{"uin":"RELHLGP21161V012021","name":"Group Mediclaim Super Top Up Insurance Plan A","url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021","insurer":{"slug":"indusind-general-insurance","name":"IndusInd General Insurance Company Limited","url":"https://indiainsurances.com/insurer/indusind-general-insurance"},"line":"health","category":"health-topup","category_name":"Top-up and super top-up","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"This is a group health super top-up indemnity policy with Plan A and Plan B, paying covered hospital medical expenses only after an annual aggregate deductible is exceeded. It has a 30-day initial illness waiting period, 24/36-month pre-existing disease waiting period, 24-month specified disease waiting period, and cashless treatment at network hospitals.","analysis":{"state":"machine","analysed_at":"2026-10-19 20:54:37.589973+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Plan A","Plan B"],"display":"Plan A; Plan B","note":null,"quote":"1. Product name | INDUSIND GROUP MEDICLAIM SUPER TOPUP INSURANCE - Plan A ... 1. | Product Name | INDUSIND GROUP MEDICLAIM SUPER TOPUP INSURANCE - Plan B","sources":[{"clause":"Row 1","heading":"Product name","page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9797#c-row-1"},{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9810#c-s1"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"For planned hospitalization, intimate at least 48 hours before admission. For emergency hospitalization, intimate 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. ... Emergency Hospitalization, the Insured Person will intimate such admission within 24 hours of such admission.","sources":[{"clause":"6.1","heading":"Claim Intimation","page":16,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9747#c-6-1"}],"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 applicable","Any other document as required by the Company to assess the Claim"],"display":"Claim form, medical referral and prescriptions, original bills/receipts/discharge card, pharmacy bills, diagnostic reports and receipts, ambulance bill, FIR/final police report if applicable, post mortem report if applicable, and any other document required","note":"If originals were given to another insurer or reimbursement provider, verified photocopies attested by them plus a certificate of payment received are required.","quote":"i) Duly completed and signed Claim Form, in original ii) Medical Practitioner's referral letter advising Hospitalization iii) Medical Practitioner's prescription advising drugs / diagnostic tests / consultation iv) Original bills, receipts and discharge card from the Hospital/ Medical Practitioner v) Original bills from pharmacy / chemists vi) Original pathological / diagnostic test reports and payment receipts vii) Ambulance receipt and bill viii) First Information Report/ Final Police Report, if applicable ix) Post mortem report, if applicable x) Any other document as required by the Company to assess the Claim","sources":[{"clause":"6.5","heading":"Claim Documents","page":17,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9747#c-6-5"}],"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 or reject the claim within 30 days from receipt of the last necessary document. If investigation is required, it shall settle or reject within 45 days from receipt of the last necessary document.","display":"30 days from last necessary document; 45 days if investigation is required","note":null,"quote":"The Company shall settle the Claim within 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. ... In such cases, 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":"6.7(I)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9747#c-6-7-i"}],"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 (Code: Excl01)","Specified disease/procedure waiting period (Code: Excl02)","30 Days Waiting Period (Code: Excl03)","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)","Substance Abuse and Alcohol (Code: Excl12)","Unproven Treatments-Code (Code: Excl16)","Sterility and Infertility (Code: Excl17)","Overseas treatment: Any treatment taken by Insured Person availed outside India."],"display":"PED waiting period, specified disease/procedure waiting period, 30-day waiting period, and main exclusions including investigation/evaluation, rest cure, obesity surgery, change of gender, cosmetic surgery, hazardous sports, breach of law, excluded providers, substance abuse, unproven treatments, sterility/infertility and overseas treatment","note":null,"quote":"Pre-Existing Disease (Code: Excl01) ... Specified disease/procedure waiting period (Code: Excl02) ... 