{"uin":"NICPAIP26049V012526","name":"National Rajrajeshwari Women’s Freedom Policy","url":"https://indiainsurances.com/policy/national-insurance/national-rajrajeshwari-womens-freedom-policy-nicpaip26049v012526","insurer":{"slug":"national-insurance","name":"National Insurance Company Limited","url":"https://indiainsurances.com/insurer/national-insurance"},"line":"health","category":"personal-accident","category_name":"Personal accident","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"National Rajrajeshwari Women’s Freedom Policy is a benefit personal accident policy for girl children and women in the age group of 5-75 years. The basic sum insured is Rs. 1,00,000/- for a girl child and Rs. 2,00,000/- for a woman, with optional covers including critical illness, daily cash allowance, legal divorce and loss of household goods.","analysis":{"state":"machine","analysed_at":"2026-10-19 21:56:11.920839+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 show benefit columns for Girl Child Less than 18 yrs and Woman Above 18 yrs, 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 a period of 1/ 2/ 3 years.","display":"1/ 2/ 3 years","note":"From the prospectus; the policy wording defines Policy Period by reference to the schedule.","quote":"Policy can be issued for a period of 1/ 2/ 3 years.","sources":[{"clause":"2.4","heading":"Policy period","page":2,"url":"https://indiainsurances.com/policy/national-insurance/national-rajrajeshwari-womens-freedom-policy-nicpaip26049v012526/document/13172#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":"conflicting","value":"Written notice with full particulars must be given within one calendar months from Accident unless reasonable cause is shown.","display":"Within one calendar months from Accident unless reasonable cause is shown","note":"Policy wording and prospectus state one calendar months from Accident; CIS says immediate notice and particulars within 14 days.","quote":"In any case, written notice with full particulars must be given to the Company within one calendar months from Accident unless reasonable cause is shown ... Insured shall give immediate notice to the Company on the occurrence of any event giving rise or likely to give rise to claim and shall within 14 days furnish at his own expenses detailed particulars of the loss or damage together with such explanations and evidence to substantiate the claims as the Company may reasonably require.","sources":[{"clause":"6.8","heading":"Notification of claim","page":8,"url":"https://indiainsurances.com/policy/national-insurance/national-rajrajeshwari-womens-freedom-policy-nicpaip26049v012526/document/13082#c-6-8"},{"clause":"11","heading":"Multiple Sclerosis with","page":2,"url":"https://indiainsurances.com/policy/national-insurance/national-rajrajeshwari-womens-freedom-policy-nicpaip26049v012526/document/13226#c-11"}],"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 Insured Person","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","Copy of Medico Legal Certificate (wherever it is required as per the circumstance of the Accident) duly attested by the concerned Hospital","Original Policy for cancellation","Any other relevant document required by the Company for assessment of the claim"],"display":"Duly completed claim form; photo identity proof; FIR/Panchnama/Police Inquest Report where required; Medico Legal Certificate where required; original policy for cancellation; any other relevant document required","note":"Additional documents are required depending on the nature of the claim.","quote":"i) Duly completed claim form\nii) Photo Identity Proof of the Insured Person\niii) 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\niv) Copy of Medico Legal Certificate (wherever it is required as per the circumstance of the Accident) duly attested by the concerned Hospital\nv) Original Policy for cancellation\nvi) Any other relevant document required by the Company for assessment of the claim In addition, the following documents are to be submitted depending on the nature of the claim The Company may specify the documents required in original and waive off any of above required as per their claim procedure","sources":[{"clause":"6.9","heading":"Claim Documents","page":8,"url":"https://indiainsurances.com/policy/national-insurance/national-rajrajeshwari-womens-freedom-policy-nicpaip26049v012526/document/13082#c-6-9"}],"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 