{"uin":"BAJHLIP27082V012627","name":"My Infinite Care","url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627","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 Infinite Care is a Bajaj General individual or family floater health indemnity policy with a Sum Insured of 5 lakh, 10 lakh or Unlimited, for 1 to 5 years, with entry from 3 months and lifetime renewal. It pays a single private AC room, ICU at actuals, 90 days pre and 180 days post hospitalisation, unlimited Sum Insured reinstatement and a 50% a year cumulative bonus up to 100% irrespective of claims, with 30-day, 24-month specific and 36-month pre-existing disease waiting periods.","analysis":{"state":"extracted","analysed_at":"2026-10-16 08:29:41.408873+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 product is sold as an Individual or a Floater policy with Sum Insured 5 Lakh, 10 Lakh or Unlimited; those are cover types and amounts, not 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":"1, 2, 3, 4 or 5 years.","display":"1, 2, 3, 4 or 5 years","note":"Long term discount of 4% to 10.5% for 2 to 5 year policies paid in a single payment.","quote":"What is the Policy Tenure available? 1 Year, 2 Years, 3 Years, 4 Years, 5 Years ... 4% discount is applicable if Policy is opted for 2 years. ... 10.5% discount is applicable if Policy is opted for 5 years.","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/307#c-s1"},{"clause":"11(a)","heading":null,"page":47,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-11-a"},{"clause":"11(d)","heading":null,"page":48,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-11-d"}],"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":"Planned hospitalisation: tell the insurer 48 hours before admission. Emergency: within 24 hours of admission for cashless, within 48 hours for reimbursement.","display":"48 hours before planned admission; within 24 hours of emergency admission (cashless) or 48 hours (reimbursement)","note":"Reimbursement documents within 30 days of discharge. 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":52,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-1-ii"},{"clause":"1(iii)","heading":null,"page":52,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-1-iii"},{"clause":"1(x)","heading":null,"page":52,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-1-x"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"cross-checked","value":["Claim form with NEFT details & cancelled cheque duly signed by Insured Person","Original/Attested copies of Discharge Summary / Discharge Certificate / Death Summary with Surgical & anesthetics notes","Attested copies of Indoor case papers, if available","Original/Attested copies Final Hospital Bill with break-up of surgical charges, surgeon's fees, OT charges etc.","Original Paid Receipt against the final Hospital Bill","Original bills towards Investigations done / Laboratory Bills","Original/Attested copies of Investigation Reports against Investigations done","Original bills and receipts paid for the transportation from Registered Ambulance Service Provider","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, hospital bills and receipts, investigation bills and reports, ambulance bills, first consultation letter, implant invoice","note":"Indicative list; the insurer may ask for more. Death certificate for Renewal Premium Waiver; passport and visa copies and ROMIF for Global Cover.","quote":"1. 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. ... 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":"1(x)","heading":null,"page":52,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-1-x"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"conflicting","value":"The claim is settled or rejected within 15 days of receipt of the last necessary document; with an investigation, the investigation ends within 30 days and the claim is still decided within 15 days of the last document. Delay carries interest at 2% above the bank rate.","display":"15 days from the last necessary document","note":"CIS says: 'TAT for claim settlement: 15 Working Days'; the policy wording says 15 days. Payment within 7 days of accepting the settlement offer. Cashless pre-authorisation within 1 hour and final bill authorisation within 3 hours.","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. ... the Company shall be liable to pay interest, to the Insured Person from the date of receipt of last necessary document to the date of payment of claim, at a rate 2% above the bank rate. ... 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. ... TAT for claim settlement: 15 Working Days ... the payment of the amount due shall be made within 7 days from the date of acceptance of the offer by the Insured Person","sources":[{"clause":"5(i)","heading":null,"page":41,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-5-i"},{"clause":"5(ii)","heading":null,"page":41,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-5-ii"},{"clause":"5(iii)","heading":null,"page":41,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-5-iii"},{"clause":"Excl01","heading":null,"page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/308#c-excl01"},{"clause":"15(iii)","heading":null,"page":50,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-15-iii"}],"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 coverage (Excl01)","Specified diseases/procedures until 24 months of continuous coverage (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)","Obesity/weight control surgery not meeting the conditions (Excl06)","Change-of-gender treatments (Excl07)","Cosmetic or plastic surgery (Excl08)","Hazardous or adventure sports as a professional (Excl09)","Breach of law with criminal intent (Excl10)","Alcoholism, drug or substance abuse (Excl12)","Refractive error less than 7.5 dioptres (Excl15)","Unproven treatments (Excl16)","Sterility and infertility (Excl17)","Maternity (Excl18), unless the Maternity Package is opted","War, invasion, acts of foreign enemies","All non-medical items as per Annexure II","Medical treatment received outside India, unless Global Cover is opted"],"display":"Waiting periods (Excl01 to Excl03), the standard exclusions Excl04 to Excl18, war, non-medical items and treatment outside India","note":"The Specific exclusions also exclude cosmetic dental treatment, spectacles and hearing aids, external equipment used at home, congenital external anomalies, vaccination (with exceptions), circumcision and non-allopathy/AYUSH systems; Excluded Providers (Excl11), health hydros (Excl13) and non-prescribed supplements (Excl14) are also excluded. CIS also lists 'Intentional self-injury', which the policy wording does not print.","quote":"Pre-Existing Diseases Waiting Period (Code-Excl01) ... excluded until the expiry of 36 months of continuous coverage ... Specified disease/procedure Waiting Period (Code-Excl02) ... excluded until the expiry of 24 months of continuous coverage ... 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 ... Excl05 Rest Cure, rehabilitation and respite care ... Obesity/Weight Control (Code-Excl06) ... Change-of-gender treatments (Code-Excl07) ... Cosmetic or plastic Surgery (Code-Excl08) ... Hazardous or Adventure sports: (Code- Excl09) ... participation as a professional in hazardous or adventure sports ... Breach of law (Code-Excl10) ... breach of law with criminal intent ... Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. ... Excl12 ... Refractive Error (Code-Excl15) ... refractive error less than 7.5 dioptres ... Unproven Treatments (Code-Excl16) ... Sterility and Infertility (Code-Excl17) ... Maternity: (Code Excl18) ... This exclusion stands deleted if optional cover of Maternity Package Expenses is opted ... War, invasion, acts of foreign enemies ... All non-medical Items as per Annexure II. ... Any medical treatment received outside India is not covered under this Policy except in case of optional cover - Global Cover is opted. ... 