{"uin":"CHOHLIP23216V012223","name":"Divyang Bima Chola MS","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223","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":"health-indemnity","category_name":"Health insurance (hospitalisation)","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Divyang Bima, Chola MS is an individual health indemnity policy for persons with disability, mental illness and persons with HIV/AIDS. It offers Rs. 4 lacs or Rs. 5 lacs sum insured for a 1 Year policy with a 20% co-pay unless the waiver is opted.","analysis":{"state":"machine","analysed_at":"2026-10-19 19:02:59.409457+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":"quote-verified","value":["DIVYANG BIMA, CHOLA MS"],"display":"DIVYANG BIMA, CHOLA MS","note":"No other named plan variants are stated.","quote":"Name | DIVYANG BIMA, CHOLA MS","sources":[{"clause":null,"heading":"10. TABLE OF BENEFITS","page":27,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-10-table-of-benefits"}],"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":"1 Year","display":"1 Year","note":null,"quote":"Policy Period | 1 Year","sources":[{"clause":null,"heading":"10. TABLE OF BENEFITS","page":27,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-10-table-of-benefits"}],"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 cashless planned admission, pre-authorisation must be obtained 72 hours before admission; for cashless emergency admission, within 48 hours. For reimbursement, claim intimation must be given within 48 hours for planned hospitalisation and within 24 hours of an emergency hospitalisation.","display":"Cashless: 72 hours before planned admission or within 48 hours of emergency admission; reimbursement: within 48 hours for planned hospitalisation or within 24 hours of emergency hospitalisation","note":null,"quote":"In case of planned admission, pre-authorization has to be obtained 72 hours prior to the date of admission and within 48 hours of an emergency admission. ... Planned Hospitalization: Claim intimation has to be given to us on email or at the Toll free Number within 48 hours for planned hospitalization | Emergency Hospitalization: Claim intimation has to be given to us on email or at the Toll free Number within 24 hours of an emergency hospitalization","sources":[{"clause":null,"heading":"Escalation Matrix","page":23,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-escalation-matrix"}],"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","Photo Identity proof of the patient","Medical Practitioner’s prescription advising admission","Original Bills with itemized break –up","Payment receipts","Discharge Summary including complete medical history of the patient along with other details","Investigation /Diagnostic test reports etc. supported by the prescription from attending medical practitioner","OT notes or Surgeon’s certificate giving details of the operation performed (for surgical cases)","Sticker/Invoice of the Implants, wherever applicable","MLR (Medico Legal Report) copy if carried out and FIR (First Information report) if registered, where ever applicable","NEFT details (to enable direct credit of claim amount in bank account) and cancelled cheque","KYC (Identity proof with Address) of the proposer, where claim liability is above Rs 1 Lakh as per AML guidelines","Legal heir/succession certificate, wherever applicable","Any other relevant document required by Company/TPA for assessment of the claim"],"display":"Claim form, patient photo ID, admission prescription, original itemised bills, receipts, discharge summary, investigation reports, OT notes for surgery, implant invoice if applicable, MLR/FIR if applicable, NEFT and cancelled cheque, KYC above Rs 1 Lakh, legal heir certificate if applicable, and any other relevant document","note":"For lump-sum payment for HIV/AIDS, separate documents are listed: identity proof, claim form, hospital summary/discharge card/treatment advice/medical reference, medical reports/records, investigation reports, medical practitioner’s certificate and any other relevant document.","quote":"The reimbursement claim is to be supported with the following documents and submitted within the prescribed time limit:\ni. Duly Completed claim form\nii. Photo Identity proof of the patient\niii. Medical Practitioner’s prescription advising admission\niv. Original Bills with itemized break –up\nv. Payment receipts\nvi. Discharge Summary including complete medical history of the patient along with other details\nvii. Investigation /Diagnostic test reports etc. supported by the prescription from attending medical practitioner ... viii) OT notes or Surgeon’s certificate giving details of the operation performed (for surgical cases) ... ix) Sticker/Invoice of the Implants, wherever applicable ... x) MLR (Medico Legal Report) copy if carried out and FIR (First Information report) if registered, where ever applicable ... xi) NEFT details (to enable direct credit of claim amount in bank account) and cancelled cheque ... xii) KYC (Identity proof with Address) of the proposer, where claim liability is above Rs 1 Lakh as per AML guidelines ... xiii) Legal heir/succession certificate, wherever applicable ... xiv) Any other relevant document