{"uin":"RELHLGP08003V010708","name":"IndusInd Critical Illness Policy","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-critical-illness-policy-relhlgp08003v010708","insurer":{"slug":"indusind-general-insurance","name":"IndusInd General Insurance Company Limited","url":"https://indiainsurances.com/insurer/indusind-general-insurance"},"line":"health","category":"critical-illness","category_name":"Critical illness","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"IndusInd Critical Illness Policy is a health benefit policy for listed critical illnesses and surgeries, with a fixed compensation benefit stated in the schedule and an initial waiting period of more than 90 days. It covers 10 critical illnesses and surgeries in two categories, with survival periods of more than 30 days for Category 1 and more than 60 days for Category II.","analysis":{"state":"machine","analysed_at":"2026-10-19 20:51:31.325299+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"The documents mention multiple plans but do not name the plans.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"1 year or 3 years.","display":"1 year or 3 years","note":null,"quote":"For Annual Policy equivalent to 5%, on cumulative basis, of renewal premium for each continuous claim free year will be offered as No claim Discount subject to maximum up to 50%, where the Policy which is claim free & is renewed without a break. ... For Policy with 3 year Term : 10% on cumulative basis on every claim free block of 3 completed years renewable for a further period of 3 years will be offered as No claim Discount subject to a maximum discount of up to 50%, of the renewal premium where the Policy which is claim free is renewed without a break.","sources":[{"clause":"13(a)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-critical-illness-policy-relhlgp08003v010708/document/9673#c-13-a-2"},{"clause":"13(b)","heading":"For Policy with 3 year Term","page":7,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-critical-illness-policy-relhlgp08003v010708/document/9673#c-13-b-2"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"The policyholder or insured person must notify the company immediately and within 7 days of the occurrence of the insured event.","display":"Immediately and within 7 days of occurrence","note":null,"quote":"the Policyholder/ Insured Person, must notify the Company either at the call center or in writing immediately and within 7 days of occurrence of such insured event.","sources":[{"clause":"5.1","heading":"CLAIM INTIMATION","page":5,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-critical-illness-policy-relhlgp08003v010708/document/9673#c-5-1"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Duly completed and signed Claim Form, in original","Medical Practitioner's referral letter advising Hospitalization","Medical Practitioner's prescription advising drugs / diagnostic tests / consultation","Discharge card from the Hospital / Medical Practitioner","Original pathological / diagnostic test reports and payment receipts","Indoor case papers","First Information Report/ Final Police Report, if applicable","Post mortem report, if available","Any other document as required by the Company to assess the Claim"],"display":"Claim form, referral letter, prescription, discharge card, diagnostic reports and receipts, indoor case papers, police report if applicable, post mortem report if available, and other documents required","note":null,"quote":"- Duly completed and signed Claim Form, in original ... - Medical Practitioner's referral letter advising Hospitalization ... - Medical Practitioner's prescription advising drugs / diagnostic tests / consultation ... - Discharge card from the Hospital / Medical Practitioner ... - Original pathological / diagnostic test reports and payment receipts ... - Indoor case papers ... - First Information Report/ Final Police Report, if applicable ... - Post mortem report, if available ... - Any other document as required by the Company to assess the Claim","sources":[{"clause":"5.3","heading":"CLAIM DOCUMENTS","page":5,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-critical-illness-policy-relhlgp08003v010708/document/9673#c-5-3"}],"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":"conflicting","value":"The prospectus says the company shall settle the claim within 30 days from receipt of the last necessary document, or within 45 days from receipt of the last necessary document where investigation is warranted.","display":"30 days from last necessary document; 45 days if investigation","note":"CIS says: '• 15 days (without investigation)' and '• 30 days (if investigation is referred)'.","quote":"The Company shall settle the claim within 30 days from the date of receipt of last necessary document. However, where the circumstances of a claim warrant an investigation in Company’s opinion 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, Company shall settle the claim within 45 days from the date of receipt of last necessary document. ... • 15 days (without investigation) ... • 30 days (if investigation is referred)","sources":[{"clause":"6.5","heading":"PAYMENT