{"uin":"ACKHLGP27041V012627","name":"Acko Group Single Secure","url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627","insurer":{"slug":"acko-general-insurance","name":"Acko General Insurance Limited","url":"https://indiainsurances.com/insurer/acko-general-insurance"},"line":"health","category":"group-health","category_name":"Group health","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Acko Group Single Secure is a group combi product combining Acko 360 Protect health insurance with Acko Life Group Term Life Secure. The health component includes indemnity and fixed benefits, optional covers, a 30-day initial illness waiting period, and a 60-month moratorium period.","analysis":{"state":"machine","analysed_at":"2026-10-19 18:00:06.899719+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":["Acko 360 Protect","Acko Life Group Term Life Secure"],"display":"Acko 360 Protect; Acko Life Group Term Life Secure","note":"These are the separately regulated components of the combi product, not benefit-plan variants.","quote":"a group combi insurance product, combination of health insurance product offered by Acko General Insurance Limited (ie. Part I. Acko 360 Protect) and life insurance product offered by Acko Life Insurance Ltd. (ie. Part II. Acko Life Group Term Life Secure).","sources":[{"clause":null,"heading":"POLICY WORDINGS ACKO GROUP SINGLE SECURE","page":1,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-policy-wordings-acko-group-single-secure"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The health wording says the policy is valid for the period specified in the Schedule or Certificate of Insurance, which is a pointer rather than a stated product term.","quote":null,"sources":[],"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":"For planned hospitalisation, intimate at least 3 days before the planned date of admission. For emergency hospitalisation, intimate within 48 hours of admission but not later than discharge.","display":"Planned: at least 3 days before admission; emergency: within 48 hours of admission but not later than discharge","note":null,"quote":"In the case of Planned Hospitalization - The Insured Person will intimate such admission at least 3 days prior to the planned Date of Admission. ... In the case of Emergency Hospitalization - The Insured Person will intimate such admission within 48 hours of such admission but not later than discharge from the Hospital.","sources":[{"clause":null,"heading":"3. Claim Intimation","page":51,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-3-claim-intimation"}],"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":["Claim Form duly filled and signed","Copy of Photo ID of Insured Person verified by the Hospitals","Original discharge/death summary","Operation theatre notes (if applicable)","Original Hospital main bill and break up bill","Original investigation reports, X Ray, MRI, CT Films, HPE","Medical Practitioner’s reference slips for investigations/pharmacy","Original pharmacy bills","MLC/FIR report/post mortem report (if applicable and conducted)","Any other information relevant to the Injury/Hospitalization/illness"],"display":"Claim form, photo ID, discharge/death summary, OT notes if applicable, hospital bills, investigation reports, prescriptions, pharmacy bills, MLC/FIR/post-mortem if applicable, and other relevant information","note":"This is for reimbursement of indemnity-based health covers; the insurer may ask for additional documents or information.","quote":"List of necessary claim documents to be submitted for reimbursement are as following: i. Claim Form duly filled and signed\n iii) Copy of Photo ID of Insured Person verified by the Hospitals\niv) Original discharge/death summary\nv) Operation theatre notes (if applicable)\nvi) Original Hospital main bill and break up bill\nvii) Original investigation reports, X Ray, MRI, CT Films, HPE\nviii) Medical Practitioner’s reference slips for investigations/pharmacy\nix) Original pharmacy bills\nx) MLC/FIR report/post mortem report (if applicable and conducted)\nxi) Any other information relevant to the Injury/Hospitalization/illness","sources":[{"clause":"13(III)(a)","heading":null,"page":53,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-13-iii-a-3"}],"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 insurer says it will settle or reject a claim within 15 days. For admitted claims generally, payment is within 15 days of receipt of the claim with all necessary documents and information; after an accepted settlement offer, payment is within 7 days.","display":"Settle or reject within 15 days; admitted claims paid within 15 days of claim and necessary documents; settlement offer paid within 7 days of acceptance","note":"If delayed beyond the stipulated time, the policy provides interest at 2% above the bank rate from intimation