{"uin":"BAJHLGP21052V022021","name":"Credit Linked Health Plan (Group)","url":"https://indiainsurances.com/policy/bajaj-general-insurance/credit-linked-health-plan-group-bajhlgp21052v022021","insurer":{"slug":"bajaj-general-insurance","name":"Bajaj General Insurance Limited","url":"https://indiainsurances.com/insurer/bajaj-general-insurance"},"line":"health","category":"critical-illness","category_name":"Critical illness","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Credit Linked Health Plan (Group) provides base critical illness and accident protection covers for loan borrowers, with critical illness Plan A, Plan B and Plan C and accident protection Plan A and Plan B. The policy can be opted for 1, 2, 3, 4 or 5 years subject to the loan period and has optional accidental hospitalization, children education, disability, EMI payment, fire and burglary or robbery covers.","analysis":{"state":"machine","analysed_at":"2026-10-19 19:04:20.220688+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":["Critical Illness Cover Plan A","Critical Illness Cover Plan B","Critical Illness Cover Plan C","Accident Protection Cover Plan A","Accident Protection Cover Plan B"],"display":"Critical Illness Cover Plan A, Plan B and Plan C; Accident Protection Cover Plan A and Plan B","note":null,"quote":"Following are the Plans available under the Section I: ... Plan B | Critical Illness Covered under Plan A + 8 Critical Illness Cover listed below: ... Plan C | Critical Illness Covered under Plan B + 5 Critical Illness Cover listed below: ... For this Section, Insured Beneficiary can opt any plan from below two options provided:\nPlan A - Death and Permanent Total Disability Cover (without any additional coverage) ... Plan B - Death and Permanent Total Disability Cover (with additional coverage)","sources":[{"clause":"Section I","heading":"CRITICAL ILLNESS COVER","page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/credit-linked-health-plan-group-bajhlgp21052v022021/document/3188#c-section-i-2"},{"clause":"17","heading":"Permanent Paralysis of Limbs","page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/credit-linked-health-plan-group-bajhlgp21052v022021/document/3188#c-17-3"},{"clause":"Section II","heading":"ACCIDENT PROTECTION COVER","page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/credit-linked-health-plan-group-bajhlgp21052v022021/document/3188#c-section-ii"},{"clause":null,"heading":"Plan B - Death and Permanent Total Disability Cover (with additional coverage)","page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/credit-linked-health-plan-group-bajhlgp21052v022021/document/3188#c-plan-b-death-and-permanent-total-disability-cove"}],"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":"The policy can be opted for 1, 2, 3, 4 or 5 years, subject to a maximum of the loan period.","display":"1 / 2 / 3 / 4 / 5 yrs subject to maximum of loan period","note":null,"quote":"The policy can be opted for 1/ 2 / 3 / 4 / 5 yrs subject to maximum of loan period.","sources":[{"clause":"27","heading":"Policy Period","page":22,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/credit-linked-health-plan-group-bajhlgp21052v022021/document/3188#c-27-3"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"For critical illness, intimate the company within 30 days of first diagnosis, surgical procedure or medical event. For accident reimbursement claims, inform the insurer in writing immediately and in any event within 30 days from the date of accident and submit all documents within 30 days from intimation; for optional accidental hospitalization cashless claims, planned admission must be intimated before 48 hours and emergency admission within 24 hours.","display":"Critical illness: within 30 days; accident reimbursement: immediately and within 30 days; planned cashless hospitalization: before 48 hours; emergency hospitalization: within 24 hours","note":"Cashless hospitalization deadlines apply only to Optional Cover I: Accidental Hospitalization Expenses.","quote":"In case of Planned hospitalization, You/the Insured Person/ Insured’s representative shall intimate such admission before 48 hours of such hospitalization. ... In case of Emergency hospitalization, You/ Insured Person/ Insured’s representative shall intimate such admission within 24 hours of such hospitalization. ... the Insured Event as described above shall be intimated to the Company within thirty (30) days date of first diagnosis of the Illness, date of surgical procedure or date of occurrence of the medial event as the case may be ... Policyholder or the Insured Beneficiary or someone claiming on his/her behalf must inform us in writing immediately and in any event within 30 days from the date of the accident and submit all documents to us within 30 days from the date of intimation.","sources":[{"clause":"Section