{"uin":"BAJHLGP25018V012425","name":"Flexi Guard (Group)","url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425","insurer":{"slug":"bajaj-general-insurance","name":"Bajaj General Insurance Limited","url":"https://indiainsurances.com/insurer/bajaj-general-insurance"},"line":"health","category":"group-health","category_name":"Group health","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Flexi Guard (Group) is a group health product where at least one base cover must be opted, including Medical Expenses Insurance, Hospital Daily Allowance, Top Up Plans or Recovery Relief. The base medical expenses cover has a 30-day initial waiting period, 36-month pre-existing disease waiting period and 24-month specified disease or procedure waiting period, with optional covers available.","analysis":{"state":"machine","analysed_at":"2026-10-19 19:04:30.028519+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":["Base Cover 3 Plan 1: Aggregate Deductible","Base Cover 3 Plan 2: Per Claim Deductible","Base Cover 3 Plan 3: Aggregate Deductible at a Group Level","Recovery Relief Plan 1: Multiple event","Recovery Relief Plan 2: One event","Critical Illness Cover Plan A","Critical Illness Cover Plan B","Critical Illness Cover Plan C"],"display":"Base Cover 3 has Plan 1: Aggregate Deductible, Plan 2: Per Claim Deductible and Plan 3: Aggregate Deductible at a Group Level; Recovery Relief has Plan 1: Multiple event and Plan 2: One event; Critical Illness Cover has Plan A, Plan B and Plan C.","note":"These are plans named inside particular covers; the product also has multiple base covers and optional covers.","quote":"Plan 1: Aggregate Deductible ... Plan 2: Per Claim Deductible ... Plan 3: Aggregate Deductible at a Group Level ... Plan 1: Multiple event: The Recovery Relief benefit amount towards Medical Expenses will be paid for each event of Hospitalisation not exceeding 5 Hospitalisations in a Cover Period.\nPlan 2: One event: The Recovery Relief benefit amount towards Medical Expenses will be paid only once during Cover Period. ... Following are the Plans available under Critical Illness Cover\nPlan | Critical Illness Covered\nPlan A | 10 Critical Illness Cover ... Plan B | Critical Illness Covered under Plan A + Critical Illness Cover listed below: ... Plan C | 4. Blindness","sources":[{"clause":null,"heading":"Plans available for Base Cover 3: Plan 1: Aggregate Deductible","page":13,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202#c-plans-available-for-base-cover-3-plan-1-aggregat"},{"clause":null,"heading":"Plan 2: Per Claim Deductible","page":13,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202#c-plan-2-per-claim-deductible"},{"clause":null,"heading":"Plan 3: Aggregate Deductible at a Group Level","page":13,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202#c-plan-3-aggregate-deductible-at-a-group-level"},{"clause":null,"heading":"Plans available","page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202#c-plans-available"},{"clause":null,"heading":"Payment options-","page":19,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202#c-payment-options"},{"clause":"10","heading":"Surgery of Aorta","page":19,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202#c-10-3"}],"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":"Credit linked cover can run up to 1 year or 1, 2, 3, 4 or 5 years. Non-credit linked cover can run up to 1 year.","display":"Credit linked: upto 1 year/ 1/ 2/ 3/ 4/ 5 years; non-credit linked: upto 1 year","note":null,"quote":"Cover Period:\n• Credit linked - upto 1 year/ 1/ 2/ 3/ 4/ 5 years.\n• Non-credit linked - upto 1 year.","sources":[{"clause":"Section A","heading":"PREAMBLE","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202#c-section-a"}],"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 Part I cashless claims, planned hospitalisation must be intimated before 48 hours and emergency hospitalisation within 24 hours. For reimbursement claims, intimation must be given within 48 hours of emergency hospitalisation and 48 hours prior to planned hospitalisation; Part II reimbursement claims require intimation within 30 days from the date of accident.","display":"Planned cashless: before 48 hours; emergency cashless: within 24 hours; reimbursement: within 48 hours of emergency and 48 hours prior to planned hospitalisation; Part II: within 30 days from accident","note":null,"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. ... You or someone claiming on Your behalf must inform Us in writing immediately within 48 hours of Hospitalisation in case of emergency Hospitalisation and 48 hours prior to Hospitalisation in case of planned Hospitalisation ... 