{"uin":"BAJPAGP24054V012324","name":"Antodaya Shramik Suraksha Yojana, Bajaj General Insurance (Group)","url":"https://indiainsurances.com/policy/bajaj-general-insurance/antodaya-shramik-suraksha-yojana-bajaj-general-insurance-group-bajpagp24054v012324","insurer":{"slug":"bajaj-general-insurance","name":"Bajaj General Insurance Limited","url":"https://indiainsurances.com/insurer/bajaj-general-insurance"},"line":"health","category":"personal-accident","category_name":"Personal accident","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"This is a group personal accident product covering accidental death, permanent disability, accidental hospitalization expenses, convalescence benefit and coma care. The cover period is up to 1 year, entry age is 18 years to 65 years, and accidental bodily injury is covered anywhere in the world while accidental hospitalization and convalescence expenses are payable only in India.","analysis":{"state":"machine","analysed_at":"2026-10-19 19:04:29.667243+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 describe coverage sections and extensions, 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":"Up to 1 year.","display":"Up to 1 year","note":null,"quote":"COVER PERIOD UNDER CERTIFICATE OF INSURANCE:\n• Up to 1 year","sources":[{"clause":"28","heading":"We, Our, Ours, the Company","page":8,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/antodaya-shramik-suraksha-yojana-bajaj-general-insurance-group-bajpagp24054v012324/document/3203#c-28-2"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"For reimbursement claims, the policyholder, insured beneficiary or claimant must inform the insurer in writing immediately and in any event within 30 days from the date of the accident, and submit all documents within 30 days from the date of intimation. For cashless accidental hospitalization, planned hospitalization must be intimated before 48 hours and emergency hospitalization within 24 hours.","display":"Reimbursement: immediately and within 30 days from accident; documents within 30 days from intimation. Cashless: planned before 48 hours; emergency within 24 hours.","note":null,"quote":"Policyholder or the Insured Beneficiary or someone claiming on his/her behalf 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. ... In case of Planned hospitalization, You/the Insured Person/ Insured’s representative shall intimate such admission before 48 hours of such hospitalization.\niii) In case of Emergency hospitalization, You/ Insured Person/ Insured’s representative shall intimate such admission within 24 hours of such hospitalization.","sources":[{"clause":null,"heading":"General Terms And Clauses – Specific Terms And Clauses","page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/antodaya-shramik-suraksha-yojana-bajaj-general-insurance-group-bajpagp24054v012324/document/3203#c-general-terms-and-clauses-specific-terms-and-cla"}],"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":["Duly Completed Claim Form signed by Nominee/ legal heir of the Insured Beneficiary","Copy of address proof (Ration card or electricity bill copy)","NEFT details & cancelled cheque","Original Policy copy along with Original Assignment endorsement (if any)","Attested copy of Death Certificate","Attested copy of disability certificate from Civil Surgeon of Government Hospital stating percentage of disability","First Consultation letter from the Doctor","Hospital Discharge Card","Hospital Bill giving detailed break up","Money Receipt, duly signed with a Revenue Stamp","All original Laboratory and Diagnostic Test Reports"],"display":"Claim form, address proof, NEFT/cancelled cheque, policy copy; plus death, disability or hospitalization documents as applicable.","note":"Additional claim-specific police, post-mortem, investigation, X-Ray and other documents may be required depending on the benefit claimed.","quote":"• Duly Completed Claim Form signed by Nominee/ legal heir of the Insured Beneficiary.\n• Copy of address proof (Ration card or electricity bill copy).\n• NEFT details & cancelled cheque of the Insured Beneficiary/ Nominee/ legal heir of the Insured Beneficiary.\n• Original Policy copy along with Original Assignment endorsement (if any). ... • Attested copy of Death Certificate. ... • Attested copy of disability certificate from Civil Surgeon of Government Hospital stating percentage of disability. ... • First Consultation letter from the Doctor.\n• Hospital Discharge Card.\n• Hospital Bill giving detailed break up of all expense heads mentioned in the bill. ... • Money Receipt, duly signed with a Revenue Stamp.