{"uin":"RELHLGP21006V012021","name":"Group Mediclaim For IndusInd Yes Plus Health Insurance","url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021","insurer":{"slug":"indusind-general-insurance","name":"IndusInd General Insurance Company Limited","url":"https://indiainsurances.com/insurer/indusind-general-insurance"},"line":"health","category":"group-health","category_name":"Group health","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"This is a group health indemnity policy for Yes Bank certificate holders that pays inpatient and day care medical expenses above the aggregate deductible up to the certificate sum insured. It has a 30 days initial waiting period, 24 months waiting periods for pre-existing diseases and specified diseases, maternity cover up to Rs. 1 lakh after 12 months, and cashless treatment at network hospitals.","analysis":{"state":"machine","analysed_at":"2026-10-19 20:54:20.131062+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":null,"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","display":"1 year","note":null,"quote":"Policy Tenure-> | 1 year","sources":[{"clause":null,"heading":"Refund % to be applied on Policy Premium","page":24,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-refund-to-be-applied-on-policy-premium"}],"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":"Planned hospitalisation must be intimated at least 48 hours before admission. Emergency hospitalisation must be intimated within 24 hours of admission.","display":"Planned: at least 48 hours before admission; Emergency: within 24 hours of admission","note":null,"quote":"Planned Hospitalization, the Insured Person will intimate such admission at least 48 hours prior to the planned date of admission. ii. Emergency Hospitalization, the Insured Person will intimate such admission within 24 hours of such admission.","sources":[{"clause":"5.1","heading":"CLAIM INTIMATION","page":19,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#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","Original bills, receipts and discharge card from the Hospital / Medical Practitioner","Original bills from pharmacy / chemists","Original pathological / diagnostic test reports and payment receipts","Ambulance receipt and bill","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, medical referral and prescriptions, hospital bills and discharge card, pharmacy bills, diagnostic reports and receipts, ambulance bill, FIR/final police report if applicable, post mortem report if available, and any other required document","note":null,"quote":"i) Duly completed and signed Claim Form, in original\nii) Medical Practitioner's referral letter advising Hospitalization\niii) Medical Practitioner's prescription advising drugs / diagnostic tests / consultation\niv) Original bills, receipts and discharge card from the Hospital / Medical Practitioner\nv) Original bills from pharmacy / chemists\nvi) Original pathological / diagnostic test reports and payment receipts\nvii) Ambulance receipt and bill\nviii) First Information Report/ Final Police Report, if applicable\nix) Post mortem report, if available\nx) Any other document as required by the Company to assess the Claim","sources":[{"clause":"5.5","heading":"CLAIM DOCUMENTS","page":20,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-5-5"}],"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 the claim within 30 days from receipt of the last necessary document. If investigation is warranted, it shall settle within 45 days from receipt of the last necessary document; claim rejection is communicated within the same 30 days or 45 days timelines.","display":"Within 30 days from receipt of last necessary document; investigated claims within 45 days","note":null,"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. ... The Company shall also decide and communicate any rejection of claim within 30 days from the date of receipt of last necessary document. ... Company shall also decide and communicate any rejection of the claim within 45 days from the date of receipt of last necessary document.","sources":[{"clause":"5.5(b)(vii)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-5-5-b-vii"},{"clause":"5.5(b)(viii)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-5-5-b-viii"}],"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 Disease: treatment of a Pre-existing Disease and its direct complications excluded until 24 months","Specified disease/procedure waiting period: listed Conditions, surgeries/treatments excluded until 24 months","30 Days Waiting Period: treatment of any illness within 30 days from the first policy commencement date excluded except accident claims","Investigation & Evaluation","Rest Cure, rehabilitation and respite care","Obesity/ Weight Control","Change-of-Gender treatments","Cosmetic or Plastic Surgery","Hazardous or Adventure sports","Breach of law","Drugs or treatments: Alcoholism, drug or substance abuse or any addictive condition","Overseas treatment","Self-injury or suicide","War","Wilful Act/Negligence"],"display":"PED 24 months, specified diseases/procedures 24 months, 30 days illness waiting, investigation/evaluation, rest cure, obesity, change of gender, cosmetic surgery, hazardous sports, breach of law, drugs/alcohol, overseas treatment, self-injury/suicide, war, and wilful negligence","note":null,"quote":"Expenses related to the treatment of a Pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the first Policy with Insurer ... Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the first Policy with us. ... 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. ... Excl04 Investigation & Evaluation (Code:Excl04) ... Rest Cure, rehabilitation and respite care (Code:Excl05) ... Obesity/ Weight Control (Code:Excl06) ... Change-of-Gender treatments (Code:Excl07) ... Cosmetic or Plastic Surgery (Code:Excl08) ... Hazardous or Adventure sports (Code:Excl09) ... Breach of law (Code: Excl10) ... Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. ... Overseas treatment: Any treatment taken by Insured Person availed outside India. ... Self-injury or suicide: Any intentional self-inflicted Injury, suicide or attempted suicide. ... War (whether declared or not) and war like occurrence or invasion, acts of foreign enemies, hostilities, civil war, rebellion, revolutions, insurrections, mutiny, military or usurped power, seizure, capture, arrest, restraints and detainment of all kinds. ... Wilful Act/Negligence: Wilful acts or wilful gross negligence of the Insured Person.","sources":[{"clause":"Excl01","heading":"Pre-Existing Disease (Code: Excl01)","page":13,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-excl01"},{"clause":"Excl02(a)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-excl02-a"},{"clause":"Excl02(a)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-excl02-a-2"},{"clause":"Excl04","heading":"Investigation & Evaluation (Code:Excl04)","page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-excl04"},{"clause":"5","heading":"Rest Cure, rehabilitation and respite care (Code:Excl05)","page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-5-2"},{"clause":"6","heading":"Obesity/ Weight Control (Code:Excl06)","page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-6-3"},{"clause":"7","heading":"Change-of-Gender treatments (Code:Excl07)","page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-7-3"},{"clause":"8","heading":"Cosmetic or Plastic Surgery (Code:Excl08)","page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-8-3"},{"clause":"9","heading":"Hazardous or Adventure sports (Code:Excl09)","page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-9-3"},{"clause":"10","heading":"Breach of law (Code: Excl10)","page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-10-2"},{"clause":"12","heading":"Drugs or treatments (Code","page":16,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-12-2"},{"clause":"25","heading":"Overseas treatment","page":16,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-25-2"},{"clause":"27","heading":"Self-injury or suicide","page":16,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-27-2"},{"clause":"29","heading":null,"page":16,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-29-2"},{"clause":"30","heading":"Wilful Act/Negligence","page":16,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-30-2"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"For grievances, the policyholder may first contact the Company through its website, email, telephone, branch or correspondence address. If not satisfied with the Company's redressal, the policyholder may approach the nearest Insurance Ombudsman.","display":"Contact the Company first by website, email, telephone, post/courier or branch; then nearest 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:\nWebsite : https://indusindinsurance.com e-mail : services@indusindinsurance.com Telephone : 022 4890 3009 (paid) Post/Courier : Any branch office, the correspondence address, during normal business hours Write to us at : IndusInd General Insurance, (Correspondence Only) Correspondence Unit, 301 302, Corporate House RNT Marg, Opp. Jhabua Tower, Indore, Madhya Pradesh, India – 452001 ... If the Policyholder is not satisfied with the Company's redressal of the Policyholder's Grievance through one of the abovemethods, the Policyholder may approach the nearest Insurance Ombudsman for resolution of the Grievance.","sources":[{"clause":"11(b)","heading":null,"page":24,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-11-b-2"}],"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":"not-stated","value":null,"display":null,"note":"The wording says the Sum Insured is mentioned in the Certificate of Insurance, but selectable cover amounts are not printed.","quote":null,"sources":[],"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":"Accident claims are excepted if covered; the exclusion does not apply after 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. ... This exclusion shall not, however, apply if the Insured Person has continuous coverage for more than twelve months.","sources":[{"clause":"Excl02(a)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-excl02-a-2"},{"clause":"Excl02(b)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-excl02-b-2"}],"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":24},"display":"24 