to actual payment.","quote":"The Company shall settle or reject a claim, as the case may be, within 15 days. ... We shall make the payment of claim that has been admitted as payable by Us under the Policy within 15 days of receipt of claim along with all necessary documents and information and any other additional information, if any, required for the settlement of the claim. ... Upon acceptance of an offer of settlement by You, the payment of the amount due shall be made within 7 days from the date of acceptance of the offer by Us.","sources":[{"clause":"3(i)","heading":null,"page":46,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-3-i"},{"clause":"13(III)(b)","heading":null,"page":61,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-13-iii-b-10"},{"clause":"13(III)(e)","heading":null,"page":62,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-13-iii-e-2"}],"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":["Pre-Existing Diseases-Code-Excl01","Specified Disease/Procedure Waiting Period-Code- Excl02","30-day waiting period (Code-Excl03)","Investigation & Evaluation (Code- Excl04)","Rest Cure, rehabilitation and respite care (Code- Excl05)","Obesity/ Weight Control (Code- Excl06)","Change-of-Gender treatments (Code- Excl07)","Cosmetic or plastic Surgery (Code- Excl08)","Hazardous or Adventure sports (Code- Excl09)","Breach of law (Code- Excl10)","Excluded Providers (Code- Excl11)","Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof.","Refractive Error (Code- Excl15)","Unproven Treatments:(Code- Excl16)","Maternity (Code - Excl18)"],"display":"PED, specified disease/procedure waiting period, 30-day waiting period, investigation and evaluation, rest cure, obesity, change of gender, cosmetic surgery, hazardous sports, breach of law, excluded providers, alcoholism/drug abuse, refractive error, unproven treatments, and maternity","note":null,"quote":"Pre-Existing Diseases-Code-Excl01 ... Specified Disease/Procedure Waiting Period-Code- Excl02 ... 30-day waiting period (Code-Excl03) ... Investigation & Evaluation (Code- Excl04) ... Rest Cure, rehabilitation and respite care (Code- Excl05) ... Obesity/ Weight Control (Code- Excl06) ... Change-of-Gender treatments (Code- Excl07) ... Cosmetic or plastic Surgery (Code- Excl08) ... Hazardous or Adventure sports (Code- Excl09) ... Breach of law (Code- Excl10) ... Excluded Providers (Code- Excl11) ... Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. ... Refractive Error (Code- Excl15) ... Unproven Treatments:(Code- Excl16) ... Maternity (Code - Excl18)","sources":[{"clause":"1","heading":"Pre-Existing Diseases-Code-Excl01","page":36,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-1-3"},{"clause":"2","heading":"Specified Disease/Procedure Waiting Period-Code-Excl02","page":36,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-2-2"},{"clause":null,"heading":"3. 30-day waiting period (Code-Excl03)","page":37,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-3-30-day-waiting-period-code-excl03"},{"clause":"4","heading":"Investigation & Evaluation (Code- Excl04)","page":37,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-4-9"},{"clause":"5","heading":"Rest Cure, rehabilitation and respite care (Code- Excl05)","page":37,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-5-4"},{"clause":"6","heading":"Obesity/ Weight Control (Code- Excl06)","page":38,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-6-4"},{"clause":"7","heading":"Change-of-Gender treatments (Code- Excl07)","page":38,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-7-4"},{"clause":"8","heading":"Cosmetic or plastic Surgery (Code- Excl08)","page":38,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-8-4"},{"clause":"9","heading":"Hazardous or Adventure sports (Code- Excl09)","page":38,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-9-3"},{"clause":"10","heading":"Breach of law (Code- Excl10)","page":38,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-10"},{"clause":"11","heading":"Excluded Providers (Code- Excl11)","page":38,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-11"},{"clause":"12","heading":null,"page":38,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-12"},{"clause":"15","heading":"Refractive Error (Code- Excl15)","page":38,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-15"},{"clause":"16","heading":"Unproven Treatments:(Code- Excl16)","page":38,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-16"},{"clause":"18","heading":"Maternity (Code - Excl18)","page":39,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-18"}],"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":"For health-related grievances, first contact Acko General Insurance on the grievance helpline or grievance email. If dissatisfied or there is no response within 14 working days, escalate to the Grievance