{"uin":"BAJHLGP18016V011718","name":"Bajaj General Credit Linked Group Hospital Cash Policy","url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-credit-linked-group-hospital-cash-policy-bajhlgp18016v011718","insurer":{"slug":"bajaj-general-insurance","name":"Bajaj General Insurance Limited","url":"https://indiainsurances.com/insurer/bajaj-general-insurance"},"line":"health","category":"hospital-cash","category_name":"Hospital daily cash","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"This is a group hospital cash policy for RBL loan borrowers and their spouses with a certificate period of 1 Year. It pays INR 1000 for each consecutive 24 hours of hospitalisation up to 30 days during each policy period.","analysis":{"state":"machine","analysed_at":"2026-10-19 19:03:38.686668+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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"Certificate of Insurance policy period is 1 Year.","display":"1 Year","note":"The master policy validity is stated separately as twelve months.","quote":"Policy Period under Certificate of Insurance:\n• 1 Year","sources":[{"clause":"Section C","heading":"COVERAGE","page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-credit-linked-group-hospital-cash-policy-bajhlgp18016v011718/document/3185#c-section-c"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"The insured person or someone claiming on their behalf must inform the company within 48 hours of emergency hospitalisation and 48 hours before planned hospitalisation.","display":"Within 48 hours for emergency hospitalisation; 48 hours prior for planned hospitalisation","note":null,"quote":"The Insured Person or someone claiming on the Insured Person’s behalf must inform the Company within 48 hours* of hospitalization in case emergency hospitalization and 48 hours* prior to hospitalization in case of planned hospitalization","sources":[{"clause":"8(i)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-credit-linked-group-hospital-cash-policy-bajhlgp18016v011718/document/3185#c-8-i"}],"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":null,"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":"quote-verified","value":"The company shall settle or reject a claim within 15 days from receipt of the last necessary document. After acceptance of a settlement offer, payment is due within 7 days from acceptance of the offer.","display":"Settle or reject within 15 days from last necessary document; pay within 7 days from acceptance of offer","note":"For delay in payment, the policy states interest at 2% above the bank rate.","quote":"The Company shall settle or reject a claim, as the case may be, within 15 days from the date of receipt of last necessary document. ... Upon acceptance of an offer of settlement by the Insured Person, the payment of the amount due shall be made within 7 days from the date of acceptance of the offer by the Insured Person.","sources":[{"clause":"5","heading":"Claim Settlement. (provision for Penal interest)","page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-credit-linked-group-hospital-cash-policy-bajhlgp18016v011718/document/3185#c-5-5"},{"clause":"8(vii)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-credit-linked-group-hospital-cash-policy-bajhlgp18016v011718/document/3185#c-8-vii"}],"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":["Expenses related to the surgical treatment of obesity that does not fulfil all the below conditions","Expenses for cosmetic or plastic surgery or any treatment to change appearance","Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof.","Dietary supplements and substances that can be purchased without prescription","Expenses related to any unproven treatment, services and supplies for or in connection with any treatment.","War, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war","Dental treatment or Dental surgery of any kind unless as a result of Accidental Injury to natural teeth and also requiring hospitalization.","Intentional self-injury (including but not limited to the use or misuse of any intoxicating drugs or alcohol)","Any condition directly or indirectly caused by or associated with Human Immunodeficiency Virus","Medical Expenses relating to any hospitalisation primarily and specifically for diagnostic, X-ray or laboratory examinations and investigations.","Any claim directly or indirectly caused by or contributed to by nuclear weapons and/or materials.","Any fertility, sub fertility, impotence, assisted conception operation or sterilization procedure.","Venereal disease or any sexually transmitted disease or sickness.","Treatment for any mental illness or psychiatric illness, Parkinson's and Alzheimer's disease.","Any natural peril including but not limited to avalanche, earthquake, volcanic eruptions or any kind of natural hazard."],"display":"Obesity surgery conditions, cosmetic/plastic surgery, alcohol/drug abuse, non-prescription supplements, unproven treatments, war, dental treatment, self-injury, HIV/AIDS, diagnostic-only hospitalisation, nuclear risks, fertility/sterilization, venereal disease, mental/Parkinson's/Alzheimer's, and natural perils","note":null,"quote":"Expenses related to the surgical treatment of obesity that does not fulfil all the below conditions: ... Expenses for cosmetic or plastic surgery or any treatment to change appearance ... Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. ... Dietary supplements and substances that can be purchased without prescription ... Expenses related to any unproven treatment, services and supplies for or in connection with any treatment. ... War, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war ... Dental treatment or Dental surgery of any kind unless as a result of Accidental Injury to natural teeth and also requiring hospitalization. ... Intentional self-injury (including but not limited to the use or misuse of any intoxicating drugs or alcohol) ... Any condition directly or indirectly caused by or associated with Human Immunodeficiency Virus or Variant/mutant viruses and or any syndrome or condition of a similar kind commonly referred to as AIDS. ... Medical Expenses relating to any hospitalisation primarily and specifically for diagnostic, X-ray or laboratory examinations and investigations. ... Any claim directly or indirectly caused by or contributed to by nuclear weapons and/or materials. ... Any fertility, sub fertility, impotence, assisted conception operation or sterilization procedure. ... Venereal disease or any sexually transmitted disease or sickness. ... Treatment for any mental illness or psychiatric illness, Parkinson's and Alzheimer's disease. ... Any natural peril including but not limited to avalanche, earthquake, volcanic eruptions or any kind of natural hazard.","sources":[{"clause":"1","heading":"Obesity/Weight Control (Excl06)","page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-credit-linked-group-hospital-cash-policy-bajhlgp18016v011718/document/3185#c-1-3"},{"clause":"2","heading":"Cosmetic or plastic Surgery (Excl08)","page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-credit-linked-group-hospital-cash-policy-bajhlgp18016v011718/document/3185#c-2-3"},{"clause":"3","heading":null,"page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-credit-linked-group-hospital-cash-policy-bajhlgp18016v011718/document/3185#c-3-3"},{"clause":"4","heading":null,"page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-credit-linked-group-hospital-cash-policy-bajhlgp18016v011718/document/3185#c-4-3"},{"clause":"5","heading":"Unproven Treatments (Excl16)","page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-credit-linked-group-hospital-cash-policy-bajhlgp18016v011718/document/3185#c-5-3"},{"clause":"1","heading":null,"page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-credit-linked-group-hospital-cash-policy-bajhlgp18016v011718/document/3185#c-1-4"},{"clause":"4","heading":null,"page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-credit-linked-group-hospital-cash-policy-bajhlgp18016v011718/document/3185#c-4-4"},{"clause":"6","heading":null,"page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-credit-linked-group-hospital-cash-policy-bajhlgp18016v011718/document/3185#c-6-3"},{"clause":"8","heading":null,"page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-credit-linked-group-hospital-cash-policy-bajhlgp18016v011718/document/3185#c-8-3"},{"clause":"9","heading":null,"page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-credit-linked-group-hospital-cash-policy-bajhlgp18016v011718/document/3185#c-9-3"},{"clause":"10","heading":null,"page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-credit-linked-group-hospital-cash-policy-bajhlgp18016v011718/document/3185#c-10-3"},{"clause":"12","heading":null,"page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-credit-linked-group-hospital-cash-policy-bajhlgp18016v011718/document/3185#c-12-3"},{"clause":"14","heading":null,"page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-credit-linked-group-hospital-cash-policy-bajhlgp18016v011718/document/3185#c-14-2"},{"clause":"15","heading":null,"page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-credit-linked-group-hospital-cash-policy-bajhlgp18016v011718/document/3185#c-15-2"},{"clause":"16","heading":null,"page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-credit-linked-group-hospital-cash-policy-bajhlgp18016v011718/document/3185#c-16-2"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First use the insurer's toll-free/phone, WhatsApp, branch, website or Level 1 email routes. If not satisfied, write to the Grievance Redressal Officer at ggro@bajajgeneral.com, then use the Level 3 call-back route before approaching the Insurance Ombudsman.","display":"Toll-free/WhatsApp/branch/website or Level 1 email, then GRO at ggro@bajajgeneral.com, then Level 3 call-back, then Ombudsman","note":null,"quote":"1. Our toll-free number 1-800-209- 5858 or 020-30305858, say Say “Hi” on WhatsApp on +91 7507245858\n2. Branches for resolution of your grievances / complaints, the Branch details can be found on our website www.bajajgeneralinsurance.com/branch-locator.html\n3. Register your grievances / complaints on our website www.bajajgeneralinsurance.com/about-us/customer-service.html\n4. E-mail ... a) Level 1: Write to 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\n5. If you are still not satisfied with the decision of the Insurance Company, you may approach the Insurance Ombudsman","sources":[{"clause":"15","heading":"Complete Discharge","page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-credit-linked-group-hospital-cash-policy-bajhlgp18016v011718/document/3185#c-15-3"},{"clause":"15(a)","heading":"Level 1","page":8,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-credit-linked-group-hospital-cash-policy-bajhlgp18016v011718/document/3185#c-15-a"},{"clause":"15(b)","heading":"Level 2","page":8,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-credit-linked-group-hospital-cash-policy-bajhlgp18016v011718/document/3185#c-15-b"},{"clause":"15(c)","heading":"Level 3","page":8,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-credit-linked-group-hospital-cash-policy-bajhlgp18016v011718/document/3185#c-15-c"}],"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 wording defines Sum Assured as the amount