{"uin":"BAJHLIP26044V012526","name":"Mee Kosam- Andhra Pradesh & Telangana","url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526","insurer":{"slug":"bajaj-general-insurance","name":"Bajaj General Insurance Limited","url":"https://indiainsurances.com/insurer/bajaj-general-insurance"},"line":"health","category":"health-indemnity","category_name":"Health insurance (hospitalisation)","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Mee Kosam- Andhra Pradesh & Telangana is a health indemnity policy with individual and floater options and Sum Insured options of 5 L, 7.5 L, 10 L, 15 L and 20L. It has a 30 days initial waiting period, 36 months PED waiting period and 24 months specific disease or procedure waiting period.","analysis":{"state":"machine","analysed_at":"2026-10-19 18:55:43.062046+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Individual","Floater Policy"],"display":"Individual and Floater Policy","note":null,"quote":"What type of plans are available? Individual and Floater Policy","sources":[{"clause":null,"heading":"Mee Kosam- Andhra Pradesh & Telangana","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526/document/2872#c-mee-kosam-andhra-pradesh-telangana"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"1 Year, 2 Years or 3 Years.","display":"1 Year, 2 Years, 3 Years","note":null,"quote":"Tenure of Policy: 1 Year, 2 Years, 3 Years","sources":[{"clause":"Section C","heading":"COVERAGE","page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526/document/3103#c-section-c"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"For cashless claims, planned hospitalization must be intimated before 48 hours and emergency hospitalization within 24 hours. For reimbursement claims, the policy requires written intimation within 48 hours of emergency hospitalization and 48 hours prior to planned hospitalization.","display":"Cashless: planned before 48 hours, emergency within 24 hours. Reimbursement: planned 48 hours prior, emergency within 48 hours.","note":null,"quote":"In case of Planned hospitalization, You/the Insured Person/ Insured’s representative shall intimate such admission before 48 hours of such hospitalization. ... In case of Emergency hospitalization, You/ Insured Person/ Insured’s representative shall intimate such admission within 24 hours of such hospitalization. ... You or some one claiming on Your behalf must inform Us in writing immediately within 48 hours of hospitalization in case of emergency hospitalization and 48 hours prior to hospitalization in case of planned hospitalization","sources":[{"clause":"Section E(ii)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526/document/3103#c-section-e-ii"},{"clause":"Section E(iii)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526/document/3103#c-section-e-iii"},{"clause":"Section E(x)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526/document/3103#c-section-e-x"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Claim form with NEFT details & cancelled cheque duly signed by Insured Person","Original/Attested copies of Discharge Summary / Discharge Certificate / Death Summary with Surgical & anesthetics notes","Attested copies of Indoor case papers, if available","Original/Attested copies Final Hospital Bill with break up of surgical charges, surgeon’s fees, OT charges etc","Original Paid Receipt against the final Hospital Bill.","Original bills towards Investigations done / Laboratory Bills.","Original/Attested copies of Investigation Reports against Investigations done.","Original bills and receipts paid for the transportation from Registered Ambulance Service Provider. Treating Medical Practitioner certificate to transfer the Injured person to a higher medical Centre for further treatment (if Applicable).","Cashless settlement letter or other company settlement letter","First consultation letter for the current ailment.","In case of implant surgery, invoice & sticker."],"display":"Claim form, discharge summary, indoor case papers, final hospital bill, paid receipt, investigation bills and reports, ambulance bills if applicable, settlement letter, first consultation letter and implant invoice/sticker if applicable.","note":null,"quote":"List of Claim Documents\n• Claim form with NEFT details & cancelled cheque duly signed by Insured Person\n• Original/Attested copies of Discharge Summary / Discharge Certificate / Death Summary with Surgical & anesthetics notes\n• Attested copies of Indoor case papers, if available\n• Original/Attested copies Final Hospital Bill with break up of surgical charges, surgeon’s fees, OT charges etc\n• Original Paid Receipt against the final Hospital Bill.\n• Original bills towards Investigations done / Laboratory Bills.\n• Original/Attested copies of Investigation Reports against Investigations done.\n• Original bills and receipts paid for the transportation from Registered Ambulance Service Provider. Treating Medical Practitioner certificate to transfer the Injured person to a higher medical Centre for further treatment (if Applicable).\n• Cashless settlement letter or other company settlement letter\n• First consultation letter for the current ailment.