{"uin":"NICHLIP25041V022425","name":"Arogya Sanjeevani Policy - National","url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425","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":"New","kind":"product","status":"active","approved_on":"2020-03-31","withdrawn_on":null,"summary":"Arogya Sanjeevani Policy - National is an indemnity health policy available on individual or floater basis with sum insured from ₹ 50,000 to ₹ 10L. It has 30 days initial waiting, 36 months pre-existing disease waiting, room rent capped at 2% of sum insured up to Rs. 5,000 per day, and co-pay of 5% or 15% by age.","analysis":{"state":"machine","analysed_at":"2026-10-19 21:48:12.031221+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Individual","Floater"],"display":"Individual/ Floater","note":null,"quote":"Product Type | Individual/ Floater","sources":[{"clause":"12","heading":"TABLE OF BENEFITS","page":14,"url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/12961#c-12"}],"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":"1 year","note":null,"quote":"Policy Period means period of one year as mentioned in the schedule for which the Policy is issued.","sources":[{"clause":"3.46","heading":"Policy Period","page":4,"url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/12961#c-3-46"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"For emergency hospitalisation, notice with full particulars must be sent within 24hours from the date emergency hospitalization is required or before discharge, whichever is earlier. For planned hospitalisation, notice must be sent at least 48 hours before admission.","display":"Emergency: within 24hours or before discharge, whichever is earlier; planned: at least 48 hours before admission","note":null,"quote":"Notice with full particulars shall be sent to the Company/ TPA (if applicable) as under:\ni) Within 24hours from the date of emergency hospitalization required or before the Insured Person’s discharge from Hospital, whichever is earlier.\nii) At least 48 hours prior to admission in Hospital in case of a planned Hospitalization.","sources":[{"clause":"9.1","heading":"Notification of Claim","page":9,"url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/12961#c-9-1"}],"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":["Duly completed claim form","Photo Identity proof of the patient","Medical practitioner’s prescription advising admission.","Original bills with itemized break-up","Payment receipts","Discharge summary including complete medical history of the patient along with other details.","Investigation/ Diagnostic test reports etc. supported by the prescription from attending medical practitioner","OT notes or Surgeon's certificate giving details of the operation performed (for surgical cases).","Sticker/Invoice of the Implants, wherever applicable.","MLR (Medico Legal Report copy if carried out and FIR (First information report) if registered, where ever applicable.","NEFT Details (to enable direct credit of claim amount in bank account) and cancelled cheque","KYC (Identity proof with Address) of the proposer, where claim liability is above Rs. 1 Lakh as per AML Guidelines","Legal heir/succession certificate, wherever applicable","Any other relevant document required by Company/TPA for assessment of the claim."],"display":"Claim form, ID proof, admission prescription, original itemised bills, receipts, discharge summary, investigation reports, OT notes, implant invoice, MLR/FIR where applicable, NEFT/cancelled cheque, KYC above Rs. 1 Lakh, legal heir certificate, and any other relevant document","note":null,"quote":"i) Duly completed claim form\nii) Photo Identity proof of the patient\niii) Medical practitioner’s prescription advising admission.\niv) Original bills with itemized break-up\nv) Payment receipts\nvi) Discharge summary including complete medical history of the patient along with other details.\nvii) Investigation/ Diagnostic test reports etc. supported by the prescription from attending medical practitioner\nviii) OT notes or Surgeon's certificate giving details of the operation performed (for surgical cases).\nix) Sticker/Invoice of the Implants, wherever applicable.\nx) MLR (Medico Legal Report copy if carried out and FIR (First information report) if registered, where ever applicable.\nxi) NEFT Details (to enable direct credit of claim amount in bank account) and cancelled cheque\nxii) KYC (Identity proof with Address) of the proposer, where claim liability is above Rs. 1 Lakh as per AML Guidelines\nxiii) Legal heir/succession certificate, wherever applicable\nxiv) Any other relevant document required by Company/TPA for assessment of the claim.","sources":[{"clause":"9.2","heading":"Documents to be submitted","page":9,"url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/12961#c-9-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The company shall settle or reject a claim within 15 days from receipt of the last necessary document. If investigation is warranted, it must complete investigation not later than 30 days and settle or reject the claim within 45 days from receipt of the last necessary document, with interest at 2% above bank rate for delay.","display":"15 days from last necessary document; investigation cases: 30 days to investigate and 45 days to settle/reject; delay interest 2% above bank rate","note":null,"quote":"i) The Company shall settle or reject a claim, as the case may be, within 15 days from the date of receipt of last necessary document. ... ii) In the case of delay in the payment of a claim, the Company shall be liable to pay interest to the policyholder from the date of receipt of last necessary document to the date of payment of claim at a rate 2% above the bank rate. ... iii) 