{"uin":"GCIHLIP26041V012526","name":"Health Unlimited","url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526","insurer":{"slug":"generali-central-insurance","name":"Generali Central Insurance Company Limited","url":"https://indiainsurances.com/insurer/generali-central-insurance"},"line":"health","category":"health-indemnity","category_name":"Health insurance (hospitalisation)","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Health Unlimited is an indemnity health policy with individual/non-floater and family floater cover types, sum insured options from ₹ 7.5 Lac to ₹ 200 Lac, and policy tenure of 1/2/3 Years. It has 30 Days initial waiting, 36 Months PED waiting, unlimited restoration from the second claim, OPD cover, maternity for higher sum insureds, and optional consumables cover, voluntary deductible and mandatory co-pay waiver.","analysis":{"state":"machine","analysed_at":"2026-10-19 19:58:22.739516+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":"not-stated","value":null,"display":null,"note":"The documents state cover types and sum insured options, but do not name plan variants.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"1/2/3 Years","display":"1/2/3 Years","note":null,"quote":"Policy Tenure | 1/2/3 Years","sources":[{"clause":null,"heading":"General Terms & Eligibility","page":39,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-general-terms-eligibility"}],"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 emergency hospitalization, notice must be sent within 24 hours from the date emergency hospitalization is required or before discharge, whichever is earlier. For planned hospitalization, notice must be at least 48 hours before admission; for reimbursement, notification must be immediately and in any event within 48 hours of admission.","display":"Emergency: within 24 hours or before discharge, whichever is earlier; planned: at least 48 hours prior; reimbursement: within 48 hours of admission","note":null,"quote":"Within 24 hours from the date of emergency hospitalization required or before the Insured Person’s discharge from Hospital, whichever is earlier. ... At least 48 hours prior to admission in Hospital in case of a planned Hospitalization. ... We must be given Notification of Claim immediately and in any event within 48 hours of admission to the Hospital.","sources":[{"clause":null,"heading":"5.3 Notification of Claim","page":37,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-5-3-notification-of-claim"},{"clause":null,"heading":"5.2 Procedure for Reimbursement Claims","page":37,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-5-2-procedure-for-reimbursement-claims"}],"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":["The claim form specified by Us duly completed and signed by the claimant or a family member","First consultation letter","First prescription from the Medical Practitioner","Original vouchers/ invoice of original bill","Original Hospital bills giving a detailed break up of all expense heads mentioned in the bill","Money receipt duly signed with a revenue stamp","Birth/Death certificate (as applicable)","The original Hospital discharge card/ summary","All original laboratory and diagnostic test reports such as X-Ray, E.C.G, USG, MRI Scan, Haemogram, etc.","Prescription and supporting medicine bill from the chemist, if medicines were bought in cash and not reflected in the Hospital bill","Prescription advising diagnostic or radiology tests, the actual test reports and the bill from the diagnostic centre, if paid in cash and not reflected in the Hospital bill","Copy of proposer’s photo ID proof & address proof","NEFT Form with photocopy of cancelled cheque with printed name of proposer","Copy of Operation theatre Notes, if applicable","Copy of the Claim Intimation, if any","Copies of health insurance policies held with any other insurer covering the insured persons","Certificate from the other insurer if a claim is partially settled by any other insurer","In death claims, a copy of the postmortem report (if any)"],"display":"Claim form, first consultation letter, first prescription, original bills and vouchers, money receipt, discharge summary, test reports, ID/address proof, NEFT/cancelled cheque, operation notes, claim intimation, other health policies, other-insurer certificate if applicable, and death claim documents if applicable","note":"The clause says the list is “including but not limited to” and that other information may be asked for.","quote":"1) The claim form specified by Us duly completed and signed by the claimant or a family member. 2) First consultation letter. 3) First prescription from the Medical Practitioner. 4) Original vouchers/ invoice of original bill. 5) Original Hospital bills giving a detailed break up of all expense heads mentioned in the bill. 6) Money receipt duly signed with a revenue stamp. 7) Birth/Death certificate (as applicable). 8) The original Hospital discharge card/ summary. 9) All original laboratory and diagnostic test reports such as X-Ray, E.C.G, USG, MRI Scan, Haemogram, etc. 10) 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. 11) 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. 12) Copy of proposer’s photo ID proof & address proof 13) NEFT Form with photocopy of cancelled cheque with printed name of proposer 14) Copy of Operation theatre Notes, if applicable 15) Copy of the Claim Intimation, if any 16) Copies of health insurance policies held with any other insurer covering the insured persons. 