{"uin":"BAJPAGP20054V011920","name":"Bajaj General Suraksha Kavach (Group)","url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-suraksha-kavach-group-bajpagp20054v011920","insurer":{"slug":"bajaj-general-insurance","name":"Bajaj General Insurance Limited","url":"https://indiainsurances.com/insurer/bajaj-general-insurance"},"line":"health","category":"group-health","category_name":"Group health","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Bajaj General Suraksha Kavach (Group) is a group health policy for customers of HDFC Bank Ltd with base covers such as personal accident, accidental hospitalization, loss of job, credit shield and critical illness. The policy term can be 6 months or 1 to 5 years, treatment is covered in India, and the moratorium period is sixty continuous months.","analysis":{"state":"machine","analysed_at":"2026-10-19 19:03:35.191784+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"The documents list base covers and optional covers, but do not name plan variants.","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":"quote-verified","value":"The policy can be opted for 6 months or for 1, 2, 3, 4 or 5 years.","display":"6 months/ 1/ 2 / 3 / 4 / 5 yrs","note":null,"quote":"The policy can be opted for 6 months/ 1/ 2 / 3 / 4 / 5 yrs.","sources":[{"clause":null,"heading":"46. Policy Period","page":18,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-suraksha-kavach-group-bajpagp20054v011920/document/3186#c-46-policy-period"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"General claim notice must be given immediately and in any event within 14 days. Reimbursement accident claims must be informed within 30 days from the date of accident and critical illness claims within thirty (30) days of diagnosis, procedure or medical event.","display":"Immediately and within 14 days; 30 days for reimbursement accident and critical illness claims","note":"The critical illness general conditions also state notification within 4 weeks of diagnosis.","quote":"the Insured Beneficiary shall immediately and in any event within 14 days give written notice of the same to the Company at the address shown in the Certificate Of Insurance for this purpose ... must inform us in writing immediately and in any event within 30 days from the date of the accident and submit all documents to us within 30 days from the date of intimation. ... shall be intimated to the Company within thirty (30) days date of first diagnosis of the Illness, date of surgical procedure or date of occurrence of the medial event as the case may be ... within 4 weeks of such diagnosis provide the Company with written notification of a claim","sources":[{"clause":"4(a)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-suraksha-kavach-group-bajpagp20054v011920/document/3186#c-4-a"},{"clause":"Section E","heading":"CONDITIONS- OTHER TERMS AND CONDITIONS","page":18,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-suraksha-kavach-group-bajpagp20054v011920/document/3186#c-section-e-3"},{"clause":null,"heading":"B. Claim Settlement Process Applicable to Critical Illness","page":18,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-suraksha-kavach-group-bajpagp20054v011920/document/3186#c-b-claim-settlement-process-applicable-to-critica"},{"clause":null,"heading":"GENERAL CONDITIONS APPLICABLE TO CRITICAL ILLNESS","page":8,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-suraksha-kavach-group-bajpagp20054v011920/document/3186#c-general-conditions-applicable-to-critical-illnes"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Certificate from the attending Doctor","Duly completed claim forms","Original Discharge Certificate/Card from the hospital/Doctor","Original investigation test reports, indoor case papers","Death Certificate, FIR / Panchanama / Inquest Panchanama and Post Mortem Report for death claims","disability certificate and X-Ray / Investigation reports for disability claims","First Consultation letter, Hospital Discharge Card, Hospital Bill and Laboratory and Diagnostic Test Reports for accidental hospitalization","Medical documents mentioning Critical illness","Current outstanding Loan certificate and loan repayment schedule for loan-related claims"],"display":"Claim form, medical certificates, discharge/investigation records, and cover-specific documents","note":"The exact documents depend on the cover claimed.","quote":"Certificate from the attending Doctor of the Insured Beneficiary confirming, inter alia, ... Duly completed claim forms; ... Original Discharge Certificate/Card from the hospital/Doctor; ... Original investigation test reports, indoor case