{"uin":"LIBHLGP23119V022223","name":"Liberty Complete Protect Group","url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223","insurer":{"slug":"liberty-general-insurance","name":"Liberty General Insurance Limited","url":"https://indiainsurances.com/insurer/liberty-general-insurance"},"line":"health","category":"group-health","category_name":"Group health","irdai_type":"Group","kind":"product","status":"active","approved_on":"2020-08-31","withdrawn_on":null,"summary":"Liberty Complete Protect Group is a group health policy with selectable daily hospital cash, personal accident, critical illness, vector-borne disease, EMI protector and loan protector benefit sections. It has a 30 days renewal grace period, 36 months pre-existing disease waiting period and no loading on renewals based on individual claims experience.","analysis":{"state":"machine","analysed_at":"2026-10-19 22:05:34.699406+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":["Plan A - Dengue Fever","Plan B - Malaria","Plan C - Other Vector Borne Diseases"],"display":"Plan A - Dengue Fever; Plan B - Malaria; Plan C - Other Vector Borne Diseases","note":"These named plans are printed under Section IV Vector Borne Diseases Benefit.","quote":"I) Plan A - Dengue Fever\nii) Plan B - Malaria\niii) Plan C - Other Vector Borne Diseases:","sources":[{"clause":"Section IV","heading":"Vector Borne Diseases Benefit","page":15,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-section-iv"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"The wording shows cancellation scales for 1 Year Policy, 2 Year Policy, 3 Year Policy, 4 Year Policy and 5 Year Policy.","display":"1 Year Policy, 2 Year Policy, 3 Year Policy, 4 Year Policy or 5 Year Policy","note":null,"quote":"Cancellation pe | riod 1 Year Policy | 2 Year Policy | 3 Year Policy | 4 Year Policy | 5 Year Policy","sources":[{"clause":"6","heading":"Cancellation","page":20,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-6-6"}],"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 claim must be given within 15 days after an actual or potential loss begins or as soon as reasonably possible, and in any event not later than 30 days. For Hospital Cash Benefit or Vector Borne Diseases, claims must be intimated within 2 days of hospitalization or diagnosis, unless the schedule specifies otherwise.","display":"Within 15 days, not later than 30 days; Hospital Cash / Vector Borne Diseases within 2 days","note":"The Company may condone delay on merits if satisfied the delay was due to reasons beyond the claimant's control.","quote":"written notice of claim must be given by the Insured Person/Nominee/Legal Heir, as applicable, to the Company within 15 days after an actual or potential loss begins or as soon as is reasonably possible and, in any event, not later than 30 days after an actual or potential loss begins.\nClaim Intimation for Hospital Cash Benefit / Vector Borne Diseases. You shall intimate the Claims to us within 2 days hospitalization or diagnosis of Vector Borne Diseases as the case may be or as specified in the policy schedule","sources":[{"clause":null,"heading":"Conditions when a Claim arises 9. Notification of Claim","page":22,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-conditions-when-a-claim-arises-9-notification-of"}],"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 Filled and signed claim form","Copy of discharge summary/ Final bill/ investigation reports","Photo ID proof","Address proof","NEFT mandate form","Indoor case papers from hospital","FIR / MLC from police authorities","Driving License","Death Certificate issued by competent Authorities","Post Mortem Report if conducted","Indemnity Bond / Succession Certificate/ Legal Heir Certificate","Investigation reports, Histological report or Scan/ X Ray Plates, etc.","Medical certificate from the certified Physician confirming the diagnosis of Indicated critical illness","Certificate if applicable from the Bank stating the amortization schedule, the EMI Amounts, Principal Outstanding, etc.","Any other document as may be required by the Company"],"display":"Claim form, discharge/final bill/investigation reports, ID/address proof, NEFT mandate, indoor case papers and section-specific documents such as FIR/MLC, driving licence, death/disability/critical illness or bank documents","note":"The required documents vary by the benefit section and claim type.","quote":"Duly Filled and signed claim form; ... Copy of discharge summary/ Final bill/ investigation reports. ... Photo ID proof of the insured member whose name the payment is to be done. ... Address proof of the insured member whose name the payment is to be done. ... NEFT mandate form filled by deceased / Insured Person in whose name the payment is to be done ... Indoor case papers from hospital. ... FIR / MLC from police authorities. ... Driving License of the Insured Person in case death or injury because of Road Traffic accident and the Insured Person was driving the vehicle involved. ... Death Certificate issued by competent Authorities. ... Post Mortem Report if conducted (Viscera report may asked in case chemical analysis preserved) ... Indemnity Bond / Succession Certificate/ Legal Heir Certificate. ... Investigation reports, Histological report or Scan/ X Ray Plates, etc. as applicable confirming diagnosis of the indicated Critical Illness ... Medical certificate from the certified Physician confirming the diagnosis of Indicated critical illness ... Certificate if applicable from the Bank stating the amortization schedule, the EMI Amounts, Principal Outstanding, etc. ... Any other document as may be required by the Company.","sources":[{"clause":"1","heading":null,"page":23,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-1-8"},{"clause":"2","heading":null,"page":23,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-2-8"},{"clause":"3","heading":null,"page":23,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-3-8"},{"clause":"4","heading":null,"page":23,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-4-7"},{"clause":"5","heading":null,"page":23,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-5-6"},{"clause":"6","heading":null,"page":23,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-6-7"},{"clause":"2","heading":null,"page":23,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-2-9"},{"clause":"3","heading":null,"page":23,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-3-9"},{"clause":"4","heading":null,"page":23,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-4-8"},{"clause":"6","heading":null,"page":23,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-6-8"},{"clause":"9","heading":null,"page":23,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-9-5"},{"clause":"2","heading":null,"page":24,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-2-10"},{"clause":"4","heading":null,"page":24,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-4-9"},{"clause":"2","heading":null,"page":24,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-2-12"},{"clause":"4","heading":null,"page":24,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-4-11"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The Company shall settle or reject a claim within 30 days from the date of receipt of the last necessary document. If investigation is required, it must be completed not later than 30 days from the last necessary document and the claim settled within 45 days from the last necessary document.","display":"30 days from last necessary document; 45 days from last necessary document if investigated","note":"Delay interest is stated separately at 2% above the bank rate.","quote":"The Company shall settle or reject a claim, as the case may be, within 30 days from the date of receipt of last necessary document. ... where the circumstances of a claim warrant an investigation in the opinion of the Company, it shall initiate and complete such investigation at the earliest in any case not later than 30 days from the date of receipt of last necessary document. In such cases, the Company shall settle the claim within 45 days from the date of receipt of last necessary document.","sources":[{"clause":"11(b)(i)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-11-b-i"},{"clause":"11(b)(iii)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-11-b-iii"}],"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":["Expenses related to the treatment of any illness within 30 days from the first policy commencement date","Expenses related to the treatment of Critical illness(s) within 90 days from the first policy commencement date","Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 12 /24 /48 months","Expenses related to the treatment of a pre-existing disease (PED) and its direct complications shall be excluded until the expiry of 36 months","Maternity: Code Excl18","Any OPD treatment","Treatment received outside India","Rest Cure, rehabilitation and respite care: Code- Excl05","Obesity /Weight Control: Code-Excl06","Change of Gender Treatments: Code-Excl07","Cosmetic or Plastic Surgery: Code-Excl08","Hazardous and Adventure Sports: Code-Excl09","Breach of Law: Code-Excl10","Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. Code-Excl12","Unproven Treatments: Code-Excl16"],"display":"30 days illness, 90 days critical illness, specified disease/procedure 12/24/48 months, PED 36 months, maternity, OPD, outside India and major standard exclusions","note":"Waiting periods and exclusions vary by benefit section.","quote":"Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered. ... Expenses related to the treatment of Critical illness(s) within 90 days from the first policy commencement date shall be excluded except claims arising due to accidental bodily Injury requiring hospitalization, provided the same are covered ... Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 12 /24 /48 months of continuous coverage after the date of inception of the first policy with us. ... Expenses related to the treatment of a pre-existing disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first policy with insurer. ... Maternity: Code Excl18 ... Any OPD treatment\n4. Treatment received outside India ... Rest Cure, rehabilitation and respite care: Code- Excl05 ... Obesity /Weight Control: Code-Excl06 ... Change of Gender Treatments: Code-Excl07 ... Cosmetic or Plastic Surgery: Code-Excl08 ... Hazardous and Adventure Sports: Code-Excl09 ... Breach of Law: Code-Excl10 ... Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. Code-Excl12 ... Unproven Treatments: Code-Excl16","sources":[{"clause":"6(a)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-6-a"},{"clause":"6(c)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-6-c"},{"clause":"6(a)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-6-a-2"},{"clause":"6(I)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-6-i"},{"clause":"Excl18","heading":"Maternity: Code Excl18","page":7,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-excl18"},{"clause":"Excl18(ii)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-excl18-ii"},{"clause":"1","heading":"Rest Cure, rehabilitation and respite care: Code- Excl05","page":18,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-1-6"},{"clause":"2","heading":"Obesity /Weight Control: Code-Excl06","page":18,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-2-6"},{"clause":"3","heading":"Change of Gender Treatments: Code-Excl07","page":18,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-3-6"},{"clause":"4","heading":"Cosmetic or Plastic Surgery: Code-Excl08","page":18,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-4-5"},{"clause":"5","heading":"Hazardous and Adventure Sports: Code-Excl09","page":18,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-5-5"},{"clause":"6","heading":"Breach of Law: Code-Excl10","page":18,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-6-5"},{"clause":"7","heading":"Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof.","page":18,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-7-5"},{"clause":"9","heading":"Unproven Treatments: Code-Excl16","page":18,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-9-3"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"For a grievance relating to servicing the Policy, the insured may contact the Company through its website, toll free number, email, courier address or branch grievance cell. If not satisfied, the insured may contact the grievance officer at gro@libertyinsurance.in before approaching IRDAI IGMS or the Insurance Ombudsman.","display":"Company website/toll free/email/courier or branch grievance cell, then grievance officer at gro@libertyinsurance.in","note":null,"quote":"Grievance-In case of any grievance relating to servicing the Policy, the Insured Person may contact the Company through Website: www.libertyinsurance.in Toll free:1800166584 Email: care@libertyinsurance.in Courier: 10th floor, Tower A, Peninsula Business Park, Lower Parel, Mumbai- 400013\nInsured person may also approach the grievance cell at any of the company's branches with the details of grievance.\nIf Insured person is not satisfied with the redressal of grievance through one of the above methods, insured person may contact the grievance officer at gro@libertyinsurance.in","sources":[{"clause":"Part V","heading":"Grievance Redressal Procedure","page":24,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-part-v"}],"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 points to the Schedule/Table of Benefits for the Sum Insured but does not print selectable cover amounts.","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":"Critical Illness Benefit has a 90 days waiting period.","quote":"Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered. ... A waiting period of 90 days from the commencement date of the first Policy will apply to Critical Illness (es) contracted other than accidental bodily Injury requiring Hospitalization","sources":[{"clause":"6(a)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-6-a"},{"clause":null,"heading":"Waiting Period under Section III - Critical Illness Benefit","page":15,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-waiting-period-under-section-iii-critical-illnes"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"quote-verified","value":{"unit":"months","amount":36},"display":"36 months","note":"The Waiting Period Waiver optional