stated in the Certificate of Insurance but does not list selectable sum insured options.","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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"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 wording defines a specific waiting period but does not state that any named illness or procedure has such a waiting period under this product.","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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"sixty continuous months","note":"After the moratorium period, claims remain subject to proven fraud, permanent exclusions, and policy limits.","quote":"After completion of sixty continuous months of coverage (including portability and migration) no look back would be applied. This period\nof sixty months | is called as moratorium period.","sources":[{"clause":"4","heading":"Moratorium Period","page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-credit-linked-group-hospital-cash-policy-bajhlgp18016v011718/document/3185#c-4-5"}],"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":"The insured beneficiary may port the policy to other insurers by applying at least 30 days before, but not earlier than 60 days from, the policy renewal date. If continuously covered without lapses under a health insurance policy with an Indian general/health insurer, accrued continuity benefits in waiting periods are available as per IRDAI portability guidelines.","display":"Portability allowed with waiting-period continuity credit, subject to IRDAI guidelines","note":null,"quote":"The Insured beneficiary will have the option to port the policy to other insurers by applying to such insurer to port the entire policy along with all the members of the family, if any, at least 30 days before, but not earlier than 60 days from the policy renewal date as per IRDAI guidelines related to portability. If such person is presently covered and has been continuously covered without any lapses under any health insurance policy with an Indian General/Health insurer, the proposed Insured beneficiary will get the accrued continuity benefits in waiting periods as per IRDAI guidelines on portability.","sources":[{"clause":"11","heading":"Portability","page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-credit-linked-group-hospital-cash-policy-bajhlgp18016v011718/document/3185#c-11-4"}],"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":"Renewal premium loadings are at portfolio level and not based on individual policy claim experience.","display":"Not based on individual policy claim experience; portfolio-level loading only","note":"The clause also says a discount in premium may be provided for good claims experience.","quote":"For this policy, the loadings on renewal premium shall be at portfolio and not based upon any individual policy claim experience.","sources":[{"clause":"7(iv)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-credit-linked-group-hospital-cash-policy-bajhlgp18016v011718/document/3185#c-7-iv"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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 can cancel by giving 7 days' written notice. The company refunds premium for the unexpired risk period on a pro-rata basis if no claim has been made during the policy year, with medical examination expenses also deducted where applicable.","display":"7 days' written notice; pro-rata refund for unexpired risk period if no claim, with medical examination expenses deducted where applicable","note":"For multi-year policies, future policy years where risk has not started are refunded without deduction and in full for future policy years where the current-year risk has started.","quote":"The Policyholder can cancel this Policy by providing a written notice of 7 days. In such a case, the Company will refund the premium for the unexpired policy period as detailed below: ... The premium refund for the unexpired risk period will be on a pro-rata basis, provided no claim has been made during the policy year. ... The premium refund for the unexpired risk period will be on a pro-rata basis, provided no claim has been made during the policy year. ... expenses incurred by the Company on medical examination of the Policyholder will also be deducted before refunding of premium.","sources":[{"clause":"15","heading":"Complete Discharge","page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-credit-linked-group-hospital-cash-policy-bajhlgp18016v011718/document/3185#c-15-3"}],"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":"The policy covers insured events and treatment within India only, with payment within India and in Indian Rupees only.","display":"Within India only","note":null,"quote":"The Company cover only insured events arising during the Policy Period, as well as treatment availed, within India. The Company’s liability to make any payment shall be to make payment within India and in Indian Rupees only.","sources":[{"clause":"5","heading":"Territorial Limits & Governing Law","page":8,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-credit-linked-group-hospital-cash-policy-bajhlgp18016v011718/document/3185#c-5-6"}],"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":"thirty days","note":"The wording says this applies on new individual health insurance policies and not on renewals or at the time of porting/migrating the policy.","quote":"The insured person shall be allowed free look period of thirty days from date of receipt of the policy document to review the terms and conditions of the policy, and to return the same if not acceptable.","sources":[{"clause":"14","heading":"Free Look