{"uin":"GCIHLGP22111V032122","name":"Group Loan Bima","url":"https://indiainsurances.com/policy/generali-central-insurance/group-loan-bima-gcihlgp22111v032122","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":"Revision","kind":"product","status":"active","approved_on":"2021-07-09","withdrawn_on":null,"summary":"Group Loan Bima is a loan-linked group policy with mandatory Critical Illness and Personal Accident covers, and Loss of Job as an optional cover. It can be issued for 1 to 5 years, covers in India only, and Plan A to Plan E cover 5, 9, 12, 15 or 18 critical illnesses.","analysis":{"state":"machine","analysed_at":"2026-10-19 20:00:35.140572+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"],"display":"Plan A, Plan B, Plan C, Plan D and Plan E","note":null,"quote":"Plan A | Plan B | Plan C | Plan D | Plan E","sources":[{"clause":null,"heading":"1.1. Insured event","page":7,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-loan-bima-gcihlgp22111v032122/document/6119#c-1-1-insured-event"}],"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, 2 years, 3 years, 4 years or 5 years on fixed sum insured basis and/or reducing sum insured basis. Long-term policies of more than 1 year are only for loan or credit-linked policies; non-loan borrowers can get a 1-year fixed sum insured policy.","display":"1, 2, 3, 4 or 5 years; more than 1 year only for loan/credit-linked policies","note":null,"quote":"The Policy can be issued for tenure of 1 year, 2 years, 3 years, 4 years and 5 years on Fixed Sum Insured basis and / or Reducing Sum Insured basis. Long term policies (of more than 1 year tenure) can only be issued in case of loan/ credit linked policies ... The Policy can also be issued for 1 year on Fixed Sum Insured basis to those who are not loan borrowers of financial institutions","sources":[{"clause":"6(a)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-loan-bima-gcihlgp22111v032122/document/6119#c-6-a"},{"clause":"6(b)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-loan-bima-gcihlgp22111v032122/document/6119#c-6-b"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Critical Illness claims must be notified in writing immediately and in any event within 45 days of first diagnosis, surgical procedure or medical event. Personal Accident claims must be intimated as soon as possible but not later than 30 days from occurrence; Loss of Job optional-cover claims must be intimated 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 but not later than 30 days; Loss of Job: within thirty (30) days","note":"Deadlines vary by section.","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","sources":[{"clause":"8(a)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-loan-bima-gcihlgp22111v032122/document/6119#c-8-a"},{"clause":"8(d)(iv)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-loan-bima-gcihlgp22111v032122/document/6119#c-8-d-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 of the Insured Person","Original or attested photocopies of Discharge Certificate/ Card","Original or attested photocopies of investigation test reports, inpatient papers","Doctor’s Report","First Information Report and Final Police report, wherever necessary","Death certificate, wherever applicable","Disability certificate from a doctor or hospital confirming the extent and nature of disability","Post mortem report, if the same was conducted","Certificate if applicable from the Bank stating the amortization schedule, the EMI Amounts, Principal Outstanding.","Certificate from the employer of the Insured person confirming the termination, permanent dismissal, lay off or retrenchment from employment","Declaration from the insured confirming the tenure of unemployment in support of his/her claim"],"display":"Claim form, medical/practitioner and hospital records, investigation reports, accident police/death/disability/post-mortem documents where applicable, and bank/employer/unemployment documents for Loss of Job","note":"Documents vary by Critical Illness, Personal Accident and Loss of Job sections.","quote":"Duly completed claim form ... Certificate from the attending Medical Practitioner of the Insured Person confirming, ... Original or attested photocopies of Discharge Certificate/ Card from the hospital/ Medical Practitioner; ... Original or attested photocopies of investigation test reports, inpatient papers ... 