{"uin":"GODHLIP23185V012223","name":"Disability and HIV/AIDS Insurance Policy","url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223","insurer":{"slug":"go-digit-general-insurance","name":"Go Digit General Insurance Limited","url":"https://indiainsurances.com/insurer/go-digit-general-insurance"},"line":"health","category":"disease-specific","category_name":"Disease-specific cover","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"An individual one-year indemnity hospitalisation policy from Go Digit for persons with a certified specified disability of at least forty percent and/or persons with HIV/AIDS, with a sum insured of 4 lacs or 5 lacs. Every claim carries a 20% co-payment unless the waiver is bought, the pre-existing disability has a 24-month waiting period and other pre-existing diseases 36 months, and anti-retroviral treatment is excluded.","analysis":{"state":"extracted","analysed_at":"2026-10-16 06:29:30.261023+00","note":"Every stated fact carries a verbatim quote found in the cited clause."},"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":"No named plans; the policy covers persons with specified disabilities and/or persons with HIV/AIDS under one cover.","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":"cross-checked","value":"One year.","display":"1 year","note":null,"quote":"Policy Period | 1 Year","sources":[{"clause":null,"heading":"11. TABLE OF BENEFITS","page":18,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/33#c-11-table-of-benefits"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"cross-checked","value":"Within 24 hours of emergency hospitalisation or before discharge, whichever is earlier; at least 48 hours before admission for planned hospitalisation.","display":"24 hours for emergency hospitalisation; 48 hours before a planned admission","note":"Reimbursement documents within fifteen days of discharge (post-hospitalisation: within fifteen days of completing that treatment). Delay may be condoned on merit.","quote":"1. Within 24 hours from the date of emergency hospitalization required or before the Insured Person's discharge from Hospital, whichever is earlier. ... 2. At least 48 hours prior to admission in Hospital in case of a planned Hospitalization. ... Reimbursement of hospitalization, day care and prehospitalization expenses | Within fifteen days of date of discharge from hospital ... Reimbursement of post hospitalization expenses | Within fifteen days from completion of post hospitalization treatment ... Any delay in notification or submission may be condoned on merit where delay is proved to be for reasons beyond the control of the Insured Person.","sources":[{"clause":"16(j)(vi)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/33#c-16-j-vi"},{"clause":"16(j)(xiv)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/33#c-16-j-xiv"}],"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":"cross-checked","value":["Duly Completed Claim Form","Photo Identity proof of the patient","Medical practitioner's prescription advising admission","Original bills with itemized break-up","Payment receipts","Discharge summary including complete medical history","Investigation/ Diagnostic test reports","OT notes or Surgeon's certificate (for surgical cases)","Sticker/invoices of the Implants, wherever applicable","MLR and FIR, wherever applicable","NEFT Details and cancelled cheque","KYC of the proposer where claim liability is above Rs 1 Lakh","Legal heir/succession certificate, wherever applicable"],"display":"Claim form, ID proof, prescription, original bills, receipts, discharge summary, test reports and others","note":"Also any other relevant document required by the Company/TPA.","quote":"i. Duly Completed Claim Form ... ii. Photo Identity proof of the patient ... iii. Medical practitioner's prescription advising admission. ... iv. Original bills with itemized break-up ... v. Payment receipts ... vi. Discharge summary including complete medical history of the patient along with other details. ... vii) Investigation/ Diagnostic test reports etc. supported by the prescription from attending medical practitioner ... viii) OT notes or Surgeon's certificate giving details of the operation performed (for surgical cases). ... ix) Sticker/invoices of the Implants, wherever applicable. ... x) MLR (Medico Legal Report copy if carried out and FIR (First information report) if registered, wherever applicable. ... xi) NEFT Details (to enable direct credit of claim amount in bank account) and cancelled cheque. ... xii) KYC (Identity proof with Address) of the proposer, where claim liability is above Rs 1 Lakh as per AML Guidelines ... xiii) Legal