{"uin":"CHOPAGP20117V011920","name":"Chola Health and Accident Plan for Educational Institutions","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-health-and-accident-plan-for-educational-institutions-chopagp20117v011920","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":"personal-accident","category_name":"Personal accident","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"This is a group personal accident product for students and staff of educational institutions and parents of students, with any one of Accidental Death, Permanent Total Disability or Permanent Partial Disability as a mandatory base cover. The base personal accident covers are worldwide, while optional health indemnity covers apply in India with 30-day initial, 24-month specific disease and 36-month pre-existing disease waiting periods.","analysis":{"state":"machine","analysed_at":"2026-10-19 19:54:08.563969+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"The wording describes base covers, optional covers and sections, but does not name plan variants.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"The policy can be renewed for 12 months.","display":"12 months","note":null,"quote":"This policy can be renewed for a period of 12 months subject to payment of premium prior to expiry of the policy and not later than 30 days grace period post the expiry of the policy.","sources":[{"clause":"20(b)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-health-and-accident-plan-for-educational-institutions-chopagp20117v011920/document/5129#c-20-b"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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 & signed claim form","KYC of the nominee / legal heir in case of death claim and KYC of the Insured for other claim under the policy","Account details with proof for NEFT","Copy of FIR / Police Report, wherever necessary","Copy of Post Mortem Report/Coroner’s report (If postmortem is conducted)","Copy or Panchanama / Inquest report","Death Certificate","Original Policy Certificate for deletion of name of the Insured person from the list","Report of the attending Doctor confirming disability","Admit / Discharge card","Investigation reports such as X-rays, Lab test etc","Original Discharge summary in the hospital letter head with the seal and sign of the doctor with complete details of diagnosis, treatment given, treatment advised etc","Original Main bill from the hospital with cost wise break up","Original payment receipt (Receipt should have Serial No)","All pharmacy bills should be accompanied with relevant prescriptions"],"display":"Claim form, KYC, NEFT proof and cover-specific documents such as FIR, post-mortem/death certificate, disability report, discharge card, bills and investigation reports","note":"Health indemnity and accident medical expense claims require additional hospital bills and medical records.","quote":"Following documents are to be submitted for processing of the claim along with the duly filled & signed claim form by the insured / nominee in addition to the documents listed in the table:\n- KYC of the nominee / legal heir in case of death claim and KYC of the Insured for other claim under the policy.\n- Account details with proof for NEFT of the nominee / legal heir in case of death claim and of the insured for other claims under the policy i.e. cancelled cheque, passbook copy has to be submitted with the below listed claim documents.\nCover | Claim Documents\nAccidental Death Benefit (AD) | • Copy of FIR / Police Report, wherever necessary • Copy of Post Mortem Report/Coroner’s report (If postmortem is conducted) • Copy or Panchanama / Inquest report • Death Certificate • Original Policy Certificate for deletion of name of the Insured person from the list.\nPTD/PPD | • Report of the attending Doctor confirming disability • Admit / Discharge card • Investigation reports such as X-rays, Lab test etc • FIR/ Police report, wherever necessary ... - Original Discharge summary in the hospital letter head with the seal and sign of the doctor with complete details of diagnosis, treatment given, treatment advised etc\n- Original Main bill from the hospital with cost wise break up.\n- Original payment receipt (Receipt should have Serial No) ... - All pharmacy bills should be accompanied with relevant prescriptions.","sources":[{"clause":"14(c)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-health-and-accident-plan-for-educational-institutions-chopagp20117v011920/document/5129#c-14-c"},{"clause":"22(e)","heading":null,"page":43,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-health-and-accident-plan-for-educational-institutions-chopagp20117v011920/document/5129#c-22-e"}],"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 says it shall settle claims, including rejection, within ten days of receipt of the last necessary document. Delay in payment attracts penal interest at 2% above the Bank rate prevalent at the beginning of the financial year in which the claim is reviewed.","display":"Within ten days of receipt of last necessary document","note":null,"quote":"We shall settle claims, including its rejection, within ten days of the receipt of last `necessary’ document.