{"uin":"NICHLIP25040V042425","name":"National Senior Citizen Mediclaim Policy (NSCMP)","url":"https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425","insurer":{"slug":"national-insurance","name":"National Insurance Company Limited","url":"https://indiainsurances.com/insurer/national-insurance"},"line":"health","category":"health-senior","category_name":"Senior citizen health","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"National Senior Citizen Mediclaim Policy is an indemnity health insurance policy for senior citizens with Plan A and Plan B, available on individual or floater basis for a one year policy term. Sum insured options are INR 1L to 10L, the initial waiting period is 30 days, pre-existing diseases are covered after 24 months, and Plan B adds benefits such as hospital cash, post-hospitalisation home visit or nursing charges, funeral expenses and reinstatement for road traffic accident claims.","analysis":{"state":"machine","analysed_at":"2026-10-19 21:54:32.228282+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"],"display":"Plan A and Plan B","note":"Both plans can be issued on individual and floater basis.","quote":"Plans | Plan A (Individual and Floater) | Plan B (Individual and Floater)","sources":[{"clause":null,"heading":"No loading shall apply on renewals based on individual claims experience","page":23,"url":"https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425/document/12957#c-no-loading-shall-apply-on-renewals-based-on-indi"}],"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 period is 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":"2.43","heading":"Policy Period","page":4,"url":"https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425/document/12957#c-2-43"}],"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 cashless claims, the TPA must be informed at least seventy two hours before planned hospitalisation and within twenty four hours of emergency hospitalisation. For reimbursement, the Company or TPA must be informed at least seventy two hours before planned hospitalisation or domiciliary hospitalisation and within twenty four hours of emergency hospitalisation or domiciliary hospitalisation.","display":"Planned: at least seventy two hours before admission; emergency: within twenty four hours of admission","note":null,"quote":"Claim Intimation in case of Cashless Facility | TPA must be informed:\nIn the event of planned Hospitalisation | At least seventy two hours prior to the Insured Person’s admission\nIn the event of emergency Hospitalisation | Within twenty four hours of the Insured Person’s admission\nClaim Intimation in case of Reimbursement | Company/TPA must be informed:\nIn the event of planned Hospitalisation or domiciliary hospitalistion | At least seventy two hours prior to the Insured Person’s admission to Hospital/ commencement of Domiciliary Hospitalisation\nIn the event of emergency Hospitalisation or domiciliary hospitalistion | Within twenty four hours of the Insured Person’s admission to Hospital/ commencement of Domiciliary Hospitalisation","sources":[{"clause":"6.17.1","heading":"Notification of Claim","page":15,"url":"https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425/document/12957#c-6-17-1"}],"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":["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, 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.","medical certificate stating the circumstances requiring for Domiciliary Hospitalisation and fitness certificate/ medical certificate of state of patient from treating Medical Practitioner","certificate of death of Insured Person","Any other document required by Company/TPA."],"display":"Completed claim form, admission prescription, bills and receipts, investigation reports, diagnosis certificates, discharge summary, and other claim-specific documents","note":null,"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, 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) For claim under Section Domiciliary Hospitalisation in addition to documents listed above (as applicable), medical certificate stating the circumstances requiring for Domiciliary Hospitalisation and fitness certificate/ medical certificate of state of patient from treating Medical Practitioner.\nx) For claim under Section Funeral expense, certificate of death of Insured Person (original shall be returned following verification).\nxi) Any other document required by Company/TPA.","sources":[{"clause":"6.17.4","heading":"Documents","page":16,"url":"https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425/document/12957#c-6-17-4"}],"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 complete investigation within 30 days and settle or reject the claim within 45 days from receipt of the last necessary document.","display":"15 days from last necessary document; 45 days in investigation cases","note":"Delay beyond the stated timelines attracts interest at a rate 2% above the bank rate.","quote":"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. ... However, 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.","sources":[{"clause":"6.3(i)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425/document/12957#c-6-3-i"},{"clause":"6.3(iii)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425/document/12957#c-6-3-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":["Expenses