\n• In case of implant surgery, invoice & sticker.","sources":[{"clause":"Section E(x)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526/document/3103#c-section-e-x"}],"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":"conflicting","value":"The policy wording says the Company shall settle or reject a claim within 15 days from receipt of the last necessary document, with interest at 2% above the bank rate for delay.","display":"15 days from receipt of last necessary document","note":"CIS also says: 'TAT for claim settlement: 15 Working Days'.","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.","sources":[{"clause":"5(i)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526/document/3103#c-5-i"},{"clause":"6","heading":"Treatment for any other system other than modern medicine (allopathy) and","page":3,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526/document/2945#c-6"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Expenses related to the treatment of a Pre-Existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months","Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 24 months","Expenses related to the treatment of any Illness within 30 days","Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded","Expenses related to any admission primarily for enforced bed rest and not for receiving treatment.","Expenses related to the surgical treatment of obesity that does not fulfil all the below conditions","Expenses related to any treatment, including surgical management, to change characteristics of the body to those of the opposite sex.","Expenses for cosmetic or plastic surgery or any treatment to change appearance","Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports","Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent.","Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof.","Expenses related to sterility and infertility.","Medical treatment expenses traceable to childbirth","Any medical treatment received outside India is not covered under this Policy.","Treatment for any other system other than modern medicine (allopathy) and AYUSH therapies."],"display":"Main exclusions include PED, specific disease and 30-day waiting periods, investigation or evaluation, rest cure, obesity, change of gender, cosmetic surgery, professional hazardous sports, breach of law, substance abuse, infertility, maternity, treatment outside India and systems other than allopathy or AYUSH.","note":null,"quote":"Expenses related to the treatment of a Pre-Existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months ... Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 24 months ... Expenses related to the treatment of any Illness within 30 days ... Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded ... Expenses related to any admission primarily for enforced bed rest and not for receiving treatment. ... Expenses related to the surgical treatment of obesity that does not fulfil all the below conditions: ... Expenses related to any treatment, including surgical management, to change characteristics of the body to those of the opposite sex. ... Expenses for cosmetic or plastic surgery or any treatment to change appearance ... Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports ... Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent. ... Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. ... Expenses related to sterility and infertility. ... Medical treatment expenses traceable to childbirth ... Any medical treatment received outside India is not covered under this Policy. ... Treatment for any other system other than modern medicine (allopathy) and AYUSH therapies.","sources":[{"clause":"1(a)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526/document/3103#c-1-a"},{"clause":"2(a)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526/document/3103#c-2-a"},{"clause":"2(a)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526/document/3103#c-2-a-2"},{"clause":"Excl04","heading":"Investigation & Evaluation (Code-Excl04)","page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526/document/3103#c-excl04"},{"clause":"Excl05","heading":"Rest Cure, rehabilitation and respite care (Code-Excl05)","page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526/document/3103#c-excl05"},{"clause":"3","heading":"Obesity/Weight Control (Code-Excl06)","page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526/document/3103#c-3-4"},{"clause":"4","heading":"Change-of-gender treatments (Code-Excl07)","page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526/document/3103#c-4-4"},{"clause":"5","heading":"Cosmetic or plastic Surgery (Code-Excl08)","page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526/document/3103#c-5-4"},{"clause":"6","heading":"Hazardous or Adventure sports: (Code- Excl09 )","page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526/document/3103#c-6-4"},{"clause":"7","heading":"Breach of law (Code-Excl10)","page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526/document/3103#c-7-4"},{"clause":"9","heading":null,"page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526/document/3103#c-9-4"},{"clause":"14","heading":"Sterility and Infertility (Code-Excl17)","page":15,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526/document/3103#c-14-3"},{"clause":"15(i)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526/document/3103#c-15-i"},{"clause":"15(ii)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526/document/3103#c-15-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":"First contact the insurer through its toll-free number, branch, website or Level 1 e-mail. If not satisfied, write to the Grievance Redressal Officer at ggro@bajajgeneral.com, then use the Level 3 missed-call or SMS