{"uin":"NICHLIP14005V021314","name":"Critical Illness Insurance Policy","url":"https://indiainsurances.com/policy/national-insurance/critical-illness-insurance-policy-nichlip14005v021314","insurer":{"slug":"national-insurance","name":"National Insurance Company Limited","url":"https://indiainsurances.com/insurer/national-insurance"},"line":"health","category":"critical-illness","category_name":"Critical illness","irdai_type":null,"kind":"product","status":"active","approved_on":"2013-09-30","withdrawn_on":null,"summary":"Critical Illness Insurance Policy is a benefit health product that pays the sum insured as a lump sum when an insured person is diagnosed with listed critical illnesses, with Open chest CABG limited to 20% of the sum insured. The policy has a one-year term, a 90-day initial waiting period and a 30-day survival period.","analysis":{"state":"machine","analysed_at":"2026-10-19 21:50:13.562323+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 year.","display":"One year","note":null,"quote":"Policy period means period of one year as mentioned in the schedule for which the policy is issued.","sources":[{"clause":"2.10","heading":"Policy period","page":2,"url":"https://indiainsurances.com/policy/national-insurance/critical-illness-insurance-policy-nichlip14005v021314/document/12984#c-2-10"}],"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":"Notice with full particulars must be sent to the company within 15 days from the date of diagnosis of the disease.","display":"Within 15 days from the date of diagnosis","note":null,"quote":"Upon detection of any critical illness, which may give rise to a claim under this section, notice with full particulars shall be sent to the company within 15 (fifteen) days from the date of diagnosis of the disease.","sources":[{"clause":"4.2.1","heading":"Notification of claim","page":3,"url":"https://indiainsurances.com/policy/national-insurance/critical-illness-insurance-policy-nichlip14005v021314/document/12984#c-4-2-1"}],"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":["Discharge summary/ Doctor’s certificate confirming diagnosis of the critical illness along with date of diagnosis.","Pathological/Radiological/ other diagnostic test reports confirming the diagnosis of the critical illness.","Any other documents required by the company"],"display":"Discharge summary/doctor’s certificate, diagnostic test reports, and any other documents required by the company","note":"The clause says claim documents must be submitted after 30 days from the date of diagnosis.","quote":"i) Discharge summary/ Doctor’s certificate confirming diagnosis of the critical illness along with date of diagnosis. ... ii) Pathological/Radiological/ other diagnostic test reports confirming the diagnosis of the critical illness. ... iii) Any other documents required by the company","sources":[{"clause":"4.2.2","heading":"Documents","page":3,"url":"https://indiainsurances.com/policy/national-insurance/critical-illness-insurance-policy-nichlip14005v021314/document/12984#c-4-2-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The company shall settle or reject a claim within 15 days from receipt of the last necessary document. If investigation is warranted, it shall settle or reject the claim within 45 days from receipt of the last necessary document.","display":"15 days from last necessary document; investigation cases 45 days","note":"Where investigation is needed, the company must initiate and complete it not later than 30 days from receipt of the last necessary document.","quote":"i) The Company shall settle or reject a claim, as the case may be, within 15 days from the date of receipt of last necessary document. ... In such cases, the Company shall settle or reject the claim within 45 days from the date of receipt of last necessary document.","sources":[{"clause":"4.2.3(i)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/national-insurance/critical-illness-insurance-policy-nichlip14005v021314/document/12984#c-4-2-3-i"},{"clause":"4.2.3(iii)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/national-insurance/critical-illness-insurance-policy-nichlip14005v021314/document/12984#c-4-2-3-iii"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["No claim will be payable, if a critical illness as specified in the policy incepts or manifests during the first 90 (ninety) days of the inception of the policy.","critical illness and/or its symptoms (and/or the treatment) of which were present in the insured person at any time before inception of the policy","No claim will be payable if the insured person smokes 40 (forty) or more cigarettes / cigars or equivalent tobacco intake in a day.","The ingestion of drugs other than those prescribed by a practicing and duly qualified member of the medical profession.","The