{"uin":"GCIHLIP23052V032223","name":"Aarogya Bima","url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223","insurer":{"slug":"generali-central-insurance","name":"Generali Central Insurance Company Limited","url":"https://indiainsurances.com/insurer/generali-central-insurance"},"line":"health","category":"health-indemnity","category_name":"Health insurance (hospitalisation)","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Aarogya Bima is an indemnity health policy with individual or family floater sum insured options of ₹2 Lacs, ₹3 Lacs and ₹5 Lacs. It has Plan A, Plan B and Plan C with mandatory 10% co-payment, 30 days initial waiting, 36 months pre-existing disease waiting and lifelong renewal.","analysis":{"state":"machine","analysed_at":"2026-10-19 19:55:49.391516+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"],"display":"Plan A, Plan B and Plan C","note":null,"quote":"Plan options | 1. Plan A – with Mandatory co-payment of 10% 2. Plan B – with Mandatory co-payment of 10% and additional co-payment of 20% 3. Plan C – with Mandatory co-payment of 10% and additional co-payment of 30%","sources":[{"clause":null,"heading":"Aarogya Bima","page":20,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722#c-aarogya-bima"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"The policy can be issued for a tenure of 1 year, 2 years or 3 years.","display":"1 year, 2 years and 3 years","note":null,"quote":"Policy Period - The Policy can be issued for tenure of 1 year, 2 years and 3 years.","sources":[{"clause":null,"heading":"II. Specific General Terms and Clauses","page":14,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722#c-ii-specific-general-terms-and-clauses"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"For reimbursement claims, notification of claim must be given immediately and in any event within 48 hours of the commencement of the illness or injury. In case of death, the nominee or legal heir must inform the insurer immediately and send a post mortem report, if any, within 14 days.","display":"Immediately and within 48 hours of illness or injury; death intimation immediately and post mortem report within 14 days","note":"The 48-hour clause applies if pre-authorisation is denied, treatment is in a non-network hospital, or cashless is not used.","quote":"We must be given Notification of Claim in writing immediately and in any event within 48 hours of the commencement of the Illness or Injury. ... In the event of Your/Insured Person’s death, You/Insured Person’s nominee/legal heir claiming on his/her behalf must inform Us in writing immediately and send Us a copy of the post mortem report (if\nany) within 14 days.","sources":[{"clause":"13(XII)(b)(i)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722#c-13-xii-b-i"},{"clause":"13(XII)(k)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722#c-13-xii-k-2"}],"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":["claim form specified by Us duly completed and signed","first consultation letter","first prescription from the Medical Practitioner","original vouchers","original Hospital bills giving a detailed break up","Money receipt duly signed with a revenue stamp","birth/death certificate (as applicable)","original Hospital discharge card","all original laboratory and diagnostic test Reports","prescription and supporting medicine bill from the chemist","prescription, test reports and diagnostic centre bill"],"display":"Claim form, consultation letter, prescription, vouchers, hospital bills, money receipt, birth/death certificate, discharge card, diagnostic reports and supporting medicine/diagnostic bills","note":"Documents must be submitted within 15 days of discharge.","quote":"a) The claim form specified by Us duly completed and signed by the claimant or a family member; ... b) first consultation letter; ... c) first prescription from the Medical Practitioner; ... d) original vouchers; ... e) original Hospital bills giving a detailed break up of all expense heads mentioned in the bill; ... f) Money receipt duly signed with a revenue stamp; ... g) birth/death certificate (as applicable); ... h) the original Hospital discharge card; ... i) all original laboratory and diagnostic test Reports such as X-Ray, E.C.G, USG, MRI Scan, Haemogram etc; ... j) If medicines have been purchased in cash and if this has not been reflected in the Hospital bill, please enclose a prescription from the Medical Practitioner and the supporting medicine bill from the chemist; ... k) If diagnostic or radiology tests have been paid for in cash and it has not been reflected in the Hospital bill, please enclose a prescription from the Medical Practitioner advising the tests, the actual test reports and the bill from the diagnostic centre for the tests","sources":[{"clause":"13(XII)(a)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722#c-13-xii-a-5"},{"clause":"13(XII)(b)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722#c-13-xii-b-5"},{"clause":"13(XII)(c)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722#c-13-xii-c-3"},{"clause":"13(XII)(d)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722#c-13-xii-d-3"},{"clause":"13(XII)(e)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722#c-13-xii-e-2"},{"clause":"13(XII)(f)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722#c-13-xii-f-2"},{"clause":"13(XII)(g)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722#c-13-xii-g-2"},{"clause":"13(XII)(h)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722#c-13-xii-h-2"},{"clause":"13(XII)(i)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722#c-13-xii-i-2"},{"clause":"13(XII)(j)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722#c-13-xii-j-2"},{"clause":"13(XII)(k)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722#c-13-xii-k-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 