required by Company/TPA for assessment of the claim","sources":[{"clause":null,"heading":"Escalation Matrix","page":23,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-escalation-matrix"},{"clause":"33(b)(viii)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-33-b-viii"},{"clause":"33(b)(ix)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-33-b-ix"},{"clause":"33(b)(x)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-33-b-x"},{"clause":"33(b)(xi)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-33-b-xi"},{"clause":"33(b)(xii)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-33-b-xii"},{"clause":"33(b)(xiii)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-33-b-xiii"},{"clause":"33(b)(xiv)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-33-b-xiv"}],"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. If payment is delayed, interest is payable from the date of receipt of the last necessary document to the date of payment at 2% above the bank rate.","display":"15 days from receipt of last necessary document; delay interest at 2% above bank rate","note":null,"quote":"The Company shall settle or reject a claim as the case may be, 15 days from the date of receipt of last necessary document. ... In the 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":"33(i)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-33-i"},{"clause":"33(ii)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-33-ii"}],"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 Diseases ( Code –Excl01)","First 30 Days Waiting Period ( Code –Excl03)","Specific disease/ procedure Waiting Period ( Code –Excl02)","Investigation & Evaluation – (Code – Excl04)","Rest Cure, rehabilitation and respite care – (Code – Excl05)","Change-of-Gender treatments: (Code – Excl07)","Cosmetic or plastic Surgery: (Code – Excl08)","Hazardous or Adventure sports: (Code – Excl09)","Breach of law: (Code – Excl10)","Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof.(Code – Excl12)","Unproven Treatments (Code – Excl16)","Maternity: (Code – Excl18)","Any medical treatment taken outside India.","Outpatient diagnostic, medical and surgical procedures or treatments, non-prescribed drugs and medical supplies, hormone replacement therapy and expenses related to Domiciliary hospitalization shall not be covered."],"display":"PED, first 30 days, specific disease/procedure waiting period, investigation and evaluation, rest cure/rehabilitation/respite care, change of gender, cosmetic or plastic surgery, hazardous/adventure sports, breach of law, alcoholism/drug/substance abuse, unproven treatments, maternity, treatment outside India, and outpatient/domiciliary exclusions","note":null,"quote":"Pre –Existing Diseases ( Code –Excl01) ... Excl03 First 30 Days Waiting Period ( Code –Excl03) ... Excl02 Specific disease/ procedure Waiting Period ( Code –Excl02) ... Excl04 Investigation & Evaluation – (Code – Excl04) ... Excl05 Rest Cure, rehabilitation and respite care – (Code – Excl05) ... Excl07 Change-of-Gender treatments: (Code – Excl07) ... Excl08 Cosmetic or plastic Surgery: (Code – Excl08) ... Excl09 Hazardous or Adventure sports: (Code – Excl09) ... Excl10 Breach of law: (Code – Excl10) ... Treatment for Alcoholism, drug or substance abuse or any addictive condition and\nconsequences thereof.(Code – Excl12) ... 13 Unproven Treatments (Code – Excl16) ... 15 Maternity: (Code – Excl18) ... Any medical treatment taken outside India. ... Outpatient diagnostic, medical and surgical procedures or treatments, non-prescribed drugs and medical supplies, hormone replacement therapy and expenses related to Domiciliary hospitalization shall not be covered.","sources":[{"clause":"Excl01","heading":"Pre –Existing Diseases ( Code –Excl01)","page":15,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-excl01"},{"clause":"Excl03","heading":"First 30 Days Waiting Period ( Code –Excl03)","page":15,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-excl03"},{"clause":"Excl02","heading":"Specific disease/ procedure Waiting Period ( Code –Excl02)","page":15,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-excl02"},{"clause":"Excl04","heading":"Investigation & Evaluation – (Code – Excl04)","page":17,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-excl04"},{"clause":"Excl05","heading":"Rest Cure, rehabilitation and respite care – (Code – Excl05)","page":17,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-excl05"},{"clause":"Excl07","heading":"Change-of-Gender treatments: (Code – Excl07)","page":17,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-excl07"},{"clause":"Excl08","heading":"Cosmetic or plastic Surgery: (Code – Excl08)","page":17,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-excl08"},{"clause":"Excl09","heading":"Hazardous or Adventure sports: (Code – Excl09)","page":17,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-excl09"},{"clause":"Excl10","heading":"Breach of law: (Code – Excl10)","page":17,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-excl10"},{"clause":"9","heading":"Treatment for Alcoholism, drug or substance abuse or any addictive condition and","page":18,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-9"},{"clause":"13","heading":"Unproven Treatments (Code – Excl16)","page":18,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-13"},{"clause":"15","heading":"Maternity: (Code – Excl18)","page":18,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-15"},{"clause":"16","heading":null,"page":18,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-16"},{"clause":"26","heading":"Outpatient diagnostic, medical and surgical procedures or treatments, non-prescribed drugs","page":19,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-26"}],"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 write to customercare@cholams.murugappa.com. If dissatisfied or there is no response, escalate to the Nodal Officer, then to the Chief Grievance Officer before approaching the Insurance Ombudsman.","display":"customercare@cholams.murugappa.com, then Nodal Officer, then Chief Grievance Officer","note":null,"quote":"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 (Quoting the previous Service request number)\n• 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 (Quoting the previous Service request number)\n• If after having followed the above steps and your issue still remain unresolved, you may approach the Insurance Ombudsman for Redressal.","sources":[{"clause":null,"heading":"Procedure of Grievance Redressal","page":23,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-procedure-of-grievance-redressal"},{"clause":null,"heading":"Escalation Matrix","page":23,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#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":"quote-verified","value":"Rs. 4 lacs and Rs. 5 lacs","display":"Rs. 4 lacs and Rs. 5 lacs","note":null,"quote":"Sum insured available (in INR) | 4 lacs and 5 lacs","sources":[{"clause":null,"heading":"10. TABLE OF BENEFITS","page":27,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-10-table-of-benefits"}],"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":"This exclusion does not apply if the insured person has continuous coverage for more than twelve months and applies afresh to enhanced sum insured.","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":"Excl03","heading":"First 30 Days Waiting Period ( Code –Excl03)","page":15,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-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; 24 months for pre-existing Disability","note":"For pre-existing Disability the waiting period is 24 months. The quoted clause states the 36 months waiting period applies to pre-existing conditions other than HIV/AIDS and Disability.","quote":"Expenses related to the treatment of a Pre-Existing Disease (PED) and its direct complications shall be excluded until the expiry of 24 months for Pre-existing Disability/ 36 months for all pre-existing conditions other than HIV/AIDS and Disability (as mentioned in Policy Schedule) of continuous coverage after the date of inception of the first policy with insurer.","sources":[{"clause":"Excl01(a)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-excl01-a"}],"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":24},"display":"24 months","note":"This exclusion is not applicable for claims arising due to an accident.","quote":"Expenses related to the treatment of the following listed Conditions, surgeries/ treatments shall be excluded until the expiry of 24 months (as mentioned in Policy Schedule) of continuous coverage after the date of inception of the first Policy with the Insurer.","sources":[{"clause":"Excl02","heading":"Specific disease/ procedure Waiting Period ( Code –Excl02)","page":15,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#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":["Benign ENT disorders","Tonsillectomy","Andenoidectomy","Mastoidectomy","Tympanoplasty","Hysterectomy","All internal and external benign tumours, cysts, polyps of any kind, including benign breast lumps","Benign prostate hypertrophy","Cataract and age related eye ailments","Gastric/Duodenal Ulcer","Gout and Rheumatism","Hernia of all types","Hydrocele","Non-infective Arthritis","Piles, Fissures and Fistula in anus","Pilonidal sinus, Sinusitis and related disorders","Prolapse inter Vertebral Disc and Spinal Diseases unless arising from accident","Calculi in urinary system, Gall Bladder and Bile duct, excluding malignancy","Varicose Veins and Varicose ulcers","Internal Congenital Anomalies (except for New born)"],"display":"Benign ENT disorders, tonsillectomy, adenoidectomy, mastoidectomy, tympanoplasty, hysterectomy, benign tumours/cysts/polyps, benign prostate hypertrophy, cataract and age-related eye ailments, gastric/duodenal ulcer, gout and rheumatism, hernia, hydrocele, non-infective arthritis, piles/fissures/fistula, pilonidal sinus/sinusitis, prolapse inter vertebral disc and spinal diseases, urinary/gall bladder/bile duct calculi, varicose veins/ulcers, and internal congenital anomalies","note":null,"quote":"1. Benign ENT disorders\n2. Tonsillectomy\n3. Andenoidectomy\n4. Mastoidectomy\n5. Tympanoplasty\n6. Hysterectomy\n7. All internal and external benign tumours, cysts, polyps of any kind, including benign breast lumps\n8. Benign prostate hypertrophy\n9. Cataract and age related eye ailments\n10. Gastric/Duodenal Ulcer\n11. Gout and Rheumatism\n12. Hernia of all