30 Days Waiting Period (Code: Excl03) ... Excl04 Investigation & Evaluation (Code: Excl04) ... Excl05 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) ... Substance Abuse and Alcohol (Code: Excl12) ... Unproven Treatments-Code (Code: Excl16) ... Sterility and Infertility (Code: Excl17) ... Overseas treatment: Any treatment taken by Insured Person availed outside India.","sources":[{"clause":"Section 4(i)","heading":"Pre-Existing Disease (Code","page":12,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9747#c-section-4-i"},{"clause":"Section 4(d)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9747#c-section-4-d"},{"clause":"Section 4(c)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9747#c-section-4-c-3"},{"clause":"Excl04","heading":"Investigation & Evaluation (Code: Excl04)","page":14,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9747#c-excl04"},{"clause":"Excl05","heading":"Rest Cure, rehabilitation and respite care (Code: Excl05)","page":14,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9747#c-excl05"},{"clause":"Excl06","heading":"Obesity/ Weight Control (Code","page":14,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9747#c-excl06"},{"clause":"Excl07","heading":"Change-of-Gender treatments (Code","page":14,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9747#c-excl07"},{"clause":"Excl08","heading":"Cosmetic or Plastic Surgery (Code","page":14,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9747#c-excl08"},{"clause":"6","heading":"Hazardous or Adventure sports","page":14,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9747#c-6-2"},{"clause":"7","heading":"Breach of law (Code","page":14,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9747#c-7-2"},{"clause":"8","heading":"Excluded Providers (Code","page":14,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9747#c-8-2"},{"clause":"9","heading":"Substance Abuse and Alcohol (Code","page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9747#c-9-2"},{"clause":"13","heading":"Unproven Treatments-Code (Code","page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9747#c-13-2"},{"clause":"14","heading":"Sterility and Infertility (Code","page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9747#c-14-2"},{"clause":"22","heading":"Overseas treatment","page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9747#c-22-2"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact the Company through its website, senior citizen helpline, email, fax, courier, branch office or correspondence unit. If not satisfied, contact the Grievance Redressal Officer before approaching the Insurance Ombudsman or IRDAI system.","display":"Company channels first; then Grievance Redressal Officer; then Insurance Ombudsman/IRDAI","note":null,"quote":"In case of any grievance the Insured Person may contact the Company through Website: www.indusindinsurance.com Dedicated Senior Citizen helpline: 022-33834185 (paid line) E-mail: services@indusindinsurance.com Fax:+91 22 3303 4662 Courier: Any branch office, the correspondence address, during normal business hours. ... If Insured Person is not satisfied with the redressal of grievance through one of the above methods, Insured Person may contact the grievance officer at: Grievance Redressal Officer","sources":[{"clause":"32","heading":"Redressal of Grievances","page":23,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9747#c-32-2"}],"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 refers to the Sum Insured in the Certificate of Insurance/Policy Schedule and to selected combinations, but does not list all sum insured options.","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":null,"quote":"Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an Accident, provided the same are covered.","sources":[{"clause":"Section 4(a)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9747#c-section-4-a-4"}],"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":"24/36 months","note":"The waiting period is 24 or 36 months as specified in the Policy Schedule; value uses the shorter printed period.","quote":"Expenses related to the treatment of a Pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 24/36 months (as specified in Policy Schedule)of continuous coverage after the date of inception of the first Policy with Insurer","sources":[{"clause":"Section 4(a)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9747#c-section-4-a"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"quote-verified","value":{"unit":"months","amount":24},"display":"24 months","note":null,"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.","sources":[{"clause":"Section 4(a)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9747#c-section-4-a-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"quote-verified","value":{"unit":"years","amount":8},"display":"Plan A: 8 years; Plan B: 60 months","note":"Plan A wording says eight continuous years. Plan B wording says sixty continuous months including portability and migration, with contestability except established fraud.","quote":"After completion of eight continuous years under the Policy no look back to be applied. This period of eight years is called as Moratorium Period. ... 