{"uin":"NICPAGP27057V012627","name":"Group National Amartya Siksha Yojana Insurance Policy","url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627","insurer":{"slug":"national-insurance","name":"National Insurance Company Limited","url":"https://indiainsurances.com/insurer/national-insurance"},"line":"health","category":"group-health","category_name":"Group health","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"This is a group policy for educational institutes covering outstanding education expenses if the insured parent or guardian dies or is permanently totally disabled due to an accident. It can run for one to five years and has optional covers including critical illness, job loss, gadget protection and a Rs. 5 lac Family Floater Health Protect cover.","analysis":{"state":"machine","analysed_at":"2026-10-19 22:07:13.707671+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"The documents describe Basic Cover and Optional Covers, but do not name separate plan variants.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"Policy can be issued for one, two, three, four or five years, as per course duration.","display":"one /two/three/four/five years (as per course duration)","note":null,"quote":"Policy can be issued for one /two/three/four/five years (as per course duration).","sources":[{"clause":"2.4","heading":"Policy period","page":3,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13133#c-2-4"}],"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 hospitalisation, planned claims must be intimated at least 72 hours before admission and emergency claims within 24 hours of admission. For accident-related events under the whole policy, written notice with full particulars must be given within one calendar month from Accident unless reasonable cause is shown.","display":"Planned hospitalisation: at least 72 hours before admission; emergency hospitalisation: within 24 hours of admission; accident events: within one calendar month from Accident","note":"The policy prints the same 72-hour and 24-hour deadlines for reimbursement hospitalisation claims.","quote":"In the event of planned Hospitalisation | At least seventy two (72) hours prior to the Insured Person’s admission to Network Provider ... In the event of emergency Hospitalisation | Within twenty four (24) hours of the Insured Person’s admission to Network Provider ... written notice with full particulars must be given to the Company within one calendar months from Accident unless reasonable cause is shown","sources":[{"clause":"6.1.1","heading":"Notification of Claim","page":13,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13057#c-6-1-1"},{"clause":"6.8","heading":"Notification of claim","page":18,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13057#c-6-8"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Completed claim form","Medical practitioner’s prescription advising admission for inpatient treatment.","Cash-memo from the hospital (s)/chemist (s) supported by proper prescription from attending medical practitioner for Pre Hospitalisation, Hospitalisation and Post Hospitalisation.","Payment receipt, investigation test reports and associated plates/CDs in original","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.","Photo Identity Proof of the Insured Person","Copy of FIR/ Panchnama /Police Inquest Report","Original Policy Schedule","Any other relevant document required by the Company for assessment of the claim"],"display":"Completed claim form, medical/hospital bills and reports, identity proof, FIR where required, original policy schedule and any other relevant document required","note":"Additional documents vary by claim type, such as death certificate/post-mortem for death, disability certificate for disablement, medical reports for critical illness or coma, evacuation receipts for medical evacuation, and section-specific documents for gadget and family floater health claims.","quote":"i) Completed claim form ii) Medical practitioner’s prescription advising admission for inpatient treatment. iii) Cash-memo from the hospital (s)/chemist (s) supported by proper prescription from attending medical practitioner for Pre Hospitalisation, Hospitalisation and Post Hospitalisation. ... ii) Photo Identity Proof of the Insured Person ... iii) Copy of FIR/ Panchnama /Police Inquest Report (wherever these reports are required as per the circumstance of the Accident) duly attested by the concerned Police Station ... v) Original Policy Schedule ... vi) Any other relevant document required by the Company for assessment of the claim","sources":[{"clause":"6.1.4","heading":"Documents","page":14,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13057#c-6-1-4"},{"clause":"6.9(ii)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13057#c-6-9-ii"},{"clause":"6.9(iii)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13057#c-6-9-iii"},{"clause":"6.9(v)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13057#c-6-9-v"},{"clause":"6.9(vi)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13057#c-6-9-vi"}],"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 must settle or reject a claim within 15 days from receipt of the last necessary document. If investigation is needed, it must complete the 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; investigated claims within 45 days","note":"For delay, the policy provides 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. ... 