{"uin":"GCIHLGP24118V012324","name":"Disability Income Protection","url":"https://indiainsurances.com/policy/generali-central-insurance/disability-income-protection-gcihlgp24118v012324","insurer":{"slug":"generali-central-insurance","name":"Generali Central Insurance Company Limited","url":"https://indiainsurances.com/insurer/generali-central-insurance"},"line":"health","category":"group-health","category_name":"Group health","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"This is a group health disability income protection policy with Income Protection, Credit Card Minimum Amount Protection and Loan Protection sections, of which the proposer opts one. It covers occupational disability due to illness or injury anywhere in the world, with PED benefits excluded for 24 months and a non-credit term of 1 year or credit-linked term up to 5 years or the loan period, whichever is less.","analysis":{"state":"machine","analysed_at":"2026-10-19 19:59:29.120748+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":["Income Protection","Credit Card Minimum Amount Protection","Loan Protection"],"display":"Income Protection; Credit Card Minimum Amount Protection; Loan Protection","note":"The wording calls these sections and says the proposer needs to opt for any one section.","quote":"This Policy provides coverage for three sections, namely Income Protection, Credit Card Minimum Amount Protection and Loan Protection. The Proposer needs to opt for any one of these sections for the Insurance cover.","sources":[{"clause":null,"heading":"2 SCOPE OF COVER","page":7,"url":"https://indiainsurances.com/policy/generali-central-insurance/disability-income-protection-gcihlgp24118v012324/document/6115#c-2-scope-of-cover"}],"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":"Non Credit Linked Insurance Policy can be issued for 1 year. Credit Linked Insurance Policy can be issued for a maximum term of up to 5 years or up to the loan period, whichever is less.","display":"Non-credit linked: 1 year; credit-linked: up to 5 years or up to the loan period, whichever is less","note":null,"quote":"a) Non Credit Linked Insurance Policy - Such Policy can be issued for tenure of 1 year\nb) Credit Linked Insurance Policy - Such Policy can be issued for a maximum term of up to 5 years or up to the loan period, whichever is less.","sources":[{"clause":"4.2.10","heading":"Policy Period","page":14,"url":"https://indiainsurances.com/policy/generali-central-insurance/disability-income-protection-gcihlgp24118v012324/document/6115#c-4-2-10"}],"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":"The insured person or someone claiming on his or her behalf must inform the insurer in writing immediately and in any event within 15 days of any event likely to give rise to a claim.","display":"Immediately, and in any event within 15 days","note":null,"quote":"Insured Person or someone claiming on his/her behalf must inform Us in writing immediately and in any event within 15 days of any event likely to give rise to a claim under this Policy.","sources":[{"clause":"4.2.13.1","heading":"Claims Procedure","page":15,"url":"https://indiainsurances.com/policy/generali-central-insurance/disability-income-protection-gcihlgp24118v012324/document/6115#c-4-2-13-1"}],"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 signed by Insured/ Nominee along with completely filled Attending Physician’s Statement.","Photocopy of Policy Schedule /Certificate of Insurance","Copies of medical documents supporting the disability and treatment taken related to the same","Disability Certificate","Leave Records with seal and signature of Authorized signatory of the organization specifying the period of leave and reason for the same.","Photocopy of 12 months Salary slips/ Form 16/26/ITR as per insurer discretion confirming the loss of monthly income","A copy of the Termination Employment Letter from Employer (if applicable)","Letter from employer to certify that the Claimant is not being paid during the period of disability","Copy of Photo ID and Address Proof of Insured Member for whom Claim is lodged","Legal Heir Certificate containing affidavit and indemnity bond both duly signed by all legal heirs and notarized","Authorization Letter","Consultation papers for all past and ongoing treatments."],"display":"Claim form with Attending Physician’s Statement; policy schedule/certificate; medical and disability documents; employer/leave/income documents where applicable; ID/address proof; legal heir certificate if required; authorization letter if applicable; consultation papers","note":"The wording says this is an indicative list and additional documents may be asked for specific claims.","quote":"The Insured / Insured Person or his / legal representative as the case may be, is required to submit the following documents while lodging a claim under the Policy. The documents mentioned below are an indicative list. Additional documents may be asked, if required, for specific claims.