{"uin":"BAJHLIP25040V012425","name":"HERizon Care","url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425","insurer":{"slug":"bajaj-general-insurance","name":"Bajaj General Insurance Limited","url":"https://indiainsurances.com/insurer/bajaj-general-insurance"},"line":"health","category":"critical-illness","category_name":"Critical illness","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"HERizon Care is an individual women's health policy from Bajaj General whose Vita Shield cover pays 100% of a sum insured of INR 3L to 2Cr on diagnosis of any of 34 listed critical illnesses, with wellness services and a free check-up every 3 years, or alternatively Cradle Care for a surrogate mother or oocyte donor. Optional covers for infertility, assisted reproduction, maternity, fetal care and prophylactic surgery carry a 24 month waiting period, legal expense support a 30 day one, and cover is India only.","analysis":{"state":"extracted","analysed_at":"2026-10-16 08:29:40.137037+00","note":"Every stated fact carries a verbatim quote found in the cited clause."},"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":"No named plans. The policy is built from covers: Vita Shield (critical illness), Cradle Care (Surrogacy or Oocyte Donor) and optional covers.","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":"cross-checked","value":"1, 2, 3, 4 or 5 years.","display":"1 to 5 years","note":"Surrogate Care cover is fixed at 36 months from initiation of treatment; Oocyte Donor cover runs up to 12 months.","quote":"Policy Tenure: 1 Year, 2 Years, 3 Year, 4 years, 5 years. ... The Policy tenure for this coverage is fixed at 36 months from the date of initiation of the treatment/procedure. ... The cover will be available for up to 12 months from the date of initiation of the treatment/procedure.","sources":[{"clause":null,"heading":"Optional Covers (Applicable to “Vita Shield” cover)","page":8,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/294#c-optional-covers-applicable-to-vita-shield-cover"},{"clause":"2(b)(iv)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/294#c-2-b-iv"},{"clause":"2(b)(vii)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/294#c-2-b-vii"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"cross-checked","value":"In writing within 48 hours of diagnosis of a listed critical illness or of emergency hospitalisation, and 48 hours before a planned hospitalisation.","display":"Within 48 hours of diagnosis or emergency admission; 48 hours before planned admission","note":"For cashless treatment, emergency admission must be intimated within 24 hours. Documents are due within 30 days of diagnosis or discharge. Delay may be waived in extreme hardship.","quote":"You or someone claiming on Your behalf must inform Us in writing immediately within 48 hours of diagnosis of any of the listed Critical Illnesses/48 hours of Hospitalisation in case of emergency Hospitalisation and 48 hours prior to Hospitalisation in case of planned Hospitalisation. ... In case of Emergency hospitalization, You/ Insured Person/ Insured’s representative shall intimate such admission within 24 hours of such hospitalization. ... must promptly and in any event within 30 days of diagnosis of any of the listed Critical Illnesses/within 30 days of discharge from a Hospital (if admitted) give Us the documentation","sources":[{"clause":"Section E(a)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/294#c-section-e-a-2"},{"clause":"Section E(d)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/294#c-section-e-d-2"},{"clause":"Section E(d)(iii)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/294#c-section-e-d-iii-2"}],"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":"cross-checked","value":["Claim Form duly signed by the insured along with NEFT Form signed by the Claimant","Aadhar card and PAN card Copies","Certificate from the attending Medical Practitioner of the Insured","Investigation reports and films supporting the diagnosis","Attested copy of disability certificate from Civil Surgeon of Government Hospital stating percentage of disability (if applicable)","Original Discharge Summary / Discharge Certificate","Original Final Hospital Bill","Any additional documents required for confirming the admissibility of claim"],"display":"Claim form and NEFT form, Aadhaar and PAN copies, doctor's certificate, investigation reports, discharge summary and final hospital bill","note":"Critical illness claims need the doctor's certificate and investigation reports; indemnity covers (Cradle Care, Nurture Nest, MotherHood) need the original discharge summary, final bill and investigation reports. Extensions have their own lists (school