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. ... iv) 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":"9.4(i)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/12961#c-9-4-i"},{"clause":"9.4(ii)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/12961#c-9-4-ii"},{"clause":"9.4(iii)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/12961#c-9-4-iii"},{"clause":"9.4(iv)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/12961#c-9-4-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":["Expenses related to the treatment of a Pre-Existing Disease (PED) and its direct complications","Expenses related to the treatment of any illness within 30 days from the first policy commencement date","Expenses related to the treatment of the listed Conditions, surgeries/treatments","Expenses related to any admission primarily for diagnostics and evaluation purposes only","Expenses related to any admission primarily for enforced bed rest and not for receiving treatment.","Expenses related to the surgical treatment of obesity that does not fulfil all the below conditions","Expenses related to any treatment, including surgical management, to change characteristics of the body to those of the opposite sex.","Expenses for cosmetic or plastic surgery or any treatment to change appearance","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","Any expenses incurred on Domiciliary Hospitalization and OPD treatment","Treatment taken outside the geographical limits of India"],"display":"PED, first 30 days illness, specified disease/procedure waiting periods, diagnostic admissions, rest cure, obesity surgery outside conditions, gender change treatment, cosmetic surgery, professional adventure sports, criminal breach of law, alcohol/drug abuse, domiciliary/OPD, and treatment outside India","note":null,"quote":"Expenses related to the treatment of a Pre-Existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 (thirty six) months ... Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident ... Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 24 (twenty four) months ... 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 the surgical treatment of obesity that does not fulfil all the below conditions: ... Expenses related to any treatment, including surgical management, to change characteristics of the body to those of the opposite sex. ... Expenses for cosmetic or plastic surgery or any treatment to change appearance ... 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) ... Any expenses incurred on Domiciliary Hospitalization and OPD treatment ... Treatment taken outside the geographical limits of India","sources":[{"clause":"6.1","heading":"Pre-Existing Diseases (Excl 01)","page":6,"url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/12961#c-6-1"},{"clause":"6.2","heading":"First 30 days waiting period (Excl 03)","page":6,"url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/12961#c-6-2"},{"clause":"6.3","heading":"Specified disease/procedure waiting period (Excl 02)","page":7,"url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/12961#c-6-3"},{"clause":"7.1","heading":"Investigation & Evaluation (Code – Excl 04)","page":7,"url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/12961#c-7-1"},{"clause":"7.2","heading":"Rest Cure, rehabilitation and respite care (Code- Excl 05)","page":7,"url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/12961#c-7-2"},{"clause":"7.3","heading":"Obesity/ Weight Control (Code- Excl 06)","page":7,"url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/12961#c-7-3"},{"clause":"7.4","heading":"Change-of-Gender treatments (Code – Excl 07)","page":7,"url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/12961#c-7-4"},{"clause":"7.5","heading":"Cosmetic or plastic Surgery (Code – Excl 08)","page":8,"url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/12961#c-7-5"},{"clause":"7.6","heading":"Hazardous or Adventure sports: (Code – Excl 09)","page":8,"url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/12961#c-7-6"},{"clause":"7.7","heading":"Breach of law (Code – Excl 10)","page":8,"url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/12961#c-7-7"},{"clause":"7.9","heading":"Drug/Alcohol Abuse (Excl 12)","page":8,"url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/12961#c-7-9"},{"clause":"7.18","heading":"Any expenses incurred on Domiciliary Hospitalization and OPD treatment","page":8,"url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/12961#c-7-18"},{"clause":"7.19","heading":"Treatment taken outside the geographical limits of India","page":9,"url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/12961#c-7-19"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First submit the grievance in writing to the Policy Issuing Office or the Grievance cell at the Regional Office of the Company. If it remains unaddressed, contact the Customer Relationship Management Department of National Insurance Company Limited.","display":"Policy Issuing Office or Grievance cell at Regional Office; if unaddressed, CRM Dept., National Insurance Company Limited","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:\nCustomer Relationship Management Dept., National Insurance Company Limited, Premises No. 18-0374, Plot no. CBD-81, New Town, Kolkata - 700156, email: customer.relations@nic.co.in, griho@nic.co.in","sources":[{"clause":"11","heading":"REDRESSAL OF GRIEVANCE","page":13,"url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/12961#c-11"}],"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":"Sum insured is available from ₹ 50,000 to ₹ 10L, in multiples of ₹ 50,000, on individual or floater basis.","display":"₹ 50,000 to ₹ 10L, in multiple of ₹ 50,000","note":null,"quote":"Sum insured | ₹ 50,000 to ₹ 