the date of receipt of last necessary document. If investigation is warranted, it must complete investigation not later than 30 days and settle or reject within 45 days from the date of receipt of last necessary document.","display":"15 days from last necessary document; 45 days where investigation is warranted","note":null,"quote":"The Company shall settle or reject a claim, as the case may be, within 15 days from the date of receipt of last necessary document. ... However, where the circumstances of a claim warrant an investigation in the opinion of the Company, it shall initiate and complete such investigation at the earliest, in any case not later than 30 days from the date of receipt of last necessary document. In such cases, the Company shall settle or reject the claim within 45 days from the date of receipt of last necessary document.","sources":[{"clause":"6.11(i)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/national-insurance/national-rajrajeshwari-womens-freedom-policy-nicpaip26049v012526/document/13082#c-6-11-i"},{"clause":"6.11(iii)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/national-insurance/national-rajrajeshwari-womens-freedom-policy-nicpaip26049v012526/document/13082#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":["Any Critical Illness, as specified in the Policy, which incepts or manifests during the first 90 days from the inception of the Policy.","A waiting period of 30 days will apply from inception of Policy, before any claim is payable.","Any Pre Existing Disease.","Any disablement or death directly or indirectly arising out of or contributed to be or traceable to any disability existing on the date of issue of this Policy.","Any intentional self-injury, suicide or Injury from attempted suicide.","Any Injury due to misuse or abuse of drugs/alcohol or use of intoxicating substances.","Any Injury directly or indirectly caused by insanity.","Any Injury as a result of committing or attempting to commit a breach of law with criminal intent.","Any Injury directly or indirectly caused by or arising from or attributable to war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, commotion, unrest, rebellion, revolution, insurrection, military or usurped power or confiscation or nationalisation or requisition of or damage by or under the order of any government or public local authority.","Any Injury directly or indirectly caused by or contributed to by nuclear weapons/materials or arising from ionising radiation or contamination by any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel."],"display":"Critical Illness first 90 days; Daily Cash first 30 days; pre-existing disease/disability; self-inflicted injury or suicide; drugs/alcohol; insanity; breach of law; war group perils; radioactivity","note":"The 90-day Critical Illness and 30-day Daily Cash exclusions apply to optional covers.","quote":"i) Waiting Period Any Critical Illness, as specified in the Policy, which incepts or manifests during the first 90 days from the inception of the Policy. ... 1. Waiting Period: A waiting period of 30 days will apply from inception of Policy, before any claim is payable.\n2. Any Pre Existing Disease. ... Any disablement or death directly or indirectly arising out of or contributed to be or traceable to any disability existing on the date of issue of this Policy. ... Any intentional self-injury, suicide or Injury from attempted suicide. ... Any Injury due to misuse or abuse of drugs/alcohol or use of intoxicating substances. ... Any Injury directly or indirectly caused by insanity. ... Any Injury as a result of committing or attempting to commit a breach of law with criminal intent. ... Any Injury directly or indirectly caused by or arising from or attributable to war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, commotion, unrest, rebellion, revolution, insurrection, military or usurped power or confiscation or nationalisation or requisition of or damage by or under the order of any government or public local authority. ... Any Injury directly or indirectly caused by or contributed to by nuclear weapons/materials or arising from ionising radiation or contamination by