{"uin":"OICHLIP24174V012324","name":"Oriental ART & Surrogacy Policy","url":"https://indiainsurances.com/policy/oriental-insurance/oriental-art-and-surrogacy-policy-oichlip24174v012324","insurer":{"slug":"oriental-insurance","name":"The Oriental Insurance Company Limited","url":"https://indiainsurances.com/insurer/oriental-insurance"},"line":"health","category":"health-indemnity","category_name":"Health insurance (hospitalisation)","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"This policy indemnifies hospitalisation expenses for complications arising due to oocyte retrieval under Plan A or post-partum delivery complications under Plan B. Plan A runs for Twelve months with sum insured options of 1lakh, 2lakhs and 3lakhs, and Plan B runs for Thirty Six months with sum insured options of 3lakhs, 5lakhs, 7lakhs and 10lakhs.","analysis":{"state":"machine","analysed_at":"2026-10-19 22:01:16.171235+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: Assisted Reproduction Technique (ART) - Oocyte Donor","Plan B: Surrogate Mother"],"display":"Plan A: Assisted Reproduction Technique (ART) - Oocyte Donor; Plan B: Surrogate Mother","note":null,"quote":"PLANS: There are Two Plans under the Policy- Plan A & Plan B. All the Terms, conditions, exclusions shall be applicable as per the Plan opted. ... PLAN A: ASSISTED REPRODUCTION TECHNIQUE (ART) - OOCYTE DONOR ... PLAN B: SURROGATE MOTHER","sources":[{"clause":"2","heading":"COVERAGE","page":6,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-art-and-surrogacy-policy-oichlip24174v012324/document/13792#c-2"},{"clause":null,"heading":"PLAN A: ASSISTED REPRODUCTION TECHNIQUE (ART) - OOCYTE DONOR","page":6,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-art-and-surrogacy-policy-oichlip24174v012324/document/13792#c-plan-a-assisted-reproduction-technique-art-oocyt"},{"clause":null,"heading":"PLAN B: SURROGATE MOTHER","page":6,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-art-and-surrogacy-policy-oichlip24174v012324/document/13792#c-plan-b-surrogate-mother"}],"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":"Plan A runs for Twelve Months and Plan B runs for Thirty Six Months. The policy is non-renewable and expires after that period.","display":"Plan A: Twelve Months; Plan B: Thirty Six Months; non-renewable","note":null,"quote":"RENEWAL OF POLICY: The policy is non-renewable. In case of Plan A: (Oocyte Donor) after completion of Twelve Months period and in case of Plan B (Surrogate Mother) after completion of Thirty Six Months, the policy will expire and shall not be renewed.","sources":[{"clause":"5.14","heading":"RENEWAL OF POLICY","page":16,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-art-and-surrogacy-policy-oichlip24174v012324/document/13792#c-5-14"}],"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":"Immediate notice of claim must be given to the Company or TPA while taking treatment, within 48 hours of admission but before discharge, unless waived in writing.","display":"Within 48 hours of admission but before discharge","note":null,"quote":"Immediate notice of claim with particulars relating to Policy Number, ID Card No., Name of insured person in respect of whom claim is made, Nature of disease / injury and Name and Address of the attending medical practitioner / Hospital/Nursing Home etc. should be given to the Company / TPA while taking treatment in the Hospital / Nursing Home by Fax, Email. Such notice should be given within 48 hours of admission but before discharge from Hospital / Nursing Home, unless waived in writing.","sources":[{"clause":"A","heading":"SPECIFIC TERMS & CLAUSES","page":16,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-art-and-surrogacy-policy-oichlip24174v012324/document/13792#c-a-2"}],"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":["Original bills, all receipts and discharge certificate / card from the hospital. supported by proper prescription","All documents pertaining to the illness, starting from the date it was first detected, i.e. Doctor’s consultations reports / history","Medical history of the patient recorded by the Hospital.","Original Cash-memo from the hospital (s) / chemist (s) / pharmacy.","Implant stickers or invoice where ever applicable","Original receipt, pathological and other test reports from a pathologist / radiologist including film etc supported by the note from attending Medical Practitioner / Surgeon demanding such tests.","Attending Consultants / Anesthetists / Specialist Original certificates regarding diagnosis and bills / receipts etc.","Surgeon’s original certificate stating diagnosis and nature of operation performed along with bills / receipts etc.","Proof of Oocyte retrieval/Embryo Transfer, whichever is applicable","Certificate from treating clinician on number of attempts in case of surrogacy","KYC of the Insured and KYC of the nominee / legal heir in case of death claim under the policy.","Account details with proof for NEFT of the Insured and of nominee / legal heir in case of death claim under the policy i.e. cancelled cheque, passbook copy has to be submitted with the claim documents.","Any other information / documents required by Company/TPA."],"display":"Claim form, original