{"uin":"GCIHLIP23198V012223","name":"HIV & Disability Suraksha Generali Central Insurance Company Limited","url":"https://indiainsurances.com/policy/generali-central-insurance/hiv-and-disability-suraksha-generali-central-insurance-company-limited-gcihlip23198v012223","insurer":{"slug":"generali-central-insurance","name":"Generali Central Insurance Company Limited","url":"https://indiainsurances.com/insurer/generali-central-insurance"},"line":"health","category":"disease-specific","category_name":"Disease-specific cover","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"HIV & Disability Suraksha is an individual indemnity health policy for persons with specified disabilities and individuals with HIV/AIDS. It offers sum insured options of 4 Lacs and 5 Lacs, with a 20% co-payment unless the optional co-pay waiver is bought.","analysis":{"state":"machine","analysed_at":"2026-10-19 19:57:06.948508+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":["Category 1","Category 2","Category 3"],"display":"Category 1, Category 2, Category 3","note":"These are disease/disability categories printed by the policy, not separately named plan names.","quote":"The disease / disabilities are classified into the below three categories:\nCategory 1 | Category 2 | Category 3","sources":[{"clause":"1","heading":"PREAMBLE","page":1,"url":"https://indiainsurances.com/policy/generali-central-insurance/hiv-and-disability-suraksha-generali-central-insurance-company-limited-gcihlip23198v012223/document/5754#c-1"}],"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":"1 Year","display":"1 Year","note":null,"quote":"Policy Period | 1 Year","sources":[{"clause":null,"heading":"11. TABLE OF BENEFITS","page":22,"url":"https://indiainsurances.com/policy/generali-central-insurance/hiv-and-disability-suraksha-generali-central-insurance-company-limited-gcihlip23198v012223/document/5754#c-11-table-of-benefits"}],"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":"Emergency hospitalisation must be intimated within 24 hours from the date it is required or before discharge, whichever is earlier. Planned hospitalisation must be intimated at least 48 hours before admission.","display":"Emergency: within 24 hours or before discharge; planned: at least 48 hours prior to admission","note":null,"quote":"Notice with full particulars shall be sent to the Company/TPA(if applicable) as under:\ni. Within 24 hours from the date of emergency hospitalization required or before the Insured Person’s discharge from Hospital, whichever is earlier.\nii. At least 48 hours prior to admission in Hospital in case of a planned Hospitalization.","sources":[{"clause":null,"heading":"10.3 Notification of Claim","page":20,"url":"https://indiainsurances.com/policy/generali-central-insurance/hiv-and-disability-suraksha-generali-central-insurance-company-limited-gcihlip23198v012223/document/5754#c-10-3-notification-of-claim"}],"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","Photo Identity proof of the patient","Medical practitioner’s prescription advising admission","Original bills with itemized break-up","Payment receipts","Discharge summary including complete medical history of the patient along with other details.","Investigation/ Diagnostic test reports etc. supported by the prescription from attending medical practitioner","OT notes or Surgeon’s certificate giving details of the operation performed (for surgical cases).","Sticker/Invoice of the Implants, wherever applicable.","MLR (Medico Legal Report copy if carried out and FIR (First information report) if registered, where ever applicable.","NEFT Details (to enable direct credit of claim amount in bank account) and cancelled cheque","KYC (Identity proof with Address) of the proposer, where claim liability is above Rs 1 Lakh as per AML Guidelines","Legal heir/succession certificate , wherever applicable","Any other relevant document required by Company/TPA for assessment of the claim."],"display":"Claim form, photo ID, admission prescription, original bills, receipts, discharge summary, test reports, OT notes, implant invoice, MLR/FIR, NEFT and cancelled cheque, KYC above Rs 1 Lakh, legal heir/succession certificate and any other relevant document","note":null,"quote":"The reimbursement claim is to be supported with the following documents and submitted within the prescribed time limit.