{"uin":"NHIHLGP27046V042627","name":"Narayana Group Health Insurance","url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627","insurer":{"slug":"narayana-health-insurance","name":"Narayana Health Insurance Ltd.","url":"https://indiainsurances.com/insurer/narayana-health-insurance"},"line":"health","category":"group-health","category_name":"Group health","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Narayana Group Health Insurance is a group health indemnity product with base hospitalization cover in India and optional hospitalization, personal accident and other benefit covers. The base sum insured range is INR 50,000 to INR 1 Crore, and base waiting periods are 30 days for illnesses, 36 months for pre-existing diseases and 24 months for specified diseases unless modified as allowed by the policy.","analysis":{"state":"machine","analysed_at":"2026-10-19 22:07:01.200667+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"The wording lists base coverage and optional covers, but does not name plan variants.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"Policy tenure is 1 year. For multi-year premium payment, coverage may be up to a maximum of 3 Years.","display":"1 year; multi-year coverage up to a maximum of 3 Years","note":"The multi-year premium clause appears under general terms for non-employer-employee group type.","quote":"Policy Tenure | 1 year ... The Insured Person may choose to pay Premium for multi years for coverage upto a maximum of 3 Years.","sources":[{"clause":null,"heading":"Product Benefits","page":68,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-product-benefits"},{"clause":"14.16","heading":"Multi-year Premium Payment","page":49,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-14-16"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"For reimbursement claims, notice with full particulars must be sent within 24 hours from the date of emergency hospitalization required or before discharge, whichever is earlier. For planned hospitalization, notice must be given at least 48 hours prior to admission.","display":"Emergency: within 24 hours or before discharge, whichever is earlier; planned: at least 48 hours before admission","note":null,"quote":"Notice with full particulars shall be sent to the Company/TPA (if applicable) as under:\ni) Within 24 hours from the date of emergency hospitalization required or before the Insured Person’s discharge from Hospital, whichever is earlier.\nii) At least 48 hours prior to admission in Hospital in case of a planned Hospitalization.","sources":[{"clause":"10.4","heading":"Procedure for reimbursement of claim","page":44,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-10-4"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Duly Completed claim form","Photo Identity proof of the patient","Medical practitioner’s prescription advising admission","Original bills with itemized break-up","Payment receipts","Discharge summary including complete medical history of the patient along with other details.","Investigation/ Diagnostic test reports etc. supported by the prescription from attending medical practitioner","OT notes or Surgeon’s certificate giving details of the operation performed (for surgery/surgical procedure cases)","Sticker/Invoice of the Implants, wherever applicable","MLR (Medico Legal Report copy if carried out and FIR (First information report) if registered, wherever applicable","NEFT Details (to enable direct credit of claim amount in bank account) and cancelled cheque","KYC (Identity proof with Address) of the proposer, where claim liability is above Rs 1 Lakh as per AML Guidelines","Legal heir/succession certificate, wherever applicable","Any other relevant document required by Company/TPA for assessment of the claim"],"display":"Claim form, ID proof, prescription advising admission, bills, receipts, discharge summary, investigation reports, surgery notes, implant invoice, MLR/FIR, NEFT and cancelled cheque, KYC above Rs 1 Lakh, legal heir certificate and any other relevant document","note":null,"quote":"The reimbursement claim is to be supported with the following documents and submitted within the prescribed time limit.\ni) Duly Completed claim form\nii) Photo Identity proof of the patient\niii) Medical practitioner’s prescription advising admission\niv) Original bills with itemized break-up\nv) Payment receipts\nvi) Discharge summary including complete medical history of the patient along with other details.