benefit","section":"Cover","meaning":"What your family gets if you die during the term, and how it is calculated.","status":"quote-verified","value":"There is no death benefit under this policy.","display":"No death benefit","note":null,"quote":"3.1.5. Death Benefit There is no death benefit under this Policy.","sources":[{"clause":null,"heading":"Relapse of Cancer Benefit","page":14,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/inl-cancer-shield-plan-121n153v01/document/9926#c-relapse-of-cancer-benefit-3"}],"law":[]},{"key":"maturity_benefit","label":"Maturity benefit","section":"Cover","meaning":"What you get if you survive to the end of the term.","status":"quote-verified","value":"There is no maturity benefit under this policy.","display":"No maturity benefit","note":null,"quote":"3.1.4. Maturity Benefit There is no maturity benefit under this Policy.","sources":[{"clause":null,"heading":"Relapse of Cancer Benefit","page":14,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/inl-cancer-shield-plan-121n153v01/document/9926#c-relapse-of-cancer-benefit-3"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"quote-verified","value":"Premium payment term can be Single Pay, Limited Pay of 2, 3 or 5 years, or Regular Pay of 5 years.","display":"Single Pay; Limited Pay (2, 3, 5 years); Regular Pay (5 year)","note":"From the sales brochure; the sample policy schedule leaves the premium payment term as a placeholder.","quote":"Single Pay Limited Pay (2, 3, 5 years) Premium Payment Term Regular Pay (5 year)","sources":[{"clause":null,"heading":"IndusInd Nippon Life Cancer Shield Plan","page":2,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/inl-cancer-shield-plan-121n153v01/document/9922#c-indusind-nippon-life-cancer-shield-plan"}],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"quote-verified","value":"Maximum age at maturity is 75 years for Silver/Gold Option and 32 years for Little Star Option.","display":"Silver/Gold: 75 years; Little Star: 32 years","note":"From the sales brochure.","quote":"Little Star Option | 10 | 32\nAge at Maturity (years)\nSilver/Gold Option | 23 | 75","sources":[{"clause":null,"heading":"IndusInd Nippon Life Cancer Shield Plan","page":2,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/inl-cancer-shield-plan-121n153v01/document/9922#c-indusind-nippon-life-cancer-shield-plan"}],"law":[]},{"key":"suicide_clause","label":"Suicide clause","section":"Exclusions","meaning":"What is paid if death is by suicide within the first 12 months.","status":"quote-verified","value":"No benefit is payable under this policy in case of suicide.","display":"No benefit payable in case of suicide","note":"The clause does not limit this to the first 12 months.","quote":"No benefit shall be payable under this Policy in case of suicide.","sources":[{"clause":"6.7","heading":"Suicide","page":20,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/inl-cancer-shield-plan-121n153v01/document/9926#c-6-7"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 21","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 35","url":"https://indiainsurances.com/law/irdai-life-products-2024"}]},{"key":"surrender","label":"Surrender value","section":"Renewal and rights","meaning":"What you get if you stop the policy early, and from when.","status":"quote-verified","value":"Surrender benefit is as defined under exit value. No exit value is payable for Regular Pay; for Single Pay and Limited Pay, exit value is payable after the stated conditions using the formula in the policy.","display":"Regular Pay: no exit value; Single Pay/Limited Pay: exit value by formula after first policy year conditions","note":null,"quote":"No benefit is payable in the event of Surrender by the Policyholder opted for regular premium paying frequency. For other than Regular pay exit value will be as follow:\nPremium Payment Type | Exit Benefit | Exit Value\nRegular Pay | Not applicable | No exit value payable\nSingle Pay | << Exit Value shall be payable on completion of first policy year. >> to be printed for single premium policy << Exit Value shall be payable on completion of first policy year if at least 1 full year’s premiums have been paid >> to be printed for limited/regular premium policy | Single Pay: 75% multiplied by Total Premium Paid multiplied by (1 - Premium Paying Term / Policy Term) multiplied by (Outstanding Policy Term / Policy Term)\nLimited Pay | Other than Single Premium: 50% multiplied by Total Premium Paid multiplied by (1 - Premium Paying Term / Policy Term) multiplied by (Outstanding Policy Term / Policy Term) ... Surrender means voluntary termination of the Policy by You..Benefit shall be payable as defined in section 4.2.","sources":[{"clause":"4.2","heading":"Exit Value","page":16,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/inl-cancer-shield-plan-121n153v01/document/9926#c-4-2"},{"clause":"4.5","heading":"Surrender Benefit","page":17,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/inl-cancer-shield-plan-121n153v01/document/9926#c-4-5"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.1 to 26.