\ni. Duly Completed claim form\nii. Photo Identity proof of the patient\niii. Medical practitioner’s prescription advising admission\niv. Original bills with itemized break-up\nv. Payment receipts\nvi. Discharge summary including complete medical history of the patient along with other details.\nvii) Investigation/ Diagnostic test reports etc. supported by the prescription from attending medical practitioner\nviii) OT notes or Surgeon’s certificate giving details of the operation performed (for surgical cases).\nix) Sticker/Invoice of the Implants, wherever applicable.\nx) MLR (Medico Legal Report copy if carried out and FIR (First information report) if registered, where ever applicable.\nxi) NEFT Details (to enable direct credit of claim amount in bank account) and cancelled cheque\nxii) KYC (Identity proof with Address) of the proposer, where claim liability is above Rs 1 Lakh as per AML Guidelines\nxiii) Legal heir/succession certificate , wherever applicable\nxiv) Any other relevant document required by Company/TPA for assessment of the claim.","sources":[{"clause":null,"heading":"10.4 Documents to be submitted","page":20,"url":"https://indiainsurances.com/policy/generali-central-insurance/hiv-and-disability-suraksha-generali-central-insurance-company-limited-gcihlip23198v012223/document/5754#c-10-4-documents-to-be-submitted"}],"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 needed, it must complete investigation within 30 days and settle or reject the claim within 45 days from receipt of the last necessary document.","display":"15 days from last necessary document; 45 days if investigation is warranted","note":null,"quote":"i) The Company shall settle or reject a claim, as the case may be, 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. In such cases, the Company shall settle or reject the claim within 45 days from the date of receipt of last necessary document.","sources":[{"clause":"15(i)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/generali-central-insurance/hiv-and-disability-suraksha-generali-central-insurance-company-limited-gcihlip23198v012223/document/5754#c-15-i-3"},{"clause":"15(iii)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/generali-central-insurance/hiv-and-disability-suraksha-generali-central-insurance-company-limited-gcihlip23198v012223/document/5754#c-15-iii"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Pre-Existing Diseases (Code- Excl01)","First 30 Days Waiting Period -Code- Excl03","Specific diseases/ procedures Waiting Period- Code- Excl02","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","Breach of law: Code- Excl10","Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. Code- Excl12","Unproven Treatments:(Code- Excl16)","Sterility and Infertility: (Code- Excl17)","Maternity Expenses (Code - Excl 18)","Any medical treatment taken outside India.","The cover will exclude cost for any Anti-Retroviral Treatment."],"display":"Waiting-period exclusions, standard exclusions such as investigation, rest cure, gender change, cosmetic surgery, hazardous sports, breach of law, alcoholism/drug abuse, unproven treatment, infertility and maternity, plus outside-India treatment and anti-retroviral treatment cost","note":null,"quote":"Pre-Existing Diseases (Code- Excl01) ... Excl03 First 30 Days Waiting Period -Code- Excl03 ... Excl02 Specific diseases/ procedures Waiting Period- Code- Excl02 ... Excl04 Investigation & Evaluation-Code- Excl04 ... Excl05 Rest Cure, rehabilitation and respite care-Code- Excl05 ... Excl07 Change-of-Gender treatments : Code- Excl07 ... Excl08 Cosmetic or plastic Surgery: Code- Excl08 ... Excl09 Hazardous or Adventure sports: Code- Excl09 ... Excl10 Breach of law: Code- Excl10 ... Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. Code- Excl12 ... Excl16 ... Expenses related to any unproven treatment, services and supplies for or in connection with any treatment. ... Excl17 ... Expenses related to sterility and infertility. ... Maternity Expenses (Code - Excl 18) ... 