7. Intentional self-injury.","sources":[{"clause":"1","heading":"Pre-Existing Diseases Waiting Period (Code-Excl01)","page":34,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-1-4"},{"clause":"2","heading":"Specified disease/procedure Waiting Period (Code-Excl02)","page":34,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-2-4"},{"clause":"2(a)","heading":null,"page":34,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-2-a"},{"clause":"2(e)","heading":null,"page":34,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-2-e"},{"clause":"2(a)","heading":null,"page":35,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-2-a-2"},{"clause":"Excl04","heading":"Investigation & Evaluation (Code-Excl04)","page":35,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-excl04"},{"clause":"Excl05","heading":"Rest Cure, rehabilitation and respite care (Code-Excl05)","page":35,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-excl05"},{"clause":"3","heading":"Obesity/Weight Control (Code-Excl06)","page":35,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-3-4"},{"clause":"4","heading":"Change-of-gender treatments (Code-Excl07)","page":36,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-4-4"},{"clause":"5","heading":"Cosmetic or plastic Surgery (Code-Excl08)","page":36,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-5-4"},{"clause":"6","heading":"Hazardous or Adventure sports: (Code- Excl09)","page":36,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-6-4"},{"clause":"7","heading":"Breach of law (Code-Excl10)","page":36,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-7-4"},{"clause":"9","heading":null,"page":36,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-9-4"},{"clause":"Excl12","heading":null,"page":36,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-excl12"},{"clause":"12","heading":"Refractive Error (Code-Excl15)","page":36,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-12-4"},{"clause":"13","heading":"Unproven Treatments (Code-Excl16)","page":36,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-13-4"},{"clause":"14","heading":"Sterility and Infertility (Code-Excl17)","page":37,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-14-4"},{"clause":"15","heading":"Maternity: (Code Excl18)","page":37,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-15-4"},{"clause":"15(ii)","heading":null,"page":37,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-15-ii"},{"clause":"13(h)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/308#c-13-h"}],"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":"Level 1: the Customer Experience Team (website www.bajajgeneralinsurance.com, toll free 1800 209 5858, careforyou@bajajgeneral.com, or by post to Bajaj Insurance House, Pune). Level 2: the Grievance Redressal Officer at ggro@bajajgeneral.com. Level 3: missed call or SMS to the care specialist, then the Head of Customer experience.","display":"Customer Experience Team (1800 209 5858, careforyou@bajajgeneral.com), then the Grievance Redressal Officer (ggro@bajajgeneral.com)","note":"Senior citizens: 1800-103-2529 or seniorcitizen@bajajgeneral.com. Then the Insurance Ombudsman. CIS also gives WhatsApp +91 7507245858.","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","sources":[{"clause":"16","heading":"Redressal of Grievance","page":44,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-16-4"}],"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":"5 Lakh, 10 Lakh or Unlimited.","display":"Rs 5 lakh, Rs 10 lakh or Unlimited","note":null,"quote":"What are the Sum Insured options available under the policy? 5 Lakh, 10 Lakh, Unlimited","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/307#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. Does not apply if the Insured Person has continuous coverage for more than twelve months; applies again 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 has continuous coverage for more than twelve months. ... The within referred Waiting Period is made applicable to extent of the enhanced Sum Insured","sources":[{"clause":"2(a)","heading":null,"page":35,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-2-a-2"},{"clause":"2(b)","heading":null,"page":35,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-2-b-2"},{"clause":"2(c)","heading":null,"page":35,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-2-c-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","note":"Optional Waiting Period Options cover reduces it to 12 or 24 months. Optional Chronic Care covers listed declared chronic conditions 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 of continuous coverage after the date of inception of the first My Infinite Care Policy and the Policy Schedule with Us. ... Option 1. 12 months Option 2. 24 months ... from the 31st day of Policy inception date after completion of the first 30 days from the date of commencement of this optional cover ... waiting period for the same would be reduced to the extent of prior coverage","sources":[{"clause":"1","heading":"Pre-Existing Diseases Waiting Period (Code-Excl01)","page":34,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-1-4"},{"clause":"33","heading":"Waiting Period Options","page":33,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-33-3"},{"clause":"13(e)(vi)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-13-e-vi"}],"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","note":"Optional Waiting Period Options cover reduces it to 12 months. Not applicable to accident claims. If the condition is also pre-existing, the longer waiting period applies.","quote":"Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the first My Infinite Care and the Policy Schedule with Us. This exclusion shall not be applicable for claims arising due to an Accident. ... B. Change in Specific Disease Waiting Period ... Option 1. 12 months ... If any of the specified disease/procedure falls under the waiting period specified for Pre-Existing diseases, then the longer of the two waiting periods shall apply.","sources":[{"clause":"2(a)","heading":null,"page":34,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-2-a"},{"clause":"33","heading":"Waiting Period Options","page":33,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-33-3"},{"clause":"2(b)","heading":null,"page":34,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-2-b"}],"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 of 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 eyesight due to refractive error greater or equal to 7.5","Bariatric Surgery"],"display":"Ulcers, cataract, hernia, piles, joint replacement, gall bladder and urinary stones, ENT and tumour surgery and the other listed conditions","note":"The two-column table is broken across lines in the wording; the item split here follows the printed numbering 1 to 32.","quote":"1. Any type of gastrointestinal ulcers | 2. Cataracts 3. Any type of fistula | 4. Macular Degeneration 5. Benign prostatic hypertrophy | 6. Hernia of all types 7. All types of sinuses | 8. Fissure in ano 9. Haemorrhoids, piles | 10. Hydrocele 11. Dysfunctional uterine bleeding | 12. Fibromyoma 13. Endometriosis | 14. Hysterectomy 15. Uterine Prolapse | 16. Stones in the urinary and biliary systems 17. Surgery on ears/tonsils/ adenoids/ | 18. Surgery on all internal or external tumours/ paranasal sinuses | cysts/nodules/polyps of any kind including breast lumps except malignancy 19. Diseases of gall bladder including | 20. Pancreatitis cholecystitis 21. All forms of Cirrhosis | 22. Gout and rheumatism 23. Surgery for varicose veins and varicose | 24. Chronic Kidney Disease ulcers 25. Alzheimer's Disease | 26. Joint replacement surgery 27. Surgery for vertebral column disorders | 28. Surgery to correct deviated nasal septum (unless necessitated due to an Accident) 29. Hypertrophied turbinate | 30. Congenital internal diseases or anomalies 31. Treatment for correction of eyesight 