certificate for Children Education Bonus, appointment letter and pay slips for Loss of Job).","quote":"i. Claim Form duly signed by the insured along with NEFT Form signed by the Claimant. ii. Aadhar card and PAN card Copies (Not mandatory if the same is linked with the policy while issuance or in previous claim). iii. Any additional documents required for confirming the admissibility of claim. ... i) Certificate from the attending Medical Practitioner of the Insured confirming, inter alia, ... ii. Investigation reports and films supporting the diagnosis. iii. Attested copy of disability certificate from Civil Surgeon of Government Hospital stating percentage of disability (if applicable). ... i) Original Discharge Summary / Discharge Certificate. ii) Document supporting the details of treatment. iii) Original Final Hospital Bill.","sources":[{"clause":"Section E(d)(x)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/294#c-section-e-d-x"},{"clause":"1","heading":"Claim for Critical illness Cover","page":26,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/294#c-1-6"},{"clause":"7","heading":"Claim for Nurture Nest and MotherHood Covers","page":26,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/294#c-7-5"}],"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":"cross-checked","value":"Settled or rejected within 15 days from receipt of the last necessary document; where investigation is needed, it is completed within 30 days of the last document. Delay attracts interest at 2% above bank rate.","display":"15 days from the last necessary document","note":"CIS says: 'TAT for claim settlement:15 Working Days'. Cashless pre-authorisation within 1 hour and final discharge authorisation within 3 hours. The CIS says the policy document prevails in case of conflict.","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. ... not later than 30 days from the date of receipt of last necessary document ... at a rate 2% above the bank rate","sources":[{"clause":"6(i)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/294#c-6-i"},{"clause":"6(iii)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/294#c-6-iii"},{"clause":"6(iv)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/294#c-6-iv"}],"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":"cross-checked","value":["Treatment of any Illness within 30 days from the first policy commencement, except accidents (Excl03)","Vita Shield claims reported within the Waiting Period specified in the Policy Schedule","24 month waiting period for Nurture Nest, Motherhood, Fetal Flourish and Prophylactic Surgeries covers","Any illness or condition diagnosed or treated before the inception of the HERizon Care Policy","Investigation and Evaluation (Excl04)","Rest Cure, rehabilitation and respite care (Excl05)","Cosmetic or plastic Surgery (Excl08)","Hazardous or Adventure Sports (Excl09)","Alcoholism, drug or substance abuse (Excl12)","Sterility and Infertility (Excl17)","Maternity (Excl 18)","Occupational diseases","War, terrorism and similar perils","Any treatment received outside India","All non-medical Items as per Annexure III"],"display":"30-day illness wait, Vita Shield waiting period, conditions existing before the policy, standard exclusions (Excl04 to Excl18), treatment outside India, non-medical items","note":"Excl17 and Excl18 are waived up to the cover limits when Nurture Nest or MotherHood is bought; Excl04 is waived under Fetal Flourish. The Vita Shield waiting period does not apply to Multi trauma, Third degree Burns and Major Head Trauma.","quote":"30-daywaiting period (Excl03): a) Expenses related to the treatment of any Illness within 30 days from the first HERizon Care Policy commencement date shall be excluded except claims arising due to an accident ... Waiting Period of 24 month would apply from the date of risk inception Section C 3. B. Motherhood cover ... Any claim under Section C 1. Vita Shield benefit reported within the Waiting Period as specified in Policy Schedule from the date of commencement of the Policy is excluded. ... Any illness or conditions covered for which care, treatment, or advice was recommended by or received from a Physician, or which first manifested itself, was diagnosed before the inception of HERizon Care Policy ... 2. Occupational diseases. 3. War, whether war be declared or not ... 9. Any treatment received outside India is not covered under this Policy. ... 11. All non-medical Items as per Annexure III. ... Investigation and Evaluation (Code-Excl04) ... Rest Cure, rehabilitation and respite care (Code-Excl05) ... 5. Cosmetic or plastic Surgery (Excl08): ... Hazardous or Adventure Sports (Excl09) ... Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. (Excl12) ... Sterility and Infertility (Excl17) ... 15.Maternity (Excl 18): ... Waiting period of 24 month would apply from the date of risk inception of Section C 3. A. Nurture Nest cover ... Section C 3. C. Fetal Flourish cover ... Section C 3. D. Prophylactic Surgeries cover ... Maternity (Excl18) stands waived","sources":[{"clause":"5","heading":null,"page":17,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/294#c-5-4"},{"clause":"3","heading":null,"page":17,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/294#c-3-4"},{"clause":"1","heading":null,"page":17,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/294#c-1-4"},{"clause":"14(b)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/294#c-14-b"},{"clause":"Excl04","heading":"Investigation and Evaluation (Code-Excl04)","page":17,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/294#c-excl04"},{"clause":"Excl05","heading":"Rest Cure, rehabilitation and respite care (Code-Excl05)","page":17,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/294#c-excl05"},{"clause":"Excl05(a)(ii)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/294#c-excl05-a-ii"},{"clause":"6","heading":"Hazardous or Adventure Sports (Excl09)","page":18,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/294#c-6-3"},{"clause":"9","heading":null,"page":18,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/294#c-9-3"},{"clause":"14","heading":"Sterility and Infertility (Excl17)","page":18,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/294#c-14-3"},{"clause":"14(iv)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/294#c-14-iv"},{"clause":"11","heading":null,"page":18,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/294#c-11-3"},{"clause":"2","heading":null,"page":17,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/294#c-2-4"},{"clause":"4","heading":null,"page":17,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/294#c-4-4"},{"clause":"3(c)(iii)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/294#c-3-c-iii"}],"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":"cross-checked","value":"Write to careforyou@bajajgeneral.com (senior citizens: seniorcitizen@bajajgeneral.com), or use the toll-free number 1-800-209-5858, branches or the website; if not satisfied, write to the Grievance Redressal Officer at ggro@bajajgeneral.com.","display":"careforyou@bajajgeneral.com, then the Grievance Redressal Officer at ggro@bajajgeneral.com","note":"Level 3: missed call on +91 80809 45060 or SMS to 575758 for a care specialist. Then the Insurance Ombudsman.","quote":"Our toll-free number 1-800-209- 5858 or 020-30305858 ... 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","sources":[{"clause":"18","heading":"Grievance Redressal Procedure","page":22,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/294#c-18-3"},{"clause":"18(a)","heading":"Level 1","page":22,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/294#c-18-a"},{"clause":"18(b)","heading":"Level 2","page":22,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/294#c-18-b"}],"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":"cross-checked","value":"Critical Illness (Vita Shield) Sum Insured INR 3L, 5L, 7.5L, 10L, 15L, 20L, 25L, 50L, 1 crore or 2 crore, up to 10 times annual income.","display":"Critical illness: INR 3L/ 5L/ 7.5L/ 10L/ 15L/ 20L/ 25L/ 50L/ 1C and 2Cr","note":"Non-earning dependants: INR 10L or the primary insured's sum insured, whichever is lower; renewals at age 61 and above capped at INR 10L or expiring sum insured. Cradle Care: INR 50,000 or 1L. Nurture Nest, MotherHood, Prophylactic Surgeries: INR 1L/2L/3L; Fetal Flourish: INR 1L to 5L.","quote":"Sum Insured options INR 3L/ 5L/ 7.5L/ 10L/ 15L/ 20L/ 25L/ 50L/ 1C and 2Cr. • Max Sum Insured offered shall be 10 times of annual income. • Non- earning dependent members Sum Insured shall be restricted to INR10L OR Sum Insured opted for Primary Insured whichever is lower. ... Surrogacy Support | INR 50,000 / 1 L Indemnity based pay out. ... For renewals of age 61 years & above the maximum Sum Insured would be INR.10L or expiring Sum Insured whichever is lower.","sources":[{"clause":null,"heading":"Vita Shield","page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/294#c-vita-shield"},{"clause":null,"heading":"Cradle Care (Surrogacy OR Oocyte Donor Cover)","page":8,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/294#c-cradle-care-surrogacy-or-oocyte-donor-cover"}],"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":"cross-checked","value":{"unit":"days","amount":30},"display":"30 days for illness (Excl03); critical illness cover: 90/120/180/365 days as chosen","note":"The 30-day Excl03 period applies to treatment