related to the treatment of a Pre-Existing Disease (PED) and its direct complications shall be excluded until the expiry of twenty four (24) months","Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 90 days/ one year/ two year/ three years","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","Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded.","Expenses related to any admission primarily for enforced bed rest and not for receiving treatment.","Expenses related to any treatment, including surgical management, to change characteristics of the body to those of the opposite sex.","Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an Accident, Burn(s) or Cancer","Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports","Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent.","Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof","Medical treatment expenses traceable to childbirth","Treatment taken outside the geographical limits of India"],"display":"Waiting periods for PED, specific diseases and first 30 days, plus exclusions including diagnostics-only admission, rest cure, change of gender, cosmetic surgery, professional adventure sports, breach of law, drug/alcohol abuse, maternity and treatment outside India","note":null,"quote":"Expenses related to the treatment of a Pre-Existing Disease (PED) and its direct complications shall be excluded until the expiry of twenty four (24) months ... Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 90 days/ one year/ two year/ three years ... 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 ... Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded. ... Expenses related to any admission primarily for enforced bed rest and not for receiving treatment. ... Expenses related to any treatment, including surgical management, to change characteristics of the body to those of the opposite sex. ... Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an Accident, Burn(s) or Cancer ... Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports ... Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent. ... Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof (Excl 12). ... Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during Hospitalisation) except ectopic pregnancy, ... Treatment taken outside the geographical limits of India","sources":[{"clause":"4.1","heading":"Pre-Existing Diseases (Excl 01)","page":10,"url":"https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425/document/12957#c-4-1"},{"clause":"4.2","heading":"Specific disease/procedure Waiting Period (Excl 02)","page":10,"url":"https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425/document/12957#c-4-2"},{"clause":"4.3","heading":"First 30 days Waiting Period (Excl 03)","page":10,"url":"https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425/document/12957#c-4-3"},{"clause":"5.1","heading":"Investigation& Evaluation (Excl 04)","page":10,"url":"https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425/document/12957#c-5-1"},{"clause":"5.2","heading":"Rest Cure, Rehabilitation and Respite Care (Excl 05)","page":10,"url":"https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425/document/12957#c-5-2"},{"clause":"5.4","heading":"Change-of-Gender Treatments (Excl 07)","page":11,"url":"https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425/document/12957#c-5-4"},{"clause":"5.5","heading":"Cosmetic or Plastic Surgery (Excl 08)","page":11,"url":"https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425/document/12957#c-5-5"},{"clause":"5.6","heading":"Hazardous or Adventure Sports (Excl 09)","page":11,"url":"https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425/document/12957#c-5-6"},{"clause":"5.7","heading":"Breach of Law (Excl 10)","page":11,"url":"https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425/document/12957#c-5-7"},{"clause":"5.9","heading":"Drug/Alcohol Abuse (Excl 12)","page":11,"url":"https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425/document/12957#c-5-9"},{"clause":"5.15","heading":"Maternity (Excl 18)","page":12,"url":"https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425/document/12957#c-5-15"},{"clause":"5.35","heading":"Treatment taken outside the geographical limits of India","page":13,"url":"https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425/document/12957#c-5-35"}],"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 Grievance cell at Regional Office of the Company. If it remains unaddressed, contact the Customer Relationship Management Dept. of National Insurance Company Limited at Rajarhat, New Town, Kolkata, or by the stated emails.","display":"Policy Issuing Office or Regional Office Grievance cell first; then Customer Relationship Management 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, Premises No. 18-0374, Plot no. CBD-81, Rajarhat, New Town, Kolkata - 700156, email: customer.relations@nic.co.in, griho@nic.co.in","sources":[{"clause":null,"heading":"7 REDRESSAL OF GRIEVANCE","page":18,"url":"https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425/document/12957#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":"quote-verified","value":"Both Plan A and Plan B are available from INR 1L to 10L in multiples of 1,00,000.","display":"INR 