\n- In case of delay in the payment, the Company shall be liable to pay penal interest at a rate which is 2% above the Bank rate prevalent at the beginning of the financial year in which the claim is reviewed.","sources":[{"clause":null,"heading":"14. d. Claim Settlement","page":17,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-health-and-accident-plan-for-educational-institutions-chopagp20117v011920/document/5129#c-14-d-claim-settlement"}],"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":["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","Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of first 24 months of continuous coverage after the date of inception of the first policy with us","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","intentionally self-inflicted injury, suicide or any attempt thereof, whether sane or insane","Pregnancy or childbirth or in consequence thereof","Sexually Transmitted diseases or illness","Congenital external defects or anomalies or in consequence thereof","war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, mutiny, military or usurped power","loss sustained or contracted in consequence of the Insured being under the influence of alcohol or drugs unless administered on the advice of a physician","any loss of which a contributing cause was the Insured ’ s actual or attempted commission of, or willful participation in, an illegal act","any loss sustained whilst engaging in aviation or ballooning","While you are participating or training for any sport as a professional","Any loss due to Vector borne disease","This Insurance does not cover any loss, damage, cost or expense arising out of or due to any act of terrorism","Treatment other than Allopathy and AYUSH"],"display":"Main exclusions include 30-day illness waiting, 24-month specified disease waiting, 36-month PED waiting, self-inflicted injury, pregnancy, STDs, congenital external defects, war, alcohol/drugs, illegal acts, aviation/ballooning, professional sports, vector borne disease, terrorism and non-Allopathy/non-AYUSH treatment","note":"Waiting-period exclusions apply to optional Section 2 Health Indemnity Covers.","quote":"i) 30-day waiting period – Code – Excl03\na) 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. ... Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of first 24 months of continuous coverage after the date of inception of the first policy with us. ... 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. ... The Company will not pay for any claim in respect of any Insured Person caused by, arising from or in any way attributable to:\n1. intentionally self-inflicted injury, suicide or any attempt thereof, whether sane or insane;\n2. Pregnancy or childbirth or in consequence thereof.\n3. Sexually Transmitted diseases or illness\n4. Congenital external defects or anomalies or in consequence thereof. ... 7. war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, mutiny, military or usurped power ... 10. loss sustained or contracted in consequence of the Insured being under the influence of alcohol or drugs unless administered on the advice of a physician;\n11. any loss of which a contributing cause was the Insured ’ s actual or attempted commission of, or willful participation in, an illegal act ... 12. any loss sustained whilst engaging in aviation or ballooning ... 17. While you are participating or training for any sport as a professional.\n18. Any loss due to Vector borne disease ... 20. This Insurance does not cover any loss, damage, cost or expense arising out of or due to any act of terrorism. ... 21. *Treatment other than Allopathy and AYUSH.","sources":[{"clause":null,"heading":"Endorsement No. 10. Health Indemnity Covers","page":36,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-health-and-accident-plan-for-educational-institutions-chopagp20117v011920/document/5129#c-endorsement-no-10-health-indemnity-covers"},{"clause":"6","heading":"GENERAL EXCLUSIONS","page":12,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-health-and-accident-plan-for-educational-institutions-chopagp20117v011920/document/5129#c-6-2"},{"clause":"9","heading":null,"page":12,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-health-and-accident-plan-for-educational-institutions-chopagp20117v011920/document/5129#c-9-2"}],"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 complain to the company through its website, toll free number, email or Customer Care address. If not satisfied or delayed beyond 7 working days, 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; then Ombudsman","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 ... In case you are not happy with the resolution provided or delay of greater than 7 working days, you may follow the below escalation matrix. ... 