bills/cash memos/reports and the listed medical, ART/surrogacy, KYC and NEFT documents","note":"Final claim documents are to be submitted within 15 days of discharge; post-hospitalisation supporting papers are also to be submitted within 15 days from completion of that treatment.","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 15 days of discharge from the Hospital / Nursing Home. ... a) Original bills, all receipts and discharge certificate / card from the hospital. supported by proper prescription ... b) All documents pertaining to the illness, starting from the date it was first detected, i.e. Doctor’s consultations reports / history ... c) Medical history of the patient recorded by the Hospital. ... d) Original Cash-memo from the hospital (s) / chemist (s) / pharmacy. ... e) Implant stickers or invoice where ever applicable ... f) Original receipt, pathological and other test reports from a pathologist / radiologist including film etc supported by the note from attending Medical Practitioner / Surgeon demanding such tests. ... g) Attending Consultants / Anesthetists / Specialist Original certificates regarding diagnosis and bills / receipts etc. ... h) Surgeon’s original certificate stating diagnosis and nature of operation performed along with bills / receipts etc. ... i) Proof of Oocyte retrieval/Embryo Transfer, whichever is applicable ... j) Certificate from treating clinician on number of attempts in case of surrogacy ... k) KYC of the Insured and KYC of the nominee / legal heir in case of death claim under the policy. ... l) Account details with proof for NEFT of the Insured and of nominee / legal heir in case of death claim under the policy i.e. cancelled cheque, passbook copy has to be submitted with the claim documents. ... m) Any other information / documents required by Company/TPA.","sources":[{"clause":"A","heading":"SPECIFIC TERMS & CLAUSES","page":16,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-art-and-surrogacy-policy-oichlip24174v012324/document/13792#c-a-2"},{"clause":"A(a)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-art-and-surrogacy-policy-oichlip24174v012324/document/13792#c-a-a-10"},{"clause":"A(b)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-art-and-surrogacy-policy-oichlip24174v012324/document/13792#c-a-b-10"},{"clause":"A(c)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-art-and-surrogacy-policy-oichlip24174v012324/document/13792#c-a-c-6"},{"clause":"A(d)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-art-and-surrogacy-policy-oichlip24174v012324/document/13792#c-a-d-6"},{"clause":"A(e)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-art-and-surrogacy-policy-oichlip24174v012324/document/13792#c-a-e-4"},{"clause":"A(f)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-art-and-surrogacy-policy-oichlip24174v012324/document/13792#c-a-f-2"},{"clause":"A(g)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-art-and-surrogacy-policy-oichlip24174v012324/document/13792#c-a-g-2"},{"clause":"A(h)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-art-and-surrogacy-policy-oichlip24174v012324/document/13792#c-a-h-2"},{"clause":"A(i)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-art-and-surrogacy-policy-oichlip24174v012324/document/13792#c-a-i-3"},{"clause":"A(j)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-art-and-surrogacy-policy-oichlip24174v012324/document/13792#c-a-j"},{"clause":"A(k)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-art-and-surrogacy-policy-oichlip24174v012324/document/13792#c-a-k"},{"clause":"A(l)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-art-and-surrogacy-policy-oichlip24174v012324/document/13792#c-a-l"},{"clause":"A(m)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-art-and-surrogacy-policy-oichlip24174v012324/document/13792#c-a-m"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The Company shall settle or reject a claim within 30 days from receipt of the last necessary document. If investigation is warranted, it must complete investigation within 30 days and settle or reject the claim within 45 days from receipt of the last necessary document.","display":"30 days from last necessary document; 45 days if investigation is warranted","note":null,"quote":"i) The Company shall settle or reject a claim, as the case may be, within 30 days from the date of receipt of last necessary document. ... iii) However, where the circumstance of a claim warrant an investigation in the opinion of the Company, it shall initiate and complete such investigation at the earliest, in any case not later than 30 days from the date of receipt of last necessary document. In such cases, the Company shall settle or reject the claim within 45 days from the date of receipt of last necessary document.","sources":[{"clause":"5.9(i)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-art-and-surrogacy-policy-oichlip24174v012324/document/13792#c-5-9-i"},{"clause":"5.9(iii)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-art-and-surrogacy-policy-oichlip24174v012324/document/13792#c-5-9-iii"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months","Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded.","Expenses related to any admission