required, it shall complete investigation within 30 days and settle or reject within 45 days from receipt of the last necessary document, with interest at 2% above bank rate for delay.","display":"15 days from last necessary document; investigation cases within 45 days","note":null,"quote":"i) 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. ... iii) 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. ... iv) 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":"13(XII)(d)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722#c-13-xii-d-4"}],"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- Excl 01","Specified disease/procedure waiting period- Code- Excl02","30 days waiting period Excl -03","Investigation & Evaluation- Code- Excl04","Rest Cure, rehabilitation and respite care- Code- Excl05","Change-of-Gender treatments: Code- Excl07","Cosmetic or Plastic Surgery: Code- Excl08","Hazardous or Adventure sports: Code- Excl09","Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof","Birth control, Sterility and Infertility","Maternity : Code Excl 18","Domiciliary hospitalisation, treatment received outside India"],"display":"Waiting periods for PED, specified diseases and first 30 days; standard exclusions such as investigation/evaluation, rest cure, cosmetic surgery, hazardous sports, substance abuse, infertility, maternity and domiciliary/outside India treatment","note":null,"quote":"Pre-Existing Disease- Excl 01 ... Specified disease/procedure waiting period- Code- Excl02 ... II. 30 days waiting period Excl -03 ... Investigation & Evaluation- Code- Excl04 ... Rest Cure, rehabilitation and respite care- Code- Excl05 ... d) Change-of-Gender treatments: Code- Excl07 ... e) Cosmetic or Plastic Surgery: Code- Excl08 ... f) Hazardous or Adventure sports: Code- Excl09 ... i) Code- Excl12 Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. ... n) Birth control, Sterility and Infertility: Code- Excl17 ... o) Maternity : Code Excl 18 ... aa) Domiciliary hospitalisation, treatment received outside India.","sources":[{"clause":"1","heading":"Waiting Periods","page":8,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722#c-1-3"},{"clause":null,"heading":"II. 30 days waiting period Excl -03","page":9,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722#c-ii-30-days-waiting-period-excl-03"},{"clause":"2","heading":"Standard Exclusions","page":9,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722#c-2-3"},{"clause":"2(b)(iv)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722#c-2-b-iv"},{"clause":"3","heading":"Specific Exclusions","page":10,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722#c-3-3"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact the company through its website, toll-free numbers, email, courier address or branch grievance cell. If not satisfied, contact the grievance officer at GCIGRO@generalicentral.com or 7900197777 before approaching the Insurance Ombudsman.","display":"Company grievance channels first; then Grievance Officer at GCIGRO@generalicentral.com / 7900197777","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. ... lf 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","sources":[{"clause":"13","heading":"Redressal of Grievance","page":13,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722#c-13-2"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"quote-verified","value":"The sum insured options are ₹ 200000/-, ₹ 300000/- and ₹ 500000/-, shown in the schedule as 2 Lacs, 3 Lacs and 5 Lacs.","display":"₹ 200000/-, ₹ 300000/-, ₹ 500000/-","note":null,"quote":"The sum insured that can be offered is ₹ 200000/-, ₹ 300000/-, ₹ 500000/-. ... Sum Insured options (in ₹) | 2 Lacs, 3 Lacs, 5 Lacs","sources":[{"clause":null,"heading":"VI. Sum Insured","page":12,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5726#c-vi-sum-insured"},{"clause":null,"heading":"Aarogya Bima","page":20,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722#c-aarogya-bima"}],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Does not apply to accident claims, if covered.","quote":"a) Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered.","sources":[{"clause":null,"heading":"II. 30 days waiting period Excl -03","page":9,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722#c-ii-30-days-waiting-period-excl-03"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"quote-verified","value":{"unit":"months","amount":36},"display":"36 months","note":"Coverage after 36 months is subject to the PED being declared at application and accepted by the insurer.","quote":"i) Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first policy with us.","sources":[{"clause":"1","heading":"Waiting Periods","page":8,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722#c-1-3"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"quote-verified","value":{"unit":"months","amount":24},"display":"24 months","note":"If a listed condition is also pre-existing, the longer waiting period applies.","quote":"i) Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the first policy with us. This exclusion shall not be applicable for claims arising due to an accident.","sources":[{"clause":"1","heading":"Waiting Periods","page":8,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722#c-1-3"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"quote-verified","value":["Cataract","Para