{"uin":"NIAHLIP25044V022425","name":"Arogya Sanjeevani Policy (Cashless facility available)","url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425","insurer":{"slug":"new-india-assurance","name":"The New India Assurance Company Limited","url":"https://indiainsurances.com/insurer/new-india-assurance"},"line":"health","category":"health-indemnity","category_name":"Health insurance (hospitalisation)","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Arogya Sanjeevani Policy, The New India Assurance Co. Ltd is a one-year indemnity health policy available on individual or floater basis with sum insured from Rs. 50,000 to Ten Lakhs. It has a 30-day initial illness waiting period, 36-month pre-existing disease waiting period, 5% co-pay, room rent limit of 2% of sum insured up to Rs.5000/- per day, and ICU limit of 5% of sum insured up to Rs.10,000/- per day.","analysis":{"state":"machine","analysed_at":"2026-10-19 21:56:47.638804+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Individual","Floater"],"display":"Individual/ Floater","note":null,"quote":"Product Type | Individual/ Floater","sources":[{"clause":null,"heading":"12. TABLE OF BENEFITS","page":21,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-12-table-of-benefits"}],"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":"1 year","display":"1 year","note":null,"quote":"Policy Period | 1 year","sources":[{"clause":null,"heading":"12. TABLE OF BENEFITS","page":21,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-12-table-of-benefits"}],"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 emergency hospitalisation, notice with full particulars must be sent within 24hours from the date of emergency hospitalization required or before discharge, whichever is earlier. For planned hospitalisation, notice must be sent at least 48 hours before admission.","display":"Emergency: within 24hours or before discharge, whichever is earlier; planned: at least 48 hours prior to admission","note":null,"quote":"Notice with full particulars shall be sent to the Company/TPA (if applicable) as under: ... a) Within 24hours from the date of emergency hospitalization required or before the Insured Person’s discharge from Hospital, whichever is earlier. ... b) At least 48 hours prior to admission in Hospital in case of a planned Hospitalization.","sources":[{"clause":null,"heading":"9.3 Notification of Claim","page":14,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-9-3-notification-of-claim"},{"clause":"Excl18(a)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-excl18-a-4"},{"clause":"Excl18(b)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-excl18-b-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 surgical cases).","Sticker/Invoice of the Implants, wherever applicable.","MLR (Medico Legal Report copy if carried out and FIR (First information report) if registered, where ever applicable.","NEFTDetails (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, admission prescription, original itemised bills, receipts, discharge summary, test reports, OT notes, implant invoice, MLR/FIR if applicable, NEFT/cancelled cheque, KYC above Rs 1 Lakh, legal heir certificate if applicable, and any other relevant document","note":null,"quote":"a) Duly Completed claim form ... b) Photo Identity proof of the patient ... c) Medical practitioner’s prescription advising admission ... d) Original bills with itemized break-up ... e) Payment receipts ... f) Discharge summary including complete medical history of the patient along with other details. ... g) Investigation/ Diagnostic test reports etc. supported by the prescription from attending medical practitioner ... h) OT notes or Surgeon’s certificate giving details of the operation performed (for surgical cases). ... i) Sticker/Invoice of the Implants, wherever applicable. ... j) MLR (Medico Legal Report copy if carried out and FIR (First information report) if registered, where ever applicable. ... k) NEFTDetails (to enable direct credit of claim amount in bank account) and cancelled cheque ... l) KYC (Identity proof with Address) of the proposer, where claim liability is above Rs 1 Lakh as per AML Guidelines ... m) Legal heir/succession certificate, wherever applicable ... n) Any other relevant document required by Company/TPA for assessment of the claim.","sources":[{"clause":"Excl18(a)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-excl18-a-5"},{"clause":"Excl18(b)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-excl18-b-5"},{"clause":"Excl18(c)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-excl18-c-3"},{"clause":"Excl18(d)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-excl18-d-2"},{"clause":"Excl18(e)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-excl18-e-2"},{"clause":"Excl18(f)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-excl18-f-2"},{"clause":"Excl18(g)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-excl18-g"},{"clause":"Excl18(h)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-excl18-h"},{"clause":"Excl18(i)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-excl18-i"},{"clause":"Excl18(j)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-excl18-j"},{"clause":"Excl18(k)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-excl18-k"},{"clause":"Excl18(l)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-excl18-l"},{"clause":"Excl18(m)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-excl18-m"},{"clause":"Excl18(n)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-excl18-n"}],"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 