{"uin":"ICIHLGP24019V062324","name":"Group Health (Floater) Insurance - ICIHLGP24019V062324","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324","insurer":{"slug":"icici-lombard-general-insurance","name":"ICICI LOMBARD General Insurance Company Limited","url":"https://indiainsurances.com/insurer/icici-lombard-general-insurance"},"line":"health","category":"group-health","category_name":"Group health","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Group Health (Floater) Insurance is a one-year group health indemnity policy with floater cover for immediate family under the same Sum Insured. It has a 30-day initial waiting period, 36-month pre-existing disease waiting period, 12-month specific disease waiting period, and cashless treatment at network providers.","analysis":{"state":"machine","analysed_at":"2026-10-20 04:30:42.89407+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"No named plan variants are printed in the provided policy wording or prospectus.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"The policy tenure is for a period of 1 year only.","display":"1 year only","note":null,"quote":"Cover Period: The policy tenure would be for a period of 1 year only","sources":[{"clause":"4(I)(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20028#c-4-i-b-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":"quote-verified","value":"For cashless treatment, pre-authorisation should be received at least 48 hours before planned hospitalisation and within 24 hours of hospitalisation in an emergency. For reimbursement, claims must be intimated 48 hours prior to hospitalisation or within 24 hours post admission in an emergency, and written claim documents must be delivered within 30 days from completion of treatment.","display":"48 hours before planned hospitalisation; within 24 hours of emergency admission; documents within 30 days from completion of treatment","note":null,"quote":"Request for pre- authorisation should be received at least 48 hours before a planned Hospitalisation and in case of an emergency situation, within 24 hours of Hospitalisation. ... All claims have to be intimated 48 hours prior to Hospitalisation or within 24 hours post admission in case of emergency for prompt settlement of claims. ... The Insured shall deliver to the Company, within 30 days from the date of completion of treatment, a detailed statement in writing as per the claim form together with bills, vouchers and any other material particular, relevant to the making of such claim, collected from hospital at the time of discharge along with the claim form.","sources":[{"clause":null,"heading":"Pre-authorization","page":16,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-pre-authorization"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Duly completed claim form signed by the insured","Original bills, receipts and discharge certificate/card from the Hospital","Original bills from Chemists supported by proper prescription","Original investigation test reports and payment receipts","Indoor case papers","Medical Practitioner's referral letter advising Hospitalisation in non-Accident cases","Account details for Electronic Fund Transfer (EFT mandate form and cancelled cheque)","Any other document as required by the Company or the TPA to investigate the Claim or the Company’s obligation to make payment for it."],"display":"Claim form, hospital bills/receipts/discharge card, chemist bills with prescription, investigation reports, indoor case papers, referral letter, EFT details, and any other required document","note":null,"quote":"The Insured shall be required to furnish the following for or in support of a claim:\nI. Duly completed claim form signed by the insured\nII. Original bills, receipts and discharge certificate/card from the Hospital\nIII. Original bills from Chemists supported by proper prescription\nIV. Original investigation test reports and payment receipts\nV. Indoor case papers\nVI) Medical Practitioner's referral letter advising Hospitalisation in non-Accident cases\nVII) Account details for Electronic Fund Transfer (EFT mandate form and cancelled cheque)\nVIII) Any other document as required by the Company or the TPA to investigate the Claim or the Company’s obligation to make payment for it.","sources":[{"clause":null,"heading":"2. Basis of assessment of claims","page":16,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-2-basis-of-assessment-of-claims"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The wording says the Company shall settle or reject a claim within 15 days from receipt of claim / last necessary document. If investigation is warranted, it must be completed within 30 days from receipt of last necessary document and the claim settled or rejected within 45 days from receipt of last necessary document; delay attracts interest at 2% above the bank rate.","display":"15 days; 45 days if investigation; interest at 2% above bank rate for delay","note":null,"quote":"The Company shall settle or reject a claim, as the case may be, within 15 days from the date of receipt of claim. receipt of last necessary