any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel.","sources":[{"clause":"3.2.1.2(i)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/national-insurance/national-rajrajeshwari-womens-freedom-policy-nicpaip26049v012526/document/13082#c-3-2-1-2-i"},{"clause":"3.2.2.1","heading":"Exclusions specific to this Section","page":4,"url":"https://indiainsurances.com/policy/national-insurance/national-rajrajeshwari-womens-freedom-policy-nicpaip26049v012526/document/13082#c-3-2-2-1"},{"clause":"5.1","heading":"Pre-existing Disability","page":7,"url":"https://indiainsurances.com/policy/national-insurance/national-rajrajeshwari-womens-freedom-policy-nicpaip26049v012526/document/13082#c-5-1"},{"clause":"5.2","heading":"Intentional Self-Inflicted Injury","page":7,"url":"https://indiainsurances.com/policy/national-insurance/national-rajrajeshwari-womens-freedom-policy-nicpaip26049v012526/document/13082#c-5-2"},{"clause":"5.3","heading":"Drug/Alcohol Abuse","page":7,"url":"https://indiainsurances.com/policy/national-insurance/national-rajrajeshwari-womens-freedom-policy-nicpaip26049v012526/document/13082#c-5-3"},{"clause":"5.4","heading":"Insanity","page":7,"url":"https://indiainsurances.com/policy/national-insurance/national-rajrajeshwari-womens-freedom-policy-nicpaip26049v012526/document/13082#c-5-4"},{"clause":"5.5","heading":"Breach of law","page":7,"url":"https://indiainsurances.com/policy/national-insurance/national-rajrajeshwari-womens-freedom-policy-nicpaip26049v012526/document/13082#c-5-5"},{"clause":"5.6","heading":"War group perils","page":7,"url":"https://indiainsurances.com/policy/national-insurance/national-rajrajeshwari-womens-freedom-policy-nicpaip26049v012526/document/13082#c-5-6"},{"clause":"5.7","heading":"Radioactivity","page":7,"url":"https://indiainsurances.com/policy/national-insurance/national-rajrajeshwari-womens-freedom-policy-nicpaip26049v012526/document/13082#c-5-7"}],"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":"For grievance redressal, the insured may write to the Policy Issuing Office or the Grievance cell at the Regional Office. If unaddressed, the insured may contact the Customer Relationship Management Dept., National Insurance Company Limited, before approaching Bima Bharosa or 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, Premises No. 18-0374, Plot no. CBD-81, New Town, Kolkata - 700156, email: customer.relations@nic.co.in, griho@nic.co.in","sources":[{"clause":null,"heading":"REDRESSAL OF GRIEVANCE","page":11,"url":"https://indiainsurances.com/policy/national-insurance/national-rajrajeshwari-womens-freedom-policy-nicpaip26049v012526/document/13082#c-redressal-of-grievance"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days for Daily Cash Allowance; 90 days for Critical Illness","note":"These waiting periods apply to optional covers: Critical Illness and Daily Cash Allowance.","quote":"The Covers listed below are optional and shall be available to Insured Persons 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. ... i) Waiting Period Any Critical Illness, as specified in the Policy, which incepts or manifests during the first 90 days from the inception of the Policy. ... 1. Waiting Period: A waiting period of 30 days will apply from inception of Policy, before any claim is payable.","sources":[{"clause":"3.2","heading":"Optional Covers","page":2,"url":"https://indiainsurances.com/policy/national-insurance/national-rajrajeshwari-womens-freedom-policy-nicpaip26049v012526/document/13082#c-3-2"},{"clause":"3.2.1.2(i)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/national-insurance/national-rajrajeshwari-womens-freedom-policy-nicpaip26049v012526/document/13082#c-3-2-1-2-i"},{"clause":"3.2.2.1","heading":"Exclusions specific to this Section","page":4,"url":"https://indiainsurances.com/policy/national-insurance/national-rajrajeshwari-womens-freedom-policy-nicpaip26049v012526/document/13082#c-3-2-2-1"}],"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":"not-applicable","value":null,"display":null,"note":"The product does not state a pre-existing disease waiting period; the relevant optional hospital cash cover excludes Any Pre Existing Disease rather than covering it after a waiting period.","quote":null,"sources":[],"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":"not-stated","value":null,"display":null,"note":"No specific illness/procedure waiting period such as cataract, hernia or joint replacement is stated. The documents only state waiting periods for optional Critical Illness and Daily Cash Allowance.