10L, in multiple of ₹ 50,000\nSum insured | On Individual basis – SI shall apply to each individual family member\nOn Floater basis – SI shall apply to the entire family","sources":[{"clause":"12","heading":"TABLE OF BENEFITS","page":14,"url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/12961#c-12"}],"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":"This exclusion does not apply to covered accident claims.","quote":"Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered.","sources":[{"clause":"6.2","heading":"First 30 days waiting period (Excl 03)","page":6,"url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/12961#c-6-2"}],"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 (thirty six) months","note":"Applies to declared pre-existing diseases accepted by the insurer; enhancement of sum insured applies afresh to the increased portion.","quote":"Expenses related to the treatment of a Pre-Existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 (thirty six) months of continuous coverage after the date of inception of the first policy with us.","sources":[{"clause":"6.1","heading":"Pre-Existing Diseases (Excl 01)","page":6,"url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/12961#c-6-1"}],"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":"months","amount":24},"display":"24 (twenty four) months","note":"36 Months waiting period applies to treatment for joint replacement unless arising from accident, and age-related osteoarthritis and osteoporosis.","quote":"Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 24 (twenty four) months of continuous coverage after the date of inception of the first policy with us. ... ii) 36 Months waiting period\n1. Treatment for joint replacement unless arising from accident\n2. Age-related Osteoarthritis & Osteoporosis","sources":[{"clause":"6.3","heading":"Specified disease/procedure waiting period (Excl 02)","page":7,"url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/12961#c-6-3"},{"clause":"6.3(f)(ii)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/12961#c-6-3-f-ii"}],"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":["Benign ENT disorders","Tonsillectomy","Adenoidectomy","Mastoidectomy","Tympanoplasty","Hysterectomy","All internal and external benign tumours, cysts, polyps of any kind, including benign breast lumps","Benign prostate hypertrophy","Cataract and age related eye ailments","Gastric/ Duodenal Ulcer","Gout and Rheumatism","Hernia of all types","Hydrocele","Non Infective Arthritis","Piles, Fissures and Fistula in anus","Pilonidal sinus, Sinusitis and related disorders","Prolapse inter Vertebral Disc and Spinal Diseases unless arising from accident","Calculi in urinary system, Gall Bladder and Bile duct, excluding malignancy.","Varicose Veins and Varicose Ulcers","Internal Congenital Anomalies","Treatment for joint replacement unless arising from accident","Age-related Osteoarthritis & Osteoporosis"],"display":"Benign ENT disorders, tonsillectomy, adenoidectomy, mastoidectomy, tympanoplasty, hysterectomy, benign tumours/cysts/polyps, benign prostate hypertrophy, cataract, gastric/duodenal ulcer, gout and rheumatism, hernia, hydrocele, non-infective arthritis, piles/fissures/fistula, pilonidal sinus/sinusitis, spinal disc/diseases, urinary/gall bladder/bile duct calculi, varicose veins/ulcers, internal congenital anomalies, joint replacement, and age-related osteoarthritis & osteoporosis","note":null,"quote":"i) 24 Months waiting period\n1. Benign ENT disorders | 11. Gout and Rheumatism\n2. Tonsillectomy | 12. Hernia of all types\n3. Adenoidectomy | 13. Hydrocele\n4. Mastoidectomy | 14. Non Infective Arthritis\n5. Tympanoplasty | 15. Piles, Fissures and Fistula in anus\n6. Hysterectomy | 16. Pilonidal sinus, Sinusitis and related disorders\n7. All internal and external benign tumours, | 17. Prolapse inter Vertebral Disc and Spinal\ncysts, polyps of any kind, including | Diseases unless arising from accident\nbenign breast lumps | 18. Calculi in urinary system, Gall Bladder and\n8. Benign prostate hypertrophy | Bile duct, excluding malignancy.\n9. Cataract and age related eye ailments | 19. Varicose Veins and Varicose Ulcers\n10. Gastric/ Duodenal Ulcer | 20. Internal Congenital Anomalies ... ii) 36 Months waiting period\n1. Treatment for joint replacement unless arising from accident\n2. Age-related Osteoarthritis & Osteoporosis","sources":[{"clause":"6.3(f)(i)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/12961#c-6-3-f-i"},{"clause":"6.3(f)(ii)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/12961#c-6-3-f-ii"}],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"quote-verified","value":{"unit":"months","amount":60},"display":"sixty continuous months","note":"For enhanced Basic Sum Insured, sixty continuous months applies from the date of enhancement only 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":"8","heading":"Moratorium Period","page":9,"url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/12961#c-8"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"quote-verified","value":"The insured person may port the policy to other insurers by applying at least 15 days before, but not earlier than 60 days from, the policy renewal date. Accrued continuity benefits for specific waiting periods, pre-existing disease waiting period and moratorium period are carried to the extent of sum insured and accrued cumulative bonus of the previous policy.","display":"Can port to other insurers; apply at least 15 days before and not earlier than 60 days from renewal; continuity benefits for specific waiting periods, PED and moratorium","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 (as part of the sum insured) of the previous policy. Portability benefit shall