{"uin":"BAJHLIP26064V012526","name":"Aapke Liye- Andaman & Nicobar Islands","url":"https://indiainsurances.com/policy/bajaj-general-insurance/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526","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":"AapKe Liye- Andaman & Nicobar Islands is a health indemnity policy with individual and floater options and policy tenures of 1, 2 or 3 years. It has sum insured options of 5 L to 20L, a 30 day initial waiting period, 36 months for pre-existing diseases and 24 months for specified diseases.","analysis":{"state":"machine","analysed_at":"2026-10-19 18:59:39.467706+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":"AapKe Liye - Andaman & Nicobar Island","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526/document/2934#c-aapke-liye-andaman-nicobar-island"}],"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/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526/document/3141#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 hospitalisation must be intimated before 48 hours and emergency hospitalisation within 24 hours. For reimbursement claims, emergency hospitalisation must be informed within 48 hours and planned hospitalisation 48 hours prior to hospitalisation.","display":"Cashless: planned before 48 hours, emergency within 24 hours; reimbursement: emergency within 48 hours, planned 48 hours prior","note":null,"quote":"In case of Planned hospitalization, You/the Insured Person/ Insured’s representative shall intimate such admission before 48 hours of such hospitalization. ... In case of Emergency hospitalization, You/ Insured Person/ Insured’s representative shall intimate such admission within 24 hours of such hospitalization. ... You or someone claiming on Your behalf must inform Us in writing immediately within 48 hours of hospitalization in case of emergency hospitalization and 48 hours prior to hospitalization in case of planned hospitalization","sources":[{"clause":null,"heading":"A. Cashless Claims Procedure","page":21,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526/document/3141#c-a-cashless-claims-procedure"},{"clause":null,"heading":"B. Reimbursement Claim Procedure","page":21,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526/document/3141#c-b-reimbursement-claim-procedure"}],"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/death summary, indoor case papers, final hospital bill, paid receipt, investigation bills and reports, ambulance bills, settlement letter, first consultation letter, and implant invoice & sticker","note":null,"quote":"• 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":null,"heading":"List of Claim Documents","page":22,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526/document/3141#c-list-of-claim-documents"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The company shall settle or reject a claim within 15 days from receipt of the last necessary document. If investigation is warranted, it shall initiate and complete investigation not later than 30 days from receipt of the last necessary document, with interest at 2% above the bank rate for delay beyond the stipulated 15 days.","display":"Settle or reject within 15 days from last necessary document; investigation not later than 30 days; delay interest 2% above bank rate","note":null,"quote":"The Company shall settle or reject a claim, as the case may be, within 15 days from the date of receipt of last necessary document. ... where the circumstances of a claim warrant an investigation in the opinion of the Company, it shall initiate and complete such investigation at the earliest, in any case not later than 30 days from the date of receipt of last necessary document. ... In case of delay beyond stipulated 15 days, the Company shall be liable to pay interest, to the Insured Person, at a rate 2% above the bank rate from the date of receipt of last necessary document to the date of payment of claim.","sources":[{"clause":"5(i)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526/document/3141#c-5-i"},{"clause":"5(iii)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526/document/3141#c-5-iii"},{"clause":"5(iv)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526/document/3141#c-5-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":"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","Investigation & Evaluation (Code-Excl04)","Rest Cure, rehabilitation and respite care (Code-Excl05)","Obesity/Weight Control (Code-Excl06)","Change-of-gender treatments (Code-Excl07)","Cosmetic or plastic Surgery (Code-Excl08)","Hazardous or Adventure sports: (Code- Excl09 )","Breach of law (Code-Excl10)","Excluded Providers (Code-Excl11)","Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. (Code- Excl12).","Unproven Treatments (Code-Excl16)","Sterility and Infertility (Code-Excl17)","Any medical treatment received outside India is not covered under this Policy."],"display":"Waiting-period exclusions plus investigation, rest cure, obesity, change of gender, cosmetic surgery, hazardous sports, breach of law, excluded providers, alcoholism/drug abuse, unproven treatments, sterility/infertility and treatment outside India","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 ... Excl04 Investigation & Evaluation (Code-Excl04) ... Excl05 Rest Cure, rehabilitation and respite care (Code-Excl05) ... Obesity/Weight Control (Code-Excl06) ... Change-of-gender treatments (Code-Excl07) ... Cosmetic or plastic Surgery (Code-Excl08) ... Hazardous or Adventure sports: (Code- Excl09 ) ... Breach of law (Code-Excl10) ... Excluded Providers (Code-Excl11) ... Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. (Code- Excl12). ... Unproven Treatments (Code-Excl16) ... Sterility and Infertility (Code-Excl17) ... Any medical treatment received outside India is not covered under this Policy.","sources":[{"clause":"1(a)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526/document/3141#c-1-a"},{"clause":"2(a)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526/document/3141#c-2-a"},{"clause":"2(a)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526/document/3141#c-2-a-2"},{"clause":"Excl04","heading":"Investigation & Evaluation (Code-Excl04)","page":13,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526/document/3141#c-excl04"},{"clause":"Excl05","heading":"Rest Cure, rehabilitation and respite care (Code-Excl05)","page":13,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526/document/3141#c-excl05"},{"clause":"3","heading":"Obesity/Weight Control (Code-Excl06)","page":13,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526/document/3141#c-3-4"},{"clause":"4","heading":"Change-of-gender treatments (Code-Excl07)","page":13,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526/document/3141#c-4-4"},{"clause":"5","heading":"Cosmetic or plastic Surgery (Code-Excl08)","page":13,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526/document/3141#c-5-4"},{"clause":"6","heading":"Hazardous or Adventure sports: (Code- Excl09 )","page":13,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526/document/3141#c-6-4"},{"clause":"7","heading":"Breach of law (Code-Excl10)","page":13,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526/document/3141#c-7-4"},{"clause":"8","heading":"Excluded Providers (Code-Excl11)","page":13,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526/document/3141#c-8-4"},{"clause":"9","heading":"Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof.","page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526/document/3141#c-9-4"},{"clause":"13","heading":"Unproven Treatments (Code-Excl16)","page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526/document/3141#c-13-3"},{"clause":"14","heading":"Sterility and Infertility (Code-Excl17)","page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526/document/3141#c-14-3"},{"clause":"15(ii)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526/document/3141#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 numbers, WhatsApp, branches, website or Level 1 e-mail. If not satisfied, write to the Grievance Redressal Officer at ggro@bajajgeneral.com, then use the Level 3 call-back/SMS route before approaching the Insurance Ombudsman.","display":"Level 1 careforyou@bajajgeneral.com / seniorcitizen@bajajgeneral.com; Level 2 ggro@bajajgeneral.com; Level 3 missed call +91 80809 45060 or SMS 575758; then Insurance Ombudsman","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\n5. If you are still not satisfied with the decision of the Insurance Company, you may approach the Insurance Ombudsman","sources":[{"clause":"15(a)","heading":"Level 1","page":17,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526/document/3141#c-15-a-2"},{"clause":"15(b)","heading":"Level 2","page":17,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526/document/3141#c-15-b-2"},{"clause":"15(c)","heading":"Level 3","page":17,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526/document/3141#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 /20L","display":"5 L /7.5 L /10 L /15 L /20L","note":null,"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":"AapKe Liye - Andaman & Nicobar Island","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526/document/2934#c-aapke-liye-andaman-nicobar-island"}],"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":"Applies to illness claims from the first policy commencement date; 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":13,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526/document/3141#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":"For enhanced sum insured, the exclusion applies afresh to the increase; portability credit can reduce the period.","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 AapKe Liye- Andaman & Nicobar Islands Policy and the Policy Schedule with Us.","sources":[{"clause":"1(a)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526/document/3141#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 a listed condition is also a pre-existing disease, 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 AapKe Liye- Andaman & Nicobar