{"uin":"NIAHLIP25038V022425","name":"New India Criti Protect Policy","url":"https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425","insurer":{"slug":"new-india-assurance","name":"The New India Assurance Company Limited","url":"https://indiainsurances.com/insurer/new-india-assurance"},"line":"health","category":"critical-illness","category_name":"Critical illness","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"New India Criti Protect Policy is a benefit critical illness policy that pays a lump sum on first diagnosis of a listed critical illness under the 9CI, 18CI, 25CI or 41CI plan. It offers sum insured choices from Rs. 5 L to Rs. 50 L in Rs. 5 L multiples, with a 90 days waiting period and worldwide geographical scope with claims settled in India in Indian Rupees only.","analysis":{"state":"machine","analysed_at":"2026-10-19 22:00:03.534329+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":["9CI","18CI","25CI","41CI"],"display":"9CI, 18CI, 25CI, 41CI","note":null,"quote":"Four Plans are available under the Policy. Insured may choose any one of the Plans at the time of taking the policy for the first time or at the time of renewal.\nSr. No | Critical Illnesses | 9CI | 18CI | 25CI | 41CI","sources":[{"clause":"5","heading":"HOW MANY CRITICAL ILLNESS PLANS ARE AVAILABLE UNDER THE POLICY?","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425/document/13519#c-5"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"The policy term can be 1 Year, 2 Years or 3 Years.","display":"1 Year or 2 Years or 3 Years","note":null,"quote":"POLICY TERM means the tenure of the policy, which can be 1 Year or 2 Years or 3 Years.","sources":[{"clause":"2.37","heading":"POLICY TERM","page":9,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425/document/13499#c-2-37"}],"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":"Intimation must be sent to the insurer or TPA within 15 days of first diagnosis of the Critical Illness, date of surgical procedure or date of occurrence of the medical event, as applicable.","display":"within 15 days of first diagnosis of the Critical Illness, date of surgical procedure or date of occurrence of the medical event","note":null,"quote":"In the event of any claim, intimation to be sent to Us/TPA within 15 days of first diagnosis of the Critical Illness, date of surgical procedure or date of occurrence of the medical event as the case may be, in order for us to provide prompt and effective assistance.","sources":[{"clause":"5.33","heading":"Claim Procedure","page":25,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425/document/13499#c-5-33"}],"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":["Original claim form duly signed and filled in.","NEFT details of Insured / nominee as the case may be.","Photo ID Proof of Insured/ nominee.","Address Proof of Insured / nominee","Original detailed Discharge Summary / Day care summary.","Indoor case papers from the hospital if applicable.","Death Summary from the hospital if applicable","First Consultation letter and subsequent Prescriptions.","Reports of investigation supported by the note from Attending Medical Practitioner / Surgeon demanding such test","Medical certificate confirming the diagnosis of Critical Illness","Hospital Registration Number details","Doctors registration Number and Qualification of the doctor","Specific documents listed under the respective critical illness","FIR copy or medico legal certificate will also be required wherever conducted","Name, date of occurrence and medical details confirming the event giving rise to the Claim.","Written confirmation from the treating Medical Practitioner that the event giving rise to the Claim does not relate to any Pre- Existing Disease or any Illness or Injury which was diagnosed within the first 90 days of commencement of first Policy Period with Us.","Any other documents as may be required by us"],"display":"Claim form, NEFT details, ID and address proof, discharge/day care or death summary, consultation and investigation records, diagnosis certificate, hospital and doctor registration details, critical-illness-specific documents, accident FIR/MLC where conducted, event details, PED/90-day confirmation, and any other required documents","note":null,"quote":"• Original claim form duly signed and filled in.\n• NEFT details of Insured / nominee as the case may be.\n• Photo ID Proof of Insured/ nominee.\n• Address Proof of Insured / nominee\n• Original detailed Discharge Summary / Day care summary. Indoor case papers from the hospital if applicable. Death Summary from the hospital if applicable\n• First Consultation letter and subsequent Prescriptions. Reports of investigation supported by the note from Attending Medical Practitioner / Surgeon demanding such test\n• Medical certificate confirming the diagnosis of Critical Illness\n• Hospital Registration Number details\n• Doctors registration Number and Qualification of the doctor\n• Specific documents listed under the respective critical illness\n• In the cases where Critical Illness arises due to an accident, FIR copy or medico legal certificate will also be required wherever conducted. We may call for any additional necessary documents/information as required based on the circumstances of the claim\n• Name, date of occurrence and medical details confirming the event giving rise to the Claim.