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 ... you may escalate the same to our Chief Grievance Officer - GRO@cholams.murugappa.com ... you may approach the Insurance Ombudsman for Redressal.","sources":[{"clause":null,"heading":"8. GRIEVANCE REDRESSAL MECHANISM","page":20,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-health-and-accident-plan-for-educational-institutions-chopagp20117v011920/document/5129#c-8-grievance-redressal-mechanism"},{"clause":null,"heading":"Procedure of Grievance Redressal","page":21,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-health-and-accident-plan-for-educational-institutions-chopagp20117v011920/document/5129#c-procedure-of-grievance-redressal"},{"clause":null,"heading":"Escalation Matrix","page":21,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-health-and-accident-plan-for-educational-institutions-chopagp20117v011920/document/5129#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":"The wording refers to Sum Insured limits shown in the Policy Schedule/Certificate but does not print 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-day waiting period","note":"Applies to optional Section 2 Health Indemnity Covers.","quote":"i) 30-day waiting period – Code – Excl03\na) 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":"Endorsement No. 10. Health Indemnity Covers","page":36,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-health-and-accident-plan-for-educational-institutions-chopagp20117v011920/document/5129#c-endorsement-no-10-health-indemnity-covers"}],"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":"Applies to optional Section 2 Health Indemnity Covers; on sum insured enhancement it applies afresh to the increased amount.","quote":"Pre-Existing Diseases – Code – Excl01:\na) 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":null,"heading":"Endorsement No. 10. Health Indemnity Covers","page":36,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-health-and-accident-plan-for-educational-institutions-chopagp20117v011920/document/5129#c-endorsement-no-10-health-indemnity-covers"}],"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":"Applies to optional Section 2 Health Indemnity Covers; if a listed disease/procedure also falls under the PED waiting period, the longer waiting period applies.","quote":"Specified disease/procedure waiting period – Code – Excl02:\na) Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of first 24 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. ... If any of the specified disease/procedure falls under the waiting period specified for Pre-Existing diseases, then the longer of the two waiting periods shall apply.","sources":[{"clause":null,"heading":"Endorsement No. 10. Health Indemnity Covers","page":36,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-health-and-accident-plan-for-educational-institutions-chopagp20117v011920/document/5129#c-endorsement-no-10-health-indemnity-covers"}],"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","Treatment of diseases on ears/ tonsils /adenoids /paranasal sinuses / Deviated Nasal Septum","Benign Prostatic Hypertrophy","All types of Hernia","Hydrocele","Varicose Veins and Varicose Ulcers","Rheumatism and arthritis of any kind","Stones in the Urinary and Biliary Systems","Any type of benign Cyst/ Nodules/ Polyps/ Tumours/ Breast Lumps unless malignant","Intervertebral Disc Prolapse, and Degenerative Disc / vertebral Disorders","Dilatation and curettage (D&C)","Joint replacement Surgery unless because of accident","ENT disorders & Surgery","Spondylosis / Spondylitis and other Degenerative Disc Disorders","Ligament, Tendon and Meniscal tear"],"display":"Specified list includes congenital internal anomaly, ENT diseases, BPH, hernia, hydrocele, varicose veins, rheumatism/arthritis, stones, benign cysts/tumours, disc disorders, D&C, joint replacement, spondylosis/spondylitis and ligament/tendon/meniscal tear","note":"Applies to optional Section 2 Health Indemnity Covers.","quote":"f) List of specific diseases/procedures are as below\na) Congenital Internal Anomaly\nb) Treatment of diseases on ears/ tonsils /adenoids /paranasal sinuses / Deviated Nasal Septum\nc) Benign Prostatic Hypertrophy\nd) All types of Hernia\ne) Hydrocele\nf) Varicose Veins and Varicose Ulcers\ng) Rheumatism and arthritis of any kind\nh) Stones in the Urinary and Biliary Systems\ni) Any type of benign Cyst/ Nodules/ Polyps/ Tumours/ Breast Lumps unless malignant\nj) Intervertebral Disc Prolapse, and Degenerative Disc / vertebral Disorders\nk) Dilatation and curettage (D&C)\nl) Joint replacement Surgery unless because of accident\nm) ENT disorders & Surgery\nn) Spondylosis / Spondylitis and other Degenerative Disc Disorders\no) Ligament, Tendon and Meniscal tear","sources":[{"clause":null,"heading":"Endorsement No. 10. Health Indemnity Covers","page":36,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-health-and-accident-plan-for-educational-institutions-chopagp20117v011920/document/5129#c-endorsement-no-10-health-indemnity-covers"}],"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 runs 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":"27","heading":"Moratorium Period","page":20,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-health-and-accident-plan-for-educational-institutions-chopagp20117v011920/document/5129#c-27"}],"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":"For optional health indemnity waiting periods, if the insured person is continuously covered without a break as defined under IRDAI portability norms, the waiting period is reduced to the extent of prior coverage.","display":"Waiting-period credit to the extent of prior coverage under portability norms","note":"The wording states portability credit for optional Section 2 Health Indemnity Covers but does not describe the operational process for porting out.","quote":"If the Insured Person is continuously