{"uin":"BAJHLIP27081V012627","name":"My Family Complete","url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627","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":"My Family Complete is a Bajaj General indemnity health policy that covers family members and pet dogs or cats under one contract, on an individual or floater basis, with sums insured from Rs 5 lakh to Rs 5 crore and terms of 1 to 5 years. It pays hospitalisation in a single private AC room with 60 days pre and 90 days post hospitalisation, a 25% cumulative bonus up to 100% and sum insured reinstatement, after waiting periods of 30 days, 24 months for listed conditions and 36 months for pre-existing diseases.","analysis":{"state":"extracted","analysed_at":"2026-10-16 08:29:41.041077+00","note":"Every stated fact carries a verbatim quote found in the cited clause."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"No named plans. The prospectus answers 'What type of plans are available?' with 'Individual and Floater Policy', which are sum insured bases, not named plans.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"cross-checked","value":"One policy runs for 1, 2, 3, 4 or 5 years.","display":"1, 2, 3, 4 or 5 years","note":"Long term discounts apply when the full premium for a multi-year policy is paid in one payment.","quote":"What is the Policy Tenure available? 1 Year, 2 Years, 3 Years, 4 Years, 5 Years","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/304#c-s1"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"cross-checked","value":"Cashless: intimate 48 hours before a planned hospitalisation and within 24 hours of an emergency hospitalisation. Reimbursement: inform in writing within 48 hours of an emergency hospitalisation and 48 hours before a planned one.","display":"48 hours before planned admission; within 24 hours of emergency admission (48 hours for reimbursement)","note":"Reimbursement documents must be given within 30 days of discharge. Global Cover planned treatment needs at least 7 days' prior intimation. Waiver may be considered in extreme hardship.","quote":"In case of Planned hospitalization, You/the Insured Person/ Insured’s representative shall intimate such admission before 48 hours of such hospitalization. ... In case of Emergency hospitalization, You/ Insured Person/ Insured’s representative shall intimate such admission within 24 hours of such hospitalization. ... You or someone claiming on Your behalf must inform Us in writing immediately within 48 hours of Hospitalisation in case of emergency Hospitalisation and 48 hours prior to Hospitalisation in case of planned Hospitalisation","sources":[{"clause":"1(ii)","heading":null,"page":41,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-1-ii-3"},{"clause":"1(iii)","heading":null,"page":41,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-1-iii-3"},{"clause":"1(ix)","heading":null,"page":41,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-1-ix"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"cross-checked","value":["Duly filled Claim form with NEFT details & cancelled cheque","Discharge Summary / Discharge Certificate / Death Summary with Surgical & anesthetics notes","Indoor case papers, if available","Final Hospital Bill with break-up","Original Paid Receipt against the final Hospital Bill","Original bills towards Investigations done / Laboratory Bills","Investigation Reports","Ambulance bills and receipts, and transfer certificate (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, final bill and receipt, investigation bills and reports, first consultation letter, implant invoice","note":"Global Cover claims also need passport and visa copy and a Release of Medical Information Form; pet claims need vaccination certificates, vet medical papers and death certificate where applicable. The list is indicative.","quote":"1. Duly filled Claim form with NEFT details & cancelled cheque duly signed by Insured Person. ... 2. Original/Attested copies of Discharge Summary / Discharge Certificate / Death Summary with Surgical & anesthetics notes. ... 3. Attested copies of Indoor case papers, if available. ... 4. Original/Attested copies Final Hospital Bill with break-up of surgical charges, surgeon’s fees, OT charges etc. ... 5. Original Paid Receipt against the final Hospital Bill. ... 6. Original bills towards Investigations done / Laboratory Bills. ... 7. Original/Attested copies of Investigation Reports against Investigations done. ... 8. Original bills and receipts paid for the transportation from Registered Ambulance Service Provider. Treating Medical Practitioner certificate to transfer the Injured person/pet to a higher medical Centre for further treatment (if Applicable). ... 9. Cashless settlement letter or other company settlement letter. ... 10. First consultation letter for the current ailment. ... 11. In case of implant surgery, invoice & sticker.","sources":[{"clause":"2","heading":"List of Claim documents","page":42,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-2-11"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"cross-checked","value":"The insurer settles or rejects a claim within 15 days of receiving the last necessary document; where investigation is needed it is completed within 30 days and the claim is still settled or rejected within 15 days of the last document. Delay attracts interest at 2% above the bank rate.","display":"Within 15 days of the last necessary document","note":"Inside the wording, 'Paying a Claim' (Section I 15 iii) says the claim is settled within 30 days of the last necessary document and paid within 7 days of acceptance of the offer. The CIS gives '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. ... in any case not later than 30 days from the date of receipt of last necessary document. In such cases, the Company shall settle or reject the claim within 15 days from the date of receipt of last necessary document. ... at a rate 2% above the bank rate","sources":[{"clause":"5(i)","heading":null,"page":31,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-5-i"},{"clause":"5(iii)","heading":null,"page":31,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-5-iii"},{"clause":"5(iv)","heading":null,"page":32,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#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":"cross-checked","value":["Pre-existing diseases until 36 months of continuous cover (Excl01)","Listed conditions and surgeries until 24 months of continuous cover (Excl02)","Any illness within the first 30 days, except accidents (Excl03)","Admission primarily for diagnostics and evaluation (Excl04)","Rest cure, rehabilitation and respite care (Excl05)","Cosmetic or plastic surgery, except reconstruction after accident, burns or cancer (Excl08)","Hazardous or adventure sports as a professional (Excl09)","Alcoholism, drug or substance abuse (Excl12)","Refractive error less than 7.5 dioptres (Excl15)","Unproven treatments (Excl16)","Sterility and infertility (Excl17)","Maternity, unless Bundle of Joy is opted (Excl18)","War, invasion, acts of foreign enemies","All non-medical items as per Annexure II","Treatment received outside India, unless Global Cover is opted"],"display":"Waiting periods, standard IRDAI exclusions, maternity, war, non-medical items and treatment outside India","note":"Other exclusions include breach of law with criminal intent (Excl10), obesity surgery outside the stated criteria (Excl06), change of gender (Excl07), excluded providers (Excl11), health hydros (Excl13), dietary supplements (Excl14), dental treatment, spectacles and hearing aids, external equipment at home, congenital external anomalies, vaccination and circumcision. Pets have their own exclusions (Section G IV).","quote":"Pre-Existing Diseases Waiting Period (Code-Excl01) ... Expenses related to the treatment of a Pre-Existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months/specified number of months of continuous coverage ... Specified disease/procedure Waiting Period (Code-Excl02) ... Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 24 months/specified number of months of continuous coverage ... 3. 30-day Waiting Period (Code-Excl03) ... 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 ... Excl04 Investigation & Evaluation (Code-Excl04) ... Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded ... Excl05 Rest Cure, rehabilitation and respite care (Code-Excl05) ... Cosmetic or plastic Surgery (Code-Excl08) ... Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an Accident, Burn(s) or Cancer ... Hazardous or Adventure sports (Code- Excl09) ... Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports ... Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. (Code- Excl12). ... Refractive Error (Code-Excl15) ... Expenses related to the treatment for correction of eyesight due to refractive error less than 7.5 dioptres. ... Unproven Treatments (Code-Excl16) ... Sterility and Infertility (Code-Excl17) ... Maternity (Code Excl18) ... This exclusion stands deleted if Bundle of Joy is opted under the My Family Complete policy. ... 2. War, invasion, acts of foreign enemies ... 8. All non-medical Items as per Annexure II. ... 9. Any medical treatment received outside India is not covered under this Policy except in case of optional cover Global Cover is opted.","sources":[{"clause":"1","heading":"Pre-Existing Diseases Waiting Period (Code-Excl01)","page":27,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-1-7"},{"clause":"1(a)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-1-a-2"},{"clause":"2","heading":"Specified disease/procedure Waiting Period (Code-Excl02)","page":27,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-2-7"},{"clause":"2(a)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-2-a"},{"clause":"2(e)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-2-e"},{"clause":"2(a)","heading":null,"page":28,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-2-a-2"},{"clause":"Excl04","heading":"Investigation & Evaluation (Code-Excl04)","page":28,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-excl04"},{"clause":"Excl05","heading":"Rest Cure, rehabilitation and respite care (Code-Excl05)","page":28,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-excl05"},{"clause":"5","heading":"Cosmetic or plastic Surgery (Code-Excl08)","page":28,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-5-7"},{"clause":"6","heading":"Hazardous or Adventure sports (Code- Excl09)","page":29,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-6-6"},{"clause":"9","heading":null,"page":29,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-9-4"},{"clause":"12","heading":"Refractive Error (Code-Excl15)","page":29,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-12-4"},{"clause":"13","heading":"Unproven Treatments (Code-Excl16)","page":29,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-13-4"},{"clause":"14","heading":"Sterility and Infertility (Code-Excl17)","page":29,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-14-4"},{"clause":"15","heading":"Maternity (Code Excl18)","page":29,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-15-4"},{"clause":"15(iii)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-15-iii"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"cross-checked","value":"First contact the Customer Experience Team (website www.bajajgeneralinsurance.com, toll free 1800 209 5858, careforyou@bajajgeneral.com, or in writing to Bajaj Insurance House, Yerwada, Pune). If not satisfied, write to the Grievance Redressal Officer at ggro@bajajgeneral.com, then the care specialist or the Head of Customer experience. Senior citizens can call 1800-103-2529 or write to seniorcitizen@bajajgeneral.com.","display":"Customer Experience Team (1800 209 5858, careforyou@bajajgeneral.com), then GRO at ggro@bajajgeneral.com","note":"The CIS also gives 020-30305858 and WhatsApp +91 7507245858, and branch-wise GRO details.","quote":"Level 1 In case you have any concern, you may please reach out to our Customer Experience Team through any of the following options: ... • Our Website www.bajajgeneralinsurance.com ... • Call us on our Toll free no 1800 209 5858 ... • Mail us on careforyou@bajajgeneral.com ... • Write to Bajaj General Insurance Limited Bajaj Insurance House, Airport Road, Yerwada Pune- 411006 Level 2 In case you are not satisfied with the response given to you by our team, you may write to our Grievance Redressal Officer at ggro@bajajgeneral.com Level 3 If in case, your grievance is not resolved and you wish to talk to our care specialist, please Give a missed on +91 80809 45060 OR SMS to 575758 and our care specialist will call you back If you are still not satisfied with the solutions provided, write to Head of Customer experience directly at head.customerservice@bajajgeneral.com ... Senior citizens can now contact us on 1800-103-2529 or write to us at seniorcitizen@bajajgeneral.com","sources":[{"clause":"16","heading":"Redressal of Grievance","page":34,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-16-2"}],"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":"cross-checked","value":"Rs 5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 50 lakh, 75 lakh, 1 crore, 2 crore, 3 crore, 4 crore or 5 crore.","display":"Rs 5 lakh to Rs 5 crore (5, 7.5, 10, 15, 20, 25, 50, 75 lakh; 1, 2, 3, 4, 5 crore)","note":"Global Cover is for sum insured above 10 lakh and Health Limitless for 10 lakh and above. Annexure III of the prospectus shows deductible combinations with sums insured such as 30, 35 and 45 lakh that are not in this list.","quote":"What are the Sum Insured options available under the policy? 5 Lakh,7.5 Lakh,10 Lakh,15 Lakh ,20 Lakh, 25 Lakh,50 Lakh,75 Lakh,1 Cr, 2 Cr, 3 Cr, 4 Cr, 5 Cr","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/304#c-s1"}],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"cross-checked","value":{"unit":"days","amount":30},"display":"30 days","note":"Accidents are covered from day one. Not applied with more than twelve months of continuous prior cover. Applies afresh to an enhanced sum insured.","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. ... This exclusion shall not, however apply if the Insured Person/Insured Pet has continuous coverage for more than twelve months.","sources":[{"clause":"2(a)","heading":null,"page":28,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-2-a-2"},{"clause":"2(b)","heading":null,"page":28,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-2-b-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":"cross-checked","value":{"unit":"months","amount":36},"display":"36 months (or the period opted, shown in the schedule)","note":"The wording allows a different opted period shown in the schedule but does not list the options. The optional Insta Shield cover pays for declared and accepted chronic conditions (asthma, hypertension, hyperlipidemia, diabetes, obesity, hypothyroidism) after 30 days. Reduced by prior continuous cover under portability.","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/specified number of months of continuous coverage after the date of inception of the first My Family Complete Policy and the Policy Schedule with Us. The PED waiting period as opted would be specified on the Policy Schedule.","sources":[{"clause":"1(a)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-1-a-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"cross-checked","value":{"unit":"months","amount":24},"display":"24 months (or the period opted, shown in the schedule)","note":"Not applied to accidents. If a listed condition is also pre-existing, the longer waiting period applies. Applies afresh to an enhanced sum insured.","quote":"Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 24 months/specified