E","heading":"CONDITIONS – OTHER TERMS AND CLAUSES","page":22,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/credit-linked-health-plan-group-bajhlgp21052v022021/document/3188#c-section-e-3"},{"clause":null,"heading":"B. Claim Settlement Process Applicable To Section I: Critical Illness Cover","page":23,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/credit-linked-health-plan-group-bajhlgp21052v022021/document/3188#c-b-claim-settlement-process-applicable-to-section"},{"clause":"5(a)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/credit-linked-health-plan-group-bajhlgp21052v022021/document/3188#c-5-a"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Certificate from the attending Doctor","Duly completed claim forms","Original Discharge Certificate/Card from the hospital/Doctor","Original investigation test reports, indoor case papers","Certificate from the Bank stating pertinent details of Insured Beneficiary’s Loan","Death claim documents","Permanent Total Disability claim documents","Accidental Hospitalization Expenses claim documents","Disability Benefit Cover claim documents","EMI Payment Cover claim documents","Fire And Allied Perils Cover/ Burglary and Robbery Cover claim documents"],"display":"Claim form, doctor certificate, discharge card, investigation reports, loan certificate if applicable, and cover-specific documents for death, disability, accidental hospitalization, EMI payment, fire and burglary/robbery claims","note":"The exact documents vary by the cover and claim type.","quote":"Certificate from the attending Doctor of the Insured Beneficiary confirming, inter alia, ... Duly completed claim forms; ... Original Discharge Certificate/Card from the hospital/Doctor; ... Original investigation test reports, indoor case papers; ... Certificate, if applicable, from the Bank stating pertinent details of Insured Beneficiary’s Loan including but not limited to the amortization schedule, Principal Outstanding, EMI etc. ... List of Claim documents for Death ... List of Claim documents for Permanent Total Disability ... List of Claim Documents Specific for Accidental Hospitalization Expenses ... List of Claim Documents Specific to Disability Benefit Cover ... List of Claim Document Specific to EMI Payment Cover ... List of Claim Document Specific to Fire And Allied Perils Cover/ Burglary and Robbery Cover","sources":[{"clause":"1","heading":null,"page":23,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/credit-linked-health-plan-group-bajhlgp21052v022021/document/3188#c-1-8"},{"clause":"2","heading":null,"page":23,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/credit-linked-health-plan-group-bajhlgp21052v022021/document/3188#c-2-8"},{"clause":"3","heading":null,"page":23,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/credit-linked-health-plan-group-bajhlgp21052v022021/document/3188#c-3-7"},{"clause":"4","heading":null,"page":23,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/credit-linked-health-plan-group-bajhlgp21052v022021/document/3188#c-4-6"},{"clause":"5","heading":null,"page":23,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/credit-linked-health-plan-group-bajhlgp21052v022021/document/3188#c-5-5"},{"clause":null,"heading":"List of Claim documents for Death","page":24,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/credit-linked-health-plan-group-bajhlgp21052v022021/document/3188#c-list-of-claim-documents-for-death"},{"clause":null,"heading":"List of Claim documents for Permanent Total Disability","page":24,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/credit-linked-health-plan-group-bajhlgp21052v022021/document/3188#c-list-of-claim-documents-for-permanent-total-disa"},{"clause":null,"heading":"List of Claim Documents Specific for Accidental Hospitalization Expenses","page":24,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/credit-linked-health-plan-group-bajhlgp21052v022021/document/3188#c-list-of-claim-documents-specific-for-accidental"},{"clause":null,"heading":"List of Claim Documents Specific to Disability Benefit Cover","page":24,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/credit-linked-health-plan-group-bajhlgp21052v022021/document/3188#c-list-of-claim-documents-specific-to-disability-b"},{"clause":null,"heading":"List of Claim Document Specific to EMI Payment Cover","page":24,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/credit-linked-health-plan-group-bajhlgp21052v022021/document/3188#c-list-of-claim-document-specific-to-emi-payment-c"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The insurer shall settle or reject a claim within 15 days from receipt of the last necessary document. If a claim warrants investigation, the investigation must be completed not later than 30 days from receipt of the last necessary document, and delay beyond the