covered without any break as defined under the applicable norms on portability stipulated by IRDAI, then waiting period for the same would be reduced to the extent of prior coverage. ... If the Insured Person is continuously covered without any break as defined under the portability norms stipulated by IRDAI, then waiting period for the same would be reduced to the extent of prior coverage.","sources":[{"clause":null,"heading":"Endorsement No. 10. Health Indemnity Covers","page":36,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-health-and-accident-plan-for-educational-institutions-chopagp20117v011920/document/5129#c-endorsement-no-10-health-indemnity-covers"}],"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 except on specified grounds, 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 wording reserves the right to revise premium but does not state whether premium can be loaded at renewal because of claims.","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","Excluded Providers: Code – Excl11","Code – Excl14 Dietary supplements and substances that can be purchased without prescription","Refractive Error: Code – Excl15","Unproven Treatments Code – Excl16","Sterility and Infertility: Code – Excl17","Maternity: Code – Excl18","Any travel or transportation costs or expenses excluding ambulance charges","Circumcisions (unless necessitated by illness or injury and forming part of treatment)","Vaccination or inoculation unless forming a part of post-animal bite treatment","Any external congenital diseases, defects or anomalies","Any expenses incurred towards hearing aids, eyeglasses or contact lenses","Treatment rendered by a Medical Practitioner which is outside his discipline or the discipline for which he is licensed","Claims arising out of the treatment / operation undertaken to cure impotence or to improve potency","Non medical Expenses incurred during Hospitalisation"],"display":"Permanent exclusions include Excl04 to Excl09, Excl11, Excl14 to Excl18 and additional exclusions for travel costs, circumcision, vaccination, durable medical equipment, external congenital diseases, dental cosmetic treatment, hearing aids/eyeglasses, personal comfort items, unlicensed/family practitioner treatment, impotence treatment and non-medical expenses","note":"These are the permanent exclusions printed for optional Section 2 Health Indemnity Covers; the base personal accident section also has general exclusions.","quote":"1 Investigation & Evaluation – Code – Excl04 ... 2 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 ... Excl11 Excluded Providers: Code – Excl11 ... Code – Excl14 Dietary supplements and substances that can be purchased without prescription ... Refractive Error: Code – Excl15 ... Unproven Treatments Code – Excl16 ... Sterility and Infertility: Code – Excl17 ... 11 Maternity: Code – Excl18 ... Any travel or transportation costs or expenses excluding ambulance charges. ... Circumcisions (unless necessitated by illness or injury and forming part of treatment). ... Vaccination or inoculation unless forming a part of post-animal bite treatment. ... Any external congenital diseases, defects or anomalies. ... Any expenses incurred towards hearing aids, eyeglasses or contact lenses. ... Treatment rendered by a Medical Practitioner which is outside his discipline or the discipline for which he is licensed ... Claims arising out of the treatment / operation undertaken to cure impotence or to improve potency. ... Non medical Expenses incurred during Hospitalisation.","sources":[{"clause":"1","heading":"Investigation & Evaluation – Code – Excl04","page":39,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-health-and-accident-plan-for-educational-institutions-chopagp20117v011920/document/5129#c-1-4"},{"clause":"2","heading":"Rest Cure, rehabilitation and respite care – code – Excl05","page":40,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-health-and-accident-plan-for-educational-institutions-chopagp20117v011920/document/5129#c-2-3"},{"clause":"3","heading":"Obesity/Weight Control: Code – Excl06: Expenses related to the surgical treatment of","page":40,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-health-and-accident-plan-for-educational-institutions-chopagp20117v011920/document/5129#c-3-4"},{"clause":"4","heading":"Change-of-Gender treatments","page":40,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-health-and-accident-plan-for-educational-institutions-chopagp20117v011920/document/5129#c-4-2"},{"clause":"5","heading":"Cosmetic or plastic Surgery: Code – Excl08: Expenses for cosmetic or plastic surgery or","page":40,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-health-and-accident-plan-for-educational-institutions-chopagp20117v011920/document/5129#c-5-3"},{"clause":"6","heading":"Hazardous or Adventure sports","page":40,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-health-and-accident-plan-for-educational-institutions-chopagp20117v011920/document/5129#c-6-3"},{"clause":"Excl11","heading":"Excluded Providers: Code – Excl11","page":14,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-health-and-accident-plan-for-educational-institutions-chopagp20117v011920/document/5129#c-excl11"},{"clause":"7","heading":"Code – Excl14 Dietary supplements and substances that can be purchased