1L to 10L, in multiples of 1,00,000","note":"The same range is shown for Plan A and Plan B.","quote":"Sum Insured | INR 1L to 10L | INR 1L to 10L\nSlab | In multiple of 1,00,000 | In multiple of 1,00,000","sources":[{"clause":null,"heading":"No loading shall apply on renewals based on individual claims experience","page":23,"url":"https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425/document/12957#c-no-loading-shall-apply-on-renewals-based-on-indi"}],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Does not apply to covered accident claims; also does not apply if the insured person has continuous coverage for more than twelve (12) months.","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.","sources":[{"clause":"4.3","heading":"First 30 days Waiting Period (Excl 03)","page":10,"url":"https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425/document/12957#c-4-3"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"quote-verified","value":{"unit":"months","amount":24},"display":"24 months","note":"Coverage after 24 months is subject to the pre-existing disease being declared at application and accepted by the insurer.","quote":"Expenses related to the treatment of a Pre-Existing Disease (PED) and its direct complications shall be excluded until the expiry of twenty four (24) months of continuous coverage after the date of inception of the first policy with us.","sources":[{"clause":"4.1","heading":"Pre-Existing Diseases (Excl 01)","page":10,"url":"https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425/document/12957#c-4-1"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"quote-verified","value":{"unit":"days","amount":90},"display":"90 days; one year, two years and three years for other listed conditions","note":"This exclusion is not applicable for claims arising due to an Accident.","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/ three years (as specified against specific disease/ procedure) of continuous coverage after the date of inception of the first policy with us. ... i) 90 Days Waiting Period (Life style conditions)","sources":[{"clause":"4.2","heading":"Specific disease/procedure Waiting Period (Excl 02)","page":10,"url":"https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425/document/12957#c-4-2"},{"clause":"4.2(f)(i)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425/document/12957#c-4-2-f-i"}],"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":["Hypertension and related complications","Cardiac conditions","Diabetes and related complications","Benign ENT disorders","Tonsillectomy","Adenoidectomy","Mastoidectomy","Tympanoplasty","Cataract","Benign prostatic hypertrophy","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","Hysterectomy, excluding malignancy","Refractive error of the eye more than 7.5 dioptres.","Congenital Internal Anomaly","Joint replacement unless necessitated due to an Accident","Osteoarthritis and osteoporosis","Morbid Obesity and its complications","Stem Cell Therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions"],"display":"Lifestyle conditions for 90 days, listed ENT procedures for one year, listed surgeries and conditions for two years, and joint replacement, osteoarthritis/osteoporosis, morbid obesity and specified stem cell therapy for three years","note":null,"quote":"i) 90 Days Waiting Period (Life style conditions)\na. Hypertension and related complications | c. Cardiac conditions\nb. Diabetes and related complications ... ii) One year Waiting Period\na. Benign ENT disorders | d. Mastoidectomy\nb. Tonsillectomy | e. Tympanoplasty\nc. Adenoidectomy ... iii) Two years Waiting Period\na. Cataract | l. Calculus diseases\nb. Benign prostatic hypertrophy | m. Surgery of gall bladder and bile duct excluding\nc. Hernia | malignancy\nd. Hydrocele | n. Surgery of genito-urinary system excluding malignancy\ne. Fissure/Fistula in anus | o. Surgery for prolapsed intervertebral disc unless arising\nf. Piles (Haemorrhoids) | from Accident\ng. Sinusitis and related disorders | p. Surgery of varicose vein\nh. Polycystic ovarian disease | q. Hysterectomy, excluding malignancy\ni. Non-infective arthritis | r. Refractive error of the eye more than 7.5 dioptres.\nj. Pilonidal sinus | s. Congenital Internal Anomaly\nk. Gout and Rheumatism ... iv) Three years Waiting Period Following diseases shall be covered after three years of continuous cover from the inception of the Policy:\na) Joint replacement unless necessitated due to an Accident\nb) Osteoarthritis and osteoporosis\nc) Morbid Obesity and its complications\nd) Stem Cell Therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered.","sources":[{"clause":"4.2(f)(i)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425/document/12957#c-4-2-f-i"},{"clause":"4.2(f)(ii)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425/document/12957#c-4-2-f-ii"},{"clause":"4.2(f)(iii)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425/document/12957#c-4-2-f-iii"},{"clause":"4.2(f)(iv)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425/document/12957#c-4-2-f-iv"}],"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":"60 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 (including Portability and Migration), 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":"6.11","heading":"Moratorium