{"uin":"OICHLIP25044V032425","name":"AROGYA SANJEEVANI POLICY - ORIENTAL 2024","url":"https://indiainsurances.com/policy/oriental-insurance/arogya-sanjeevani-policy-oriental-2024-oichlip25044v032425","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":"Arogya Sanjeevani Policy-Oriental 2024 is a one-year health indemnity policy for treatment taken in India, available on individual and floater bases. It has sum insured slabs from Rs.1lac to Rs.5lacs in Rs. 50,000 multiples and Rs. 6,8,10,15, & 20 lacs, with 5% co-payment on each admissible claim.","analysis":{"state":"machine","analysed_at":"2026-10-19 22:03:00.927258+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":["Individual Basis","Floater Basis"],"display":"Individual Basis and Floater Basis","note":null,"quote":"Policy can be issued, as per the option of the Proposer, on\n• Individual Basis (i.e., Sum Insured and Cumulative Bonus shall apply separately on each Insured Person)\n• Floater Basis (i.e., Sum Insured and Cumulative Bonus shall apply cumulatively to cover all Insured Persons)","sources":[{"clause":"1(xi)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/oriental-insurance/arogya-sanjeevani-policy-oriental-2024-oichlip25044v032425/document/13793#c-1-xi"}],"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":"One policy year.","display":"One policy year","note":null,"quote":"Policy period means period of one policy year as mentioned in the schedule for which the Policy is issued.","sources":[{"clause":null,"heading":"Policy period","page":6,"url":"https://indiainsurances.com/policy/oriental-insurance/arogya-sanjeevani-policy-oriental-2024-oichlip25044v032425/document/13808#c-policy-period"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Duly Completed claim form","Photo Identity proof of the patient.","Medical practitioner's prescription advising admission.","Original bills with itemized break-up.","Payment receipts","Discharge summary including complete medical history of the patient along withother details.","Investigation/ Diagnostic test reports etc. supported by the prescription fromattending medical practitioner.","OT notes or Surgeon's certificate giving details of the operation performed (for surgical cases).","Sticker/Invoice of the Implants, wherever applicable.","MLR (Medico Legal Report copy if carried out and FIR (First information report) if registered, where ever applicable.","NEFT Details (to enable direct credit of claim amount in bank account) andcancelled cheque.","KYC (Identity proof with Address) of the proposer, where claim liability is above Rs. 1 Lakh as per AML Guidelines.","Legal heir/succession certificate, wherever applicable","Any other relevant document required by Company/TPA for assessment of the claim."],"display":"Claim form, ID proof, admission prescription, original itemised bills, receipts, discharge summary, test reports, OT notes, implant invoice, MLR/FIR if applicable, NEFT/cancelled cheque, KYC above Rs. 1 Lakh, legal heir certificate if applicable, and any other relevant document","note":null,"quote":"The reimbursement claim is to be supported with the following documents and submitted within the prescribed time limit.\n1. Duly Completed claim form\n2. Photo Identity proof of the patient.\n3. Medical practitioner's prescription advising admission.\n4. Original bills with itemized break-up.\n5. Payment receipts\n6. Discharge summary including complete medical history of the patient along withother details.\n7. Investigation/ Diagnostic test reports etc. supported by the prescription fromattending medical practitioner.\n8. OT notes or Surgeon's certificate giving details of the operation performed (for surgical cases).\n9. Sticker/Invoice of the Implants, wherever applicable.\n10. MLR (Medico Legal Report copy if carried out and FIR (First information report) if registered, where ever applicable.\n11. NEFT Details (to enable direct credit of claim amount in bank account) andcancelled cheque.\n12. KYC (Identity proof with Address) of the proposer, where claim liability is above Rs. 1 Lakh as per AML Guidelines.\n13. Legal heir/succession certificate, wherever applicable\n14. Any other relevant document required by Company/TPA for assessment of the claim.","sources":[{"clause":null,"heading":"Documents to be submitted","page":14,"url":"https://indiainsurances.com/policy/oriental-insurance/arogya-sanjeevani-policy-oriental-2024-oichlip25044v032425/document/13808#c-documents-to-be-submitted"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The company shall settle or reject a claim within 15 days from receipt of the last necessary document. If investigation is warranted, it must complete investigation within 30 days from receipt of the last necessary document and settle within 45 days from that date, with interest for delay.","display":"15 days from last necessary document; investigation cases settled within 45 days from last necessary document","note":"For delay, the policy states interest at a rate 2% above the bank