{"uin":"OICHLGP25043V032425","name":"ORIENTAL INSURANCE BANK SATHI POLICY GROUP 2024","url":"https://indiainsurances.com/policy/oriental-insurance/oriental-insurance-bank-sathi-policy-group-2024-oichlgp25043v032425","insurer":{"slug":"oriental-insurance","name":"The Oriental Insurance Company Limited","url":"https://indiainsurances.com/insurer/oriental-insurance"},"line":"health","category":"group-health","category_name":"Group health","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"This is a group health indemnity policy for bank account holders with Plan A and Plan B sum insured options. It has a 15 day initial waiting period, 36 month pre-existing disease waiting period, 30 day free look period and lifelong renewability subject to continuous renewal of the group policy.","analysis":{"state":"machine","analysed_at":"2026-10-19 22:08:09.988407+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":["PLAN A","PLAN B"],"display":"PLAN A and PLAN B","note":null,"quote":"I | Sum Insured (INR) | PLAN A | PLAN B\n2, 3, 4 & 5 | 6, 8, 10, 15, 20, & 25","sources":[{"clause":"2.1","heading":"The Policy covers reasonable and customary charges/expenses incurred in respect of","page":1,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-insurance-bank-sathi-policy-group-2024-oichlgp25043v032425/document/13769#c-2-1"}],"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":"The policy is renewable for a further period of one year.","display":"Renewable for a further period of one year","note":null,"quote":"The policy shall ordinarily be renewable for a further period of one year except on grounds of fraud, misrepresentation by the insured person and non-disclosure by the insured person..","sources":[{"clause":"6.4","heading":"RENEWAL OF POLICY","page":40,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-insurance-bank-sathi-policy-group-2024-oichlgp25043v032425/document/13769#c-6-4"}],"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 emergency hospitalization, notice must be given within 24 hours from the date emergency hospitalization is required or before discharge, whichever is earlier. For planned hospitalization, notice must be given at least 48 hours before admission.","display":"Emergency: within 24 hours or before discharge, whichever is earlier; planned: at least 48 hours before admission","note":null,"quote":"Within 24 hours from the date of emergency hospitalization required or before the Insured Person’s discharge from Hospital, whichever is earlier. ... At least 48 hours prior to admission in Hospital in case of a planned Hospitalization","sources":[{"clause":"5.6(i)","heading":null,"page":31,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-insurance-bank-sathi-policy-group-2024-oichlgp25043v032425/document/13769#c-5-6-i"},{"clause":"5.6(ii)","heading":null,"page":31,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-insurance-bank-sathi-policy-group-2024-oichlgp25043v032425/document/13769#c-5-6-ii"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Duly completed claim form","Photo ID and Age proof","All previous consultation papers indicating history and treatment details for current ailment","Copy of indoor case papers with nursing sheet(If Available) detailing medical history of the Insured Person, treatment details and the Insured Person’s progress","Numbered Bill, Receipt and Discharge certificate / card from the Hospital","Numbered Cash Memos from the Hospitals(s) / Chemists(s), supported by proper prescriptions","Numbered Receipt and Pathological test reports from Pathologist supported by the note from the attending Medical Practitioner / Surgeon recommending such tests","Surgeon's certificate stating nature of operation performed and Surgeons’ numbered bill and receipt","Attending Medical Practitioner’s / Anaesthetist’s numbered bill and receipt, and certificate regarding diagnosis","Copy of PAN Card and NEFT Details","Documents in respect of organ donation claim","Authorisation Letter to TPA to obtain medical and other records from any Hospital, Laboratory or other agency","Any other information/document/data required by Insurer/TPA"],"display":"Claim form, ID and age proof, consultation papers, indoor case papers, bills, receipts, discharge card, prescriptions, test reports, surgeon/doctor bills and certificates, PAN and NEFT details, organ donation documents, authorization letter and any other information required","note":null,"quote":"Final claim along with original Bills/ Cash memos/reports, claim form and documents as listed