\na) Duly completed Claim Form signed by Insured/ Nominee along with completely filled Attending Physician’s Statement.\ni) Claimant’s Statement - Please provide brief details of accident/illness and enclose with claim form.\nb) Photocopy of Policy Schedule /Certificate of Insurance\nc) Copies of medical documents supporting the disability and treatment taken related to the same i.Original Investigation Reports and copies of reports, X - Ray films supporting the accidental injury. Post-Operative X-ray films, if any\nd) Disability Certificate (Not mandatory - as per the discretion of the insurer)\ni) For Physical Disabilities related with separation of limbs or complete loss of organs - Copy of Disability Certificate issued by Orthopaedic Surgeon mentioning the type and percentage of disability.\nii) For Physical Disabilities NOT related with separation of limbs or complete loss of organs - Copy of Disability Certificate issued by a Government Doctor / Disability Board / Panel only\niii) For Non - Physical Disabilities - Copy of Disability Certificate issued by a Government Doctor / Disability Board / Panel only for the related specialty (e.g., Loss of memory, sense organs, vision, hearing etc.)\ne) In case of Employer Employee Group Policy\ni) Leave Records with seal and signature of Authorized signatory of the organization specifying the period of leave and reason for the same.\nii) Photocopy of 12 months Salary slips/ Form 16/26/ITR as per insurer discretion confirming the loss of monthly income\niii) A copy of the Termination Employment Letter from Employer (if applicable)\niv) Letter from employer to certify that the Claimant is not being paid during the period of disability\nf) Copy of Photo ID and Address Proof of Insured Member for whom Claim is lodged\ng) Legal Heir Certificate containing affidavit and indemnity bond both duly signed by all legal heirs and notarized (Mandatory if Nominee name is not mentioned on policy schedule/Certificate of Insurance).\nh) Authorization Letter - Authorization letter has to be submitted if you are authorizing another party to handle the claim (including collection of cheque) on your behalf.\ni) Consultation papers for all past and ongoing treatments.","sources":[{"clause":"4.2.13.2","heading":"Claims Documents","page":15,"url":"https://indiainsurances.com/policy/generali-central-insurance/disability-income-protection-gcihlgp24118v012324/document/6115#c-4-2-13-2"}],"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 the date of receipt of the last necessary document. If investigation is warranted, it shall complete the investigation not later than 30 days from the last necessary document and settle or reject the claim within 45 days from that date, with interest at 2% above the bank rate for delay.","display":"15 days from last necessary document; investigation cases within 45 days, with interest at 2% above bank rate for delay","note":"The same clause also states interest at 2% above the bank rate for delay in payment of a claim.","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. ... f) 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.\ng) ln case of delay beyond stipulated 45 days, the Company shall be liable to pay interest to the policyholder at a rate 2% above the bank rate from the date of receipt of last necessary document to the date of payment of claim.","sources":[{"clause":"4.2.13.3","heading":"Settlement of Claim","page":16,"url":"https://indiainsurances.com/policy/generali-central-insurance/disability-income-protection-gcihlgp24118v012324/document/6115#c-4-2-13-3"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Pre-Existing Disease – Benefits arising in respect of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 24 months","Intentional self-Injury (including but not limited to the use or misuse of any intoxicating drugs or alcohol) or attempted suicide.","Accident while under the influence of alcohol or drugs or other intoxicants","Participation in an actual or attempted felony, riot, crime, misdemeanor or civil commotion","Insured Person committing or attempting to commit a breach of law with criminal intent.","Whilst engaging in Aviation or Ballooning","Participating in motor racing or trial run as a driver, co-driver or passenger.","War (whether declared or not) and war like occurrence or invasion","Nuclear, chemical or biological attack or weapons","The Insured Person engaging in or taking part in armed forces service or operations","Bodily Injury caused by or arising from terrorism","Illness / Injury which results from voluntary organ donation surgery or its complications."],"display":"PED for 24 months; self-injury or attempted suicide; intoxication; felony/riot/crime/civil