expenses (Cradle Care and indemnity covers) and not after more than twelve months of continuous coverage. Vita Shield critical illness claims carry a waiting period of 90, 120, 180 or 365 days as specified in the Policy Schedule (not for Multi trauma, Third degree Burns, Major Head Trauma). Cradle Care and Legal Expense Support: 30 days.","quote":"30-daywaiting period (Excl03): a) Expenses related to the treatment of any Illness within 30 days from the first HERizon Care Policy commencement date shall be excluded except claims arising due to an accident ... Waiting period- 90/120/180/365 days. ... b) This exclusion shall not, however apply if the Insured Person has Continuous Coverage for more than twelve months.","sources":[{"clause":"5","heading":null,"page":17,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/294#c-5-4"},{"clause":null,"heading":"Vita Shield","page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/294#c-vita-shield"}],"law":[]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"not-stated","value":null,"display":null,"note":"No named-illness waiting list. Optional covers (Nurture Nest, MotherHood, Fetal Flourish, Prophylactic Surgeries) each carry a 24 month waiting period from when the cover is opted.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"not-stated","value":null,"display":null,"note":"No named-illness waiting list; the 24 month waiting periods apply to whole optional covers.","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":"cross-checked","value":{"unit":"months","amount":60},"display":"60 months","note":"For an enhanced sum insured, the 60 months run from the date of enhancement on the enhanced part.","quote":"After completion of sixty continuous months of coverage (including portability and migration) no look back would be applied. ... After the expiry of Moratorium Period no claim under this Policy shall be contestable except for proven fraud and permanent exclusions specified in the Policy contract.","sources":[{"clause":"11","heading":"Moratorium Period","page":21,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/294#c-11-4"}],"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":"cross-checked","value":"Yes. The whole policy can be ported to another insurer by applying at least 30 days (not earlier than 60 days) before renewal, with accrued continuity benefits in waiting periods.","display":"Yes, apply 30 to 60 days before renewal; waiting-period credit carried over","note":null,"quote":"The Insured Person 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 Person will get the accrued continuity benefits in waiting periods","sources":[{"clause":"10","heading":"Portability","page":21,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/294#c-10-4"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"cross-checked","value":true,"display":"Yes","note":"Lifetime renewal is from the sales brochure; the wording names no maximum age. After a critical illness claim is paid, the policy ceases for that member at renewal. Renewals at age 61 and above: sum insured capped at INR 10L. The brochure adds that the maximum renewal age for optional covers is as mentioned under age eligibility.","quote":"Your Policy shall be renewable except on grounds of established fraud or non-disclosure or misrepresentation by You ... lifetime renewal benefit is available under the policy except on the grounds of fraud, ... The maximum renewal age for optional covers is as mentioned under age eligibility.","sources":[{"clause":"7(i)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/294#c-7-i"},{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/296#c-s1"}],"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":"cross-checked","value":"No. Renewal loadings are at portfolio level, not based on an individual policy's claims; renewal is not denied because of claims.","display":"No claim-based loading","note":"A discount may be given for good claims experience. Renewal can end for benefit covers that terminate on payment, such as the critical illness cover.","quote":"For this policy, the loadings on renewal premium shall be at portfolio and not based upon any individual policy claim experience. ... 