without","page":40,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-health-and-accident-plan-for-educational-institutions-chopagp20117v011920/document/5129#c-7-2"},{"clause":"8","heading":"Refractive Error: Code – Excl15: Expenses related to the treatment for correction of eye","page":40,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-health-and-accident-plan-for-educational-institutions-chopagp20117v011920/document/5129#c-8-3"},{"clause":"9","heading":"Unproven Treatments Code – Excl16: Expenses related to any unproven treatment, services","page":40,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-health-and-accident-plan-for-educational-institutions-chopagp20117v011920/document/5129#c-9-3"},{"clause":"10","heading":"Sterility and Infertility","page":40,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-health-and-accident-plan-for-educational-institutions-chopagp20117v011920/document/5129#c-10-3"},{"clause":"11","heading":"Maternity: Code – Excl18","page":41,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-health-and-accident-plan-for-educational-institutions-chopagp20117v011920/document/5129#c-11-3"},{"clause":"12","heading":null,"page":41,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-health-and-accident-plan-for-educational-institutions-chopagp20117v011920/document/5129#c-12-2"},{"clause":"13","heading":null,"page":41,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-health-and-accident-plan-for-educational-institutions-chopagp20117v011920/document/5129#c-13-2"},{"clause":"14","heading":null,"page":41,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-health-and-accident-plan-for-educational-institutions-chopagp20117v011920/document/5129#c-14-2"},{"clause":"16","heading":null,"page":41,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-health-and-accident-plan-for-educational-institutions-chopagp20117v011920/document/5129#c-16-2"},{"clause":"18","heading":null,"page":41,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-health-and-accident-plan-for-educational-institutions-chopagp20117v011920/document/5129#c-18-2"},{"clause":"20","heading":null,"page":41,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-health-and-accident-plan-for-educational-institutions-chopagp20117v011920/document/5129#c-20-2"},{"clause":"21","heading":"Claims arising out of the treatment / operation undertaken to cure impotence or to improve","page":41,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-health-and-accident-plan-for-educational-institutions-chopagp20117v011920/document/5129#c-21-2"},{"clause":"22","heading":null,"page":41,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-health-and-accident-plan-for-educational-institutions-chopagp20117v011920/document/5129#c-22-2"}],"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; the company retains premium at the short period scale for the expired portion and refunds excess premium, subject to no claim under the policy or certificate.","display":"Short period refund subject to no claim","note":null,"quote":"The Insured Person/Policy Holder may also cancel the policy at any time in which event, the company shall be entitled to retain premium at Short Period Scale for the expired portion on the date of cancellation. Any excess premium available with us after adjustment at Short Period Scale as provided herein below shall be refunded to the Insured/Policy Holder subject to no claim under the Policy /Certificate. ... Period on Risk (in Months) | Rate of Premium to be retained\n1 | 8%\n2 | 17%\n3 | 25%\n4 | 33%\n5 | 42%\n6 | 50%\n7 | 58%\n8 | 67%\n9 | 75%\n10 | 83%\n11 | 92%\n12 | 100%","sources":[{"clause":"24","heading":"Cancellation of Policy","page":19,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-health-and-accident-plan-for-educational-institutions-chopagp20117v011920/document/5129#c-24"},{"clause":null,"heading":"Short Period Scales","page":19,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-health-and-accident-plan-for-educational-institutions-chopagp20117v011920/document/5129#c-short-period-scales"}],"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":"Base personal accident covers for accidental death, permanent total disability and permanent partial disability are worldwide. Optional accident medical expenses and Section 2 Health Indemnity Covers are limited to insured contingencies occurring within India.","display":"Base PA: Worldwide Cover; optional accident medical and health indemnity: within India","note":null,"quote":"c) Territorial Limits:\nWorldwide Cover\nThis cover is subject otherwise to the terms, exclusions, conditions and limitations of the Policy. ... c) Territorial Limits:\nThe Insurer’s liability to make any payment under this cover will be for Insured contingencies occurring within India. ... B. Territorial Limits applicable to Section 2:\nThe Insurer’s liability to make any payment under this cover will be for Insured contingencies occurring within India.","sources":[{"clause":"1(c)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-health-and-accident-plan-for-educational-institutions-chopagp20117v011920/document/5129#c-1-c"},{"clause":"1(c)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-health-and-accident-plan-for-educational-institutions-chopagp20117v011920/document/5129#c-1-c-2"},{"clause":null,"heading":"Endorsement