{"uin":"NICHLIP24128V012324","name":"National Teacher Suraksha Policy","url":"https://indiainsurances.com/policy/national-insurance/national-teacher-suraksha-policy-nichlip24128v012324","insurer":{"slug":"national-insurance","name":"National Insurance Company Limited","url":"https://indiainsurances.com/insurer/national-insurance"},"line":"health","category":"health-indemnity","category_name":"Health insurance (hospitalisation)","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"National Teacher Suraksha Policy covers teachers with compulsory personal accident, critical illness and third party liability sections. It has Plan A to Plan D sum insured levels, optional TTD and laptop/tablet covers, and optional health insurance with India-only medical treatment.","analysis":{"state":"machine","analysed_at":"2026-10-19 21:56:14.918233+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Plan A","Plan B","Plan C","Plan D"],"display":"Plan A, Plan B, Plan C and Plan D","note":null,"quote":"Section 1: Personal Accident (Worldwide, 24*7 cover) | Plan A | Plan B | Plan C | Plan D","sources":[{"clause":null,"heading":"Table of Benefits (amount in INR)","page":1,"url":"https://indiainsurances.com/policy/national-insurance/national-teacher-suraksha-policy-nichlip24128v012324/document/13075#c-table-of-benefits-amount-in-inr"}],"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 is issued for one year.","display":"One year","note":null,"quote":"2.45. Policy Period means period of one year as mentioned in the schedule for which the Policy is issued.","sources":[{"clause":null,"heading":"2.45.Policy Period","page":10,"url":"https://indiainsurances.com/policy/national-insurance/national-teacher-suraksha-policy-nichlip24128v012324/document/13075#c-2-45-policy-period"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"For health hospitalisation, inform the TPA or Company at least 72 hours before planned admission and within 24 hours of emergency admission. For other events, written notice with full particulars must be given immediately; death and loss of sight/amputation/permanent total disablement have one calendar month deadlines, and critical illness notification must be within the Survival Period.","display":"Health hospitalisation: 72 hours before planned admission or within 24 hours of emergency admission; other events: immediately, with death/loss notices within one calendar month and CI within Survival Period.","note":null,"quote":"In the event of planned Hospitalisation | At least seventy two (72) hours prior to the Insured Person’s admission to Network Provider\nIn the event of emergency Hospitalisation | Within twenty four (24) hours of the Insured Person’s admission to Network Provider ... Upon the happening of any event which may give rise to a claim under the policy, written notice with full particulars must be given to the company immediately. ... In case of death, written notice shall be given before interment, cremation and in any case, within one calendar month after the death ... In the event of loss of sight or amputation of limbs or permanent total disablement, written notice must be given within one calendar month after such loss ... In the event of Critical Illness, notification should be given within Survival Period","sources":[{"clause":"6.1.1","heading":"Notification of Claim","page":16,"url":"https://indiainsurances.com/policy/national-insurance/national-teacher-suraksha-policy-nichlip24128v012324/document/13075#c-6-1-1"},{"clause":"6.14(i)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/national-insurance/national-teacher-suraksha-policy-nichlip24128v012324/document/13075#c-6-14-i"},{"clause":"6.14(ii)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/national-insurance/national-teacher-suraksha-policy-nichlip24128v012324/document/13075#c-6-14-ii"},{"clause":"6.14(iii)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/national-insurance/national-teacher-suraksha-policy-nichlip24128v012324/document/13075#c-6-14-iii"},{"clause":"6.14(iv)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/national-insurance/national-teacher-suraksha-policy-nichlip24128v012324/document/13075#c-6-14-iv"}],"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":["Completed claim form","Medical practitioner’s prescription advising admission for inpatient treatment.","Cash-memo from the hospital (s)/chemist (s) supported by proper prescription from attending medical practitioner for Pre Hospitalisation, Hospitalisation and Post Hospitalisation.","Payment receipt, investigation test reports and associated plates/CDs in original, supported by the prescription from attending