commotion; criminal breach of law; aviation/ballooning; motor racing; war; nuclear/chemical/biological attack or weapons; armed forces service; terrorism; organ donation surgery","note":"Terrorism exclusion has an exception where the policyholder is a victim of a terrorist act and is not abetting terrorism; intoxication exclusion has an exception where the insured person is not directly responsible for the injury or accident.","quote":"The following exclusions shall be applicable for all benefits. ... a) Pre-Existing Disease – Benefits arising in respect of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 24 months of continuous coverage since the insured is first enrolled in the policy, as specified in the Policy Schedule / Certificate of Insurance, of continuous coverage after the date of inception of the first policy with Us. ... a) Intentional self-Injury (including but not limited to the use or misuse of any intoxicating drugs or alcohol) or attempted suicide. ... b) Accident while under the influence of alcohol or drugs or other intoxicants except where the Insured Person is not directly responsible for the injury / accident though under the influence of intoxication. ... c) Participation in an actual or attempted felony, riot, crime, misdemeanor or civil commotion ... d) Insured Person committing or attempting to commit a breach of law with criminal intent. ... e) Whilst engaging in Aviation or Ballooning or whilst mounting into, dismounting from or traveling in any balloon or aircraft other than as passenger(fare paying or otherwise) in any duly licensed standard type of aircraft. ... f) Participating in motor racing or trial run as a driver, co-driver or passenger. ... g) War (whether declared or not) and war like occurrence or invasion, acts of foreign enemies, hostilities, civil war, rebellion, revolutions, insurrections, mutiny, military or usurped power, seizure, capture, arrest, restraints and detainment of all kinds. ... h) Nuclear, chemical or biological attack or weapons, contributed to, caused by, resulting from or from any other cause or event contributing concurrently or in any other sequence to the loss, claim or expense. ... i) The Insured Person engaging in or taking part in armed forces service or operations ... j) Bodily Injury caused by or arising from terrorism, except in case where the Policyholder is a victim of terrorist act and not abetting terrorism. ... k) Illness / Injury which results from voluntary organ donation surgery or its complications.","sources":[{"clause":null,"heading":"3 EXCLUSIONS","page":10,"url":"https://indiainsurances.com/policy/generali-central-insurance/disability-income-protection-gcihlgp24118v012324/document/6115#c-3-exclusions"},{"clause":"3.1(a)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/generali-central-insurance/disability-income-protection-gcihlgp24118v012324/document/6115#c-3-1-a"},{"clause":"3.2(a)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/generali-central-insurance/disability-income-protection-gcihlgp24118v012324/document/6115#c-3-2-a"},{"clause":"3.2(b)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/generali-central-insurance/disability-income-protection-gcihlgp24118v012324/document/6115#c-3-2-b"},{"clause":"3.2(c)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/generali-central-insurance/disability-income-protection-gcihlgp24118v012324/document/6115#c-3-2-c"},{"clause":"3.2(d)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/generali-central-insurance/disability-income-protection-gcihlgp24118v012324/document/6115#c-3-2-d"},{"clause":"3.2(e)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/generali-central-insurance/disability-income-protection-gcihlgp24118v012324/document/6115#c-3-2-e"},{"clause":"3.2(f)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/generali-central-insurance/disability-income-protection-gcihlgp24118v012324/document/6115#c-3-2-f"},{"clause":"3.2(g)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/generali-central-insurance/disability-income-protection-gcihlgp24118v012324/document/6115#c-3-2-g"},{"clause":"3.2(h)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/generali-central-insurance/disability-income-protection-gcihlgp24118v012324/document/6115#c-3-2-h"},{"clause":"3.2(i)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/generali-central-insurance/disability-income-protection-gcihlgp24118v012324/document/6115#c-3-2-i"},{"clause":"3.2(j)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/generali-central-insurance/disability-income-protection-gcihlgp24118v012324/document/6115#c-3-2-j"},{"clause":"3.2(k)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/generali-central-insurance/disability-income-protection-gcihlgp24118v012324/document/6115#c-3-2-k"}],"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":"The