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","sources":[{"clause":"7(iv)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/294#c-7-iv"},{"clause":"7(ii)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/294#c-7-ii"}],"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":"cross-checked","value":["Investigation and Evaluation (Excl04)","Rest Cure, rehabilitation and respite care (Excl05)","Obesity/Weight Control (Excl06)","Change-of-gender treatments (Excl07)","Cosmetic or plastic Surgery (Excl08)","Hazardous or Adventure Sports (Excl09)","Breach of law (Excl10)","Excluded Providers (Excl11)","Alcoholism, drug or substance abuse or any addictive condition (Excl12)","Treatments received in heath hydros, nature cure clinics, spas or similar establishments (Excl13)","Dietary supplements and substances that can be purchased without prescription (Excl14)","Refractive Error (Excl15)","Unproven Treatments (Excl16)","Sterility and Infertility (Excl17)","Maternity (Excl 18)","Any illness or condition diagnosed, treated or advised before the inception of HERizon Care Policy","Occupational diseases","War, invasion, terrorism and similar perils","Naval or military operations","Any natural peril","Radioactive contamination","Consequential losses","Intentional self-injury and/or the use or misuse of intoxicating drugs and/or alcohol","Any treatment received outside India","Treatment for any other system other than modern medicine (allopathy) and AYUSH therapies","All non-medical Items as per Annexure III"],"display":"Standard exclusions Excl04 to Excl18, conditions existing before the policy, occupational diseases, war, natural perils, treatment outside India, non-medical items","note":"Excl17 and Excl18 are waived up to the cover limit under the Nurture Nest and MotherHood optional covers; Excl04 is waived under Fetal Flourish. Each critical illness definition in Annexure I has its own specific exclusions.","quote":"Investigation and Evaluation (Code-Excl04) ... Rest Cure, rehabilitation and respite care (Code-Excl05) ... 3. Obesity/Weight Control (Excl06): ... 4. Change-of-gender treatments (Excl07): ... 5. Cosmetic or plastic Surgery (Excl08): ... Hazardous or Adventure Sports (Excl09) ... Breach of law (Excl10) ... Excluded Providers (Excl11) ... Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. (Excl12) ... Treatments received in heath hydros, nature cure clinics, spas or similar establishments ... (Excl13) ... Dietary supplements and substances that can be purchased without prescription ... (Excl14) ... 12.Refractive Error (Excl15): ... Unproven Treatments (Excl16) ... Sterility and Infertility (Excl17) ... 15.Maternity (Excl 18): ... Any illness or conditions covered for which care, treatment, or advice was recommended by or received from a Physician, or which first manifested itself, was diagnosed before the inception of HERizon Care Policy ... 2. Occupational diseases. 3. War, whether war be declared or not, invasion, act of foreign enemy, hostilities, civil war, insurrection, terrorism ... 4. Naval or military operations ... 5. Any natural peril ... 6. Radioactive contamination. 7. Consequential losses of any kind ... 8. Intentional self-injury and/or the use or misuse of intoxicating drugs and/or alcohol. 9. Any treatment received outside India is not covered under this Policy. 10. Treatment for any other system other than modern medicine (allopathy) and AYUSH therapies. 11. All non-medical Items as per Annexure III. ... Maternity (Excl18) stands waived","sources":[{"clause":"Excl04","heading":"Investigation and Evaluation (Code-Excl04)","page":17,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/294#c-excl04"},{"clause":"Excl05","heading":"Rest Cure, rehabilitation and respite care (Code-Excl05)","page":17,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/294#c-excl05"},{"clause":"Excl05(a)(ii)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/294#c-excl05-a-ii"},{"clause":"6","heading":"Hazardous or Adventure Sports (Excl09)","page":18,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/294#c-6-3"},{"clause":"7","heading":"Breach of law (Excl10)","page":18,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/294#c-7-3"},{"clause":"8","heading":"Excluded Providers (Excl11)","page":18,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/294#c-8-3"},{"clause":"9","heading":null,"page":18,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/294#c-9-3"},{"clause":"10","heading":null,"page":18,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/294#c-10-3"},{"clause":"11","heading":null,"page":18,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/294#c-11-3"},{"clause":"13","heading":"Unproven Treatments (Excl16)","page":18,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/294#c-13-3"},{"clause":"14","heading":"Sterility and Infertility (Excl17)","page":18,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/294#c-14-3"},{"clause":"14(iv)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/294#c-14-iv"},{"clause":"14(b)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/294#c-14-b"},{"clause":"3(c)(iii)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/294#c-3-c-iii"}],"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":"cross-checked","value":"On 