TERMS","page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-critical-illness-policy-relhlgp08003v010708/document/9677#c-6-5"},{"clause":null,"heading":"Cashless","page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-critical-illness-policy-relhlgp08003v010708/document/9663#c-cashless"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Pre-existing diseases / illness / injury / conditions – All diseases, illnesses, injuries which are pre-existing when the cover incepts for the first time under this Policy.","Critical illness contracted or evident through Sign and symptoms within 3 months of the inception date of this policy.","Certification / diagnosis by a family member or any diagnosis that is not scientifically recognized.","Certification / diagnosis from a person not registered as Medical Practitioners under respective medical councils.","Accidental injury leading to any condition/complication that is not listed in Categories I and II dealt with under the scope of coverage above.","Any critical illness arising out of any congenital illness or condition or disorder whether internal or external.","Critical illness/condition resulting, directly or indirectly, caused by, contributed to or aggravated or prolonged by child birth or from pregnancy or in consequence thereof.","Any critical illness due to alcohol, smoking, other tobacco intake or drug abuse.","Any treatment/surgery for change sex or any cosmetic surgery or treatment/surgery/complications/illness arising as a consequence thereof.","Critical illness acquired as a consequence of Human Immuno-deficiency Virus (HIV) infection.","Intentional self-injury, suicide or attempted suicide","Self exposure to needless perils except in an attempted to save human life.","Proposer or any of his family members whilst engaging in speed contest or racing of any kind","Disease critical illness, directly or indirectly, caused by or arising form or attributable to foreign, invasion, act of foreign enemies, hostilities","Critical illness caused by ionizing radiation or contamination by radioactivity"],"display":"Pre-existing disease, 3-month initial exclusion, unrecognised or family-member diagnosis, non-registered practitioners, unlisted accidental injury complications, congenital illness, pregnancy/childbirth, alcohol/smoking/tobacco/drug abuse, sex change/cosmetic treatment, HIV, self-injury/suicide, needless perils, hazardous sports, war/terrorism, and radiation/nuclear risks","note":null,"quote":"Pre-existing diseases / illness / injury / conditions – All diseases, illnesses, injuries which are pre-existing when the cover incepts for the first time under this Policy. ... Critical illness contracted or evident through Sign and symptoms within 3 months of the inception date of this policy. ... Certification / diagnosis by a family member or any diagnosis that is not scientifically recognized. ... Certification / diagnosis from a person not registered as Medical Practitioners under respective medical councils. ... Accidental injury leading to any condition/complication that is not listed in Categories I and II dealt with under the scope of coverage above. ... Any critical illness arising out of any congenital illness or condition or disorder whether internal or external. ... Critical illness/condition resulting, directly or indirectly, caused by, contributed to or aggravated or prolonged by child birth or from pregnancy or in consequence thereof. ... Any critical illness due to alcohol, smoking, other tobacco intake or drug abuse. ... Any treatment/surgery for change sex or any cosmetic surgery or treatment/surgery/complications/illness arising as a consequence thereof. ... Critical illness acquired as a consequence of Human Immuno-deficiency Virus (HIV) infection. ... Intentional self-injury, suicide or attempted suicide ... Self exposure to needless perils except in an attempted to save human life. ... Proposer or any of his family members whilst engaging in speed contest or racing of any kind ... Disease critical illness, directly or indirectly, caused by or arising form or attributable to foreign, invasion, act of foreign enemies, hostilities ... Critical illness caused by ionizing radiation or contamination by radioactivity","sources":[{"clause":"4.1","heading":"GENERAL EXCLUSIONS","page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-critical-illness-policy-relhlgp08003v010708/document/9673#c-4-1"},{"clause":"4.1(i)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-critical-illness-policy-relhlgp08003v010708/document/9673#c-4-1-i"},{"clause":"4.1(ii)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-critical-illness-policy-relhlgp08003v010708/document/9673#c-4-1-ii"}],"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 with grievance details through its website, e-mail, telephone or post/courier to a branch or correspondence address. If not satisfied with the company's redressal, the policyholder may approach the nearest Insurance Ombudsman.","display":"Complain to the company by website, e-mail, telephone or post/courier; then Insurance Ombudsman if not satisfied","note":null,"quote":"If the Policyholder has a Grievance that the Policyholder wishes the Company to redress, the Policyholder