{"uin":"RQBHLGP26046V032526","name":"Group Loan Insurance","url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/group-loan-insurance-rqbhlgp26046v032526","insurer":{"slug":"raheja-qbe-general-insurance","name":"Raheja QBE General Insurance Co. Ltd.","url":"https://indiainsurances.com/insurer/raheja-qbe-general-insurance"},"line":"health","category":"group-health","category_name":"Group health","irdai_type":"Group","kind":"product","status":"active","approved_on":"2021-07-14","withdrawn_on":null,"summary":"Group Loan Insurance is a group benefit product with accidental death and critical illness covers, and optional covers including hospital daily cash and involuntary loss of job. It covers medical treatment in India only, with entry age from 18 years to below 65 years and policy period from 6 months to 5 years.","analysis":{"state":"machine","analysed_at":"2026-10-19 22:05:15.762111+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":["Silver - 05 Critical Illness","Gold - 13 Critical Illness","Gold Plus- 15 Critical Illness","Diamond - 20 Critical Illness","Platinum - 25 Critical Illness"],"display":"Silver - 05 Critical Illness; Gold - 13 Critical Illness; Gold Plus- 15 Critical Illness; Diamond - 20 Critical Illness; Platinum - 25 Critical Illness","note":"These named variants are for the Critical Illness benefit.","quote":"Critical Illnesses | Silver - 05 Critical Illness | Gold - 13 Critical Illness | Gold Plus- 15 Critical Illness | Diamond - 20 Critical Illness | Platinum - 25 Critical Illness","sources":[{"clause":"4","heading":"Covered Critical Illness: A “Critical Illness”","page":6,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/group-loan-insurance-rqbhlgp26046v032526/document/14708#c-4"}],"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":"Minimum 6 Months and maximum 5 Years. If the scope of cover includes Section 2 Critical Illness and/or Section 3 Hospital Daily Cash, the minimum tenure is 1 year.","display":"Minimum: 6 Months; Maximum: 5 Years; 1 year minimum if Critical Illness and/or Hospital Daily Cash is included","note":"Policy wording defines Policy Period by the Policy Schedule; the printed term limits are in the prospectus.","quote":"Minimum: 6 Months\nMaximum: 5 Years ... In case Scope of cover includes Section 2 - Critical Illness and/or Section 3 - Hospital Daily Cash minimum tenure of the policy will be 1 year.","sources":[{"clause":null,"heading":"B. Period of Insurance","page":1,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/group-loan-insurance-rqbhlgp26046v032526/document/14708#c-b-period-of-insurance"},{"clause":null,"heading":"C. Scope of Cover and Benefits","page":1,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/group-loan-insurance-rqbhlgp26046v032526/document/14708#c-c-scope-of-cover-and-benefits"}],"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 hospitalisation, notify the insurer within 48 hours of hospitalisation but not later than discharge. For diagnosis or actual undergoing of a procedure, notify within 10 days; intimation about any event that may give rise to a claim must be within 30 days, and written notice is required within 7 days or in any event no later than 30 days after an actual or potential loss begins.","display":"Hospitalisation: within 48 hours, not later than discharge; diagnosis/procedure: within 10 days; claim event: within 30 days; written notice within 7 days and no later than 30 days","note":"Section-specific claim clauses also state 30 days for Personal Accident, Critical Illness, Hospital Daily Cash and Loss of Job claims.","quote":"In case of Hospitalization, notify Us either at Our call center or in writing within 48 hours of the Hospitalization but not later than discharge from the Hospital.\n• In case of diagnosis or actual undergoing of procedure, notify Us either at the call center or in writing, within 10 days from the date of occurrence of such event. ... Intimation about an event or occurrence that may give rise to a claim under this Policy must be given within 30 days of its happening. ... written notice of claim must be given by You Us within seven (7) days after an actual or potential loss begins or as soon as reasonably possible and in any event no later than (30) Days after an actual or potential loss begins.","sources":[{"clause":null,"heading":"1. Claim Intimation","page":34,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/group-loan-insurance-rqbhlgp26046v032526/document/14710#c-1-claim-intimation"},{"clause":null,"heading":"2. Claim Notification","page":35,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/group-loan-insurance-rqbhlgp26046v032526/document/14710#c-2-claim-notification"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Duly completed claim form","Medical Practitioner’s Report","First Information Report and Final Police report, wherever necessary","Copy of Schedule/Certificate of Insurance","Death certificate, wherever applicable","Investigation Reports like Laboratory test, X-rays and