medical practitioner for Pre Hospitalisation, Hospitalisation and Post Hospitalisation.","Attending medical practitioner’s certificate regarding Diagnosis along with date of Diagnosis and bill, receipts etc.","Surgeon’s certificate regarding Diagnosis and nature of operation performed along with bills, receipts etc.","Bills, receipt, sticker of the Implants.","Bills, payment receipts, medical history of the patient recorded, discharge certificate/ summary, break up of final bill from the hospital etc.","Any other document required by Company/TPA."],"display":"Completed claim form, admission prescription, bills/receipts, test reports, diagnosis certificate, surgeon’s certificate, implant sticker, discharge summary and any other document required by Company/TPA.","note":"The listed documents are for reimbursement of health claims; the policy also requires documents mentioned in the respective sections depending on the nature of claim.","quote":"The claim is to be supported with the following original documents and submitted within the prescribed time limit.\ni) Completed claim form\nii) Medical practitioner’s prescription advising admission for inpatient treatment.\niii) Cash-memo from the hospital (s)/chemist (s) supported by proper prescription from attending medical practitioner for Pre Hospitalisation, Hospitalisation and Post Hospitalisation.\niv) Payment receipt, investigation test reports and associated plates/CDs in original, supported by the prescription from attending medical practitioner for Pre Hospitalisation, Hospitalisation and Post Hospitalisation.\nv) Attending medical practitioner’s certificate regarding Diagnosis along with date of Diagnosis and bill, receipts etc.\nvi) Surgeon’s certificate regarding Diagnosis and nature of operation performed along with bills, receipts etc.\nvii) Bills, receipt, sticker of the Implants.\nviii) Bills, payment receipts, medical history of the patient recorded, discharge certificate/ summary, break up of final bill from the hospital etc.\nix) Any other document required by Company/TPA. ... Duly completed claim form, and the documents mentioned in respective Sections are to be submitted depending on the nature of the claim.","sources":[{"clause":"6.1.4","heading":"Documents","page":17,"url":"https://indiainsurances.com/policy/national-insurance/national-teacher-suraksha-policy-nichlip24128v012324/document/13075#c-6-1-4"},{"clause":"6.15","heading":"Claim Documents","page":21,"url":"https://indiainsurances.com/policy/national-insurance/national-teacher-suraksha-policy-nichlip24128v012324/document/13075#c-6-15"}],"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 30 days from receipt of the last necessary document. If investigation is warranted, it must complete investigation within 30 days and settle or reject within 45 days from receipt of the last necessary document, with interest at 2% above bank rate for delay.","display":"30 days from last necessary document; 45 days if investigation is warranted.","note":null,"quote":"The Company shall settle or reject a claim, as the case may be, within 30 days from the date of receipt of last necessary document. ... where the circumstances of a claim warrant an investigation in the opinion of the Company, it shall initiate and complete such investigation at the earliest, in any case not later than 30 days from the date of receipt of last necessary document. In such cases, the Company shall settle or reject the claim within 45 days from the date of receipt of last necessary document. ... In case of delay beyond stipulated 45 days, the Company shall be liable to pay interest to the policyholder at a rate 2% above the bank rate from the date of receipt of last necessary document to the date of payment of claim.","sources":[{"clause":"6.6(c)(i)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/national-insurance/national-teacher-suraksha-policy-nichlip24128v012324/document/13075#c-6-6-c-i"},{"clause":"6.6(c)(iii)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/national-insurance/national-teacher-suraksha-policy-nichlip24128v012324/document/13075#c-6-6-c-iii"},{"clause":"6.6(c)(iv)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/national-insurance/national-teacher-suraksha-policy-nichlip24128v012324/document/13075#c-6-6-c-iv"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Pre-Existing Diseases (Excl 01)","Specified disease/procedure waiting period (Excl 02)","First 30 days waiting period (Excl 03)","Investigation& Evaluation (Excl 04)","Rest Cure, Rehabilitation and Respite Care (Excl 05)","Obesity/ Weight Control (Excl 06)","Change-of-Gender Treatments (Excl 