{"uin":"GCIHLGP22109V032122","name":"Health Protect – Group","url":"https://indiainsurances.com/policy/generali-central-insurance/health-protect-group-gcihlgp22109v032122","insurer":{"slug":"generali-central-insurance","name":"Generali Central Insurance Company Limited","url":"https://indiainsurances.com/insurer/generali-central-insurance"},"line":"health","category":"critical-illness","category_name":"Critical illness","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Health Protect – Group is a group benefit policy with Critical Illness, Personal Accident and Loss of Job covers, and the Policy Schedule specifies the opted sections. The Critical Illness section has Plan A to Plan F covering 5, 9, 12, 15, 18 or 20 critical illnesses or conditions, and the territorial limit is India only.","analysis":{"state":"machine","analysed_at":"2026-10-19 20:03:08.343+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Plan A","Plan B","Plan C","Plan D","Plan E","Plan F"],"display":"Plan A, Plan B, Plan C, Plan D, Plan E, Plan F","note":"These are the named variants under the Critical Illness section.","quote":"The policy provides You options of 6 (Six) plans under Critical Illness Section namely Plan A, Plan B, Plan C, Plan D, Plan E, Plan F depending on the number of critical illnesses covered.","sources":[{"clause":"B","heading":"SCOPE OF COVER","page":5,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-protect-group-gcihlgp22109v032122/document/6122#c-b"}],"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 a minimum tenure of 1 year for persons who are not loan borrowers of financial institutions. For credit-linked policies, the maximum term is up to 5 years or up to the loan period, whichever is less.","display":"Minimum 1 year; for credit-linked policies, up to 5 years or the loan period, whichever is less","note":null,"quote":"a) The Policy can be issued for a minimum tenure of 1 year to those who are not loan borrowers of financial institutions.\nb) 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 of credit linked policies","sources":[{"clause":null,"heading":"III. Policy Period","page":19,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-protect-group-gcihlgp22109v032122/document/6122#c-iii-policy-period"}],"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":"Critical Illness claims must be notified immediately and in any event within 45 days of first diagnosis, surgical procedure or medical event. Personal Accident injury claims must be intimated as soon as possible but not later than 30 days from occurrence, and Loss of Job claims within thirty (30) days from termination, dismissal, temporary suspension or retrenchment.","display":"Critical Illness: immediately and within 45 days; Personal Accident: as soon as possible, not later than 30 days; Loss of Job: within thirty (30) days","note":null,"quote":"You or someone claiming on Your behalf must give Notification of Claim to us in writing immediately, and in any event within 45 days of the first diagnosis of the Illness, date of surgical procedure or date of occurrence of the medical event as the case may be ... the Injury as described above shall be intimated to the Company as soon as possible but not later than 30 days from the date of its occurrence. ... the Insured Event as described above shall be intimated by the Insured to the Company within thirty (30) days from the date of termination from employment of the Insured person or his dismissal, temporary suspension or retrenchment from employment as the case may be","sources":[{"clause":"Row 4(b)(i)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-protect-group-gcihlgp22109v032122/document/6122#c-row-4-b-i"},{"clause":"Row 4(e)(i)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-protect-group-gcihlgp22109v032122/document/6122#c-row-4-e-i"},{"clause":"Row 4(e)(iv)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-protect-group-gcihlgp22109v032122/document/6122#c-row-4-e-iv"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Duly completed claim form","Certificate from the attending Medical Practitioner","Original or attested photocopies of Discharge Certificate/ Card","Original or attested photocopies of investigation test reports, inpatient papers","Photocopy of Policy Schedule","Copies of medical documents supporting the accidental injury and treatment taken related to the same","Disability Certificate","Copy of FIR / MLC (if registered)/ Panchnama, wherever applicable","Copy of Death Certificate, in case of Death Claim","Copy of Postmortem / Viscera Report, in case of Death Claim","Certificate from the Bank stating the amortization schedule, the EMI Amounts, Principal Outstanding","Certificate from the employer","Declaration from the insured confirming the tenure of unemployment"],"display":"Claim form, medical certificate and records; for accident claims, policy schedule, medical, disability, FIR/MLC and death documents where applicable; for loss of job, bank certificate, employer certificate and unemployment declaration","note":"The required documents differ by the section under which the claim is made.","quote":"i) Duly completed claim form\nii) Certificate from the attending Medical Practitioner of the Insured Person confirming\n• name of the Insured person.