heir/succession certificate, wherever applicable","sources":[{"clause":null,"heading":"10.4. Documents to be submitted","page":17,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/33#c-10-4-documents-to-be-submitted"},{"clause":"16(j)(vii)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/33#c-16-j-vii"},{"clause":"16(j)(viii)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/33#c-16-j-viii"},{"clause":"16(j)(ix)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/33#c-16-j-ix"},{"clause":"16(j)(x)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/33#c-16-j-x"},{"clause":"16(j)(xi)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/33#c-16-j-xi"},{"clause":"16(j)(xii)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/33#c-16-j-xii"},{"clause":"16(j)(xiii)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/33#c-16-j-xiii"}],"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":"cross-checked","value":"The Company settles or rejects a claim within 15 days from submission of the claim; if late, interest at bank rate plus 2 percent from receipt of intimation.","display":"15 days from submission of claim","note":"CIS: cashless preauthorisation within one hour, final bill authorisation within three hours.","quote":"i) The Company shall settle or reject a claim as the case may be, 15 days from submission of claim. ... ii) In case the claim is not settled within the specified timelines, then the claimant is entitled for interest at bank rate plus 2 percent from the date of receipt of intimation to till the date of payment. ... TAT for preauthorization of cashless facility: Within one hour of receipt of request ... TAT for cashless final bill authorization: Within three hours of the receipt of discharge authorization request from the hospital.","sources":[{"clause":null,"heading":"3. Claim Settlement (provision for Penal interest)","page":12,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/33#c-3-claim-settlement-provision-for-penal-interest"},{"clause":"18(vi)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/35#c-18-vi"}],"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":"cross-checked","value":["Pre-existing diseases until 36 months (24 months for pre-existing disability) of continuous coverage","Any illness within 30 days from the first policy commencement date, except accidents","Listed conditions, surgeries and treatments until 24 months of continuous coverage","Cost for any Anti-Retroviral Treatment","Reconstructive / Cosmetic / prosthesis / devices for the existing disability or for activities of daily living","Any medical treatment taken outside India","Admission primarily for diagnostics and evaluation","Rest cure, rehabilitation and respite care","Alcoholism, drug or substance abuse","Hazardous or adventure sports as a professional","Breach of law with criminal intent","Maternity and childbirth","Sterility and infertility","Venereal/ Sexually Transmitted disease","Outpatient procedures or treatments and domiciliary hospitalization"],"display":"Waiting periods, anti-retroviral treatment, disability devices, treatment outside India and standard exclusions","note":null,"quote":"excluded until the expiry of 24months for pre-existing disability/ 36 months for all pre-existing conditions other than HIV/AIDS and Disability ... Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident ... Expenses related to the treatment of the listed Conditions; surgeries/treatments shall be excluded until the expiry of 24 months ... This cover will exclude cost for any Anti-Retroviral Treatment ... Any reconstructive / Cosmetic / prosthesis / external or internal device implanted/ used at home for the purpose of treatment of existing disability or used for activities of daily living are/is excluded from the policy. ... 1. Any medical treatment taken outside India. ... Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded. ... Rest Cure, rehabilitation, and respite care ... Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. ... participation as a professional in hazardous or adventure sports ... committing or attempting to commit a breach of law with criminal intent ... Maternity: Code Excl18 ... Medical treatment expenses traceable to childbirth ... Expenses related to sterility and infertility. ... 13. Venereal/ Sexually Transmitted disease. ... 