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"not-stated","value":null,"display":null,"note":"No list of illnesses or procedures with a specific waiting period is stated.","quote":null,"sources":[],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"quote-verified","value":{"unit":"months","amount":60},"display":"sixty continuous months","note":null,"quote":"After completion of sixty continuous months of coverage, no claim shall be contestable by the Company on grounds of non-disclosure, misrepresentation, except on grounds of established fraud. This period of sixty continuous months is called as Moratorium Period.","sources":[{"clause":"6.21","heading":"Moratorium Period","page":10,"url":"https://indiainsurances.com/policy/national-insurance/national-rajrajeshwari-womens-freedom-policy-nicpaip26049v012526/document/13082#c-6-21"}],"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":"not-stated","value":null,"display":null,"note":"The wording states migration to a similar health insurance product of the Company on product withdrawal, but does not state portability to another insurer with waiting-period credit.","quote":null,"sources":[],"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":"Policy can be renewed annually throughout the lifetime of the insured","note":"From the prospectus.","quote":"Policy can be renewed annually throughout the lifetime of the insured.","sources":[{"clause":"2.9","heading":"Renewal of Policy","page":2,"url":"https://indiainsurances.com/policy/national-insurance/national-rajrajeshwari-womens-freedom-policy-nicpaip26049v012526/document/13172#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":"The documents state revision of terms including premium rates with IRDAI approval, but do not state whether premium can be loaded at renewal because a claim was made.","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":["Pre-existing Disability","Intentional Self-Inflicted Injury","Drug/Alcohol Abuse","Insanity","Breach of law","War group perils","Radioactivity","Critical Illness prior to Inception","Congenital External Anomaly","Sterility, Infertility, Assisted Conception","Pregnancy","Non Prescribed Drug","Cosmetic Treatment, Plastic Surgery, Sex Change, Hormone Replacement Therapy","Massages, Spa, Steam Bath, Naturopathy, Experimental Treatment","Any Pre Existing Disease."],"display":"Pre-existing Disability; Intentional Self-Inflicted Injury; Drug/Alcohol Abuse; Insanity; Breach of law; War group perils; Radioactivity; Critical Illness prior to Inception; Congenital External Anomaly; Sterility, Infertility, Assisted Conception; Pregnancy; Non Prescribed Drug; Cosmetic Treatment, Plastic Surgery, Sex Change, Hormone Replacement Therapy; Massages, Spa, Steam Bath, Naturopathy, Experimental Treatment; Any Pre Existing Disease","note":"The documents do not use standard exclusion codes Excl04 to Excl18.","quote":"5.1 Pre-existing Disability ... 5.2 Intentional Self-Inflicted Injury ... 5.3 Drug/Alcohol Abuse ... 5.4 Insanity ... 5.5 Breach of law ... 5.6 War group perils ... 5.7 Radioactivity ... ii) Critical Illness prior to Inception Any Critical Illness (as defined), the Insured Person is diagnosed with any time prior to the inception of the Policy. ... i. Congenital External Anomaly Congenital external anomaly, defects or anomalies\nii. Sterility, Infertility, Assisted Conception Sterility, infertility/sub fertility, assisted conception procedures.\niii. Pregnancy Pregnancy/childbirth including caesarean section, miscarriage, surrogate or vicarious pregnancy, abortion or complications thereof including changes in chronic conditions arising out of pregnancy. ... iv) Non Prescribed Drug The ingestion of drugs other than those prescribed by a medical practitioner. ... v) Cosmetic Treatment, Plastic Surgery, Sex Change, Hormone Replacement Therapy Cosmetic treatment or aesthetic treatment of any description, change of life or sex change operation. ... vi) Massages, Spa, Steam Bath, Naturopathy, Experimental Treatment Massages, spa, steam bath, shirodhara, udhwarthanam, abhyangam, kayasekham and similar treatment. Expenses for naturopathy, experimental medicine/treatment, unproven procedure/treatment, AYUSH treatments, acupuncture, acupressure, magneto-therapy and similar treatment. ... 