insured person may first contact the company through its website, toll-free numbers, email, courier to the Grievance Redressal Cell, or a branch grievance cell. If not satisfied, the insured person may contact the grievance officer before approaching the Insurance Ombudsman.","display":"Company grievance channels first; then grievance officer at GCIGRO@generalicentral.com / 7900197777; then Insurance Ombudsman","note":null,"quote":"In case of any grievance the Insured Person may contact the company through Website: https://generalicentralinsurance.com Toll Free: 1800-220-233 / 1860-500-3333 / 022-67837800 Email: GCIcare@generalicentral.com Courier: Grievance Redressal Cell, Generali Central Insurance Company 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 Insured 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":"4.1.6","heading":"Redressal of Grievance","page":12,"url":"https://indiainsurances.com/policy/generali-central-insurance/disability-income-protection-gcihlgp24118v012324/document/6115#c-4-1-6"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"not-stated","value":null,"display":null,"note":"The wording defines Sum Insured as the amount specified in the Policy Schedule/Certificate of Insurance, but does not state selectable cover amounts.","quote":null,"sources":[],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"not-stated","value":null,"display":null,"note":"The wording states a schedule-specified Qualifying Period before disability benefit payouts, but does not state a fixed initial waiting period for illness claims.","quote":null,"sources":[],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"quote-verified","value":{"unit":"months","amount":24},"display":"24 months","note":null,"quote":"a) Pre-Existing Disease – Benefits arising in respect of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 24 months of continuous coverage since the insured is first enrolled in the policy, as specified in the Policy Schedule / Certificate of Insurance, of continuous coverage after the date of inception of the first policy with Us.","sources":[{"clause":"3.1(a)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/generali-central-insurance/disability-income-protection-gcihlgp24118v012324/document/6115#c-3-1-a"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"not-stated","value":null,"display":null,"note":"No named illness or procedure-specific waiting period is stated in the wording.","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":"No list of illnesses or procedures with a specific waiting period is stated in the wording.","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 mentions transfer of Moratorium period credit, but the wording does not state a moratorium 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 defines portability but does not state a product portability procedure or right to move this policy 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":true,"display":"Lifelong for benefits under section 2.2 and 2.3; up to age 64 for section 2.1","note":"Income Protection under section 2.1 is not lifelong; lifelong renewal is stated only for Credit Card Minimum Amount Protection and Loan Protection under sections 2.2 and 2.3.","quote":"This policy shall be renewed for an Insured up to the age of 64 years for benefit under section 2.1 and lifelong for benefits under section 2.2 and 2.3.","sources":[{"clause":"4.2.6","heading":"Renewal","page":13,"url":"https://indiainsurances.com/policy/generali-central-insurance/disability-income-protection-gcihlgp24118v012324/document/6115#c-4-2-6"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"not-stated","value":null,"display":null,"note":"The wording does not state whether renewal premium can be increased because an insured person made a claim.","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":["Intentional self-Injury (including but not limited to the use or misuse of any intoxicating drugs or alcohol) or attempted suicide.","Accident while under the influence of alcohol or drugs or other intoxicants","Participation in an actual or attempted felony, riot, crime, misdemeanor or civil commotion","Insured Person committing or attempting to commit a breach of law with criminal intent.","Whilst engaging in Aviation or Ballooning","Participating in motor racing or trial run as a driver, co-driver or passenger.","War (whether declared or not) and war like occurrence or invasion","Nuclear, chemical or biological attack or weapons","The Insured Person engaging in or taking part in armed forces service or operations","Bodily Injury caused by or arising from terrorism","Illness / Injury which results from voluntary organ donation surgery or its complications."],"display":"Self-injury or attempted suicide; intoxication; felony/riot/crime/civil commotion; criminal breach of law; aviation/ballooning; motor