route before approaching the Insurance Ombudsman.","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":"a) Level 1: Write to careforyou@bajajgeneral.com and for senior citizens to seniorcitizen@bajajgeneral.com ... b) Level 2: In case you are not satisfied with the response given to you at Level 1 you may write to our Grievance Redressal Officer at ggro@bajajgeneral.com ... c) Level 3: If in case, your grievance is still not resolved, and you wish to talk to our care specialist, please give a missed call on +91 80809 45060 OR SMS To 575758 and our care specialist will call you back","sources":[{"clause":"15(a)","heading":"Level 1","page":18,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526/document/3103#c-15-a-2"},{"clause":"15(b)","heading":"Level 2","page":18,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526/document/3103#c-15-b-2"},{"clause":"15(c)","heading":"Level 3","page":18,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526/document/3103#c-15-c-2"}],"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":"quote-verified","value":"5 L, 7.5 L, 10 L, 15 L and 20L.","display":"5 L /7.5 L /10 L /15 L /20L","note":"The policy wording defines Sum Insured as the amount specified in the Schedule; the selectable options are stated in the prospectus.","quote":"What are the Sum Insured options available under the policy? 5 L /7.5 L /10 L /15 L /20L","sources":[{"clause":null,"heading":"Mee Kosam- Andhra Pradesh & Telangana","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526/document/2872#c-mee-kosam-andhra-pradesh-telangana"}],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Accident claims are excepted if covered.","quote":"Expenses related to the treatment of any Illness within 30 days as per the option specified in the Policy Schedule from the first Policy commencement date shall be excluded except claims arising due to an Accident, provided the same are covered.","sources":[{"clause":"2(a)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526/document/3103#c-2-a-2"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"quote-verified","value":{"unit":"months","amount":36},"display":"36 months","note":"The PED waiting period for enhanced Sum Insured applies afresh to the increased Sum Insured.","quote":"Expenses related to the treatment of a Pre-Existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first Mee Kosam- Andhra Pradesh & Telangana Policy and the Policy Schedule with Us.","sources":[{"clause":"1(a)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526/document/3103#c-1-a"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"quote-verified","value":{"unit":"months","amount":24},"display":"24 months","note":"Not applicable for claims arising due to an Accident; if the condition is also a PED, the longer waiting period applies.","quote":"Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the first Mee Kosam- Andhra Pradesh & Telangana Policy and the Policy Schedule with Us.","sources":[{"clause":"2(a)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526/document/3103#c-2-a"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"quote-verified","value":["All types of Organ Transplantation","Cataract and posterior segment diseases","Any type of Anal Fistula, Piles, Fissure","All types of Hysterectomy","Open/Transurethral resection of Prostate","Hydrocele and Hernia of all types","Genitourinary calculi","Surgery for tonsils/adenoids/paranasal sinuses, DNS, non-traumatic conditions of ear and salivary glands","Benign tumours/cysts/nodules/polyps of any kind, including breast lumps","Cholecystectomy","All forms of Cirrhosis, Hepatitis, Benign Pancreatic-biliary disorders and IBD","Chronic Renal Dysfunction and Auto-immune Diseases","Surgery for Vascular Aneurysm, AVM, Fistula, Varicose Veins and Varicose Ulcers","All types of Arthroplasty and related procedures","Dementia, Alzheimer’s Disease and degenerative vertebral joint diseases","Congenital internal anomalies, elective surgery for replacement of Cardiac Valves","Correction of Myopia greater or equal to 7.5 as recommended by Ophthalmologist for medical reasons","Bariatric Surgery"],"display":"Organ transplantation, cataract, anal fistula/piles/fissure, hysterectomy, prostate resection, hydrocele/hernia, genitourinary calculi, ENT surgeries, benign tumours/cysts/nodules/polyps, cholecystectomy, cirrhosis/hepatitis/pancreatic-biliary disorders/IBD, chronic renal dysfunction/auto-immune diseases, vascular aneurysm/AVM/fistula/varicose veins/ulcers, arthroplasty, dementia/Alzheimer’s/degenerative vertebral joint diseases, congenital internal anomalies/cardiac valve replacement, high myopia correction and bariatric surgery.","note":null,"quote":"1. All types of Organ Transplantation | 2. Cataract and posterior segment diseases\n3. Any type of Anal Fistula, Piles, Fissure | 4. All types of Hysterectomy\n5. Open/Transurethral resection of Prostate | 6. Hydrocele and Hernia of all types\n7. Genitourinary calculi | 8. Surgery for tonsils/adenoids/paranasal sinuses, DNS, non-traumatic conditions of ear and salivary glands\n9. Benign tumours/cysts/nodules/polyps of any kind, including breast lumps | 10. Cholecystectomy\n11. All forms of Cirrhosis, Hepatitis, Benign Pancreatic-biliary disorders and IBD | 12. Chronic Renal Dysfunction and Auto-immune Diseases\n13. Surgery for Vascular Aneurysm, AVM, Fistula, Varicose Veins and Varicose Ulcers | 14. All types of Arthroplasty and related