17) If a claim is partially settled by any other insurer, a certificate from the other insurer confirming the final claim amount settled by them and that original claim documents are retained at their end. ... In the event of Your/Insured Person’s death, You/Insured Person’s nominee/legal heir claiming on his/her behalf must inform Us immediately and send Us a copy of the postmortem report (if\nany).","sources":[{"clause":null,"heading":"5.3 Notification of Claim","page":37,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-5-3-notification-of-claim"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The Company shall settle or reject a claim within 15 days from receipt of the last necessary document. If investigation is warranted, it must complete investigation not later than 30 days from the last necessary document and settle or reject within 45 days from that date, with interest for delay.","display":"15 days from receipt of last necessary document; investigated claims within 45 days","note":"Delay attracts interest at 2% above the bank rate.","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. In such cases, the Company shall settle or reject the claim within 45 days from the date of receipt of last necessary document.","sources":[{"clause":null,"heading":"5.6 Claim Settlement (provision for Penal Interest)","page":38,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-5-6-claim-settlement-provision-for-penal-interes"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Pre-Existing Disease- Excl 01","Specified disease/procedure waiting period- Code- Excl02","30 days waiting period Excl-03","Investigation & Evaluation- Code- Excl04","Rest Cure, rehabilitation and respite care- Code- Excl05","Change-of-Gender treatments: Code- Excl07","Cosmetic or Plastic Surgery: Code- Excl08","Hazardous or Adventure sports: Code- Excl09","Breach of law: Code- Excl10","Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof","Sterility and Infertility: Code- Excl17","Treatment outside India"],"display":"Main exclusions include PED waiting, specified disease/procedure waiting, 30 days waiting, investigation/evaluation, rest cure, change of gender, cosmetic/plastic surgery, hazardous sports, breach of law, substance abuse, sterility/infertility, and treatment outside India","note":"Medical Treatment Abroad is an exception where the policy specifically provides that benefit.","quote":"Pre-Existing Disease- Excl 01 ... Excl02 Specified disease/procedure waiting period- Code- Excl02 ... 3.1.3 30 days waiting period Excl-03 ... Excl04 Investigation & Evaluation- Code- Excl04 ... Excl05 Rest Cure, rehabilitation and respite care- Code- Excl05 ... Excl07 Change-of-Gender treatments: Code- Excl07 ... Excl08 Cosmetic or Plastic Surgery: Code- Excl08 ... Excl09 Hazardous or Adventure sports: Code- Excl09 ... Excl10 Breach of law: Code- Excl10 ... Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. ... Excl17 Sterility and Infertility: Code- Excl17 ... 3.2.14 Treatment outside India.","sources":[{"clause":null,"heading":"3.1 Standard Exclusions","page":25,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-3-1-standard-exclusions"},{"clause":"Excl02","heading":"Specified disease/procedure waiting period- Code- Excl02","page":25,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-excl02"},{"clause":null,"heading":"3.1.3 30 days waiting period Excl-03","page":26,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-3-1-3-30-days-waiting-period-excl-03"},{"clause":"Excl04","heading":"Investigation & Evaluation- Code- Excl04","page":26,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-excl04"},{"clause":"Excl05","heading":"Rest Cure, rehabilitation and respite care- Code- Excl05","page":26,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-excl05"},{"clause":"Excl07","heading":"Change-of-Gender treatments: Code- Excl07","page":26,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-excl07"},{"clause":"Excl08","heading":"Cosmetic or Plastic Surgery: Code- Excl08","page":26,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-excl08"},{"clause":"Excl09","heading":"Hazardous or Adventure sports: Code- Excl09","page":27,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-excl09"},{"clause":"Excl10","heading":"Breach of law: Code- Excl10","page":27,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-excl10"},{"clause":"Excl12","heading":"Code- Excl12","page":27,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-excl12"},{"clause":"Excl17","heading":"Sterility and Infertility: Code- Excl17","page":27,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-excl17"},{"clause":null,"heading":"3.2 Specific Exclusions","page":28,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-3-2-specific-exclusions"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"The insured may first contact the company through its website, toll-free numbers, email, courier to the Grievance Redressal Cell, or any branch. If not satisfied, the insured may contact the grievance officer at GCIGRO@generalicentral.com or call 7900197777, and then approach the Insurance Ombudsman.","display":"First contact the company or Grievance Redressal Cell; then GCIGRO@generalicentral.com / 7900197777; then Insurance Ombudsman","note":null,"quote":"In case of any grievance, the Insured Person may contact the company through Website: https://generalicentralinsurance.com Toll Free: 1800-220-233 / 1860-500-3333 / 022-67837800 Email: GCIcare@generalicentral.com\nCourier: Grievance Redressal Cell, Generali Central Insurance Company Ltd. Unit No. 301, 3rd Floor Part, Building No. 8, Mindspace IT/ITES SEZ, MIDC Industrial Area, Airavali, Navi Mumbai, Thane District – 400 708. Insured person may also approach the grievance cell at any of the company's branches with the details of grievance.