{"uin":"NIAHLIP25045V032425","name":"Jan Arogya Bima Policy","url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425","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":"2013-11-01","withdrawn_on":null,"summary":"Jan Arogya Bima Policy is an indemnity health policy covering hospitalisation and domiciliary treatment in India. The sum insured is Rs. 5,000 per person, with 30 days pre-hospitalisation, 60 days post-hospitalisation and AYUSH inpatient cover up to 100% of the sum insured.","analysis":{"state":"machine","analysed_at":"2026-10-19 21:50:26.243877+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"One policy year as mentioned in the schedule.","display":"One policy year","note":null,"quote":"POLICY PERIOD means period of one policy year as mentioned in the schedule for which the Policy is issued","sources":[{"clause":"2.50","heading":"POLICY PERIOD","page":7,"url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/13468#c-2-50"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"conflicting","value":"For reimbursement claims, preliminary notice with claim particulars must be given within 7 days from the date of hospitalisation, and the final claim with documents must be submitted not later than 30 days of discharge.","display":"Within 7 days of hospitalisation; final claim within 30 days of discharge","note":"The higher document is the policy wording. Prospectus says: \"Within twenty four hours of Hospitalisation the TPA should be intimated.\"","quote":"Preliminary notice of claim with particulars relating to Policy Number, name of insured person in respect of whom claim is to be made, nature of Illness/Injury and Name and Address of the attending Medical Practitioner/Hospital should be given to the Company within 7 days from the date of Hospitalisation in respect of reimbursement claims. Final claim along with documents as listed below should be submitted to the Policy issuing Office not later than 30 days of discharge from the Hospital. ... Within twenty four hours of Hospitalisation the TPA should be intimated.","sources":[{"clause":"5.14","heading":"NOTICE OF CLAIM","page":18,"url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/13468#c-5-14"},{"clause":null,"heading":"4.8 HOW TO GET REIMBURSEMENTS IN CASE OF TREATMENT IN NON-NETWORK HOSPITALS OR DENIAL OF CASHLESS FACILITY?","page":9,"url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/13489#c-4-8-how-to-get-reimbursements-in-case-of-treatme"}],"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":["Bill, Receipt and Discharge certificate / card from the Hospital","Cash Memos from the Hospitals(s) / Chemists(s), supported by proper prescriptions","Receipt and Pathological test reports from Pathologist supported by the note from the attending Medical Practitioner / Surgeon","Surgeon's certificate stating nature of operation performed and Surgeons’ bill and receipt","Attending Doctor's/ Consultant's/ Specialist's / Anesthetist’s bill and receipt, and certificate regarding diagnosis","Certificate from attending Medical Practitioner / Surgeon that the patient is fully cured"],"display":"Hospital bills and discharge card, cash memos with prescriptions, test reports, surgeon's certificate and bills, doctors' bills and diagnosis certificate, and cure certificate","note":null,"quote":"a) Bill, Receipt and Discharge certificate / card from the Hospital.\nb) Cash Memos from the Hospitals(s) / Chemists(s), supported by proper prescriptions.\nc) Receipt and Pathological test reports from Pathologist supported by the note from the attending Medical Practitioner / Surgeon recommending such Pathological tests / pathological.\nd) Surgeon's certificate stating nature of operation performed and Surgeons’ bill and receipt.\ne) Attending Doctor's/ Consultant's/ Specialist's / Anesthetist’s bill and receipt, and certificate regarding diagnosis.\nf) Certificate from attending Medical Practitioner / Surgeon that the patient is fully cured.","sources":[{"clause":"5.14","heading":"NOTICE OF CLAIM","page":18,"url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/13468#c-5-14"}],"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":"Settlement of claims other than cashless shall be within fifteen days from submission of claim; delay attracts interest 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 2% above bank rate from last necessary document","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, We 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":"5.16","heading":"PAYMENT OF CLAIM","page":19,"url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/13468#c-5-16"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications until 36 months","Specific waiting period for listed conditions, surgeries / treatments until Ninety Days / 12 / 36 months","Expenses related to the treatment of any illness within 30 days from the first policy commencement date, except accident claims","Expenses related to any admission primarily for diagnostics and evaluation purposes","Expenses related to any admission primarily for enforced bed rest and not for receiving treatment","Expenses related to the surgical treatment of obesity that does not fulfil the stated conditions","Expenses related to any treatment, including surgical management, to