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":34,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#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":"For an enhanced Sum Insured, the 60 months run from the date of enhancement, only on the enhanced limit.","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. ... After the expiry of Moratorium Period no claim under this Policy shall be contestable except for proven fraud and permanent exclusions specified in the Policy contract.","sources":[{"clause":"11","heading":"Moratorium Period","page":43,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#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, can be ported to another insurer by applying at least 30 days but not earlier than 60 days before renewal, and the accrued continuity benefits in waiting periods are carried over as per IRDAI guidelines.","display":"Yes, apply 30 to 60 days before renewal; waiting-period credit carried over","note":"Migration to other Bajaj General products also allowed (apply 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, if any, at least 30 days before, but not earlier than 60 days from the Policy Renewal date as per IRDAI guidelines related to Portability. If such person is presently covered and has been continuously covered without any lapses under any health insurance policy with an Indian General/Health insurer, the proposed Insured Person will get the accrued continuity benefits in waiting periods as per IRDAI guidelines on Portability.","sources":[{"clause":"8","heading":"Portability","page":43,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#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, lifetime renewal","note":null,"quote":"Policy 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-infinite-care-bajhlip27082v012627/document/307#c-s1"},{"clause":"6(i)","heading":null,"page":42,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#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 premium loadings are at portfolio level and not based on any individual policy's claim experience, and renewal is not denied because of claims.","display":"No individual claim-based loading","note":"With the optional Age Shield, once a claim is paid the renewal premium moves to the current age band.","quote":"We shall not deny the Renewal of this Policy on the ground that You have made a claim or claims in the preceding policy years ... For this policy, the loadings on Renewal premium shall be at portfolio and not based upon any individual policy claim experience. ... Once a claim is paid, the premium for subsequent Renewals of Policy will be applicable as per age of Insured Person at the time of Renewal","sources":[{"clause":"6(ii)","heading":null,"page":42,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-6-ii"},{"clause":"6(iv)","heading":null,"page":42,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-6-iv"},{"clause":"13(b)(v)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-13-b-v"}],"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 or any addictive condition (Excl12)","Health hydros, nature cure clinics, spas or similar establishments (Excl13)","Dietary supplements and substances that can be purchased without prescription (Excl14)","Refractive Error less than 7.5 dioptres (Excl15)","Unproven Treatments (Excl16)","Sterility and Infertility (Excl17)","Maternity (Excl18), unless the Maternity Package is opted","Dental treatment that comprises of cosmetic surgery, dentures, dental prosthesis, dental implants, orthodontics, unless due to Accidental Bodily Injury","War, invasion, acts of foreign enemies, hostilities, civil war and similar","The cost of spectacles, contact lenses, hearing aids, dentures, artificial teeth","External medical equipment of any kind used at home as post Hospitalization care","Congenital external diseases or defects or anomalies, growth hormone therapy, stem cell implantation or surgery (except Hematopoietic stem cells for bone marrow transplant)","Vaccination or inoculation, except post bite or medically necessary","All non-medical Items as per Annexure II","Medical treatment received outside India, unless Global Cover is opted","Circumcision unless required for the treatment of Illness or Accidental bodily injury","Treatment for any other system other than modern medicine (allopathy) and AYUSH therapies"],"display":"Standard exclusions Excl04 to Excl18 and the policy's own specific exclusions","note":"Item 3 of the Specific exclusions says Act of Terrorism expenses 'will be covered'. Excl11: in life-threatening situations or after an Accident, expenses up to stabilisation are paid. CIS also lists 'Intentional self-injury', not printed in the wording.","quote":"Excl04 Investigation & Evaluation ... Excl05 Rest Cure, rehabilitation and respite care ... Obesity/Weight Control (Code-Excl06) ... Change-of-gender treatments (Code-Excl07) ... Cosmetic or plastic Surgery (Code-Excl08) ... Hazardous or Adventure sports: (Code- Excl09) ... Breach of law (Code-Excl10) ... Excluded Providers (Code-Excl11) ... Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. ... 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) ... refractive error less than 7.5 dioptres ... Unproven Treatments (Code-Excl16) ... Sterility and Infertility (Code-Excl17) ... Maternity: (Code Excl18) ... This exclusion stands deleted if optional cover of Maternity Package Expenses is opted ... 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, hostilities (whether war be declared or not), civil war ... 4. The cost of spectacles, contact lenses, hearing aids, 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. ... 3. Any Medical expenses incurred due to Act of Terrorism will be covered under the Policy. ... However, in case of life-threatening situations or following an Accident, expenses up to the stage of stabilization are payable but not the complete claim. ... 7. Intentional self-injury.","sources":[{"clause":"Excl04","heading":"Investigation & Evaluation (Code-Excl04)","page":35,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-excl04"},{"clause":"Excl05","heading":"Rest Cure, rehabilitation and respite care (Code-Excl05)","page":35,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-excl05"},{"clause":"3","heading":"Obesity/Weight Control (Code-Excl06)","page":35,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-3-4"},{"clause":"4","heading":"Change-of-gender treatments (Code-Excl07)","page":36,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-4-4"},{"clause":"5","heading":"Cosmetic or plastic Surgery (Code-Excl08)","page":36,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-5-4"},{"clause":"6","heading":"Hazardous or Adventure sports: (Code- Excl09)","page":36,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-6-4"},{"clause":"7","heading":"Breach of law (Code-Excl10)","page":36,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-7-4"},{"clause":"8","heading":"Excluded Providers (Code-Excl11)","page":36,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-8-4"},{"clause":"9","heading":null,"page":36,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-9-4"},{"clause":"Excl12","heading":null,"page":36,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-excl12"},{"clause":"10","heading":null,"page":36,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-10-4"},{"clause":"11","heading":null,"page":36,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-11-4"},{"clause":"12","heading":"Refractive Error (Code-Excl15)","page":36,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-12-4"},{"clause":"13","heading":"Unproven Treatments (Code-Excl16)","page":36,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-13-4"},{"clause":"14","heading":"Sterility and Infertility (Code-Excl17)","page":37,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-14-4"},{"clause":"15","heading":"Maternity: (Code