{"uin":"LFFHLGP19096V011819","name":"Group Critical Illness Policy","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/group-critical-illness-policy-lffhlgp19096v011819","insurer":{"slug":"iffco-tokio-general-insurance","name":"IFFCO TOKIO General Insurance Company Limited","url":"https://indiainsurances.com/insurer/iffco-tokio-general-insurance"},"line":"health","category":"critical-illness","category_name":"Critical illness","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"This is a group critical illness health policy that pays the Sum Insured stated in the schedule on diagnosis or occurrence of listed critical illnesses, medical events or surgical procedures after a 30 day initial waiting period and 28 day survival period. The policy lists 25 covered conditions and provides one time benefit in a single policy period.","analysis":{"state":"machine","analysed_at":"2026-10-19 20:54:07.65673+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":"quote-verified","value":["individual","family floater"],"display":"Individual and family floater basis","note":"No named plan names are printed; these are the coverage bases stated.","quote":"The policy is available on individual and family floater basis.","sources":[{"clause":null,"heading":"SPECIFIC CONDITIONS","page":8,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/group-critical-illness-policy-lffhlgp19096v011819/document/8702#c-specific-conditions"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The wording defines the Policy Period by the effective date and expiry date shown in the Schedule, but the document provided does not state a fixed policy term.","quote":null,"sources":[],"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":"A claim must be intimated within 30 days from the date of first diagnosis of the illness, the date of surgical procedure, or the date of occurrence of the medical event, as applicable.","display":"Within 30 days from first diagnosis, surgical procedure or medical event","note":null,"quote":"In the event of a claim arising out of an Insured Event covered under this policy, the same shall be intimated to Us within 30 (Thirty) days from date of first diagnosis of the Illness and date of surgical procedure or date of occurrence of the medical event as the case may be","sources":[{"clause":null,"heading":"CLAIM SETTLEMENT PROCESS","page":16,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/group-critical-illness-policy-lffhlgp19096v011819/document/8702#c-claim-settlement-process"}],"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 forms","Copy of Discharge Certificate/ Card from the hospital/ Medical Practitioner","Certificate from the attending Specialist Medical Practitioner","Copy of investigation test reports and hospital receipts","Letter from treating consultant stating presenting complaints with duration and the past medical history","Bills including relevant stickers for implants","First Information Report/ Final Policy Report, if applicable","Death Certificate/ Post mortem report, if applicable","KYC (know your customer) documents","Identity proof","Age proof","NEFT/Bank Details","List of disease specific documents"],"display":"Claim form; discharge certificate/card; specialist certificate; investigation reports and receipts; treating consultant letter; bills; FIR/final police report if applicable; death certificate/post mortem if applicable; KYC, identity and age proof; NEFT/bank details; disease-specific documents","note":"The wording also gives disease-specific document lists for each covered critical illness or procedure.","quote":"1. Duly completed claim forms;\n2. Copy of Discharge Certificate/ Card from the hospital/ Medical Practitioner;\n3. Certificate from the attending Specialist Medical Practitioner of the Insured Person evidencing diagnosis of Illness or Injury or occurrence of the medical event or the undergoing of the medical / surgical procedure in relation to the claim of the particular insured person, inter alia, ... 4. Copy of investigation test reports and hospital receipts;\n5. Letter from treating consultant stating presenting complaints with duration and the past medical history.