{"uin":"BAJHLGA26071V012526","name":"Fetal Flourish (Group)","url":"https://indiainsurances.com/policy/bajaj-general-insurance/fetal-flourish-group-bajhlga26071v012526","insurer":{"slug":"bajaj-general-insurance","name":"Bajaj General Insurance Limited","url":"https://indiainsurances.com/insurer/bajaj-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":"Fetal Flourish (Group) is a rider to Group Health Products that pays a lump sum towards medically necessary invasive investigations and/or treatment for complications of the unborn baby. The rider has a sum insured of INR 2,00,000 per maternity event and a waiting period of 9 months.","analysis":{"state":"machine","analysed_at":"2026-10-19 19:03:22.095316+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":["Fetal Flourish"],"display":"Fetal Flourish","note":"The documents do not show separate named plan variants within the rider.","quote":"1 | Name of Insurance Product | Fetal Flourish","sources":[{"clause":"Row 1","heading":"Name of Insurance Product","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/fetal-flourish-group-bajhlga26071v012526/document/3101#c-row-1"}],"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":"Rider period is as per the tenure of the Base Policy.","display":"As per the tenure of the Base Policy","note":null,"quote":"Rider Period shall be as per the tenure of the Base Policy.","sources":[{"clause":null,"heading":"Rider Period","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/fetal-flourish-group-bajhlga26071v012526/document/2961#c-rider-period"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"not-stated","value":null,"display":null,"note":"The CIS states that claims/claims procedure is as per the Base Policy, but the rider documents do not state a claim intimation deadline.","quote":null,"sources":[],"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":"not-stated","value":null,"display":null,"note":"The CIS points to the Base Policy for claims/claims procedure; the rider documents do not list claim documents.","quote":null,"sources":[],"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":"not-stated","value":null,"display":null,"note":"The rider documents do not state how quickly a claim will be decided or paid.","quote":null,"sources":[],"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":["Voluntary/unlawful termination of pregnancy/investigations done for identification of fetal sex.","Expenses related to Delivery/termination of pregnancy.","Pre and Post hospitalization treatment expenses.","Treatment that are deemed to be unproven, experimental or investigational.","Elective procedures deemed not medically necessary.","Procedures performed outside accredited fetal medicine centers.","Procedures/Treatment advised by any Medical Practitioner other than a registered Obstetrics and Gynaecology specialist or Fetal medicine specialist."],"display":"Specific rider exclusions include voluntary/unlawful termination of pregnancy or fetal sex identification investigations, delivery or termination expenses, pre and post hospitalisation expenses, unproven or experimental treatment, elective procedures not medically necessary, procedures outside accredited fetal medicine centers, and procedures advised by anyone other than a registered Obstetrics and Gynaecology specialist or Fetal medicine specialist.","note":"All exclusions applicable in the opted Base Policy also apply to the rider, but those base-policy exclusions are not reproduced in these rider documents.","quote":"We shall not be liable to make any payment for any claim directly or indirectly caused by, based on, arising out of or attributable to any of the following\n1. Voluntary/unlawful termination of pregnancy/investigations done for identification of fetal sex.\n2. Expenses related to Delivery/termination of pregnancy.\n3. Pre and Post hospitalization treatment expenses.\n4. Treatment that are deemed to be unproven, experimental or investigational.\n5. Elective procedures deemed not medically necessary.\n6. Procedures performed outside accredited fetal medicine centers.\n7. Procedures/Treatment advised by any Medical Practitioner other than a registered Obstetrics and Gynaecology specialist or Fetal medicine specialist.","sources":[{"clause":null,"heading":"Specific Exclusions","page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/fetal-flourish-group-bajhlga26071v012526/document/3207#c-specific-exclusions"}],"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 grievances, the insured person may submit in writing to the policy schedule issuing office or regional office. The CIS then gives Level 1 email careforyou@bajajgeneral.com, Level 2 Grievance Redressal Officer at ggro@bajajgeneral.com, and Level 3 missed call/SMS route before approaching the Insurance Ombudsman.","display":"Write to the policy schedule issuing office or regional office; then Level 1 careforyou@bajajgeneral.com, Level 2 ggro@bajajgeneral.com, Level 3 missed call +91 80809 45060 or SMS 575758.","note":null,"quote":"Grievance Redressal Procedure: Grievance–In case of any grievance relating to servicing the Policy, the Insured Person may submit in writing to the Policy Schedule issuing office or regional office for redressal. For updated details of Grievance officer, https://www.bajajgeneralinsurance.com/about-us/customerservice.html IRDAI Integrated Grievance Management System – https://igms.irdai.gov.in/ E-mail: a. Level 1: careforyou@bajajgeneral.com and for senior citizens to seniorcitizen@bajajgeneral.com b. Level 2: In case You are not satisfied with the response given to You at Level 1 You may write to Our Grievance Redressal Officer at ggro@bajajgeneral.com c. Level 3: If in case, Your grievance is still not resolved, and You wish to talk to Our care specialist, please give a missed call on +91 80809 45060 OR SMS To 575758 and Our care specialist will call You back.","sources":[{"clause":null,"heading":"13. Fetoscopic Endotracheal Occlusion (FETO) for Congenital","page":3,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/fetal-flourish-group-bajhlga26071v012526/document/3101#c-13-fetoscopic-endotracheal-occlusion-feto-for-co"}],"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":"quote-verified","value":"INR 2,00,000 maximum per maternity event, benefit based pay out.","display":"INR 2,00,000 (Maximum per maternity event)","note":"Up to 2 maternity events are covered, and procedure-wise sub-limits apply.","quote":"Sum Insured | INR 2,00,000* (Maximum per maternity event) Benefit based pay out\nBenefit offered | Up to 2 maternity events (initial two events classified as G2) ... *Procedure-wise Sub-limits applicable to individual procedures are detailed in Annexure 1.","sources":[{"clause":null,"heading":"Plan Overview","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/fetal-flourish-group-bajhlga26071v012526/document/3207#c-plan-overview"}],"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":"months","amount":9},"display":"Nine (9) months","note":"This is the waiting period stated for the Fetal Flourish rider cover.","quote":"Waiting Period | Nine (9) months from the date the cover under this Rider is first opted under Base Policy","sources":[{"clause":null,"heading":"Plan Overview","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/fetal-flourish-group-bajhlga26071v012526/document/3207#c-plan-overview"}],"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 rider documents do not state a separate pre-existing disease waiting period.","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":"quote-verified","value":{"unit":"months","amount":9},"display":"nine (9) months","note":"Applies to the listed Fetal Flourish invasive investigations and/or treatments.","quote":"The cover shall be subject to a waiting period of nine (9) months from the date of first inception of Fetal Flourish cover under Base Policy.\niii) Upon opting this Rider, the Standard Exclusion Investigation and Evaluation (Code-Excl04) stands waived up to the extent of this benefit limit as per Base Policy.\nList of procedures covered:","sources":[{"clause":null,"heading":"Fetal Flourish","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/fetal-flourish-group-bajhlga26071v012526/document/3207#c-fetal-flourish"}],"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":["Amniocentesis","Chorionic Villus Sampling (CVS)","Percutaneous Umbilical Blood Sampling (PUBS) or Cordocentesis","Fetal Tissue Biopsy","Amnioinfusion","Amnio-reduction","Thoracoamniotic Shunt for Fetal Pleural Effusion","Fetoscopy","Fetoscopic Laser Surgery for Twin-to-Twin Transfusion Syndrome (TTTS)","Fetal Reduction","Surgeries for neural tube defects","Fetal Cystoscopic Surgery","Fetoscopic Endotracheal Occlusion (FETO) for Congenital Diaphragmatic Hernia (CDH)","Amniotic Band Syndrome (ABS) Surgery","Fetal Aortic Valvuloplasty for Severe Aortic Stenosis","Intra-uterine transfusion (IUT)"],"display":"Amniocentesis; Chorionic Villus Sampling (CVS); Percutaneous Umbilical Blood Sampling (PUBS) or Cordocentesis; Fetal Tissue Biopsy; Amnioinfusion; Amnio-reduction; Thoracoamniotic Shunt for Fetal Pleural Effusion; Fetoscopy; Fetoscopic Laser Surgery for Twin-to-Twin Transfusion Syndrome (TTTS); Fetal Reduction; Surgeries for neural tube defects; Fetal Cystoscopic Surgery; Fetoscopic Endotracheal Occlusion (FETO) for Congenital Diaphragmatic Hernia (CDH); Amniotic Band Syndrome (ABS) Surgery; Fetal Aortic Valvuloplasty for Severe Aortic Stenosis; Intra-uterine transfusion (IUT)","note":null,"quote":"List of procedures covered: ... Amniocentesis ... Chorionic Villus Sampling (CVS) ... Percutaneous Umbilical Blood Sampling (PUBS) or Cordocentesis ... Fetal Tissue Biopsy ... Amnioinfusion ... Amnio-reduction ... Thoracoamniotic Shunt for Fetal Pleural Effusion ... Fetoscopy ... Fetoscopic Laser Surgery for Twin-to-Twin Transfusion Syndrome (TTTS) ... Fetal Reduction ... Surgeries for neural tube defects ... Fetal Cystoscopic Surgery ... Fetoscopic Endotracheal Occlusion (FETO) for Congenital Diaphragmatic Hernia (CDH) ... Amniotic Band Syndrome (ABS) Surgery ... Fetal Aortic Valvuloplasty for Severe Aortic Stenosis ... 