Excl18)","page":37,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-15-4"},{"clause":"15(ii)","heading":null,"page":37,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-15-ii"},{"clause":"13(h)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/308#c-13-h"}],"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":"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 future years refunded in full and the current year pro-rata if no claim was made in it. Medical examination costs are deducted.","display":"Pro-rata refund if no claim in the policy year; future years of a multi-year policy in full","note":"Instalment policies: pro-rata if no claim in the Policy Year. No refund if the Company cancels for misrepresentation, non-disclosure or fraud (15 days' notice).","quote":"The 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 will also be deducted before refunding of premium.","sources":[{"clause":"7","heading":"Cancellation","page":42,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-7-5"},{"clause":"7(ii)","heading":null,"page":42,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-7-ii"}],"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 outside India only if the optional Global Cover is bought.","display":"India only (worldwide with optional Global Cover)","note":"Global Cover is not available to non-Indian citizens or people who are not permanent residents of India.","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). ... This optional benefit is not available to Non-Indian citizens & people who are not permanent residents of India.","sources":[{"clause":"9","heading":"Territorial Jurisdiction and Territorial Limit","page":47,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-9-6"},{"clause":null,"heading":"Specific Conditions for Global Cover","page":22,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-specific-conditions-for-global-cover"}],"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 costs and stamp duty, if no claim made.","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":45,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-17-4"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"cross-checked","value":{"unit":"days","amount":30},"display":"30 days (15 days for monthly instalments)","note":"15 days for monthly instalments.","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)","sources":[{"clause":"6(iii)","heading":null,"page":42,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-6-iii"},{"clause":"3","heading":"Premium Payment in Instalments","page":41,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-3-5"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"cross-checked","value":"From 3 months with no upper age limit: adults (proposer, spouse, parents, parents-in-law) from 18 years with no maximum, dependent children from 3 months to 30 years.","display":"3 months to no upper limit (adults 18 years and above; children 3 months to 30 years)","note":null,"quote":"Proposer /Spouse /Dependent Parents/ Dependent Parents-in-law/ Dependent Children: 18 years – Unlimited Dependent Children: 3 months – 30 years ... 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-infinite-care-bajhlip27082v012627/document/307#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":["Single payment (annual or full term)","Annual instalments (long term policies only)","Half Yearly","Quarterly","Monthly"],"display":"Single, annual (long term), half-yearly, quarterly or monthly","note":"Instalments are not available with the optional Smart Tenure.","quote":"If the Insured Person has opted for Payment of Premium on an instalment basis i.e. Annual (for long term polices only), Half Yearly, Quarterly or Monthly ... Applicable in case of where the entire Premium amount is paid in single payment for Policy Period of more than one year. ... If this cover is opted, the facility of payment of Premium in instalments shall not be available","sources":[{"clause":"3","heading":"Premium Payment in Instalments","page":41,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-3-5"},{"clause":"11(iii)","heading":null,"page":47,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-11-iii"},{"clause":"13(b)(vii)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-13-b-vii-2"}],"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":["Surrogacy Care","Oocyte Donor Cover","Baby Care","Maternity Package","Chronic Care","Air Ambulance","Cost Of Prescribed External Medical Aid","Super Cumulative Bonus","Age Shield","Consumables Plus","Genesis","Smart Tenure","Health Limitless","Global Cover","Inflation Protector","Home Nursing Benefit","Accident Shield","High End Diagnostics","Annual Preventive Health Check-up cover","Preferred Provider Network Discount","Compassionate Visit","Convalescence Benefit","Dependent Accommodation Benefit","Critical Illness Cover","Chronic Disease Management Program","Disease wise sublimit","Renewal Premium Waiver Benefit","NRI Discount","Teleconsultations","NRI Package","OPD Care Plus","Gym and Wellness","Waiting Period Options","Room Modifier","Voluntary Co-payment","Voluntary Aggregate Deductible"],"display":"Many optional covers, from maternity, OPD and global cover to room, waiting period and deductible options","note":"Either Voluntary Co-payment or Voluntary Aggregate Deductible can be opted, not both. Disease wise sublimit and Preferred Provider Network Discount reduce cover in return for a premium discount.","quote":"1. Surrogacy Care If this cover is opted ... 2. Oocyte Donor Cover If this cover is opted ... 3. Baby Care If this optional cover is opted ... 4. Maternity Package If this cover is opted ... 5. Chronic Care If this cover is opted ... 6. Air Ambulance If this cover is opted ... 7. Cost Of Prescribed External Medical Aid If this cover is opted ... 8. Super Cumulative Bonus If this cover is opted ... 9. Age Shield If this cover is opted ... 10. Consumables Plus If this cover r is opted ... 11. Genesis If this cover is opted ... 12. Smart Tenure If the Insured has opted for this cover ... 13. Health Limitless If this cover is opted ... 14 Global Cover ... 15 Inflation Protector ... 16 Home Nursing Benefit ... 17 Accident Shield ... 18 High End Diagnostics ... 19 Annual Preventive Health Check-up cover ... 20 Preferred Provider Network Discount ... 21 Compassionate Visit ... 22 Convalescence Benefit ... 23 Dependent Accommodation Benefit ... 24 Critical Illness Cover ... 25 Chronic Disease Management Program ... 26 Disease wise sublimit ... 27 Renewal Premium Waiver Benefit ... 28 NRI Discount ... 29 Teleconsultations ... 30 NRI Package ... 31 OPD Care Plus ... 32 Gym and Wellness ... 33 Waiting Period Options ... 34 Room Modifier ... OPTIONAL COVERS In consideration of payment of applicable additional premium ... a) Voluntary Co-payment ... b) Voluntary Aggregate Deductible If opted voluntarily ... Note: Voluntary Co-payment is not applicable if Voluntary Aggregate Deductible is opted.","sources":[{"clause":"13","heading":"Discount on Services","page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-13-3"},{"clause":"13(ix)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-13-ix"},{"clause":"13(b)(iv)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-13-b-iv-2"},{"clause":"13(e)(vi)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-13-e-vi"},{"clause":"13(b)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-13-b-5"},{"clause":"13(b)(v)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-13-b-v"},{"clause":"13(b)(viii)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-13-b-viii"},{"clause":"13(b)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-13-b-6"},{"clause":"13(b)(vii)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-13-b-vii-2"},{"clause":"14","heading":"Global Cover","page":22,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-14-3"},{"clause":"15","heading":"Inflation Protector","page":23,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-15-3"},{"clause":"16","heading":"Home Nursing Benefit","page":23,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-16-3"},{"clause":"17","heading":"Accident