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":"6.11(i)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13057#c-6-11-i"},{"clause":"6.11(iii)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13057#c-6-11-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 thirty six (36) 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","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","Any expenses incurred on Domiciliary Hospitalization and OPD treatment","Treatment taken outside the geographical limits of India","Any intentional self-injury, suicide or Injury from attempted suicide."],"display":"Waiting periods for PED, specified diseases and first 30 days; diagnostics-only admission, rest cure, change of gender, cosmetic surgery, professional hazardous sports, breach of law, alcohol/drug abuse, childbirth, domiciliary/OPD, treatment outside India and self-inflicted injury are excluded","note":"Health exclusions apply to the optional Family Floater Health Protect cover; the accident covers also have their own whole-policy exclusions.","quote":"Expenses related to the treatment of a Pre-Existing Disease (PED) and its direct complications shall be excluded until the expiry of thirty six (36) months ... 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 ... 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 ... Any expenses incurred on Domiciliary Hospitalization and OPD treatment ... Treatment taken outside the geographical limits of India ... Any intentional self-injury, suicide or Injury from attempted suicide.","sources":[{"clause":"4.1","heading":"Pre-Existing Diseases","page":11,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13057#c-4-1"},{"clause":"4.2(a)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13057#c-4-2-a"},{"clause":"4.3","heading":"First 30 days waiting period","page":11,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13057#c-4-3"},{"clause":"5.1","heading":"Investigation & Evaluation","page":12,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13057#c-5-1"},{"clause":"5.2","heading":"Rest Cure, Rehabilitation and Respite Care","page":12,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13057#c-5-2"},{"clause":"5.4","heading":"Change-of-Gender Treatments","page":12,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13057#c-5-4"},{"clause":"5.5","heading":"Cosmetic or Plastic Surgery","page":12,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13057#c-5-5"},{"clause":"5.6","heading":"Hazardous or Adventure Sports","page":12,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13057#c-5-6"},{"clause":"5.7","heading":"Breach of Law","page":12,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13057#c-5-7"},{"clause":"5.9","heading":"Drug/Alcohol Abuse","page":12,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13057#c-5-9"},{"clause":"5.15","heading":"Maternity","page":12,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13057#c-5-15"},{"clause":"5.24","heading":"Domiciliary Hospitalization & Out Patient Department (OPD) treatment","page":13,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13057#c-5-24"},{"clause":"5.33","heading":"Treatment taken outside the geographical limits of India","page":13,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13057#c-5-33"},{"clause":null,"heading":"5.2 Intentional Self-Inflicted Injury","page":17,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13057#c-5-2-intentional-self-inflicted-injury"}],"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 the Regional Office. If it remains unaddressed, contact the Customer Relationship Management Department of National Insurance Company Limited; the document also refers to Bima Bharosa and the Insurance Ombudsman.","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","sources":[{"clause":null,"heading":"7 REDRESSAL OF GRIEVANCE","page":21,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13057#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":"Basic cover pays outstanding educational expenses up to the SI, with minimum SI Rs. 50,000 and maximum SI Rs. 1,00,00,000 per insured student. The optional Family Floater Health Protect cover is Rs. 5 lac for family of student and parents.","display":"Basic Cover: Rs. 50,000 to Rs. 1,00,00,000 per Insured Student; Family Floater Health Protect: Rs. 5 lac","note":"Other optional covers have separate limits, such as Critical Illness, Personal Accident, Emergency Medical Evacuation and Gadget Protection.","quote":"Outstanding educational expenses, as defined, up to the SI Minimum SI - Rs. 50,000/- per Insured Student Maximum SI - Rs. 1,00,00,000/- per Insured Student ... Family Floater Health Protect | Rs. 5 lac for family of student and parents","sources":[{"clause":"Row 1","heading":"Death of Insured Person due to Accident","page":22,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13057#c-row-1-2"},{"clause":"Row 1","heading":"Family Floater Health Protect","page":23,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13057#c-row-1-3"}],"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":"Applies to illness claims under the optional Family Floater Health Protect cover; accident claims are excepted if covered.","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","page":11,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13057#c-4-3"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"quote-verified","value":{"unit":"months","amount":36},"display":"36 months","note":"Applies to the optional Family Floater Health Protect cover.","quote":"Expenses related to the treatment of a Pre-Existing Disease (PED) and its direct complications shall be excluded until the expiry of thirty six (36) months of continuous coverage after the date of inception of the first policy with us.","sources":[{"clause":"4.1","heading":"Pre-Existing Diseases","page":11,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13057#c-4-1"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"quote-verified","value":{"unit":"days","amount":90},"display":"90 days","note":"The listed tiers are 90 days, one year, two years and three years. The policy text says morbid obesity treatment has a Waiting Period of three (03) years, while the Table of Benefits says Obesity has a Waiting period of 4 years.","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) ... ii. One year Waiting Period ... iii. Two years Waiting Period ... iv. Three years Waiting Period","sources":[{"clause":"4.2(a)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13057#c-4-2-a"},{"clause":"4.2(e)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13057#c-4-2-e"}],"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":["90 Days Waiting Period (Life Style Conditions): Hypertension and related complications; Diabetes and related complications; Cardiac conditions; Hydrocele; Fissure/Fistula in anus; Piles (Haemorrhoids); Sinusitis and related disorders","One year Waiting Period: Benign ENT disorders; Tonsillectomy; Adenoidectomy; Mastoidectomy; Tympanoplasty; Polycystic ovarian disease; Non-infective arthritis; Pilonidal sinus; Gout and Rheumatism; Calculus diseases; Surgery of gall bladder and bile duct excluding malignancy","Two years Waiting Period: Cataract and age related eye ailments; Refractive error of the eye more than 7.5 dioptres; Benign prostatic hypertrophy; Hernia; Surgery of genito-urinary system excluding malignancy; Surgery for prolapsed intervertebral disc unless arising from accident; Surgery of varicose vein; Congenital Internal Anomaly","Three years Waiting Period: Joint replacement unless necessitated due to an accident; Osteoarthritis and osteoporosis; Obesity and its complications; Stem Cell Therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered."],"display":"90 days lifestyle conditions; one-year ENT and related procedures; two-year cataract, refractive error, hernia and listed surgeries; three-year joint replacement, osteoarthritis/osteoporosis, obesity and stem cell therapy","note":"The same clause text is formatted in two columns; obesity and stem cell therapy appear in the three-year tier text.","quote":"i. 90 Days Waiting Period (Life Style Conditions) | e. Hydrocele a. Hypertension and related complications | f. Fissure/Fistula in anus b. Diabetes and related complications | g. Piles (Haemorrhoids) c. Cardiac conditions | h. Sinusitis and related disorders ii. One year Waiting Period | i. Polycystic ovarian disease a. Benign ENT disorders | j. Non-infective arthritis b. Tonsillectomy | k. Pilonidal sinus c. Adenoidectomy | l. Gout and Rheumatism d. Mastoidectomy | m. Calculus diseases e. e. Tympanoplasty | n. Surgery of gall bladder and bile duct excluding malignancy iii. Two years Waiting Period | o. Surgery of genito-urinary system excluding malignancy a. Cataract and age related eye ailments | p. Surgery for prolapsed intervertebral disc unless arising b. Refractive error of the eye more than 7.5 dioptres | from accident c. Benign prostatic hypertrophy | q. Surgery of varicose vein d. Hernia | r. Congenital Internal Anomaly ... iv. Three years Waiting Period | Above diseases/treatments under 4.2.f).iv if pre-existing also, a. Joint replacement unless necessitated due