document. ... where the circumstances of a claim warrant an investigation in the opinion of the Company, it shall initiate and complete such investigation at the earliest, in any case not later than 30 days from the date of receipt of last necessary document- ln such cases, the Company shall settle or reject the claim within 45 days from the date of receipt of last necessary document. ... ln case of delay beyond stipulated 45 days, the Company shall be liable to pay interest to the policyholder at a rate 2% above the bank rate from the date of receipt of last necessary document to the date of payment of claim.","sources":[{"clause":"14(a)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-14-a"},{"clause":"14(c)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-14-c"},{"clause":"14(d)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-14-d"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Pre-Existing Diseases - Code- Excl01","Specific Waiting Period: /Specified Disease/Procedure waiting period- Code- Excl02","C.30-day waiting period- Code- Excl03","Investigation & Evaluation-Code- Excl04","Rest Cure, rehabilitation and respite care- Excl05","Obesity/ Weight Control: Code- Excl06","Cosmetic or plastic Surgery: Code-Excl08","Hazardous or Adventure sports: Code- Excl09","Breach of law: Code- Excl10","Excluded Providers: Code- Excl11","Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. Code- Excl12","Unproven Treatments: Code- Excl16","Sterility and Infertility: Code- Excl17","Maternity: Code Excl18","Dental treatment or surgery of any kind unless requiring Hospitalisation."],"display":"Waiting periods, investigation/evaluation, rest cure, obesity surgery limits, cosmetic surgery, adventure sports, breach of law, excluded providers, substance abuse, unproven treatments, infertility, maternity and dental treatment unless hospitalised","note":null,"quote":"A. Pre-Existing Diseases - Code- Excl01 ... B. Specific Waiting Period: /Specified\nDisease/Procedure waiting period- Code- ... Excl02 ... C.30-day waiting period- Code- Excl03 ... D. Investigation & Evaluation-Code- Excl04 ... E. Rest Cure, rehabilitation and respite care- ... Excl05 ... F. Obesity/ Weight Control: Code- Excl06 ... G. Cosmetic or plastic Surgery: Code-Excl08 ... H. Hazardous or Adventure sports: Code- Excl09 ... I) Breach of law: Code- Excl10 ... J. Excluded Providers: Code- Excl11 ... K. Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. Code- Excl12 ... O. Unproven Treatments: Code- Excl16 ... P. Sterility and Infertility: Code- Excl17 ... Q. Maternity: Code Excl18 ... Dental treatment or surgery of any kind unless requiring Hospitalisation.","sources":[{"clause":null,"heading":"Standard Exclusions","page":11,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-standard-exclusions"},{"clause":null,"heading":"B. Specific Waiting Period: /Specified","page":11,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-b-specific-waiting-period-specified"},{"clause":"Excl02","heading":null,"page":11,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-excl02"},{"clause":null,"heading":"C.30-day waiting period- Code- Excl03","page":11,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-c-30-day-waiting-period-code-excl03"},{"clause":null,"heading":"D. Investigation & Evaluation-Code- Excl04","page":11,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-d-investigation-evaluation-code-excl04"},{"clause":null,"heading":"E. Rest Cure, rehabilitation and respite care-","page":11,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-e-rest-cure-rehabilitation-and-respite-care"},{"clause":"Excl05","heading":null,"page":11,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-excl05"},{"clause":null,"heading":"F. Obesity/ Weight Control: Code- Excl06","page":12,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-f-obesity-weight-control-code-excl06"},{"clause":null,"heading":"G. Cosmetic or plastic Surgery: Code-Excl08","page":12,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-g-cosmetic-or-plastic-surgery-code-excl08"},{"clause":null,"heading":"H. Hazardous or Adventure sports: Code- Excl09","page":12,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-h-hazardous-or-adventure-sports-code-excl09"},{"clause":null,"heading":"J. Excluded Providers: Code- Excl11","page":12,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-j-excluded-providers-code-excl11"},{"clause":null,"heading":"O. Unproven Treatments: Code- Excl16","page":12,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-o-unproven-treatments-code-excl16"},{"clause":null,"heading":"P. Sterility and Infertility: Code- Excl17","page":12,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-p-sterility-and-infertility-code-excl17"},{"clause":null,"heading":"Q. Maternity: Code Excl18","page":12,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-q-maternity-code-excl18"},{"clause":null,"heading":"Specific Exclusions","page":13,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-specific-exclusions"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"For a grievance, the insured person may contact