\n• All original Laboratory and Diagnostic Test Reports.","sources":[{"clause":"18(a)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/antodaya-shramik-suraksha-yojana-bajaj-general-insurance-group-bajpagp24054v012324/document/3203#c-18-a-4"},{"clause":"18(b)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/antodaya-shramik-suraksha-yojana-bajaj-general-insurance-group-bajpagp24054v012324/document/3203#c-18-b-4"},{"clause":"18(c)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/antodaya-shramik-suraksha-yojana-bajaj-general-insurance-group-bajpagp24054v012324/document/3203#c-18-c-4"},{"clause":"18(d)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/antodaya-shramik-suraksha-yojana-bajaj-general-insurance-group-bajpagp24054v012324/document/3203#c-18-d-2"}],"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 after it is satisfied about admissibility. If investigation is warranted, it will initiate and complete the investigation not later than 30 days from receipt of the last necessary document, and delay beyond the stipulated 15 days carries interest at 2% above bank rate.","display":"Within 15 days of receipt of the last necessary document; investigation to be completed within 30 days where required.","note":"The same clause says delay in payment attracts interest at 2% above the bank rate.","quote":"On receipt of all the documents and on being satisfied with regard to the admissibility of the claim as per Policy terms and conditions, 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.","sources":[{"clause":"18(d)(iii)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/antodaya-shramik-suraksha-yojana-bajaj-general-insurance-group-bajpagp24054v012324/document/3203#c-18-d-iii"},{"clause":"18(d)(iv)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/antodaya-shramik-suraksha-yojana-bajaj-general-insurance-group-bajpagp24054v012324/document/3203#c-18-d-iv"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Any Injury or disability arising out of a Pre- Existing Disease/injury or any complication arising therefrom","suicide or attempted suicide (whether sane or insane) or intentionally self-inflicted Injury or illness","Being under the influence of intoxicating liquor or drugs or other intoxicants","naval, military or air force operations","hazardous activity","Professional or Adventure sports without expert supervision of trained professional","Actual or attempted felony, riot, crime, misdemeanor (excluding traffic violations) or civil commotion","Act of Terrorism","Mosquito bite, insect bite and resultant diseases","childbirth or from pregnancy","Aviation or Ballooning","Investigation & Evaluation- Code- Excl04","Dental treatment or surgery of any kind unless as a result of Accidental Bodily Injury to natural teeth and also requiring hospitalization","Any Natural death not limited to sickness, illness, disease","War or any act of war, invasion, act of foreign enemy, civil war","Treatment for any other system other than modern medicine (allopathy) and AYUSH therapies"],"display":"Pre-existing injury/disease, suicide or self-inflicted injury, intoxication, military or hazardous/adventure activities, criminal acts, terrorism, mosquito/insect-borne diseases, pregnancy/childbirth, aviation/ballooning, Excl04 investigation and evaluation, most dental treatment, natural death or illness, war/nuclear risks, and non-allopathy/non-AYUSH treatment.","note":null,"quote":"Any Injury or disability arising out of a Pre- Existing Disease/injury or any complication arising therefrom. ... a) suicide or attempted suicide (whether sane or insane) or intentionally self-inflicted Injury or illness. ... Being under the influence of intoxicating liquor or drugs or other intoxicants ... Participation in,\na) naval, military or air force operations;\nb) hazardous activity;\nc) Professional or Adventure sports without expert supervision of trained professional;\nd) Actual or attempted felony, riot, crime, misdemeanor (excluding traffic violations) or civil commotion; ... Any loss, damage cost or expense of whatsoever nature caused by, resulting from or in connection with any Act of Terrorism ... Mosquito bite, insect bite and resultant diseases are excluded under the Policy. ... Any loss resulting contributed or aggravated or prolonged by childbirth or from pregnancy. ... Whilst engaging in Aviation or Ballooning ... Investigation & Evaluation- Code- Excl04 ... Dental treatment or surgery of any kind unless as a result of Accidental Bodily Injury to natural teeth and also requiring hospitalization. ... Any Natural death not limited to sickness, illness, disease and any claim arising out of any Illness, complication or ailment not arising out of Injury (as defined in the policy). ... Death, Injury or Disablement of the Insured Person arising out of directly / indirectly from War or any act