primarily for enforced bed rest and not for receiving treatment.","Expenses related to any treatment, including surgical management, to change characteristics of the body to those of the opposite.","Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an accident, burns(s) or Cancer","Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports","Expenses for treatment directly arising from or consequent upon any Insured Person commiting or attempting to commit a breach of law with criminal intent.","Expenses incurred towards treatment in any hospital or by any Medical Practitioner or any other provider specifically excluded by the Insurer","Treatment for, Alcoholic drug or substance abuse or any addictive condition and consequences thereof.","Expenses related to any unproven treatment, services and supplies for or in connection with any treatment.","Expenses related to sterility and infertility.","Medical treatment expenses traceable to childbirth","Any illness, sickness or disease other than complications arising out of pregnancy and post-partum delivery for the surrogate mother or complications arising out of oocyte retrieval for the oocyte donor.","New Born Baby born through Surrogacy to the Surrogate Mother.","Treatment taken outside the geographical limits of India.","Any expenses incurred on OPD treatment.","Treatment other than Allopathy."],"display":"PED 36-month exclusion and key standard and specific exclusions including diagnostics-only admission, rest cure, change of gender, cosmetic surgery, hazardous sports, breach of law, excluded providers, substance abuse, unproven treatment, infertility/sterility, maternity, non-covered illnesses, newborn baby, OPD, treatment outside India and non-Allopathy","note":null,"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 or its reinstatement. ... Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded. ... Expenses related to any admission primarily for enforced bed rest and not for receiving treatment. ... Expenses related to any treatment, including surgical management, to change characteristics of the body to those of the opposite. ... Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an accident, burns(s) or Cancer ... Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports ... Expenses for treatment directly arising from or consequent upon any Insured Person commiting or attempting to commit a breach of law with criminal intent. ... Expenses incurred towards treatment in any hospital or by any Medical Practitioner or any other provider specifically excluded by the Insurer ... Treatment for, Alcoholic drug or substance abuse or any addictive condition and consequences thereof. ... Expenses related to any unproven treatment, services and supplies for or in connection with any treatment. ... Expenses related to sterility and infertility. ... Medical treatment expenses traceable to childbirth ... Any illness, sickness or disease other than complications arising out of pregnancy and post-partum delivery for the surrogate mother or complications arising out of oocyte retrieval for the oocyte donor. ... New Born Baby born through Surrogacy to the Surrogate Mother. ... xviii) Any expenses incurred on OPD treatment. ... xix) Treatment taken outside the geographical limits of India. ... xxvii) Treatment other than Allopathy.","sources":[{"clause":"4.1","heading":"Pre-existing Diseases - code –ExcI 01","page":8,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-art-and-surrogacy-policy-oichlip24174v012324/document/13792#c-4-1"},{"clause":"4.2","heading":"Investigation & Evaluation – Code – ExcI 04","page":8,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-art-and-surrogacy-policy-oichlip24174v012324/document/13792#c-4-2"},{"clause":"4.3","heading":"Rest Cure, rehabilitation and respite care – Code –ExcI05","page":8,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-art-and-surrogacy-policy-oichlip24174v012324/document/13792#c-4-3"},{"clause":"4.5","heading":"Change of Gender Treatments: Code – ExcI 07","page":8,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-art-and-surrogacy-policy-oichlip24174v012324/document/13792#c-4-5"},{"clause":"4.6","heading":"Cosmetic or Plastic Surgery- Code- ExcI 08","page":9,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-art-and-surrogacy-policy-oichlip24174v012324/document/13792#c-4-6"},{"clause":"4.7","heading":"Hazardous or Adventure sports- Code- ExcI 09","page":9,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-art-and-surrogacy-policy-oichlip24174v012324/document/13792#c-4-7"},{"clause":"4.8","heading":"Breach of law – Code –ExcI 10","page":9,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-art-and-surrogacy-policy-oichlip24174v012324/document/13792#c-4-8"},{"clause":"4.9","heading":"Excluded Providers- Code – ExcI 11","page":9,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-art-and-surrogacy-policy-oichlip24174v012324/document/13792#c-4-9"},{"clause":"4.10","heading":null,"page":9,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-art-and-surrogacy-policy-oichlip24174v012324/document/13792#c-4-10"},{"clause":"4.14","heading":"Unproven Treatments- Code – excI 