cover can waive the Pre-Existing Disease Waiting Period.","quote":"Expenses related to the treatment of a pre-existing disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first policy with insurer. ... Pre-Existing Disease Waiting Period","sources":[{"clause":"6(I)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-6-i"},{"clause":"6","heading":"Waiting Period Waiver","page":6,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-6-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"quote-verified","value":{"unit":"months","amount":12},"display":"12 /24 /48 months","note":"For Section I, listed conditions have 12 months, 24 months and 48 months waiting periods; Critical Illness Benefit lists 24 months and 48 months waiting periods for specified mental health conditions.","quote":"Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 12 /24 /48 months of continuous coverage after the date of inception of the first policy with us. ... I) First Year (12 months) Waiting Period: ... ii) Two Year (24 months) Waiting Period: ... iii) Four Year (48 months) Waiting Period:","sources":[{"clause":"6(a)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-6-a-2"},{"clause":"6(I)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-6-i"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"quote-verified","value":["Cataract","Benign Prostatic Hypertrophy","Hernia","Hydrocele","Fistula in anus","piles","Sinusitis and related disorders","Fissure","Gastric and Duodenal ulcers","gout and rheumatism","internal tumors, cysts, nodules, polyps including breast lumps (each of any kind unless malignant)","Hysterectomy/ myomectomy for menorrhagia or fibromyoma or prolapse of uterus","polycystic ovarian diseases","skin tumors unless malignant","benign ear, nose and throat (ENT) disorders and surgeries","dilatation and curettage (D&C)","Congenital Internal Diseases","Calculus diseases of Gall bladder and Urogenital system","Hypertension and Diabetes and related complications","Joint Replacement due to Degenerative condition","Surgery for prolapsed inter vertebral disc unless arising from accident","Age related Osteoarthritis and Osteoporosis","Spondylosis / Spondylitis","Surgery of varicose veins and varicose ulcers","Bipolar (F31)","Delirium (F05)","Dementia (F00-F03)","Depression (F30,F32,F33)","Hyperkinetic (F90)","Mental retardation (F70-79)","Schizophrenia (F20-29)"],"display":"Cataract, hernia, piles, ENT disorders/surgeries, gall bladder/urogenital calculus, hypertension/diabetes complications, joint replacement, prolapsed inter vertebral disc surgery, osteoarthritis/osteoporosis, spondylosis/spondylitis, varicose veins/ulcers and listed mental health conditions","note":"The 24 months list also includes detailed diabetes, hypertension and mental health complications printed in the same clause.","quote":"During the first Year of operation of this insurance cover, expenses on treatment of the following diseases are not payable: Cataract, Benign Prostatic Hypertrophy, Hernia, Hydrocele, Fistula in anus, piles, Sinusitis and related disorders, Fissure, Gastric and Duodenal ulcers, gout and rheumatism; internal tumors, cysts, nodules, polyps including breast lumps (each of any kind unless malignant); Hysterectomy/ myomectomy for menorrhagia or fibromyoma or prolapse of uterus, polycystic ovarian diseases; skin tumors unless malignant, benign ear, nose and throat (ENT) disorders and surgeries (including but not limited to adenoidectomy, mastoidectomy, tonsillectomy and tympanoplasty); dilatation and curettage (D&C); & Congenital Internal Diseases.\nii) Two Year (24 months) Waiting Period:\nDuring the first two Years of the operation of this insurance cover, the expenses on treatment of following diseases are not payable: Calculus diseases of Gall bladder and Urogenital system, Hypertension and Diabetes and related complications, Joint Replacement due to Degenerative condition, Surgery for prolapsed inter vertebral disc unless arising from accident, Age related Osteoarthritis and Osteoporosis, Spondylosis / Spondylitis, Surgery of varicose veins and varicose ulcers. ... iii) Four Year (48 months) Waiting Period:\nTreatment of Bipolar (F31), Delirium (F05), Dementia (F00-F03), Depression (F30,F32,F33), Hyperkinetic (F90), Mental retardation (F70-79), Schizophrenia (F20-29), including its complications will be covered post 48 continuous months of this Policy with us.","sources":[{"clause":"6(I)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-6-i"}],"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":null,"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":"The insured person can port the policy to other insurers by applying to the other insurer at least 45 days before but not earlier than 60 days from the renewal date, as per IRDAI portability