2. Any Pre Existing Disease.","sources":[{"clause":"5.1","heading":"Pre-existing Disability","page":7,"url":"https://indiainsurances.com/policy/national-insurance/national-rajrajeshwari-womens-freedom-policy-nicpaip26049v012526/document/13082#c-5-1"},{"clause":"5.2","heading":"Intentional Self-Inflicted Injury","page":7,"url":"https://indiainsurances.com/policy/national-insurance/national-rajrajeshwari-womens-freedom-policy-nicpaip26049v012526/document/13082#c-5-2"},{"clause":"5.3","heading":"Drug/Alcohol Abuse","page":7,"url":"https://indiainsurances.com/policy/national-insurance/national-rajrajeshwari-womens-freedom-policy-nicpaip26049v012526/document/13082#c-5-3"},{"clause":"5.4","heading":"Insanity","page":7,"url":"https://indiainsurances.com/policy/national-insurance/national-rajrajeshwari-womens-freedom-policy-nicpaip26049v012526/document/13082#c-5-4"},{"clause":"5.5","heading":"Breach of law","page":7,"url":"https://indiainsurances.com/policy/national-insurance/national-rajrajeshwari-womens-freedom-policy-nicpaip26049v012526/document/13082#c-5-5"},{"clause":"5.6","heading":"War group perils","page":7,"url":"https://indiainsurances.com/policy/national-insurance/national-rajrajeshwari-womens-freedom-policy-nicpaip26049v012526/document/13082#c-5-6"},{"clause":"5.7","heading":"Radioactivity","page":7,"url":"https://indiainsurances.com/policy/national-insurance/national-rajrajeshwari-womens-freedom-policy-nicpaip26049v012526/document/13082#c-5-7"},{"clause":"3.2.1.2(ii)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/national-insurance/national-rajrajeshwari-womens-freedom-policy-nicpaip26049v012526/document/13082#c-3-2-1-2-ii"},{"clause":"3.2.1.2(iii)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/national-insurance/national-rajrajeshwari-womens-freedom-policy-nicpaip26049v012526/document/13082#c-3-2-1-2-iii"},{"clause":"3.2.1.2(iv)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/national-insurance/national-rajrajeshwari-womens-freedom-policy-nicpaip26049v012526/document/13082#c-3-2-1-2-iv"},{"clause":"3.2.1.2(v)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/national-insurance/national-rajrajeshwari-womens-freedom-policy-nicpaip26049v012526/document/13082#c-3-2-1-2-v"},{"clause":"3.2.1.2(vi)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/national-insurance/national-rajrajeshwari-womens-freedom-policy-nicpaip26049v012526/document/13082#c-3-2-1-2-vi"},{"clause":"3.2.2.1","heading":"Exclusions specific to this Section","page":4,"url":"https://indiainsurances.com/policy/national-insurance/national-rajrajeshwari-womens-freedom-policy-nicpaip26049v012526/document/13082#c-3-2-2-1"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The Policyholder may cancel during the term by giving 7 days’ written notice. The insurer refunds proportionate premium for the unexpired Policy Period for terms up to one year if no claim is made; for terms over 1 year, it refunds premium for policy years whose risk has not commenced and proportionate premium for the current year, with no refund for completed years or where any claim has been admitted, lodged or any benefit availed.","display":"7 days’ notice; proportionate refund for unexpired period if no claim, with special rules 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. The Insurer shall: ... a) 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. ... b) 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":9,"url":"https://indiainsurances.com/policy/national-insurance/national-rajrajeshwari-womens-freedom-policy-nicpaip26049v012526/document/13082#c-6-17-ii"},{"clause":"6.17(a)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/national-insurance/national-rajrajeshwari-womens-freedom-policy-nicpaip26049v012526/document/13082#c-6-17-a"},{"clause":"6.17(b)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/national-insurance/national-rajrajeshwari-womens-freedom-policy-nicpaip26049v012526/document/13082#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":"Coverage under the policy is available worldwide, except Daily Cash Allowance and Legal Divorce.","display":"Worldwide, except Daily Cash Allowance and Legal Divorce","note":null,"quote":"The coverage under this Policy is available worldwide, except Daily Cash Allowance and Legal Divorce.","sources":[{"clause":"6.13","heading":"Territorial Limit","page":9,"url":"https://indiainsurances.com/policy/national-insurance/national-rajrajeshwari-womens-freedom-policy-nicpaip26049v012526/document/13082#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 