1. Any medical treatment taken outside India. ... ii) The cover will exclude cost for any Anti-Retroviral Treatment.","sources":[{"clause":"Excl01","heading":"Pre-Existing Diseases (Code- Excl01)","page":10,"url":"https://indiainsurances.com/policy/generali-central-insurance/hiv-and-disability-suraksha-generali-central-insurance-company-limited-gcihlip23198v012223/document/5754#c-excl01"},{"clause":"Excl03","heading":"First 30 Days Waiting Period -Code- Excl03","page":11,"url":"https://indiainsurances.com/policy/generali-central-insurance/hiv-and-disability-suraksha-generali-central-insurance-company-limited-gcihlip23198v012223/document/5754#c-excl03"},{"clause":"Excl02","heading":"Specific diseases/ procedures Waiting Period- Code- Excl02","page":11,"url":"https://indiainsurances.com/policy/generali-central-insurance/hiv-and-disability-suraksha-generali-central-insurance-company-limited-gcihlip23198v012223/document/5754#c-excl02"},{"clause":"Excl04","heading":"Investigation & Evaluation-Code- Excl04","page":12,"url":"https://indiainsurances.com/policy/generali-central-insurance/hiv-and-disability-suraksha-generali-central-insurance-company-limited-gcihlip23198v012223/document/5754#c-excl04"},{"clause":"Excl05","heading":"Rest Cure, rehabilitation and respite care-Code- Excl05","page":12,"url":"https://indiainsurances.com/policy/generali-central-insurance/hiv-and-disability-suraksha-generali-central-insurance-company-limited-gcihlip23198v012223/document/5754#c-excl05"},{"clause":"Excl07","heading":"Change-of-Gender treatments : Code- Excl07","page":12,"url":"https://indiainsurances.com/policy/generali-central-insurance/hiv-and-disability-suraksha-generali-central-insurance-company-limited-gcihlip23198v012223/document/5754#c-excl07"},{"clause":"Excl08","heading":"Cosmetic or plastic Surgery: Code- Excl08","page":12,"url":"https://indiainsurances.com/policy/generali-central-insurance/hiv-and-disability-suraksha-generali-central-insurance-company-limited-gcihlip23198v012223/document/5754#c-excl08"},{"clause":"Excl09","heading":"Hazardous or Adventure sports: Code- Excl09","page":12,"url":"https://indiainsurances.com/policy/generali-central-insurance/hiv-and-disability-suraksha-generali-central-insurance-company-limited-gcihlip23198v012223/document/5754#c-excl09"},{"clause":"Excl10","heading":"Breach of law: Code- Excl10","page":12,"url":"https://indiainsurances.com/policy/generali-central-insurance/hiv-and-disability-suraksha-generali-central-insurance-company-limited-gcihlip23198v012223/document/5754#c-excl10"},{"clause":"9","heading":null,"page":13,"url":"https://indiainsurances.com/policy/generali-central-insurance/hiv-and-disability-suraksha-generali-central-insurance-company-limited-gcihlip23198v012223/document/5754#c-9"},{"clause":"13","heading":"Unproven Treatments:(Code- Excl16)","page":13,"url":"https://indiainsurances.com/policy/generali-central-insurance/hiv-and-disability-suraksha-generali-central-insurance-company-limited-gcihlip23198v012223/document/5754#c-13"},{"clause":"14","heading":"Sterility and Infertility: (Code- Excl17)","page":13,"url":"https://indiainsurances.com/policy/generali-central-insurance/hiv-and-disability-suraksha-generali-central-insurance-company-limited-gcihlip23198v012223/document/5754#c-14"},{"clause":"15","heading":"Maternity Expenses (Code - Excl 18)","page":13,"url":"https://indiainsurances.com/policy/generali-central-insurance/hiv-and-disability-suraksha-generali-central-insurance-company-limited-gcihlip23198v012223/document/5754#c-15"},{"clause":null,"heading":"8.2 Specific Exclusions","page":13,"url":"https://indiainsurances.com/policy/generali-central-insurance/hiv-and-disability-suraksha-generali-central-insurance-company-limited-gcihlip23198v012223/document/5754#c-8-2-specific-exclusions"},{"clause":"6","heading":"SPECIFIC CONDITIONS APPLICABLE FOR PERSONS WITH HIV-AIDS","page":10,"url":"https://indiainsurances.com/policy/generali-central-insurance/hiv-and-disability-suraksha-generali-central-insurance-company-limited-gcihlip23198v012223/document/5754#c-6"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"For a grievance, the insured may write to the policy issuing office or regional office, approach the company branch grievance cell, and then contact the grievance officer at GCIGRO@generalicentral.com or 7900197777 before going to the Insurance Ombudsman.","display":"Policy issuing office/regional office or branch grievance cell, then Grievance Officer at GCIGRO@generalicentral.com or 7900197777","note":null,"quote":"Grievance–In case of any grievance relating to servicing the Policy, the insured person may submit in writing to the Policy issuing office or regional office for redressal. ... Insured person may also approach the grievance cell at any of the company's branches with the details of grievance.