rate.","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.","sources":[{"clause":null,"heading":"Claim Settlement (provision for Penal Interest)","page":15,"url":"https://indiainsurances.com/policy/oriental-insurance/arogya-sanjeevani-policy-oriental-2024-oichlip25044v032425/document/13808#c-claim-settlement-provision-for-penal-interest"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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 Oriental through its website, toll-free/telephone numbers, e-mail, or the grievance cell at any branch. If not satisfied, the insured may contact the grievance officer at the Customer Service Department, Corporate Office, New Delhi, before approaching IRDAI IGMS or the Insurance Ombudsman.","display":"Contact Oriental by website, toll-free/phone, e-mail or branch grievance cell; if not satisfied, contact the grievance officer at Customer Service Department, Corporate Office","note":null,"quote":"Grievance- 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\nInsured 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: Customer Service Department, Corporate Office, Block - 4, Plate-A, NBCC Office Complex, Kidwai Nagar East, New Delhi - 110023.","sources":[{"clause":null,"heading":"1. REDRESSAL OF GRIEVANCE","page":23,"url":"https://indiainsurances.com/policy/oriental-insurance/arogya-sanjeevani-policy-oriental-2024-oichlip25044v032425/document/13808#c-1-redressal-of-grievance"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"quote-verified","value":"Minimum sum insured is Rs 100,000, in multiples of Rs 50,000 up to Rs 5,00,000; thereafter the available slabs are Rs. 6,8,10,15, and 20 lacs.","display":"Rs 100,000 to Rs 5,00,000 in Rs 50,000 multiples; then Rs. 6,8,10,15, and 20 lacs","note":null,"quote":"Minimum sum insured is Rs 100,000 and in multiples of Rs 50,000 upto Rs 5,00,000 and thereafter, sum insured is available for Rs. 6,8,10,15, and 20 lacs.","sources":[{"clause":null,"heading":"SUM INSURED","page":2,"url":"https://indiainsurances.com/policy/oriental-insurance/arogya-sanjeevani-policy-oriental-2024-oichlip25044v032425/document/13793#c-sum-insured"}],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Does not apply to accident claims if covered; also does not apply if the Insured Person has Continuous Coverage for more than twelve months.","quote":"Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered.","sources":[{"clause":null,"heading":"First Thirty Days Waiting Period(Code- Excl03)","page":9,"url":"https://indiainsurances.com/policy/oriental-insurance/arogya-sanjeevani-policy-oriental-2024-oichlip25044v032425/document/13808#c-first-thirty-days-waiting-period-code-excl03"}],"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 can 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 us.","sources":[{"clause":null,"heading":"Pre-Existing Diseases(Code- Excl01)","page":9,"url":"https://indiainsurances.com/policy/oriental-insurance/arogya-sanjeevani-policy-oriental-2024-oichlip25044v032425/document/13808#c-pre-existing-diseases-code-excl01"}],"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":"months","amount":24},"display":"24 months","note":"Some listed conditions have a 36 months waiting period; the exclusion does not apply to claims arising due to an accident.","quote":"Expenses related to the treatment of the following listed conditions, surgeries/treatments shall be excluded until the expiry of 24/36 months of continuous coverage, as may be the case after the date of inception of the first policy with the insurer. ... i) 24 Months waiting period ... ii) 36 Months waiting period","sources":[{"clause":null,"heading":"Specific Waiting Period: (Code- Excl02)","page":9,"url":"https://indiainsurances.com/policy/oriental-insurance/arogya-sanjeevani-policy-oriental-2024-oichlip25044v032425/document/13808#c-specific-waiting-period-code-excl02"},{"clause":"6(d)(i)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/oriental-insurance/arogya-sanjeevani-policy-oriental-2024-oichlip25044v032425/document/13808#c-6-d-i"},{"clause":"6(d)(ii)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/oriental-insurance/arogya-sanjeevani-policy-oriental-2024-oichlip25044v032425/document/13808#c-6-d-ii"}],"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","Tonsillectomy","Adenoidectomy","Mastoidectomy","Tyrnpanoplasty","Hysterectomy","All internal and external benign tumours, cysts, polyps of any kind, including benign breast lumps","Benign prostate hypertrophy","Cataract and age related eye ailments","Gastric/ Duodenal Ulcer","Gout and Rheumatism","Hernia of all types","Hydrocele","Non Infective Arthritis","Piles, Fissures and Fistula in anus","Pilonidal sinus, Sinusitis and related disorders","Prolapse inter Vertebral Disc and Spinal Diseases unless arising from accident","Calculi in urinary system, Gall Bladder and Bile duct, excluding malignancy.","Varicose Veins and Varicose Ulcers","Treatment for joint replacement unless arising from accident","Age-related Osteoarthritis & Osteoporosis."],"display":"24-month list includes ENT