{"uin":"GODPAIP21616V012021","name":"Saral Suraksha Bima, Go Digit","url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021","insurer":{"slug":"go-digit-general-insurance","name":"Go Digit General Insurance Limited","url":"https://indiainsurances.com/insurer/go-digit-general-insurance"},"line":"health","category":"personal-accident","category_name":"Personal accident","irdai_type":"New","kind":"product","status":"unknown","approved_on":"2021-03-26","withdrawn_on":null,"summary":"Saral Suraksha Bima is an individual one-year accident policy from Go Digit that pays 100% of the sum insured for accidental death or permanent total disablement and a table percentage for permanent partial disablement. The sum insured ranges from Rs.2.5 lakhs to Rs.20 Crores, cover is worldwide, and temporary total disablement, accident hospitalisation expenses (India only) and an education grant are optional.","analysis":{"state":"extracted","analysed_at":"2026-10-16 06:29:33.110542+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":"The documents describe one product with base covers and optional covers; no named plans or variants are printed.","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 means period of one policy year for which the Policy is issued. ... Policy Period | 1 year","sources":[{"clause":"30","heading":"Policy period","page":6,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57#c-30"},{"clause":"22(I)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57#c-22-i-2"}],"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 30 days of the event; within 24 hours of admission for emergency hospitalisation.","display":"30 days from the event (24 hours for emergency hospitalisation)","note":"Claim documents must be submitted not later than one month after completion of treatment or after transportation of the mortal remains/burial. The insurer may relax the time limits on merits.","quote":"Intimation about an event or occurrence that may give rise to a claim under this policy must be given within 30 days of its happening. ... If any treatment for which a claim may be made is to be taken and that treatment requires Hospitalisation in an Emergency, the company shall be informed within 24 hours of the admission of the insured person in Hospital. ... Note: The Company will examine and relax the time limit mentioned herein above depending upon the merits of the case.","sources":[{"clause":"14","heading":"Claim Procedure","page":16,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57#c-14-2"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"cross-checked","value":["Duly completed claim form","Photo Identity Proof of the insured person","Copy of FIR/ Panchnama /Police Inquest Report (wherever these reports are required as per the circumstance of the Accident)","Copy of Medico Legal Certificate (wherever it is required as per the circumstance of the Accident)","Any other relevant document required by the Company for assessment of the claim","Death certificate","Post-Mortem Report (if conducted)","Identity proof of Nominee or Original Succession Certificate/Original Legal Heir Certificate","Original treating Medical Practitioner's certificate describing the disablement","Original Discharge summary from the Hospital","Disability certificate issued by treating Medical Practitioner","Leave/Absence Certificate from Employer (If Employed)","Fitness Certificate issued by the treating doctor","Original Hospital Main Bill","Original Hospital Bill Break up of various expenses","Bonafide Certificate issued by the educational institution"],"display":"Claim form, photo ID, FIR and Medico Legal Certificate where required, plus cover-specific papers (death certificate, disability certificate, hospital bills, school certificate)","note":"Basic documents apply to all claims; the others depend on the cover claimed (death, PTD/PPD, TTD, hospitalisation expenses, education grant). Hospitalisation and education grant claims also need discharge summary, reports and prescriptions, or proof of relationship and age of the child.","quote":"i. Duly completed claim form ... ii) Photo Identity Proof of the insured person ... iii) Copy of FIR/ Panchnama /Police Inquest Report (wherever these reports are required as per the circumstance of the Accident) duly attested by the concerned Police Station ... iv) Copy of Medico Legal Certificate (wherever it is required as per the circumstance of the Accident) duly attested by the concerned Hospital ... v) Any other relevant document required by the Company for assessment of the claim ... i. Death certificate;\nii. Post-Mortem Report (if conducted);\niii. Identity proof of Nominee or Original Succession Certificate/Original Legal Heir Certificate ... i. Original treating Medical Practitioner's certificate describing the disablement\nii. Original Discharge summary from the Hospital\niii. Disability certificate issued by treating Medical Practitioner ... iv. Leave/Absence Certificate from Employer (If Employed) ... vi) Fitness Certificate issued by the treating doctor. ... iv. Original Hospital Main Bill\nv. Original Hospital Bill Break up of various expenses ... iv. Bonafide Certificate issued by the educational