months","note":"On enhancement of Sum Insured, the exclusion applies afresh to the increased Sum Insured; portability credit may reduce the waiting period.","quote":"Expenses related to the treatment of a Pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the first Policy with Insurer","sources":[{"clause":"Excl01","heading":"Pre-Existing Disease (Code: Excl01)","page":13,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-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":"Accident claims are excepted. If a specified disease/procedure also falls under the PED waiting period, the longer waiting period applies.","quote":"Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the first Policy with us. This exclusion shall not be applicable for claims arising due to an accident ... If any of the specified disease/procedure falls under the waiting period specified for Pre-Existing Diseases, then the longer of the two waiting periods shall apply.","sources":[{"clause":"Excl02(a)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-excl02-a"},{"clause":"Excl02(c)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-excl02-c"}],"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":["Sinusitis","Rhinitis","Tonsillitis","Adenoidectomy","Mastoidectomy","Tympanoplasty","Surgery for nasal septum deviation","Surgery for turbinate hypertrophy","Nasal concha resection","Nasal polypectomy","Cysts, polyps, Including breast lumps","Polycystic ovarian diseases","Fibromyoma","Adenomyosis","Endometriosis","Prolapsed uterus","Hysterectomy unless necessitated by malignancy","Non-infective arthritis","Gout and rheumatism","Osteoporosis","Ligament, tendon and meniscal tear","Prolapsed intervertebral disk","Joint replacement surgery","Cholelithiasis","Cholecystitis","Pancreatitis","Fissure/ fistula in anus, haemorrhoids, pilonidal sinus","Gastro Esophageal Reflux Disorder (GERD), ulcer and erosion of stomach and duodenum","Cirrhosis (however alcoholic cirrhosis is permanently excluded)","Perineal and perianal abscess","Rectal prolapse","Cholecystectomy","Surgery of hernia","Cataract","Retinal detachment","Glaucoma","Surgery for correction of eye sight due to refracti error above dioptre 14.0","Congenital internal disease","Surgery of varicose veins and varicose ulcers","Stem cell therapy or surgery","Administration of intra-articular or intra-lesional injections, Monoclonal antibodies such as Rituximab/ Infliximab/ Tratsuzumab and supplementary medications such as Zoledronic acid","Benign tumours of non-infectiousetiology such as cysts, nodules, polyps, or lumps or growth"],"display":"ENT, gynaecological, orthopaedic, gastrointestinal, eye, congenital internal disease, varicose veins, stem cell/injection treatments, and benign non-infectious tumours listed in the policy","note":null,"quote":"Ear, Nose, Throat (ENT) | a. Sinusitis b. Rhinitis | a. Adenoidectomy | um deviation hypertrophy n\nEar, Nose, | a. Sinusitis | a. Adenoidectomy\nThroat | b. Rhinitis | c. Tonsillectomy\nat | c. Tonsillectomy\n(ENT) c. Tonsillitisa | b. Mastoidectomy\nc. Tonsillitisa | b. Mastoidectomy d. Tympanoplasty\nd. Tympanoplasty\ne. Surgery for nasal sept | um deviation\ne. Surgery for nasal septum deviation\nf. Surgery for turbinate hypertrophy\nf. Surgery for turbinate ... g) Nasal concha resection\ng. Nasal concha resectio h. Nasal polypectomy | n ... h) Nasal polypectomy\nGynaecological | a. Cysts, polyps, Including breast lumps b. Polycystic ovarian diseases c. Fibromyoma d. Adenomyosis e. Endometriosis f. Prolapsed uterus | a. Hysterectomy unless necessitated by malignancy ... Orthopaedic | a. Non-infective arthritis b. Gout and rheumatism c. Osteoporosis d. Ligament, tendon and meniscal tear e. Prolapsed intervertebral disk | a. Joint replacement surgery\nGastrointestinal | a. Cholelithiasis b. Cholecystitis c. Pancreatitis d. Fissure/ fistula in anus, haemorrhoids, pilonidal sinus e. Gastro Esophageal Reflux Disorder (GERD), ulcer and erosion of stomach and duodenum f. Cirrhosis (however alcoholic cirrhosis is permanently excluded) g. Perineal and perianal abscess h. Rectal prolapse | a. Cholecystectomy b. Surgery of hernia\nEye | a. Cataract b. Retinal detachment c. Glaucoma | a. Surgery for correction of eye sight due to refracti error above dioptre 14.0\nOthers | a. Congenital internal disease | a. Surgery of varicose veins and varicose ulcers. b. Stem cell therapy or surgery c. Administration of intra-articular or intra-lesional injections, Monoclonal antibodies such as Rituximab/ Infliximab/ Tratsuzumab and supplementary medications such as Zoledronic acid\nGeneral | a. Benign tumours | a. Nil\nGeneral (Applicable | a. Benign tumours of non- | a. Nil\n(Applicable | of non-\nto all | infectiousetiology\nto all | infectiousetiology\norgan systems/ | such as cysts,\norgan systems/ organs whether | such as cysts, nodules, polyps,\norgans whether | nodules, polyps,\nor lumps or growth\nor not described above) | lumps or growth\nnot described