types\n13. Hydrocele\n14. Non-infective Arthritis\n15. Piles, Fissures and Fistula in anus\n16. Pilonidal sinus, Sinusitis and related disorders\n17. Prolapse inter Vertebral Disc and Spinal Diseases unless arising from accident\n18. Calculi in urinary system, Gall Bladder and Bile duct, excluding malignancy\n19. Varicose Veins and Varicose ulcers\n20. Internal Congenital Anomalies (except for New born)","sources":[{"clause":null,"heading":"24 Months Waiting period","page":16,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-24-months-waiting-period"}],"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":"The moratorium applies to the sums insured of the first policy; 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":"33(b)(vii)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-33-b-vii"}],"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 person can port the policy to the same product of other insurers as per portability guidelines, with accrued continuity benefits in waiting periods for continuous coverage without lapses.","display":"Port to same product of other insurers with waiting-period credit","note":null,"quote":"The Insured Person will have the option to port the Policy to same product of other insurers as per extant Guidelines related to portability, If such person is presently covered and has been continuously covered without any lapses under this health insurance plan with an Indian General/Health insurer as per Guidelines on portability, the proposed Insured Person will get all the accrued continuity benefits in waiting periods as under:\ni. The waiting periods specified in Section 5 shall be reduced by the number of continuous preceding years of coverage of the Insured Person under the previous health insurance Policy.\nii. Portability benefit will be offered to the extent of sum of previous sum insured and accrued bonus (as part of the sum insured), portability benefit shall not apply to any other additional increased Sum Insured.","sources":[{"clause":"33(b)(iii)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-33-b-iii"}],"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":null,"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":null,"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":["Excl04 Investigation & Evaluation","Excl05 Rest Cure, rehabilitation and respite care","Excl06 Obesity/Weight Control","Excl07 Change-of-Gender treatments","Excl08 Cosmetic or plastic Surgery","Excl09 Hazardous or Adventure sports","Excl10 Breach of law","Excl11 Excluded Providers","Excl12 Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof","Excl13 Treatments received in health hydros, nature cure clinics, spas or similar establishments","Excl14 Dietary supplements and substances that can be purchased without prescription","Excl15 Refractive Error","Excl16 Unproven Treatments","Excl17 Sterility and Infertility","Excl18 Maternity","Any medical treatment taken outside India","Hospitalization for donation of any body organs by an Insured","Nuclear damage","War, invasion, acts of foreign enemies, hostilities","Injury or Disease caused by or contributed to by nuclear weapons/materials","Circumcision unless necessary for treatment of a disease, illness or injury not excluded hereunder, or as may be necessitated due to an accident","Treatment with alternative medicines or Treatment, experimental or any other treatment such as acupuncture, acupressure, magnetic, osteopath, naturopathy, chiropractic, reflexology and aromatherapy","Suicide, lntentional self-injury","Vaccination or inoculation except as post bite treatment for animal bite","Convalescence, general debility, “Run-down” condition, rest cure, Congenital external illness/disease/defect","Outpatient diagnostic, medical and surgical procedures or treatments, non-prescribed drugs and medical supplies, hormone replacement therapy and expenses related to Domiciliary hospitalization","Venereal/ Sexually Transmitted disease","Stem cell storage","Any kind of service charge, surcharge levied by the hospital","Personal comfort and convenience items or services","Non-Payable items","Any medical procedure or treatment, which is not medically necessary or not performed by a Medical Practitioner","Treatment other than Allopathy and *AYUSH","cost for any Anti-Retroviral Treatment","Any reconstructive / Cosmetic / prosthesis / external or internal device implanted/ used at home for the purpose of treatment of existing disability or used for activities of daily living"],"display":"Standard permanent exclusions Excl04 to Excl18, plus treatment outside India, organ donation, nuclear/war exclusions, circumcision, alternative or experimental treatments, suicide or intentional self-injury, vaccination except post-bite treatment, congenital external illness/disease/defect, outpatient and domiciliary expenses, venereal/sexually transmitted disease, stem cell storage, hospital service charges, personal comfort items, non-payable items, not medically necessary treatment, treatment other than Allopathy and AYUSH, anti-retroviral treatment cost, and reconstructive/cosmetic/prosthesis/devices for existing disability","note":null,"quote":"Excl04 Investigation & Evaluation – (Code – Excl04) ... Excl05 Rest Cure, rehabilitation and respite care – (Code – Excl05) ... 