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":"1(b)(ii)","heading":null,"page":45,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202#c-1-b-ii"},{"clause":"1(b)(iii)","heading":null,"page":45,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202#c-1-b-iii"},{"clause":"1(b)(x)","heading":null,"page":46,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202#c-1-b-x"},{"clause":"1(a)","heading":null,"page":47,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202#c-1-a-5"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Claim form with NEFT details & cancelled cheque duly signed by Insured Beneficiary","Original/Attested copies of Discharge Summary / Discharge Certificate / Death Summary with Surgical & anesthetics notes","Attested copies of Indoor case papers, if available","Original/Attested copies Final Hospital Bill with breakup of surgical charges, surgeon’s fees, OT charges etc.","Original Paid Receipt against the final Hospital Bill.","Original bills towards Investigations done / Laboratory Bills.","Original/Attested copies of Investigation Reports against Investigations done.","First consultation letter for the current ailment.","In case of implant surgery, invoice & sticker.","Duly Completed Claim Form signed by Nominee/ legal heir of the Insured Beneficiary/ Insured Beneficiary.","NEFT details & cancelled cheque of the Insured Beneficiary/ Insured Beneficiary"],"display":"Claim form with NEFT and cancelled cheque, discharge/death summary, indoor case papers, final hospital bill and receipt, investigation bills and reports, first consultation letter, implant invoice and sticker, and Part II common claim documents.","note":"The policy says the document list is indicative and the insurer may ask for additional claim-related documents.","quote":"1. Claim form with NEFT details & cancelled cheque duly signed by Insured Beneficiary\n2. Original/Attested copies of Discharge Summary / Discharge Certificate / Death Summary with Surgical & anesthetics notes\n3. Attested copies of Indoor case papers, if available\n4. Original/Attested copies Final Hospital Bill with breakup of surgical charges, surgeon’s fees, OT charges etc.\n5. Original Paid Receipt against the final Hospital Bill.\n6. Original bills towards Investigations done / Laboratory Bills.\n7. Original/Attested copies of Investigation Reports against Investigations done. ... 10. First consultation letter for the current ailment.\n11. In case of implant surgery, invoice & sticker. ... • Duly Completed Claim Form signed by Nominee/ legal heir of the Insured Beneficiary/ Insured Beneficiary.\n• Copy of address proof (Ration card or electricity bill copy).\n• NEFT details & cancelled cheque of the Insured Beneficiary/ Insured Beneficiary","sources":[{"clause":null,"heading":"List of Claim documents: - Applicable to Part I – Flexi Health Protect plan (Group)","page":46,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202#c-list-of-claim-documents-applicable-to-part-i-fle"},{"clause":null,"heading":"List of Common Claim Documents-","page":48,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202#c-list-of-common-claim-documents"}],"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. If investigation is warranted, it must be completed not later than 30 days from receipt of the last necessary document, and delay beyond 15 days attracts interest at 2% above the bank rate.","display":"Settle or reject within 15 days from receipt of last necessary document; investigation not later than 30 days; delay interest 2% above bank rate","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. ... In the case of delay in the payment of a claim, the Company shall be liable to pay interest to the Insured Beneficiary from the date of receipt of last necessary document to the date of payment of claim at a rate 2% above the bank rate. ... it shall 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.","sources":[{"clause":"5(i)","heading":null,"page":38,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202#c-5-i"},{"clause":"5(ii)","heading":null,"page":38,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202#c-5-ii"},{"clause":"5(iii)","heading":null,"page":38,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202#c-5-iii"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Pre-Existing Diseases Waiting Period (Code-Excl01)","Specified disease/procedure Waiting Period (Code-Excl02)","30-day Waiting Period (Code-Excl03)","Investigation & Evaluation (Code-Excl04)","Rest Cure, rehabilitation and respite care (Code-Excl05)","Obesity/Weight Control (Code-Excl06)","Change-of-gender treatments (Code-Excl07)","Cosmetic or plastic Surgery (Code-Excl08)","Hazardous or Adventure sports: (Code- Excl09)","Breach of law (Code-Excl10)","Excluded Providers (Code-Excl11)","Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof.","Sterility and Infertility (Code-Excl17)","Maternity: Code Excl18","Any treatment received outside India is not covered under this Certificate of Insurance."],"display":"Main exclusions include PED, specified disease/procedure and 30-day waiting periods, Excl04 to Excl11, alcoholism/drug/substance abuse, sterility and infertility, maternity, and treatment outside India.","note":"Optional covers can make some exclusions inoperative only for that optional cover, for example maternity, AYUSH, gender reassignment, assisted reproduction and international emergency care.","quote":"Pre-Existing Diseases Waiting Period (Code-Excl01) ... Specified disease/procedure Waiting Period (Code-Excl02) ... 3. 30-day Waiting Period (Code-Excl03) ... Investigation & Evaluation (Code-Excl04) ... Rest Cure, rehabilitation and respite care (Code-Excl05) ... Obesity/Weight Control (Code-Excl06) ... Change-of-gender treatments (Code-Excl07) ... Cosmetic or plastic Surgery (Code-Excl08) ... Hazardous or Adventure sports: (Code- Excl09) ... Breach of law (Code-Excl10) ... Excluded Providers (Code-Excl11) ... Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. ... Sterility and Infertility (Code-Excl17) ... Maternity: Code Excl18 ... Any treatment received outside India is not covered under this Certificate of Insurance.","sources":[{"clause":"1","heading":"Pre-Existing Diseases Waiting Period (Code-Excl01)","page":32,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202#c-1-5"},{"clause":"2","heading":"Specified disease/procedure Waiting Period (Code-Excl02)","page":32,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202#c-2-4"},{"clause":"2(f)","heading":null,"page":32,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202#c-2-f"},{"clause":"4","heading":"Investigation & Evaluation (Code-Excl04)","page":33,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202#c-4-3"},{"clause":"5","heading":"Rest Cure, rehabilitation and respite care (Code-Excl05)","page":33,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202#c-5-4"},{"clause":"6","heading":"Obesity/Weight Control (Code-Excl06)","page":33,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202#c-6-4"},{"clause":"7","heading":"Change-of-gender treatments (Code-Excl07)","page":34,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202#c-7-4"},{"clause":"8","heading":"Cosmetic or plastic Surgery (Code-Excl08)","page":34,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202#c-8-4"},{"clause":"9","heading":"Hazardous or Adventure sports: (Code- Excl09)","page":34,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202#c-9-4"},{"clause":"10","heading":"Breach of law (Code-Excl10)","page":34,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202#c-10-4"},{"clause":"11","heading":"Excluded Providers (Code-Excl11)","page":34,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202#c-11-4"},{"clause":"12","heading":null,"page":34,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202#c-12-4"},{"clause":"17","heading":"Sterility and Infertility (Code-Excl17)","page":34,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202#c-17-4"},{"clause":"18","heading":"Maternity: Code Excl18","page":35,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202#c-18-4"},{"clause":"10","heading":null,"page":35,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202#c-10-5"}],"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 the toll-free number, branches, website or email. The email route is Level 1 careforyou@bajajgeneral.com or seniorcitizen@bajajgeneral.com, Level 2 ggro@bajajgeneral.com, and Level 3 missed call +91 80809 45060 or SMS to 575758 before approaching the Insurance Ombudsman.","display":"Level 1: careforyou@bajajgeneral.com / seniorcitizen@bajajgeneral.com; Level 2: ggro@bajajgeneral.com; Level 3: missed call +91 80809 45060 or SMS to 575758","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":"17","heading":"Grievance Redressal Procedure","page":41,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202#c-17-5"},{"clause":"17(a)","heading":"Level 1","page":42,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202#c-17-a"},{"clause":"17(b)","heading":"Level 2","page":42,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202#c-17-b"},{"clause":"17(c)","heading":"Level 3","page":42,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202#c-17-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 points to the Certificate of Insurance or policy schedule for the Sum Insured, but does not state 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":30},"display":"30 days","note":"This may be waived if the optional cover Waiver of “Initial 30 days Waiting Period” is opted.","quote":"Expenses related to the treatment of any Illness within 30 days from the first Certificate of Insurance commencement date shall be excluded except claims arising due to an Accident, provided the same are covered.","sources":[{"clause":"2(a)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202#c-2-a-2"}],"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":"quote-verified","value":{"unit":"months","amount":36},"display":"36 months","note":"If the optional Change in Pre-existing Disease Waiting Period cover is opted, the options are No Waiting, 12 months or 24 months.","quote":"Expenses related to the treatment of a Pre-Existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months or as per the Option opted and specified on the Certificate of Insurance of continuous coverage after the date of inception of the first Flexi Health Protect Plan (Group) and the Certificate of Insurance with Us. ... Option 1. No Waiting Option 2. 12 months Option 3. 24 months","sources":[{"clause":"1(a)","heading":null,"page":32,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202#c-1-a-3"},{"clause":null,"heading":"Options for Waiting Periods","page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3200#c-options-for-waiting-periods-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"quote-verified","value":{"unit":"months","amount":24},"display":"24 months","note":"If the optional Change in Specified Disease Waiting Period cover is opted, the options are No Waiting, 12 months or 36 months.","quote":"Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 24 months or as per the Option opted and specified on the Certificate of Insurance of continuous coverage after the date of inception of the first Flexi Health Protect Plan (Group) and the Certificate of Insurance with Us. ... Option 1. No Waiting Option 2. 