of war, invasion, act of foreign enemy, civil war ... Treatment for any other system other than modern medicine (allopathy) and AYUSH therapies.","sources":[{"clause":"1","heading":null,"page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/antodaya-shramik-suraksha-yojana-bajaj-general-insurance-group-bajpagp24054v012324/document/3203#c-1-4"},{"clause":"2","heading":"Any claim of Insured Person arising from","page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/antodaya-shramik-suraksha-yojana-bajaj-general-insurance-group-bajpagp24054v012324/document/3203#c-2-4"},{"clause":"3","heading":"Being under the influence of intoxicating liquor or drugs or other intoxicants","page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/antodaya-shramik-suraksha-yojana-bajaj-general-insurance-group-bajpagp24054v012324/document/3203#c-3-3"},{"clause":"4","heading":null,"page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/antodaya-shramik-suraksha-yojana-bajaj-general-insurance-group-bajpagp24054v012324/document/3203#c-4-3"},{"clause":"5","heading":null,"page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/antodaya-shramik-suraksha-yojana-bajaj-general-insurance-group-bajpagp24054v012324/document/3203#c-5-3"},{"clause":"7","heading":null,"page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/antodaya-shramik-suraksha-yojana-bajaj-general-insurance-group-bajpagp24054v012324/document/3203#c-7-3"},{"clause":"8","heading":null,"page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/antodaya-shramik-suraksha-yojana-bajaj-general-insurance-group-bajpagp24054v012324/document/3203#c-8-3"},{"clause":"9","heading":null,"page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/antodaya-shramik-suraksha-yojana-bajaj-general-insurance-group-bajpagp24054v012324/document/3203#c-9-3"},{"clause":"10","heading":"Investigation & Evaluation- Code- Excl04","page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/antodaya-shramik-suraksha-yojana-bajaj-general-insurance-group-bajpagp24054v012324/document/3203#c-10-3"},{"clause":"11","heading":null,"page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/antodaya-shramik-suraksha-yojana-bajaj-general-insurance-group-bajpagp24054v012324/document/3203#c-11-3"},{"clause":"12","heading":null,"page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/antodaya-shramik-suraksha-yojana-bajaj-general-insurance-group-bajpagp24054v012324/document/3203#c-12-3"},{"clause":"15","heading":null,"page":13,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/antodaya-shramik-suraksha-yojana-bajaj-general-insurance-group-bajpagp24054v012324/document/3203#c-15-3"},{"clause":"18","heading":null,"page":13,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/antodaya-shramik-suraksha-yojana-bajaj-general-insurance-group-bajpagp24054v012324/document/3203#c-18-3"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First use the insurer's grievance channels such as toll-free number, branches, website or Level 1 e-mail careforyou@bajajgeneral.com; senior citizens may write to seniorcitizen@bajajgeneral.com. If not satisfied, write to the Grievance Redressal Officer at ggro@bajajgeneral.com, then use Level 3 call-back, and only after that approach the Insurance Ombudsman.","display":"Level 1: careforyou@bajajgeneral.com or seniorcitizen@bajajgeneral.com; Level 2: Grievance Redressal Officer at ggro@bajajgeneral.com; Level 3: missed call/SMS, then Insurance Ombudsman.","note":null,"quote":"a) Level 1: Write to careforyou@bajajgeneral.com and for senior citizens to seniorcitizen@bajajgeneral.com ... b) Level 2: In case you are not satisfied with the response given to you at Level 1 you may write to our Grievance Redressal Officer at ggro@bajajgeneral.com ... c) Level 3: If in case, your grievance is still not resolved, and you wish to talk to our care specialist, please give a missed call on +91 80809 45060 OR SMS To 575758 and our care specialist will call you back\n5. If you are still not satisfied with the decision of the Insurance Company, you may approach the Insurance Ombudsman","sources":[{"clause":"18(a)","heading":"Level 1","page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/antodaya-shramik-suraksha-yojana-bajaj-general-insurance-group-bajpagp24054v012324/document/3203#c-18-a-2"},{"clause":"18(b)","heading":"Level 2","page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/antodaya-shramik-suraksha-yojana-bajaj-general-insurance-group-bajpagp24054v012324/document/3203#c-18-b-2"},{"clause":"18(c)","heading":"Level 3","page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/antodaya-shramik-suraksha-yojana-bajaj-general-insurance-group-bajpagp24054v012324/document/3203#c-18-c-2"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"not-stated","value":null,"display":null,"note":"The