may contact the Company with the details of his Grievance through: ... Website | : https://www.indusindinsurance.com ... e-mail | : services@indusindinsurance.com ... Telephone | : 022 4890 3009 (paid) ... Post/Courier : Any branch office, the correspondence address, during normal business hours ... If the Policyholder is not satisfied with the Company's redressal of the Policyholder's Grievance through one of the above methods, the Policyholder may approach the nearest Insurance Ombudsman for resolution of the Grievance.","sources":[{"clause":"27","heading":"Grievances","page":9,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-critical-illness-policy-relhlgp08003v010708/document/9673#c-27"}],"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":"conflicting","value":"Rs. 5/7/10/15/20 Lacs.","display":"Rs. 5/7/10/15/20 Lacs","note":"The lower-priority brochure lists only '₹5 lakhs | ₹7 lakhs | ₹10 lakhs'.","quote":"The Policy offers varying Sum Insured options as Rs. 5/7/10/15/20 Lacs. ... Sum insured | ₹5 lakhs | ₹7 lakhs | ₹10 lakhs","sources":[{"clause":"Section 1","heading":"INTRODUCTION","page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-critical-illness-policy-relhlgp08003v010708/document/9677#c-section-1"},{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-critical-illness-policy-relhlgp08003v010708/document/9590#c-s1"}],"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":90},"display":"more than 90 days","note":null,"quote":"whose first signs or symptoms first commence more than 90 days after the commencement of Policy Period","sources":[{"clause":"Section 3","heading":"SCOPE OF COVER","page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-critical-illness-policy-relhlgp08003v010708/document/9673#c-section-3"}],"law":[]},{"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":"No separate waiting-period list for named treatments such as cataract, hernia or joint replacement is printed.","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":"No separate waiting-period list for named treatments such as cataract, hernia or joint replacement is printed.","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":"quote-verified","value":{"unit":"months","amount":60},"display":"sixty continuous months","note":null,"quote":"After completion of sixty continuous months of coverage (including portability and migration) in health insurance policy, no policy and claim shall be contestable by the insurer on grounds of non-disclosure, misrepresentation, except on grounds of established fraud. This period of sixty continuous months is called as moratorium period.","sources":[{"clause":null,"heading":"Cashless","page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-critical-illness-policy-relhlgp08003v010708/document/9663#c-cashless"}],"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 transfer of credit for pre-existing conditions and time bound exclusions when switching insurers. If the policyholder or insured renews with the company without break from a similar individual health policy with another IRDA-registered insurer, waiting periods are reduced by the years of continuous coverage with previous insurers.","display":"Yes, credit for pre-existing conditions and time bound exclusions when switching insurers","note":null,"quote":"Portability means transfer by an individual health insurance policyholder (including family cover) of the credit gained for pre-existing conditions and time bound exclusions if he/she chooses to switch from one Insurer to another. ... the Waiting Periods as defined in exclusions shall be reduced by the number of years of continuous coverage under such health insurance policy with the previous insurer(s).","sources":[{"clause":"22","heading":"Portability","page":9,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-critical-illness-policy-relhlgp08003v010708/document/9673#c-22"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"quote-verified","value":true,"display":"Yes, lifelong renewal","note":"Eligibility table says renewal is life long subject to no claim. The policy says it shall not be renewed if a claim is paid or admitted.","quote":"Lifelong renewal of policy ... Renewal Upto, subject to no claim | Renewal Upto, subject to no claim ... Life Long ... This policy shall not be renewed and the Insured shall not be eligible for any new Critical Illness or similar policies if a claim is paid or admitted under this Policy","sources":[{"clause":"8","heading":"Lifelong renewal of policy","page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-critical-illness-policy-relhlgp08003v010708/document/9677#c-8"},{"clause":null,"heading":"Cancer of specified severity","page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-critical-illness-policy-relhlgp08003v010708/document/9677#c-cancer-of-specified-severity"},{"clause":"13(b)","heading":"For Policy with 3 year Term","page":7,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-critical-illness-policy-relhlgp08003v010708/document/9673#c-13-b-2"}],"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":"The policy does not describe claim-based premium loading; instead, it says the policy shall not be renewed and