\nlf lnsured person is not satisfied with the redressal of grievance through one of the above methods, Insured Person may contact the grievance officer at GCIGRO@generalicentral.com or call at: 7900197777","sources":[{"clause":null,"heading":"4.1.18 Redressal of Grievance","page":32,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-4-1-18-redressal-of-grievance"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"quote-verified","value":"₹ 7.5, 10, 15, 25, 50, 100, 200 Lac","display":"₹ 7.5, 10, 15, 25, 50, 100, 200 Lac","note":null,"quote":"Sum Insured offering | ₹ 7.5, 10, 15, 25, 50, 100, 200 Lac","sources":[{"clause":null,"heading":"General Terms & Eligibility","page":39,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-general-terms-eligibility"}],"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":"The 30 days waiting period excludes accident claims and does not apply after Continuous Coverage for more than twelve months.","quote":"Initial Waiting Period | 30 Days","sources":[{"clause":null,"heading":"General Terms & Eligibility","page":39,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-general-terms-eligibility"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"quote-verified","value":{"unit":"months","amount":36},"display":"36 Months","note":"On enhancement of sum insured, the exclusion applies afresh to the enhanced portion.","quote":"Pre-Existing Disease Waiting Period | 36 Months","sources":[{"clause":null,"heading":"General Terms & Eligibility","page":39,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-general-terms-eligibility"}],"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/ 36 Months","note":"Some listed diseases/procedures carry 36 months and others carry 24 months; accident claims are excluded from this waiting period.","quote":"Specific Waiting Period | 24/ 36 Months","sources":[{"clause":null,"heading":"General Terms & Eligibility","page":39,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-general-terms-eligibility"}],"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":["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","All types of nasal and para nasal sinus related disorders","Hydrocele","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","LASIK surgery for eyes"],"display":"Rheumatoid Arthritis, Gout, degenerative joint replacement, age-related osteoarthritis/osteoporosis, cataracts, BPH, hernia, DNS, turbinate, nasal/sinus disorders, hydrocele, fistulae/hemorrhoids/fissure, gynecological conditions, tumors/cysts/nodules/polyps, prolapsed disc surgery, varicose veins/ulcers, ulcers, urinary/biliary stones, ear/tonsil surgery, LASIK","note":null,"quote":"A. Waiting period of 36 months:\ni) Rheumatoid Arthritis\nii) Gout\niii) Joint replacement Surgery due to degenerative condition\niv) Age related Osteoarthritis and Osteoporosis unless such joint replacement Surgery is Medically Necessary due to Injury.\nB. Waiting period of 24 months:\ni. Cataracts\nii. Benign Prostatic Hypertrophy\niii. Hernia of all types\niv. Deviated Nasal Septum\nv) Hypertrophied Turbinate\nvi) All types of nasal and para nasal sinus related disorders\nvii) Hydrocele\nviii) Fistulae, hemorrhoids, fissure in ano\nix) Dysfunctional uterine bleeding, Fibromyoma, Endometriosis, Hysterectomy,\nx) All internal or external tumors/cysts/nodules/polyps of any kind including breast lumps with exception of malignant tumor or growth\nxi) Surgery for prolapsed inter vertebral disc unless arising from Accident\nxii) Surgery of varicose veins and varicose ulcers\nxiii) Any types of gastric or duodenal ulcers\nxiv) Stones in the urinary and biliary systems\nxv) Surgery on ears and tonsils.\nxvi) LASIK surgery for eyes","sources":[{"clause":"Excl02","heading":"Specified disease/procedure waiting period- Code- Excl02","page":25,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-excl02"}],"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 on the enhanced limits.","quote":"After completion of sixty continuous months of coverage (including portability and migration) in health insurance policy, no policy and claim shall be contestable by the insurer on grounds of non-disclosure, misrepresentation, except on grounds of established fraud. ... This period of sixty continuous months is called as moratorium period.","sources":[{"clause":"Excl18(a)","heading":null,"page":31,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-excl18-a-11"},{"clause":"Excl18(b)","heading":null,"page":31,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-excl18-b-11"}],"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 may 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, and waiting-period, no-claim-bonus and moratorium credits can be transferred.","display":"Can port at renewal with credit for Sum Insured, No Claim Bonus, Specific Waiting periods, PED waiting period and Moratorium period","note":null,"quote":"The insured person will have the option to port the policy to other insurers at the time of renewal by applying to such insurer to port the entire policy along with all the members of the family, if any, at least 30 days before, but not earlier than 60 days from the due date for renewal as per IRDAI guidelines related to portability. ... 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":"4.2.4 Portability","page":33,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-4-2-4-portability"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"quote-verified","value":true,"display":"Lifelong","note":null,"quote":"Renewal | Lifelong","sources":[{"clause":null,"heading":"General Terms & Eligibility","page":39,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-general-terms-eligibility"}],"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 shall apply on renewals based on individual claims experience.","display":"No loading on renewals based on individual claims experience","note":null,"quote":"No loading shall apply on renewals based on individual claims experience","sources":[{"clause":null,"heading":"4.2.6 Renewal of Policy","page":35,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-4-2-6-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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The policyholder may cancel at any time by giving 7 days written notice. If no claims are reported, premium is refunded pro rata for the unexpired policy or instalment period; if claims are reported, there is no refund for the current one-year policy or current policy/instalment period, with unused subsequent policy years refunded for 2/3 year single-premium policies.","display":"7 days written notice; pro-rata refund if no claims; no refund for current policy/instalment period if claims reported","note":null,"quote":"The policyholder may cancel this policy at any time 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 ... 