\nvii) Investigation/ Diagnostic test reports etc. supported by the prescription from attending medical practitioner\nviii) OT notes or Surgeon’s certificate giving details of the operation performed (for surgery/surgical procedure cases)\nix) Sticker/Invoice of the Implants, wherever applicable\nx) MLR (Medico Legal Report copy if carried out and FIR (First information report) if registered, wherever applicable\nxi) NEFT Details (to enable direct credit of claim amount in bank account) and cancelled cheque\nxii) KYC (Identity proof with Address) of the proposer, where claim liability is above Rs 1 Lakh as per AML Guidelines\nxiii) Legal heir/succession certificate, wherever applicable\nxiv) Any other relevant document required by Company/TPA for assessment of the claim","sources":[{"clause":"10.4","heading":"Procedure for reimbursement of claim","page":44,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-10-4"}],"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 15 days from receipt of the last necessary document. If investigation is needed, it must complete investigation within 30 days and settle the claim within 45 days from receipt of the last necessary document, with interest at 2% above the bank rate for delay.","display":"15 days from last necessary document; investigation cases within 45 days","note":null,"quote":"The Company shall settle or reject a claim, as the case may be, within 15 days from the date of receipt of last necessary document. ... where the circumstances of a claim warrant an investigation in the opinion of the Company, it shall initiate and complete such an 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. ... In case of delay beyond stipulated 45 days the company shall be liable to pay interest to the concerned beneficiary at a rate 2% above the bank rate from the date of receipt of last necessary document to the date of payment of claim.","sources":[{"clause":"11.1","heading":null,"page":46,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-11-1"},{"clause":"11.3","heading":null,"page":46,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-11-3"},{"clause":"11.4","heading":null,"page":46,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-11-4"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Pre-existing Disease (Code-Excl01)","Specific Disease/Procedure waiting period (Code- Excl02)","30-Day Waiting Period (Code-Excl03)","Investigation & Evaluation (Code-Excl04)","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 or Adventure sports (Code-Excl09)","Breach of law (Code-Excl10)","Excluded Providers (Code-Excl11)","Treatment for, alcoholism, drug or substance abuse or any addictive condition and consequences thereof (Code-Excl12)","Treatments received in heath hydros, nature cure clinics, spas or similar establishments","Refractive Error (Code-Excl15)","Sterility and Infertility (Code-Excl17)","Maternity (Code-Excl18)"],"display":"PED, specified disease/procedure and 30-day waiting exclusions, plus investigation, rest cure, obesity, change-of-gender, cosmetic surgery, hazardous sports, breach of law, excluded providers, substance abuse, health hydros, refractive error, infertility and maternity exclusions","note":null,"quote":"Standard Exclusions (applicable to Health Insurance indemnity coverage and Hospital Daily Cash) a. Pre-existing Disease (Code-Excl01) b. Specific Disease/Procedure waiting period (Code- Excl02) c. 30-Day Waiting Period (Code-Excl03) d. Investigation & Evaluation (Code-Excl04) e. Rest Cure, rehabilitation, and respite care (Code- Excl05) f. Obesity/ Weight Control (Code-Excl06): g. Change-of-Gender treatments (Code-Excl07): h. Cosmetic or Plastic Surgery (Code-Excl08) i. Hazardous or Adventure sports (Code-Excl09) j. Breach of law (Code-Excl10) k. Excluded Providers (Code-Excl11) l. Treatment for, alcoholism, drug or substance abuse or any addictive condition and consequences thereof (Code-Excl12) m. Treatments received in heath hydros, nature cure clinics, spas or similar establishments ... Refractive Error (Code-Excl15): Expenses related to the treatment for correction of eyesight due to ... p. Unproven Treatments (Code-Excl16):\nq. Sterility and Infertility (Code-Excl17)\nr. Maternity (Code-Excl18)","sources":[{"clause":null,"heading":"Optional Base Covers","page":59,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-optional-base-covers"}],"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":"First contact Customer Support by phone or email. If unresolved, email grievance@narayanahealth.insurance, then write to the Grievance Redressal Officer at gro@narayanahealth.insurance before using IRDAI/Bima Bharosa or approaching the Insurance Ombudsman.","display":"Customer Support, then grievance@narayanahealth.insurance, then Grievance Redressal Officer at gro@narayanahealth.insurance","note":null,"quote":"Step 1:\nCall the Customer Support at +91 9821 034071 or email us at support@narayanahealth.insurance\nSenior citizens may call at 1800-203-0234 or email us at seniorcitizencare@narayanahealth.insurance for priority assistance.