Redressal Officer at gro@acko.com before approaching IRDAI or the Insurance Ombudsman.","display":"First Acko grievance helpline/email; then Grievance Redressal Officer at gro@acko.com if unresolved or no response within 14 working days","note":null,"quote":"For resolution of grievance, insured may contact the company on our toll-free helpline number 1800 210 4990 (Operating hours: 10 AM – 7 PM, all days of the week). ... If in case you are dissatisfied with the decision/resolution provided through details indicated above on your Complaint or have not received any response within 14 working days, you may write or email to Grievance Redressal Officer:\nEmail: gro@acko.com","sources":[{"clause":"6","heading":"Redressal of Grievance","page":47,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-6-5"}],"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_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"not-stated","value":null,"display":null,"note":"The CIS and wording only say the sum insured is as mentioned in the Policy Schedule or Certificate of Insurance.","quote":null,"sources":[],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Not applicable to accident claims, if covered; not applicable if the insured person has continuous coverage for more than twelve months.","quote":"Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered.","sources":[{"clause":null,"heading":"3. 30-day waiting period (Code-Excl03)","page":37,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-3-30-day-waiting-period-code-excl03"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"not-stated","value":null,"display":null,"note":"The policy says PED expenses are excluded until the expiry of the number of months specified in the Schedule; no fixed number of months is printed in these clauses.","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"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"not-stated","value":null,"display":null,"note":"The policy lists the diseases/procedures but says the waiting period is the number of months specified in the Schedule.","quote":null,"sources":[],"law":[{"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 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"quote-verified","value":["Cataract","Hysterectomy for Menorrhagia or Fibromyoma or prolapse of Uterus unless necessitated by malignancy myomectomy for fibroids","Knee Replacement Surgery (other than caused by an Accident), Non-infectious Arthritis, Gout, Rheumatism, Osteoarthritis and Osteoporosis, Joint Replacement Surgery (other than caused by Accident), Prolapse of Intervertebral discs (other than caused by Accident), all Vertebrae Disorders, including but not limited to Spondylitis, Spondylosis, Spondylolisthesis","Varicose Veins and Varicose Ulcers","Stones in the urinary uro-genital and biliary systems including calculus diseases","Benign Prostate Hypertrophy, all types of Hydroceles","Fissure, Fistula in anus, Piles, all types of Hernia, Pilonidal sinus, Hemorrhoids and any abscess related to the anal region","Chronic Suppurative Otitis Media (CSOM), Deviated Nasal Septum, Sinusitis and related disorders, Surgery on tonsils/Adenoids, Tympanoplasty and any other benign ear, nose and throat disorder or Surgery","Gastric and duodenal ulcer, any type of Cysts/Nodules/Polyps/internal tumors/skin tumors, and any type of Breast lumps (unless malignant), Polycystic Ovarian Diseases","Any Surgery of the genito-urinary system unless necessitated by malignancy"],"display":"Cataract; hysterectomy for listed conditions; knee/joint/vertebrae disorders; varicose veins; stones; BPH/hydroceles; fissure/fistula/piles/hernia and related anal conditions; CSOM/DNS/sinusitis/tonsils/adenoids/tympanoplasty and benign ENT; gastric/duodenal ulcer, cysts/nodules/polyps/tumors, breast lumps, PCOD; genito-urinary surgery unless malignancy","note":"The waiting-period duration for this list is schedule-specific and is not printed as a fixed number in these clauses.","quote":"List of specific diseases/procedures:\ni) Cataract,\nii) Hysterectomy for Menorrhagia or Fibromyoma or prolapse of Uterus unless necessitated by malignancy myomectomy for fibroids,\niii) Knee Replacement Surgery (other than caused by an Accident), Non-infectious Arthritis, Gout, Rheumatism, Osteoarthritis and Osteoporosis, Joint Replacement Surgery (other than caused by Accident), Prolapse of Intervertebral discs (other than caused by Accident), all Vertebrae Disorders, including but not limited to Spondylitis, Spondylosis, Spondylolisthesis.\niv) Varicose Veins and Varicose Ulcers,\nv) Stones in the urinary uro-genital and biliary systems including calculus diseases,\nvi) Benign Prostate Hypertrophy, all types of Hydroceles,\nvii) Fissure, Fistula in anus, Piles, all types of Hernia, Pilonidal sinus, Hemorrhoids and any abscess related to the anal region.