bank rate","note":null,"quote":"a) Settlement of claims (other than cashless) shall be settled within fifteen days from submission of claim. ... b) In the case of delay in the payment of a claim, the Company shall be liable to pay interest 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":"Excl18(a)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-excl18-a-7"},{"clause":"Excl18(b)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-excl18-b-7"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"For grievance relating to servicing the policy, the insured person may submit in writing to the policy issuing office or regional office. The policy also gives links for the grievance officer, IRDAI IGMS and Insurance Ombudsman.","display":"Write to the Policy issuing office or regional office first; grievance officer/IGMS/Ombudsman details are also given","note":null,"quote":"Grievance–In case of any grievance relating to servicing the Policy, the insured person may submit in writing to the Policy issuing office or regional office for redressed.\nFor details of grievance officer - https://www.newindia.co.in/portal/readMore/Grievances\nIRDAI Integrated Grievance Management System - https://igms.irda.gov.in/\nInsurance Ombudsman –The insured person may also approach the office of Insurance Ombudsman of the respective area/region for redressal of grievance.","sources":[{"clause":null,"heading":"11. REDRESSAL OF GRIEVANCE","page":20,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-11-redressal-of-grievance"}],"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":"You can choose any Sum Insured ranging from Rs. 50,000 to Ten Lakhs in multiples of 50,000.","display":"Rs. 50,000 to Ten Lakhs, in multiples of 50,000","note":null,"quote":"You are free to choose any Sum Insured ranging from Rs. 50,000 to Ten Lakhs (in multiples of 50,000).","sources":[{"clause":"15","heading":"WHAT SUM INSURED SHOULD I CHOOSE?","page":3,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13398#c-15"}],"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":"Does not apply to accident claims; also not applicable if the insured person has Continuous Coverage for more than twelve months.","quote":"a) 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.","sources":[{"clause":"Excl03","heading":"First Thirty Days Waiting Period (Code- Excl03)","page":10,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-excl03"}],"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":"A table in the policy wording says 4 years, but the waiting-period clause, prospectus and CIS state 36 months.","quote":"a) 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 us. ... Pre Existing Disease | Only PEDs declared in the Proposal Form and accepted for coverage by the company shall be covered after a waiting period of 4 years","sources":[{"clause":"6.1","heading":"Pre-Existing Diseases (Code- Excl01)","page":9,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-6-1"},{"clause":null,"heading":"12. TABLE OF BENEFITS","page":21,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-12-table-of-benefits"}],"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":"36 months applies to treatment for joint replacement unless arising from accident, and age-related Osteoarthritis & Osteoporosis.","quote":"Expenses related to the treatment of the following listed conditions, surgeries/treatments shall be excluded until the expiry of 24/36 months of continuous coverage ... i) 24 Months waiting period ... (ii) 36 Months waiting period\n1. Treatment for joint replacement unless arising from accident\n2. Age-related Osteoarthritis & Osteoporosis","sources":[{"clause":"6.2","heading":"Specific Waiting Period: (Code- Excl02)","page":10,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-6-2"},{"clause":"20","heading":"Internal Congenital Anomalies","page":10,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-20"}],"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":"Moratorium applies to the sums insured of the first policy; enhanced sums insured need sixty continuous months from the date of enhancement.","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":"Excl18(c)","heading":"Biological attack or weapons","page":13,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-excl18-c"}],"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":"You can port the policy to other insurers by applying at least 30 days before, but not earlier than 60 days from, the renewal date. If continuously covered without lapses, credit can transfer for sum insured, no-claim bonus, specific waiting period, pre-existing diseases and moratorium period.","display":"Yes; apply at-least 30 days before but not earlier than 60 days from renewal date, with transfer of credits","note":null,"quote":"You 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. If policyholder is presently covered and has been continuously covered without any lapses under any Health Insurance policy with an Indian General or Health Insurer, then policyholder can transfer the credit gained to the extent of the sum insured, no claim bonus, specific waiting period for pre-existing diseases, moratorium period etc. from the existing insurer to the acquiring insurer in the previous