nasal sinuses","Surgery on ears/ tonsils/ adenoids","Deviated Nasal Septum","Hernia","Hydrocele","Fistula/ Fissure in Ano and Hemorrhoids","Benign Prostatic Hypertrophy","Stones in the Urinary and Biliary systems","All treatments for Uterine Prolapse, Dysfunctional Uterine Bleeding, Fibromyoma, Endometriosis, Hysterectomy","Arthroscopic repair/ removal [other than caused by an accident]","Joint replacement Surgery due to Degenerative condition","Age related Osteoarthritis and Osteoporosis unless such joint replacement Surgery is necessitated by accidental Bodily Injury","All internal or external Tumors/ Cysts/ Nodules/ Polyps of any kind including breast lumps with exception of malignant tumour or growth","Degenerative disc, vertebral diseases and prolapse of intervertebral disc (other than caused by accident)","Varicose Veins and Varicose Ulcers"],"display":"Cataract, para nasal sinuses, ear/tonsil/adenoid surgery, DNS, hernia, hydrocele, fistula/fissure/hemorrhoids, BPH, urinary/biliary stones, specified gynaecology conditions, arthroscopic repair/removal, degenerative joint replacement, age-related osteoarthritis/osteoporosis, tumours/cysts/nodules/polyps, degenerative disc/vertebral disease and varicose veins/ulcers","note":null,"quote":"I) Waiting period of 24 months:\ni) Cataract\nii) Para nasal sinuses\niii) Surgery on ears/ tonsils/ adenoids\niv) Deviated Nasal Septum\nv) Hernia\nvi) Hydrocele\nvii) Fistula/ Fissure in Ano and Hemorrhoids\nviii) Benign Prostatic Hypertrophy\nix) Stones in the Urinary and Biliary systems\nx) All treatments for Uterine Prolapse, Dysfunctional Uterine Bleeding, Fibromyoma, Endometriosis, Hysterectomy\nxi) Arthroscopic repair/ removal [other than caused by an accident],\nxii) Joint replacement Surgery due to Degenerative condition\nxiii) Age related Osteoarthritis and Osteoporosis unless such joint replacement Surgery is necessitated by accidental Bodily Injury\nxiv) All internal or external Tumors/ Cysts/ Nodules/ Polyps of any kind including breast lumps with exception of malignant tumour or growth\nxv) Degenerative disc, vertebral diseases and prolapse of intervertebral disc (other than caused by accident)\nxvi) Varicose Veins and Varicose Ulcers.","sources":[{"clause":"1","heading":"Waiting Periods","page":8,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722#c-1-3"}],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"quote-verified","value":{"unit":"months","amount":60},"display":"sixty continuous months","note":"For enhanced sum insured, sixty continuous months applies from the date of enhancement only on the enhanced limits.","quote":"After completion of sixty continuous months of coverage (including portability and migration) in health insurance policy, no policy and claim shall be contestable by the insurer on grounds of non-disclosure, misrepresentation, except on grounds of established fraud. This period of sixty continuous months is called as moratorium period.","sources":[{"clause":"10","heading":"Moratorium Period","page":13,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722#c-10-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"quote-verified","value":"The insured person can port the policy to another insurer at renewal by applying at least 30 days before, but not earlier than 60 days from, the renewal due date. Credit for prior coverage, including waiting periods and moratorium period, is transferred to the extent specified.","display":"Porting allowed at renewal; apply at least 30 days before but not earlier than 60 days from renewal due date","note":null,"quote":"The insured person will have the option to port the policy to other insurers at the time of renewal by applying to such insurer to port the entire policy along with all the members of the family, if any, at least 30 days before, but not earlier than 60 days from the due date for renewal as per IRDAI guidelines related to portability. ... then the credit gained to the extent of the Sum Insured, No Claim Bonus, Specific Waiting periods, waiting period for pre-existing diseases, Moratorium period etc. in the previous policy, shall be transferred from the existing Insurer to Our Company.","sources":[{"clause":"4","heading":"Portability","page":12,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722#c-4-2"}],"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":"Renewable lifelong","note":null,"quote":"viii) Aarogya Bima Policy shall be renewable lifelong","sources":[{"clause":null,"heading":"C. Conditions for renewal of the contract","page":19,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722#c-c-conditions-for-renewal-of-the-contract"}],"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":"No loading applies on renewals based on individual claims experience.","display":"No loading on renewals based on individual claims experience","note":null,"quote":"vii) No loading shall apply on renewals based on individual claims experience","sources":[{"clause":null,"heading":"C. Conditions for renewal of the contract","page":19,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722#c-c-conditions-for-renewal-of-the-contract"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The policyholder may cancel by giving 7 days written notice. For a one-year single-instalment policy, refund is 75% up to one month, 50% up to three months, 25% up to six months and nil after six months; no refund is made if any claim has been admitted or lodged or any benefit availed.","display":"7 days written notice; one-year single instalment refund 75% up to one month, 50% up to three