{"uin":"NICTIOP14011V021314","name":"Overseas Mediclaim Business And Holiday","url":"https://indiainsurances.com/policy/national-insurance/overseas-mediclaim-business-and-holiday-nictiop14011v021314","insurer":{"slug":"national-insurance","name":"National Insurance Company Limited","url":"https://indiainsurances.com/insurer/national-insurance"},"line":"general","category":"travel","category_name":"Travel insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"This is an overseas mediclaim travel product with Business & Holiday Travel and Employment & Studies documents, covering medical expenses and repatriation and other travel benefits depending on the variant. Business & Holiday claims must be notified immediately and not later than 31 days after the insured trip, and its cover does not operate beyond 180 days continuous absence unless specifically agreed.","analysis":{"state":"machine","analysed_at":"2026-10-20 05:36:06.6671+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Overseas Mediclaim Insurance Policy for Business & Holiday Travel","Overseas Mediclaim Insurance Policy for Employment & Studies","Plan K"],"display":"Business & Holiday Travel; Employment & Studies; Plan K","note":"Plan K is named only in exclusions from baggage, passport and liability sections; the full plan table is not printed in the provided documents.","quote":"1. | Name of Insurance Product/Policy | Overseas Mediclaim Insurance Policy for Business & Holiday Travel ... 1. | Name of Insurance Product/Policy | Overseas Mediclaim Insurance Policy for Employment & Studies ... Section C of coverage is not available under Plan K","sources":[{"clause":"Row 1","heading":"Name of Insurance Product/Policy","page":1,"url":"https://indiainsurances.com/policy/national-insurance/overseas-mediclaim-business-and-holiday-nictiop14011v021314/document/13176#c-row-1"},{"clause":"Row 1","heading":"Name of Insurance Product/Policy","page":1,"url":"https://indiainsurances.com/policy/national-insurance/overseas-mediclaim-business-and-holiday-nictiop14011v021314/document/13178#c-row-1"},{"clause":null,"heading":"Specific conditions applicable to Section – C","page":7,"url":"https://indiainsurances.com/policy/national-insurance/overseas-mediclaim-business-and-holiday-nictiop14011v021314/document/13007#c-specific-conditions-applicable-to-section-c"}],"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":"For Business & Holiday, insurance runs from the First Day of Insurance or departure from India, whichever is later, and ends on the scheduled last day or return to India, whichever is earlier. It does not operate beyond 180 days continuous absence from India unless specifically agreed; Employment & Studies terminates at the earliest of the listed events, including twelve months from commencement.","display":"Business & Holiday: from first day/departure until scheduled last day or return to India; not beyond 180 days continuous absence unless agreed","note":"The exact number of scheduled days is in the policy schedule, which is not included.","quote":"This insurance is valid from the First Day of Insurance or date and time of departure from India, whichever is later, subject to General Condition [1 (i)] and expires on the last day of the number of days specified in the policy schedule or on return to India whichever is earlier. ... This insurance does not operate beyond a period of 180 days continuous absence from the Republic of India unless specifically agreed by Insurers. ... The Insurance of an Insured Person will terminate on the earliest of:\ni) twelve months from the date the Policy commences","sources":[{"clause":"2.14(i)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/national-insurance/overseas-mediclaim-business-and-holiday-nictiop14011v021314/document/13007#c-2-14-i"},{"clause":"3.9","heading":null,"page":3,"url":"https://indiainsurances.com/policy/national-insurance/overseas-mediclaim-business-and-holiday-nictiop14011v021314/document/13007#c-3-9"},{"clause":"2.13.2","heading":"Termination of Insurance","page":2,"url":"https://indiainsurances.com/policy/national-insurance/overseas-mediclaim-business-and-holiday-nictiop14011v021314/document/13009#c-2-13-2"}],"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 Business & Holiday, the insured person or representative must notify the TPA immediately of any occurrence likely to give rise to a claim, and in no event later than 31 days after the end of an insured