policy.","sources":[{"clause":"Excl18(c)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-excl18-c-8"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"quote-verified","value":true,"display":"Yes, no age limit for renewal","note":null,"quote":"No. Your Policy can be renewed, as long as You pay the Renewal Premium before the date of expiry of the Policy. There is an age limit for taking a fresh Policy, but there is no age limit for renewal.","sources":[{"clause":"22","heading":"IS THERE AN AGE LIMIT UPTO WHICH THE POLICY WOULD BE RENEWED?","page":5,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13398#c-22"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"quote-verified","value":"No loading applies on renewals based on individual claims experience.","display":"No loading based on individual claims experience","note":null,"quote":"v) No loading shall apply on renewals based on individual claims experience.","sources":[{"clause":null,"heading":"10.15 Renewal of Policy","page":18,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-10-15-renewal-of-policy"}],"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":["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 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 reasons. (Code- Excl13)","Dietary supplements and substances that can be purchased without prescription, including butnot limited to Vitamins, minerals and organic substances unless prescribed by a medical practitioner as part of hospitalization claim or day care procedure (Code- Excl14)","Refractive Error:(Code- Excl15)","Unproven Treatments:(Code- Excl16)","Sterility and Infertility: (Code- Excl17)","Maternity Expenses (Code - Excl18)","War (whether declared or not) and war like occurrence","Nuclear, chemical or biological attack or weapons","Any expenses incurred on Domiciliary Hospitalization and OPD treatment","Treatment taken outside the geographical limits of India","existing diseases, disclosed by the insured and mentioned in the policy schedule"],"display":"Permanent exclusions include Excl04 to Excl18, war, nuclear/chemical/biological attack, domiciliary hospitalisation and OPD, treatment outside India, and specified disclosed existing diseases/ICD codes","note":null,"quote":"Excl04 Investigation & Evaluation (Code- Excl04) ... Excl05 Rest Cure, rehabilitation and respite care ... Excl06 Obesity/ Weight Control (Code- Excl06) ... Excl07 Change-of-Gender treatments: (Code- Excl07) ... Excl08 Cosmetic or plastic Surgery: (Code- Excl08) ... Excl09 Hazardous or Adventure sports: (Code- Excl09) ... Excl10 Breach of law: (Code- Excl10) ... Excl11 Excluded Providers: (Code-Excl11) ... Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. (Code- Excl12) 7.10 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 reasons. (Code- Excl13)\n7.11 Dietary supplements and substances that can be purchased without prescription, including butnot limited to Vitamins, minerals and organic substances unless prescribed by a medical practitioner as part of hospitalization claim or day care procedure (Code- Excl14) ... Excl15 Refractive Error:(Code- Excl15) ... Excl16 Unproven Treatments:(Code- Excl16) ... Excl17 Sterility and Infertility: (Code- Excl17) ... Maternity Expenses (Code - Excl18) ... 7.16 War (whether declared or not) and war like occurrence ... 7.17 Nuclear, chemical or biological attack or weapons ... 7.18 Any expenses incurred on Domiciliary Hospitalization and OPD treatment\n7.19 Treatment taken outside the geographical limits of India\n7.20 In respect of the existing diseases, disclosed by the insured and mentioned in the policy schedule","sources":[{"clause":"Excl04","heading":"Investigation & Evaluation (Code- Excl04)","page":11,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-excl04"},{"clause":"Excl05","heading":"Rest Cure, rehabilitation and respite care","page":11,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-excl05"},{"clause":"Excl06","heading":"Obesity/ Weight Control (Code- Excl06) Expenses related to the surgical treatment of","page":11,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-excl06"},{"clause":"Excl07","heading":"Change-of-Gender treatments: (Code- Excl07)","page":11,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-excl07"},{"clause":"Excl08","heading":"Cosmetic or plastic Surgery: (Code- Excl08)","page":11,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-excl08"},{"clause":"Excl09","heading":"Hazardous or Adventure sports: (Code- Excl09)","page":11,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-excl09"},{"clause":"Excl10","heading":"Breach of law: (Code- Excl10)","page":12,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-excl10"},{"clause":"Excl11","heading":"Excluded Providers: (Code-Excl11)","page":12,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-excl11"},{"clause":"Excl15","heading":"Refractive Error:(Code- Excl15)","page":12,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-excl15"},{"clause":"Excl16","heading":"Unproven Treatments:(Code- Excl16)","page":12,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-excl16"},{"clause":"Excl17","heading":"Sterility and Infertility: (Code- Excl17)","page":12,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-excl17"},{"clause":"Excl18","heading":"Maternity Expenses (Code - Excl18)","page":12,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-excl18"},{"clause":"Excl18(b)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-excl18-b"},{"clause":"Excl18(c)","heading":"Biological