below should be submitted to the Company / TPA within Fifteen (15) days of discharge from the Hospital / Nursing Home:\ni. Duly completed claim form\nii. Photo ID and Age proof;\niii. All previous consultation papers indicating history and treatment details for current ailment;\niv. Copy of indoor case papers with nursing sheet(If Available) detailing medical history of the Insured Person, treatment details and the Insured Person’s progress; ... Numbered Bill, Receipt and Discharge certificate / card from the Hospital. ... Numbered Cash Memos from the Hospitals(s) / Chemists(s), supported by proper prescriptions. ... Numbered Receipt and Pathological test reports from Pathologist supported by the note from the attending Medical Practitioner / Surgeon recommending such tests. ... Surgeon's certificate stating nature of operation performed and Surgeons’ numbered bill and receipt. ... Attending Medical Practitioner’s / Anaesthetist’s numbered bill and receipt, and certificate regarding diagnosis. ... Copy of PAN Card and NEFT Details. ... Documents in respect of organ donation claim, shall be in accordance with the extant Act, Central / State Rules / regulations, as applicable, in respect of transplantation of Human Organs. ... Authorisation Letter to TPA to obtain medical and other records from any Hospital, Laboratory or other agency. ... Any other information/document/data required by Insurer/TPA","sources":[{"clause":"B(iv)","heading":null,"page":32,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-insurance-bank-sathi-policy-group-2024-oichlgp25043v032425/document/13769#c-b-iv"},{"clause":"B(v)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-insurance-bank-sathi-policy-group-2024-oichlgp25043v032425/document/13769#c-b-v"},{"clause":"B(vi)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-insurance-bank-sathi-policy-group-2024-oichlgp25043v032425/document/13769#c-b-vi"},{"clause":"B(vii)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-insurance-bank-sathi-policy-group-2024-oichlgp25043v032425/document/13769#c-b-vii"},{"clause":"B(viii)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-insurance-bank-sathi-policy-group-2024-oichlgp25043v032425/document/13769#c-b-viii"},{"clause":"B(ix)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-insurance-bank-sathi-policy-group-2024-oichlgp25043v032425/document/13769#c-b-ix"},{"clause":"B(x)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-insurance-bank-sathi-policy-group-2024-oichlgp25043v032425/document/13769#c-b-x"},{"clause":"B(xi)","heading":null,"page":34,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-insurance-bank-sathi-policy-group-2024-oichlgp25043v032425/document/13769#c-b-xi"},{"clause":"B(xii)","heading":null,"page":34,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-insurance-bank-sathi-policy-group-2024-oichlgp25043v032425/document/13769#c-b-xii"},{"clause":"B(xiii)","heading":null,"page":34,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-insurance-bank-sathi-policy-group-2024-oichlgp25043v032425/document/13769#c-b-xiii"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The company must settle or reject a claim within 15 days from receipt of the last necessary document. If investigation is warranted, it must complete investigation not later than 30 days and settle the claim within 45 days from receipt of the last necessary document, with interest for delay beyond 45 days.","display":"15 days from last necessary document; if investigated, within 45 days from last necessary document","note":null,"quote":"The Company shall settle or reject a claim, as the case may be, within 15 days from the date of receipt of last necessary document. ... 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 the claim within 45 days from the date of receipt of last necessary document.. ... In case of delay beyond stipulated 45 days, In case of delay beyond stipulated 45 days, the Company shall be liable to pay interest to the policyholder at a rate 2% above bank rate from the date of receipt of last necessary document to the date of payment of claim.","sources":[{"clause":"B(xiii)","heading":null,"page":34,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-insurance-bank-sathi-policy-group-2024-oichlgp25043v032425/document/13769#c-b-xiii"}],"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":["Pre-existing Diseases - code –ExcI. 01","Specified disease / procedure & period- code- ExcI. 02","15 day waiting period- code – ExcI. 03","Investigation & Evaluation – Code – ExcI. 