the insured shall not be eligible for any new Critical Illness or similar policies if a claim is paid or admitted.","display":"No claim loading stated; policy not renewed if a claim is paid or admitted","note":null,"quote":"This policy shall not be renewed and the Insured shall not be eligible for any new Critical Illness or similar policies if a claim is paid or admitted under this Policy","sources":[{"clause":"13(b)","heading":"For Policy with 3 year Term","page":7,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-critical-illness-policy-relhlgp08003v010708/document/9673#c-13-b-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"quote-verified","value":["Certification / diagnosis by a family member or any diagnosis that is not scientifically recognized.","Certification / diagnosis from a person not registered as Medical Practitioners under respective medical councils.","Accidental injury leading to any condition/complication that is not listed in Categories I and II dealt with under the scope of coverage above.","Any critical illness arising out of any congenital illness or condition or disorder whether internal or external.","Critical illness/condition resulting, directly or indirectly, caused by, contributed to or aggravated or prolonged by child birth or from pregnancy or in consequence thereof.","Any critical illness due to alcohol, smoking, other tobacco intake or drug abuse.","Any treatment/surgery for change sex or any cosmetic surgery or treatment/surgery/complications/illness arising as a consequence thereof.","Critical illness acquired as a consequence of Human Immuno-deficiency Virus (HIV) infection.","Intentional self-injury, suicide or attempted suicide","Self exposure to needless perils except in an attempted to save human life.","Proposer or any of his family members whilst engaging in speed contest or racing of any kind","Disease critical illness, directly or indirectly, caused by or arising form or attributable to foreign, invasion, act of foreign enemies, hostilities","Critical illness caused by ionizing radiation or contamination by radioactivity","Critical illness, directly or indirectly, caused by or contributed to by nuclear weapons/materials or radioactive contamination.","Any critical illness arising or resulting from the Import committing any breach of law or participating in an actual or attempted felony, riot, crime, misdemeanor or civil commotion."],"display":"Diagnosis by family member or unrecognised diagnosis, non-registered practitioner, unlisted accidental injury complication, congenital illness, pregnancy/childbirth, alcohol/smoking/tobacco/drug abuse, sex change/cosmetic treatment, HIV, self-injury/suicide, needless perils, hazardous sports, war/terrorism, radiation, nuclear weapons/materials, and breach of law/crime","note":null,"quote":"Certification / diagnosis by a family member or any diagnosis that is not scientifically recognized. ... Certification / diagnosis from a person not registered as Medical Practitioners under respective medical councils. ... Accidental injury leading to any condition/complication that is not listed in Categories I and II dealt with under the scope of coverage above. ... Any critical illness arising out of any congenital illness or condition or disorder whether internal or external. ... Critical illness/condition resulting, directly or indirectly, caused by, contributed to or aggravated or prolonged by child birth or from pregnancy or in consequence thereof. ... Any critical illness due to alcohol, smoking, other tobacco intake or drug abuse. ... Any treatment/surgery for change sex or any cosmetic surgery or treatment/surgery/complications/illness arising as a consequence thereof. ... Critical illness acquired as a consequence of Human Immuno-deficiency Virus (HIV) infection. ... Intentional self-injury, suicide or attempted suicide ... Self exposure to needless perils except in an attempted to save human life. ... Proposer or any of his family members whilst engaging in speed contest or racing of any kind ... Disease critical illness, directly or indirectly, caused by or arising form or attributable to foreign, invasion, act of foreign enemies, hostilities ... Critical illness caused by ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. ... Critical illness, directly or indirectly, caused by or contributed to by nuclear weapons/materials or radioactive contamination. ... Any critical illness arising or resulting from the Import committing any breach of law or participating in an actual or attempted felony, riot, crime, misdemeanor or civil commotion.","sources":[{"clause":"4.1","heading":"GENERAL EXCLUSIONS","page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-critical-illness-policy-relhlgp08003v010708/document/9673#c-4-1"},{"clause":"4.1(i)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-critical-illness-policy-relhlgp08003v010708/document/9673#c-4-1-i"},{"clause":"4.1(ii)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-critical-illness-policy-relhlgp08003v010708/document/9673#c-4-1-ii"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The policyholder may cancel with 15 days' notice; the company refunds premium for the