11. Outpatient diagnostic, medical and surgical procedures or treatments, non-prescribed drugs and medical supplies, hormone replacement therapy and expenses related to Domiciliary hospitalization shall not be covered.","sources":[{"clause":"Excl01(a)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/33#c-excl01-a"},{"clause":"Excl03","heading":"First 30 days waiting period- Code- Excl03","page":9,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/33#c-excl03"},{"clause":"Excl02(a)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/33#c-excl02-a"},{"clause":"7","heading":"SPECIFIC CONDITIONS APPLICABLE FOR PERSONS WITH HIV - AIDS","page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/33#c-7"},{"clause":"6","heading":"SPECIFIC CONDITIONS APPLICABLE FOR PERSONS WITH DISABILITY","page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/33#c-6"},{"clause":null,"heading":"8.2. Specific Exclusions","page":11,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/33#c-8-2-specific-exclusions"},{"clause":"Excl04","heading":"Investigation & Evaluation- Code- Excl04","page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/33#c-excl04"},{"clause":"Excl05","heading":"Rest Cure, rehabilitation, and respite care- Code- Excl05","page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/33#c-excl05"},{"clause":"9","heading":null,"page":11,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/33#c-9"},{"clause":"Excl09","heading":"Hazardous or Adventure sports: Code- Excl09","page":11,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/33#c-excl09"},{"clause":"Excl10","heading":"Breach of law: Code- Excl10","page":11,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/33#c-excl10"},{"clause":"15","heading":"Maternity: Code Excl18","page":11,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/33#c-15"},{"clause":"15(i)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/33#c-15-i"},{"clause":"14","heading":"Sterility and Infertility: Code- Excl17","page":11,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/33#c-14"},{"clause":"15(d)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/33#c-15-d"}],"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":"cross-checked","value":"Contact Go Digit through its website, toll free 1-800-258-4242, hello@godigit.com or any branch grievance cell; if not satisfied, the grievance officer at grievance@godigit.com; then the Insurance Ombudsman.","display":"Go Digit customer care (1-800-258-4242, hello@godigit.com), then grievance officer (grievance@godigit.com)","note":"Senior citizens: seniors@godigit.com. Complaints can also be registered on IRDAI's Bima Bharosa portal.","quote":"In case of any grievance the insured person may contact the company through Website: https://www.godigit.com Toll Free: 1-800-258- 4242 Email: hello@godigit.com Senior citizens can now contact us on 1-800-258-4242 or write to us at seniors@godigit.com Insured person may also approach the grievance cell at any of the company's branches with the details of grievance If Insured person is not satisfied with the redressal of grievance through one of the above methods, insured person may contact the grievance officer at grievance@godigit.com ... the insured person may also approach the office of Insurance Ombudsman of the respective area/region ... The policyholder or the claimant also has the option to register the complaint on-line at IRDAl's Bima Bharosa","sources":[{"clause":null,"heading":"15. Redressal of Grievance","page":15,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/33#c-15-redressal-of-grievance"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"cross-checked","value":"Rs 4 lakh or Rs 5 lakh, on an individual basis.","display":"4 lacs and 5 lacs","note":null,"quote":"Coverage Basis | Individual basis only ... Sum insured available (in INR) | 4 lacs and 5 lacs","sources":[{"clause":null,"heading":"11. TABLE OF BENEFITS","page":18,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/33#c-11-table-of-benefits"}],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"cross-checked","value":{"unit":"days","amount":30},"display":"30 days","note":"Accidents excepted. Does not apply with Continuous Coverage of more than twelve months. Applies afresh to any enhanced sum insured. Also applies to the HIV/AIDS cover.","quote":"a) Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered. ... b) This exclusion shall not, however, apply if the Insured Person has Continuous Coverage for more than twelve months. ... c) The within referred waiting period is made applicable to the enhanced sum insured in the event of granting higher sum insured subsequently. ... For HIV/AIDS cover: a. Initial waiting period of 30 days will be applicable for Indemnity basis cover","sources":[{"clause":"Excl03","heading":"First 30 days waiting period- Code- Excl03","page":9,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/33#c-excl03"},{"clause":null,"heading":"11. TABLE OF