number of months of continuous coverage after the date of inception of the first My Family Complete and the Policy Schedule with Us. This exclusion shall not be applicable for claims arising due to an Accident. The Specified Disease/Procedure Waiting Period as opted would be specified on the Policy Schedule","sources":[{"clause":"2(a)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#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":"cross-checked","value":["Any type gastrointestinal ulcers","Cataracts","Any type of fistula","Macular Degeneration","Benign prostatic hypertrophy","Hernia of all types","All types of sinuses","Fissure in ano","Haemorrhoids, piles","Hydrocele","Dysfunctional uterine bleeding","Fibromyoma","Endometriosis","Hysterectomy","Uterine Prolapse","Stones in the urinary and biliary systems","Surgery on ears/tonsils/adenoids/paranasal sinuses","Surgery on all internal or external tumours/cysts/nodules/polyps of any kind including breast lumps except malignancy","Diseases of gall bladder including cholecystitis","Pancreatitis","All forms of Cirrhosis","Gout and rheumatism","Surgery for varicose veins and varicose ulcers","Chronic Kidney Disease","Alzheimer's Disease","Joint replacement surgery","Surgery for vertebral column disorders (unless necessitated due to an Accident)","Surgery to correct deviated nasal septum","Hypertrophied turbinate","Congenital internal diseases or anomalies","Treatment for correction of eye sight due to refractive error greater or equal to 7.5","Bariatric Surgery"],"display":"Ulcers, cataract, fistula, hernia, piles, stones, joint replacement, spine surgery, bariatric surgery and others","note":"The two-column table is broken across lines in the wording; the CIS prints the same list.","quote":"1. Any type gastrointestinal ulcers | 2. Cataracts\n3. Any type of fistula | 4. Macular Degeneration\n5. Benign prostatic hypertrophy | 6. Hernia of all types\n7. All types of sinuses | 8. Fissure in ano\n9. Haemorrhoids, piles | 10. Hydrocele\n11. Dysfunctional uterine bleeding | 12. Fibromyoma\n13. Endometriosis | 14. Hysterectomy\n15. Uterine Prolapse | 16. Stones in the urinary and biliary systems\n17. Surgery on ears/tonsils/ adenoids/ | 18. Surgery on all internal or external tumours/\nparanasal sinuses | cysts/nodules/polyps of any kind including\nbreast lumps except malignancy\n19. Diseases of gall bladder including | 20. Pancreatitis\ncholecystitis\n21. All forms of Cirrhosis | 22. Gout and rheumatism\n23. Surgery for varicose veins and varicose | 24. Chronic Kidney Disease\nulcers\n25. Alzheimer’s Disease | 26. Joint replacement surgery\n27. Surgery for vertebral column disorders | 28. Surgery to correct deviated nasal septum\n(unless necessitated due to an Accident)\n29. Hypertrophied turbinate | 30. Congenital internal diseases or anomalies\n31. Treatment for correction of eye sight due to 32. Bariatric Surgery refractive error recommended by Ophthalmologist for medical reasons with refractive error greater or equal to 7.5","sources":[{"clause":"2(e)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#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":"cross-checked","value":{"unit":"months","amount":60},"display":"60 months","note":"Counted afresh on the enhanced part of the sum insured. After it, claims are contestable only for proven fraud and permanent exclusions.","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":33,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#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":"cross-checked","value":"Yes. The whole policy, with all family members and any insured pet, can be ported to another insurer by applying at least 30 days but not earlier than 60 days before renewal, keeping accrued continuity benefits in waiting periods.","display":"Yes, apply 30 to 60 days before renewal; waiting-period credit kept","note":"Migration to other Bajaj General products is also allowed, applying at least 30 days before renewal.","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 including Insured Pet, 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 Insured 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":33,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#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":"cross-checked","value":true,"display":"Yes, renewal age lifetime","note":"Renewal can be refused only for established fraud, non-disclosure or misrepresentation, or if the product is withdrawn.","quote":"Renewal age – Lifetime ... Your Policy shall be renewable except on grounds of established fraud or non-disclosure or misrepresentation by You, provided this Policy is not withdrawn","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/304#c-s1"},{"clause":"6(i)","heading":null,"page":32,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-6-i"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"cross-checked","value":"No. Renewal loadings are at portfolio level and not based on an individual policy's claim experience, and renewal cannot be denied because of claims.","display":"No loading for individual claims","note":"With the optional Age Shield, once a claim is paid the renewal premium moves to the current age band. A discount may be given for good claims experience.","quote":"For this Policy, the loadings on Renewal premium shall be at portfolio and not based upon any individual policy claim experience. ... We shall not deny the Renewal of this Policy on the ground that You have made a claim or claims in the preceding Policy Years","sources":[{"clause":"6(iv)","heading":null,"page":32,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-6-iv"},{"clause":"6(ii)","heading":null,"page":32,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-6-ii"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"cross-checked","value":["Investigation & Evaluation (Excl04)","Rest Cure, rehabilitation and respite care (Excl05)","Obesity/Weight Control (Excl06)","Change-of-gender treatments (Excl07)","Cosmetic or plastic Surgery (Excl08)","Hazardous or Adventure sports (Excl09)","Breach of law (Excl10)","Excluded Providers (Excl11)","Alcoholism, drug or substance abuse (Excl12)","Health hydros, nature cure clinics, spas (Excl13)","Dietary supplements without prescription (Excl14)","Refractive Error (Excl15)","Unproven Treatments (Excl16)","Sterility and Infertility (Excl17)","Maternity, unless Bundle of Joy is opted (Excl18)","Dental treatment unless from accidental injury requiring hospitalisation","War, invasion, acts of foreign enemies","Spectacles, contact lenses, hearing aids, crutches, dentures","External medical equipment used at home","Congenital external diseases or defects or anomalies, growth hormone therapy, stem cell implantation or surgery, except haematopoietic stem cells for bone marrow transplant","Vaccination or inoculation, except post bite or medically necessary treatment","All non-medical Items as per Annexure II","Treatment received outside India unless Global Cover is opted","Circumcision unless required for treatment","Treatment for any other system other than modern medicine (allopathy) and AYUSH therapies"],"display":"Standard IRDAI exclusions Excl04 to Excl18 plus the policy's own specific exclusions","note":"Excl06, Excl07 and Excl15 do not apply to insured pets; pets have their own exclusions (Section G IV). Excluded providers are paid up to stabilisation in life-threatening situations or after an accident. Specific exclusion 3 says terrorism expenses will be covered. The CIS adds 'Intentional self-injury', which the wording does not list.","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 ... (Code-Excl13) ... Dietary supplements and substances that can be purchased without prescription ... (Code-Excl14) ... Refractive Error (Code-Excl15) ... Unproven Treatments (Code-Excl16) ... Sterility and Infertility (Code-Excl17) ... Maternity (Code Excl18) ... This exclusion stands deleted if Bundle of Joy is opted under the My Family Complete policy. ... 