3. Obesity/Weight Control: Code – (Excl06): ... Excl07 Change-of-Gender treatments: (Code – Excl07) ... Excl08 Cosmetic or plastic Surgery: (Code – Excl08) ... Excl09 Hazardous or Adventure sports: (Code – Excl09) ... Excl10 Breach of law: (Code – Excl10) ... Excl11 Excluded Providers: (Code – Excl11) ... Treatment for Alcoholism, drug or substance abuse or any addictive condition and\nconsequences thereof.(Code – Excl12) ... Treatments received in health hydros, nature cure clinics, spas or similar establishments\nor private beds registered as a nursing home attached to such establishments or where admission is arranged wholly or partly for domestic reasons.(Code – Excl13) ... Dietary supplements and substances that can be purchased without prescription, including\nbut not limited to vitamins, minerals and organic substances unless prescribed by a medical practitioner as part of hospitalisation claim or day care procedure. (Code – Excl14) ... Refractive Error: (Code – Excl15) ... Unproven Treatments (Code – Excl16) ... Sterility and Infertility: (Code – Excl17) ... Maternity: (Code – Excl18) ... Any medical treatment taken outside India. ... Hospitalization for donation of any body organs by an Insured including complications\narising from the donation of organs. ... Nuclear damage caused by, contributed to, by or arising from ionising radiation or\ncontamination by radioactivity from: ... War, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, commotion, unrest, rebellion, revolution, insurrection, military or usurped power or confiscation or nationalisation or requisition of or damage by or under the order of any government or public local authority. ... Injury or Disease caused by or contributed to by nuclear weapons/materials. ... Circumcision unless necessary for treatment of a disease, illness or injury not excluded\nhereunder, or as may be necessitated due to an accident. ... Treatment with alternative medicines or Treatment, experimental or any other treatment such as acupuncture, acupressure, magnetic, osteopath, naturopathy, chiropractic, reflexology and aromatherapy. ... Suicide, lntentional self-injury (including but not limited to the use or misuse of any\nintoxicating drugs or alcohol) and any violation of law or participation in an event/activity that is against law with a criminal intent. ... Vaccination or inoculation except as post bite treatment for animal bite. ... Convalescence, general debility, “Run-down” condition, rest cure, Congenital external\nillness/disease/defect. ... Outpatient diagnostic, medical and surgical procedures or treatments, non-prescribed drugs\nand medical supplies, hormone replacement therapy and expenses related to Domiciliary hospitalization shall not be covered. ... Venereal/ Sexually Transmitted disease ... Stem cell storage. ... Any kind of service charge, surcharge levied by the hospital. ... Personal comfort and convenience items or services such as television, telephone, barber\nor guest service and similar incidental services and supplies. ... Non-Payable items: The expenses that are not covered in this Policy are placed under List-I of Annexure-II ... Any medical procedure or treatment, which is not medically necessary or not performed by\na Medical Practitioner. ... Treatment other than Allopathy and *AYUSH ... This cover will exclude cost for any Anti-Retroviral Treatment. ... Any reconstructive / Cosmetic / prosthesis / external or internal device implanted/ used at home for the purpose of treatment of existing disability or used for activities of daily living are/is excluded from the policy","sources":[{"clause":"Excl04","heading":"Investigation & Evaluation – (Code – Excl04)","page":17,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-excl04"},{"clause":"Excl05","heading":"Rest Cure, rehabilitation and respite care – (Code – Excl05)","page":17,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-excl05"},{"clause":"Excl05(a)(ii)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-excl05-a-ii"},{"clause":"Excl07","heading":"Change-of-Gender treatments: (Code – Excl07)","page":17,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-excl07"},{"clause":"Excl08","heading":"Cosmetic or plastic Surgery: (Code – Excl08)","page":17,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-excl08"},{"clause":"Excl09","heading":"Hazardous or Adventure sports: (Code – Excl09)","page":17,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-excl09"},{"clause":"Excl10","heading":"Breach of law: (Code – Excl10)","page":17,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-excl10"},{"clause":"Excl11","heading":"Excluded Providers: (Code – Excl11)","page":18,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-excl11"},{"clause":"9","heading":"Treatment for Alcoholism, drug or substance abuse or any addictive condition and","page":18,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-9"},{"clause":"10","heading":"Treatments received in health hydros, nature cure clinics, spas or similar establishments","page":18,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-10"},{"clause":"11","heading":"Dietary supplements and substances that can be purchased without