papers; ... Attested copy of Death Certificate. ... Attested copy of FIR / Panchanama / Inquest Panchanama. ... Attested copy of Post Mortem Report (only if conducted). ... Attested copy of disability certificate from Civil Surgeon of Government Hospital stating percentage of disability. ... All X-Ray / Investigation reports and films supporting to disability. ... First Consultation letter from the Doctor ... Hospital Discharge Card ... Hospital Bill giving detailed break up of all expense heads mentioned in the bill. ... All original Laboratory and Diagnostic Test Reports. E.g. X-Ray, E.C.G, USG, MRI Scan, Haemogram etc. ... Medical documents (Indoor Case Paper/ Consultation papers) mentioning Critical illness ... Current outstanding Loan certificate from financer, up to date loan repayment schedule along with the documents submitted","sources":[{"clause":"1","heading":null,"page":18,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-suraksha-kavach-group-bajpagp20054v011920/document/3186#c-1-9"},{"clause":"2","heading":null,"page":18,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-suraksha-kavach-group-bajpagp20054v011920/document/3186#c-2-9"},{"clause":"3","heading":null,"page":18,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-suraksha-kavach-group-bajpagp20054v011920/document/3186#c-3-7"},{"clause":"4","heading":null,"page":18,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-suraksha-kavach-group-bajpagp20054v011920/document/3186#c-4-8"},{"clause":null,"heading":"List of Claim documents for Death/ Parental Care Benefit/ Mobility Extension","page":18,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-suraksha-kavach-group-bajpagp20054v011920/document/3186#c-list-of-claim-documents-for-death-parental-care"},{"clause":null,"heading":"List of Claim Documents Specific for Accidental Hospitalization Benefit","page":19,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-suraksha-kavach-group-bajpagp20054v011920/document/3186#c-list-of-claim-documents-specific-for-accidental"},{"clause":null,"heading":"Specific Claim documents for Critical Illness","page":19,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-suraksha-kavach-group-bajpagp20054v011920/document/3186#c-specific-claim-documents-for-critical-illness"},{"clause":null,"heading":"List of Claim Document Specific to Loss of Job","page":19,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-suraksha-kavach-group-bajpagp20054v011920/document/3186#c-list-of-claim-document-specific-to-loss-of-job"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The company will settle the claim within 15 days of receipt of the last necessary document. If investigation is needed, it will complete the investigation not later than 30 days from receipt of the last necessary document and reject reasons, if any, will be communicated within 15 days of receipt of documents.","display":"15 days from last necessary document; investigation not later than 30 days","note":"Delay in payment attracts interest at 2% above the bank rate.","quote":"the Company will settle the claim within 15 days of the receipt of the last necessary document. ... where the circumstances of a claim warrant an investigation, the Company will initiate and complete such investigation at the earliest, in any case not later than 30 days from the date of receipt of last necessary document. ... If We, for any reasons decide to reject the claim under the policy the reasons regarding the rejection shall be communicated to You in writing within 15 days of the receipt of documents.","sources":[{"clause":"4(c)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-suraksha-kavach-group-bajpagp20054v011920/document/3186#c-4-c-2"},{"clause":"4(d)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-suraksha-kavach-group-bajpagp20054v011920/document/3186#c-4-d-2"},{"clause":"4(e)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-suraksha-kavach-group-bajpagp20054v011920/document/3186#c-4-e"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Any Critical Illness for which care, treatment, or advice was recommended by or received from a Physician, or which first manifested itself or was contracted before the start of the Cover Period","Any Critical Illness diagnosed within the first 90 days of the date of commencement of-the Policy is excluded","Suicide, attempted suicide or self-inflicted injury or illness;","Whilst under the influence of intoxicating liquor or drugs;","Any deliberate or intentional, unlawful or illegal activities with criminal intent","Whilst engaging in aviation or ballooning","participation as the driver, co-driver or passenger of a