1. 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. ... 2. War, invasion, acts of foreign enemies ... 4. The cost of spectacles, contact lenses, hearing aids, crutches, dentures, artificial teeth and similar expenses. ... 5. External medical equipment of any kind used at home as post Hospitalization care ... 6. 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 ... 7. Vaccination or inoculation unless forming a part of post bite treatment or if medically necessary ... 8. All non-medical Items as per Annexure II. ... 9. Any medical treatment received outside India is not covered under this Policy except in case of optional cover Global Cover is opted. ... 10. Circumcision unless required for the treatment of Illness or Accidental bodily injury. ... 11. Treatment for any other system other than modern medicine (allopathy) and AYUSH therapies.","sources":[{"clause":"Excl04","heading":"Investigation & Evaluation (Code-Excl04)","page":28,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-excl04"},{"clause":"Excl05","heading":"Rest Cure, rehabilitation and respite care (Code-Excl05)","page":28,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-excl05"},{"clause":"3","heading":"Obesity/Weight Control (Code-Excl06)","page":28,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-3-7"},{"clause":"4","heading":"Change-of-gender treatments (Code-Excl07)","page":28,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-4-7"},{"clause":"5","heading":"Cosmetic or plastic Surgery (Code-Excl08)","page":28,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-5-7"},{"clause":"6","heading":"Hazardous or Adventure sports (Code- Excl09)","page":29,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-6-6"},{"clause":"7","heading":"Breach of law (Code-Excl10)","page":29,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-7-4"},{"clause":"8","heading":"Excluded Providers (Code-Excl11)","page":29,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-8-4"},{"clause":"9","heading":null,"page":29,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-9-4"},{"clause":"10","heading":null,"page":29,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-10-4"},{"clause":"11","heading":null,"page":29,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-11-4"},{"clause":"12","heading":"Refractive Error (Code-Excl15)","page":29,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-12-4"},{"clause":"13","heading":"Unproven Treatments (Code-Excl16)","page":29,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-13-4"},{"clause":"14","heading":"Sterility and Infertility (Code-Excl17)","page":29,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-14-4"},{"clause":"15","heading":"Maternity (Code Excl18)","page":29,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-15-4"},{"clause":"15(iii)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-15-iii"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"cross-checked","value":"Cancel with 7 days' written notice. An annual policy gets a pro-rata refund for the unexpired period if no claim was made in the policy year; a multi-year policy gets a full refund for years not started and pro-rata for the current year if claim free. Medical examination costs are deducted.","display":"Pro-rata refund for the unexpired period, if no claim in the policy year","note":"Instalment premium policies: pro-rata refund if no claim in the policy year. No refund when the insurer cancels for misrepresentation, non-disclosure or fraud.","quote":"The Policyholder/Insured can cancel this Policy by providing a written notice of 7 days. ... 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. ... For any Policy Year where the risk date has not yet started, the premium will be refunded without any deduction. o 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. ... expenses incurred by the Company on medical examination of the Insured Persons will also be deducted before refunding of premium.","sources":[{"clause":"7","heading":"Cancellation","page":32,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#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":"cross-checked","value":"India only; treatment abroad is covered only if the optional Global Cover is bought.","display":"India only (worldwide with optional Global Cover)","note":"Global Cover (sum insured above 10 lakh) covers emergency and planned in-patient treatment worldwide except FATF grey and black list countries, with a mandatory co-payment.","quote":"All medical treatment for the purpose of the Policy Schedule will have to be taken in India only (except in case of optional cover - “Global Cover” is opted).","sources":[{"clause":"10","heading":"Territorial Jurisdiction and Territorial Limit","page":37,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-10-6"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"cross-checked","value":{"unit":"days","amount":30},"display":"30 days","note":"At inception only, not on renewal or porting. Refund less medical examination expenses and stamp duty, or proportionate risk premium if risk has started.","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":"17","heading":"Free Look Period","page":35,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-17-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"cross-checked","value":{"unit":"days","amount":30},"display":"30 days (15 days for monthly instalments)","note":null,"quote":"We shall condone a delay in Renewal up to the Grace Period (30 days) from the due date of Renewal without considering such condonation as a Break in Policy. ... The Grace Period of fifteen days (where premium is paid on a monthly instalments) and thirty days (where premium is paid in quarterly/half-yearly/annual instalments) is available on the premium due date, to pay the premium.","sources":[{"clause":"6(iii)","heading":null,"page":32,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-6-iii"},{"clause":"3","heading":"Premium Payment in Instalments","page":31,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-3-8"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"cross-checked","value":"Adults (proposer, spouse, dependent parents and other relatives) 18 years to unlimited; dependent children and grandchildren 3 months to 30 years; pets 3 months to unlimited.","display":"3 months to unlimited (adults 18 years and above; children 3 months to 30 years)","note":"Floater: proposer and spouse 18 years to unlimited, dependent children 3 months to 30 years. From the prospectus.","quote":"Individual Policy -Proposer /Spouse /Dependent Parents/ Dependent Sister/ Dependent Brother/ Dependent Parents-in-law/ Dependent Aunt/ Dependent Uncle - 18 years to unlimited Dependent Children/ Dependent Grandchildren: 3 months – 30 years Dependent Pet (Cat/Dog): 3 months - unlimited ... What is the entry age eligibility under the policy? 3 months to Unlimited","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/304#c-s1"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"cross-checked","value":["Annually","Half yearly","Quarterly","Monthly"],"display":"Annually, half-yearly, quarterly or monthly","note":"Multi-year policies can also be paid in one payment (long term discount).","quote":"What is premium paying term? Annually / Half yearly/ Quarterly or Monthly","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/304#c-s1"}],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"cross-checked","value":["Air Ambulance","Major Illness and Accident Multiplier (Indemnity)","Double Sum Insured Benefit","Cost Of Prescribed External Medical Aid","Super Cumulative Bonus","Consumables Plus","Global Cover (For SI above 10 Lakhs)","Health Limitless (For SI 10 Lakh & above)","Bundle Of Joy Benefit","NRInsure","Insta Shield","Age Shield","Walk to Win","No Claim Discount","Extended Pet Stay","Finding Your Pet Benefit","Long Term Care Cover","Pet Third Party Liability Cover","Paw Promise Benefit"],"display":"Air ambulance, sum insured multipliers, consumables, global cover, maternity lump sum, chronic-disease cover and pet add-ons","note":"Section E also lists 'Discount on Services' (special rates on OPD, diagnostics and pharmacy). Voluntary co-payment and voluntary aggregate deductible are also optional. Health Prime Rider is mentioned as a rider.","quote":"1 Air Ambulance ... 