\n6. Bills including relevant stickers for implants\n7. First Information Report/ Final Policy Report, if applicable\n8. Death Certificate/ Post mortem report, if applicable\n9. KYC (know your customer) documents\n10. Identity proof\n11. Age proof\n12. NEFT/Bank Details\n13. List of disease specific documents to be submitted are as below -","sources":[{"clause":null,"heading":"CLAIM SETTLEMENT PROCESS","page":16,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/group-critical-illness-policy-lffhlgp19096v011819/document/8702#c-claim-settlement-process"},{"clause":"35(III)(c)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/group-critical-illness-policy-lffhlgp19096v011819/document/8702#c-35-iii-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":"If the claim is admissible, the insurer will make an offer of settlement or reject the claim within 30 days of receipt of all relevant documents and investigation/assessment report, if required. If admitted, the proceeds are paid within 7 days of acceptance of the offer; delay attracts interest at 2% above the bank rate.","display":"Offer or rejection within 30 days of all relevant documents and investigation/assessment report; payment within 7 days of acceptance","note":null,"quote":"In the event of a claim, if the same is found admissible under the policy, We shall make an offer of settlement or convey the rejection of the claim within 30 (thirty) days of receipt of all relevant documents and investigation/ assessment report (if required). In case the claim is admitted, the claim proceeds shall be paid within 7(seven) days of Your/ Insured person’s acceptance of Our offer. In case of delay in payment, We shall be liable to pay interest at a rate which is 2% (two percent) above the bank rate prevalent at the beginning of financial year in which the claim is received by us.","sources":[{"clause":"35(III)(c)(ii)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/group-critical-illness-policy-lffhlgp19096v011819/document/8702#c-35-iii-c-ii"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"You may first register a grievance on the insurer website, contact the office from where the policy was bought, or contact the grievance officer at the corporate office by email at chiefgrievanceofficer@iffcotokio.co.in before approaching the Insurance Ombudsman.","display":"Website www.iffcotokio.co.in, the issuing office, or the grievance officer at corporate office; email chiefgrievanceofficer@iffcotokio.co.in","note":null,"quote":"You may register a grievance or complaint by visiting Our website www.iffcotokio.co.in You may also contact the offices from where You have bought the policy or the grievance officer who can be reached at Our corporate office. Grievance Department details are as mentioned below:\nE-Mail ID: | chiefgrievanceofficer@iffcotokio.co.in\nAddress: | IFFCO-Tokio General Insurance Company Limited.\nIFFCO TOWER – II Plot No.3, Sector-29, Gurgaon Haryana-122001","sources":[{"clause":"35(III)(b)","heading":null,"page":28,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/group-critical-illness-policy-lffhlgp19096v011819/document/8702#c-35-iii-b-5"}],"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 wording says the Sum Insured is mentioned in the schedule, but does not state selectable cover amount options.","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":"provided that 1. the critical illness, medical event and surgical procedure first commenced atleast 30 days after the commencement of the policy period (or first policy period in case of renewal without break)","sources":[{"clause":null,"heading":"SECTION CRITICAL ILLNESS","page":6,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/group-critical-illness-policy-lffhlgp19096v011819/document/8702#c-section-critical-illness"}],"law":[]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"not-applicable","value":null,"display":null,"note":"This is a critical-illness lump-sum policy and does not have a health-indemnity list of specific illness/procedure waiting periods such as cataract, hernia or joint replacement.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"not-applicable","value":null,"display":null,"note":"This is a critical-illness lump-sum policy and does not have a separate specific illness waiting-period list.","quote":null,"sources":[],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"not-stated","value":null,"display":null,"note":"The wording provided does not print a moratorium period.","quote":null,"sources":[],"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":"Individual members and covered family members have the right to migrate from this group critical illness policy to a suitable individual critical illness or family floater policy offered by the insurer, if they apply to port the entire policy at least 45 days before the renewal date. The definition of portability says it transfers credit for pre-existing conditions and time-bound exclusions from one insurer to another or from one plan to another plan of the same insurer.","display":"Right to migrate to suitable individual critical illness or family floater policy offered by the insurer; apply at least 45 days before renewal","note":null,"quote":"Portability - It means the right accorded to an individual health insurance policyholder (including family cover), to transfer the credit gained for pre-existing conditions and time bound exclusions, from one insurer to another or from one plan to