{"uin":"IRDAN115RP0002V01202425","name":"HEALTH CARE & MEDICAL PROFESSIONAL LIABILITY - IRDAN115RP0002V01202425","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-care-and-medical-professional-liability-irdan115rp0002v01202425-irdan115rp0002v01202425","insurer":{"slug":"icici-lombard-general-insurance","name":"ICICI LOMBARD General Insurance Company Limited","url":"https://indiainsurances.com/insurer/icici-lombard-general-insurance"},"line":"general","category":"liability","category_name":"Liability","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"This is a medical professional liability policy covering civil liability arising from Healthcare Services and/or Professional Services and defence costs. The prospectus says the policy can be multi-year with tenure of up to 3 years, and the schedule states worldwide territorial limits.","analysis":{"state":"machine","analysed_at":"2026-10-20 07:34:53.837247+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"The documents do not name plan variants.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"Multi-year policy, offering tenure of up to 3 years.","display":"Up to 3 years","note":"From the prospectus; the policy wording schedule template has blank from/to dates.","quote":"Health Care & Medical Professional Liability is a multi-year policy, offering tenure of up to 3 years.","sources":[{"clause":null,"heading":"The Insurance Cover","page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-care-and-medical-professional-liability-irdan115rp0002v01202425-irdan115rp0002v01202425/document/20119#c-the-insurance-cover"}],"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":"Written notice of circumstances or any claim must be given as soon as practicable during the Policy Period or Extended Reporting Period if applicable, and not later than 30 days from its end.","display":"As soon as practicable during the Policy Period or Extended Reporting Period; written notice not later than 30 days from the end","note":null,"quote":"The Insured shall give written notice to the Insurer of: ... a) any circumstances that may reasonably be expected to give rise to a Claim; ... b) any Claim made against the Insured,\n(iii) as soon as practicable and in any case, during the Policy Period (or Extended Reporting Period, if applicable).\n(iv) Written notice shall be given to the Insurer at the address specified in the Schedule as soon as reasonably practicable but not later than 30 days from the end of the Policy Period or Extended Reporting Periodand shall include (but not limited to):","sources":[{"clause":"8(a)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-care-and-medical-professional-liability-irdan115rp0002v01202425-irdan115rp0002v01202425/document/20433#c-8-a"},{"clause":"8(a)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-care-and-medical-professional-liability-irdan115rp0002v01202425-irdan115rp0002v01202425/document/20433#c-8-a-2"},{"clause":"8(b)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-care-and-medical-professional-liability-irdan115rp0002v01202425-irdan115rp0002v01202425/document/20433#c-8-b"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Claim bill / Claim Form duly filled up","Photographs / Video of damaged property/item under claim","Document/s in support of admissibility of the claim","FIR / Final Police investigation report wherever applicable","repair/ replacement quotation, invoice and payment proofs","documents substantiating the quantum & value of the items under claim","Offer for retention of salvage, if any","KYC / NEFT Details as per AML guidelines","Invoice copy / Goods Receipt Note / Monetary Claim on carrier / Damage Certificate","Any other document which may be specified by the surveyor post completion of initial survey"],"display":"Claim form/bill, photos or video, admissibility documents, FIR where applicable, repair or replacement proofs, value proofs, salvage offer, KYC/NEFT details, invoice or goods receipt documents, and any surveyor-specified document","note":null,"quote":"4) Documents: submit documents to the assigned CSM/Surveyor. List of documents which are necessary and relevant to the claim are as below:\n1. Claim bill / Claim Form duly filled up\n2. Photographs / Video of damaged property/item under claim\n3. Document/s in support of admissibility of the claim, for instance, all proceedings filed before the courts, communications exchanged with the insured, invoices, payment proofs, internal /external investigation report of the insured, Insureds counsel opinion on merits and demerits of the case, insured counsel engagement letter etc.\n4. FIR / Final Police investigation report wherever applicable\n5. For items which are to be repaired or reinstated, repair/ replacement quotation, invoice and payment proofs for each and every item as claimed.