2 Major Illness and Accident Multiplier (Indemnity) ... 3 Double Sum Insured Benefit ... 4 Cost Of Prescribed External Medical Aid ... 5 Super Cumulative Bonus ... 6 Consumables Plus ... 7 Global Cover (For SI above 10 Lakhs) ... 8 Health Limitless (For SI 10 Lakh & above) ... 9 Bundle Of Joy Benefit ... 10 NRInsure ... 11 Insta Shield ... 12 Age Shield ... 13 Walk to Win ... 14 No Claim Discount ... Section F PET SPECIFIC OPTIONAL COVERS ... 1 Extended Pet Stay ... 2 Finding Your Pet Benefit ... 3 Long Term Care Cover ... 4 Pet Third Party Liability Cover ... 5 Paw Promise Benefit","sources":[{"clause":"1","heading":"Air Ambulance","page":17,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-1-4"},{"clause":"2","heading":"Major Illness and Accident Multiplier (Indemnity)","page":17,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-2-4"},{"clause":"3","heading":"Double Sum Insured Benefit","page":18,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-3-4"},{"clause":"4","heading":"Cost Of Prescribed External Medical Aid","page":18,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-4-4"},{"clause":"5","heading":"Super Cumulative Bonus","page":18,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-5-4"},{"clause":"6","heading":"Consumables Plus","page":18,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-6-4"},{"clause":"7","heading":"Global Cover (For SI above 10 Lakhs)","page":19,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-7-3"},{"clause":"8","heading":"Health Limitless (For SI 10 Lakh & above)","page":20,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-8-3"},{"clause":"9","heading":"Bundle Of Joy Benefit","page":20,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-9-3"},{"clause":"10","heading":"NRInsure","page":21,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-10-3"},{"clause":"11","heading":"Insta Shield","page":22,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-11-3"},{"clause":"12","heading":"Age Shield","page":23,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-12-3"},{"clause":"13","heading":"Walk to Win","page":24,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-13-3"},{"clause":"14","heading":"No Claim Discount","page":24,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-14-3"},{"clause":"Section F","heading":"PET SPECIFIC OPTIONAL COVERS","page":25,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-section-f"},{"clause":"1","heading":"Extended Pet Stay","page":25,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-1-6"},{"clause":"2","heading":"Finding Your Pet Benefit","page":25,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-2-6"},{"clause":"3","heading":"Long Term Care Cover","page":26,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-3-6"},{"clause":"4","heading":"Pet Third Party Liability Cover","page":26,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-4-6"},{"clause":"5","heading":"Paw Promise Benefit","page":26,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-5-6"}],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"cross-checked","value":"When premium is paid in instalments during the policy period, coverage is available for the grace period too. Otherwise the definition says coverage need not be available for the period for which no premium is received.","display":"Yes for instalment premiums; otherwise cover need not be available","note":null,"quote":"If the premium is paid in instalments during the Policy Period, coverage will be available for the Grace Period also. ... Coverage need not be available during the period for which no premium is received.","sources":[{"clause":"3","heading":"Premium Payment in Instalments","page":31,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-3-8"},{"clause":"17","heading":"Grace Period","page":3,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-17"}],"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":"cross-checked","value":"Room and boarding as a single private AC room, or as specified in the policy schedule; the insured can modify the room category to actuals.","display":"Single private AC room (or as in the schedule)","note":"A costlier room leads to proportionate deduction of other expenses. Under Global Cover planned treatment, up to single private room only.","quote":"i) Room and Boarding expenses as Single Private A/c room or as specified on the Policy Schedule. ... c) The Insured has an option to modify the room category to Actuals.","sources":[{"clause":"1","heading":"In-patient Hospitalisation Treatment/ Confinement","page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-1-3"}],"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":"cross-checked","value":"Single private AC room, unless the schedule specifies otherwise; option to modify the room category to actuals.","display":"Single private AC room","note":null,"quote":"i) Room and Boarding expenses as Single Private A/c room or as specified on the Policy Schedule. ... c) The Insured has an option to modify the room category to Actuals. ... Single Private Room means a single-occupancy air-conditioned room with an attached washroom/toilet, excluding suites.","sources":[{"clause":"1","heading":"In-patient Hospitalisation Treatment/ Confinement","page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-1-3"},{"clause":"46","heading":"Unproven/Experimental treatment","page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-46"}],"law":[]},{"key":"icu_limit","label":"ICU limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for intensive care.","status":"cross-checked","value":"ICU expenses are paid at actuals.","display":"At actuals","note":null,"quote":"ii) If admitted in ICU, the Company will pay up to ICU expenses at actuals.","sources":[{"clause":"1","heading":"In-patient Hospitalisation Treatment/ Confinement","page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-1-3"}],"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":"cross-checked","value":"Yes. If the room exceeds the opted limit or category, all other hospital expenses except pharmacy and medicines, medical consumables, implants, medical devices and diagnostics are paid in the same proportion. It does not apply in hospitals that do not follow differential billing.","display":"Yes, except medicines, consumables, implants, devices and diagnostics","note":null,"quote":"a) In case of admission to a room at rates/category exceeding the opted limits/category as mentioned under this cover, the reimbursement of all other expenses incurred at the Hospital, with the exception of cost of Pharmacy/medicines, Medical consumables, implants, medical devices & diagnostics, shall be payable in the same proportion as the admissible rate per day bears to the actual rate per day of room rent charges. ... b) Proportionate deductions shall not apply in respect of the Hospitals which do not follow differential billings or for those expenses in respect of which differential billing is not adopted based on the room category.","sources":[{"clause":"1","heading":"In-patient Hospitalisation Treatment/ Confinement","page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-1-3"}],"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":"cross-checked","value":"None unless the optional voluntary co-payment is chosen.","display":"None unless opted","note":"Voluntary co-payment options: 5%, 10%, 