ICICI Lombard through the website, toll-free number, email or address, or approach the grievance cell at any company branch. If not satisfied, the insured may contact the grievance officer using the link provided before approaching IRDAI or the Insurance Ombudsman.","display":"Complain to ICICI Lombard first through website/toll free/email/address or branch grievance cell, then grievance officer","note":null,"quote":"ln case of any grievance the insured person may contact the Company through\nWebsite: www.icicilombard.com Toll free: 1800 2666 Email: customersupport@icicilombard.com\nAddress: ICICI Lombard General Insurance Co. Ltd. Ground floor- Interface 11, Sixth floor- Interface 16 , Office no 601 & 602, New linking Road, Malad (West), Mumbai – 400064. ... lnsured person may also approach the grievance cell at any of the company's branches with the details of grievance.\nlf lnsured person is not satisfied with the redressal of grievance, insured person may contact the grievance officer at the details provided in the below link:","sources":[{"clause":"25","heading":"Redressal of Grievance","page":22,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-25-2"}],"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":"not-stated","value":null,"display":null,"note":"The policy wording has a Sum Insured field in the policy schedule, but no selectable cover amounts are printed.","quote":null,"sources":[],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":null,"quote":"Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered.","sources":[{"clause":null,"heading":"C.30-day waiting period- Code- Excl03","page":11,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-c-30-day-waiting-period-code-excl03"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"quote-verified","value":{"unit":"months","amount":36},"display":"36 months","note":null,"quote":"Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first policy with insurer.","sources":[{"clause":null,"heading":"Standard Exclusions","page":11,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-standard-exclusions"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"quote-verified","value":{"unit":"months","amount":12},"display":"12 months","note":null,"quote":"Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 12 months of continuous coverage after the date of inception of the first policy with us.","sources":[{"clause":"Excl02","heading":null,"page":11,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-excl02"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"quote-verified","value":["Cataract","Benign Prostatic Hypertrophy","Hysterectomy for Menorrhagia or Fibromyoma","Hernia","Hydrocele","Fistula in anus","piles","Sinusitis and related disorders"],"display":"Cataract, Benign Prostatic Hypertrophy, Hysterectomy for Menorrhagia or Fibromyoma, Hernia, Hydrocele, Fistula in anus, piles, Sinusitis and related disorders","note":null,"quote":"List of specific diseases/procedures Cataract, Benign Prostatic Hypertrophy,\nHysterectomy | for | Menorrhagia | or\nFibromyoma, Hernia, Hydrocele, , Fistula in anus, piles, Sinusitis and related disorders","sources":[{"clause":"Excl02","heading":null,"page":11,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-excl02"}],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"quote-verified","value":{"unit":"months","amount":60},"display":"sixty continuous months","note":"The moratorium applies to the sums insured of the first policy; for enhanced sums insured, sixty continuous months applies from the enhancement date on the enhanced limits.","quote":"After completion of sixty continuous months of coverage (including portability and migration) in health insurance policy, no policy and claim shall be contestable by the insurer on grounds of non-disclosure, misrepresentation, except on grounds of established fraud. This period of sixty continuous months is called as moratorium period.","sources":[{"clause":"20","heading":"Moratorium","page":21,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-20-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"quote-verified","value":"The insured can port the policy to another insurer by applying at least 30 days before, but not earlier than 60 days from, the renewal due date. Credits gained transfer to the extent of the sum insured and benefits available in the previous policy, subject to underwriting, and this is not applicable for enhanced sum insured.","display":"Can port to another insurer with waiting-period credit, subject to conditions","note":null,"quote":"The insured has the choice to port his / her policies from one Insurer to another. An Insured desirous of porting his/her policy to another insurer shall apply to such insurer to port the entire policy along with all the members of the family, if any, at least 30 days before, but not earlier than 60 days from the due date for renewal. ... The insured is entitled to transfer the credits gained to the extent of the sum insured and the benefits available in the previous policy, subject to the underwriting policy of the Company ... This benefit is