\nviii) Chronic Suppurative Otitis Media (CSOM), Deviated Nasal Septum, Sinusitis and related disorders, Surgery on tonsils/Adenoids, Tympanoplasty and any other benign ear, nose and throat disorder or Surgery.\nix) Gastric and duodenal ulcer, any type of Cysts/Nodules/Polyps/internal tumors/skin tumors, and any type of Breast lumps (unless malignant), Polycystic Ovarian Diseases,\nx) Any Surgery of the genito-urinary system unless necessitated by malignancy.","sources":[{"clause":"2","heading":"Specified Disease/Procedure Waiting Period-Code-Excl02","page":36,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-2-2"}],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"quote-verified","value":{"unit":"months","amount":60},"display":"60 continuous months","note":"For enhanced sum insured, the 60 continuous months run from the date of enhancement for the enhanced limits.","quote":"After completion of sixty continuous months of coverage (including portability and migration) in health insurance policy, no policy and claim shall be contestable by the insurer on grounds of non-disclosure, misrepresentation, except on grounds of established fraud. This period of sixty continuous months is called as moratorium period.","sources":[{"clause":"10","heading":"Moratorium Period","page":48,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-10-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"quote-verified","value":"A policyholder can port policies from one insurer to another and transfer credits for sum insured, no claim bonus, specific waiting periods, PED waiting period and moratorium period to the acquiring insurer.","display":"Portability allowed with transfer of waiting-period and other credits","note":null,"quote":"A Policyholder has the choice to port his/ her policies from one Insurer to another. ... The policyholder is entitled to transfer the credits gained to the extent of the Sum Insured, No Claim Bonus, specific waiting periods, waiting period for pre-existing disease , Moratorium period etc from the Existing Insurer to the Acquiring Insurer in the previous policy.","sources":[{"clause":"8(a)","heading":null,"page":48,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-8-a"},{"clause":"8(d)","heading":null,"page":48,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-8-d"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","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":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","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 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","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 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"quote-verified","value":"No loading applies on renewals based on individual claims experience, and renewal shall not be denied because the insured person made claims in preceding policy years.","display":"No renewal loading based on individual claims experience","note":null,"quote":"Renewal shall not be denied on the ground that the insured person had made a claim or claims in the preceding policy years. ... No loading shall apply on Renewals based on individual claims experience","sources":[{"clause":"9","heading":"Renewal of Policy","page":48,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-9-4"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","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 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"quote-verified","value":["Investigation & Evaluation (Code- Excl04)","Rest Cure, rehabilitation and respite care (Code- Excl05)","Obesity/ Weight Control (Code- Excl06)","Change-of-Gender treatments (Code- Excl07)","Cosmetic or plastic Surgery (Code- Excl08)","Hazardous or Adventure sports (Code- Excl09)","Breach of law (Code- Excl10)","Excluded Providers (Code- Excl11)","Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof.","Treatments received in health hydros, nature-cured clinics, spas or similar establishments or private beds registered as a nursing home attached to such establishments or where admission is arranged wholly or partly for domestic reasons. (Code- Excl13)","Dietary supplements and substances that can be purchased without prescription, including but not limited to Vitamins, minerals and organic substances unless prescribed by a medical practitioner as part of hospitalization claim or day care procedure (Code- Excl14)","Refractive Error (Code- Excl15)","Unproven Treatments:(Code- Excl16)","Sterility and Infertility: (Code- Excl17)","Maternity (Code - Excl18)","Stem cell treatment","Dental Treatment","Circumcision","Treatment received outside India","External Congenital Anomaly","Suicide and Self-Injury","Unlawful Activities","War and hazardous substances","Non-Payable Expenses","Organ Donor","Hazardous Activities"],"display":"Standard permanent