\n6. For items which are under claim & not to be repaired or reinstated, documents substantiating the quantum & value of the items under claim\n7. Offer for retention of salvage, if any\n8. KYC / NEFT Details as per AML guidelines\n9. Invoice copy / Goods Receipt Note / Monetary Claim on carrier / Damage Certificate\n10. Any other document which may be specified by the surveyor post completion of initial survey","sources":[{"clause":"8(c)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-care-and-medical-professional-liability-irdan115rp0002v01202425-irdan115rp0002v01202425/document/20433#c-8-c"}],"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":"Assessment sheet / Survey report will be furnished within 15 days of receipt of claim form and documents. Claim will be decided within 7 days of receipt of the assessment sheet / survey report, as applicable.","display":"Assessment sheet / survey report within 15 days of claim form and documents; claim decided within 7 days of assessment sheet / survey report","note":null,"quote":"Turnaround Time (TAT): Assessment sheet /Survey report will be furnished within 15 days of receipt of claim form and documents. Claim will be decided within 7 days of receipt of the assessment sheet / survey report, as applicable.","sources":[{"clause":"8(c)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-care-and-medical-professional-liability-irdan115rp0002v01202425-irdan115rp0002v01202425/document/20433#c-8-c"}],"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":["Prior claims or known circumstances","Retroactive Date","Professional fees","Asbestos","Directors and officers liability","Dishonest, fraudulent or criminal acts","Employer’s liability","Fines, penalties, punitive or aggravated damages","Goods sold, stored, supplied or distributed","Intoxicants and drugs","Liquidated damages","Radioactivity","Related party claims","War","claims arising due to disappearance, theft or interchange of infants"],"display":"Prior claims or known circumstances; retroactive date; professional fees; asbestos; directors and officers liability; dishonest, fraudulent or criminal acts; employer’s liability; fines/penalties/punitive damages; goods sold or supplied; intoxicants and drugs; liquidated damages; radioactivity; related party claims; war; disappearance, theft or interchange of infants","note":null,"quote":"I) Prior claims or known circumstances ... II) Retroactive Date any Claim resulting from any act, error or omission occurring or committed prior to the Retroactive Date.\nIII) Professional fees ... IV) Asbestos arising directly or indirectly from or in respect of asbestos, asbestos fibres or derivatives of asbestos ... V) Directors and officers liability arising directly or indirectly from or in respect of the Insured’s functions and duties as a director and/or officer of the Insured or any legal entity, corporation or other incorporated body. VI) Dishonest, fraudulent or criminal acts ... III. Employer’s liability arising directly or indirectly from or in respect of: ... VII) Fines, penalties, punitive or aggravated damages arising directly or indirectly from or in respect of fines or penalties including civil penalties, punitive or aggravated damages. VIII) Goods sold, stored, supplied or distributed ... IX) Intoxicants and drugs ... X) Unless and to the extent covered by way of an extension to this Policy, Liquidated damages ... XI) Radioactivity arising directly or indirectly from or in respect of ionising radiation or contamination by radioactivity ... XII) Related party claims arising directly or indirectly from or in respect of any Claim brought by: ... XIII) War arising directly or indirectly from or in respect of any consequence of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military or usurped power ... XVI. claims arising due to disappearance, theft or interchange of infants .","sources":[{"clause":"4","heading":"EXCLUSIONS","page":8,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-care-and-medical-professional-liability-irdan115rp0002v01202425-irdan115rp0002v01202425/document/20433#c-4"}],"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 query or grievance, contact the respective branch office, call toll free 1800-2666, or use the “Grievance Redressal” section on www.icicilombard.com before escalation to IRDAI or the Insurance Ombudsman.","display":"Branch office, toll-free 1800-2666 or “Grievance Redressal” on www.icicilombard.com","note":null,"quote":"For resolution of any query or grievance, Insured may contact the respective branch office of the Company or may call toll free no.1800-2666 or may approach us at the sub section “Grievance Redressal” on our website www.icicilombard.com (Customer Support section). However, if the resolution provided by us is not satisfactory you may approach Insurance Regulatory and Development Authority of India (IRDAI) through the Bima Bharosa Portal - https://bimabharosa.irdai.gov.in/ or IRDAI Grievance Call Centre (IGCC) at their toll free no. 1800 4254 732 / 155255. You may also approach Insurance Ombudsman, subject to vested jurisdiction, for the redressal of grievance.","sources":[{"clause":"8(c)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-care-and-medical-professional-liability-irdan115rp0002v01202425-irdan115rp0002v01202425/document/20433#c-8-c"}],"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":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["Professional