{"uin":"GCIHLIP25037V062425","name":"Health Total","url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425","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":"Revision","kind":"product","status":"active","approved_on":"2020-08-24","withdrawn_on":null,"summary":"Health Total is a health indemnity policy with Vital Plan, Superior Plan and Premiere Plan and sum insured options from ₹3 lakhs to ₹1 crore. It has a 30-day initial waiting period, a 24-month pre-existing disease waiting period, lifelong renewal and age-based co-payments for first entry at age 60 years and above.","analysis":{"state":"machine","analysed_at":"2026-10-19 19:53:13.779832+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":["Vital Plan","Superior Plan","Premiere Plan"],"display":"Vital Plan, Superior Plan and Premiere Plan","note":null,"quote":"This Policy provides You options of 3 (three) plans namely Vital Plan, Superior Plan and Premiere Plan with each Plan having further Sum Insured options as specified in the Schedule of Benefits.","sources":[{"clause":"B","heading":"SCOPE OF COVER","page":7,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-b"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"The minimum policy period is one year and the maximum policy period is three years.","display":"1 year to 3 years","note":null,"quote":"The minimum Policy Period offered under this product is one year, and the maximum Policy Period is three years.","sources":[{"clause":null,"heading":"4. Policy Period","page":21,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-4-policy-period"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"For reimbursement or non-cashless claims, notification must be given immediately and in any event within 48 hours of commencement of the illness or injury. In the event of death, the nominee or legal heir must inform the insurer immediately and send a copy of the post mortem report, if any, within 14 days.","display":"Immediately and within 48 hours; death claims immediately with post mortem report within 14 days","note":null,"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 any) within 14 days.","sources":[{"clause":"11(b)(i)","heading":null,"page":24,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-11-b-i"},{"clause":"11(b)(iv)","heading":null,"page":24,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-11-b-iv"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["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, actual test reports and bill from the diagnostic centre"],"display":"Claim form, first consultation letter, first prescription, original vouchers and hospital bills, money receipt, birth/death certificate if applicable, discharge card, diagnostic reports and supporting medicine or diagnostic bills","note":null,"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":"11(b)(iv)","heading":null,"page":24,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-11-b-iv"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The company shall settle or reject a claim within 15 days from receipt of the last necessary document. If investigation is needed, it must complete investigation within 30 days and settle or reject the claim within 45 days from receipt of the last necessary document, with interest at 2% above bank rate for delayed payment.","display":"15 days from last necessary document; 45 days if investigation is needed","note":null,"quote":"The Company shall settle or reject a claim, as the case may be, within 15 days from the date of receipt of last necessary document. ... 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. ... the Company shall be liable to pay interest to the policyholder at a rate 2% above the bank rate","sources":[{"clause":null,"heading":"7. Claim settlement","page":26,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-7-claim-settlement"}],"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","Obesity/ Weight Control: Code- Excl06","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.","Treatment outside India except as specified under Benefit 18.","Intentional self-Injury.","Standard list of excluded items as mentioned in Annexure III"],"display":"Waiting periods for PED, specified diseases and 30 days, plus main standard and specific exclusions including investigation, rest cure, obesity treatment, change of gender, cosmetic surgery, hazardous sports, breach of law, alcohol or drug abuse, treatment outside India except Benefit 18, intentional self-injury and excluded items","note":null,"quote":"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 ... Obesity/ Weight Control: Code- Excl06 ... Change-of-Gender treatments: Code- Excl07 ... Cosmetic or Plastic Surgery: Code- Excl08 ... Hazardous or Adventure sports: Code- Excl09 ... Breach of law: Code- Excl10 ... Code- Excl12 Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. ... Treatment outside India except as specified under Benefit 18. ... Intentional self-Injury. ... Standard list of excluded items as mentioned in Annexure III","sources":[{"clause":"1","heading":"Exclusions applicable for all Benefits other than Benefit 13","page":13,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-1-2"},{"clause":"2","heading":"Exclusions applicable for all Benefits","page":15,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-2-2"},{"clause":"2(b)(iv)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-2-b-iv"},{"clause":"2(b)(v)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-2-b-v"}],"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 to the Grievance Redressal Cell or a 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, then Insurance Ombudsman","note":null,"quote":"In case of any grievance the insured person may contact the company through Website: https://generalicentralinsurance.com Toll Free: 1800-220-233 / 1860-500-3333 / 022-67837800 Email: GCIcare@generalicentral.com Courier: Grievance Redressal Cell, Generali Central Insurance company limited. ... 