\n• name, date of occurrence and medical details of the Insured Event\n• confirmation that the Insured Event does not relate to any Pre-Existing Illness or any Illness or Injury which existed within the first 90 days of commencement of Period of Insurance.\niii) Original or attested photocopies of Discharge Certificate/ Card from the hospital/ Medical Practitioner.\niv) Original or attested photocopies of investigation test reports, inpatient papers ... • Photocopy of Policy Schedule\n• Copies of medical documents supporting the accidental injury and treatment taken related to the same\n• Disability Certificate ... • Copy of FIR / MLC (if registered)/ Panchnama, wherever applicable ... • Copy of Death Certificate, in case of Death Claim\n• Copy of Postmortem / Viscera Report, in case of Death Claim ... a) Duly completed claim form.\nb) Certificate from the Bank stating the amortization schedule, the EMI Amounts, Principal Outstanding.\nc) Certificate from the employer of the Insured person confirming the termination, dismissal, temporary suspension or retrenchment from employment of the Insured person furnishing the date of termination, permanent dismissal, lay off or retrenchment from employment of the Insured person with the reasons for the same i.e. either due to any of the covered Critical Illness or Permanent Total Disablement.\nd) Declaration from the insured confirming the tenure of unemployment in support of his/her claim","sources":[{"clause":"Row 4(b)(i)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-protect-group-gcihlgp22109v032122/document/6122#c-row-4-b-i"},{"clause":"Row 4(e)(iv)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-protect-group-gcihlgp22109v032122/document/6122#c-row-4-e-iv"}],"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 required, it shall be completed not later than 30 days from receipt of the last necessary document and the claim settled or rejected within 45 days; delay attracts interest at 2% above the bank rate.","display":"Within 15 days from last necessary document; if investigated, within 45 days from last necessary document, with interest at 2% above bank rate for delay","note":null,"quote":"a) 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.\nb) ln the case of delay in the payment of a claim, the Company shall be liable to pay interest to the policyholder from the date of receipt of last necessary document to the date of payment of claim at a rate 2% above the bank rate.\nc) However, where the circumstances of a claim warrant an investigation in the opinion of the Company, 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":"Row 4(e)(iv)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-protect-group-gcihlgp22109v032122/document/6122#c-row-4-e-iv"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Medical Expenses incurred for the listed Critical Illnesses diagnosed within 90 days of the commencement of the Policy.","Any claim with respect to any Critical Illness diagnosed prior to Policy Inception Date","Any Insured Event arising on account of or in connection with any Pre-Existing Illness/ Disease related to specified Critical Illnesses.","Change-of-Gender treatments: Code- Excl07","Cosmetic or Plastic Surgery: Code- Excl08","Hazardous or Adventure sports: Code- Excl09","Breach of law: Code- Excl10","Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof.","Unproven Treatments: Code- Excl16","Birth control, Sterility and Infertility: Code- Excl17","Any pre-existing disability / accidental injury.","Self-employed persons."],"display":"Main exclusions include the 90-day Critical Illness exclusion, prior diagnosis and pre-existing illness exclusions, standard exclusions Excl07, Excl08, Excl09, Excl10, Excl12, Excl16 and Excl17, pre-existing accidental injury/disability and self-employed persons for Loss of Job","note":null,"quote":"i) Any claim with respect to any Critical Illness diagnosed prior to Policy Inception Date\nii) Medical Expenses incurred for the listed Critical Illnesses diagnosed within 90 days of the commencement of the Policy.\niii) Any Insured Event arising on account of or in connection with any Pre-Existing Illness/ Disease related to specified Critical Illnesses. ... a) Change-of-Gender treatments: Code- Excl07 Expenses related to any treatment, including surgical management, to change characteristics of the body to those of the opposite sex. ... b) Cosmetic or Plastic Surgery: Code- Excl08 Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an Accident, Burn(s) or Cancer or as part of medically necessary treatment to remove a direct and immediate health risk to the insured. ... c) Hazardous or Adventure sports: Code- Excl09 Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports, including but not limited to scuba diving, motor racing, parachuting, hang gliding, rock or mountain climbing etc. unless specifically agreed by the Insurance Company. ... d) 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. ... e) Code- Excl12 Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. ... f) Unproven Treatments: Code- Excl16 Expenses related to any unproven treatment, services and supplies for or in connection