trip. For Employment & Studies, written advice with relevant notes and documents must be given within 30 days after diagnosis.","display":"Immediately; not later than 31 days after the insured trip","note":"Default shown is Business & Holiday. Employment & Studies uses 30 days after diagnosis.","quote":"the Insured Person, or his representative, must notify the TPA immediately. ... In no event should a claim be notified to the TPA later than 31 days after the end of an insured trip. ... written advice together with relevant notes, documentation etc. in respect of any claim under this Insurance must be given to the Claims Administrator within 30 days after the date of diagnosis","sources":[{"clause":"3.3","heading":"Claim Procedure","page":2,"url":"https://indiainsurances.com/policy/national-insurance/overseas-mediclaim-business-and-holiday-nictiop14011v021314/document/13007#c-3-3"},{"clause":"5.17.1","heading":null,"page":5,"url":"https://indiainsurances.com/policy/national-insurance/overseas-mediclaim-business-and-holiday-nictiop14011v021314/document/13009#c-5-17-1"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Covering letter detailing the circumstances of claim and claimed amount","Duly filled and signed claim form","Original policy schedule duly signed by the insured or his representative","Copy of air ticket or E-ticket & Passport Copies.(Front, Back ,immigration stamp copies& Visa Copies)","Any other document required by the company","medical certificates showing the nature of the injury or illness together with all bills, and receipts if already paid","Property Irregularity Report issued by the airlines","Copy of old & new passports","Police report"],"display":"Claim form, covering letter, signed policy schedule, air ticket/e-ticket and passport/visa copies, bills/receipts and section-specific documents","note":"Business & Holiday also lists additional section-specific documents for medical, personal accident, baggage delay, passport loss and other sections.","quote":"i) Covering letter detailing the circumstances of claim and claimed amount.\nii) Duly filled and signed claim form.\niii) Original policy schedule duly signed by the insured or his representative.\niv) Copy of air ticket or E-ticket & Passport Copies.(Front, Back ,immigration stamp copies& Visa Copies)\nv) Any other document required by the company ... medical certificates showing the nature of the injury or illness together with all bills, and receipts if already paid, should be forwarded to the TPA. ... i) Property Irregularity Report issued by the airlines (compulsory). ... i) Copy of old & new passports.\nii) Police report. (To be reported within 24 Hrs.)","sources":[{"clause":"3.3.2","heading":"Claim documents","page":2,"url":"https://indiainsurances.com/policy/national-insurance/overseas-mediclaim-business-and-holiday-nictiop14011v021314/document/13007#c-3-3-2"},{"clause":"3.3","heading":"Claim Procedure","page":2,"url":"https://indiainsurances.com/policy/national-insurance/overseas-mediclaim-business-and-holiday-nictiop14011v021314/document/13007#c-3-3"},{"clause":"Section C","heading":null,"page":3,"url":"https://indiainsurances.com/policy/national-insurance/overseas-mediclaim-business-and-holiday-nictiop14011v021314/document/13007#c-section-c"},{"clause":"Section E","heading":null,"page":3,"url":"https://indiainsurances.com/policy/national-insurance/overseas-mediclaim-business-and-holiday-nictiop14011v021314/document/13007#c-section-e"}],"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":"For Business & Holiday, the company must offer settlement within 30 days of receiving the final documents or investigation report, communicate rejection within 30 days on the same basis, and pay within 7 days after acceptance. Employment & Studies says 15 days to offer settlement, 30 days to communicate rejection, and 7 days to pay after acceptance.","display":"Offer settlement within 30 days from final documents/investigation report; pay within 7 days after acceptance","note":"Default shown is Business & Holiday. Employment & Studies has a shorter 15-day period to offer settlement.","quote":"On receipt of the final document(s) or investigation report (if any), as the case may be, the company shall within a period of 30 days offer a settlement of the claim to the insured person. ... the payment of the amount due shall be made within 7 days from the date of acceptance of the offer by the company. ... the