{"uin":"140N094V01","name":"Pramerica Life Cancer + Heart Shield Pro","url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-cancer-heart-shield-pro-140n094v01","insurer":{"slug":"pramerica-life-insurance","name":"Pramerica Life Insurance Company Limited","url":"https://indiainsurances.com/insurer/pramerica-life-insurance"},"line":"life","category":"critical-illness","category_name":"Critical illness","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Pramerica Life Cancer+Heart Shield Pro is a non-linked non-participating fixed-benefit individual pure risk health insurance plan covering cancer, heart and other major critical illness options. It has a 180-day waiting period, survival periods for claims, no maturity benefit and no surrender value.","analysis":{"state":"machine","analysed_at":"2026-10-20 00:57:52.052843+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":["Option I: Cancer Shield","Option II: Heart Shield","Option III: Cancer & Heart Shield","Option IV: Comprehensive Shield"],"display":"Option I: Cancer Shield; Option II: Heart Shield; Option III: Cancer & Heart Shield; Option IV: Comprehensive Shield","note":null,"quote":"Option I: Cancer Shield: One Minor & one Major claim will become payable during entire Policy Term Option II: Heart Shield: One Minor & one Major claim will become payable during entire Policy Term Option III: Cancer & Heart Shield: Two minor (one each from Cancer and Heart) and two major claims (one each from Cancer and Heart) will become payable during entire Policy Term. Option IV: Comprehensive Shield: Two minor (one each from Cancer and Heart) and three major claims (one each from Cancer, Heart and Major CI each) will become payable during entire Policy Term","sources":[{"clause":"Part C(ii)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-cancer-heart-shield-pro-140n094v01/document/14475#c-part-c-ii"}],"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":"Minimum 5 Years and maximum 40 Years.","display":"Minimum 5 Years; Maximum 40 Years","note":"From the sales brochure.","quote":"Policy Term | Minimum | 5 Years\nMaximum | 40 Years","sources":[{"clause":null,"heading":"Case Study","page":5,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-cancer-heart-shield-pro-140n094v01/document/14476#c-case-study"}],"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":"The company must be immediately notified in writing, preferably within 30 days of diagnosis of the defined illnesses or conditions. Delay beyond 30 days may be condoned if due to unforeseen circumstances beyond the claimant's control.","display":"Immediately in writing, preferably within 30 days of diagnosis","note":null,"quote":"a) is immediately notified in writing, and preferably within 30 days of the diagnosis of the defined illnesses/conditions, as applicable. Company may condone the delay in filing a claim beyond 30 days where the claimant can establish that the delay was due to unforeseen circumstances and beyond the control of the claimant.","sources":[{"clause":"Part F(a)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-cancer-heart-shield-pro-140n094v01/document/14475#c-part-f-a-2"}],"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":["The Company’s claim form duly completed","Copy of Policy Document","Claimant’s bank details with proof, identity and residence proof","Claimant statement","Attending physician’s statement","Attested True Copy of Indoor Case papers of the Hospital(s)","Discharge summary of present and past Hosplitalizations","First consultation and Follow-up consultation notes","Diagnosis certificate from specialist","Authorization/Consent Letter to collect medical records from Hospital","Employer certificate, if employed","Laboratory test report","X-Ray/CT Scan/MRI Reports & Plates","Ultrasonography Report","Histopathology Report","Clinical/Hospital Reports","Any other investigation report, if any","Treatment Papers (Chemotherapy , Radiotherapy etc.)","Employer Certificate, Leave Records, Medical certificate and Mediclaim details Attested Certificate by Medical Specialist with exact diagnosis alongwith staging and grading and the treatment undergone for which claim is made"],"display":"Claim form, policy copy, claimant KYC and bank proof, medical statements and hospital records, diagnosis and investigation reports, treatment papers and specialist certificate","note":"The company may ask for additional documents during claim assessment.","quote":"receives all reasonable cooperation and is entitled to seek any documentation and information, including but not limited to: (1) The Company’s claim form duly completed. (2) Copy of Policy Document. (3) Claimant’s bank details with proof, identity and residence proof. (4) Claimant statement (5) Attending physician’s statement (6) Attested True Copy of Indoor Case papers of the Hospital(s) (7) Discharge summary of present and past Hosplitalizations (8) First consultation and Follow-up consultation notes (9) Diagnosis certificate from specialist (10) Authorization/Consent Letter to collect medical records from Hospital (11) Employer certificate, if employed (12) All medical examination reports, incl ... a) Laboratory test report ... b) X-Ray/CT Scan/MRI Reports & Plates ... c) Ultrasonography Report ... d) Histopathology Report ... e) Clinical/Hospital Reports ... f) Any other investigation report, if any ... g) Treatment Papers (Chemotherapy , Radiotherapy etc.) ... h) Employer Certificate, Leave Records, Medical certificate and Mediclaim details Attested Certificate by Medical Specialist with exact diagnosis alongwith staging and grading and the treatment undergone for which claim is made.","sources":[{"clause":"Part F(c)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-cancer-heart-shield-pro-140n094v01/document/14475#c-part-f-c-2"},{"clause":"Part F(a)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-cancer-heart-shield-pro-140n094v01/document/14475#c-part-f-a-3"},{"clause":"Part F(b)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-cancer-heart-shield-pro-140n094v01/document/14475#c-part-f-b-3"},{"clause":"Part F(c)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-cancer-heart-shield-pro-140n094v01/document/14475#c-part-f-c-3"},{"clause":"Part F(d)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-cancer-heart-shield-pro-140n094v01/document/14475#c-part-f-d"},{"clause":"Part F(e)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-cancer-heart-shield-pro-140n094v01/document/14475#c-part-f-e"},{"clause":"Part F(f)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-cancer-heart-shield-pro-140n094v01/document/14475#c-part-f-f"},{"clause":"Part F(g)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-cancer-heart-shield-pro-140n094v01/document/14475#c-part-f-g"},{"clause":"Part F(h)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-cancer-heart-shield-pro-140n094v01/document/14475#c-part-f-h"}],"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 CIS states claim settlement without investigation is 15 Days and claim settlement with investigation for health is 45 Days.","display":"15 Days without investigation; 45 Days with investigation (Health)","note":"The policy wording says the company will decide claims within timelines prescribed under the applicable regulatory framework, but does not print the specific days.","quote":"Claims TATs - Claim Settlement without Investigation – 15 Days Claim Settlement with Investigation (Health) – 45 Days","sources":[{"clause":"4(m)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-cancer-heart-shield-pro-140n094v01/document/14444#c-4-m"}],"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":["A waiting period of 180 days will apply from the date of commencement/revival of the cover, whichever is later","Any external congenital condition or related illness is not covered under the policy","Any pre-existing condition (as defined above)","Intoxication by alcohol or narcotics or drugs not prescribed by a Registered Medical Practitioner","Nuclear, biological or chemical contamination (NBC)","Deliberate failure to seek medical advice or intentional delay of medical treatment in order to circumvent the waiting period or other conditions and restriction applying to this policy","For treatment like Ayurvedic, Homeopathy, Unani, naturopathy, reflexology, acupuncture, bonesetting, herbalist treatment, hypnotism, rolfing, massage therapy, aroma therapy or any other treatments other than Allopathy / western medicines","No benefit is payable under this Policy for Cancer, Carcinoma-in-situ and Early Stage Cancer if the Insured Person has survived for less than seven (7) days following the diagnosis","Any medical condition which first manifests itself within 180 days of the risk commencement date or reinstatement date whichever is later","Suicide or attempted suicide or intentional self-inflicted injury, by the life insured, whether sane or not at that time","War, invasion, hostilities (whether war is declared or not), civil war, rebellion, terrorist activity, revolution or taking part in a riot or civil commotion, strikes or industrial action","Participation by the life assured in a criminal or unlawful act with criminal intent or committing any breach of law including involvement in any fight or affray","Treatment for injury or illness caused by avocations / activities such as hunting, mountaineering, steeple-chasing, professional sports, racing of any kind, scuba diving, aerial sports, activities such as hand-gliding, ballooning, deliberate exposure to exceptional danger","Participation by the insured person in any flying activity other than as a bona fide fare paying passenger, in a licensed aircraft"],"display":"180-day waiting period, pre-existing and external congenital conditions, intoxication, nuclear/biological/chemical contamination, delayed medical advice, non-allopathy treatment, survival-period failure, suicide or self-injury, war/riot/terrorism, unlawful acts, hazardous activities and non-passenger flying","note":null,"quote":"A waiting period of 180 days will apply from the date of commencement/revival of the cover, whichever is later. ... a) Any external congenital condition or related illness is not covered under the policy. ... b) Any pre-existing condition (as defined above). ... c) Intoxication by alcohol or narcotics or drugs not prescribed by a Registered Medical Practitioner. ... d) Nuclear, biological or chemical contamination (NBC) ... a) Deliberate