{"uin":"BAJHLIP15002V011415","name":"Comprehensive Care Plan","url":"https://indiainsurances.com/policy/bajaj-general-insurance/comprehensive-care-plan-bajhlip15002v011415","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":"Comprehensive Care Plan is a group policy with critical illness, accident protection and EMI payment covers, with optional fire/allied perils and burglary/robbery covers. The printed health waiting period is 90 days for critical illness and EMI payment cover, with a 30 day free-look period and entry age of 18 years to 65 Years.","analysis":{"state":"machine","analysed_at":"2026-10-19 19:01:37.841373+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"The documents describe Cover A and optional Cover B, but do not name plan variants.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"Policy Period is defined by start and end dates in the Schedule, but no fixed policy term is printed.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Critical illness claims must be intimated within 30 days of first diagnosis, surgical procedure or medical event. Accident claims must be intimated within 7 days, EMI payment claims within 30 days of termination from employment, burglary/robbery claims immediately and within 15 days, and fire/allied peril losses require immediate notice.","display":"Critical illness: 30 days; accident: 7 days; EMI payment: 30 days; burglary/robbery: immediately and within 15 days; fire/allied perils: immediate notice","note":null,"quote":"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 ... the Injury as described above shall be intimated to the Company within seven (7) days from the date of its occurrence. ... the Insured Event as described above shall be intimated by the Insured to the Company within thirty (30) days from the date of termination from employment of the Insured ... the Insured shall immediately and in any event within fifteen (15) days give written notice of the same to the address shown in the Schedule for this purpose ... As soon as any physical loss or damage occurs to Your Home Building or Home Contents due to an Insured Event, You must immediately give notice to Us of the loss or damage.","sources":[{"clause":"1","heading":null,"page":16,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/comprehensive-care-plan-bajhlip15002v011415/document/3174#c-1-11"},{"clause":null,"heading":"31. CLAIM SETTLEMENT PROCESS APPLICABLE TO SECTION 2","page":16,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/comprehensive-care-plan-bajhlip15002v011415/document/3174#c-31-claim-settlement-process-applicable-to-sectio"},{"clause":null,"heading":"32. CLAIM SETTLEMENT PROCESS APPLICABLE TO SECTION 3","page":17,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/comprehensive-care-plan-bajhlip15002v011415/document/3174#c-32-claim-settlement-process-applicable-to-sectio"},{"clause":"5(a)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/comprehensive-care-plan-bajhlip15002v011415/document/3174#c-5-a-3"},{"clause":null,"heading":"1. Immediate notice to Us","page":26,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/comprehensive-care-plan-bajhlip15002v011415/document/3174#c-1-immediate-notice-to-us"}],"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","Claim Form duly signed by the insured","Copy of Discharge Summary / Discharge Certificate","Copy of Final Hospital Bill","Policy copy","First consultation letter for Illness","Investigation Reports","NEFT details & cancelled cheque","Attested copy of Death Certificate","Attested copy of FIR / Final Police report","Attested Disability Certificate","Certificate from the employer","Certificate, if applicable, from the Bank"],"display":"Doctor certificate, claim form, discharge summary/certificate, final hospital bill, policy copy, first consultation letter, investigation reports, NEFT/cancelled cheque, death/FIR/disability documents where applicable, employer certificate and bank certificate where applicable","note":"The required documents vary by the cover claimed.","quote":"Certificate from the attending Doctor of the Insured confirming, inter alia, ... Claim Form duly signed by the insured; ... Copy of Discharge Summary / Discharge Certificate; ... Copy of Final Hospital Bill ... Policy copy ... First consultation letter for Illness ... All required Investigation Reports as per the Illness (If required) ... NEFT details & cancelled cheque ... Attested copy of Death Certificate. ... Attested copy of FIR / Final Police report. ... Attested Disability Certificate from government authority confirming the extent and nature of disability; ... Certificate from the employer of the Insured confirming the termination from employment of the Insured ... Certificate, if applicable, from the Bank stating pertinent details of Insured’s