procedures\n15. Dementia, Alzheimer’s Disease and degenerative vertebral joint diseases | 16. Congenital internal anomalies, elective surgery for replacement of Cardiac Valves\n17. Correction of Myopia greater or equal to 7.5 as recommended by Ophthalmologist for medical reasons | 18. Bariatric Surgery","sources":[{"clause":"2(e)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526/document/3103#c-2-e"}],"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, completion of sixty continuous months applies from the date of enhancement only on the enhanced limits.","quote":"After completion of sixty continuous months of coverage (including portability and migration) no look back would be applied. This period of sixty months is called as moratorium period.","sources":[{"clause":"11","heading":"Moratorium Period","page":17,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526/document/3103#c-11-5"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"quote-verified","value":"The insured person can port the entire policy with all family members to another insurer by applying at least 30 days before, but not earlier than 60 days from, the renewal date. If continuously covered without lapses under an Indian General/Health insurer, accrued continuity benefits in waiting periods are available as per IRDAI portability guidelines.","display":"Can port to other insurers with accrued continuity benefits in waiting periods.","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 as per IRDAI guidelines on Portability.","sources":[{"clause":"8","heading":"Portability","page":17,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526/document/3103#c-8-5"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"quote-verified","value":true,"display":"Yes, lifetime renewal benefit","note":"The policy wording says the policy is renewable except on grounds of established fraud or non-disclosure or misrepresentation, subject to withdrawal and the Moratorium Period condition.","quote":"Renewal age - Lifetime ... What is the renewal age? Under normal circumstances, lifetime renewal benefit is available under the policy except on the grounds of fraud, misrepresentation or moral hazard.","sources":[{"clause":null,"heading":"Mee Kosam- Andhra Pradesh & Telangana","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526/document/2872#c-mee-kosam-andhra-pradesh-telangana"}],"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. The policy also says renewal will not be denied because of claims in preceding policy years.","display":"No individual claim-based renewal loading; loadings are at portfolio level.","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":"6(iv)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526/document/3103#c-6-iv"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"quote-verified","value":["Excl04 Investigation & Evaluation","Excl05 Rest Cure, rehabilitation and respite care","Obesity/Weight Control (Code-Excl06)","Change-of-gender treatments (Code-Excl07)","Cosmetic or plastic Surgery (Code-Excl08)","Hazardous or Adventure sports: (Code- Excl09 )","Breach of law (Code-Excl10)","Excluded Providers (Code-Excl11)","Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. (Code-Excl12)","Treatments received in health hydros, nature cure clinics, spas or similar establishments","Dietary supplements and substances that can be purchased without prescription","Refractive Error (Code-Excl15)","Unproven Treatments (Code-Excl16)","Sterility and Infertility (Code-Excl17)","Maternity: (Code Excl18)","Any dental treatment that comprises of cosmetic surgery, dentures, dental prosthesis, dental implants, orthodontics, surgery of any kind unless as a result of Accidental Bodily Injury to natural teeth and also requiring Hospitalization.","Any medical treatment received outside India is not covered under this Policy.","Treatment for any other system other than modern medicine (allopathy) and AYUSH therapies."],"display":"Permanent exclusions include Excl04 to Excl18 and specific exclusions such as dental cosmetic/prosthetic treatment, treatment outside India and systems other than allopathy and AYUSH.","note":"Excl13 heading is split in the extracted clauses; the policy text says treatments in health hydros, nature cure clinics, spas or similar establishments are excluded.","quote":"Excl04 Investigation & Evaluation (Code-Excl04) ... Excl05 Rest Cure, rehabilitation and respite care (Code-Excl05) ... 3 Obesity/Weight Control (Code-Excl06) ... 4 Change-of-gender treatments (Code-Excl07) ... 5 Cosmetic or plastic Surgery (Code-Excl08) ... 6 Hazardous or Adventure sports: (Code- Excl09 ) ... 7 Breach of law (Code-Excl10) ... 8 Excluded Providers (Code-Excl11) ... Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. (Code- ... Excl12 ... Treatments received in health hydros, nature cure clinics, spas or similar establishments ... Dietary supplements and substances that can be purchased without prescription ... 12 Refractive Error (Code-Excl15) ... 13 Unproven Treatments (Code-Excl16) ... 