stipulated 15 days carries interest at 2% above the bank rate.","display":"15 days from receipt of last necessary document; investigation within 30 days; interest at 2% above bank rate for delay","note":null,"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. ... ln the case of delay in the payment of a claim, the Company shall be liable to pay interest to the policyholder from the date of receipt of last necessary document to the date of payment of claim at a rate 2% above the bank rate. ... the Company will initiate and complete such investigation at the earliest, in any case not later than 30 days from the date of receipt of last necessary document. In such cases, the Company will settle the claim within 15 days from the date of receipt of last necessary document.","sources":[{"clause":"7(i)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/credit-linked-health-plan-group-bajhlgp21052v022021/document/3188#c-7-i"},{"clause":"7(ii)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/credit-linked-health-plan-group-bajhlgp21052v022021/document/3188#c-7-ii"},{"clause":"21(d)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/credit-linked-health-plan-group-bajhlgp21052v022021/document/3188#c-21-d"}],"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":["Any Critical Illness for which care, treatment, or advice was recommended by or received from a Physician/ Medical Practitioner, or which first manifested itself or was contracted before the start of the Cover Period","Any Critical Illness diagnosed within the first 30/ 45/ 90 days","Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof","Treatment arising from or traceable to pregnancy, childbirth postpartum complications including but not limited to caesarian section, birth defects and congenital anomalies","Occupational diseases","War, whether war be declared or not, invasion, act of foreign enemy, hostilities, civil war, insurrection, rebellion, revolution, mutiny, military or usurped power","Act of terrorism where the Insured Beneficiary is directly involved in the Perpetration or Commission of any act of terrorism","Any natural peril (including but not limited to storm, tempest, avalanche, earthquake, volcanic eruptions, hurricane, or any other kind of natural hazard)","Radioactive contamination","Intentional self-injury","Any Pre-existing Condition(s) and complications arising out of or resulting therefrom","Through suicide, attempted suicide (whether sane and insane) or intentionally self-inflicted injury or illness","While under the influence of liquor or drugs , alcohol or other intoxicants","Hazardous or Adventure sports","Any treatment taken outside India"],"display":"Main exclusions include pre-existing/earlier critical illness, 30/45/90 day critical illness waiting period, alcohol or drug abuse, pregnancy/childbirth, occupational disease, war, terrorism involvement, natural perils, radioactive contamination, intentional self-injury, accident pre-existing conditions, suicide, intoxication, hazardous/adventure sports and treatment outside India.","note":null,"quote":"Any Critical Illness for which care, treatment, or advice was recommended by or received from a Physician/ Medical Practitioner, or which first manifested itself or was contracted before the start of the Cover Period ... Any Critical Illness diagnosed within the first 30/ 45/ 90 days ... Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. (Code- Excl12) ... Treatment arising from or traceable to pregnancy, childbirth postpartum complications including but not limited to caesarian section, birth defects and congenital anomalies. ... Occupational diseases. ... War, whether war be declared or not, invasion, act of foreign enemy, hostilities, civil war, insurrection, rebellion, revolution, mutiny, military or usurped power ... Act of terrorism where the Insured Beneficiary is directly involved in the Perpetration or Commission of any act of terrorism ... Any natural peril (including but not limited to storm, tempest, avalanche, earthquake, volcanic eruptions, hurricane, or any other kind of natural hazard). ... Radioactive contamination ... Intentional self-injury ... Any Pre-existing Condition(s) and complications arising out of or resulting therefrom; ... Through suicide, attempted suicide (whether sane and insane) or intentionally self-inflicted injury or illness, ... While under the influence of liquor or drugs , alcohol or other intoxicants, ... Hazardous or Adventure sports: Code- (Excl09) ... Any treatment taken outside India.","sources":[{"clause":null,"heading":"CRITICAL ILLNESS