above)","sources":[{"clause":"Excl02(f)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-excl02-f"},{"clause":"Excl02(g)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-excl02-g"},{"clause":"Excl02(h)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-excl02-h"}],"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":8},"display":"8 continuous years","note":"For enhanced Sum Insured, the moratorium applies from completion of eight continuous years from the date of enhancement only on the enhanced limits.","quote":"Moratorium Period: After completion of eight continuous years under this Policy, this Policy shall not be voided in the event of misrepresentation, misdescription or non-disclosure of any material fact. This period is referred to as the moratorium period.","sources":[{"clause":"6.1(d)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-6-1-d"}],"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 defined as the right of an individual health insurance policyholder, including floater, to transfer credit gained for pre-existing conditions and time-bound exclusions from one insurer to another or from one plan to another plan of the same insurer.","display":"Right to transfer waiting-period credit to another insurer or another plan of the same insurer","note":null,"quote":"Portability: Portability means the right accorded by an individual health insurance Policyholder (including floater) to transfer the credit gained for pre-existing conditions and timebound exclusions from one insurer to another or from one plan to another plan of the same insurer.","sources":[{"clause":"63","heading":"Portability: Portability","page":5,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-63"}],"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":"not-stated","value":null,"display":null,"note":"The wording states renewal is by mutual consent and that the policy terminates at the Certificate Period End Date, but it does not state lifelong renewal.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"not-stated","value":null,"display":null,"note":"The wording mentions extra premium or loading for non-disclosed conditions and says renewal premium may vary, but it does not state claim-based premium loading.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"quote-verified","value":["Excl04 Investigation & Evaluation","Excl05 Rest Cure, rehabilitation and respite care","Excl06 Obesity/ Weight Control","Excl07 Change-of-Gender treatments","Excl08 Cosmetic or Plastic Surgery","Excl09 Hazardous or Adventure sports","Excl10 Breach of law","Excl11 Excluded Providers","Excl12 Drugs or treatments","Excl13 Wellness and Rejuvenation","Excl14 Dietary Supplements & Substances","Excl15 Refractive Error","Excl16 Unproven Treatments-Code","Excl7 Sterility and Infertility","Aggregate Deductible","Dental Treatments","Experimental treatments","External Congenital Anomaly","Medically Necessary Treatment","Non-medical expenses","Outpatient treatment","Overseas treatment","Reasonable & Customary Charges","Self-injury or suicide","Treatment outside discipline","War","Wilful Act/Negligence","Sarcoidosis","Malignant Neoplasms","Epilepsy","Heart Ailment Congenital heart disease and valvular heart disease","Cerebrovas cular disease (Stroke)","Inflammatory Bowel Diseases","Chronic Liver diseases","Pancreatic diseases","Chronic Kidney disease","Hepatitis B","Alzheimer's Disease, Parkinson's Disease","Demyelinating disease","Loss of Hearing","Papulosquamous disorder of the skin","Avascular necrosis (osteonecrosis)"],"display":"Standard permanent exclusions Excl04 to Excl16 and Excl7, other general exclusions, and listed pre-existing permanent diseases including Sarcoidosis, Malignant Neoplasms, Epilepsy, heart ailments, stroke, inflammatory bowel disease, chronic liver/kidney disease, Hepatitis B, Alzheimer's/Parkinson's, demyelinating disease, hearing loss, psoriasis/lichen planus, and avascular necrosis","note":"The listed diseases are permanent exclusions only where they are pre-existing at the time of first proposal of this product.","quote":"Excl04 Investigation & Evaluation (Code:Excl04) ... Rest Cure, rehabilitation and respite care (Code:Excl05) ... Obesity/ Weight Control (Code:Excl06) ... Change-of-Gender treatments (Code:Excl07) ... Cosmetic or Plastic Surgery (Code:Excl08) ... Hazardous or Adventure sports (Code:Excl09) ... Breach of law (Code: Excl10) ... Excluded Providers (Code:Excl11) ... Drugs or treatments (Code: Excl12): Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. ... Wellness and Rejuvenation (Code:Excl13): Treatments received in heath hydros, nature cure clinics, spas or similar establishments ... Dietary Supplements & Substances (Code: Excl14): Dietary supplements and substances that can be purchased without prescription ... Refractive Error (Code: Excl15) : Expenses related to the treatment for correction of eye sight due to refractive error less than 7.5 dioptres ... Unproven Treatments-Code (Code: Excl16) :Expenses related to any unproven treatment, services and supplies ... Sterility and Infertility (Code: Excl7): Expenses related to sterility and infertility. ... Aggregate Deductible: Company is not liable for any payments unless the Medical