attack or weapons","page":13,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-excl18-c"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The policyholder may cancel by giving 7 days’ written notice. For policies up to one year, the insurer refunds proportionate premium for the unexpired period if no claim is made; no refund is made where any claim has been admitted or lodged or any benefit availed.","display":"7 days’ written notice; proportionate unexpired premium if no claim; no refund if a claim is admitted, lodged or any benefit availed","note":"For policies with term more than 1 year, the policy says refund applies for unexpired policy period where risk coverage for such policy years has not commenced.","quote":"The policyholder may cancel his/her policy at any time during the term, by giving 7 days’ notice in writing. The Insurer shall ... a) Refund proportionate premium for unexpired policy period, if the term of policy up to one year andthere is no claim (s) made during the 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":null,"heading":"10.10 Cancellation","page":17,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-10-10-cancellation"},{"clause":"Excl18(a)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-excl18-a-12"},{"clause":"Excl18(b)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-excl18-b-12"}],"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 this insurance has to 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":null,"heading":"10.7 Territorial Limit","page":16,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-10-7-territorial-limit"}],"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":"30 days","note":"Applicable on new individual health insurance policies, except policies of less than a year, renewals, or porting/migration.","quote":"The insured person shall be allowed free look period of thirty days from date of receipt of the policy document to review the terms and conditions of the policy, and to return the same if not acceptable.\nA 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":null,"heading":"10.19 Free look period","page":19,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-10-19-free-look-period"}],"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":15},"display":"15 days where premium payment mode is monthly and 30 days in all other cases","note":"The table of benefits states yearly payment gets 30 days and all other modes get 15 days, while the definition states monthly 15 days and all other cases 30 days.","quote":"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":"3.21","heading":"Grace Period","page":3,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-3-21"}],"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":"The policy can be availed by persons between 18 years and 65years as proposer. Dependent children can be covered between 3 months and 25 years, and a proposer above 65 can obtain a policy for family without covering self.","display":"Proposer: 18 years to 65years; dependent children: 3 months to 25 years","note":"If the child above 18 years of age is financially independent, he or she is ineligible for coverage in subsequent renewals.","quote":"Policy can be availed by persons between the age of 18 years and 65years, as Proposer. Proposer with higher age can obtain policy for family, without covering self. Policy can be availed for Self and the following family members i. Legally wedded spouse. ii. Parents and Parents-in-law. iii. Dependent Children (i.e. natural or legally adopted) between the age 3 months to 25 years.","sources":[{"clause":null,"heading":"12. TABLE OF BENEFITS","page":21,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-12-table-of-benefits"}],"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":["Yearly","Half Yearly","Quarterly","Monthly"],"display":"Yearly, Half Yearly, Quarterly or Monthly","note":null,"quote":"For Yearly payment of mode, a fixed period of 30 days is to be allowed as Grace Period ... If the insured person has opted for Payment of Premium on an installment basis i.e. Half Yearly, Quarterly or Monthly, as mentioned in Your Policy Schedule/Certificate of Insurance","sources":[{"clause":null,"heading":"12. TABLE OF BENEFITS","page":21,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-12-table-of-benefits"},{"clause":null,"heading":"10.16 Premium Payment in Installments","page":19,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-10-16-premium-payment-in-installments"}],"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 period for which no premium is received. However, if premium is paid in installment mode, coverage will be available during grace period.","display":"Not available during unpaid renewal grace; available during installment grace period","note":null,"quote":"Coverage is not available during the period for which no premium is received. ... b) If the Premium is paid in installment mode, then the coverage will be available during grace period.","sources":[{"clause":"3.21","heading":"Grace Period","page":3,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-3-21"},{"clause":"Excl18(b)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-excl18-b-15"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for the hospital room, or the room category allowed. 