\n• Written confirmation from the treating Medical Practitioner that the event giving rise to the Claim does not relate to any Pre- Existing Disease or any Illness or Injury which was diagnosed within the first 90 days of commencement of first Policy Period with Us.\n• Any other documents as may be required by us","sources":[{"clause":null,"heading":"Checklist of claim documents","page":25,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425/document/13499#c-checklist-of-claim-documents"}],"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":"Claims other than cashless shall be settled within fifteen days from submission of claim. If payment is delayed, interest is payable from receipt of the last necessary document to payment at 2% above the bank rate.","display":"within fifteen days from submission of claim; delay interest from last necessary document at 2% above the bank rate","note":null,"quote":"Settlement of claims (other than cashless) shall be settled within fifteen days from submission of claim. ... In the case of delay in the payment of a claim, the Company shall be liable to pay interest to the policyholder from the date of receipt of last necessary document to the date of payment of claim at a rate 2% above the bank rate.","sources":[{"clause":"5.3(i)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425/document/13499#c-5-3-i"},{"clause":"5.3(ii)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425/document/13499#c-5-3-ii"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Any Pre-existing Condition, ailment or disease, or its related conditions arising from it.","We shall not be liable to make any payment in respect of any Critical Illness which is diagnosed within the first 90 days of the Inception Date of First Policy.","Any Illness, sickness or disease other than those specified as Critical Illnesses under this Policy.","Any Critical Illness directly caused due to intentional self-injury, suicide or attempted suicide.","Any Critical Illness caused due to treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof.","Any Critical Illness caused by any treatment necessitated due to participation as a professional in hazardous or adventure sport","Any Critical Illness caused by any unproven/ experimental treatment, service and supplies for or in connection with any treatment.","Any Critical Illness caused due to treatments received in health hydros, nature cure clinics, spas or similar establishments","Any Critical Illness caused by treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent","Narcotics used by the Insured Person unless taken as prescribed by a registered Medical Practitioner,","Participation by the Insured Person in any flying activity, except as a bona fide, fare paying passenger of a recognized airline on regular routes and on a scheduled timetable.","Congenital External Anomalies, or any complications or conditions arising therefrom including any developmental conditions of the Insured.","Any Critical Illness caused by Medical treatment traceable to childbirth","Any Critical Illness caused due to any treatment, including surgical management, to change characteristics of the body to those of opposite sex.","Any Critical Illness caused by ionizing radiation or contamination by radioactivity from any nuclear fuel"],"display":"Pre-existing conditions; critical illness diagnosed in the first 90 days; illnesses other than specified critical illnesses; self-injury or suicide; alcohol or drug abuse; hazardous or adventure sports; unproven or experimental treatment; health hydros/nature cure/spas; breach of law; narcotics unless prescribed; flying except as fare-paying airline passenger; congenital external anomalies; childbirth-related treatment; sex-change treatment; nuclear radiation or contamination","note":null,"quote":"Any Pre-existing Condition, ailment or disease, or its related conditions arising from it. ... diagnosed within the first 90 days of the Inception Date of First Policy. ... Any Illness, sickness or disease other than those specified as Critical Illnesses under this Policy. ... Any Critical Illness directly caused due to intentional self-injury, suicide or attempted suicide. ... Any Critical Illness caused due to treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. ... Any Critical Illness caused by any treatment necessitated due to participation as a professional in hazardous or adventure sport, including but not limited to, para jumping, rock climbing, mountaineering, rafting, motor racing, horse racing or scuba diving, hand gliding, sky diving, deep sea diving ... Any Critical Illness caused by any unproven/ experimental treatment, service and supplies for or in connection with any treatment. ... Any Critical Illness caused due to treatments received in health hydros, nature cure clinics, spas or similar establishments or private beds registered as a nursing home attached to such establishments or where admission is arranged wholly or partly for domestic reason. ... Any Critical Illness caused by treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent ... Narcotics used by the Insured Person unless taken as prescribed by a registered Medical Practitioner, ... Participation by the Insured Person in any flying activity, except as a bona fide, fare paying passenger of a recognized airline on regular routes and on a scheduled timetable. ... Congenital External