institution","sources":[{"clause":null,"heading":"1. Basic documents required for All claims","page":16,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57#c-1-basic-documents-required-for-all-claims"},{"clause":"14(ii)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57#c-14-ii"},{"clause":"14(iii)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57#c-14-iii"},{"clause":"14(iv)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57#c-14-iv"},{"clause":"14(v)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57#c-14-v"},{"clause":null,"heading":"2. Documents required in case of Death covered under Section C.I(a)","page":17,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57#c-2-documents-required-in-case-of-death-covered-un"},{"clause":"14(vi)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57#c-14-vi"}],"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 insurer settles or rejects a claim within 15 days from submission of the claim; if late, interest at bank rate plus 2 percent from intimation to payment.","display":"15 days from submission of claim","note":null,"quote":"The Company shall settle or reject a claim, as the case may be, within 15 days from submission of claim. ... 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.","sources":[{"clause":"9(a)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57#c-9-a"},{"clause":"9(b)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57#c-9-b"}],"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":["War (whether declared or not) and war like occurrence or invasion, acts of foreign enemies, hostilities, civil war, rebellion","intentional self-injury unless in self-defence or to save life, suicide or attempted suicide","whilst under the influence of intoxicating liquor or drugs or other intoxicants","aviation or ballooning, or travelling in any balloon or aircraft other than as a passenger in any Scheduled Airlines","breach of law with criminal intent","participation as a professional in hazardous or adventure sports","Ionizing radiation or contamination by radio activity; Nuclear weapons material; Nuclear, chemical and biological terrorism","actual or attempted commission of or wilful participation in an illegal act","Investigation & Evaluation (Code- Excl04) (hospitalisation expenses cover)","Dietary supplements and substances that can be purchased without prescription (Code- Excl14) (hospitalisation expenses cover)","treatment of accidental injuries which does not warrant hospitalization (hospitalisation expenses cover)","Domiciliary Hospitalization and OPD treatment (hospitalisation expenses cover)","Treatment taken outside the geographical limits of India (hospitalisation expenses cover)","All expenses listed in Annexure-B (List I) (hospitalisation expenses cover)"],"display":"War, self-injury and suicide, intoxication, non-airline aviation, criminal acts, professional hazardous sports, nuclear and chemical/biological terrorism; extra exclusions for the hospitalisation expenses cover","note":"No waiting-period exclusions are printed (CIS: waiting period NA). The last six items apply only to the optional Hospitalisation Expenses due to Accident cover. Intoxication exclusion does not apply where the insured is not directly responsible for the accident.","quote":"directly or indirectly due to War (whether declared or not) and war like occurrence or invasion, acts of foreign enemies, hostilities, civil war, rebellion ... a) from intentional self-injury unless in self-defence or to save life, suicide or attempted suicide; ... b) whilst under the influence of intoxicating liquor or drugs or other intoxicants except where the insured is not directly responsible for the injury/ accident though under influence of intoxication. ... c) whilst engaging in aviation or ballooning, or whilst mounting into, or dismounting from or travelling in any balloon or aircraft other than as a passenger (fare-paying or otherwise) in any Scheduled Airlines in the world. ... d) arising or resulting from the Insured Person committing any breach of law with criminal intent. ... due to participation as a professional in hazardous or adventure sports ... A. Ionizing radiation or contamination by radio activity from any nuclear fuel ... B. Nuclear weapons material ... D. Nuclear, chemical and biological terrorism ... (v) Any loss arising out of the Insured Person's actual or attempted commission of or wilful participation in an illegal act or any violation or attempted violation of the law. ... i) Investigation & Evaluation (Code- Excl04) ... ii. Dietary supplements and substances that can be purchased without prescription, including but not limited to Vitamins, minerals and organic substances unless prescribed by a medical practitioner as part of hospitalization claim or day care procedure (Code- Excl14) ... i) Expenses incurred for treatment of accidental injuries which does not warrant hospitaIization.\nii) Any expenses incurred on Domiciliary Hospitalization and OPD treatment.\niii) Treatment taken outside the geographical limits of India.