months, 25% up to six months, Nil after six months","note":"Different refund tables apply for policy periods exceeding one year and for monthly, quarterly or half-yearly instalment premium.","quote":"The policyholder may cancel this policy by giving 7 days written notice and in such an event, the Company shall refund premium for the unexpired policy period as detailed below ... Period on risk | Rate of premium refunded\nUp to one month | 75% of annual rate\nUp to three months | 50% of annual rate\nUp to six months | 25% of annual rate\nExceeding six months | Nil ... II. Notwithstanding anything contained herein or otherwise, 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":"13(XII)(d)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722#c-13-xii-d"},{"clause":null,"heading":"A. Premium paid in Single Instalment","page":15,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722#c-a-premium-paid-in-single-instalment"},{"clause":"13(XII)(b)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722#c-13-xii-b-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"The policy covers accidental bodily injury or sickness sustained anywhere in India, and all medical or surgical treatment and investigations must be taken in India.","display":"Anywhere in India; treatment must be taken in India","note":null,"quote":"a) We cover Accidental Bodily Injury or sickness sustained by the Insured Person during the Policy Period anywhere in India. ... b) All medical/ surgical treatments including investigations under this policy shall have to be taken in India and admissible claims thereof shall be payable in Indian currency (Indian Rupees).","sources":[{"clause":"13(XII)(a)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722#c-13-xii-a"},{"clause":"13(XII)(b)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722#c-13-xii-b"}],"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":"quote-verified","value":{"unit":"days","amount":30},"display":"thirty days","note":"Applies to new individual health insurance policies, not renewals or porting/migration.","quote":"The insured person shall be allowed free look period of thirty days from date of receipt of the policy document to review the terms and conditions of the policy, and to return the same if not acceptable.","sources":[{"clause":"3","heading":"Free Look Period","page":11,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722#c-3-4"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"15 days for monthly mode; 30 days in all other cases","note":"For renewal, the policy also says it can be renewed within the Grace Period of 30 days to maintain continuity.","quote":"The grace period for payment of the premium for all types of insurance policies shall be: fifteen days where premium payment mode is monthly and thirty days in all other cases.","sources":[{"clause":"18","heading":"Grace period","page":3,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722#c-18"}],"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 age at entry is 1 day and maximum age at entry is 70 years. In the schedule, proposer entry age is 18 years to 70 years and child entry age is from birth to 25 years.","display":"1 day to 70 years; proposer 18 years – 70 years; child From birth – 25 years","note":null,"quote":"You are eligible to enter this Policy if Your age is between 1 day to 70 years with lifelong renewability. ... Entry age of Proposer | 18 years – 70 years\nEntry age of Child | From birth – 25 years","sources":[{"clause":null,"heading":"PREAMBLE","page":1,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722#c-preamble"},{"clause":null,"heading":"Aarogya Bima","page":20,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722#c-aarogya-bima"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["Single Instalment","Half Yearly","Quarterly","Monthly"],"display":"Single Instalment; Half Yearly, Quarterly or Monthly","note":"Monthly, quarterly and half-yearly instalment options carry loadings on standard premium.","quote":"A. Premium paid in Single Instalment ... lf the insured person has opted for Payment of Premium on an instalment basis i.e. Half Yearly, Quarterly or Monthly, as mentioned in the policy Schedule/Certificate of insurance","sources":[{"clause":null,"heading":"A. Premium paid in Single Instalment","page":15,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722#c-a-premium-paid-in-single-instalment"},{"clause":"13(XII)(b)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722#c-13-xii-b-2"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"quote-verified","value":"Coverage is not available during the renewal grace period. However, the grace period definition says the insurer shall offer coverage during the grace period if premium is paid in instalments during the policy period.","display":"Renewal grace: coverage is not available; instalment premium grace: coverage offered","note":"The two statements apply to different contexts: renewal grace period and instalment premium during the policy period.","quote":"vi) Coverage is not available during the grace period. ... Provided the insurer shall offer coverage during the grace period, if the premium is paid in installments during policy period.","sources":[{"clause":null,"heading":"C. Conditions for renewal of the contract","page":19,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722#c-c-conditions-for-renewal-of-the-contract"},{"clause":"18","heading":"Grace period","page":3,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722#c-18"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for the hospital room, or the room