not applicable for enhanced sum insured.","sources":[{"clause":"12","heading":"Portability","page":20,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-12-2"}],"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":"quote-verified","value":true,"display":"Yes, maximum renewal age for lifetime","note":null,"quote":"Maximum Renewal age - For lifetime","sources":[{"clause":"4(I)(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20028#c-4-i-b-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 Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"quote-verified","value":"The group policy premium can be loaded at renewal depending on the incurred claims ratio for the entire group, as mutually agreed by the insured and the insurer. The renewal clause also says no loading shall apply on renewals based on individual claims experience.","display":"Group-level high claim ratio loading may apply; no individual-claims loading","note":"The printed loading is based on the incurred claims ratio of the entire group, not on an individual insured person's claims experience.","quote":"High Claim Ratio loading (Malus): The Total Premium payable at renewal of the Group Policy will be loaded depending upon the incurred claims ratio for the entire group insured under the Group Mediclaim Insurance Policy as mutually agreed by the insured and the insurer. ... No loading shall apply on renewals based on individual claims experience","sources":[{"clause":"Excl05(IX)(f)","heading":"High Claim Ratio loading (Malus)","page":18,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-excl05-ix-f"},{"clause":"22","heading":"Renewal notice","page":22,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-22-2"}],"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":"quote-verified","value":["Investigation & Evaluation-Code- Excl04","Rest Cure, rehabilitation and respite care- Excl05","Obesity/ Weight Control: Code- Excl06","Cosmetic or plastic Surgery: Code-Excl08","Hazardous or Adventure sports: Code- Excl09","Breach of law: Code- Excl10","Excluded Providers: Code- Excl11","Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. Code- Excl12","Treatments received in heath hydros, nature cure clinics, spas or similar establishments or private beds registered as a nursing home attached to such establishments or where admission is arranged wholly or partly for domestic reasons. Code- Excl13","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 Hospitalisation claim or day care procedure. Code- Excl14","Refractive Error: Code- Excl15","Unproven Treatments: Code- Excl16","Sterility and Infertility: Code- Excl17","Maternity: Code Excl18","Circumcision whether or not necessitated by vaccination or inoculation or change of life or cosmetic or aesthetic treatment of any description","The cost of spectacles and contact lenses, hearing aids.","Dental treatment or surgery of any kind unless requiring Hospitalisation.","Diseases, illness, accident or injuries directly or indirectly caused by or contributed to by nuclear weapons/materials","Diseases, illness, accident or injuries directly or indirectly caused by or arising from or attributable to war, invasion, act of foreign enemy, war like operations"],"display":"Excl04 to Excl18 permanent exclusions and product-specific exclusions including circumcision/cosmetic treatment, spectacles/contact lenses/hearing aids, dental treatment unless hospitalised, nuclear risks and war risks","note":"The standard exclusions printed in the wording skip Code- Excl07.","quote":"D. Investigation & Evaluation-Code- Excl04 ... E. Rest Cure, rehabilitation and respite care- ... Excl05 ... F. Obesity/ Weight Control: Code- Excl06 ... G. Cosmetic or plastic Surgery: Code-Excl08 ... H. Hazardous or Adventure sports: Code- Excl09 ... I) Breach of law: Code- Excl10 ... J. Excluded Providers: Code- Excl11 ... K. Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. Code- Excl12\nL. Treatments received in heath hydros, nature cure clinics, spas or similar establishments or private beds registered as a nursing home attached to such establishments or where admission is arranged wholly or partly for domestic reasons. Code- Excl13\nM. 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 Hospitalisation claim or day care procedure. Code- Excl14\nN. Refractive Error: Code- Excl15 ... O. Unproven Treatments: Code- Excl16 ... P. Sterility and Infertility: Code- Excl17 ... Q. Maternity: Code Excl18 ... Circumcision whether or not necessitated by vaccination or inoculation or change of life or cosmetic or aesthetic treatment of any description ... The cost of spectacles and contact lenses, hearing aids. ... Dental treatment or surgery of any kind unless requiring Hospitalisation. ... Diseases, illness, accident or injuries directly or indirectly caused by or contributed to by nuclear weapons/materials ... Diseases, illness, accident or injuries directly or indirectly caused by or arising from or attributable to war, invasion, act of foreign enemy, war like operations","sources":[{"clause":null,"heading":"D. Investigation & Evaluation-Code- Excl04","page":11,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-d-investigation-evaluation-code-excl04"},{"clause":null,"heading":"E. Rest Cure, rehabilitation and respite care-","page":11,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-e-rest-cure-rehabilitation-and-respite-care"},{"clause":"Excl05","heading":null,"page":11,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-excl05"},{"clause":null,"heading":"F. Obesity/ Weight Control: Code- Excl06","page":12,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-f-obesity-weight-control-code-excl06"},{"clause":null,"heading":"G. Cosmetic or plastic Surgery: Code-Excl08","page":12,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-g-cosmetic-or-plastic-surgery-code-excl08"},{"clause":null,"heading":"H. Hazardous or Adventure sports: Code- Excl09","page":12,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-h-hazardous-or-adventure-sports-code-excl09"},{"clause":null,"heading":"J. Excluded Providers: Code- Excl11","page":12,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-j-excluded-providers-code-excl11"},{"clause":null,"heading":"O. Unproven Treatments: Code- Excl16","page":12,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-o-unproven-treatments-code-excl16"},{"clause":null,"heading":"P. Sterility and Infertility: Code- Excl17","page":12,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-p-sterility-and-infertility-code-excl17"},{"clause":null,"heading":"Q. Maternity: Code Excl18","page":12,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-q-maternity-code-excl18"},{"clause":null,"heading":"Specific Exclusions","page":13,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-specific-exclusions"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The insured may cancel the policy during the term by giving 7 days’ written notice. For a policy term up to one year, the insurer refunds proportionate premium for the unexpired policy period if no claim has been made; for terms over one year, it refunds premium for policy years whose risk coverage has not commenced, and no refund is made if any claim has been admitted or lodged or any benefit availed.","display":"7 days’ notice; proportionate refund for unexpired period if term up to 1 year and no claim","note":null,"quote":"The insured may cancel the policy at any time during the term, by giving 7 days’ notice in writing. ... refund proportionate premium for unexpired policy period, if the term of policy up to one year and there is no claim (s) made during the policy period. ... refund premium for the unexpired policy period, in respect of policies with term more than 1 year and risk coverage for such policy years has not commenced. Notwithstanding anything contained herein or otherwise, no refunds of premium shall be made in respect of Cancellation where, any claim has been admitted or has been lodged or any benefit has been availed by the Insured person under the Policy.","sources":[{"clause":"8","heading":"Cancellation","page":19,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-8-2"},{"clause":"8(a)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-8-a"},{"clause":"8(b)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-8-b"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"Medical and surgical treatment must be taken in India unless agreed in Part I of the Policy, and claims are payable in Indian currency. Claims are not payable unless the cause of action arises in India unless otherwise specifically provided in Part II.","display":"India, unless agreed/provided otherwise in the policy","note":null,"quote":"All medical/surgical treatment under this policy shall have to be taken in India (unless agreed upon in Part I of the Policy) and admissible claims thereof shall be payable in Indian currency. ... No Claims shall be payable under this policy unless the cause of action arises in India, unless otherwise specifically provided in Part II of the Policy to this policy. All claims shall be payable in India in Indian Rupees only.","sources":[{"clause":"Excl05(IX)(d)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-excl05-ix-d"},{"clause":"17","heading":"Cause of Action/ Currency for payment","page":21,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#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":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"The wording excludes policies with tenure of less than a year from this free-look provision.","quote":"Every insured of new health insurance policies, except for those policies with tenure of less than a year, shall be provided a free look period of 30 days beginning from the date of receipt of policy document, whether received electronically or otherwise, to review the terms and conditions of such policy.","sources":[{"clause":"11","heading":"Free Look Period","page":20,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-11-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":15},"display":"fifteen days where premium payment mode is monthly and thirty days in all other cases","note":"The grace period is 15 days for monthly premium payment mode and 30 days