company shall within a period of 15 days offer a settlement of the claim to the insured person.","sources":[{"clause":"3.3.1","heading":"Claim Settlement","page":2,"url":"https://indiainsurances.com/policy/national-insurance/overseas-mediclaim-business-and-holiday-nictiop14011v021314/document/13007#c-3-3-1"},{"clause":"5.17.3","heading":"Claim Settlement","page":6,"url":"https://indiainsurances.com/policy/national-insurance/overseas-mediclaim-business-and-holiday-nictiop14011v021314/document/13009#c-5-17-3"}],"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":["is travelling against the advice of a Physician","is receiving or on a waiting list for specified medical treatment","travelling for the purpose of obtaining treatment","pre-existing disease","suicide attempted suicide or willfully self inflicted injury or illness","mental disorder, anxiety, stress or depression","venereal disease, alcoholism, drunkenness or the abuse of the drugs","HIV (Human Immunodeficiency Virus) and/or any HIV related illness including AIDS","taking part in Naval, Military or Airforce operations","War, invasion, acts of foreign enemy, hostilities","ionising radiation or contamination by radioactivity","Air Travel unless he or she flies as a passenger on an aircraft properly licensed to carry passengers","winter sports, mountaineering","manual work or hazardous occupation","pregnancy of the Insured Person including resulting childbirth, miscarriage, abortion or complication of any of these"],"display":"Travel against medical advice, treatment travel, pre-existing disease, suicide/self-inflicted injury, mental disorder, HIV/AIDS, military operations, war, nuclear/radiation, unlicensed air travel, adventure sports, manual/hazardous work, pregnancy","note":"List is drawn from Business & Holiday general exclusions and Section A conditions; Employment & Studies has its own exclusion wording.","quote":"a) is travelling against the advice of a Physician: or\nb) is receiving or on a waiting list for specified medical treatment declared in the Physician’s report or certificate; or\nc) is travelling for the purpose of obtaining treatment; ... This policy is not designed to provide an indemnity in respect of medical services, the need for which arises out of a pre-existing disease ... suicide attempted suicide or willfully self inflicted injury or illness, mental disorder, anxiety, stress or depression, venereal disease, alcoholism, drunkenness or the abuse of the drugs, or any loss arising directly or indirectly from any injury, illness, death, loss, expenses, or other liability attributable to HIV ... Naval, Military or Airforce operations. ... War, invasion, acts of foreign enemy, hostilities ... ionising radiation or contamination by radioactivity ... Air Travel unless he or she flies as a passenger on an aircraft properly licensed to carry passengers. ... winter sports, mountaineering ... manual work or hazardous occupation ... pregnancy of the Insured Person including resulting childbirth, miscarriage, abortion or complication of any of these.","sources":[{"clause":"4.1","heading":"No claim will be paid where the Insured Person","page":5,"url":"https://indiainsurances.com/policy/national-insurance/overseas-mediclaim-business-and-holiday-nictiop14011v021314/document/13007#c-4-1"},{"clause":"3.11(b)","heading":"Pre-existing diseases","page":4,"url":"https://indiainsurances.com/policy/national-insurance/overseas-mediclaim-business-and-holiday-nictiop14011v021314/document/13007#c-3-11-b"},{"clause":"4.2","heading":null,"page":5,"url":"https://indiainsurances.com/policy/national-insurance/overseas-mediclaim-business-and-holiday-nictiop14011v021314/document/13007#c-4-2"},{"clause":"4.3","heading":null,"page":5,"url":"https://indiainsurances.com/policy/national-insurance/overseas-mediclaim-business-and-holiday-nictiop14011v021314/document/13007#c-4-3"},{"clause":"4.4","heading":null,"page":5,"url":"https://indiainsurances.com/policy/national-insurance/overseas-mediclaim-business-and-holiday-nictiop14011v021314/document/13007#c-4-4"},{"clause":"4.5","heading":null,"page":5,"url":"https://indiainsurances.com/policy/national-insurance/overseas-mediclaim-business-and-holiday-nictiop14011v021314/document/13007#c-4-5"},{"clause":"4.6","heading":null,"page":5,"url":"https://indiainsurances.com/policy/national-insurance/overseas-mediclaim-business-and-holiday-nictiop14011v021314/document/13007#c-4-6"},{"clause":"4.7","heading":null,"page":5,"url":"https://indiainsurances.com/policy/national-insurance/overseas-mediclaim-business-and-holiday-nictiop14011v021314/document/13007#c-4-7"},{"clause":"4.9","heading":null,"page":5,"url":"https://indiainsurances.com/policy/national-insurance/overseas-mediclaim-business-and-holiday-nictiop14011v021314/document/13007#c-4-9"},{"clause":"5.1.2.8","heading":null,"page":6,"url":"https://indiainsurances.com/policy/national-insurance/overseas-mediclaim-business-and-holiday-nictiop14011v021314/document/13007#c-5-1-2-8"}],"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":"Submit