Anomalies, or any complications or conditions arising therefrom including any developmental conditions of the Insured. ... Any Critical Illness caused by Medical treatment traceable to childbirth (including complicated deliveries and caesarean sections incurred during hospitalization) except ectopic pregnancy. ... Any Critical Illness caused due to any treatment, including surgical management, to change characteristics of the body to those of opposite sex. ... Any Critical Illness caused by ionizing radiation or contamination by radioactivity from any nuclear fuel (explosive or hazardous form) or from any nuclear waste from the combustion of nuclear fuel, nuclear, chemical or biological attack.","sources":[{"clause":"4.1","heading":null,"page":17,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425/document/13499#c-4-1"},{"clause":"4.2","heading":"We shall not be liable to make any payment in respect of any Critical Illness which is","page":17,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425/document/13499#c-4-2"},{"clause":"4.3","heading":null,"page":17,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425/document/13499#c-4-3"},{"clause":"4.4","heading":null,"page":17,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425/document/13499#c-4-4"},{"clause":"4.5","heading":null,"page":17,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425/document/13499#c-4-5"},{"clause":"4.6","heading":"Any Critical Illness caused by any treatment necessitated due to participation as a","page":17,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425/document/13499#c-4-6"},{"clause":"4.7","heading":null,"page":17,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425/document/13499#c-4-7"},{"clause":"4.8","heading":null,"page":17,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425/document/13499#c-4-8"},{"clause":"4.9","heading":null,"page":17,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425/document/13499#c-4-9"},{"clause":"4.10","heading":"Narcotics used by the Insured Person unless taken as prescribed by a registered Medical","page":18,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425/document/13499#c-4-10"},{"clause":"4.11","heading":null,"page":18,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425/document/13499#c-4-11"},{"clause":"4.12","heading":"Congenital External Anomalies, or any complications or conditions arising therefrom","page":18,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425/document/13499#c-4-12"},{"clause":"4.13","heading":"Any Critical Illness caused by Medical treatment traceable to childbirth (including","page":18,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425/document/13499#c-4-13"},{"clause":"4.15","heading":"Any Critical Illness caused due to any treatment, including surgical management, to change","page":18,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425/document/13499#c-4-15"},{"clause":"4.21","heading":null,"page":19,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425/document/13499#c-4-21"}],"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, contact the company through its website, toll-free number, e-mail, fax or courier details in the policy schedule, or the grievance cell at a branch. If not satisfied, contact the grievance officer; senior citizens may write to the senior citizen care e-mail before approaching the Insurance Ombudsman or IRDAI IGMS.","display":"Company website/toll-free/e-mail/fax/courier or branch grievance cell first; then grievance officer; then Insurance Ombudsman or IRDAI IGMS","note":null,"quote":"In case of any grievance the insured person may contact the company through\n• Website: https://www.newindia.co.in/portal/\n• Toll free: 1800-209-1415\n• E-mail, Fax and Courrier: As mentioned in the Policy Schedule Insured person may also approach the grievance cell at any of the company’s branches with the details of grievance If Insured person is not satisfied with the redressal of grievance through one of the above methods, insured person may contact the grievance officer at https://www.newindia.co.in/portal/readMore/Grievances Senior Citizens may write to seniorcitizencare.ho@newindia.co.in If Insured person is not satisfied with the redressal of grievance through above methods, the insured person may also approach the office of Insurance Ombudsman of the respective area/region","sources":[{"clause":"5.11","heading":"GRIEVANCE MECHANISM","page":22,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425/document/13499#c-5-11"}],"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":"Sum Insured can be chosen between Rs. 5 L and Rs. 50 L in multiples of Rs. 5 L, subject to restrictions for non-gainful employment and income proof for higher sums.","display":"Rs. 5 L to Rs. 50 L in multiples of Rs. 5 L","note":"If not under gainful employment, Sum Insured is restricted to Rs. 15,00,000. For any sum assured in excess of INR 25,00,000, income proof is required.","quote":"You are free to choose any Sum Insured of between Rs. 5 L and to Rs. 50 L in multiples of Rs. 5 L subject to the below conditions.