in all other cases.","quote":"The grace period for payment of the premium for all types of insurance policies shall be: fifteen days where premium payment mode is monthly and thirty days in all other cases.","sources":[{"clause":"18","heading":"Grace Period","page":4,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-18"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"Entry age is minimum 3 months to > 95 yrs. Children above 3 months can be covered provided one or both parents are covered concurrently.","display":"minimum 3 months to > 95 yrs","note":null,"quote":"Entry age – The policy can be offered to an individual whose age is minimum 3 months to > 95 yrs. Children above 3 months can be covered provided one or both the parents are covered concurrently","sources":[{"clause":"4(I)(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20028#c-4-i-b-2"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"not-stated","value":null,"display":null,"note":"The wording mentions instalment premium and grace periods for monthly and other cases, but it does not list the available premium payment modes.","quote":null,"sources":[],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"quote-verified","value":["Cover for Pre-Existing Diseases","Maternity Expenses","Out Patient Department (OPD) Expenses","Cost of Prescribed External Medical Aid","Baby Day One Cover","Critical Illnesses Cover","Travel Expenses for Medical Treatment","Dental Expenses","Cover for Alternate Methods of Treatment","Donor Expenses","Ambulance Charges","Pre and Post Hospitalisation","Health Check-Up","Disease-Wise Sub-Limit","Domiciliary Hospitalisation","Treatment Outside India (along with traveling cost & boarding & lodging of the attendant)","Convalescence Benefit","Loss of wages/salary due to Hospitalisation (Hospital Daily Cash Allowance)","Cover for allied hospital charges","Limit on room rent, nursing charges, consultation fees, diagnostic charges, OT charges etc","Wellness & Preventive Care"],"display":"PED cover, maternity, OPD, external medical aid, baby day one, critical illness, travel for medical treatment, dental, alternate methods, donor, ambulance, pre/post hospitalisation, health check-up, disease sub-limit, domiciliary, treatment outside India, convalescence, hospital daily cash, allied hospital charges, room-rent limits and wellness/preventive care","note":"These are add-ons/extensions and apply only if opted and premium is charged as per Part I of the Policy.","quote":"Insured may also avail the following additional covers/add-ons (extensions) under the policy. Risk Premium would be charged as per the cover provided in Part I of the Policy:\n1. Cover for Pre-Existing Diseases: ... 2. Maternity Expenses: ... 3. Out Patient Department (OPD) Expenses: ... 4. Cost of Prescribed External Medical Aid: ... 5. Baby Day One Cover: ... 6. Critical Illnesses Cover: ... 7. Travel Expenses for Medical Treatment: ... 8. Dental Expenses: ... 9. Cover for Alternate Methods of ... Treatment: ... 10. Donor Expenses: ... 11. Ambulance Charges: ... 12. Pre and Post Hospitalisation: ... 13. Health Check-Up: ... 14. Disease-Wise Sub-Limit: ... 15. Domiciliary Hospitalisation: ... 16. Treatment Outside India (along with ... traveling cost & boarding & lodging of the ... attendant): ... 17. Convalescence Benefit: ... 18. Loss of wages/salary due to Hospitalisation (Hospital Daily Cash ... Allowance): ... 19. Cover for allied hospital charges: ... 20. Limit on room rent, nursing charges, consultation fees, diagnostic charges, OT charges etc: ... 21. Wellness & Preventive Care:","sources":[{"clause":null,"heading":"Specific Exclusions","page":13,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-specific-exclusions"},{"clause":null,"heading":"5. Baby Day One Cover","page":14,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-5-baby-day-one-cover"},{"clause":null,"heading":"6. Critical Illnesses Cover","page":14,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-6-critical-illnesses-cover"},{"clause":null,"heading":"8. Dental Expenses","page":14,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-8-dental-expenses"},{"clause":null,"heading":"9. Cover for Alternate Methods of","page":14,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-9-cover-for-alternate-methods-of"},{"clause":null,"heading":"Treatment","page":14,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-treatment"},{"clause":null,"heading":"11. Ambulance Charges","page":14,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-11-ambulance-charges"},{"clause":null,"heading":"12. Pre and Post Hospitalisation","page":14,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-12-pre-and-post-hospitalisation"},{"clause":null,"heading":"16. Treatment Outside India (along with","page":15,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-16-treatment-outside-india-along-with"},{"clause":null,"heading":"attendant)","page":15,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-attendant"},{"clause":null,"heading":"17. Convalescence Benefit","page":15,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-17-convalescence-benefit"},{"clause":null,"heading":"18. Loss