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":"4","heading":"Moratorium Period","page":19,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9747#c-4-2"},{"clause":"3","heading":"Moratorium Period","page":17,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9770#c-3-14"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"quote-verified","value":"The insured person can port the policy to other insurers by applying to the other insurer 45 to 60 days before renewal, and gets accrued continuity benefits in waiting periods as per IRDAI portability guidelines if continuously covered without lapses.","display":"Yes, with waiting-period continuity credit under IRDAI portability guidelines","note":null,"quote":"The Insured Person will have the option to port the Policy to other insurers by applying to such insurer to port the entire Policy along with all the members of the family, if any, at least 45 days before, but not earlier than 60 days from the Policy renewal date as per lRDAl guidelines related to portability. If such person is presently covered and has been continuously covered without any lapses under any health insurance policy with an Indian General/Health insurer, the proposed Insured Person will get the accrued continuity benefits in Waiting Periods as per lRDAl guidelines on portability.","sources":[{"clause":"18","heading":"Portability","page":21,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9747#c-18-3"}],"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 renewability","note":"The CIS says lifelong renewability; Plan A wording qualifies renewal of a certificate as allowed only while the Master Policy is in force.","quote":"b. Lifelong renewability (except on certain specific grounds) ... Renewal of Certificate of Insurance shall be allowed only as long as the Master Policy is in force, and such renewal shall be in line with agreed terms of renewal of the Master Policy.","sources":[{"clause":"2","heading":null,"page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9797#c-2"},{"clause":"14","heading":"Renewal of Policy","page":21,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9747#c-14-3"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"quote-verified","value":"No loading shall apply on renewals based on individual claims experience.","display":"No claim-based renewal loading","note":"This wording is in Plan A renewal terms.","quote":"No loading shall apply on renewals based on individual claims experience.","sources":[{"clause":"14","heading":"Renewal of Policy","page":21,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9747#c-14-3"}],"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":["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)","Substance Abuse and Alcohol (Code: Excl12)","Wellness and Rejuvenation (Code: Excl13)","Dietary Supplements & Substances (Code: Excl14)","Refractive Error (Code: Excl15)","Unproven Treatments-Code (Code: Excl16)","Sterility and Infertility (Code: Excl17)","Aggregate Deductible","Dental Treatments","External Congenital Anomaly","Treatment other than Medically Necessary Treatment","Non-medical expenses","Overseas treatment","War","Wilful Act/Negligence","Pre-Existing medical or physical condition or treatment of an Insured Person, if such exclusion is accepted by the Proposer and specifically mentioned in the Policy Schedule"],"display":"Excl04 to Excl17, aggregate deductible, dental treatments, external congenital anomaly, non-medical expenses, overseas treatment, war, wilful negligence, and any accepted schedule-specific permanent exclusion","note":null,"quote":"Excl04 Investigation & Evaluation (Code: Excl04) ... Excl05 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) ... Substance Abuse and Alcohol (Code: Excl12) ... Wellness and Rejuvenation (Code: Excl13) ... Dietary Supplements & Substances (Code: Excl14) ... Refractive Error (Code: Excl15) ... Unproven Treatments-Code (Code: Excl16) ... Sterility and Infertility (Code: Excl17) ... Aggregate Deductible: Company is not liable for any payments under this Policy unless the Medical Expenses incurred during the Policy Period exceeds the Aggregate Deductible. ... Dental Treatments: Dental Treatments of any kind, unless requiring Hospitalisation due to an Accident. ... External Congenital Anomaly: External Congenital Anomaly ... Treatment other than 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 A. ... Overseas treatment: Any treatment taken by Insured Person availed outside India. ... 