ingestion of medicines, prescribed or not, for treatment of drug addiction and any treatment relating to drug addiction.","Any attempt by the insured person at suicide or any, injury, which is self inflicted or in any manner willfully caused by or on behalf of the insured person.","AIDS (Acquired Immunodeficiency Syndrome) or HIV (Human Immunodeficiency Virus).","Any illness or injury directly or indirectly caused by or contributed to by nuclear weapons/materials","War, invasion, act of foreign enemy, hostilities, civil war, rebellion, revolution, insurrection, mutiny, military, or usurped power"],"display":"90-day waiting period, pre-existing symptoms or treatment, heavy smoking, non-prescribed drugs, drug addiction, suicide or self-inflicted injury, AIDS/HIV, nuclear/radioactivity, and war group perils","note":null,"quote":"No claim will be payable, if a critical illness as specified in the policy incepts or manifests during the first 90 (ninety) days of the inception of the policy. ... critical illness and/or its symptoms (and/or the treatment) of which were present in the insured person at any time before inception of the policy ... No claim will be payable if the insured person smokes 40 (forty) or more cigarettes / cigars or equivalent tobacco intake in a day. ... The ingestion of drugs other than those prescribed by a practicing and duly qualified member of the medical profession. ... The ingestion of medicines, prescribed or not, for treatment of drug addiction and any treatment relating to drug addiction. ... Any attempt by the insured person at suicide or any, injury, which is self inflicted or in any manner willfully caused by or on behalf of the insured person. ... AIDS (Acquired Immunodeficiency Syndrome) or HIV (Human Immunodeficiency Virus). ... Any illness or injury directly or indirectly caused by or contributed to by nuclear weapons/materials ... War, invasion, act of foreign enemy, hostilities, civil war, rebellion, revolution, insurrection, mutiny, military, or usurped power","sources":[{"clause":"3.1","heading":"Waiting period","page":2,"url":"https://indiainsurances.com/policy/national-insurance/critical-illness-insurance-policy-nichlip14005v021314/document/12984#c-3-1"},{"clause":"3.2","heading":"Pre existing condition","page":2,"url":"https://indiainsurances.com/policy/national-insurance/critical-illness-insurance-policy-nichlip14005v021314/document/12984#c-3-2"},{"clause":"3.3","heading":"Smoking","page":2,"url":"https://indiainsurances.com/policy/national-insurance/critical-illness-insurance-policy-nichlip14005v021314/document/12984#c-3-3"},{"clause":"3.4.1","heading":"Non Prescribed drug","page":3,"url":"https://indiainsurances.com/policy/national-insurance/critical-illness-insurance-policy-nichlip14005v021314/document/12984#c-3-4-1"},{"clause":"3.4.2","heading":"Drug addiction","page":3,"url":"https://indiainsurances.com/policy/national-insurance/critical-illness-insurance-policy-nichlip14005v021314/document/12984#c-3-4-2"},{"clause":"3.4.3","heading":"Suicide","page":3,"url":"https://indiainsurances.com/policy/national-insurance/critical-illness-insurance-policy-nichlip14005v021314/document/12984#c-3-4-3"},{"clause":"3.4.4","heading":"AIDS, HIV","page":3,"url":"https://indiainsurances.com/policy/national-insurance/critical-illness-insurance-policy-nichlip14005v021314/document/12984#c-3-4-4"},{"clause":"3.4.5","heading":"Radioactivity","page":3,"url":"https://indiainsurances.com/policy/national-insurance/critical-illness-insurance-policy-nichlip14005v021314/document/12984#c-3-4-5"},{"clause":"3.4.6","heading":"War group perils","page":3,"url":"https://indiainsurances.com/policy/national-insurance/critical-illness-insurance-policy-nichlip14005v021314/document/12984#c-3-4-6"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First submit the grievance in writing to the Policy Issuing Office or the Grievance cell at the Regional Office. If it remains unaddressed, contact the Customer Relationship Management Dept., National Insurance Company Limited.","display":"Policy Issuing Office or Regional Office Grievance cell first; then CRM Dept.","note":null,"quote":"In case of any grievance related to the Policy, the insured person may submit in writing to the Policy Issuing Office or Grievance cell at Regional Office of the Company for redressal. If the grievance remains unaddressed, the insured person may contact Customer Relationship Management Dept., National Insurance Company Limited","sources":[{"clause":null,"heading":"5 Redressal of grievance","page":6,"url":"https://indiainsurances.com/policy/national-insurance/critical-illness-insurance-policy-nichlip14005v021314/document/12984#c-5-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":"The SI options available range from ` 3, 00,000 (3 lacs) up to ` 25,00,000 (twenty five lacs) in multiples of ` 1,00,0000 (one lac).","display":"` 3, 00,000 up to ` 25,00,000 in multiples of ` 1,00,0000","note":"Quoted from the prospectus; the policy wording refers to the sum insured mentioned in the schedule.","quote":"The SI options available range from ` 3, 00,000 (3 lacs) up to ` 25,00,000 (twenty five lacs) in multiples of ` 1,00,0000 (one lac).","sources":[{"clause":"2.2","heading":"Sum Insured","page":1,"url":"https://indiainsurances.com/policy/national-insurance/critical-illness-insurance-policy-nichlip14005v021314/document/13081#c-2-2"}],"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":90},"display":"90 days","note":null,"quote":"No claim will be payable, if a critical illness as specified in the policy incepts or manifests during the first 90 (ninety) days of the inception of the policy.","sources":[{"clause":"3.1","heading":"Waiting period","page":2,"url":"https://indiainsurances.com/policy/national-insurance/critical-illness-insurance-policy-nichlip14005v021314/document/12984#c-3-1"}],"law":[]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"quote-verified","value":{"unit":"months","amount":60},"display":"sixty continuous months","note":"For enhanced Basic Sum Insured, sixty continuous months applies from the date of enhancement on the enhanced limits.","quote":"After completion of sixty continuous months of coverage, no claim shall be contestable by the Company on grounds of non-disclosure, misrepresentation, except on grounds of established fraud. This period of sixty continuous months is called as Moratorium Period.","sources":[{"clause":"4.20","heading":"Moratorium Period","page":5,"url":"https://indiainsurances.com/policy/national-insurance/critical-illness-insurance-policy-nichlip14005v021314/document/12984#c-4-20"}],"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":"Migration and portability are not applicable for this policy.","display":"Not applicable for this policy","note":"Stated in the CIS; the policy wording does not state portability terms.","quote":"Migration and Portability: Not applicable for this policy.","sources":[{"clause":"Row 7","heading":"Waiting period","page":1,"url":"https://indiainsurances.com/policy/national-insurance/critical-illness-insurance-policy-nichlip14005v021314/document/13162#c-row-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, throughout the lifetime of the Insured Persons","note":"Except for the covered Children or siblings, who can renew till the Insured Person’s marriage.","quote":"The Policy can be renewed without break throughout the lifetime of the Insured Persons except for the covered Children or siblings, who can renew till the Insured Person’s marriage.","sources":[{"clause":"2.7","heading":"Renewal Terms","page":1,"url":"https://indiainsurances.com/policy/national-insurance/critical-illness-insurance-policy-nichlip14005v021314/document/13081#c-2-7"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"quote-verified","value":"No loading shall apply on renewals based on individual claims experience.","display":"No loading based on individual claims experience","note":null,"quote":"vi) No loading shall apply on renewals based on individual claims experience.","sources":[{"clause":"4.14","heading":"Renewal of policy","page":5,"url":"https://indiainsurances.com/policy/national-insurance/critical-illness-insurance-policy-nichlip14005v021314/document/12984#c-4-14"}],"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":["Transient ischemic attacks (TIA)","Traumatic injury of the brain","Vascular disease affecting only the eye or optic nerve or vestibular functions.","Tumours showing the malignant changes of carcinoma in situ and tumours which are histologically described as premalignant or non invasive","Any skin cancer other than invasive malignant melanoma","All tumours of the prostate unless histologically classified as having a Gleason score greater than 6 (six) or having progressed to at least clinical TNM classification T2N0M0.","Papillary micro - carcinoma of the thyroid less than 1 (one) cm in diameter","Chronic lymphocyctic leukaemia less than RAI stage 3 (three)","Microcarcinoma of the bladder","All tumours in the presence of HIV infection.","Other stem-cell transplants","Where only islets of langerhans are transplanted","Other causes of neurological damage such as SLE and HIV.","Angioplasty and/or any other intra-arterial procedures","Any key-hole or laser surgery.","No claim will be payable if the insured person smokes 40 (forty) or more cigarettes / cigars or equivalent tobacco intake in a day.","The ingestion of drugs other than those prescribed by a practicing and duly qualified member of the medical profession.","The ingestion of medicines, prescribed or not, for treatment of drug addiction and any treatment