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. ... 1/2/3 years Policy Term - There shall be no refund of premium for the unexpired instalment period.","sources":[{"clause":"Excl18(a)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-excl18-a-13"},{"clause":"Excl18(b)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-excl18-b-13"},{"clause":"Excl18(c)(i)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-excl18-c-i"},{"clause":"Excl18(c)(ii)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-excl18-c-ii"}],"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 India. Medical Treatment Abroad applies only to specified treatments/procedures outside India and is available for the higher sum insured options shown in the schedule.","display":"India, except Medical Treatment Abroad for specified treatments outside India","note":"The schedule states Medical Treatment Abroad is for ₹ 100 L and ₹ 200 L sum insured options.","quote":"Except as provided in Section 2.1.16 (Medical Treatment Abroad), 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. ... We shall reimburse the Charges for Medical Expenses necessarily incurred by the Insured Person, for treatment / surgical procedure of the below listed condition/diseases, outside India","sources":[{"clause":"Excl18(a)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-excl18-a-4"},{"clause":"2.1.15(a)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-2-1-15-a"}],"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":"30 days","note":"Applicable at inception of the policy and not on renewals or at the time of porting the policy.","quote":"The Insured Person shall be allowed free look period of 30 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":"Excl18(b)","heading":null,"page":31,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-excl18-b-8"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days; 15 days for monthly premium mode","note":"For renewal at the end of the policy period, the wording states Grace Period of 30 days.","quote":"The grace period for payment of the premium for all types of insurance policies shall be: fifteen days where premium payment mode is monthly and thirty days in all other cases.","sources":[{"clause":"1.24","heading":"Grace period","page":3,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-1-24"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"Minimum entry age is 18 Years for adults and 91 Days for children. Maximum entry age is 65 Years for adults and 25 Years for children.","display":"Adults: 18 Years to 65 Years; Children: 91 Days to 25 Years","note":null,"quote":"Min. Entry Age (Adult) | 18 Years\nMax. Entry Age (Adult) | 65 Years\nMin. Entry Age (Children) | 91 Days\nMax. Entry Age (Children) | 25 Years","sources":[{"clause":null,"heading":"General Terms & Eligibility","page":39,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-general-terms-eligibility"}],"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","Monthly","Quarterly","Half Yearly"],"display":"Single/ Monthly/ Quarterly/ Half Yearly","note":null,"quote":"Premium Payment Option | Single/ Monthly/ Quarterly/ Half Yearly","sources":[{"clause":null,"heading":"General Terms & Eligibility","page":39,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-general-terms-eligibility"}],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"quote-verified","value":["Voluntary Deductible (Annual Aggregate)","Consumables / Non- Medical Expenses Cover","Mandatory Co-Pay Waiver"],"display":"Voluntary Deductible, Consumables / Non- Medical Expenses Cover, Mandatory Co-Pay Waiver","note":null,"quote":"Voluntary Deductible (Annual Aggregate) | ₹ 10K/25K/ 50K | ₹ 10K/25K/ 50K | ₹ 50K/75K/1 Lac | ₹ 50K/75K/ 1 Lac | ₹ 1 Lac/ 3 Lac/ 5 Lac | ₹ 1 Lac/ 3 Lac/ 5 Lac | ₹ 1 Lac/ 3 Lac/ 5 Lac\nConsumables / Non- Medical Expenses Cover | Up to SI | Up to SI | Up to SI | Up to SI | Up to SI | Up to SI | Up to SI\nMandatory Co-Pay Waiver | Available | Available | Available | Available | Available | Available | Available","sources":[{"clause":null,"heading":"Optional Covers","page":41,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-optional-covers"}],"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. If premium is paid in instalments during the policy period, coverage will be available during that grace period.","display":"Renewal grace period: coverage not available; instalment grace period: coverage available","note":null,"quote":"At the end of the policy period, the policy shall terminate and can be renewed within the Grace Period of 30 days, to maintain continuity of benefits without break in policy. Coverage is not available during the Grace Period. ... If the premium is paid in instalments during the Policy Period, coverage will be available during such Grace Period.","sources":[{"clause":null,"heading":"4.2.6 Renewal of Policy","page":35,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-4-2-6-renewal-of-policy"},{"clause":null,"heading":"4.2.7 Premium Payment in Instalment","page":35,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-4-2-7-premium-payment-in-instalment"}],"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":"quote-verified","value":"ICU charges are covered Up to SI for all listed sum insured options.","display":"Up to SI","note":null,"quote":"Room Rent Limit - ICU | Up to SI | Up to SI | Up to SI | Up to SI | Up to SI | Up to SI | Up to SI","sources":[{"clause":null,"heading":"Base Covers","page":39,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-base-covers"}],"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":"quote-verified","value":"If the insured is admitted to a room at rates above the admissible room rent limits, the insurer