{"uin":"NICPAIP27056V012627","name":"National Amartya Siksha Yojana Insurance Policy","url":"https://indiainsurances.com/policy/national-insurance/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627","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":"This policy covers outstanding education expenses for dependent students if the insured parent or guardian dies or suffers permanent total disablement due to accident. It can be issued for one to five years and has optional covers including family floater health protect, critical illness, job loss, coma, student personal accident and emergency medical evacuation.","analysis":{"state":"machine","analysed_at":"2026-10-19 21:55:38.589888+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 compulsory basic cover and elective optional covers, but do not name separate plans or 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 the course duration.","display":"1/2/3/4/5 years, as per course duration","note":"Stated in the prospectus; the policy wording defines the policy period by the schedule.","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/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13140#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 claims under the whole policy, written notice with full particulars must be given within one calendar month from the accident unless reasonable cause is shown.","display":"Hospitalisation: 72 hours before planned admission or 24 hours after emergency admission; accident claims: within one calendar month from Accident","note":null,"quote":"In the event of planned Hospitalisation | At least seventy two (72) hours prior to the Insured Person’s admission to Network Provider\nIn the event of emergency Hospitalisation | Within twenty four (24) hours of the Insured Person’s admission to Network Provider ... In the event of planned Hospitalisation | At least seventy two (72) hours prior to the Insured Person’s admission to Hospital\nIn the event of emergency Hospitalisation | Within twenty four (24) hours of the Insured Person’s admission to Hospital ... 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","sources":[{"clause":"6.1.1","heading":"Notification of Claim","page":12,"url":"https://indiainsurances.com/policy/national-insurance/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13059#c-6-1-1"},{"clause":"6.8","heading":"Notification of claim","page":17,"url":"https://indiainsurances.com/policy/national-insurance/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13059#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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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 insurer must settle or reject a claim within 15 days from receipt of the last necessary document. If investigation is needed, it must be completed within 30 days and the claim settled or rejected within 45 days from receipt of the last necessary document.","display":"15 days from last necessary document; 45 days if investigation is needed","note":"Delay attracts interest at 2% above the bank rate.","quote":"i) The Company shall settle or reject a claim, as the case may be, within 15 days from the date of receipt of last necessary document. ... iii) However, where the circumstances of a claim warrant an investigation in the opinion of the Company, it shall initiate and complete such investigation at the earliest, in any case not later than 30 days from the date of receipt of last necessary document. In such cases, the Company shall settle or reject the claim within 45 days from the date of receipt of last necessary document.","sources":[{"clause":"6.11(i)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/national-insurance/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13059#c-6-11-i"},{"clause":"6.11(iii)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/national-insurance/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13059#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 the surgical treatment of obesity that does not fulfil all the below conditions","Expenses related to any treatment, including surgical management, to change characteristics of the body to those of the opposite sex","Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an Accident, Burn(s) or Cancer","Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports","Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent","Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof","Expenses related to sterility and infertility","Medical treatment expenses traceable to childbirth","Any expenses incurred on Domiciliary Hospitalization and OPD treatment","Treatment taken outside the geographical limits of India"],"display":"PED 36 months, specified diseases 90 days/1/2/3 years, first 30 days illness, diagnostics-only admissions, rest cure, obesity not meeting criteria, gender change, cosmetic surgery, professional adventure sports, breach of law, alcohol/drug abuse, infertility, maternity, domiciliary/OPD and treatment outside India","note":"These are mainly exclusions for the optional Family Floater Health Protect; the whole policy also has accident-cover 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 of continuous coverage after the date of inception of the first policy with us. ... 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. ... 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. ... a) Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded. ... Expenses related to any admission primarily for enforced bed rest and not for receiving treatment. ... Expenses related to the surgical treatment of obesity that does not fulfil all the below conditions: ... Expenses related to any treatment, including surgical management, to change characteristics of the body to those of the opposite sex. ... Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an Accident, Burn(s) or Cancer ... Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports ... Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent. ... Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. ... Expenses related to sterility and infertility. ... i) Medical treatment expenses traceable to childbirth ... Any expenses incurred on Domiciliary Hospitalization and OPD treatment ... Treatment taken outside the geographical limits of India","sources":[{"clause":"4.1","heading":"Pre-Existing Diseases","page":10,"url":"https://indiainsurances.com/policy/national-insurance/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13059#c-4-1"},{"clause":"4.2(a)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/national-insurance/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13059#c-4-2-a"},{"clause":"4.3","heading":"First 30 days waiting period","page":10,"url":"https://indiainsurances.com/policy/national-insurance/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13059#c-4-3"},{"clause":"5.1","heading":"Investigation & Evaluation","page":10,"url":"https://indiainsurances.com/policy/national-insurance/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13059#c-5-1"},{"clause":"5.2","heading":"Rest Cure, Rehabilitation and Respite Care","page":10,"url":"https://indiainsurances.com/policy/national-insurance/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13059#c-5-2"},{"clause":"5.3","heading":"Obesity/ Weight Control","page":11,"url":"https://indiainsurances.com/policy/national-insurance/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13059#c-5-3"},{"clause":"5.4","heading":"Change-of-Gender Treatments","page":11,"url":"https://indiainsurances.com/policy/national-insurance/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13059#c-5-4"},{"clause":"5.5","heading":"Cosmetic or Plastic Surgery","page":11,"url":"https://indiainsurances.com/policy/national-insurance/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13059#c-5-5"},{"clause":"5.6","heading":"Hazardous or Adventure Sports","page":11,"url":"https://indiainsurances.com/policy/national-insurance/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13059#c-5-6"},{"clause":"5.7","heading":"Breach of Law","page":11,"url":"https://indiainsurances.com/policy/national-insurance/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13059#c-5-7"},{"clause":"5.9","heading":"Drug/Alcohol Abuse","page":11,"url":"https://indiainsurances.com/policy/national-insurance/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13059#c-5-9"},{"clause":"5.14","heading":"Birth control, Sterility and Infertility","page":11,"url":"https://indiainsurances.com/policy/national-insurance/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13059#c-5-14"},{"clause":"5.15","heading":"Maternity","page":11,"url":"https://indiainsurances.com/policy/national-insurance/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13059#c-5-15"},{"clause":"5.24","heading":"Domiciliary Hospitalization & Out Patient Department (OPD) treatment","page":12,"url":"https://indiainsurances.com/policy/national-insurance/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13059#c-5-24"},{"clause":"5.33","heading":"Treatment taken outside the geographical limits of India","page":12,"url":"https://indiainsurances.com/policy/national-insurance/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13059#c-5-33"}],"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 before approaching Bima Bharosa or the Insurance Ombudsman.","display":"Policy Issuing Office or Regional Office Grievance cell first; then CRM 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":"7 REDRESSAL OF GRIEVANCE","page":20,"url":"https://indiainsurances.com/policy/national-insurance/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13059#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 sum insured, with minimum SI Rs. 50,000 and maximum SI Rs. 1,00,00,000 per insured student. The optional Family Floater Health Protect sum insured is Rs. 5 lac for the family of student and parents.","display":"Basic: Rs. 50,000 to Rs. 1,00,00,000 per insured student; optional Family Floater Health Protect: Rs. 5 lac","note":"Family Floater Health Protect is an optional cover.","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 ... 1 | 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":21,"url":"https://indiainsurances.com/policy/national-insurance/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13059#c-row-1-2"},{"clause":"Row 1","heading":"Family Floater Health Protect","page":22,"url":"https://indiainsurances.com/policy/national-insurance/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13059#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 treatment under the optional Family Floater Health Protect; accidents 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":10,"url":"https://indiainsurances.com/policy/national-insurance/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13059#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; coverage after 36 months is subject to declaration at application and acceptance by the insurer.","quote":"Expenses related to the treatment of a Pre-Existing Disease (PED) and its direct complications shall be excluded until the expiry of 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":10,"url":"https://indiainsurances.com/policy/national-insurance/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13059#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":"Specified disease/procedure waiting periods are 90 days, one year, two years and three years under the optional Family Floater Health Protect.","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.","sources":[{"clause":"4.2(a)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/national-insurance/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13059#c-4-2-a"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"quote-verified","value":["Hypertension and related complications","Diabetes and related complications","Cardiac conditions","Hydrocele","Fissure/Fistula in anus","Piles (Haemorrhoids)","Sinusitis and related