reports essential of confirmation of the Injury etc.","Disability certificate from a Medical Practitioner or Hospital confirming the extent and nature of disability.","Loan Certificate/Amortization Schedule prepared by the Bank/ Financial Institution","Copy of Discharge Certificate/ Card from the hospital/ Medical Practitioner, if applicable","KYC (know your customer) documents","Identity proof","Age proof","NEFT/Bank Details","Certificate from the employer of the Insured Person confirming the termination, dismissal temporary suspension or retrenchment","Any other document as may be required by the Company."],"display":"Claim form, medical report/certificates, FIR/police report where applicable, policy schedule/certificate, death/postmortem/disability/discharge records, investigation reports and receipts, loan/amortization schedule, KYC/identity/age proof, NEFT/bank details, employer certificate for loss of job, and additional documents if required","note":"Documents differ by benefit section; the list combines the main documents required across Personal Accident, Critical Illness, Hospital Daily Cash and Involuntary Loss of Job claims.","quote":"1. Duly completed claim form;\n2. Medical Practitioner’s Report;\n3. First Information Report and Final Police report, wherever necessary;\n4. Copy of Schedule/Certificate of Insurance\n5. Death certificate, wherever applicable;\n6. Investigation Reports like Laboratory test, X-rays and reports essential of confirmation of the Injury etc.\n7. Disability certificate from a Medical Practitioner or Hospital confirming the extent and nature of disability. ... 11. Loan Certificate/Amortization Schedule prepared by the Bank/ Financial Institution at the time of disbursement of Loan showing details of the Loan/EMIs, Principal Outstanding, etc.,\n12. Identity proof ... Copy of Discharge Certificate/ Card from the hospital/ Medical Practitioner, if applicable; ... 11. KYC (know your customer) documents, if the claim is more than 1 (One) lakh\n12. Identity proof\n13. Age proof\n14. NEFT/Bank Details ... Certificate from the employer of the Insured Person confirming the termination, dismissal temporary suspension or retrenchment from employment of the Insured person ... Any other document as may be required by the Company.","sources":[{"clause":"1(c)(iv)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/group-loan-insurance-rqbhlgp26046v032526/document/14710#c-1-c-iv"},{"clause":null,"heading":"2.B. CLAIMS SETTLEMENT PROCESS (APPLICABLE TO SECTION. 2. CRITICAL","page":19,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/group-loan-insurance-rqbhlgp26046v032526/document/14710#c-2-b-claims-settlement-process-applicable-to-sect"},{"clause":"3","heading":"Certificate from the employer of the Insured Person confirming the termination, dismissal","page":26,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/group-loan-insurance-rqbhlgp26046v032526/document/14710#c-3-4"},{"clause":"5","heading":null,"page":26,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/group-loan-insurance-rqbhlgp26046v032526/document/14710#c-5-4"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The company shall settle or reject a claim within 15 days from receipt of the last necessary document. If investigation is warranted, it must complete investigation not later than 30 days from receipt of the last necessary document and settle the claim within 45 days; delay attracts interest at 2% above the bank rate.","display":"15 days from last necessary document; investigation cases settled within 45 days; delay interest at 2% above bank rate","note":null,"quote":"I. The Company shall settle or reject a claim, as may be the case, within 15 days from the date of receipt of last necessary document.\nII. In the case of delay in the payment of a claim, the Company shall be liable to pay interest from the date of receipt of last necessary document to the date of payment of claim at a rate 2% above the bank rate.\nIII. However, where the circumstances of a claim warrant an investigation in the opinion of the Company, it shall initiate and complete such investigation at the earliest, in any case not later than 30 days from the date of receipt of last necessary document. . In such cases, the Company shall settle the claim within 45 days from the date of receipt of last necessary document.","sources":[{"clause":null,"heading":"8. Claim Settlement (provision for Penal Interest)","page":36,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/group-loan-insurance-rqbhlgp26046v032526/document/14710#c-8-claim-settlement-provision-for-penal-interest"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Any claim with respect to any Critical Illness diagnosed prior to Policy start date or arising in the first 90 days of the Policy Period","Any Pre-existing Disease; Injury or any complication arising therefrom.","An initial waiting period of 30 days from the commencement of the Policy Period","Specified disease/procedure waiting period - Code- Excl02","Suicide or attempted suicide, intentional self-inflicted injury or acts of self destruction.","Death or disablement arising out of or attributable to foreign invasion, act of foreign enemies, hostilities, warlike operations","Death or disablement arising or resulting from the Insured Person committing any breach of law","Death or disablement arising from or caused due to use, abuse or a consequence or influence of an abuse of any substance, intoxicant, drug, alcohol or hallucinogen","Death or disablement caused by participation of the Insured Person in any flying activity","Insured Persons whilst engaging in a speed contest or racing of any kind","Congenital external diseases, defects or anomalies or in consequence thereof","Any Critical Illness caused by Medical treatment traceable to childbirth","Any Critical Illness caused by sterility and infertility.","Any Critical Illness caused by any unproven/ experimental treatment","No benefit shall be payable under this benefit in the event of termination, dismissal, temporary suspension or retrenchment from employment of the insured being attributed to any dishonesty or fraud or poor performance"],"display":"Main exclusions include the 90-day critical illness exclusion, PED exclusion, 30-day hospital cash sickness waiting period, specified disease/procedure waiting period, suicide/self-inflicted injury, war, breach of law, intoxicants, flying and adventure/racing activities, congenital external anomalies, childbirth-related critical illness, sterility/infertility, unproven treatment, and loss of job due to dishonesty/fraud/poor performance","note":"Exclusions vary by section; this list combines key waiting-period exclusions, standard exclusions and product-specific exclusions.","quote":"Any claim with respect to any Critical Illness diagnosed prior to Policy start date or arising in the first 90 days of the Policy Period\nc) Any Pre-existing Disease; Injury or any complication arising therefrom. ... Waiting Period - An initial waiting period of 30 days from the commencement of the Policy Period ... Specified disease/procedure waiting period - Code- Excl02 ... Suicide or attempted suicide, intentional self-inflicted injury or acts of self destruction. ... Death or disablement arising out of or attributable to foreign invasion, act of foreign enemies, hostilities, warlike operations ... Death or disablement arising or resulting from the Insured Person committing any breach of law ... Death or disablement arising from or caused due to use, abuse or a consequence or influence of an abuse of any substance, intoxicant, drug, alcohol or hallucinogen ... Death or disablement caused by participation of the Insured Person in any flying activity ... Insured Persons whilst engaging in a speed contest or racing of any kind ... Congenital external diseases, defects or anomalies or in consequence thereof ... Any Critical Illness caused by Medical treatment traceable to childbirth ... Any Critical Illness caused by sterility and infertility. ... Any Critical Illness caused by any unproven/ experimental treatment ... No benefit shall be payable under this benefit in the event of termination, dismissal, temporary suspension or retrenchment from employment of the insured being attributed to any dishonesty or fraud or poor performance","sources":[{"clause":null,"heading":"2.C. EXCLUSIONS (APPLICABLE TO SECTION.2. CRITICAL ILLNESS)","page":20,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/group-loan-insurance-rqbhlgp26046v032526/document/14710#c-2-c-exclusions-applicable-to-section-2-critical"},{"clause":null,"heading":"3.2.C. SPECIFIC CONDITIONS (APPLICABLE TO SECTION 3. HOSPITAL DAILY CASH)","page":24,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/group-loan-insurance-rqbhlgp26046v032526/document/14710#c-3-2-c-specific-conditions-applicable-to-section"},{"clause":"1(b)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/group-loan-insurance-rqbhlgp26046v032526/document/14710#c-1-b-2"},{"clause":"1(b)","heading":"Biological attack or weapons","page":10,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/group-loan-insurance-rqbhlgp26046v032526/document/14710#c-1-b-3"},{"clause":"25(c)(iv)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/group-loan-insurance-rqbhlgp26046v032526/document/14710#c-25-c-iv"},{"clause":"25(c)(v)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/group-loan-insurance-rqbhlgp26046v032526/document/14710#c-25-c-v"},{"clause":null,"heading":"4.1.C. EXCLUSIONS (APPLICABLE TO SECTION 4. INVOLUNTARY LOSS OF JOB)","page":26,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/group-loan-insurance-rqbhlgp26046v032526/document/14710#c-4-1-c-exclusions-applicable-to-section-4-involun"}],"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 Raheja QBE through its website, toll free number, e-mail, telephone, courier or a branch grievance cell. If not satisfied, contact the grievance officer at complaintsofficer@rahejaqbe.com before approaching IRDAI/Bima Bharosa