guidelines. Waiting periods are reduced by the number of continuous preceding years of coverage under the previous health insurance policy.","display":"Yes, to other insurers with waiting-period credit","note":null,"quote":"The Insured Person will have the option to port the Policy to other insurers by applying to such other insurer by applying to such other insurer to port the entire policy along with al the members of the family, if any atleast 45 days before but not earlier that 60 days from the policy renewal date as per IRDAI Guidelines related to portability. ... The waiting periods as specified above for applicable sections shall be reduced by the number of continuous preceding years of coverage of the Insured Person under the previous health insurance Policy.","sources":[{"clause":"8","heading":"Portability","page":21,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-8-5"},{"clause":"8(i)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-8-i"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"not-stated","value":null,"display":null,"note":"The wording says the policy is ordinarily renewable, but does not state lifelong renewal or no maximum renewal age.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"quote-verified","value":"No loading applies on renewals based on individual claims experience.","display":"No loading on renewals based on individual claims experience","note":null,"quote":"No loading shall apply on renewals based on individual claims experience","sources":[{"clause":"10","heading":"Renewal of Policy","page":21,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-10-4"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"quote-verified","value":["Rest Cure, rehabilitation and respite care: Code- Excl05","Obesity /Weight Control: Code-Excl06","Change of Gender Treatments: Code-Excl07","Cosmetic or Plastic Surgery: Code-Excl08","Hazardous and Adventure Sports: Code-Excl09","Breach of Law: Code-Excl10","Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. Code-Excl12","Code-Excl13","Unproven Treatments: Code-Excl16","Sterility and Infertility: Code-Excl17","Maternity: Code Excl18","Congenital external diseases, defects or anomalies.","War (whether declared or not) and war like occurrence","Dental care or surgery except as occasioned by Accidental Injury and requiring hospitalization.","Nuclear, chemical or biological attack or weapons"],"display":"Standard and specific permanent exclusions include Excl05 to Excl10, Excl12, Excl13, Excl16, Excl17, Excl18, congenital external defects, war, dental care except accidental injury requiring hospitalization, and nuclear/chemical/biological attack","note":"Excl01 to Excl03 are waiting periods and are not listed here as permanent exclusions.","quote":"Rest Cure, rehabilitation and respite care: Code- Excl05 ... Obesity /Weight Control: Code-Excl06 ... Change of Gender Treatments: Code-Excl07 ... Cosmetic or Plastic Surgery: Code-Excl08 ... Hazardous and Adventure Sports: Code-Excl09 ... Breach of Law: Code-Excl10 ... Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. Code-Excl12 ... Code-Excl13 ... Unproven Treatments: Code-Excl16 ... Sterility and Infertility: Code-Excl17 ... Maternity: Code Excl18 ... Congenital external diseases, defects or anomalies. ... War (whether declared or not) and war like occurrence ... Dental care or surgery except as occasioned by Accidental Injury and requiring hospitalization. ... Nuclear, chemical or biological attack or weapons","sources":[{"clause":"1","heading":"Rest Cure, rehabilitation and respite care: Code- Excl05","page":18,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-1-6"},{"clause":"2","heading":"Obesity /Weight Control: Code-Excl06","page":18,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-2-6"},{"clause":"3","heading":"Change of Gender Treatments: Code-Excl07","page":18,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-3-6"},{"clause":"4","heading":"Cosmetic or Plastic Surgery: Code-Excl08","page":18,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-4-5"},{"clause":"5","heading":"Hazardous and Adventure Sports: Code-Excl09","page":18,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-5-5"},{"clause":"6","heading":"Breach of Law: Code-Excl10","page":18,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-6-5"},{"clause":"7","heading":"Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof.","page":18,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-7-5"},{"clause":"8","heading":null,"page":18,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-8-4"},{"clause":"9","heading":"Unproven Treatments: Code-Excl16","page":18,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-9-3"},{"clause":"10","heading":"Sterility and Infertility: Code-Excl17","page":18,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-10-3"},{"clause":"Excl18","heading":"Maternity: Code Excl18","page":7,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-excl18"},{"clause":"10(d)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-10-d"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The policyholder may cancel by giving 15 days' written notice. The Company refunds premium for the unexpired policy period as per the printed table, but no refund is made where any claim has been admitted or lodged or any benefit has been availed.","display":"15 days' written notice; refund as per table; no refund if any claim admitted/lodged or benefit availed","note":"The cancellation refund table varies by policy term and cancellation period.","quote":"The policyholder may cancel this policy by giving 15 days' written notice and in such an event, the Company shall refund premium for the unexpired policy period as detailed below. Notwithstanding anything contained herein or otherwise, no refunds of premium shall be made in respect of Cancellation where, any claim has been admitted or has been lodged or any benefit has been availed by the insured person under the policy.","sources":[{"clause":"6","heading":"Cancellation","page":20,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-6-6"}],"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":"Hospital Cash and Vector Borne Diseases exclude treatment or diagnosis/treatment outside India. Personal Accident and Critical Illness benefits have worldwide geographical scope, but claims are settled in India in Indian rupees.","display":"India for Hospital Cash / Vector Borne Diseases; worldwide for Personal Accident / Critical Illness, settled in India in Indian rupees","note":"Territory differs by benefit section.","quote":"Treatment received outside India ... Diagnosis and treatment outside India. ... The geographical scope of this benefit will be worldwide; however, the claims shall be settled in India in Indian rupees ... The geographical scope of this benefit will be worldwide; however the claims shall be settled in India in Indian rupees","sources":[{"clause":"Excl18(ii)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-excl18-ii"},{"clause":null,"heading":"Specific Exclusion under Section IV - Vector Borne Diseases Benefit","page":17,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-specific-exclusion-under-section-iv-vector-borne"},{"clause":"4(II)(c)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-4-ii-c-2"},{"clause":"Excl02(b)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-excl02-b-2"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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 for renewal; 15 days for instalment premium","note":"The 15 days grace period applies if the insured has opted for premium instalments.","quote":"At the end of the policy period, the policy shall terminate and can be renewed within the Grace Period of 30 days to maintain the continuity of benefits without break in policy. Coverage is not available during grace period. ... Grace Period of 15 days would be given to pay the instalment premium due for the policy.","sources":[{"clause":"10","heading":"Renewal of Policy","page":21,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-10-4"},{"clause":"4","heading":"Premium Payment in Installments","page":19,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-4-6"}],"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 defines dependent children as between 3 months to 25 years but does not state the full youngest and oldest entry age for buying the policy.","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":"quote-verified","value":["Half Yearly","Quarterly","Monthly"],"display":"Half Yearly, Quarterly or Monthly","note":null,"quote":"If the insured person has opted for payment of premium on an installment basis i.e. Half Yearly, Quarterly or Monthly as mentioned in the certificate of insurance","sources":[{"clause":"4","heading":"Premium Payment in Installments","page":19,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-4-6"}],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"quote-verified","value":["Double ICU Benefit (DIB)-Sickness","Double ICU Benefit (DIB)- Only Accidents","Family Floater Cover","Deductible","Day Care Procedure Cash (DCP)","Waiting Period Waiver","Child Education Support","Accidental Medical Expenses","Transportation of Mortal Remains","Performance of Funeral Ceremony","Ambulance Hiring Charges","Modification of Vehicle/Residence","Permanent Total Disability (Enhanced)","Option to Waive 30-Day Survival Period"],"display":"Double ICU, family floater, deductible, day care procedure cash, waiting period waiver, child education support, accidental medical expenses, transportation of mortal remains, funeral ceremony, ambulance, vehicle/residence