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 ... the insured person may also approach the office of lnsurance Ombudsman","sources":[{"clause":"11","heading":"Redressal of Grievance","page":19,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-11-2"}],"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":"Sum insured options are ₹3 lakhs, ₹5 lakhs, ₹10 lakhs, ₹15 lakhs, ₹20 lakhs, ₹25 lakhs, ₹50 lakhs and ₹1 crore.","display":"₹3 lakhs, ₹5 lakhs, ₹10 lakhs, ₹15 lakhs, ₹20 lakhs, ₹25 lakhs, ₹50 lakhs and ₹1 crore","note":null,"quote":"Sum Insured (in ₹) | 3 lakhs | 5 lakhs | 10 lakhs | 15 lakhs | 20 lakhs | 25 lakhs | 50 lakhs | 1 crore","sources":[{"clause":"Annexure II","heading":"Schedule of Benefits","page":34,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-annexure-ii"}],"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":"This exclusion does not apply to covered accident claims and does not apply if the insured person has continuous coverage for more than twelve months.","quote":"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":"1","heading":"Exclusions applicable for all Benefits other than Benefit 13","page":13,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-1-2"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"quote-verified","value":{"unit":"months","amount":24},"display":"24 months","note":"For enhanced sum insured, the exclusion applies afresh to the extent of the increase; portability credit can reduce the waiting period.","quote":"Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the first policy with us.","sources":[{"clause":"1","heading":"Exclusions applicable for all Benefits other than Benefit 13","page":13,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-1-2"}],"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":"The clause refers to 12/24/36 months, but the listed conditions shown in the policy wording are under 24 months and 36 months; 36 months applies to organ transplant, rheumatoid arthritis, gout, degenerative joint replacement and age-related osteoarthritis/osteoporosis unless joint replacement is medically necessary due to injury.","quote":"Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 12/24/36 months of continuous coverage after the date of inception of the first policy with us. ... II) Waiting period of 24 months: ... I) Waiting period of 36 months:","sources":[{"clause":"1","heading":"Exclusions applicable for all Benefits other than Benefit 13","page":13,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-1-2"}],"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":["Organ transplant","Rheumatoid Arthritis","Gout","Joint replacement Surgery due to degenerative condition","Age related Osteoarthritis and Osteoporosis unless such joint replacement Surgery is Medically Necessary due to Injury.","Cataracts","Benign Prostatic Hypertrophy","Hernia of all types","Deviated Nasal Septum","Hypertrophied Turbinate","Hydrocele","All types of sinuses","Fistulae, hemorrhoids, fissure in ano","Dysfunctional uterine bleeding, Fibromyoma, Endometriosis, Hysterectomy","All internal or external tumors/cysts/nodules/polyps of any kind including breast lumps with exception of malignant tumor or growth","Surgery for prolapsed inter vertebral disc unless arising from Accident","Surgery of varicose veins and varicose ulcers","Any types of gastric or duodenal ulcers","Stones in the urinary and biliary systems","Surgery on ears and tonsils."],"display":"Organ transplant, rheumatoid arthritis, gout, degenerative joint replacement, age-related osteoarthritis/osteoporosis, cataract, BPH, hernia, DNS, turbinate, hydrocele, sinuses, fistulae/haemorrhoids/fissure, uterine bleeding/fibromyoma/endometriosis/hysterectomy, tumours/cysts/nodules/polyps, prolapsed disc surgery, varicose veins/ulcers, gastric or duodenal ulcers, urinary or biliary stones, ear and tonsil surgery","note":null,"quote":"a) Organ transplant b) Rheumatoid Arthritis c) Gout d) Joint replacement Surgery due to degenerative condition e) Age related Osteoarthritis and Osteoporosis unless such joint replacement Surgery is Medically Necessary due to Injury. ... a) Cataracts b) Benign Prostatic Hypertrophy c) Hernia of all types d) Deviated Nasal Septum e) Hypertrophied Turbinate f) Hydrocele g) All types of sinuses h) Fistulae, hemorrhoids, fissure in ano i) Dysfunctional uterine bleeding, Fibromyoma, Endometriosis, Hysterectomy, j) All internal or external tumors/cysts/nodules/polyps of any kind including breast lumps with exception of malignant tumor or growth k) Surgery for prolapsed inter vertebral disc unless arising from Accident l) Surgery of varicose veins and varicose ulcers m) Any types of gastric or duodenal ulcers n) Stones in the urinary and biliary systems o) Surgery on ears and tonsils.","sources":[{"clause":"1","heading":"Exclusions applicable for all Benefits other than Benefit 13","page":13,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-1-2"}],"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.","sources":[{"clause":"8","heading":"Moratorium Period","page":19,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-8-2"}],"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 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 from the existing insurer.","display":"Porting allowed at renewal, apply 30 to 60 days before due date, with waiting-period credit","note":null,"quote":"Portability 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. lf 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":"II. Specific Terms and Clauses","page":20,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-ii-specific-terms-and-clauses"}],"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, renewable lifelong","note":null,"quote":"Health Total Policy shall be renewable lifelong","sources":[{"clause":null,"heading":"1.Renewal of Policy","page":26,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-1-renewal-of-policy"}],"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, and renewal cannot be denied because the insured person made claims in preceding policy years.","display":"No loading on renewals based on individual claims experience","note":null,"quote":"Renewal shall not be denied on the ground that the insured