with any treatment. ... g) Birth control, Sterility and Infertility: Code- Excl17 Expenses related to Birth Control, sterility and infertility. ... ii) Any pre-existing disability / accidental injury. ... a) Self-employed persons.","sources":[{"clause":"C.2","heading":"Exclusions specific to Critical Illness Cover","page":15,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-protect-group-gcihlgp22109v032122/document/6122#c-c-2"},{"clause":"C.1(a)","heading":"Change-of-Gender treatments","page":13,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-protect-group-gcihlgp22109v032122/document/6122#c-c-1-a"},{"clause":"C.1(b)","heading":"Cosmetic or Plastic Surgery","page":13,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-protect-group-gcihlgp22109v032122/document/6122#c-c-1-b"},{"clause":"C.1(c)","heading":"Hazardous or Adventure sports","page":14,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-protect-group-gcihlgp22109v032122/document/6122#c-c-1-c"},{"clause":"C.1(d)","heading":"Breach of law","page":14,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-protect-group-gcihlgp22109v032122/document/6122#c-c-1-d"},{"clause":"C.1(e)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-protect-group-gcihlgp22109v032122/document/6122#c-c-1-e"},{"clause":"C.1(f)","heading":"Unproven Treatments","page":14,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-protect-group-gcihlgp22109v032122/document/6122#c-c-1-f"},{"clause":"C.1(g)","heading":"Birth control, Sterility and Infertility","page":14,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-protect-group-gcihlgp22109v032122/document/6122#c-c-1-g"},{"clause":"C.3(ii)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-protect-group-gcihlgp22109v032122/document/6122#c-c-3-ii"},{"clause":"C.4","heading":"Exclusions specific to Loss of Job","page":16,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-protect-group-gcihlgp22109v032122/document/6122#c-c-4"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"For grievances, the insured person may first contact the Company through its website, toll-free numbers, email, courier to the Grievance Redressal Cell, or a branch. If not satisfied, the insured person may contact the grievance officer before approaching the Insurance Ombudsman or IRDAI Bima Bharosa.","display":"Contact the Company first; if not satisfied, contact the grievance officer, then the Insurance Ombudsman or IRDAI Bima Bharosa","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 Ltd. Unit No. 301, 3rd Floor Part, Building No. 8, Mindspace IT/ITES SEZ, MIDC Industrial Area, Airavali, Navi Mumbai, Thane District – 400 708.\nInsured 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 of the respective area/region for redressal of grievance as per lnsurance Ombudsman Rules 2017.","sources":[{"clause":"6","heading":"Redressal of Grievance","page":17,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-protect-group-gcihlgp22109v032122/document/6122#c-6-3"}],"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 points to the Policy Schedule for the sum insured but does not list selectable sum insured options.","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":90},"display":"90 days","note":"Applies to the Critical Illness section.","quote":"for which the insured was first diagnosed, and/or received medical advice/treatment more than 90 days after the commencement of Period of Insurance","sources":[{"clause":"1.1","heading":"Insured event","page":5,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-protect-group-gcihlgp22109v032122/document/6122#c-1-1"}],"law":[]},{"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 not a hospital expense policy with specific illness/procedure waiting periods such as cataract or hernia; it is a benefit policy for specified critical illnesses, personal accident and loss of job.","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 not a hospital expense policy with a list of illnesses or procedures subject to specific waiting periods.","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 migration clause refers to credit for a moratorium period but the wording does not state the length of the moratorium period.","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/plans 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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"not-stated","value":null,"display":null,"note":"The wording says product pricing may be reviewed annually on experience basis, but does not state whether an individual member's premium can be loaded 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":["Change-of-Gender treatments: Code- Excl07","Cosmetic or Plastic Surgery: Code- Excl08","Hazardous or Adventure sports: Code- Excl09","Breach of law: Code- Excl10","Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof.","Unproven Treatments: Code- Excl16","Birth control, Sterility and Infertility: Code- Excl17","war, invasion, act of foreign enemy, hostilities","ionizing, radiation or contamination by radioactivity","self-destruction or self-inflicted injury, attempted suicide or suicide","any sexually transmitted diseases other than HIV/ AIDS","pregnancy or treatment traceable to pregnancy and