\nlf lnsured person is not satisfied with the redressal of grievance through one of the above methods, Insured Person may contact the grievance officer at GCIGRO@generalicentral.com or call at: 7900197777","sources":[{"clause":null,"heading":"15. Redressal Of Grievance","page":17,"url":"https://indiainsurances.com/policy/generali-central-insurance/hiv-and-disability-suraksha-generali-central-insurance-company-limited-gcihlip23198v012223/document/5754#c-15-redressal-of-grievance"}],"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":"4 Lacs and 5 Lacs on an individual basis.","display":"4 Lacs and 5 Lacs","note":null,"quote":"Sum Insured available (in INR) | 4 Lacs 5 Lacs","sources":[{"clause":null,"heading":"11. TABLE OF BENEFITS","page":22,"url":"https://indiainsurances.com/policy/generali-central-insurance/hiv-and-disability-suraksha-generali-central-insurance-company-limited-gcihlip23198v012223/document/5754#c-11-table-of-benefits"}],"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":"Excl03","heading":"First 30 Days Waiting Period -Code- Excl03","page":11,"url":"https://indiainsurances.com/policy/generali-central-insurance/hiv-and-disability-suraksha-generali-central-insurance-company-limited-gcihlip23198v012223/document/5754#c-excl03"}],"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":"Pre-existing disability has 24 months; pre-existing HIV/AIDS has 30 days.","quote":"a) Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 24 months for pre-existing disability / 36 months for all pre-existing conditions other than HIV/ AIDS and Disability (as mentioned in Policy Schedule) of continuous coverage after the date of inception of the first policy with insurer. ... i) Any treatment for the Pre-existing HIV/AIDS covered, will have a Waiting Period of 30 days from the first Policy inception date.","sources":[{"clause":"Excl01(a)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/generali-central-insurance/hiv-and-disability-suraksha-generali-central-insurance-company-limited-gcihlip23198v012223/document/5754#c-excl01-a"},{"clause":"6","heading":"SPECIFIC CONDITIONS APPLICABLE FOR PERSONS WITH HIV-AIDS","page":10,"url":"https://indiainsurances.com/policy/generali-central-insurance/hiv-and-disability-suraksha-generali-central-insurance-company-limited-gcihlip23198v012223/document/5754#c-6"}],"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":"Not applicable for claims arising due to an accident.","quote":"a) Expenses related to the treatment of the listed conditions, surgeries/treatments shall be excluded until the expiry of 24 months (as mentioned in Policy Schedule) of continuous coverage, after the date of inception of the first policy with the us. This exclusion shall not be applicable for claims arising due to an accident.","sources":[{"clause":"Excl02","heading":"Specific diseases/ procedures Waiting Period- Code- Excl02","page":11,"url":"https://indiainsurances.com/policy/generali-central-insurance/hiv-and-disability-suraksha-generali-central-insurance-company-limited-gcihlip23198v012223/document/5754#c-excl02"}],"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":["Benign ENT disorders","Tonsillectomy","Adenoidectomy","Mastoidectomy","Tympanoplasty","Hysterectomy","All internal and external benign tumours, cysts, polyps of any kind, including benign breast lumps","Benign prostate hypertrophy","Cataract and age related eye ailments","Gastric/ Duodenal Ulcer","Gout and Rheumatism","Hernia of all types","Hydrocele","Non Infective Arthritis","Piles, Fissures and Fistula in anus","Pilonidal sinus, Sinusitis and related disorders","Prolapse inter Vertebral Disc and Spinal Diseases unless arising from accident","Calculi in urinary system, Gall Bladder and Bile duct, excluding malignancy.","Varicose Veins and Varicose Ulcers."],"display":"Benign ENT disorders, Tonsillectomy, Adenoidectomy, Mastoidectomy, Tympanoplasty, Hysterectomy, benign tumours/cysts/polyps, benign prostate hypertrophy, cataract, ulcer, gout and rheumatism, hernia, hydrocele, non infective arthritis, piles/fissures/fistula, pilonidal sinus/sinusitis, spinal diseases, urinary/gall bladder/bile duct calculi and varicose veins/ulcers","note":null,"quote":"1. Benign ENT disorders\n2. Tonsillectomy\n3. Adenoidectomy\n4. Mastoidectomy\n5. Tympanoplasty\n6. Hysterectomy\n7. All internal and external benign tumours, cysts, polyps of any kind, including benign breast lumps\n8. Benign prostate hypertrophy\n9. Cataract and age related eye ailments\n10. Gastric/ Duodenal Ulcer\n11. Gout and Rheumatism\n12. Hernia of all types\n13. Hydrocele\n14. Non Infective Arthritis\n15. Piles, Fissures and Fistula in anus\n16. Pilonidal sinus, Sinusitis and related disorders\n17. Prolapse inter Vertebral Disc and Spinal Diseases unless arising from accident\n18. Calculi in urinary system, Gall Bladder and Bile duct, excluding malignancy.