04","Rest Cure, rehabilitation and respite care – Code –ExcI. 05","Obesity/Weight Control : Code- EscI. 06","Change of Gender Treatments : Code – ExcI. 07","Cosmetic or Plastic Surgery- Code- ExcI. 08","Hazardous or Adventure sports- Code- ExcI. 09","Breach of law – Code –ExcI. 10","Excluded Providers- Code – ExcI. 11","Treatment of Alcoholic, drug or substance abuse or any addictive condition and consequences thereof is excluded.","Refractive Error- Code- Excl. 15","Unproven Treatments- Code – ExcI. 16","Sterility and Infertility- Code- ExcI. 17"],"display":"Waiting-period exclusions for PED, specified diseases and 15 day waiting period, plus investigation, rest cure, obesity, change of gender, cosmetic surgery, adventure sports, breach of law, excluded providers, alcohol/drug abuse, refractive error, unproven treatments and sterility/infertility exclusions","note":null,"quote":"A. Pre-existing Diseases - code –ExcI. 01 ... B.Specified disease / procedure & period- code- ExcI. 02 ... C. 15 day waiting period- code – ExcI. 03 ... D. Investigation & Evaluation – Code – ExcI. 04 ... E. Rest Cure, rehabilitation and respite care – Code –ExcI. 05 ... F. Obesity/Weight Control : Code- EscI. 06 ... G. Change of Gender Treatments : Code – ExcI. 07 ... H. Cosmetic or Plastic Surgery- Code- ExcI. 08 ... Hazardous or Adventure sports- Code- ExcI. 09 ... J. Breach of law – Code –ExcI. 10 ... K. Excluded Providers- Code – ExcI. 11 ... Treatment of Alcoholic, drug or substance abuse or any addictive condition and consequences thereof is excluded. ... O. Refractive Error- Code- Excl. 15 ... P. Unproven Treatments- Code – ExcI. 16 ... Q. Sterility and Infertility- Code- ExcI. 17","sources":[{"clause":null,"heading":"A. Pre-existing Diseases - code –ExcI. 01","page":22,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-insurance-bank-sathi-policy-group-2024-oichlgp25043v032425/document/13769#c-a-pre-existing-diseases-code-exci-01"},{"clause":null,"heading":"B.Specified disease / procedure & period- code- ExcI. 02","page":23,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-insurance-bank-sathi-policy-group-2024-oichlgp25043v032425/document/13769#c-b-specified-disease-procedure-period-code-exci-0"},{"clause":null,"heading":"C. 15 day waiting period- code – ExcI. 03","page":24,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-insurance-bank-sathi-policy-group-2024-oichlgp25043v032425/document/13769#c-c-15-day-waiting-period-code-exci-03"},{"clause":null,"heading":"D. Investigation & Evaluation – Code – ExcI. 04","page":24,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-insurance-bank-sathi-policy-group-2024-oichlgp25043v032425/document/13769#c-d-investigation-evaluation-code-exci-04"},{"clause":null,"heading":"E. Rest Cure, rehabilitation and respite care – Code –ExcI. 05","page":24,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-insurance-bank-sathi-policy-group-2024-oichlgp25043v032425/document/13769#c-e-rest-cure-rehabilitation-and-respite-care-code"},{"clause":null,"heading":"F. Obesity/Weight Control : Code- EscI. 06","page":24,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-insurance-bank-sathi-policy-group-2024-oichlgp25043v032425/document/13769#c-f-obesity-weight-control-code-esci-06"},{"clause":null,"heading":"G. Change of Gender Treatments : Code – ExcI. 07","page":25,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-insurance-bank-sathi-policy-group-2024-oichlgp25043v032425/document/13769#c-g-change-of-gender-treatments-code-exci-07"},{"clause":null,"heading":"H. Cosmetic or Plastic Surgery- Code- ExcI. 08","page":25,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-insurance-bank-sathi-policy-group-2024-oichlgp25043v032425/document/13769#c-h-cosmetic-or-plastic-surgery-code-exci-08"},{"clause":null,"heading":"J. Breach of law – Code –ExcI. 10","page":25,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-insurance-bank-sathi-policy-group-2024-oichlgp25043v032425/document/13769#c-j-breach-of-law-code-exci-10"},{"clause":null,"heading":"K. Excluded Providers- Code – ExcI. 11","page":25,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-insurance-bank-sathi-policy-group-2024-oichlgp25043v032425/document/13769#c-k-excluded-providers-code-exci-11"},{"clause":null,"heading":"L. Code- ExcI. 12","page":25,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-insurance-bank-sathi-policy-group-2024-oichlgp25043v032425/document/13769#c-l-code-exci-12"},{"clause":null,"heading":"O. Refractive Error- Code- Excl. 