{"uin":"GCIHLGP21545V022021","name":"Group Personal Accident (Revised)","url":"https://indiainsurances.com/policy/generali-central-insurance/group-personal-accident-revised-gcihlgp21545v022021","insurer":{"slug":"generali-central-insurance","name":"Generali Central Insurance Company Limited","url":"https://indiainsurances.com/insurer/generali-central-insurance"},"line":"health","category":"personal-accident","category_name":"Personal accident","irdai_type":"Group","kind":"product","status":"active","approved_on":"2017-01-10","withdrawn_on":null,"summary":"This is a group personal accident policy covering accidental death and disability during the policy period, with worldwide territorial cover and claim payments in India in Indian rupees. The policy can be issued for 1 year, shorter event periods, or up to 5 years for credit linked cases, and accidental medical expenses are available only as optional covers.","analysis":{"state":"machine","analysed_at":"2026-10-19 20:01:36.417572+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 lists covers and optional covers, 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 issued for 1 year. For specific events or covers it can be issued on an hourly basis, daily basis or for less than 1 year, and in credit-linked cases for up to 5 years or the loan period, whichever is less.","display":"1 year; hourly, daily or less than 1 year for specific events or covers; up to 5 years or loan period, whichever is less, for credit linked","note":null,"quote":"a) The Policy can be issued for tenure of 1 year\nb) For providing coverage to specific events or specific covers as requested by Group Manager, the Policy can be issued for hourly basis or daily basis or less than 1 year.\nc) The Policy can be issued for a maximum term of up to 5 years or up to the loan period, whichever is less, in case it is credit linked.","sources":[{"clause":"10","heading":"POLICY PERIOD","page":15,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-personal-accident-revised-gcihlgp21545v022021/document/6117#c-10-2"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"For accidental bodily injury that may result in a claim, the insurer must be informed in writing immediately and in any event within 15 days. For accidental hospitalisation, notification must be given in writing immediately and in any event within 48 hours of the bodily injury.","display":"Immediately and within 15 days; 48 hours for accidental hospitalisation","note":"For death claims, the claimant must also inform the insurer immediately and send the post-mortem report, FIR or other requested documents within 15 days.","quote":"You or someone claiming on Your behalf must inform Us in writing immediately and in any event within 15 days. ... Insured Person must give Notification of Claim, in writing, immediately, and in any event within 48 hours of the aforesaid Bodily Injury.","sources":[{"clause":"11(b)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-personal-accident-revised-gcihlgp21545v022021/document/6117#c-11-b"},{"clause":"11(a)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-personal-accident-revised-gcihlgp21545v022021/document/6117#c-11-a-3"}],"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 Personal Accident Claim Form signed by Insured/ Nominee along with completely filled Attending Physician’s Statement","Photocopy of Policy Schedule","Copies of medical documents supporting the accidental injury and treatment taken related to the same","Disability Certificate","Original Investigation Reports and copies of reports, X - Ray films supporting the accidental injury. Post- Operative X-ray films, if any","Photographs of the Insured Person highlighting the injury / disability","Copy of FIR / MLC (if registered)/ Panchnama, wherever applicable","Leave Records with seal and signature of Authorized signatory of the organization specifying the period of leave and reason for the same","Copy of Photo ID and Address Proof of Insured Member for whom Claim is lodged","Copy of Death Summary, Treatment Papers & Investigation Reports, in case of Death Claim","Copy of Death Certificate, in case of Death Claim","Copy of Post Mortem / Viscera Report, in case of Death Claim","Original Discharge Summary of Hospital","Original final hospital bill","Original pharmacy bills along with copies of prescriptions"],"display":"Claim form, policy schedule, medical and investigation records, disability certificate, photos, FIR/MLC/Panchnama where applicable, leave records, ID/address proofs, death documents, hospital bills and pharmacy bills","note":"The policy says the list is indicative and additional documents may be asked for specific claims.","quote":"• Duly Completed Personal Accident Claim Form signed by Insured/ Nominee along with completely filled Attending Physician’s Statement\n• Photocopy of Policy Schedule\n• Copies of medical documents supporting the accidental injury and treatment taken related to the same\n• Disability Certificate o For Physical Disabilities related with separation of limbs or complete loss of organs - Copy of Disability Certificate issued by Orthopedic Surgeon mentioning the type and percentage of disability o For Physical Disabilities NOT related with separation of limbs or complete loss of organs - Copy of Disability Certificate issued by a Government Doctor / Disability Board / Panel only o For Non - Physical Disabilities - Copy of Disability Certificate issued by a Government Doctor / Disability Board / Panel only for the related speciality (e.g. Loss of memory, sense organs, vision, hearing etc.)