Loan","sources":[{"clause":"2","heading":null,"page":16,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/comprehensive-care-plan-bajhlip15002v011415/document/3174#c-2-10"},{"clause":"5(c)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/comprehensive-care-plan-bajhlip15002v011415/document/3174#c-5-c"},{"clause":"5(f)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/comprehensive-care-plan-bajhlip15002v011415/document/3174#c-5-f"},{"clause":"5(j)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/comprehensive-care-plan-bajhlip15002v011415/document/3174#c-5-j"},{"clause":"5(b)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/comprehensive-care-plan-bajhlip15002v011415/document/3174#c-5-b-2"},{"clause":"5(c)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/comprehensive-care-plan-bajhlip15002v011415/document/3174#c-5-c-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["arising within the first 90 days of the commencement of the Policy Period","Acts of Terrorism","War, war-like operations","ionizing radiation or contamination by radioactivity","nuclear weapon materials","breach of the law with criminal intent","deliberate or intentional acts of the insured","usage, consumption or abuse of alcohol and/or drugs","self-destruction or self inflicted injury, attempted suicide or suicide","Any sexually transmitted diseases. Acquired Immune Deficiency Syndrome (AIDS)","pregnancy or treatment traceable to pregnancy and childbirth","Any Insured Event arising on account of or in connection with any Pre-Existing Disease","adventure sports","termination from employment of the Insured being attributed to any dishonesty or fraud or poor performance"],"display":"90 day waiting period for Critical Illness, terrorism, war, radiation/nuclear, criminal breach, intentional acts, alcohol/drugs, self-harm/suicide, sexually transmitted diseases/AIDS/HIV, pregnancy/childbirth/infertility/IVF, pre-existing disease, adventure sports and specified unemployment exclusions","note":null,"quote":"arising within the first 90 days of the commencement of the Policy Period. ... 1) Acts of Terrorism: ... 2) War, war-like operations ... 3) Directly or indirectly caused by or contributed to by or arising from ionizing radiation or contamination by radioactivity ... 4) Directly or indirectly caused by or contributed to by or arising from nuclear weapon materials. ... 5) Arising or resulting from the Insured committing any breach of the law with criminal intent. ... 6) Any loss or damage resulting from deliberate or intentional acts of the insured ... 7) Directly or indirectly caused by or contributed to by or arising out of usage, consumption or abuse of alcohol and/or drugs. ... 8) Arising out of or as a result of any act of self-destruction or self inflicted injury, attempted suicide or suicide. ... 9) Any sexually transmitted diseases. Acquired Immune Deficiency Syndrome (AIDS) ... 11) Arising out of or resulting directly or indirectly due to or as a consequence of pregnancy or treatment traceable to pregnancy and childbirth ... Any Insured Event arising on account of or in connection with any Pre-Existing Disease. ... adventure sports including but not limited to winter sports, skydiving/ parachuting ... termination from employment of the Insured being attributed to any dishonesty or fraud or poor performance","sources":[{"clause":"2(I)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/comprehensive-care-plan-bajhlip15002v011415/document/3174#c-2-i"},{"clause":"1","heading":"GENERAL EXCLUSIONS APPLICABLE TO THIS POLICY","page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/comprehensive-care-plan-bajhlip15002v011415/document/3174#c-1-9"},{"clause":"2(II)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/comprehensive-care-plan-bajhlip15002v011415/document/3174#c-2-ii"},{"clause":"3(I)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/comprehensive-care-plan-bajhlip15002v011415/document/3174#c-3-i"},{"clause":"4(II)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/comprehensive-care-plan-bajhlip15002v011415/document/3174#c-4-ii"}],"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":"The first route is the insurer's customer touchpoints, then Level 1 email careforyou@bajajgeneral.com or seniorcitizen@bajajgeneral.com, and Level 2 to the Grievance Redressal Officer at ggro@bajajgeneral.com before escalation.","display":"Level 1: careforyou@bajajgeneral.com or seniorcitizen@bajajgeneral.com; Level 2: ggro@bajajgeneral.com; Level 3: missed call +91 80809 45060 or SMS 575758","note":null,"quote":"Level 1: Write to careforyou@bajajgeneral.com and for senior citizens to seniorcitizen@bajajgeneral.com ... 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 ... 