15","page":26,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-insurance-bank-sathi-policy-group-2024-oichlgp25043v032425/document/13769#c-o-refractive-error-code-excl-15"},{"clause":null,"heading":"P. Unproven Treatments- Code – ExcI. 16","page":26,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-insurance-bank-sathi-policy-group-2024-oichlgp25043v032425/document/13769#c-p-unproven-treatments-code-exci-16"},{"clause":null,"heading":"Q. Sterility and Infertility- Code- ExcI. 17","page":26,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-insurance-bank-sathi-policy-group-2024-oichlgp25043v032425/document/13769#c-q-sterility-and-infertility-code-exci-17"}],"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":"The insured may first contact the company through its website, toll-free number, e-mail or branch grievance cell. If not satisfied, the insured may contact the grievance officer at the Customer Service Department, Corporate Office, before approaching the Insurance Ombudsman or IGMS.","display":"Contact Oriental Insurance by website, toll-free, e-mail or branch grievance cell; then the grievance officer at Customer Service Department, Corporate Office","note":null,"quote":"In case of any grievance the insured person may contact the company through\nWebsite: www.orientalinsurance.org.in Toll free: 1800118485 Or 011- 33208485 E-mail: csd@orientalinsurance.co.in Insured person may also approach the grievance cell at any of the company’s branches with the details of grievance. If Insured person is not satisfied with the redressal of grievance through one of the above methods, insured person may contact the grievance officer at:\nCustomer Service Department, Corporate Office, Block - 4, Plate-A, NBCC Office Complex, Kidwai Nagar East, New Delhi - 110023.","sources":[{"clause":"6.14","heading":"GRIEVANCE REDRESSAL","page":42,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-insurance-bank-sathi-policy-group-2024-oichlgp25043v032425/document/13769#c-6-14"}],"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":"Plan A: INR 2, 3, 4 and 5 lacs. Plan B: INR 6, 8, 10, 15, 20 and 25 lacs.","display":"Plan A: INR 2, 3, 4 & 5 lacs; Plan B: INR 6, 8, 10, 15, 20 & 25 lacs","note":"The policy wording table states the Plan A and Plan B slabs; the prospectus states that these are in lacs. INR 15, 20 and 25 lacs are available only for entry age up to 65 years, though available above 65 years on renewals.","quote":"Sum Insured options of INR 2,3,4,5,6,8,10,15,20 &25 Lacs. ... I | Sum Insured (INR) | PLAN A | PLAN B\n2, 3, 4 & 5 | 6, 8, 10, 15, 20, & 25 ... Note: The Sum Insured levels of INR 15, 20, and 25 Lacs is available only for the entry age groups up to 65 years (Inclusive of 65 Years age) and are not available for entry age groups above 65 years.","sources":[{"clause":"2","heading":null,"page":2,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-insurance-bank-sathi-policy-group-2024-oichlgp25043v032425/document/13766#c-2"},{"clause":"2.1","heading":"The Policy covers reasonable and customary charges/expenses incurred in respect of","page":1,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-insurance-bank-sathi-policy-group-2024-oichlgp25043v032425/document/13769#c-2-1"},{"clause":null,"heading":"DOMICILIARY HOSPITALISATION BENEFITS","page":5,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-insurance-bank-sathi-policy-group-2024-oichlgp25043v032425/document/13769#c-domiciliary-hospitalisation-benefits"}],"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":15},"display":"15 days","note":"Accident claims are excepted if otherwise covered; the waiting period also applies to enhanced sum insured.","quote":"Expenses related to the treatment of any illness within 15 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered.","sources":[{"clause":null,"heading":"C. 15 day waiting period- code – ExcI. 03","page":24,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-insurance-bank-sathi-policy-group-2024-oichlgp25043v032425/document/13769#c-c-15-day-waiting-period-code-exci-03"}],"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":"For sum insured enhancement, the exclusion applies afresh to the increased sum insured; portability credit may reduce the waiting period.","quote":"Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first policy with the insurer.","sources":[{"clause":null,"heading":"A. Pre-existing Diseases - code –ExcI. 