another plan of the same insurer. ... Individual members including the family members covered under this group critical illness insurance policy shall have the right to migrate from such group policy to a suitable individual critical illness insurance policy or a family floater policy offered by Us provided that member shall apply to port the entire policy along with all the members of the family, if any, at least 45 days before the premium renewal date of his/ her existing group critical illness policy.","sources":[{"clause":"22","heading":"Portability - It","page":5,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/group-critical-illness-policy-lffhlgp19096v011819/document/8702#c-22"},{"clause":"35(III)(c)(ii)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/group-critical-illness-policy-lffhlgp19096v011819/document/8702#c-35-iii-c-ii"}],"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, renewable for lifelong by mutual consent","note":"Subject to payment in advance, renewal within the grace period, and the stated exceptions.","quote":"This Policy shall ordinarily be renewable for lifelong only by mutual consent except for grounds such as mis-representation, fraud, moral hazard or non co-operation by the Insured","sources":[{"clause":null,"heading":"GENERAL CONDITIONS","page":23,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/group-critical-illness-policy-lffhlgp19096v011819/document/8702#c-general-conditions"}],"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":"not-stated","value":null,"display":null,"note":"The wording does not state whether premium can be loaded at renewal because a claim was made.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"You may cancel the policy by giving 15 days written notice. The insurer retains premium as per the short-period table: up to 1 month 75% refund, up to 3 months 50%, up to 6 months 25%, and exceeding six months Nil, subject to no claim having been preferred.","display":"15 days written notice; refund 75% up to 1 month, 50% up to 3 months, 25% up to 6 months, Nil after six months, if no claim","note":null,"quote":"You may cancel this Policy by sending 15 (fifteen) days written notice to Us. We will then allow a refund after retaining the premium based on short period table as defined below.\nPeriod of cover up to | Refund of annual premium rate(%)\n1(one) month | 75%(seventy five percent)\n3(three) months | 50%(fifty percent)\n6(six) months | 25%(twenty five percent)\nExceeding six months | Nil\nThis refund of premium is subject to the condition that no claim has been preferred on Us.","sources":[{"clause":null,"heading":"GENERAL CONDITIONS","page":23,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/group-critical-illness-policy-lffhlgp19096v011819/document/8702#c-general-conditions"}],"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":"not-stated","value":null,"display":null,"note":"The wording says claims are settled in India in Indian Rupees and Indian law/courts apply, but it does not state the geographic area of cover.","quote":null,"sources":[],"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":15},"display":"15 days","note":"Applicable at inception of the policy.","quote":"The insured will be allowed a period of at least 15 days from the date of receipt of the policy to review the terms and conditions of the policy and to return the same if not acceptable.","sources":[{"clause":null,"heading":"GENERAL CONDITIONS","page":23,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/group-critical-illness-policy-lffhlgp19096v011819/document/8702#c-general-conditions"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":null,"quote":"subject to the Policy is renewed within the Grace period of 30 days from date of Expiry.","sources":[{"clause":null,"heading":"GENERAL CONDITIONS","page":23,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/group-critical-illness-policy-lffhlgp19096v011819/document/8702#c-general-conditions"}],"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":"not-stated","value":null,"display":null,"note":"The wording provided does not state the youngest and oldest entry ages.","quote":null,"sources":[],"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 states premium is paid in advance before commencement of risk, but does not state payment modes such as yearly, half-yearly, quarterly or monthly.","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":"not-stated","value":null,"display":null,"note":"The wording provided does not list optional covers for extra premium.","quote":null,"sources":[],"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 for the period for which no premium is received.","display":"Coverage is not available for the period for which no premium is received","note":null,"quote":"Coverage is not available for the period