relating to drug addiction.","Any attempt by the insured person at suicide or any, injury, which is self inflicted or in any manner willfully caused by or on behalf of the insured person.","AIDS (Acquired Immunodeficiency Syndrome) or HIV (Human Immunodeficiency Virus).","Any illness or injury directly or indirectly caused by or contributed to by nuclear weapons/materials","War, invasion, act of foreign enemy, hostilities, civil war, rebellion, revolution, insurrection, mutiny, military, or usurped power"],"display":"Stroke, cancer, transplant, multiple sclerosis and CABG definition exclusions, plus smoking, drug, suicide, AIDS/HIV, nuclear/radioactivity and war exclusions","note":null,"quote":"i) Transient ischemic attacks (TIA) ... ii) Traumatic injury of the brain ... iii) Vascular disease affecting only the eye or optic nerve or vestibular functions. ... Tumours showing the malignant changes of carcinoma in situ and tumours which are histologically described as premalignant or non invasive ... Any skin cancer other than invasive malignant melanoma ... All tumours of the prostate unless histologically classified as having a Gleason score greater than 6 (six) or having progressed to at least clinical TNM classification T2N0M0. ... Papillary micro - carcinoma of the thyroid less than 1 (one) cm in diameter ... Chronic lymphocyctic leukaemia less than RAI stage 3 (three) ... Microcarcinoma of the bladder ... All tumours in the presence of HIV infection. ... i. Other stem-cell transplants ... ii. Where only islets of langerhans are transplanted ... Other causes of neurological damage such as SLE and HIV. ... i. Angioplasty and/or any other intra-arterial procedures ... ii. Any key-hole or laser surgery. ... No claim will be payable if the insured person smokes 40 (forty) or more cigarettes / cigars or equivalent tobacco intake in a day. ... The ingestion of drugs other than those prescribed by a practicing and duly qualified member of the medical profession. ... The ingestion of medicines, prescribed or not, for treatment of drug addiction and any treatment relating to drug addiction. ... Any attempt by the insured person at suicide or any, injury, which is self inflicted or in any manner willfully caused by or on behalf of the insured person. ... AIDS (Acquired Immunodeficiency Syndrome) or HIV (Human Immunodeficiency Virus). ... Any illness or injury directly or indirectly caused by or contributed to by nuclear weapons/materials ... War, invasion, act of foreign enemy, hostilities, civil war, rebellion, revolution, insurrection, mutiny, military, or usurped power","sources":[{"clause":null,"heading":"The following are not covered","page":1,"url":"https://indiainsurances.com/policy/national-insurance/critical-illness-insurance-policy-nichlip14005v021314/document/12984#c-the-following-are-not-covered"},{"clause":null,"heading":"The following are not covered","page":1,"url":"https://indiainsurances.com/policy/national-insurance/critical-illness-insurance-policy-nichlip14005v021314/document/12984#c-the-following-are-not-covered-2"},{"clause":null,"heading":"The following are not covered","page":2,"url":"https://indiainsurances.com/policy/national-insurance/critical-illness-insurance-policy-nichlip14005v021314/document/12984#c-the-following-are-not-covered-3"},{"clause":null,"heading":"The following are not covered","page":2,"url":"https://indiainsurances.com/policy/national-insurance/critical-illness-insurance-policy-nichlip14005v021314/document/12984#c-the-following-are-not-covered-4"},{"clause":null,"heading":"The following are not covered","page":2,"url":"https://indiainsurances.com/policy/national-insurance/critical-illness-insurance-policy-nichlip14005v021314/document/12984#c-the-following-are-not-covered-5"},{"clause":"3.3","heading":"Smoking","page":2,"url":"https://indiainsurances.com/policy/national-insurance/critical-illness-insurance-policy-nichlip14005v021314/document/12984#c-3-3"},{"clause":"3.4.1","heading":"Non Prescribed drug","page":3,"url":"https://indiainsurances.com/policy/national-insurance/critical-illness-insurance-policy-nichlip14005v021314/document/12984#c-3-4-1"},{"clause":"3.4.2","heading":"Drug addiction","page":3,"url":"https://indiainsurances.com/policy/national-insurance/critical-illness-insurance-policy-nichlip14005v021314/document/12984#c-3-4-2"},{"clause":"3.4.3","heading":"Suicide","page":3,"url":"https://indiainsurances.com/policy/national-insurance/critical-illness-insurance-policy-nichlip14005v021314/document/12984#c-3-4-3"},{"clause":"3.4.4","heading":"AIDS, HIV","page":3,"url":"https://indiainsurances.com/policy/national-insurance/critical-illness-insurance-policy-nichlip14005v021314/document/12984#c-3-4-4"},{"clause":"3.4.5","heading":"Radioactivity","page":3,"url":"https://indiainsurances.com/policy/national-insurance/critical-illness-insurance-policy-nichlip14005v021314/document/12984#c-3-4-5"},{"clause":"3.4.6","heading":"War