\n19. Varicose Veins and Varicose Ulcers.","sources":[{"clause":null,"heading":"24 Months waiting period","page":11,"url":"https://indiainsurances.com/policy/generali-central-insurance/hiv-and-disability-suraksha-generali-central-insurance-company-limited-gcihlip23198v012223/document/5754#c-24-months-waiting-period"}],"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 sums 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":null,"heading":"12. Moratorium Period","page":17,"url":"https://indiainsurances.com/policy/generali-central-insurance/hiv-and-disability-suraksha-generali-central-insurance-company-limited-gcihlip23198v012223/document/5754#c-12-moratorium-period"}],"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 other insurers at renewal by applying at least 30 days before, but not earlier than 60 days from, the renewal due date. Credit for sum insured, no claim bonus, specific waiting periods, PED waiting period and moratorium period transfers if continuously covered without lapse.","display":"Can port at renewal with waiting-period credit","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.\nlf the Policyholder (including all members under family cover) is presently covered and has been continuously covered without any lapses under the health insurance policy with existing Indian General/Health Insurer, 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":null,"heading":"9. Portability","page":16,"url":"https://indiainsurances.com/policy/generali-central-insurance/hiv-and-disability-suraksha-generali-central-insurance-company-limited-gcihlip23198v012223/document/5754#c-9-portability"}],"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":"Yes, Renewal Lifelong","note":"Stated in the prospectus eligibility table.","quote":"Renewal | Lifelong","sources":[{"clause":"16(I)(f)(ii)","heading":"Individuals with HIV/AIDS","page":18,"url":"https://indiainsurances.com/policy/generali-central-insurance/hiv-and-disability-suraksha-generali-central-insurance-company-limited-gcihlip23198v012223/document/5755#c-16-i-f-ii"}],"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 policy states renewal shall not be denied on the ground of claims, but it does not state whether renewal premium can be loaded because of claims.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"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 insured may cancel by giving 7 days’ written notice. The company refunds premium on a pro-rata basis for the unexpired policy period if no claims are reported, but gives no refund if a claim has been admitted, lodged or any benefit availed.","display":"Pro-rata refund for unexpired period if no claims are reported","note":null,"quote":"The Insured may cancel this Policy by giving 7 days’ written notice, and in such an event, the Company shall refund premium on Pro-rata basis for the unexpired Policy Period, where no claims are reported under the Policy.\nNotwithstanding 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 You under the Policy.","sources":[{"clause":null,"heading":"7. Cancellation","page":16,"url":"https://indiainsurances.com/policy/generali-central-insurance/hiv-and-disability-suraksha-generali-central-insurance-company-limited-gcihlip23198v012223/document/5754#c-7-cancellation"}],"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":"Indian Territory; medical treatment taken outside India is excluded.","display":"Indian Territory","note":"The positive territory statement is in the prospectus; the policy wording excludes treatment outside India.","quote":"Geographica l Territory | Indian Territory ... 