failure to seek medical advice or intentional delay of medical treatment in order to circumvent the waiting period or other conditions and restriction applying to this policy. ... b) For treatment like Ayurvedic, Homeopathy, Unani, naturopathy, reflexology, acupuncture, bonesetting, herbalist treatment, hypnotism, rolfing, massage therapy, aroma therapy or any other treatments other than Allopathy / western medicines. ... d) No benefit is payable under this Policy for Cancer, Carcinoma-in-situ and Early Stage Cancer if the Insured Person has survived for less than seven (7) days following the diagnosis of Cancer, Carcinomain-situ and Early Stage Cancer ... a) Any medical condition which first manifests itself within 180 days of the risk commencement date or reinstatement date whichever is later. ... d) Suicide or attempted suicide or intentional self-inflicted injury, by the life insured, whether sane or not at that time. ... f) War, invasion, hostilities (whether war is declared or not), civil war, rebellion, terrorist activity, revolution or taking part in a riot or civil commotion, strikes or industrial action. ... g) Participation by the life assured in a criminal or unlawful act with criminal intent or committing any breach of law including involvement in any fight or affray. ... h) Treatment for injury or illness caused by avocations / activities such as hunting, mountaineering, steeple-chasing, professional sports, racing of any kind, scuba diving, aerial sports, activities such as hand-gliding, ballooning, deliberate exposure to exceptional danger. ... j) Participation by the insured person in any flying activity other than as a bona fide fare paying passenger, in a licensed aircraft.","sources":[{"clause":null,"heading":"Section Six: Exclusions","page":11,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-cancer-heart-shield-pro-140n094v01/document/14475#c-section-six-exclusions"},{"clause":"Part C(a)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-cancer-heart-shield-pro-140n094v01/document/14475#c-part-c-a-2"},{"clause":"Part C(b)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-cancer-heart-shield-pro-140n094v01/document/14475#c-part-c-b-2"},{"clause":"Part C(c)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-cancer-heart-shield-pro-140n094v01/document/14475#c-part-c-c"},{"clause":"Part C(d)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-cancer-heart-shield-pro-140n094v01/document/14475#c-part-c-d"},{"clause":"Part C(a)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-cancer-heart-shield-pro-140n094v01/document/14475#c-part-c-a-3"},{"clause":"Part C(b)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-cancer-heart-shield-pro-140n094v01/document/14475#c-part-c-b-3"},{"clause":"Part C(d)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-cancer-heart-shield-pro-140n094v01/document/14475#c-part-c-d-2"},{"clause":"Part C(a)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-cancer-heart-shield-pro-140n094v01/document/14475#c-part-c-a-4"},{"clause":"Part C(d)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-cancer-heart-shield-pro-140n094v01/document/14475#c-part-c-d-3"},{"clause":"Part C(f)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-cancer-heart-shield-pro-140n094v01/document/14475#c-part-c-f"},{"clause":"Part C(g)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-cancer-heart-shield-pro-140n094v01/document/14475#c-part-c-g"},{"clause":"Part C(h)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-cancer-heart-shield-pro-140n094v01/document/14475#c-part-c-h"},{"clause":"Part C(j)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-cancer-heart-shield-pro-140n094v01/document/14475#c-part-c-j"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"Minimum sum insured is `5,00,000. Maximum is `50,00,000 for Option I and `25,00,000 for other options.","display":"Minimum `5,00,000; maximum Option I `50,00,000, other options `25,00,000","note":"From the sales brochure.","quote":"Sum Insured | Minimum: | `5,00,000\nMaximum: | Option I : `50,00,000 Other Options: `25,00,000","sources":[{"clause":null,"heading":"Case Study","page":5,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-cancer-heart-shield-pro-140n094v01/document/14476#c-case-study"}],"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 plan. If the Life Insured dies while monthly income is being paid, those payouts continue for the defined duration and are paid to the nominee or legal heirs.","display":"No death benefit; ongoing monthly income continues to nominee/legal heirs if already being paid","note":"The no-death-benefit statement is from the sales brochure; the monthly income continuation is in the policy wording.","quote":"There is no Maturity or Death benefit under this plan. ... In case of death of Life Insured while monthly income is being paid, the payouts will continue for defined duration and amount will be paid to Nominee or Legal Heirs of Life Assured.","sources":[{"clause":null,"heading":"Case Study","page":5,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-cancer-heart-shield-pro-140n094v01/document/14476#c-case-study"},{"clause":"Part