Expenses exceeds the annual Aggregate Deductible for all Hospitalization expenses under this Policy ... Dental Treatments: Dental Treatments of any kind, unless requiring Hospitalisation due to an accident ... Experimental treatments: Any Unproven/ Experimental Treatments. ... External Congenital Anomaly: External Congenital Anomaly ... Medically Necessary Treatment: Any treatment or part of a treatment that is not Medically Necessary Treatment ... Non-medical expenses: Any non-medical expenses mentioned in Annexure II ... Outpatient treatment: Conditions for which treatment could have been done on an outpatient basis without any Hospitalisation. ... Overseas treatment: Any treatment taken by Insured Person availed outside India. ... Reasonable & Customary Charges: Any Medical Expenses which are not reasonable and Customary Charges. ... Self-injury or suicide: Any intentional self-inflicted Injury, suicide or attempted suicide. ... Treatment outside discipline: Treatment taken from anyone not falling within the scope of definition of Medical Practitioner or from a Medical Practitioner who is practicing outside the discipline for which he is licensed or any kind of self-medication ... War (whether declared or not) and war like occurrence or invasion, acts of foreign enemies, hostilities, civil war, rebellion, revolutions, insurrections, mutiny, military or usurped power, seizure, capture, arrest, restraints and detainment of all kinds. ... Wilful Act/Negligence: Wilful acts or wilful gross negligence of the Insured Person. ... Below mentioned Diseases are permanently excluded under the Policy in the case where such Diseases are Pre-Existing at the time of first proposal of this Product with the Company ... 1 | Sarcoidosis | D86.0-D86.9 ... 2 | Malignant Neoplasms | C00-C14 Malignant neoplasms of lip, oral cavity and pharynx ... 3 | Epilepsy | G40 Epilepsy ... 4 | Heart Ailment Congenital heart disease and valvular heart disease ... 5 | Cerebrovas cular disease (Stroke) | I67 Other cerebrovascular diseases, (I60-I69) Cerebrovascular diseases\n6 | Inflammatory | Inflammatory Bowel DiseasesK 50.0 to K 50.9 (including Crohn's and Ulcerative colitis) ... 7 | Chronic Liver diseases ... 8 | Pancreatic diseases ... 9 | Chronic Kidney disease ... 10 | Hepatitis B ... 11 | Alzheimer's | G30.9 - Alzheimer's disease, unspecified;\nDisease, | F00.9 - G30.9 Dementia in Alzheimer's disease, unspecified,\nParkinson's Disease | G20 - Parkinson's disease.\n12 | Demyelinating disease | G.35 to G 37\n13 | Loss of Hearing ... 14 | Papulosquamous disorder of the skin | L40 - L45 Papulosquamous disorder of the skin including psoriasis lichen planus\n15 | Avascular necrosis (osteonecrosis) | M 87 to M 87.9","sources":[{"clause":"Excl04","heading":"Investigation & Evaluation (Code:Excl04)","page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-excl04"},{"clause":"5","heading":"Rest Cure, rehabilitation and respite care (Code:Excl05)","page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-5-2"},{"clause":"6","heading":"Obesity/ Weight Control (Code:Excl06)","page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-6-3"},{"clause":"7","heading":"Change-of-Gender treatments (Code:Excl07)","page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-7-3"},{"clause":"8","heading":"Cosmetic or Plastic Surgery (Code:Excl08)","page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-8-3"},{"clause":"9","heading":"Hazardous or Adventure sports (Code:Excl09)","page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-9-3"},{"clause":"10","heading":"Breach of law (Code: Excl10)","page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-10-2"},{"clause":"11","heading":"Excluded Providers (Code:Excl11)","page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-11-2"},{"clause":"12","heading":"Drugs or treatments (Code","page":16,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-12-2"},{"clause":"13","heading":"Wellness and Rejuvenation","page":16,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-13-2"},{"clause":"14","heading":"Dietary Supplements & Substances (Code","page":16,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-14-2"},{"clause":"15","heading":"Refractive Error (Code","page":16,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-15-2"},{"clause":"16","heading":"Unproven Treatments-Code (Code","page":16,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-16-2"},{"clause":"17","heading":"Sterility and Infertility (Code","page":16,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-17-2"},{"clause":"18","heading":"Aggregate Deductible","page":16,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-18"},{"clause":"19","heading":"Dental Treatments","page":16,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-19-2"},{"clause":"20","heading":"Experimental treatments","page":16,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-20-2"},{"clause":"21","heading":"External Congenital Anomaly: External Congenital Anomaly","page":16,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-21-2"},{"clause":"22","heading":"Medically Necessary