person had made a claim or claims in the preceding policy years. ... No loading shall apply on renewals based on individual claims experience","sources":[{"clause":null,"heading":"1.Renewal of Policy","page":26,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-1-renewal-of-policy"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"quote-verified","value":["Investigation & Evaluation- Code- Excl04","Rest Cure, rehabilitation and respite care- Code- Excl05","Obesity/ Weight Control: Code- Excl06","Change-of-Gender treatments: Code- Excl07","Cosmetic or Plastic Surgery: Code- Excl08","Hazardous or Adventure sports: Code- Excl09","Breach of law: Code- Excl10","Excluded Providers: Code- Excl11","Code- Excl12 Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof.","Code- Excl13 Treatments received in heath hydros, nature cure clinics, spas or similar establishments","Code- Excl14 Dietary supplements and substances which are available naturally and that can be purchased without prescription","Refractive Error: Code- Excl15","Unproven Treatments: Code- Excl16","Birth control, Sterility and Infertility: Code- Excl17","Injury or Illness directly or indirectly caused by or arising from or attributable to war","External Congenital Anomaly and related Illness/ defect.","Treatment outside India except as specified under Benefit 18.","Intentional self-Injury."],"display":"Standard exclusions Excl04 to Excl17 plus specific exclusions such as war, external congenital anomaly, treatment outside India except Benefit 18 and intentional self-injury","note":null,"quote":"Investigation & Evaluation- Code- Excl04 ... Rest Cure, rehabilitation and respite care- Code- Excl05 ... Obesity/ Weight Control: Code- Excl06 ... Change-of-Gender treatments: Code- Excl07 ... Cosmetic or Plastic Surgery: Code- Excl08 ... Hazardous or Adventure sports: Code- Excl09 ... Breach of law: Code- Excl10 ... Excluded Providers: Code- Excl11 ... Code- Excl12 Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. ... Code- Excl13 Treatments received in heath hydros, nature cure clinics, spas or similar establishments ... Code- Excl14 Dietary supplements and substances which are available naturally and that can be purchased without prescription ... Refractive Error: Code- Excl15 ... Unproven Treatments: Code- Excl16 ... Birth control, Sterility and Infertility: Code- Excl17 ... Injury or Illness directly or indirectly caused by or arising from or attributable to war ... External Congenital Anomaly and related Illness/ defect. ... Treatment outside India except as specified under Benefit 18. ... Intentional self-Injury.","sources":[{"clause":"2","heading":"Exclusions applicable for all Benefits","page":15,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-2-2"},{"clause":"2(b)(iv)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-2-b-iv"},{"clause":"2(b)(v)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-2-b-v"}],"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. If no claims are reported, premium for the unexpired policy or instalment period is refunded pro rata; if claims are reported, there is no refund for a 1-year single-premium policy or the current claimed policy year/instalment period, with unutilized subsequent policy years refunded for 2/3-year single-premium policies.","display":"7 days written notice; pro-rata refund if no claims, limited or no refund if claims reported","note":"For premium paid in multiple instalments, if claims are reported there is no refund of premium for the unexpired instalment period.","quote":"The policyholder may cancel this policy by giving 7 days written notice. ... where no claims are reported under the Policy, the Company shall refund premium for the unexpired policy/ instalment period ... There shall be refund of proportionate premium for the unexpired policy period on prorate basis. ... 1 year Policy Term - There shall be no refund of premium for the unexpired policy period. ... 2/3 years Policy Term – There shall be no refund of premium for the current Policy Year in which the claim got reported. However, the premium for the unutilized subsequent Policy Years (if any), shall be refunded.","sources":[{"clause":null,"heading":"6. Cancellation","page":21,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-6-cancellation"},{"clause":"11(c)(i)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-11-c-i"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"Except for the medical treatment abroad benefit, covered treatment and investigations must take place anywhere in the territory of India.","display":"India, except Benefit 18 medical treatment abroad","note":null,"quote":"Except as provided in Benefit 18, We shall cover only treatment and investigations covered in terms of this Policy that is taken during the Policy Period and takes place anywhere in the territory of India.","sources":[{"clause":null,"heading":"5. Territorial Limits and Law","page":21,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-5-territorial-limits-and-law"}],"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 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":null,"heading":"3. Free Look Period","page":18,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-3-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":15},"display":"15 days for monthly mode; 30 days in all other cases","note":"For renewal, the policy wording separately 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":2,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#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 entry age is 1 day and maximum entry age is none.","display":"Minimum 1 day; maximum none","note":null,"quote":"Minimum age at entry | 1 day | 1 day | 1 day | 1 day | 1 day | 1 day | 1 day | 1 day Maximum age at entry | None | None | None | None | None | None | None | None","sources":[{"clause":"Annexure II","heading":"Schedule of Benefits","page":34,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-annexure-ii"}],"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 Premium Payment","Half Yearly","Quarterly","Monthly"],"display":"Single premium payment, Half Yearly, Quarterly or Monthly","note":null,"quote":"Single Premium Payment (1/2/3 years Policy Term) ... 