Liability","Advancement of Defence Costs","Contractual Liability","Breach of Privacy and Confidentiality","Extended Reporting Period","Spouses, Estates & Representatives","Good Samaritans Cover","Compensation for court attendance","Lost Documents","Defamation, Libel and Slander"],"display":"Professional liability, defence costs, contractual liability, privacy/confidentiality breach, extended reporting, spouses/estates/representatives, Good Samaritans, court attendance, lost documents and defamation/libel/slander","note":null,"quote":"I) Professional Liability Insurer will indemnify or pay on behalf of the Insured against any civil liability of the Insured that incurs in respect of a Claim arising from the performance of Healthcare Services and/or Professional Services. ... II) Advancement of Defence Costs Insurer will pay for Defence Costs in respect of a Claim covered under Insuring Clause I(I) or under any applicable extension. ... I) Contractual Liability It is hereby understood and agreed that the Insurer shall indemnify the Insured, for their contractual liability ... II) Breach of Privacy and Confidentiality\nIt is hereby understood and agreed that the Insurer shall indemnify the Insured towards any Claim which the Insured shall become legally obligated to pay as a result of any unintentional breach of privacy and confidentiality ... III) Extended Reporting Period If the Policy is neither renewed nor replaced by the Insured with a policy or policies providing similar cover then the Insured is entitled to an automatic Extended Reporting Period as per item of the Schedule. ... IV) Spouses, Estates & Representatives Insurer will cover in the event of the death, incapacity or bankruptcy of an Insured, any Claim brought against his or her estate, heirs, executors, administrators or legal representatives; ... V) Good Samaritans Cover The Insurer will indemnify the Insured against civil liability for compensation and claimant’s costs and expenses ... VI) Compensation for court attendance It is hereby understood and agreed that Insurer will indemnify the reasonable and necessary travel and accommodation expenses ... VII) Lost Documents The Insurer will, in the event of loss of or damage to Documents occurring in connection with the Healthcare Services and/or Professional Services. , indemnify the Insured against all costs and expenses ... VIII) Defamation, Libel and Slander It is hereby understood and agreed that the Insurer shall indemnify the Insured for a Claim which the Insured shall become legally obligated to pay as a result of any unintentional act of defamation (civil)","sources":[{"clause":"1(I)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-care-and-medical-professional-liability-irdan115rp0002v01202425-irdan115rp0002v01202425/document/20433#c-1-i"},{"clause":"1(II)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-care-and-medical-professional-liability-irdan115rp0002v01202425-irdan115rp0002v01202425/document/20433#c-1-ii"},{"clause":"2(I)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-care-and-medical-professional-liability-irdan115rp0002v01202425-irdan115rp0002v01202425/document/20433#c-2-i"},{"clause":"2(II)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-care-and-medical-professional-liability-irdan115rp0002v01202425-irdan115rp0002v01202425/document/20433#c-2-ii"},{"clause":"2(III)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-care-and-medical-professional-liability-irdan115rp0002v01202425-irdan115rp0002v01202425/document/20433#c-2-iii"},{"clause":"2(IV)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-care-and-medical-professional-liability-irdan115rp0002v01202425-irdan115rp0002v01202425/document/20433#c-2-iv"},{"clause":"2(V)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-care-and-medical-professional-liability-irdan115rp0002v01202425-irdan115rp0002v01202425/document/20433#c-2-v"},{"clause":"2(VI)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-care-and-medical-professional-liability-irdan115rp0002v01202425-irdan115rp0002v01202425/document/20433#c-2-vi"},{"clause":"2(VII)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-care-and-medical-professional-liability-irdan115rp0002v01202425-irdan115rp0002v01202425/document/20433#c-2-vii"},{"clause":"2(VIII)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-care-and-medical-professional-liability-irdan115rp0002v01202425-irdan115rp0002v01202425/document/20433#c-2-viii"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"not-stated","value":null,"display":null,"note":"The wording points to the schedule for the deductible amount, but the provided schedule template is not filled in.","quote":null,"sources":[],"law":[]},{"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":"The insured can cancel the policy at any time by informing the company. The policy wording says the company shall refund proportionate premium for the unexpired policy period if the term is up to one year and no