{"uin":"CHOHLGP24168V012324","name":"Chola Credit Link Daily Benefit Policy","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324","insurer":{"slug":"cholamandalam-ms-general-insurance","name":"Cholamandalam MS General Insurance Company Limited","url":"https://indiainsurances.com/insurer/cholamandalam-ms-general-insurance"},"line":"health","category":"hospital-cash","category_name":"Hospital daily cash","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"This is a group health benefit policy for borrowers aged 18 years to 70 years that pays a daily benefit for hospital confinement of more than 24 hours and listed day care procedures. It has a 30-day initial waiting period, a 12-month specified disease waiting period, a 36-month PED waiting period, and claims during the grace period are not payable.","analysis":{"state":"machine","analysed_at":"2026-10-19 19:01:30.961252+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":"Documents mention that benefits depend on the plan or coverage opted, but do not list named 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 cancellation scale shows policy terms of 1, 2, 3, 4 and 5 years; the actual policy duration is stated in the policy certificate.","display":"1, 2, 3, 4 or 5 years","note":null,"quote":"1 Year Policy Term | 2 Year Policy Term | 3 Year Policy Term | 4 Year Policy Term | 5 Year Policy Term ... Policy Certificate /Certificate of Insurance means that portion of the Policy which sets out Your personal details, the type and plan of insurance cover in force, the Policy duration and Daily Cash Benefit etc.","sources":[{"clause":"30(d)(i)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4540#c-30-d-i"},{"clause":null,"heading":"38.Policy Certificate /Certificate of Insurance","page":7,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4540#c-38-policy-certificate-certificate-of-insurance"}],"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":"Give notice of the claim within 7 days of the happening of the event, irrespective of notice to any other insurer.","display":"Within 7 days of the happening of the event","note":null,"quote":"Give us notice of the claim within 7 days of the happening of the event irrespective of notice provided to any other insurer for the same illness in case you are holding multiple insurance policies","sources":[{"clause":"Row 21(a)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4540#c-row-21-a"}],"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 filled and signed Claim form","Detailed discharge summary specifying the DOA, DOD, ailment & treatment details","FIR / MLC copy in case of RTA’s cases.","Original cancelled cheque of the insured bank account and copy of the pass book / bank statement, if the name is not mentioned in the cheque)","Copy of the final hospital bill specifying the number of days of hospitalization","KYC documents wherever applicable"],"display":"Claim form, discharge summary, FIR/MLC for RTA, cancelled cheque/bank proof, final hospital bill, and KYC documents where applicable","note":null,"quote":"Following documents are to be submitted for processing of the claim along with the duly filled & signed claim form by the insured / nominee along with the below listed documents:\n1. Duly filled and signed Claim form\n2. Detailed discharge summary specifying the DOA, DOD, ailment & treatment details (The insured may collect back originals after the same has been verified by the company).\n3. FIR / MLC copy in case of RTA’s cases.\n4. Original cancelled cheque of the insured bank account and copy of the pass book / bank statement, if the name is not mentioned in the cheque)\n5. Copy of the final hospital bill specifying the number of days of hospitalization\n6. KYC documents wherever applicable","sources":[{"clause":null,"heading":"18. List of claim documents to be submitted","page":16,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4540#c-18-list-of-claim-documents-to-be-submitted"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The Company shall settle or reject a claim within 15 days from the date of receipt of the last necessary document; delay attracts interest at 2% above the bank rate.","display":"15 days from receipt of last necessary document","note":null,"quote":"The Company shall settle or reject a claim ,as the case may be, within 15 days from the date of receipt of last necessary document ... In case of delay in the payment of a claim, the Company shall be liable to pay interest to the policyholder from the date of receipt of last necessary document to the date of payment of claim at a rate 2% above the bank rate.","sources":[{"clause":null,"heading":"2. Condition Precedent to Admission of