\nStep 2:\nIf the issue is not resolved in Step 1 and the customer wants to make a further suggestion or a complaint, they can email us at grievance@narayanahealth.insurance\nStep 3:\nIf the customer for some reason feels that we have not been able to resolve the issue even in Step 2 and customer wishes to raise a concern, please write to Grievance Redressal Officer at gro@narayanahealth.insurance.","sources":[{"clause":"14.24","heading":"Redressal of Grievance","page":51,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-14-24"}],"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":"quote-verified","value":"Base Sum Insured for Hospitalization Cover is INR 50,000 to INR 1 Crore, as specified in the Certificate of Insurance / Policy Schedule.","display":"INR 50,000 to INR 1 Crore","note":null,"quote":"Base Sum Insured for Hospitalization Cover: INR 50,000 to INR 1 Crore, as specified in Certificate of Insurance / Policy Schedule","sources":[{"clause":"Row 4","heading":"Sum Insured (Basis) (Along with amount)","page":56,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-row-4-2"}],"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":"Accident claims are excepted if covered. The 30-Day Waiting Period Modification Option can change this to the period mentioned in the Schedule of Benefits/Policy Schedule/Certificate of Insurance.","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. ... On availing this option, 30-Day Waiting Period listed under Section 8.1.3. shall stand modified to the period as mentioned in Schedule of Benefits on the Policy Schedule/Certificate of Insurance.","sources":[{"clause":"8.1.3","heading":"30-day waiting period","page":39,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-8-1-3"},{"clause":"4.1","heading":"30-Day Waiting Period Modification Option","page":17,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-4-1"}],"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":"Pre-Existing Waiting Period Modification Option can change the waiting period from 3 years to the period mentioned in the Schedule of Benefits/Policy Schedule/Certificate of Insurance.","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. ... On availing this option, Waiting Period listed under Section 8.1.1 shall stand modified from 3 years to the period as mentioned in Schedule of Benefits on the Policy Schedule/Certificate of Insurance.","sources":[{"clause":"8.1.1","heading":"Pre-existing Disease (Code-Excl01)","page":38,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-8-1-1"},{"clause":"4.3","heading":"Pre-Existing Waiting Period Modification Option","page":17,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-4-3"}],"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":24},"display":"24 months","note":"This exclusion does not apply to claims arising due to an Accident. The Specific Diseases / Procedures Waiting Period Modification Option can change it from 2 years to the period mentioned in the Schedule of Benefits/Policy Schedule/Certificate of Insurance.","quote":"Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the first Policy with us. ... On availing this option, Specific Disease / Procedure Waiting Period listed under Section 8.1.2 shall stand modified from 2 years to the period as mentioned in Schedule of Benefits on the Policy Schedule/Certificate of Insurance.","sources":[{"clause":"8.1.2","heading":"Specified Disease/Procedure waiting period (Code-Excl02)","page":38,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-8-1-2"},{"clause":"4.2","heading":"Specific Diseases / Procedures Waiting Period Modification Option","page":17,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-4-2"}],"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":["Pancreatitis","Diseases of gall bladder including cholecystitis","All forms of Cirrhosis","Cataract and other disorders of lens and Retina","Perineal Abscesses","Osteoarthritis and osteoporosis","Fibroids (fibromyoma)","Non infective Arthritis","Calculus diseases of Urogenital system e.g. Kidney stone, Urinary Bladder Stone","Ulcer and erosion of stomach and duodenum","Gastro Oesophageal Reflux Disorder (GERD)","Perianal Abscesses","Fissure/fistula in anus, Haemorrhoids including Gout and rheumatism","Benign Hyperplasia of Prostate","Pilonidal sinus","Benign tumours, cysts, nodules, polyps including breast lumps","Polycystic ovarian diseases","Sinusitis, Rhinitis","Skin tumours","Tonsillitis","Adenoidectomy, tonsillectomy","Tympanoplasty, Mastoidectomy","Hernia","Dilatation and curettage (D&C)","Nasal concha resection","Surgery for prolapsed inter vertebral disc","Myomectomy for fibroids","Surgery of Genito urinary system unless necessitated by Malignancy","Surgery for varicose veins and varicose ulcers","Surgery on prostate"],"display":"Listed illnesses and surgical procedures include pancreatitis, gall bladder disease, cirrhosis, cataract, osteoarthritis, fibroids, kidney/urinary stones, GERD, fissure/fistula, prostate hyperplasia, sinusitis/rhinitis, tonsillitis, hernia, D&C, disc surgery, genito-urinary surgery, varicose vein surgery and prostate surgery","note":null,"quote":"List of specific diseases/procedures is provided below:\nIllnesses\ni) Pancreatitis\nii) Diseases of gall bladder including cholecystitis\niii) All forms of