Period","page":14,"url":"https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425/document/12957#c-6-11"}],"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 policy to another insurer by applying at least 15 days before, but not earlier than 60 days from, the policy renewal date. The proposed insured person gets accrued continuity benefits for specific waiting periods, pre-existing disease waiting period and moratorium period, to the extent of previous sum insured and accrued cumulative bonus.","display":"Allowed, with waiting-period and moratorium continuity credit","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 15 days before, but not earlier than 60 days from the policy renewal date ... The proposed Insured Person will get all the accrued continuity benefits for specific waiting periods, waiting period for pre-existing diseases and Moratorium period of the Insured Person under the previous health insurance Policy. ... Portability benefit will be offered to the extent of Sum Insured and accrued Cumulative Bonus","sources":[{"clause":"6.8","heading":"Portability","page":14,"url":"https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425/document/12957#c-6-8"},{"clause":"6.8(i)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425/document/12957#c-6-8-i"},{"clause":"6.8(ii)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425/document/12957#c-6-8-ii"}],"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":"The quoted exception for covered children or siblings appears in the prospectus, though the eligibility section for this senior citizen product covers self/spouse or parents.","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":"2.12","heading":"Renewal Terms","page":7,"url":"https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425/document/13053#c-2-12"}],"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 on renewal based on individual claims experience","note":null,"quote":"No loading shall apply on renewals based on individual claims experience.","sources":[{"clause":"6.9","heading":"Renewal of Policy","page":14,"url":"https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425/document/12957#c-6-9"}],"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 Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"quote-verified","value":["Investigation & Evaluation (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)","Excluded Providers (Excl 11)","Drug/Alcohol Abuse (Excl 12)","Non-Medical Admissions (Excl 13)","Vitamins, Tonics (Excl 14)","Refractive Error (Excl 15)","Unproven Treatments (Excl 16)","Birth control, Sterility and Infertility (Excl 17)","Maternity (Excl 18)","Hormone Replacement Therapy","General Debility, Congenital External Anomaly","Self Inflicted Injury","Stem Cell Surgery","Circumcision","Vaccination or Inoculation","Massages, Steam Bath, Alternative Treatment (Other than AYUSH)","Dental treatment","Out Patient Department (OPD)","Stay in a Hospital which is not Medically Necessary.","Spectacles, Contact Lens, Hearing Aid, Cochlear Implants","Non Prescription Drug","Treatment not Related to Disease for which Claim is Made","Equipments","Items of personal comfort","Service charge/ registration fee","Home visit charges","War","Radioactivity","Treatment taken outside the geographical limits of India"],"display":"Excl 04 to Excl 18, plus product exclusions such as hormone replacement therapy, self-inflicted injury, OPD treatment, war, radioactivity and treatment outside India","note":"Excl 01 to Excl 03 are waiting-period exclusions and are not included here.","quote":"a. Investigation & Evaluation (Excl 04) b. Rest Cure, Rehabilitation and Respite Care (Excl 05) c. Obesity/ Weight Control (Excl 06) d. Change-of-Gender Treatments (Excl 07) e. Cosmetic or Plastic Surgery (Excl 08) f. Hazardous or Adventure Sports (Excl 09) g. Breach of Law (Excl 10) h. Excluded Providers (Excl 11) i. Drug/Alcohol Abuse (Excl 12) j. Non-Medical Admissions (Excl 13) k. Vitamins, Tonics (Excl 14) l. Refractive Error (Excl 15) m. Unproven Treatments (Excl 16) n. Birth control, Sterility and Infertility (Excl 17) o. Maternity (Excl 18) p. Hormone Replacement Therapy q. General Debility, Congenital External Anomaly r. Self Inflicted Injury s. Stem Cell Surgery t. Circumcision u. Vaccination or Inoculation v. Massages, Steam Bath, Alternative Treatment (Other than AYUSH) w. Dental treatment x. Out Patient Department (OPD) y. Stay in a Hospital which is not Medically Necessary. z. Spectacles, Contact Lens, Hearing Aid, Cochlear Implants aa. Non Prescription Drug bb. Treatment not Related to Disease for which Claim is Made cc. Equipments dd. Items of personal comfort ee. Service charge/ registration fee ff. Home visit charges gg. War hh. Radioactivity ii. Treatment taken outside the geographical limits of India","sources":[{"clause":"Row 6","heading":"Exclusions (what the policy does not cover)","page":2,"url":"https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425/document/13137#c-row-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 notice in writing. The insurer refunds proportionate premium for the unexpired policy period if the term is up to one year and no claim has been made; no refund is made if any claim has been admitted or lodged or any benefit availed.","display":"7 days written notice; proportionate