COVER","page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/credit-linked-health-plan-group-bajhlgp21052v022021/document/3188#c-critical-illness-cover"},{"clause":"Excl12","heading":"Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof.","page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/credit-linked-health-plan-group-bajhlgp21052v022021/document/3188#c-excl12"},{"clause":"2","heading":null,"page":15,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/credit-linked-health-plan-group-bajhlgp21052v022021/document/3188#c-2-5"},{"clause":"2(a)","heading":"Hazardous or Adventure sports","page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/credit-linked-health-plan-group-bajhlgp21052v022021/document/3188#c-2-a"},{"clause":"3","heading":"SPECIFIC EXCLUSION APPLICABLE TO OPTIONAL COVER I – ACCIDENTAL HOSPITALISATION EXPENSES","page":15,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/credit-linked-health-plan-group-bajhlgp21052v022021/document/3188#c-3-4"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact the insurer through its toll-free number, branches, website or email. Level 1 is careforyou@bajajgeneral.com, Level 2 is the Grievance Redressal Officer at ggro@bajajgeneral.com, Level 3 is missed call/SMS callback, and after that the Insurance Ombudsman may be approached.","display":"Insurer first: toll-free/branch/website/email; Level 1 careforyou@bajajgeneral.com; Level 2 ggro@bajajgeneral.com; Level 3 missed call/SMS; then Insurance Ombudsman","note":null,"quote":"1. Our toll-free number 1-800-209- 5858 or 020-30305858, say Say “Hi” on WhatsApp on +91 7507245858 ... 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":"14","heading":"Grievance Redressal Procedure","page":17,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/credit-linked-health-plan-group-bajhlgp21052v022021/document/3188#c-14-4"},{"clause":"14(a)","heading":"Level 1","page":18,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/credit-linked-health-plan-group-bajhlgp21052v022021/document/3188#c-14-a"},{"clause":"14(b)","heading":"Level 2","page":18,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/credit-linked-health-plan-group-bajhlgp21052v022021/document/3188#c-14-b"},{"clause":"14(c)","heading":"Level 3","page":18,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/credit-linked-health-plan-group-bajhlgp21052v022021/document/3188#c-14-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 policy points to the Certificate of Insurance or Policy Schedule for the chosen Sum Insured but does not print selectable cover amounts.","quote":null,"sources":[],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"quote-verified","value":{"unit":"days","amount":0},"display":"without any waiting period / more than 30 days / more than 45 days / more than 90 days, as opted","note":"Applies to Critical Illness Cover; the option may be no waiting period, 30 days, 45 days or 90 days.","quote":"whose signs or symptoms first commence in Cover Period without any waiting period / more than 30 days/ more than 45 days/ more than 90 days (as opted by Insured Beneficiary) after the commencement of the Certificate of Insurance. ... Any Critical Illness diagnosed within the first 30/ 45/ 90 days (as opted by Insured and or Insured Beneficiary) of the date of commencement of the Certificate of Insurance is excluded.","sources":[{"clause":"Section I","heading":"CRITICAL ILLNESS COVER","page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/credit-linked-health-plan-group-bajhlgp21052v022021/document/3188#c-section-i-2"},{"clause":null,"heading":"CRITICAL ILLNESS COVER","page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/credit-linked-health-plan-group-bajhlgp21052v022021/document/3188#c-critical-illness-cover"}],"law":[]},{"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 prints only a generic definition of specific waiting period and does not give a product-specific illness/procedure waiting list.","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":"No product-specific list of illnesses or procedures carrying a specific waiting period was found.","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":"Enhanced sums insured get a fresh sixty continuous months from the date of enhancement for the enhanced limits.","quote":"After completion of sixty continuous months of coverage (including portability and migration) no look back would be applied. This period of sixty months is called as moratorium period.","sources":[{"clause":"5","heading":"Moratorium Period","page":16,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/credit-linked-health-plan-group-bajhlgp21052v022021/document/3188#c-5-3"}],"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 can port the policy to other insurers by applying at least 30 days before, but not earlier than 60 days from, the policy renewal date. Accrued continuity benefits in waiting periods are available as per IRDAI guidelines if continuously covered without lapses.","display":"Portability allowed; apply at least 30 days before and not earlier than 60 days from renewal