7 days' written notice, premium for the unexpired period is refunded pro-rata if no claim was made in the Policy Year; for multi-year policies, future years are refunded in full. Medical examination costs are deducted.","display":"Pro-rata refund for the unexpired period if no claim made in the Policy Year","note":"Instalment policies: pro-rata refund if no claim in the Policy Year. Company may cancel for misrepresentation, non-disclosure or fraud on 15 days' notice with no refund.","quote":"The Insured can cancel this Policy by providing a written notice of 7 days. ... Annual Policy: The premium refund for the unexpired risk Policy Period will be on a pro-rata basis, provided no claim has been made during the Policy Year. ... For any Policy year where the risk date has not yet started, the premium will be refunded without any deduction. ... and in full for future Policy Years. ... expenses incurred by the Company on medical examination of the Insured will also be deducted before refunding of premium.","sources":[{"clause":"12","heading":"Cancellation","page":21,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/294#c-12-3"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"cross-checked","value":"India only.","display":"India only","note":null,"quote":"Any treatment received outside India is not covered under this Policy. ... The Company’s liability to make any payment shall be within India and in Indian Rupees only.","sources":[{"clause":"14(b)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/294#c-14-b"},{"clause":"Section E(d)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/294#c-section-e-d"}],"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":"cross-checked","value":{"unit":"days","amount":30},"display":"30 days","note":"New policies only, not renewals or porting. Refund less medical examination and stamp duty costs and proportionate risk premium. CIS says: 'up to 30 days from the first inception of policy'.","quote":"The Insured Person shall be allowed free look period of thirty days from date of receipt of the Policy document to review the terms and conditions of the Policy, and to return the same if not acceptable.","sources":[{"clause":"14","heading":"Free Look Period","page":22,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/294#c-14-4"}],"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":"cross-checked","value":{"unit":"days","amount":30},"display":"30 days (15 days for monthly instalments)","note":"15 days where premium is paid monthly.","quote":"The Grace Period of fifteen days (where premium is paid on a monthly instalments) and thirty days (where premium is paid in quarterly/half-yearly/annual instalments) ... We shall condone a delay in renewal up to the Grace Period (30 days) from the due date of renewal","sources":[{"clause":"3","heading":"Premium Payment in Instalments (Wherever applicable)","page":19,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/294#c-3-5"},{"clause":"7(iii)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/294#c-7-iii"}],"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":"cross-checked","value":"From 90 days to 80 years of age at the commencement of the Policy Period.","display":"90 days to 80 years","note":"Brochure: adults 18 to 80, children 90 days to 35 years. Cover-specific ages: Surrogate Care 25 to 35; Oocyte Donor 23 to 35 (brochure); Nurture Nest, ART and Egg Freezing 21 to 45; Congenital Disability Benefit only for births before the mother turns 40.","quote":"is between 90 days to 80 years of age at the commencement of the Policy Period. ... Adult 18 – 80 years, Child Day 90 to 35","sources":[{"clause":"9","heading":"Insured/ Insured Member/ Insured Person","page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/294#c-9-2"},{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/296#c-s1"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"cross-checked","value":["Annual","Half Yearly","Quarterly","Monthly"],"display":"Annual, half-yearly, quarterly or monthly","note":"Annual instalments are for long-term policies only; long-term policies can also be paid in a single payment (long-term discount).","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","sources":[{"clause":"3","heading":"Premium Payment in Instalments (Wherever applicable)","page":19,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/294#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":"cross-checked","value":["Nurture Nest","MotherHood","Fetal Flourish","Extension 4. Hospital Daily allowance","Prophylactic Surgeries","Legal Expense Support","Extension 1 - Children Education Bonus","Extension 2 - Loss of Job","Extension 3 - Incidental expenses"],"display":"Nurture Nest, MotherHood, Fetal Flourish (with Hospital Daily allowance), Prophylactic Surgeries, Legal Expense Support; critical illness extensions","note":"Optional covers can be bought only with Vita Shield. Extensions 1 to 3 attach to the critical illness cover; Extension 4 to Fetal Flourish.","quote":"Nurture Nest | Sum Insured ... MotherHood | Sum Insured ... Fetal Flourish | INR ... Extension 4. Hospital Daily allowance ... Prophylactic Surgeries | Sum Insured ... Legal Expense Support | Sum Insured ... Optional Covers can be opted only with Vita Shield cover/benefit. ... Extension 1 - Children Education Bonus ... Extension 2 - Loss of Job ... Extension 3 - Incidental expenses","sources":[{"clause":null,"heading":"Optional Covers (Applicable to “Vita Shield” cover)","page":8,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/294#c-optional-covers-applicable-to-vita-shield-cover"},{"clause":null,"heading":"Vita Shield","page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/294#c-vita-shield"}],"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":"cross-checked","value":"Yes when premium is paid in instalments during the Policy Period; the definition adds that the insurer does not have to provide coverage during the grace period if no premium payment is received.","display":"Yes, where premium is paid in instalments","note":"For a delayed renewal the wording only says the delay is condoned up to 30 days without a break in policy; it does not say claims in that period are paid.","quote":"If the premium is paid in instalments during the Policy Period, coverage will be available for the Grace Period also. ... However, the insurer does not have to provide coverage during the grace period if no premium payment is received.","sources":[{"clause":"3","heading":"Premium Payment in Instalments (Wherever applicable)","page":19,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/294#c-3-5"},{"clause":"17","heading":"Grace Period","page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/294#c-17"}],"law":[]},{"key":"illness_count","label":"Number of illnesses covered","section":"Cover","meaning":"How many critical illnesses are listed. The definitions matter more than the count.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"illness_list","label":"Illnesses covered","section":"Cover","meaning":"The listed illnesses. Standard definitions are set by IRDAI.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"payout","label":"Payout","section":"Cover","meaning":"Lump sum on diagnosis, staged payouts by severity, or reimbursement.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"survival_period","label":"Survival period","section":"Waiting periods","meaning":"Days you must survive after diagnosis before the money is paid.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"multiple_claims","label":"Multiple claims","section":"Cover","meaning":"Whether you can claim for more than one illness.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"ped_waiting","label":"Pre-existing conditions","section":"Waiting periods","meaning":"Whether an illness you already had can ever be claimed: after a waiting period, or never.","status":"not-applicable","value":null,"display":null,"note":"General Exclusion 1 excludes, without time limit, any illness or condition diagnosed, treated or advised before the inception of the HERizon Care Policy, so there is no waiting period after which pre-existing conditions become covered.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]}],"documents":[{"kind":"wording","label":"HERizon Care Policy Wordings","pages":36,"fetched_at":"2026-10-16 08:29:39.950323+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/health-insurance/HERizon-Care/HERizon-care-policy-wordings.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/294"},{"kind":"cis","label":"HERizon Care Customer Information Sheet","pages":5,"fetched_at":"2026-10-16 08:29:39.950323+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/health-insurance/HERizon-Care/HERizon-care-cis.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/295"},{"kind":"brochure","label":"HERizon Care Brochure","pages":8,"fetched_at":"2026-10-16 08:29:39.950323+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/health-insurance/HERizon-Care/HERizon-care-brochure.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425/document/296"}],"versions":[],"where_to_buy":[],"claims_and_complaints":[],"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":"HERizon Care (UIN BAJHLIP25040V012425), IndiaInsurances, https://indiainsurances.com/policy/bajaj-general-insurance/herizon-care-bajhlip25040v012425"}