No. 10. Health Indemnity Covers","page":36,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-health-and-accident-plan-for-educational-institutions-chopagp20117v011920/document/5129#c-endorsement-no-10-health-indemnity-covers"}],"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-stated","value":null,"display":null,"note":null,"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":30},"display":"30 days grace period post the expiry of the policy","note":"The renewal clause states 30 days after expiry. The definition says the grace period is fifteen days for monthly premium mode and thirty days in all other cases.","quote":"This policy can be renewed for a period of 12 months subject to payment of premium prior to expiry of the policy and not later than 30 days grace period post the expiry of the policy. ... 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":"20(b)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-health-and-accident-plan-for-educational-institutions-chopagp20117v011920/document/5129#c-20-b"},{"clause":null,"heading":"24.Educational Institution","page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-health-and-accident-plan-for-educational-institutions-chopagp20117v011920/document/5129#c-24-educational-institution"}],"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":"Students can enter from 02 years completed age. Staff and parents can enter between 18 years and 65 years completed age.","display":"Students: from 02 years; Staff and Parents: 18 Years to 65 years","note":null,"quote":"The entry age for the members at the commencement date of the policy shall be as follows:\n- Students from 02 years (completed age)\n- Staff and Parents between 18 Years and 65 years (Completed age)","sources":[{"clause":null,"heading":"2. PERSONS WHO CAN BE INSURED","page":8,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-health-and-accident-plan-for-educational-institutions-chopagp20117v011920/document/5129#c-2-persons-who-can-be-insured"}],"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 wording mentions grace periods for monthly and other premium payment modes but does not state which premium modes can be chosen.","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":["Accidental Dismemberment","Accidental Medical Expenses Reimbursement – In-Patient (IP)&Out-Patient (OP)","Temporary Total Disablement (TTD)","Educational Encouragement Grant Cover","Modification of Residential Accommodation and Vehicle","Broken Bones Benefit","External Aids & Appliances","Burn Injury Benefit","Terrorism Cover","In-Patient hospitalisation for Illness","Pre & Post hospitalisation Expenses","Day Care Treatment","Emergency Ambulance Expenses","AYUSH Treatment","Sum Insured Restoration for unrelated claims","Critical Illness Benefit","Compassionate Visit","Convalescence Benefit","Hospital Daily Cash - Illness and Accident","Adventure Sports Activity Cover","EMI Benefit due to Loss of Job","Loss of Gadgets","Accidental Damage to Spectacles"],"display":"Optional PA, health indemnity and other additional covers are available on payment of additional premium","note":null,"quote":"Optional Covers on payment of additional Premium | Section 1 - Personal Accident (PA) Covers | Accidental Dismemberment\nAccidental Medical Expenses Reimbursement – In-Patient (IP)&Out-Patient (OP)\nSection 1 - | Temporary Total Disablement (TTD)\nEducational Encouragement Grant Cover Modification of Residential Accommodation and Vehicle Broken Bones Benefit External Aids & Appliances Burn Injury Benefit Terrorism Cover\nSection 2 - Health Indemnity Covers | In-Patient hospitalisation for Illness\nOptional | Pre & Post hospitalisation Expenses\nHealth | Day Care Treatment\nadditional | Indemnity Emergency Ambulance Expenses\nAYUSH Treatment Sum Insured Restoration for unrelated claims\nSection 3 - Other Additional Covers | Critical Illness Benefit\nCompassionate Visit Convalescence Benefit Section 3 - Hospital Daily Cash - Illness and Accident Additional Adventure Sports Activity Cover EMI Benefit due to Loss of Job Loss of Gadgets Accidental Damage to Spectacles","sources":[{"clause":null,"heading":"9. OPTIONAL COVERS","page":25,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-health-and-accident-plan-for-educational-institutions-chopagp20117v011920/document/5129#c-9-optional-covers"}],"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":"No coverage is available during the grace period of 30 days.","display":"No coverage during the grace period of 30 days","note":null,"quote":"However, no coverage shall be available during the grace period of 30 days.","sources":[{"clause":"20(b)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-health-and-accident-plan-for-educational-institutions-chopagp20117v011920/document/5129#c-20-b"}],"law":[]},{"key":"accidental_death","label":"Accidental death","section":"Cover","meaning":"What is paid if an accident causes death.","status":"quote-verified","value":"If accidental bodily injury anywhere in the world causes death within twelve months, the company pays the Base Sum Insured. It also pays up to 3% of Sum Insured or Rs. 6,000.00, whichever is lower, for transporting mortal remains, actual costs or Rs. 5,000.00, whichever is lower, for religious ceremonies, and Rs. 1,000/- for