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","sources":[{"clause":"15(a)","heading":"Level 1","page":13,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/comprehensive-care-plan-bajhlip15002v011415/document/3174#c-15-a"},{"clause":"15(b)","heading":"Level 2","page":13,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/comprehensive-care-plan-bajhlip15002v011415/document/3174#c-15-b"},{"clause":"15(c)","heading":"Level 3","page":13,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/comprehensive-care-plan-bajhlip15002v011415/document/3174#c-15-c"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"not-stated","value":null,"display":null,"note":"The documents refer to the Sum Insured stated in the Schedule, but do not print selectable sum insured options.","quote":null,"sources":[],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"quote-verified","value":{"unit":"days","amount":90},"display":"90 days for Critical Illness Cover and EMI Payment Cover","note":"The 90 day waiting period is printed for Section 1 Critical Illness Cover and Section 3 EMI Payment Cover.","quote":"arising within the first 90 days of the commencement of the Policy Period. ... Unemployment at the time of inception of the Policy Period or arising within the first ninety (90) days of inception of the Policy Period.","sources":[{"clause":"2(I)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/comprehensive-care-plan-bajhlip15002v011415/document/3174#c-2-i"},{"clause":"4(I)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/comprehensive-care-plan-bajhlip15002v011415/document/3174#c-4-i"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"not-applicable","value":null,"display":null,"note":"Pre-existing disease is excluded for the relevant critical illness and accident benefits 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"}]},{"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-applicable","value":null,"display":null,"note":"This product does not cover hospital treatment costs for named illnesses or procedures; it has a critical illness waiting period instead.","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-applicable","value":null,"display":null,"note":"There is no specific waiting-period list for hospital treatments; the policy lists critical illnesses covered under the fixed-benefit section.","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":"For enhanced sums insured, sixty continuous months runs 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":"12","heading":"Moratorium Period","page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/comprehensive-care-plan-bajhlip15002v011415/document/3174#c-12-4"}],"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 renewal date, with accrued continuity benefits in waiting periods as per IRDAI guidelines.","display":"Porting allowed to other insurers; apply at least 30 days before and not earlier than 60 days from renewal; waiting-period continuity benefits apply","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 ... the proposed Insured Beneficiary will get the accrued continuity benefits in waiting periods as per IRDAI guidelines on Portability.","sources":[{"clause":"2(e)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/comprehensive-care-plan-bajhlip15002v011415/document/3174#c-2-e"}],"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 policy says renewal shall not be denied 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":"Renewal premium loading is at portfolio level and not based on individual policy claim experience; premium discount may be given for good claims experience.","display":"Portfolio-level loading only, not individual claim-based","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":"11(iv)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/comprehensive-care-plan-bajhlip15002v011415/document/3174#c-11-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":["Acts of Terrorism","War, war-like operations","ionizing radiation or contamination by radioactivity","nuclear weapon materials","breach of the law with criminal intent","deliberate or intentional acts of the insured","usage, consumption or abuse of alcohol and/or drugs","self-destruction or self inflicted injury, attempted suicide or suicide","Any sexually transmitted diseases. Acquired Immune Deficiency Syndrome (AIDS)","pregnancy or treatment traceable to pregnancy and childbirth","serving in any branch of the Military or Armed Forces of any country during war or warlike operations","Treatment for any other system other than modern medicine (allopathy) and AYUSH therapies","Any congenital anomaly including internal and external congenital anomaly","Birth control procedures and hormone replacement therapy","Any treatment/ surgery for change of sex or any cosmetic surgery"],"display":"Terrorism, war, radiation/nuclear, criminal breach, deliberate acts, alcohol/drugs, self-harm/suicide, sexually transmitted diseases/AIDS/HIV, pregnancy/childbirth/infertility/IVF, military service in war, non-allopathy/non-AYUSH systems, congenital anomalies, birth control/HRT, sex change/cosmetic treatment","note":"The policy does not print IRDAI Excl04 to Excl18 codes; the list uses the policy's own permanent exclusions.","quote":"1) Acts of Terrorism: ... 2) War, war-like operations ... 3) Directly or indirectly caused by or contributed to by or arising from ionizing radiation or contamination by radioactivity ... 4) Directly or indirectly caused by or contributed to by or arising from nuclear weapon materials. ... 5) Arising or resulting from the Insured committing any breach of the law with criminal intent. ... 6) Any loss or damage resulting from deliberate or intentional acts of the insured ... 7) Directly or indirectly caused by or contributed to by or arising out of usage, consumption or abuse of alcohol and/or drugs. ... 