refund for unexpired period if no claim, otherwise no refund","note":null,"quote":"The policyholder may cancel his/her policy at any time during the term, by giving 7 days notice in writing. The Insurer shall:refund proportionate premium for unexpired policy period, if the term of policy upto one year and there is no claim (s) made during the policy period. Notwithstanding anything contained herein or otherwise, no refunds of premium shall be made in respect of Cancellation where, any claim has been admitted or has been lodged or any benefit has been availed under the Policy.","sources":[{"clause":"6.6(ii)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425/document/12957#c-6-6-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":"All medical treatment for this insurance must be taken in India only.","display":"India only","note":null,"quote":"All medical treatment for the purpose of this insurance will have to be taken in India only.","sources":[{"clause":"6.19","heading":"Territorial Limit","page":17,"url":"https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425/document/12957#c-6-19"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days from date of receipt of the Policy document","note":"Applies to 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 thirty days from date of receipt of the Policy document to review the terms and conditions of the Policy, and to return the same if not acceptable.","sources":[{"clause":"6.13","heading":"Free look period","page":15,"url":"https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425/document/12957#c-6-13"}],"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":"The Grace Period for payment of the premium shall be thirty days.","sources":[{"clause":"2.21","heading":"Grace Period","page":2,"url":"https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425/document/12957#c-2-21"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"The main senior citizen insured or parent must be aged between 60 to 80 years at inception. In floater cover, the spouse or other parent may be aged between 50 to 80 years at inception.","display":"50 to 80 years for spouse/other parent in floater; 60 to 80 years for senior citizen/self/parent","note":"No other relation even within the eligible age band can be covered.","quote":"Self only aged between 60 to 80 years at inception. ... Self and Spouse together, where self is aged between 60 to 80 years and spouse is aged between 50 to 80 years at inception. ... Either Father or Mother, aged between 60 to 80 years at inception ... Father and Mother together, where at least one parent is aged between 60 to 80 years and the other aged between 50 to 80 years at inception.","sources":[{"clause":null,"heading":"2.3Eligibility","page":6,"url":"https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425/document/13053#c-2-3eligibility"}],"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":["Annual","Half Yearly","Quarterly"],"display":"Annual, Half Yearly or Quarterly","note":"Annual is inferred from the printed annual premium used as the base for instalment percentages.","quote":"Premium for the Policy may be paid in instalments of Quarterly or Half Yearly as opted, subject to Condition 6.24. ... Half yearly: 1st instalment: 52.50% of annual premium 2nd instalment: 50% of annual premium Quarterly: 1st instalment: 28.50% of annual premium 2nd, 3rd and 4th instalments: 25% of annual premium.","sources":[{"clause":"2.13","heading":"Instalment Facility","page":7,"url":"https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425/document/13053#c-2-13"},{"clause":null,"heading":"Instalment Premium","page":28,"url":"https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425/document/13053#c-instalment-premium"}],"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":["Pre-existing Diabetes and/ or Hypertension","Outpatient Treatment","Critical Illness","Personal Accident"],"display":"Pre-existing Diabetes and/ or Hypertension, Outpatient Treatment, Critical Illness and Personal Accident","note":"Optional covers must be opted on inception or renewal and cannot be changed or removed mid-term.","quote":"Cover for Pre-existing Diabetes and/ or Hypertension, Outpatient Treatment, Critical Illness and Personal Accident are available as Optional Covers on payment of additional premium.","sources":[{"clause":null,"heading":"8 OPTIONAL COVERS","page":18,"url":"https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425/document/12957#c-8-optional-covers"}],"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 available during the grace period for instalment premium if the due instalment is paid within the grace period. For renewal, coverage is not available during the period for which no premium is received.","display":"Instalment grace: covered if paid within grace; renewal grace: not covered","note":null,"quote":"In case of Premium payment in instalments, if the due instalment premium is paid within the Grace Period, coverage shall be available during the Grace Period. In case of Renewal, Coverage shall not be available during the period for which no premium is received.","sources":[{"clause":"2.21","heading":"Grace Period","page":2,"url":"https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425/document/12957#c-2-21"}],"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.","status":"quote-verified","value":"Plan A pays room charges up to 1% of SI per day subject to maximum INR 5,000 per day, and ICU up to 2% of SI per day subject to maximum INR 10,000 per day. Plan B pays room charges up to 2% of SI per day subject to maximum INR 10,000 per day, and ICU up to 4% of SI per day subject to maximum INR 20,000 per day.","display":"Plan A: Room 1% of SI max INR 5,000/day, ICU 2% max INR 10,000/day; Plan B: Room 2% max INR 10,000/day, ICU 4% max INR 20,000/day","note":"The table also states: \"* The limits shall not apply if the treatment is undergone for a listed procedure in a Preferred Provider Network (PPN) as per eligible package.