category allowed. If you take a costlier room, other bills can be cut in proportion.","status":"quote-verified","value":"Room, boarding and nursing expenses are covered up to 1% of the sum insured per day or actual, whichever is lower. The schedule shows applicable room rent of ₹2000, ₹3000 and ₹5000 for sum insured ₹200000, ₹300000 and ₹500000 respectively.","display":"Up to 1% of Sum Insured per day; ₹2000 / ₹3000 / ₹5000 for ₹200000 / ₹300000 / ₹500000 SI","note":null,"quote":"Room, Boarding and Nursing Expenses as provided by the Hospital/ Nursing Home up to 1% of Sum Insured per day or actual, whichever is lower. ... Sum insured (in ₹) | 200000 | 300000 | 500000\nApplicable limit on the sum insured | 1% | 1% | 1%\nApplicable room rent | 2000 | 3000 | 5000","sources":[{"clause":"1","heading":"Room rent, Board & Nursing Expenses as provided by the Hospital/ Nursing Home","page":7,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722#c-1-2"}],"law":[]},{"key":"room_category","label":"Room category allowed","section":"Limits and co-pay","meaning":"Shared room, single private room or any room, by plan, when the limit is a room type rather than a rupee amount.","status":"not-applicable","value":null,"display":null,"note":"The product states a room rent limit as 1% of Sum Insured per day, not an allowed room category.","quote":null,"sources":[],"law":[]},{"key":"icu_limit","label":"ICU limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for intensive care.","status":"quote-verified","value":"If the insured person is admitted only in ICU for the entire hospitalisation, the insurer pays up to actual expenses and no co-payment applies. Co-payment is not applicable for admission in an ICU room having room rent more than the defined limit.","display":"ICU up to actual expenses; no co-payment","note":null,"quote":"Co-payment is not applicable in case of admission in an ICU room having room rent more than the defined limit. ... If a person is admitted only in ICU during entire hospitalisation, we will pay up to actual expenses and no co-payment shall apply.","sources":[{"clause":"1","heading":"Room rent, Board & Nursing Expenses as provided by the Hospital/ Nursing Home","page":7,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722#c-1-2"}],"law":[]},{"key":"proportionate_deduction","label":"Proportionate deduction","section":"Limits and co-pay","meaning":"If you choose a room above your limit, whether the insurer reduces associated charges (doctor fees, tests, procedures) by the same proportion.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"copay","label":"Co-payment","section":"Limits and co-pay","meaning":"The share of every admissible claim you pay yourself, and when it applies (age, zone, choice of hospital).","status":"quote-verified","value":"A mandatory 10% co-payment applies on each and every claim on the admissible hospitalisation bill, excluding pre and post hospitalisation. Plan B has an additional 20% co-payment and Plan C has an additional 30% co-payment; a 15% co-payment also applies for higher non-ICU room rent.","display":"10% mandatory co-payment; Plan B additional 20%; Plan C additional 30%; 15% for higher non-ICU room rent","note":"Plan options state Plan A has mandatory 10%, Plan B has mandatory 10% plus additional 20%, and Plan C has mandatory 10% plus additional 30%.","quote":"a) Mandatory co-payment – 10% co-payment is applicable on each and every claim on the admissible hospitalisation bill, excluding claim related to pre and post hospitalisation.\nb) Optional co-payment – You have the option to choose additional co-payment of 20% or 30% on each and every claim on the admissible hospitalisation bill, excluding claim related to pre and post hospitalisation. ... above 2000 to 3000 | 15% | 0% | 0%","sources":[{"clause":null,"heading":"II. Specific General Terms and Clauses","page":14,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722#c-ii-specific-general-terms-and-clauses"},{"clause":"1","heading":"Room rent, Board & Nursing Expenses as provided by the Hospital/ Nursing Home","page":7,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722#c-1-2"}],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"An amount of each claim or each year that you bear before the policy pays.","status":"quote-verified","value":"Deductible is not applicable.","display":"Not Applicable","note":"The policy wording contains only a general definition of deductible; the CIS states it is not applicable.","quote":"iii. Deductible- (It is a specified amount | Not Applicable | Not Applicable","sources":[{"clause":null,"heading":"AAROGYA BIMA","page":1,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5723#c-aarogya-bima-2"}],"law":[]},{"key":"disease_sublimits","label":"Disease or procedure sub-limits","section":"Limits and co-pay","meaning":"Caps on what is paid for named treatments (cataract, knee replacement...), even if the sum insured is higher.","status":"quote-verified","value":["Uterine Artery Embolization and HIFU - 50% of the sum insured","Balloon Sinuplasty - 50% of the sum insured","Deep Brain stimulation - 50% of the sum insured","Oral chemotherapy - 50% of the sum insured","Immunotherapy- Monoclonal Antibody to be given as injection - 50% of the sum insured","Intra vitreal injections - 50% of the sum insured","Robotic surgeries - 50% of the sum insured","Stereotactic radio surgeries - 50% of the sum insured","Bronchical Thermoplasty - 50% of the sum insured","Vaporisation of the prostrate (Green laser treatment or holmium laser treatment) - 50% of the sum insured","IONM - (Intra Operative Neuro