8) Arising out of or as a result of any act of self-destruction or self inflicted injury, attempted suicide or suicide. ... 9) Any sexually transmitted diseases. Acquired Immune Deficiency Syndrome (AIDS) ... 11) Arising out of or resulting directly or indirectly due to or as a consequence of pregnancy or treatment traceable to pregnancy and childbirth ... 12) Arising out of or resulting directly or indirectly while serving in any branch of the Military or Armed Forces of any country during war or warlike operations. ... 13) Treatment for any other system other than modern medicine (allopathy) and AYUSH therapies ... Any congenital anomaly including internal and external congenital anomaly. ... Birth control procedures and hormone replacement therapy. ... Any treatment/ surgery for change of sex or any cosmetic surgery","sources":[{"clause":"1","heading":"GENERAL EXCLUSIONS APPLICABLE TO THIS POLICY","page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/comprehensive-care-plan-bajhlip15002v011415/document/3174#c-1-9"},{"clause":"2(II)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/comprehensive-care-plan-bajhlip15002v011415/document/3174#c-2-ii"}],"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. Premium for the unexpired policy period is refunded on a pro-rata basis if no claim has been made during the policy year, with no refund if the insurer cancels for misrepresentation, non-disclosure of material facts or fraud.","display":"7 days' written notice; pro-rata refund for unexpired period if no claim; no refund for fraud/non-disclosure/misrepresentation cancellation","note":null,"quote":"The Policyholder can cancel this Policy by providing a written notice of 7 days. In such a case, the Company will refund the premium for the unexpired policy period as detailed below: ... The premium refund for the unexpired risk period will be on a pro-rata basis, provided no claim has been made during the policy year. ... There will be no refund of premium for cancellations on these grounds.","sources":[{"clause":"14","heading":"Cancellation","page":13,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/comprehensive-care-plan-bajhlip15002v011415/document/3174#c-14-4"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"The policy covers insured events within India, except Section 2 Accident Protection Cover covers accidental bodily injuries anywhere in the world subject to Indian Government travel and other restrictions. Payment is within India and in Indian Rupees only.","display":"India, except Accident Protection Cover worldwide; payment within India in Indian Rupees","note":null,"quote":"This Policy covers insured events arising during the Policy Period within India, save in respect of Section 2 (Accident Protection Cover) wherein Accidental Bodily Injuries sustained during the Policy Period anywhere in the World (subject to the travel and other restrictions that the Indian Government may impose) are covered. The Company's liability to make any payment shall be to make payment within India and in Indian Rupees only.","sources":[{"clause":null,"heading":"17. Territorial Limits","page":13,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/comprehensive-care-plan-bajhlip15002v011415/document/3174#c-17-territorial-limits"}],"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":"Applicable on new individual health insurance policies and not on renewals or porting/migration.","quote":"The insured person shall be allowed free look period of thirty days from date of receipt of the policy document to review the terms and conditions of the policy, and to return the same if not acceptable.","sources":[{"clause":"13","heading":"Free Look Period","page":13,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/comprehensive-care-plan-bajhlip15002v011415/document/3174#c-13-4"}],"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":30},"display":"30 days at renewal; 15 days for monthly premium mode and 30 days in all other cases","note":"The renewal clause prints 30 days; the grace-period definition gives 15 days for monthly premium payment mode and 30 days in all other cases.","quote":"We shall condone a delay in renewal up to the Grace Period (30 days) from the due date of renewal without considering such condonation as a Break in Policy. ... fifteen days where premium payment mode is monthly and thirty days in all other cases.","sources":[{"clause":"11(iii)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/comprehensive-care-plan-bajhlip15002v011415/document/3174#c-11-iii"},{"clause":"16","heading":"Grace Period","page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/comprehensive-care-plan-bajhlip15002v011415/document/3174#c-16"}],"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":"16. Eligible Entry Age Limit : 18 years to 65 Years","sources":[{"clause":"Section E","heading":"GENERAL CONDITIONS APPLICABLE TO THIS POLICY- SPECIFIC TERMS AND CLAUSES","page":13,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/comprehensive-care-plan-bajhlip15002v011415/document/3174#c-section-e-2"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"not-stated","value":null,"display":null,"note":"The grace-period definition refers to monthly and other premium payment modes, but the product's allowed premium payment options are not listed.","quote":null,"sources":[],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"quote-verified","value":["Fire and Allied Perils Cover","Burglary & Robbery Cover"],"display":"Cover B optional: Fire and Allied Perils Cover; Burglary & Robbery Cover","note":"The base wording also attaches Bharat Griha Raksha terms for the Fire and Allied Perils section.","quote":"Cover B (Optional):\n1. Fire and Allied Perils Cover: Coverage under this Cover B Section 4 shall be as per Bajaj General Insurance Limited Bharat Griha Raksha Policy Wordings. 