07)","Cosmetic or Plastic Surgery (Excl 08)","Hazardous or Adventure Sports (Excl 09)","Breach of Law (Excl 10)","Drug/Alcohol Abuse (Excl 12)","Birth control, Sterility and Infertility (Excl 17)","Maternity (Excl 18)","Treatment taken outside the geographical limits of India"],"display":"Main exclusions include PED, specified disease/procedure waiting periods, first 30 days illness waiting period, investigation/evaluation, rest cure, obesity/weight control, change of gender, cosmetic surgery, hazardous sports, breach of law, drug/alcohol abuse, infertility, maternity and treatment outside India.","note":"This list highlights the waiting-period exclusions and major exclusions; the policy contains additional section-specific and general exclusions.","quote":"4.1 Pre-Existing Diseases (Excl 01) ... 4.2 Specified disease/procedure waiting period (Excl 02) ... 4.3 First 30 days waiting period (Excl 03) ... 4.4 Investigation& Evaluation (Excl 04) ... 4.5 Rest Cure, Rehabilitation and Respite Care (Excl 05) ... 4.6 Obesity/ Weight Control (Excl 06) ... 4.7 Change-of-Gender Treatments (Excl 07) ... 4.8 Cosmetic or Plastic Surgery (Excl 08) ... 4.9 Hazardous or Adventure Sports (Excl 09) ... 4.10 Breach of Law (Excl 10) ... 4.12 Drug/Alcohol Abuse (Excl 12) ... 4.17 Birth control, Sterility and Infertility (Excl 17) ... 4.18 Maternity (Excl 18) ... Treatment taken outside the geographical limits of India","sources":[{"clause":"4.1","heading":"Pre-Existing Diseases (Excl 01)","page":13,"url":"https://indiainsurances.com/policy/national-insurance/national-teacher-suraksha-policy-nichlip24128v012324/document/13075#c-4-1"},{"clause":"4.2","heading":"Specified disease/procedure waiting period (Excl 02)","page":13,"url":"https://indiainsurances.com/policy/national-insurance/national-teacher-suraksha-policy-nichlip24128v012324/document/13075#c-4-2"},{"clause":"4.3","heading":"First 30 days waiting period (Excl 03)","page":14,"url":"https://indiainsurances.com/policy/national-insurance/national-teacher-suraksha-policy-nichlip24128v012324/document/13075#c-4-3"},{"clause":"4.4","heading":"Investigation& Evaluation (Excl 04)","page":14,"url":"https://indiainsurances.com/policy/national-insurance/national-teacher-suraksha-policy-nichlip24128v012324/document/13075#c-4-4"},{"clause":"4.5","heading":"Rest Cure, Rehabilitation and Respite Care (Excl 05)","page":14,"url":"https://indiainsurances.com/policy/national-insurance/national-teacher-suraksha-policy-nichlip24128v012324/document/13075#c-4-5"},{"clause":"4.6","heading":"Obesity/ Weight Control (Excl 06)","page":14,"url":"https://indiainsurances.com/policy/national-insurance/national-teacher-suraksha-policy-nichlip24128v012324/document/13075#c-4-6"},{"clause":"4.7","heading":"Change-of-Gender Treatments (Excl 07)","page":14,"url":"https://indiainsurances.com/policy/national-insurance/national-teacher-suraksha-policy-nichlip24128v012324/document/13075#c-4-7"},{"clause":"4.8","heading":"Cosmetic or Plastic Surgery (Excl 08)","page":14,"url":"https://indiainsurances.com/policy/national-insurance/national-teacher-suraksha-policy-nichlip24128v012324/document/13075#c-4-8"},{"clause":"4.9","heading":"Hazardous or Adventure Sports (Excl 09)","page":14,"url":"https://indiainsurances.com/policy/national-insurance/national-teacher-suraksha-policy-nichlip24128v012324/document/13075#c-4-9"},{"clause":"4.10","heading":"Breach of Law (Excl 10)","page":14,"url":"https://indiainsurances.com/policy/national-insurance/national-teacher-suraksha-policy-nichlip24128v012324/document/13075#c-4-10"},{"clause":"4.12","heading":"Drug/Alcohol Abuse (Excl 12)","page":15,"url":"https://indiainsurances.com/policy/national-insurance/national-teacher-suraksha-policy-nichlip24128v012324/document/13075#c-4-12"},{"clause":"4.17","heading":"Birth control, Sterility and Infertility (Excl 17)","page":15,"url":"https://indiainsurances.com/policy/national-insurance/national-teacher-suraksha-policy-nichlip24128v012324/document/13075#c-4-17"},{"clause":"4.18","heading":"Maternity (Excl 18)","page":15,"url":"https://indiainsurances.com/policy/national-insurance/national-teacher-suraksha-policy-nichlip24128v012324/document/13075#c-4-18"},{"clause":"5.18","heading":"Treatment taken outside the geographical limits of India","page":16,"url":"https://indiainsurances.com/policy/national-insurance/national-teacher-suraksha-policy-nichlip24128v012324/document/13075#c-5-18"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact the company through its website, toll-free number, e-mail, phone, post or the grievance cell at any branch. If not satisfied, contact the grievance officer at that location before