exclusions Excl04 to Excl18, plus hospitalisation-specific exclusions including stem cell treatment, dental treatment, circumcision, treatment outside India, external congenital anomaly, suicide/self-injury, unlawful activities, war/hazardous substances, non-payable expenses, organ donor costs and hazardous activities","note":"Excl01 to Excl03 are waiting-period exclusions and are not included here as permanent exclusions.","quote":"Investigation & Evaluation (Code- Excl04) ... Rest Cure, rehabilitation and respite care (Code- Excl05) ... Obesity/ Weight Control (Code- Excl06) ... Change-of-Gender treatments (Code- Excl07) ... Cosmetic or plastic Surgery (Code- Excl08) ... Hazardous or Adventure sports (Code- Excl09) ... Breach of law (Code- Excl10) ... Excluded Providers (Code- Excl11) ... Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. ... Treatments received in health hydros, nature-cured clinics, spas or similar establishments or private beds registered as a nursing home attached to such establishments or where admission is arranged wholly or partly for domestic reasons. (Code- Excl13) ... Dietary supplements and substances that can be purchased without prescription, including but not limited to Vitamins, minerals and organic substances unless prescribed by a medical practitioner as part of hospitalization claim or day care procedure (Code- Excl14) ... Refractive Error (Code- Excl15) ... Unproven Treatments:(Code- Excl16) ... Sterility and Infertility: (Code- Excl17) ... Maternity (Code - Excl18) ... 1. Stem cell treatment: Stem cell implantation/Surgery, harvesting, storage or any kind of Treatment using stem cells. ... 2. Dental Treatment: Dental Treatment, dentures or Surgery of any kind unless necessitated due to an Accident and requiring minimum 24 hours Hospitalization. ... 3. Circumcision: Circumcision unless necessary for Treatment of an Illness or Injury not excluded hereunder or due to an Accident. ... 14. Treatment received outside India. ... 15. External Congenital Anomaly : External Congenital Anomaly or defects, inherited disorders or any complications or conditions arising therefrom including any developmental conditions of the Insured Person.\n16. Suicide and Self-Injury: ... 19. Unlawful Activities: Death or disability/Any illness or Hospitalisation arising or resulting from the Insured Person committing any breach of law or participating in an actual or attempted felony, riot, crime, misdemeanor or civil commotion with criminal intent. ... 21. War and hazardous substances: Death or disability arising out of or attributable to foreign invasion, act of foreign enemies, hostilities, participation in any naval, military or air-force operation, civil war, public defense, rebellion, revolution, insurrection, military or usurped power, ionizing radiation or contamination by radioactivity from any nuclear fuel ... 22. Non-Payable Expenses: For complete list of non-payable expenses, please refer to the Annexure II “Non- Payable Expenses” and also on Our website. ... 23. Organ Donor: Costs of donor screening or costs incurred in an organ transplant Surgery involving organs not harvested from a human body. ... 24. Hazardous Activities: Any Injury caused while engaging in speed contest or racing of any kind","sources":[{"clause":"4","heading":"Investigation & Evaluation (Code- Excl04)","page":37,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-4-9"},{"clause":"5","heading":"Rest Cure, rehabilitation and respite care (Code- Excl05)","page":37,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-5-4"},{"clause":"6","heading":"Obesity/ Weight Control (Code- Excl06)","page":38,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-6-4"},{"clause":"7","heading":"Change-of-Gender treatments (Code- Excl07)","page":38,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-7-4"},{"clause":"8","heading":"Cosmetic or plastic Surgery (Code- Excl08)","page":38,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-8-4"},{"clause":"9","heading":"Hazardous or Adventure sports (Code- Excl09)","page":38,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-9-3"},{"clause":"10","heading":"Breach of law (Code- Excl10)","page":38,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-10"},{"clause":"11","heading":"Excluded Providers (Code- Excl11)","page":38,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-11"},{"clause":"12","heading":null,"page":38,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-12"},{"clause":"13","heading":null,"page":38,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-13"},{"clause":"14","heading":null,"page":38,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-14"},{"clause":"15","heading":"Refractive Error (Code- Excl15)","page":38,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-15"},{"clause":"16","heading":"Unproven