modification, enhanced PTD and survival-period waiver","note":"Waiting Period Waiver is also printed under Sections III and IV.","quote":"Double ICU Benefit (DIB)-Sickness ... Double ICU Benefit (DIB)- Only Accidents ... Family Floater Cover ... Deductible: It is a cost sharing requirement under this section ... Day Care Procedure Cash (DCP): ... Waiting Period Waiver ... a) Child Education Support: ... b) Accidental Medical Expenses: ... c. Transportation of Mortal Remains: ... d. Performance of Funeral Ceremony: ... e. Ambulance Hiring Charges ... f. Modification of Vehicle/Residence ... g. Permanent Total Disability (Enhanced) ... Option to Waive 30-Day Survival Period","sources":[{"clause":"1","heading":"Double ICU Benefit (DIB)-Sickness","page":4,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-1-3"},{"clause":"2","heading":"Double ICU Benefit (DIB)- Only Accidents","page":4,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-2-3"},{"clause":"3","heading":"Family Floater Cover","page":4,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-3-3"},{"clause":"4","heading":"Deductible: It","page":4,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-4-3"},{"clause":"5","heading":"Day Care Procedure Cash (DCP)","page":4,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-5-2"},{"clause":"6","heading":"Waiting Period Waiver","page":6,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-6-2"},{"clause":"4(II)(a)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-4-ii-a"},{"clause":"4(II)(b)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-4-ii-b"},{"clause":"4(II)(i)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-4-ii-i"},{"clause":"4(II)(i)(ii)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-4-ii-i-ii"},{"clause":null,"heading":"Optional Cover under Section III - Critical Illness Benefit","page":15,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-optional-cover-under-section-iii-critical-illnes"}],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"quote-verified","value":"Coverage is not available during the grace period.","display":"Coverage is not available during grace period","note":null,"quote":"Coverage is not available during grace period.","sources":[{"clause":"10","heading":"Renewal of Policy","page":21,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-10-4"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"Daily room limit, if any.","status":"not-applicable","value":null,"display":null,"note":"The base product pays fixed benefit sections such as hospital cash, personal accident, critical illness and vector-borne disease benefits, not hospital room rent reimbursement.","quote":null,"sources":[],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Childbirth cover and any waiting period.","status":"quote-verified","value":"Maternity is excluded for the Daily Hospital Cash Benefit: medical treatment expenses traceable to childbirth, including complicated deliveries and caesarean sections incurred during hospitalization, are excluded except ectopic pregnancy; miscarriage expenses are excluded unless due to an accident.","display":"Excluded, except ectopic pregnancy and miscarriage due to accident","note":null,"quote":"Maternity: Code Excl18 ... Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during hospitalization) except ectopic pregnancy; ... Expenses towards miscarriage (unless due to an accident) and lawful medical termination of pregnancy during the policy period.","sources":[{"clause":"Excl18","heading":"Maternity: Code Excl18","page":7,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-excl18"},{"clause":"Excl18(i)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-excl18-i"},{"clause":"Excl18(ii)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-excl18-ii"}],"law":[]},{"key":"ped_cover_group","label":"Pre-existing diseases","section":"Waiting periods","meaning":"Whether pre-existing diseases are covered from day one for the group.","status":"quote-verified","value":"Pre-existing disease and its direct complications are excluded until 36 months of continuous coverage from the date of inception of the first policy with the insurer, unless the optional waiting-period waiver is bought.","display":"Not from day one; PED waiting period is 36 months unless waived by optional cover","note":"Waiting Period Waiver is an optional cover for additional premium.","quote":"Expenses related to the treatment of a pre-existing disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first policy with insurer. ... Pre-Existing Disease Waiting Period","sources":[{"clause":"6(I)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-6-i"},{"clause":"6","heading":"Waiting Period Waiver","page":6,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-6-2"}],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"not-stated","value":null,"display":null,"note":"The