not apply to any other additional increased Sum Insured.","sources":[{"clause":"10.14","heading":"Portability","page":12,"url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/12961#c-10-14"},{"clause":"10.14(i)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/12961#c-10-14-i"},{"clause":"10.14(ii)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/12961#c-10-14-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":"Renewable throughout the lifetime of the Insured Persons except for covered Children","note":"From the prospectus.","quote":"The Policy can be renewed without break throughout the lifetime of the Insured Persons except for the covered Children","sources":[{"clause":"2.12","heading":"Renewal Terms","page":2,"url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/13058#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 applies on renewals based on individual claims experience.","display":"No loading shall apply on renewals based on individual claims experience","note":null,"quote":"No loading shall apply on renewals based on individual claims experience.","sources":[{"clause":"10.15","heading":"Renewal of Policy","page":12,"url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/12961#c-10-15"}],"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 at any time during the term by giving 7 days written notice. The company refunds proportionate premium for the unexpired policy period if no claim has been made; no refund is made if any claim has been admitted, lodged or any benefit availed.","display":"7 days notice; proportionate refund for unexpired policy period if no claim; no refund if a claim is admitted, lodged or a benefit availed","note":null,"quote":"The policyholder may cancel his/her policy at any time during the term, by giving 7 days notice in writing. The Company shall refund proportionate premium for unexpired policy period, if 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":"10.10(ii)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/12961#c-10-10-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":"10.7","heading":"Territorial Limit","page":11,"url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/12961#c-10-7"}],"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":"thirty (30) days","note":"Applicable at inception of the policy and not on renewals or at the time of porting the policy.","quote":"The insured person shall be allowed free look period of thirty (30) days from date of receipt of the policy document to review the terms and conditions of the policy.","sources":[{"clause":"10.19","heading":"Free look period","page":12,"url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/12961#c-10-19"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"thirty days","note":null,"quote":"The Grace Period for payment of the premium shall be thirty days.","sources":[{"clause":"3.22","heading":"Grace Period","page":2,"url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/12961#c-3-22"}],"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 must be 18 years and above, and there is no upper limit on entry age of any eligible family member. Dependent children may be covered from 3 months to 25 years if parent(s) are covered at the same time.","display":"Proposer: 18 years and above; eligible family member: no upper limit; dependent children: 3 months to 25 years","note":"From the prospectus.","quote":"i. Entry age of Proposer should be eighteen (18) years and above. ... iii) No upper limit on entry age of any eligible family member.\niv) Dependent children (natural or legally adopted) between the entry age of three (03) months and twenty five (25) years may be covered, provided parent(s) is/are covered at the same time.","sources":[{"clause":null,"heading":"2.3Eligibility","page":1,"url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/13058#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":["Quarterly","Half Yearly","Yearly"],"display":"Quarterly, Half Yearly and Yearly","note":"From the prospectus; premium paying frequency other than Yearly is allowed subject to each instalment being at least INR 1,000/-.","quote":"Premium for the Policy may be paid in instalments of Quarterly, Half Yearly as well as Yearly, as opted in the Proposal Form.","sources":[{"clause":"2.6","heading":"Instalment Facility","page":1,"url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/13058#c-2-6"}],"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":["National Home Care Treatment Add-On"],"display":"National Home Care Treatment Add-On: INR 10,000/ 15,000/ 20,000/ 25,000/ 30,000/ 35,000/ 40,000/ 45,000/ 50,000, subject to 10% of Basic SI","note":null,"quote":"National Home Care Treatment Add-On | INR 10,000/ 15,000/ 20,000/ 25,000/ 30,000/ 35,000/ 40,000/ 45,000/ 50,000, subject to 10% of Basic SI under base Policy.","sources":[{"clause":null,"heading":"Add-Ons Available","page":14,"url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/12961#c-add-ons-available"}],"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":"For instalment premium due during the policy period, coverage is available during the grace period if the premium is paid within the grace period. For renewal, coverage is not available during the period for which no premium is received.","display":"Instalment premium: covered during grace period if paid within grace period; renewal: no coverage during unpaid grace period","note":null,"quote":"In case of Premium payment in instalments, if the due instalment premium is paid within Grace Period during the Policy 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":"3.22","heading":"Grace Period","page":2,"url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/12961#c-3-22"}],"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":"quote-verified","value":"Room