15% or 20%, for a premium discount. Global Cover (optional) carries a mandatory co-payment of 10%, 20%, 30%, 40% or 50%. Cannot be combined with the voluntary aggregate deductible.","quote":"If the co-payment option is opted, then a discount corresponding to the co-payment opted would be applicable. ... the Insured shall bear a 5% or 10% or 15% or 20% of the eligible claim amount payable ... Global Cover Mandatory co-payment options of 10%, 20%, 30%, 40%, 50%","sources":[{"clause":"17(a)","heading":null,"page":39,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-17-a"},{"clause":"17(d)","heading":null,"page":40,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-17-d"}],"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":"cross-checked","value":"None unless the optional voluntary aggregate deductible is chosen.","display":"None unless opted","note":"Voluntary aggregate deductible options range from Rs 50k to Rs 1 Cr (CIS; prospectus Annexure III gives the discount table). The optional Pet Third Party Liability Cover has a deductible of INR 5000 per claim.","quote":"If opted voluntarily and mentioned on the Policy Schedule that an Aggregate Deductible is opted, then a certain discount on the policy premium will be applicable. ... The Aggregate deductible will not be applicable on the claims of Insured Pets. ... Voluntary Aggregate Deductible | 50k – 1 Cr","sources":[{"clause":"17(b)","heading":null,"page":39,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-17-b"},{"clause":null,"heading":"Waiting Period","page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/305#c-waiting-period"}],"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":"cross-checked","value":["Cataract: 20% of sum insured per eye, max 1 lakh per eye, for sum insured up to 10 lakh; actual for sum insured above 10 lakh"],"display":"Cataract: 20% of sum insured, max Rs 1 lakh per eye (sum insured up to 10 lakh)","note":"The CIS also lists a Family Visit sub-limit of 25K up to 10 lakh sum insured and 50K above. The same cataract clause also says '20% of the Sum Insured for each eye, subject to maximum of INR 100,000 for each of You' without the SI split.","quote":"c) Cataract Our obligation to make payment in respect of surgeries for cataracts ... i) For SI up to 10 Lac - 20% of SI max 1 Lac per eye. ... ii) For SI above 10 Lac – Actual.","sources":[{"clause":"17(c)","heading":null,"page":40,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-17-c"}],"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":"cross-checked","value":{"unit":"days","amount":60},"display":"60 days","note":"Only for the same illness and if the in-patient claim is accepted. The CIS says 'Up to 60 days as per the option specified on the Policy Schedule'.","quote":"We will indemnify You for Reasonable and Customary Medical Expenses incurred by the Insured, for up to 60 days immediately before the Insured Person / Insured Pet was Hospitalised and up to Inpatient Hospitalization Treatment Sum Insured","sources":[{"clause":"2","heading":"Pre-Hospitalisation Medical Expense","page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-2-3"}],"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":"cross-checked","value":{"unit":"days","amount":90},"display":"90 days","note":"Only for the same illness and if the in-patient claim is accepted. The CIS says 'Up to 90 days as per the option specified on the Policy Schedule'.","quote":"We will indemnify You for Reasonable and Customary Medical Expenses incurred by the Insured, up to 90 days immediately after the Insured Person / Insured Pet was discharged and up to Inpatient Hospitalization Treatment Sum Insured","sources":[{"clause":"3","heading":"Post-Hospitalisation Medical Expense","page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-3-3"}],"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":"cross-checked","value":"Day care procedures are covered up to the in-patient sum insured. Annexure I-A is an indicative list; any other procedure needing less than 24 hours because of technological advances is also covered.","display":"All day care procedures, up to the sum insured","note":"Not in the outpatient department. Annexure I-B lists day care procedures for pets.","quote":"We will indemnify You against the Reasonable and Customary Medical Expenses up to “In-Patient Hospitalization Treatment” Sum Insured for Day Care Procedures / surgeries undertaken by the Insured Person / Insured Pet as an In-Patient in a Hospital or Day care center but not in the Outpatient department. ... Above mentioned list is a indicative list of procedures, any other surgeries/procedures requiring less than 24 hours hospitalisation due to technological advances will also be covered under this policy","sources":[{"clause":"6","heading":"Day Care Treatment","page":13,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-6-3"},{"clause":"2(b)(i)","heading":"Above mentioned list","page":53,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-2-b-i"}],"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":"cross-checked","value":"Covered up to the in-patient sum insured when, on the doctor's advice, treatment is taken at home because the patient cannot be moved or no hospital room is available, and it lasts more than 3 days. Listed conditions such as asthma, diabetes, hypertension and psychiatric disorders are not covered.","display":"Yes, up to the sum insured, if more than 3 days","note":"Also excluded: bronchitis, tonsillitis, coughs and colds, influenza, arthritis, gout, rheumatism, chronic nephritis, diarrhoea and dysenteries, epilepsy, pyrexia of unknown origin and vector-borne diseases.","quote":"We will indemnify You against Reasonable and Customary Medical Expenses, up to In-patient Hospitalization Treatment Sum Insured, incurred for Medical Treatment of the Insured Person/ Insured Pet ... on the advice of the attending Medical Practitioner, is taken whilst confined at home under any of the following circumstances. ... 1. The condition of the patient is such that he/she is not in a condition to be moved to a Hospital; or ... 2. The Insured takes treatment at home on account of non-availability of room in a hospital; ... 3. Domiciliary Hospitalization should exceed 3 days. ... a) Asthma ... e) Diabetes Mellitus and Insipidus, ... g) Hypertension, ... h) Psychiatric or Psychosomatic Disorders of all kinds,","sources":[{"clause":"9","heading":"Domiciliary Hospitalization","page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-9-2"}],"law":[]},{"key":"ayush","label":"AYUSH treatment","section":"Cover","meaning":"Ayurveda, Yoga, Unani, Siddha and Homeopathy treatment in a recognised hospital, and any limit.","status":"cross-checked","value":"AYUSH in-patient treatment in an AYUSH hospital for at least 24 hours is covered up to the in-patient sum insured, with room rent as per the in-patient room limit.","display":"Covered up to the sum insured (24 hours admission)","note":"Outpatient AYUSH and comfort treatments (steam bath, sauna, oil massage) are excluded. Not available for pets.","quote":"If Insured Person is hospitalized in an AYUSH Hospital for a period not less than 24 hours on the advice of a Medical Practitioner ... then We will indemnify You against Reasonable and Customary Medical Expenses incurred for AYUSH treatment up to “In-patient Hospitalization Treatment” Sum Insured. ... i) Room rent, boarding expenses as per the Room limit/category specified on the Policy Schedule for “In-patient Hospitalization Treatment”;","sources":[{"clause":"5","heading":"AYUSH Hospitalization Cover","page":13,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-5-3"}],"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":"cross-checked","value":"Covered up to the in-patient sum insured: uterine artery embolization, HIFU, balloon sinuplasty, deep brain stimulation, oral chemotherapy, immunotherapy (monoclonal