C(ii)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-cancer-heart-shield-pro-140n094v01/document/14475#c-part-c-ii"}],"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":"No maturity benefit is payable under this policy.","display":"No Maturity Benefit","note":null,"quote":"No Maturity Benefit shall be payable under this policy.","sources":[{"clause":"Part C(ii)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-cancer-heart-shield-pro-140n094v01/document/14475#c-part-c-ii"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"conflicting","value":"Regular Pay, equal to Policy Term.","display":"Regular Pay, equal to Policy Term","note":"Product presentation says: 'Premium Payment Term | 5 to 10'.","quote":"Premium Payment Term | Regular Pay, equal to Policy Term","sources":[{"clause":null,"heading":"Case Study","page":5,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-cancer-heart-shield-pro-140n094v01/document/14476#c-case-study"},{"clause":"7","heading":"Pericardectomy","page":5,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-cancer-heart-shield-pro-140n094v01/document/14478#c-7"}],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"quote-verified","value":"Maximum maturity age is 75 Years.","display":"75 Years","note":"From the sales brochure.","quote":"Maximum Maturity Age | 75 Years","sources":[{"clause":null,"heading":"Case Study","page":5,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-cancer-heart-shield-pro-140n094v01/document/14476#c-case-study"}],"law":[]},{"key":"suicide_clause","label":"Suicide clause","section":"Exclusions","meaning":"What is paid if death is by suicide within the 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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, 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the end of the Grace Period.","sources":[{"clause":"Part B(b)","heading":"Chronic condition - A chronic condition","page":1,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-cancer-heart-shield-pro-140n094v01/document/14475#c-part-b-b-2"},{"clause":"Part C(a)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-cancer-heart-shield-pro-140n094v01/document/14475#c-part-c-a"}],"law":[]},{"key":"revival","label":"Revival period","section":"Renewal and rights","meaning":"How long after lapsing you can restart the policy.","status":"quote-verified","value":"Revival of a lapsed policy is available up to 5 years from the date of first unpaid premium, subject to underwriting. 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The policyholder would be required to pay all outstanding premiums due till the proposed date of revival together with any applicable interest.","sources":[{"clause":null,"heading":"Section One: Revival","page":12,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-cancer-heart-shield-pro-140n094v01/document/14475#c-section-one-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":"No loan can be availed under this policy.","display":"No loan","note":null,"quote":"No loan can be availed under this Policy.","sources":[{"clause":null,"heading":"Section Three: Loan","page":12,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-cancer-heart-shield-pro-140n094v01/document/14475#c-section-three-loan"}],"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":"No life insurance policy can be called in question on any ground after expiry of 3 years from the later of issuance, commencement of risk, revival or rider date. On the ground of fraud, it may be called in question within 3 years from those dates, with written communication of the grounds and materials.","display":"Cannot be called in question after 3 yrs; fraud can be questioned within 3 years","note":null,"quote":"No Policy of Life Insurance shall be called in question on any ground whatsoever after expiry of 3 yrs from\na) the date of issuance of policy or\nb) the date of commencement of risk or\nc) the date of revival of policy or\nd) 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\na) the date of issuance of policy or\nb) the date of commencement of risk or\nc) the date of revival of policy or\nd) the date of rider to the policy whichever is later.\nFor this, the insurer should communicate in writing to the insured or legal representative or nominee or assignees of insured, as applicable, mentioning the ground and materials on which such decision is based.","sources":[{"clause":"1","heading":"No Policy of Life Insurance shall be called in question","page":22,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-cancer-heart-shield-pro-140n094v01/document/14475#c-1-3"},{"clause":"2","heading":"On the ground of fraud, a policy of Life Insurance may","page":22,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-cancer-heart-shield-pro-140n094v01/document/14475#c-2-3"}],"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":"Tax benefits under Section 80(D) of the Income Tax Act may be available as per prevailing tax laws, subject to change; the brochure says to consult a tax advisor.","display":"Tax benefits under Section 80(D) may be available","note":"From the sales brochure.","quote":"Tax benefits under Section 80(D) of the Income Tax Act may be available as per prevailing tax laws. Tax laws are subject to change. Please consult your tax advisor for details.","sources":[{"clause":null,"heading":"Are