or the Insurance Ombudsman.","display":"Contact Raheja QBE customer care/branch grievance cell first; if not satisfied, contact the grievance officer at complaintsofficer@rahejaqbe.com","note":null,"quote":"In case of any grievance the Insured Person may contact the company through\nWebsite: | www.rahejaqbe.com\nToll free: | 1800-102- 7723 (9 am to 8 pm, Monday to Saturday)\nE-mail: | customercare@rahejaqbe.com\nTelephone: 022 – 69155050 ... Insured person may also approach the grievance cell at any of the company’s branches with the details of grievance. If Insured person is not satisfied with the redressal of grievance through one of the above methods, insured person may contact the grievance officer at: ... Email: complaintsofficer@rahejaqbe.com Grievance may also be lodged at IRDAI Integrated Grievance Management System - https://bimabharosa.irdai.gov.in/ If Insured person is not satisfied with the redressal of grievance through above methods, the Insured Person may also approach the office of Insurance Ombudsman","sources":[{"clause":"G","heading":"REDRESSAL OF GRIEVANCE","page":37,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/group-loan-insurance-rqbhlgp26046v032526/document/14710#c-g"},{"clause":null,"heading":"RAHEJA QBE GENERAL INSURANCE COMPANY LIMITED","page":38,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/group-loan-insurance-rqbhlgp26046v032526/document/14710#c-raheja-qbe-general-insurance-company-limited"}],"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 defines Sum Insured as the pre-defined limit specified in the Policy Schedule/Certificate of Insurance, but no selectable cover amounts are 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 for Hospital Daily Cash sickness","note":"Critical Illness has a more than 90 days waiting period. Involuntary Loss of Job has an initial waiting period of 90 days.","quote":"Waiting Period - An initial waiting period of 30 days from the commencement of the Policy Period (or first Policy Period in case of renewal without break) is applicable for hospitalization due to Sickness only, under this Policy. ... Waiting Period: Insured event shall mean diagnosis of any Critical Illness (of the nature specified below) or Surgical Procedure, as specifically defined below and specified in Your Schedule/Certificate of Insurance, which first occur/commence / diagnosed after more than 90 days after the commencement of Policy Period. ... Waiting Period - An initial waiting period of 90 days after the commencement of the Policy Period (or first Policy Period in case of renewal without break).","sources":[{"clause":null,"heading":"3.2.C. SPECIFIC CONDITIONS (APPLICABLE TO SECTION 3. HOSPITAL DAILY CASH)","page":24,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/group-loan-insurance-rqbhlgp26046v032526/document/14710#c-3-2-c-specific-conditions-applicable-to-section"},{"clause":"2","heading":"Waiting Period: Insured event","page":12,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/group-loan-insurance-rqbhlgp26046v032526/document/14710#c-2-2"},{"clause":null,"heading":"4.1.D. SPECIFIC CONDITIONS (APPLICABLE TO SECTION 4. INVOLUNTARY LOSS OF","page":27,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/group-loan-insurance-rqbhlgp26046v032526/document/14710#c-4-1-d-specific-conditions-applicable-to-section"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"quote-verified","value":{"unit":"months","amount":36},"display":"36 months","note":"Coverage after 36 months is subject to the pre-existing disease being declared at application and accepted by the insurer.","quote":"Any Pre-existing Disease; Injury or any complication arising therefrom.\nPre-existing Disease means any condition, aliment, injury or disease / critical illness / disability:\n1. That is/are diagnosed by a physician within 36 months prior to the effective date of the policy issued by the insurer or its reinstatement; or\n2. For which medical advice or treatment was recommended by, or received from, a Physician within 36 months Prior to the effective date of the policy issued by the insurer or its reinstatement\n3. Coverage under the policy after the expiry of 36 months for any pre-existing disease is subject to the same being declared at the time of application and accepted by Insurer.","sources":[{"clause":null,"heading":"2.C. EXCLUSIONS (APPLICABLE TO SECTION.2. CRITICAL ILLNESS)","page":20,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/group-loan-insurance-rqbhlgp26046v032526/document/14710#c-2-c-exclusions-applicable-to-section-2-critical"}],"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; 36 months for listed joint replacement and osteoarthritis/osteoporosis","note":"The 24-month list applies to the specified diseases/procedures in the policy. 36 months applies for treatment for joint replacement unless arising from accident and age-related osteoarthritis and osteoporosis.","quote":"24 Months waiting period: ... 36 months waiting period applies for\n1. Treatment for joint replacement unless arising from accident.