16 Intra-uterine transfusion (IUT)","sources":[{"clause":null,"heading":"Fetal Flourish","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/fetal-flourish-group-bajhlga26071v012526/document/3207#c-fetal-flourish"},{"clause":"1","heading":"Amniocentesis","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/fetal-flourish-group-bajhlga26071v012526/document/3207#c-1"},{"clause":"2","heading":"Chorionic Villus Sampling (CVS)","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/fetal-flourish-group-bajhlga26071v012526/document/3207#c-2"},{"clause":"3","heading":"Percutaneous Umbilical Blood Sampling (PUBS) or Cordocentesis","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/fetal-flourish-group-bajhlga26071v012526/document/3207#c-3"},{"clause":"4","heading":"Fetal Tissue Biopsy","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/fetal-flourish-group-bajhlga26071v012526/document/3207#c-4"},{"clause":"5","heading":"Amnioinfusion","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/fetal-flourish-group-bajhlga26071v012526/document/3207#c-5"},{"clause":"6","heading":"Amnio-reduction","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/fetal-flourish-group-bajhlga26071v012526/document/3207#c-6"},{"clause":"7","heading":"Thoracoamniotic Shunt for Fetal Pleural Effusion","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/fetal-flourish-group-bajhlga26071v012526/document/3207#c-7"},{"clause":"8","heading":"Fetoscopy","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/fetal-flourish-group-bajhlga26071v012526/document/3207#c-8"},{"clause":"9","heading":"Fetoscopic Laser Surgery for Twin-to-Twin Transfusion Syndrome (TTTS)","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/fetal-flourish-group-bajhlga26071v012526/document/3207#c-9"},{"clause":"10","heading":"Fetal Reduction","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/fetal-flourish-group-bajhlga26071v012526/document/3207#c-10"},{"clause":"11","heading":"Surgeries for neural tube defects","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/fetal-flourish-group-bajhlga26071v012526/document/3207#c-11"},{"clause":"12","heading":"Fetal Cystoscopic Surgery","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/fetal-flourish-group-bajhlga26071v012526/document/3207#c-12"},{"clause":"13","heading":"Fetoscopic Endotracheal Occlusion (FETO) for Congenital Diaphragmatic Hernia (CDH)","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/fetal-flourish-group-bajhlga26071v012526/document/3207#c-13"},{"clause":"14","heading":"Amniotic Band Syndrome (ABS) Surgery","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/fetal-flourish-group-bajhlga26071v012526/document/3207#c-14"},{"clause":"15","heading":"Fetal Aortic Valvuloplasty for Severe Aortic Stenosis","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/fetal-flourish-group-bajhlga26071v012526/document/3207#c-15"},{"clause":"16","heading":"Intra-uterine transfusion (IUT)","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/fetal-flourish-group-bajhlga26071v012526/document/3207#c-16"}],"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":"not-stated","value":null,"display":null,"note":"The CIS says Moratorium period is as per Base Policy; the rider documents do not state the moratorium period.","quote":null,"sources":[],"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":"not-stated","value":null,"display":null,"note":"The CIS says Migration and Portability is as per Base Policy; the rider documents do not state portability terms.","quote":null,"sources":[],"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":"The rider documents state renewal with the base policy, but do not say the cover is renewable for life without a maximum age.","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":"not-stated","value":null,"display":null,"note":"The rider documents do not state whether premium can be loaded at renewal because of claims.","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 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":["Voluntary/unlawful termination of pregnancy/investigations done for identification of fetal sex.","Expenses related to Delivery/termination of pregnancy.","Pre and Post hospitalization treatment expenses.","Treatment that are deemed to be unproven, experimental or investigational.","Elective procedures deemed not medically necessary.","Procedures performed outside accredited fetal medicine centers.","Procedures/Treatment advised by any Medical Practitioner other than a registered Obstetrics and Gynaecology specialist or Fetal medicine specialist."],"display":"Specific rider exclusions; all exclusions in the opted Base Policy also apply; Code-Excl04 is waived up to the extent of this benefit limit.","note":"The rider does not reproduce the Base Policy exclusions; it states that they apply mutatis mutandis. Standard Exclusion Investigation and Evaluation (Code-Excl04) is waived only up to the extent of this benefit limit.","quote":"Upon opting this Rider, the Standard Exclusion Investigation and Evaluation (Code-Excl04) stands waived up to the extent of this benefit limit as per Base Policy. ... We shall not be liable to make any payment for any claim directly or indirectly caused by, based on, arising out of or attributable to any of the following\n1. Voluntary/unlawful termination of pregnancy/investigations done for identification of fetal sex.\n2. Expenses related to Delivery/termination of pregnancy.\n3. Pre and Post hospitalization treatment expenses.\n4. Treatment that are deemed to be unproven, experimental or investigational.\n5. Elective procedures deemed not medically necessary.\n6. Procedures performed outside accredited fetal medicine centers.