12 months Option 3. 36 months","sources":[{"clause":"2(a)","heading":null,"page":32,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202#c-2-a"},{"clause":null,"heading":"Options for Waiting Periods","page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3200#c-options-for-waiting-periods"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"quote-verified","value":["Any type gastrointestinal ulcers","Cataracts","Any type of fistula","Macular Degeneration","Benign prostatic hypertrophy","Hernia of all types","All types of sinuses","Fissure in ano","Hemorrhoids, piles","Hydrocele","Dysfunctional uterine bleeding","Fibromyoma","Endometriosis","Hysterectomy","Uterine Prolapse","Stones in the urinary and biliary systems","Surgery on ears/tonsils/ adenoids/ paranasal sinuses","Surgery on all internal or external tumors/cysts/ nodules/polyps of any kind including breast lumps.","Mental Illness","Diseases of gall bladder including cholecystitis","Pancreatitis","All forms of Cirrhosis","Gout and rheumatism","Tonsillitis","Surgery for varicose veins and varicose ulcers","Chronic Kidney Disease","Alzheimer’s Disease","Joint replacement surgery,","Surgery for vertebral column disorders (unless necessitated due to an Accident)","Surgery to correct deviated nasal septum","Hypertrophied turbinate","Congenital internal diseases or anomalies","Treatment for correction of eye sight due to refractive error recommended by Ophthalmologist for medical reasons with refractive error greater or equal to 7.5","Bariatric Surgery","Parkinson’s Disease","Genetic disorders"],"display":"The listed specific diseases/procedures include cataracts, hernia, fissure, piles, hysterectomy, stones, ENT surgery, tumors/cysts/polyps, mental illness, gall bladder disease, pancreatitis, cirrhosis, gout and rheumatism, varicose veins, chronic kidney disease, Alzheimer’s disease, joint replacement, vertebral column disorders, deviated nasal septum, congenital internal diseases, refractive error treatment, bariatric surgery, Parkinson’s disease and genetic disorders.","note":"The clause adds: * List of Mental Illness and ICD codes as per Annexure IV.","quote":"List of specific diseases/procedures is as below:\n1. Any type gastrointestinal ulcers | 2. Cataracts,\n3. Any type of fistula | 4. Macular Degeneration\n5. Benign prostatic hypertrophy | 6. Hernia of all types\n7. All types of sinuses | 8. Fissure in ano\n9. Hemorrhoids, piles | 10. Hydrocele\n11. Dysfunctional uterine bleeding | 12. Fibromyoma\n13. Endometriosis | 14. Hysterectomy\n15. Uterine Prolapse | 16. Stones in the urinary and biliary systems\n17. Surgery on ears/tonsils/ adenoids/ paranasal sinuses | 18. Surgery on all internal or external tumors/cysts/ nodules/polyps of any kind including breast lumps.\n19. Mental Illness* | 20. Diseases of gall bladder including cholecystitis\n21. Pancreatitis | 22. All forms of Cirrhosis\n23. Gout and rheumatism | 24. Tonsillitis\n25. Surgery for varicose veins and varicose ulcers | 26. Chronic Kidney Disease\n27. Alzheimer’s Disease | 28. Joint replacement surgery,\n29. Surgery for vertebral column disorders (unless necessitated due to an Accident) | 30. Surgery to correct deviated nasal septum\n31. Hypertrophied turbinate | 32. Congenital internal diseases or anomalies\n33. Treatment for correction of eye sight due to refractive error recommended by Ophthalmologist for medical reasons with refractive error greater or equal to 7.5 | 34. Bariatric Surgery\n35. Parkinson’s Disease | 36. Genetic disorders","sources":[{"clause":"2(f)","heading":null,"page":32,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202#c-2-f"}],"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":"For enhanced sum insured, completion of sixty continuous months applies from the date of enhancement only on 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":"12","heading":"Moratorium Period","page":40,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202#c-12-6"}],"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. If continuously covered without lapses under an Indian general or health insurer, accrued continuity benefits in waiting periods are available as per IRDAI portability guidelines.","display":"Can port to other insurers; apply at least 30 days before but not earlier than 60 days from renewal date, with accrued waiting-period continuity benefits if continuously covered without lapses.","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":"9","heading":"Portability","page":40,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202#c-9-6"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"not-stated","value":null,"display":null,"note":"The wording says the policy is renewable except on specified grounds, but does not state lifelong renewal or no maximum renewal age.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"quote-verified","value":"The insurer shall not deny renewal because the insured made claims in preceding policy years, except for benefit-based policies that terminate after payment. Renewal premium loadings are at portfolio level and not based on individual policy claim experience.","display":"No individual claim-based loading; renewal loadings are at portfolio level.","note":null,"quote":"We shall not deny the renewal of this policy on the ground that You have made a claim or claims in the preceding policy years, except for benefit based policies where the policy terminates following payment of the benefit covered under the policy like critical illness policy. ... 