Liability","page":12,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4540#c-2-condition-precedent-to-admission-of-liability"}],"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":["Pre-Existing Disease (PED) and its direct complications until the expiry of 36 months","listed Conditions, surgeries/treatments until the expiry of first 12 months","any illness within 30 days from the first policy commencement date","Investigation & Evaluation","Rest Cure, rehabilitation and respite care","Change-of-Gender treatments","Cosmetic or plastic Surgery","Hazardous or Adventure sports","Breach of law","Excluded Providers","Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof","Unproven Treatments","Sterility and Infertility","Maternity","War or any act of war"],"display":"PED 36 months, specified diseases 12 months, 30-day illness waiting period, and exclusions including investigation, rest cure, change of gender, cosmetic surgery, adventure sports, breach of law, excluded providers, alcoholism/drug abuse, unproven treatments, infertility, maternity and war","note":null,"quote":"Expenses related to the treatment of a Pre-Existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first policy with insurer. ... Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of first 12 months of continuous coverage after the date of inception of the first policy with us. ... Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered. ... Investigation & Evaluation – Code – Excl04 ... Rest Cure, rehabilitation and respite care – code – Excl05 ... Change-of-Gender treatments: Expenses related to any treatment, including surgical management, to change characteristics of the body to those of the opposite sex. Code – Excl07. ... Cosmetic or plastic Surgery: Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an Accident, Burn(s) or Cancer ... Hazardous or Adventure sports: Expenses related to any treatment, necessitated due to participation as a professional in hazardous or adventure sports ... Breach of law: Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent. Code – Excl 10. ... Excluded Providers: Code-Excl11: Expenses incurred towards treatment in any hospital or by any Medical Practitioner or any other provider specifically excluded by the Insurer ... Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. Excl12. ... Unproven Treatments: Expenses related to any unproven treatment, services and supplies for or in connection with any treatment. ... Sterility and Infertility: Code – Excl17: Expenses related to Sterility and infertility. ... Maternity: Code – Excl18 ... War or any act of war, invasion, acts of foreign enemies, hostilities whether war be declared or not, civil war, revolution, insurrection, mutiny, martial law.","sources":[{"clause":"Excl01","heading":"Pre-Existing Diseases – Code – Excl01","page":8,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4540#c-excl01"},{"clause":"Excl02","heading":"Specified disease/procedure waiting period – Code – Excl02","page":8,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4540#c-excl02"},{"clause":null,"heading":"3. 30-day waiting period – Code – Excl03","page":9,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4540#c-3-30-day-waiting-period-code-excl03"},{"clause":"Excl04","heading":"Investigation & Evaluation – Code – Excl04","page":9,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4540#c-excl04"},{"clause":"Excl05","heading":"Rest Cure, rehabilitation and respite care – code – Excl05","page":9,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4540#c-excl05"},{"clause":"4","heading":"Change-of-Gender treatments","page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4556#c-4"},{"clause":"5","heading":"Cosmetic or plastic Surgery","page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4556#c-5"},{"clause":"6","heading":"Hazardous or Adventure sports","page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4556#c-6"},{"clause":"7","heading":"Breach of law","page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4556#c-7"},{"clause":"8","heading":"Excluded Providers","page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4556#c-8"},{"clause":"9","heading":null,"page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4556#c-9"},{"clause":"13","heading":"Unproven Treatments","page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4556#c-13"},{"clause":"14","heading":"Sterility and Infertility","page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4556#c-14"},{"clause":"15","heading":"Maternity: Code – Excl18","page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4556#c-15"},{"clause":"16","heading":null,"page":11,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4540#c-16"}],"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":"For a grievance, contact the company through its website, toll free number, e-mail or courier, and write to