\n• Original Investigation Reports and copies of reports, X - Ray films supporting the accidental injury. Post- Operative X-ray films, if any\n• Photographs of the Insured Person highlighting the injury / disability\n• Copy of FIR / MLC (if registered)/ Panchnama, wherever applicable\n• Leave Records with seal and signature of Authorized signatory of the organization specifying the period of leave and reason for the same\n• Copy of Photo ID and Address Proof of Insured Member for whom Claim is lodged ... • Copy of Death Summary, Treatment Papers & Investigation Reports, in case of Death Claim\n• Copy of Death Certificate, in case of Death Claim\n• Copy of Post Mortem / Viscera Report, in case of Death Claim ... • Original Discharge Summary of Hospital mentioning the date of admission, date of discharge, presenting complaints with duration, clinical condition, detailed line of treatment, final diagnosis and past medical and surgical history with duration, wherever applicable\n• Original final hospital bill for hospitalization period, with pre numbered paid receipt with hospital seal and signature of authorized signatory, wherever applicable\n• Original pharmacy bills along with copies of prescriptions, wherever applicable","sources":[{"clause":"11(c)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-personal-accident-revised-gcihlgp21545v022021/document/6117#c-11-c-3"}],"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 receipt of the last necessary document. If investigation is warranted, it must complete the investigation not later than 30 days from receipt of the last necessary document and settle or reject the claim within 45 days from receipt of the last necessary document.","display":"15 days from last necessary document; investigation cases within 45 days","note":"Delay attracts interest at 2% above the bank rate.","quote":"The Company shall settle or reject a claim, as the case may be, within 15 days from the date of receipt of last necessary document. ... it shall initiate and complete such investigation at the earliest, in any case not later than 30 days from the date of receipt of last necessary document- ln such cases, the Company shall settle or reject the claim within 45 days from the date of receipt of last necessary document.","sources":[{"clause":"11(a)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-personal-accident-revised-gcihlgp21545v022021/document/6117#c-11-a-2"},{"clause":"11(c)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-personal-accident-revised-gcihlgp21545v022021/document/6117#c-11-c-2"}],"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":["Hazardous or Adventure sports","Breach of law","Alcoholism, drug or substance abuse or any addictive condition and consequences thereof","Unproven Treatments","Intentional self-Injury","Accident while under the influence of alcohol or drugs","Participation in an actual or attempted felony, riot, crime, misdemeanor or civil commotion","Aviation or Ballooning","Participating in motor racing or trial run","Pregnancy and childbirth, miscarriage, abortion or complications arising out of any of these","War, invasion, acts of foreign enemies, hostilities","Nuclear energy, radiation","Any existing disablement prior to the inception of the Policy","Bodily Injury caused by or arising from terrorism"],"display":"Hazardous/adventure sports, breach of law, alcoholism/drug abuse, unproven treatments, self-injury, alcohol/drug influence, felony/riot/crime, aviation/ballooning, motor racing, pregnancy/childbirth, war, nuclear/radiation, existing disablement, terrorism","note":null,"quote":"a) Hazardous or Adventure sports: Code- Excl09 Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports ... b) Breach of law: Code- Excl10 Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent.\nc) Code- Excl12 Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof.\nd) Unproven Treatments: Code- Excl16 Expenses related to any unproven treatment, services and supplies for or in connection with any treatment. ... e) Intentional self-Injury (including but not limited to the use or misuse of any intoxicating drugs or alcohol)\nf) Accident while under the influence of alcohol or drugs.