approaching the Insurance Ombudsman or lodging on IRDAI IGMS.","display":"Company/branch grievance cell first, then grievance officer, then Insurance Ombudsman or IRDAI IGMS.","note":null,"quote":"In case of any grievance the insured person may contact the company through\nWebsite: https://nationalinsurance.nic.co.in/ | Post: National Insurance Co. Ltd.,\nToll free: 1800 345 0330 | 6A Middleton Street, 7th Floor,\nE-mail: customer.relations@nic.co.in | CRM Dept.,\nPhn : (033) 2283 1742 | Kolkata - 700 071\nInsured person may also approach the grievance cell at any of the company’s branches with the details of grievance. If Insured person is not satisfied with the redressal of grievance through one of the above methods, insured person may contact the grievance officer (Office in-Charge) at that location. ... If Insured person is not satisfied with the redressal of grievance through above methods, the insured person may also approach the office of Insurance Ombudsman","sources":[{"clause":null,"heading":"7 REDRESSAL OF GRIEVANCE","page":22,"url":"https://indiainsurances.com/policy/national-insurance/national-teacher-suraksha-policy-nichlip24128v012324/document/13075#c-7-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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"The Critical Illness section has a separate first 90 days exclusion.","quote":"Expenses related to the treatment of any illness within thirty (30) days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered. ... Any Critical Illness, as specified in the Policy, which incepts or manifests during the first 90 days from the inception of the Policy.","sources":[{"clause":"4.3","heading":"First 30 days waiting period (Excl 03)","page":14,"url":"https://indiainsurances.com/policy/national-insurance/national-teacher-suraksha-policy-nichlip24128v012324/document/13075#c-4-3"},{"clause":"3.1.2.1(i)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/national-insurance/national-teacher-suraksha-policy-nichlip24128v012324/document/13075#c-3-1-2-1-i"}],"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":"The Critical Illness section excludes any pre-existing disease resulting in inception of Critical Illness during the first 48 months.","quote":"Expenses related to the treatment of a Pre-Existing Disease (PED) and its direct complications shall be excluded until the expiry of thirty six (36) months of continuous coverage after the date of inception of the first policy with us. ... Any pre-existing disease, which results in inception of Critical Illness during the first 48 months from the inception of the Policy","sources":[{"clause":"4.1","heading":"Pre-Existing Diseases (Excl 01)","page":13,"url":"https://indiainsurances.com/policy/national-insurance/national-teacher-suraksha-policy-nichlip24128v012324/document/13075#c-4-1"},{"clause":"3.1.2.1(i)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/national-insurance/national-teacher-suraksha-policy-nichlip24128v012324/document/13075#c-3-1-2-1-i"}],"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 listed conditions/procedures have one year, two years or four years waiting periods as specified.","quote":"Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 90 days/ one year/ two year/ four years (as specified against specific disease/ procedure) of continuous coverage after the date of inception of the first policy with us. ... 90 Days Waiting Period (Life style conditions) ... ii. One year Waiting Period ... iii. Two years Waiting Period ... iv. Four years Waiting Period","sources":[{"clause":"4.2(a)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/national-insurance/national-teacher-suraksha-policy-nichlip24128v012324/document/13075#c-4-2-a"},{"clause":"4.2(f)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/national-insurance/national-teacher-suraksha-policy-nichlip24128v012324/document/13075#c-4-2-f"}],"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":["Cataract and age related eye ailments","Hypertension and related complications","Diabetes and related complications","Cardiac conditions","Refractive error of the eye more than 7.5 dioptres","Benign prostatic hypertrophy","Benign ENT disorders","Tonsillectomy","Adenoidectomy","Mastoidectomy","Tympanoplasty","Hernia","Hydrocele","Fissure/Fistula in anus","Piles (Haemorrhoids)","Sinusitis and related disorders","Polycystic ovarian disease","Non-infective arthritis","Pilonidal sinus","Gout and Rheumatism","Calculus diseases","Surgery of gall bladder and bile duct excluding malignancy","Surgery of genito-urinary system excluding malignancy","Surgery for prolapsed intervertebral disc unless