Islands Policy and the Policy Schedule with Us.","sources":[{"clause":"2(a)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526/document/3141#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":"18 listed diseases/procedures including organ transplantation, cataract, fistula/piles/fissure, hysterectomy, prostate resection, hernia, genitourinary calculi, ENT surgeries, tumours/cysts/polyps, cholecystectomy, cirrhosis/hepatitis/pancreatic-biliary disorders/IBD, chronic renal dysfunction and auto-immune diseases, vascular aneurysm/AVM/fistula/varicose veins/ulcers, arthroplasty, dementia/Alzheimer’s/degenerative vertebral joint diseases, congenital internal anomalies/cardiac valve replacement, myopia correction ≥ 7.5 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 | 12. Chronic Renal Dysfunction and Auto-immune\nPancreatic-biliary disorders and IBD | 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":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526/document/3141#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, sixty continuous months runs from the enhancement date for the enhanced limits; claims remain subject to established fraud, permanent exclusions, limits, sub-limits, co-payments and deductibles.","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":16,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526/document/3141#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 policy to other insurers by applying at least 30 days before, but not earlier than 60 days from, the renewal date. If continuously covered without lapses under a health insurance policy with an Indian general/health insurer, accrued continuity benefits in waiting periods are carried as per IRDAI portability guidelines.","display":"Port to other insurers with waiting-period continuity credit; apply at least 30 days before and not earlier than 60 days from renewal","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":16,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526/document/3141#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","note":null,"quote":"Renewal age - Lifetime ... 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":"AapKe Liye - Andaman & Nicobar Island","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526/document/2934#c-aapke-liye-andaman-nicobar-island"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"quote-verified","value":"Renewal premium loadings are at portfolio level and not based on any individual policy claim experience. Renewal shall not be denied because claims were made in preceding policy years.","display":"No individual claim-based renewal loading; portfolio-level loadings only","note":null,"quote":"We shall not deny the renewal of this policy on the ground that You have made a claim or claims in the preceding policy years ... For this policy, the loadings on renewal premium shall be at portfolio and not based upon any individual policy claim experience. However, discount in premium may be provided by Us to You for good claims experience.","sources":[{"clause":"6(ii)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526/document/3141#c-6-ii"},{"clause":"6(iv)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526/document/3141#c-6-iv"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"quote-verified","value":["Investigation & Evaluation (Code-Excl04)","Rest Cure, rehabilitation and respite care (Code-Excl05)","Obesity/Weight Control (Code-Excl06)","Change-of-gender treatments (Code-Excl07)","Cosmetic or plastic Surgery (Code-Excl08)","Hazardous or Adventure sports: (Code- Excl09 )","Breach of law (Code-Excl10)","Excluded Providers (Code-Excl11)","Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. (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.","War, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, commotion, unrest, rebellion, revolution, insurrection, military or usurped power or confiscation or nationalization or requisition of or damage by or under the order of any government or public local authority.","The cost of spectacles, contact lenses, hearing aids, crutches, dentures, artificial teeth and similar expenses.","External medical equipment of any kind used at home as post Hospitalization care","Congenital external diseases or defects or anomalies, growth hormone therapy, stem cell implantation or surgery except for Hematopoietic stem cells for bone marrow transplant for haematological conditions.","Vaccination or inoculation unless forming a part of post bite treatment or if medically necessary and forming a part of treatment recommended by the treating Medical Practitioner.","All non-medical Items as per Annexure II","Any medical treatment received outside India is not covered under this Policy.","Circumcision unless required for the treatment of Illness or Accidental bodily injury.","Treatment for any other system other than modern medicine (allopathy) and AYUSH therapies."],"display":"Standard permanent exclusions Excl04 to Excl18 and product specific exclusions including dental cosmetic/prosthesis treatment, war, spectacles/hearing aids, external home medical equipment, congenital external diseases, vaccination except specified cases, non-medical items, treatment outside India, circumcision except specified cases and non-allopathy/non-AYUSH treatment","note":"Excl13 appears split in the wording after the hydros/nature cure/spas exclusion.","quote":"Excl04 Investigation & Evaluation (Code-Excl04) ... Excl05 Rest Cure, rehabilitation and respite care (Code-Excl05) ... Obesity/Weight Control (Code-Excl06) ... Change-of-gender treatments (Code-Excl07) ... Cosmetic or plastic Surgery (Code-Excl08) ... Hazardous or Adventure sports: (Code- Excl09 ) ... Breach of law (Code-Excl10) ... Excluded Providers (Code-Excl11) ... Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. (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.\n2. War, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, commotion, unrest, rebellion, revolution, insurrection, military or usurped power or confiscation or nationalization or requisition of or damage by or under the order of any government or public local authority. ... The cost of spectacles, contact lenses, hearing aids, crutches, dentures, artificial teeth and similar expenses.\n4. External medical equipment of any kind used at home as post Hospitalization care ... Congenital external diseases or defects or anomalies, growth hormone therapy, stem cell implantation or surgery except for Hematopoietic stem cells for bone marrow transplant for haematological conditions.\n6. Vaccination or inoculation unless forming a part of post bite treatment or if medically necessary and forming a part of treatment recommended by the treating Medical Practitioner.\n7. All non-medical Items as per Annexure II\n8. Any medical treatment received outside India is not covered under this Policy.\n9. Circumcision unless required for the treatment of Illness or Accidental bodily injury.\n10. Treatment for any other system other than modern medicine (allopathy) and AYUSH therapies.","sources":[{"clause":"Excl04","heading":"Investigation & Evaluation (Code-Excl04)","page":13,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526/document/3141#c-excl04"},{"clause":"Excl05","heading":"Rest Cure, rehabilitation and respite care (Code-Excl05)","page":13,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526/document/3141#c-excl05"},{"clause":"3","heading":"Obesity/Weight Control (Code-Excl06)","page":13,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526/document/3141#c-3-4"},{"clause":"4","heading":"Change-of-gender treatments (Code-Excl07)","page":13,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526/document/3141#c-4-4"},{"clause":"5","heading":"Cosmetic or plastic Surgery (Code-Excl08)","page":13,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526/document/3141#c-5-4"},{"clause":"6","heading":"Hazardous or Adventure sports: (Code- Excl09 )","page":13,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526/document/3141#c-6-4"},{"clause":"7","heading":"Breach of law (Code-Excl10)","page":13,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526/document/3141#c-7-4"},{"clause":"8","heading":"Excluded Providers (Code-Excl11)","page":13,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526/document/3141#c-8-4"},{"clause":"9","heading":"Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof.","page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526/document/3141#c-9-4"},{"clause":"10","heading":null,"page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526/document/3141#c-10-4"},{"clause":"11","heading":null,"page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526/document/3141#c-11-4"},{"clause":"12","heading":"Refractive Error (Code-Excl15)","page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526/document/3141#c-12-4"},{"clause":"13","heading":"Unproven Treatments (Code-Excl16)","page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526/document/3141#c-13-3"},{"clause":"14","heading":"Sterility and Infertility (Code-Excl17)","page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526/document/3141#c-14-3"},{"clause":"15","heading":"Maternity: (Code Excl18)","page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526/document/3141#c-15-3"},{"clause":"15(ii)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526/document/3141#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 by giving 7 days written notice. If no claim has been made during the policy year, annual and instalment policies get pro-rata refund for the unexpired risk period; multi-year policies get full refund for future policy years and pro-rata refund for a started policy year. Medical examination expenses are deducted where applicable, and refund delay beyond 7 days carries interest at 2% above bank rate.","display":"7 days written notice; pro-rata refund for unexpired risk period if no claim; future policy years refunded in full; medical examination expenses may be deducted","note":null,"quote":"(A) Cancellation by the Policyholder 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.