\ng) Participation in an actual or attempted felony, riot, crime, misdemeanor or civil commotion\nh) Whilst engaging in Aviation or Ballooning ... i) Participating in motor racing or trial run as a driver, co-driver or passenger ... k) Pregnancy and childbirth, miscarriage, abortion or complications arising out of any of these\nl) War, invasion, acts of foreign enemies, hostilities ... m) Nuclear energy, radiation\nn) Any existing disablement prior to the inception of the Policy ... s) Bodily Injury caused by or arising from terrorism, except in case where the policy holder is a victim of terrorist act and not abetting terrorism","sources":[{"clause":"D","heading":"EXCLUSIONS","page":10,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-personal-accident-revised-gcihlgp21545v022021/document/6117#c-d"}],"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 contact the company through its website, toll-free numbers, email, courier to the Grievance Redressal Cell, or the grievance cell at any branch. If not satisfied, contact the grievance officer at GCIGRO@generalicentral.com or call 7900197777 before approaching the Insurance Ombudsman.","display":"Company website/toll-free/email/courier/branch first; then grievance officer at GCIGRO@generalicentral.com or 7900197777; then Insurance Ombudsman","note":null,"quote":"In case of any grievance the insured person may contact the company through Website: https://generalicentralinsurance.com Toll Free: 1800-220-233 / 1860-500-3333 / 022-67837800 Email: GCIcare@generalicentral.com Courier: Grievance Redressal Cell, Generali Central Insurance Company Limited. ... Insured person may also approach the grievance cell at any of the company's branches with the details of grievance.\nlf lnsured person is not satisfied with the redressal of grievance through one of the above methods, insured person may contact the grievance officer at GCIGRO@generalicentral.com or call at: 7900197777 ... lf lnsured person is not satisfied with the redressal of grievance through above methods, the insured person may also approach the office of lnsurance Ombudsman","sources":[{"clause":"7","heading":"Redressal of Grievance","page":13,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-personal-accident-revised-gcihlgp21545v022021/document/6117#c-7-2"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"not-stated","value":null,"display":null,"note":"The wording defines Sum Insured as the amount stated in the Schedule, but does not give selectable cover amounts.","quote":null,"sources":[],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"not-applicable","value":null,"display":null,"note":"This is a personal accident policy covering accidental bodily injury, not an illness indemnity policy with an initial illness waiting period.","quote":null,"sources":[],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"not-applicable","value":null,"display":null,"note":"This is a personal accident policy and does not provide illness cover to which a pre-existing disease waiting period would apply.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"not-applicable","value":null,"display":null,"note":"This is a personal accident policy and does not cover named illnesses or procedures subject to specific illness waiting periods.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"not-applicable","value":null,"display":null,"note":"This is a personal accident policy and has no specific illness waiting-period list.","quote":null,"sources":[],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"not-stated","value":null,"display":null,"note":"The wording mentions moratorium period only as credit that may transfer on migration, but does not state this product's moratorium duration or rule.","quote":null,"sources":[],"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":"not-stated","value":null,"display":null,"note":"The wording states migration to other products of the same insurer, but does not state portability to another insurer.","quote":null,"sources":[],"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":"quote-verified","value":false,"display":"No, renewable up to the age of 70 years","note":null,"quote":"Your policy shall be renewed up to the age of 70 years and will not be refused or cancellation will not be invoked by Us except on ground of fraud, moral hazard or misrepresentation.","sources":[{"clause":"9(b)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-personal-accident-revised-gcihlgp21545v022021/document/6117#c-9-b"}],"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 does not state whether an individual insured's 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":["Code- Excl09 Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports","Code- Excl10 Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent","Code- Excl12 Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof","Code- Excl16 Expenses related to any unproven treatment, services and supplies for or in connection with any treatment","Intentional self-Injury","Accident while under the influence of alcohol or drugs","Participation in an actual or attempted felony, riot, crime, misdemeanor or civil commotion","Whilst engaging in Aviation or Ballooning","Participating in motor racing or trial