for which no premium is received.","sources":[{"clause":"11","heading":"Grace Period - Grace period","page":3,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/group-critical-illness-policy-lffhlgp19096v011819/document/8702#c-11"}],"law":[]},{"key":"illness_count","label":"Number of illnesses covered","section":"Cover","meaning":"How many critical illnesses are listed. The definitions matter more than the count.","status":"quote-verified","value":25,"display":"25 critical illnesses, medical events and surgical procedures","note":"Counted from the covered illness/procedure/medical event list.","quote":"i) Cancer of specified severity | 5. Any critical Illness which arises or is\nii) Kidney failure requiring regular dialysis | caused by any one of the following:\niii) Multiple Sclerosis with persisting | a) The ingestion of drugs other than\nsymptoms | those prescribed by Registered\niv) Benign Brain Tumor | Medical practitioner.\nv) Motor Neuron Disease with Permanent | b) Elective, Cosmetic or plastic surgery\nSymptoms | c) Pregnancy, childbirth and their\nvi) End Stage Lung Failure | consequences), any infertility or sub\nvii) End Stage Liver Failure | fertility or assisted conception\nviii) Primary | (Idiopathic) | Pulmonary | treatment\nHypertension | d) Birth control procedures and /or\nix) Parkinson’s Disease Before The Age Of | Hormone replacement therapy.\n50 Years\nx) Alzheimer's Disease Before The Age Of 50 Years\nB. The following surgical procedures: ... i) Major Organ (Hearth/ Lung/ Liver/ Kidney /Pancreas) or Human Bone Marrow Transplant; ... ii) Open heart replacement or repair of heart valves ... iii) Open chest CABG ... iv) Surgery Of Aorta\nC. The following medical events:\ni) Stroke resulting in permanent symptoms\nii) Permanent Paralysis of Limbs\niii) Myocardial Infarction (First Heart Attack of specified severity)\niv) Third Degree Burns ... v) Loss of Speech ... vi) Blindness ... vii) Loss of Limbs ... viii) Deafness ... ix) Coma of Specified Severity ... x) Major Head Trauma ... xi) Muscular Dystrophy ... 25. Surgery Of Aorta","sources":[{"clause":null,"heading":"SECTION CRITICAL ILLNESS","page":6,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/group-critical-illness-policy-lffhlgp19096v011819/document/8702#c-section-critical-illness"},{"clause":"35(i)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/group-critical-illness-policy-lffhlgp19096v011819/document/8702#c-35-i"},{"clause":"35(ii)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/group-critical-illness-policy-lffhlgp19096v011819/document/8702#c-35-ii"},{"clause":"35(iii)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/group-critical-illness-policy-lffhlgp19096v011819/document/8702#c-35-iii"},{"clause":"35(iv)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/group-critical-illness-policy-lffhlgp19096v011819/document/8702#c-35-iv"},{"clause":"35(v)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/group-critical-illness-policy-lffhlgp19096v011819/document/8702#c-35-v"},{"clause":"35(vi)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/group-critical-illness-policy-lffhlgp19096v011819/document/8702#c-35-vi"},{"clause":"35(vii)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/group-critical-illness-policy-lffhlgp19096v011819/document/8702#c-35-vii"},{"clause":"35(viii)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/group-critical-illness-policy-lffhlgp19096v011819/document/8702#c-35-viii"},{"clause":"35(ix)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/group-critical-illness-policy-lffhlgp19096v011819/document/8702#c-35-ix"},{"clause":"35(x)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/group-critical-illness-policy-lffhlgp19096v011819/document/8702#c-35-x"},{"clause":"35(xi)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/group-critical-illness-policy-lffhlgp19096v011819/document/8702#c-35-xi"},{"clause":"35(vi)","heading":"Feeding","page":14,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/group-critical-illness-policy-lffhlgp19096v011819/document/8702#c-35-vi-3"}],"law":[]},{"key":"illness_list","label":"Illnesses covered","section":"Cover","meaning":"The listed illnesses. Standard definitions are set by IRDAI.","status":"quote-verified","value":["Cancer of specified severity","Kidney failure requiring regular dialysis","Multiple Sclerosis with persisting symptoms","Benign Brain Tumor","Motor Neuron Disease with Permanent Symptoms","End Stage Lung Failure","End Stage Liver Failure","Primary (Idiopathic) Pulmonary Hypertension","Parkinson’s Disease Before The Age Of 50 Years","Alzheimer's Disease Before The Age Of 50 Years","Major Organ (Hearth/ Lung/ Liver/ Kidney /Pancreas) or Human Bone Marrow Transplant","Open heart replacement or repair of heart valves","Open chest CABG","Surgery Of Aorta","Stroke resulting