motor vehicle during motor racing or trial runs","Any loss caused either directly or indirectly by nuclear energy, radiation","Curative treatments or interventions that the Insured Beneficiary performs or has had performed on his body against medical advice or without medical advice","Venereal or sexually transmitted disease","Treatment arising from or traceable to pregnancy, childbirth postpartum complications","Occupational diseases such as occupational lung diseases including asbestosis, pneumoconiosis, occupational asthma and occupational skin diseases","Any natural peril","Consequential loss of any kind or description","Treatment for any other system other than modern medicine (allopathy) and AYUSH therapies"],"display":"Pre-cover and 90-day critical illness exclusions; suicide, intoxication, illegal acts, war, aviation, motor racing, nuclear/radiation, pregnancy, occupational disease, natural peril and non-allopathy exclusions","note":null,"quote":"Any Critical Illness for which care, treatment, or advice was recommended by or received from a Physician, or which first manifested itself or was contracted before the start of the Cover Period ... Any Critical Illness diagnosed within the first 90 days of the date of commencement of-the Policy is excluded. ... Suicide, attempted suicide or self-inflicted injury or illness; ... Whilst under the influence of intoxicating liquor or drugs; ... Any deliberate or intentional, unlawful or illegal activities with criminal intent ... Whilst engaging in aviation or ballooning ... participation as the driver, co-driver or passenger of a motor vehicle during motor racing or trial runs ... Any loss caused either directly or indirectly by nuclear energy, radiation. ... Curative treatments or interventions that the Insured Beneficiary performs or has had performed on his body against medical advice or without medical advice. ... Venereal or sexually transmitted disease. ... Treatment arising from or traceable to pregnancy, childbirth postpartum complications ... Occupational diseases such as occupational lung diseases including asbestosis, pneumoconiosis, occupational asthma and occupational skin diseases. ... Any natural peril ... Consequential loss of any kind or description. ... Treatment for any other system other than modern medicine (allopathy) and AYUSH therapies.","sources":[{"clause":"3","heading":"SPECIFIC EXCLUSIONS APPLICABLE TO CRITICAL ILLNESS","page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-suraksha-kavach-group-bajpagp20054v011920/document/3186#c-3-3"},{"clause":"1","heading":"SPECIFIC EXCLUSIONS APPLICABLE TO PERSONAL ACCIDENT","page":11,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-suraksha-kavach-group-bajpagp20054v011920/document/3186#c-1-5"},{"clause":"4","heading":"GENERAL EXCLUSIONS APPLICABLE TO All COVERS","page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-suraksha-kavach-group-bajpagp20054v011920/document/3186#c-4-4"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"Complaints can first be raised through the toll-free number, WhatsApp, branches, website or Level 1 email. If not satisfied, write to the Grievance Redressal Officer at ggro@bajajgeneral.com, then use the Level 3 call-back route before approaching the Insurance Ombudsman.","display":"Level 1: careforyou@bajajgeneral.com; Level 2: Grievance Redressal Officer at ggro@bajajgeneral.com; Level 3 call-back/SMS; then Insurance Ombudsman","note":null,"quote":"Our toll-free number 1-800-209- 5858 or 020-30305858, say Say “Hi” on WhatsApp on +91 7507245858 ... Level 1: Write to careforyou@bajajgeneral.com and for senior citizens to seniorcitizen@bajajgeneral.com ... Level 2: In case you are not satisfied with the response given to you at Level 1 you may write to our Grievance Redressal Officer at ggro@bajajgeneral.com ... Level 3: If in case, your grievance is still not resolved, and you wish to talk to our care specialist, please give a missed call on +91 80809 45060 OR SMS To 575758 and our care specialist will call you back\n5. If you are still not satisfied with the decision of the Insurance Company, you may approach the Insurance Ombudsman","sources":[{"clause":"14","heading":"Grievance Redressal Procedure","page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-suraksha-kavach-group-bajpagp20054v011920/document/3186#c-14-4"},{"clause":"14(a)","heading":"Level 1","page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-suraksha-kavach-group-bajpagp20054v011920/document/3186#c-14-a"},{"clause":"14(b)","heading":"Level 2","page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-suraksha-kavach-group-bajpagp20054v011920/document/3186#c-14-b"},{"clause":"14(c)","heading":"Level 