\"","quote":"In patient Treatment* | Room – 1% of SI per day subject to maximum of INR 5,000 per day ICU – 2% of SI per day subject to maximum of INR 10,000 per day | Room – 2% of SI per day subject to maximum of INR 10,000 per day ICU – 4% of SI per day subject to maximum of INR 20,000 per day","sources":[{"clause":null,"heading":"No loading shall apply on renewals based on individual claims experience","page":23,"url":"https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425/document/12957#c-no-loading-shall-apply-on-renewals-based-on-indi"}],"law":[]},{"key":"copay","label":"Co-payment","section":"Limits and co-pay","meaning":"The share of every admissible claim you pay yourself.","status":"quote-verified","value":"If the insured has paid Zone 1 premium, treatment in Zone 1 or Zone 2 has no co-payment; if Zone 2 premium is paid, treatment in Zone 2 has no co-payment but treatment in Zone 1 has an 18.50% co-payment. The insured may also opt for 20% co-payment with a 25% premium discount or 10% co-payment with a 12.5% premium discount.","display":"No co-pay in paid zone; 18.50% for Zone 2 premium and Zone 1 treatment; optional 10% or 20%","note":"Optional co-payments are not applicable on optional covers.","quote":"Insured paying premium as per Zone 1 can avail treatment in Zone 1, Zone 2 without Co-payment\n• Insured paying premium as per Zone 2 can avail treatment in Zone 2 without any Co-payment\na) Availing treatment in Zone 1 will be subject to a Co-payment of 18.50% ... Insured may choose either of the two Co-payment options:\n• 20% Co-payment on each admissible claim under the Policy, with a 25% discount in total premium.\n• 10% Co-payment on each admissible claim under the Policy, with a 12.5% discount in total premium.","sources":[{"clause":"6.17.7","heading":"Classification of * Zone and Co-payment","page":17,"url":"https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425/document/12957#c-6-17-7"},{"clause":"6.17.8","heading":"Optional Co-payment","page":17,"url":"https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425/document/12957#c-6-17-8"}],"law":[]},{"key":"disease_sublimits","label":"Disease or procedure sub-limits","section":"Limits and co-pay","meaning":"Caps on what is paid for named treatments even if the sum insured is higher.","status":"quote-verified","value":["Plan A: Cataract Surgery - 15% of SI or INR 75,000 for each eye, whichever is lower","Plan A: Benign Prostatic Hyperplasia – 20% of SI","Modern Treatment: Up to 25% of SI for each modern procedure/ component/ medicine","Treatment due to participation in hazardous or adventure sports (non-professionals): Up to 25% of SI"],"display":"Plan A cataract 15% of SI or INR 75,000 per eye; Plan A BPH 20% of SI; modern treatments 25% of SI; non-professional hazardous/adventure sports 25% of SI","note":"The cataract and Benign Prostatic Hyperplasia sub-limits are under Plan A only; the table shows Plan B has no overall limit and no listed cataract/BPH sub-limit.","quote":"Cataract Surgery - 15% of SI or INR 75,000 for each eye, whichever is lower Benign Prostatic Hyperplasia – 20% of SI ... Modern Treatment (12 nos) | Up to 25% of SI for each modern procedure/ component/ medicine | Up to 25% of SI for each modern procedure/ component/ medicine\nTreatment due to participation in hazardous or adventure sports (non-professionals) | Up to 25% of SI | Up to 25% of SI","sources":[{"clause":null,"heading":"No loading shall apply on renewals based on individual claims experience","page":23,"url":"https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425/document/12957#c-no-loading-shall-apply-on-renewals-based-on-indi"}],"law":[]},{"key":"pre_policy_checkup","label":"Medical tests before buying","section":"Eligibility","meaning":"Whether you need medical tests before the policy is issued.","status":"quote-verified","value":"Pre Policy Checkup is required for all individuals irrespective of age for fresh proposals. The Company reimburses 50% of expenses if the proposal is accepted and premium realised; required reports include physical examination, HbA1c, lipid profile, serum creatinine, urine routine and microscopic examination, ECG, eye checkup and any other investigation required by the Company.","display":"Required for all fresh proposals; 50% reimbursed if accepted","note":"Medical reports should not be more than thirty (30) days before the proposal date.","quote":"Pre Policy Checkup is required for all individual irrespective of age, for fresh proposal.\nii) The Company shall reimburse 50% of the expenses incurred for Pre Policy Checkup, if the proposal is accepted and the premium has been realised.