BENEFITS","page":18,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/33#c-11-table-of-benefits"}],"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":"cross-checked","value":{"unit":"months","amount":36},"display":"36 months (24 months for the pre-existing disability)","note":"36 months for pre-existing conditions other than HIV/AIDS and the disability; 24 months for the pre-existing disability covered. The 36-month period is not applied to HIV/AIDS. Only PEDs declared in the proposal form and accepted are covered. CIS leaves the figure blank ('Covered after <<>> months').","quote":"a) Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 24months for pre-existing disability/ 36 months for all pre-existing conditions other than HIV/AIDS and Disability (as mentioned in Policy Schedule) of continuous coverage after the date of inception of the first policy with insurer. ... d) Coverage under the policy after the expiry of number of months (as mentioned in Policy Schedule) for any pre-existing disease is subject to the same being declared at the time of application and accepted by Us. ... Pre-Existing Diseases: Covered after <<>> months.","sources":[{"clause":"Excl01(a)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/33#c-excl01-a"},{"clause":"Excl01(d)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/33#c-excl01-d"},{"clause":null,"heading":"7. WAITING PERIOD","page":3,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/35#c-7-waiting-period"}],"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":"cross-checked","value":{"unit":"months","amount":24},"display":"24 months","note":"Not applicable to accidents. CIS leaves the figure blank ('<<>> years').","quote":"a) Expenses related to the treatment of the listed Conditions; surgeries/treatments shall be excluded until the expiry of 24 months as (mentioned in Policy Schedule) of continuous coverage after the date of inception of the first policy with us. This exclusion shall not be applicable for claims arising due to an accident. ... Specified disease/procedure waiting period is <<>> years","sources":[{"clause":"Excl02(a)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/33#c-excl02-a"},{"clause":null,"heading":"7. WAITING PERIOD","page":3,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/35#c-7-waiting-period"}],"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":"cross-checked","value":["Benign ENT disorders","Tonsillectomy","Adenoidectomy","Mastoidectomy","Tympanoplasty","Hysterectomy","All internal and external benign tumors, cysts, polyps of any kind, including benign breast lumps","Benign prostate hypertrophy","Cataract and age-related eye ailments","Gastric/ Duodenal Ulcer","Gout and Rheumatism","Hernia of all types","Hydrocele","Non-Infective Arthritis","Piles, Fissures and Fistula in anus","Pilonidal sinus, Sinusitis and related disorders","Prolapsed intervertebral Disc and Spinal Diseases unless arising from accident","Calculi in urinary system, Gall Bladder and Bile duct, excluding malignancy","Varicose Veins and Varicose Ulcers"],"display":"19 listed conditions including hernia, cataract, hysterectomy and joint/spinal disorders","note":null,"quote":"24 Months waiting period.\n1. Benign ENT disorders\n2. Tonsillectomy\n3. Adenoidectomy\n4. Mastoidectomy\n5. Tympanoplasty\n6. Hysterectomy\n7. All internal and external benign tumors, cysts, polyps of any kind, including benign breast lumps.\n8. Benign prostate hypertrophy\n9. Cataract and age-related eye ailments\n10. Gastric/ Duodenal Ulcer\n11. Gout and Rheumatism\n12. Hernia of all types\n13. Hydrocele\n14. Non-Infective Arthritis\n15. Piles, Fissures and Fistula in anus\n16. Pilonidal sinus, Sinusitis and related disorders\n17. Prolapsed intervertebral Disc and Spinal Diseases unless arising from accident.\n18. Calculi in urinary system, Gall Bladder and Bile duct, excluding malignancy.\n19. Varicose Veins and Varicose Ulcers","sources":[{"clause":"Excl02(e)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/33#c-excl02-e"}],"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":"cross-checked","value":{"unit":"months","amount":60},"display":"60 months","note":"For an enhanced sum insured, counted from the date of enhancement on the enhanced limits only.","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. ... Wherever, the sum insured is enhanced, completion of sixty continuous months would be applicable from the date of enhancement of sums insured only on the enhanced limits","sources":[{"clause":null,"heading":"12. Moratorium Period","page":14,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/33#c-12-moratorium-period"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"cross-checked","value":"Yes. The