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.4 and 26.5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 27","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.16 and 1.17","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(1) to (3)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(4) and (5)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(6) to (9)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(B)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vi)(c)(V)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"paid_up","label":"Paid-up value","section":"Renewal and rights","meaning":"What cover continues if you stop paying premiums after a few years.","status":"quote-verified","value":"There is no paid-up value under this policy.","display":"No paid-up value","note":null,"quote":"There is no paid-up value under this Policy.","sources":[{"clause":"4.4","heading":"Paid-up Value","page":17,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/inl-cancer-shield-plan-121n153v01/document/9926#c-4-4"}],"law":[]},{"key":"revival","label":"Revival period","section":"Renewal and rights","meaning":"How long after lapsing you can restart the policy.","status":"quote-verified","value":"A lapsed policy can be revived within five years from the due date of first unpaid premium, before maturity, by paying arrears with applicable revival interest subject to underwriting.","display":"Within five years from the due date of first unpaid premium","note":"Waiting Period of 180 days applies from the date of revival for every revival during the policy term.","quote":"A Policy in lapsed state can be revived within five years from the due date of first unpaid premium, but before the date of maturity of the plan, by paying the arrears of premiums along with the applicable Revival interest subject to Board Approved Underwriting Policy.","sources":[{"clause":null,"heading":"3.2.8. Policy Revival","page":16,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/inl-cancer-shield-plan-121n153v01/document/9926#c-3-2-8-policy-revival"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.1 and 40.1.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.4","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.7","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.28","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.39","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"policy_loan","label":"Policy loan","section":"Renewal and rights","meaning":"Whether you can borrow against the policy.","status":"quote-verified","value":"Loans are not available with this plan.","display":"Loans not available","note":null,"quote":"Loans will not be available with this plan.","sources":[{"clause":"4.3","heading":"Loans","page":17,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/inl-cancer-shield-plan-121n153v01/document/9926#c-4-3"}],"law":[]},{"key":"riders_available","label":"Riders available","section":"Cover","meaning":"Optional add-ons such as accidental death, critical illness or waiver of premium.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"section45","label":"Claims after 3 years (Section 45)","section":"Claims","meaning":"After 3 years a life policy cannot be questioned on any ground, and only for fraud with proof before that.","status":"quote-verified","value":"After 3 years from the later of policy issuance, commencement of risk, revival or rider date, the policy cannot be called in question on any ground. Within 3 years, it may be questioned for fraud or for material misstatement/suppression, with grounds and materials communicated in writing; for non-fraud misstatement, premiums collected till repudiation are paid within 90 days.","display":"Cannot be called in question after 3 yrs; within 3 years only on stated fraud or material misstatement grounds","note":null,"quote":"No Policy of Life Insurance shall be called in question on any ground whatsoever after expiry of 3 yrs from ... a) the date of issuance of Policy or ... b) the Date of Commencement of Risk or ... c) the date of revival of Policy or ... d) the date of rider to the Policy whichever is later. ... On the ground of fraud, a Policy of Life Insurance may be called in question within 3 years from ... Life insurance Policy can be called in question within 3 years on the ground that any statement of or suppression of a fact material to expectancy of life of the insured was incorrectly made in the proposal or other document basis which Policy was issued or revived or rider issued. ... In case repudiation is on ground of mis-statement and not on fraud, the premium collected on Policy till the date of repudiation shall be paid to the insured or legal representative or Nominee or assignees of insured, within a period of 90 days from the date of repudiation.","sources":[{"clause":"11","heading":"Appendix D","page":38,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/inl-cancer-shield-plan-121n153v01/document/9926#c-11"},{"clause":"11(a)","heading":null,"page":38,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/inl-cancer-shield-plan-121n153v01/document/9926#c-11-a"},{"clause":"11(b)","heading":null,"page":38,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/inl-cancer-shield-plan-121n153v01/document/9926#c-11-b"},{"clause":"11(c)","heading":null,"page":38,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/inl-cancer-shield-plan-121n153v01/document/9926#c-11-c"},{"clause":"11(d)","heading":null,"page":38,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/inl-cancer-shield-plan-121n153v01/document/9926#c-11-d"},{"clause":"11(d)","heading":null,"page":38,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/inl-cancer-shield-plan-121n153v01/document/9926#c-11-d-3"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 45","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"tax_note","label":"Tax note in the document","section":"Premium","meaning":"What the document says about tax benefits. Not stated when it only says taxes are charged on the premium. Tax law changes; confirm separately.","status":"quote-verified","value":"Premiums paid under the plan are eligible for tax deduction subject to applicable tax laws and conditions; income tax benefits are as per prevailing income tax laws and may change.","display":"Premiums eligible for tax deduction, subject to applicable tax laws and conditions","note":null,"quote":"Premiums paid under IndusInd Nippon Life Cancer