1. Any medical treatment taken outside India.","sources":[{"clause":"16(I)(f)(ii)","heading":"Individuals with HIV/AIDS","page":18,"url":"https://indiainsurances.com/policy/generali-central-insurance/hiv-and-disability-suraksha-generali-central-insurance-company-limited-gcihlip23198v012223/document/5755#c-16-i-f-ii"},{"clause":null,"heading":"8.2 Specific Exclusions","page":13,"url":"https://indiainsurances.com/policy/generali-central-insurance/hiv-and-disability-suraksha-generali-central-insurance-company-limited-gcihlip23198v012223/document/5754#c-8-2-specific-exclusions"}],"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":"Applicable on new individual health insurance policies and not on renewals.","quote":"The insured shall be allowed free look period of thirty days from date of receipt of the Policy documents to review the terms and conditions of the Policy, and to return the same if not acceptable.","sources":[{"clause":null,"heading":"14. Free look period","page":17,"url":"https://indiainsurances.com/policy/generali-central-insurance/hiv-and-disability-suraksha-generali-central-insurance-company-limited-gcihlip23198v012223/document/5754#c-14-free-look-period"}],"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":"30 days; 15 days for monthly mode","note":"Monthly premium mode gets fifteen days; all other cases get thirty days.","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":null,"heading":"16. Grace period","page":3,"url":"https://indiainsurances.com/policy/generali-central-insurance/hiv-and-disability-suraksha-generali-central-insurance-company-limited-gcihlip23198v012223/document/5754#c-16-grace-period"}],"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":"Adults can enter from 18 Years to 65 Years. Children can enter from Newborn to 17 Years.","display":"Adults: 18 Years to 65 Years; Children: Newborn to 17 Years","note":null,"quote":"Eligibility | Policy can be availed on individual basis. Age eligibility for Adults: 18 Years to 65 Years Age eligibility for Children: Newborn to 17 Years","sources":[{"clause":null,"heading":"11. TABLE OF BENEFITS","page":22,"url":"https://indiainsurances.com/policy/generali-central-insurance/hiv-and-disability-suraksha-generali-central-insurance-company-limited-gcihlip23198v012223/document/5754#c-11-table-of-benefits"}],"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":["Monthly","Quarterly","Half Yearly","Single"],"display":"Monthly, Quarterly, Half Yearly, Single","note":"Stated in the prospectus eligibility table.","quote":"Premium Payment Frequency | Monthly, Quarterly, Half Yearly, Single.","sources":[{"clause":"16(I)(f)(ii)","heading":"Individuals with HIV/AIDS","page":18,"url":"https://indiainsurances.com/policy/generali-central-insurance/hiv-and-disability-suraksha-generali-central-insurance-company-limited-gcihlip23198v012223/document/5755#c-16-i-f-ii"}],"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":["copayment can be waived of by paying an additional premium (optional)"],"display":"Co-payment waiver for additional premium","note":"The base policy has 20% co-payment on each claim unless this waiver is opted.","quote":"This copayment can be waived of by paying an additional premium (optional).","sources":[{"clause":null,"heading":"10.5 Co-payment","page":21,"url":"https://indiainsurances.com/policy/generali-central-insurance/hiv-and-disability-suraksha-generali-central-insurance-company-limited-gcihlip23198v012223/document/5754#c-10-5-co-payment"}],"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 grace period at renewal.","display":"Coverage is not available during the grace period","note":"The grace-period definition also says coverage is offered during the grace period if premium is paid in instalments during the policy period.","quote":"At the end of the Policy Period, the policy shall terminate and can be renewed within the Grace Period to maintain continuity of benefits without Break in Policy. Coverage is not available during the grace period. ... Provided the insurers shall offer coverage during the grace period, if the premium is paid in instalments during the policy period..","sources":[{"clause":null,"heading":"10. Renewal of Policy","page":16,"url":"https://indiainsurances.com/policy/generali-central-insurance/hiv-and-disability-suraksha-generali-central-insurance-company-limited-gcihlip23198v012223/document/5754#c-10-renewal-of-policy"},{"clause":null,"heading":"16. Grace period","page":3,"url":"https://indiainsurances.com/policy/generali-central-insurance/hiv-and-disability-suraksha-generali-central-insurance-company-limited-gcihlip23198v012223/document/5754#c-16-grace-period"}],"law":[]},{"key":"disease","label":"Disease covered","section":"Cover","meaning":"The