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Deductible/ Any Other limit as applicable | Not applicable","sources":[{"clause":"Row 8","heading":"Financial Limit of Coverage","page":2,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13394#c-row-8"}],"law":[]},{"key":"disease_sublimits","label":"Disease or procedure sub-limits","section":"Limits and co-pay","meaning":"Caps on what is paid for named treatments (cataract, knee replacement...), even if the sum insured is higher.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"pre_hospitalisation","label":"Pre-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days before admission that are paid if related to the hospitalisation.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days prior to the date of admissible hospitalization","note":null,"quote":"The company shall indemnify pre-hospitalization medical expenses incurred, related to an admissible hospitalization requiring inpatient care, for a fixed period of 30 days prior to the date of admissible hospitalization covered under the policy.","sources":[{"clause":"4.4","heading":"Pre Hospitalization","page":8,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-4-4"}],"law":[]},{"key":"post_hospitalisation","label":"Post-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days after discharge that are paid if related to the hospitalisation.","status":"quote-verified","value":{"unit":"days","amount":60},"display":"60 days from the date of discharge","note":null,"quote":"The company shall indemnify post hospitalization medical expenses incurred, related to an admissible hospitalization requiring inpatient care, for a fixed period of 60 days from the date of discharge from the hospital, following an admissible hospitalization covered under the policy.","sources":[{"clause":"4.5","heading":"Post Hospitalisation","page":8,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-4-5"}],"law":[]},{"key":"day_care","label":"Day-care treatments","section":"Cover","meaning":"Treatments needing less than 24 hours in hospital (chemotherapy, dialysis, cataract) and whether all or only listed ones are covered.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"domiciliary","label":"Treatment at home","section":"Cover","meaning":"Whether treatment at home is covered when hospital admission is not possible or a doctor advises it.","status":"quote-verified","value":"Domiciliary hospitalisation is excluded.","display":"Excluded","note":null,"quote":"7.18 Any expenses incurred on Domiciliary Hospitalization and OPD treatment","sources":[{"clause":"Excl18(c)","heading":"Biological attack or weapons","page":13,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-excl18-c"}],"law":[]},{"key":"ayush","label":"AYUSH treatment","section":"Cover","meaning":"Ayurveda, Yoga, Unani, Siddha and Homeopathy treatment in a recognised hospital, and any limit.","status":"quote-verified","value":"Inpatient care treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems is covered up to 100% of Sum Insured during each policy year.","display":"Covered up to 100% of Sum Insured","note":null,"quote":"Expenses incurred for inpatient care treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems of medicines is covered up to 100% of Sum Insured, during each policy year as specified in the policy schedule.","sources":[{"clause":"4.2","heading":"COVERAGE UNDER AYUSH TREATMENT","page":8,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-4-2"}],"law":[{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 1","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 2","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 1","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II A.I(1)","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"modern_treatments","label":"Modern treatments","section":"Cover","meaning":"Robotic surgery, immunotherapy, oral chemotherapy, stem cell therapy and the like, and any cap on them.","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 2","url":"https://indiainsurances.com/law/irdai-health-mc-2024"}]},{"key":"organ_donor","label":"Organ donor expenses","section":"Cover","meaning":"Whether the donor's hospital costs for an organ transplant are paid.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"ambulance","label":"Ambulance cover","section":"Cover","meaning":"Road (and air) ambulance cover and its limit.","status":"quote-verified","value":"Road ambulance expenses are covered subject to a maximum of Rs.2000/- per hospitalisation.","display":"Road Ambulance up to Rs.2000/- per hospitalisation","note":null,"quote":"e) Expenses incurred on road Ambulance subject to a maximum of Rs.2000/- per hospitalisation.","sources":[{"clause":"4.1.1","heading":"Other expenses","page":7,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-4-1-1"}],"law":[]},{"key":"restoration","label":"Restoration of sum insured","section":"Cover","meaning":"Whether the sum insured is refilled after it is used up in a year, how much, how often, and whether it works for the same illness.