\no Cancellation of Policy where Premium Received on Instalment Basis The premium refund for the unexpired risk period will be on a pro-rata basis, provided no claim has been made during the Policy Year. ... expenses incurred by the Company on medical examination of the Policyholder will also be deducted before refunding of premium. ... In case of any delay in refund of premium beyond stipulated 7 days, the Company shall refund such amounts along with interest, at a rate 2% above the bank rate","sources":[{"clause":"7","heading":"Cancellation","page":16,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526/document/3141#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 payment is made within India in Indian rupees only.","display":"Within India only; payment within India in Indian Rupees 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":20,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526/document/3141#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","note":"Applicable at inception of the policy and 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":17,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526/document/3141#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":30},"display":"thirty days","note":"Fifteen days applies where premium payment mode is monthly; 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Day 0 to Unlimited","sources":[{"clause":null,"heading":"AapKe Liye - Andaman & Nicobar Island","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526/document/2934#c-aapke-liye-andaman-nicobar-island"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["Annual","Half Yearly","Quarterly","Monthly"],"display":"Annual (for long term policies only), Half Yearly, Quarterly or Monthly","note":"Annual instalments are stated for long term policies only.","quote":"If the Insured Person has opted for Payment of Premium on an instalment basis i.e. Annual (for long term polices only), Half Yearly, Quarterly or Monthly, as mentioned in the Policy Schedule","sources":[{"clause":"3","heading":"Premium Payment in Installments","page":15,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526/document/3141#c-3-5"}],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. 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Accidental Death Cover","sources":[{"clause":null,"heading":"OPTIONAL COVERS","page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526/document/3141#c-optional-covers"},{"clause":null,"heading":"1. Sum Insured Reinstatement","page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526/document/3141#c-1-sum-insured-reinstatement"},{"clause":null,"heading":"2. Procedure wise/ Disease wise- sublimit","page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526/document/3141#c-2-procedure-wise-disease-wise-sublimit"},{"clause":null,"heading":"3. 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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/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526/document/3141#c-17"},{"clause":"3","heading":"Premium Payment in Installments","page":15,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526/document/3141#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. 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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 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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":"Aapke Liye- Andaman & Nicobar Islands Policy Wordings","pages":30,"fetched_at":"2026-10-17 19:40:24+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/health-insurance/aapke-liye/aapke-liye-andaman-nicobar-islands/AapKe_Liye-Andaman_Nicobar_Islands_Policy_Wordings.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526/document/3141"},{"kind":"prospectus","label":"Aapke Liye- Andaman & Nicobar Islands Brochure","pages":15,"fetched_at":"2026-10-17 19:33:25+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/health-insurance/aapke-liye/prospectus/AapKe_Liye-Andaman_Nicobar_Islands_Prospectus.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526/document/2934"},{"kind":"cis","label":"Aapke Liye- Andaman & Nicobar Islands Policy Wordings","pages":6,"fetched_at":"2026-10-17 19:35:43+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/health-insurance/aapke-liye/aapke-liye-cis/AapKe_Liye-Andaman_Nicobar_Islands_CIS.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526/document/2991"},{"kind":"brochure","label":"Aapke Liye- Andaman & Nicobar Islands Policy Wordings","pages":11,"fetched_at":"2026-10-17 19:37:09+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/health-insurance/aapke-liye/aapke-liye-andaman-nicobar-islands/AapKe_Liye-Andaman_Nicobar_Islands_Brochure.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526/document/3044"}],"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":"Aapke Liye- Andaman & Nicobar Islands (UIN BAJHLIP26064V012526), IndiaInsurances, https://indiainsurances.com/policy/bajaj-general-insurance/aapke-liye-andaman-and-nicobar-islands-bajhlip26064v012526"}