rent, boarding and nursing expenses are covered up to 2% of the sum insured, subject to a maximum of Rs. 5,000 per day.","display":"Up to 2% of sum insured, maximum Rs. 5,000 per day","note":null,"quote":"Room Rent, Boarding, Nursing Expenses all inclusive as provided by the Hospital / Nursing Home up to 2% of the sum insured subject to maximum of Rs. 5,000/-per day","sources":[{"clause":"4.1","heading":"Hospitalization","page":5,"url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/12961#c-4-1"}],"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-applicable","value":null,"display":null,"note":"The policy uses a monetary room-rent sub-limit, not a room category.","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":"quote-verified","value":"ICU/ICCU expenses are covered up to 5% of the sum insured, subject to a maximum of Rs. 10,000 per day.","display":"Up to 5% of sum insured, maximum Rs. 10,000 per day","note":null,"quote":"Intensive Care Unit (ICU) / Intensive Cardiac Care Unit (ICCU) expenses up to 5% of the sum insured subject to maximum of Rs. 10,000/- per day","sources":[{"clause":"4.1","heading":"Hospitalization","page":5,"url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/12961#c-4-1"}],"law":[]},{"key":"proportionate_deduction","label":"Proportionate deduction","section":"Limits and co-pay","meaning":"If you choose a room above your limit, whether the insurer reduces associated charges (doctor fees, tests, procedures) by the same proportion.","status":"quote-verified","value":"If admitted to a room at rates exceeding the room limits, reimbursement/payment of associated medical expenses is made in the same proportion as the admissible room rate bears to the actual room rent. Proportionate deduction does not apply if admitted to ICU/ICCU, and excludes pharmacy and consumables, implants and medical devices, and diagnostics.","display":"Yes, for room above limit; not for ICU/ICCU; excludes pharmacy/consumables, implants/medical devices and diagnostics","note":null,"quote":"In case of admission to a Room at rates exceeding the aforesaid limits, the reimbursement/payment of Associated Medical Expenses incurred at the Hospital, shall be effected in the same proportion as the admissible rate per day bears to the actual rate per day of Room Rent charges. Proportionate deduction shall not apply if admitted to ICU/ ICCU. Associated Medical Expenses shall include all related expenses except the following expenses,\na) Cost of pharmacy and consumables;\nb) Cost of implants and medical devices\nc) Cost of diagnostics","sources":[{"clause":"4.1.1","heading":"Other expenses","page":5,"url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/12961#c-4-1-1"}],"law":[]},{"key":"copay","label":"Co-payment","section":"Limits and co-pay","meaning":"The share of every admissible claim you pay yourself, and when it applies (age, zone, choice of hospital).","status":"quote-verified","value":"Every claim is subject to co-payment: 5% on all claims for an insured person aged less than or equal to 75 years at policy inception, and 15% on all claims for an insured person aged greater than 75 years at policy inception.","display":"5% on all claims up to age 75 at policy inception; 15% on all claims above age 75 at policy inception","note":null,"quote":"Each and every claim under the Policy shall be subject to a Co-payment as mentioned below, applicable to claim amount admissible and payable as per the terms and conditions of the Policy. The amount payable shall be after deduction of the co-payment.\n• Co-payment of 5% on all claims for Insured Person aged less than equal to 75 years on policy inception\n• Co-payment of 15% on all claims for Insured Person aged greater than 75 years on policy inception","sources":[{"clause":"9.3","heading":"Co-payment","page":10,"url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/12961#c-9-3"}],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"An amount of each claim or each year that you bear before the policy pays.","status":"quote-verified","value":"Nil deductible.","display":"Nil","note":"From the CIS.","quote":"iii. Deductible iv. Any other limit | i. Room charges (Hospitalization) a. Room Rent, Boarding, Nursing expenses all-inclusive – Up to 2% of SI, subject to max. of INR 5,000/- per day b. ICU / ICCU Charges – Up to 5% of SI, subject to max of INR 10,000/- per day c. In case Room/ ICU/ ICCU rent exceeds the limits specified, the claim shall be subject to the proportion clause. ii. Cataract – Up to 25% of SI or Rs. 40,000/- per eye, whichever is lower. iii. Modern Treatment Procedures – Up to 50% of SI. iv. Ambulance Charges – Up to Rs. 2,000/- per hospitalization 5% Co-pay on all claims for age less than equal to 75 years 15% Co-pay on all claims for age greater than 75 years. Nil Nil","sources":[{"clause":"Row 6","heading":"Exclusions (what the policy does not cover)","page":1,"url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/13145#c-row-6"}],"law":[]},{"key":"disease_sublimits","label":"Disease or procedure sub-limits","section":"Limits and co-pay","meaning":"Caps on what is paid for named treatments (cataract, knee replacement...), even if the sum insured is higher.","status":"quote-verified","value":["Cataract: 25% of Sum Insured or INR 40,000 per eye, whichever is lower, per each eye in one Policy Period","Modern Treatment: 50% of the Sum Insured for the related modern procedure/ component/ medicine of each Modern Treatment during the Policy Period"],"display":"Cataract: 25% of SI or INR 40,000 per eye, whichever is lower; Modern Treatment: 50% of SI for the related modern procedure/component/medicine","note":null,"quote":"The Company shall indemnify medical