antibody injection), intra-vitreal injections, robotic surgeries, stereotactic radio surgeries, bronchial thermoplasty, vaporisation of the prostate, IONM and haematopoietic stem cell therapy for bone marrow transplant.","display":"Covered up to the in-patient sum insured, no separate cap","note":"For pets, uterine artery embolization, balloon sinuplasty, deep brain stimulation, bronchial thermoplasty, prostate vaporisation and stem cell therapy are excluded.","quote":"We will indemnify You against all the eligible Reasonable and Customary Medical Expenses incurred if Insured Person / Insured Pet undergoes procedures as listed below, maximum up to “In-Patient Hospitalization Treatment” Sum Insured. ... Uterine Artery Embolization | Covered ... High Intensity Focused Ultrasound | Covered ... Balloon Sinuplasty | Covered ... Deep Brain stimulation | Covered ... Oral chemotherapy | Covered ... Immunotherapy- Monoclonal Antibody to be given as injection | Covered ... Intra-vitreal injections | Covered ... Robotic surgeries | Covered ... Stereotactic radio surgeries | Covered ... Bronchial Thermoplasty | Covered ... Vaporisation of the prostrate (Green laser treatment or holmium laser treatment) | Covered ... IONM - (Intra Operative Neuro Monitoring) | Covered ... Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered. | Covered","sources":[{"clause":"4","heading":"Modern Treatment Methods and Advancement in Technologies","page":13,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-4-3"}],"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":"cross-checked","value":"Yes. The donor's treatment for harvesting the organ is paid up to the in-patient sum insured when the insured is the recipient and the in-patient claim is accepted. Donor pre and post hospitalisation expenses are not paid.","display":"Yes, up to the sum insured (harvesting costs only)","note":"Sum insured reinstatement, Double Sum Insured, Major Illness Multiplier and Health Limitless do not apply to this cover.","quote":"We will indemnify You against the expenses incurred towards organ donor’s treatment for harvesting of the donated organ up to In-Patient Hospitalization Treatment Sum Insured ... iii) We will pay if Insured is the receiver of the organ. ... a) Pre and Post-Hospitalization expenses, and any other consequential medical expenses in respect of donor are not payable.","sources":[{"clause":"7","heading":"Organ Donor Expenses","page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-7-2"},{"clause":"7(iii)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-7-iii"},{"clause":"7(a)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-7-a"}],"law":[]},{"key":"ambulance","label":"Ambulance cover","section":"Cover","meaning":"Road (and air) ambulance cover and its limit.","status":"cross-checked","value":"Road ambulance to the nearest hospital in an emergency, or between hospitals for higher facilities, is covered up to the in-patient sum insured. Air ambulance is an optional cover up to 10 lakhs within India.","display":"Road ambulance up to the sum insured; air ambulance optional, up to Rs 10 lakh","note":"Road ambulance needs a certified life-threatening emergency and an accepted in-patient or day care claim.","quote":"We will indemnify You against the Reasonable and Customary expenses, up to In-patient Hospitalization Sum Insured, incurred on a road ambulance ... The claim under this cover would be reimbursed up to the actual expenses subject to a maximum of 10 lakhs as specified under the Air Ambulance Cover in the Policy Schedule ... This cover is applicable only for Air Ambulance facility availed within the Indian Geographical limits;","sources":[{"clause":"8","heading":"Road Ambulance","page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-8-2"},{"clause":"1","heading":"Air Ambulance","page":17,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-1-4"}],"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":"conflicting","value":"The in-patient sum insured is reinstated unlimited times in a policy year. A later claim by the same insured can use it only if that hospitalisation is at least 15 days after discharge (not needed for another insured). Per-claim liability is capped at the in-patient sum insured and the benefit does not carry forward.","display":"Unlimited times a year; 15-day gap for the same insured","note":"CIS section 12 says 'the base Sum Insured will be restored one time'; the wording, the prospectus and the CIS limits table say unlimited times. The CIS says the policy document prevails. Same-illness use is not addressed beyond the 15-day gap. Not available for organ donor or Global Cover claims.","quote":"The In-patient Hospitalisation Treatment Sum Insured would be “reinstated” unlimited times as specified in the Policy Schedule for the particular Policy Year ... provided that the subsequent hospitalization is after a gap of at least 15 days from the date of discharge. This 15-day period is not applicable if the subsequent claim is for the other Insured. ... For any claim under this benefit, the maximum liability per claim shall not exceed the In-patient Hospitalization Sum Insured. ... In case Sum Insured and Cumulative Bonus or Super Cumulative Bonus (if any) is exhausted during the Policy Year, then the base Sum Insured will be restored one time.","sources":[{"clause":"12","heading":"Sum Insured Reinstatement","page":15,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-12-2"},{"clause":"12","heading":"Sum Insured Reinstatement","page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/305#c-12"}],"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":"cross-checked","value":"Cumulative Bonus of 25% of the base sum insured for each claim-free year, up to 100%. If a claim is made, the accrued bonus is reduced at the same rate it accrued; the sum insured itself is not reduced.","display":"25% a claim-free year, up to 100%","note":"Optional Super Cumulative Bonus (CIS: 50% or 100% a year up to 200%, 500% or 600%) replaces it and is not reduced if paid claims do not exceed INR 100,000 in a year. The optional No Claim Discount replaces bonus with a renewal discount (3% in the wording, 1.5% in the CIS).","quote":"Cumulative Bonus (“CB”) will be increased by 25% of In-patient Hospitalisation Treatment (Base) Sum Insured per annum subject to maximum up to 100%, as specified in the Policy Schedule in respect of each claim free policy year (no claims are reported), provided the Policy is renewed with the company without a break. If a claim is made in any particular Policy Year, the cumulative bonus accrued shall be reduced at the same rate at which it has accrued.","sources":[{"clause":"11","heading":"Cumulative Bonus","page":15,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-11-2"}],"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":"cross-checked","value":"Medical consumables are listed among in-patient expenses, but all non-medical items in Annexure II are excluded unless the optional Consumables Plus cover is bought, which pays them up to the in-patient sum insured.","display":"Non-medical items excluded unless Consumables Plus is opted","note":"Consumables Plus is not available outside India even with Global Cover.","quote":"vi) Medicines & Drugs, Medical Consumables, Dialysis, Chemotherapy, Radiotherapy, Physiotherapy. ... 