3","page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-suraksha-kavach-group-bajpagp20054v011920/document/3186#c-14-c"}],"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":"not-stated","value":null,"display":null,"note":"The CIS points to the policy schedule for the sum insured, and the wording says amounts are stated in the Certificate of Insurance; no selectable rupee options are printed.","quote":null,"sources":[],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"quote-verified","value":{"unit":"days","amount":90},"display":"90 days","note":"This applies to Critical Illness. Accidental covers are not stated as subject to this waiting period.","quote":"Any Critical Illness diagnosed within the first 90 days of the date of commencement of-the Policy is excluded.","sources":[{"clause":"3","heading":"SPECIFIC EXCLUSIONS APPLICABLE TO CRITICAL ILLNESS","page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-suraksha-kavach-group-bajpagp20054v011920/document/3186#c-3-3"}],"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":"not-applicable","value":null,"display":null,"note":"The product does not state a pre-existing disease waiting period after which pre-existing diseases are covered; critical illness that first manifested or was contracted before the cover period is excluded.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"not-applicable","value":null,"display":null,"note":"The CIS states waiting periods are not applicable, and the wording does not provide a list of named illnesses or procedures with a specific waiting period for this accident and critical illness group product.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"not-applicable","value":null,"display":null,"note":"No named illness/procedure list with a specific waiting period is given for this product.","quote":null,"sources":[],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"quote-verified","value":{"unit":"months","amount":60},"display":"sixty continuous months","note":"For enhanced sums insured, sixty continuous months apply from the date of enhancement only on the enhanced limits.","quote":"After completion of sixty continuous months of coverage (including portability and migration) no look back would be applied. This period of sixty months is called as moratorium period. ... 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":"10","heading":"Moratorium Period","page":13,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-suraksha-kavach-group-bajpagp20054v011920/document/3186#c-10-4"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"quote-verified","value":"The insured beneficiary can port the policy to other insurers by applying at least 30 days before, but not earlier than 60 days from, the policy renewal date. If continuously covered without lapses, accrued continuity benefits in waiting periods are available as per IRDAI portability guidelines.","display":"Can port to other insurers with continuity benefits; apply 30 to 60 days before renewal","note":null,"quote":"The Insured beneficiary 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 beneficiary will get the accrued continuity benefits in waiting periods as per IRDAI guidelines on portability.","sources":[{"clause":"11","heading":"Portability","page":13,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-suraksha-kavach-group-bajpagp20054v011920/document/3186#c-11-4"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"not-stated","value":null,"display":null,"note":"The wording states renewal conditions but does not state lifelong renewal or no maximum renewal age.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"quote-verified","value":"Renewal loading is at portfolio level and not based on individual policy claim experience. A discount or loading up to 30% may be factored based on the bank's claims experience.","display":"Not based on individual claim experience; portfolio/bank claims experience may affect loading","note":null,"quote":"For this policy, the loadings on renewal premium shall be at portfolio and not based upon any individual policy claim experience. ... A discount or loading up to 30% may be factored based on the banks claims experience.","sources":[{"clause":"8(iv)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-suraksha-kavach-group-bajpagp20054v011920/document/3186#c-8-iv"},{"clause":"3","heading":"Claim experience Discount and Loading","page":15,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-suraksha-kavach-group-bajpagp20054v011920/document/3186#c-3-5"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"quote-verified","value":["Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. (Code- Excl 