there any tax benefits for availing this plan?","page":8,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-cancer-heart-shield-pro-140n094v01/document/14476#c-are-there-any-tax-benefits-for-availing-this-pla"}],"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":"The Policyholder shall have a period of 30 days from the receipt of this Policy Document to review the terms and conditions of this Policy and if the Policyholder disagrees with any of the terms and conditions, Policyholder has the option to return this Policy stating the reasons for the objections upon which the Company shall refund to the Policyholder the Premium paid subject to deduction of proportionate Risk Premium for the period of risk cover, any expenses incurred by the Company towards medical examination of the Life Insured and stamp duty charges.","sources":[{"clause":null,"heading":"Section Four: Free Look Period","page":12,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-cancer-heart-shield-pro-140n094v01/document/14475#c-section-four-free-look-period"}],"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","note":"15 days where the policyholder pays the premium on a monthly basis.","quote":"The grace period for payment of the premium for all types of life insurance policies shall be fifteen days, where the policyholder pays the premium on a monthly basis and 30 days in all other cases.","sources":[{"clause":null,"heading":"Grace period for other than single premium policies","page":1,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-cancer-heart-shield-pro-140n094v01/document/14475#c-grace-period-for-other-than-single-premium-polic"}],"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":"Minimum entry age is 18 Years and maximum entry age is 65 Years.","display":"18 Years to 65 Years","note":"From the sales brochure; attained age as on last birthday.","quote":"Entry Age## | Minimum | 18 Years\nMaximum | 65 Years","sources":[{"clause":null,"heading":"Case Study","page":5,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-cancer-heart-shield-pro-140n094v01/document/14476#c-case-study"}],"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":["Annual","Semi-annual","Quarterly","Monthly"],"display":"Annual, Semi-annual, Quarterly and Monthly","note":"From the sales brochure. Monthly mode of premium payment is available only through credit card, direct debit and ECS.","quote":"Premium Payment Modes | Annual, Semi-annual, Quarterly and Monthly*","sources":[{"clause":null,"heading":"Case Study","page":5,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-cancer-heart-shield-pro-140n094v01/document/14476#c-case-study"}],"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":["Regular Pay"],"display":"Regular Pay","note":"From the sales brochure.","quote":"Premium Payment Term | Regular Pay, equal to Policy Term","sources":[{"clause":null,"heading":"Case Study","page":5,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-cancer-heart-shield-pro-140n094v01/document/14476#c-case-study"}],"law":[]},{"key":"illness_count","label":"Number of illnesses covered","section":"Cover","meaning":"How many critical illnesses are listed. The definitions matter more than the count.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"illness_list","label":"Illnesses covered","section":"Cover","meaning":"The listed illnesses. Standard definitions are set by IRDAI.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"payout","label":"Payout","section":"Cover","meaning":"Lump sum on diagnosis, staged payouts by severity, or reimbursement.","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 the money is paid.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"multiple_claims","label":"Multiple claims","section":"Cover","meaning":"Whether you can claim for more than one illness.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"ped_waiting","label":"Pre-existing conditions","section":"Waiting periods","meaning":"Whether an illness you already had can ever be claimed: after a waiting period, or never.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"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 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]}],"documents":[{"kind":"wording","label":"Terms and Conditions Cancer+Heart Shield Pro","pages":22,"fetched_at":"2026-10-17 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19:54:51+00","source_url":"https://pramericalife.in/admin/assets/images/pages/learn-more-box/2026/10/1791549339-Pramerica%20Life%20Cancer+Heart%20Shield%20Pro_Proposal%20Form%20B.pdf","url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-cancer-heart-shield-pro-140n094v01/document/30571"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Pramerica Life Insurance official website","url":"https://pramericalife.in/","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://pramericalife.in/claim","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://pramericalife.in/customer-services/grievance-redressal","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":"Pramerica Life Cancer + Heart Shield Pro (UIN 140N094V01), IndiaInsurances, https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-cancer-heart-shield-pro-140n094v01"}