\n• In case you are not under Gainful employment, then your Sum Insured shall be restricted to Rs. 15,00,000. ... For any sum assured in excess of INR 25,00,000 Income proof is required.","sources":[{"clause":"11","heading":"WHAT SUM INSURED SHOULD I CHOOSE?","page":5,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425/document/13519#c-11"}],"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":90},"display":"90 days","note":"The 90 days waiting period is not applicable on renewals to the extent of sum insured under the previous policy.","quote":"We shall not be liable to make any payment in respect of any Critical Illness which is diagnosed within the first 90 days of the Inception Date of First Policy. These 90 days waiting period shall not be applicable on renewals to the extent of sum insured under the previous policy.","sources":[{"clause":"4.2","heading":"We shall not be liable to make any payment in respect of any Critical Illness which is","page":17,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425/document/13499#c-4-2"}],"law":[]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"quote-verified","value":{"unit":"months","amount":60},"display":"sixty continuous months","note":"For enhanced sums insured, the sixty continuous months apply from the date of enhancement only on the enhanced limit.","quote":"After completion of sixty continuous months of coverage (including portability and migration in health insurance policy) , no policy and claim shall be contestable by the insurer on grounds of non-disclosure , mis-representation except on grounds of established fraud . This period of sixty continuous months is called as Moratorium period.","sources":[{"clause":"5.10","heading":"Nomination","page":21,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425/document/13499#c-5-10"}],"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":"Portability is available as a facility to transfer credits gained for pre-existing diseases and specific waiting periods from one insurer to another insurer.","display":"facility to transfer the credits gained for pre-existing diseases and specific waiting periods, from one insurer to another insurer","note":null,"quote":"PORTABILITY means the facility provided to the health insurance policyholder (including all members under family cover), to transfer the credits gained for pre-existing diseases and specific waiting periods, from one insurer to another insurer.","sources":[{"clause":"2.16","heading":"PORTABILITY","page":3,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425/document/13499#c-2-16"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"quote-verified","value":true,"display":"no age limit for renewal","note":"Insured persons aged 81 & above can renew for 1-year tenure only. The policy wording also states that once the insured had claim in the expiring policy, renewal cannot be done because it is a benefit policy.","quote":"There is an age limit for taking a fresh Policy which is 65 Years, but there is no age limit for renewal. However, for the Insured persons aged 81 & above, renewals can be done for a period of 1-year tenure only instead of up to 3-year tenure i.e. they have to renew each year. ... Once the insured had claim in the expiring policy, No renewals cannot be done as it is benefit policy.","sources":[{"clause":"21","heading":"IS THERE AN AGE LIMIT UPTO WHICH THE POLICY WOULD BE RENEWED?","page":7,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425/document/13519#c-21"},{"clause":"5.7","heading":"Policy renewal","page":20,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425/document/13499#c-5-7"}],"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 shall apply on renewals based on individual claims experience. However, if the insured had a claim in the expiring policy, renewal cannot be done because this is a benefit policy.","display":"No loading on renewals based on individual claims experience","note":null,"quote":"Once the insured had claim in the expiring policy, No renewals cannot be done as it is benefit policy. ... No loading shall apply on renewals based on individual claims experience.","sources":[{"clause":"5.7","heading":"Policy renewal","page":20,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425/document/13499#c-5-7"}],"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":["Any Pre-existing Condition, ailment or disease, or its related conditions arising from it.","Any Illness, sickness or disease other than those specified as Critical Illnesses under this Policy.","Any Critical Illness directly caused due to intentional self-injury, suicide or attempted suicide.","Any Critical Illness caused due to treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof.","Any Critical Illness caused by any treatment necessitated due to participation as a professional in hazardous or adventure sport","Any Critical Illness caused by any unproven/ experimental treatment, service and supplies for or in connection with any treatment.","Any Critical Illness caused due to treatments received in health hydros, nature cure clinics, spas or similar establishments","Any Critical Illness caused by treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent","Narcotics used by the Insured Person unless taken as prescribed by a registered Medical Practitioner,","Participation by the Insured Person in any flying activity, except as a bona fide, fare paying passenger of a recognized airline on regular routes and on a scheduled timetable.","Congenital External Anomalies, or any complications or conditions arising therefrom including any developmental conditions of the Insured.","Any Critical Illness caused by Medical treatment