disorders","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","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","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"],"display":"Lifestyle conditions, listed ENT and surgical conditions, cataract/refractive error, hernia, joint replacement, obesity and stem cell therapy as listed","note":"The printed table is misaligned; obesity and stem cell therapy are also shown in the same clause as three-year items.","quote":"e) List of specific diseases/procedures\ni. 90 Days Waiting Period (Life Style Conditions) | e. Hydrocele\na. Hypertension and related complications | f. Fissure/Fistula in anus\nb. Diabetes and related complications | g. Piles (Haemorrhoids)\nc. Cardiac conditions | h. Sinusitis and related disorders\nii. One year Waiting Period | i. Polycystic ovarian disease\na. Benign ENT disorders | j. Non-infective arthritis\nb. Tonsillectomy | k. Pilonidal sinus\nc. Adenoidectomy | l. Gout and Rheumatism\nd. Mastoidectomy | m. Calculus diseases\ne. e. Tympanoplasty | n. Surgery of gall bladder and bile duct excluding malignancy\niii. Two years Waiting Period | o. Surgery of genito-urinary system excluding malignancy\na. Cataract and age related eye ailments | p. Surgery for prolapsed intervertebral disc unless arising\nb. Refractive error of the eye more than 7.5 dioptres | from accident\nc. Benign prostatic hypertrophy | q. Surgery of varicose vein\nd. Hernia | r. Congenital Internal Anomaly ... iv. Three years Waiting Period | Above diseases/treatments under 4.2.f).iv if pre-existing also,\na. Joint replacement unless necessitated due to an accident | shall be covered after single Waiting Period of three (03) years\nb. Osteoarthritis and osteoporosis | only.","sources":[{"clause":"4.2(e)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/national-insurance/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13059#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":"60 continuous months","note":"The clause says the moratorium applies to 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":14,"url":"https://indiainsurances.com/policy/national-insurance/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13059#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 renewal date, and gets accrued continuity benefits for specific waiting periods, PED waiting period and moratorium to the extent of the previous policy sum insured.","display":"Allowed, with waiting-period, PED and moratorium credit, if applied 15 to 60 days before renewal","note":"Portability benefit applies to the extent of the previous policy sum insured and not to any additional increased 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, as per IRDAI guidelines related to Portability. ... The proposed Insured Person will get all the accrued continuity benefits for specific waiting periods, waiting period for pre-existing diseases and Moratorium period of the Insured Person under the previous insurance Policy.","sources":[{"clause":"6.4","heading":"Portability","page":14,"url":"https://indiainsurances.com/policy/national-insurance/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13059#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, annually throughout the lifetime of the insured, subject to eligibility","note":"Stated in the prospectus; the policy wording says the policy is ordinarily renewable except on grounds of fraud or misrepresentation.","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/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13140#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":["Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded","Expenses related to any admission primarily for enforced bed rest and not for receiving treatment","Expenses related to the surgical treatment of obesity that does not fulfil all the below conditions","Expenses related to any treatment, including surgical management, to change characteristics of the body to those of the opposite sex","Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an Accident, Burn(s) or Cancer","Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports","Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent","Expenses incurred towards treatment in any hospital or by any Medical Practitioner or any other provider specifically excluded by the Company","Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof","Treatments received in health hydros, nature cure clinics, spas or similar establishments","Expenses related to any unproven treatment, services and supplies","Expenses related to sterility and infertility","Medical treatment expenses traceable to childbirth","Any expenses incurred on Domiciliary Hospitalization and OPD treatment","Treatment taken outside the geographical limits of India","In respect of the existing diseases, disclosed by the insured and mentioned in the policy schedule (based on insured's consent), policyholder is not entitled to get the coverage for specified ICD codes"],"display":"Diagnostics-only admissions, rest cure, obesity not meeting criteria, gender change, cosmetic surgery, professional adventure sports, breach of law, excluded providers, alcohol/drug abuse, non-medical admissions, unproven treatment, infertility, maternity, domiciliary/OPD, treatment outside India and scheduled ICD-code exclusions","note":"The policy does not print IRDAI exclusion codes Excl04 to Excl18; the list uses the policy's own exclusion wording.","quote":"a) Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded. ... Expenses related to any admission primarily for enforced bed rest and not for receiving treatment. ... Expenses related to the surgical treatment of obesity that does not fulfil all the below conditions: ... Expenses related to any treatment, including surgical management, to change characteristics of the body to those of the opposite sex. ... Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an Accident, Burn(s) or Cancer ... Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports ... Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent. ... Expenses incurred towards treatment in any hospital or by any Medical Practitioner or any other provider specifically excluded by the Company ... Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. ... Treatments received in health hydros, nature cure clinics, spas or similar establishments ... Expenses related to any unproven treatment, services and supplies for or in connection with any treatment. ... Expenses related to sterility and infertility. ... i) Medical treatment expenses traceable to childbirth ... Any expenses incurred on Domiciliary Hospitalization and OPD treatment ... Treatment taken outside the geographical limits of India ... In respect of the existing diseases, disclosed by the insured and mentioned in the policy schedule (based on insured's consent), policyholder is not entitled to get the coverage for specified ICD codes.","sources":[{"clause":"5.1","heading":"Investigation & Evaluation","page":10,"url":"https://indiainsurances.com/policy/national-insurance/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13059#c-5-1"},{"clause":"5.2","heading":"Rest Cure, Rehabilitation and Respite Care","page":10,"url":"https://indiainsurances.com/policy/national-insurance/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13059#c-5-2"},{"clause":"5.3","heading":"Obesity/ Weight Control","page":11,"url":"https://indiainsurances.com/policy/national-insurance/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13059#c-5-3"},{"clause":"5.4","heading":"Change-of-Gender Treatments","page":11,"url":"https://indiainsurances.com/policy/national-insurance/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13059#c-5-4"},{"clause":"5.5","heading":"Cosmetic or Plastic Surgery","page":11,"url":"https://indiainsurances.com/policy/national-insurance/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13059#c-5-5"},{"clause":"5.6","heading":"Hazardous or Adventure Sports","page":11,"url":"https://indiainsurances.com/policy/national-insurance/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13059#c-5-6"},{"clause":"5.7","heading":"Breach of Law","page":11,"url":"https://indiainsurances.com/policy/national-insurance/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13059#c-5-7"},{"clause":"5.8","heading":"Excluded Providers","page":11,"url":"https://indiainsurances.com/policy/national-insurance/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13059#c-5-8"},{"clause":"5.9","heading":"Drug/Alcohol Abuse","page":11,"url":"https://indiainsurances.com/policy/national-insurance/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13059#c-5-9"},{"clause":"5.10","heading":"Non Medical Admissions","page":11,"url":"https://indiainsurances.com/policy/national-insurance/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13059#c-5-10"},{"clause":"5.13","heading":"Unproven Treatments","page":11,"url":"https://indiainsurances.com/policy/national-insurance/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13059#c-5-13"},{"clause":"5.14","heading":"Birth control, Sterility and Infertility","page":11,"url":"https://indiainsurances.com/policy/national-insurance/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13059#c-5-14"},{"clause":"5.15","heading":"Maternity","page":11,"url":"https://indiainsurances.com/policy/national-insurance/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13059#c-5-15"},{"clause":"5.24","heading":"Domiciliary Hospitalization & Out Patient Department (OPD) treatment","page":12,"url":"https://indiainsurances.com/policy/national-insurance/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13059#c-5-24"},{"clause":"5.33","heading":"Treatment taken outside the geographical limits of India","page":12,"url":"https://indiainsurances.com/policy/national-insurance/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13059#c-5-33"},{"clause":"5.34","heading":"Permanently Excluded Diseases","page":12,"url":"https://indiainsurances.com/policy/national-insurance/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13059#c-5-34"}],"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 terms up to one year, the insurer refunds proportionate premium for the unexpired policy period if no claim has been made; for terms over one year, it refunds unexpired future policy years not yet commenced and proportionate premium for the unexpired current policy year, with no refund for completed years and no refund if any claim has been admitted, lodged or benefit availed.","display":"7 days’ notice; proportionate unexpired premium if no claim, with special rule for terms over 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":19,"url":"https://indiainsurances.com/policy/national-insurance/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13059#c-6-17-ii"},{"clause":"6.17(a)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/national-insurance/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13059#c-6-17-a"},{"clause":"6.17(b)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/national-insurance/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13059#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":"All medical treatment for the policy must be taken in India only. The policy also contains a separate territorial limit stating that coverage under the policy is available worldwide except Daily Cash Allowance and Legal Divorce.","display":"Medical treatment: India only; other coverage: worldwide except Daily Cash Allowance and Legal Divorce","note":"Both territorial clauses are in the policy wording; the India-only clause applies to medical treatment under the Family Floater Health Protect.","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":13,"url":"https://indiainsurances.com/policy/national-insurance/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13059#c-6-2"},{"clause":"6.13","heading":"Territorial Limit","page":18,"url":"https://indiainsurances.com/policy/national-insurance/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13059#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":"30 days","note":"Applies to new individual health insurance