2. Burglary & Robbery Cover:","sources":[{"clause":null,"heading":"CUSTOMER INFORMATION SHEET","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/comprehensive-care-plan-bajhlip15002v011415/document/3063#c-customer-information-sheet"}],"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 need not be available during the period for which no premium is received. However, the insurer shall offer coverage during the grace period if the premium is paid in instalments during the policy period.","display":"Coverage need not be available unless premium is paid in instalments during the policy period","note":null,"quote":"Coverage need not be available during the period for which no premium is received. The grace period for payment of the premium for all types of insurance policies shall be: fifteen days where premium payment mode is monthly and thirty days in all other cases. Provided the insurers shall offer coverage during the grace period, if the premium is paid in instalments during the policy period.","sources":[{"clause":"16","heading":"Grace Period","page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/comprehensive-care-plan-bajhlip15002v011415/document/3174#c-16"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"Daily room limit, if any.","status":"not-applicable","value":null,"display":null,"note":"The product does not reimburse hospital room bills; it pays fixed benefits for critical illness, accident protection and EMI payment.","quote":null,"sources":[],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Childbirth cover and any waiting period.","status":"quote-verified","value":"No. Claims arising out of pregnancy, childbirth, abortion, infertility treatment and invitro fertilization are excluded.","display":"No; pregnancy, childbirth, abortion, infertility and invitro fertilization are excluded","note":null,"quote":"Arising out of or resulting directly or indirectly due to or as a consequence of pregnancy or treatment traceable to pregnancy and childbirth, abortion and its consequences, tests and treatment relating to infertility and invitro fertilization.","sources":[{"clause":"1","heading":"GENERAL EXCLUSIONS APPLICABLE TO THIS POLICY","page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/comprehensive-care-plan-bajhlip15002v011415/document/3174#c-1-9"}],"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-applicable","value":null,"display":null,"note":"The base health benefits are fixed benefits and do not pay hospital treatment bills directly to a hospital.","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":"quote-verified","value":"Claims are intimated and documents are submitted to the Company.","display":"Company","note":"The documents do not name a TPA for claim handling.","quote":"the Insured Event as described above shall be intimated to the Company ... the Insured shall arrange for submission of the following documents to the Company:","sources":[{"clause":"1","heading":null,"page":16,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/comprehensive-care-plan-bajhlip15002v011415/document/3174#c-1-11"},{"clause":"2","heading":null,"page":16,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/comprehensive-care-plan-bajhlip15002v011415/document/3174#c-2-10"}],"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":"The documents mention family members for portability, but do not state that a family floater sum insured is available.","quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Comprehensive Care Plan Policy Wordings","pages":30,"fetched_at":"2026-10-17 19:42:02+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/health-insurance/Health-PW/Comprehensive-Care-Plan_PW.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/comprehensive-care-plan-bajhlip15002v011415/document/3174"},{"kind":"cis","label":"Comprehensive Care Plan Customer Information Sheet","pages":6,"fetched_at":"2026-10-17 19:37:53+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/health-insurance/Health-CIS/Comprehensive-Care-Plan_CIS.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/comprehensive-care-plan-bajhlip15002v011415/document/3063"}],"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":"Comprehensive Care Plan (UIN BAJHLIP15002V011415), IndiaInsurances, https://indiainsurances.com/policy/bajaj-general-insurance/comprehensive-care-plan-bajhlip15002v011415"}