14 Sterility and Infertility (Code-Excl17) ... Maternity: (Code Excl18) ... Any dental treatment that comprises of cosmetic surgery, dentures, dental prosthesis, dental implants, orthodontics, surgery of any kind unless as a result of Accidental Bodily Injury to natural teeth and also requiring Hospitalization. ... Any medical treatment received outside India is not covered under this Policy. ... Treatment for any other system other than modern medicine (allopathy) and AYUSH therapies.","sources":[{"clause":"Excl04","heading":"Investigation & Evaluation (Code-Excl04)","page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526/document/3103#c-excl04"},{"clause":"Excl05","heading":"Rest Cure, rehabilitation and respite care (Code-Excl05)","page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526/document/3103#c-excl05"},{"clause":"3","heading":"Obesity/Weight Control (Code-Excl06)","page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526/document/3103#c-3-4"},{"clause":"4","heading":"Change-of-gender treatments (Code-Excl07)","page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526/document/3103#c-4-4"},{"clause":"5","heading":"Cosmetic or plastic Surgery (Code-Excl08)","page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526/document/3103#c-5-4"},{"clause":"6","heading":"Hazardous or Adventure sports: (Code- Excl09 )","page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526/document/3103#c-6-4"},{"clause":"7","heading":"Breach of law (Code-Excl10)","page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526/document/3103#c-7-4"},{"clause":"8","heading":"Excluded Providers (Code-Excl11)","page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526/document/3103#c-8-4"},{"clause":"9","heading":null,"page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526/document/3103#c-9-4"},{"clause":"Excl12","heading":null,"page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526/document/3103#c-excl12"},{"clause":"10","heading":null,"page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526/document/3103#c-10-4"},{"clause":"11","heading":null,"page":15,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526/document/3103#c-11-4"},{"clause":"12","heading":"Refractive Error (Code-Excl15)","page":15,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526/document/3103#c-12-4"},{"clause":"13","heading":"Unproven Treatments (Code-Excl16)","page":15,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526/document/3103#c-13-3"},{"clause":"14","heading":"Sterility and Infertility (Code-Excl17)","page":15,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526/document/3103#c-14-3"},{"clause":"15","heading":"Maternity: (Code Excl18)","page":15,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526/document/3103#c-15-3"},{"clause":"15(ii)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526/document/3103#c-15-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 with 7 days written notice. If no claim has been made in the policy year, refund is pro-rata for the unexpired risk period; for multi-year policies, future policy years where risk has not started are refunded without deduction, and medical examination expenses may be deducted where risk has commenced.","display":"7 days written notice; pro-rata refund of unexpired risk period if no claim, with future multi-year policy years refunded without deduction.","note":"For instalment premium policies, refund for the unexpired risk period is also pro-rata if no claim has been made during the policy year.","quote":"The Policyholder can cancel this Policy by providing a written notice of 7 days. In such a case, the Company shall refund the premium for the unexpired Policy Period as detailed below:\no Cancellation of Policy where full premium received at Policy inception -\n• Annual Policy: The premium refund for the unexpired risk period will be on a pro-rata basis, provided no claim has been made during the Policy Year.\n• Multi-year Policy:\nFor any Policy Year where the risk date has not yet started, the premium will be refunded without any deduction. For any Policy Year where the risk has started, the premium will be refunded on a pro-rata basis for that Policy Year, provided no claim has been made during the Policy Year and in full for future Policy Years.","sources":[{"clause":"7","heading":"Cancellation","page":17,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526/document/3103#c-7-5"}],"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":"Medical expenses are covered for treatment availed within India only, and payments are made within India in Indian Rupees only.","display":"Within India only","note":null,"quote":"We cover Medical Expenses for treatment availed within India only. Our liability to make any payment shall be to make payment within India and in Indian Rupees only.","sources":[{"clause":"14(i)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526/document/3103#c-14-i"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"thirty days from date of receipt of the Policy document","note":"Applicable at inception of the policy, not on renewals or at the time of porting.","quote":"The Insured Person shall be allowed a 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":"16","heading":"Free Look Period","page":18,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526/document/3103#c-16-3"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":15},"display":"fifteen days for monthly; thirty days in all other cases","note":"Thirty days applies in all cases other than monthly premium payment mode.","quote":"The grace period for payment of the premium for all types of insurance policies shall be: fifteen days where premium payment mode is monthly and thirty days in all other cases.","sources":[{"clause":"17","heading":"Grace Period","page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526/document/3103#c-17"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"Entry