child birth","Any Insured Event arising on account of or in connection with any Pre-Existing Illness/ Disease related to specified Critical Illnesses.","Any pre-existing disability / accidental injury.","Self-employed persons."],"display":"Permanent exclusions include Excl07, Excl08, Excl09, Excl10, Excl12, Excl16 and Excl17, plus war, radiation/nuclear, suicide/self-injury, STDs other than HIV/AIDS, pregnancy/childbirth, pre-existing CI-related illness, pre-existing accidental disability/injury and self-employed persons for Loss of Job","note":null,"quote":"a) Change-of-Gender treatments: Code- Excl07 Expenses related to any treatment, including surgical management, to change characteristics of the body to those of the opposite sex. ... b) Cosmetic or Plastic Surgery: Code- Excl08 Expenses for cosmetic or plastic surgery or any treatment to change appearance ... c) Hazardous or Adventure sports: Code- Excl09 Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports ... d) 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. ... e) Code- Excl12 Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. ... f) Unproven Treatments: Code- Excl16 Expenses related to any unproven treatment, services and supplies for or in connection with any treatment. ... g) Birth control, Sterility and Infertility: Code- Excl17 Expenses related to Birth Control, sterility and infertility. ... due to, or arising out of, or directly or indirectly connected with or traceable to, war, invasion, act of foreign enemy, hostilities ... directly or indirectly caused by or contributed to by or arising from ionizing, radiation or contamination by radioactivity ... arising out of or as a result of any act of self-destruction or self-inflicted injury, attempted suicide or suicide. ... any sexually transmitted diseases other than HIV/ AIDS. ... arising out of or resulting directly or indirectly due to or as a consequence of pregnancy or treatment traceable to pregnancy and child birth ... Any Insured Event arising on account of or in connection with any Pre-Existing Illness/ Disease related to specified Critical Illnesses. ... ii) Any pre-existing disability / accidental injury. ... a) Self-employed persons.","sources":[{"clause":"C.1(a)","heading":"Change-of-Gender treatments","page":13,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-protect-group-gcihlgp22109v032122/document/6122#c-c-1-a"},{"clause":"C.1(b)","heading":"Cosmetic or Plastic Surgery","page":13,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-protect-group-gcihlgp22109v032122/document/6122#c-c-1-b"},{"clause":"C.1(c)","heading":"Hazardous or Adventure sports","page":14,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-protect-group-gcihlgp22109v032122/document/6122#c-c-1-c"},{"clause":"C.1(d)","heading":"Breach of law","page":14,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-protect-group-gcihlgp22109v032122/document/6122#c-c-1-d"},{"clause":"C.1(e)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-protect-group-gcihlgp22109v032122/document/6122#c-c-1-e"},{"clause":"C.1(f)","heading":"Unproven Treatments","page":14,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-protect-group-gcihlgp22109v032122/document/6122#c-c-1-f"},{"clause":"C.1(g)","heading":"Birth control, Sterility and Infertility","page":14,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-protect-group-gcihlgp22109v032122/document/6122#c-c-1-g"},{"clause":null,"heading":"B. Specific Exclusions applicable to all","page":14,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-protect-group-gcihlgp22109v032122/document/6122#c-b-specific-exclusions-applicable-to-all"},{"clause":"C.2","heading":"Exclusions specific to Critical Illness Cover","page":15,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-protect-group-gcihlgp22109v032122/document/6122#c-c-2"},{"clause":"C.3(ii)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-protect-group-gcihlgp22109v032122/document/6122#c-c-3-ii"},{"clause":"C.4","heading":"Exclusions specific to Loss of Job","page":16,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-protect-group-gcihlgp22109v032122/document/6122#c-c-4"}],"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 insured person may cancel by giving at least 15 days written notice. If no claim has been made, refund is on short-term rates: for a one-year policy, 75% of annual rate up to one month, 50% up to three months, 25% up to six months and Nil after six months; for longer terms the table in the policy applies, with no refund in the last policy year or where a claim has been admitted or lodged.","display":"Cancel with at least 15 days written notice; no-claim refund on short-term rates","note":"For policies over one year, the wording gives a separate year-of-cancellation return-premium table.","quote":"d) The Insured Person may cancel this insurance by giving the Company at least 15 days written notice. ... ii. In respect of Policy issued for a period of one year and if no claim has been made then, We shall refund premium on short term rates for the unexpired Policy period as per the rates detailed below:\nPeriod on risk | Rate of premium refunded\nUp to one month | 75% of annual rate\nUp to three months | 50% of annual