Treatments:(Code- Excl16)","page":38,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-16"},{"clause":"17","heading":"Sterility and Infertility: (Code- Excl17)","page":39,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-17"},{"clause":"18","heading":"Maternity (Code - Excl18)","page":39,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-18"},{"clause":"1.1","heading":"Specific Exclusion (Applicable for Section 3.1)","page":39,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-1-1"},{"clause":"1.1(b)","heading":null,"page":40,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-1-1-b"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The policyholder may cancel at any time during the term by giving 7 days’ written notice. For term up to one year, the insurer refunds proportionate premium for the unexpired period if no claim has been made; for terms over one year, it refunds premium for unexpired policy years where risk coverage has not commenced. No refund is made where any claim has been admitted or lodged or any benefit availed.","display":"Cancel with 7 days’ written notice; proportionate/unexpired-period refund if eligible and no claim/benefit","note":"If the company cancels for established fraud, there is no refund on grounds of misrepresentation, non-disclosure of material facts or established fraud.","quote":"The policyholder may cancel his/her policy at any time during the term, by giving 7 days notice in writing. We Will\na) refund proportionate premium for unexpired policy period, if the term of policy upto one year and there is no claim (s) made during the policy period.\nb) refund premium for the unexpired policy period, in respect of policies with term more than 1 year and risk coverage for such policy years has not commenced. ... no refunds of premium shall be made in respect of Cancellation where, any claim has been admitted or has been lodged or any benefit has been availed by the insured person under the policy.","sources":[{"clause":null,"heading":"6. Special Conditions","page":49,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-6-special-conditions"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","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 17","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":"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, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"Hospitalisation benefits exclude treatment received outside India. For some optional covers the territory differs: breakdown cover is valid only for insured assets repaired within India, while ATM robbery can involve money withdrawn from any ATM around the world.","display":"Hospitalisation outside India excluded; breakdown repairs only in India; ATM robbery can be worldwide","note":"The general geography clause otherwise refers to the geographical scope in the Policy Schedule or Certificate of Insurance.","quote":"14. Treatment received outside India. ... Cover is valid only on Insured Asset which are repaired within India. ... We will reimburse You for the money You withdrew from any ATM around the world using Your Credit/Debit card if You lose such Money in a Robbery event","sources":[{"clause":"1.1","heading":"Specific Exclusion (Applicable for Section 3.1)","page":39,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-1-1"},{"clause":null,"heading":"4.11.4 Breakdown","page":33,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-4-11-4-breakdown"},{"clause":"4.7.4","heading":"ATM Assault and Robbery","page":26,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-4-7-4"}],"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":"The health free-look option is available for policies with a term of one year or more.","quote":"A period of 30 days (from the date of receipt of the policy document) is available to the policyholder to review the terms and conditions of the policy.","sources":[{"clause":"12","heading":"Free Look Period","page":48,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-12-2"}],"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; 15 days for monthly instalments","note":"For instalment premiums, monthly has 15 days and other instalment options have 30 days. Renewal grace period is 30 days.","quote":"Grace Period of 15 days would be given to pay the monthly instalment premium and 30 days for all other cases of instalment option. ... At the end of the policy period, the policy shall terminate and can be renewed within the Grace Period of 30 days to maintain continuity of benefits.","sources":[{"clause":"11","heading":"Premium Payment in instalments","page":48,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-11-2"},{"clause":"9","heading":"Renewal of Policy","page":48,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-9-4"}],"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":"For the life component, a person