expenses incurred for treatment of Cataract, subject to a limit of 25% of Sum Insured or INR 40,000 per eye, whichever is lower, per each eye in one Policy Period. ... The following procedures will be covered (wherever medically indicated) either as in patient or as part of day care treatment in a hospital subject to the limit of 50% of the Sum Insured for the related modern procedure/ component/ medicine of each Modern Treatment during the Policy Period:","sources":[{"clause":"4.3","heading":"Cataract Treatment","page":5,"url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/12961#c-4-3"},{"clause":"4.6","heading":"Modern Treatment","page":5,"url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/12961#c-4-6"}],"law":[]},{"key":"pre_hospitalisation","label":"Pre-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days before admission that are paid if related to the hospitalisation.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":null,"quote":"The Company shall indemnify pre-hospitalization medical expenses incurred, related to an admissible hospitalization requiring Inpatient Care, for a fixed period of 30 days prior to the date of admissible Hospitalization covered under the Policy.","sources":[{"clause":"4.4","heading":"Pre Hospitalisation","page":5,"url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/12961#c-4-4"}],"law":[]},{"key":"post_hospitalisation","label":"Post-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days after discharge that are paid if related to the hospitalisation.","status":"quote-verified","value":{"unit":"days","amount":60},"display":"60 days","note":null,"quote":"The Company shall indemnify post hospitalization medical expenses incurred, related to an admissible hospitalization requiring inpatient care, for a fixed period of 60 days from the date of discharge from the hospital, following an admissible hospitalization covered under the Policy.","sources":[{"clause":"4.5","heading":"Post Hospitalisation","page":5,"url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/12961#c-4-5"}],"law":[]},{"key":"day_care","label":"Day-care treatments","section":"Cover","meaning":"Treatments needing less than 24 hours in hospital (chemotherapy, dialysis, cataract) and whether all or only listed ones are covered.","status":"quote-verified","value":"All day care treatments are covered. Day Care Treatment means treatment or a surgical procedure undertaken in a hospital/day care centre in less than twenty four (24) hours because of technological advancement, which would otherwise have required more than twenty four hours of hospitalisation.","display":"All the day care treatments","note":"Treatment normally taken on an out-patient basis is not included.","quote":"iv) All the day care treatments ... Day Care Treatment means medical treatment, and/or surgical procedure which is:\ni) undertaken under general or local anesthesia in a hospital/day care centre in less than twenty four (24) hrs because of technological advancement, and\nii) which would have otherwise required a hospitalisation of more than twenty four hours.","sources":[{"clause":"4.1.1","heading":"Other expenses","page":5,"url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/12961#c-4-1-1"},{"clause":"3.16","heading":"Day Care Treatment","page":2,"url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/12961#c-3-16"}],"law":[]},{"key":"domiciliary","label":"Treatment at home","section":"Cover","meaning":"Whether treatment at home is covered when hospital admission is not possible or a doctor advises it.","status":"quote-verified","value":"Domiciliary Hospitalization is excluded.","display":"Excluded","note":null,"quote":"Any expenses incurred on Domiciliary Hospitalization and OPD treatment","sources":[{"clause":"7.18","heading":"Any expenses incurred on Domiciliary Hospitalization and OPD treatment","page":8,"url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/12961#c-7-18"}],"law":[]},{"key":"ayush","label":"AYUSH treatment","section":"Cover","meaning":"Ayurveda, Yoga, Unani, Siddha and Homeopathy treatment in a recognised hospital, and any limit.","status":"quote-verified","value":"Inpatient care treatment under Ayurveda, Yoga and Naturopathy, Unani, Sidha and Homeopathy systems is covered during each policy period up to the sum insured in any AYUSH Hospital.","display":"Covered up to the sum insured in any AYUSH Hospital","note":null,"quote":"The Company shall indemnify Medical Expenses incurred for Inpatient Care treatment under Ayurveda, Yoga and Naturopathy, Unani, Sidha and Homeopathy systems of medicines during each Policy Period up to the limit of sum insured as specified in the policy schedule in any AYUSH Hospital.","sources":[{"clause":"4.2","heading":"AYUSH Treatment","page":5,"url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/12961#c-4-2"}],"law":[{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 1","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 2","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 1","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II A.I(1)","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"modern_treatments","label":"Modern treatments","section":"Cover","meaning":"Robotic surgery, immunotherapy, oral chemotherapy, stem cell therapy and the like, and any cap on them.","status":"quote-verified","value":"Modern treatments are covered where medically indicated as inpatient or day care treatment, subject to 50% of the Sum Insured for the related modern procedure/component/medicine. Listed procedures include UAE & HIFU, balloon sinuplasty, deep brain stimulation, oral chemotherapy, immunotherapy, intravitreal injections, robotic surgery, stereotactic radio surgeries, bronchial thermoplasty, vaporization of the prostrate, IONM and stem cell therapy.","display":"Covered up to 50% of Sum Insured for listed modern procedures","note":null,"quote":"The following procedures will be covered (wherever medically indicated) either as in patient or as part of day care treatment in a hospital subject to the limit of 50% of the Sum Insured for the related modern procedure/ component/ medicine of each Modern Treatment during the Policy Period:\nModern Treatment | Coverage\nUAE & HIFU | Limit is for Procedure cost only\nBalloon Sinuplasty | Limit is for Balloon cost only\nDeep Brain Stimulation | Limit is for implants including batteries only\nOral Chemotherapy | Only cost of medicines payable under this limit, other incidental charges like investigations and consultation charges not payable.