to an accident | shall be covered after single Waiting Period of three (03) years b. Osteoarthritis and osteoporosis | only.","sources":[{"clause":"4.2(e)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13057#c-4-2-e"}],"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":"The moratorium applies to the sums insured of the first policy.","quote":"After completion of sixty continuous months of coverage (including portability and migration) in insurance policy, no policy and claim shall be contestable by the insurer 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":"6.5","heading":"Moratorium Period","page":15,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13057#c-6-5"}],"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 can 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, PED waiting period and moratorium period are carried to the extent of the previous policy sum insured.","display":"Yes, with continuity benefits, by applying at least 15 days before and not earlier than 60 days from renewal","note":"Portability benefit is offered only to the extent of the previous policy Sum Insured.","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 group/ family, 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","sources":[{"clause":"6.4","heading":"Portability","page":15,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13057#c-6-4"}],"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, subject to Eligibility","note":"The wording also says cover terminates after settlement of 100% Sum Insured under Death or Permanent Total Disability and no renewal of contract will be permissible.","quote":"Policy can be renewed annually throughout the lifetime of the insured, subject to Eligibility.","sources":[{"clause":"2.9","heading":"Renewal of Policy","page":4,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13133#c-2-9"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"quote-verified","value":["Investigation & Evaluation","Rest Cure, Rehabilitation and Respite Care","Change-of-Gender Treatments","Cosmetic or Plastic Surgery","Hazardous or Adventure Sports","Breach of Law","Excluded Providers","Drug/Alcohol Abuse","Non Medical Admissions","Birth control, Sterility and Infertility","Maternity","Self Inflicted Injury","Dental treatment, unless necessitated due to an Injury.","Any expenses incurred on Domiciliary Hospitalization and OPD treatment","Treatment taken outside the geographical limits of India"],"display":"Investigation and evaluation, rest cure, change-of-gender treatment, cosmetic surgery, professional hazardous sports, breach of law, excluded providers, drug/alcohol abuse, non-medical admissions, infertility, maternity, self-inflicted injury, dental except injury, domiciliary/OPD and treatment outside India","note":"The policy also provides that disclosed existing diseases mentioned in the policy schedule may be permanently excluded for specified ICD codes.","quote":"Investigation & Evaluation ... Rest Cure, Rehabilitation and Respite Care ... Change-of-Gender Treatments ... Cosmetic or Plastic Surgery ... Hazardous or Adventure Sports ... Breach of Law ... Excluded Providers ... Drug/Alcohol Abuse ... Non Medical Admissions ... Birth control, Sterility and Infertility ... Maternity ... Self Inflicted Injury ... Dental treatment, unless necessitated due to an Injury. ... Any expenses incurred on Domiciliary Hospitalization and OPD treatment ... Treatment taken outside the geographical limits of India","sources":[{"clause":"5.1","heading":"Investigation & Evaluation","page":12,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13057#c-5-1"},{"clause":"5.2","heading":"Rest Cure, Rehabilitation and Respite Care","page":12,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13057#c-5-2"},{"clause":"5.4","heading":"Change-of-Gender Treatments","page":12,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13057#c-5-4"},{"clause":"5.5","heading":"Cosmetic or Plastic Surgery","page":12,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13057#c-5-5"},{"clause":"5.6","heading":"Hazardous or Adventure Sports","page":12,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13057#c-5-6"},{"clause":"5.7","heading":"Breach of Law","page":12,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13057#c-5-7"},{"clause":"5.8","heading":"Excluded Providers","page":12,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13057#c-5-8"},{"clause":"5.9","heading":"Drug/Alcohol Abuse","page":12,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13057#c-5-9"},{"clause":"5.10","heading":"Non Medical Admissions","page":12,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13057#c-5-10"},{"clause":"5.14","heading":"Birth control, Sterility and Infertility","page":12,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13057#c-5-14"},{"clause":"5.15","heading":"Maternity","page":12,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13057#c-5-15"},{"clause":"5.18","heading":"Self