policyholder can port the policy to another insurer and transfer credits for sum insured, No Claim Bonus, specific waiting periods, pre-existing disease waiting period and moratorium period.","display":"Yes, with credit for waiting periods","note":"Migration to another Go Digit policy is also allowed with the same credits.","quote":"a) A Policyholder has the choice to port his/ her policies from one Insurer to another. ... d) The policyholder is entitled to transfer the credits gained to the extent of the Sum Insured, No Claim Bonus, specific waiting periods, waiting period for pre-existing disease , Moratorium period etc from the Existing Insurer to the Acquiring Insurer in the previous policy ... In case of migration of one policy to another with the same Insurer, the policyholder (including all members under family cover and group insurance policies) can transfer the credits gained","sources":[{"clause":"15(a)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/33#c-15-a-4"},{"clause":"15(d)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/33#c-15-d-3"},{"clause":null,"heading":"8. Migration","page":13,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/33#c-8-migration"}],"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":"not-stated","value":null,"display":null,"note":"The wording says the policy 'shall ordinarily be renewable except on grounds of fraud, moral hazard, misrepresentation' but does not say renewal is lifelong or give a maximum renewal age.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on 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":"cross-checked","value":"No. No loading applies on renewals based on individual claims experience, and renewal is not denied because of claims.","display":"No loading for claims","note":null,"quote":"No loading shall apply on renewals based on individual claims experience. ... i) Renewal shall not be denied on the ground that the insured had made a claim or claims in the preceding policy years.","sources":[{"clause":null,"heading":"15. Redressal of Grievance","page":15,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/33#c-15-redressal-of-grievance"},{"clause":"15(d)(i)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/33#c-15-d-i"}],"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":"cross-checked","value":["Investigation & Evaluation (Excl04)","Rest Cure, rehabilitation and respite care (Excl05)","Obesity/ Weight Control (Excl06)","Change-of-Gender treatments (Excl07)","Cosmetic or plastic Surgery (Excl08)","Hazardous or Adventure sports (Excl09)","Breach of law (Excl10)","Excluded Providers (Excl11)","Substance Abuse (Excl12)","Domestic Treatment (Excl13)","Non-prescribed Medicine (Excl14)","Refractive Error (Excl15)","Unproven Treatments (Excl16)","Sterility and Infertility (Excl17)","Maternity (Excl18)","Any Anti-Retroviral Treatment","Reconstructive / Cosmetic / prosthesis / devices for the existing disability or for activities of daily living","Any medical treatment taken outside India","Donation of any body organs","Nuclear damage","War and related perils","Circumcision unless necessary","Alternative medicines or experimental treatment","Suicide, Intentional self-injury","Vaccination or inoculation except post bite treatment","Convalescence, general debility, rest cure, congenital external illness","Outpatient treatments and domiciliary hospitalization","Dental treatment unless requiring hospitalisation from accidental injury","Venereal/ Sexually Transmitted disease","Stem cell storage","Service charge, surcharge levied by the hospital","Personal comfort and convenience items","Non-Payable items","Treatment not medically necessary"],"display":"Standard exclusions Excl04 to Excl18, anti-retroviral treatment, disability devices and the policy's specific exclusions","note":"Codes and short names from the CIS list; the full texts are in the policy wording section 8 (which prints Excl15 as 'Exel15'). The wording refers to a List-I of Annexure-11 of non-payable items that is not in the documents.","quote":"1. Investigation & Evaluation- Code- Excl04 | 9. Substance Abuse – Code- Excl12\n2. Rest Cure, rehabilitation and respite care- Code- Excl05 | 10. Domestic Treatment- Code- Excl13\n3. Obesity/ Weight Control: Code- Excl06 | 11. Non-prescribed Medicine – Code- Excl14\n4. Change-of-Gender treatments: Code- Excl07 | 12. Refractive Error: Code- Excl15\n5. Cosmetic or plastic Surgery: Code- Excl08 | 13. Unproven Treatments: Code- Excl16\n6. Hazardous or Adventure sports: Code- Excl09 | 14. Sterility and Infertility: Code- Excl17\n7. Breach of law: Code- Excl10 | 15. Maternity: Code Excl18 ... Excluded Providers: Code- Excl11 ... This cover will exclude cost for any Anti-Retroviral Treatment ... Any reconstructive / Cosmetic / prosthesis / external or internal device implanted/ used at home for the purpose of treatment of existing disability or used for activities of daily living are/is excluded from the policy. ... 