run","Pregnancy and childbirth, miscarriage, abortion or complications arising out of any of these","War, invasion, acts of foreign enemies, hostilities","Nuclear energy, radiation","Any existing disablement prior to the inception of the Policy","Bodily Injury caused by or arising from terrorism"],"display":"Excl09 hazardous/adventure sports, Excl10 breach of law, Excl12 alcoholism/drug abuse, Excl16 unproven treatments, plus self-injury, alcohol/drug influence, crime/riot, aviation/ballooning, motor racing, pregnancy/childbirth, war, nuclear/radiation, existing disablement and terrorism","note":null,"quote":"a) Hazardous or Adventure sports: Code- Excl09 Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports ... b) Breach of law: Code- Excl10 Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent.\nc) Code- Excl12 Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof.\nd) Unproven Treatments: Code- Excl16 Expenses related to any unproven treatment, services and supplies for or in connection with any treatment. ... e) Intentional self-Injury (including but not limited to the use or misuse of any intoxicating drugs or alcohol)\nf) Accident while under the influence of alcohol or drugs.\ng) Participation in an actual or attempted felony, riot, crime, misdemeanor or civil commotion\nh) Whilst engaging in Aviation or Ballooning ... i) Participating in motor racing or trial run as a driver, co-driver or passenger ... k) Pregnancy and childbirth, miscarriage, abortion or complications arising out of any of these\nl) War, invasion, acts of foreign enemies, hostilities ... m) Nuclear energy, radiation\nn) Any existing disablement prior to the inception of the Policy ... s) Bodily Injury caused by or arising from terrorism, except in case where the policy holder is a victim of terrorist act and not abetting terrorism","sources":[{"clause":"D","heading":"EXCLUSIONS","page":10,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-personal-accident-revised-gcihlgp21545v022021/document/6117#c-d"}],"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":"If you cancel, you must give 15 days' written notice. The insurer refunds balance premium after retaining premium on a short-period scale: 25% up to 1 month, 40% up to 3 months, 75% up to 6 months, 90% up to 9 months and 100% exceeding 9 months; if renewing with the insurer and no claim has been made, refund may be pro-rata for the unexpired policy period.","display":"15 days' notice; refund after short-period retention of 25%, 40%, 75%, 90% or 100%","note":"For policy periods exceeding one year, cancellation is also allowed with at least 15 days' written notice and refund is pro-rata by time cover is provided, subject to minimum retention of 25%.","quote":"If You wish to cancel this Policy You should give Us 15 days notice in writing. We shall refund You balance premium after retaining premium as per the short term scale for the unexpired Policy Period as shown below:\nPolicy Period | Premium Retained (% of annual rate)\nUp to 1 month | 25%\nUp to 3 months | 40%\nUp to 6 months | 75%\nUp to 9 months | 90%\nExceeding 9 months | 100%\nHowever if the client is renewing the policy with us and if no claim has been made, the premium can be refunded on pro-rata basis for unexpired policy period","sources":[{"clause":"9(d)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-personal-accident-revised-gcihlgp21545v022021/document/6117#c-9-d"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"The policy covers accidental bodily injury sustained anywhere in the world, subject to travel and other restrictions imposed by the Indian Government. Payment is made within India and in Indian rupees.","display":"Anywhere in the World, subject to Indian Government travel and other restrictions; payment within India in Indian rupees","note":null,"quote":"We cover Accidental Bodily Injury sustained by the Insured Person during the Policy Period anywhere in the World (subject to the travel and other restrictions that the Indian Government may impose), but We will make payment within India and in Indian Rupees.","sources":[{"clause":"16","heading":"TERRITORIAL LIMITS AND LAW","page":17,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-personal-accident-revised-gcihlgp21545v022021/document/6117#c-16-2"}],"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":"not-stated","value":null,"display":null,"note":"The wording refers to renewal having a grace period, but does not state the number of days.","quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"The insured person is eligible from 18 years up to 70 years. A dependent child can be covered from 2 years to 25 years.","display":"18 to 70 years; dependent child 2 to 25 years","note":null,"quote":"The Insured Person is eligible to be covered under this Policy from 18 years up to the age of 70 years with renewable up to 70 years. ... Child can be covered from 2 years to 25 years as a Dependent