group perils","page":3,"url":"https://indiainsurances.com/policy/national-insurance/critical-illness-insurance-policy-nichlip14005v021314/document/12984#c-3-4-6"}],"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 during the term by giving 7 days written notice. The company shall refund proportionate premium for the unexpired policy period if no claim has been made; no refund is made where any claim has been admitted or lodged or any benefit has been availed.","display":"Proportionate premium for unexpired period after 7 days notice, if no claim","note":null,"quote":"The policyholder may cancel his/her policy at any time during the term, by giving 7 days notice in writing. The Company shall refund proportionate premium for unexpired policy period, if there is no claim(s) made during the policy period.\nNotwithstanding 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 under the Policy.","sources":[{"clause":"4.12(ii)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/national-insurance/critical-illness-insurance-policy-nichlip14005v021314/document/12984#c-4-12-ii"}],"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":"not-stated","value":null,"display":null,"note":"The wording states territorial jurisdiction for disputes, but does not state the geographic area of cover.","quote":null,"sources":[],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"conflicting","value":{"unit":"days","amount":30},"display":"thirty days from date of receipt of the policy document","note":"CIS says: 'You may cancel the insurance policy if you don’t want it, within 30 days from the beginning of the policy.' Policy wording says thirty days from date of receipt of the policy document.","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. ... Free Look Period You may cancel the insurance policy if you don’t want it, within 30 days from the beginning of the policy.","sources":[{"clause":"4.19","heading":"Free look period","page":5,"url":"https://indiainsurances.com/policy/national-insurance/critical-illness-insurance-policy-nichlip14005v021314/document/12984#c-4-19"},{"clause":"Row 7","heading":"Waiting period","page":1,"url":"https://indiainsurances.com/policy/national-insurance/critical-illness-insurance-policy-nichlip14005v021314/document/13162#c-row-7"}],"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":"thirty days","note":null,"quote":"The Grace Period for payment of the premium shall be thirty days.","sources":[{"clause":"2.6","heading":"Grace Period","page":2,"url":"https://indiainsurances.com/policy/national-insurance/critical-illness-insurance-policy-nichlip14005v021314/document/12984#c-2-6"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"Persons between the age of 20 years and 65 years can buy the policy.","display":"20 years to 65 years","note":"Quoted from the prospectus.","quote":"Policy can be availed by persons between the age of 20 (twenty) years and 65 (sixty five) years.","sources":[{"clause":"2.1","heading":"Eligibility","page":1,"url":"https://indiainsurances.com/policy/national-insurance/critical-illness-insurance-policy-nichlip14005v021314/document/13081#c-2-1"}],"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":"The prospectus shows annual premium rates, but payment frequency options are not stated.","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":"quote-verified","value":["Permanent paralysis of limbs","Blindness"],"display":"Permanent paralysis of limbs and Blindness","note":null,"quote":"Permanent paralysis of limbs and Blindness can be covered by paying additional premium.","sources":[{"clause":null,"heading":"6 Redressal of grievance","page":6,"url":"https://indiainsurances.com/policy/national-insurance/critical-illness-insurance-policy-nichlip14005v021314/document/13081#c-6-redressal-of-grievance"}],"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 shall not be available during the grace period.","display":"Coverage shall not be available during the grace period","note":null,"quote":"At the end of the policy period, the policy shall terminate and can be renewed within the Grace Period of 30 days to maintain continuity of benefits without break in policy. Coverage shall not be available during the grace period.","sources":[{"clause":"4.14","heading":"Renewal of policy","page":5,"url":"https://indiainsurances.com/policy/national-insurance/critical-illness-insurance-policy-nichlip14005v021314/document/12984#c-4-14"}],"law":[]},{"key":"illness_count","label":"Number of illnesses covered","section":"Cover","meaning":"How many critical illnesses are listed. The definitions matter more than the count.","status":"quote-verified","value":6,"display":"6 critical