condition this policy is for.","status":"quote-verified","value":"The policy is for persons with specified disabilities and individuals with HIV/AIDS.","display":"Persons with disability and individuals with HIV/AIDS","note":null,"quote":"This Policy is specially designed for, A) Covering Persons with Disability as per The Rights of Persons with Disabilities Act, 2016 and The Mental Healthcare Act 2017. ... Or/and B) Individuals with HIV/ AIDS as defined under the Human Immunodeficiency Virus and Acquired Immune Deficiency Syndrome (Prevention and Control) Act, 2017.","sources":[{"clause":"1","heading":"PREAMBLE","page":1,"url":"https://indiainsurances.com/policy/generali-central-insurance/hiv-and-disability-suraksha-generali-central-insurance-company-limited-gcihlip23198v012223/document/5754#c-1"}],"law":[]},{"key":"payout","label":"Payout","section":"Cover","meaning":"Lump sum, staged, or hospital bills.","status":"quote-verified","value":"This is an indemnity policy that pays medical expenses for hospitalisation, subject to the sum insured and policy terms, not a diagnosis lump sum.","display":"Indemnity basis for hospitalisation medical expenses","note":null,"quote":"The company shall indemnify medical expenses incurred for Hospitalization of the Insured Person during the Policy Year, up to the Sum Insured as specified in the Policy Schedule ... Category of Cover | Indemnity Basis","sources":[{"clause":"4.1","heading":"Inpatient Care","page":8,"url":"https://indiainsurances.com/policy/generali-central-insurance/hiv-and-disability-suraksha-generali-central-insurance-company-limited-gcihlip23198v012223/document/5754#c-4-1"},{"clause":null,"heading":"11. TABLE OF BENEFITS","page":22,"url":"https://indiainsurances.com/policy/generali-central-insurance/hiv-and-disability-suraksha-generali-central-insurance-company-limited-gcihlip23198v012223/document/5754#c-11-table-of-benefits"}],"law":[]},{"key":"survival_period","label":"Survival period","section":"Waiting periods","meaning":"Days you must survive after diagnosis before payment.","status":"not-applicable","value":null,"display":null,"note":"The policy pays indemnity hospitalisation expenses, not a diagnosis lump-sum benefit, so a survival period after diagnosis does not apply.","quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"HIV & Disability Suraksha Generali Central Insurance Company Limited Policy Wordings","pages":41,"fetched_at":"2026-10-17 19:32:33+00","source_url":"https://www.generalicentralinsurance.com/downloads/health-insurance/hiv-disability-suraksha-generali-central-insurance-company-limited/policy-wording/hiv-and-disability-suraksha-generali-central-insurance-company-limited-policy-wording.pdf","url":"https://indiainsurances.com/policy/generali-central-insurance/hiv-and-disability-suraksha-generali-central-insurance-company-limited-gcihlip23198v012223/document/5754"},{"kind":"prospectus","label":"HIV & Disability Suraksha Generali Central Insurance Company Limited Prospectus Form","pages":42,"fetched_at":"2026-10-17 19:32:36+00","source_url":"https://www.generalicentralinsurance.com/downloads/health-insurance/hiv-disability-suraksha-generali-central-insurance-company-limited/prospectus-forms/hiv-and-disability-suraksha-generali-central-insurance-company-limited-prospectus.pdf","url":"https://indiainsurances.com/policy/generali-central-insurance/hiv-and-disability-suraksha-generali-central-insurance-company-limited-gcihlip23198v012223/document/5755"},{"kind":"cis","label":"HIV & Disability Suraksha Generali Central Insurance Company Limited Customer Information Sheet","pages":7,"fetched_at":"2026-10-17 19:32:38+00","source_url":"https://www.generalicentralinsurance.com/downloads/health-insurance/hiv-disability-suraksha-generali-central-insurance-company-limited/customer-information-sheet/hiv-and-disability-suraksha-generali-central-insurance-company-limited-cis.pdf","url":"https://indiainsurances.com/policy/generali-central-insurance/hiv-and-disability-suraksha-generali-central-insurance-company-limited-gcihlip23198v012223/document/5756"}],"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":"HIV & Disability Suraksha Generali Central Insurance Company Limited (UIN GCIHLIP23198V012223), IndiaInsurances, https://indiainsurances.com/policy/generali-central-insurance/hiv-and-disability-suraksha-generali-central-insurance-company-limited-gcihlip23198v012223"}