\nImmunotherapy | Limit is for cost of injections only.\nIntravitreal injections | Limit is for complete treatment, including Pre & Post Hospitalization\nRobotic Surgery | Limit is for robotic component only.\nStereotactic Radio surgeries | Limit is for radiation procedure.\nBronchial Thermoplasty | Limit is for complete treatment, including Pre & Post Hospitalization\nVaporization of the prostrate | Limit is for LASER component only.\nIONM | Limit is for IONM procedure only.\nStem cell therapy | Limit is for complete treatment, including Pre & Post Hospitalization","sources":[{"clause":"4.6","heading":"Modern Treatment","page":5,"url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/12961#c-4-6"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 2","url":"https://indiainsurances.com/law/irdai-health-mc-2024"}]},{"key":"organ_donor","label":"Organ donor expenses","section":"Cover","meaning":"Whether the donor's hospital costs for an organ transplant are paid.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"ambulance","label":"Ambulance cover","section":"Cover","meaning":"Road (and air) ambulance cover and its limit.","status":"quote-verified","value":"Road ambulance expenses are covered subject to a maximum of Rs 2,000 per hospitalization.","display":"Road ambulance up to Rs 2,000 per hospitalization","note":null,"quote":"Expenses incurred on road Ambulance subject to a maximum of Rs 2,000 per hospitalization.","sources":[{"clause":"4.1.1","heading":"Other expenses","page":5,"url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/12961#c-4-1-1"}],"law":[]},{"key":"restoration","label":"Restoration of sum insured","section":"Cover","meaning":"Whether the sum insured is refilled after it is used up in a year, how much, how often, and whether it works for the same illness.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"no_claim_bonus","label":"No-claim or cumulative bonus","section":"Cover","meaning":"How much the cover grows each year, the maximum, whether it depends on not claiming, and what happens after a claim.","status":"quote-verified","value":"Cumulative Bonus increases by 5% for each claim-free policy period, if renewed without a break, up to 50% of the sum insured. If a claim is made, the accrued cumulative bonus is reduced at the same rate, but the sum insured is maintained.","display":"5% per claim-free Policy Period, maximum 50%; reduced at same rate after a claim","note":null,"quote":"Cumulative Bonus will be increased by 5% in respect of each claim free Policy Period (where no claims are reported and admitted), provided the policy is renewed with the company without a break subject to maximum of 50% of the sum insured under the current Policy Period. If a claim is made in any particular year, the cumulative bonus accrued shall be reduced at the same rate at which it has accrued. However, sum insured will be maintained and will not be reduced in the Policy Period.","sources":[{"clause":"5","heading":"CUMULATIVE BONUS (CB)","page":6,"url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/12961#c-5"}],"law":[]},{"key":"consumables","label":"Consumables and non-medical items","section":"Cover","meaning":"Gloves, PPE, syringes and other items hospitals bill that standard policies exclude; whether this policy pays them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Whether childbirth costs are covered, the limit and the waiting period.","status":"quote-verified","value":"Maternity expenses are excluded, including childbirth expenses, complicated deliveries and caesarean sections, except ectopic pregnancy; miscarriage expenses are excluded unless due to an accident.","display":"Excluded, except ectopic pregnancy; miscarriage only if due to an accident","note":null,"quote":"i) Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during hospitalization) except ectopic pregnancy;\nii) Expenses towards miscarriage (unless due to an accident) and lawful medical termination of pregnancy during the policy period.","sources":[{"clause":"7.15","heading":"Maternity Expenses (Code – Excl 18)","page":8,"url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/12961#c-7-15"}],"law":[]},{"key":"newborn","label":"Newborn baby cover","section":"Cover","meaning":"Whether a newborn is covered from birth and for what.","status":"quote-verified","value":"A newborn is not covered from birth under the base eligibility wording. Dependent children may be covered from 3 months to 25 years, and midterm inclusion is allowed for a newborn between 3 months and 6 months.","display":"Not from birth; dependent children from 3 months to 25 years; newborn inclusion 3 months to 6 months","note":"From the prospectus.","quote":"Dependent children (natural or legally adopted) between the entry age of three (03) months and twenty five (25) years may be covered, provided parent(s) is/are covered at the same time. ... Midterm inclusion of family members at pro-rata premium is allowed only in case of\na) Newborn between the age of three (03) months and six (06) months","sources":[{"clause":null,"heading":"2.3Eligibility","page":1,"url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/13058#c-2-3eligibility"}],"law":[]},{"key":"mental_illness","label":"Mental illness","section":"Cover","meaning":"Cover for in-patient treatment of mental illness.