Monitoring) - 50% of the sum insured","Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered - 50% of the sum insured"],"display":"Modern treatment methods and advancements in technologies are restricted to 50% of the sum insured per policy period","note":"The wording presents these as mandatory sub-limits for modern treatment methods and advancement in technologies, applicable to all plans.","quote":"The Medical Expenses incurred for the below listed treatments or procedures, as inpatient or as day care treatment (inclusive of pre and post hospitalization), is restricted to 50% of the sum insured opted, per policy period. ... I) Uterine Artery Embolization and HIFU II) Balloon Sinuplasty III) Deep Brain stimulation IV) Oral chemotherapy V) Immunotherapy- Monoclonal Antibody to be given as injection VI) Intra vitreal injections VII) Robotic surgeries VIII) Stereotactic radio surgeries IX) Bronchical Thermoplasty X) Vaporisation of the prostrate (Green laser treatment or holmium laser treatment) XI) IONM - (Intra Operative Neuro Monitoring) XII) Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered","sources":[{"clause":null,"heading":"II. Specific General Terms and Clauses","page":14,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722#c-ii-specific-general-terms-and-clauses"}],"law":[]},{"key":"pre_hospitalisation","label":"Pre-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days before admission that are paid if related to the hospitalisation.","status":"quote-verified","value":{"unit":"days","amount":60},"display":"up to 60 days","note":"Pre and post hospitalisation combined expenses are limited to 2% of the sum insured per hospitalisation.","quote":"Pre-Hospitalisation Medical Expenses – We shall pay for Medical expenses incurred with respect to the Insured Person for up to 60 days immediately prior to date of admission of Insured Person into the Hospital, provided that We have accepted a claim for Inpatient- Hospitalisation Expenses","sources":[{"clause":"4","heading":"Pre-Hospitalisation Medical Expenses","page":8,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722#c-4"}],"law":[]},{"key":"post_hospitalisation","label":"Post-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days after discharge that are paid if related to the hospitalisation.","status":"quote-verified","value":{"unit":"days","amount":90},"display":"up to 90 days","note":"Pre and post hospitalisation combined expenses are limited to 2% of the sum insured per hospitalisation.","quote":"Post-Hospitalisation Medical expenses – We shall pay for Medical expenses incurred with respect to the Insured Person for up to 90 days after the date of discharge of Insured Person from the Hospital, provided that We have accepted a claim for Inpatient- Hospitalisation Expenses","sources":[{"clause":"5","heading":"Post-Hospitalisation Medical expenses","page":8,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722#c-5"}],"law":[]},{"key":"day_care","label":"Day-care treatments","section":"Cover","meaning":"Treatments needing less than 24 hours in hospital (chemotherapy, dialysis, cataract) and whether all or only listed ones are covered.","status":"quote-verified","value":"Day care expenses are covered for treatments requiring less than 24 hours of hospitalisation as per the attached list. The day care list also says any other surgeries or procedures agreed by the insurer that require less than 24 hours hospitalisation due to advancement in technology are covered.","display":"Covered for listed day care treatments requiring less than 24 hours, plus other agreed surgeries/procedures due to advancement in technology","note":null,"quote":"Day Care expenses – We shall pay for expenses incurred under Day Care Treatment requiring less than 24 hours of Hospitalisation as per the attached list. ... Day Care In addition to Day Care list We would also cover any other surgeries/ procedures agreed by Us in a Hospital or a Day care centre which require less than 24 hours Hospitalisation for inpatient care due to subsequent advancement in technology.","sources":[{"clause":"6","heading":"Day Care expenses","page":8,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722#c-6-2"},{"clause":"F","heading":"DAY CARE LIST","page":22,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722#c-f"}],"law":[]},{"key":"domiciliary","label":"Treatment at home","section":"Cover","meaning":"Whether treatment at home is covered when hospital admission is not possible or a doctor advises it.","status":"quote-verified","value":"Domiciliary hospitalisation is excluded.","display":"Domiciliary hospitalisation excluded","note":null,"quote":"aa) Domiciliary hospitalisation, treatment received outside India.","sources":[{"clause":"3","heading":"Specific Exclusions","page":10,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722#c-3-3"}],"law":[]},{"key":"ayush","label":"AYUSH treatment","section":"Cover","meaning":"Ayurveda, Yoga, Unani, Siddha and Homeopathy treatment in a recognised hospital, and any limit.","status":"quote-verified","value":"Hospitalisation due to accident and illnesses under AYUSH systems of medicine is covered. Preventive and rejuvenation treatments that are non-curative are not covered.","display":"AYUSH hospitalisation covered; preventive and rejuvenation non-curative treatments not covered","note":null,"quote":"Expenses incurred on hospitalization due to accident and illnesses under AYUSH system of medicine shall be covered. However, all preventive and rejuvenation treatments which are non-curative in nature shall not be