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. ... A permanent exclusion will be applied on Pre-Existing medical or physical condition or treatment of an Insured Person, if such exclusion is accepted by the Proposer and specifically mentioned in the Policy Schedule.","sources":[{"clause":"Excl04","heading":"Investigation & Evaluation (Code: Excl04)","page":14,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9747#c-excl04"},{"clause":"Excl05","heading":"Rest Cure, rehabilitation and respite care (Code: Excl05)","page":14,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9747#c-excl05"},{"clause":"Excl06","heading":"Obesity/ Weight Control (Code","page":14,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9747#c-excl06"},{"clause":"Excl07","heading":"Change-of-Gender treatments (Code","page":14,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9747#c-excl07"},{"clause":"Excl08","heading":"Cosmetic or Plastic Surgery (Code","page":14,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9747#c-excl08"},{"clause":"6","heading":"Hazardous or Adventure sports","page":14,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9747#c-6-2"},{"clause":"7","heading":"Breach of law (Code","page":14,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9747#c-7-2"},{"clause":"8","heading":"Excluded Providers (Code","page":14,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9747#c-8-2"},{"clause":"9","heading":"Substance Abuse and Alcohol (Code","page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9747#c-9-2"},{"clause":"10","heading":"Wellness and Rejuvenation (Code","page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9747#c-10-2"},{"clause":"11","heading":"Dietary Supplements & Substances (Code","page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9747#c-11-2"},{"clause":"12","heading":"Refractive Error (Code","page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9747#c-12-2"},{"clause":"13","heading":"Unproven Treatments-Code (Code","page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9747#c-13-2"},{"clause":"14","heading":"Sterility and Infertility (Code","page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9747#c-14-2"},{"clause":"15","heading":"Aggregate Deductible","page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9747#c-15-2"},{"clause":"16","heading":"Dental Treatments","page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9747#c-16-2"},{"clause":"17","heading":"External Congenital Anomaly: External Congenital Anomaly","page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9747#c-17-2"},{"clause":"18","heading":"Treatment other than Medically Necessary Treatment","page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9747#c-18-2"},{"clause":"19","heading":"Non-medical expenses","page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9747#c-19-2"},{"clause":"22","heading":"Overseas treatment","page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9747#c-22-2"},{"clause":"26","heading":null,"page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9747#c-26-2"},{"clause":"27","heading":"Wilful Act/Negligence","page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9747#c-27-2"},{"clause":null,"heading":"5.2 Permanent Exclusions","page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9747#c-5-2-permanent-exclusions"}],"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":"Plan A: the policyholder may cancel the Certificate of Insurance by giving 15 days' written notice; refund is 75.0% up to 1 month, 50.0% up to 3 months, 25.0% up to 3 months as printed, and 0% beyond 6 months. No refund is made if any claim has been admitted, lodged, or any benefit availed.","display":"Plan A: 15 days' notice; 75.0% up to 1 month, 50.0% up to 3 months, 25.0% up to 3 months, 0% beyond 6 months; no refund if claim admitted/lodged/benefit availed","note":"Plan B uses a different cancellation basis: 7 days' written notice and pro-rata refund if there is no claim.","quote":"The Policyholder may cancel this Certificate of Insurance by giving 15days’ written notice and in such an event, the Company shall refund premium for the unexpired policy period as detailed below. ... Upto 1 Month | 75.0% ... Upto 3 Months | 50.0% ... Upto 3 Months | 25.0% ... Beyond 6 Months | 0% ... no refunds of premium shall be made in respect of Cancellation where, any claim has been admitted or has been lodged or any benefit has been availed by the Insured Person under the Certificate of Insurance.","sources":[{"clause":"26(a)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9747#c-26-a"}],"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 are made in Indian Rupees within India.","display":"India only","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":"6.7(I)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9747#c-6-7-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":"conflicting","value":{"unit":"days","amount":30},"display":"30 days","note":"Policy wording says thirty days. CIS says: 'Free Look period of 15 days from the date of receipt of the first policy shall be available.'","quote":"The Insured Person shall be allowed free look period of thirty days from date of receipt of the policy document to review the terms and conditions of the Policy, and to return the same if not acceptable. ... Free Look period of 15 days from the date of receipt of the first policy shall be available.","sources":[{"clause":"31","heading":"Free Look Period","page":23,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9747#c-31-2"},{"clause":"2","heading":null,"page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9797#c-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":"Plan