traceable to childbirth","Any Critical Illness based on certification/diagnosis/treatment from persons not registered as Medical Practitioners","Any Critical Illness caused due to any treatment, including surgical management, to change characteristics of the body to those of opposite sex.","Any Critical Illness caused due to cosmetic or plastic surgery or any treatment to change the appearance","Any critical illness caused due to surgical treatment of obesity that does not fulfil all the below conditions","Any Critical Illness caused by sterility and infertility.","Any Critical Illness resulting from a physical condition which existed prior to first risk inception date which was not disclosed.","Any Critical Illness, caused by or arising from or attributable to a foreign invasion, act of foreign enemies, hostilities, warlike operations","Any Critical Illness caused by ionizing radiation or contamination by radioactivity from any nuclear fuel"],"display":"Permanent exclusions include pre-existing conditions; illnesses other than specified critical illnesses; self-injury or suicide; alcohol or drug abuse; adventure sports; experimental treatment; health hydros/nature cure/spas; breach of law; narcotics unless prescribed; flying except as fare-paying passenger; congenital external anomalies; childbirth; unregistered practitioners; sex-change treatment; cosmetic surgery; obesity surgery outside stated conditions; sterility and infertility; undisclosed prior physical condition; war or foreign invasion; and nuclear radiation or contamination.","note":null,"quote":"Any Pre-existing Condition, ailment or disease, or its related conditions arising from it. ... Any Illness, sickness or disease other than those specified as Critical Illnesses under this Policy. ... Any Critical Illness directly caused due to intentional self-injury, suicide or attempted suicide. ... Any Critical Illness caused due to treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. ... Any Critical Illness caused by any treatment necessitated due to participation as a professional in hazardous or adventure sport ... Any Critical Illness caused by any unproven/ experimental treatment, service and supplies for or in connection with any treatment. ... Any Critical Illness caused due to treatments received in health hydros, nature cure clinics, spas or similar establishments ... Any Critical Illness caused by treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent ... Narcotics used by the Insured Person unless taken as prescribed by a registered Medical Practitioner, ... Participation by the Insured Person in any flying activity, except as a bona fide, fare paying passenger of a recognized airline on regular routes and on a scheduled timetable. ... Congenital External Anomalies, or any complications or conditions arising therefrom including any developmental conditions of the Insured. ... Any Critical Illness caused by Medical treatment traceable to childbirth ... Any Critical Illness based on certification/diagnosis/treatment from persons not registered as Medical Practitioners ... Any Critical Illness caused due to any treatment, including surgical management, to change characteristics of the body to those of opposite sex. ... Any Critical Illness caused due to cosmetic or plastic surgery or any treatment to change the appearance ... Any critical illness caused due to surgical treatment of obesity that does not fulfil all the below conditions ... Any Critical Illness caused by sterility and infertility. ... Any Critical Illness resulting from a physical condition which existed prior to first risk inception date which was not disclosed. ... Any Critical Illness, caused by or arising from or attributable to a foreign invasion, act of foreign enemies, hostilities, warlike operations ... Any Critical Illness caused by ionizing radiation or contamination by radioactivity from any nuclear fuel","sources":[{"clause":"4.1","heading":null,"page":17,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425/document/13499#c-4-1"},{"clause":"4.3","heading":null,"page":17,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425/document/13499#c-4-3"},{"clause":"4.4","heading":null,"page":17,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425/document/13499#c-4-4"},{"clause":"4.5","heading":null,"page":17,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425/document/13499#c-4-5"},{"clause":"4.6","heading":"Any Critical Illness caused by any treatment necessitated due to participation as a","page":17,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425/document/13499#c-4-6"},{"clause":"4.7","heading":null,"page":17,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425/document/13499#c-4-7"},{"clause":"4.8","heading":null,"page":17,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425/document/13499#c-4-8"},{"clause":"4.9","heading":null,"page":17,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425/document/13499#c-4-9"},{"clause":"4.10","heading":"Narcotics used by the Insured Person unless taken as prescribed by a registered Medical","page":18,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425/document/13499#c-4-10"},{"clause":"4.11","heading":null,"page":18,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425/document/13499#c-4-11"},{"clause":"4.12","heading":"Congenital External Anomalies, or any complications or conditions