Cirrhosis\niv) Cataract and other disorders of lens and Retina\nv) Perineal Abscesses\nvi) Osteoarthritis and osteoporosis\nvii) Fibroids (fibromyoma)\nviii) Non infective Arthritis\nix) Calculus diseases of Urogenital system e.g. Kidney stone, Urinary Bladder Stone\nx) Ulcer and erosion of stomach and duodenum\nxi) Gastro Oesophageal Reflux Disorder (GERD)\nxii) Perianal Abscesses\nxiii) Fissure/fistula in anus, Haemorrhoids including Gout and rheumatism\nxiv) Benign Hyperplasia of Prostate\nxv) Pilonidal sinus\nxvi) Benign tumours, cysts, nodules, polyps including breast lumps\nxvii) Polycystic ovarian diseases\nxviii. | Sinusitis, Rhinitis\nxix. Skin tumours\nxx. Tonsillitis\nSurgical Procedures\ni. Adenoidectomy, tonsillectomy\nii. Tympanoplasty, Mastoidectomy\niii. Hernia\niv. Dilatation and curettage (D&C)\nv. Nasal concha resection\nvi. Surgery for prolapsed inter vertebral disc\nvii. Myomectomy for fibroids\nviii. Surgery of Genito urinary system unless necessitated by Malignancy\nix. Surgery for varicose veins and varicose ulcers\nx. Surgery on prostate","sources":[{"clause":"8.1.2","heading":"Specified Disease/Procedure waiting period (Code-Excl02)","page":38,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-8-1-2"}],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"quote-verified","value":{"unit":"years","amount":5},"display":"Five continuous Years","note":"Applies including portability and migration; for enhanced sum insured, the period applies from the date of enhancement only on the enhanced limits.","quote":"After completion of Five continuous Year of coverage (including portability and migration) in health insurance policy, no policy and claim shall be contestable by the insurer on grounds of non-disclosure, misrepresentation, except on grounds of established fraud. This period of Five continuous Years is called as moratorium period. ... Wherever, the sum insured is enhanced, completion of sixty continuous months would be applicable from the date of enhancement of sums insured only on the enhanced limits.","sources":[{"clause":"9","heading":"Moratorium Period","page":43,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-9"}],"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 has the option to port the policy to other insurers by applying at least 30 days before, but not earlier than 60 days from, the renewal date. Waiting periods for PED and specific diseases/procedures are reduced by the continuous preceding years of coverage.","display":"Can port to other insurers; apply at least 30 days before and not earlier than 60 days from renewal; waiting-period credit is given","note":null,"quote":"The Insured Person will have the option to port the Policy to other insurers as per extant Guidelines related to portability. The Insured Person will have the option to port the Policy to other insurers by applying to such Insurer to port the entire policy along with all the members of the family, if any, at least 30 days before, but not earlier than 60 days from the policy renewal date as per IRDAI guidelines related to Portability. ... The waiting periods specified in Pre-existing Diseases Excl01 (Section 8.1.1), Specific Disease Procedure Waiting Period\nExcl02 (Section 8.1.2) shall be reduced by the number of continuous preceding years of coverage of the Insured Person under the previous health insurance Policy.","sources":[{"clause":"14.14","heading":"Portability","page":48,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-14-14"},{"clause":"14.14(a)","heading":null,"page":49,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-14-14-a"}],"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 states renewal terms, 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":"For employer-employee group type, premium rates or loadings are reviewed annually and further pricing is done on experience basis. The non-employer renewal clause says renewal shall not be denied because the insured made a claim or claims in preceding policy years.","display":"Employer group pricing reviewed annually on experience basis; renewal is not denied because of claims","note":"The experience-basis pricing clause is under employer-employee group terms; the document does not state an individual claim loading percentage.","quote":"a) Renewal shall not be denied on the ground that the insured had made a claim or claims in the preceding policy years. ... i) The premium rates or loadings for the product would not be changed without approval from Authority. However the performance of the product will be reviewed annually and further pricing will be done on experience basis.","sources":[{"clause":"14.15","heading":"Renewal of Policy","page":49,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-14-15"},{"clause":"15.15(i)","heading":null,"page":54,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-15-15-i"}],"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":"The insured may cancel by giving 7 days’ written notice. The Company refunds pro-rata premium for the unexpired policy period, except where a claim has been admitted, lodged or any benefit has been availed, in which case no refund is made.","display":"7 days’ written notice; pro-rata refund for unexpired period if no claim/benefit","note":null,"quote":"Except in case any claim has been admitted or has been lodged or any benefit has been availed under the Policy, the Insured may cancel this Policy by giving 7 days’ written notice and in such an event, the Company shall refund to the Insured a prorata premium for the unexpired Policy Period. ... 