12)","Maternity (Excl. 18)","Suicide, attempted suicide or self-inflicted injury or illness;","Whilst under the influence of intoxicating liquor or drugs;","Any deliberate or intentional, unlawful or illegal activities with criminal intent","war (whether declared or not), civil war, invasion, act of foreign enemies, rebellion, revolution","Whilst engaging in aviation or ballooning","participation as the driver, co-driver or passenger of a motor vehicle during motor racing or trial runs","Any loss caused either directly or indirectly by nuclear energy, radiation","Curative treatments or interventions that the Insured performs or has had performed on his body against medical advice or without medical advice","Venereal or sexually transmitted disease","HIV (Human immunodeficiency Virus) and/or any HIV related illness including AIDS","The Insured’s participation in any naval, military or air force operations","Occupational diseases such as occupational lung diseases including asbestosis, pneumoconiosis, occupational asthma and occupational skin diseases","Treatment for any other system other than modern medicine (allopathy) and AYUSH therapies"],"display":"Excl 12, Excl 18 and policy-specific permanent exclusions including suicide, intoxication, illegal acts, war, aviation, motor racing, nuclear/radiation, treatment against medical advice, STD/HIV, armed forces operations, occupational disease and non-allopathy exclusions","note":null,"quote":"Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. (Code- Excl 12) ... Maternity (Excl. 18) ... Suicide, attempted suicide or self-inflicted injury or illness; ... Whilst under the influence of intoxicating liquor or drugs; ... Any deliberate or intentional, unlawful or illegal activities with criminal intent ... war (whether declared or not), civil war, invasion, act of foreign enemies, rebellion, revolution ... Whilst engaging in aviation or ballooning ... participation as the driver, co-driver or passenger of a motor vehicle during motor racing or trial runs ... Any loss caused either directly or indirectly by nuclear energy, radiation. ... Curative treatments or interventions that the Insured performs or has had performed on his body against medical advice or without medical advice ... Venereal or sexually transmitted disease. ... HIV (Human immunodeficiency Virus) and/or any HIV related illness including AIDS ... The Insured’s participation in any naval, military or air force operations ... Occupational diseases such as occupational lung diseases including asbestosis, pneumoconiosis, occupational asthma and occupational skin diseases. ... Treatment for any other system other than modern medicine (allopathy) and AYUSH therapies.","sources":[{"clause":"Excl12","heading":"Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof.","page":11,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-suraksha-kavach-group-bajpagp20054v011920/document/3186#c-excl12"},{"clause":"1","heading":"EXCLUSIONS APPLICABLE TO PERSONAL ACCIDENT","page":11,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-suraksha-kavach-group-bajpagp20054v011920/document/3186#c-1-4"},{"clause":"1","heading":"SPECIFIC EXCLUSIONS APPLICABLE TO PERSONAL ACCIDENT","page":11,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-suraksha-kavach-group-bajpagp20054v011920/document/3186#c-1-5"},{"clause":"2","heading":"SPECIFIC EXCLUSIONS APPLICABLE TO CREDIT SHIELD","page":11,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-suraksha-kavach-group-bajpagp20054v011920/document/3186#c-2-5"},{"clause":"3","heading":"SPECIFIC EXCLUSIONS APPLICABLE TO CRITICAL ILLNESS","page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-suraksha-kavach-group-bajpagp20054v011920/document/3186#c-3-3"},{"clause":"4","heading":"GENERAL EXCLUSIONS APPLICABLE TO All COVERS","page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-suraksha-kavach-group-bajpagp20054v011920/document/3186#c-4-4"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The policyholder can cancel by giving 7 days' written notice. If no claim has been made during the policy year, refund is pro-rata for the unexpired risk period; multi-year policies get future policy years refunded in full, and delayed refund beyond 7 days earns interest at 2% above bank rate.","display":"7 days' written notice; pro-rata refund if no claim; future years in full for multi-year policy","note":"For instalment premium policies, the premium refund for the unexpired risk period is on a pro-rata basis if no claim has been made during the policy year; medical examination expenses may also be deducted where applicable.","quote":"The Policyholder can cancel this Policy by providing a written notice of 7 days. In such a case, the Company will refund the premium for the unexpired policy period as detailed below:\n1. Cancellation of policy where full premium received at policy inception -\n• Annual Policy: The premium refund for the unexpired risk period will be on a pro-rata basis, provided no claim has been made during the policy year.