customercare@cholams.murugappa.com to register the complaint. If dissatisfied or there is delay, escalate to the Nodal Officer and then to the Chief Grievance Officer before approaching the Insurance Ombudsman.","display":"Company customer care first, then Nodal Officer, then Chief Grievance Officer","note":null,"quote":"Mechanism for Grievance Redressal:- In case of any grievance the insured person may contact the company through\nWebsite : www.cholainsurance.com Toll free : 1800 208 9100 E-Mail : customercare@cholams.murugappa.com Courier : Manager, Customer Care, Chola MS General Insurance Company Limited Hari Nivas Towers First Floor, #163, Thambu Chetty Street, Parry’s Corner, Chennai – 600001 ... Please write to customercare@cholams.murugappa.com to register your complaint. ... In case you are dissatisfied with the response or have not received a response, you may escalate the same to our Nodal Officer – Nodalescalation@cholams.murugappa.com ... In case you are still unhappy with the response or have not received a response within 7 working days, you may escalate the same to our Chief Grievance Officer - GRO@cholams.murugappa.com","sources":[{"clause":null,"heading":"GRIEVANCE REDRESSAL MECHANISM","page":18,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4540#c-grievance-redressal-mechanism"},{"clause":null,"heading":"Procedure of Grievance Redressal","page":18,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4540#c-procedure-of-grievance-redressal"},{"clause":null,"heading":"Escalation Matrix","page":19,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4540#c-escalation-matrix"}],"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":"Documents say the coverage and sum insured/daily benefit are as mentioned in the Policy Schedule/Certificate, but do not list selectable 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":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Not applicable to claims arising due to an accident, provided the accident claim is covered.","quote":"Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered.","sources":[{"clause":null,"heading":"3. 30-day waiting period – Code – Excl03","page":9,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4540#c-3-30-day-waiting-period-code-excl03"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"quote-verified","value":{"unit":"months","amount":36},"display":"36 months","note":"Coverage after 36 months is subject to the pre-existing disease being declared at application and accepted by the insurer.","quote":"Expenses related to the treatment of a Pre-Existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first policy with insurer.","sources":[{"clause":"Excl01","heading":"Pre-Existing Diseases – Code – Excl01","page":8,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4540#c-excl01"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"quote-verified","value":{"unit":"months","amount":12},"display":"12 months","note":"If a listed disease or procedure also falls under the PED waiting period, the longer waiting period applies.","quote":"Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of first 12 months of continuous coverage after the date of inception of the first policy with us. This exclusion shall not be applicable for claims arising due to an accident.","sources":[{"clause":"Excl02","heading":"Specified disease/procedure waiting period – Code – Excl02","page":8,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4540#c-excl02"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"quote-verified","value":["Congenital Internal Anomaly","Varicose veins and Varicose Ulcers","Rheumatism and arthritis of any kind","Treatment of diseases on ears/ tonsils /adenoids /paranasal sinuses / Deviated Nasal Septum","Stones in the Urinary and Biliary systems","Gastric or Duodenal Ulcer","Any type of benign Cyst/ Nodules/ Polyps/ Tumours/ Breast Lumps","Intervertebral Disc Prolapse, and Degenerative Disc / vertebral Disorders","Cataract","Benign Prostatic Hypertrophy","Myomectomy, Hysterectomy unless because of malignancy","Dilatation and curettage (D&C)","Anal Fistula, Fissure and Piles","All types of Hernia","Hydrocele","Chronic Renal Failure","Joint replacement Surgery unless because of accident"],"display":"Congenital Internal Anomaly; Varicose veins and Varicose Ulcers; Rheumatism and arthritis; ear/tonsil/adenoid/paranasal sinus/DNS treatments; urinary and biliary stones; gastric or duodenal ulcer; benign cysts/nodules/polyps/tumours/breast lumps; disc/vertebral disorders; cataract; BPH; myomectomy/hysterectomy; D&C; fistula/fissure/piles; hernia; hydrocele; chronic renal failure; joint replacement unless due to accident","note":null,"quote":"f) List of specific diseases/procedures are as below;\na) Congenital Internal Anomaly\nb) Varicose veins and