documents point to the Policy Schedule/Certificate of Insurance for the sum insured, but do not list selectable cover amounts.","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":"not-applicable","value":null,"display":null,"note":"This product covers accidental benefits and accidental hospitalization, not general illness hospitalization; the CIS states waiting period is not applicable.","quote":null,"sources":[],"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":"Pre-existing disease/injury is excluded under this accident product rather than covered after a waiting period.","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":"This is an accident benefit product and the CIS states waiting period is not applicable; there is no specific illness waiting-period cover.","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 waiting-period list applies because the product covers accidental benefits and the CIS states waiting period is not applicable.","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":"60 continuous months","note":"For enhanced sum insured, the 60 continuous months applies from the date of enhancement only on the enhanced limits.","quote":"After completion of sixty continuous months of coverage (including portability and migration) no look back would be applied. This period of sixty months is called as moratorium period. ... 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":"18(d)(v)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/antodaya-shramik-suraksha-yojana-bajaj-general-insurance-group-bajpagp24054v012324/document/3203#c-18-d-v"}],"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 may 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 under an Indian general/health insurer, accrued continuity benefits in waiting periods are given as per IRDAI portability guidelines.","display":"Yes, apply at least 30 days before and not earlier than 60 days from renewal; accrued waiting-period continuity benefits apply if continuously covered without lapses.","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":"18(d)(v)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/antodaya-shramik-suraksha-yojana-bajaj-general-insurance-group-bajpagp24054v012324/document/3203#c-18-d-v"}],"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 policy says renewal is generally available, but does not state lifelong renewal or renewal without a maximum 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 premium loadings are at portfolio level and not based on any individual policy claim experience. The insurer may provide a premium discount for good claims experience.","display":"No individual claim-based loading; loadings are at portfolio level.","note":null,"quote":"For this policy, the loadings on renewal premium shall be at portfolio and not based upon any individual policy claim experience. However, discount in premium may be provided by Us to You for good claims experience.","sources":[{"clause":"18(c)(iv)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/antodaya-shramik-suraksha-yojana-bajaj-general-insurance-group-bajpagp24054v012324/document/3203#c-18-c-iv"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"quote-verified","value":["Any Injury or disability arising out of a Pre- Existing Disease/injury or any complication arising therefrom","suicide or attempted suicide (whether sane or insane) or intentionally self-inflicted Injury or illness","Being under the influence of intoxicating liquor or drugs or other intoxicants","naval, military or air force operations","hazardous activity","Professional or Adventure sports without expert supervision of trained professional","breach of law with criminal intent","Act of Terrorism","Mosquito bite, insect bite and resultant diseases","childbirth or from pregnancy","Aviation or Ballooning","Investigation & Evaluation- Code- Excl04","Dental treatment or surgery of any kind unless as a result of Accidental Bodily Injury to natural teeth and also requiring hospitalization","Any Natural death not limited to sickness, illness, disease","Any Injury that has occurred prior to the commencement of Policy cover","War or any act of war, invasion, act of foreign enemy, civil war","radioactive, toxic, explosive or other dangerous properties of any explosive nuclear equipment","underground mines, explosives magazines, hydro or thermal power projects","Treatment for any other system other than modern medicine (allopathy) and AYUSH therapies"],"display":"Permanent exclusions include pre-existing injury/disease, suicide or self-inflicted injury, intoxication, military/hazardous/adventure activities, criminal acts, terrorism, insect-borne