\n• Multi-year Policy: o 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. ... In case of any delay in refund of premium beyond stipulated 7 days, the Company shall refund such amounts along with interest, at a rate 2% above the bank rate on the refundable amount, from the date of receipt of the request for cancellation till the date of refund.","sources":[{"clause":"12","heading":"Cancellation","page":13,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-suraksha-kavach-group-bajpagp20054v011920/document/3186#c-12-4"},{"clause":"12(ii)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-suraksha-kavach-group-bajpagp20054v011920/document/3186#c-12-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":"quote-verified","value":"The policy covers treatment availed in India, and the insurer's liability is to make payment within India and in Indian Rupees only.","display":"Treatment availed in India; payment within India in Indian Rupees","note":null,"quote":"We cover Insured for treatment availed in India. Our liability shall be to make payment within India and in Indian Rupees only.","sources":[{"clause":"4(a)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-suraksha-kavach-group-bajpagp20054v011920/document/3186#c-4-a-4"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"thirty days","note":"Applies on new individual health insurance policies and not on renewals or at the time of porting/migrating the policy.","quote":"The Free Look Period shall be applicable on new individual health insurance policies and not on renewals or at the time of porting/migrating the policy. The insured person shall be allowed free look period of thirty days from date of receipt of the policy document to review the terms and conditions of the policy, and to return the same if not acceptable.","sources":[{"clause":"4","heading":"Free Look Period","page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-suraksha-kavach-group-bajpagp20054v011920/document/3186#c-4-5"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":15},"display":"fifteen days where premium payment mode is monthly and thirty days in all other cases","note":"Shortest stated period is for monthly premium mode; thirty days applies in all other cases.","quote":"The grace period for payment of the premium for all types of insurance policies shall be: fifteen days where premium payment mode is monthly and thirty days in all other cases.","sources":[{"clause":"18","heading":"Grace Period","page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-suraksha-kavach-group-bajpagp20054v011920/document/3186#c-18"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"The insured should have attained at least 18 years and should not have completed 65 years on the date of commencement of the policy period.","display":"18 years to 65 years","note":"Eligibility is also limited to customers of HDFC Bank Ltd.","quote":"To be eligible to be covered under the Policy or get any benefits under the Policy, the Insured should have attained the age of at least 18 years and shall not have completed the age of 65 years on the date of commencement of the Policy Period as applicable.","sources":[{"clause":null,"heading":"41. Age Limit","page":17,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-suraksha-kavach-group-bajpagp20054v011920/document/3186#c-41-age-limit"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["Annual (for long term polices only)","Half Yearly","Quarterly","Monthly"],"display":"Annual, Half Yearly, Quarterly or Monthly","note":null,"quote":"If the Insured Person has opted for Payment of Premium on an instalment basis i.e. Annual (for long term polices only), Half Yearly, Quarterly or Monthly, as mentioned in the Policy Schedule","sources":[{"clause":"3","heading":"Premium Payment in Installments","page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-suraksha-kavach-group-bajpagp20054v011920/document/3186#c-3-4"}],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"quote-verified","value":["BURNS","BROKEN BONES","DEPENDENT CHILD EDUCATION BENEFIT","PARENTAL CARE BENEFIT","MOBILITY EXTENSION"],"display":"Burns, Broken