\niv) All expenses listed in Annexure-B (List I) of the Policy. ... WAITING PERIOD - NA","sources":[{"clause":"I(i)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57#c-i-i-2"},{"clause":"I(I)(a)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57#c-i-i-a"},{"clause":"I(I)(b)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57#c-i-i-b"},{"clause":"I(I)(c)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57#c-i-i-c"},{"clause":"I(I)(d)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57#c-i-i-d"},{"clause":"1","heading":"STANDARD EXCLUSIONS","page":11,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57#c-1-2"},{"clause":"2","heading":"SPECIFIC EXCLUSIONS","page":12,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57#c-2-2"},{"clause":"7","heading":"WAITING PERIOD - NA","page":3,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/59#c-7"}],"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 first via website https://www.godigit.com, toll free 1-800-258- 4242 or hello@godigit.com, or the grievance cell at any branch; 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 at grievance@godigit.com, then Ombudsman","note":"Senior citizens: seniors@godigit.com. Complaints can also be registered on IRDAI's Bima Bharosa portal (https://bimabharosa.irdai.gov.in/).","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 ... 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 ... If Insured person is not satisfied with the redressal of grievance through above methods, the insured person may also approach the office of Insurance Ombudsman of the respective area/region ... Senior citizens can now contact us on 1-800-258-4242 or write to us at seniors@godigit.com ... The policyholder or the claimant also has the option to register the complaint on-line at IRDAl's Bima Bharosa by visiting https://bimabharosa.irdai.gov.in/","sources":[{"clause":"10","heading":"Redressal of Grievance","page":15,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57#c-10-2"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"cross-checked","value":"From Rs. 2.5 lakh to Rs. 20 crore, in multiples of Rs. 50,000, applying to each insured person individually.","display":"Rs.2.5 lakhs to Rs.20 Crores, in multiples of Rs 50,000","note":"From the prospectus; the policy wording leaves the amount to the policy schedule.","quote":"Minimum sum insured shall be Rs.2.5 lakhs and maximum sum insured shall be Rs.20 Crores. Sum insured offered shall be in multiples of Rs 50,000/-. ... When offered as a family cover, the chosen sum insured shall apply to each family member separately. ... Sum Insured means the pre-defined limit specified in the Policy Schedule.","sources":[{"clause":null,"heading":"What is the Sum Insured options under this Policy?","page":5,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/58#c-what-is-the-sum-insured-options-under-this-polic"},{"clause":null,"heading":"What will the Sum Insured Basis of the product?","page":5,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/58#c-what-will-the-sum-insured-basis-of-the-product"},{"clause":"32","heading":"Sum Insured","page":6,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57#c-32"}],"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":"not-applicable","value":null,"display":null,"note":"The policy covers only accidental injury, not illness; the CIS prints 'WAITING PERIOD - NA'.","quote":null,"sources":[],"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":"not-applicable","value":null,"display":null,"note":"The policy covers only accidental injury, not illness; the CIS prints 'WAITING PERIOD - NA'. No pre-existing disease waiting period is printed.","quote":null,"sources":[],"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":"not-applicable","value":null,"display":null,"note":"The policy covers only accidental injury, not illness; the CIS prints 'WAITING PERIOD - NA'.","quote":null,"sources":[],"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":"not-applicable","value":null,"display":null,"note":"The policy covers only accidental injury, not illness; the CIS prints 'WAITING PERIOD - NA'.","quote":null,"sources":[],"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 (five years)","note":"Printed in the CIS only; for an enhanced sum insured the five years run from the date of enhancement on the enhanced limit.","quote":"After completion of sixty continuous months (five years) under the policy no look back to be applied. This period of sixty months is called as moratorium period. ... After the expiry of Moratorium Period no health insurance policy shall be contestable except for proven fraud and permanent exclusions specified in the policy contract. ... subsequently completion of five continuous years would be applicable from date of enhancement of sums insured only on the enhanced limits","sources":[{"clause":"12","heading":"THINGS TO REMEMBER","page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/59#c-12"}],"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. At renewal you may port the policy to another insurer or migrate to another policy of the insurer.","display":"Yes, at renewal","note":"From the CIS, which refers to the policy wordings for details, but the wording prints no portability section. Credit for waiting periods on porting is not stated (the product has