diseases, pregnancy/childbirth, aviation/ballooning, Excl04 investigation/evaluation, most dental treatment, natural death or illness, prior injury, war/nuclear risks, specified high-risk work sites, and non-allopathy/non-AYUSH treatment.","note":"Only Excl04 is printed with a standard exclusion code in the wording excerpt.","quote":"Any Injury or disability arising out of a Pre- Existing Disease/injury or any complication arising therefrom. ... suicide or attempted suicide (whether sane or insane) or intentionally self-inflicted Injury or illness. ... Being under the influence of intoxicating liquor or drugs or other intoxicants ... Participation in,\na) naval, military or air force operations;\nb) hazardous activity;\nc) Professional or Adventure sports without expert supervision of trained professional; ... Arising or resulting from the Insured Person(s) committing any breach of law with criminal intent. ... Act of Terrorism ... Mosquito bite, insect bite and resultant diseases are excluded under the Policy. ... Any loss resulting contributed or aggravated or prolonged by childbirth or from pregnancy. ... Whilst engaging in Aviation or Ballooning ... Investigation & Evaluation- Code- Excl04 ... Dental treatment or surgery of any kind unless as a result of Accidental Bodily Injury to natural teeth and also requiring hospitalization. ... Any Natural death not limited to sickness, illness, disease ... Any Injury that has occurred prior to the commencement of Policy cover whether or not the same has been treated, or medical advice, diagnosis, care or treatment has been sought. ... Death, Injury or Disablement of the Insured Person arising out of directly / indirectly from War or any act of war, invasion, act of foreign enemy, civil war ... Death, Injury or Disablement of the Insured Person arising out of directly / indirectly from the radioactive, toxic, explosive or other dangerous properties of any explosive nuclear equipment or any part of that equipment. ... Death, Injury or Disablement of the Insured Person directly involved in underground mines, explosives magazines, hydro or thermal power projects. ... Treatment for any other system other than modern medicine (allopathy) and AYUSH therapies.","sources":[{"clause":"1","heading":null,"page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/antodaya-shramik-suraksha-yojana-bajaj-general-insurance-group-bajpagp24054v012324/document/3203#c-1-4"},{"clause":"2","heading":"Any claim of Insured Person arising from","page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/antodaya-shramik-suraksha-yojana-bajaj-general-insurance-group-bajpagp24054v012324/document/3203#c-2-4"},{"clause":"3","heading":"Being under the influence of intoxicating liquor or drugs or other intoxicants","page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/antodaya-shramik-suraksha-yojana-bajaj-general-insurance-group-bajpagp24054v012324/document/3203#c-3-3"},{"clause":"4","heading":null,"page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/antodaya-shramik-suraksha-yojana-bajaj-general-insurance-group-bajpagp24054v012324/document/3203#c-4-3"},{"clause":"6","heading":null,"page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/antodaya-shramik-suraksha-yojana-bajaj-general-insurance-group-bajpagp24054v012324/document/3203#c-6-3"},{"clause":"5","heading":null,"page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/antodaya-shramik-suraksha-yojana-bajaj-general-insurance-group-bajpagp24054v012324/document/3203#c-5-3"},{"clause":"7","heading":null,"page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/antodaya-shramik-suraksha-yojana-bajaj-general-insurance-group-bajpagp24054v012324/document/3203#c-7-3"},{"clause":"8","heading":null,"page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/antodaya-shramik-suraksha-yojana-bajaj-general-insurance-group-bajpagp24054v012324/document/3203#c-8-3"},{"clause":"9","heading":null,"page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/antodaya-shramik-suraksha-yojana-bajaj-general-insurance-group-bajpagp24054v012324/document/3203#c-9-3"},{"clause":"10","heading":"Investigation & Evaluation- Code- Excl04","page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/antodaya-shramik-suraksha-yojana-bajaj-general-insurance-group-bajpagp24054v012324/document/3203#c-10-3"},{"clause":"11","heading":null,"page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/antodaya-shramik-suraksha-yojana-bajaj-general-insurance-group-bajpagp24054v012324/document/3203#c-11-3"},{"clause":"12","heading":null,"page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/antodaya-shramik-suraksha-yojana-bajaj-general-insurance-group-bajpagp24054v012324/document/3203#c-12-3"},{"clause":"13","heading":null,"page":13,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/antodaya-shramik-suraksha-yojana-bajaj-general-insurance-group-bajpagp24054v012324/document/3203#c-13-3"},{"clause":"15","heading":null,"page":13,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/antodaya-shramik-suraksha-yojana-bajaj-general-insurance-group-bajpagp24054v012324/document/3203#c-15-3"},{"clause":"16","heading":null,"page":13,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/antodaya-shramik-suraksha-yojana-bajaj-general-insurance-group-bajpagp24054v012324/document/3203#c-16-3"},{"clause":"17","heading":null,"page":13,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/antodaya-shramik-suraksha-yojana-bajaj-general-insurance-group-bajpagp24054v012324/document/3203#c-17-3"},{"clause":"18","heading":null,"page":13,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/antodaya-shramik-suraksha-yojana-bajaj-general-insurance-group-bajpagp24054v012324/document/3203#c-18-3"}],"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 the policy by giving 7 days' written notice. If no claim has been made during the policy year, refund of premium for the unexpired risk period is on a pro-rata basis; future multi-year policy years where risk has not started are refunded without deduction.","display":"7 days' written notice; pro-rata refund for unexpired risk period if no claim has been made.","note":"Medical examination expenses may also be deducted where the risk or part of the cover has commenced.","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, ... 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. ... 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.","sources":[{"clause":"18(d)(v)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/antodaya-shramik-suraksha-yojana-bajaj-general-insurance-group-bajpagp24054v012324/document/3203#c-18-d-v"}],"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":"Accidental bodily injury is covered anywhere in the world, subject to Indian Government travel and other restrictions, but payment is made only within India and in Indian Rupees. Convalescence benefit and accidental hospitalization expenses are paid only for expenses incurred in India and in Indian Rupees.","display":"Accidental bodily injury: anywhere in the world; accidental hospitalization and convalescence expenses: India only. Payment only in India and Indian Rupees.","note":null,"quote":"We cover Accidental Bodily Injury sustained during the Policy Period anywhere in the world (subject to the travel and other restrictions that the Indian Government may impose), but we will only make payment within India and in Indian Rupees.\nii. For “Convalescence Benefit (Prolonged Hospitalization Benefit) For Accidental Bodily Injury” and “Accidental Hospitalization expenses” We will make payment only for expenses incurred in India and in Indian Rupees.","sources":[{"clause":null,"heading":"15. Norms on Migration","page":20,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/antodaya-shramik-suraksha-yojana-bajaj-general-insurance-group-bajpagp24054v012324/document/3203#c-15-norms-on-migration"}],"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":"30 days from receipt of the first Certificate of Insurance","note":"Free look period is not applicable for renewal Certificate of Insurance.","quote":"Insured Beneficiary have a period of 30 days from the date of receipt of the first Certificate of Insurance to review the terms and conditions of the Certificate of Insurance.","sources":[{"clause":"18(d)(v)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/antodaya-shramik-suraksha-yojana-bajaj-general-insurance-group-bajpagp24054v012324/document/3203#c-18-d-v"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days; 15 days where premium payment mode is monthly","note":"The standard definition gives 15 days for monthly mode and 30 days otherwise; the renewal clause mentions Grace Period (30 days).","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. ... 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.","sources":[{"clause":"17","heading":"Grace Period","page":3,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/antodaya-shramik-suraksha-yojana-bajaj-general-insurance-group-bajpagp24054v012324/document/3203#c-17"},{"clause":"18(c)(iii)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/antodaya-shramik-suraksha-yojana-bajaj-general-insurance-group-bajpagp24054v012324/document/3203#c-18-c-iii"}],"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":"Self: 18 years to 65 years.","display":"18 years to 65 years","note":null,"quote":"Eligible Entry Age Limit:\nMember | Eligible Entry Age\nSelf | 18 years to 65 years","sources":[{"clause":null,"heading":"General Terms