\n2. Age-related Osteoarthritis & Osteoporosis","sources":[{"clause":null,"heading":"3.2.C. SPECIFIC CONDITIONS (APPLICABLE TO SECTION 3. HOSPITAL DAILY CASH)","page":24,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/group-loan-insurance-rqbhlgp26046v032526/document/14710#c-3-2-c-specific-conditions-applicable-to-section"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"quote-verified","value":["Benign ENT disorders","Tonsillectomy","Adenoidectomy","Mastoidectomy","Tympanoplasty","Hysterectomy","All internal and external benign tumors, cysts, polyps of any kind, including benign breast lumps","Benign prostate hypertrophy","Cataract and age-related eye ailments","Gastric/ Duodenal Ulcer","Gout and Rheumatism","Hernia of all types","Hydrocele","Non-Infective Arthritis","Piles, Fissures and Fistula in anus","Pilonidal sinus, Sinusitis and related disorders","Prolapse inter Vertebral Disc and Spinal Diseases unless arising from accident","Calculi in urinary system, Gall Bladder and Bile duct, excluding malignancy.","Varicose Veins and Varicose Ulcers","Treatment for joint replacement unless arising from accident.","Age-related Osteoarthritis & Osteoporosis"],"display":"Benign ENT disorders, tonsillectomy, adenoidectomy, mastoidectomy, tympanoplasty, hysterectomy, benign tumours/cysts/polyps, benign prostate hypertrophy, cataract/age-related eye ailments, ulcers, gout/rheumatism, hernia, hydrocele, non-infective arthritis, piles/fissures/fistula, pilonidal sinus/sinusitis, spinal disc/diseases, urinary/gall bladder/bile duct calculi, varicose veins/ulcers, joint replacement, age-related osteoarthritis/osteoporosis","note":null,"quote":"24 Months waiting period:\n1. Benign ENT disorders\n2. Tonsillectomy\n3. Adenoidectomy\n4. Mastoidectomy\n5. Tympanoplasty\n6. Hysterectomy\n7. All internal and external benign tumors, cysts, polyps of any kind, including benign breast lumps\n8. Benign prostate hypertrophy\n9. Cataract and age-related eye ailments\n10. Gastric/ Duodenal Ulcer\n11. Gout and Rheumatism\n12. Hernia of all types\n13. Hydrocele\n14. Non-Infective Arthritis\n15. Piles, Fissures and Fistula in anus\n16. Pilonidal sinus, Sinusitis and related disorders\n17. Prolapse inter Vertebral Disc and Spinal Diseases unless arising from accident\n18. Calculi in urinary system, Gall Bladder and Bile duct, excluding malignancy.\n19. Varicose Veins and Varicose Ulcers\n36 months waiting period applies for\n1. Treatment for joint replacement unless arising from accident.\n2. Age-related Osteoarthritis & Osteoporosis","sources":[{"clause":null,"heading":"3.2.C. SPECIFIC CONDITIONS (APPLICABLE TO SECTION 3. HOSPITAL DAILY CASH)","page":24,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/group-loan-insurance-rqbhlgp26046v032526/document/14710#c-3-2-c-specific-conditions-applicable-to-section"}],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"quote-verified","value":{"unit":"months","amount":60},"display":"sixty continuous months","note":"For enhanced sum insured, sixty continuous months applies from the date of enhancement on the enhanced limits.","quote":"After completion of sixty continuous months of coverage (including portability and migration) in health insurance policy, no 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":"16","heading":"Moratorium Period","page":33,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/group-loan-insurance-rqbhlgp26046v032526/document/14710#c-16-4"}],"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 at least 45 days before, but not earlier than 60 days from, the premium due date. If continuously covered without lapses under a health insurance policy with an Indian General/Health insurer, accrued continuity benefits in waiting periods are available as per portability guidelines.","display":"Porting allowed; apply at least 45 days before but not earlier than 60 days from premium due date; accrued waiting-period continuity if continuously covered without lapses","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 premium due date of his/her existing policy as per extant 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 extant guidelines on portability.","sources":[{"clause":null,"heading":"2. Portability","page":34,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/group-loan-insurance-rqbhlgp26046v032526/document/14710#c-2-portability"}],"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 policy says it is ordinarily renewable, but it does not state lifelong renewal or renewal for life without a maximum age.","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":"quote-verified","value":"No loading applies on renewals based on individual claims experience.","display":"No loading on renewals based on individual claims experience","note":null,"quote":"No loading shall apply on renewals based on individual claims experience.","sources":[{"clause":null,"heading":"1. Renewal of