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 3","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch III I","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(4)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 2(1)(s)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(1)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"}]},{"key":"health_checkup","label":"Health check-up","section":"Cover","meaning":"Free preventive check-ups and how often.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"opd","label":"Out-patient (OPD) cover","section":"Cover","meaning":"Doctor consultations, tests and medicines without admission, and the limit.","status":"quote-verified","value":"OPD treatment is excluded.","display":"Excluded","note":null,"quote":"Any expenses incurred on Domiciliary Hospitalization and OPD treatment","sources":[{"clause":"7.18","heading":"Any expenses incurred on Domiciliary Hospitalization and OPD treatment","page":8,"url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/12961#c-7-18"}],"law":[]},{"key":"zone_pricing","label":"Zone or city-based premium","section":"Premium","meaning":"Whether premium or co-pay depends on the city you are treated in.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"quote-verified","value":"Cashless facility 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 preauthorization by the Company or its authorized TPA.","display":"Available if TPA service is opted; Network Provider/PPN or Non Network Provider subject to preauthorization","note":null,"quote":"i) 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 preauthorization by the Company or its authorized TPA.","sources":[{"clause":"9","heading":"CLAIM PROCEDURE","page":9,"url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/12961#c-9"}],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"quote-verified","value":"Claims are serviced by a TPA through pre-authorization of cashless treatment or processing of other claims, but the TPA services do not include claim settlement and claim rejection.","display":"TPA services claims; claim settlement and rejection are not by TPA","note":null,"quote":"Servicing of claims, i.e., claim admissions and assessments, under this Policy by way of pre-authorization of cashless treatment or processing of claims other than cashless claims or both, as per the underlying terms and conditions of the policy. The services offered by a TPA shall not include\ni) Claim settlement and claim rejection;","sources":[{"clause":"9.5","heading":"Services Offered by TPA","page":10,"url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/12961#c-9-5"}],"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, on Floater basis SI shall apply to the entire family","note":null,"quote":"Product Type | Individual/ Floater ... On Floater basis – SI shall apply to the entire family","sources":[{"clause":"12","heading":"TABLE OF BENEFITS","page":14,"url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/12961#c-12"}],"law":[]}],"documents":[{"kind":"wording","label":"ASP-N Wordings","pages":16,"fetched_at":"2026-10-17 19:55:41+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/ASP-N%20Policy%20Wordings.pdf","url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/12961"},{"kind":"wording","label":"Arogya Sanjeevani Policy, National (IRDAI copy)","pages":18,"fetched_at":"2026-10-20 02:30:59+00","source_url":"https://irdai.gov.in/documents/37343/931203/NICHLIP20174V011920_2019-2020.pdf/1d69bb6f-292b-c785-fa7a-f4f01784e002?version=1.1&t=1668575655702&download=true","url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/28615"},{"kind":"prospectus","label":"ASP-N Prospectus","pages":17,"fetched_at":"2026-10-17 19:58:22+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/ASP-N%20Prospectus.pdf","url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/13058"},{"kind":"cis","label":"ASP-N CIS","pages":6,"fetched_at":"2026-10-17 20:01:03+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/ASP-N%20CIS_0.pdf","url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/13145"},{"kind":"premium","label":"ASP-N Rate Chart","pages":null,"fetched_at":"2026-10-17 19:51:49+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/ASP-N%20Rate%20Chart.pdf","url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/30364"},{"kind":"proposal","label":"ASP-N Proposal Form","pages":null,"fetched_at":"2026-10-17 20:00:20+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/ASP-N%20Proposal%20Form.pdf","url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/30383"},{"kind":"claim-form","label":"ASP-N Claim Form","pages":null,"fetched_at":"2026-10-17 20:01:28+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/ASP%20Claim%20Form_0.pdf","url":"https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425/document/30403"}],"versions":[{"uin":"NICHLIP20174V011920","version":null,"approved_on":null},{"uin":"NICHLIP25041V022425","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"National Insurance official website","url":"https://nationalinsurance.nic.co.in","note":"Website as listed by IRDAI. Not checked: the site could not be reached from our crawler on 2026-10-19 (connection or TLS error)."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Arogya Sanjeevani Policy - National (UIN NICHLIP25041V022425), IndiaInsurances, https://indiainsurances.com/policy/national-insurance/arogya-sanjeevani-policy-national-nichlip25041v022425"}