Treatment","page":16,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-22-2"},{"clause":"23","heading":"Non-medical expenses: Any non-medical expenses mentioned in Annexure II","page":16,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-23-2"},{"clause":"24","heading":"Outpatient treatment","page":16,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-24-2"},{"clause":"25","heading":"Overseas treatment","page":16,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-25-2"},{"clause":"26","heading":"Reasonable & Customary Charges","page":16,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-26-2"},{"clause":"27","heading":"Self-injury or suicide","page":16,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-27-2"},{"clause":"28","heading":"Treatment outside discipline","page":16,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-28"},{"clause":"29","heading":null,"page":16,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-29-2"},{"clause":"30","heading":"Wilful Act/Negligence","page":16,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-30-2"},{"clause":null,"heading":"4.2 PERMANENT EXCLUSIONS","page":16,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-4-2-permanent-exclusions"},{"clause":"Row 1","heading":"Sarcoidosis","page":17,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-row-1-3"},{"clause":"Row 2","heading":"Malignant Neoplasms","page":17,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-row-2-2"},{"clause":"Row 3","heading":"Epilepsy","page":17,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-row-3-2"},{"clause":"Row 4","heading":"Heart Ailment Congenital heart disease and valvular heart disease","page":17,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-row-4-2"},{"clause":"Row 2","heading":"Malignant Neoplasms","page":17,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-row-2-3"}],"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 by 15 days' written notice. If no claim has been made, the Company refunds premium for the unexpired period at short-period scales: up to 1 month 75.0%, up to 3 months 50.0%, up to 6 months 25.0%, and beyond 6 months 0.0%.","display":"15 days' notice; refund 75.0% up to 1 month, 50.0% up to 3 months, 25.0% up to 6 months, 0.0% beyond 6 months, if no claim","note":null,"quote":"The Policyholder may also give 15 days' 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%\nUpto 3 month | 50.0%\nUpto 6 month | 25.0%\nBeyond 6 Months | 0.0%","sources":[{"clause":null,"heading":"6. Cancellation/Termination (other than Free Look)","page":24,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-6-cancellation-termination-other-than-free-look"},{"clause":null,"heading":"Refund % to be applied on Policy Premium","page":24,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#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 and payments under the policy are made in Indian Rupees within India.","display":"Medical treatment taken within India; payments in Indian Rupees within 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.","sources":[{"clause":"5.5(b)(i)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-5-5-b-i"}],"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":"at least 15 days","note":"Applies at inception to new health insurance policies, not renewal policies, except policies with tenure of less than a year.","quote":"All new health insurance policies (not renewal policies) issued by the Company, except those with tenure of less thana year shall have a free look period. ... The insured will be allowed a period of at least 15 days from the 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":"11","heading":"Free Look Period","page":24,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-11-3"},{"clause":"11(a)","heading":null,"page":24,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-11-a-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":"Break in Insurance/Policy means the period of gap that occurs at the end of the existing Policy Period, when the premium due for renewal on a given Policy is not paid on or before the premium renewal date or within 30 days thereof.","sources":[{"clause":"13","heading":"Break in Insurance/Policy: Break in Insurance/Policy","page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-13"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"not-stated","value":null,"display":null,"note":"The wording states an eligible child age range, but does not state the youngest and oldest overall entry age for buying the policy.","quote":null,"sources":[],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"quote-verified","value":"Coverage is not available for the period for which no premium is received.","display":"No coverage for the period for which no premium is received","note":null,"quote":"Coverage is not available for the period for which no premium is received.","sources":[{"clause":"37","heading":"Grace Period: Grace Period","page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-37"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"Daily room limit, if any.","status":"not-stated","value":null,"display":null,"note":"Room Rent is listed among covered medical expense