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":"6(ii)","heading":null,"page":39,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202#c-6-ii"},{"clause":"6(iv)","heading":null,"page":39,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202#c-6-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":["Investigation & Evaluation (Code-Excl04)","Rest Cure, rehabilitation and respite care (Code-Excl05)","Obesity/Weight Control (Code-Excl06)","Change-of-gender treatments (Code-Excl07)","Cosmetic or plastic Surgery (Code-Excl08)","Hazardous or Adventure sports: (Code- Excl09)","Breach of law (Code-Excl10)","Excluded Providers (Code-Excl11)","Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof.","Treatments received in heath hydro’s, nature cure clinics, spas or similar establishments","Dietary supplements and substances that can be purchased without prescription","Refractive Error (Code-Excl15)","Unproven Treatments (Code-Excl16)","Sterility and Infertility (Code-Excl17)","Maternity: Code Excl18","Any dental treatment that comprises of cosmetic surgery, dentures, dental prosthesis, dental implants, orthodontics, surgery of any kind unless as a result of Injury to natural teeth and also requiring Hospitalisation.","Any treatment received outside India is not covered under this Certificate of Insurance."],"display":"Permanent exclusions include Excl04 to Excl18 and specific exclusions such as cosmetic dental treatment and treatment outside India.","note":"Some exclusions are modified only if a relevant optional cover is opted.","quote":"Investigation & Evaluation (Code-Excl04) ... Rest Cure, rehabilitation and respite care (Code-Excl05) ... Obesity/Weight Control (Code-Excl06) ... Change-of-gender treatments (Code-Excl07) ... Cosmetic or plastic Surgery (Code-Excl08) ... Hazardous or Adventure sports: (Code- Excl09) ... Breach of law (Code-Excl10) ... Excluded Providers (Code-Excl11) ... Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. ... Treatments received in heath hydro’s, nature cure clinics, spas or similar establishments ... Dietary supplements and substances that can be purchased without prescription ... Refractive Error (Code-Excl15) ... Unproven Treatments (Code-Excl16) ... Sterility and Infertility (Code-Excl17) ... Maternity: Code Excl18 ... Any dental treatment that comprises of cosmetic surgery, dentures, dental prosthesis, dental implants, orthodontics, surgery of any kind unless as a result of Injury to natural teeth and also requiring Hospitalisation. ... Any treatment received outside India is not covered under this Certificate of Insurance.","sources":[{"clause":"4","heading":"Investigation & Evaluation (Code-Excl04)","page":33,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202#c-4-3"},{"clause":"5","heading":"Rest Cure, rehabilitation and respite care (Code-Excl05)","page":33,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202#c-5-4"},{"clause":"6","heading":"Obesity/Weight Control (Code-Excl06)","page":33,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202#c-6-4"},{"clause":"7","heading":"Change-of-gender treatments (Code-Excl07)","page":34,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202#c-7-4"},{"clause":"8","heading":"Cosmetic or plastic Surgery (Code-Excl08)","page":34,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202#c-8-4"},{"clause":"9","heading":"Hazardous or Adventure sports: (Code- Excl09)","page":34,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202#c-9-4"},{"clause":"10","heading":"Breach of law (Code-Excl10)","page":34,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202#c-10-4"},{"clause":"11","heading":"Excluded Providers (Code-Excl11)","page":34,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202#c-11-4"},{"clause":"12","heading":null,"page":34,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202#c-12-4"},{"clause":"13","heading":null,"page":34,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202#c-13-4"},{"clause":"14","heading":null,"page":34,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202#c-14-4"},{"clause":"15","heading":"Refractive Error (Code-Excl15)","page":34,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202#c-15-4"},{"clause":"16","heading":"Unproven Treatments (Code-Excl16)","page":34,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202#c-16-4"},{"clause":"17","heading":"Sterility and Infertility (Code-Excl17)","page":34,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202#c-17-4"},{"clause":"18","heading":"Maternity: Code Excl18","page":35,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202#c-18-4"},{"clause":"1","heading":null,"page":35,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202#c-1-6"},{"clause":"10","heading":null,"page":35,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202#c-10-5"}],"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 annual policies and instalment policies, the premium refund for the unexpired risk period is on a pro-rata basis if no claim has been made during the policy year; short term policies have no premium refund, and medical examination expenses may be deducted.","display":"7 days' written notice; pro-rata refund of unexpired period if no claim; no premium refund for short term policies; medical examination expenses may be deducted.","note":"For multi-year policies, future policy years where risk has not started are refunded without deduction, and active policy years are pro-rata if no claim has been made.","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:\n1. Cancellation of policy where full premium received at policy inception -\n• 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. ... 