Inflicted Injury","page":13,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13057#c-5-18"},{"clause":"5.23","heading":"Dental treatment","page":13,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13057#c-5-23"},{"clause":"5.24","heading":"Domiciliary Hospitalization & Out Patient Department (OPD) treatment","page":13,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13057#c-5-24"},{"clause":"5.33","heading":"Treatment taken outside the geographical limits of India","page":13,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13057#c-5-33"}],"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. For a term up to one year, the insurer refunds proportionate premium for the unexpired policy period if no claim is made; for terms over one year, it refunds premium for unexpired policy years where risk has not commenced and proportionate premium for the current unexpired policy period, with no refund where a claim has been admitted, lodged or any benefit availed.","display":"7 days’ notice; proportionate refund if no claim, with special rule for terms more than 1 year","note":null,"quote":"The Policyholder may cancel his/her Policy at any time during the term, by giving 7 days’ notice in writing. ... refund proportionate premium for unexpired Policy Period, if the term of Policy upto one year and there is no claim (s) made during the Policy Period. ... refund premium for the unexpired Policy Period, in respect of policies with term more than 1 year and risk coverage for such Policy years has not commenced and refund proportionate premium for unexpired Policy Period for the current Policy year. There shall be no refund for the completed Policy year elapsed. 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":"6.17(ii)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13057#c-6-17-ii"},{"clause":"6.17(a)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13057#c-6-17-a"},{"clause":"6.17(b)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13057#c-6-17-b"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"Medical treatment for the purpose of the policy has to be taken in India only.","display":"India only for medical treatment","note":"A general territorial-limit clause elsewhere in the same wording says coverage is available worldwide except Daily Cash Allowance and Legal Divorce; for medical treatment, the specific clause says India only.","quote":"All medical treatment for the purpose of this Policy will have to be taken in India only. ... The coverage under this Policy is available worldwide, except Daily Cash Allowance and Legal Divorce.","sources":[{"clause":"6.2","heading":"Territorial Limit","page":15,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13057#c-6-2"},{"clause":"6.13","heading":"Territorial Limit","page":19,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13057#c-6-13"}],"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 days","note":"The clause says this applies on new individual health insurance policies, not renewals, and is available for policies with a term of one year or more.","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.","sources":[{"clause":"6.23","heading":"Free Look Period","page":21,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13057#c-6-23"}],"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. Coverage shall not be available during the period for which no premium is received.","sources":[{"clause":null,"heading":"4.7Grace Period","page":17,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13057#c-4-7grace-period"}],"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 student must be aged 3 to 35 years and admitted to the course, school, college or university. Parents or legal guardians must be aged 21 to 80 years.","display":"Student: 3 to 35 years; Parents/Legal Guardian: 21 to 80 years","note":"From the prospectus.","quote":"Student to be covered under this Policy must be in the age group of 3 to 35 years and is admitted to the course /school / college / university. Parents/Legal Guardian aged between 21 to 80 years","sources":[{"clause":"2.2","heading":"Eligibility","page":1,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13133#c-2-2"}],"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":["Premium to be paid in full before the commencement of the Policy."],"display":"Paid in full before commencement","note":"The documents do not state instalment modes such as yearly, half-yearly, quarterly or monthly.","quote":"Premium to be paid in full before the commencement of the Policy.","sources":[{"clause":"2.8","heading":"Payment of premium","page":4,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13133#c-2-8"}],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"quote-verified","value":["Permanent Partial Disability Protect","Job Loss