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"no_claim_bonus","label":"No-claim or cumulative bonus","section":"Cover","meaning":"How much the cover grows each year, the maximum, whether it depends on not claiming, and what happens after a claim.","status":"quote-verified","value":"Cumulative Bonus increases by 5% for each claim free policy year, subject to a maximum of 50% of the sum insured under the current policy year. If a claim is made, the cumulative bonus accrued is reduced at the same rate at which it accrued, but the sum insured is maintained.","display":"5% each claim-free year, maximum 50% of SI; reduced at same rate after a claim","note":null,"quote":"Cumulative Bonus will be increased by 5% in respect of each claim free policy year (where no claims are reported), provided the policy is renewed with the company without a break subject to maximum of 50% of the sum insured under the current policy year. If a claim is made in any particular year, the cumulative bonus accrued shall be reduced at the same rate at which it has accrued. However, sum insured will be maintained and will not be reduced in the policy year.","sources":[{"clause":"5","heading":"Cumulative Bonus (CB)","page":9,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-5"}],"law":[]},{"key":"consumables","label":"Consumables and non-medical items","section":"Cover","meaning":"Gloves, PPE, syringes and other items hospitals bill that standard policies exclude; whether this policy pays them.","status":"quote-verified","value":"Items in List-I are not covered. The policy also says List-II, List-III and List-IV items are to be subsumed into room charges, procedure charges or costs of treatment.","display":"List-I items not covered; List-II to IV items subsumed into room/procedure/treatment costs","note":null,"quote":"The expenses that are not covered in this policy are placed under List-I of Annexure-A. The list of expenses that are to be subsumed into room charges, or procedure charges or costs of treatment are placed under List-II, List-III and List-IV of Annexure-A respectively. ... List I – Items for which coverage is not available in the policy ... 56 | GLOVES ... List II – Items that are to be subsumed into Room Charges ... List III – Items that are to be subsumed into Procedure Charges ... List IV – Items that are to be subsumed into costs of treatment","sources":[{"clause":"4.7","heading":null,"page":8,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-4-7"},{"clause":"Annexure A","heading":null,"page":21,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-annexure-a"},{"clause":null,"heading":"List II – Items that are to be subsumed into Room Charges","page":24,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-list-ii-items-that-are-to-be-subsumed-into-room"},{"clause":null,"heading":"List III – Items that are to be subsumed into Procedure Charges","page":25,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-list-iii-items-that-are-to-be-subsumed-into-proc"}],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Whether childbirth costs are covered, the limit and the waiting period.","status":"quote-verified","value":"Maternity expenses are excluded, including medical treatment expenses traceable to childbirth, except ectopic pregnancy, and expenses towards miscarriage unless due to an accident and lawful medical termination of pregnancy during the policy period.","display":"Excluded, except ectopic pregnancy; miscarriage only if due to accident","note":null,"quote":"Maternity Expenses (Code - Excl18) ... a) Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during hospitalization) except ectopic pregnancy; ... b) Expenses towards miscarriage (unless due to an accident) and lawful medical termination of pregnancy during the policy period.","sources":[{"clause":"Excl18","heading":"Maternity Expenses (Code - Excl18)","page":12,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-excl18"},{"clause":"Excl18(a)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-excl18-a"},{"clause":"Excl18(b)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-excl18-b"}],"law":[]},{"key":"newborn","label":"Newborn baby cover","section":"Cover","meaning":"Whether a newborn is covered from birth and for what.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"mental_illness","label":"Mental illness","section":"Cover","meaning":"Cover for in-patient treatment of mental illness.","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 3","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch III I","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(4)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 2(1)(s)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(1)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"}]},{"key":"health_checkup","label":"Health check-up","section":"Cover","meaning":"Free preventive check-ups and how often.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"opd","label":"Out-patient (OPD) cover","section":"Cover","meaning":"Doctor consultations, tests and medicines without admission, and the limit.","status":"quote-verified","value":"OPD treatment is excluded.","display":"Excluded","note":null,"quote":"7.18 Any expenses incurred on Domiciliary Hospitalization and OPD treatment","sources":[{"clause":"Excl18(c)","heading":"Biological attack or weapons","page":13,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-excl18-c"}],"law":[]},{"key":"zone_pricing","label":"Zone or city-based premium","section":"Premium","meaning":"Whether premium or co-pay depends on the city you are treated in.","status":"quote-verified","value":"The prospectus gives a 20% discount for policyholders residing in places other than specified cities/states/regions. It does not state a treatment-city based co-pay.","display":"Premium discount based on policyholder residence outside listed places; no treatment-city co-pay stated","note":null,"quote":"Discount of 20% will be applicable for Policyholders residing