Period","page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-credit-linked-group-hospital-cash-policy-bajhlgp18016v011718/document/3185#c-14-3"}],"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":15},"display":"fifteen days for monthly; thirty days in all other cases","note":"The instalment clause states the same split: fifteen days for monthly instalments and thirty days for quarterly, half-yearly or annual instalments.","quote":"The grace period for payment of the premium for all types of insurance policies shall be: fifteen days where premium payment mode is monthly and thirty days in all other cases.","sources":[{"clause":"17","heading":"Grace Period","page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-credit-linked-group-hospital-cash-policy-bajhlgp18016v011718/document/3185#c-17"}],"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":"Age of entry is from 18 years to lifetime.","display":"18 years to lifetime","note":"Eligibility is limited to loan borrowers of Ratnakar Bank Limited (RBL) and their spouse.","quote":"Age of entry is from 18 years to lifetime.","sources":[{"clause":"2","heading":"Entry Age","page":8,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-credit-linked-group-hospital-cash-policy-bajhlgp18016v011718/document/3185#c-2-6"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["Annual (for long term polices only)","Half Yearly","Quarterly","Monthly"],"display":"Annual (for long term polices only), Half Yearly, Quarterly or Monthly","note":null,"quote":"If the insured person has opted for Payment of Premium on an instalment basis i.e. Annual (for long term polices only), Half Yearly, Quarterly or Monthly, as mentioned in the policy Schedule/Certificate of Insurance","sources":[{"clause":"3","heading":"Premium Payment in Installments","page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-credit-linked-group-hospital-cash-policy-bajhlgp18016v011718/document/3185#c-3-5"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"If premium is paid in instalments during the policy period, coverage will be available for the grace period also.","display":"Coverage available during grace period for instalment premium during the policy period","note":null,"quote":"If the premium is paid in instalments during the policy period, coverage will be available for the grace period also.","sources":[{"clause":"3","heading":"Premium Payment in Installments","page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-credit-linked-group-hospital-cash-policy-bajhlgp18016v011718/document/3185#c-3-5"}],"law":[]},{"key":"daily_amount","label":"Daily amount","section":"Cover","meaning":"The fixed amount paid per day in hospital.","status":"quote-verified","value":"The policy pays daily allowance of INR 1000 for each consecutive period of 24 hours of hospitalisation in room and/or ICU.","display":"INR 1000 per consecutive 24 hours of hospitalisation","note":null,"quote":"the Company will pay daily allowance of INR 1000, for each consecutive period of 24 hours of Hospitalization in Room and/ or Intensive Care Unit (ICU) of a Hospital","sources":[{"clause":"Section C","heading":"COVERAGE","page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-credit-linked-group-hospital-cash-policy-bajhlgp18016v011718/document/3185#c-section-c"}],"law":[]},{"key":"max_days","label":"Maximum days","section":"Cover","meaning":"Most days paid per admission and per year.","status":"quote-verified","value":"The wording states a maximum period of 30 days during each Policy Period. It does not state a separate per-admission maximum.","display":"30 days during each Policy Period; per-admission maximum not stated","note":"The field asks for per admission and per year; the wording states only the policy-period maximum.","quote":"for a maximum period of 30 days during each Policy Period.","sources":[{"clause":"Section C","heading":"COVERAGE","page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-credit-linked-group-hospital-cash-policy-bajhlgp18016v011718/document/3185#c-section-c"}],"law":[]},{"key":"min_stay","label":"Minimum stay","section":"Cover","meaning":"How long you must be in hospital before daily cash starts.","status":"quote-verified","value":"Daily cash starts for each consecutive period of 24 hours of hospitalisation.","display":"24 hours","note":null,"quote":"for each consecutive period of 24 hours of Hospitalization","sources":[{"clause":"Section C","heading":"COVERAGE","page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-credit-linked-group-hospital-cash-policy-bajhlgp18016v011718/document/3185#c-section-c"}],"law":[]}],"documents":[{"kind":"wording","label":"Bajaj General Credit Linked Group Hospital Cash Policy Policy Wordings","pages":9,"fetched_at":"2026-10-17 19:42:27+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/health-insurance/Health-PW/Credit-Linked-Group-Hospital-Cash-Policy_PW.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-credit-linked-group-hospital-cash-policy-bajhlgp18016v011718/document/3185"},{"kind":"cis","label":"Bajaj General Credit Linked Group Hospital Cash Policy Customer Information Sheet","pages":4,"fetched_at":"2026-10-17 19:38:18+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/health-insurance/Health-CIS/Credit-Linked-Group-Hospital-Cash-Policy_CIS.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-credit-linked-group-hospital-cash-policy-bajhlgp18016v011718/document/3076"}],"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":"Bajaj General Credit Linked Group Hospital Cash Policy (UIN BAJHLGP18016V011718), IndiaInsurances, https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-credit-linked-group-hospital-cash-policy-bajhlgp18016v011718"}