change characteristics of the body to those of the opposite sex","Expenses for cosmetic or plastic surgery or any treatment to change appearance, unless within the stated exceptions","Expenses related to professional hazardous or adventure sports","Expenses for treatment directly arising from breach of law with criminal intent","Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof","Expenses related to any unproven treatment, services and supplies","Expenses related to sterility and infertility","Maternity expenses, except ectopic pregnancy and miscarriage due to accident","Treatment taken outside the geographical limits of India"],"display":"PED 36 months, listed conditions 90 days/12/36 months, first 30 days illness, diagnostics/evaluation, rest cure, obesity surgery outside conditions, change of gender, cosmetic surgery, professional adventure sports, breach of law, alcoholism/drug abuse, unproven treatments, sterility/infertility, maternity, and treatment outside India","note":null,"quote":"Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months ... Expenses related to the treatment of the following listed conditions, surgeries / treatments shall be excluded until the expiry of Ninety Days / 12 / 36 months ... 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 ... Expenses related to any admission primarily for diagnostics and evaluation purposes. ... Expenses related to any admission primarily for enforced bed rest and not for receiving treatment. ... Expenses related to the surgical treatment of obesity that does not fulfil all the below conditions: ... Expenses related to any treatment, including surgical management, to change characteristics of the body to those of the opposite sex. ... Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an Accident, Burn(s) or Cancer or as part of medically necessary treatment ... Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports ... Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent. ... Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. ... Expenses related to any unproven treatment, services and supplies for or in connection with any treatment. ... Expenses related to sterility and infertility. ... Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during hospitalization) except ectopic pregnancy; ... Expenses towards miscarriage (unless due to an accident) and lawful medical termination of pregnancy during the policy period. ... Treatment taken outside the geographical limits of India.","sources":[{"clause":"4.1","heading":"PRE-EXISTING DISEASES (Code- Excl01)","page":10,"url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/13468#c-4-1"},{"clause":"4.2","heading":"SPECIFIC WAITING PERIOD (Code- Excl02)","page":10,"url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/13468#c-4-2"},{"clause":"4.3","heading":"FIRST THIRTY DAYS WAITING PERIOD (Code- Excl03)","page":11,"url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/13468#c-4-3"},{"clause":"4.4.1","heading":"INVESTIGATION & EVALUATION (Code- Excl04)","page":11,"url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/13468#c-4-4-1"},{"clause":"4.4.2","heading":"REST CURE, REHABILITATION AND RESPITE CARE (Code- Excl05) Expenses related to","page":11,"url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/13468#c-4-4-2"},{"clause":"4.4.3","heading":"OBESITY/ WEIGHT CONTROL (Code- Excl06) Expenses related to the surgical","page":12,"url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/13468#c-4-4-3"},{"clause":"4.4.4","heading":"CHANGE-OF-GENDER TREATMENTS (Code- Excl07)","page":12,"url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/13468#c-4-4-4"},{"clause":"4.4.5","heading":"COSMETIC OR PLASTIC SURGERY (Code- Excl08)","page":12,"url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/13468#c-4-4-5"},{"clause":"4.4.6","heading":"HAZARDOUS OR ADVENTURE SPORTS (Code- Excl09)","page":12,"url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/13468#c-4-4-6"},{"clause":"4.4.7","heading":"BREACH OF LAW (Code- Excl10)","page":12,"url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/13468#c-4-4-7"},{"clause":"4.4.9","heading":"Treatment for, Alcoholism, drug or substance abuse or any addictive condition and","page":13,"url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/13468#c-4-4-9"},{"clause":"4.4.13","heading":"UNPROVEN TREATMENTS (Code- Excl16)","page":13,"url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/13468#c-4-4-13"},{"clause":"4.4.14","heading":"STERILITY AND INFERTILITY (Code- Excl17)","page":13,"url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/13468#c-4-4-14"},{"clause":"4.4.15","heading":"MATERNITY EXPENSES (Code - Excl18)","page":13,"url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/13468#c-4-4-15"},{"clause":"4.4.27","heading":null,"page":14,"url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/13468#c-4-4-27"}],"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":"The insured person may first contact the Grievance Cells at the company's Regional Offices; the policy also mentions the Insurance Ombudsman and a senior citizens email.","display":"Grievance Cells at Regional Offices of the Company","note":null,"quote":"In the event of Insured has any grievance relating to the insurance, the Insured Person may contact