in permanent symptoms","Permanent Paralysis of Limbs","Myocardial Infarction (First Heart Attack of specified severity)","Third Degree Burns","Loss of Speech","Blindness","Loss of Limbs","Deafness","Coma of Specified Severity","Major Head Trauma","Muscular Dystrophy"],"display":"Cancer of specified severity; kidney failure requiring regular dialysis; multiple sclerosis; benign brain tumor; motor neuron disease; end stage lung failure; end stage liver failure; primary pulmonary hypertension; Parkinson’s before age 50; Alzheimer’s before age 50; major organ/bone marrow transplant; valve surgery; CABG; surgery of aorta; stroke; paralysis; myocardial infarction; third degree burns; loss of speech; blindness; loss of limbs; deafness; coma; major head trauma; muscular dystrophy","note":null,"quote":"i) Cancer of specified severity | 5. Any critical Illness which arises or is\nii) Kidney failure requiring regular dialysis | caused by any one of the following:\niii) Multiple Sclerosis with persisting | a) The ingestion of drugs other than\nsymptoms | those prescribed by Registered\niv) Benign Brain Tumor | Medical practitioner.\nv) Motor Neuron Disease with Permanent | b) Elective, Cosmetic or plastic surgery\nSymptoms | c) Pregnancy, childbirth and their\nvi) End Stage Lung Failure | consequences), any infertility or sub\nvii) End Stage Liver Failure | fertility or assisted conception\nviii) Primary | (Idiopathic) | Pulmonary | treatment\nHypertension | d) Birth control procedures and /or\nix) Parkinson’s Disease Before The Age Of | Hormone replacement therapy.\n50 Years\nx) Alzheimer's Disease Before The Age Of 50 Years\nB. The following surgical procedures: ... i) Major Organ (Hearth/ Lung/ Liver/ Kidney /Pancreas) or Human Bone Marrow Transplant; ... ii) Open heart replacement or repair of heart valves ... iii) Open chest CABG ... iv) Surgery Of Aorta\nC. The following medical events:\ni) Stroke resulting in permanent symptoms\nii) Permanent Paralysis of Limbs\niii) Myocardial Infarction (First Heart Attack of specified severity)\niv) Third Degree Burns ... v) Loss of Speech ... vi) Blindness ... vii) Loss of Limbs ... viii) Deafness ... ix) Coma of Specified Severity ... x) Major Head Trauma ... xi) Muscular Dystrophy","sources":[{"clause":null,"heading":"SECTION CRITICAL ILLNESS","page":6,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/group-critical-illness-policy-lffhlgp19096v011819/document/8702#c-section-critical-illness"},{"clause":"35(i)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/group-critical-illness-policy-lffhlgp19096v011819/document/8702#c-35-i"},{"clause":"35(ii)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/group-critical-illness-policy-lffhlgp19096v011819/document/8702#c-35-ii"},{"clause":"35(iii)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/group-critical-illness-policy-lffhlgp19096v011819/document/8702#c-35-iii"},{"clause":"35(iv)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/group-critical-illness-policy-lffhlgp19096v011819/document/8702#c-35-iv"},{"clause":"35(v)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/group-critical-illness-policy-lffhlgp19096v011819/document/8702#c-35-v"},{"clause":"35(vi)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/group-critical-illness-policy-lffhlgp19096v011819/document/8702#c-35-vi"},{"clause":"35(vii)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/group-critical-illness-policy-lffhlgp19096v011819/document/8702#c-35-vii"},{"clause":"35(viii)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/group-critical-illness-policy-lffhlgp19096v011819/document/8702#c-35-viii"},{"clause":"35(ix)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/group-critical-illness-policy-lffhlgp19096v011819/document/8702#c-35-ix"},{"clause":"35(x)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/group-critical-illness-policy-lffhlgp19096v011819/document/8702#c-35-x"},{"clause":"35(xi)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/group-critical-illness-policy-lffhlgp19096v011819/document/8702#c-35-xi"}],"law":[]},{"key":"payout","label":"Payout","section":"Cover","meaning":"Lump sum on diagnosis, staged payouts by severity, or reimbursement.","status":"quote-verified","value":"The policy pays the Sum Insured as mentioned in the schedule when the insured person is diagnosed with a covered critical illness, medical event or undergoes a covered surgical procedure, subject to the policy conditions. It is a one time benefit for the defined critical illnesses in a single policy period.","display":"Pays the Sum Insured as mentioned in the schedule; one time benefit in a single policy period","note":null,"quote":"We will pay the Sum Insured as mentioned in the schedule, in the event of You/Insured person being diagnosed with the following critical illnesses, medical events