no waiting periods). Free-look does not apply when porting/migrating.","quote":"When your policy is due for renewal, you may migrate to another policy with us or port your policy to another insurer. ... not on renewals or at the time of porting/migrating the policy","sources":[{"clause":"12","heading":"THINGS TO REMEMBER","page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/59#c-12"},{"clause":"8","heading":"Free Look Period","page":14,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57#c-8-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"cross-checked","value":true,"display":"Yes, no age limit for renewals","note":"Cover for an insured person ends, with no renewal, once 100% of the sum insured is paid for death or permanent total disability. Dependent children above 18 who are financially independent become ineligible at subsequent renewals.","quote":"The policy shall ordinarily be renewable except on grounds of fraud, misrepresentation by the insured person. ... *there is no age limit for renewals ... The cover for the Insured shall terminate immediately in the event of admissible claim and settlement of 100% Sum Insured under Coverage Death or Permanent Total Disability and no Renewal of contract will be permissible. ... If the child above 18 years of age is financially independent, he or she shall be ineligible for coverage in the subsequent renewals.","sources":[{"clause":"11","heading":"Renewal of the Policy","page":15,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57#c-11-2"},{"clause":null,"heading":"What are the Minimum & Maximum Entry age for Adults & Children?","page":5,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/58#c-what-are-the-minimum-maximum-entry-age-for-adult"},{"clause":"27","heading":"Family","page":5,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57#c-27"}],"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 at renewal based on individual claims experience.","display":"No loading for claims","note":"A claim under the base covers can reduce the cumulative bonus at the rate at which it accrued.","quote":"No loading shall apply on renewals based on individual claims experience. ... If a claim is made in any particular year, the cumulative bonus accrued may be reduced at the same rate at which it has accrued.","sources":[{"clause":"11","heading":"Renewal of the Policy","page":15,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57#c-11-2"},{"clause":"I(b)(ii)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57#c-i-b-ii-2"}],"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":["War and war like occurrence, invasion, civil war, rebellion and similar","Intentional self-injury, suicide or attempted suicide","Under the influence of intoxicating liquor or drugs","Aviation or ballooning other than as a passenger in a Scheduled Airline","Breach of law with criminal intent","Participation as a professional in hazardous or adventure sports","Ionizing radiation, nuclear weapons material, nuclear, chemical and biological terrorism","Illegal act or violation of the law","Investigation & Evaluation (Code- Excl04) (hospitalisation expenses cover)","Dietary supplements and substances purchased without prescription (Code- Excl14) (hospitalisation expenses cover)","Accidental injuries which do not warrant hospitalisation; domiciliary hospitalisation and OPD; treatment outside India; Annexure-B List I expenses (hospitalisation expenses cover)"],"display":"Excl04 and Excl14 for the hospitalisation cover, plus the policy's own accident exclusions (war, suicide, intoxication, aviation, crime, professional hazardous sports, nuclear)","note":"Only two standard IRDAI codes (Excl04, Excl14) are printed, and only for the optional Hospitalisation Expenses due to Accident cover.","quote":"directly or indirectly due to War (whether declared or not) and war like occurrence or invasion ... a) from intentional self-injury unless in self-defence or to save life, suicide or attempted suicide; ... b) whilst under the influence of intoxicating liquor or drugs or other intoxicants ... c) whilst engaging in aviation or ballooning, or whilst mounting into, or dismounting from or travelling in any balloon or aircraft other than as a passenger (fare-paying or otherwise) in any Scheduled Airlines in the world. ... d) arising or resulting from the Insured Person committing any breach of law with criminal intent. ... due to participation as a professional in hazardous or adventure sports ... A. Ionizing radiation or contamination by radio activity from any nuclear fuel ... B. Nuclear weapons material ... D. Nuclear, chemical and biological terrorism ... wilful participation in an illegal act or any violation or attempted violation of the law ... i) Investigation & Evaluation (Code- Excl04) ... ii. Dietary supplements and substances that can be purchased without prescription ... (Code- Excl14) ... i) Expenses incurred for treatment of accidental injuries which does not warrant hospitaIization.\nii) Any expenses incurred on Domiciliary Hospitalization and OPD treatment.\niii) Treatment taken outside the geographical limits of India.