policies, not renewals, and to 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":20,"url":"https://indiainsurances.com/policy/national-insurance/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13059#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":"30 days","note":null,"quote":"The Grace Period for payment of the premium shall be thirty days.","sources":[{"clause":null,"heading":"4.7Grace Period","page":15,"url":"https://indiainsurances.com/policy/national-insurance/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13059#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":"Parents or legal guardians aged 21 to 80 years can opt for the policy. Students must be aged 3 to 35 years and admitted to the course, school, college or university.","display":"Parent/legal guardian: 21 to 80 years; student: 3 to 35 years","note":"Job Loss Protect has a maximum entry age limit of 70 years.","quote":"Parents/Legal Guardian aged between 21 to 80 years can opt for this Policy. 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.","sources":[{"clause":"2.2","heading":"Eligibility","page":1,"url":"https://indiainsurances.com/policy/national-insurance/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13140#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":"Premium to be paid in full before commencement","note":"No yearly, half-yearly, quarterly or monthly instalment modes are stated.","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/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13140#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","Family Floater Health Protect"],"display":"Permanent Partial Disability, Job Loss, COMA, Critical Illness, Personal Accident, Emergency Medical Evacuation and Family Floater Health Protect","note":"Critical Illness Protect is available for the insured parent/guardian and for the insured student.","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 ... 3.2.3.A) Family Floater Health Protect","sources":[{"clause":"3.2","heading":"Optional Covers","page":1,"url":"https://indiainsurances.com/policy/national-insurance/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13059#c-3-2"},{"clause":null,"heading":"3.2.1.A) Permanent Partial Disability Protect","page":2,"url":"https://indiainsurances.com/policy/national-insurance/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13059#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/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13059#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/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13059#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/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13059#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/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13059#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/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13059#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/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13059#c-3-2-2-c-emergency-medical-evacuation-protect"},{"clause":null,"heading":"3.2.3.A) Family Floater Health Protect","page":5,"url":"https://indiainsurances.com/policy/national-insurance/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13059#c-3-2-3-a-family-floater-health-protect"}],"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 for which no premium is received.","display":"No coverage during the grace period","note":null,"quote":"Coverage shall not be available during the period for which no premium is received.","sources":[{"clause":null,"heading":"4.7Grace Period","page":15,"url":"https://indiainsurances.com/policy/national-insurance/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13059#c-4-7grace-period"}],"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":"Amartaya Siksha Yojana Policy Ret","pages":23,"fetched_at":"2026-10-17 19:58:30+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-06/Amartaya%20Siksha%20Yojana%20Policy_Ret_0.pdf","url":"https://indiainsurances.com/policy/national-insurance/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13059"},{"kind":"prospectus","label":"Amartaya Siksha Yojana Policy Prospectus Ret","pages":23,"fetched_at":"2026-10-17 20:00:48+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-06/Amartaya%20Siksha%20Yojana%20Policy_Prospectus_Ret_0.pdf","url":"https://indiainsurances.com/policy/national-insurance/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13140"},{"kind":"cis","label":"Amartya Siksha_CIS_Ret","pages":5,"fetched_at":"2026-10-17 20:03:45+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-06/Amartya%20Siksha_CIS_Ret.pdf","url":"https://indiainsurances.com/policy/national-insurance/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/13216"},{"kind":"premium","label":"Amartaya Siksha Yojana Policy Rate Chart","pages":null,"fetched_at":"2026-10-17 19:52:48+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-06/Amartaya%20Siksha%20Yojana%20Policy%20Rate%20Chart.pdf","url":"https://indiainsurances.com/policy/national-insurance/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/30371"},{"kind":"proposal","label":"Amartya Siksha Proposal Form","pages":null,"fetched_at":"2026-10-17 20:02:37+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-06/Amartya%20Siksha_Proposal%20Form.pdf","url":"https://indiainsurances.com/policy/national-insurance/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/30423"},{"kind":"claim-form","label":"Amartya Claim Form","pages":null,"fetched_at":"2026-10-17 20:03:31+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-06/Amartya_Claim%20Form_0.pdf","url":"https://indiainsurances.com/policy/national-insurance/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627/document/30438"}],"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 Amartya Siksha Yojana Insurance Policy (UIN NICPAIP27056V012627), IndiaInsurances, https://indiainsurances.com/policy/national-insurance/national-amartya-siksha-yojana-insurance-policy-nicpaip27056v012627"}