1. Any medical treatment taken outside India.\n2. Hospitalization for donation of any body organs by an Insured including complications arising from the donation of organs.\n3. Nuclear damage ... 4. War, invasion, acts of foreign enemies, hostilities ... 6. Circumcision unless necessary for treatment of a disease, illness or injury not excluded hereunder, or as may be necessitated due to an accident.\n7. Treatment with alternative medicines or Treatment, experimental or any other treatment ... 8. Suicide, Intentional self-injury ... 9. Vaccination or inoculation except as post bite treatment for animal bite.\n10. Convalescence, general debility, \"Run-down\" condition, rest cure, Congenital external illness/disease/defect.\n11. Outpatient diagnostic, medical and surgical procedures or treatments, non-prescribed drugs and medical supplies, hormone replacement therapy and expenses related to Domiciliary hospitalization shall not be covered.\n12. Dental treatment or Surgery of any kind unless requiring Hospitalisation as a result of accidental Bodily Injury.\n13. Venereal/ Sexually Transmitted disease.\n14. Stem cell storage.\n15. Any kind of service charge, surcharge levied by the hospital.\n16. Personal comfort and convenience items or services such as television, telephone, barber or guest service and similar incidental services and supplies.\n17. Non-Payable items: The expenses that are not covered in this Policy are placed under List-I of Annexure-11\n18. Any medical procedure or treatment, which is not medically necessary or not performed by a Medical Practitioner.","sources":[{"clause":"8.1","heading":"Standard Exclusions","page":3,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/35#c-8-1"},{"clause":"Excl11","heading":"Excluded Providers: Code- Excl11","page":3,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/35#c-excl11"},{"clause":"7","heading":"SPECIFIC CONDITIONS APPLICABLE FOR PERSONS WITH HIV - AIDS","page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/33#c-7"},{"clause":"6","heading":"SPECIFIC CONDITIONS APPLICABLE FOR PERSONS WITH DISABILITY","page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/33#c-6"},{"clause":null,"heading":"8.2. Specific Exclusions","page":11,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/33#c-8-2-specific-exclusions"},{"clause":"15(d)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/33#c-15-d"}],"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":"cross-checked","value":"You may cancel any time with 7 days' written notice. For a policy term up to one year with no claim made in the policy period, the proportionate premium for the unexpired period is refunded.","display":"Proportionate premium for the unexpired period, if no claim made","note":"No refund when the Company cancels for misrepresentation, non-disclosure of material facts or fraud. The wording does not say what is refunded if a claim was made.","quote":"You may cancel your policy at any time during the term, by giving 7 days notice to us in writing. We shall ... a) Refund proportionate premium for unexpired policy period, if the term of policy is upto one year and there is no claim (s) made during the policy period. ... There would be no refund of premium on cancellation on grounds of misrepresentation, non-disclosure of material facts or fraud.","sources":[{"clause":null,"heading":"7. Cancellation","page":13,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/33#c-7-cancellation"},{"clause":"15(a)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/33#c-15-a-3"},{"clause":"15(b)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/33#c-15-b-3"}],"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":"cross-checked","value":"India only: medical treatment taken outside India is excluded.","display":"India only","note":null,"quote":"1. Any medical treatment taken outside India.","sources":[{"clause":null,"heading":"8.2. Specific Exclusions","page":11,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/33#c-8-2-specific-exclusions"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"cross-checked","value":{"unit":"days","amount":30},"display":"30 days","note":"New individual policies only, not renewals. Refund less medical examination and stamp duty costs (or proportionate risk premium), if