of wages/salary due to Hospitalisation (Hospital Daily Cash","page":15,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-18-loss-of-wages-salary-due-to-hospitalisation-h"},{"clause":null,"heading":"Allowance)","page":15,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-allowance"},{"clause":null,"heading":"19. Cover for allied hospital charges","page":15,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-19-cover-for-allied-hospital-charges"}],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"quote-verified","value":"Coverage is not available during the renewal grace period and risk coverage is not available for that period. For instalment premium during the policy period, the wording says insurers shall offer coverage during the grace period if the premium is paid in instalments during the policy period.","display":"No cover during renewal grace period; cover offered for instalment-premium grace period","note":"The policy distinguishes renewal grace period from grace period for instalment premiums during the policy period.","quote":"Coverage is not available during the grace period. ... However, risk coverage shall not be available for such a period. ... Provided the insurers shall offer coverage during grace period, if the premium is paid in installments during the policy period.","sources":[{"clause":"22","heading":"Renewal notice","page":22,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-22-2"},{"clause":"10(I)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-10-i"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"Daily room limit, if any.","status":"quote-verified","value":"Room and boarding expenses are payable as incurred at the Hospital/Nursing Home, subject to the Sum Insured. A room-rent or related expense limit can be introduced only through the add-on for limits on room rent, nursing charges, consultation fees, diagnostic charges, OT charges, etc.","display":"Room and boarding expenses as incurred; optional add-on may impose room-rent limits","note":"No fixed daily room-rent amount is printed in the base wording; any specific limit would be in Part I/add-on terms.","quote":"Room and Boarding Expenses as incurred at the Hospital/ Nursing Home; ... The benefit payable shall be such expenses reasonably and necessarily incurred by or on behalf of the Insured Person under the following categories but not exceeding the Sum Insured in respect of such Insured person as specified in Part I of the Policy. ... Limit on room rent, nursing charges, consultation fees, diagnostic charges, OT charges etc: This add-on restricts the coverage for respective heads upto a specified amount.","sources":[{"clause":null,"heading":"2. Basis of assessment of claims","page":16,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-2-basis-of-assessment-of-claims"},{"clause":null,"heading":"19. Cover for allied hospital charges","page":15,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-19-cover-for-allied-hospital-charges"}],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Childbirth cover and any waiting period.","status":"quote-verified","value":"Maternity is excluded under the base exclusions, except ectopic pregnancy and miscarriage due to accident as stated. If the maternity add-on is opted, it covers delivery during hospitalisation or lawful medical termination of pregnancy, may be offered with or without any waiting period, and the printed default is after 9 months or as stated in Part I.","display":"Excluded unless maternity add-on is opted; add-on waiting period 9 months or as stated in Part I","note":"The maternity cover is an add-on, so it changes cover only if opted.","quote":"Q. Maternity: Code Excl18\ni. Medical treatment expenses traceable to childbirth (including complicated deliveries and\ncaesarean | sections | incurred | during\nHospitalisation) except ectopic pregnancy;\nii. Expenses towards miscarriage (unless due to an accident) and lawful medical termination of pregnancy during the policy period ... Maternity Expenses: This add-on provides cover for medical expenses incurred for delivery, during Hospitalisation or lawful medical termination of pregnancy during the Policy Period This coverage may be offered with or without any waiting period. ... The cover under this add-on shall be available after 9 months (or as stated in Part I of the Policy) of continuous coverage have elapsed since the inception of the first Policy with the Company","sources":[{"clause":null,"heading":"Q. Maternity: Code Excl18","page":12,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-q-maternity-code-excl18"},{"clause":null,"heading":"Specific Exclusions","page":13,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-specific-exclusions"}],"law":[]},{"key":"ped_cover_group","label":"Pre-existing diseases","section":"Waiting periods","meaning":"Whether pre-existing diseases are covered from day one for the group.","status":"quote-verified","value":"Pre-existing diseases are not covered from day one under the base cover; PED treatment and direct complications are excluded