\niii) The Pre Policy Checkup reports required are –\na) Physical examination (report to be signed by the Doctor with minimum MD (Medicine) qualification)\nb) HbA1c\nc) Lipid profile\nd) Serum creatinine\ne) Urine routine and microscopic examination\nf) ECG\ng) Eye checkup (including retinoscopy)\nh) Any other investigation required by the Company","sources":[{"clause":"2.10","heading":"Pre Policy Checkup","page":6,"url":"https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425/document/13053#c-2-10"}],"law":[]},{"key":"pre_hospitalisation","label":"Pre-hospitalisation cover","section":"Cover","meaning":"Medical costs before admission that are paid.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days immediately before hospitalisation","note":"Expenses must be for the same condition and the in-patient hospitalisation claim must be admissible.","quote":"The Company shall indemnify the Medical Expenses incurred 30 (thirty) days immediately before the Insured Person is hospitalised","sources":[{"clause":"3.1.2","heading":"Pre-Hospitalisation","page":5,"url":"https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425/document/12957#c-3-1-2"}],"law":[]},{"key":"post_hospitalisation","label":"Post-hospitalisation cover","section":"Cover","meaning":"Medical costs after discharge that are paid.","status":"quote-verified","value":{"unit":"days","amount":60},"display":"60 days immediately after discharge","note":"Expenses must be for the same condition and the in-patient hospitalisation claim must be admissible.","quote":"The Company shall indemnify the Medical Expenses incurred 60 (sixty) days immediately after the Insured Person is discharged from Hospital","sources":[{"clause":"3.1.3","heading":"Post-Hospitalisation","page":6,"url":"https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425/document/12957#c-3-1-3"}],"law":[]},{"key":"day_care","label":"Day-care treatments","section":"Cover","meaning":"Treatments needing less than 24 hours in hospital.","status":"quote-verified","value":"Day Care Treatment expenses, including pre and post hospitalisation expenses, are covered for treatments requiring hospitalisation as an in-patient for less than 24 hours in a Hospital or Day Care Centre, but not in the outpatient department.","display":"Covered for in-patient treatment less than 24 hours, not OPD","note":null,"quote":"The Company shall indemnify the Medical Expenses (including Pre and Post Hospitalisation Expenses) for Day Care Treatments requiring Hospitalization as an In-Patient for less than 24 hours undergone by the Insured Person in a Hospital/ Day Care Centre, but not in the Outpatient department of a Hospital.","sources":[{"clause":"3.1.5","heading":"Day care Procedure","page":6,"url":"https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425/document/12957#c-3-1-5"}],"law":[]},{"key":"restoration","label":"Restoration of sum insured","section":"Cover","meaning":"Whether the sum insured is refilled after it is used up.","status":"quote-verified","value":"Plan B has reinstatement of Sum Insured once during the policy period if the available sum insured is exhausted due to hospitalisation or domiciliary hospitalisation claims arising out of a Road Traffic Accident, for subsequent hospitalisations due to other disease or injury. Plan A does not have this benefit.","display":"Plan B only: once during the Policy Period if SI is exhausted due to Road Traffic Accident","note":"The reinstated sum insured is not available for the claim due to which the sum insured was exhausted and is not carried forward to the next policy period.","quote":"Reinstatement of SI for road traffic accidents | x | Once during the Policy Period ... In the event of available Sum Insured in respect of the Insured/ Insured Person being exhausted anytime during the Policy Period on account of Hospitalisation/ Domiciliary Hospitalisation claims arising out of any Injury due to a Road Traffic Accident (RTA), the Company shall reinstate the Sum Insured (excluding Cumulative Bonus) ... Reinstatement shall be allowed only once during the Policy Period","sources":[{"clause":null,"heading":"No loading shall apply on renewals based on individual claims experience","page":23,"url":"https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425/document/12957#c-no-loading-shall-apply-on-renewals-based-on-indi"},{"clause":"3.2.4","heading":"Reinstatement of Sum Insured if exhausted due to Road Traffic Accident","page":8,"url":"https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425/document/12957#c-3-2-4"},{"clause":"3.2.4(iii)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425/document/12957#c-3-2-4-iii"}],"law":[]},{"key":"no_claim_bonus","label":"No-claim or cumulative bonus","section":"Cover","meaning":"How much the cover grows each year, the maximum, whether it depends on not claiming, and what happens after a claim.","status":"quote-verified","value":"At renewal, cumulative bonus increases by 5% of sum insured for each claim-free year, reduces by 5% of sum insured for a claim year, and can accrue up to a maximum of 50% of the sum insured.","display":"5% of SI for each claim-free year, reduced by 5% after a claim, maximum 50% of SI","note":"For floater policies, the bonus is based on the floater sum insured and is reduced if a claim is made by any insured