heads, but the wording does not print a separate daily room rent limit.","quote":null,"sources":[],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Childbirth cover and any waiting period.","status":"quote-verified","value":"Maternity Expenses on inpatient treatment are covered up to Rs. 1 lakh after 12 months from the inception of the first policy with the Company, in excess of the annual aggregate deductible. Payment is limited to maximum two deliveries or terminations or either during the lifetime of the insured person.","display":"Up to Rs. 1 lakh after 12 months; maximum two deliveries or terminations during lifetime","note":null,"quote":"The Company will indemnify the Policyholder/Insured Person up to Rs. 1 lakh for Maternity Expenses incurred on Inpatient Treatment during the Policy Period subject to the following:\ni. The Company will cover the Maternity Expenses in excess of annual Aggregate Deductible as specified under the Certificate of Insurance.\nii. This benefit shall become available only after the expiry of 12 months from the date of inception of the first Policy with the Company.\niii. The payment under this benefit is limited to maximum two deliveries or termination(s) or either, during the lifetime of the Insured Person.","sources":[{"clause":null,"heading":"3.3 BENEFIT-3: MATERNITY COVER","page":11,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-3-3-benefit-3-maternity-cover"}],"law":[]},{"key":"ped_cover_group","label":"Pre-existing diseases","section":"Waiting periods","meaning":"Whether pre-existing diseases are covered from day one for the group.","status":"quote-verified","value":"Pre-existing diseases are not covered from day one. Treatment of a PED and its direct complications is excluded until 24 months of continuous coverage after inception of the first policy with the insurer.","display":"Not day one; PED excluded until 24 months","note":null,"quote":"Expenses related to the treatment of a Pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the first Policy with Insurer","sources":[{"clause":"Excl01","heading":"Pre-Existing Disease (Code: Excl01)","page":13,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-excl01"}],"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 facility is available only at a Network Hospital. If authorised, the insured is not required to pay covered hospitalisation expenses within the authorised limit, and the TPA/Company directly settles eligible amounts with the Network Hospital.","display":"Available only at a Network Hospital; TPA/Company directly settles eligible amounts","note":null,"quote":"Cashless facility is available only at a Network Hospital. ... If the procedure above is followed and the Insured Person's request for Cashless facility is authorized, the Insured Person will not be required to pay for the Hospitalization Expenses which are covered under this Policy and fall within the Company's liability (within the authorized limit). ... the TPA/Company will directly settle all eligible amounts as per the Policy Terms & Conditions with the Network Hospital to the extent the Claim is covered under the Policy.","sources":[{"clause":"5.2(I)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-5-2-i"},{"clause":"5.2(I)(c)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-5-2-i-c"},{"clause":"5.2(I)(g)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-5-2-i-g"}],"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 are handled by the TPA/Company.","display":"TPA/Company","note":null,"quote":"the Insured Person, must notify to the TPA/Company either at the call centre or in writing immediately ... The Insured Person shall submit to the TPA/Company/ Network Hospital (as applicable) the following documents for or in support of the Claim:","sources":[{"clause":"5.1","heading":"CLAIM INTIMATION","page":19,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-5-1"},{"clause":"5.5","heading":"CLAIM DOCUMENTS","page":20,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-5-5"}],"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, for a Floater Policy the Sum Insured is for all Insured Persons put together","note":null,"quote":"For a Floater Policy, the amount specified as Sum Insured in the Certificate of Insurance which shall become part of the Sum Insured for all Insured Persons put together during the Policy Year.","sources":[{"clause":"74","heading":"Sum Insured: Sum Insured","page":6,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670#c-74"}],"law":[]}],"documents":[{"kind":"wording","label":"Group Mediclaim Policy Wordings For IndusInd Yes Plus Health Insurance","pages":25,"fetched_at":"2026-10-17 19:46:08+00","source_url":"https://www.indusindinsurance.com/downloads/group-mediclaim-policy-wordings-for-indusind-yes-plus-health-insurance","url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021/document/9670"}],"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":"Group Mediclaim For IndusInd Yes Plus Health Insurance (UIN RELHLGP21006V012021), IndiaInsurances, https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-for-indusind-yes-plus-health-insurance-relhlgp21006v012021"}