any of the Grievance Cells at Regional Offices of the Company or Office of the Insurance Ombudsman under the jurisdiction of which the Policy Issuing Office falls. ... Senior Citizens may write to seniorcitizencare.ho@newindia.co.in","sources":[{"clause":"5.6","heading":"GRIEVANCE REDRESSAL","page":16,"url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/13468#c-5-6"},{"clause":"Annexure II","heading":null,"page":16,"url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/13468#c-annexure-ii"}],"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":"The sum insured is Rs. 5,000 per person.","display":"Rs. 5,000 per person","note":null,"quote":"Company’s liabilities in respect of all claims admitted during the period of insurance shall not exceed the Sum Insured of Rs. 5,000 per person mentioned in the schedule)","sources":[{"clause":"1","heading":"Company’s liabilities in respect of all claims admitted during the period of insurance","page":10,"url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/13468#c-1-2"}],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":null,"quote":"Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered.","sources":[{"clause":"4.3","heading":"FIRST THIRTY DAYS WAITING PERIOD (Code- Excl03)","page":11,"url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/13468#c-4-3"}],"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":null,"quote":"Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first policy with us.","sources":[{"clause":"4.1","heading":"PRE-EXISTING DISEASES (Code- Excl01)","page":10,"url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/13468#c-4-1"}],"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":"days","amount":90},"display":"90 days","note":"Other specific waiting periods are 12 months and 36 months for the listed conditions.","quote":"Expenses related to the treatment of the following listed conditions, surgeries / treatments shall be excluded until the expiry of Ninety Days / 12 / 36 months of continuous coverage ... i) 90 Days Waiting Period\n1. Diabetes Mellitus\n2. Hypertension\n3. Cardiac Conditions\nii) 12 Months waiting period ... iii) 36 Months waiting period","sources":[{"clause":"4.2","heading":"SPECIFIC WAITING PERIOD (Code- Excl02)","page":10,"url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/13468#c-4-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"quote-verified","value":["Diabetes Mellitus","Hypertension","Cardiac Conditions","Cataract","Benign Prostatic Hypertrophy","Hysterectomy for Menorrhagia or Fibromyoma","Hernia","Hydrocele","Congenital Internal diseases","Fistula in anus, piles, Sinusitis and related disorders","Treatment of mental illness, stress or psychological disorders and neurodegenerative disorders","Age Related Macular Degeneration (ARMD)","Genetic diseases or disorders","External Congenital Diseases"],"display":"Diabetes Mellitus, Hypertension, Cardiac Conditions; Cataract, Benign Prostatic Hypertrophy, Hysterectomy, Hernia, Hydrocele, Congenital Internal diseases, Fistula/piles/Sinusitis; mental illness and neurodegenerative disorders, ARMD, genetic diseases or disorders, External Congenital Diseases","note":null,"quote":"i) 90 Days Waiting Period\n1. Diabetes Mellitus\n2. Hypertension\n3. Cardiac Conditions\nii) 12 Months waiting period\n1. Cataract\n2. Benign Prostatic Hypertrophy\n3. Hysterectomy for Menorrhagia or Fibromyoma\n4. Hernia\n5. Hydrocele\n6. Congenital Internal diseases\n7. Fistula in anus, piles, Sinusitis and related disorders\niii) 36 Months waiting period\n1. Treatment of mental illness, stress or psychological disorders and neurodegenerative disorders.\n2. Age Related Macular Degeneration (ARMD)\n3. Genetic diseases or disorders\n4. External Congenital Diseases","sources":[{"clause":"4.2","heading":"SPECIFIC WAITING PERIOD (Code- Excl02)","page":10,"url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/13468#c-4-2"}],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"quote-verified","value":{"unit":"months","amount":60},"display":"sixty continuous months","note":"For enhanced sums insured, sixty continuous months applies from the enhancement date 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":"5.8","heading":"MORATORIUM PERIOD: After completion of sixty continuous months of coverage (including","page":17,"url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/13468#c-5-8"}],"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 another insurer by applying at least 30 days before, but not earlier than 60 days from, the renewal date, and accrued continuity benefits in waiting periods are available if continuously covered without lapses.","display":"Portability available with waiting-period continuity credit","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 such person is presently covered and has been continuously covered without any lapses under any Health Insurance policy with an India General/Health Insurer, the proposed Insured person will get the accrued continuity benefits in waiting periods as per IRDAI guidelines on portability.","sources":[{"clause":"5.7","heading":"PORTABILITY & MIGRATION","page":16,"url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/13468#c-5-7"}],"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":"From the prospectus.","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":null,"heading":"4.9 WHAT IS CASHLESS HOSPITALIZATION?","page":10,"url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/13489#c-4-9-what-is-cashless-hospitalization"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"You may cancel by giving 7 days' written notice. For a policy term up to one year, proportionate premium for the unexpired policy period is refunded if no claim was made; no refund is made where any claim has been admitted or lodged or any benefit availed.","display":"7 days' notice; proportionate refund for unexpired period if no claim; no refund if a claim is admitted, lodged or 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. ... 