01","page":22,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-insurance-bank-sathi-policy-group-2024-oichlgp25043v032425/document/13769#c-a-pre-existing-diseases-code-exci-01"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"quote-verified","value":{"unit":"days","amount":90},"display":"90 Days","note":"The listed specific disease/procedure waiting periods also include 1 year, 2 years and 3Years tiers.","quote":"Hypertension. | 90 Days\nxviii | Diabetes | 90 Days ... I | Benign ENT disorders and surgeries i.e. Tonsillectomy, Adenoidectomy, Mastoidectomy, Tympanoplasty etc. | 1 year ... Iii | Surgery of hernia. | 2 years ... xxii | Joint Replacement due to Degenerative condition. | 3Years","sources":[{"clause":null,"heading":"B.Specified disease / procedure & period- code- ExcI. 02","page":23,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-insurance-bank-sathi-policy-group-2024-oichlgp25043v032425/document/13769#c-b-specified-disease-procedure-period-code-exci-0"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"quote-verified","value":["Benign ENT disorders and surgeries i.e. Tonsillectomy, Adenoidectomy, Mastoidectomy, Tympanoplasty etc.","Polycystic ovarian diseases.","Surgery of hernia.","Surgery of hydrocele.","Non infective Arthritis.","Undescendant Testes.","Cataract.","Surgery of benign prostatic hypertrophy.","Hysterectomy for menorrhagia or fibromyoma or myomectomy or prolapse of uterus.","Fissure / Fistula in anus.","Piles.","Sinusitis and related disorders.","Surgery of gallbladder and bile duct excluding malignancy.","Surgery of genito-urinary system excluding malignancy.","Pilonidal Sinus.","Gout and Rheumatism.","Hypertension.","Diabetes","Calculus diseases.","Surgery for prolapsed inter vertebral disk unless arising from accident.","Surgery of varicose veins and varicose ulcers.","Joint Replacement due to Degenerative condition.","Age related osteoarthritis and Osteoporosis."],"display":"Benign ENT disorders and surgeries, polycystic ovarian diseases, hernia, hydrocele, non infective arthritis, undescendant testes, cataract, benign prostatic hypertrophy, hysterectomy, fissure/fistula, piles, sinusitis, gallbladder and bile duct surgery, genito-urinary surgery, pilonidal sinus, gout and rheumatism, hypertension, diabetes, calculus diseases, prolapsed inter vertebral disk surgery, varicose veins/ulcers, degenerative joint replacement, age related osteoarthritis and osteoporosis","note":null,"quote":"Ailment / Disease / Surgery | Waiting Period\nI | Benign ENT disorders and surgeries i.e. Tonsillectomy, Adenoidectomy, Mastoidectomy, Tympanoplasty etc. | 1 year\nIi | Polycystic ovarian diseases. | 1 year\nIii | Surgery of hernia. | 2 years\nIv | Surgery of hydrocele. | 2 years\nV | Non infective Arthritis. | 2 years\nVi | Undescendant Testes. | 2 Years\nVii | Cataract. | 2 Years\nViii | Surgery of benign prostatic hypertrophy. | 2 Years\nIx | Hysterectomy for menorrhagia or fibromyoma or myomectomy or prolapse of uterus. | 2 Years\nX | Fissure / Fistula in anus. | 2 Years\nXi | Piles. | 2 Years\nXii | Sinusitis and related disorders. | 2 Years\nXiii | Surgery of gallbladder and bile duct excluding malignancy. | 2 Years\nXiv | Surgery of genito-urinary system excluding malignancy. | 2 Years\nXv | Pilonidal Sinus. | 2 Years\nXvi | Gout and Rheumatism. | 2 Years\nXvii | Hypertension. | 90 Days\nxviii | Diabetes | 90 Days\nXix | Calculus diseases. | 2 Years\nXx | Surgery for prolapsed inter vertebral disk unless arising from accident. | 2 Years\nXxi | Surgery of varicose veins and varicose ulcers. | 2 Years\nxxii | Joint Replacement due to Degenerative condition. | 3Years\nXxiii | Age related osteoarthritis and Osteoporosis. | 3 Years","sources":[{"clause":null,"heading":"B.Specified disease / procedure & period- code- ExcI. 02","page":23,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-insurance-bank-sathi-policy-group-2024-oichlgp25043v032425/document/13769#c-b-specified-disease-procedure-period-code-exci-0"}],"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":"years","amount":5},"display":"five continuous years","note":"For enhanced sums insured, five continuous years apply from the date of enhancement on the enhanced limits.","quote":"After completion of five continuous years under the policy no look back to be applied. This period of five years is called as moratorium period.","sources":[{"clause":"6.11","heading":"MORATORIUM PERIOD","page":42,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-insurance-bank-sathi-policy-group-2024-oichlgp25043v032425/document/13769#c-6-11"}],"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":"conflicting","value":"The