\niv) All expenses listed in Annexure-B (List I) of the Policy.","sources":[{"clause":"I(i)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57#c-i-i-2"},{"clause":"I(I)(a)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57#c-i-i-a"},{"clause":"I(I)(b)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57#c-i-i-b"},{"clause":"I(I)(c)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57#c-i-i-c"},{"clause":"I(I)(d)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57#c-i-i-d"},{"clause":"1","heading":"STANDARD EXCLUSIONS","page":11,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57#c-1-2"},{"clause":"2","heading":"SPECIFIC EXCLUSIONS","page":12,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57#c-2-2"}],"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":"conflicting","value":"You may cancel with 15 days' written notice; refund on the short period scale: 60% within 3 months, 40% for 3 to 6 months, 25% for 6 to 9 months, 0% after 9 months. No refund if any claim has been admitted or lodged or any benefit availed.","display":"Short period scale: 60% / 40% / 25% / 0% refund; nothing if a claim was made","note":"Prospectus says: 'The Insured may cancel this Policy by giving 7 days' written notice'; the policy wording says 15 days' written notice. Refund scale is the same in both.","quote":"The policyholder may cancel this policy by giving 15 days' written notice and in such an event, the Company shall refund premium for the unexpired policy period as detailed below. ... Within 3 months | 60%\nExceeding 3 months but less than 6 months | 40%\nExceeding 6 months but less than 9 months | 25%\nExceeding 9 months but less than 12 months | 0% ... no refunds of premium shall be made in respect of Cancellation where, any claim has been admitted or has been lodged or any benefit has been availed by the insured person under the policy ... a) The Insured may cancel this Policy by giving 7 days' written notice","sources":[{"clause":null,"heading":"A. Cancellation by You","page":14,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57#c-a-cancellation-by-you"},{"clause":null,"heading":"Short Period Scale","page":14,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57#c-short-period-scale"},{"clause":"2(II)(a)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/58#c-2-ii-a-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"cross-checked","value":"Worldwide, except the optional Hospitalisation Expenses due to Accident cover, which covers treatment in India only.","display":"Worldwide (hospitalisation expenses cover: India only)","note":null,"quote":"The coverage is worldwide except for the optional cover \"Hospitalization expenses due to accident\". The coverage of optional cover \"Hospitalization expenses due to accident\", is limited to medical treatment taken in India only.","sources":[{"clause":"17","heading":"Territorial Limit","page":18,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57#c-17-2"}],"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 policies only, not renewals or porting. Refund less medical examination and stamp duty costs, or proportionate risk premium if risk has commenced. CIS counts the 30 days 'from the beginning of the Policy'.","quote":"The insured person shall be allowed free look period of thirty(30)from date of receipt of the policy document ... he/ she has the option to return the policy within this 30 days period to the insurer for cancellation. ... not on renewals or at the time of porting/migrating the policy ... a) 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 ... b) where the risk has already commenced and the option of return of the policy is exercised by the insured person, a deduction towards the proportionate risk premium for period of cover ... within 30 days from the beginning of the Policy","sources":[{"clause":"8","heading":"Free Look Period","page":14,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57#c-8-2"},{"clause":"8(a)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57#c-8-a"},{"clause":"8(b)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57#c-8-b"},{"clause":"12","heading":"THINGS TO REMEMBER","page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/59#c-12"}],"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 instalments)","note":"15 days where premium is paid monthly. No cover during the grace period.","quote":"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. ... 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":"11","heading":"Renewal of the Policy","page":15,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57#c-11-2"},{"clause":"13","heading":"Premium Payment in Instalments","page":16,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57#c-13-2"}],"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":"cross-checked","value":"Adults 18 years with no maximum age; dependent children 3 months to 25 years.","display":"18 years to no limit (children 3 months to 25 years)","note":"From the prospectus. Proposer minimum 18 years, no maximum.","quote":"Proposer | 18 years | No limit\nDependent Child | 3 months | 25 years\nAdult Insured | 18 years | No limit","sources":[{"clause":null,"heading":"What are the Minimum & Maximum Entry age for Adults & Children?","page":5,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/58#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 a yearly mode, though the policy runs for one year. A claim makes all remaining instalments due at once.","quote":"If the insured person has opted for Payment of Premium on an instalment basis i.e. Half Yearly, Quarterly or Monthly, as mentioned in the policy Schedule ... v) In the event of a claim, all subsequent premium instalments shall immediately become due and payable.","sources":[{"clause":"13","heading":"Premium Payment in Instalments","page":16,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57#c-13-2"}],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"cross-checked","value":["Temporary Total Disablement","Hospitalisation Expenses due to Accident","Education Grant"],"display":"Temporary Total Disablement, Hospitalisation Expenses due to Accident, Education Grant","note":"Each optional cover is over and above the base sum insured.","quote":"a) Temporary Total Disablement: ... b) Hospitalisation Expenses due to Accident: ... c) Education Grant: ... i) The benefits payable under each of the optional covers C.II(a), C.II(b) and C.II(c) are independent and over and above the base sum insured.","sources":[{"clause":"I(a)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57#c-i-a-4"},{"clause":"I(b)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57#c-i-b-4"},{"clause":"I(c)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57#c-i-c-2"},{"clause":"I(b)(i)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57#c-i-b-i-2"}],"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.","display":"No cover during grace period","note":null,"quote":"Coverage is not available during the grace period. ... During such grace period, coverage will not be available from the due date of instalment premium till the date of receipt of premium by Company.","sources":[{"clause":"11","heading":"Renewal of the Policy","page":15,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57#c-11-2"},{"clause":"13","heading":"Premium Payment in Instalments","page":16,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57#c-13-2"}],"law":[]},{"key":"accidental_death","label":"Accidental death","section":"Cover","meaning":"What is paid if an accident causes death.","status":"cross-checked","value":"100% of the sum insured if the insured person dies from an accidental injury during the policy period and death occurs within 12 months of the accident.","display":"100% of sum insured (death within 12 months of accident)","note":"One sum insured (plus cumulative bonus) is shared by death, PTD and PPD. Payable even if death happens after the policy period ends, within 12 months of the accident. A payment made on disappearance must be refunded if the person is found alive.","quote":"The company shall pay the benefit equal to 100% of Sum Insured, specified in the policy schedule, on death of the insured person, due to an Injury sustained in an Accident during the Policy Period, provided that the Insured Person's death occurs within 12 months from the date of the Accident. ... Where claim payment has been made owing to disappearance of insured person following an accident, if after the payment of accidental death claim, it is found that the insured person has survived the accident, then the policyholder has to refund the payment back to the company ... there is a single sum insured for all the three covers namely, Accidental death, Permanent total disability and Permanent Partial Disability. ... benefits covered under C.I(a), C.I(b) and C.I(c) above are payable, even if death or Permanent Total Disablement or Permanent Partial Disablement or any combination thereof occurs after the completion of policy period, but within 12 months from the date of accident.","sources":[{"clause":"I(a)","heading":"Death","page":7,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57#c-i-a"},{"clause":"I(a)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57#c-i-a-3"},{"clause":"I(b)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57#c-i-b-3"}],"law":[]},{"key":"permanent_total_disability","label":"Permanent total disability","section":"Cover","meaning":"What is paid for permanent total disability.","status":"cross-checked","value":"100% of the sum insured for listed permanent total disablements (loss of sight of both eyes, loss of both hands or feet, one hand and one foot, one eye and a hand or foot, or total inability to work in any occupation) occurring within 12 months of the accident.","display":"100% of sum insured","note":"Shares one sum insured with death and PPD. Cover ends with no renewal after 100% of sum insured is paid.","quote":"The company shall pay the benefit equal to 100% of Sum Insured, specified in the policy schedule, if an insured Person suffers Permanent Total Disablement of the nature specified below, solely and directly due to an Accident during the Policy Period, provided that the Permanent Total Disablement occurs within 12 months from the date of the Accident: ... a) Total and irrecoverable loss of sight of both eyes or ... b) Physical separation or loss of use of both hands or feet or ... c) Physical separation or loss of use of one hand