disorders, tonsillectomy, adenoidectomy, mastoidectomy, tympanoplasty, hysterectomy, benign tumours/cysts/polyps, BPH, cataract, ulcers, gout/rheumatism, hernia, hydrocele, non-infective arthritis, piles/fissures/fistula, pilonidal sinus/sinusitis, spinal diseases, urinary/gall/bile calculi, varicose veins/ulcers; 36-month list includes joint replacement and age-related osteoarthritis/osteoporosis","note":null,"quote":"i) 24 Months waiting period\n1. Benign ENT disorders\n2. Tonsillectomy\n3. Adenoidectomy\n4. Mastoidectomy\n5. Tyrnpanoplasty\n6. Hysterectomy\n7. All internal and external benign tumours, cysts, polyps of any kind, including benign breast lumps\n8. Benign prostate hypertrophy\n9. Cataract and age related eye ailments\n10. Gastric/ Duodenal Ulcer\n11. Gout and Rheumatism\n12. Hernia of all types\n13. Hydrocele\n14. Non Infective Arthritis\n15. Piles, Fissures and Fistula in anus\n16. Pilonidal sinus, Sinusitis and related disorders\n17. Prolapse inter Vertebral Disc and Spinal Diseases unless arising from accident\n18. Calculi in urinary system, Gall Bladder and Bile duct, excluding malignancy.\n19. Varicose Veins and Varicose Ulcers ... ii) 36 Months waiting period\n1. Treatment for joint replacement unless arising from accident\n2. Age-related Osteoarthritis & Osteoporosis.","sources":[{"clause":"6(d)(i)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/oriental-insurance/arogya-sanjeevani-policy-oriental-2024-oichlip25044v032425/document/13808#c-6-d-i"},{"clause":"6(d)(ii)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/oriental-insurance/arogya-sanjeevani-policy-oriental-2024-oichlip25044v032425/document/13808#c-6-d-ii"}],"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 applies from the date of enhancement only on the enhanced limits; limits, sub-limits and co-payments still apply.","quote":"After completion of five continuous years under this policy no look back would be applied. This period of five years is called as moratorium period. ... After the expiry of Moratorium Period no claim under this policy shall be contestable except for proven fraud.","sources":[{"clause":"7(c)","heading":"Biological attack or weapons","page":12,"url":"https://indiainsurances.com/policy/oriental-insurance/arogya-sanjeevani-policy-oriental-2024-oichlip25044v032425/document/13808#c-7-c"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"quote-verified","value":"The insured person may port the policy to other insurers as per portability guidelines and receive accrued continuity benefits in waiting periods, to the extent of previous sum insured and accrued bonus.","display":"Portability to other insurers available with waiting-period continuity credit","note":"Portability benefit does not apply to any additional increased Sum Insured.","quote":"The Insured Person will have the option to port the Policy to other insurers as per extant Guidelines related to portability. ... the proposed Insured Person will get all the accrued continuity benefits in waiting periods as under:\ni. The waiting periods specified in Section 6 shall be reduced by the number of continuous preceding years of coverage of the Insured Person under the previous health insurance Policy.","sources":[{"clause":null,"heading":"Portability","page":18,"url":"https://indiainsurances.com/policy/oriental-insurance/arogya-sanjeevani-policy-oriental-2024-oichlip25044v032425/document/13808#c-portability-2"}],"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":"Life long renewals allowed","note":"Prospectus also states life-long renewals with no exit age.","quote":"Life long renewals allowed.","sources":[{"clause":"1(v)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/oriental-insurance/arogya-sanjeevani-policy-oriental-2024-oichlip25044v032425/document/13793#c-1-v"}],"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 shall apply 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":null,"heading":"1. REDRESSAL OF GRIEVANCE","page":23,"url":"https://indiainsurances.com/policy/oriental-insurance/arogya-sanjeevani-policy-oriental-2024-oichlip25044v032425/document/13808#c-1-redressal-of-grievance"}],"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 any time during the term by giving 7 days' written notice. For annual policies, the insurer refunds proportionate premium for the unexpired policy period, subject to no claim having been made; no refund is made if any claim has been admitted or lodged or any benefit availed.","display":"Cancel with 7 days’ written notice; proportionate refund for unexpired annual policy period if no claim","note":"For policies with term more than 1 year, refund premium is for the unexpired policy period where risk coverage for such policy years has not commenced.","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\n(s)having been made during the policy period. ... 