insured person can port the policy to other insurers by applying at least 30 days before, but not earlier than 60 days from, the policy renewal date; accrued continuity benefits in waiting periods are available as per IRDAI guidelines. Bank group health members may port to another indemnity based group health policy offered to account holders of the same bank.","display":"Can port to other insurers with waiting-period continuity; apply at least 30 days before and not earlier than 60 days from renewal","note":"The policy wording says apply atleast 30 days before renewal. The prospectus repeats that wording but also says: \"atleast 45 days before, but not earlier than 60 days from the policy renewal date\".","quote":"The Insured Person will have the option to port the Policy to other insurers by applying to such insurer to port the entire policy along with all the members of the family, if any, atleast 30 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 the accrued continuity benefits in waiting periods as per IRDAI guidelines on portability. ... Members of an indemnity based group health insurance policy offered to account holders of a bank are allowed portability of their coverage to another indemnity based group health insurance policy offered by a different insurer to the account holders of the same bank.","sources":[{"clause":"6.7","heading":"PORTABILITY","page":41,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-insurance-bank-sathi-policy-group-2024-oichlgp25043v032425/document/13769#c-6-7"},{"clause":"6.7(a)","heading":null,"page":41,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-insurance-bank-sathi-policy-group-2024-oichlgp25043v032425/document/13769#c-6-7-a"},{"clause":"6.7","heading":"PORTABILITY","page":40,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-insurance-bank-sathi-policy-group-2024-oichlgp25043v032425/document/13766#c-6-7"}],"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, with lifelong renewability subject to continuous renewal of the group policy","note":null,"quote":"The Insured Person is eligible to be covered under this policy from birth/day 1 (as a dependent child) up to the age of 70 years with lifelong renewability subject to continuous renewal of the group policy.","sources":[{"clause":"1","heading":"WHEREAS the insured named in the Schedule hereto has by a proposal and","page":1,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-insurance-bank-sathi-policy-group-2024-oichlgp25043v032425/document/13769#c-1"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"quote-verified","value":"No loading applies on renewals based on individual claims experience.","display":"No loading on renewals based on individual claims experience","note":null,"quote":"No loading shall apply on renewals based on individual claims experience.","sources":[{"clause":"6.4","heading":"RENEWAL OF POLICY","page":40,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-insurance-bank-sathi-policy-group-2024-oichlgp25043v032425/document/13769#c-6-4"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The insured may cancel at any time during the term by giving 7 days’ written notice. For annual policies, refund is proportionate premium for the unexpired policy period subject to no claims; for terms over 1 year, refund is for unexpired policy years whose risk coverage has not commenced, and no refund is made if a claim is admitted, lodged or any benefit availed.","display":"Cancel with 7 days’ notice; proportionate refund for unexpired period if no claim","note":null,"quote":"Cancellation by insured - Any time during the term, by giving 7 days’ notice in writing. Refund by Insurer :\na). proportionate premium for unexpired policy period, in case of Annual policies, subject to no claim (s)having been made during the policy period.\nb). 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. 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 by the Insured person under the Policy.","sources":[{"clause":"5.14","heading":"CANCELLATION CLAUSE","page":38,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-insurance-bank-sathi-policy-group-2024-oichlgp25043v032425/document/13769#c-5-14"}],"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":"The policy covers medical or surgical treatment and services rendered in India, and admissible claims are payable only in Indian Rupees.","display":"India only; claims payable in Indian Rupees","note":null,"quote":"This Policy covers Medical/ Surgical treatment and/or services rendered in India.