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":"5.3","heading":"CANCELLATION","page":15,"url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/13468#c-5-3"},{"clause":"5.3(a)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/13468#c-5-3-a"},{"clause":"5.3(b)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/13468#c-5-3-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 policy covers treatment in India only; treatment outside the geographical limits of India is excluded.","display":"India only","note":null,"quote":"at any Hospital / Day Care Centre in India as herein defined as an Inpatient OR on domiciliary treatment in India ... Treatment taken outside the geographical limits of India.","sources":[{"clause":"3.1","heading":"COVERAGES: NOW THIS POLICY WITNESSETH that subject to the terms, conditions, exclusions","page":8,"url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/13468#c-3-1"},{"clause":"4.4.27","heading":null,"page":14,"url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/13468#c-4-4-27"}],"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":"Applies to new individual health insurance policies, except policies of less than a year, renewals or porting/migrating.","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":"5.5","heading":"FREE LOOK PERIOD","page":16,"url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/13468#c-5-5"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days; 15 days for monthly premium mode","note":"Fifteen days applies where premium payment mode is monthly; thirty days applies in all other cases.","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":"2.16","heading":"GRACE PERIOD","page":3,"url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/13468#c-2-16"}],"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":"Fresh insurance is available to persons aged 5 years to 70 years. Children aged 3 months to 5 years can be covered only if the parents are also covered.","display":"5 years to 70 years; children 3 months to 5 years only if parents are covered","note":"From the prospectus.","quote":"This Insurance is available to persons between the ages of 5 years to 70 years. Children between ages of 3 months to 5 years can be covered only if the parents are also covered under the policy.","sources":[{"clause":"7(I)(b)(iii)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/13489#c-7-i-b-iii"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"not-stated","value":null,"display":null,"note":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.","display":"No cover during the unpaid grace period","note":null,"quote":"Coverage is not available during the period for which no premium is received.","sources":[{"clause":"2.16","heading":"GRACE PERIOD","page":3,"url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/13468#c-2-16"}],"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. If you take a costlier room, other bills can be cut in proportion.","status":"not-stated","value":null,"display":null,"note":"The policy covers room rent as a head of expense, but no per-day room rent limit is stated.","quote":null,"sources":[],"law":[]},{"key":"room_category","label":"Room category allowed","section":"Limits and co-pay","meaning":"Shared room, single private room or any room, by plan, when the limit is a room type rather than a rupee amount.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"icu_limit","label":"ICU limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for intensive care.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"proportionate_deduction","label":"Proportionate deduction","section":"Limits and co-pay","meaning":"If you choose a room above your limit, whether the insurer reduces associated charges (doctor fees, tests, procedures) by the same proportion.