date; continuity benefits as per 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. ... the proposed Insured Beneficiary will get the accrued continuity benefits in waiting periods as per IRDAI guidelines on Portability.","sources":[{"clause":"6","heading":"Portability","page":16,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/credit-linked-health-plan-group-bajhlgp21052v022021/document/3188#c-6-3"}],"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":"quote-verified","value":false,"display":"No, renewal depends on the loan period","note":null,"quote":"Renewal | Renewal will be depending upon the loan period\nLoan period is less than or equal to 5years | The Certificate of Insurance will be issued for 5 years or lesser period depending on the loan period and no renewal will be offered after the expiry of Cover Period as the Insured Beneficiary will no longer be a loan borrower","sources":[{"clause":"15","heading":"Terms of Renewal","page":19,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/credit-linked-health-plan-group-bajhlgp21052v022021/document/3188#c-15-5"}],"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 an individual policy's claim experience; a discount may be provided for good claims experience.","display":"Portfolio-level loading only; not based on individual policy claim experience","note":null,"quote":"For this policy, the loadings on renewal premium shall be at portfolio and not based upon any individual policy claim experience. However, discount in premium may be provided by Us to You for good claims experience.","sources":[{"clause":"4(iv)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/credit-linked-health-plan-group-bajhlgp21052v022021/document/3188#c-4-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":"quote-verified","value":["Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. (Code- Excl12)","Cosmetic or plastic Surgery (Excl08)","Hazardous or Adventure sports: Code- (Excl09)","Dietary supplements and substances that can be purchased without prescription, including but not limited to Vitamins, minerals and organic substances unless prescribed by a medical practitioner as part of hospitalization claim or day care procedure. (Excl14)","Unproven Treatments (Excl16)","Treatment for any other system other than modern medicine (allopathy) and AYUSH therapies","Any treatment taken outside India","Dental treatment or surgery of any kind unless as a result of Accidental Bodily Injury to natural teeth and also requiring hospitalization","Any Pre-existing Condition(s) and complications arising out of or resulting therefrom","Through suicide, attempted suicide (whether sane and insane) or intentionally self-inflicted injury or illness"],"display":"Permanent exclusions include Excl08 cosmetic/plastic surgery, Excl09 hazardous/adventure sports, Excl12 alcohol/drug/substance abuse, Excl14 dietary supplements, Excl16 unproven treatments, non-allopathy/non-AYUSH treatment, outside-India treatment, most dental treatment, accident pre-existing conditions and suicide/self-inflicted injury.","note":"Excl01 to Excl03 are not listed here because they are waiting-period exclusions.","quote":"Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. (Code- Excl12) ... Cosmetic or plastic Surgery (Excl08) ... Hazardous or Adventure sports: Code- (Excl09) ... Dietary supplements and substances that can be purchased without prescription, including but not limited to Vitamins, minerals and organic substances unless prescribed by a medical practitioner as part of hospitalization claim or day care procedure. (Excl14) ... Unproven Treatments (Excl16) ... Treatment for any other system other than modern medicine (allopathy) and AYUSH therapies ... Any treatment taken outside India. ... Dental treatment or surgery of any kind unless as a result of Accidental Bodily Injury to natural teeth and also requiring hospitalization. ... Any Pre-existing Condition(s) and complications arising out of or resulting therefrom; ... Through suicide, attempted suicide (whether sane and insane) or intentionally self-inflicted injury or illness,","sources":[{"clause":"Excl12","heading":"Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof.","page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/credit-linked-health-plan-group-bajhlgp21052v022021/document/3188#c-excl12"},{"clause":"3(a)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/credit-linked-health-plan-group-bajhlgp21052v022021/document/3188#c-3-a"},{"clause":"3(b)","heading":"Hazardous or Adventure sports","page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/credit-linked-health-plan-group-bajhlgp21052v022021/document/3188#c-3-b"},{"clause":"3(c)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/credit-linked-health-plan-group-bajhlgp21052v022021/document/3188#c-3-c"},{"clause":"3(d)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/credit-linked-health-plan-group-bajhlgp21052v022021/document/3188#c-3-d"},{"clause":null,"heading":"GENERAL