unexpired period at short-period scales if no claim has been made. For 1-year policies, refunds are 75.0% up to 1 month, 50.0% up to 3 months, and 25.0% up to 6 months; for long-term contracts, the company retains proportionate premium for the covered period and 30% of the balance premium.","display":"15 days' notice; if no claim, 75.0% up to 1 month, 50.0% up to 3 months, 25.0% up to 6 months; long-term: proportionate premium plus 30% of balance retained","note":null,"quote":"The Policyholder may also give 15days' notice in writing, to the Company, for the cancellation of this Policy, in which case the Company shall from the date of receipt of the notice, cancel the Policy and refund the premium for the unexpired period of this Policy at the short period scales as mentioned below, provided no Claim has been made under the Policy by the Policyholder/ Insured Person. ... Upto 1 month | 75.0% ... Upto 3 month | 50.0% ... Upto 6 month | 25.0% ... For long term contracts (greater than 1 year), the Company shall, from the date of receipt of notice cancel the Policy after retaining proportionate premium for the covered period and 30% of the premium relating to the balance premium for the unexpired period.","sources":[{"clause":"14","heading":"Cancellation / Termination","page":8,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-critical-illness-policy-relhlgp08003v010708/document/9673#c-14-2"},{"clause":null,"heading":"Refund % to be applied on Policy Premium","page":8,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-critical-illness-policy-relhlgp08003v010708/document/9673#c-refund-to-be-applied-on-policy-premium"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"The policy covers medical treatment taken within India, with payments made in Indian Rupees within India, and claims payable only if the cause of action arises in India.","display":"Medical treatment within India; payments in Indian Rupees within India; cause of action in India","note":null,"quote":"This Policy covers medical treatment taken within India, and payments under this Policy shall be made in Indian Rupees within India. ... Claims shall be payable under this Policy only if the cause of action arises in India.","sources":[{"clause":"5.5","heading":"PAYMENT TERMS","page":5,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-critical-illness-policy-relhlgp08003v010708/document/9673#c-5-5"},{"clause":"18","heading":"Cause of Action","page":8,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-critical-illness-policy-relhlgp08003v010708/document/9673#c-18-2"}],"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":"The Policyholder would be given a period of 15 days (Free Look Period) from the date of receipt of the Policy to review the entire Policy.","sources":[{"clause":"12","heading":"Free Look Period","page":7,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-critical-illness-policy-relhlgp08003v010708/document/9673#c-12-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":null,"quote":"Grace period refers to a period of 30 days immediately following the premium due date during which a payment can be made to renew this Policy without loss of continuity benefits such as Waiting Periods and coverage of Pre-existing Disease.","sources":[{"clause":"13(c)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-critical-illness-policy-relhlgp08003v010708/document/9673#c-13-c"}],"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":"Minimum entry age is 18 years. Maximum entry age is up to 65 years, varying by sum insured: up to 5 Lac is 65 years, up to 7 Lac is 60 years, up to 10 Lac is 55 years, and up to 20 Lac is 50 years.","display":"18 years to 65 years; maximum varies by sum insured","note":null,"quote":"Minimum entry age – 18 years* ... Maximum Entry Age upto 65 years * ... Upto 5 Lac | 18 | 65 | Life Long | 45 yrs ... Upto 7 Lac | 18 | 60 | Life Long | 45 yrs ... Upto 10 Lac | 18 | 55 | Life Long | 45 yrs ... Upto 20 Lac | 18 | 50 | Life Long | 45 yrs","sources":[{"clause":"6","heading":"Minimum entry age – 18 years*","page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-critical-illness-policy-relhlgp08003v010708/document/9677#c-6"},{"clause":"7","heading":"Maximum Entry Age upto 65 years *","page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-critical-illness-policy-relhlgp08003v010708/document/9677#c-7"},{"clause":null,"heading":"Cancer of specified severity","page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-critical-illness-policy-relhlgp08003v010708/document/9677#c-cancer-of-specified-severity"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"not-stated","value":null,"display":null,"note":"The documents state annual and 3-year policy terms, but do not state premium payment modes such as yearly, half-yearly, quarterly or monthly.","quote":null,"sources":[],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"quote-verified","value":"Coverage is not available for the period for which premium is not received by the company, and the company is not liable for claims incurred during that period.","display":"No cover for the unpaid grace period","note":null,"quote":"Coverage is not available for the period for which