\n7. Procedures/Treatment advised by any Medical Practitioner other than a registered Obstetrics and Gynaecology specialist or Fetal medicine specialist. ... Except as otherwise provided herein, all exclusions applicable in opted Base Policy shall be applicable, mutatis mutandis, to this Rider.","sources":[{"clause":null,"heading":"Fetal Flourish","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/fetal-flourish-group-bajhlga26071v012526/document/3207#c-fetal-flourish"},{"clause":null,"heading":"Specific Exclusions","page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/fetal-flourish-group-bajhlga26071v012526/document/3207#c-specific-exclusions"},{"clause":"Section D","heading":"EXCLUSIONS UNDER THE RIDER – STANDARD AND SPECIFIC EXCLUSIONS","page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/fetal-flourish-group-bajhlga26071v012526/document/3207#c-section-d"}],"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":"not-stated","value":null,"display":null,"note":"The rider says cancellation terms of the Base COI and Base Policy apply; it does not state the refund scale or amount.","quote":null,"sources":[],"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":"not-stated","value":null,"display":null,"note":"The rider documents do not state a geographic area of cover.","quote":null,"sources":[],"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":"not-stated","value":null,"display":null,"note":"The CIS states Free Look Cancellation is as per Base Policy; the rider documents do not state the free-look period.","quote":null,"sources":[],"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":"not-stated","value":null,"display":null,"note":"The rider documents do not state the number of grace-period days.","quote":null,"sources":[],"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":"Insured Persons between 18 and 45 years of age can opt for the rider.","display":"18 to 45 years","note":"The rider cannot be opted independently and operates only with the Base Policy.","quote":"This Rider may be opted by Insured Persons between 18 and 45 years of age, who are covered under the Company’s Group Health Policy (“Base Policy”).","sources":[{"clause":null,"heading":"Who can opt for the Rider?","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/fetal-flourish-group-bajhlga26071v012526/document/3207#c-who-can-opt-for-the-rider"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"not-stated","value":null,"display":null,"note":"The rider documents mention instalment premium only in relation to discounts, but do not list premium payment modes such as yearly, half-yearly, quarterly or monthly.","quote":null,"sources":[],"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":["Fetal Flourish (Group) Rider"],"display":"Fetal Flourish (Group) Rider, for additional premium with the Base Policy","note":"This product is itself the optional rider to a Group Health Policy; the documents do not state further optional covers within it.","quote":"has made an additional proposal as mentioned in the transcript of the additional Proposal to Bajaj General Insurance Limited (Formerly known as Bajaj Allianz General Insurance Company Limited) (“the Company”) which shall be the basis of this Fetal Flourish (Group) (“Rider”) ... and has paid the additional premium as consideration for this Rider ... This Rider cannot be opted for independently and shall operate only in conjunction with the Base Policy.","sources":[{"clause":"Section A","heading":"PREAMBLE","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/fetal-flourish-group-bajhlga26071v012526/document/3207#c-section-a"},{"clause":null,"heading":"Who can opt for the Rider?","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/fetal-flourish-group-bajhlga26071v012526/document/3207#c-who-can-opt-for-the-rider"}],"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":"not-stated","value":null,"display":null,"note":"The rider documents do not state whether a claim during the grace period is paid.","quote":null,"sources":[],"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":"Fetal Flourish (Group) Policy Wordings","pages":7,"fetched_at":"2026-10-17 19:43:13+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/health-insurance/riders-health/Policy-Wordings-Fetal-Flourish-Group.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/fetal-flourish-group-bajhlga26071v012526/document/3207"},{"kind":"prospectus","label":"Fetal Flourish (Group) Prospectus","pages":7,"fetched_at":"2026-10-17 19:34:23+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/health-insurance/riders-health/Prospectus-Fetal-Flourish-Group.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/fetal-flourish-group-bajhlga26071v012526/document/2961"},{"kind":"cis","label":"Fetal Flourish (Group) Customer Information Sheet","pages":6,"fetched_at":"2026-10-17 19:39:13+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/health-insurance/riders-health/CIS-Fetal-Flourish-Group.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/fetal-flourish-group-bajhlga26071v012526/document/3101"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Bajaj General Insurance official website","url":"https://www.bajajgeneralinsurance.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claims","url":"https://www.bajajgeneralinsurance.com/general-insurance-claims.html","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":"Online grievance form","url":"https://www.bajajgeneralinsurance.com/forms/form-online-grievance.html","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":"Fetal Flourish (Group) (UIN BAJHLGA26071V012526), IndiaInsurances, https://indiainsurances.com/policy/bajaj-general-insurance/fetal-flourish-group-bajhlga26071v012526"}