EXCLUSIONS APPLICABLE TO All COVERS","page":16,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/credit-linked-health-plan-group-bajhlgp21052v022021/document/3188#c-general-exclusions-applicable-to-all-covers"},{"clause":"3","heading":"SPECIFIC EXCLUSION APPLICABLE TO OPTIONAL COVER I – ACCIDENTAL HOSPITALISATION EXPENSES","page":15,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/credit-linked-health-plan-group-bajhlgp21052v022021/document/3188#c-3-4"},{"clause":"2","heading":null,"page":15,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/credit-linked-health-plan-group-bajhlgp21052v022021/document/3188#c-2-5"}],"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. For full-premium annual policies and instalment policies, premium for the unexpired risk period is refunded pro rata if no claim has been made during the policy year; multi-year policies get no deduction for future years and pro rata refund for a started policy year if no claim has been made, with medical examination expenses deducted where applicable.","display":"7 days' written notice; pro-rata refund of unexpired risk period if no claim has been made","note":"If cancellation is for misrepresentation, non-disclosure of material facts or fraud by the policyholder/insured person, no premium is refunded.","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: ... Annual Policy: 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. ... Multi-year Policy: o For any policy year where the risk date has not yet started, the premium will be refunded without any deduction. o For any policy year where the risk has started, the premium will be refunded on a pro-rata basis for that policy year, provided no claim has been made during the policy year and in full for future policy years. ... 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.","sources":[{"clause":"19","heading":"Cancellation of Certificate of Insurance","page":20,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/credit-linked-health-plan-group-bajhlgp21052v022021/document/3188#c-19-3"}],"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":"Worldwide coverage applies for Critical Illness Cover, Accident Protection Cover, Children Education Benefit, Disability Benefit Cover and EMI Payment Cover. Accidental Hospitalization Expenses, Fire and Allied Perils Cover and Burglary and Robbery Cover are restricted to India only, and payment is within India in Indian rupees.","display":"Worldwide for Section I, Section II and Optional Covers II-IV; India only for Optional Covers I, V and VI; payment within India in Indian Rupees","note":null,"quote":"a) World wide coverage is applicable for below sections Section I: Critical Illness Cover Section II: Accident Protection Cover Optional cover II: Children Education Benefit Optional cover III: Disability Benefit Cover Optional Cover IV: EMI Payment Cover\nb) Following covers are restricted to within India Only:\nOptional Cover I: Accidental Hospitalization Expenses Optional Cover V: Fire And Allied Perils Cover Optional Cover VI: Burglary And Robbery Cover\nc) Our liability to make any payment shall be to make payment within India and in Indian Rupees only","sources":[{"clause":"12","heading":"Territorial Limits","page":19,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/credit-linked-health-plan-group-bajhlgp21052v022021/document/3188#c-12-5"}],"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 from date of receipt of the Certificate of Insurance","note":"Applicable at inception of the Certificate of Insurance and not on renewals or porting.","quote":"The Insured Beneficiary shall be allowed a period of Thirty days from date of receipt of the Certificate of Insurance to review the terms and conditions of the Certificate of Insurance, and to return the same if not acceptable.","sources":[{"clause":"15","heading":"Free Look Period","page":18,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/credit-linked-health-plan-group-bajhlgp21052v022021/document/3188#c-15-4"}],"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":"15 days for monthly instalments and 30 days for quarterly/half-yearly/annual instalments","note":"The 15-day period applies to monthly instalments; 30 days applies to quarterly, half-yearly and annual instalments.","quote":"The Grace Period of fifteen days (where premium is paid on a monthly instalments) and thirty days (where premium is paid in quarterly/half-yearly/annual instalments) is available on the premium due date, to pay the premium.","sources":[{"clause":"3","heading":"Premium Payment in Installments","page":16,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/credit-linked-health-plan-group-bajhlgp21052v022021/document/3188#c-3-5"}],"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":"18 