arising from accident","Surgery of varicose vein","Congenital Internal Anomaly","Joint replacement unless necessitated due to an accident","Osteoarthritis and osteoporosis","Obesity and its complications","Stem Cell Therapy"],"display":"Listed conditions include cataract, hypertension, diabetes, cardiac conditions, refractive error above 7.5 dioptres, BPH, ENT procedures, hernia, hydrocele, fissure/fistula, piles, sinusitis, PCOD, arthritis, pilonidal sinus, gout/rheumatism, calculus diseases, gall bladder/bile duct surgery, genito-urinary surgery, prolapsed intervertebral disc surgery, varicose vein surgery, congenital internal anomaly, joint replacement, osteoarthritis/osteoporosis, obesity and stem cell therapy.","note":null,"quote":"f) List of specific diseases/procedures\ni. 90 Days Waiting Period (Life style conditions) | a. Cataract and age related eye ailments\na. Hypertension and related complications | b. Refractive error of the eye more than 7.5\nb. Diabetes and related complications | dioptres.\nc. Cardiac conditions | c. Benign prostatic hypertrophy\nii. One year Waiting Period | d. Hernia\na. Benign ENT disorders | e. Hydrocele\nb. Tonsillectomy | f. Fissure/Fistula in anus\nc. Adenoidectomy | g. Piles (Haemorrhoids)\nd. Mastoidectomy | h. Sinusitis and related disorders\ne. Tympanoplasty | i. Polycystic ovarian disease\niii. Two years Waiting Period | j. Non-infective arthritis\nk. Pilonidal sinus | o. Surgery of genito-urinary system excluding\nl. Gout and Rheumatism | malignancy\nm. Calculus diseases | p. Surgery for prolapsed intervertebral disc unless\nn. Surgery of gall bladder and bile duct excluding | arising from accident\nmalignancy | q. Surgery of varicose vein\nr. Congenital Internal Anomaly ... Joint replacement unless necessitated due to an accident ... Osteoarthritis and osteoporosis ... Obesity and its complications ... Stem Cell Therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered.","sources":[{"clause":"4.2(f)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/national-insurance/national-teacher-suraksha-policy-nichlip24128v012324/document/13075#c-4-2-f"},{"clause":"4.2(a)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/national-insurance/national-teacher-suraksha-policy-nichlip24128v012324/document/13075#c-4-2-a-2"},{"clause":"4.2(b)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/national-insurance/national-teacher-suraksha-policy-nichlip24128v012324/document/13075#c-4-2-b-2"},{"clause":"4.2(c)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/national-insurance/national-teacher-suraksha-policy-nichlip24128v012324/document/13075#c-4-2-c-2"},{"clause":"4.2(d)","heading":"Stem Cell Therapy","page":14,"url":"https://indiainsurances.com/policy/national-insurance/national-teacher-suraksha-policy-nichlip24128v012324/document/13075#c-4-2-d-2"}],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"quote-verified","value":{"unit":"years","amount":8},"display":"8 continuous years","note":null,"quote":"After completion of eight continuous years under this policy no look back would be applied. This period of eight years is called as moratorium period. ... After the expiry of Moratorium Period no claim under this policy shall be contestable except for proven fraud and permanent exclusions specified in the policy contract.","sources":[{"clause":"6.6","heading":"Moratorium Period","page":18,"url":"https://indiainsurances.com/policy/national-insurance/national-teacher-suraksha-policy-nichlip24128v012324/document/13075#c-6-6"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"quote-verified","value":"The insured person may port the entire policy with all family members to other insurers by applying at least 45 days before, but not earlier than 60 days from, the policy renewal date, and can get accrued continuity benefits in waiting periods as per IRDAI portability guidelines.","display":"Yes, to other insurers with accrued continuity benefits in waiting periods.","note":null,"quote":"The insured person will have the option to port the policy to other insurers by applying to such insurer to port the entire policy along with all the members of the family, if any, at least 45 days before, but not earlier than 60 days from the policy renewal date as per IRDAI guidelines related to portability. ... the proposed insured person will get the accrued continuity benefits in waiting periods as per IRDAI guidelines on portability.","sources":[{"clause":"6.5","heading":"Portability","page":18,"url":"https://indiainsurances.com/policy/national-insurance/national-teacher-suraksha-policy-nichlip24128v012324/document/13075#c-6-5"}],"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":"Covered