Shield","page":23,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-17-3"},{"clause":"18","heading":"High End Diagnostics","page":25,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-18-3"},{"clause":"19","heading":"Annual Preventive Health Check-up cover","page":25,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-19-3"},{"clause":"20","heading":"Preferred Provider Network Discount","page":26,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-20-3"},{"clause":"21","heading":"Compassionate Visit","page":26,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-21-3"},{"clause":"22","heading":"Convalescence Benefit","page":27,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-22-3"},{"clause":"23","heading":"Dependent Accommodation Benefit","page":27,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-23-3"},{"clause":"24","heading":"Critical Illness Cover","page":27,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-24-3"},{"clause":"25","heading":"Chronic Disease Management Program","page":28,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-25-3"},{"clause":"26","heading":"Disease wise sublimit","page":29,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-26-3"},{"clause":"27","heading":"Renewal Premium Waiver Benefit","page":30,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-27-3"},{"clause":"28","heading":"NRI Discount","page":30,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-28-3"},{"clause":"29","heading":"Teleconsultations","page":30,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-29-3"},{"clause":"30","heading":"NRI Package","page":31,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-30-3"},{"clause":"31","heading":"OPD Care Plus","page":32,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-31-3"},{"clause":"32","heading":"Gym and Wellness","page":33,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-32-3"},{"clause":"33","heading":"Waiting Period Options","page":33,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-33-3"},{"clause":"34","heading":"Room Modifier","page":34,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-34-3"},{"clause":"17(a)","heading":null,"page":51,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-17-a-2"},{"clause":"17(b)","heading":null,"page":51,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-17-b-2"}],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"cross-checked","value":"Only for instalment premiums: if the premium is paid in instalments during the Policy Period, coverage is available for the grace period. Otherwise 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":41,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-3-5"},{"clause":"17","heading":"Grace Period","page":3,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#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":"Single private air-conditioned room, or as specified on the Policy Schedule.","display":"Single private AC room","note":"Optional Room Modifier: any room category, Twin Sharing Room, or 1% of Sum Insured up to INR 5000/day. Global Cover pays up to standard private room only.","quote":"Room and Boarding expenses as Single Private A/c room or as specified on the Policy Schedule. ... Any room category: Room Rent eligibility shall be modified to any room category without any restriction ... Twin Sharing Room: Room Rent eligibility shall be modified to Twin Sharing Room ... Room rent of 1% of Sum Insured maximum up to INR 5000/day ... We will cover up to standard private room only.","sources":[{"clause":"1","heading":"In-patient Hospitalisation Treatment","page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-1-3"},{"clause":"34","heading":"Room Modifier","page":34,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-34-3"},{"clause":null,"heading":"Specific Conditions for Global Cover","page":22,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-specific-conditions-for-global-cover"}],"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 air-conditioned room.","display":"Single private AC room","note":"Optional Room Modifier can change it to any room category or Twin Sharing Room.","quote":"Room and Boarding expenses as Single Private A/c room or as specified on the Policy Schedule. ... Single Private Room means a single occupancy air-conditioned room with an attached washroom/toilet, and it excludes a suite. ... Any room category: Room Rent eligibility shall be modified to any room category without any restriction ... Twin Sharing Room: Room Rent eligibility shall be modified to Twin Sharing Room","sources":[{"clause":"1","heading":"In-patient Hospitalisation Treatment","page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-1-3"},{"clause":"29","heading":"Single Private room","page":9,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-29-2"},{"clause":"34","heading":"Room Modifier","page":34,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-34-3"}],"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":"If admitted in ICU, the Company will pay up to ICU expenses at actuals.","sources":[{"clause":"1","heading":"In-patient Hospitalisation Treatment","page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#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 eligible limit or category, other hospital expenses are paid in the same proportion, except pharmacy/medicines, medical consumables, implants, medical devices and diagnostics, and not where the hospital does not follow differential billing.","display":"Yes, except medicines, consumables, implants, devices and diagnostics","note":null,"quote":"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. ... Proportionate deductions shall not apply in respect of the Hospitals which do not follow differential billings","sources":[{"clause":"1","heading":"In-patient Hospitalisation Treatment","page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#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 of 10%, 20%, 30%, 40% or 50% for a discount. Optional PPN Discount: 20% or 10% co-payment outside PPN hospitals or on reimbursement. Optional Global Cover: mandatory co-payment options of 0%, 20%, 30%, 40% or 50% for treatment abroad (the CIS also lists 10%). OPD Care Plus: 20% co-payment on reimbursement.","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 10% or 20% or 30% or 40% or 50% of the eligible claim amount ... Co-payment for each and every claim payable under the In-patient Hospitalization Treatment cover shall be applicable ... A | 20% | 14% ... B | 10% | 7% ... You will have to choose from a range of mandatory co-payment options-0%, 20%, 30%, 40% & 50% ... A 20% co-payment will be applicable for claims made on reimbursement basis.","sources":[{"clause":"17(a)","heading":null,"page":51,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-17-a-2"},{"clause":"20","heading":"Preferred Provider Network Discount","page":26,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-20-3"},{"clause":null,"heading":"Specific Conditions for Global Cover","page":22,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-specific-conditions-for-global-cover"},{"clause":"31","heading":"OPD Care Plus","page":32,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-31-3"}],"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 of Rs 10,000 to 50,000 per year (in steps of 10,000) for a premium discount; cannot be combined with Voluntary Co-payment.","quote":"If opted voluntarily and mentioned on the Policy Schedule that an Aggregate Deductible is opted, then Insured Person will be eligible for discount on the Policy Premium as per the table below. ... 10,000 | 10% | 4% ... 