and one foot or ... d) loss of sight of one eye and Physical separation or loss of use of hand or foot ... e) If such Injury shall as a direct consequence thereof, permanently, and totally, disables the Insured Person from engaging in any employment or occupation of any description whatsoever. ... there is a single sum insured for all the three covers namely, Accidental death, Permanent total disability and Permanent Partial Disability. ... The cover for the Insured shall terminate immediately in the event of admissible claim and settlement of 100% Sum Insured under Coverage Death or Permanent Total Disability and no Renewal of contract will be permissible.","sources":[{"clause":"I(b)","heading":"Permanent Total Disablement","page":7,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57#c-i-b"},{"clause":"I(a)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57#c-i-a-2"},{"clause":"I(b)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57#c-i-b-2"},{"clause":"I(c)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57#c-i-c"},{"clause":"I(d)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57#c-i-d"},{"clause":"I(e)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57#c-i-e"},{"clause":"I(a)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57#c-i-a-3"},{"clause":"11","heading":"Renewal of the Policy","page":15,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57#c-11-2"}],"law":[]},{"key":"permanent_partial_disability","label":"Permanent partial disability","section":"Cover","meaning":"The table of payouts for losing a limb, eye, hearing...","status":"cross-checked","value":"A percentage of the sum insured from a table: one hand, one foot, sight of one eye or both ears 50%; four fingers and thumb 40%; four fingers 35%; thumb 25% or 10%; one ear 20%; all toes 20%; fingers and toes 1% to 10%; other disablements as assessed by an independent medical practitioner.","display":"Table: 50% (hand, foot, one eye, both ears), 40%, 35%, 25%, 20% ... down to 1%","note":"Disablement must occur within 12 months of the accident. Middle, ring and little finger and metacarpus losses pay 2% to 6%. Multiple disablements are capped at the sum insured.","quote":"c) Permanent Partial Disablement: The company shall pay the following percentage of Sum Insured, specified in the policy schedule, if the Insured Person suffers Permanent Partial Disablement of the nature specified below solely and directly due to an Accident during the Policy Period provided that the Permanent Partial Disablement shall occur within 12 months of the date of the Accident.\nLoss Covered | Percentage of Sum Insured\n1. | Loss of Use / Physical Separation: One entire hand One entire foot Loss of Sight of one eye Loss of toes - all Great both phalanges Great - one phalanx Other than great if more than one toe lost | 50% 50% 50% 20% 5% 2% 1%\n2. | Loss of Use of both ears | 50%\n3. | Loss of Use of one ear | 20%\n4. | Loss of four fingers and thumb of one hand | 40%\n5. | Loss of four fingers | 35%\n6. | Loss of thumb - both phalanges - one phalanx | 25% 10%\n7. | Loss of lndex finger\nthree phalanges two phalanges one phalanx | 10% 8% 4%\n8. | Loss of middle finger three phalanges two phalanges one phalanx | 6% 4% 2%\n9. | Loss of ring finger three phalanges two phalanges one phalanx | 5% 4% 2%\n10. | Loss of little finger three phalanges two phalanges one phalanx | 4% 3% 2%\n11. | Loss of metacarpus first or second (additional) third, fourth or fifth (additional) . | 3% 2%\n12. | Any other permanent partial disablement | Percentage as assessed by the independent Medical Practitioner\nMaximum amount payable in respect of multiple nature of disablements shall be restricted to sum insured chosen by the policyholder.","sources":[{"clause":"I(e)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57#c-i-e"}],"law":[]},{"key":"temporary_total_disability","label":"Temporary total disability","section":"Cover","meaning":"Weekly income paid while you cannot work after an accident.","status":"cross-checked","value":"Optional cover: 0.2% of the base sum insured per week while unable to work, if disablement exceeds 4 weeks; up to 100 weeks per injury and never more than the sum insured; paid quarterly.","display":"0.2% of base sum insured per week, up to 100 weeks (optional)","note":"Optional cover. The weekly rate is from the prospectus; the policy wording says the benefit is 'as specified in the policy schedule'. Disablement must be certified to have started within 30 days of the accident.","quote":"compensation shall be payable, at the rate of 0.2% of the base sum insured per week, till the time the insured person is able to return to work ... i) Such period of temporary total disablement exceeds 4 weeks, however, benefit shall be payable for the entire duration of disablement. ... ii) The compensation payable under this benefit mentioned under Section- Temporary Total Disablement, shall not be payable for more than 100 weeks in respect of any one Injury calculated from the date of commencement of disablement and in no case shall exceed the Sum Insured. ... iv) The compensation payable, shall be paid by the insurer at quarterly intervals ... iii) The Temporary Total