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":"6. Cancellation","page":21,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-6-cancellation"},{"clause":null,"heading":"7. Premium Payment in Instalment","page":23,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-7-premium-payment-in-instalment"}],"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. The grace period definition also says insurers shall offer coverage during the grace period if the premium is paid in instalments during the policy period.","display":"No cover during renewal grace period; instalment grace-period cover is offered if premium is paid in instalments during the policy period","note":null,"quote":"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":"1.Renewal of Policy","page":26,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-1-renewal-of-policy"},{"clause":"18","heading":"Grace period","page":2,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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-stated","value":null,"display":null,"note":null,"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"Co-pay applies to claims under all benefits other than Benefit 13 for insured persons first covered under Health Total at older entry ages: 20% for age 60 to 64 years, 25% for age 65 to 69 years, 30% for age 70 to 74 years and 40% for age 75 years and above.","display":"20% at entry age 60-64, 25% at 65-69, 30% at 70-74, 40% at 75 and above; not for Benefit 13","note":null,"quote":"The following Co-payments shall be applicable for claims under all Benefits other than Benefit 13: a) Any Insured Person aged 60 years to 64 years, being covered for the first time in a Health Total Policy shall bear 20% of each and every admissible claim ... b) Any Insured Person aged 65 years to 69 years, being covered for the first time in a Health Total Policy shall bear 25% ... c) Any Insured Person aged 70 years to 74 years, being covered for the first time in Health Total Policy shall bear 30% ... d) Any Insured Person aged 75 years and above, being covered for the first time in Health Total Policy shall bear 40%","sources":[{"clause":null,"heading":"3. Co-Payments Applicable under the Policy","page":25,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-3-co-payments-applicable-under-the-policy"}],"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":"A voluntary deductible applies only if opted and is for each and every claim under Benefit 1. The voluntary deductible options are Vital Plan ₹10,000, ₹25,000 or ₹50,000; Superior Plan ₹50,000, ₹75,000 or ₹1,00,000; and Premiere Plan ₹1,00,000, ₹2,50,000 or ₹5,00,000.","display":"Voluntary deductible only if opted; applies to every Benefit 1 claim","note":"This is an optional voluntary deductible discount feature, not a mandatory deductible stated for every policy.","quote":"If a Voluntary Deductible has been opted and is in force under the Policy, Our liability would be over and above the Voluntary Deductible amount for each and every claim made under Benefit 1. ... Vital Plan | Superior Plan | Premiere Plan Deductible | Discount s | Deductible | Discounts | Deductible | Discounts Rs 10,000 | 10% | Rs 50,000 | 15% | Rs 1,00,000 | 15% Rs 25,000 | 15% | Rs 75,000 | 20% | Rs 2,50,000 | 20% Rs 50,000 | 20% | Rs 1,00,000 | 25% | Rs 5,00,000 | 25%","sources":[{"clause":null,"heading":"3. Co-Payments Applicable under the Policy","page":25,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-3-co-payments-applicable-under-the-policy"},{"clause":null,"heading":"Discounts/Other loadings applicable under the product","page":26,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5777#c-discounts-other-loadings-applicable-under-the-pr"}],"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":["Surgery for cataracts: 10% of the Sum Insured for each eye, and a maximum of Rs.1,00,000/- per eye"],"display":"Cataract surgery capped at 10% of sum insured per eye, maximum Rs.1,00,000 per eye","note":null,"quote":"Claims related to Surgery for cataracts: Our obligation to make payment in respect of Surgery for cataracts (after the expiry of the two years period referred to in Section C (1) (b) vi.II. above, shall be restricted to 10% of the Sum Insured for each eye, and a maximum of Rs.1,00,000/- per eye.","sources":[{"clause":null,"heading":"2. Basis Of Claims Payment","page":25,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-2-basis-of-claims-payment"}],"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":"60 days","note":"Payable only if the insurer has accepted a claim for Hospitalisation Medical Expenses under Benefit 1.","quote":"We will pay the Reasonable and Customary Charges for Pre- hospitalisation Medical Expenses that are incurred with respect to the Insured Person for up to 60 days immediately prior to the date of the Insured Person’s admission to Hospital","sources":[{"clause":null,"heading":"Benefit 3. Pre-hospitalisation Medical Expenses","page":7,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-benefit-3-pre-hospitalisation-medical-expenses"}],"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":"90 days","note":"The schedule shows 90 days for the Vital Plan sum insured options, 120 days for the Superior Plan options and 180 days for the Premiere Plan options.","quote":"Post-hospitalization | 90 days | 90 days | 90 days | 120days | 120 days | 120 days | 180 days | 180day s","sources":[{"clause":"Annexure II","heading":"Schedule of Benefits","page":34,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-annexure-ii"}],"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":"The policy pays medically necessary day care treatment on listed advanced technological surgical procedures requiring less than 24 hours of hospitalisation, and also covers other surgeries or procedures agreed by the insurer in a hospital or day care centre that require less than 24 hours hospitalisation due to subsequent advancement in technology.","display":"Listed day-care procedures and other agreed procedures requiring less than 24 hours hospitalisation","note":null,"quote":"We will pay the Reasonable and Customary Charges for Medically Necessary Day Care Treatment taken by the Insured Person on advanced technological Surgical Procedures requiring less than 24 hours of Hospitalization as listed out in Annexure I of the Policy. ... 