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":null,"heading":"Cancellation","page":17,"url":"https://indiainsurances.com/policy/oriental-insurance/arogya-sanjeevani-policy-oriental-2024-oichlip25044v032425/document/13808#c-cancellation"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"All medical treatment for the purpose of this insurance must be taken in India only.","display":"India only","note":null,"quote":"All medical treatment for the purpose of this insurance will have to be taken in India only.","sources":[{"clause":null,"heading":"Territorial Limit","page":17,"url":"https://indiainsurances.com/policy/oriental-insurance/arogya-sanjeevani-policy-oriental-2024-oichlip25044v032425/document/13808#c-territorial-limit"}],"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":"Applies at inception of the policy and not on renewals or at the time of 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":null,"heading":"Free look period","page":21,"url":"https://indiainsurances.com/policy/oriental-insurance/arogya-sanjeevani-policy-oriental-2024-oichlip25044v032425/document/13808#c-free-look-period"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"thirty days; fifteen days for monthly mode","note":"For installment premium under the policy, the wording separately says a Grace Period of 15 days would be given.","quote":"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":null,"heading":"Grace Period","page":3,"url":"https://indiainsurances.com/policy/oriental-insurance/arogya-sanjeevani-policy-oriental-2024-oichlip25044v032425/document/13808#c-grace-period"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"conflicting","value":"Policy wording defines dependent children as between 3 months and 25 years, while the prospectus states proposer age 18 to 65 years and maximum entry age for any member is 65 years.","display":"Dependent children 3 months to 25 years; proposer 18 to 65 years; maximum member entry age 65 years","note":"Prospectus also says: 'Dependent Children (i.e. natural or legally adopted) from day 1 to 18 years.'","quote":"Dependent Children (i.e. natural or legally adopted) between the ages 3 months to 25 years. ... The Policy term is one year and is available to any proposer between the age of 18 to 65 years for treatment taken in India. ... Maximum Entry age for any member, is 65 years.","sources":[{"clause":null,"heading":"Family","page":3,"url":"https://indiainsurances.com/policy/oriental-insurance/arogya-sanjeevani-policy-oriental-2024-oichlip25044v032425/document/13808#c-family"},{"clause":"1(vi)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/oriental-insurance/arogya-sanjeevani-policy-oriental-2024-oichlip25044v032425/document/13793#c-1-vi"},{"clause":"1(vii)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/oriental-insurance/arogya-sanjeevani-policy-oriental-2024-oichlip25044v032425/document/13793#c-1-vii"},{"clause":"1(xxii)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/oriental-insurance/arogya-sanjeevani-policy-oriental-2024-oichlip25044v032425/document/13793#c-1-xxii"}],"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":["annual","half yearly","quarterly","monthly"],"display":"Annual, half yearly, quarterly and monthly","note":null,"quote":"30 days grace for annual premium.\n• 15 days for half yearly, quarterly and monthly modes of premium payment.","sources":[{"clause":"1(xix)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/oriental-insurance/arogya-sanjeevani-policy-oriental-2024-oichlip25044v032425/document/13793#c-1-xix"}],"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 for the period for which no premium is received, but if premium is paid in instalments during the policy period, coverage is offered during the grace period.","display":"No cover for unpaid period; installment premiums get cover during grace period","note":"Renewal condition also says coverage is not available during the grace period, followed by the same instalment-premium exception.","quote":"Coverage is not available for the period for which no premium is received. ... Provided the insurers shall offer coverage during the grace period, if the premium is paid in instalments during the policy period. ... During such grace period, Coverage will be available from the installment premium payment due date till the dateof receipt of premium by Company.","sources":[{"clause":null,"heading":"Grace Period","page":3,"url":"https://indiainsurances.com/policy/oriental-insurance/arogya-sanjeevani-policy-oriental-2024-oichlip25044v032425/document/13808#c-grace-period"},{"clause":null,"heading":"Premium Payment in Installments","page":20,"url":"https://indiainsurances.com/policy/oriental-insurance/arogya-sanjeevani-policy-oriental-2024-oichlip25044v032425/document/13808#c-premium-payment-in-installments"}],"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. If you take a costlier room, other bills can be cut in proportion.","status":"quote-verified","value":"Room Rent, Boarding and Nursing expenses are covered up to 2% of the sum insured per day, subject to maximum Rs. 5000/- per day for SI up to INR 5 Lakhs, Rs. 10,000/- per day for SI INR 6, 8, 10 Lakhs, and Rs. 20,000/- per day for SI INR 15 & 20 Lakhs.","display":"Up to 2% of SI per day, max Rs. 5000 / Rs. 10,000 / Rs. 20,000 per day by SI slab","note":null,"quote":"Room Rent, Boarding, Nursing Expenses as provided by the Hospital /Nursing Home:\n• Up to SI INR 5 Lakhs: Up to 2% of the sum insured subject to maximum of Rs. 5000/- per day.