Varicose Ulcers\nc) Rheumatism and arthritis of any kind\nd) Treatment of diseases on ears/ tonsils /adenoids /paranasal sinuses / Deviated Nasal Septum\ne) Stones in the Urinary and Biliary systems\nf) Gastric or Duodenal Ulcer\ng) Any type of benign Cyst/ Nodules/ Polyps/ Tumours/ Breast Lumps\nh) Intervertebral Disc Prolapse, and Degenerative Disc / vertebral Disorders\ni) Cataract\nj) Benign Prostatic Hypertrophy\nk) Myomectomy, Hysterectomy unless because of malignancy\nl) Dilatation and curettage (D&C)\nm) Anal Fistula, Fissure and Piles\nn) All types of Hernia\no) Hydrocele\np) Chronic Renal Failure\nq) Joint replacement Surgery unless because of accident","sources":[{"clause":"Excl02","heading":"Specified disease/procedure waiting period – Code – Excl02","page":8,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4540#c-excl02"}],"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 applies from the date of enhancement on the enhanced limits.","quote":"After completion of sixty continuous months of coverage (including portability and migration) in health insurance policy, no policy and claim shall be contestable by the insurer on grounds of non-disclosure, misrepresentation, except on grounds of established fraud. This period of sixty continuous months is called as moratorium period.","sources":[{"clause":"Row 21(e)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4540#c-row-21-e"}],"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":"Portability is not applicable.","display":"Not Applicable","note":null,"quote":"Portability - Not Applicable","sources":[{"clause":null,"heading":"Classification: Internal","page":2,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4524#c-classification-internal-2"}],"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 it may be renewed and is ordinarily renewable except on fraud or misrepresentation, 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":"not-stated","value":null,"display":null,"note":"The documents do not state whether renewal premium can be loaded because a claim was made.","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 Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"quote-verified","value":["Investigation & Evaluation – Code – Excl04","Rest Cure, rehabilitation and respite care – code – Excl05","Obesity/Weight Control: Code – Excl06","Change-of-Gender treatments: Code – Excl07","Cosmetic or plastic Surgery: Code – Excl08","Hazardous or Adventure sports: Code – Excl09","Breach of law: Code – Excl 10","Excluded Providers: Code-Excl11","Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. Excl12.","Treatments received in health hydros, nature cure clinics, spas or similar establishments","Dietary supplements and substances that can be purchased without prescription","Refractive Error: Expenses related to the treatment for correction of eye sight due to refractive error less than 7.5 dioptres.Code – Excl15.","Unproven Treatments: Code – Excl16","Sterility and Infertility: Code – Excl17","Maternity: Code – Excl18","War or any act of war","Any Insured Person committing or attempting to commit a breach of law with criminal intent or intentional self-injury or attempted suicide whether sane or insane.","The use, misuse or abuse of alcohol, Tobacco and related products, banned substances or narcotic drugs","ionizing radiation or contamination by radioactivity","Circumcisions","Vaccination or inoculation unless forming a part of post-animal bite treatment.","Sexually transmitted disease or illness.(other than HIV)","Durable medical equipment","Any external congenital diseases, defects or anomalies","hearing aids, eyeglasses or contact lenses","dental treatment or surgery of a corrective, cosmetic or aesthetic nature","Treatment rendered by a Medical Practitioner which is outside his discipline","not medically necessary, drugs or treatments which are not supported by a prescription","treatment / operation undertaken to cure impotence or to improve potency","Treatment as a result of natural Perils like avalanche, earthquake, volcanic eruptions.","Treatment other than Allopathy and AYUSH"],"display":"Excl04 to Excl18, plus war, self-injury/suicide, alcohol/tobacco/narcotics, radiation, circumcision, vaccination, STD other than HIV, durable medical equipment, external congenital anomalies, hearing aids/eyeglasses/contact lenses, corrective/cosmetic dental treatment, certain practitioner-related treatment, non-medically necessary treatment, impotence/potency treatment, natural perils, and treatment other than Allopathy and AYUSH","note":null,"quote":"Investigation & Evaluation – Code – Excl04 ... Rest Cure, rehabilitation and respite care – code – Excl05 ... Obesity/Weight Control: Code – Excl06 ... Change-of-Gender treatments: Expenses related to any treatment, including surgical management, to change characteristics of the body to those of the opposite sex. Code – Excl07. ... Cosmetic or plastic Surgery: Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an Accident, Burn(s) or Cancer ... Code – Excl08. ... Hazardous or Adventure sports: Expenses related to any treatment, necessitated due to participation as a professional in hazardous or adventure sports ... Code – Excl09 ... Breach of law: Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent. Code – Excl 10. ... Excluded Providers: Code-Excl11: Expenses incurred towards treatment in any hospital or by any Medical Practitioner or any other provider specifically excluded by the Insurer ... Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. Excl12. ... Treatments received in health hydros, nature cure clinics, spas or similar establishments or private beds registered as a nursing home attached to such establishments ... Code-Excl13. ... Dietary supplements and substances that can be purchased without prescription, including but not limited to vitamins, minerals and organic substances unless prescribed by a medical practitioner ... Code – Excl14. ... Refractive Error: Expenses related to the treatment for correction of eye sight due to refractive error less than 7.5 dioptres.Code – Excl15. ... Unproven Treatments: Expenses related to any unproven treatment, services and supplies for or in connection with any treatment. ... Code – Excl16. ... Sterility and Infertility: Code – Excl17: Expenses related to Sterility and infertility. ... Maternity: Code – Excl18 ... War or any act of war, invasion, acts of foreign enemies, hostilities whether war be declared or not, civil war, revolution, insurrection, mutiny, martial law. ... Any Insured Person committing or attempting to commit a breach of law with criminal intent\nor intentional self-injury or attempted suicide whether sane or insane. ... The use, misuse or abuse of alcohol, Tobacco and related products, banned substances or\nnarcotic drugs (whether prescribed or not). ... All hospitalisation caused by ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. ... Circumcisions (unless necessitated by illness or injury and forming part of treatment). ... Vaccination or inoculation unless forming a part of post-animal bite treatment. ... Sexually transmitted disease or illness.(other than HIV) ... Durable medical equipment (including but not limited to wheelchairs, crutches, artificial limbs and the like) ... Any external congenital diseases, defects or anomalies ... Any expenses incurred towards hearing aids, eyeglasses or contact lenses. ... Expenses incurred for any dental treatment or surgery of a corrective, cosmetic or aesthetic nature unless it requires hospitalisation and is carried out under general anesthesia and is necessitated by Illness or Accidental Bodily Injury. ... Treatment rendered by a Medical Practitioner which is outside his discipline or the discipline for which he is licensed ... Any treatment or part of a treatment that is not of a reasonable charge, not medically necessary, drugs or treatments which are not supported by a prescription. ... Claims arising out of the treatment / operation undertaken to cure impotence or to improve\npotency. ... Treatment as a result of natural Perils like avalanche, earthquake, volcanic eruptions.\n31. *Treatment other than Allopathy and AYUSH","sources":[{"clause":"Excl04","heading":"Investigation & Evaluation – Code – Excl04","page":9,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4540#c-excl04"},{"clause":"Excl05","heading":"Rest Cure, rehabilitation and respite care – code – Excl05","page":9,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4540#c-excl05"},{"clause":"Excl06","heading":"Obesity/Weight Control: Code – Excl06: Expenses related to the surgical treatment of","page":9,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4540#c-excl06"},{"clause":"4","heading":"Change-of-Gender treatments","page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4556#c-4"},{"clause":"5","heading":"Cosmetic or plastic Surgery","page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4556#c-5"},{"clause":"6","heading":"Hazardous or Adventure sports","page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4556#c-6"},{"clause":"7","heading":"Breach of law","page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4556#c-7"},{"clause":"8","heading":"Excluded Providers","page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4556#c-8"},{"clause":"9","heading":null,"page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4556#c-9"},{"clause":"10","heading":null,"page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4556#c-10"},{"clause":"11","heading":null,"page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4556#c-11"},{"clause":"12","heading":"Refractive