racing; war; nuclear/chemical/biological attack or weapons; armed forces service; terrorism; organ donation surgery","note":"The wording does not use standard exclusion codes Excl04 to Excl18. Terrorism exclusion has an exception where the policyholder is a victim of a terrorist act and is not abetting terrorism; intoxication exclusion has an exception where the insured person is not directly responsible for the injury or accident.","quote":"We shall not be liable for payment of benefit in respect of an Occupational Disability under any Section of this Policy arising out of or howsoever related to any of the following: ... a) Intentional self-Injury (including but not limited to the use or misuse of any intoxicating drugs or alcohol) or attempted suicide. ... b) Accident while under the influence of alcohol or drugs or other intoxicants except where the Insured Person is not directly responsible for the injury / accident though under the influence of intoxication. ... c) Participation in an actual or attempted felony, riot, crime, misdemeanor or civil commotion ... d) Insured Person committing or attempting to commit a breach of law with criminal intent. ... e) Whilst engaging in Aviation or Ballooning or whilst mounting into, dismounting from or traveling in any balloon or aircraft other than as passenger(fare paying or otherwise) in any duly licensed standard type of aircraft. ... f) Participating in motor racing or trial run as a driver, co-driver or passenger. ... g) War (whether declared or not) and war like occurrence or invasion, acts of foreign enemies, hostilities, civil war, rebellion, revolutions, insurrections, mutiny, military or usurped power, seizure, capture, arrest, restraints and detainment of all kinds. ... h) Nuclear, chemical or biological attack or weapons, contributed to, caused by, resulting from or from any other cause or event contributing concurrently or in any other sequence to the loss, claim or expense. ... i) The Insured Person engaging in or taking part in armed forces service or operations ... j) Bodily Injury caused by or arising from terrorism, except in case where the Policyholder is a victim of terrorist act and not abetting terrorism. ... k) Illness / Injury which results from voluntary organ donation surgery or its complications.","sources":[{"clause":"3.2","heading":"Other Exclusions","page":10,"url":"https://indiainsurances.com/policy/generali-central-insurance/disability-income-protection-gcihlgp24118v012324/document/6115#c-3-2"},{"clause":"3.2(a)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/generali-central-insurance/disability-income-protection-gcihlgp24118v012324/document/6115#c-3-2-a"},{"clause":"3.2(b)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/generali-central-insurance/disability-income-protection-gcihlgp24118v012324/document/6115#c-3-2-b"},{"clause":"3.2(c)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/generali-central-insurance/disability-income-protection-gcihlgp24118v012324/document/6115#c-3-2-c"},{"clause":"3.2(d)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/generali-central-insurance/disability-income-protection-gcihlgp24118v012324/document/6115#c-3-2-d"},{"clause":"3.2(e)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/generali-central-insurance/disability-income-protection-gcihlgp24118v012324/document/6115#c-3-2-e"},{"clause":"3.2(f)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/generali-central-insurance/disability-income-protection-gcihlgp24118v012324/document/6115#c-3-2-f"},{"clause":"3.2(g)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/generali-central-insurance/disability-income-protection-gcihlgp24118v012324/document/6115#c-3-2-g"},{"clause":"3.2(h)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/generali-central-insurance/disability-income-protection-gcihlgp24118v012324/document/6115#c-3-2-h"},{"clause":"3.2(i)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/generali-central-insurance/disability-income-protection-gcihlgp24118v012324/document/6115#c-3-2-i"},{"clause":"3.2(j)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/generali-central-insurance/disability-income-protection-gcihlgp24118v012324/document/6115#c-3-2-j"},{"clause":"3.2(k)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/generali-central-insurance/disability-income-protection-gcihlgp24118v012324/document/6115#c-3-2-k"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"If the policyholder cancels, the policyholder must give 7 days notice in writing and the insurer refunds balance premium after retaining premium as per the short term scale: up to 1 month 25%, up to 3 months 40%, up to 6 months 75%, up to 9 months 90%, exceeding 9 months 100%. For policy periods exceeding one year, cancellation by the policyholder gets pro-rata refund for the time period for which cover