\n• SI INR 6, 8, 10 Lakhs: Up to 2% of the sum insured subject to maximum of Rs. 10,000/- per day.\n• SI INR 15 & 20 Lakhs: Up to 2% of the sum insured subject to maximum of Rs. 20,000/- per day.","sources":[{"clause":"4(ii)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/oriental-insurance/arogya-sanjeevani-policy-oriental-2024-oichlip25044v032425/document/13808#c-4-ii"}],"law":[]},{"key":"room_category","label":"Room category allowed","section":"Limits and co-pay","meaning":"Shared room, single private room or any room, by plan, when the limit is a room type rather than a rupee amount.","status":"not-applicable","value":null,"display":null,"note":"The policy states room rent as a percentage and rupee-per-day limit, not as a room category.","quote":null,"sources":[],"law":[]},{"key":"icu_limit","label":"ICU limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for intensive care.","status":"quote-verified","value":"ICU/ICCU expenses are covered up to 5% of the sum insured per day, subject to maximum Rs. 10,000/- per day for SI up to INR 5 Lakhs, Rs. 20,000/- per day for SI INR 6, 8, 10 Lakhs, and Rs. 40,000/- per day for SI INR 15 & 20 Lakhs.","display":"Up to 5% of SI per day, max Rs. 10,000 / Rs. 20,000 / Rs. 40,000 per day by SI slab","note":null,"quote":"Intensive Care Unit (ICU) / Intensive Cardiac Care Unit (ICCU) expenses:\n• Up to SI INR 5 Lakhs: Up to 5% of the sum insured subject to maximum of Rs. 10,000/- per day\n• SI INR 6, 8, 10 Lakhs: Up to 5% of the sum insured subject to maximum of Rs. 20,000/- per day\n• SI INR 15 & 20 Lakhs: Up to 5% of the sum insured subject to maximum of Rs. 40,000/- per day","sources":[{"clause":"4(iii)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/oriental-insurance/arogya-sanjeevani-policy-oriental-2024-oichlip25044v032425/document/13808#c-4-iii"}],"law":[]},{"key":"proportionate_deduction","label":"Proportionate deduction","section":"Limits and co-pay","meaning":"If you choose a room above your limit, whether the insurer reduces associated charges (doctor fees, tests, procedures) by the same proportion.","status":"quote-verified","value":"If admitted to a room/ICU/ICCU at rates above the policy limits, reimbursement or payment of all other hospital expenses, except cost of medicines, is reduced in the same proportion as the admissible rate bears to the actual room/ICU/ICCU rate.","display":"Yes, for room/ICU/ICCU above limit; all other expenses except medicines reduced proportionately","note":null,"quote":"In case of admission to a room/lCU/ICCU at rates exceeding the aforesaid limits, the reimbursement/payment of all other expenses incurred at the Hospital, with the exception of cost of medicines, shall be effected in the same proportion as the admissible rate per day bears to the actual rate per day of Room Rent/lCU/ICCUcharges.","sources":[{"clause":"4(v)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/oriental-insurance/arogya-sanjeevani-policy-oriental-2024-oichlip25044v032425/document/13808#c-4-v"}],"law":[]},{"key":"copay","label":"Co-payment","section":"Limits and co-pay","meaning":"The share of every admissible claim you pay yourself, and when it applies (age, zone, choice of hospital).","status":"quote-verified","value":"Each and every claim is subject to a 5% co-payment on the claim amount admissible and payable under the policy.","display":"5% of every admissible and payable claim","note":null,"quote":"Each and every claim under the Policy shall be subject to a Copayment of 5% applicable to claim amount admissible and payable as per the terms and conditions of the Policy. The amount payable shall be after deduction of the copayment.","sources":[{"clause":null,"heading":"Co-payment","page":15,"url":"https://indiainsurances.com/policy/oriental-insurance/arogya-sanjeevani-policy-oriental-2024-oichlip25044v032425/document/13808#c-co-payment-2"}],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"An amount of each claim or each year that you bear before the policy pays.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"disease_sublimits","label":"Disease or procedure sub-limits","section":"Limits and co-pay","meaning":"Caps on what is paid for named treatments (cataract, knee replacement...), even if the sum insured is higher.","status":"quote-verified","value":["Cataract: 25% of Sum Insured or Rs.40,000/-, whichever is lower, per each eye in one policy year","Specified modern and advanced procedures: up to 50% of Sum Insured during the policy period"],"display":"Cataract: 25% of SI or Rs.40,000 per eye; specified modern treatments: up to 50% of SI","note":"The 50% of Sum Insured cap applies to the listed modern procedures in the modern treatments field.","quote":"The Company shall indemnify medical expenses incurred for treatment of Cataract, subject to a limit of 25% of Sum Insured or Rs.40,000/-, whichever is lower, per