Premium is not received by the Company The Company shall not be liable for any Claims incurred during such period.","sources":[{"clause":"13(c)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-critical-illness-policy-relhlgp08003v010708/document/9673#c-13-c"}],"law":[]},{"key":"illness_count","label":"Number of illnesses covered","section":"Cover","meaning":"How many critical illnesses are listed. The definitions matter more than the count.","status":"quote-verified","value":10,"display":"10 critical illnesses and surgeries","note":"The wording lists five Category 1 and five Category II insured events.","quote":"Cover for 10 Critical Illnesses and Surgeries The policy covers 10 specified critical illnesses and surgeries","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-critical-illness-policy-relhlgp08003v010708/document/9590#c-s1"}],"law":[]},{"key":"illness_list","label":"Illnesses covered","section":"Cover","meaning":"The listed illnesses. Standard definitions are set by IRDAI.","status":"quote-verified","value":["Cancer of specified severity","Major Organ/ Bone Marrow Transplant","Multiple Sclerosis with Persisting Symptoms","Third Degree Burns","Aorta Graft Surgery","Open Heart Replacement or Repair of Heart Valves","Coma of Specified Severity","Quadriplegia / Permanent Paralysis of all four limbs","Total Blindness","Kidney Failure Requiring Regular Dialysis"],"display":"Cancer of specified severity; Major Organ/ Bone Marrow Transplant; Multiple Sclerosis with Persisting Symptoms; Third Degree Burns; Aorta Graft Surgery; Open Heart Replacement or Repair of Heart Valves; Coma of Specified Severity; Quadriplegia / Permanent Paralysis of all four limbs; Total Blindness; Kidney Failure Requiring Regular Dialysis","note":null,"quote":"3.1.1 Cancer of specified severity ... 3.1.2 Major Organ/ Bone Marrow Transplant ... 3.1.3 Multiple Sclerosis with Persisting Symptoms ... 3.1.4 Third Degree Burns ... 3.1.5 Aorta Graft Surgery ... 3.2.1 Open Heart Replacement or Repair of Heart Valves ... 3.2.2 Coma of Specified Severity ... 3.2.3 Quadriplegia / Permanent Paralysis of all four limbs ... 3.2.4 Total Blindness ... 3.2.5 Kidney Failure Requiring Regular Dialysis","sources":[{"clause":"3.1.1","heading":"Cancer of specified severity","page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-critical-illness-policy-relhlgp08003v010708/document/9673#c-3-1-1"},{"clause":"3.1.2","heading":"Major Organ/ Bone Marrow Transplant","page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-critical-illness-policy-relhlgp08003v010708/document/9673#c-3-1-2"},{"clause":"3.1.3","heading":"Multiple Sclerosis with Persisting Symptoms","page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-critical-illness-policy-relhlgp08003v010708/document/9673#c-3-1-3"},{"clause":"3.1.4","heading":"Third Degree Burns","page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-critical-illness-policy-relhlgp08003v010708/document/9673#c-3-1-4"},{"clause":"3.1.5","heading":"Aorta Graft Surgery","page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-critical-illness-policy-relhlgp08003v010708/document/9673#c-3-1-5"},{"clause":"3.2.1","heading":"Open Heart Replacement or Repair of Heart Valves","page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-critical-illness-policy-relhlgp08003v010708/document/9673#c-3-2-1"},{"clause":"3.2.2","heading":"Coma of Specified Severity","page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-critical-illness-policy-relhlgp08003v010708/document/9673#c-3-2-2"},{"clause":"3.2.3","heading":"Quadriplegia / Permanent Paralysis of all four limbs","page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-critical-illness-policy-relhlgp08003v010708/document/9673#c-3-2-3"},{"clause":"3.2.4","heading":"Total Blindness","page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-critical-illness-policy-relhlgp08003v010708/document/9673#c-3-2-4"},{"clause":"3.2.5","heading":"Kidney Failure Requiring Regular Dialysis","page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-critical-illness-policy-relhlgp08003v010708/document/9673#c-3-2-5"}],"law":[]},{"key":"payout","label":"Payout","section":"Cover","meaning":"Lump sum on diagnosis, staged payouts by severity, or reimbursement.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"survival_period","label":"Survival period","section":"Waiting periods","meaning":"Days you must survive after diagnosis before the money is paid.