8. All non-medical Items as per Annexure II. ... If this cover is opted, We will indemnify You against the Non-Medical Expenses/ consumables incurred during treatment of the Insured Person / Insured Pet during the Policy Period up to Inpatient hospitalisation treatment Sum Insured","sources":[{"clause":"1","heading":"In-patient Hospitalisation Treatment/ Confinement","page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-1-3"},{"clause":"15(iii)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-15-iii"},{"clause":"6","heading":"Consumables Plus","page":18,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-6-4"}],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Whether childbirth costs are covered, the limit and the waiting period.","status":"cross-checked","value":"Childbirth and termination of pregnancy are excluded (Excl18). With the optional Bundle of Joy Benefit, a lump sum (amount as in the schedule) is paid on the birth of a child after a 12 month waiting period, once a policy year and twice in a lifetime, and the maternity exclusion is deleted.","display":"Excluded; optional Bundle of Joy pays a lump sum after 12 months","note":"Ectopic pregnancy is not excluded. The lump sum amount is not printed in the documents.","quote":"Maternity (Code Excl18) ... i) Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during Hospitalization) except ectopic pregnancy; ... iii) This exclusion stands deleted if Bundle of Joy is opted under the My Family Complete policy. ... We will pay You a one-time lump sum benefit, as specified in the Policy Schedule, on ... The benefit is payable once in a Policy Year and twice during the lifetime of the Insured Person and/or the Insured Pet, provided the birth or delivery occurs after completion of a continuous waiting period of 12 months","sources":[{"clause":"15","heading":"Maternity (Code Excl18)","page":29,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-15-4"},{"clause":"15(i)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-15-i"},{"clause":"15(iii)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-15-iii"},{"clause":"9","heading":"Bundle Of Joy Benefit","page":20,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-9-3"}],"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":"The wording defines 'Newborn Baby' (born during the Policy Period and aged up to 90 days) but no clause covers a newborn. Dependent children can enter from 3 months.","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":"No clause on in-patient mental illness treatment. Domiciliary cover excludes 'Psychiatric or Psychosomatic Disorders of all kinds'.","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":"No preventive health check-up benefit for insured persons. The pet conditions require the insured to arrange a yearly pet health check at own cost.","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":"cross-checked","value":"OPD is not covered: expenses where in-patient care is not required are excluded and day care is not paid in the outpatient department. The insured may get special rates on OPD, diagnostics and pharmacy services through the network.","display":"Not covered; discounted rates only","note":"The general exclusion of expenses where in-patient care is not required is printed in the CIS specific exclusions; the wording does not list it but pays only in-patient, day care and domiciliary treatment, and AYUSH out-patient treatment is excluded. 'Discount on Services' gives only special rates, not cover.","quote":"2. Medical expenses where Inpatient care and medical supervision is not required. ... Day Care Procedures / surgeries undertaken by the Insured Person / Insured Pet as an In-Patient in a Hospital or Day care center but not in the Outpatient department ... The Insured may have access to special rates on services such as OPD, Diagnostics, Pharmacy and other wellness services through Network as available on the Company’s website/ app.","sources":[{"clause":"15(f)(iii)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/305#c-15-f-iii"},{"clause":"6","heading":"Day Care Treatment","page":13,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-6-3"},{"clause":"15","heading":"Discount on Services","page":24,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-15-3"}],"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":"cross-checked","value":"Yes, premium depends on the residential zone: Zone B pays 15% less and Zone C 25% less than the Zone A premium.","display":"Yes: Zone B 15% and Zone C 25% discount on Zone A premium","note":"Zone A: Delhi/NCR, Mumbai region, Hyderabad and Secunderabad, Kolkata, Ahmedabad, Vadodara, Surat. Zone C: listed states and UTs. Zone B: rest of India. Based on residence, not the city of treatment.","quote":"vi. Zone Discount Below discount will be applicable based on residential address of the proposer or insured person. ... • Residential address in Zone B: 15% on Zone A Premium. ... • Residential address in Zone C: 25% on Zone A Premium.","sources":[{"clause":"12(d)","heading":null,"page":38,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-12-d"}],"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":"cross-checked","value":"Cashless treatment is available at network hospitals with pre-authorisation, and also in hospitals outside the network that meet the IRDAI definition of a hospital (Cashless Everywhere).","display":"Yes, at network hospitals and other qualifying hospitals","note":"Pre-authorisation response within 1 hour and final discharge authorisation within 3 hours. Global Cover is available on cashless and reimbursement basis.","quote":"Cashless treatment is available at Network Hospitals. ... We offer Cashless Everywhere, even in hospitals which are not part of our network subject to hospitals fullfiing IRDAI definition of Hospital facility.","sources":[{"clause":"1","heading":"Claims Procedure","page":41,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-1-11"},{"clause":"1(iv)","heading":null,"page":41,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-1-iv-2"}],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"cross-checked","value":"Claims are settled by the insurer's in-house claims team; the insurer may engage a TPA at its discretion.","display":"Insurer (in-house claims team)","note":null,"quote":"All Claims will be settled by In house claims settlement team of the Company. However, the Company reserves right to engage TPA at any time, at the sole discretion of the Company.","sources":[{"clause":"1","heading":"Claims Procedure","page":41,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-1-11"}],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"cross-checked","value":true,"display":"Yes, individual or floater","note":"Floater covers proposer, spouse and dependent children, and pets; parents and parents-in-law need a separate floater.","quote":"What type of plans are available? Individual and Floater Policy ... For the purpose of Family Floater policy- includes the Insured Person; his/her lawfully wedded spouse, dependent children.","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/304#c-s1"},{"clause":"46","heading":"Unproven/Experimental treatment","page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303#c-46"}],"law":[]}],"documents":[{"kind":"wording","label":"My Family Complete Policy Wordings","pages":58,"fetched_at":"2026-10-16 08:29:40.81052+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/health-insurance/my-family-complete/My-Family-Complete_Policy-Wordings.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/303"},{"kind":"prospectus","label":"My Family Complete Prospectus","pages":50,"fetched_at":"2026-10-16 08:29:40.81052+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/health-insurance/my-family-complete/My-Family-Complete_Prospectus.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/304"},{"kind":"cis","label":"My Family Complete Customer Information Sheet","pages":11,"fetched_at":"2026-10-16 08:29:40.81052+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/health-insurance/my-family-complete/My-Family-Complete_CIS.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627/document/305"}],"versions":[],"where_to_buy":[],"claims_and_complaints":[],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"My Family Complete (UIN BAJHLIP27081V012627), IndiaInsurances, https://indiainsurances.com/policy/bajaj-general-insurance/my-family-complete-bajhlip27081v012627"}