each eye in one policy year. ... The following procedures will be covered (wherever medically indicated) either as in patient or as part of day care treatment in a hospital up to 50% of Sum Insured, specified in the policy schedule, during the policy period:","sources":[{"clause":null,"heading":"Cataract Treatment","page":8,"url":"https://indiainsurances.com/policy/oriental-insurance/arogya-sanjeevani-policy-oriental-2024-oichlip25044v032425/document/13808#c-cataract-treatment"},{"clause":null,"heading":"Post Hospitalization","page":8,"url":"https://indiainsurances.com/policy/oriental-insurance/arogya-sanjeevani-policy-oriental-2024-oichlip25044v032425/document/13808#c-post-hospitalization"}],"law":[]},{"key":"pre_hospitalisation","label":"Pre-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days before admission that are paid if related to the hospitalisation.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":null,"quote":"The company shall indemnify pre-hospitalization medical expenses incurred, related to an admissible hospitalization requiring inpatient care, for a fixed period of 30 days prior to the date of admissible hospitalization covered under the policy.","sources":[{"clause":null,"heading":"Pre Hospitalization","page":8,"url":"https://indiainsurances.com/policy/oriental-insurance/arogya-sanjeevani-policy-oriental-2024-oichlip25044v032425/document/13808#c-pre-hospitalization"}],"law":[]},{"key":"post_hospitalisation","label":"Post-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days after discharge that are paid if related to the hospitalisation.","status":"quote-verified","value":{"unit":"days","amount":60},"display":"60 days","note":null,"quote":"The company shall indemnify post hospitalization medical expenses incurred, related to an admissible hospitalization requiring inpatient care, for a fixed period of 60 days from the date of discharge from the hospital, following an admissible hospitalization covered under the policy.","sources":[{"clause":null,"heading":"Post Hospitalization","page":8,"url":"https://indiainsurances.com/policy/oriental-insurance/arogya-sanjeevani-policy-oriental-2024-oichlip25044v032425/document/13808#c-post-hospitalization"}],"law":[]},{"key":"day_care","label":"Day-care treatments","section":"Cover","meaning":"Treatments needing less than 24 hours in hospital (chemotherapy, dialysis, cataract) and whether all or only listed ones are covered.","status":"quote-verified","value":"All day care treatments are covered. Day care treatment means medical treatment or surgical procedure done in a hospital/day care centre in less than twenty four hours because of technological advancement and that would otherwise have required hospitalisation for more than twenty four hours.","display":"All day care treatments covered","note":"Treatment normally taken on an out-patient basis is not included in the day care definition.","quote":"All the day care treatments ... Day Care Treatment means medical treatment, and/or surgical procedure which is:\ni. undertaken under general or local anesthesia in a hospital/day care centre in less than twenty four hours because of technological advancement, and\nii. which would have otherwise required a hospitalization of more than twenty four hours.","sources":[{"clause":"4(v)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/oriental-insurance/arogya-sanjeevani-policy-oriental-2024-oichlip25044v032425/document/13808#c-4-v"},{"clause":null,"heading":"Day Care Treatment","page":3,"url":"https://indiainsurances.com/policy/oriental-insurance/arogya-sanjeevani-policy-oriental-2024-oichlip25044v032425/document/13808#c-day-care-treatment"}],"law":[]},{"key":"domiciliary","label":"Treatment at home","section":"Cover","meaning":"Whether treatment at home is covered when hospital admission is not possible or a doctor advises it.","status":"quote-verified","value":"Domiciliary Hospitalization expenses are excluded.","display":"Excluded","note":null,"quote":"Any expenses incurred on Domiciliary Hospitalization and OPD treatment","sources":[{"clause":"7(c)","heading":"Biological attack or weapons","page":12,"url":"https://indiainsurances.com/policy/oriental-insurance/arogya-sanjeevani-policy-oriental-2024-oichlip25044v032425/document/13808#c-7-c"}],"law":[]},{"key":"ayush","label":"AYUSH treatment","section":"Cover","meaning":"Ayurveda, Yoga, Unani, Siddha and Homeopathy treatment in a recognised hospital, and any limit.","status":"quote-verified","value":"Inpatient care treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems is covered up to the sum insured in any AYUSH Hospital.","display":"Covered up to the sum insured in any AYUSH Hospital","note":null,"quote":"The Company shall indemnify medical expenses incurred for inpatient care treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems of medicines during each Policy Year up to the limit of sum insured as specified in the policy schedule in any AYUSH Hospital.","sources":[{"clause":null,"heading":"AYUSH