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"copay","label":"Co-payment","section":"Limits and co-pay","meaning":"The share of every admissible claim you pay yourself, and when it applies (age, zone, choice of hospital).","status":"quote-verified","value":"Not applicable.","display":"Not Applicable","note":"From the Customer Information Sheet.","quote":"ii.Co-Payment/ Deductible/Any Other limit as applicable | Not Applicable","sources":[{"clause":null,"heading":"CUSTOMER INFORMATION SHEET/KNOW YOUR POLICY","page":2,"url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/13461#c-customer-information-sheet-know-your-policy-2"}],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"An amount of each claim or each year that you bear before the policy pays.","status":"quote-verified","value":"Not applicable.","display":"Not Applicable","note":"From the Customer Information Sheet.","quote":"ii.Co-Payment/ Deductible/Any Other limit as applicable | Not Applicable","sources":[{"clause":null,"heading":"CUSTOMER INFORMATION SHEET/KNOW YOUR POLICY","page":2,"url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/13461#c-customer-information-sheet-know-your-policy-2"}],"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","note":"Expenses must be for the same condition and the inpatient hospitalisation claim must be admissible.","quote":"PRE–HOSPITALISATION MEDICAL EXPENSES mean Medical Expenses incurred 30 days immediately before the Insured Person is Hospitalised","sources":[{"clause":"2.34","heading":"PRE–HOSPITALISATION MEDICAL EXPENSES mean Medical Expenses incurred 30 days","page":5,"url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/13468#c-2-34"}],"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","note":"Expenses must be for the same condition and the inpatient hospitalisation claim must be admissible.","quote":"POST-HOSPITALISATION MEDICAL EXPENSES mean Medical Expenses incurred 60 days immediately after the Insured Person is discharged from the Hospital","sources":[{"clause":"2.35","heading":"POST-HOSPITALISATION MEDICAL EXPENSES mean Medical Expenses incurred 60 days","page":6,"url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/13468#c-2-35"}],"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":"quote-verified","value":"Day care treatment is covered for medical treatment or surgery in a hospital or day care centre in less than 24 hours because of technological advancement, which would otherwise have required more than 24 hours hospitalisation. The policy also lists procedures that can be admitted for less than 24 hours, including Dialysis, Chemotherapy, Radiotherapy, Eye Surgery, Lithotripsy, D & C, Tonsillectomy and Dental Surgery.","display":"Covered for day care treatment needing less than 24 hours because of technological advancement","note":"Treatment normally taken on an out-patient basis is not included.","quote":"DAY CARE TREATMENT refers to medical treatment or Surgery which are:\n- Undertaken under General or Local Anesthesia in a Hospital/ Day Care Centre in less than 24 hours because of technological advancement, and\n- Which would have otherwise required a Hospitalization of more than 24 hours. ... HOSPITALISATION means admission in a Hospital for a minimum period of 24 in patient Care consecutive hours except for specified procedures/ treatments, where such admission could be for a period of less than 24consecutive hours.\nDialysis | Chemotherapy\nRadiotherapy | Eye Surgery\nLithotripsy (kidney stone removal) | D & C\nTonsillectomy | Dental Surgery","sources":[{"clause":null,"heading":"2.10DAY CARE TREATMENT","page":2,"url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/13468#c-2-10day-care-treatment"},{"clause":"2.18","heading":"HOSPITALISATION","page":4,"url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/13468#c-2-18"}],"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 covered in India when treatment would normally require hospital care but is taken at home because the patient cannot be moved to hospital or because no hospital room is available. Pre and post hospital treatment and the listed diseases are not covered under domiciliary hospitalisation.","display":"Covered when the patient cannot be moved to hospital or no hospital room is available","note":"Excluded domiciliary diseases include Asthma, Bronchitis, Diabetes, Epilepsy, Hypertension, psychiatric or psychosomatic disorders and the other diseases listed in clause 2.14(ii).","quote":"on domiciliary treatment in India under Domiciliary Hospitalisation Benefits ... Domiciliary Hospitalisation means medical treatment for an Illness/Injury which in the normal course would require care and treatment at a Hospital but is actually taken while confined at home under any of the following circumstances:\n- The condition of the patient is such that he/she is not in a condition to be removed to a Hospital, or\n- The patient takes treatment at home on account of non-availability of room in a Hospital. ... i) Expenses incurred for pre and post Hospital treatment ... ii) Expenses incurred for treatment for any of the following disease","sources":[{"clause":"3.1","heading":"COVERAGES: NOW THIS POLICY WITNESSETH that subject to the terms, conditions, exclusions","page":8,"url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/13468#c-3-1"},{"clause":"2.14","heading":"DOMICILIARY HOSPITALISATION: Domiciliary Hospitalisation","page":3,"url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/13468#c-2-14"},{"clause":"2.14(i)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/13468#c-2-14-i"},{"clause":"2.14(ii)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/13468#c-2-14-ii"}],"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 is covered up to 100% of the 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":"G","heading":"COVERAGE UNDER AYUSH TREATMENT","page":10,"url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/13468#c-g"}],"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":"quote-verified","value":"The listed modern treatments are covered where medically indicated, either as inpatient or day care treatment in a hospital, including uterine artery embolization and HIFU, balloon sinuplasty, deep brain stimulation, oral chemotherapy, immunotherapy, intravitreal injections, robotic surgeries, stereotactic radio surgeries, bronchial thermoplasty, vaporisation of the prostate, IONM and hematopoietic stem cell therapy for bone marrow transplant for haematological conditions.","display":"12 modern treatments covered as inpatient or day care treatment","note":null,"quote":"Coverage for Modern Treatments or Procedures: The following procedures will be covered (wherever medically indicated) either as in patient or as part of day care treatment in a hospital.