a written grievance to the Policy Issuing Office or the Company's Regional Office grievance cell. If it remains unaddressed, contact the Customer Relationship Management Department of National Insurance Company Limited, and the documents also mention Bima Bharosa and the Insurance Ombudsman.","display":"First write to the Policy Issuing Office or Regional Office grievance cell; then CRM Department, Bima Bharosa or Insurance Ombudsman","note":null,"quote":"In case of any grievance related to the Policy, the insured person may submit in writing to the Policy Issuing Office or Grievance cell at Regional Office of the Company for redressal. If the grievance remains unaddressed, the insured person may contact:\nCustomer Relationship Management Dept., National Insurance Company Limited","sources":[{"clause":"3.19","heading":"Redressal of Grievance","page":4,"url":"https://indiainsurances.com/policy/national-insurance/overseas-mediclaim-business-and-holiday-nictiop14011v021314/document/13007#c-3-19"}],"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":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["Medical Expenses And Repatriation","Personal Accident","Loss of Checked in Baggage","Delay Of Checked In Baggage","Loss of Passport","Personal Liability","Contingency Insurance (Applicable to Sponsored Students only)"],"display":"Medical expenses and repatriation; personal accident; checked-in baggage loss/delay; passport loss; personal liability; sponsored-student contingency","note":"The first six covers are in Business & Holiday. Contingency Insurance is in Employment & Studies and applies to sponsored students only.","quote":"Expenses in respect of: (a). Section A - Medical Expenses And Repatriation (b). Section B - Personal Accident (c). Section C - Loss of Checked in Baggage (d). Section D - Delay Of Checked In Baggage (e). Section E - Loss of Passport (f). Section F - Personal Liability ... Section 2. Contingency Insurance (Applicable to Sponsored Students only)","sources":[{"clause":"Row 5","heading":"Policy Coverage","page":1,"url":"https://indiainsurances.com/policy/national-insurance/overseas-mediclaim-business-and-holiday-nictiop14011v021314/document/13176#c-row-5"},{"clause":"Row 5","heading":"Policy Coverage","page":1,"url":"https://indiainsurances.com/policy/national-insurance/overseas-mediclaim-business-and-holiday-nictiop14011v021314/document/13178#c-row-5"}],"law":[]},{"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":"For Business & Holiday, cancellation is allowed only where the journey is not undertaken and passport proof is produced; requests are entertained not less than 14 days after the First Day of Insurance and are subject to cancellation charges. Proportionate premium refund is permitted on trip-band basis only if cover is for at least 60 days, the unexpired period is at least 14 days and there is no claim, admitted claim, lodged claim or benefit availed.","display":"Only if journey not undertaken; proportionate refund on trip-band basis if cover is at least 60 days and unexpired period at least 14 days, with no claim","note":"Employment & Studies has a different cancellation clause allowing policyholder cancellation during the term with 7 days' written notice and proportionate refund if no claim is made.","quote":"Cancellation of the policy may be done ONLY in cases where a journey is not undertaken and ONLY on production of the Insured person’s PASSPORT as a proof that the journey has not been undertaken. Any request for cancellation will be entertained not less than 14 days after the First Day of Insurance as indicated in the policy schedule. Such cancellation will be subject to deduction of cancellation charges by the underwriters as applicable. Proportionate refund in premium is permitted on trip band basis provided cover is for a minimum period