Treatment","page":7,"url":"https://indiainsurances.com/policy/oriental-insurance/arogya-sanjeevani-policy-oriental-2024-oichlip25044v032425/document/13808#c-ayush-treatment-2"}],"law":[{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 1","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 2","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Master Circular on 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":"quote-verified","value":"The listed modern and advanced treatments are covered, wherever medically indicated, as inpatient or day care treatment in a hospital up to 50% of the Sum Insured during the policy period.","display":"Specified procedures covered up to 50% of Sum Insured","note":null,"quote":"The following procedures will be covered (wherever medically indicated) either as in patient or as part of day care treatment in a hospital up to 50% of Sum Insured, specified in the policy schedule, during the policy period:\nA. Uterine Artery Embolization and HIFU (High intensity focused ultrasound) B. Balloon Sinuplasty C. Deep Brain stimulation D. Oral chemotherapy E. Immunotherapy- Monoclonal Antibody to be given as injection F. Intra vitreal injections G. Robotic surgeries H. Stereotactic radio surgeries ... I) Bronchical Thermoplasty J. Vaporization of the prostrate (Green laser treatment or holmium laser treatment) K. IONM - (Intra Operative Neuro Monitoring) L. Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for hematological conditions to be covered.","sources":[{"clause":null,"heading":"Post Hospitalization","page":8,"url":"https://indiainsurances.com/policy/oriental-insurance/arogya-sanjeevani-policy-oriental-2024-oichlip25044v032425/document/13808#c-post-hospitalization"},{"clause":"4(I)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/oriental-insurance/arogya-sanjeevani-policy-oriental-2024-oichlip25044v032425/document/13808#c-4-i-2"}],"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":"quote-verified","value":"Road ambulance expenses are covered subject to a maximum of Rs. 2000/- per hospitalisation.","display":"Road ambulance up to Rs. 2000/- per hospitalization","note":null,"quote":"Expenses incurred on road Ambulance subject to a maximum of Rs. 2000/- per hospitalization.","sources":[{"clause":"4(v)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/oriental-insurance/arogya-sanjeevani-policy-oriental-2024-oichlip25044v032425/document/13808#c-4-v"}],"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":"quote-verified","value":"Cumulative Bonus increases by 5% for each claim-free policy year, subject to a maximum of 50% of the sum insured under the current policy year, if renewed without a break. If a claim is made, the accrued cumulative bonus is reduced at the same rate at which it accrued.","display":"5% per claim-free year, maximum 50%; reduced at same rate after a claim","note":"The wording also says the insurer may reward policyholders who do not make claims as NCB in the form of cumulative bonus and/or 2% discount in renewal premium.","quote":"Cumulative Bonus will be increased by 5% in respect of each claim free policy year (where no claims are reported), provided the policy is renewed with the company without a break subject to maximum of 50% of the sum insured under the current policy year. If a claim is made in any particular year, the cumulative bonus accrued shall be reduced at the same rate at which it has accrued.","sources":[{"clause":"5","heading":"CUMULATIVE BONUS (CB)","page":8,"url":"https://indiainsurances.com/policy/oriental-insurance/arogya-sanjeevani-policy-oriental-2024-oichlip25044v032425/document/13808#c-5"}],"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":"quote-verified","value":"The policy lists items for which coverage is not available, including GLOVES and MASK, and also lists other items that are to be subsumed into room charges, procedure charges or costs of treatment.","display":"Some non-medical items excluded; some items subsumed into room/procedure/treatment costs","note":null,"quote":"List I - Items for which coverage is not available in the policy ... 56 GLOVES ... 60 MASK ... List II - Items that are to be subsumed into Room Charges ... List III - Items that are to be subsumed into Procedure Charges ... List IV - Items that are to be subsumed into costs of treatment","sources":[{"clause":"Annexure A","heading":null,"page":28,"url":"https://indiainsurances.com/policy/oriental-insurance/arogya-sanjeevani-policy-oriental-2024-oichlip25044v032425/document/13808#c-annexure-a"}],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Whether childbirth costs are covered, the limit and the waiting period.","status":"quote-verified","value":"Maternity expenses are excluded, including medical treatment expenses traceable to childbirth, except ectopic pregnancy, and expenses towards miscarriage unless due to an accident and lawful medical termination of pregnancy during the policy period.","display":"Excluded, except ectopic pregnancy and miscarriage due to accident","note":null,"quote":"Maternity Expenses (Code - Excl 18):\ni. Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during hospitalization) except ectopic pregnancy;\nii. expenses towards miscarriage (unless due to an accident) and lawful medical termination of pregnancy during the policyperiod.","sources":[{"clause":null,"heading":"Excluded Providers: (Code-Excl11)","page":11,"url":"https://indiainsurances.com/policy/oriental-insurance/arogya-sanjeevani-policy-oriental-2024-oichlip25044v032425/document/13808#c-excluded-providers-code-excl11"}],"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":"The policy wording defines dependent children as between 3 months and 25 years, while the prospectus elsewhere mentions child from day 1; a newborn-from-birth cover benefit and what it pays for is not clearly stated.","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":"quote-verified","value":"OPD treatment expenses are excluded.","display":"OPD treatment excluded","note":null,"quote":"Any expenses incurred on Domiciliary Hospitalization and OPD treatment","sources":[{"clause":"7(c)","heading":"Biological attack or weapons","page":12,"url":"https://indiainsurances.com/policy/oriental-insurance/arogya-sanjeevani-policy-oriental-2024-oichlip25044v032425/document/13808#c-7-c"}],"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":"quote-verified","value":"Cashless treatment may be taken at a network provider and is subject to pre-authorisation by the company or its authorised TPA. If cashless access is denied, the insured may take treatment and submit reimbursement documents.","display":"Cashless at network providers, subject to Company/authorized TPA pre-authorisation","note":"Cashless pre-authorisation TAT is immediately but not later than One hour from receipt of request; final bill authorisation is within three hours of discharge authorisation from the hospital.","quote":"Treatment may be taken in a network provider and is subject to pre authorization by the Company or its authorized TPA. ... In case of denial of cashless access, the insured person may obtain the treatment as per treating doctor's advice and submit the claim documents to the Company / TPA for reimbursement.","sources":[{"clause":"8(i)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/oriental-insurance/arogya-sanjeevani-policy-oriental-2024-oichlip25044v032425/document/13808#c-8-i"},{"clause":"8(vi)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/oriental-insurance/arogya-sanjeevani-policy-oriental-2024-oichlip25044v032425/document/13808#c-8-vi"}],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"quote-verified","value":"Claims servicing may be by the company or TPA for preauthorisation of cashless treatment or processing of claims other than cashless claims, but the TPA services do not include claim settlement and claim rejection.","display":"Company/TPA for preauthorisation and processing; settlement/rejection not by TPA","note":null,"quote":"Servicing of claims, i.e., claim admissions and assessments, under this Policy by way of preauthorization of cashless treatment or processing of claims other than cashless claims or both, as per the underlying terms and conditions of the policy. The services offered by a TPA shall not include\ni. Claim settlement and claim rejection;","sources":[{"clause":null,"heading":"Services Offered by TPA (To be stated where TPA is involved)","page":16,"url":"https://indiainsurances.com/policy/oriental-insurance/arogya-sanjeevani-policy-oriental-2024-oichlip25044v032425/document/13808#c-services-offered-by-tpa-to-be-stated-where-tpa-i"}],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"quote-verified","value":true,"display":"Yes, floater basis available","note":null,"quote":"The policyis available on individual basis as well as floater basis.\n• On Individual basis –SI shall applyto each individual family member.\n• On floater basis – SI shall applyto the entire family.","sources":[{"clause":null,"heading":"SUM INSURED","page":2,"url":"https://indiainsurances.com/policy/oriental-insurance/arogya-sanjeevani-policy-oriental-2024-oichlip25044v032425/document/13793#c-sum-insured"}],"law":[]}],"documents":[{"kind":"wording","label":"ASP_Policy_Wordings_IND_2_355c9e5a04.pdf","pages":31,"fetched_at":"2026-10-17 19:54:25+00","source_url":"https://oicl-cms-media.s3.ap-south-1.amazonaws.com/ASP_Policy_Wordings_IND_2_355c9e5a04_0ce1843129.pdf","url":"https://indiainsurances.com/policy/oriental-insurance/arogya-sanjeevani-policy-oriental-2024-oichlip25044v032425/document/13808"},{"kind":"prospectus","label":"PROSPECTUS_2_2_d363a49a87.pdf","pages":19,"fetched_at":"2026-10-17 19:54:05+00","source_url":"https://oicl-cms-media.s3.ap-south-1.amazonaws.com/PROSPECTUS_2_2_d363a49a87_cb6e106f74.pdf","url":"https://indiainsurances.com/policy/oriental-insurance/arogya-sanjeevani-policy-oriental-2024-oichlip25044v032425/document/13793"}],"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":"AROGYA SANJEEVANI POLICY - ORIENTAL 2024 (UIN OICHLIP25044V032425), IndiaInsurances, https://indiainsurances.com/policy/oriental-insurance/arogya-sanjeevani-policy-oriental-2024-oichlip25044v032425"}