Policy","page":33,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/group-loan-insurance-rqbhlgp26046v032526/document/14710#c-1-renewal-of-policy"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The insured may cancel by giving 7days’ written notice, and the company will refund proportionate premium for the unexpired policy period on a prorate basis where no claims are made. Full prepayment of the loan gets the same prorate refund if no claims are made; part prepayment gets no refund, and no refund is made where a claim has been admitted or lodged.","display":"7days’ written notice; prorate refund of unexpired premium if no claims are made; no refund for part loan prepayment or where any claim is admitted or lodged","note":null,"quote":"The Insured may cancel this Policy by giving 7days’ written notice, and in such an event, the Company shall refund proportionate premium for the unexpired policy period on prorate basis where no claims are made.\nii) In the event of full prepayment of the Loan by the Insured, We shall refund proportionate premium for the unexpired policy period on prorate basis where no claims are made.\niii) In event of part prepayment of the Loan, no refunds of premium shall be made under this Policy.\niv) No refunds of premium shall be made where any claim has been admitted by the Company or has been lodged with the Company.","sources":[{"clause":"8","heading":"Cancellation","page":31,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/group-loan-insurance-rqbhlgp26046v032526/document/14710#c-8-4"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"All medical treatment for this insurance must be taken in India only.","display":"India only for medical treatment","note":null,"quote":"All medical treatment for the purpose of this insurance will have to be taken in India only.","sources":[{"clause":null,"heading":"3. Territorial Limit","page":29,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/group-loan-insurance-rqbhlgp26046v032526/document/14710#c-3-territorial-limit"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"thirty days","note":"Applicable at inception of the policy and not on renewals or at the time of porting.","quote":"The insured shall be allowed a period of thirty days from date of receipt of the Policy, whether received electronically or otherwise, to review the terms and conditions of the Policy.","sources":[{"clause":"9","heading":"Free Look Period","page":31,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/group-loan-insurance-rqbhlgp26046v032526/document/14710#c-9-4"}],"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; 15 Days for Monthly instalment premium","note":"Monthly instalment premium has a 15 Days grace period; yearly, half yearly and quarterly have 30 days/30 Days.","quote":"Option | Instalment Premium Option | Grace Period\nOption 1 | Yearly | 30 days\nOption 2 | Half Yearly | 30 Days\nOption 3 | Quarterly | 30 Days\nOption 4 | Monthly | 15 Days","sources":[{"clause":"7","heading":"Premium Payment Options","page":30,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/group-loan-insurance-rqbhlgp26046v032526/document/14710#c-7-4"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"The insured person must have attained at least 18 years and must not have completed 65 years on the date of commencement of the policy period, unless it is renewal of policy.","display":"At least 18 years and not completed 65 years","note":null,"quote":"the Insured Person should have attained the age of at least 18 years and shall not have completed the age of 65 years on the date of commencement of the Policy Period as applicable to such Insured Person unless it is renewal of Policy.","sources":[{"clause":null,"heading":"5. Age Limit","page":28,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/group-loan-insurance-rqbhlgp26046v032526/document/14710#c-5-age-limit"}],"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":["Yearly","Half Yearly","Quarterly","Monthly"],"display":"Yearly, Half Yearly, Quarterly, Monthly","note":null,"quote":"Option | Instalment Premium Option | Grace Period\nOption 1 | Yearly | 30 days\nOption 2 | Half Yearly | 30 Days\nOption 3 | Quarterly | 30 Days\nOption 4 | Monthly | 15 Days","sources":[{"clause":"7","heading":"Premium Payment Options","page":30,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/group-loan-insurance-rqbhlgp26046v032526/document/14710#c-7-4"}],"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":["Permanent Total Disability (PTD)","Permanent Partial Disablement Benefit (PPD)","Child Education Benefit","Utility Bill (Addon Cover)","HOSPITAL DAILY CASH BENEFIT","INVOLUNTARY LOSS OF JOB"],"display":"Permanent Total Disability, Permanent Partial Disablement, Child Education Benefit, Utility Bill addon, Hospital Daily Cash Benefit, and Involuntary Loss of Job","note":"The wording states Hospital Daily Cash Benefit and Involuntary Loss of Job are on payment of additional premium. Utility Bill is described as an addon cover.","quote":"OPTIONAL ADD-ON BENEFITS UNDER SECTION 1 ... a) Permanent Total Disability (PTD) ... b) Permanent Partial Disablement Benefit (PPD) ... c) Child Education Benefit ... 