from date of receipt of the Policy document","note":"Applicable on new individual health insurance policies and not on renewals; 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":10,"url":"https://indiainsurances.com/policy/national-insurance/national-rajrajeshwari-womens-freedom-policy-nicpaip26049v012526/document/13082#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.","sources":[{"clause":"4.6","heading":"Grace Period","page":6,"url":"https://indiainsurances.com/policy/national-insurance/national-rajrajeshwari-womens-freedom-policy-nicpaip26049v012526/document/13082#c-4-6"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"Girl child/ women can buy the policy in the age group of 5-75 years.","display":"5-75 years","note":"From the prospectus.","quote":"Policy can be issued to girl child/ women in the age group of 5-75 years.","sources":[{"clause":"2.1","heading":"Eligibility","page":1,"url":"https://indiainsurances.com/policy/national-insurance/national-rajrajeshwari-womens-freedom-policy-nicpaip26049v012526/document/13172#c-2-1"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["Premium to be paid in full before the commencement of the Policy."],"display":"Premium to be paid in full before the commencement of the Policy","note":"The documents do not state yearly, half-yearly, quarterly or monthly instalment modes.","quote":"Premium to be paid in full before the commencement of the Policy.","sources":[{"clause":"2.8","heading":"Payment of premium","page":2,"url":"https://indiainsurances.com/policy/national-insurance/national-rajrajeshwari-womens-freedom-policy-nicpaip26049v012526/document/13172#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":["Critical Illness (11 standard CIs) of Insured Person","Daily Cash Allowance (due to Hospitalisation of Insured Person, deductible of first 3 days)","Transportation of Mortal Remains/Funeral Expenses of Insured Person","Temporary Total Disablement of Insured Person due to an Accident resulting in In-patient Hospitalisation","Legal Divorce of married Insured Person (Once in lifetime, decree shall be received within Policy)","Children's Education Benefit (in case of death or permanent disability of Insured Person and/or Death of Insured Husband)","Loss of Household Goods while in house/ dwelling of Insured Person, due to fire, lightning, riot, storm, typhoon, flood, cyclone, earthquake"],"display":"Critical Illness; Daily Cash Allowance; Transportation of Mortal Remains/Funeral Expenses; Temporary Total Disablement; Legal Divorce; Children's Education Benefit; Loss of Household Goods","note":"Optional covers apply only if opted, the requisite premium is paid and the cover is mentioned in the Policy Schedule.","quote":"1. | Critical Illness (11 standard CIs) of Insured Person 1. Cancer of Specified Severity 2. Myocardial Infarction (First Heart Attack of Specified Severity) 3. Open Chest Coronary Artery Bypass Graft Surgery (CABG) 4. Open Heart Replacement or Repair of Heart Valves 5. Coma of Specified Severity 6. Kidney Failure requiring Regular Dialysis 7. Stroke Resulting in Permanent Symptoms 8. Major Organ/Bone Marrow Transplant 9. Permanent Paralysis of Limbs 10. Motor Neurone Disease with Permanent Symptoms 11. Multiple Sclerosis with Persisting Symptoms | 100000/- | 200000/-\n2. | Daily Cash Allowance (due to Hospitalisation of Insured Person, deductible of first 3 days) | 250 per day, max 15 days | 500 per day, max 15 days\n3. | Transportation of Mortal Remains/Funeral Expenses of Insured Person | 5,000/- | 10,000/-\n4. | Temporary Total Disablement of Insured Person due to an Accident resulting in In-patient Hospitalisation | NA | 2500/ month Max 7500/-\n5. | Legal Divorce of married Insured Person (Once in lifetime, decree shall be received within Policy) | NA | Up to 20000/-\n6. | Children's Education Benefit (in case of death or permanent disability of Insured Person and/or Death of Insured Husband) One dependent child | NA | Upto 50,000/ Rs. 25,000/-\nMore than one dependent child | Rs. 50,000/-\n7. | Loss of Household Goods while in house/ dwelling of Insured Person, due to fire, lightning, riot, storm, typhoon, flood, cyclone, earthquake | NA | Up to 20000/-","sources":[{"clause":null,"heading":"Optional