in places other than Greater Mumbai (includes Mira-Bhayandar, Thane, Navi Mumbai, Kalyan-Dombivli, Ulhasnagar, Ambarnath, Badlapur), entire State of Gujarat, Delhi NCR (includes Faridabad, Gurgaon, Mewat, Rohtak, Sonepat, Rewari, Jhajjhar, Panipat and Palwal, Meerut, Ghaziabad, Gautam Budha Nagar, Bulandshahr, and Baghpat, Alwar and NCT of Delhi), and cities namely Bengaluru, Chennai, Hyderabad, Secunderabad, Pune and Kolkata.","sources":[{"clause":null,"heading":"Monthly premium","page":18,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13398#c-monthly-premium-2"}],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"quote-verified","value":"Cashless facility is available at network providers subject to pre-authorization by the Company or its authorized TPA, with payments made directly to the network provider to the extent pre-authorization is approved.","display":"Available in network providers, subject to pre-authorization","note":null,"quote":"Cashless Facility means a facility extended by the insurer to the insured where the payments, of the costs of treatment undergone by the insured person in accordance with the Policy terms and conditions, are directly made to the network provider by the insurer to the extent pre- authorization is approved. ... a) Treatment may be taken in a network provider and is subject to pre authorization by the Company or its authorized TPA.","sources":[{"clause":"3.10","heading":"Cashless Facility","page":2,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-3-10"},{"clause":"Excl18(a)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-excl18-a-3"}],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"quote-verified","value":"Claims may be handled by the Company or its authorized TPA. Where a TPA is involved, it may service claims through pre-authorization or processing, but its services do not include claim settlement and claim rejection.","display":"Company or authorized TPA; TPA services exclude claim settlement and rejection","note":null,"quote":"b) Cashless request form available with the network provider and TPA shall be completed and sent to the Company/TPA for authorization. ... For reimbursement of claims the insured person may submit the necessary documents to TPA (if applicable)/Company ... Servicing of claims, i.e., claim admissions and assessments, under this Policy by way of pre-authorization of cashless treatment or processing of claims other than cashless claims or both, as per the underlying terms and conditions of the policy. ... a) Claim settlement and claim rejection;","sources":[{"clause":"Excl18(b)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-excl18-b-3"},{"clause":"Excl18(f)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-excl18-f"},{"clause":null,"heading":"9.7 Services Offered by TPA (To be stated where TPA is involved)","page":15,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-9-7-services-offered-by-tpa-to-be-stated-where-t"},{"clause":"Excl18(a)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403#c-excl18-a-8"}],"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, Floater Sum Insured available","note":null,"quote":"2. Floater Sum Insured: Minimum 2 members and Maximum 10 members can be covered under the Floater Policy.","sources":[{"clause":"2","heading":"CAN I COVER MY FAMILY MEMBERS IN ONE POLICY?","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13398#c-2"}],"law":[]}],"documents":[{"kind":"wording","label":"Policy Clause Arogya Sanjeevani Policy","pages":33,"fetched_at":"2026-10-17 19:49:16+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/health/arogya-sanjeevani/POLICY%20CLAUSES%20Arogya%20Sanjeevani.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13403"},{"kind":"prospectus","label":"Prospectus Arogya Sanjeevani Policy","pages":19,"fetched_at":"2026-10-17 19:49:20+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/health/arogya-sanjeevani/Prospectus%20Arogya%20Sanjeevani%20Policy.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13398"},{"kind":"cis","label":"CIS Arogya Sanjeevani Policy","pages":3,"fetched_at":"2026-10-17 19:49:15+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/health/arogya-sanjeevani/Customer%20Information%20Sheet%20AROGYA%20SANJEEVANI%20POLICY.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/13394"},{"kind":"premium","label":"Premium Chart Arogya Sanjeevani Premium Chart","pages":null,"fetched_at":"2026-10-17 19:49:21+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/health/arogya-sanjeevani/Arogya%20Sanjeevani%20Premium%20Chart.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/30451"},{"kind":"proposal","label":"Proposal Form Arogya Sanjeevani Policy","pages":null,"fetched_at":"2026-10-17 19:49:19+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/health/arogya-sanjeevani/Proposal%20form%20%20New%20India%20Arogya%20sanjeevani%20policy.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/30450"},{"kind":"claim-form","label":"Claim Form","pages":null,"fetched_at":"2026-10-17 19:49:22+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/health/Claim_Form.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425/document/30452"}],"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":"Arogya Sanjeevani Policy (Cashless facility available) (UIN NIAHLIP25044V022425), IndiaInsurances, https://indiainsurances.com/policy/new-india-assurance/arogya-sanjeevani-policy-cashless-facility-available-niahlip25044v022425"}