16","page":9,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-art-and-surrogacy-policy-oichlip24174v012324/document/13792#c-4-14"},{"clause":"4.15","heading":"Sterility and Infertility- Code- ExcI 17 (except to the extent covered under the Policy)","page":9,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-art-and-surrogacy-policy-oichlip24174v012324/document/13792#c-4-15"},{"clause":"4.16","heading":"Maternity- Code ExcI 18","page":9,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-art-and-surrogacy-policy-oichlip24174v012324/document/13792#c-4-16"},{"clause":"4.17","heading":null,"page":10,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-art-and-surrogacy-policy-oichlip24174v012324/document/13792#c-4-17-2"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact the company through its website, toll-free numbers, email, a branch grievance cell, or the grievance officer at the Customer Service Department. If not satisfied with that redressal, the insured may approach the Insurance Ombudsman.","display":"Company website/toll-free/email/branch grievance cell or grievance officer first; then Insurance Ombudsman","note":null,"quote":"In case of any grievance the insured person may contact the company through Website: 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 ,The Oriental Insurance Company Ltd. Corporate Office, Block - 4, Plate-A, NBCC Office Complex, Kidwai Nagar East, New Delhi – 110023 ... INSURANCE OMBUDSMAN –If Insured person is not satisfied with the redressal of grievance through above methods, the insured person may also approach the office of Insurance Ombudsman","sources":[{"clause":"A(c)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-art-and-surrogacy-policy-oichlip24174v012324/document/13792#c-a-c-9"}],"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 options are 1lakh, 2lakhs and 3lakhs. Plan B options are 3lakhs, 5lakhs, 7lakhs and 10lakhs.","display":"Plan A: 1lakh, 2lakhs and 3lakhs; Plan B: 3lakhs, 5lakhs, 7lakhs and 10lakhs","note":null,"quote":"The Company shall indemnify the insured towards reasonable and customary charges incurred in respect of in-patient Hospitalisation for medically necessary treatment for all complications arising due to oocyte retrieval, for a period of Twelve months, upto the Sum Insured limit stated in the Schedule (Options of 1lakh, 2lakhs and 3lakhs). ... The Company shall indemnify the insured surrogate mother towards reasonable and customary charges incurred in respect of in-patient Hospitalisation for medically necessary treatment arising due to post-partum delivery complications, during the Policy Period of Thirty Six months, upto the Sum Insured limit stated in the Schedule (Options of 3lakhs, 5lakhs and 7lakhs, 10lakhs).","sources":[{"clause":null,"heading":"PLAN A: ASSISTED REPRODUCTION TECHNIQUE (ART) - OOCYTE DONOR","page":6,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-art-and-surrogacy-policy-oichlip24174v012324/document/13792#c-plan-a-assisted-reproduction-technique-art-oocyt"},{"clause":null,"heading":"PLAN B: SURROGATE MOTHER","page":6,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-art-and-surrogacy-policy-oichlip24174v012324/document/13792#c-plan-b-surrogate-mother"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"conflicting","value":{"unit":"months","amount":36},"display":"36 months","note":"The policy wording says 36 months. The lower-priority sales brochure says: \"Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 48 months of continuous coverage after the date of inception of the first policy with the insurer or its reinstatement.\"","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 or its reinstatement. ... Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 48 months of continuous coverage after the date of inception of the first policy with the insurer or its reinstatement.","sources":[{"clause":"4.1","heading":"Pre-existing Diseases - code –ExcI 01","page":8,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-art-and-surrogacy-policy-oichlip24174v012324/document/13792#c-4-1"},{"clause":"19(a)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-art-and-surrogacy-policy-oichlip24174v012324/document/13728#c-19-a"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"quote-verified","value":"Portability is not allowed under the policy.","display":"Portability not allowed","note":null,"quote":"Portability :Portability shall not allowed under the policy","sources":[{"clause":"5.7","heading":"Portability :Portability shall not allowed under the policy","page":14,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-art-and-surrogacy-policy-oichlip24174v012324/document/13792#c-5-7"}],"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":false,"display":"No, the policy is non-renewable","note":null,"quote":"RENEWAL OF POLICY: The policy is non-renewable. In case of Plan A: (Oocyte Donor) after completion of Twelve Months period and in case of Plan B (Surrogate Mother) after completion of Thirty Six Months, the policy will expire and shall not be renewed.","sources":[{"clause":"5.14","heading":"RENEWAL OF POLICY","page":16,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-art-and-surrogacy-policy-oichlip24174v012324/document/13792#c-5-14"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"not-applicable","value":null,"display":null,"note":"The policy is non-renewable, so premium loading at renewal cannot apply.