Error","page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4556#c-12"},{"clause":"13","heading":"Unproven Treatments","page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4556#c-13"},{"clause":"14","heading":"Sterility and Infertility","page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4556#c-14"},{"clause":"15","heading":"Maternity: Code – Excl18","page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4556#c-15"},{"clause":"16","heading":null,"page":11,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4540#c-16"},{"clause":"17","heading":"Any Insured Person committing or attempting to commit a breach of law with criminal intent","page":11,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4540#c-17"},{"clause":"18","heading":"The use, misuse or abuse of alcohol, Tobacco and related products, banned substances or","page":11,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4540#c-18"},{"clause":"19","heading":null,"page":11,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4540#c-19"},{"clause":"20","heading":null,"page":11,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4540#c-20"},{"clause":"21","heading":null,"page":11,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4540#c-21"},{"clause":"22","heading":"Sexually transmitted disease or illness.(other than HIV)","page":11,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4540#c-22"},{"clause":"23","heading":null,"page":11,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4540#c-23"},{"clause":"24","heading":"Any external congenital diseases, defects or anomalies","page":11,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4540#c-24"},{"clause":"25","heading":null,"page":11,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4540#c-25"},{"clause":"26","heading":null,"page":11,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4540#c-26"},{"clause":"27","heading":null,"page":11,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4540#c-27"},{"clause":"28","heading":null,"page":11,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4540#c-28"},{"clause":"29","heading":"Claims arising out of the treatment / operation undertaken to cure impotence or to improve","page":11,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4540#c-29"},{"clause":"30","heading":null,"page":12,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4540#c-30"}],"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 may cancel by giving 7 days written notice; the Company refunds premium for the unexpired policy period as per the short period scale. No refund is made if any claim has been admitted or lodged or any benefit has been availed.","display":"7 days written notice; refund for unexpired policy period as per short period scale, but no refund if a claim is admitted/lodged or benefit availed","note":null,"quote":"The policyholder may cancel this policy by giving 7 days written notice and in such an event, the Company shall refund premium for the unexpired policy period as detailed below: ... Notwithstanding anything contained herein or otherwise, no refunds of premium shall be made in respect of Cancellation where, any claim has been admitted or has been lodged or any benefit has been availed by the insured person under the policy.","sources":[{"clause":"30(d)(i)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4540#c-30-d-i"}],"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 insurer’s liability is to make payment within India and in Indian Rupees only for medical services or procedures rendered in or undertaken within India.","display":"India only; payment in Indian Rupees","note":null,"quote":"The Insurer’s liability to make any payment towards illness or accidental injury shall be to make payment within India and in Indian Rupees only for medical services or procedures rendered in or undertaken within India.","sources":[{"clause":null,"heading":"22. Territorial Limits","page":17,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4540#c-22-territorial-limits"}],"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":"not-applicable","value":null,"display":null,"note":"The CIS states that free look cancellation is not applicable for this product.","quote":null,"sources":[],"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":"15 days for monthly mode; 30 days in all other cases","note":"For renewal after expiry, the policy also says renewal is allowed not later than 30 days grace period post expiry.","quote":"The grace Policy Wordings\nperiod 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":null,"heading":"21.Grace period","page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4540#c-21-grace-period"}],"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":"Persons aged