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":null,"heading":"Benefit 2. Day Care Treatment expenses","page":7,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-benefit-2-day-care-treatment-expenses"},{"clause":"Annexure I","heading":"Day Care List","page":28,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-annexure-i"}],"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 covered up to 10% of the sum insured for illness or injury, if the treatment condition continues for at least 3 days. Pre and post domiciliary treatment is not payable and specified conditions such as asthma, arthritis, diabetes, hypertension and psychiatric or psychosomatic disorders are excluded.","display":"Covered up to 10% of sum insured if treatment at home continues at least 3 days","note":null,"quote":"We will reimburse Reasonable and Customary Charges up to a maximum of 10% of the Sum Insured (excluding the Cumulative Bonus, if any) for Medical Expenses incurred on the Domiciliary Hospitalisation of the Insured Person for an Illness or Injury ... The condition for which the medical treatment is required continues for at least 3 days ... Expenses incurred for pre and post Domiciliary Hospitalisation treatment will not be payable ... Psychiatric or Psychosomatic disorders of all kinds","sources":[{"clause":null,"heading":"Benefit 12. Domiciliary Hospitalisation Expenses","page":9,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-benefit-12-domiciliary-hospitalisation-expenses"},{"clause":"B(a)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-b-a-5"},{"clause":"B(b)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-b-b-5"},{"clause":"B(c)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-b-c-5"}],"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 under Ayurveda, Yoga and Naturopathy, Unani, Siddha or Homeopathy is covered when treatment is taken in a government hospital or an institute recognised by government and/or accredited by Quality Council of India or National Accreditation Board on Health for that alternative treatment.","display":"AYUSH hospitalisation covered in government or recognised/accredited institutes","note":"Preventive and rejuvenation treatments and outpatient medical expenses are excluded under this benefit.","quote":"We will reimburse Reasonable and Customary Charges for Medical Expenses incurred with respect to the Insured Person for Hospitalization under Ayurveda, Yoga and Naturopathy, Unani, Siddha or Homeopathy provided that the Treatment has been undergone in a government Hospital or in any institute recognized by government and/or accredited by Quality Council of India/ National Accreditation Board on Health for that Alternative Treatment.","sources":[{"clause":null,"heading":"Benefit 17. Alternative Treatment","page":11,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-benefit-17-alternative-treatment"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"The policy pays reasonable and customary charges for an organ donor’s treatment for harvesting the organ, if the donor’s organ is made available under the Transplantation of Human Organs Act, 1994 for the insured person and the insurer has accepted the insured person’s Benefit 1 claim. Donor screening, donor pre/post hospitalisation, other donor treatment consequent on harvesting and costs of acquiring the organ are not covered.","display":"Organ donor harvesting expenses covered; screening, donor pre/post hospitalisation and organ acquisition costs excluded","note":null,"quote":"We will pay the Reasonable and Customary Charges incurred for an organ donor’s treatment for the harvesting of the organ donated provided that: ... The organ donor is any person whose organ has been made available in accordance and in compliance with the Transplantation of Human Organs Act, 1994 and the organ donated is for the use of the Insured Person; ... We will not pay the donor’s screening expenses or pre and post hospitalisation expenses or for any other medical treatment for the donor consequent on the harvesting; ... We have accepted claim under Benefit 1 for the Insured Person ... Costs directly or indirectly associated with the acquisition of the donor’s organ will not be covered.","sources":[{"clause":null,"heading":"Benefit 6. Organ Donor Expenses","page":8,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-benefit-6-organ-donor-expenses"},{"clause":"B(a)","heading":"The organ donor","page":8,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-b-a-2"},{"clause":"B(b)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-b-b-2"},{"clause":"B(c)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-b-c-2"},{"clause":"B(d)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-b-d-2"}],"law":[]},{"key":"ambulance","label":"Ambulance cover","section":"Cover","meaning":"Road (and air) ambulance cover and its limit.","status":"quote-verified","value":"Road ambulance charges are covered from home to hospital or between hospitals. Vital Plan is limited to the schedule amount per hospitalisation, Superior and Premiere cover actuals for network hospitalisation, and non-network reimbursement is up to the schedule amount; emergency medical evacuation for Superior and Premiere is up to 5% of sum insured.","display":"Road ambulance: Vital up to ₹1,500; Superior/Premiere network actuals and non-network up to ₹2,000 or ₹5,000; emergency evacuation up to 5% of SI for Superior/Premiere","note":null,"quote":"We will reimburse ambulance charges from home to Hospital or between Hospitals. We will reimburse payments up to a maximum of the amount specified in the Schedule of Benefits per Hospitalisation if Vital Plan is in force and actual expenses in case of Hospitalization in a Network Provider if Superior Plan or