1. Duly completed claim form;\n2. Doctor’s Report;\n3. First Information Report and Final Police report, wherever necessary;\n4. Death certificate, wherever applicable;\n5. Investigation Reports like Laboratory test, X-rays and reports essential of confirmation of the Injury etc.;\n6. Disability certificate from a doctor or hospital confirming the extent and nature of disability;\n7. Post mortem report, if the same was conducted; ... Certificate if applicable from the Bank stating the amortization schedule, the EMI Amounts, Principal Outstanding. ... Certificate from the employer of the Insured person confirming the termination, permanent dismissal, lay off or retrenchment from employment ... Declaration from the insured confirming the tenure of unemployment in support of his/her claim","sources":[{"clause":"8(d)(i)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-loan-bima-gcihlgp22111v032122/document/6119#c-8-d-i"},{"clause":"8(d)(ii)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-loan-bima-gcihlgp22111v032122/document/6119#c-8-d-ii"},{"clause":"8(d)(iii)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-loan-bima-gcihlgp22111v032122/document/6119#c-8-d-iii"},{"clause":"8(d)(iv)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-loan-bima-gcihlgp22111v032122/document/6119#c-8-d-iv"},{"clause":"8(b)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-loan-bima-gcihlgp22111v032122/document/6119#c-8-b-2"},{"clause":"8(c)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-loan-bima-gcihlgp22111v032122/document/6119#c-8-c-2"},{"clause":"8(d)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-loan-bima-gcihlgp22111v032122/document/6119#c-8-d-2"}],"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 shall settle or reject the claim within 45 days from receipt of the last necessary document.","display":"15 days from last necessary document; 45 days where investigation is warranted","note":null,"quote":"The Company shall settle or reject a claim, as the case may be, within 15 days from the date of receipt of last necessary document. ... 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":"8(i)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-loan-bima-gcihlgp22111v032122/document/6119#c-8-i"},{"clause":"8(iii)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-loan-bima-gcihlgp22111v032122/document/6119#c-8-iii"}],"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 Insured Event arising on account of or in connection with any Pre-Existing Illness/ Disease.","Investigation & Evaluation- Code- Excl04","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","pregnancy or treatment traceable to pregnancy and childbirth, abortion, miscarriage","Self-employed persons","Any voluntary unemployment"],"display":"90-day critical illness waiting exclusion, pre-existing illness/disease, standard exclusions such as investigation, gender change, cosmetic surgery, hazardous sports, breach of law, alcohol/drug abuse, unproven treatments and infertility, plus war, pregnancy and Loss of Job exclusions","note":null,"quote":"Medical Expenses incurred for the listed Critical Illnesses diagnosed within 90 days of the commencement of the Policy. ... Any Insured Event arising on account of or in connection with any Pre-Existing Illness/ Disease. ... Investigation & Evaluation- Code- Excl04 ... Change-of-Gender treatments: Code- Excl07 ... Cosmetic or Plastic Surgery: Code- Excl08 ... Hazardous or Adventure sports: Code- Excl09 ... Breach of law: Code- Excl10 ... Code- Excl12 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 ... due to, or arising out of, or directly or indirectly connected with or traceable to, war, invasion, act of foreign enemy, hostilities ... arising out of or resulting directly or indirectly due to or as a consequence of pregnancy or treatment traceable to pregnancy and childbirth, abortion, miscarriage and its consequences ... Self-employed persons; ... Any voluntary unemployment;","sources":[{"clause":"I(a)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-loan-bima-gcihlgp22111v032122/document/6119#c-i-a"},{"clause":"I(b)","heading":"Change-of-Gender treatments","page":13,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-loan-bima-gcihlgp22111v032122/document/6119#c-i-b"},{"clause":"I(c)","heading":"Cosmetic or Plastic Surgery","page":13,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-loan-bima-gcihlgp22111v032122/document/6119#c-i-c"},{"clause":"I(d)","heading":"Hazardous or Adventure sports","page":14,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-loan-bima-gcihlgp22111v032122/document/6119#c-i-d"},{"clause":"I(e)","heading":"Breach of law","page":14,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-loan-bima-gcihlgp22111v032122/document/6119#c-i-e"},{"clause":"I(f)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-loan-bima-gcihlgp22111v032122/document/6119#c-i-f"},{"clause":"I(g)","heading":"Unproven Treatments","page":14,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-loan-bima-gcihlgp22111v032122/document/6119#c-i-g"},{"clause":"I(h)","heading":"Birth control, Sterility and Infertility","page":14,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-loan-bima-gcihlgp22111v032122/document/6119#c-i-h"},{"clause":"I(i)(i)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-loan-bima-gcihlgp22111v032122/document/6119#c-i-i-i"},{"clause":"I(i)(ii)","heading":"Exclusions applicable to Section