prescription, including","page":18,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-11"},{"clause":"12","heading":"Refractive Error: (Code – Excl15)","page":18,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-12"},{"clause":"13","heading":"Unproven Treatments (Code – Excl16)","page":18,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-13"},{"clause":"14","heading":"Sterility and Infertility: (Code – Excl17)","page":18,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-14"},{"clause":"15","heading":"Maternity: (Code – Excl18)","page":18,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-15"},{"clause":"16","heading":null,"page":18,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-16"},{"clause":"17","heading":"Hospitalization for donation of any body organs by an Insured including complications","page":18,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-17"},{"clause":"18","heading":"Nuclear damage caused by, contributed to, by or arising from ionising radiation or","page":18,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-18"},{"clause":"19","heading":null,"page":19,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-19"},{"clause":"20","heading":null,"page":19,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-20"},{"clause":"21","heading":"Circumcision unless necessary for treatment of a disease, illness or injury not excluded","page":19,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-21"},{"clause":"22","heading":null,"page":19,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-22"},{"clause":"23","heading":"Suicide, lntentional self-injury (including but not limited to the use or misuse of any","page":19,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-23"},{"clause":"24","heading":null,"page":19,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-24"},{"clause":"25","heading":"Convalescence, general debility, “Run-down” condition, rest cure, Congenital external","page":19,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-25"},{"clause":"26","heading":"Outpatient diagnostic, medical and surgical procedures or treatments, non-prescribed drugs","page":19,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-26"},{"clause":"27","heading":"Venereal/ Sexually Transmitted disease","page":19,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-27"},{"clause":"28","heading":null,"page":19,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-28"},{"clause":"29","heading":null,"page":19,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-29"},{"clause":"30","heading":"Personal comfort and convenience items or services such as television, telephone, barber","page":19,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-30"},{"clause":"31","heading":"Non-Payable items","page":19,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-31"},{"clause":"32","heading":"Any medical procedure or treatment, which is not medically necessary or not performed by","page":19,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-32"},{"clause":"33","heading":"Treatment other than Allopathy and *AYUSH","page":19,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-33"},{"clause":null,"heading":"Condition","page":17,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-condition"},{"clause":"6","heading":"SPECIFIC CONDITIONS APPLICABLE FOR PERSONS WITH DISABILITY","page":16,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-6"}],"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 at any time by giving 7 days written notice. For terms up to one year, the Company refunds proportionate premium for the unexpired period if no claim was made; no refund is made where any claim has been admitted or lodged or any benefit availed.","display":"Proportionate refund of unexpired premium on 7 days written notice if no claim; no refund if a claim is admitted or lodged or any benefit availed","note":"For policies with term more than 1 year, refund is for the unexpired policy period where risk coverage for those policy years has not commenced.","quote":"The policyholder may cancel this policy at any time during the term, by giving 7 days written notice in writing and in such an event, the Company shall ... refund proportionate premium for the unexpired policy period, if the term of policy upto one year and there is no claim(s) made during the policy period ... 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 You under this Policy.","sources":[{"clause":"33(d)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-33-d"},{"clause":"33(a)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-33-a-2"},{"clause":"33(b)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-33-b-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"The policy excludes any medical treatment taken outside India, so cover is India only.","display":"India only","note":null,"quote":"Any medical treatment taken outside India.","sources":[{"clause":"16","heading":null,"page":18,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-16"}],"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","note":"Free Look Period is not applicable on renewals or at the time of porting/migrating the policy.","quote":"Every policyholder of new individual health insurance policies, except for those policies