Premiere Plan are in force. In case of Hospitalization in a Non Network Provider We will reimburse upto the amount specified in the Schedule of Benefits depending on the Plan in force. ... Road ambulance charges - network hospitals (in ₹) | 1,500 | 1,500 | 1,500 | Actuals | Actuals | Actuals | Actuals | Actuals Road ambulance charges - non network hospitals (reimbursement up to a maximum) (in ₹) | 1,500 | 1,500 | 1,500 | 2,000 | 2,000 | 2,000 | 5,000 | 5,000 ... Emergency medical evacuation - 5% of SI","sources":[{"clause":null,"heading":"Benefit 10. Road Ambulance Charges","page":9,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-benefit-10-road-ambulance-charges"},{"clause":"Annexure II","heading":"Schedule of Benefits","page":34,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-annexure-ii"}],"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":"quote-verified","value":"If the sum insured and cumulative bonus are exhausted by paid or accepted claims in a policy year, a restore sum insured equal to 100% of the sum insured is automatically available for that policy year. It applies only once, only for future claims under Benefits 1-4, not for maternity, not for an illness including complications already paid in the current policy year, and is not carried forward.","display":"100% restore sum insured, once per policy year, for future Benefits 1-4 claims; not same illness or maternity","note":null,"quote":"If the Sum Insured and Cumulative Bonus (if any) is exhausted due to claims incurred and paid during the Policy Year or incurred during the Policy Year and accepted as payable, then it is agreed that a Restore Sum Insured (equal to 100% of the Sum Insured) will be automatically available for the particular Policy Year ... The Restore Sum Insured can only be used for claims made by the Insured Person in respect of Benefits 1-4; ... The Restore Sum Insured cannot be used for claims based on Maternity Expenses/Treatment; ... not against any claim for an Illness (including its complications) for which a claim has been paid in the current Policy Year under Benefits 1-4; ... The Restore Sum Insured will only be applied once for the Insured Person during a Policy Year; ... it shall not be carried forward","sources":[{"clause":null,"heading":"Benefit 21. Restoration of the Sum Insured","page":13,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-benefit-21-restoration-of-the-sum-insured"},{"clause":"B(b)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-b-b-13"},{"clause":"B(c)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-b-c-11"},{"clause":"B(d)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-b-d-8"},{"clause":"B(f)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-b-f-2"},{"clause":"B(g)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-b-g"}],"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":"quote-verified","value":"If no claim is made except under Benefit 13 and the policy is renewed without break, the sum insured for the next policy year increases by 50% of the current policy year sum insured, up to a maximum of 100% of the first policy year sum insured. If a claim is made after a cumulative bonus has been applied, the bonus is reduced by 50% of the sum insured in the following policy year, without reducing the base sum insured.","display":"50% for each claim-free year up to 100%; after a claim, bonus reduces by 50%","note":null,"quote":"If no claim has been made in respect of any Benefits with the exception of any claim under Benefit 13 and the Policy is Renewed with Us without any break, We will apply a bonus to the next Policy Year by automatically increasing the Sum Insured for the next Policy Year by 50% of the Sum Insured for this Policy Year. The maximum bonus for any Policy Year will not exceed 100% of the Sum Insured of the first Policy Year. ... If a Cumulative Bonus has been applied and a claim is made, then in the subsequent Policy Year We will automatically decrease the Cumulative Bonus by 50% of the Sum Insured in the following Policy Year. However this reduction will not reduce the Sum Insured below the base Sum Insured of the Policy.","sources":[{"clause":"B(a)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-b-a-12"},{"clause":"B(b)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-b-b-12"}],"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":"The standard excluded-items annexure lists items for which coverage is not available, including gloves and masks. It also lists some items to be subsumed into room charges, procedure charges or cost of treatment.","display":"Some non-medical items are not covered; some are subsumed into room, procedure or treatment charges","note":null,"quote":"List I – Items for which coverage is not available in the Policy ... 56. | GLOVES ... 60. | MASK ... List II – Items that are to be subsumed into room charges ... List III – Items that are to be subsumed into Procedure Charges ... List IV – Items that are to be subsumed into cost of treatment","sources":[{"clause":"Annexure III","heading":null,"page":38,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-annexure-iii"}],"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 expenses are covered subject to plan sub-limits: normal delivery ranges from ₹15,000 to ₹50,000 and LSCS caesarian ranges from ₹25,000 to ₹1,00,000. The waiting period is at least 24 months for a dependent spouse when the insured and spouse have continuous cover, and 36 months when the insured person herself is covered; pre-natal 90 days and post-natal 45 days hospitalisation within maternity limits apply only under Superior and Premiere Plans.","display":"Covered with limits: normal delivery ₹15,000-₹50,000, LSCS ₹25,000-₹1,00,000; waiting 24 or 36 months","note":null,"quote":"We will pay the Reasonable and Customary Charges for Maternity Expenses/Treatment incurred for the Insured Person’s delivery ... at least 24 months of continuous coverage have elapsed from the inception of the first Health Total Policy with Us. ... at least 36 months of continuous coverage have elapsed from the inception of the first Health