person.","quote":"At the time of renewal, Cumulative Bonus allowed shall be an amount equal to 5% (five percent) of Sum Insured (excluding CB) of the expiring policy in respect of the Insured Person provided no claim has been reported and admitted under the expiring policy. In the event of claim(s) under the expiring policy, the cumulative bonus with respect to the Insured Person shall be reduced by an amount equal to 5% (five percent) of Sum Insured (excluding CB) of the expiring policy. However, the reduction of CB will not impact Sum Insured (excluding CB). Cumulative bonus shall be accrued over the years, subject to maximum of 50% (fifty percent) of the Sum Insured (excluding CB) of the current policy.","sources":[{"clause":"3.3.1","heading":"Cumulative Bonus (CB) For policies issued on individual basis","page":9,"url":"https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425/document/12957#c-3-3-1"}],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"quote-verified","value":"Cashless Facility can be availed if TPA service is opted. Treatment may be taken in a Network Provider, PPN or Non-Network Provider and is subject to pre-authorisation by the TPA.","display":"Available if TPA service is opted, subject to TPA pre-authorisation","note":null,"quote":"Cashless Facility can be availed, if TPA service is opted.\nii) Treatment may be taken in a Network Provider / PPN or Non-Network Provider and is subject to pre-authorisation by the TPA. Updated list of network provider/PPN is available on the website of the Company and the TPA mentioned in the schedule","sources":[{"clause":"6.17.2","heading":"Procedure for Cashless Claims","page":16,"url":"https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425/document/12957#c-6-17-2"}],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"quote-verified","value":"The proposer may choose claims serviced by TPA or by the Company. With TPA service both cashless and reimbursement are available, while Company service does not provide cashless facility; TPA services include pre-authorisation or processing but not claim settlement or rejection.","display":"TPA if opted, otherwise the Company; TPA does not do settlement or rejection","note":null,"quote":"The proposer has the option of claims being serviced by TPA (in which case both Cashless Facility and Reimbursement Facility will be available) or the Company (in which case Cashless Facility shall not be available). ... The services offered by a TPA shall not include\ni) Claim settlement and claim rejection;","sources":[{"clause":"2.11","heading":"Payment of Premium","page":7,"url":"https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425/document/13053#c-2-11"},{"clause":"6.17.6","heading":"Services Offered by TPA","page":17,"url":"https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425/document/12957#c-6-17-6"}],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"quote-verified","value":true,"display":"Yes, floater basis is available for two insured persons","note":"Eligibility restricts floater cover to self and spouse or father and mother as applicable.","quote":"Policy can be issued, as opted by the Proposer, on\ni) Individual Basis (i.e., separate Sum Insured shall apply on each insured person)\nii) Floater Basis (same Sum Insured shall apply to cover both insured person)","sources":[{"clause":"2.1","heading":"Type of Policy","page":5,"url":"https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425/document/13053#c-2-1"}],"law":[]}],"documents":[{"kind":"wording","label":"NSCMP Wordings","pages":26,"fetched_at":"2026-10-17 19:55:28+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-06/NSCMP%20-%20Policy%20Wordings.pdf","url":"https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425/document/12957"},{"kind":"prospectus","label":"NSCMP - Prospectus","pages":28,"fetched_at":"2026-10-17 19:58:09+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-06/NSCMP%20-%20Prospectus.pdf","url":"https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425/document/13053"},{"kind":"cis","label":"NSCMP CIS","pages":8,"fetched_at":"2026-10-17 20:00:52+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/NSCMP%20-%20CIS.pdf","url":"https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425/document/13137"},{"kind":"premium","label":"NSCMP Rate Chart","pages":null,"fetched_at":"2026-10-17 19:51:40+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/NSCMP%20-%20Rate%20Chart.pdf","url":"https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425/document/30363"},{"kind":"proposal","label":"NSCMP Proposal","pages":null,"fetched_at":"2026-10-17 20:00:09+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/NSCMP%20-%20Proposal%20Form.pdf","url":"https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425/document/30381"},{"kind":"claim-form","label":"NSCMP Claim Form","pages":null,"fetched_at":"2026-10-17 20:01:18+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/NSCMP%20-%20Claim%20Form.pdf","url":"https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425/document/30399"}],"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 Senior Citizen Mediclaim Policy (NSCMP) (UIN NICHLIP25040V042425), IndiaInsurances, https://indiainsurances.com/policy/national-insurance/national-senior-citizen-mediclaim-policy-nscmp-nichlip25040v042425"}