no claim was made. CIS says 'within 30 days from the beginning of the Policy'.","quote":"The Free Look Period shall be applicable on new individual health insurance policies and not on renewals of the Policy. The insured person shall be allowed free look period of thirty(30) days from date of receipt of the policy document ... If the insured has not made any claim during the Free Look Period, the insured shall be entitled to ... a refund of the premium paid less any expenses incurred by the Company on medical examination of the insured person and the stamp duty charges or ... a deduction towards the proportionate risk premium for period of cover ... You may cancel the insurance policy if you do not want it, within 30 days from the beginning of the Policy.","sources":[{"clause":null,"heading":"14. Free Look Period","page":14,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/33#c-14-free-look-period"},{"clause":null,"heading":"12. THINGS TO REMEMBER","page":5,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/35#c-12-things-to-remember"}],"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":"cross-checked","value":{"unit":"days","amount":30},"display":"30 days (15 days for monthly mode)","note":"Fifteen days where premium is paid monthly.","quote":"i. The grace period for payment of the premium for all types of insurance policies shall be: fifteen days where premium payment mode is monthly and thirty days in all other cases.","sources":[{"clause":null,"heading":"11. Premium Payment in Instalments","page":14,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/33#c-11-premium-payment-in-instalments"}],"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":"conflicting","value":"Adults 18 to 65 years; children from newborn to 17 years.","display":"Adults 18 to 65 years; children newborn to 17 years","note":"Prospectus FAQ says: 'Age eligibility for adults: 18 years to No limit' (the prospectus table of benefits says 65 years). Valid disability certificate needed for persons with disability.","quote":"Age eligibility for adults: 18 years to 65 years Age eligibility for Children: Newborn to 17 years ... Age eligibility for adults: 18 years to No limit","sources":[{"clause":null,"heading":"11. TABLE OF BENEFITS","page":18,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/33#c-11-table-of-benefits"},{"clause":null,"heading":"What are the Minimum & Maximum Entry age for Adults & Children?","page":5,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/34#c-what-are-the-minimum-maximum-entry-age-for-adult"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"cross-checked","value":["Half Yearly","Quarterly","Monthly"],"display":"Half-yearly, quarterly or monthly instalments","note":"Instalments are an option; the documents do not name the yearly mode explicitly, though the grace period clause refers to modes other than monthly.","quote":"If the insured person has opted for Payment of Premium on an instalments basis i.e. Half Yearly, Quarterly or Monthly","sources":[{"clause":null,"heading":"11. Premium Payment in Instalments","page":14,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/33#c-11-premium-payment-in-instalments"}],"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":"cross-checked","value":["Co-payment waiver"],"display":"Co-pay waiver (removes the 20% co-payment)","note":"Without it, a 20% co-payment applies to every claim.","quote":"Each and every claim under the Policy shall be subject to a Co-payment of 20% applicable to claim amount admissible and payable as per the terms and conditions of the Policy. The amount payable shall be after deduction of the co-payment. This co-payment can be waived off by paying an additional premium(optional).","sources":[{"clause":null,"heading":"10.5. Co-Payment","page":18,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/33#c-10-5-co-payment"}],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"cross-checked","value":"No. Coverage is not available during the grace period; continuity of benefits is kept if paid within it.","display":"No","note":"Contradiction inside the policy wording: the Grace Period definition (Definitions, item 16) says 'Provided the insurers shall offer coverage during the grace period, if the premium is paid in instalments during the policy period', while the renewal and instalment clauses (and the prospectus) say no cover until the premium is received. Continuity of benefits is kept if paid within the grace period.","quote":"Coverage is not available during the grace period. ... ii. During such grace period, Coverage will not be available from the instalment premium payment due date till the