arising therefrom","page":18,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425/document/13499#c-4-12"},{"clause":"4.13","heading":"Any Critical Illness caused by Medical treatment traceable to childbirth (including","page":18,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425/document/13499#c-4-13"},{"clause":"4.14","heading":null,"page":18,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425/document/13499#c-4-14"},{"clause":"4.15","heading":"Any Critical Illness caused due to any treatment, including surgical management, to change","page":18,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425/document/13499#c-4-15"},{"clause":"4.16","heading":null,"page":18,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425/document/13499#c-4-16"},{"clause":"4.17","heading":null,"page":18,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425/document/13499#c-4-17"},{"clause":"4.18","heading":"Any Critical Illness caused by sterility and infertility. This","page":18,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425/document/13499#c-4-18"},{"clause":"4.19","heading":null,"page":19,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425/document/13499#c-4-19"},{"clause":"4.20","heading":null,"page":19,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425/document/13499#c-4-20"},{"clause":"4.21","heading":null,"page":19,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425/document/13499#c-4-21"}],"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 at any time during the term by giving 7 days’ written notice. The insurer refunds proportionate premium for the unexpired period for terms up to one year if no claim was made, and refunds premium for unexpired policy years for terms over 1 year where risk coverage has not commenced; no refund is made if any claim has been admitted or lodged or any benefit availed.","display":"7 days’ notice; proportionate premium for unexpired policy period if no claim, with no refund where any claim has been admitted or lodged or any benefit availed","note":null,"quote":"The policyholder may cancel his/her policy at any time during the term, by giving 7 days’ notice in writing. ... refund proportionate premium for unexpired policy period, if the term of policy up to one year and there is no claim (s) made during the policy period. ... refund premium for the unexpired policy period, in respect of policies with term more than 1 year and risk coverage for such policy years has not commenced Notwithstanding anything contained herein or otherwise, no refunds of premium shall be made in respect of Cancellation where, any claim has been admitted or has been lodged or any benefit has been availed by the insured person under the policy","sources":[{"clause":"5.6","heading":"Cancellation / Contract termination","page":20,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425/document/13499#c-5-6"},{"clause":"5.6(a)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425/document/13499#c-5-6-a"},{"clause":"5.6(b)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425/document/13499#c-5-6-b"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"The geographical scope is worldwide, but the cover is available only for Indian citizens and Indian residents, and claims are settled in India in Indian Rupees only.","display":"worldwide; claims settled in India in Indian Rupees only","note":null,"quote":"The cover is available for Indian citizens and Indian residents only. Persons of Indian origin but resident of other countries or non-resident Indians (NRI) or OCI are not eligible to take this Policy. The geographical scope of this policy will be worldwide; however the claims shall be settled in India in Indian Rupees only.","sources":[{"clause":"5.12","heading":"Territorial limits","page":22,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425/document/13499#c-5-12"}],"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":"conflicting","value":{"unit":"days","amount":30},"display":"30 days","note":"Policy wording says 30 days. Prospectus also contains a later free-look clause saying: 'free look period of fifteen days from date of receipt of the policy document'.","quote":"A period of 30 days (from the date of receipt of the policy document) is available to the policyholder to review the terms and conditions of the policy.","sources":[{"clause":"5.8","heading":"Free Look Period","page":21,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425/document/13499#c-5-8"},{"clause":"26","heading":"WHAT IS FREE LOOK PERIOD?","page":9,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425/document/13519#c-26"}],"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 single premium","note":"The general definition says fifteen days for monthly premium payment mode and thirty days in all other cases; this policy's renewal clause states 30 days for single premium.","quote":"At the end of the policy period, the policy shall terminate and can be renewed (if there is no claim in expiring policy) within the Grace Period of 30 days for single premium to maintain continuity of benefits without break in policy. ... The grace period for payment of the premium for all types of insurance policies shall be: fifteen days where premium payment mode is monthly and thirty days in all other cases.","sources":[{"clause":"5.7","heading":"Policy