reimburses associated medical expenses in the proportion of the admissible rate per day to the actual room rent per day. It does not apply to ICU charges and certain hospitals/expenses, or where room rent has no capping.","display":"Yes, associated medical expenses are reduced in the same proportion if room rates exceed the admissible Room Rent limits","note":null,"quote":"In case the Insured Person is admitted to a Room at rates above the admissible Room Rent limits as specified in the Schedule of Benefits, then we will reimburse / pay all other associated medical expenses incurred at the Hospital as per the proportion of the admissible rate per day to the actual rate per day of Room Rent. Proportionate Deductions shall not be applied to the following:\na) in respect of Hospitals which do not follow differential billing or for those expenses in respect of which differential billing is not adopted based on room category.\nb) to ICU Charges\nc) in respect of the Policy where the Policyholder has opted for Room Rent without any capping.","sources":[{"clause":null,"heading":"4.2.8 Proportionate Deduction","page":36,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-4-2-8-proportionate-deduction"}],"law":[]},{"key":"copay","label":"Co-payment","section":"Limits and co-pay","meaning":"The share of every admissible claim you pay yourself, and when it applies (age, zone, choice of hospital).","status":"quote-verified","value":"A mandatory Co-Payment of 20% applies on each and every claim for insured persons aged 61 years and above at first policy issuance, except OPD treatment and Wellness Benefits. OPD treatment has 30% co-payment, and a 15% zonal co-payment applies if Zone 2 is selected and treatment is taken in Zone 1.","display":"20% mandatory co-pay for first entry age 61 years and above; 30% OPD co-pay; 15% zonal co-pay for Zone 2 treated in Zone 1","note":"Mandatory Co-Pay Waiver is available as an optional cover.","quote":"The mandatory Co-Payment of 20% shall be applicable on each and every claim ... all the Insured Persons who are aged 61 years and above at the time of issuance of the first Policy with Us. ... OPD Treatment | ₹ 5 K | ₹ 5 K | ₹ 5 K | ₹ 7.5 K | ₹ 10 K | ₹ 10 K | ₹ 10 K\nConsultations/ Diagnostics are covered. 30% Co-Pay applicable ... If You select Zone 2, then 15% Co-payment will apply for treatment in Zone 1","sources":[{"clause":null,"heading":"5.7 Co-Payments Applicable under the Policy","page":38,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-5-7-co-payments-applicable-under-the-policy"},{"clause":null,"heading":"Base Covers","page":39,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-base-covers"},{"clause":null,"heading":"4.2.9 Zone wise Premium payment","page":36,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-4-2-9-zone-wise-premium-payment"}],"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 deductible applies only if the optional Voluntary Deductible is opted. It applies on an aggregate basis for all admissible claims under the policy, subject to listed exceptions.","display":"Optional Voluntary Deductible on aggregate basis","note":"Options shown in the schedule are ₹ 10K/25K/50K for ₹ 7.5 L and ₹ 10 L, ₹ 50K/75K/1 Lac for ₹ 15 L and ₹ 25 L, and ₹ 1 Lac/3 Lac/5 Lac for ₹ 50 L, ₹ 100 L and ₹ 200 L.","quote":"The benefits available under the Optional Cover are to be selected by You based on Your requirement. Such selected benefits will be included in the Policy on payment of additional premium to Us. ... If a Voluntary Deductible has been opted for and is in force under the Policy, our liability would be over and above the Voluntary Deductible amount on aggregate basis for all the admissible claims under the policy.","sources":[{"clause":null,"heading":"2.2. OPTIONAL COVERS","page":24,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-2-2-optional-covers"},{"clause":null,"heading":"2.2.2 Voluntary Deductible","page":24,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-2-2-2-voluntary-deductible"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":null,"quote":"Pre-Hospitalization Medical Expenses | 60 Days | 60 Days | 60 Days | 60 Days | 60 Days | 60 Days | 60 Days","sources":[{"clause":null,"heading":"Base Covers","page":39,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-base-covers"}],"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":"90 Days applies for ₹ 7.5 L, ₹ 10 L and ₹ 15 L sum insured; 180 Days applies for ₹ 25 L and above.","quote":"Post-Hospitalization Medical Expenses | 90 Days | 90 Days | 90 Days | 180 Days | 180 Days | 180 Days | 180 Days","sources":[{"clause":null,"heading":"Base Covers","page":39,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-base-covers"}],"law":[]},{"key":"day_care","label":"Day-care treatments","section":"Cover","meaning":"Treatments needing less than 24 hours in hospital (chemotherapy, dialysis, cataract) and whether all or only listed ones are covered.","status":"quote-verified","value":"Day Care Treatment medical expenses are covered up to the annual Sum Insured. It covers procedures requiring inpatient hospitalization for less than 24 hours, including but not limited to intravenous chemotherapy, radiotherapy and hemodialysis, but excludes OPD treatment and diagnostic services under this benefit.","display":"Covered up to Sum Insured for less than 24 hours in hospital, including but not limited to chemotherapy, radiotherapy and hemodialysis","note":null,"quote":"We will cover the Medical Expenses incurred in respect of the Day Care Treatment of the Insured Person during the Policy Period up to the Annual Sum Insured as specified in the Policy Schedule provided that:\na) Day Care treatment requires hospitalization as an inpatient for less than 24 hours in a hospital.