must be between 18 years and 65 years, both inclusive, at the date of commencement of risk/effective date of coverage or entry date, and not more than 70 years when the insurance expires.","display":"Life component: 18 to 65 years at entry; not more than 70 years at expiry","note":"The health component entry ages are not printed in the health wording provided.","quote":"is between 18 (Eighteen) years and 65 (Sixty Five) years (both inclusive) of Age on the Date of Commencement of Risk /Effective Date of Coverage or the Entry Date and will not be more than 70 (Seventy ) years of Age on the date the Insurance expires;","sources":[{"clause":"1.1.1","heading":null,"page":94,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-1-1-1"}],"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":["Monthly","Quarterly","Half Yearly","Annual"],"display":"Monthly, Quarterly, Half Yearly and Annual","note":null,"quote":"fifteen days (where premium is paid on a monthly instalments) and thirty days (where premium is paid in quarterly/half yearly/annual instalments) ... Payment of Premium on an instalment basis i.e. Half Yearly, Quarterly or Monthly","sources":[{"clause":null,"heading":"18. Grace Period","page":6,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-18-grace-period"},{"clause":"11","heading":"Premium Payment in instalments","page":48,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-11-2"}],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"quote-verified","value":["Critical Illness Waiting Period","Survival Period for Critical Illness","Key Replacement Cover","Garage Cash","Loss of Income Due to Damage of Vehicle","Business Shutdown","Loss of Income","Cyber Protection","Home Building and Home Content Cover","Loan repayment to Loan Provider","Trip Cancellation","Asset Protection","Terrorism Cover","Temporary Resettlement Expenses Cover","Personal Liability","Brokerage Expenses","Delay In Salary Payment","Rescinding of Offer Letter","Breakdown Assistance Services","Rewards for Healthy Behaviour"],"display":"Critical illness options, key replacement, garage cash, vehicle-related loss of income, business shutdown, loss of income, cyber protection, home building/content, loan repayment, trip cancellation, asset protection, terrorism, temporary resettlement, personal liability, brokerage, delay in salary payment, rescinding of offer letter, breakdown assistance and rewards for healthy behaviour","note":"These optional benefits are available only if opted and, where applicable, are subject to the Policy Schedule or Certificate of Insurance.","quote":"Insured can opt from the below give optional benefit in lieu of additional premium. ... 4.1.1.1 Critical Illness Waiting Period ... 4.1.1.2 Survival Period for Critical Illness ... 4.2 Key Replacement Cover ... 4.3 Garage Cash ... 4.4 Loss of Income Due to Damage of Vehicle ... 4.5 Business Shutdown ... 4.6 Loss of Income ... 4.7 Cyber Protection ... 4.8 Home Building and Home Content Cover ... 4.9 Loan repayment to Loan Provider ... 4.10 Trip Cancellation ... 4.11 Asset Protection ... 4.12 Terrorism Cover ... 4.13 Temporary Resettlement Expenses Cover ... 4.14 Personal Liability ... 4.15 Brokerage Expenses ... 4.16 Delay In Salary Payment ... 4.17 Rescinding of Offer Letter ... 4.18 Breakdown Assistance Services ... 4.19 Rewards for Healthy Behaviour","sources":[{"clause":"Section 4","heading":"Optional Benefits","page":23,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-section-4"},{"clause":"4.1","heading":"Critical Illness Category 4.1.1.1 Critical Illness Waiting Period","page":23,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-4-1"},{"clause":null,"heading":"4.1.1.2 Survival Period for Critical Illness","page":23,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-4-1-1-2-survival-period-for-critical-illness"},{"clause":"4.2","heading":"Key Replacement Cover","page":23,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-4-2-2"},{"clause":"4.3","heading":"Garage Cash","page":24,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-4-3"},{"clause":"4.4","heading":"Loss of Income Due to Damage of Vehicle","page":24,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-4-4"},{"clause":"4.5","heading":"Business Shutdown","page":24,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-4-5"},{"clause":"4.6","heading":"Loss of Income","page":24,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-4-6"},{"clause":"4.7","heading":"Cyber Protection","page":25,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-4-7"},{"clause":"4.8","heading":"Home Building and Home Content Cover","page":27,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-4-8"},{"clause":null,"heading":"4.9 Loan repayment to Loan Provider","page":31,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-4-9-loan-repayment-to-loan-provider"},{"clause":null,"heading":"4.10 