children under Optional 3 can renew till marriage.","quote":"The Policy can be renewed without break throughout the lifetime of the Insured Persons, except for the covered Children under Optional 3. Health Insurance, who can renew till marriage.","sources":[{"clause":"3.9","heading":"Renewal of Policy","page":3,"url":"https://indiainsurances.com/policy/national-insurance/national-teacher-suraksha-policy-nichlip24128v012324/document/13142#c-3-9"}],"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":"Renewal shall not be denied because of claims in the preceding policy period, and no loading applies on renewals based on individual claims experience.","display":"No loading based on individual claims experience.","note":null,"quote":"Renewal shall not be denied on the ground that the insured person had made a claim or claims in the preceding policy period. ... No loading shall apply on renewals based on individual claims experience.","sources":[{"clause":"6.7","heading":"Renewal of Policy","page":20,"url":"https://indiainsurances.com/policy/national-insurance/national-teacher-suraksha-policy-nichlip24128v012324/document/13075#c-6-7"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The policyholder may cancel by giving 15 days’ written notice. The Company refunds premium for the unexpired policy period after charging short-period premium: up to 1 month 1/4 annual rate, up to 3 months 1/2 annual rate, up to 6 months 3/4 annual rate, and exceeding 6 months full annual rate.","display":"15 days’ written notice; refund after short-period charge: up to 1month 1/4, up to 3 months 1/2, up to 6 months 3/4, exceeding 6 months full annual rate.","note":null,"quote":"The policyholder may cancel this policy by giving 15 days’ written notice and in such an event, the Company shall refund premium for the unexpired policy period as detailed below.\nPeriod of risk | Rate of premium to be charged\nUp to 1month | 1/4 of the annual rate\nUp to 3 months | 1/2 of the annual rate\nUp to 6 months | 3/4 of the annual rate\nExceeding 6 months | Full annual rate","sources":[{"clause":"6.6(d)(ii)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/national-insurance/national-teacher-suraksha-policy-nichlip24128v012324/document/13075#c-6-6-d-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":"quote-verified","value":"Medical treatment under the health section has to be taken in India only. The Personal Accident section is a worldwide, 24*7 cover.","display":"Health treatment: India only; Personal Accident: Worldwide, 24*7 cover.","note":null,"quote":"All medical treatment for the purpose of this Policy will have to be taken in India only. ... Section 1: Personal Accident (Worldwide, 24*7 cover)","sources":[{"clause":"6.2","heading":"Territorial Limit","page":18,"url":"https://indiainsurances.com/policy/national-insurance/national-teacher-suraksha-policy-nichlip24128v012324/document/13075#c-6-2"},{"clause":null,"heading":"Table of Benefits (amount in INR)","page":1,"url":"https://indiainsurances.com/policy/national-insurance/national-teacher-suraksha-policy-nichlip24128v012324/document/13075#c-table-of-benefits-amount-in-inr"}],"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":15},"display":"15 days from date of receipt of the policy document","note":"Applicable on new individual health insurance policies and not on renewals or at the time of porting/migrating the policy.","quote":"The insured person shall be allowed free look period of fifteen days from date of receipt of the policy document to review the terms and conditions of the policy, and to return the same if not acceptable.","sources":[{"clause":"6.10","heading":"Free Look Period","page":20,"url":"https://indiainsurances.com/policy/national-insurance/national-teacher-suraksha-policy-nichlip24128v012324/document/13075#c-6-10"}],"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","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 is not available during the Grace Period.","sources":[{"clause":"6.7","heading":"Renewal of Policy","page":20,"url":"https://indiainsurances.com/policy/national-insurance/national-teacher-suraksha-policy-nichlip24128v012324/document/13075#c-6-7"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"The proposer’s entry age should be between 18 years and 50 years. Family members of the proposer can be covered under Optional 3 Health Insurance, and midterm inclusion is allowed for a newborn between 3 and 6 months or a spouse within 60 days of marriage.","display":"Proposer: 18 years to 50 years","note":"For Plan C and Plan D, annual income proof must be