\nb) We will also cover Medical Expenses incurred for procedures including but not limited to intravenous chemotherapy, radiotherapy, hemodialysis or any other therapeutic procedure","sources":[{"clause":"2.1.2","heading":"Daycare Treatment","page":8,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-2-1-2"}],"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":"Home Health Care Expenses are covered up to 25% of the Sum Insured, only on cashless authorization through an empaneled Home Health Care Service Provider, when hospital-level treatment is taken at home for specified reasons including inability to move to hospital, non-availability of bed/room, government-notified non-availability of hospital services, chemotherapy and dialysis at home, and eligible treatment for children up to 15 years.","display":"Home Health Care covered up to 25% of Sum Insured on cashless basis through empaneled provider","note":"Only Allopathic treatment is covered; attendant/nursing services are not covered.","quote":"We will cover the reasonable and customary charges up to a maximum of 25% of the Sum Insured (excluding the Cumulative Bonus, if any) towards Medical Expenses incurred for Home Health Care Services opted during the Policy Year and availed through Our empaneled Home Health Care Service Provider, on Cashless Facility basis ... i) The condition of the patient is such that he/she is not in a condition to be moved to a Hospital, or\nii) The patient takes treatment at home on account of non-availability of bed / room in a Hospital, or\niii) Non-availability of Hospital Services due to any prevailing conditions /Government Notification.\niv) Chemotherapy and dialysis at home.\nv) For children up to the age of 15 years if treated at home instead of hospitalization","sources":[{"clause":"2.1.12","heading":"Home Health Care Expenses","page":11,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-2-1-12"}],"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":"AYUSH inpatient treatment is covered up to the Sum Insured if the insured is hospitalized for not less than 24 hours in an AYUSH Hospital on medical advice, and the treatment is in a government hospital.","display":"AYUSH Treatment up to SI; inpatient admission for not less than 24 hrs in a government hospital","note":null,"quote":"If the Insured Person is Hospitalized for not less than 24 hrs, in an AYUSH Hospital on the advice of a Medical Practitioner/Doctor because of Illness or Accidental Bodily Injury sustained or contracted during the Policy Period then We will pay In-patient Treatment- Medical Expenses for AYUSH treatment ... AYUSH Treatment | Up to SI | Up to SI | Up to SI | Up to SI | Up to SI | Up to SI | Up to SI ... ii) the treatment has been undergone in a government hospital","sources":[{"clause":"2.1.7","heading":"AYUSH Treatment","page":9,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-2-1-7"},{"clause":null,"heading":"Base Covers","page":39,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-base-covers"}],"law":[{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 1","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 2","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 1","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II A.I(1)","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"modern_treatments","label":"Modern treatments","section":"Cover","meaning":"Robotic surgery, immunotherapy, oral chemotherapy, stem cell therapy and the like, and any cap on them.","status":"quote-verified","value":"Modern Treatment Method and Advancement in Technologies are covered up to the Sum Insured under inpatient hospitalization or day care treatment, including listed procedures such as uterine artery embolization and HIFU, balloon sinuplasty, deep brain stimulation, oral chemotherapy, immunotherapy, intra vitreal injections, robotic surgeries, stereotactic radio surgeries, bronchial thermoplasty, prostate vaporisation, IONM and hematopoietic stem cell therapy for bone marrow transplant.","display":"Covered up to SI for listed modern treatments including robotic surgeries, immunotherapy, oral chemotherapy and stem cell therapy for bone marrow transplant","note":null,"quote":"Modern Treatment Methods & Advancement in Technologies | Up to SI | Up to SI | Up to SI | Up to SI | Up to SI | Up to SI | Up to SI ... We will cover medical expenses incurred on the following procedures:\na) Uterine Artery Embolization and HIFU (High intensity focused ultrasound)\nb) Balloon Sinuplasty\nc) Deep Brain stimulation\nd) Oral chemotherapy\ne) Immunotherapy - Monoclonal Antibody to be given as injection.\nf) Intra vitreal injections\ng) Robotic surgeries\nh) Stereotactic radio surgeries\ni) Bronchical Thermoplasty\nj) Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)\nk) IONM - (Intra Operative Neuro Monitoring)\nl) Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for hematological conditions to be covered.","sources":[{"clause":null,"heading":"Base Covers","page":39,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-base-covers"},{"clause":"2.1.6","heading":"Modern Treatments Method and Advancement in Technologies","page":9,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-2-1-6"}],"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":"Organ donor medical expenses for harvesting the donated organ are covered up to the Sum Insured, if the organ is for the insured person, the inpatient hospitalization claim for the insured is accepted, and the transplant is medically advised. Donor screening, donor pre/post hospitalization, acquisition costs and other expenses are excluded.","display":"Organ donor harvesting expenses up to SI, with donor screening and donor pre/post hospitalization excluded","note":null,"quote":"We will pay the reasonable & customary charges for medical expenses incurred for an organ donor’s treatment for the harvesting of the organ donated, up to the Sum Insured as specified in the Schedule of Benefits ... Special Exclusions:\ni) Any expenses other than specified above\nii) Cost towards donor screening\niii) Pre / Post Hospitalization expenses of the Organ Donor\niv) Costs directly or indirectly associated with the acquisition of the donor’s organ.","sources":[{"clause":"2.1.5","heading":"Organ Donor Expenses","page":9,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-2-1-5"}],"law":[]},{"key":"ambulance","label":"Ambulance cover","section":"Cover","meaning":"Road (and air) ambulance cover and its limit.