of 60 days and unexpired period is not less than 14 days subject to there being no claim under the policy.","sources":[{"clause":"3.2","heading":null,"page":2,"url":"https://indiainsurances.com/policy/national-insurance/overseas-mediclaim-business-and-holiday-nictiop14011v021314/document/13007#c-3-2"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"medical_cover","label":"Medical cover abroad","section":"Cover","meaning":"Emergency medical and hospital costs while travelling, and the limit.","status":"quote-verified","value":"Business & Holiday pays covered medical-related expenses reasonably and necessarily incurred outside India for bodily injury, sickness, disease or death during the insurance period, up to the limit of cover shown in the Schedule. Covered expenses include physician, hospital and medical services, local emergency medical transportation, limited dental pain relief, emergency medical evacuation, medical evacuation to India and repatriation of remains.","display":"Emergency medical expenses and repatriation outside India, up to the Schedule limit","note":"The exact medical sum insured is not printed in the provided wording; it refers to the Schedule.","quote":"This insurance will pay up to the limit of cover shown in the Schedule in total for the Insured person in respect of covered medical related expenses mentioned below, reasonably and necessarily incurred outside the Republic of India by the Insured Person suffering bodily injury, sickness, disease or death during the period of Insurance. ... Expenses for physician services, hospital and medical services and local emergency medical transportation. ... Up to US $ 225 per occurrence for dental services for the immediate relief of dental pain only.","sources":[{"clause":null,"heading":"Nature of coverage","page":5,"url":"https://indiainsurances.com/policy/national-insurance/overseas-mediclaim-business-and-holiday-nictiop14011v021314/document/13007#c-nature-of-coverage"},{"clause":"5.1.1.1","heading":null,"page":5,"url":"https://indiainsurances.com/policy/national-insurance/overseas-mediclaim-business-and-holiday-nictiop14011v021314/document/13007#c-5-1-1-1"},{"clause":"5.1.1.2","heading":null,"page":6,"url":"https://indiainsurances.com/policy/national-insurance/overseas-mediclaim-business-and-holiday-nictiop14011v021314/document/13007#c-5-1-1-2"}],"law":[]},{"key":"ped_cover","label":"Pre-existing conditions","section":"Cover","meaning":"Whether emergencies from existing conditions are covered.","status":"quote-verified","value":"Pre-existing disease emergencies are not covered as medical indemnity under Business & Holiday. The policy says it is not designed to indemnify medical services whose need arises out of a pre-existing disease.","display":"Not covered for medical services arising out of pre-existing disease","note":null,"quote":"Pre-existing diseases: This policy is not designed to provide an indemnity in respect of medical services, the need for which arises out of a pre-existing disease as defined below in General Condition 10 (c). ... Pre-Existing Disease means any condition, ailment or injury or related condition(s) for which you had signs or symptoms, and / or were diagnosed, and / or received medical advice / treatment within 48 months to prior to the first policy issued by the insurer.","sources":[{"clause":"3.11(b)","heading":"Pre-existing diseases","page":4,"url":"https://indiainsurances.com/policy/national-insurance/overseas-mediclaim-business-and-holiday-nictiop14011v021314/document/13007#c-3-11-b"},{"clause":"2.8","heading":"Pre-Existing Disease","page":1,"url":"https://indiainsurances.com/policy/national-insurance/overseas-mediclaim-business-and-holiday-nictiop14011v021314/document/13007#c-2-8"}],"law":[]},{"key":"trip_cancellation","label":"Trip cancellation and curtailment","section":"Cover","meaning":"Refund of non-refundable costs if you must cancel or cut short a trip.","status":"not-stated","value":null,"display":null,"note":"No trip cancellation or trip curtailment benefit for non-refundable trip costs is printed in the provided cover sections.","quote":null,"sources":[],"law":[]},{"key":"baggage","label":"Baggage loss and delay","section":"Cover","meaning":"Cover for checked baggage lost or delayed.","status":"quote-verified","value":"Business & Holiday pays up to the Schedule limit for total loss of checked-in baggage and for necessary emergency purchase of replacement items if