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"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 can cancel only on proof of a similar prior policy covering the same insured person and subject to plan-specific withdrawal proof. Refund is on the short-period tables: Plan A refunds 3/4th up to 1 Month, 1/2 up to 3 Months, 1/4th up to 6 Months and NIL after 6 months; Plan B refunds 5/6 up to 3 months, 3/4 for >3 to 6 months, 7/10 for >6 to 9 months, 2/3 for >9 to 12 months, 1/2 for >12 to 15months, 1/3 for >15 to 18 months, 2/9 for >18 to 24 months, 1/9 for >24 to 30 months and Nil after 30 months.","display":"Short-period refund only in specified cancellation cases; no refund if a claim is admitted, lodged or benefit availed","note":null,"quote":"Notwithstanding anything contained herein or otherwise, including the “Free look” clause, the Insured can cancel this Policy only on production of the proof that there exists a similar policy covering the same insured person, and that such policy was purchased prior to this policy. ... Plan A- Submission of a copy of Form 18 –Consent Form for withdrawal, duly endorsed by the ART Clinic. ... Plan B- (i) Submission of proof that the surrogate mother has withdrawn her consent for surrogacy before the implantation of embryo in her womb (ii) or any other suitable proof, duly endorsed by the Surrogacy Clinic, to the effect that embryo implantation did not take place. Premium would be charged on short term basis, as below, and balance refunded ... Period on Risk | Premium Refund\nUpto 1 Month | 3/4th of the annual premium\nUpto 3 Months | 1/2 of the annual premium\nUpto 6 Months | 1/4th of the annual premium\nExceeding 6 months | NIL ... Period on Risk | Premium Refund\nUpto 3 months | 5/6 of total premium 3 years premium\n> 3 months upto 6 months | 3/4 of total premium 3 years premium\n> 6 months upto 9 months | 7/10 of total premium 3 year premium\n> 9 months upto 12 months | 2/3 of total premium 3 years premium\n> 12 months upto 15months | 1/2 of total premium 3 years premium\n> 15 months upto 18 months | 1/3 of total premium 3 years premium\n> 18 months upto 24 months | 2/9 of total premium 3 years premium\n> 24 months upto 30 months | 1/9 of total premium 3 years premium\n> 30 months | Nil ... 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":"5.11(i)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-art-and-surrogacy-policy-oichlip24174v012324/document/13792#c-5-11-i"},{"clause":"5.11(a)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-art-and-surrogacy-policy-oichlip24174v012324/document/13792#c-5-11-a"},{"clause":"5.11(b)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-art-and-surrogacy-policy-oichlip24174v012324/document/13792#c-5-11-b"},{"clause":null,"heading":"PLAN A","page":15,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-art-and-surrogacy-policy-oichlip24174v012324/document/13792#c-plan-a"},{"clause":null,"heading":"PLAN B","page":15,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-art-and-surrogacy-policy-oichlip24174v012324/document/13792#c-plan-b"},{"clause":"5.11(b)(i)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-art-and-surrogacy-policy-oichlip24174v012324/document/13792#c-5-11-b-i"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"Medical treatment must be taken in India only, claims are payable in Indian currency only, and treatment outside India is excluded.","display":"India only","note":null,"quote":"All medical treatment for the purpose of this insurance will have to be taken in India only and all claims shall be payable in Indian currency only. ... Treatment taken outside the geographical limits of India.","sources":[{"clause":"A(c)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-art-and-surrogacy-policy-oichlip24174v012324/document/13792#c-a-c-8"},{"clause":"4.17","heading":null,"page":10,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-art-and-surrogacy-policy-oichlip24174v012324/document/13792#c-4-17-2"}],"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":15},"display":"15 days","note":null,"quote":"FREE LOOK PERIOD: The insured person is allowed free look period of fifteen days from the date of receipt of the Policy document to review the terms and conditions of the Policy and to return the same if not acceptable.","sources":[{"clause":"5.5","heading":"FREE LOOK PERIOD","page":14,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-art-and-surrogacy-policy-oichlip24174v012324/document/13792#c-5-5"}],"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":"not-applicable","value":null,"display":null,"note":"The policy is non-renewable and premium is paid in advance, so there is no renewal due date for a grace period.","quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"For the insured person, the surrogate mother must be between the age of 25 to 35 years on the day of implantation and the oocyte donor must be between 23 years of age and 35 years of age.","display":"Surrogate mother: 25 to 35 years; Oocyte donor: 23 to 35 years","note":"From the sales brochure. The