I","page":15,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-loan-bima-gcihlgp22111v032122/document/6119#c-i-i-ii"},{"clause":"2","heading":null,"page":17,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-loan-bima-gcihlgp22111v032122/document/6119#c-2-2"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"For a grievance, contact the company through its website, toll-free numbers, email, courier to the Grievance Redressal Cell, or a branch grievance cell. If not satisfied, contact the grievance officer at GICGRO@generalicentral.com or call 7900197777 before approaching the Insurance Ombudsman.","display":"Contact the company/Grievance Redressal Cell first; then the grievance officer; then the Insurance Ombudsman if still not satisfied","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@gene2ralicentral.com Courier: Grievance Redressal Cell, Generali Central Insurance company limited. Unit No. 301, 3rd Floor Part, Building No. 8, Mindspace IT/ITES SEZ, MIDC Industrial Area, Airavali, Navi Mumbai, Thane District – 400 708. 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 GICGRO@generalicentral.com or call at: 7900197777","sources":[{"clause":"6","heading":"Redressal of Grievance","page":18,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-loan-bima-gcihlgp22111v032122/document/6119#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":"quote-verified","value":"For Critical Illness and Personal Accident, the benefit is the Loan Sanctioned Amount or Sum Assured opted, whichever is less. For Personal Accident, the sum insured for Accidental Death and Permanent Total Disability are the same.","display":"Loan Sanctioned Amount or Sum Assured opted, whichever is less","note":null,"quote":"Critical Illness Benefit | Loan Sanctioned Amount or Sum Assured opted whichever is less ... Personal Accident | Accidental Death | Loan Sanctioned Amount or Sum Assured opted whichever is less. Sum Insured for AD and PTD are same\nPermanent Total Disability | Loan Sanctioned Amount or Sum Assured opted whichever is less. Sum Insured for AD and PTD are same","sources":[{"clause":"Row 1","heading":"Critical Illness Benefit","page":27,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-loan-bima-gcihlgp22111v032122/document/6119#c-row-1-4"},{"clause":"Row 2","heading":"Personal Accident","page":27,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-loan-bima-gcihlgp22111v032122/document/6119#c-row-2-3"}],"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 Critical Illness insured events.","quote":"shall mean any illness, medical event or surgical procedure as specifically defined below whose signs or symptoms first commence more than 90 days after the commencement of Period of Insurance","sources":[{"clause":null,"heading":"1.1. Insured event","page":7,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-loan-bima-gcihlgp22111v032122/document/6119#c-1-1-insured-event"}],"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-stated","value":null,"display":null,"note":null,"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-stated","value":null,"display":null,"note":null,"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 in the migration clause but does not state a duration.","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 discusses migration to products of the same insurer and refers to portability/migration as per standard terms, 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 age of 70 years","note":"After age 70, the wording gives an option to migrate to Criticare to continue Critical Illness cover.","quote":"Your Policy shall be renewable up to age of 70 years, except on grounds of fraud, moral hazard or misrepresentation or non-cooperation by the insured.\nHowever the insured covered under this product will have an option to migrate to our Criticare (standalone critical illness product) to continue the cover for Critical Illness after the age of 70 years","sources":[{"clause":"6(b)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-loan-bima-gcihlgp22111v032122/document/6119#c-6-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":"quote-verified","value":"The total premium payable at renewal of the group policy may be loaded depending on the incurred claims ratio for the group.","display":"Yes, at group renewal based on incurred claims ratio","note":"This is group-level renewal loading based on the group incurred claims ratio.","quote":"The Total Premium payable at Renewal of the group Policy will be loaded at the following scale depending upon the incurred claims ratio for the entire group insured under the Group Loan Bima Policy for the preceding 3 completed years excluding the year immediately preceding the date of Renewal. ... Between 80% and 100% | 25\nBetween 101% and 125% | 55\nBetween 126% and 150% | 90\nBetween 151% and 175% | 120\nBetween 176% and 200% | 150\nOver 200% | Cover to be reviewed","sources":[{"clause":"21","heading":"Loading