Disablement is certified in writing by the treating Medical Practitioner to have commenced within 30 days from the date of the Accident. ... the company shall pay the benefit as specified in the policy schedule","sources":[{"clause":"2(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/58#c-2-a"},{"clause":"I(a)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57#c-i-a-4"}],"law":[]},{"key":"accident_medical","label":"Accident medical expenses","section":"Cover","meaning":"Treatment costs after an accident.","status":"cross-checked","value":"Optional cover: hospitalisation expenses after an accident reimbursed up to 10% of the base sum insured, for treatment in India; includes dental treatment, plastic surgery, day care treatments and road ambulance up to Rs. 2000 per hospitalisation.","display":"Up to 10% of base sum insured (optional, India only)","note":"Optional cover, over and above the base sum insured. AYUSH hospitalisation covered without sub-limits. Annexure-B List I items are not payable.","quote":"The Company shall indemnify medical expenses incurred for hospitalisation arising due to accident during the policy period, up to the limit of 10% of the base sum insured, specified in the policy schedule. ... i. Dental treatment\nii. Plastic surgery\niii. All the day care treatments.\niv. Expenses incurred on road Ambulance subject to a maximum of Rs.2000/- per hospitalization. ... The coverage of optional cover \"Hospitalization expenses due to accident\", is limited to medical treatment taken in India only. ... vi) Expenses incurred on hospitalization due to accident, under AYUSH (as defined in IRDAI (Health Insurance) Regulations, 2016) systems of medicine shall be covered without any sub- limits. ... i) The benefits payable under each of the optional covers C.II(a), C.II(b) and C.II(c) are independent and over and above the base sum insured. ... iv) All expenses listed in Annexure-B (List I) of the Policy.","sources":[{"clause":"I(b)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57#c-i-b-4"},{"clause":"I(b)(vi)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57#c-i-b-vi"},{"clause":"17","heading":"Territorial Limit","page":18,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57#c-17-2"},{"clause":"I(b)(i)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57#c-i-b-i-2"},{"clause":"2","heading":"SPECIFIC EXCLUSIONS","page":12,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57#c-2-2"}],"law":[]},{"key":"occupation_classes","label":"Occupation rules","section":"Eligibility","meaning":"Whether your job affects cover or premium.","status":"cross-checked","value":"Yes. Premium depends on the occupation risk class: Class I (administrative, professional), Class II (manual labour, drivers, mechanics), Class III (mines, explosives, high tension, jockeys, racing and similar). A change of occupation must be notified.","display":"Premium varies by Risk Class I, II or III by occupation","note":"Risk classes are from the prospectus premium section.","quote":"The premium rates will depend upon the Risk Class which you belong to. ... 1. Risk Class I corresponds to insured members engaged in administrative or managing functions, accountant, doctor, lawyer, architect, consulting engineer, teacher, and banker ... 2. Risk Class II corresponds to person engaged in manual labour, garage or motor mechanic, machine operator, paid driver of a car ... 3. Risk Class III corresponds to person working in underground mines, in explosive magazines or in electrical installations with high tension supply, or insured is a jockey, circus personnel, engaged in racing on wheels or horseback ... The Insured Person shall immediately notify the Company in writing of any change in his business or occupation","sources":[{"clause":null,"heading":"Claim Settlement","page":8,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/58#c-claim-settlement"},{"clause":"15","heading":"Material Change","page":18,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57#c-15-2"}],"law":[]}],"documents":[{"kind":"wording","label":"Policy Wordings - Saral Suraksha Bima, Go Digit - GODPAIP21616V012021","pages":26,"fetched_at":"2026-10-16 06:29:32.915041+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/health/saral-suraksha-bima-go-digit-policy-wordings.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/57"},{"kind":"prospectus","label":"Prospectus - Saral Suraksha Bima, Go Digit - GODPAIP21616V012021","pages":9,"fetched_at":"2026-10-16 06:29:32.915041+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/health/saral-suraksha-bima-go-digit-prospectus.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/58"},{"kind":"cis","label":"CIS - Saral Suraksha Bima , Go Digit - GODPAIP21616V012021","pages":4,"fetched_at":"2026-10-16 06:29:32.915041+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/health/cis-go-digit-saral-suraksha-policy.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021/document/59"}],"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":"Saral Suraksha Bima, Go Digit (UIN GODPAIP21616V012021), IndiaInsurances, https://indiainsurances.com/policy/go-digit-general-insurance/saral-suraksha-bima-go-digit-godpaip21616v012021"}