Bones, Dependent Child Education Benefit, Parental Care Benefit and Mobility Extension","note":null,"quote":"Below terms and conditions will be applicable for Optional Covers which are opted by you on payment of additional premium and displayed on your Certificate of Insurance. ... OPTIONAL COVER 1: BURNS ... OPTIONAL COVER 2: BROKEN BONES ... OPTIONAL COVER 3: DEPENDENT CHILD EDUCATION BENEFIT ... OPTIONAL COVER 4: PARENTAL CARE BENEFIT ... OPTIONAL COVER 5: MOBILITY EXTENSION","sources":[{"clause":null,"heading":"OPTIONAL COVERS","page":9,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-suraksha-kavach-group-bajpagp20054v011920/document/3186#c-optional-covers"},{"clause":null,"heading":"OPTIONAL COVER 1: BURNS","page":9,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-suraksha-kavach-group-bajpagp20054v011920/document/3186#c-optional-cover-1-burns"},{"clause":null,"heading":"OPTIONAL COVER 2: BROKEN BONES","page":9,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-suraksha-kavach-group-bajpagp20054v011920/document/3186#c-optional-cover-2-broken-bones"},{"clause":null,"heading":"OPTIONAL COVER 3: DEPENDENT CHILD EDUCATION BENEFIT","page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-suraksha-kavach-group-bajpagp20054v011920/document/3186#c-optional-cover-3-dependent-child-education-benef"},{"clause":null,"heading":"OPTIONAL COVER 4: PARENTAL CARE BENEFIT","page":11,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-suraksha-kavach-group-bajpagp20054v011920/document/3186#c-optional-cover-4-parental-care-benefit"},{"clause":null,"heading":"OPTIONAL COVER 5: MOBILITY EXTENSION","page":11,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-suraksha-kavach-group-bajpagp20054v011920/document/3186#c-optional-cover-5-mobility-extension"}],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"quote-verified","value":"Coverage is available during the grace period if the premium is paid in instalments during the policy period. Otherwise, coverage need not be available during the period for which no premium is received.","display":"Available during grace period for instalment premiums; otherwise need not be available","note":null,"quote":"Coverage need not be available during the period for which no premium is received. ... Provided the insurers shall offer coverage during the grace period, if the premium is paid in instalments during the policy period. ... If the premium is paid in instalments during the Policy Period, coverage will be available for the Grace Period also.","sources":[{"clause":"18","heading":"Grace Period","page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-suraksha-kavach-group-bajpagp20054v011920/document/3186#c-18"},{"clause":"3","heading":"Premium Payment in Installments","page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-suraksha-kavach-group-bajpagp20054v011920/document/3186#c-3-4"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"Daily room limit, if any.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Childbirth cover and any waiting period.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"ped_cover_group","label":"Pre-existing diseases","section":"Waiting periods","meaning":"Whether pre-existing diseases are covered from day one for the group.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Bajaj General Suraksha Kavach (Group) Policy Wordings","pages":23,"fetched_at":"2026-10-17 19:42:24+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/health-insurance/Health-PW/Suraksha-Kavach-(Group)_PW.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-suraksha-kavach-group-bajpagp20054v011920/document/3186"},{"kind":"cis","label":"Bajaj General Suraksha Kavach (Group) Customer Information Sheet","pages":5,"fetched_at":"2026-10-17 19:38:14+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/health-insurance/Health-CIS/Suraksha-Kavach(Group)_CIS.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-suraksha-kavach-group-bajpagp20054v011920/document/3074"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Bajaj General Insurance official website","url":"https://www.bajajgeneralinsurance.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claims","url":"https://www.bajajgeneralinsurance.com/general-insurance-claims.html","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Online grievance form","url":"https://www.bajajgeneralinsurance.com/forms/form-online-grievance.html","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Bajaj General Suraksha Kavach (Group) (UIN BAJPAGP20054V011920), IndiaInsurances, https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-suraksha-kavach-group-bajpagp20054v011920"}