checked-in baggage on an international outbound flight from India is delayed by more than 12 hours. Sections C and D are not available under Plan K.","display":"Total loss of checked-in baggage; delay over 12 hours for emergency replacement items; not under Plan K","note":"The exact baggage limits are not printed in the provided wording; they refer to the Schedule.","quote":"This insurance will pay up to the limit of cover shown in the Schedule in the event of the Insured Person suffering total loss of Checked in Baggage, as defined. ... This insurance will pay up to the limit of cover shown in the Schedule for necessary emergency purchase of replacement items in the event that the Insured Person suffers a delay of more than 12 hours from the scheduled arrival time at the destination for delivery of Baggage that has been checked in by an International Airline for an International outbound flight from the Republic of India. ... Section C of coverage is not available under Plan K ... Section D of coverage is not available under Plan K","sources":[{"clause":"5.3","heading":"SECTION C - LOSS OF CHECKED IN BAGGAGE","page":6,"url":"https://indiainsurances.com/policy/national-insurance/overseas-mediclaim-business-and-holiday-nictiop14011v021314/document/13007#c-5-3"},{"clause":"5.4","heading":"SECTION D – DELAY OF CHECKED IN BAGGAGE","page":7,"url":"https://indiainsurances.com/policy/national-insurance/overseas-mediclaim-business-and-holiday-nictiop14011v021314/document/13007#c-5-4"},{"clause":null,"heading":"Specific conditions applicable to Section – C","page":7,"url":"https://indiainsurances.com/policy/national-insurance/overseas-mediclaim-business-and-holiday-nictiop14011v021314/document/13007#c-specific-conditions-applicable-to-section-c"},{"clause":null,"heading":"Specific conditions applicable to Section – D","page":7,"url":"https://indiainsurances.com/policy/national-insurance/overseas-mediclaim-business-and-holiday-nictiop14011v021314/document/13007#c-specific-conditions-applicable-to-section-d"}],"law":[]},{"key":"passport_loss","label":"Passport loss","section":"Cover","meaning":"Costs of replacing a lost passport.","status":"quote-verified","value":"Business & Holiday reimburses actual expenses necessarily and reasonably incurred outside India to obtain emergency travel documents or a duplicate/fresh passport in lieu of a lost passport, up to the Schedule limit and subject to the Schedule deductible. Section E is not available under Plan K.","display":"Replacement passport/emergency travel document expenses outside India, up to Schedule limit; not under Plan K","note":"The exact passport-loss limit and deductible are not printed in the provided wording; they refer to the Schedule.","quote":"In the event of the Insured Person losing his/her Passport during the trip covered, this insurance will pay up to the limit of cover shown in the Schedule for the reimbursement of actual expenses necessarily and reasonably incurred by the Insured Person in connection with obtaining emergency travel documents or duplicate / fresh Passport in lieu of lost passport outside India. ... Section E of coverage is not available under Plan K","sources":[{"clause":"5.5","heading":"SECTION E – LOSS OF PASSPORT","page":7,"url":"https://indiainsurances.com/policy/national-insurance/overseas-mediclaim-business-and-holiday-nictiop14011v021314/document/13007#c-5-5"},{"clause":null,"heading":"Specific conditions applicable to Section – E","page":7,"url":"https://indiainsurances.com/policy/national-insurance/overseas-mediclaim-business-and-holiday-nictiop14011v021314/document/13007#c-specific-conditions-applicable-to-section-e"}],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"Amount you bear per claim.","status":"not-stated","value":null,"display":null,"note":"The wording says the deductible is stated in the Schedule and applies to each insured event, but the deductible amount is not printed in the provided documents.","quote":null,"sources":[],"law":[]},{"key":"max_trip_days","label":"Trip length","section":"Eligibility","meaning":"Longest trip covered, single or multi-trip.","status":"quote-verified","value":"For Business & Holiday, the insurance does not operate beyond 180 days of continuous absence from India unless specifically agreed by the insurers.","display":"180 days continuous absence, unless specifically agreed","note":null,"quote":"This insurance does not operate beyond a period of 180 days continuous absence from the Republic of India unless specifically agreed by Insurers.","sources":[{"clause":"3.9","heading":null,"page":3,"url":"https://indiainsurances.com/policy/national-insurance/overseas-mediclaim-business-and-holiday-nictiop14011v021314/document/13007#c-3-9"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Free-look, if the policy offers one (usually annual multi-trip policies only): days after you receive the policy in which you can return it for a refund.