definition of Notification of Claim mentions insurer or TPA, but the wording does not state whether claims under this product are handled by the insurer itself or a TPA.","quote":null,"sources":[],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"quote-verified","value":true,"display":"Yes, under Section I","note":"Printed as an Optional Cover under Section I.","quote":"Family Floater Cover: A Policy where the Insured Person(s) in a family are insured under a single Sum Insured under Section I.","sources":[{"clause":"3","heading":"Family Floater Cover","page":4,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801#c-3-3"}],"law":[]}],"documents":[{"kind":"wording","label":"Liberty Complete Protect Group - Policy Wordings (UIN - LIBHLGP25002V032425) (Effective from 01.10.2024)","pages":51,"fetched_at":"2026-10-17 19:58:50+00","source_url":"https://www.libertyinsurance.in/Docx/Liberty%20Complete%20Protect%20Group%20-%20Policy%20Wordings%20(UIN%20-%20LIBHLGP25002V032425)%20(Effective%20from%2001.10.2024).pdf","url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11752"},{"kind":"wording","label":"Liberty Complete Protect Group – Policy Wordings – (UIN - LIBHLGP23119V022223) (Withdrawn from 30.09.24)","pages":26,"fetched_at":"2026-10-17 20:00:54+00","source_url":"https://www.libertyinsurance.in/Docx/Liberty%20Complete%20Protect%20Group%20%E2%80%93%20Policy%20Wordings%20%E2%80%93%20(UIN%20-%20LIBHLGP23119V022223)%20(Withdrawn%20from%2030.09.24).pdf","url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11801"},{"kind":"wording","label":"Liberty Complete Protect Group - Policy Wordings (UIN - LIBHLGP21209V012021) (Withdrawn from 06.04.23)","pages":27,"fetched_at":"2026-10-17 20:00:53+00","source_url":"https://www.libertyinsurance.in/Docx/Liberty%20Complete%20Protect%20Group%20-%20Policy%20Wordings%20(UIN%20-%20LIBHLGP21209V012021)%20(Withdrawn%20from%2006.04.23).pdf","url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11821"},{"kind":"wording","label":"Liberty Complete Protect Group (IRDAI copy)","pages":61,"fetched_at":"2026-10-20 02:27:58+00","source_url":"https://irdai.gov.in/documents/37343/931203/LIBHLGP21209V012021_2020-2021.pdf/62a7d84f-e3f0-1adc-b2d0-303616ff329b?version=1.1&t=1668592386880&download=true","url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/28447"},{"kind":"prospectus","label":"Liberty Complete Protect Group Policy - Prospectus (UIN - LIBHLGP25002V032425) (Effective from 01.10.24)","pages":39,"fetched_at":"2026-10-17 19:57:12+00","source_url":"https://www.libertyinsurance.in/Docx/Liberty%20Complete%20Protect%20Group%20Policy%20-%20Prospectus%20(UIN%20-%20LIBHLGP25002V032425)%20(Effective%20from%2001.10.24).pdf","url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11725"},{"kind":"cis","label":"Liberty Complete Protect Group Policy - CIS (UIN - LIBHLGP25002V032425) (Effective from 01.10.2024)","pages":21,"fetched_at":"2026-10-17 19:49:26+00","source_url":"https://www.libertyinsurance.in/Docx/Liberty%20Complete%20Protect%20Group%20Policy%20-%20CIS%20(UIN%20-%20LIBHLGP25002V032425).pdf","url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/11617"},{"kind":"proposal","label":"Liberty Complete Protect Group Policy - Proposal Form (UIN - LIBHLGP25002V032425)","pages":null,"fetched_at":"2026-10-17 19:57:52+00","source_url":"https://www.libertyinsurance.in/Docx/Liberty%20Complete%20Protect%20Group%20Policy%20-%20Proposal%20Form%20(UIN%20-%20LIBHLGP25002V032425).pdf","url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223/document/30341"}],"versions":[{"uin":"LIBHLGP21209V012021","version":null,"approved_on":null},{"uin":"LIBHLGP25002V032425","version":null,"approved_on":null},{"uin":"LIBHLGP23119V022223","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Liberty General Insurance official website","url":"https://www.libertyinsurance.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 assistance","url":"https://www.libertyinsurance.in/claims/claims-assistance.html","note":null},{"purpose":"claim","kind":"insurer","name":"Health claims","url":"https://www.libertyinsurance.in/claims/health-claims.html","note":null},{"purpose":"claim","kind":"insurer","name":"Motor claims","url":"https://www.libertyinsurance.in/claims/motor-claims.html","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.libertyinsurance.in/customer-support/grievance-redressal.html","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":"Car insurance renewal","url":"https://www.libertyinsurance.in/products/motor-insurance/car-insurance-renewal","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":"Liberty Complete Protect Group (UIN LIBHLGP23119V022223), IndiaInsurances, https://indiainsurances.com/policy/liberty-general-insurance/liberty-complete-protect-group-libhlgp23119v022223"}