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"A Restore Sum Insured equal to 100% of the Base Sum Insured is automatically available unlimited times during the Policy Year. It triggers only after Base Sum Insured, Cumulative Bonus and Inflation Guard are exhausted, not for the first claim, is limited to one Base Sum Insured for a single claim event, can be triggered once for a single claim event, and can be used for same illness or new illness for Sections 2.1.1 to 2.1.4.","display":"100% of Base Sum Insured, unlimited times, from the second claim onwards, for same or new illness","note":"Restoration is not applicable to Medical Treatment Abroad.","quote":"Under this benefit a Restore Sum Insured (equal to 100% of the Base Sum Insured excluding Cumulative Bonus, if any) will automatically be available for unlimited times during the Policy Year ... This benefit will not be triggered for the first claim made during the Policy Year. The benefit shall be applicable from the second claim onwards. ... The Restore Sum Insured can be used for claims made for same illness/new illness in respect of Section 2.1.1 to Section 2.1.4.","sources":[{"clause":null,"heading":"2.1.18 Unlimited Restoration of Sum Insured","page":21,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-2-1-18-unlimited-restoration-of-sum-insured"},{"clause":"Row 4(b)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-row-4-b-3"},{"clause":"Row 4(e)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-row-4-e-2"}],"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":"conflicting","value":"Cumulative Bonus increases by 50% for each claim-free policy year, except claims under OPD Expenses Cover and Wellness Benefits, up to 100% of the expiring Sum Insured or renewal Policy Sum Insured, whichever is lower. If a claim is made in a policy year, accrued cumulative bonus is reduced at the same rate at which it accrued.","display":"50% per claim-free policy year, maximum 100%; reduced at the same rate after a claim","note":"CIS says: “CB shall neither be reduced by 50 % in case of claims, subject to a minimum amount of zero.” The policy wording says it is reduced at the same rate at which it accrued.","quote":"Cumulative Bonus shall be increased by 50% in respect of each claim free policy year (where no claims are reported) with the exception of any claim under Section 2.1.14 (OPD Expenses Cover) and Section 2.1.17 (Wellness Benefits), provided the policy is renewed with Us without a break subject to accumulation up to a maximum of 100% of the expiring Sum Insured or the renewal Policy Sum Insured, whichever is lower. ... If a claim is made in any particular Policy Year, the cumulative bonus accrued shall be reduced at the same rate at which it has accrued.","sources":[{"clause":null,"heading":"2.1.17 Cumulative Bonus","page":20,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-2-1-17-cumulative-bonus"},{"clause":"Row 4(b)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-row-4-b-2"},{"clause":null,"heading":"HEALTH UNLIMITED","page":1,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5781#c-health-unlimited-2"}],"law":[]},{"key":"consumables","label":"Consumables and non-medical items","section":"Cover","meaning":"Gloves, PPE, syringes and other items hospitals bill that standard policies exclude; whether this policy pays them.","status":"quote-verified","value":"Consumables and non-medical expenses are covered only if the optional Consumables / Non-medical Expenses Cover is selected for additional premium. It covers expenses listed in List I, if used during inpatient treatment related to medical or surgical care and the inpatient or daycare claim is accepted; pre and post hospitalization expenses are excluded.","display":"Optional cover: consumables and non-medical expenses up to SI","note":"Pre and post hospitalization expenses are excluded from this optional cover.","quote":"The benefits available under the Optional Cover are to be selected by You based on Your requirement. Such selected benefits will be included in the Policy on payment of additional premium to Us. ... We will cover for expenses incurred towards consumables and non-medical expenses which are listed in “List I – Items for which coverage is not available in the Policy” under Annexure I ... Consumables / Non- Medical Expenses Cover | Up to SI | Up to SI | Up to SI | Up to SI | Up to SI | Up to SI | Up to SI","sources":[{"clause":null,"heading":"2.2. OPTIONAL COVERS","page":24,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-2-2-optional-covers"},{"clause":null,"heading":"2.2.1 Consumables / Non-medical Expenses Cover","page":24,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-2-2-1-consumables-non-medical-expenses-cover"},{"clause":null,"heading":"Optional Covers","page":41,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-optional-covers"}],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Whether childbirth costs are covered, the limit and the waiting period.