50,000 | 48% | 37%","sources":[{"clause":"17(b)","heading":null,"page":51,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-17-b-2"}],"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":["None in the base cover; caps apply only if the optional Disease wise sublimit cover is chosen"],"display":"None unless the optional Disease wise sublimit is chosen","note":"With the optional Disease wise sublimit (for a premium discount) listed conditions are capped, from Max Rs 50,000 (diabetic retinopathy) to Max Rs 1,50,000 (for example Myxedema Rs 1,00,000, Chronic Kidney Disease Rs 1,25,000). In the base cover, organ donor expenses are capped at 10 Lac.","quote":"If this cover is opted, We shall limit the claim arising out of Hospitalization event including Pre and Post Hospitalization leading to Procedures including its complications up to sub-limits as mentioned in below table ... If You opt for this coverage, You shall be eligible for a discount on the premium payable under the Base Policy. ... Myxedema | Max ₹1,00,000 ... Liver Cyst Surgery | Max ₹1,50,000 ... Chronic Kidney Disease | Max ₹1,25,000 ... Diabetes Complication - Retinopathy | Max ₹50,000 ... up to In-patient Hospitalization Sum Insured maximum up to 10 Lac","sources":[{"clause":"26","heading":"Disease wise sublimit","page":29,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-26-3"},{"clause":"7","heading":"Organ Donor Expenses","page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-7-3"}],"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":90},"display":"90 days","note":"CIS says 'Up to 90 days as per the option specified on the Policy Schedule'.","quote":"We will indemnify You against the Reasonable and Customary Medical Expenses incurred in respect of the Insured Person during the period of 90 days immediately before the date of Hospitalization of the Insured Person, up to the Inpatient Hospitalization Treatment Sum Insured","sources":[{"clause":"2","heading":"Pre-Hospitalisation Medical Expense","page":11,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#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":180},"display":"180 days","note":"CIS says 'Up to 180 days as per the option specified on the Policy Schedule'.","quote":"We will indemnify You against the Reasonable and Customary Medical Expenses incurred in respect of the Insured Person during the period of 180 days immediately after the Insured Person was discharged post Hospitalisation, up to Inpatient Hospitalization Treatment Sum Insured","sources":[{"clause":"3","heading":"Post-Hospitalisation Medical Expense","page":11,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#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":"All day care procedures are covered up to the Sum Insured; Annexure I is an indicative list and other procedures needing less than 24 hours due to technological advances are also covered.","display":"All day care treatments, up to the sum insured","note":null,"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 taken by the Insured Person as an In-Patient in a Hospital or Day care center but not in the Outpatient department. ... Above mentioned list is an 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":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-6-3"},{"clause":"99(b)(i)","heading":"Above mentioned list","page":63,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-99-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":"Yes, up to the Sum Insured, when the patient cannot be moved to a hospital or no hospital room is available, on the doctor's advice, if it exceeds 3 days; asthma, bronchitis, diabetes, hypertension, psychiatric disorders and other listed conditions are not covered.","display":"Yes, up to the sum insured, if more than 3 days","note":"A separate Home Care Treatment cover pays treatment at home prescribed in writing by the doctor, up to the Sum Insured.","quote":"We will indemnify You against Reasonable and Customary Medical Expenses incurred towards Medical Treatment of Insured Person for Illness/disease/Injury up to In-patient Hospitalization Treatment Sum Insured, which in the normal course, would require care and treatment at a Hospital but, on the advice of the attending Medical Practitioner, is taken whilst confined at home ... a) The condition of the patient is such that he/she is not in a condition to be moved to a Hospital; or b) The patient takes treatment at home on account of non-availability of room in a Hospital; c) Domiciliary Hospitalization should exceed 3 days. However, this coverage/benefit shall not cover the following- i) Asthma, Bronchitis ... v) Diabetes Mellitus and Insipidus, ... vii) Hypertension, viii) Psychiatric or Psychosomatic Disorders of all kinds,","sources":[{"clause":"9","heading":"Domiciliary Hospitalization","page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-9-3"}],"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":"Covered up to the In-patient Sum Insured for admission of at least 24 hours in an AYUSH Hospital.","display":"Yes, up to the sum insured","note":"Out-patient AYUSH and comfort treatments (steam bath, sauna, oil massages) are excluded.","quote":"If an Insured Person is hospitalized in an AYUSH Hospital for a period not less than 24 hours on the advice of a Medical Practitioner because of Illness or Accidental Bodily Injury sustained or contracted during the Policy Period, then We will indemnify You against Reasonable and Customary Medical Expenses incurred for AYUSH treatment up to “In-patient Hospitalization Treatment” Sum Insured.","sources":[{"clause":"5","heading":"AYUSH Hospitalization Cover","page":11,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#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 and HIFU, balloon sinuplasty, deep brain stimulation, oral chemotherapy, immunotherapy, intra-vitreal injections, robotic surgeries, stereotactic radio surgeries, bronchial thermoplasty, vaporisation of the prostate, IONM and stem cell therapy.","display":"Yes, up to the sum insured","note":"Stem cell therapy only for hematopoietic stem cells for bone marrow transplant for haematological conditions.","quote":"We will indemnify You against all the eligible Reasonable and Customary Medical Expenses incurred if an Insured Person undergo procedures as listed below, maximum up to “In-Patient Hospitalization Treatment” Sum Insured. i) Uterine Artery Embolization and HIFU ii) Balloon Sinuplasty iii) Deep Brain stimulation iv) Oral chemotherapy v) Immunotherapy- Monoclonal Antibody to be given as injection vi) Intra-vitreal injections vii) Robotic surgeries viii) Stereotactic radio surgeries ix) Bronchial Thermoplasty x) Vaporisation of the prostate (Green laser treatment or holmium laser treatment) xi) IONM - (Intra Operative Neuro Monitoring) xii) Stem cell therapy","sources":[{"clause":"4","heading":"Modern Treatment Methods and Advancement in Technologies","page":11,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#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 screening, harvesting of the organ and complications are paid up to the In-patient Sum Insured, maximum 10 Lac, if the insured person's in-patient claim is accepted; pre and post hospitalisation also paid.","display":"Yes, up to the sum insured, maximum 10 lakh","note":"Sum Insured Reinstatement and Health Limitless do not apply to this cover.","quote":"We will indemnify You against the expenses incurred towards the organ donor's screening, harvesting of the donated organ, complications arising out of this procedure up to In-patient Hospitalization Sum Insured maximum up to 10 Lac ... We will also pay for Pre and Post Hospitalization expenses.","sources":[{"clause":"7","heading":"Organ Donor Expenses","page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-7-3"}],"law":[]},{"key":"ambulance","label":"Ambulance cover","section":"Cover","meaning":"Road (and air) ambulance cover and its limit.","status":"cross-checked","value":"Road ambulance up to the In-patient Sum Insured for an emergency or transfer to a higher-facility hospital; air ambulance only with the optional cover, up to Rs 10 lakh.","display":"Road ambulance up to the sum insured","note":"The life-threatening emergency must be certified and the in-patient or day care claim accepted. Optional Air Ambulance within India; the wording prints