between 18 years and 70 years completed age at entry can be insured, if they have availed any type of loan from Banks/Financial Institutions or such aggregators.","display":"18 years to 70 years completed age","note":null,"quote":"This Insurance is available to person(s) aged between 18 years and 70 years (Completed age) at the time of entry into the policy and who has availed any type of loan from Banks/Financial Institutions or such aggregators.","sources":[{"clause":"1","heading":"PERSONS WHO CAN BE INSURED","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4540#c-1"}],"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 different grace periods for monthly mode and other cases, but do not list the premium payment modes available.","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":["Optional Cover 1 - Convalescence Benefit","Optional Cover 2 – Accompaniment Benefit for Insured person age above 60 years","Optional Cover 3 – Child Birth Benefit","Endorsement No.1 - All Day Care Procedures Benefit"],"display":"Convalescence Benefit, Accompaniment Benefit for insured person above 60 years, Child Birth Benefit, and All Day Care Procedures Benefit endorsement","note":null,"quote":"OPTIONAL COVERS (ON PAYEMNT OF ADDITIONAL PREMIUM) ... Optional Cover 1 - Convalescence Benefit ... Optional Cover 2 – Accompaniment Benefit for Insured person age above 60 years ... Optional Cover 3 – Child Birth Benefit ... Endorsement No.1 - All Day Care Procedures Benefit:\nIn consideration of payment of additional premium","sources":[{"clause":"5","heading":"OPTIONAL COVERS (ON PAYEMNT OF ADDITIONAL PREMIUM)","page":2,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4540#c-5"},{"clause":"5(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4540#c-5-a"},{"clause":"5(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4540#c-5-b"},{"clause":"5(c)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4540#c-5-c"},{"clause":"6","heading":"Endorsement applicable to this Policy","page":3,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4540#c-6"}],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"quote-verified","value":"Claims occurring during the grace period are not payable under the renewed policy.","display":"Claims during the grace period are not payable","note":null,"quote":"The claims if any occurring during the grace period shall not be payable under the renewed policy","sources":[{"clause":"Row 21(iv)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4540#c-row-21-iv"}],"law":[]},{"key":"daily_amount","label":"Daily amount","section":"Cover","meaning":"The fixed amount paid per day in hospital.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"max_days","label":"Maximum days","section":"Cover","meaning":"Most days paid per admission and per year.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"min_stay","label":"Minimum stay","section":"Cover","meaning":"How long you must be in hospital before daily cash starts.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Chola Credit Link Daily Benefit Policy CHOHLGP24168V012324-Policywording.pdf","pages":26,"fetched_at":"2026-10-17 19:31:28+00","source_url":"https://www.cholainsurance.com/documents/20121/o/Chola%20Credit%20Link%20Daily%20Benefit%20Policy%20CHOHLGP24168V012324-Policywording.pdf/a9da4d15-bace-6e37-94fa-ee1899e41199","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4540"},{"kind":"prospectus","label":"Chola Credit Link Daily Benefit Policy-CHOHLGP24168V012324-Prospectus.pdf","pages":16,"fetched_at":"2026-10-17 19:32:00+00","source_url":"https://www.cholainsurance.com/documents/20121/o/Chola%20Credit%20Link%20Daily%20Benefit%20Policy-CHOHLGP24168V012324-Prospectus.pdf/ea59db0e-9168-2e4f-3529-572f5d236099","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4556"},{"kind":"cis","label":"Chola Credit Link Daily Benefit Policy CHOHLGP24168V012324-CIS.pdf","pages":2,"fetched_at":"2026-10-17 19:30:56+00","source_url":"https://www.cholainsurance.com/documents/20121/o/Chola%20Credit%20Link%20Daily%20Benefit%20Policy%20CHOHLGP24168V012324-CIS.pdf/b7db22a4-72eb-c198-8dae-429632413f9c","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324/document/4524"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Cholamandalam MS General Insurance official website","url":"https://www.cholainsurance.com","note":"Website as listed by IRDAI. Not checked: the site returned HTTP 502 to our crawler on 2026-10-19."},{"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":"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":"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":"Chola Credit Link Daily Benefit Policy (UIN CHOHLGP24168V012324), IndiaInsurances, https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-credit-link-daily-benefit-policy-chohlgp24168v012324"}