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"newborn","label":"Newborn baby cover","section":"Cover","meaning":"Whether a newborn is covered from birth and for what.","status":"not-stated","value":null,"display":null,"note":"The policy defines “Newborn Baby” but the extracted clauses do not state a newborn baby cover benefit.","quote":null,"sources":[],"law":[]},{"key":"mental_illness","label":"Mental illness","section":"Cover","meaning":"Cover for in-patient treatment of mental illness.","status":"not-stated","value":null,"display":null,"note":"The wording states OPD consultations/diagnostics for Mental/Psychiatric illness, but does not specifically state inpatient mental illness cover.","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":"Health check-up is available as a Wellness Benefit as per the plan in force, for everyone from 18 years onwards, from the 1st year of the Health Unlimited policy, at empaneled diagnostic centres.","display":"Health check-up from 1st year for insured persons 18 years onwards at empaneled diagnostic centres","note":"Tests differ by sum insured.","quote":"Insured Person will be eligible for “Health checkup” as per the Plan in force under the Policy. Everyone from 18 years onwards is eligible for availing the Health Checkup. The health checkup can be conducted from 1st year of the “Health Unlimited” policy with Us. Health checkup will be provided at Our Wellness partner empaneled Diagnostic Centres only.","sources":[{"clause":null,"heading":"5. Health checkup","page":15,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-5-health-checkup"}],"law":[]},{"key":"opd","label":"Out-patient (OPD) cover","section":"Cover","meaning":"Doctor consultations, tests and medicines without admission, and the limit.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"quote-verified","value":"Premium is calculated based on Sum Insured, Age and Zone; the default zone is based on residence. Zone 1 listed cities include Pune, Mumbai, Bangalore, New Delhi, Chennai, Hyderabad, Gurgaon, Kolkata, Thane, Ahmedabad, Indore, Vadodara, Noida, Secunderabad, Panvel, Navi Mumbai, Surat and Gandhi Nagar, and Zone 2 is the rest of India. If Zone 2 is selected, 15% co-payment applies for treatment in Zone 1.","display":"Premium depends on Zone; Zone 2 treatment in Zone 1 has 15% co-payment","note":null,"quote":"Premium will be calculated based on the Sum Insured opted, Age and Zone. ... The default Zone of Cover will be based on location of your residence. ... Zone 1 | Pune, Mumbai, Bangalore, New Delhi, Chennai, Hyderabad, Gurgaon, Kolkata, Thane, Ahmedabad, Indore, Vadodara, Noida, Secunderabad, Panvel, Navi Mumbai, Surat, Gandhi Nagar.\nZone 2 | Rest of India ... If You select Zone 2, then 15% Co-payment will apply for treatment in Zone 1","sources":[{"clause":null,"heading":"4.2.9 Zone wise Premium payment","page":36,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-4-2-9-zone-wise-premium-payment"}],"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. If pre-authorization is approved and the specified documents are produced at admission, the insured is not required to directly pay covered medical expenses to the Network Provider.","display":"Cashless Facility only at a Network Provider","note":"Pre-authorization does not guarantee that all costs and expenses will be covered.","quote":"Cashless Facility is only available at a Network Provider. ... 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":null,"heading":"5. CLAIM PROCEDURES","page":36,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-5-claim-procedures"}],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"not-stated","value":null,"display":null,"note":"The wording says notice is to the Company/TPA (if applicable), but does not state whether a TPA is appointed for this product.","quote":null,"sources":[],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"quote-verified","value":true,"display":"Family Floater","note":"Family Floater relationship covered is Self + Spouse/Live-in partner + 3 Children up to 25 Years; for parents, separate floater policy can be taken.","quote":"Cover Type | • Family Floater • Individual / Non-Floater","sources":[{"clause":null,"heading":"General Terms & Eligibility","page":39,"url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780#c-general-terms-eligibility"}],"law":[]}],"documents":[{"kind":"wording","label":"Health Unlimited Policy Wordings","pages":47,"fetched_at":"2026-10-17 19:33:10+00","source_url":"https://www.generalicentralinsurance.com/downloads/health-insurance/health-unlimited/policy-wording/health-unlimited-policy-wording.pdf","url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5780"},{"kind":"prospectus","label":"Health Unlimited Prospectus Form","pages":39,"fetched_at":"2026-10-17 19:33:13+00","source_url":"https://www.generalicentralinsurance.com/downloads/health-insurance/health-unlimited/prospectus-forms/health-unlimited-prospectus.pdf","url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5784"},{"kind":"cis","label":"Health Unlimited Customer Information Sheet","pages":10,"fetched_at":"2026-10-17 19:33:14+00","source_url":"https://www.generalicentralinsurance.com/downloads/health-insurance/health-unlimited/customer-information-sheet/health-unlimited-cis.pdf","url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5781"},{"kind":"brochure","label":"Health Unlimited Product Brochure","pages":21,"fetched_at":"2026-10-17 19:33:04+00","source_url":"https://www.generalicentralinsurance.com/downloads/health-insurance/health-unlimited/product-brochures/health-unlimited-brochure.pdf","url":"https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526/document/5775"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Generali Central Insurance official website","url":"https://www.generalicentralinsurance.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Motor claim process","url":"https://www.generalicentralinsurance.com/motor-insurance/motor-claim-process","note":null},{"purpose":"claim","kind":"insurer","name":"Other claim process","url":"https://www.generalicentralinsurance.com/other-claim-process","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://www.generalicentralinsurance.com/customer-service/grievance-redressal","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"renew","kind":"insurer","name":"Renewals","url":"https://www.generalicentralinsurance.com/renewals","note":null}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Health Unlimited (UIN GCIHLIP26041V012526), IndiaInsurances, https://indiainsurances.com/policy/generali-central-insurance/health-unlimited-gcihlip26041v012526"}