claim has been made, and refund premium for the unexpired policy period for policies over one year where risk coverage for those policy years has not commenced.","display":"Proportionate refund for unexpired period if term is up to 1 year and no claim; for terms over 1 year, refund unexpired policy years whose risk coverage has not commenced","note":"The CIS adds different refund conditions: claims experience under the policy as on date of cancellation should be less than 60% of reworked premium, and the unexpired period must not be less than 3 months or 25% of the policy period, whichever is less.","quote":"The Insured can cancel the policy at any time during the term, by informing the company. ... i) refund proportion premium for unexpired policy period, if the term of the policy is upto one year and there is no claim(s) made during the policy period.\nii) refund premium for the unexpired policy period, in respect of policy with the term more than one year and the risk coverage for such policy years has not commenced. ... a) claims experience under the policy as on date of cancellation should be less than 60% of reworked premium. ... b) The unexpired period is not less than 3 months or 25% of the policy period, whichever is less.","sources":[{"clause":"8(c)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-care-and-medical-professional-liability-irdan115rp0002v01202425-irdan115rp0002v01202425/document/20433#c-8-c"},{"clause":"9(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-care-and-medical-professional-liability-irdan115rp0002v01202425-irdan115rp0002v01202425/document/20123#c-9-a"},{"clause":"9(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-care-and-medical-professional-liability-irdan115rp0002v01202425-irdan115rp0002v01202425/document/20123#c-9-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":"Worldwide","display":"Worldwide","note":null,"quote":"Item 7 | Territorial Limits | : | Worldwide","sources":[{"clause":null,"heading":"Field of Specialization Registration No Educational Qualification","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-care-and-medical-professional-liability-irdan115rp0002v01202425-irdan115rp0002v01202425/document/20433#c-field-of-specialization-registration-no-educatio"}],"law":[]},{"key":"liability_limit","label":"Limit of indemnity","section":"Cover","meaning":"Most paid per claim and per year.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"retroactive_date","label":"Retroactive date","section":"Cover","meaning":"Claims from events before this date are not covered.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"HEALTH CARE & MEDICAL PROFESSIONAL LIABILITY - IRDAN115RP0002V01202425","pages":27,"fetched_at":"2026-10-20 02:39:55+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/21-wordings-healthcare-and-medical-professional-liability.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-care-and-medical-professional-liability-irdan115rp0002v01202425-irdan115rp0002v01202425/document/20433"},{"kind":"prospectus","label":"HEALTH CARE & MEDICAL PROFESSIONAL LIABILITY - IRDAN115RP0002V01202425","pages":5,"fetched_at":"2026-10-20 02:18:09+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/prospectus-healthcare-and-medical-professional-liability8c0007ff45fd68ff8a0df0055fa38827.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-care-and-medical-professional-liability-irdan115rp0002v01202425-irdan115rp0002v01202425/document/20119"},{"kind":"cis","label":"Healthcare and Medical professional liability Insurance CIS","pages":5,"fetched_at":"2026-10-20 02:18:25+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/4161-healthcare-and-medical-professional-liability-insurance-cis-template.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-care-and-medical-professional-liability-irdan115rp0002v01202425-irdan115rp0002v01202425/document/20123"},{"kind":"proposal","label":"HEALTH CARE & MEDICAL PROFESSIONAL LIABILITY - IRDAN115RP0002V01202425","pages":null,"fetched_at":"2026-10-20 02:21:07+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/proposal-form-healthcare-and-medical-professional-liability8c0007ff45fd68ff8a0df0055fa61ad1.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-care-and-medical-professional-liability-irdan115rp0002v01202425-irdan115rp0002v01202425/document/19673"},{"kind":"claim-form","label":"HEALTH CARE & MEDICAL PROFESSIONAL LIABILITY - IRDAN115RP0002V01202425","pages":null,"fetched_at":"2026-10-20 02:28:39+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/claim-form-healthcare-and-medical-professional-liability-retail.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/health-care-and-medical-professional-liability-irdan115rp0002v01202425-irdan115rp0002v01202425/document/19716"}],"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":"HEALTH CARE & MEDICAL PROFESSIONAL LIABILITY - IRDAN115RP0002V01202425 (UIN IRDAN115RP0002V01202425), IndiaInsurances, https://indiainsurances.com/policy/icici-lombard-general-insurance/health-care-and-medical-professional-liability-irdan115rp0002v01202425-irdan115rp0002v01202425"}