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":"14.11(a)","heading":null,"page":48,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-14-11-a"}],"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":"All medical treatment for the purpose of this insurance must be taken in India only.","display":"India only","note":null,"quote":"All medical treatment for the purpose of this insurance will have to be taken in India only.","sources":[{"clause":"14.8","heading":"Territorial Limit","page":47,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-14-8"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"thirty days","note":"Applicable at inception of the Policy, not on renewals or at the time of porting.","quote":"The insured shall be allowed a period of thirty 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":"14.18","heading":"Free Look Period","page":50,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-14-18"}],"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; 15 days for Monthly","note":"For instalment premium, coverage is available during the grace period. The renewal clause also says coverage is not available during the grace period for renewal.","quote":"Options | Instalment Premium Option | Grace period applicable\nOption 1 | Multi-Year / Yearly | 30 days\nOption 2 | Half-yearly | 30 days\nOption 3 | Quarterly | 30 days\nOption 4 | Monthly | 15 days","sources":[{"clause":"14.23","heading":"Premium Payment in Instalments","page":51,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-14-23"}],"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 does not state the youngest and oldest entry age for the base health cover.","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":["Multi-Year / Yearly","Half-yearly","Quarterly","Monthly"],"display":"Multi-Year / Yearly, Half-yearly, Quarterly, Monthly","note":null,"quote":"Options | Instalment Premium Option | Grace period applicable\nOption 1 | Multi-Year / Yearly | 30 days\nOption 2 | Half-yearly | 30 days\nOption 3 | Quarterly | 30 days\nOption 4 | Monthly | 15 days","sources":[{"clause":"14.23","heading":"Premium Payment in Instalments","page":51,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-14-23"}],"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":["30-Day Waiting Period Modification Option","Specific Diseases / Procedures Waiting Period Modification Option","Pre-Existing Waiting Period Modification Option","Initial Health Check-up / Examination for Medical Underwriting","Revive","AccumulatePlus","Annual Health Check-up","Emergency Air Ambulance Charges","Modification of Cover for Non-Medical Expenses or Consumables","Maternity Benefit","Pre and Post Natal Expenses","Baby Cover from Day 1","Intrapartum (Delivery-Related) Pregnancy Complication Cover","Vaccination for Newborn Baby in the First Year","Well Mother Cover","Well Baby Cover","Infertility Cover","OPD Cover for Mental Illness","Supportive Care Therapy for Child","Expenses for Cancer Investigation","Breast Reconstruction Expenses","Daily Deductible","Aggregate Deductible","Co-payment","Corporate Buffer","Domiciliary Hospitalization","Cover for Hospitalization due to act of Terrorism","Enhance Refractive Error Cover","Disease / Procedure / Treatment / Illness Capping","Bereavement Cover","Personal Accident Cover","Temporary Total Disablement Cover","Post Snake Bite or Animal Attack Vaccination","Hospital Daily Cash for Hospitalization due to Accidental Injury","Hospital Daily Cash for Hospitalization due to Illness","Loss of Income Benefit","Chauffer Benefit (Per day)","Dependent Child Education Cover","Repatriation Of Mortal Remains","Funeral Expenses","Modification Benefit (Residence)","Modification Benefit (Vehicle)","Emergency Medical Expenses Cover","Compassionate Visit","Convalescence Benefit","Burns Benefit","Broken Bones Benefit"],"display":"Optional hospitalization covers, deductibles/co-pay/buffer, domiciliary/terrorism/refractive/capping/bereavement covers and optional base covers such as PA, TTD, hospital daily cash, loss of income, child education, mortal remains, funeral, emergency medical expenses, compassionate visit, convalescence, burns and broken bones","note":"Optional base covers are additionally listed in the CIS as Personal Accident Benefit, Temporary Total Disablement, Post Snake Bite or Animal