\n1. Uterine Artery Embolization and HIFU (High intensity focused ultrasound)\n2. Balloon Sinuplasty.\n3. Deep Brain stimulation.\n4. Oral chemotherapy.\n5. Immunotherapy- Monoclonal Antibody to be given as injection.\n6. Intravitreal injections.\n7. Robotic surgeries.\n8. Stereotactic radio surgeries.\n9. Bronchial Thermoplasty.\n10. Vaporisation of the prostrate (Green laser treatment or holmium laser treatment).\n11. IONM - (Intra Operative Neuro Monitoring).\n12. Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered.","sources":[{"clause":null,"heading":"Exclusions","page":9,"url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/13468#c-exclusions"}],"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":"Ambulance charges are not covered.","display":"Not covered","note":null,"quote":"List I – Items for which coverage is not available in the policy ... 67 | AMBULANCE","sources":[{"clause":"Annexure I","heading":null,"page":20,"url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/13468#c-annexure-i"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"Cost of Pharmacy and Consumables is covered, but expenses not covered are placed under List-I, and other items are subsumed into room charges, procedure charges or costs of treatment. List-I includes items such as GLOVES, MASK and AMBULANCE.","display":"Consumables covered, but listed non-medical items are not covered or are subsumed","note":null,"quote":"C. Cost of Pharmacy and Consumables, Cost of Implants and Medical Devices and Cost of Diagnostics. ... The expenses that are not covered in this policy are placed under List-I of Annexure-I. 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-I respectively. ... List I – Items for which coverage is not available in the policy ... 56 | GLOVES ... 60 | MASK ... 67 | AMBULANCE","sources":[{"clause":"3.1","heading":"COVERAGES: NOW THIS POLICY WITNESSETH that subject to the terms, conditions, exclusions","page":8,"url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/13468#c-3-1"},{"clause":"5.17","heading":null,"page":19,"url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/13468#c-5-17"},{"clause":"Annexure I","heading":null,"page":20,"url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/13468#c-annexure-i"}],"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, except ectopic pregnancy; miscarriage is excluded unless due to an accident.","display":"Not covered, except ectopic pregnancy and miscarriage due to accident","note":null,"quote":"MATERNITY EXPENSES (Code - Excl18)\na) Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during hospitalization) except ectopic pregnancy;\nb) Expenses towards miscarriage (unless due to an accident) and lawful medical termination of pregnancy during the policy period.","sources":[{"clause":"4.4.15","heading":"MATERNITY EXPENSES (Code - Excl18)","page":13,"url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/13468#c-4-4-15"}],"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":"quote-verified","value":"Inpatient treatment of specified mental illness, stress or psychological disorders and neurodegenerative disorders is covered after 36 months, subject to hospitalisation as advised by the treating psychiatrist and treatment at a mental health establishment or hospital department for mental illness. Psychological counselling and psychotherapy not requiring hospitalisation are not covered.","display":"Covered after 36 months for specified inpatient cases","note":"The listed covered conditions are Major Depressive Disorder when aggressive or violent, acute psychotic conditions with the stated traits, schizophrenia psychotic episodes, and bipolar disorder manic phase. Injury due to suicidality is not covered.","quote":"Treatment of mental illness, stress or psychological disorders and neurodegenerative disorders: Our shall indemnify the Hospital or the Insured the Medical Expenses (including Pre and Post Hospitalisation Expenses) related to following and they are covered after a waiting period of 36 months. ... requiring Hospitalisation as per the treating Psychiatrist’s advice ... Treatment shall be undertaken at a Hospital categorized as Mental Health Establishment or at a Hospital with a specific department for Mental Illness, under a Medical Practitioner qualified as Mental Health Professional. ... Any kind of Psychological counselling, cognitive / family / group / behavior / palliative therapy or other kinds of psychotherapy for which Hospitalisation is not necessary shall not be