2.E Utility Bill (Addon Cover) ... Section 3 HOSPITAL DAILY CASH BENEFIT ... on payment of additional premium as applicable ... Section 4 INVOLUNTARY LOSS OF JOB ... on payment of additional premium as applicable","sources":[{"clause":null,"heading":"OPTIONAL ADD-ON BENEFITS UNDER SECTION 1","page":6,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/group-loan-insurance-rqbhlgp26046v032526/document/14710#c-optional-add-on-benefits-under-section-1"},{"clause":"1(a)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/group-loan-insurance-rqbhlgp26046v032526/document/14710#c-1-a"},{"clause":"1(b)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/group-loan-insurance-rqbhlgp26046v032526/document/14710#c-1-b"},{"clause":"1(c)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/group-loan-insurance-rqbhlgp26046v032526/document/14710#c-1-c"},{"clause":null,"heading":"2.E Utility Bill (Addon Cover)","page":22,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/group-loan-insurance-rqbhlgp26046v032526/document/14710#c-2-e-utility-bill-addon-cover"},{"clause":"Section 3","heading":"HOSPITAL DAILY CASH BENEFIT","page":22,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/group-loan-insurance-rqbhlgp26046v032526/document/14710#c-section-3"},{"clause":"Section 4","heading":"INVOLUNTARY LOSS OF JOB","page":25,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/group-loan-insurance-rqbhlgp26046v032526/document/14710#c-section-4"}],"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 period for which no premium is received. However, the policy says coverage will be offered during the grace period if premium is paid in instalments during the policy period; payment terms say a claim during the relaxation period is not paid unless the instalment premium is paid within that period.","display":"No cover while premium is unpaid; for instalments, claim is payable only if the instalment premium is paid within the grace/relaxation period","note":null,"quote":"Coverage will not be available during the period for which no premium is received. ... Provided we shall offer coverage during the grace period, if the premium is paid in instalments during the policy period. ... If premium is payable in installments and not paid on or before the due date then We will not pay for any claim that occurs during the relaxation period unless the installment premium is paid by You within the relaxation period.","sources":[{"clause":"19","heading":"Grace period","page":3,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/group-loan-insurance-rqbhlgp26046v032526/document/14710#c-19"},{"clause":null,"heading":"6. Payment terms","page":35,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/group-loan-insurance-rqbhlgp26046v032526/document/14710#c-6-payment-terms"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"Daily room limit, if any.","status":"not-applicable","value":null,"display":null,"note":"This is a benefit product with fixed/lump-sum covers and Hospital Daily Cash, not an indemnity hospitalisation policy paying room rent bills.","quote":null,"sources":[],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Childbirth cover and any waiting period.","status":"quote-verified","value":"No maternity cover is stated. The Personal Accident and Critical Illness sections exclude childbirth-related death, disablement or critical illness, except ectopic pregnancy and miscarriages due to an accident.","display":"No maternity cover stated; childbirth-related PA/CI events excluded except ectopic pregnancy and accident miscarriages","note":"The Hospital Daily Cash section does not print a separate maternity benefit or maternity waiting period.","quote":"Death or disablement resulting caused by Medical treatment traceable to childbirth (including complicated deliveries and caesarean sections incurred during hospitalization) except ectopic pregnancy. Any death or disablement resulting due to miscarriages (unless due to an accident) and lawful medical termination of pregnancy during the policy period ... Any Critical Illness caused by Medical treatment traceable to childbirth (including complicated deliveries and caesarean sections incurred during hospitalization) except ectopic pregnancy. Any Critical Illness caused due to miscarriages (unless due to an accident) and lawful medical termination of pregnancy during the policy period.","sources":[{"clause":"1(b)","heading":"Biological attack or weapons","page":10,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/group-loan-insurance-rqbhlgp26046v032526/document/14710#c-1-b-3"},{"clause":"25(c)(iv)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/group-loan-insurance-rqbhlgp26046v032526/document/14710#c-25-c-iv"}],"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. Coverage after expiry of 36 months is subject to the disease being declared at application and accepted by the insurer.","display":"No day-one PED cover; 36 months, subject to declaration and acceptance","note":null,"quote":"Any Pre-existing Disease; Injury or any complication arising therefrom.