renewal","page":20,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425/document/13499#c-5-7"},{"clause":"2.6","heading":"GRACE PERIOD","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425/document/13499#c-2-6"}],"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":"quote-verified","value":"Entry age is between 18 years and 65 years.","display":"18 years and 65 years","note":null,"quote":"This insurance is available to persons between the age of 18 years and 65 years.","sources":[{"clause":"1","heading":"WHO CAN TAKE THIS POLICY?","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425/document/13519#c-1"}],"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":["full premium in advance"],"display":"full premium in advance","note":null,"quote":"This is a contract of insurance between the Company and the Policyholder which is subject to the realization of the full premium in advance and the terms, conditions and exclusions to this Policy.","sources":[{"clause":"1","heading":"PREAMBLE","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425/document/13499#c-1"}],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"quote-verified","value":"Coverage is not available during the grace period for which no premium is received.","display":"Coverage is not available during the period for which no premium is received","note":null,"quote":"Coverage is not available during the period for which no premium is received.","sources":[{"clause":"2.6","heading":"GRACE PERIOD","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425/document/13499#c-2-6"}],"law":[]},{"key":"illness_count","label":"Number of illnesses covered","section":"Cover","meaning":"How many critical illnesses are listed. The definitions matter more than the count.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"illness_list","label":"Illnesses covered","section":"Cover","meaning":"The listed illnesses. Standard definitions are set by IRDAI.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"payout","label":"Payout","section":"Cover","meaning":"Lump sum on diagnosis, staged payouts by severity, or reimbursement.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"survival_period","label":"Survival period","section":"Waiting periods","meaning":"Days you must survive after diagnosis before the money is paid.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"multiple_claims","label":"Multiple claims","section":"Cover","meaning":"Whether you can claim for more than one illness.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"ped_waiting","label":"Pre-existing conditions","section":"Waiting periods","meaning":"Whether an illness you already had can ever be claimed: after a waiting period, or never.","status":"not-applicable","value":null,"display":null,"note":"This critical illness policy excludes pre-existing conditions instead of covering them after a waiting period.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]}],"documents":[{"kind":"wording","label":"Policy Clause New India Criti Protect Policy","pages":29,"fetched_at":"2026-10-17 19:53:01+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/health/new-india-criti-protect-policy/Policy_Clause_New_India_Criti_Protect_Policy.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425/document/13499"},{"kind":"prospectus","label":"Prospectus New India Criti Protect Policy","pages":10,"fetched_at":"2026-10-17 19:53:48+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/health/new-india-criti-protect-policy/Prospectus_New_India_Criti_Protect_Policy_NC_%20wef%2001%2010%202024.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425/document/13519"},{"kind":"cis","label":"CIS New India Criti Protect Policy","pages":3,"fetched_at":"2026-10-17 19:52:45+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/health/new-india-criti-protect-policy/customer%20infomation%20sheet%20New%20india%20criti%20protect.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425/document/13492"},{"kind":"brochure","label":"Policy Brochure","pages":2,"fetched_at":"2026-10-17 19:51:58+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/health/new-india-criti-protect-policy/1%20Criti%20Protect%20Pamphlet.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425/document/13477"},{"kind":"premium","label":"Premium Chart New India Criti Protect Policy","pages":null,"fetched_at":"2026-10-17 19:51:48+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/health/new-india-criti-protect-policy/premium%20chart%20New_India_Criti_Protect_Policy_NC.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425/document/30482"},{"kind":"proposal","label":"Proposal Form New India Criti Protect Policy","pages":null,"fetched_at":"2026-10-17 19:52:49+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/health/new-india-criti-protect-policy/Proposal_Form_New_India_Criti_Protect_Policy_NC_%20WEF%2001%20OCT%202024.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425/document/30491"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"New India Assurance official website","url":"https://www.newindia.co.in/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"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.newindia.co.in/grievance","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":"New India Criti Protect Policy (UIN NIAHLIP25038V022425), IndiaInsurances, https://indiainsurances.com/policy/new-india-assurance/new-india-criti-protect-policy-niahlip25038v022425"}