percentage for high claim ratio (Malus)","page":26,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-loan-bima-gcihlgp22111v032122/document/6119#c-21-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"quote-verified","value":["Investigation & Evaluation- Code- Excl04","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 Insured Event arising on account of or in connection with any Pre-Existing Illness/ Disease.","Any birth defects and external congenital Illness or condition.","Hormone replacement therapy.","Treatment by a family member and self-medication.","Any Illness, sickness or disease other than those specified as Critical Illnesses under this Policy;","Any Critical Illness diagnosed or which manifested prior to Policy Inception Date","Diagnosis outside India; unless reaffirmed by Specialist Medical Practitioner in India and subject to presentation of all Claim documents in English"],"display":"Standard exclusions printed include Excl04, Excl07, Excl08, Excl09, Excl10, Excl12, Excl16 and Excl17; product exclusions include pre-existing illness/disease, birth defects/external congenital illness, hormone replacement therapy, family/self-medication, non-specified illnesses, prior-manifested critical illness and diagnosis outside India unless reaffirmed in India","note":"The wording does not print every standard exclusion code from Excl04 to Excl18.","quote":"Investigation & Evaluation- Code- Excl04 ... Change-of-Gender treatments: Code- Excl07 ... Cosmetic or Plastic Surgery: Code- Excl08 ... Hazardous or Adventure sports: Code- Excl09 ... Breach of law: Code- Excl10 ... Code- Excl12 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 Insured Event arising on account of or in connection with any Pre-Existing Illness/ Disease. ... Any birth defects and external congenital Illness or condition. ... Hormone replacement therapy. ... Treatment by a family member and self-medication. ... Any Illness, sickness or disease other than those specified as Critical Illnesses under this Policy; ... Any claim with respect to any Critical Illness diagnosed or which manifested prior to Policy Inception Date ... Diagnosis outside India; unless reaffirmed by Specialist Medical Practitioner in India and subject to presentation of all Claim documents in English","sources":[{"clause":"I(a)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-loan-bima-gcihlgp22111v032122/document/6119#c-i-a"},{"clause":"I(b)","heading":"Change-of-Gender treatments","page":13,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-loan-bima-gcihlgp22111v032122/document/6119#c-i-b"},{"clause":"I(c)","heading":"Cosmetic or Plastic Surgery","page":13,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-loan-bima-gcihlgp22111v032122/document/6119#c-i-c"},{"clause":"I(d)","heading":"Hazardous or Adventure sports","page":14,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-loan-bima-gcihlgp22111v032122/document/6119#c-i-d"},{"clause":"I(e)","heading":"Breach of law","page":14,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-loan-bima-gcihlgp22111v032122/document/6119#c-i-e"},{"clause":"I(f)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-loan-bima-gcihlgp22111v032122/document/6119#c-i-f"},{"clause":"I(g)","heading":"Unproven Treatments","page":14,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-loan-bima-gcihlgp22111v032122/document/6119#c-i-g"},{"clause":"I(h)","heading":"Birth control, Sterility and Infertility","page":14,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-loan-bima-gcihlgp22111v032122/document/6119#c-i-h"},{"clause":"I(i)(ii)","heading":"Exclusions applicable to Section I","page":15,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-loan-bima-gcihlgp22111v032122/document/6119#c-i-i-ii"},{"clause":"I(i)(iv)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-loan-bima-gcihlgp22111v032122/document/6119#c-i-i-iv"},{"clause":"I(i)(vii)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-loan-bima-gcihlgp22111v032122/document/6119#c-i-i-vii"},{"clause":"I(i)(viii)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-loan-bima-gcihlgp22111v032122/document/6119#c-i-i-viii"},{"clause":"I(i)(ix)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-loan-bima-gcihlgp22111v032122/document/6119#c-i-i-ix"},{"clause":"I(i)(x)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-loan-bima-gcihlgp22111v032122/document/6119#c-i-i-x"},{"clause":"I(i)(xxvi)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-loan-bima-gcihlgp22111v032122/document/6119#c-i-i-xxvi"}],"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 may cancel by giving at least 15 days written notice. If no claim has been made, the company refunds premium on short-term rates for the unexpired policy period; for a 1-year policy the refund is 75% up to 1 month, 50% up to 3 months, 25% up to 6 months and no refund exceeding 6 months. Reducing sum insured refunds apply on full loan prepayment