with tenure of less than a year, shall be provided a free look period of 30 days beginning from the date of receipt of policy document, whether received electronically or otherwise, to review the terms and conditions of such policy and to return the same if not acceptable.","sources":[{"clause":"33(b)(vii)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-33-b-vii"}],"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 for monthly premium payment","note":"The table of benefits separately states: “For Yearly payment of mode, a fixed period of 30 days is to be allowed as Grace. Period and for all other modes of payment a fixed period of 15 days be allowed as grace period.” The instalment-premium clause states 15 days for Monthly and 30 days for Quarterly and Half-yearly.","quote":"The grace period for payment of the premium for all types of insurance policies shall be: fifteen days where premium payment mode is monthly and thirty days in all other cases.","sources":[{"clause":"3(d)(iv)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-3-d-iv"}],"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":"Adults can enter from 18 years to 65 years. Children can enter from Newborn to 17 years.","display":"Adults: 18 years to 65 years; Children: Newborn to 17 years","note":null,"quote":"Eligibility | Policy can be availed by availed on Individual basis. Age eligibility for adults: 18 years to 65 years Age eligibility for Children: Newborn to 17 years","sources":[{"clause":null,"heading":"10. TABLE OF BENEFITS","page":27,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-10-table-of-benefits"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["Annual","Half-Yearly","Quarterly","Monthly"],"display":"Annual, Half-Yearly, Quarterly and Monthly","note":null,"quote":"• Annual or\n• Half-Yearly or PROSPECTUS\n• Quarterly or\n• Monthly mode.","sources":[{"clause":"5","heading":"PREMIUM PAYMENT OPTIONS","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4800#c-5"}],"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":["Co-payment waiver"],"display":"Co-payment waiver for additional premium","note":null,"quote":"Each and every claim under the Policy shall be subject to a Co-payment of 20% applicable to claim amount admissible and payable as per the terms and conditions of the Policy. The amount payable shall be after deduction of the co-payment. This Co-payment can be waived off by paying an additional premium (optional)","sources":[{"clause":"33(g)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-33-g"}],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"quote-verified","value":"Coverage is not available during the renewal grace period. If premium is paid in instalments during the policy period, the policy remains in force during that grace period and claims arising during it are payable subject to policy terms and conditions.","display":"Renewal grace: coverage not available; instalment grace: claims payable subject to policy terms","note":null,"quote":"At the end of the Policy Period, the policy shall terminate and can be renewed within the Grace Period to maintain continuity of benefits without Break in Policy. Coverage is not available during the grace period. ... If the insured person has opted for Payment of Premium on an installments basis i.e. Half Yearly, Quarterly or Monthly, as mentioned in Your Policy Schedule/Certificate of Insurance, the following Conditions shall apply (notwithstanding any terms contrary elsewhere in the Policy)\ni. Grace period of 15 days for Monthly and 30 days for Quarterly and Half-yearly mode would be given to pay the instalment premium due for the policy.\nii. The policy will be in force during such grace period and any claim arising during the grace period will be payable subject to policy terms and conditions.","sources":[{"clause":"33(b)(iii)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-33-b-iii"},{"clause":"33(b)(iv)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851#c-33-b-iv"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for the hospital room, or the room category allowed. If you take a costlier room, other bills can be cut in proportion.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"room_category","label":"Room category allowed","section":"Limits and co-pay","meaning":"Shared room, single private room or any room, by plan, when the limit is a room type rather than a rupee amount.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"icu_limit","label":"ICU limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for intensive care.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"proportionate_deduction","label":"Proportionate deduction","section":"Limits and co-pay","meaning":"If you choose a room above your limit, whether the insurer reduces associated charges (doctor fees, tests, procedures) by the same proportion.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"copay","label":"Co-payment","section":"Limits and co-pay","meaning":"The share of every admissible claim you pay yourself, and when it applies (age, zone, choice of hospital).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"An amount of each claim or each year that you bear before the policy pays.