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"more than 30 days","note":"Category II requires survival for more than 60 days post diagnosis, occurrence or undergoing of the insured event.","quote":"The payment of claim under this Category 1 shall be subject to survival of the Insured Person for more than 30 days post diagnosis, occurrence or undergoing of the Insured Event covered under this Category ... The payment of claim under this Category II shall be subject to survival of the Insured Person for more than 60 days post diagnosis, occurrence or undergoing of the Insured Event covered under this Category.","sources":[{"clause":"3.1","heading":"CATEGORY 1","page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-critical-illness-policy-relhlgp08003v010708/document/9673#c-3-1"},{"clause":"3.2","heading":"CATEGORY 2","page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-critical-illness-policy-relhlgp08003v010708/document/9673#c-3-2"}],"law":[]},{"key":"multiple_claims","label":"Multiple claims","section":"Cover","meaning":"Whether you can claim for more than one illness.","status":"quote-verified","value":"The policy terminates when a claim is paid under any category where the payment is for 100% compensation benefit. The company's aggregate liability for all claims for a specific insured cannot exceed that insured's sum insured.","display":"Policy terminates on a 100% compensation benefit claim; aggregate all claims limited to the sum insured","note":null,"quote":"The Policy will terminate forthwith on a claim being paid under any category where payment is for 100% compensation benefit. The company's total liability in aggregate for all claims under the policy for a specific insured shall not exceed the respective Sum Insured of that Insured.","sources":[{"clause":"5.5","heading":"PAYMENT TERMS","page":5,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-critical-illness-policy-relhlgp08003v010708/document/9673#c-5-5"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing conditions","section":"Waiting periods","meaning":"Whether an illness you already had can ever be claimed: after a waiting period, or never.","status":"quote-verified","value":"Pre-existing diseases, illnesses, injuries and conditions are excluded when the cover incepts for the first time under this Policy.","display":"Pre-existing diseases excluded when cover first incepts","note":null,"quote":"Pre-existing diseases / illness / injury / conditions – All diseases, illnesses, injuries which are pre-existing when the cover incepts for the first time under this Policy.","sources":[{"clause":"4.1","heading":"GENERAL EXCLUSIONS","page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-critical-illness-policy-relhlgp08003v010708/document/9673#c-4-1"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]}],"documents":[{"kind":"wording","label":"IndusInd Critical Illness Policy (RELHLGP08003V010708 effective from 2007)","pages":12,"fetched_at":"2026-10-17 19:46:13+00","source_url":"https://www.indusindinsurance.com/downloads/critical-illness-policy-wording","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-critical-illness-policy-relhlgp08003v010708/document/9673"},{"kind":"prospectus","label":"IndusInd Critical Illness Policy (RELHLGP08003V010708 effective from 2007)","pages":10,"fetched_at":"2026-10-17 19:46:20+00","source_url":"https://www.indusindinsurance.com/downloads/indusind-critical-illness-policy-prospectus","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-critical-illness-policy-relhlgp08003v010708/document/9677"},{"kind":"cis","label":"IndusInd Critical Illness Policy (RELHLGP08003V010708 effective from 2007)","pages":6,"fetched_at":"2026-10-17 19:45:54+00","source_url":"https://www.indusindinsurance.com/downloads/indusind-critical-illness-policy-cis","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-critical-illness-policy-relhlgp08003v010708/document/9663"},{"kind":"brochure","label":"IndusInd Critical Illness Policy (RELHLGP08003V010708 effective from 2007)","pages":7,"fetched_at":"2026-10-17 19:40:29+00","source_url":"https://www.indusindinsurance.com/downloads/brochure-indusind-critical-illness-policy","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-critical-illness-policy-relhlgp08003v010708/document/9590"},{"kind":"proposal","label":"IndusInd Critical Illness Policy (RELHLGP08003V010708 effective from 2007)","pages":null,"fetched_at":"2026-10-17 19:45:02+00","source_url":"https://www.indusindinsurance.com/downloads/proposal-form-for-indusind-critical-illness-policy","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-critical-illness-policy-relhlgp08003v010708/document/22664"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"IndusInd General Insurance official website","url":"https://www.indusindinsurance.com/","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":"Car insurance claim","url":"https://www.indusindinsurance.com/car-insurance-claim","note":null},{"purpose":"claim","kind":"insurer","name":"Health insurance claims","url":"https://www.indusindinsurance.com/health-insurance-claims","note":null},{"purpose":"claim","kind":"insurer","name":"Travel insurance claim","url":"https://www.indusindinsurance.com/travel-insurance-claim","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.indusindinsurance.com/about-us/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."},{"purpose":"renew","kind":"insurer","name":"Renew car insurance","url":"https://www.indusindinsurance.com/car-insurance/renew-car-insurance","note":null},{"purpose":"renew","kind":"insurer","name":"Renew health insurance","url":"https://www.indusindinsurance.com/health-insurance/health-insurance-renewal","note":null}],"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":"IndusInd Critical Illness Policy (UIN RELHLGP08003V010708), IndiaInsurances, https://indiainsurances.com/policy/indusind-general-insurance/indusind-critical-illness-policy-relhlgp08003v010708"}