Total Policy with Us. ... Maternity benefit - normal delivery (in ₹) | 15,000 | 20,000 | 25,000 | 30,000 | 40,000 | 40,000 | 50,000 | 50,000 Maternity benefit - LSCS (caesarian) (in ₹) | 25,000 | 35,000 | 45,000 | 50,000 | 60,000 | 60,000 | 1,00,000 | 1,00,000 ... Pre-natal hospitalization (within maternity limits) | × | × | × | 90 days | 90 days | 90 days | 90 days | 90 days Post-natal hospitalization (within maternity limits) | × | × | × | 45 days | 45 days | 45 days | 45 days | 45 days","sources":[{"clause":null,"heading":"Benefit 5. Maternity Expenses","page":7,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-benefit-5-maternity-expenses"},{"clause":"B(a)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-b-a"},{"clause":"B(b)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-b-b"},{"clause":"Annexure II","heading":"Schedule of Benefits","page":34,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-annexure-ii"}],"law":[]},{"key":"newborn","label":"Newborn baby cover","section":"Cover","meaning":"Whether a newborn is covered from birth and for what.","status":"quote-verified","value":"Newborn baby cover applies for Superior Plan and Premiere Plan only if a maternity claim under Benefit 5 is accepted. It covers medically necessary treatment while the mother is hospitalised for delivery and covers the newborn until the policy year expiry within the mother's/floater sum insured without extra premium; vaccination expenses are covered up to the schedule sublimit until the newborn completes one year of age.","display":"Superior/Premiere only after accepted maternity claim; newborn covered within mother’s/floater SI to policy-year expiry, with vaccination sublimit up to 1 year","note":"Schedule sublimits for vaccination benefits are Max 3,500 for Superior Plan and Max 5,000 for Premiere Plan.","quote":"Benefit 15. Newborn Baby (applicable for Superior Plan and Premiere Plan only) ... If We have accepted a maternity benefits claim under Benefit 5, then We will also: ... Cover the Reasonable and Customary Charges for Medical Expenses towards the Medically Necessary treatment of the Insured Person’s Newborn Baby while Insured Person is Hospitalised as an in-patient for delivery and cover the Newborn Baby as an Insured Person until the expiry date of the Policy Year in which the Newborn Baby is born, within the Sum Insured as applicable for the Insured Person (mother) without payment of any additional premium. ... Cover the Reasonable and Customary Charges for vaccination expenses of the Newborn Baby upto the specified sublimit under the Schedule of Benefits for vaccinations, until the Newborn Baby completes one year of age.","sources":[{"clause":null,"heading":"Benefit 15. Newborn Baby (applicable for Superior Plan and Premiere Plan only)","page":10,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-benefit-15-newborn-baby-applicable-for-superior"},{"clause":"B(a)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-b-a-7"},{"clause":"B(b)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-b-b-7"}],"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":"quote-verified","value":"Annual health checkups are available as wellness benefits from the 2nd year of the policy with the insurer for already covered insured persons, at diagnostic centres. Tests and maximum insured persons differ by plan: Vital up to two persons, Superior up to three persons and Premiere up to four persons per policy/policy year.","display":"Annual health check-up from 2nd policy year; Vital max 2 persons, Superior max 3, Premiere max 4","note":null,"quote":"The annual health checkup can be conducted from 2nd year of the policy with Us, for the insured persons who were already covered under the policy. ... Vital Plan: Complete Blood count, Urine Routine, Random Blood Sugar (maximum two insured persons per policy /per policy year irrespective of family size) Superior Plan: Complete Blood Count, Urine Routine, Fasting blood Sugar, Post Prandial Blood Sugar, ECG, Serum Creatinine (maximum three insured persons per policy /per policy year irrespective of family size) Premiere Plan: Complete Blood Count, Urine Routine, Fasting blood Sugar, Post Prandial Blood Sugar, ECG, Serum Creatinine (maximum four insured persons per policy/ per policy year irrespective of family size) ... Annual health checkups will be provided at Our Diagnostic Centres only.","sources":[{"clause":null,"heading":"Benefit 19. Wellness Care","page":12,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-benefit-19-wellness-care"},{"clause":"B(a)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-b-a-11"}],"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":"OPD treatment is available only under Superior Plan and Premiere Plan. Superior reimburses consultation and diagnostic tests; Premiere reimburses consultation, diagnostic tests and prescribed medications; prescribed drugs are restricted to 80% of admissible bills, dental consultations and diagnostics to 70%, only allopathic treatment is covered, and the schedule limits apply.","display":"Superior/Premiere only; Superior consultation and diagnostics, Premiere consultation, diagnostics and medicines; limits up to ₹3,000/₹10,000 or ₹10,000/₹20,000 by plan/option","note":null,"quote":"Benefit 13. OPD Treatment (applicable for Superior Plan and Premiere Plan only) ... We will reimburse the Reasonable and Customary Charges arising from Medical Expenses incurred on OPD Treatment for consultation, diagnostic tests and medications for prescribed drugs ... If Superior Plan is in force We shall reimburse expenses towards consultation and diagnostic tests prescribed by the Medical Practitioner. ... If Premiere Plan is in force We shall reimburse expenses towards consultation, diagnostic tests and medications prescribed by the Medical Practitioner. ... In case of bills for any prescribed drugs/medicines Our liability will be restricted to 80% of admissible bills. ... In case of dental consultations and diagnostics Our liability will be restricted to 70% of admissible bills. ... Only Allopathic treatment will be covered under this