Attack Vaccination, Hospital Daily Cash, Loss of Income, Chauffer, Dependent Child Education, Repatriation of Mortal Remains, Funeral Expenses, Modification Benefit, Emergency Medical Expenses, Compassionate Visit, Convalescence, Burns and Broken Bones.","quote":"All coverages under Section 4. ‘Optional Coverage (Hospitalization)’ are optional in nature. ... On availing this option, 30-Day Waiting Period listed under Section 8.1.3. shall stand modified ... On availing this option, Specific Disease / Procedure Waiting Period listed under Section 8.1.2 shall stand modified ... On availing this option, Waiting Period listed under Section 8.1.1 shall stand modified ... Should we consider that an Initial Health Checkup or Examination is deemed necessary ... On availing this option ... Revive ... On availing this option ... AccumulatePlus ... On availing this option ... annual health check-up ... On availing this option ... Emergency Air Ambulance Charges ... On availing this option ... Modification of Cover for Non-Medical Expenses or Consumables ... On availing this option, we will indemnify Maternity Expenses ... On availing this option, we will indemnify Medical Expenses during hospitalization incurred during the Policy Year for Pre and Post Natal expenses ... On availing this option, we will indemnify Medical Expenses incurred on Hospitalization during the Policy Year towards Medically Necessary Treatment of the Insured Person‘s New Born Baby ... On availing this option, we will indemnify Medical Expenses necessitated due to the below listed Intrapartum Pregnancy Complications ... On availing this option, We will cover expenses incurred in respect of vaccinations of the Newborn Baby till he/she reaches 1 year of age ... On availing this Cover ... Well Mother Cover ... On availing this Cover ... Well Baby Cover ... If this optional Cover is opted ... infertility treatment ... If this optional cover is opted ... OPD expenses associated with Mental Illness ... If this optional cover is opted ... Supportive Care Therapy for Child ... If this optional cover is opted ... Expenses for Cancer Investigation ... If this optional cover is opted ... Breast Reconstruction Expenses ... On availing this option, Daily Deductible ... On availing this option, the Insured Person shall bear an amount equal to the Aggregate Deductible ... On availing this option, Co-payment ... On availing this option, we will provide for a Corporate Buffer ... On availing this option, the Company shall indemnify the Medical Expenses incurred during the Policy Year on Domiciliary Hospitalization ... On availing this option, we will indemnify Medical Expenses necessitated due to act of Terrorism ... If this optional cover is opted ... Enhance Refractive Error Cover ... On availing this option, any Claims ... Disease / Procedure / Treatment / Illness ... In the event of the Insured Person’s death occurring during Hospitalization for an admissible claim under this Policy ... Bereavement Cover","sources":[{"clause":"4","heading":"Optional Coverage (Hospitalization)","page":17,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-4"},{"clause":"4.1","heading":"30-Day Waiting Period Modification Option","page":17,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-4-1"},{"clause":"4.2","heading":"Specific Diseases / Procedures Waiting Period Modification Option","page":17,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-4-2"},{"clause":"4.3","heading":"Pre-Existing Waiting Period Modification Option","page":17,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-4-3"},{"clause":"4.4","heading":"Initial Health Check-up / Examination for Medical Underwriting","page":17,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-4-4"},{"clause":"4.5","heading":"Revive","page":17,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-4-5"},{"clause":"4.6","heading":"AccumulatePlus","page":17,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-4-6"},{"clause":"4.7","heading":"Annual Health Check-up","page":18,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-4-7"},{"clause":"4.8","heading":"Emergency Air Ambulance Charges","page":18,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-4-8"},{"clause":"4.9","heading":"Modification of Cover for Non-Medical Expenses or Consumables","page":18,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-4-9"},{"clause":"4.10","heading":"Maternity Benefit","page":19,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-4-10"},{"clause":"4.11","heading":"Pre and Post Natal Expenses","page":19,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-4-11"},{"clause":"4.12","heading":"Baby Cover from Day 1","page":19,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-4-12"},{"clause":"4.13","heading":"Intrapartum (Delivery-Related) Pregnancy Complication Cover","page":19,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-4-13"},{"clause":"4.14","heading":"Vaccination for Newborn Baby