the limit as '₹10,00,000 lakhs'.","quote":"We will indemnify You against the Reasonable and Customary expenses, up to In-patient Hospitalization Sum Insured, incurred on a road ambulance offered by a healthcare or ambulance service provider for transferring Insured Person to the nearest Hospital with adequate emergency facilities ... Air Ambulance | 10 lakhs","sources":[{"clause":"8","heading":"Road Ambulance","page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-8-3"},{"clause":"Excl01","heading":null,"page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/308#c-excl01"}],"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":"cross-checked","value":"Yes. The In-patient Sum Insured is reinstated unlimited times in a policy year, for subsequent claims under in-patient hospitalisation; the maximum per claim is the In-patient Sum Insured and unused reinstatement does not carry forward.","display":"Unlimited times per policy year","note":"Whether it works for the same illness is not stated. Floater: at policy level. Not available for Organ donor expenses or Global Cover.","quote":"The In-patient Hospitalisation Treatment Sum Insured would be “reinstated” unlimited times as specified in the Policy Schedule for the particular Policy Year subject to the below conditions, i) The reinstated Sum Insured will be available for utilization for subsequent claim made by the Insured Person. ... iii) For any claim under this benefit, the maximum liability per claim shall not exceed the In-patient Hospitalization Sum Insured. iv) This benefit is applicable during each Policy Year and will not be carried forward to the subsequent policy year/ renewals.","sources":[{"clause":"12","heading":"Sum Insured Reinstatement","page":13,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-12-3"}],"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 50% of the base Sum Insured at the end of each policy year, up to 100%, irrespective of claims, if renewed without a break.","display":"50% a year, up to 100%, even after a claim","note":"Optional Super Cumulative Bonus: 100% each year with no maximum, replaces the base bonus. Reduced proportionately if Sum Insured is reduced.","quote":"The Cumulative Bonus (“CB”) will be increased by 50% of In-patient Hospitalisation Treatment (Base) Sum Insured at the end of each Policy Year, subject to maximum up to 100% of the applicable Base Sum Insured, as specified in the Policy Schedule, irrespective of any claim made or paid during the Policy Year, provided the Policy is renewed with the Company without a break. ... We will provide a Super Cumulative Bonus of 100% of the expiring or renewed Sum Insured ... There is no maximum limit on the amount of Super Cumulative Bonus that can be accrued under this benefit. ... If the Sum Insured has been reduced at the time of Renewal, the applicable CB shall be reduced in the same proportion","sources":[{"clause":"11","heading":"Cumulative Bonus","page":13,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-11-3"},{"clause":"13(b)(v)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-13-b-v"}],"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":"Non-medical items listed in Annexure II (gloves, masks and similar) are excluded unless the optional Consumables Plus is bought; medical consumables are listed among in-patient expenses.","display":"Not covered unless the optional Consumables Plus is bought","note":"Consumables Plus is not available outside India.","quote":"8. All non-medical Items as per Annexure II. ... 10. Consumables Plus If this cover r is opted, We will indemnify You against the Non-Medical Expenses/ consumables (mentioned in List I, II, III, IV of Annexure II) incurred during treatment of the Insured Person during the Policy Period up to Sum Insured of Inpatient Hospitalisation Treatment cover ... Medicines & Drugs, Medical Consumables, Dialysis, Chemotherapy, Radiotherapy, Physiotherapy.","sources":[{"clause":"15(ii)","heading":null,"page":37,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-15-ii"},{"clause":"13(b)(viii)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-13-b-viii"},{"clause":"1","heading":"In-patient Hospitalisation Treatment","page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-1-3"}],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Whether childbirth costs are covered, the limit and the waiting period.","status":"cross-checked","value":"Not covered in the base policy (Excl18). The optional Maternity Package covers delivery and lawful termination with a 24-month (Option A) or 9-month (Option B) waiting period, up to 2 deliveries/terminations in a lifetime, within the Maternity Package Sum Insured.","display":"Only with optional Maternity Package (24 or 9 months waiting)","note":"CIS limit: Maternity/ ART 50K, 1 lakh, 2 lakhs. Option C adds Assisted Reproductive Technology (ages 21 to 45, 24 months waiting).","quote":"Maternity: (Code Excl18) ... Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during Hospitalization) except ectopic pregnancy; ... Option A. Maternity Expense (with waiting period of 24 months) ... The coverage/benefit shall be limited to maximum of 2 deliveries and/or terminations of pregnancy in aggregate during the lifetime ... Option B. Maternity Expense (with waiting period of 9 months) ... Maternity/ ART | 50K, 1 lakh, 2 lakhs ... This cover shall be available only to an Insured Person aged between 21years to 45 years of age. ... The cover will be subject to a waiting period of 24 months from the date of the commencement of Maternity Package optional cover with Us.","sources":[{"clause":"15","heading":"Maternity: (Code Excl18)","page":37,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-15-4"},{"clause":"15(i)","heading":null,"page":37,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-15-i"},{"clause":"13(ix)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-13-ix"},{"clause":"13(b)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-13-b"},{"clause":"13(b)(iv)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-13-b-iv"},{"clause":"Excl01","heading":null,"page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/308#c-excl01"},{"clause":"13(b)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-13-b-3"}],"law":[]},{"key":"newborn","label":"Newborn baby cover","section":"Cover","meaning":"Whether a newborn is covered from birth and for what.","status":"cross-checked","value":"Not in the base policy. With the optional Baby Care cover, a newborn's in-patient hospitalisation is covered up to the Baby Care Sum Insured, after a 9 or 24 month waiting period, if the birth is intimated within 90 days.","display":"Only with optional Baby Care","note":"CIS: Baby Care 2 Lakhs for SI 5 or 10 lakh, 5 Lakhs for Unlimited SI, and 'subject to Maternity claim being accepted by Us', a condition the wording does not print. The Maternity Package covers mandatory vaccinations of the child up to one year.","quote":"3. Baby Care If this optional cover is opted, We will indemnify You against Reasonable and Customary hospitalization expenses incurred in respect of Newborn Baby, for In-patient Hospitalization ... up to Baby Care Sum Insured specified in Policy Schedule ... The above cover will be subject to a waiting period of 9 months or 24 months, as opted ... You should intimate Us about the birth of your baby within 90 days of delivery. ... Baby Care | For SI 5 lakh & 10 lakh- 2 Lakhs For Unlimited SI- 5 Lakhs ... Coverage for new born baby with a separate sum insured over and Coverage for new born baby with a separate sum insured over and above the Inpatient Hospitalization Sum Insured subject to above the Inpatient Hospitalization Sum Insured subject to Maternity claim being accepted by Us. ... Mandatory Vaccinations of the child up to one year from the date of birth","sources":[{"clause":"13(ix)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-13-ix"},{"clause":"Excl01","heading":null,"page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/308#c-excl01"},{"clause":"13","heading":"Discount