age eligibility is Day 0 to Unlimited.","display":"Day 0 to Unlimited","note":"The prospectus also says dependent children and dependent grandchildren are covered from 0 days to 30 years.","quote":"What is the entry age eligibility under the policy? Day 0 to Unlimited","sources":[{"clause":null,"heading":"Mee Kosam- Andhra Pradesh & Telangana","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526/document/2872#c-mee-kosam-andhra-pradesh-telangana"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["Annually","Half yearly","Quarterly","Monthly"],"display":"Annually / Half yearly/ Quarterly or Monthly","note":"The prospectus separately says premiums can be paid in Monthly/Quarterly/Half Yearly/Annual instalment, and in long-term policies premium can be paid annually.","quote":"What is premium paying term? Annually / Half yearly/ Quarterly or Monthly.","sources":[{"clause":null,"heading":"Mee Kosam- Andhra Pradesh & Telangana","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526/document/2872#c-mee-kosam-andhra-pradesh-telangana"}],"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":["Sum Insured Reinstatement","Procedure wise/ Disease wise- sublimit","Super Cumulative Bonus","No Claim Discount","Cashless Discount","Accidental Death Cover"],"display":"Sum Insured Reinstatement; Procedure wise/Disease wise sublimit; Super Cumulative Bonus; No Claim Discount; Cashless Discount; Accidental Death Cover.","note":null,"quote":"OPTIONAL COVERS\nIn consideration of payment of additional premium by the Insured Person to the Company and realization thereof by the Company, it is hereby agreed that We will indemnify/pay You against the Reasonable and Customary expenses, as the case may be, in respect of an admissible claim under any or all of the following Optional covers as opted ... 1. Sum Insured Reinstatement ... 2. Procedure wise/ Disease wise- sublimit ... 3. Super Cumulative Bonus ... 4. No Claim Discount ... 5. Cashless Discount ... 6. Accidental Death Cover","sources":[{"clause":"12(ii)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526/document/3103#c-12-ii"},{"clause":"12(vii)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526/document/3103#c-12-vii"},{"clause":"12(c)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526/document/3103#c-12-c"},{"clause":"12(b)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526/document/3103#c-12-b-2"}],"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 during the grace period is available if premium is paid in instalments during the policy period. The grace period definition also says coverage need not be available during the period for which no premium is received, but the insurer shall provide coverage during the grace period if an instalment payment is made.","display":"Available during grace period for instalment premium during the policy period.","note":"The wording does not state that renewal grace period claims are covered when renewal premium has not been received.","quote":"Coverage need not be available during the period for which no premium is received. ... Provided, Insurer shall provide coverage during the grace period if you make an instalment payment. ... If the premium is paid in instalments during the Policy Period, coverage will be available for the Grace Period also.","sources":[{"clause":"17","heading":"Grace Period","page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526/document/3103#c-17"},{"clause":"3","heading":"Premium Payment in Installments","page":16,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526/document/3103#c-3-5"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for the hospital room, or the room category allowed. If you take a costlier room, other bills can be cut in proportion.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"room_category","label":"Room category allowed","section":"Limits and co-pay","meaning":"Shared room, single private room or any room, by plan, when the limit is a room type rather than a rupee amount.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"icu_limit","label":"ICU limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for intensive care.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"proportionate_deduction","label":"Proportionate deduction","section":"Limits and co-pay","meaning":"If you choose a room above your limit, whether the insurer reduces associated charges (doctor fees, tests, procedures) by the same proportion.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"copay","label":"Co-payment","section":"Limits and co-pay","meaning":"The share of every admissible claim you pay yourself, and when it applies (age, zone, choice of hospital).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"An amount of each claim or each year that you bear before the policy pays.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"disease_sublimits","label":"Disease or procedure sub-limits","section":"Limits and co-pay","meaning":"Caps on what is paid for named treatments (cataract, knee replacement...), even if the sum insured is higher.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"pre_hospitalisation","label":"Pre-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days before admission that are paid if related to the hospitalisation.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"post_hospitalisation","label":"Post-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days after discharge that are paid if related to the hospitalisation.