Child","sources":[{"clause":"2","heading":null,"page":2,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-personal-accident-revised-gcihlgp21545v022021/document/6117#c-2"}],"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":null,"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":["EXTENSION FOR CHILD EDUCATION SUPPORT COVER (ABOVE THE INBUILT COVER)","EXTENSION FOR REPATRIATION AND FUNERAL BENEFIT COVER (ABOVE THE INBUILT COVER)","EXTENSION FOR ACCIDENTAL MEDICAL EXPENSES COVER","EXTENSION FOR ACCIDENTAL HOSPITALISATION COVER","EXTENSION FOR HOSPITAL CASH ALLOWANCE COVER","EXTENSION FOR MODIFICATION OF RESIDENCE / VEHICLE ALLOWANCE COVER","EXTENSION FOR FAMILY TRANSPORTATION ALLOWANCE COVER","EXTENSION FOR EMERGENCY AMBULANCE COVER","EXTENSION FOR EVACUATION BENEFIT COVER","EXTENSION FOR DOUBLE DISMEMBERMENT COVER","EXTENSION FOR BROKEN BONES COVER","EXTENSION FOR MARRIAGE EXPENSES FOR CHILDREN COVER","EXTENSION FOR CARRIER COVER","EXTENSION FOR CLOTHING DAMAGE COVER","EXTENSION FOR LOAN PROTECTOR COVER","EXTENSION FOR LOSS OR DAMAGE TO SCHOOL BAG OR BOOKS OR BICYCLE COVER","EXTENSION FOR TUTION FEES COVER","EXTENSION FOR ADVENTURE SPORTS BENEFIT COVER","EXTENSION FOR PURCHASE OF BLOOD COVER","EXTENSION FOR COST OF WHEELCHAIR/ CRUTCHES","EXTENSION FOR WIDOWHOOD COVER","EXTENSION FOR AIR AMBULANCE COVER"],"display":"Child education, repatriation and funeral, accidental medical expenses, accidental hospitalisation, hospital cash, residence/vehicle modification, family transportation, emergency ambulance, evacuation, double dismemberment, broken bones, marriage expenses, carrier, clothing damage, loan protector, school bag/books/bicycle, tuition fees, adventure sports, purchase of blood, wheelchair/crutches, widowhood and air ambulance","note":"All listed optional covers are available only on payment of additional premium.","quote":"Optional Covers are available on payment of additional premium, the details of optional covers are mentioned in Annexure I. ... EXTENSION FOR CHILD EDUCATION SUPPORT COVER (ABOVE THE INBUILT COVER) ... EXTENSION FOR REPATRIATION AND FUNERAL BENEFIT COVER (ABOVE THE INBUILT COVER) ... EXTENSION FOR ACCIDENTAL MEDICAL EXPENSES COVER ... EXTENSION FOR ACCIDENTAL HOSPITALISATION COVER ... EXTENSION FOR HOSPITAL CASH ALLOWANCE COVER ... EXTENSION FOR MODIFICATION OF RESIDENCE / VEHICLE ALLOWANCE COVER ... EXTENSION FOR FAMILY TRANSPORTATION ALLOWANCE COVER ... EXTENSION FOR EMERGENCY AMBULANCE COVER ... EXTENSION FOR EVACUATION BENEFIT COVER ... EXTENSION FOR DOUBLE DISMEMBERMENT COVER ... EXTENSION FOR BROKEN BONES COVER ... EXTENSION FOR MARRIAGE EXPENSES FOR CHILDREN COVER ... EXTENSION FOR CARRIER COVER ... EXTENSION FOR CLOTHING DAMAGE COVER ... EXTENSION FOR LOAN PROTECTOR COVER ... EXTENSION FOR LOSS OR DAMAGE TO SCHOOL BAG OR BOOKS OR BICYCLE COVER ... EXTENSION FOR TUTION FEES COVER ... EXTENSION FOR ADVENTURE SPORTS BENEFIT COVER ... EXTENSION FOR PURCHASE OF BLOOD COVER ... EXTENSION FOR COST OF WHEELCHAIR/ CRUTCHES ... EXTENSION FOR WIDOWHOOD COVER ... EXTENSION FOR AIR AMBULANCE COVER","sources":[{"clause":"2","heading":"OPTIONAL COVERS","page":10,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-personal-accident-revised-gcihlgp21545v022021/document/6117#c-2-2"},{"clause":"1","heading":"EXTENSION FOR CHILD EDUCATION SUPPORT COVER (ABOVE THE INBUILT COVER)","page":20,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-personal-accident-revised-gcihlgp21545v022021/document/6117#c-1-5"},{"clause":"2","heading":"EXTENSION FOR REPATRIATION AND FUNERAL BENEFIT COVER (ABOVE THE INBUILT COVER)","page":21,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-personal-accident-revised-gcihlgp21545v022021/document/6117#c-2-4"},{"clause":"3","heading":"EXTENSION FOR ACCIDENTAL MEDICAL EXPENSES COVER","page":22,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-personal-accident-revised-gcihlgp21545v022021/document/6117#c-3-3"},{"clause":"4","heading":"EXTENSION FOR ACCIDENTAL HOSPITALISATION COVER","page":23,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-personal-accident-revised-gcihlgp21545v022021/document/6117#c-4-3"},{"clause":"5","heading":"EXTENSION FOR HOSPITAL CASH ALLOWANCE COVER","page":24,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-personal-accident-revised-gcihlgp21545v022021/document/6117#c-5-3"},{"clause":"6","heading":"EXTENSION FOR MODIFICATION OF RESIDENCE / VEHICLE ALLOWANCE COVER","page":25,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-personal-accident-revised-gcihlgp21545v022021/document/6117#c-6-3"},{"clause":"7","heading":"EXTENSION FOR FAMILY TRANSPORTATION ALLOWANCE COVER","page":26,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-personal-accident-revised-gcihlgp21545v022021/document/6117#c-7-3"},{"clause":"8","heading":"EXTENSION FOR EMERGENCY AMBULANCE COVER","page":27,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-personal-accident-revised-gcihlgp21545v022021/document/6117#c-8-3"},{"clause":"9","heading":"EXTENSION FOR EVACUATION BENEFIT COVER","page":28,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-personal-accident-revised-gcihlgp21545v022021/document/6117#c-9-3"},{"clause":"10","heading":"EXTENSION