on services","page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/308#c-13"},{"clause":"13(b)(iv)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-13-b-iv"}],"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":"The documents do not say whether in-patient mental illness treatment is covered. Domiciliary hospitalisation excludes psychiatric or psychosomatic disorders; optional OPD Care Plus includes Emotional Wellness Sessions.","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":"cross-checked","value":"Not in the base policy. With the optional Annual Preventive Health Check-up cover, one check-up each policy year, cashless only at the service provider's network centres.","display":"Only with optional cover: one per policy year","note":"Optional Chronic Disease Management Program also includes 1 Basic AHC Package.","quote":"Under this cover, each eligible Insured Person(s) can avail one Preventive Health Check-up in each Policy Year, on a cashless basis only, at the prescribed network centres of Our Service Provider ... Annual Health Check-up (AHC) | 1 Basic AHC Package","sources":[{"clause":"19","heading":"Annual Preventive Health Check-up cover","page":25,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-19-3"},{"clause":"25","heading":"Chronic Disease Management Program","page":28,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-25-3"}],"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":"Not covered in the base policy, which excludes expenses where in-patient care is not required and offers only discounted network rates. The optional OPD Care Plus covers consultations, diagnostics, dental, vision lenses up to INR 2,500, pharmacy and more within its limit.","display":"Not covered unless OPD Care Plus is opted","note":"OPD Care Plus limits are per the plan in the Policy Schedule; 20% co-payment on reimbursement; reimbursement caps per consultation GP Rs 600, Specialist Rs 1,000, Super-Specialist Rs 1,500. Other options: Teleconsultations, NRI Package, High End Diagnostics on OPD basis up to INR 25,000 a year.","quote":"2. Medical expenses where Inpatient care and medical supervision is not required. ... The Insured Person may have access/ special rates on services such as OPD, Diagnostics ... If this Optional Cover is opted, Insured Person shall be entitled to receive the benefits specified below ... 1. In-Clinic Doctor Consultation ... 2. Prescribed Diagnostics- Pathology & Radiology ... 3. Dental OPD ... 4. Vision- Prescribed Lens (up to INR 2,500 per Policy Year per Insured Person) ... 5. Prescribed Pharmacy up to 20% of the OPD Care Plus Limit ... A 20% co-payment will be applicable for claims made on reimbursement basis. ... GP ₹600 · Specialist ₹1,000 · Super-Specialist ₹1,500 ... on an OPD basis, for the following diagnostics tests, if medically necessary and prescribed by the Medical Practitioner as a part of a diagnosis or treatment of any Illness or Injury, up to a maximum of INR 25,000 in aggregate in a Policy Year.","sources":[{"clause":"13(h)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/308#c-13-h"},{"clause":"13","heading":"Discount on Services","page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-13-3"},{"clause":"31","heading":"OPD Care Plus","page":32,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-31-3"},{"clause":"18","heading":"High End Diagnostics","page":25,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-18-3"}],"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 1 (Delhi NCR, Mumbai, Surat, Mathura, Aligarh) pays full rate, with discounts of 10% for Zone 1A, 30% for Zone 2 and 32.5% for Zone 3 (rest of India). No zone co-payment is printed.","display":"Yes, zone discounts of 10% to 32.5% on premium","note":"Based on residence, not on the city of treatment. The wording says 'three Zones' but lists four (1, 1A, 2, 3).","quote":"Zone Discount Below discount will be applicable based on residential address of the proposer or insured person Residence Zone | Zone Discount 1A | 10% 2 | 30% 3 | 32.5% There are three Zones for Premium payment Zone 1: Delhi NCR, Mumbai (MMR), Surat, Mathura, Aligarh Zone 1A: Telangana, Ahmedabad, Vadodara, Nashik Zone 2: Pune, Indore, Bengaluru Urban, Rest of Gujarat Zone 3: Rest of India","sources":[{"clause":"11(i)","heading":null,"page":47,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-11-i"}],"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":"conflicting","value":"Yes, at network hospitals, and 'Cashless Everywhere' even at non-network hospitals that meet the IRDAI hospital definition. Pre-authorisation reply within 1 hour; discharge authorisation within 3 hours.","display":"Yes, network hospitals and Cashless Everywhere","note":"CIS says: 'Cashless treatment is only available at Network Hospitals'; the policy wording also offers Cashless Everywhere at non-network hospitals. Global Cover is available cashless and reimbursement.","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 fulfilling IRDAI definition of Hospital facility ... our representative then within 1 hour will respond with Approval, Rejection or more information. ... the same will be processed within 3 hours from the final documents received. ... Cashless treatment is only available at Network Hospitals ... This benefit is available under cashless and reimbursement.","sources":[{"clause":"1","heading":"Claims Procedure","page":52,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-1-7"},{"clause":"1(iv)","heading":null,"page":52,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-1-iv"},{"clause":"1(v)","heading":null,"page":52,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-1-v"},{"clause":"1(vi)","heading":null,"page":52,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-1-vi"},{"clause":"Excl01","heading":null,"page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/308#c-excl01"},{"clause":null,"heading":"Specific Conditions for Global Cover","page":22,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-specific-conditions-for-global-cover"}],"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":"The insurer's in-house claims team; it may engage a TPA at its discretion.","display":"In-house (insurer)","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":52,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-1-7"}],"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","note":"Parents/parents-in-law can take a separate floater policy.","quote":"What type of plans are available? Individual and Floater Policy ... For the purpose of Family Floater policy- includes the Insured; his/her lawfully wedded spouse and dependent children.","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/307#c-s1"},{"clause":"9","heading":"Family or Family Members","page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306#c-9-2"}],"law":[]}],"documents":[{"kind":"wording","label":"My Infinite Care Policy Wordings","pages":70,"fetched_at":"2026-10-16 08:29:41.134768+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/health-insurance/my-infinite-care/My-Infinite-Care-Policy-Wordings.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/306"},{"kind":"prospectus","label":"My Infinite Care Prospectus","pages":48,"fetched_at":"2026-10-16 08:29:41.134768+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/health-insurance/my-infinite-care/My-Infinite-Care-Prospectus.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/307"},{"kind":"cis","label":"My Infinite Care Customer Information Sheet","pages":11,"fetched_at":"2026-10-16 08:29:41.134768+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/health-insurance/my-infinite-care/My-Infinite-Care-CIS.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627/document/308"}],"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 Infinite Care (UIN BAJHLIP27082V012627), IndiaInsurances, https://indiainsurances.com/policy/bajaj-general-insurance/my-infinite-care-bajhlip27082v012627"}