2. Cancellation of policy where Premium Received on Instalment Basis 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. ... (C)Short term policies: No premium refund","sources":[{"clause":"7","heading":"Cancellation","page":39,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202#c-7-7"}],"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":"All medical treatment for the certificate of insurance must be taken in India only, except medical expenses for treatment outside India are covered if Optional Cover- International Cover- emergency Care only is opted.","display":"India only; outside India only if Optional Cover- International Cover- emergency Care only is opted.","note":"The optional international cover is for emergency care only.","quote":"All medical treatment for the purpose of the Certificate of Insurance will have to be taken in India only.\niii. We cover Medical Expenses for treatment availed outside India only if opted for Optional Cover- International Cover- emergency Care only.","sources":[{"clause":null,"heading":"31. Governing Laws, Territorial Jurisdiction and Territorial Limit","page":44,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202#c-31-governing-laws-territorial-jurisdiction-and-t"}],"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":"Free look applies 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":"18","heading":"Free Look Period","page":42,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202#c-18-5"}],"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 mode; 30 days in all other cases","note":"The duration value uses the shortest stated grace period; for quarterly, half-yearly or annual modes the grace period is 30 days.","quote":"The Grace period for payment of the premium for all types of insurance policies shall be: fifteen days (15) where premium payment mode is monthly and thirty days (30) in all other cases.","sources":[{"clause":"18","heading":"Grace Period","page":3,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202#c-18"}],"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":"not-stated","value":null,"display":null,"note":"The wording defines age and dependent child limits, but does not state the youngest and oldest entry age for buying the policy.","quote":null,"sources":[],"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":38,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202#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":"Coverage is not available for the period for which no premium is received. However, if premium is paid in instalments during the policy period, coverage will be available for the grace period also.","display":"No cover for period with no premium received; instalment premiums have cover during grace period.","note":"Continuity benefits are protected if renewal or instalment premium is paid within the stipulated grace period.","quote":"Coverage is not available for the period for which no premium is received. ... If the premium is paid in instalments during the policy period, coverage will be available for the grace period also.","sources":[{"clause":"18","heading":"Grace Period","page":3,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202#c-18"},{"clause":"3","heading":"Premium Payment in Installments","page":38,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202#c-3-5"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"Daily room limit, if any.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Childbirth cover and any waiting period.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"ped_cover_group","label":"Pre-existing diseases","section":"Waiting periods","meaning":"Whether pre-existing diseases are covered from day one for the group.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Flexi Guard (Group) Policy Wordings","pages":26,"fetched_at":"2026-10-17 19:43:02+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/health-insurance/Health-PW/Flexi-Guard(Group)-Optional-Cover_PW.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3200"},{"kind":"wording","label":"Flexi Guard (Group) Policy Wordings","pages":75,"fetched_at":"2026-10-17 19:42:59+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/health-insurance/Health-PW/Flexi-Guard(Group)-Base-Cover_PW.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3202"},{"kind":"cis","label":"Flexi Guard (Group) Customer Information Sheet","pages":14,"fetched_at":"2026-10-17 19:38:56+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/health-insurance/Health-CIS/Flexi-Guard(Group)_CIS.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425/document/3097"}],"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":"Flexi Guard (Group) (UIN BAJHLGP25018V012425), IndiaInsurances, https://indiainsurances.com/policy/bajaj-general-insurance/flexi-guard-group-bajhlgp25018v012425"}