in the First Year","page":20,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-4-14"},{"clause":"4.15","heading":"Well Mother Cover","page":20,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-4-15"},{"clause":"4.16","heading":"Well Baby Cover","page":20,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-4-16"},{"clause":"4.17","heading":"Infertility Cover","page":21,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-4-17"},{"clause":"4.18","heading":"OPD Cover for Mental Illness","page":21,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-4-18"},{"clause":"4.19","heading":"Supportive Care Therapy for Child","page":21,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-4-19"},{"clause":"4.20","heading":"Expenses for Cancer Investigation","page":21,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-4-20"},{"clause":"4.21","heading":"Breast Reconstruction Expenses","page":21,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-4-21"},{"clause":"4.22","heading":"Daily Deductible","page":21,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-4-22"},{"clause":"4.23","heading":"Aggregate Deductible","page":22,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-4-23"},{"clause":"4.24","heading":"Co-payment","page":22,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-4-24"},{"clause":"4.25","heading":"Corporate Buffer (applicable for Employer-Employee relationship only)","page":23,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-4-25"},{"clause":"4.26","heading":"Domiciliary Hospitalization","page":24,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-4-26"},{"clause":"4.27","heading":"Cover for Hospitalization due to act of Terrorism","page":24,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-4-27"},{"clause":"4.28","heading":"Enhance Refractive Error Cover","page":24,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-4-28"},{"clause":"4.29","heading":"Disease / Procedure / Treatment / Illness Capping","page":25,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-4-29"},{"clause":"4.30","heading":"Bereavement Cover","page":26,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-4-30"}],"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":"If premium is paid in instalments, coverage is available during the grace period. For renewal/non-instalment premium payment, coverage is not available during the period for which no premium is received.","display":"Available during grace for instalment premiums; not available for renewal/non-instalment unpaid period","note":null,"quote":"2 If Premium is paid in instalments, then coverage will be available during the grace period also. ... At the end of the Policy Period, the policy shall terminate and can be renewed within the Grace Period of 30 days to maintain continuity of benefits without Break in Policy. Coverage is not available during the grace period.","sources":[{"clause":"14.23","heading":"Premium Payment in Instalments","page":51,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-14-23"},{"clause":"14.15","heading":"Renewal of Policy","page":49,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-14-15"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"Daily room limit, if any.","status":"not-stated","value":null,"display":null,"note":"The wording says room rent type and limit are as specified in the Certificate of Insurance / Policy Schedule, but the actual daily limit is not printed in the provided wording.","quote":null,"sources":[],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Childbirth cover and any waiting period.","status":"quote-verified","value":"Maternity expenses are excluded unless the optional Maternity Benefit is opted. If opted, maternity expenses are indemnified under inpatient care up to the limit in the Certificate of Insurance / Policy Schedule, with an additional waiting period as specified there.","display":"Excluded unless optional Maternity Benefit is opted; if opted, covered up to the schedule limit with schedule-specified waiting period","note":"Maternity Benefit is optional and supersedes Excl18 only to the extent of coverage provided under that benefit.","quote":"Maternity (Code-Excl18) ... Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during Hospitalization) except ectopic pregnancy; ... On availing this option, we will indemnify Maternity Expenses incurred by the Insured Person under Inpatient Care Section 3.1, incurred during the Policy Year. ... d) An additional waiting period as specified in the Certificate of Insurance / Policy Schedule against this cover) starting from the date of commencement of this Cover under this Policy shall apply for all Claims under Maternity Cover.","sources":[{"clause":"8.1.18","heading":"Maternity (Code-Excl18)","page":41,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-8-1-18"},{"clause":"8.1.18(a)","heading":null,"page":41,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-8-1-18-a"},{"clause":"4.10","heading":"Maternity