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"This clause is in the Employment & Studies wording and applies to new individual policies with a term of one year or more; the Business & Holiday wording provided does not print a free-look clause.","quote":"The Free Look Period shall be applicable on new individual health insurance policies and not on renewals or at the time of porting/migrating the policy. 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. ... This option is available in case of policies with a term of one year or more.","sources":[{"clause":null,"heading":"5.23 Free Look Period","page":7,"url":"https://indiainsurances.com/policy/national-insurance/overseas-mediclaim-business-and-holiday-nictiop14011v021314/document/13009#c-5-23-free-look-period"}],"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":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"not-stated","value":null,"display":null,"note":"The Business & Holiday documents do not print youngest and oldest entry ages. Employment & Studies says the policy is not valid if the insured person is over 60 unless specifically endorsed, but no youngest entry age is printed.","quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Poilicy Document","pages":8,"fetched_at":"2026-10-17 19:56:58+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/OMP%20B%26H%20Policy%20Wordings.pdf","url":"https://indiainsurances.com/policy/national-insurance/overseas-mediclaim-business-and-holiday-nictiop14011v021314/document/13007"},{"kind":"wording","label":"OMP E&S Wordings","pages":8,"fetched_at":"2026-10-17 19:57:04+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/OMP%20E%26S%20policy.pdf","url":"https://indiainsurances.com/policy/national-insurance/overseas-mediclaim-business-and-holiday-nictiop14011v021314/document/13009"},{"kind":"cis","label":"Customer Information Sheet","pages":3,"fetched_at":"2026-10-17 20:02:07+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/OMP%20B%26H%20CIS.pdf","url":"https://indiainsurances.com/policy/national-insurance/overseas-mediclaim-business-and-holiday-nictiop14011v021314/document/13176"},{"kind":"cis","label":"OMP E&S CIS","pages":3,"fetched_at":"2026-10-17 20:02:12+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/OMP%20E%26S%20CIS.pdf","url":"https://indiainsurances.com/policy/national-insurance/overseas-mediclaim-business-and-holiday-nictiop14011v021314/document/13178"},{"kind":"proposal","label":"Proposal Form","pages":null,"fetched_at":"2026-10-17 20:01:24+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/OMP%20B%26H%20-%20Proposal%20Form.pdf","url":"https://indiainsurances.com/policy/national-insurance/overseas-mediclaim-business-and-holiday-nictiop14011v021314/document/30402"},{"kind":"proposal","label":"OMP E&S Proposal","pages":null,"fetched_at":"2026-10-17 20:01:29+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/OMP%20E%26S%20-%20Proposal%20Form.pdf","url":"https://indiainsurances.com/policy/national-insurance/overseas-mediclaim-business-and-holiday-nictiop14011v021314/document/30404"},{"kind":"claim-form","label":"Claim Form","pages":null,"fetched_at":"2026-10-17 20:02:31+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/OMP%20B%26H%20-%20Claim%20Form.pdf","url":"https://indiainsurances.com/policy/national-insurance/overseas-mediclaim-business-and-holiday-nictiop14011v021314/document/30421"},{"kind":"claim-form","label":"OMP Study Claim Form","pages":null,"fetched_at":"2026-10-17 20:02:37+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/OMP%20E%26S%20-%20Claim%20Form.pdf","url":"https://indiainsurances.com/policy/national-insurance/overseas-mediclaim-business-and-holiday-nictiop14011v021314/document/30422"}],"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":"Overseas Mediclaim Business And Holiday (UIN NICTIOP14011V021314), IndiaInsurances, https://indiainsurances.com/policy/national-insurance/overseas-mediclaim-business-and-holiday-nictiop14011v021314"}