date of receipt of premium by Company. ... Provided the insurers shall offer coverage during the grace period, if the premium is paid in instalments during the policy period.","sources":[{"clause":"15(d)(ii)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/33#c-15-d-ii"},{"clause":null,"heading":"11. Premium Payment in Instalments","page":14,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/33#c-11-premium-payment-in-instalments"},{"clause":"3.1(d)(iv)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/33#c-3-1-d-iv"}],"law":[]},{"key":"disease","label":"Disease covered","section":"Cover","meaning":"The condition this policy is for.","status":"cross-checked","value":"Persons with a specified disability (not less than forty percent, certified by a government Medical Board) under the Rights of Persons with Disabilities Act, 2016, and/or individuals with HIV/AIDS.","display":"Disability (RPwD Act 2016) and HIV/AIDS","note":"The wording lists 21 specified disabilities, including blindness, locomotor disability, mental illness, autism spectrum disorder, cerebral palsy and Parkinson's disease. Hospitalisation for any other medical condition is also covered.","quote":"b) Disability for the purpose of this policy means a person with not less than forty percent of a specified disability as per the Act ... Certified by the Medical Board appointed by the government for certifying Disability.\nOr/and\nB) Individuals with HIV/AIDS as defined under the Human Immunodeficiency Virus and Acquired Immune Deficiency Syndrome (Prevention and Control) Act, 2017. ... Covering Persons with Disability as per The Rights of Persons with Disabilities Act, 2016 ... 1. Blindness ... 9. Locomotor Disability ... 15. Mental Illness ... 17. Autism spectrum disorder ... 19. Cerebral Palsy ... 21. Parkinson's disease ... The Company will indemnify the Reasonable and Customary Charges for any Medical Condition which requires Inpatient Hospitalization of the Insured Person","sources":[{"clause":"1(b)","heading":"Disability for the purpose of this policy","page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/33#c-1-b"},{"clause":"1","heading":"PREAMBLE","page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/33#c-1"},{"clause":"7","heading":"SPECIFIC CONDITIONS APPLICABLE FOR PERSONS WITH HIV - AIDS","page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/33#c-7"}],"law":[]},{"key":"payout","label":"Payout","section":"Cover","meaning":"Lump sum, staged, or hospital bills.","status":"cross-checked","value":"Hospital bills: indemnity of hospitalisation expenses up to the sum insured, subject to a 20% co-payment.","display":"Hospital bills (indemnity)","note":null,"quote":"Category of Cover | Indemnity ... Co-pay | 20% on all claims made under the policy unless waiver for Co-pay is opted and premium is paid for the same","sources":[{"clause":null,"heading":"11. TABLE OF BENEFITS","page":18,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/33#c-11-table-of-benefits"}],"law":[]},{"key":"survival_period","label":"Survival period","section":"Waiting periods","meaning":"Days you must survive after diagnosis before payment.","status":"not-applicable","value":null,"display":null,"note":"Indemnity hospitalisation cover; no benefit is paid on diagnosis, so no survival period applies.","quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Policy Wordings - Disability and HIV/AIDS Insurance Policy - GODHLIP23185V012223","pages":20,"fetched_at":"2026-10-16 06:29:30.06375+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/health/policy-wordings-disability-and-hivaids-insurance-policy.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/33"},{"kind":"prospectus","label":"Prospectus - Disability and HIV/AIDS Insurance Policy, Go Digit - GODHLIP23185V012223","pages":12,"fetched_at":"2026-10-16 06:29:30.06375+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/health/prospectus-disability-and-hivaids-insurance-policy.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/34"},{"kind":"cis","label":"CIS - Disability and HIV/AIDS Insurance Policy, Go Digit - GODHLIP23185V012223","pages":5,"fetched_at":"2026-10-16 06:29:30.06375+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/health/cis-disability-and-hivaids-insurance-policy.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223/document/35"}],"versions":[],"where_to_buy":[],"claims_and_complaints":[],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Disability and HIV/AIDS Insurance Policy (UIN GODHLIP23185V012223), IndiaInsurances, https://indiainsurances.com/policy/go-digit-general-insurance/disability-and-hiv-aids-insurance-policy-godhlip23185v012223"}