FOR DOUBLE DISMEMBERMENT COVER","page":29,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-personal-accident-revised-gcihlgp21545v022021/document/6117#c-10-3"},{"clause":"11","heading":"EXTENSION FOR BROKEN BONES COVER","page":30,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-personal-accident-revised-gcihlgp21545v022021/document/6117#c-11-3"},{"clause":"12","heading":"EXTENSION FOR MARRIAGE EXPENSES FOR CHILDREN COVER","page":31,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-personal-accident-revised-gcihlgp21545v022021/document/6117#c-12-3"},{"clause":"13","heading":"EXTENSION FOR CARRIER COVER","page":32,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-personal-accident-revised-gcihlgp21545v022021/document/6117#c-13-3"},{"clause":"14","heading":"EXTENSION FOR CLOTHING DAMAGE COVER","page":33,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-personal-accident-revised-gcihlgp21545v022021/document/6117#c-14-3"},{"clause":"15","heading":"EXTENSION FOR LOAN PROTECTOR COVER","page":34,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-personal-accident-revised-gcihlgp21545v022021/document/6117#c-15-3"},{"clause":"16","heading":"EXTENSION FOR LOSS OR DAMAGE TO SCHOOL BAG OR BOOKS OR BICYCLE COVER","page":35,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-personal-accident-revised-gcihlgp21545v022021/document/6117#c-16-3"},{"clause":"17","heading":"EXTENSION FOR TUTION FEES COVER","page":36,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-personal-accident-revised-gcihlgp21545v022021/document/6117#c-17-2"},{"clause":"18","heading":"EXTENSION FOR ADVENTURE SPORTS BENEFIT COVER","page":37,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-personal-accident-revised-gcihlgp21545v022021/document/6117#c-18-2"},{"clause":"19","heading":"EXTENSION FOR PURCHASE OF BLOOD COVER","page":38,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-personal-accident-revised-gcihlgp21545v022021/document/6117#c-19-2"},{"clause":"20","heading":"EXTENSION FOR COST OF WHEELCHAIR/ CRUTCHES","page":39,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-personal-accident-revised-gcihlgp21545v022021/document/6117#c-20-2"},{"clause":"21","heading":"EXTENSION FOR WIDOWHOOD COVER","page":40,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-personal-accident-revised-gcihlgp21545v022021/document/6117#c-21-2"},{"clause":"22","heading":"EXTENSION FOR AIR AMBULANCE COVER","page":41,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-personal-accident-revised-gcihlgp21545v022021/document/6117#c-22-2"}],"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":"not-stated","value":null,"display":null,"note":"The wording does not state whether claims during a grace period are covered.","quote":null,"sources":[],"law":[]},{"key":"accidental_death","label":"Accidental death","section":"Cover","meaning":"What is paid if an accident causes death.","status":"quote-verified","value":"If injury during the policy year directly and independently results in death within 12 months from the date of accident, the insurer pays the Sum Insured stated in the Schedule. The table states Accidental Death is 100% of Sum Insured.","display":"100% of Sum Insured if accidental injury causes death within 12 months","note":null,"quote":"If during the Policy Year, the Insured Person sustains Injury which directly and independently of all other causes results in death of the Insured Person within twelve (12) months from the date of Accident, then We will pay the Sum Insured as stated in the Schedule. ... Accidental Death | 100%","sources":[{"clause":"1(i)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-personal-accident-revised-gcihlgp21545v022021/document/6117#c-1-i"},{"clause":"1(b)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-personal-accident-revised-gcihlgp21545v022021/document/6117#c-1-b-3"}],"law":[]},{"key":"permanent_total_disability","label":"Permanent total disability","section":"Cover","meaning":"What is paid for permanent total disability.","status":"quote-verified","value":"If injury during the policy year directly results in Permanent Total Disablement within 12 months from the date of accident, the policy pays the percentage of the Sum Insured shown in the table and specified in the Schedule. The listed permanent total disablement events, coma of specified severity due to injury, permanent paralysis of limbs and accidental head injury are all shown as 100% of Sum Insured.","display":"100% of Sum Insured for listed permanent total disablement events","note":null,"quote":"If during the Policy Year, the Insured Person sustains Injury which directly results in Permanent Total Disablement within twelve (12) months from the date of Accident, then We agree to pay the percentage of the Sum Insured shown in the Table of Events below and as specified in the Schedule. ... Permanent total loss of sight of both eyes | 100%\nPermanent total loss of sight of one eye and