submitted.","quote":"Entry age of Proposer should be between eighteen (18) years and fifty (50) years. ... Family members of Proposer can be covered under Optional 3. Health Insurance ... Midterm inclusion of family members at pro-rata premium is allowed only in case of\ni) newborn between the age of three (03) months and six (06) months\nii) spouse within sixty (60) days of marriage","sources":[{"clause":"3.3","heading":"Eligibility","page":2,"url":"https://indiainsurances.com/policy/national-insurance/national-teacher-suraksha-policy-nichlip24128v012324/document/13142#c-3-3"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["Full premium shall be paid in full before the commencement of the Policy"],"display":"Full premium before commencement of the Policy","note":"The documents do not state half-yearly, quarterly or monthly payment modes.","quote":"Full premium shall be paid in full before the commencement of the Policy.","sources":[{"clause":"3.8","heading":"Payment of Premium","page":3,"url":"https://indiainsurances.com/policy/national-insurance/national-teacher-suraksha-policy-nichlip24128v012324/document/13142#c-3-8"}],"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":["Optional 1. Temporary Total Disablement (TTD due to PA only)","Optional 2. Laptop/Tablet Cover","Optional 3. Health Insurance (Individual or Floater)"],"display":"Temporary Total Disablement, Laptop/Tablet Cover and Health Insurance","note":null,"quote":"Optional 1. Temporary Total Disablement (TTD due to PA only) | Fixed INR 5000, for 100 weeks\nUp to 1L Optional 2. Laptop/Tablet Cover (new replacement value) 5L Optional 3. Health Insurance (Individual or Floater) ... Following covers shall be available only if they have been opted in the Proposal Form, and requisite premium has been paid.","sources":[{"clause":null,"heading":"Optional Covers","page":1,"url":"https://indiainsurances.com/policy/national-insurance/national-teacher-suraksha-policy-nichlip24128v012324/document/13075#c-optional-covers"},{"clause":"3.2","heading":"Optional Covers","page":6,"url":"https://indiainsurances.com/policy/national-insurance/national-teacher-suraksha-policy-nichlip24128v012324/document/13075#c-3-2"}],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"quote-verified","value":"Coverage is not available during the Grace Period.","display":"Coverage is not available during the Grace Period.","note":null,"quote":"Coverage is not available during the Grace Period.","sources":[{"clause":"6.7","heading":"Renewal of Policy","page":20,"url":"https://indiainsurances.com/policy/national-insurance/national-teacher-suraksha-policy-nichlip24128v012324/document/13075#c-6-7"}],"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":null,"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 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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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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 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20:00:59+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-09/NTSP_Prospectus.pdf","url":"https://indiainsurances.com/policy/national-insurance/national-teacher-suraksha-policy-nichlip24128v012324/document/13142"},{"kind":"cis","label":"National Teacher Suraksha Policy Customer Information Sheet","pages":3,"fetched_at":"2026-10-17 20:03:55+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/National%20Teacher%20Suraksha%20Policy%20Customer%20Information%20Sheet.pdf","url":"https://indiainsurances.com/policy/national-insurance/national-teacher-suraksha-policy-nichlip24128v012324/document/13223"},{"kind":"proposal","label":"National Teacher Suraksha Policy Proposal Form","pages":null,"fetched_at":"2026-10-17 20:02:54+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/National%20Teacher%20Suraksha%20Policy%20Proposal%20Form.pdf","url":"https://indiainsurances.com/policy/national-insurance/national-teacher-suraksha-policy-nichlip24128v012324/document/30427"},{"kind":"claim-form","label":"National Teacher Suraksha Policy Claim Form","pages":null,"fetched_at":"2026-10-17 20:03:43+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/National%20Teacher%20Suraksha%20Policy%20Claim%20Form.pdf","url":"https://indiainsurances.com/policy/national-insurance/national-teacher-suraksha-policy-nichlip24128v012324/document/30440"}],"versions":[],"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":"National Teacher Suraksha Policy (UIN NICHLIP24128V012324), IndiaInsurances, https://indiainsurances.com/policy/national-insurance/national-teacher-suraksha-policy-nichlip24128v012324"}