covered.","sources":[{"clause":"13(XII)(k)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722#c-13-xii-k"}],"law":[{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 1","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 2","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 1","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II A.I(1)","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"modern_treatments","label":"Modern treatments","section":"Cover","meaning":"Robotic surgery, immunotherapy, oral chemotherapy, stem cell therapy and the like, and any cap on them.","status":"quote-verified","value":"Modern treatment methods and advancements in technologies listed in the policy are covered as inpatient or day care treatment, inclusive of pre and post hospitalisation, restricted to 50% of the sum insured per policy period.","display":"Covered up to 50% of the sum insured per policy period","note":"Listed procedures include robotic surgeries, oral chemotherapy, immunotherapy, stereotactic radio surgeries and specified stem cell therapy.","quote":"Mandatory Sub limits for Modern Treatment Methods and Advancement in Technologies The Medical Expenses incurred for the below listed treatments or procedures, as inpatient or as day care treatment (inclusive of pre and post hospitalization), is restricted to 50% of the sum insured opted, per policy period. These Sub limits are applicable for all Plans under the product.","sources":[{"clause":null,"heading":"II. Specific General Terms and Clauses","page":14,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722#c-ii-specific-general-terms-and-clauses"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 2","url":"https://indiainsurances.com/law/irdai-health-mc-2024"}]},{"key":"organ_donor","label":"Organ donor expenses","section":"Cover","meaning":"Whether the donor's hospital costs for an organ transplant are paid.","status":"quote-verified","value":"Donor screening, donor treatment, surgery to remove organs from the donor, donor pre and post hospitalisation and other donor medical treatment consequent to surgery are not paid.","display":"Donor expenses excluded","note":null,"quote":"x) Expenses related to donor screening, treatment, including Surgery to remove organs from the donor in case of a transplant Surgery. We will also not pay donor’s pre and post Hospitalisation expenses or any other medical treatment for the donor consequent to Surgery.","sources":[{"clause":"3","heading":"Specific Exclusions","page":10,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722#c-3-3"}],"law":[]},{"key":"ambulance","label":"Ambulance cover","section":"Cover","meaning":"Road (and air) ambulance cover and its limit.","status":"quote-verified","value":"Ambulance is listed among items for which coverage is not available in the policy.","display":"Ambulance not covered","note":"The wording does not state any separate road or air ambulance benefit.","quote":"List I – Items for which coverage is not available in the Policy ... 67. | AMBULANCE","sources":[{"clause":"Annexure 1","heading":null,"page":29,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722#c-annexure-1"}],"law":[]},{"key":"restoration","label":"Restoration of sum insured","section":"Cover","meaning":"Whether the sum insured is refilled after it is used up in a year, how much, how often, and whether it works for the same illness.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"no_claim_bonus","label":"No-claim or cumulative bonus","section":"Cover","meaning":"How much the cover grows each year, the maximum, whether it depends on not claiming, and what happens after a claim.","status":"not-stated","value":null,"display":null,"note":"The documents mention transfer of No Claim Bonus credit during portability/migration, but do not state a no-claim or cumulative bonus benefit under this product.","quote":null,"sources":[],"law":[]},{"key":"consumables","label":"Consumables and non-medical items","section":"Cover","meaning":"Gloves, PPE, syringes and other items hospitals bill that standard policies exclude; whether this policy pays them.","status":"quote-verified","value":"Consumables and non-medical items are not broadly covered. Annexure 1 lists items for which coverage is not available, including gloves, masks and other non-medical items.","display":"Non-medical items including GLOVES and MASK are not covered","note":"Some listed items are stated to be subsumed into room charges, procedure charges or cost of treatment rather than separately payable.","quote":"List I – Items for which coverage is not available in the Policy ... 56. | GLOVES ... 60. | MASK ... ee) Standard list of excluded items as mentioned in Annexure 1 and our website https://generalicentralinsurance.com","sources":[{"clause":"Annexure 1","heading":null,"page":29,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722#c-annexure-1"},{"clause":"3","heading":"Specific Exclusions","page":10,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722#c-3-3"}],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Whether childbirth costs are covered, the limit and the waiting period.","status":"quote-verified","value":"Maternity is excluded except ectopic pregnancy. Miscarriage is excluded unless due to an accident, and lawful medical termination of pregnancy during the policy period is excluded.","display":"Maternity excluded except ectopic pregnancy; miscarriage excluded unless due to accident","note":null,"quote":"o) Maternity : Code Excl 18\ni. Medical treatment expenses traceable to child birth (including complicated deliveries and caesarean section incurred during hospitalization) except ectopic pregnancy;\nii. Expenses towards miscarriage (unless due to an accident) and lawful medical termination of pregnancy during policy period.","sources":[{"clause":"2(b)(iv)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722#c-2-b-iv"}],"law":[]},{"key":"newborn","label":"Newborn baby cover","section":"Cover","meaning":"Whether a newborn is covered from birth and for what.