Covers","page":11,"url":"https://indiainsurances.com/policy/national-insurance/national-rajrajeshwari-womens-freedom-policy-nicpaip26049v012526/document/13082#c-optional-covers"}],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"quote-verified","value":"Coverage shall not be available during the grace period.","display":"Coverage shall not be available during the grace period","note":null,"quote":"At the end of the Policy Period, the Policy shall terminate and can be renewed within the Grace period of 30 days to maintain continuity of benefits without break in Policy. Coverage is not available during the grace period.","sources":[{"clause":"6.19","heading":"Renewal of Policy","page":10,"url":"https://indiainsurances.com/policy/national-insurance/national-rajrajeshwari-womens-freedom-policy-nicpaip26049v012526/document/13082#c-6-19"}],"law":[]},{"key":"accidental_death","label":"Accidental death","section":"Cover","meaning":"What is paid if an accident causes death.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"permanent_total_disability","label":"Permanent total disability","section":"Cover","meaning":"What is paid for permanent total disability.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"permanent_partial_disability","label":"Permanent partial disability","section":"Cover","meaning":"The table of payouts for losing a limb, eye, hearing...","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"temporary_total_disability","label":"Temporary total disability","section":"Cover","meaning":"Weekly income paid while you cannot work after an accident.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"accident_medical","label":"Accident medical expenses","section":"Cover","meaning":"Treatment costs after an accident.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"occupation_classes","label":"Occupation rules","section":"Eligibility","meaning":"Whether your job affects cover or premium.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Wordings","pages":12,"fetched_at":"2026-10-17 19:59:01+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/Rajrajeshwari%20Freedom%20Policy%20wordings_Ret.pdf","url":"https://indiainsurances.com/policy/national-insurance/national-rajrajeshwari-womens-freedom-policy-nicpaip26049v012526/document/13082"},{"kind":"prospectus","label":"Prospectus","pages":12,"fetched_at":"2026-10-17 20:01:41+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/Rajrajeshwari%20Freedom_Prospectus_Ret.pdf","url":"https://indiainsurances.com/policy/national-insurance/national-rajrajeshwari-womens-freedom-policy-nicpaip26049v012526/document/13172"},{"kind":"cis","label":"CIS","pages":4,"fetched_at":"2026-10-17 20:04:01+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/Rajrajeshwari%20Freedom_CIS_Revised_Ret.pdf","url":"https://indiainsurances.com/policy/national-insurance/national-rajrajeshwari-womens-freedom-policy-nicpaip26049v012526/document/13226"},{"kind":"premium","label":"Rate Chart","pages":null,"fetched_at":"2026-10-17 19:53:05+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/Rajrajeshwari%20Freedom_Rate%20Chart.pdf","url":"https://indiainsurances.com/policy/national-insurance/national-rajrajeshwari-womens-freedom-policy-nicpaip26049v012526/document/30372"},{"kind":"proposal","label":"Proposal Form","pages":null,"fetched_at":"2026-10-17 20:03:27+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/Rajrajeshwari%20Freedom_Proposal%20Form.pdf","url":"https://indiainsurances.com/policy/national-insurance/national-rajrajeshwari-womens-freedom-policy-nicpaip26049v012526/document/30437"},{"kind":"claim-form","label":"Claim Form","pages":null,"fetched_at":"2026-10-17 20:03:54+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/Rajrajeswari%20Freedom_Claim%20Form.pdf","url":"https://indiainsurances.com/policy/national-insurance/national-rajrajeshwari-womens-freedom-policy-nicpaip26049v012526/document/30441"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"National Insurance official website","url":"https://nationalinsurance.nic.co.in","note":"Website as listed by IRDAI. Not checked: the site could not be reached from our crawler on 2026-10-19 (connection or TLS error)."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"National Rajrajeshwari Women’s Freedom Policy (UIN NICPAIP26049V012526), IndiaInsurances, https://indiainsurances.com/policy/national-insurance/national-rajrajeshwari-womens-freedom-policy-nicpaip26049v012526"}