Benefit. ... Out-patient consultations and diagnostics (reimbursement up to a maximum (in ₹) | × | × | × | 3,000 for Individ ual option/ 10,000 for floater option | 3,000 for Individu al option/ 10,000 for floater option | 3,000 for Individu al option/ 10,000 for floater option | 10,000 for Individu al option /20,000 for floater option | 10,00 0 for Indivi dual option /20,000 for floate r option","sources":[{"clause":null,"heading":"Benefit 13. OPD Treatment (applicable for Superior Plan and Premiere Plan only)","page":10,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-benefit-13-opd-treatment-applicable-for-superior"},{"clause":"B(a)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-b-a-6"},{"clause":"B(b)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-b-b-6"},{"clause":"B(c)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-b-c-6"},{"clause":"B(d)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-b-d-5"},{"clause":"B(f)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-b-f"},{"clause":"Annexure II","heading":"Schedule of Benefits","page":34,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-annexure-ii"}],"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 facility is available only at a network provider. For cashless, the insurer must be called and a pre-authorisation request made; if authorised and the procedure is followed, the insured person need not directly pay the network provider for medical expenses the insurer is liable to indemnify.","display":"Available only at network providers, subject to pre-authorisation","note":"Pre-authorisation does not guarantee that all costs and expenses incurred will be covered.","quote":"Cashless Facility is only available at a Network Provider. In order to avail Cashless Facility, the following procedure must be followed: ... For availing cashless at a Network Provider, We must be called at Our call centre and a request for pre-authorisation must be made by way of the written form prescribed by Us. ... If the above procedure is followed, the Insured Person 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":"11(e)(xi)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-11-e-xi"},{"clause":"11(a)(i)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-11-a-i"},{"clause":"11(a)(iii)","heading":null,"page":24,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-11-a-iii"}],"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 the insurer's claims team and the Generali Central Health (GCH) Claims Department.","display":"Generali Central Health (GCH) Claims Department / Our Claims team","note":null,"quote":"Our Claims team will scrutinize the claims on the receipt of the last necessary documents ... Claims Department Generali Central Health (GCH) Qubix Business Park","sources":[{"clause":null,"heading":"7. Claim settlement","page":26,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-7-claim-settlement"},{"clause":"Annexure III","heading":null,"page":38,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-annexure-iii"}],"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":"Yes, individual SI and family floater SI options are both available","note":null,"quote":"Individual SI / family floater SI options | Both | Both | Both | Both | Both | Both | Both | Both","sources":[{"clause":"Annexure II","heading":"Schedule of Benefits","page":34,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773#c-annexure-ii"}],"law":[]}],"documents":[{"kind":"wording","label":"Health Total Policy Wordings","pages":43,"fetched_at":"2026-10-17 19:33:03+00","source_url":"https://www.generalicentralinsurance.com/downloads/health-insurance/health-total/policy-wording/health-total-policy-wording.pdf","url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5773"},{"kind":"wording","label":"Health Total (IRDAI copy)","pages":32,"fetched_at":"2026-10-20 01:50:33+00","source_url":"https://irdai.gov.in/documents/37343/931203/FGIHLIP21163V022021_2020-2021.pdf/d1fd4162-c25d-a21c-94a0-19ac58aee7b8?version=1.1&t=1668579258022&download=true","url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/27469"},{"kind":"prospectus","label":"Health Total Prospectus Form","pages":41,"fetched_at":"2026-10-17 19:33:06+00","source_url":"https://www.generalicentralinsurance.com/downloads/health-insurance/health-total/prospectus-forms/health-total-prospectus.pdf","url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5777"},{"kind":"cis","label":"Health Total Customer Information Sheet","pages":11,"fetched_at":"2026-10-17 19:33:07+00","source_url":"https://www.generalicentralinsurance.com/downloads/health-insurance/health-total/customer-information-sheet/health-total-cis.pdf","url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5776"},{"kind":"brochure","label":"Health Total Product Brochure","pages":13,"fetched_at":"2026-10-17 19:32:57+00","source_url":"https://www.generalicentralinsurance.com/downloads/health-insurance/health-total/product-brochures/health-total-brochure.pdf","url":"https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425/document/5774"}],"versions":[{"uin":"FGIHLIP21163V022021","version":null,"approved_on":null},{"uin":"GCIHLIP25037V062425","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Generali Central Insurance official website","url":"https://www.generalicentralinsurance.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Motor claim process","url":"https://www.generalicentralinsurance.com/motor-insurance/motor-claim-process","note":null},{"purpose":"claim","kind":"insurer","name":"Other claim process","url":"https://www.generalicentralinsurance.com/other-claim-process","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://www.generalicentralinsurance.com/customer-service/grievance-redressal","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"renew","kind":"insurer","name":"Renewals","url":"https://www.generalicentralinsurance.com/renewals","note":null}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Health Total (UIN GCIHLIP25037V062425), IndiaInsurances, https://indiainsurances.com/policy/generali-central-insurance/health-total-gcihlip25037v062425"}