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"mental_illness","label":"Mental illness","section":"Cover","meaning":"Cover for in-patient treatment of mental illness.","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 3","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch III I","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(4)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 2(1)(s)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(1)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"}]},{"key":"health_checkup","label":"Health check-up","section":"Cover","meaning":"Free preventive check-ups and how often.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"opd","label":"Out-patient (OPD) cover","section":"Cover","meaning":"Doctor consultations, tests and medicines without admission, and the limit.","status":"quote-verified","value":"Outpatient diagnostic, medical and surgical procedures or OPD treatments are excluded.","display":"OPD treatments excluded","note":null,"quote":"y) Outpatient Diagnostic, Medical and Surgical Procedures or OPD treatments, non-prescribed drugs and medical supplies, Hormone replacement therapy, Sex change or treatment which results from or is in any way related to sex change.","sources":[{"clause":"3","heading":"Specific Exclusions","page":10,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722#c-3-3"}],"law":[]},{"key":"zone_pricing","label":"Zone or city-based premium","section":"Premium","meaning":"Whether premium or co-pay depends on the city you are treated in.","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":"quote-verified","value":"Cashless treatment is available only at a Network Provider, after a pre-authorisation request. If the procedure is followed, the insured will not be required to directly pay the medical expenses the insurer is liable to indemnify.","display":"Cashless treatment only at a Network Provider","note":"Pre-authorisation does not guarantee that all costs and expenses incurred will be covered.","quote":"a) Cashless treatment is only available at a Network Provider. In order to avail cashless treatment, the following procedure must be followed by You: ... If the above procedure is followed, You will not be required to directly pay for those Medical Expenses to the Network Provider that We are liable to indemnify under this Policy.","sources":[{"clause":"13(XII)(a)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722#c-13-xii-a-4"},{"clause":"13(XII)(a)(iv)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722#c-13-xii-a-iv"}],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"quote-verified","value":"Claims are handled by Claims Department Generali Central Health (GCH), Generali Central Insurance Co. Ltd.","display":"Claims Department Generali Central Health (GCH), Generali Central Insurance Co. Ltd.","note":null,"quote":"Claims Department Generali Central Health (GCH) Generali Central Insurance Co. Ltd. Qubix Business Park, Building No. Block IT – 1, Ground Floor, Plot No. 2, Blueridge Township, Near Rajiv Gandhi Infotech Park, Phase – 1, Village Hinjawadi, Taluka Mulshi, Pune, Maharashtra - 411057.","sources":[{"clause":null,"heading":"In case of any claims contact","page":28,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722#c-in-case-of-any-claims-contact"}],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"quote-verified","value":true,"display":"Individual/ Family Floater","note":null,"quote":"Individual/ Family Floater Sum Insured options | Individual/ Family Floater ... Family Floater means a Policy described as such in the Schedule where under You and Your Dependents named in the Schedule are insured under this Policy as at the Commencement Date.","sources":[{"clause":null,"heading":"Aarogya Bima","page":20,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722#c-aarogya-bima"},{"clause":"52","heading":"Family Floater","page":6,"url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722#c-52"}],"law":[]}],"documents":[{"kind":"wording","label":"Aarogya Bima Policy Wordings","pages":34,"fetched_at":"2026-10-17 19:31:33+00","source_url":"https://www.generalicentralinsurance.com/downloads/health-insurance/future-aarogya-bima/policy-wording/aarogya_bima_policy_wordings.pdf","url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5722"},{"kind":"prospectus","label":"Aarogya Bima Prospectus Form","pages":33,"fetched_at":"2026-10-17 19:31:36+00","source_url":"https://www.generalicentralinsurance.com/downloads/health-insurance/future-aarogya-bima/prospectus-forms/aarogya_%20bima_prospectus.pdf","url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5726"},{"kind":"cis","label":"Aarogya Bima Customer Information Sheet","pages":9,"fetched_at":"2026-10-17 19:31:38+00","source_url":"https://www.generalicentralinsurance.com/downloads/health-insurance/future-aarogya-bima/customer-information-sheet/aarogya-bima-personalised-cis.pdf","url":"https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223/document/5723"}],"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":"Aarogya Bima (UIN GCIHLIP23052V032223), IndiaInsurances, https://indiainsurances.com/policy/generali-central-insurance/aarogya-bima-gcihlip23052v032223"}