physical separation of or the loss of ability to use either one hand or foot | 100%\nPermanent total loss and physical separation of or the loss of ability to use both hands or both feet | 100%\nPermanent total loss and physical separation of or the loss of ability to use one hand and foot | 100%\nComa of Specified Severity due to Injury | 100%\nPermanent paralysis of Limbs | 100%\nAccidental Head injury | 100%","sources":[{"clause":"1(b)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-personal-accident-revised-gcihlgp21545v022021/document/6117#c-1-b-3"},{"clause":"1(c)(vi)","heading":"Feeding","page":8,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-personal-accident-revised-gcihlgp21545v022021/document/6117#c-1-c-vi"}],"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":"If injury directly results in Permanent Partial Disablement within 12 months, the policy pays the table percentage of Sum Insured as specified in the Schedule. Examples include 75% for an arm at the shoulder joint, 50% for a hand at the wrist, 25% for a thumb or hearing of one ear, 50% for loss of sight of one eye, 75% for hearing of both ears, and burn benefits of 30%, 50% or 100% depending on affected body surface area.","display":"Table benefit, from 2% for any other toe to 100% for burns at least 45% of body surface area","note":"If the Permanent Partial Disablement event is not listed, the disability percentage certified by the Government Civil Surgeon is considered.","quote":"If during the Policy Year, the Insured Person sustains Injury which directly results in Permanent Partial Disablement within twelve (12) months from the date of Accident, then We agree to pay the percentage of the Sum Insured shown in the Table of Events below and as specified in the Schedule. ... An arm at the shoulder joint | 75%\nAn arm above the elbow joint | 70%\nA hand at the wrist | 50%\nAn arm beneath the elbow joint | 60%\nA thumb | 25%\nAn index finger | 10%\nAny other finger | 5%\nA leg above mid-thigh | 75%\nA leg up to mid thigh | 60%\nA leg up to beneath the knee | 50%\nA leg up to mid-calf | 45%\nA foot at the ankle | 40%\nA large toe | 5%\nAny other toe | 2%\nPermanent Loss of sight of one eye | 50%\nHearing of one ear | 25%\nHearing of both ears | 75% ... Burns at least 18% of the body surface area. | 30% of Sum Insured\nBurns at least 27% of the body surface area. | 50% of Sum Insured\nBurns at least 45% of the body surface area. | 100% of Sum Insured","sources":[{"clause":"1(c)(vi)","heading":"Feeding","page":8,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-personal-accident-revised-gcihlgp21545v022021/document/6117#c-1-c-vi"},{"clause":"1(a)(iii)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-personal-accident-revised-gcihlgp21545v022021/document/6117#c-1-a-iii"}],"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":"If injury directly results in Temporary Total Disablement that completely prevents the insured person from performing every duty of employment or occupation, the policy pays a weekly benefit. Liability is limited to 1% of the Sum Insured for each week during disablement or as specified in the Policy Schedule, with proportionate payment for part of a week, and no more than the Sum Insured or the insured person's base weekly income.","display":"1% of Sum Insured per week, up to 100 weeks and subject to Schedule and base weekly income","note":null,"quote":"Temporary Total Disablement means disablement which temporarily and totally prevents the Insured Person from attending to the duties of his usual business or Occupation and shall be payable for a maximum period of 100 weeks during such disablement from the date on which the Insured Person first became disabled. ... If during the Policy Year, the Insured Person sustains Injury which directly results in Temporary Total Disablement which completely prevents the Insured Person from performing each and every duty pertaining to employment or Occupation, then We will pay a weekly benefit ... Our liability to make payment will be limited to of 1% of the Sum Insured for each week during the period of temporary total disablement and/ or as specified in the Policy Schedule and if the Insured Person is disabled for a part of a week, then only a proportionate part of the weekly benefit will be payable ... We will not pay any amount in excess of the Insured Person’s base weekly income excluding overtime, bonuses, tips, commissions, or any other special compensation","sources":[{"clause":"61","heading":"Temporary Total Disablement","page":6,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-personal-accident-revised-gcihlgp21545v022021/document/6117#c-61"},{"clause":"1(a)(iv)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-personal-accident-revised-gcihlgp21545v022021/document/6117#c-1-a-iv"}],"law":[]},{"key":"accident_medical","label":"Accident medical expenses","section":"Cover","meaning":"Treatment costs after an accident.","status":"quote-verified","value":"Accidental medical expenses are not