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"day_care","label":"Day-care treatments","section":"Cover","meaning":"Treatments needing less than 24 hours in hospital (chemotherapy, dialysis, cataract) and whether all or only listed ones are covered.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"domiciliary","label":"Treatment at home","section":"Cover","meaning":"Whether treatment at home is covered when hospital admission is not possible or a doctor advises it.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"ayush","label":"AYUSH treatment","section":"Cover","meaning":"Ayurveda, Yoga, Unani, Siddha and Homeopathy treatment in a recognised hospital, and any limit.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 1","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 2","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 1","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II A.I(1)","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"modern_treatments","label":"Modern treatments","section":"Cover","meaning":"Robotic surgery, immunotherapy, oral chemotherapy, stem cell therapy and the like, and any cap on them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 2","url":"https://indiainsurances.com/law/irdai-health-mc-2024"}]},{"key":"organ_donor","label":"Organ donor expenses","section":"Cover","meaning":"Whether the donor's hospital costs for an organ transplant are paid.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"ambulance","label":"Ambulance cover","section":"Cover","meaning":"Road (and air) ambulance cover and its limit.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"restoration","label":"Restoration of sum insured","section":"Cover","meaning":"Whether the sum insured is refilled after it is used up in a year, how much, how often, and whether it works for the same illness.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"no_claim_bonus","label":"No-claim or cumulative bonus","section":"Cover","meaning":"How much the cover grows each year, the maximum, whether it depends on not claiming, and what happens after a claim.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"consumables","label":"Consumables and non-medical items","section":"Cover","meaning":"Gloves, PPE, syringes and other items hospitals bill that standard policies exclude; whether this policy pays them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Whether childbirth costs are covered, the limit and the waiting period.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"newborn","label":"Newborn baby cover","section":"Cover","meaning":"Whether a newborn is covered from birth and for what.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"mental_illness","label":"Mental illness","section":"Cover","meaning":"Cover for in-patient treatment of mental illness.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 3","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch III I","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(4)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 2(1)(s)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(1)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"}]},{"key":"health_checkup","label":"Health check-up","section":"Cover","meaning":"Free preventive check-ups and how often.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"opd","label":"Out-patient (OPD) cover","section":"Cover","meaning":"Doctor consultations, tests and medicines without admission, and the limit.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"zone_pricing","label":"Zone or city-based premium","section":"Premium","meaning":"Whether premium or co-pay depends on the city you are treated in.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Mee Kosam- Andhra Pradesh & Telangana Policy Wordings","pages":32,"fetched_at":"2026-10-17 19:39:07+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/health-insurance/aapke-liye/mee-kosam-andhra-pradesh-telangana/Mee_Kosam-Andhra_Pradesh_Telangana_Policy_Wordings.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526/document/3103"},{"kind":"prospectus","label":"Mee Kosam- Andhra Pradesh & Telangana Brochure","pages":14,"fetched_at":"2026-10-17 19:31:04+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/health-insurance/aapke-liye/prospectus/Mee_Kosam-Andhra_Pradesh_Telangana_Prospectus.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526/document/2872"},{"kind":"cis","label":"Mee Kosam- Andhra Pradesh & Telangana Customer Information Sheet","pages":6,"fetched_at":"2026-10-17 19:33:54+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/health-insurance/aapke-liye/aapke-liye-cis/Mee_Kosam-Andhra_Pradesh_Telangana_CIS.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526/document/2945"},{"kind":"brochure","label":"Mee Kosam- Andhra Pradesh & Telangana Brochure","pages":11,"fetched_at":"2026-10-17 19:35:40+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/health-insurance/aapke-liye/mee-kosam-andhra-pradesh-telangana/Mee_Kosam-Andhra_Pradesh_Telangana_Brochure.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526/document/2992"}],"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":"Mee Kosam- Andhra Pradesh & Telangana (UIN BAJHLIP26044V012526), IndiaInsurances, https://indiainsurances.com/policy/bajaj-general-insurance/mee-kosam-andhra-pradesh-and-telangana-bajhlip26044v012526"}