Protect","COMA Protect","Critical Illness Protect","Personal Accident Protect","Emergency Medical Evacuation Protect","Gadget Protection","Family Floater Health Protect"],"display":"Permanent Partial Disability, Job Loss, COMA, Critical Illness, Personal Accident, Emergency Medical Evacuation, Gadget Protection and Family Floater Health Protect","note":"The prospectus says optional covers are opted at group level and opted covers are mandatory for all members in the group without individual choice.","quote":"The Covers listed below are optional and shall be available to Insured Person/ Insured Student in accordance with the terms set out in the Policy, only if the listed cover is opted, the requisite premium is paid and the optional cover is mentioned in the Policy Schedule. ... 3.2.1.A) Permanent Partial Disability Protect ... 3.2.1.B) Job Loss Protect ... 3.2.1.C) COMA Protect ... 3.2.1.D) Critical Illness Protect ... 3.2.2.A) Personal Accident Protect ... 3.2.2.B) Critical Illness Protect ... 3.2.2.C) Emergency Medical Evacuation Protect ... 3.2.2.D) Gadget Protection ... Family Floater Health Protect","sources":[{"clause":"3.2","heading":"Optional Covers","page":1,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13057#c-3-2"},{"clause":null,"heading":"3.2.1.A) Permanent Partial Disability Protect","page":2,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13057#c-3-2-1-a-permanent-partial-disability-protect-2"},{"clause":null,"heading":"3.2.1.B) Job Loss Protect","page":2,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13057#c-3-2-1-b-job-loss-protect"},{"clause":null,"heading":"3.2.1.C) COMA Protect","page":3,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13057#c-3-2-1-c-coma-protect"},{"clause":null,"heading":"3.2.1.D) Critical Illness Protect","page":3,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13057#c-3-2-1-d-critical-illness-protect"},{"clause":null,"heading":"3.2.2.A) Personal Accident Protect","page":4,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13057#c-3-2-2-a-personal-accident-protect"},{"clause":null,"heading":"3.2.2.B) Critical Illness Protect","page":4,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13057#c-3-2-2-b-critical-illness-protect"},{"clause":null,"heading":"3.2.2.C) Emergency Medical Evacuation Protect","page":5,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13057#c-3-2-2-c-emergency-medical-evacuation-protect"},{"clause":null,"heading":"3.2.2.D) Gadget Protection","page":5,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13057#c-3-2-2-d-gadget-protection"},{"clause":"Row 1","heading":"Family Floater Health Protect","page":23,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13057#c-row-1-3"}],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"quote-verified","value":"Coverage is not available during the grace period.","display":"Coverage is not available during the grace period","note":null,"quote":"At the end of the Policy Period, the Policy shall terminate and can be renewed within the Grace period of 30 days to maintain continuity of benefits without break in Policy. Coverage is not available during the grace period.","sources":[{"clause":"6.19","heading":"Renewal of Policy","page":20,"url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13057#c-6-19"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"Daily room limit, if any.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Childbirth cover and any waiting period.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"ped_cover_group","label":"Pre-existing diseases","section":"Waiting periods","meaning":"Whether pre-existing diseases are covered from day one for the group.","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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Amartaya Siksha Yojana Policy Group","pages":24,"fetched_at":"2026-10-17 19:58:24+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-06/Amartaya%20Siksha%20Yojana%20Policy_Group.pdf","url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13057"},{"kind":"prospectus","label":"Amartaya Siksha Yojana Policy Prospectus Group","pages":4,"fetched_at":"2026-10-17 20:00:43+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-06/Amartaya%20Siksha%20Yojana%20Policy_Prospectus_Group.pdf","url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13133"},{"kind":"cis","label":"Amartya Siksha CIS Group","pages":5,"fetched_at":"2026-10-17 20:03:41+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-06/Amartya%20Siksha%20CIS%20Group.pdf","url":"https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627/document/13215"}],"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":"Group National Amartya Siksha Yojana Insurance Policy (UIN NICPAGP27057V012627), IndiaInsurances, https://indiainsurances.com/policy/national-insurance/group-national-amartya-siksha-yojana-insurance-policy-nicpagp27057v012627"}