years to 65 Years.","display":"18 years to 65 Years","note":null,"quote":"18 years to 65 Years","sources":[{"clause":"1","heading":"Eligible Entry Age Limit","page":18,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/credit-linked-health-plan-group-bajhlgp21052v022021/document/3188#c-1-7"}],"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","sources":[{"clause":"3","heading":"Premium Payment in Installments","page":16,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/credit-linked-health-plan-group-bajhlgp21052v022021/document/3188#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":"quote-verified","value":["Accidental Hospitalization Expenses","Children Education Benefit","Disability Benefit Cover","EMI Payment Cover","Fire and Allied Perils Cover","Burglary and Robbery Cover"],"display":"Accidental Hospitalization Expenses; Children Education Benefit; Disability Benefit Cover; EMI Payment Cover; Fire and Allied Perils Cover; Burglary and Robbery Cover","note":"Optional Cover IV is EMI Payment Cover, Optional Cover V is Fire and Allied Perils Cover, and Optional Cover VI is Burglary and Robbery Cover as set out in the subsequent optional-cover clauses.","quote":"You can opt for any of the below listed Optional Covers and below terms and conditions of respective Optional Covers will be applicable for Covers which are opted by you and displayed on your Certificate of Insurance: ... OPTIONAL COVER I: ACCIDENTAL HOSPITALIZATION EXPENSES OPTIONAL COVER II: CHILDREN EDUCATION BENEFIT OPTIONAL COVER III: DISABILITY BENEFIT COVER OPTIONAL...","sources":[{"clause":"Part B","heading":"OPTIONAL COVERS","page":11,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/credit-linked-health-plan-group-bajhlgp21052v022021/document/3188#c-part-b"},{"clause":null,"heading":"OPTIONAL COVER I: ACCIDENTAL HOSPITALIZATION EXPENSES OPTIONAL COVER II: CHILDREN EDUCATION BENEFIT OPTIONAL COVER III: DISABILITY BENEFIT COVER OPTIONAL...","page":11,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/credit-linked-health-plan-group-bajhlgp21052v022021/document/3188#c-optional-cover-i-accidental-hospitalization-expe"}],"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 if premium is paid in instalments 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":16,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/credit-linked-health-plan-group-bajhlgp21052v022021/document/3188#c-3-5"}],"law":[]},{"key":"illness_count","label":"Number of illnesses covered","section":"Cover","meaning":"How many critical illnesses are listed. The definitions matter more than the count.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"illness_list","label":"Illnesses covered","section":"Cover","meaning":"The listed illnesses. Standard definitions are set by IRDAI.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"payout","label":"Payout","section":"Cover","meaning":"Lump sum on diagnosis, staged payouts by severity, or reimbursement.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"survival_period","label":"Survival period","section":"Waiting periods","meaning":"Days you must survive after diagnosis before the money is paid.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"multiple_claims","label":"Multiple claims","section":"Cover","meaning":"Whether you can claim for more than one illness.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"ped_waiting","label":"Pre-existing conditions","section":"Waiting periods","meaning":"Whether an illness you already had can ever be claimed: after a waiting period, or never.","status":"not-applicable","value":null,"display":null,"note":"Pre-existing conditions are excluded under the base covers rather than covered after a 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"}]}],"documents":[{"kind":"wording","label":"Credit Linked Health Plan (Group) Policy Wordings","pages":40,"fetched_at":"2026-10-17 19:42:30+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/health-insurance/Health-PW/Credit-Linked-Health-Plan(Group)_PW.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/credit-linked-health-plan-group-bajhlgp21052v022021/document/3188"},{"kind":"cis","label":"Credit Linked Health Plan (Group) Customer Information Sheet","pages":9,"fetched_at":"2026-10-17 19:38:22+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/health-insurance/Health-CIS/Credit-Linked-Health-Plan_CIS.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/credit-linked-health-plan-group-bajhlgp21052v022021/document/3077"}],"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":"Credit Linked Health Plan (Group) (UIN BAJHLGP21052V022021), IndiaInsurances, https://indiainsurances.com/policy/bajaj-general-insurance/credit-linked-health-plan-group-bajhlgp21052v022021"}