until 36 months of continuous coverage. An add-on can cover pre-existing diseases after 1 year or as stated in Part I of the Policy.","display":"No day-one PED cover in base policy; 36 months, or add-on after 1 year/as Part I","note":"The add-on is optional and applies only if bought.","quote":"Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first policy with insurer. ... Cover for Pre-Existing Diseases: By way of this add-on, Pre-existing Diseases shall be covered after 1 year (or as stated in Part I of the Policy.)","sources":[{"clause":null,"heading":"Standard Exclusions","page":11,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-standard-exclusions"},{"clause":null,"heading":"Specific Exclusions","page":13,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-specific-exclusions"}],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"quote-verified","value":"Cashless treatment is available only at a Network Provider. Under cashless facility, treatment costs are directly paid to the network provider by the insurer to the extent of pre-authorisation approved.","display":"Yes, only at a Network Provider","note":null,"quote":"Cashless facility means a facility extended by the insurer to the insured where the payments, of the costs of treatment undergone by the insured in accordance with the policy terms and conditions, are directly made to the network provider by the insurer to the extent pre-authorization approved. ... Cashless treatment is only available at a Network Provider (List of Network Providers is available at our website).","sources":[{"clause":"5","heading":"Cashless Facility","page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-5"},{"clause":null,"heading":"1. Claims Procedure","page":15,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-1-claims-procedure"}],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"quote-verified","value":"Claims may be handled by the Company or the TPA. The policy schedule/conditions field provides for Third Party Administrator (TPA) / In house, and claim procedures refer to contacting the company or the TPA.","display":"Company or TPA; TPA / In house as specified","note":"The actual TPA or in-house arrangement is to be specified in the policy schedule/Part I.","quote":"Third Party Administrator (TPA)/ In house: ... the insured must contact the company or the TPA accompanied with full particulars ... to the TPA by calling the toll free number as specified in the Policy provided to the insured and also in writing at the Company’s address","sources":[{"clause":null,"heading":"Conditions","page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-conditions"},{"clause":null,"heading":"Pre-authorization","page":16,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370#c-pre-authorization"}],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"quote-verified","value":true,"display":"Yes, immediate family covered for the same Sum Insured under a single policy","note":null,"quote":"Floater Benefit: The Insured can avail a Floater cover and get immediate family covered for the same Sum Insured under a single policy by paying one premium amount.","sources":[{"clause":"4(I)(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20028#c-4-i-b-2"}],"law":[]}],"documents":[{"kind":"wording","label":"Group Health (Floater) Insurance - ICIHLGP24019V062324","pages":26,"fetched_at":"2026-10-20 02:35:29+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/ghi-4016_group-health-floater-insurance_pdf.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20370"},{"kind":"prospectus","label":"Group Health (Floater) Insurance - ICIHLGP24019V062324","pages":11,"fetched_at":"2026-10-20 02:11:16+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/group-health-(floater)-insurance_prospectus-40168c0007ff45fd68ff8a0df0055f854569.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/20028"},{"kind":"premium","label":"Group Health (Floater) Insurance - ICIHLGP24019V062324","pages":null,"fetched_at":"2026-10-20 01:58:07+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/grouphealth(floater)insurance_ratechart.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/19611"},{"kind":"premium","label":"Group Health (Floater) Insurance - ICIHLGP24019V062324","pages":null,"fetched_at":"2026-10-20 02:10:50+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/group-health-(floater)-insurance---icihlgp24019v062324.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324/document/19651"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"ICICI LOMBARD General Insurance official website","url":"https://www.icicilombard.com","note":"Website as listed by IRDAI. Not checked: the site blocks automated requests (bot wall) for our crawler on 2026-10-19; we do not bypass walls."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"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":"Group Health (Floater) Insurance - ICIHLGP24019V062324 (UIN ICIHLGP24019V062324), IndiaInsurances, https://indiainsurances.com/policy/icici-lombard-general-insurance/group-health-floater-insurance-icihlgp24019v062324-icihlgp24019v062324"}