or undergoing surgical procedures as specifically defined below, during the policy period ... The policy will provide one time benefit for the critical illnesses defined above under ‘What is Covered’ in a single policy period.","sources":[{"clause":null,"heading":"SECTION CRITICAL ILLNESS","page":6,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/group-critical-illness-policy-lffhlgp19096v011819/document/8702#c-section-critical-illness"},{"clause":null,"heading":"SPECIFIC CONDITIONS","page":8,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/group-critical-illness-policy-lffhlgp19096v011819/document/8702#c-specific-conditions"}],"law":[]},{"key":"survival_period","label":"Survival period","section":"Waiting periods","meaning":"Days you must survive after diagnosis before the money is paid.","status":"quote-verified","value":{"unit":"days","amount":28},"display":"28 days","note":null,"quote":"You/Insured person survives for a minimum of 28 days from the date of diagnosis","sources":[{"clause":null,"heading":"SECTION CRITICAL ILLNESS","page":6,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/group-critical-illness-policy-lffhlgp19096v011819/document/8702#c-section-critical-illness"}],"law":[]},{"key":"multiple_claims","label":"Multiple claims","section":"Cover","meaning":"Whether you can claim for more than one illness.","status":"quote-verified","value":"The policy provides one time benefit for the critical illnesses in a single policy period. For family floater policies, coverage for the entire family terminates for the remaining policy period once a claim for any family member has been paid, but on next renewal the member who claimed is covered for other diseases except the one already claimed.","display":"One time benefit in a single policy period; family floater cover terminates for the family after a paid claim for the rest of that policy period","note":null,"quote":"The policy will provide one time benefit for the critical illnesses defined above under ‘What is Covered’ in a single policy period. ... For policies on family floater basis, the coverage for the entire family terminates for the remaining policy period once a claim for any family member has been paid. Such a family shall receive coverage in the next renewal of this group policy. In such a case, the family member who has already claimed for a certain specific illness stated above shall have a renewed cover for all other diseases except for the one claimed for already.","sources":[{"clause":null,"heading":"SPECIFIC CONDITIONS","page":8,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/group-critical-illness-policy-lffhlgp19096v011819/document/8702#c-specific-conditions"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing conditions","section":"Waiting periods","meaning":"Whether an illness you already had can ever be claimed: after a waiting period, or never.","status":"quote-verified","value":"Pre-existing conditions are never covered under this policy; the wording says the insurer will not pay any claim arising out of a pre-existing condition.","display":"Never covered: any claim arising out of a pre-existing condition","note":null,"quote":"We will not pay for: 1. Any claim arising out of a pre-existing condition.","sources":[{"clause":null,"heading":"SECTION CRITICAL ILLNESS","page":6,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/group-critical-illness-policy-lffhlgp19096v011819/document/8702#c-section-critical-illness"}],"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"}]}],"documents":[{"kind":"wording","label":"Group Critical Illness Policy","pages":32,"fetched_at":"2026-10-17 19:47:10+00","source_url":"https://www.iffcotokio.co.in/content/dam/iffcotokio/iffco-pdf/sites/default/files/pdf/Group%20Critical%20Illness%20Policy%20Wordings.pdf","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/group-critical-illness-policy-lffhlgp19096v011819/document/8702"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"IFFCO TOKIO General Insurance official website","url":"https://www.iffcotokio.co.in/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claims","url":"https://www.iffcotokio.co.in/claims","note":null},{"purpose":"claim","kind":"insurer","name":"Register a claim","url":"https://www.iffcotokio.co.in/claims/register-a-claim","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://www.iffcotokio.co.in/contact-us/customer-services/grievance-redressal","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"renew","kind":"insurer","name":"Renew policy","url":"https://www.iffcotokio.co.in/renew-policy","note":null}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Group Critical Illness Policy (UIN LFFHLGP19096V011819), IndiaInsurances, https://indiainsurances.com/policy/iffco-tokio-general-insurance/group-critical-illness-policy-lffhlgp19096v011819"}