A: 30 days","note":"Plan B says fifteen days for monthly premium payment mode and thirty days in all other cases.","quote":"At the end of the Policy Period, the Policy shall terminate and can be renewed within the Grace Period of 30 days to maintain continuity of benefits without break in policy. ... The grace period for payment of the premium for all types of insurance policies shall be: fifteen days where premium payment mode is monthly and thirty days in all other cases.","sources":[{"clause":"14","heading":"Renewal of Policy","page":21,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9747#c-14-3"},{"clause":"14(e)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9770#c-14-e"}],"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 defines eligible family members and dependent children, but does not state the youngest and oldest 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":"quote-verified","value":["monthly","quarterly","halfyearly"],"display":"Plan B: monthly, quarterly, halfyearly","note":"Plan B states these instalment modes. Plan A premium payment modes are not stated.","quote":"If the Policyholder/ Insured Person has opted for Payment of Premium on an instalment basis i.e. monthly, quarterly, halfyearly as mentioned in the Policy Schedule/Certificate of Insurance","sources":[{"clause":"7","heading":"Premium Payment in Instalments (wherever applicable)","page":17,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9770#c-7-3"}],"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":"quote-verified","value":["Accidental Death","Permanent Total Disability","Permanent Partial Disability","Burns and Broken Bones","Waiver of Waiting Period for Pre- Existing Disease","Waiver of Waiting Period for Specified disease/procedure","Waiver of 30 days Waiting Period","Waiver of Waiting Period for Maternity Cover","Room Rent Limit","Change in Pre and Post Hospitalization limit"],"display":"Plan A: personal accident optional covers; Plan B: waiting-period waivers, room rent limit, and change in pre/post-hospitalisation limit","note":"Plan A optional covers are Personal Accident benefits. Plan B optional covers are waiting-period waivers, room-rent limits and changed pre/post-hospitalisation periods.","quote":"The covers listed below are Optional Personal Accident covers ... 8. Accidental Death ... 9. Permanent Total Disability ... 10.Permanent Partial ... 11.Burns and Broken Bones ... 1. Waiver of Waiting | This Cover waives off the Pre- Existing Disease Waiting Period Within the Sum Insured subject Period for Pre- | Condition. ... 2. Waiver of Waiting | This Cover waives off the Waiting Period Condition for ... 3. Waiver of 30 days | This Cover waives off the Initial 30 Days Waiting Period ... 4. Waiver of Waiting | This Cover waives off the Maternity Cover Waiting Period ... 5. Room Rent Limit | This cover allows the Policyholder to apply sublimit to ICU and ... 6. Change in Pre and | This cover provides an option to change the Pre and Post","sources":[{"clause":"3.8","heading":"Benefit-8: Personal Accident","page":9,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9747#c-3-8"},{"clause":null,"heading":"Optional Covers (Personal Accident)**","page":24,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9747#c-optional-covers-personal-accident"},{"clause":null,"heading":"Optional Covers","page":22,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9770#c-optional-covers"}],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"quote-verified","value":"Coverage is not available during the grace period for Plan A. Plan B also says coverage is not available during the grace period, except in case where the premium is paid in instalment.","display":"No cover during grace period; Plan B notes an instalment-premium exception","note":"For Plan B instalment premium, the instalment clause separately says coverage will not be available from the due date of instalment premium till receipt of premium.","quote":"Coverage is not available during the Grace Period. ... Coverage is not available during the grace period, except in case where the premium is paid in instalment.","sources":[{"clause":"14","heading":"Renewal of Policy","page":21,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9747#c-14-3"},{"clause":"14(f)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9770#c-14-f"}],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"The amount (per claim or per year) that must be crossed before this policy pays. Your base policy or you pay this part.","status":"quote-verified","value":"The policy has an annual aggregate deductible. A claim becomes payable only when the sum of all admissible claims in a policy period exceeds the Aggregate Deductible stated in the Certificate of Insurance or Policy Schedule.","display":"Annual aggregate deductible as stated in the Certificate of Insurance/Policy Schedule","note":"The documents provided do not list the deductible amount options.","quote":"Deductible under this Policy is Aggregate