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"disease_sublimits","label":"Disease or procedure sub-limits","section":"Limits and co-pay","meaning":"Caps on what is paid for named treatments (cataract, knee replacement...), even if the sum insured is higher.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"pre_hospitalisation","label":"Pre-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days before admission that are paid if related to the hospitalisation.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"post_hospitalisation","label":"Post-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days after discharge that are paid if related to the hospitalisation.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"day_care","label":"Day-care treatments","section":"Cover","meaning":"Treatments needing less than 24 hours in hospital (chemotherapy, dialysis, cataract) and whether all or only listed ones are covered.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"domiciliary","label":"Treatment at home","section":"Cover","meaning":"Whether treatment at home is covered when hospital admission is not possible or a doctor advises it.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"ayush","label":"AYUSH treatment","section":"Cover","meaning":"Ayurveda, Yoga, Unani, Siddha and Homeopathy treatment in a recognised hospital, and any limit.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 1","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 2","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 1","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II A.I(1)","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"modern_treatments","label":"Modern treatments","section":"Cover","meaning":"Robotic surgery, immunotherapy, oral chemotherapy, stem cell therapy and the like, and any cap on them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 2","url":"https://indiainsurances.com/law/irdai-health-mc-2024"}]},{"key":"organ_donor","label":"Organ donor expenses","section":"Cover","meaning":"Whether the donor's hospital costs for an organ transplant are paid.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"ambulance","label":"Ambulance cover","section":"Cover","meaning":"Road (and air) ambulance cover and its limit.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"restoration","label":"Restoration of sum insured","section":"Cover","meaning":"Whether the sum insured is refilled after it is used up in a year, how much, how often, and whether it works for the same illness.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"no_claim_bonus","label":"No-claim or cumulative bonus","section":"Cover","meaning":"How much the cover grows each year, the maximum, whether it depends on not claiming, and what happens after a claim.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"consumables","label":"Consumables and non-medical items","section":"Cover","meaning":"Gloves, PPE, syringes and other items hospitals bill that standard policies exclude; whether this policy pays them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Whether childbirth costs are covered, the limit and the waiting period.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"newborn","label":"Newborn baby cover","section":"Cover","meaning":"Whether a newborn is covered from birth and for what.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"mental_illness","label":"Mental illness","section":"Cover","meaning":"Cover for in-patient treatment of mental illness.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 3","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch III I","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(4)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 2(1)(s)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(1)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"}]},{"key":"health_checkup","label":"Health check-up","section":"Cover","meaning":"Free preventive check-ups and how often.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"opd","label":"Out-patient (OPD) cover","section":"Cover","meaning":"Doctor consultations, tests and medicines without admission, and the limit.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"zone_pricing","label":"Zone or city-based premium","section":"Premium","meaning":"Whether premium or co-pay depends on the city you are treated in.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"PW - Divyang Bima, Chola MS.pdf","pages":55,"fetched_at":"2026-10-17 19:39:11+00","source_url":"https://www.cholainsurance.com/documents/20121/o/PW%20-%20Divyang%20Bima,%20Chola%20MS.pdf/ce531910-5013-3607-e0ab-997c661b69c6","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4851"},{"kind":"prospectus","label":"Prospectus-Divyang Bima, Chola MS.pdf","pages":16,"fetched_at":"2026-10-17 19:38:02+00","source_url":"https://www.cholainsurance.com/documents/20121/o/Prospectus-Divyang%20Bima,%20Chola%20MS.pdf/9ed59ad9-ca93-6bab-9fea-80070bc9a3e8","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223/document/4800"}],"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":"Divyang Bima Chola MS (UIN CHOHLIP23216V012223), IndiaInsurances, https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/divyang-bima-chola-ms-chohlip23216v012223"}