ambulance hiring charges following an accident subject to bill.","display":"Base Sum Insured, plus transport up to 3% or Rs. 6,000.00, religious ceremonies up to Rs. 5,000.00, and Rs. 1,000/- ambulance hiring charges","note":null,"quote":"If at any time during the Policy Period, the Insured shall sustain any bodily injury anywhere in the world, which shall within twelve months of its occurrence be the sole and direct cause of his/her death, then the Company will pay the Base Sum Insured as specified in the Policy Certificate. In addition to Accidental Death Sum Insured, the Company will also pay upto 3% of Sum Insured or Rs. 6,000.00 (whichever is lower), towards the cost of transporting the mortal remains from the place of death to the hospital and/or residence and/or cremation and/or burial ground. The Company will also pay in addition to Accidental Death Sum Insured, the actual costs or Rs. 5,000.00 (whichever is lower), incurred in connection with performance of religious ceremonies incurred upto the time of cremation and costs incurred for any one post cremation ceremony. An amount of Rs. 1,000/- will be paid for Ambulance hiring charges following an accident, subject to submission of bill.","sources":[{"clause":"1(a)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-health-and-accident-plan-for-educational-institutions-chopagp20117v011920/document/5129#c-1-a"}],"law":[]},{"key":"permanent_total_disability","label":"Permanent total disability","section":"Cover","meaning":"What is paid for permanent total disability.","status":"quote-verified","value":"For accidental injury causing permanent total disability that continues for 12 consecutive months, the policy pays 100% of Sum Insured for the listed losses: sight of both eyes, two hands or two feet, one hand and one foot, one eye plus one foot or hand, both ears hearing plus speech, both ears hearing or speech plus one limb or one eye, and coma of specified severity.","display":"100% of Sum Insured for listed PTD events after 12 consecutive months","note":null,"quote":"If at any time during the Policy Period, the Insured shall sustain Accidental Injury, causing the Insured Permanently Totally Disabled and such disability has continued for a period of 12 consecutive months, The Company will pay the Base Sum Insured as specified in the table below: ... Loss of sight of both eyes | 100%\nLoss of two entire hands or two entire feet | 100%\nLoss of one entire hand and one entire foot | 100%\nLoss of sight of one eye and such loss of one entire foot, or hand | 100%\nComplete loss of hearing of both ears & complete loss of Speech | 100%\nComplete loss of hearing of both ears or complete loss of speech and loss of one limb or loss of sight of one eye | 100%\nComa of Specified Severity | 100%\nThe Company’s maximum liability however shall not be more than 100% of the Sum Insured.","sources":[{"clause":"2","heading":"Permanent Total Disability Benefit (PTD)","page":9,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-health-and-accident-plan-for-educational-institutions-chopagp20117v011920/document/5129#c-2-2"},{"clause":null,"heading":"Percentage of","page":9,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-health-and-accident-plan-for-educational-institutions-chopagp20117v011920/document/5129#c-percentage-of"}],"law":[]},{"key":"permanent_partial_disability","label":"Permanent partial disability","section":"Cover","meaning":"The table of payouts for losing a limb, eye, hearing...","status":"quote-verified","value":"For accidental injury causing permanent partial disability within 12 months, the policy pays the percentage of Base Sum Insured in the table, with maximum liability not exceeding 100% of Sum Insured. The table includes all toes 20%, both ears hearing 60%, one ear hearing 30%, speech 60%, four fingers and thumb of one hand 40%, four fingers 35%, thumb both phalanges 25%, sight of one eye 50%, one hand 50%, one foot 50%, and other permanent partial disablement as assessed by the panel doctor.","display":"PPD table: 2% to 60% for listed losses, 50% for one eye/one hand/one foot, and assessed percentage for other PPD; maximum 100%","note":"If the same accidental injury later results in death or PTD, PPD coverage is not applicable and the death or PTD amount is reduced by any PPD payment.","quote":"If at any time during the Policy Period, the Insured shall sustain Accidental Injury causing the Insured Permanent Partial Disability as mentioned in the Table below within 12 months of the Accidental Injury being sustained, The Company will pay the Insured the percentage of the Base Sum Insured specified for each and every form of impairment mentioned in the table below. The Company’s maximum liability however shall not exceed 100% of the Sum Insured. ... Loss of toes – all | 20% ... Loss of hearing – both ears | 60%\niii. Loss of hearing – one ear | 30%\niv. Loss of speech | 60%\nv. Loss of four fingers and thumb of one hand | 40%\nvi. Loss of four fingers | 35%\nvii. Loss of thumb – both phalanges | 25% ... xv. Loss of Sight of one eye | 50%\nxvi Loss of One hand | 50%\nxvii. Loss of One foot | 50%\nxviii Any other permanent partial disablement | Percentage as assessed by the panel doctor of the