rate\nUp to six months | 25% of annual rate\nExceeding six months | Nil\nNo refunds of premium will be made under the Policy during the last year of the Policy Period. ... e) Notwithstanding anything contained herein or otherwise, no refunds of premium shall be made in respect of the Insured where any claim has been admitted by the Company or has been lodged with the Company.","sources":[{"clause":"6(I)(c)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-protect-group-gcihlgp22109v032122/document/6122#c-6-i-c"},{"clause":"6(II)(d)(i)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-protect-group-gcihlgp22109v032122/document/6122#c-6-ii-d-i"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"The policy covers benefits due to accidental bodily injury or illness sustained during the policy period anywhere in India only.","display":"Anywhere in India only","note":null,"quote":"We cover the benefits due to Accidental Bodily Injury or Illness sustained by the Insured Person during the Policy Period anywhere in India only.","sources":[{"clause":null,"heading":"V. Territorial limit","page":20,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-protect-group-gcihlgp22109v032122/document/6122#c-v-territorial-limit"}],"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 defines renewal with a provision of 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 minimum entry age is 18 years and the maximum entry age is 65 years on the date of commencement of the policy period.","display":"18 years to 65 years","note":null,"quote":"Age Limit (Entry age) To be eligible to be covered under the Policy or get any benefits under the Policy, the minimum age of entry is 18 years, and the maximum age of entry is 65 years, on the date of commencement of the Policy Period, as applicable to such Insured.","sources":[{"clause":null,"heading":"B. Specific General Terms and Clauses","page":18,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-protect-group-gcihlgp22109v032122/document/6122#c-b-specific-general-terms-and-clauses"}],"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":["Permanent Partial Disablement","Temporary Total Disablement","Loss of Job Cover"],"display":"Permanent Partial Disablement, Temporary Total Disablement and Loss of Job Cover","note":"Within Personal Accident, Accidental Death and/or Permanent Total Disablement are mandatory if that cover is opted; Loss of Job can be opted only for salaried persons having a loan from a Bank/Financial Institution.","quote":"Optional cover | Permanent Partial Disablement | As per table of benefits\nTemporary Total Disablement | Weekly benefit, 1% of the Sum Insured for each week, maximum 100 weeks\n3 | Section III, Loss of Job Cover (optional cover) ** | 3 EMIs payable corresponding to the loan insured, up to a maximum of ₹ 10,00,000","sources":[{"clause":"E","heading":"SCHEDULE OF BENEFITS","page":23,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-protect-group-gcihlgp22109v032122/document/6122#c-e-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 a claim during a grace period is payable.","quote":null,"sources":[],"law":[]},{"key":"illness_count","label":"Number of illnesses covered","section":"Cover","meaning":"How many critical illnesses are listed. The definitions matter more than the count.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"illness_list","label":"Illnesses covered","section":"Cover","meaning":"The listed illnesses. Standard definitions are set by IRDAI.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"payout","label":"Payout","section":"Cover","meaning":"Lump sum on diagnosis, staged payouts by severity, or reimbursement.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"survival_period","label":"Survival period","section":"Waiting periods","meaning":"Days you must survive after diagnosis before the money is paid.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"multiple_claims","label":"Multiple claims","section":"Cover","meaning":"Whether you can claim for more than one illness.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"ped_waiting","label":"Pre-existing conditions","section":"Waiting periods","meaning":"Whether an illness you already had can ever be claimed: after a waiting period, or never.","status":"not-applicable","value":null,"display":null,"note":"The Critical Illness section excludes insured events arising out of pre-existing illness/disease related to specified critical illnesses rather than covering them after a waiting period.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]}],"documents":[{"kind":"wording","label":"Health Protect – Group Policy Wordings","pages":25,"fetched_at":"2026-10-17 19:46:05+00","source_url":"https://www.generalicentralinsurance.com/downloads/commercial-insurance/health-protect-group/policy-wording/health-protect-group-policy-wordings.pdf","url":"https://indiainsurances.com/policy/generali-central-insurance/health-protect-group-gcihlgp22109v032122/document/6122"}],"versions":[],"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":"Health Protect – Group (UIN GCIHLGP22109V032122), IndiaInsurances, https://indiainsurances.com/policy/generali-central-insurance/health-protect-group-gcihlgp22109v032122"}