policy wording defines proposer categories but the explicit insured age criteria are printed in the sales literature.","quote":"no woman, other than an ever married woman having a child of her own and between the age of 25 to 35 years on the day of implantation, shall be a surrogate mother or help in surrogacy by donating her egg or oocyte or otherwise; ... The Oocyte donor should be between 23 years of age and 35 years of age","sources":[{"clause":"3","heading":"What is the eligibility criteria for the (i) Surrogate mother (ii) the Oocyte Donor","page":1,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-art-and-surrogacy-policy-oichlip24174v012324/document/13728#c-3"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["one time Premium"],"display":"One time Premium","note":"From the sales brochure.","quote":"This is one time Premium. GST as Applicable shall be extra.","sources":[{"clause":null,"heading":"PLAN B","page":12,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-art-and-surrogacy-policy-oichlip24174v012324/document/13728#c-plan-b"}],"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":"not-applicable","value":null,"display":null,"note":"The policy is non-renewable and has no applicable grace period.","quote":null,"sources":[],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for the hospital room, or the room category allowed. 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Health Insurance Business, 2024","section":"Ch I Para 1","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II A.I(1)","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"modern_treatments","label":"Modern treatments","section":"Cover","meaning":"Robotic surgery, immunotherapy, oral chemotherapy, stem cell therapy and the like, and any cap on them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 2","url":"https://indiainsurances.com/law/irdai-health-mc-2024"}]},{"key":"organ_donor","label":"Organ donor expenses","section":"Cover","meaning":"Whether the donor's hospital costs for an organ transplant are paid.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"ambulance","label":"Ambulance cover","section":"Cover","meaning":"Road (and air) ambulance cover and its limit.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"restoration","label":"Restoration of sum insured","section":"Cover","meaning":"Whether the sum insured is refilled after it is used up in a year, how much, how often, and whether it works for the same illness.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"no_claim_bonus","label":"No-claim or cumulative bonus","section":"Cover","meaning":"How much the cover grows each year, the maximum, whether it depends on not claiming, and what happens after a claim.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"consumables","label":"Consumables and non-medical items","section":"Cover","meaning":"Gloves, PPE, syringes and other items hospitals bill that standard policies exclude; whether this policy pays them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Whether childbirth costs are covered, the limit and the waiting period.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"newborn","label":"Newborn baby cover","section":"Cover","meaning":"Whether a newborn is covered from birth and for what.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"mental_illness","label":"Mental illness","section":"Cover","meaning":"Cover for in-patient treatment of mental illness.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 3","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch III I","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(4)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 2(1)(s)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(1)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"}]},{"key":"health_checkup","label":"Health check-up","section":"Cover","meaning":"Free preventive check-ups and how often.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"opd","label":"Out-patient (OPD) cover","section":"Cover","meaning":"Doctor consultations, tests and medicines without admission, and the limit.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"zone_pricing","label":"Zone or city-based premium","section":"Premium","meaning":"Whether premium or co-pay depends on the city you are treated in.","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":"Policy Wording.pdf","pages":32,"fetched_at":"2026-10-17 19:54:04+00","source_url":"https://oicl-cms-media.s3.ap-south-1.amazonaws.com/Policy_Wording_fd7f1f93a8.pdf","url":"https://indiainsurances.com/policy/oriental-insurance/oriental-art-and-surrogacy-policy-oichlip24174v012324/document/13792"},{"kind":"brochure","label":"Sales Literature.pdf","pages":12,"fetched_at":"2026-10-17 19:52:05+00","source_url":"https://oicl-cms-media.s3.ap-south-1.amazonaws.com/Sales_Literature_e3816949ce.pdf","url":"https://indiainsurances.com/policy/oriental-insurance/oriental-art-and-surrogacy-policy-oichlip24174v012324/document/13728"}],"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 ART & Surrogacy Policy (UIN OICHLIP24174V012324), IndiaInsurances, https://indiainsurances.com/policy/oriental-insurance/oriental-art-and-surrogacy-policy-oichlip24174v012324"}