part of the primary cover and are available as an optional cover on payment of additional premium. If opted, after a valid claim under the policy for accidental death, permanent total disablement, permanent partial disablement or temporary total disablement, the insurer reimburses reasonable and customary charges for treatment or surgery for the injury in a hospital or day care centre in India, including OPD/day care treatment, up to 40% of the valid personal accident claim amount or 20% of the relevant sum insured, whichever is less, subject to a maximum of Rs.500,000, unless a schedule-specific percentage/amount is used.","display":"Optional: reimbursement up to 40% of valid PA claim or 20% of relevant sum insured, whichever is less, maximum Rs.500,000","note":"AYUSH OPD is not covered under this optional section.","quote":"This is an optional cover which can be obtained on payment of additional premium under the Policy. In the event of a valid claim under this Policy for Accidental Death, Permanent Total Disablement or Permanent Partial Disablement, Temporary Total Disablement, We will reimburse the Reasonable & Customary Charges, subject to Deductibles if any shown in the Policy Schedule, for medical treatment or Surgery for the Injury sustained, provided the treatment is during the Policy Year and availed in a Hospital or Day care centre in India including as OPD treatment/Day Care Treatment. The maximum amount payable shall be 40% of the valid Personal Accident claim amount or 20% of the relevant sum insured whichever is less subject to maximum of Rs.500,000 (Rupees five lacs only).","sources":[{"clause":"3","heading":"EXTENSION FOR ACCIDENTAL MEDICAL EXPENSES COVER","page":22,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-personal-accident-revised-gcihlgp21545v022021/document/6117#c-3-3"}],"law":[]},{"key":"occupation_classes","label":"Occupation rules","section":"Eligibility","meaning":"Whether your job affects cover or premium.","status":"quote-verified","value":"The policy is issued based on the occupation declared for the insured person. If the occupation changes, it must be reported in writing within 30 days by filling a fresh proposal form; otherwise insurance ceases for that insured person from the date of change of occupation.","display":"Occupation declared; change must be reported within 30 days or cover ceases for that insured person","note":null,"quote":"We have agreed to issue this Policy based on the Occupation of the Insured Person that You have declared to Us while taking this Policy. If there is change in Occupation then You must tell Us in writing within 30 days of the change by filling a fresh Proposal form. If You do not do this, then this insurance will cease as far as that Insured Person is concerned from the date of change of Occupation.","sources":[{"clause":"8","heading":"Communication","page":13,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-personal-accident-revised-gcihlgp21545v022021/document/6117#c-8-2"}],"law":[]}],"documents":[{"kind":"wording","label":"Group Personal Accident (Revised) Policy Wordings","pages":41,"fetched_at":"2026-10-17 19:46:04+00","source_url":"https://www.generalicentralinsurance.com/downloads/commercial-insurance/group-personal-accident/policy-wording/group-personal-accident-revised-policy-wording.pdf","url":"https://indiainsurances.com/policy/generali-central-insurance/group-personal-accident-revised-gcihlgp21545v022021/document/6117"},{"kind":"wording","label":"Group Personal Accident (revised) (IRDAI copy)","pages":14,"fetched_at":"2026-10-20 02:25:26+00","source_url":"https://irdai.gov.in/documents/37343/931203/FGI_GroupPersonalAccident%28Revised%29_2016-2017.pdf/d06d69b8-1e8e-b96d-518b-81c8f76183ea?version=1.1&t=1668919276290&download=true","url":"https://indiainsurances.com/policy/generali-central-insurance/group-personal-accident-revised-gcihlgp21545v022021/document/28305"}],"versions":[{"uin":"IRDAI/HLT/FGII/P-P(G)/V.I/48/2016-17","version":null,"approved_on":null},{"uin":"GCIHLGP21545V022021","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Generali Central Insurance official website","url":"https://www.generalicentralinsurance.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Motor claim process","url":"https://www.generalicentralinsurance.com/motor-insurance/motor-claim-process","note":null},{"purpose":"claim","kind":"insurer","name":"Other claim process","url":"https://www.generalicentralinsurance.com/other-claim-process","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://www.generalicentralinsurance.com/customer-service/grievance-redressal","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"renew","kind":"insurer","name":"Renewals","url":"https://www.generalicentralinsurance.com/renewals","note":null}],"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":"Group Personal Accident (Revised) (UIN GCIHLGP21545V022021), IndiaInsurances, https://indiainsurances.com/policy/generali-central-insurance/group-personal-accident-revised-gcihlgp21545v022021"}