Deductible. For a claim to become payable, the sum of all admissible claims under the Policy, subject to Policy terms and conditions, in a given Policy Period has to exceed the Aggregate Deductible as mentioned in the Certificate of Insurance.","sources":[{"clause":"27","heading":"Deductible","page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9747#c-27"}],"law":[]},{"key":"deductible_basis","label":"Per claim or aggregate","section":"Limits and co-pay","meaning":"Top-up: deductible applies to each claim. Super top-up: to the total of all claims in the year.","status":"quote-verified","value":"aggregate","display":"Aggregate","note":null,"quote":"Deductible under this Policy is Aggregate Deductible. For a claim to become payable, the sum of all admissible claims under the Policy, subject to Policy terms and conditions, in a given Policy Period has to exceed the Aggregate Deductible as mentioned in the Certificate of Insurance.","sources":[{"clause":"27","heading":"Deductible","page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9747#c-27"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"Daily room limit, if any.","status":"quote-verified","value":"Plan B can have ICU and non-ICU room rent sublimits if requested by the policyholder and explicitly accepted by the company; the agreed limits are stated in the Policy Schedule. No rupee or daily room rent limit is listed in the provided wording.","display":"Plan B optional sublimit if requested; amount not stated","note":"This is an optional Plan B feature. Plan A wording does not state a daily room rent amount.","quote":"The Room Rent for both ICU and non-ICU hospitalizations allowable under Section 3A of this Policy shall be subject to sublimit (expressed as a Percentage of Sum Insured and Rupee limit, or as a category of room), if so requested by the Policyholder and explicitly accepted by the Company. Where such sublimit is applied, the agreed limits shall be expressly stated in the Policy Schedule.","sources":[{"clause":"3.12","heading":"Benefit-12: Room Rent Limits","page":9,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9770#c-3-12"}],"law":[]},{"key":"copay","label":"Co-payment","section":"Limits and co-pay","meaning":"Share of each admissible claim you pay.","status":"not-stated","value":null,"display":null,"note":"The wording defines co-payment and refers to co-payment if applicable, but does not state any co-payment percentage for this product.","quote":null,"sources":[],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"quote-verified","value":"Cashless facility is available only at a Network Hospital. If authorised, the insured need not pay covered hospitalisation expenses within the authorised limit, and the TPA/Company directly settles eligible amounts with the Network Hospital.","display":"Available only at Network Hospitals, subject to pre-authorisation","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":"6.2","heading":"Claim Procedure","page":16,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9747#c-6-2-2"},{"clause":"6.2(c)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9747#c-6-2-c"},{"clause":"6.2(g)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9747#c-6-2-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":"6.1","heading":"Claim Intimation","page":16,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9747#c-6-1"},{"clause":"6.5","heading":"Claim Documents","page":17,"url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9747#c-6-5"}],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Group Mediclaim Super Top Up Insurance Plan A PW","pages":37,"fetched_at":"2026-10-17 19:48:19+00","source_url":"https://www.indusindinsurance.com/downloads/group-mediclaim-super-top-up-insurance-plan-a-pw","url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9747"},{"kind":"wording","label":"IndusInd Group Mediclaim Super Topup Policy Wordings PlanB","pages":29,"fetched_at":"2026-10-17 19:49:01+00","source_url":"https://www.indusindinsurance.com/downloads/indusind-group-mediclaim-super-topup-policy-wordings-planb","url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9770"},{"kind":"cis","label":"IndusInd Groupmediclaim Super Topup Insurance Plan A CIS","pages":5,"fetched_at":"2026-10-17 19:49:49+00","source_url":"https://www.indusindinsurance.com/downloads/indusind-groupmediclaim-super-topup-insurance-plan-a-cis","url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9797"},{"kind":"cis","label":"IndusInd Group Mediclaim Super Top Up CIS Plan B","pages":7,"fetched_at":"2026-10-17 19:50:07+00","source_url":"https://www.indusindinsurance.com/downloads/indusind-group-mediclaim-super-top-up-cis-plan-b","url":"https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021/document/9810"}],"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 Super Top Up Insurance Plan A (UIN RELHLGP21161V012021), IndiaInsurances, https://indiainsurances.com/policy/indusind-general-insurance/group-mediclaim-super-top-up-insurance-plan-a-relhlgp21161v012021"}