\n- Admissible claims shall be payable only in Indian Rupees.","sources":[{"clause":"5.5","heading":"PLACE OF TREATMENT AND PAYMENT","page":30,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-insurance-bank-sathi-policy-group-2024-oichlgp25043v032425/document/13769#c-5-5"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"thirty days","note":"Applicable at policy inception, not on renewals or porting.","quote":"The insured shall be allowed a period of thirty days from date of receipt of the Policy to review the terms and conditions of the Policy, and to return the same if not acceptable.","sources":[{"clause":"6.2","heading":"FREE LOOK PERIOD","page":39,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-insurance-bank-sathi-policy-group-2024-oichlgp25043v032425/document/13769#c-6-2"}],"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":"The renewal clause states 30 days. The definition states fifteen days for monthly premium payment mode and thirty days in all other cases.","quote":"In the event of delay in renewal of the Policy, a grace period of 30 days is allowed. ... The grace period for payment of the premium for all types of insurance policies shall be: fifteen days where premium payment mode is monthly and thirty days in all other cases.","sources":[{"clause":"6.3","heading":"GRACE PERIOD","page":40,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-insurance-bank-sathi-policy-group-2024-oichlgp25043v032425/document/13769#c-6-3"},{"clause":"3.16","heading":"GRACE PERIOD","page":16,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-insurance-bank-sathi-policy-group-2024-oichlgp25043v032425/document/13769#c-3-16"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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. However, the insurers shall offer coverage during the grace period if the premium is paid in instalments during the policy period.","display":"No coverage during grace period, except coverage is offered if premium is paid in instalments during the policy period","note":null,"quote":"Coverage is not available during the Grace Period. vi the insurers shall offer coverage during the grace period, if the premium is paid in instalments during the policy period","sources":[{"clause":"6.4","heading":"RENEWAL OF POLICY","page":40,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-insurance-bank-sathi-policy-group-2024-oichlgp25043v032425/document/13769#c-6-4"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"Daily room limit, if any.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Childbirth cover and any waiting period.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"ped_cover_group","label":"Pre-existing diseases","section":"Waiting periods","meaning":"Whether pre-existing diseases are covered from day one for the group.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"BANK_SAATHI_POLICY_DOCUMENT_FINAL_fe4bfc440a.pdf","pages":57,"fetched_at":"2026-10-17 19:53:10+00","source_url":"https://oicl-cms-media.s3.ap-south-1.amazonaws.com/BANK_SAATHI_POLICY_DOCUMENT_FINAL_fe4bfc440a_6369e6da60.pdf","url":"https://indiainsurances.com/policy/oriental-insurance/oriental-insurance-bank-sathi-policy-group-2024-oichlgp25043v032425/document/13769"},{"kind":"prospectus","label":"BANK_SAATHI_PROSPECTUS_FINAL_c17ba2dd40.pdf","pages":55,"fetched_at":"2026-10-17 19:52:35+00","source_url":"https://oicl-cms-media.s3.ap-south-1.amazonaws.com/BANK_SAATHI_PROSPECTUS_FINAL_c17ba2dd40_b32fd2e9b7.pdf","url":"https://indiainsurances.com/policy/oriental-insurance/oriental-insurance-bank-sathi-policy-group-2024-oichlgp25043v032425/document/13766"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Oriental Insurance official website","url":"https://www.orientalinsurance.org.in/","note":"Buy directly from the insurer."},{"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":"insurer","name":"Claim forms","url":"https://www.orientalinsurance.org.in/claim-form","note":null},{"purpose":"claim","kind":"insurer","name":"Health claim status","url":"https://www.orientalinsurance.org.in/health-claim-status","note":null},{"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":"insurer","name":"Grievance redressal","url":"https://www.orientalinsurance.org.in/grievance-redressal","note":null},{"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":"ORIENTAL INSURANCE BANK SATHI POLICY GROUP 2024 (UIN OICHLGP25043V032425), IndiaInsurances, https://indiainsurances.com/policy/oriental-insurance/oriental-insurance-bank-sathi-policy-group-2024-oichlgp25043v032425"}