Shield Plan are eligible for tax deduction, subject to the applicable tax laws and conditions. Income tax benefits under this plan shall be applicable as per the prevailing Income Tax Laws and are subject to amendments from time to time. Kindly consult a tax expert.","sources":[{"clause":"6.8","heading":"Tax benefit","page":20,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/inl-cancer-shield-plan-121n153v01/document/9926#c-6-8"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":null,"quote":"You are provided with Free look Period of 30 days beginning from the date of receipt of Policy Document, whether received electronically or otherwise, to review the terms and conditions stipulated in the Policy Document.","sources":[{"clause":"4.1","heading":"Free look","page":16,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/inl-cancer-shield-plan-121n153v01/document/9926#c-4-1"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days in all other cases","note":"15 days where the policyholder pays the premium on a monthly basis.","quote":"The Grace Period for payment of the premium shall be 15 days, where the Policyholder pays the premium on a monthly basis and 30 days in all other cases. The Policy shall remain in-force during the Grace Period.","sources":[{"clause":null,"heading":"3.2.6. Grace Period for payment of premium","page":16,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/inl-cancer-shield-plan-121n153v01/document/9926#c-3-2-6-grace-period-for-payment-of-premium"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"Entry age is 18 to 65 years for Silver/Gold Option and 5 to 17 years for Little Star Option.","display":"Silver/Gold: 18 to 65 years; Little Star: 5 to 17 years","note":"The Silver/Gold maximum entry age is from the sales brochure; Little Star age is stated in the policy wording.","quote":"Silver/Gold Option | 18 | 65 ... This option is available for Life Insured with 5 to 17 years of Age","sources":[{"clause":null,"heading":"IndusInd Nippon Life Cancer Shield Plan","page":2,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/inl-cancer-shield-plan-121n153v01/document/9922#c-indusind-nippon-life-cancer-shield-plan"},{"clause":null,"heading":"Relapse of Cancer Benefit","page":12,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/inl-cancer-shield-plan-121n153v01/document/9926#c-relapse-of-cancer-benefit-2"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["yearly","half-yearly","quarterly","monthly"],"display":"yearly, half-yearly, quarterly or monthly","note":null,"quote":"The Policyholder can pay premium either in yearly, half-yearly, quarterly or monthly frequency.","sources":[{"clause":null,"heading":"3.2.4. Premium Payment Frequency","page":15,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/inl-cancer-shield-plan-121n153v01/document/9926#c-3-2-4-premium-payment-frequency"}],"law":[]},{"key":"premium_type","label":"Premium payment type","section":"Premium","meaning":"Single premium, regular premium (every year of the term) or limited premium (fewer years than the term).","status":"quote-verified","value":["Single Pay","Limited Pay","Regular Pay"],"display":"Single Pay, Limited Pay and Regular Pay","note":"From the sales brochure.","quote":"Single Pay Limited Pay (2, 3, 5 years) Premium Payment Term Regular Pay (5 year)","sources":[{"clause":null,"heading":"IndusInd Nippon Life Cancer Shield Plan","page":2,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/inl-cancer-shield-plan-121n153v01/document/9922#c-indusind-nippon-life-cancer-shield-plan"}],"law":[]},{"key":"disease","label":"Disease covered","section":"Cover","meaning":"The condition this policy is for.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"payout","label":"Payout","section":"Cover","meaning":"Lump sum, staged, or hospital bills.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"survival_period","label":"Survival period","section":"Waiting periods","meaning":"Days you must survive after diagnosis before payment.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"121N153V01_INL Cancer Shield Plan_Sample Policy Document","pages":39,"fetched_at":"2026-10-17 19:38:53+00","source_url":"https://www.indusindnipponlife.com/documents/34625/224934/03-policy-document_inl-cancer-shield-plan_121n153v01.pdf","url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/inl-cancer-shield-plan-121n153v01/document/9926"},{"kind":"cis","label":"121N153V01_INL_Cancer Shield Plan_Sample CIS","pages":10,"fetched_at":"2026-10-17 19:38:45+00","source_url":"https://www.indusindnipponlife.com/documents/34625/224932/05-customer-information-sheet_inl-cancer-shield-plan_121n153v01.pdf","url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/inl-cancer-shield-plan-121n153v01/document/9921"},{"kind":"brochure","label":"IndusInd Nippon Life Cancer Shield Plan","pages":18,"fetched_at":"2026-10-17 19:38:41+00","source_url":"https://www.indusindnipponlife.com/documents/34625/224960/inl-cancer-shield-plan_brochure_updated.pdf","url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/inl-cancer-shield-plan-121n153v01/document/9922"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"IndusInd Nippon Life Insurance official website","url":"https://www.indusindnipponlife.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claims","url":"https://www.indusindnipponlife.com/claims","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://www.indusindnipponlife.com/grievance-redressals","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: 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."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"INL Cancer Shield Plan (UIN 121N153V01), IndiaInsurances, https://indiainsurances.com/policy/indusind-nippon-life-insurance/inl-cancer-shield-plan-121n153v01"}