Trip Cancellation","page":32,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-4-10-trip-cancellation"},{"clause":null,"heading":"4.11 Asset Protection","page":33,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-4-11-asset-protection"},{"clause":null,"heading":"4.12 Terrorism Cover","page":34,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-4-12-terrorism-cover"},{"clause":null,"heading":"4.13 Temporary Resettlement Expenses Cover","page":34,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-4-13-temporary-resettlement-expenses-cover"},{"clause":null,"heading":"4.14 Personal Liability","page":35,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-4-14-personal-liability"},{"clause":null,"heading":"4.15 Brokerage Expenses","page":35,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-4-15-brokerage-expenses"},{"clause":null,"heading":"4.16 Delay In Salary Payment","page":35,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-4-16-delay-in-salary-payment"},{"clause":null,"heading":"4.17 Rescinding of Offer Letter","page":35,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-4-17-rescinding-of-offer-letter"},{"clause":null,"heading":"4.18 Breakdown Assistance Services","page":35,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-4-18-breakdown-assistance-services"},{"clause":null,"heading":"4.19 Rewards for Healthy Behaviour","page":36,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-4-19-rewards-for-healthy-behaviour"}],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"quote-verified","value":"For instalment premiums, coverage continues during the grace period from the instalment due date until receipt of premium by the company. For renewal grace, the insurer is not liable for claims occurring during the grace period for which premium is not paid.","display":"Instalment grace: coverage continues; renewal grace: no claim paid if premium not paid","note":null,"quote":"During such grace period, Coverage will continue to be available from the installment premium payment due date till the date of receipt of premium by Company. ... However, We will not be liable to pay for any claim occurred during the Grace Period for which premium is not paid except for clause 11 (Premium Payment in Installments) of this Policy.","sources":[{"clause":"11","heading":"Premium Payment in instalments","page":48,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-11-2"},{"clause":"9","heading":"Renewal of Policy","page":48,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572#c-9-4"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"Daily room limit, if any.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Childbirth cover and any waiting period.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"ped_cover_group","label":"Pre-existing diseases","section":"Waiting periods","meaning":"Whether pre-existing diseases are covered from day one for the group.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Acko Group Single Secure-Policy Wordings","pages":106,"fetched_at":"2026-10-17 19:33:57+00","source_url":"https://acko-cms.ackoassets.com/Policy_Wordings_Acko_Group_Single_Secure_9acabd8a2e.pdf","url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1572"},{"kind":"prospectus","label":"Acko Group Single Secure-Prospectus","pages":31,"fetched_at":"2026-10-17 19:35:06+00","source_url":"https://acko-cms.ackoassets.com/Prospectus_Acko_Group_Single_Secure_8ba56d890e.pdf","url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1620"},{"kind":"cis","label":"Acko Group Single Secure-Customer Information Sheet","pages":38,"fetched_at":"2026-10-17 19:34:12+00","source_url":"https://acko-cms.ackoassets.com/Customer_Information_Sheet_Acko_Group_Single_Secure_5b0007599e.pdf","url":"https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627/document/1576"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Acko General Insurance official website","url":"https://www.acko.com/gi","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":"Car insurance claims","url":"https://www.acko.com/car-insurance/claims/","note":null},{"purpose":"claim","kind":"insurer","name":"Travel insurance claim process","url":"https://www.acko.com/travel-insurance/claim-process/","note":null},{"purpose":"claim","kind":"insurer","name":"Two-wheeler insurance claims","url":"https://www.acko.com/two-wheeler-insurance/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":"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."},{"purpose":"renew","kind":"insurer","name":"Health insurance renewal","url":"https://www.acko.com/health-insurance/renewal/","note":null}],"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":"Acko Group Single Secure (UIN ACKHLGP27041V012627), IndiaInsurances, https://indiainsurances.com/policy/acko-general-insurance/acko-group-single-secure-ackhlgp27041v012627"}