illnesses","note":"Permanent paralysis of limbs and blindness are add-ons, not counted in the base count.","quote":"Critical illness means stroke resulting in permanent symptoms, cancer of specified severity, kidney failure requiring regular dialysis, major organ/ bone marrow transplant, multiple sclerosis with persisting symptoms and open chest CABG (Coronary Artery Bypass Graf) as mentioned in the policy. Critical illness also includes permanent paralysis of limbs and blindness if mentioned in the schedule. ... Permanent paralysis of limbs and Blindness can be covered by paying additional premium.","sources":[{"clause":"2.3","heading":"Critical illness","page":1,"url":"https://indiainsurances.com/policy/national-insurance/critical-illness-insurance-policy-nichlip14005v021314/document/12984#c-2-3"},{"clause":null,"heading":"6 Redressal of grievance","page":6,"url":"https://indiainsurances.com/policy/national-insurance/critical-illness-insurance-policy-nichlip14005v021314/document/13081#c-6-redressal-of-grievance"}],"law":[]},{"key":"illness_list","label":"Illnesses covered","section":"Cover","meaning":"The listed illnesses. Standard definitions are set by IRDAI.","status":"quote-verified","value":["stroke resulting in permanent symptoms","cancer of specified severity","kidney failure requiring regular dialysis","major organ/ bone marrow transplant","multiple sclerosis with persisting symptoms","open chest CABG (Coronary Artery Bypass Graf)"],"display":"Stroke, cancer, kidney failure, major organ/bone marrow transplant, multiple sclerosis and open chest CABG","note":"Permanent paralysis of limbs and blindness are included only if mentioned in the schedule; the prospectus says they can be covered by paying additional premium.","quote":"Critical illness means stroke resulting in permanent symptoms, cancer of specified severity, kidney failure requiring regular dialysis, major organ/ bone marrow transplant, multiple sclerosis with persisting symptoms and open chest CABG (Coronary Artery Bypass Graf) as mentioned in the policy. Critical illness also includes permanent paralysis of limbs and blindness if mentioned in the schedule. ... Permanent paralysis of limbs and Blindness can be covered by paying additional premium.","sources":[{"clause":"2.3","heading":"Critical illness","page":1,"url":"https://indiainsurances.com/policy/national-insurance/critical-illness-insurance-policy-nichlip14005v021314/document/12984#c-2-3"},{"clause":null,"heading":"6 Redressal of grievance","page":6,"url":"https://indiainsurances.com/policy/national-insurance/critical-illness-insurance-policy-nichlip14005v021314/document/13081#c-6-redressal-of-grievance"}],"law":[]},{"key":"payout","label":"Payout","section":"Cover","meaning":"Lump sum on diagnosis, staged payouts by severity, or reimbursement.","status":"quote-verified","value":"The company pays the sum insured as a lump sum on diagnosis of a covered critical illness. The amount payable for Open chest CABG is limited to 20% of the sum insured.","display":"Lump sum sum insured; Open chest CABG limited to 20% of sum insured","note":null,"quote":"In the event of the insured person being diagnosed as suffering from a critical illness, symptoms of which were not present at any time prior to inception of the policy, the company shall pay the sum insured as a lump sum. ... The amount payable for Open chest CABG shall be limited to 20% of the sum insured.","sources":[{"clause":null,"heading":"1 Coverage","page":1,"url":"https://indiainsurances.com/policy/national-insurance/critical-illness-insurance-policy-nichlip14005v021314/document/13081#c-1-coverage"},{"clause":"4.3","heading":"Restricted cover","page":4,"url":"https://indiainsurances.com/policy/national-insurance/critical-illness-insurance-policy-nichlip14005v021314/document/12984#c-4-3"}],"law":[]},{"key":"survival_period","label":"Survival period","section":"Waiting periods","meaning":"Days you must survive after diagnosis before the money is paid.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days after diagnosis","note":null,"quote":"The insured person needs to survive for 30 (thirty) days after the diagnosis of the critical illness in order to make a claim.","sources":[{"clause":"4.5","heading":"Survival Period","page":4,"url":"https://indiainsurances.com/policy/national-insurance/critical-illness-insurance-policy-nichlip14005v021314/document/12984#c-4-5"}],"law":[]},{"key":"multiple_claims","label":"Multiple claims","section":"Cover","meaning":"Whether you can claim for more than one illness.","status":"quote-verified","value":"No further critical illness claim is payable after payment of the sum insured; the cover ceases on payment of the sum insured on the happening of a critical illness.","display":"No; cover ceases after payment of the sum