Benefit","page":19,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-4-10"}],"law":[]},{"key":"ped_cover_group","label":"Pre-existing diseases","section":"Waiting periods","meaning":"Whether pre-existing diseases are covered from day one for the group.","status":"quote-verified","value":"Pre-existing diseases are not covered from day one by default; expenses for PED and direct complications are excluded until 36 months of continuous coverage. The Pre-Existing Waiting Period Modification Option can modify this period as mentioned in the schedule.","display":"Not from day one by default; 36 months unless modified","note":null,"quote":"Expenses related to the treatment of a pre-existing disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first policy with insurer. ... On availing this option, Waiting Period listed under Section 8.1.1 shall stand modified from 3 years to the period as mentioned in Schedule of Benefits on the Policy Schedule/Certificate of Insurance.","sources":[{"clause":"8.1.1","heading":"Pre-existing Disease (Code-Excl01)","page":38,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-8-1-1"},{"clause":"4.3","heading":"Pre-Existing Waiting Period Modification Option","page":17,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-4-3"}],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"quote-verified","value":"Cashless admission is available at listed Network Providers for covered benefits. Cashless may also be extended for planned treatment at eligible Non-Network Providers and for emergency admissions at Non-network Providers if the healthcare provider agrees to such arrangements.","display":"Cashless at listed Network Providers; possible for eligible non-network planned/emergency cases subject to arrangements","note":"For network cashless pre-authorization, the insured must produce Digital Health Card or Certificate of Insurance or Policy Number with valid government proof of identity at the Insurance Desk.","quote":"Cashless admission facility shall be extended to the Insured Person in case of at the listed Network Provider for the coverage as defined under the Benefits in this document. ... Cashless admission facility shall be extended to the Insured Person in case of planned admissions in such cases. ... We shall extend the cashless facility in such cases subject to the concerned healthcare provider agreeing to such arrangements.","sources":[{"clause":"10.1","heading":"For treatment at Network Provider","page":43,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-10-1"},{"clause":"10.2","heading":null,"page":44,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-10-2"},{"clause":"10.3","heading":null,"page":44,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-10-3"}],"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 claim procedure refers to Company/TPA (if applicable), but does not state a named TPA or definitively state whether claims are handled only by the insurer or by 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","note":null,"quote":"Family Floater Policy means a Policy described as such in the Policy Schedule where the family members (two or more) named in the Policy Schedule are insured under this Policy. ... In case of Family Floater Policy, Sum Insured means the Sum Insured is shared amongst the primary insured and his/her family members who are covered under the policy.","sources":[{"clause":"2.2.11","heading":"Family Floater Policy","page":6,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-2-2-11"},{"clause":"2.2.32","heading":"Sum Insured","page":7,"url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809#c-2-2-32"}],"law":[]}],"documents":[{"kind":"wording","label":"Narayana Group Health Insurance Terms and Conditions","pages":93,"fetched_at":"2026-10-17 19:47:14+00","source_url":"https://stgaccinwbsprdlrs01.blob.core.windows.net/nhilprd/Terms_and_Conditions_NGHI_a13569409c.pdf?sv=2025-05-05&spr=https&st=2026-05-12T17%3A52%3A24Z&se=2036-05-09T17%3A52%3A24Z&sr=b&sp=r&sig=cOK3PUalt8JyiA9CStThBR0r6YQzHzy3%2FJ1RSXy7vt0%3D","url":"https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627/document/12809"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Narayana Health Insurance official website","url":"https://www.narayanahealth.insurance/","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":"Cashless claim","url":"https://www.narayanahealth.insurance/cashless-claim","note":null},{"purpose":"claim","kind":"insurer","name":"Reimbursement claim","url":"https://www.narayanahealth.insurance/reimbursement-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.narayanahealth.insurance/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."}],"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":"Narayana Group Health Insurance (UIN NHIHLGP27046V042627), IndiaInsurances, https://indiainsurances.com/policy/narayana-health-insurance/narayana-group-health-insurance-nhihlgp27046v042627"}