covered.","sources":[{"clause":null,"heading":"7. Treatment of mental illness, stress or psychological disorders and","page":8,"url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/13468#c-7-treatment-of-mental-illness-stress-or-psycholo"},{"clause":null,"heading":"Condition","page":9,"url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/13468#c-condition"},{"clause":null,"heading":"Exclusions","page":9,"url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/13468#c-exclusions"}],"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 not covered; procedures or treatments usually done in out-patient department are not payable even if converted to inpatient for more than 24 hours.","display":"OPD not payable","note":null,"quote":"Note: Procedures/treatments usually done in out-patient department are not payable under the Policy even if converted as an in-patient in the Hospital for more than 24 hours.","sources":[{"clause":null,"heading":"Note","page":4,"url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/13468#c-note"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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 only in network hospitals; the TPA settles directly on the insurer's behalf, subject to prior approval and claim admissibility.","display":"Available only in Networked Hospitals","note":"From the prospectus.","quote":"Cashless facility is available only in Networked Hospitals. Prior approval is required from the TPA before the patient is admitted into the Network Hospital. ... The settlement is done directly by the TPA on Our behalf.","sources":[{"clause":null,"heading":"4.9 WHAT IS CASHLESS HOSPITALIZATION?","page":10,"url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/13489#c-4-9-what-is-cashless-hospitalization"}],"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 are handled by a Third Party Administrator (TPA), which provides cashless facility and settles reimbursement claims within the scope of the policy.","display":"Third Party Administrator (TPA)","note":"From the prospectus.","quote":"Third Party Administrator (TPA) is a service provider to facilitate service to You for providing Cashless facility for all hospitalizations that come under the scope of Your policy. The TPA also settles reimbursement claims within the scope of the Policy.","sources":[{"clause":null,"heading":"4.8 WHAT IS THIRD PARTY ADMINISTRATOR (TPA)?","page":10,"url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/13489#c-4-8-what-is-third-party-administrator-tpa"}],"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":false,"display":"No, Individual Sum insured 5000 Rs","note":"The prospectus also permits a family policy, but the CIS states the sum insured basis is individual.","quote":"Sum Insured Basis | Individual Sum insured 5000 Rs","sources":[{"clause":"Row 4","heading":"Sum Insured Basis","page":1,"url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/13461#c-row-4"}],"law":[]}],"documents":[{"kind":"wording","label":"Policy Clause Jan Arogya Bima Policy","pages":28,"fetched_at":"2026-10-17 19:51:43+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/health/jan-arogya-bima-insurance/Policy%20Clause%20Jan%20Arogya%20Bima%20Policy.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/13468"},{"kind":"wording","label":"Jan Arogya Bima Policy (IRDAI copy)","pages":19,"fetched_at":"2026-10-20 02:18:57+00","source_url":"https://irdai.gov.in/documents/37343/931203/Jan+Arogya+Bima+Policy_2013-2014.pdf/5afe123e-3f87-d773-26f3-19001988a6cc?version=1.1&t=1668335126996&download=true","url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/27956"},{"kind":"prospectus","label":"Prospectus Jan Arogya Bima Policy","pages":12,"fetched_at":"2026-10-17 19:52:42+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/health/jan-arogya-bima-insurance/Prospectus%20Jan%20Arogya%20Bima%20Policy.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/13489"},{"kind":"cis","label":"Customer Information Sheet","pages":3,"fetched_at":"2026-10-17 19:51:42+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/health/jan-arogya-bima-insurance/Customer%20Information%20sheet%20JAN%20AROGYA%20BIMA%20POLICY%20%281%29.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/13461"},{"kind":"premium","label":"Premium Chart Jan Arogya Bima Policy (WEF 01 Nov 2024)","pages":null,"fetched_at":"2026-10-17 19:50:46+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/health/jan-arogya-bima-insurance/Premium%20Chart%20Jan%20Arogya%20Bima%20Policy.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/30473"},{"kind":"proposal","label":"Proposal Form","pages":null,"fetched_at":"2026-10-17 19:51:54+00","source_url":"https://www.newindia.co.in/assets/docs/know-more/health/jan-arogya-bima-insurance/Jan%20Arogya%20Bima%20policy%20Proposal%20form%20WEF%2001%20OCT%202024.pdf","url":"https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425/document/30483"}],"versions":[{"uin":"IRDA/NL-HLT/NIA/P-H/V.I/338/13-14","version":null,"approved_on":null},{"uin":"NIAHLIP25045V032425","version":null,"approved_on":null}],"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":"Jan Arogya Bima Policy (UIN NIAHLIP25045V032425), IndiaInsurances, https://indiainsurances.com/policy/new-india-assurance/jan-arogya-bima-policy-niahlip25045v032425"}