insured","note":null,"quote":"The company shall compensate the insured person on behalf of the insured person only once in respect of any particular critical illness. ... The cover under the policy will cease upon payment of the sum insured on the happening of a critical illness and no further payment will be made for any consequent disease or any dependent disease or any other critical illness.","sources":[{"clause":"4.7","heading":null,"page":4,"url":"https://indiainsurances.com/policy/national-insurance/critical-illness-insurance-policy-nichlip14005v021314/document/12984#c-4-7"},{"clause":"4.10","heading":"Cessation of cover","page":4,"url":"https://indiainsurances.com/policy/national-insurance/critical-illness-insurance-policy-nichlip14005v021314/document/12984#c-4-10"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing conditions","section":"Waiting periods","meaning":"Whether an illness you already had can ever be claimed: after a waiting period, or never.","status":"quote-verified","value":"A critical illness or its symptoms or treatment that were present before policy inception is not covered; this is not stated as becoming coverable after a waiting period. The same exclusion applies again after an interruption in cover.","display":"Pre-existing critical illness/symptoms are not covered","note":null,"quote":"The company shall not be liable for a critical illness and/or its symptoms (and/or the treatment) of which were present in the insured person at any time before inception of the policy or the date on which cover was granted to such insured person, or which manifest themselves within a period of 90 (ninety) days from such date, whether or not the insured person had knowledge that the symptoms or treatment were related to such critical illness. In the event of any interruption in cover, the terms of this exclusion will apply as new from recommencement of cover.","sources":[{"clause":"3.2","heading":"Pre existing condition","page":2,"url":"https://indiainsurances.com/policy/national-insurance/critical-illness-insurance-policy-nichlip14005v021314/document/12984#c-3-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]}],"documents":[{"kind":"wording","label":"CI - Wordings","pages":6,"fetched_at":"2026-10-17 19:56:26+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/CI%20-%20Wordings.pdf","url":"https://indiainsurances.com/policy/national-insurance/critical-illness-insurance-policy-nichlip14005v021314/document/12984"},{"kind":"wording","label":"Critical Illness Insurance Policy (IRDAI copy)","pages":6,"fetched_at":"2026-10-20 02:18:19+00","source_url":"https://irdai.gov.in/documents/37343/931203/Critical+Illness+Insurance+Policy_2013-2014.pdf/0a1c5e4c-dc40-2954-87a2-554e44a92529?version=1.1&t=1668237909094&download=true","url":"https://indiainsurances.com/policy/national-insurance/critical-illness-insurance-policy-nichlip14005v021314/document/27918"},{"kind":"prospectus","label":"CI - Prospectus","pages":7,"fetched_at":"2026-10-17 19:59:06+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/CI%20-%20Prospectus.pdf","url":"https://indiainsurances.com/policy/national-insurance/critical-illness-insurance-policy-nichlip14005v021314/document/13081"},{"kind":"cis","label":"CI CIS","pages":4,"fetched_at":"2026-10-17 20:01:41+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/CI%20CIS.pdf","url":"https://indiainsurances.com/policy/national-insurance/critical-illness-insurance-policy-nichlip14005v021314/document/13162"},{"kind":"proposal","label":"CI - Proposal Form","pages":null,"fetched_at":"2026-10-17 20:00:57+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/CI%20-%20Proposal%20Form.pdf","url":"https://indiainsurances.com/policy/national-insurance/critical-illness-insurance-policy-nichlip14005v021314/document/30394"},{"kind":"claim-form","label":"Critical Illness Claim Form","pages":null,"fetched_at":"2026-10-17 20:02:05+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/Critical%20Illness%20Claim%20Form.pdf","url":"https://indiainsurances.com/policy/national-insurance/critical-illness-insurance-policy-nichlip14005v021314/document/30416"}],"versions":[{"uin":"IRDA/NL-HLT/NI/P-H(C)/V.I/296/13-14","version":null,"approved_on":null},{"uin":"NICHLIP14005V021314","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"National Insurance official website","url":"https://nationalinsurance.nic.co.in","note":"Website as listed by IRDAI. Not checked: the site could not be reached from our crawler on 2026-10-19 (connection or TLS error)."},{"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":"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":"Critical Illness Insurance Policy (UIN NICHLIP14005V021314), IndiaInsurances, https://indiainsurances.com/policy/national-insurance/critical-illness-insurance-policy-nichlip14005v021314"}