Company","sources":[{"clause":"3(a)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-health-and-accident-plan-for-educational-institutions-chopagp20117v011920/document/5129#c-3-a"}],"law":[]},{"key":"temporary_total_disability","label":"Temporary total disability","section":"Cover","meaning":"Weekly income paid while you cannot work after an accident.","status":"quote-verified","value":"Temporary Total Disablement is available only as an optional cover on payment of additional premium. It pays a weekly benefit during continuous temporary total disability, with the amount payable being 1 % of the Sum Insured subject to the policy-certificate weekly maximum for a period not exceeding 100 weeks, and not more than the insured person's weekly income.","display":"Optional: 1 % of Sum Insured per week, subject to weekly maximum, for up to 100 weeks","note":"This is an optional cover on payment of additional premium, not a mandatory base cover.","quote":"In consideration of payment of additional premium, it is hereby understood and agreed that if at any time during the Policy Period, the Insured shall sustain Accidental Injury resulting in temporary disability which completely prevents the insured from each and every duty pertaining to his employment or occupation, the company will pay a weekly benefit amount to the Insured Person during a period of continuous Temporary Total Disability ... Amount payable shall be 1 % of the Sum Insured subject to a maximum of Rs.----------- per week for a period not exceeding 100 weeks. ... The company shall not pay more than the Insured person’s weekly income for every week for this benefit.","sources":[{"clause":"3(a)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-health-and-accident-plan-for-educational-institutions-chopagp20117v011920/document/5129#c-3-a-2"}],"law":[]},{"key":"accident_medical","label":"Accident medical expenses","section":"Cover","meaning":"Treatment costs after an accident.","status":"quote-verified","value":"Accidental Medical Expenses Reimbursement is an optional cover on payment of additional premium. It reimburses in-patient medical expenses including AYUSH treatment and outpatient medical treatment for accidental injury, up to the Sum Insured mentioned in the Policy Certificate, and the insurer's liability is for contingencies occurring within India.","display":"Optional IP and OP accidental medical reimbursement up to Sum Insured in Policy Certificate; India only","note":"This is an optional cover on payment of additional premium and is over and above the Base Sum Insured.","quote":"In consideration of payment of additional premium, it is hereby understood and agreed that if at any time during the Policy Period, the Insured shall sustain Accidental Injury requiring In-patient Hospitalisation as certified by the Medical Practitioner, the Company will reimburse the Insured the cost of medical expenses including AYUSH treatment as defined in the policy ... In addition, The Company will reimburse the Insured the cost of medical treatment of the Accidental Injury sustained by the Insured as an outpatient ... upto a maximum limit as mentioned in the Policy Certificate. ... The Insurer’s liability to make any payment under this cover will be for Insured contingencies occurring within India.","sources":[{"clause":"1(a)(i)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-health-and-accident-plan-for-educational-institutions-chopagp20117v011920/document/5129#c-1-a-i"},{"clause":"1(a)(ii)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-health-and-accident-plan-for-educational-institutions-chopagp20117v011920/document/5129#c-1-a-ii"},{"clause":"1(c)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-health-and-accident-plan-for-educational-institutions-chopagp20117v011920/document/5129#c-1-c-2"}],"law":[]},{"key":"occupation_classes","label":"Occupation rules","section":"Eligibility","meaning":"Whether your job affects cover or premium.","status":"not-stated","value":null,"display":null,"note":"The wording does not state occupation classes or that occupation affects cover or premium.","quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"PW-Chola Health and Accident Plan for Educational Institutions.pdf","pages":69,"fetched_at":"2026-10-17 19:44:26+00","source_url":"https://www.cholainsurance.com/documents/20121/o/PW-Chola%20Health%20and%20Accident%20Plan%20for%20Educational%20Institutions.pdf/9d462abd-be91-4910-7127-a98dc0198eb4","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-health-and-accident-plan-for-educational-institutions-chopagp20117v011920/document/5129"},{"kind":"prospectus","label":"Prospectus-Chola Health and Accident Plan for Educational Institutions.pdf","pages":39,"fetched_at":"2026-10-17 19:44:08+00","source_url":"https://www.cholainsurance.com/documents/20121/o/Prospectus-Chola%20Health%20and%20Accident%20Plan%20for%20Educational%20Institutions.pdf/4d40ecfd-6655-4ff4-ea7a-dd371770ab3d","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-health-and-accident-plan-for-educational-institutions-chopagp20117v011920/document/5115"}],"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 Health and Accident Plan for Educational Institutions (UIN CHOPAGP20117V011920), IndiaInsurances, https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-health-and-accident-plan-for-educational-institutions-chopagp20117v011920"}