\nPre-existing Disease means any condition, aliment, injury or disease / critical illness / disability:\n1. That is/are diagnosed by a physician within 36 months prior to the effective date of the policy issued by the insurer or its reinstatement; or\n2. For which medical advice or treatment was recommended by, or received from, a Physician within 36 months Prior to the effective date of the policy issued by the insurer or its reinstatement\n3. Coverage under the policy after the expiry of 36 months for any pre-existing disease is subject to the same being declared at the time of application and accepted by Insurer.","sources":[{"clause":null,"heading":"2.C. EXCLUSIONS (APPLICABLE TO SECTION.2. CRITICAL ILLNESS)","page":20,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/group-loan-insurance-rqbhlgp26046v032526/document/14710#c-2-c-exclusions-applicable-to-section-2-critical"}],"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":"The CIS refers to both cashless service and reimbursement. It gives TAT for preauthorization of cashless facility as 1 Hours, final bill authorization as 3 Hours, and network hospital details at the insurer's hospital-locator link.","display":"Cashless service referenced; preauthorization TAT 1 Hours, final bill authorization TAT 3 Hours; network hospitals via hospital-locator","note":"From the Customer Information Sheet; the policy wording mainly describes fixed benefit claim payment rather than a cashless hospital bill payment process.","quote":"Details of procedure to be followed for cashless service as well as for reimbursement of claim including pre and post hospitalization. Turn Around Time (TAT) for claims settlement: TAT for preauthorization of cashless facility: 1 Hours TAT for cashless final bill authorization: 3 Hours Network Hospital details: https://www.rahejaqbe.com/hospital-locator","sources":[{"clause":"Row 6(b)(iv)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/group-loan-insurance-rqbhlgp26046v032526/document/14667#c-row-6-b-iv"}],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"not-stated","value":null,"display":null,"note":"The documents mention claim intimation to the insurer or TPA in a definition, but do not name a TPA or state whether claims are handled by a TPA or by the insurer itself.","quote":null,"sources":[],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"quote-verified","value":false,"display":"No; Individual Sum Insured","note":null,"quote":"4 | Sum Insured | Individual Sum Insured","sources":[{"clause":"Row 4","heading":"Sum Insured","page":1,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/group-loan-insurance-rqbhlgp26046v032526/document/14667#c-row-4"}],"law":[]}],"documents":[{"kind":"wording","label":"Group Loan Insurance - Policy wording","pages":40,"fetched_at":"2026-10-17 19:59:05+00","source_url":"https://rahejaqbe.com/uploads/images/group-loan-insurance/pdf/download/group-loan-insurance-policy-wordings-V02.pdf","url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/group-loan-insurance-rqbhlgp26046v032526/document/14710"},{"kind":"wording","label":"Group Loan Insurance (IRDAI copy)","pages":61,"fetched_at":"2026-10-20 02:32:43+00","source_url":"https://irdai.gov.in/documents/37343/931203/RQBHLGP22113V012122_2021-2022.pdf/d5b82593-04f3-8833-ba68-1a65aecffd4f?version=1.3&t=1668767566920&download=true","url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/group-loan-insurance-rqbhlgp26046v032526/document/28711"},{"kind":"prospectus","label":"Group Loan Insurance - Prospectus","pages":31,"fetched_at":"2026-10-17 19:58:58+00","source_url":"https://rahejaqbe.com/uploads/images/group-loan-insurance/pdf/download/group-loan-insurance-prospectus-V02.pdf","url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/group-loan-insurance-rqbhlgp26046v032526/document/14708"},{"kind":"cis","label":"Group Loan Insurance - Customer information sheet","pages":16,"fetched_at":"2026-10-17 19:57:00+00","source_url":"https://rahejaqbe.com/uploads/images/group-loan-insurance/pdf/download/group-loan-insurance-cis-V02.pdf","url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/group-loan-insurance-rqbhlgp26046v032526/document/14667"}],"versions":[{"uin":"RQBHLGP22113V012122","version":null,"approved_on":null},{"uin":"RQBHLGP26046V032526","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Raheja QBE General Insurance official website","url":"https://www.rahejaqbe.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":"Claims","url":"https://rahejaqbe.com/claims","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://rahejaqbe.com/grievance-redressal","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Group Loan Insurance (UIN RQBHLGP26046V032526), IndiaInsurances, https://indiainsurances.com/policy/raheja-qbe-general-insurance/group-loan-insurance-rqbhlgp26046v032526"}