is provided, subject to minimum retention of premium of 25%.","display":"7 days’ notice; refund after short-term scale retention, or pro-rata for policy period over 1 year subject to minimum 25% retention","note":"If renewing with the insurer and no claim has been made, the premium can be refunded on a pro-rata basis for the unexpired policy period.","quote":"If You wish to cancel this Policy You should give Us 7 days notice in writing. We shall refund You balance premium after retaining premium as per the short term scale for the unexpired Policy Period as shown below:\nPolicy Period | Premium Retained (% of annual rate)\nUp to 1 month | 25%\nUp to 3 months | 40%\nUp to 6 months | 75%\nUp to 9 months | 90%\nExceeding 9 months | 100%\nHowever if the client is renewing the policy with us and if no claim has been made, the premium can be refunded on pro-rata basis for unexpired policy period\nIn case the Policy Period exceeds one year, this Policy may be cancelled by Policyholder at any time by giving at least 7 days written notice to Us. We will refund premium on a pro-rata basis by reference to the time period for which the cover is provided, subject to a minimum retention of premium of 25%.","sources":[{"clause":"4.2.7(b)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/generali-central-insurance/disability-income-protection-gcihlgp24118v012324/document/6115#c-4-2-7-b"}],"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 cover is offered to residents of India and persons of Indian nationality, and covers occupational disability due to injury or illness sustained anywhere in the world.","display":"Anywhere in the World","note":"The policy is subject to Indian law and claim payments are made in Indian rupees within India only.","quote":"a) This cover is offered to Resident of India and persons of Indian Nationality\nb) We cover Occupational Disability due to an Injury or Illness sustained by the Insured Person during the Policy Period anywhere in the World.","sources":[{"clause":"4.2.11","heading":"Territorial Limits and Law","page":15,"url":"https://indiainsurances.com/policy/generali-central-insurance/disability-income-protection-gcihlgp24118v012324/document/6115#c-4-2-11"}],"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 renewal definition mentions a provision of grace period, but the wording 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":"Minimum entry age is 18 years and maximum entry age is 64 years on the date of commencement of the Policy Period.","display":"18 years to 64 years","note":null,"quote":"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 64 years, on the date of commencement of the Policy Period, as applicable to such Insured.","sources":[{"clause":"4.2.1","heading":"Age Limit (Entry Age)","page":12,"url":"https://indiainsurances.com/policy/generali-central-insurance/disability-income-protection-gcihlgp24118v012324/document/6115#c-4-2-1"}],"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":["Lump-Sum Disability Income (LDI)"],"display":"Lump-Sum Disability Income (LDI)","note":"The wording calls Lump-Sum Disability Income optional under the Income Protection section; it does not state the extra premium in the extracted wording.","quote":"This section provides cover for the following two benefits - A. Monthly Disability Income (MDI) – Mandatory benefit under this section B. Lump-Sum Disability Income (LDI)– Optional benefit under this section","sources":[{"clause":null,"heading":"Eligibility of the Person to be Insured","page":7,"url":"https://indiainsurances.com/policy/generali-central-insurance/disability-income-protection-gcihlgp24118v012324/document/6115#c-eligibility-of-the-person-to-be-insured"}],"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":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"Daily room limit, if any.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Childbirth cover and any waiting period.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"ped_cover_group","label":"Pre-existing diseases","section":"Waiting periods","meaning":"Whether pre-existing diseases are covered from day one for the group.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Disability Income Protection Policy Wordings","pages":20,"fetched_at":"2026-10-17 19:45:52+00","source_url":"https://www.generalicentralinsurance.com/downloads/commercial-insurance/disability-income-protection/policy-wording/disability-income-protection-group-policy-wording.pdf","url":"https://indiainsurances.com/policy/generali-central-insurance/disability-income-protection-gcihlgp24118v012324/document/6115"}],"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":"Disability Income Protection (UIN GCIHLGP24118V012324), IndiaInsurances, https://indiainsurances.com/policy/generali-central-insurance/disability-income-protection-gcihlgp24118v012324"}