as per the table, with no refund for part prepayment, the last policy year, or where a claim has been admitted, lodged or any benefit availed.","display":"15 days notice; if no claim, short-term refund; 1-year policy refund is 75%, 50%, 25% or no refund by time on risk","note":"Long-term fixed sum insured and reducing sum insured refunds are given in separate tables by policy period, loan period and year.","quote":"The Insured Person may cancel this insurance by giving the Company at least 15 days written notice, and if no claim has been made then the Company shall refund premium on short term rates for the unexpired Policy Period as per the rates detailed below. ... Period on Risk | % of Premium to be Refunded\nUp to 1 Month | 75% of premium\nup to 3 Months | 50% of annual premium\nup to 6 Months | 25% of annual premium\nExceeding 6 Months | No refund ... In event of part prepayment of the Loan, no refunds of premium shall be made under this Policy. No refunds of premium will be made under the Policy during the last year of the Policy Period. ... no refunds of premium shall be made in respect of Cancellation where, any claim has been admitted or has been lodged or any benefit has been availed by the insured person under the policy.","sources":[{"clause":"17(c)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-loan-bima-gcihlgp22111v032122/document/6119#c-17-c"},{"clause":null,"heading":"For Fixed Sum Insured basis","page":23,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-loan-bima-gcihlgp22111v032122/document/6119#c-for-fixed-sum-insured-basis"},{"clause":null,"heading":"For Reducing Sum insured basis","page":23,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-loan-bima-gcihlgp22111v032122/document/6119#c-for-reducing-sum-insured-basis"}],"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":"23","heading":"Territorial Limits","page":26,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-loan-bima-gcihlgp22111v032122/document/6119#c-23-2"}],"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 a Grace Period in the renewal definition 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":"To be covered or get benefits, the insured should have attained at least 18 years and shall not have completed 65 years on the date of commencement of the policy period.","display":"At least 18 years and not completed 65 years","note":null,"quote":"Age Limit – To be eligible to be covered under the Policy or get any benefits under the Policy, the Insured should have attained the age of at least 18 years and shall not have completed the age of 65 years on the date of commencement of the Policy Period as applicable to such Insured.","sources":[{"clause":"6","heading":"Redressal of Grievance","page":18,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-loan-bima-gcihlgp22111v032122/document/6119#c-6-3"}],"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":["Loss of Job** (Optional Cover)"],"display":"Loss of Job, 3 EMIs payable corresponding to the loan insured","note":null,"quote":"Loss of Job is an optional benefit and insured is covered for 3 EMI of his/her loan over and above the sum insured for Critical Illness and Personal Accident sections. ... Loss of Job** (Optional Cover) | 3 EMIs payable corresponding to the loan insured","sources":[{"clause":"51(b)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-loan-bima-gcihlgp22111v032122/document/6119#c-51-b"},{"clause":"Row 3","heading":"Loss of Job** (Optional Cover)","page":27,"url":"https://indiainsurances.com/policy/generali-central-insurance/group-loan-bima-gcihlgp22111v032122/document/6119#c-row-3-3"}],"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":null,"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":"Pre-existing illness/disease is excluded rather than covered 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":"Group Loan Bima Policy Wordings","pages":29,"fetched_at":"2026-10-17 19:46:03+00","source_url":"https://www.generalicentralinsurance.com/downloads/commercial-insurance/group-loan-bima/policy-wording/group-loan-bima-policy-wording.pdf","url":"https://indiainsurances.com/policy/generali-central-insurance/group-loan-bima-gcihlgp22111v032122/document/6119"},{"kind":"wording","label":"Group Loan Bima (IRDAI copy)","pages":21,"fetched_at":"2026-10-20 01:50:16+00","source_url":"https://irdai.gov.in/documents/37343/931203/FGIHLGP22111V032122_HEALTH2088.pdf/e0ffb251-dc56-d669-237a-ac519c987bf9?version=1.1&t=1668841964843&download=true","url":"https://indiainsurances.com/policy/generali-central-insurance/group-loan-bima-gcihlgp22111v032122/document/27452"}],"versions":[{"uin":"FGIHLGP22111V032122","version":null,"approved_on":null},{"uin":"GCIHLGP22111V032122","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 Loan Bima (UIN GCIHLGP22111V032122), IndiaInsurances, https://indiainsurances.com/policy/generali-central-insurance/group-loan-bima-gcihlgp22111v032122"}