And Clauses – Specific Terms And Clauses","page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/antodaya-shramik-suraksha-yojana-bajaj-general-insurance-group-bajpagp24054v012324/document/3203#c-general-terms-and-clauses-specific-terms-and-cla"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"not-stated","value":null,"display":null,"note":"The documents mention grace periods for monthly and other premium modes, but do not state which premium payment modes are available for this product.","quote":null,"sources":[],"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":["Pre-Hospitalization and Post Hospitalization"],"display":"Pre-Hospitalization and Post Hospitalization, for additional premium","note":"This extension applies if the claim under Accidental Hospitalization Expenses is accepted.","quote":"In consideration of payment of an additional premium at the inception of the Cover Period under Certificate of Insurance by the Insured Person to the Company and realization thereof by the Company, it is hereby agreed and declared that if the claim under this section is accepted for the Insured Beneficiary, then the Company will pay for the following additional benefits/expenses which will be over and above the Sum Insured:\nExtension 3- Pre-Hospitalization and Post Hospitalization:","sources":[{"clause":"2","heading":null,"page":11,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/antodaya-shramik-suraksha-yojana-bajaj-general-insurance-group-bajpagp24054v012324/document/3203#c-2-3"}],"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 need not be available during the period for which no premium is received. However, the insurer shall offer coverage during the grace period if the premium is paid in instalments during the policy period.","display":"Coverage need not be available if no premium is received; coverage is offered during grace period if premium is paid in instalments during the policy period.","note":null,"quote":"Coverage need not be available during the period for which no premium is received. 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. Provided the insurers shall offer coverage during the grace period, if the premium is paid in instalments during the policy period.","sources":[{"clause":"17","heading":"Grace Period","page":3,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/antodaya-shramik-suraksha-yojana-bajaj-general-insurance-group-bajpagp24054v012324/document/3203#c-17"}],"law":[]},{"key":"accidental_death","label":"Accidental death","section":"Cover","meaning":"What is paid if an accident causes death.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"permanent_total_disability","label":"Permanent total disability","section":"Cover","meaning":"What is paid for permanent total disability.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"permanent_partial_disability","label":"Permanent partial disability","section":"Cover","meaning":"The table of payouts for losing a limb, eye, hearing...","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"temporary_total_disability","label":"Temporary total disability","section":"Cover","meaning":"Weekly income paid while you cannot work after an accident.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"accident_medical","label":"Accident medical expenses","section":"Cover","meaning":"Treatment costs after an accident.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"occupation_classes","label":"Occupation rules","section":"Eligibility","meaning":"Whether your job affects cover or premium.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Antodaya Shramik Suraksha Yojana, Bajaj General Insurance (Group) Policy Wordings","pages":31,"fetched_at":"2026-10-17 19:43:05+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/health-insurance/Health-PW/Antodaya-Shramik-Suraksha-Yoja_PW.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/antodaya-shramik-suraksha-yojana-bajaj-general-insurance-group-bajpagp24054v012324/document/3203"},{"kind":"cis","label":"Antodaya Shramik Suraksha Yojana, Bajaj General Insurance (Group) Customer Information Sheet","pages":4,"fetched_at":"2026-10-17 19:39:00+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/health-insurance/Health-Group-CIS/Antoday-Shramik-Suraksha-Yojana_CIS.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/antodaya-shramik-suraksha-yojana-bajaj-general-insurance-group-bajpagp24054v012324/document/3096"}],"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":"Antodaya Shramik Suraksha Yojana, Bajaj General Insurance (Group) (UIN BAJPAGP24054V012324), IndiaInsurances, https://indiainsurances.com/policy/bajaj-general-insurance/antodaya-shramik-suraksha-yojana-bajaj-general-insurance-group-bajpagp24054v012324"}