{"uin":"SBIHLGP27035V012627","name":"SBI General Arogya Gold- Group","url":"https://indiainsurances.com/policy/sbi-general-insurance/sbi-general-arogya-gold-group-sbihlgp27035v012627","insurer":{"slug":"sbi-general-insurance","name":"SBI General Insurance Company Limited","url":"https://indiainsurances.com/insurer/sbi-general-insurance"},"line":"health","category":"health-indemnity","category_name":"Health insurance (hospitalisation)","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"SBI General Arogya Gold- Group is a group health product with optional hospitalization, personal accident and cancer care sections. The hospitalization section can be individual or floater, has policy terms from 1 year to 5 years, and uses schedule-based limits for many benefits.","analysis":{"state":"machine","analysed_at":"2026-10-19 23:01:18.21706+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":["Cancer","Cancer + Cardiac"],"display":"Cancer; Cancer + Cardiac","note":"These are the named plan options printed for Section 3 Cancer Care; the documents also say sections and covers are optional.","quote":"This Section offer 2 sets of Plans. If this section is opted, then it is mandatory to opt either Cancer or Cancer + Cardiac under the Policy subject to terms and conditions specified in this Policy.","sources":[{"clause":"Section 3","heading":"Cancer Care","page":16,"url":"https://indiainsurances.com/policy/sbi-general-insurance/sbi-general-arogya-gold-group-sbihlgp27035v012627/document/15072#c-section-3"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"1 Year, 2 Years, 3 Years, 4 Years and 5 Years.","display":"1 Year, 2 Years, 3 Years, 4 Years and 5 Years","note":"From the prospectus eligibility table.","quote":"Policy Term | 1 Year, 2 Years, 3 Years, 4 Years and 5 Years","sources":[{"clause":null,"heading":"B. Age Criteria and Eligibility","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/sbi-general-arogya-gold-group-sbihlgp27035v012627/document/15052#c-b-age-criteria-and-eligibility"}],"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 cashless hospitalization, intimate within 24 hours of emergency hospitalization and at least 72 hours before planned hospitalization. For reimbursement claims, intimate within 48 hours of admission or before discharge, whichever is earlier.","display":"Cashless: within 24 hours for emergency and at least 72 hours before planned hospitalization; reimbursement: within 48 hours of admission or before discharge, whichever is earlier","note":"Cancer Care also says written intimation should be given within 30 days of incidence of listed illness.","quote":"Claim Intimation timelines | Within 24 hours of the Emergency Hospitalization At least 72 hours prior to the planned Hospitalization | Within 48 hours of admission or before discharge from the Hospital, whichever is earlier","sources":[{"clause":null,"heading":"6.3(f). Conditions when a Claim arises","page":26,"url":"https://indiainsurances.com/policy/sbi-general-insurance/sbi-general-arogya-gold-group-sbihlgp27035v012627/document/15072#c-6-3-f-conditions-when-a-claim-arises"}],"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 fliled and signed Claim form","Medical Practitioner’s referral letter advising Hospitalization","Certifei d copy of Hospital Discharge Summary","Certifei d copy of fni al Hospital bill, pharmacy bills, Investigation labs bills","All original reports of Investigations done","Ambulance/Cab receipt/ bill","Pre and Post consultation bills","First Information Report/ Final Police Report, if applicable","Postmortem report, if available","Self-attested Copy of PAN card & Aadhar card, photo id & address Proof of the Nominee/ benefci iary","Beneficiary bank account / NEFT details","Certified copy of Death certificate issued by municipal authority (in case of death of insured)"],"display":"Claim form, hospitalization referral letter, discharge summary, final hospital/pharmacy/lab bills, investigation reports, ambulance/cab bills, pre and post consultation bills, FIR/police report if applicable, postmortem report if available, KYC/address proof, bank details, and death certificate where applicable","note":"Other covers have additional documents listed in the same claims table.","quote":"Hospitalization Cover | In-Patient Care | 1. Duly fliled and signed Claim form 2. Medical Practitioner’s referral letter advising Hospitalization 3. Certifei d copy of Hospital Discharge Summary 4. Certifei d copy of fni al Hospital bill, pharmacy bills, Investigation labs bills 5. All original reports of Investigations done 6. Ambulance/Cab receipt/ bill 7. Pre and Post consultation bills 8. First Information Report/ Final Police Report, if applicable 9. Postmortem report, if available 10. Self-attested Copy of PAN card & Aadhar card, photo id & address Proof of the Nominee/ benefci iary","sources":[{"clause":null,"heading":"6.3(g). List of Documents for Claims:-","page":27,"url":"https://indiainsurances.com/policy/sbi-general-insurance/sbi-general-arogya-gold-group-sbihlgp27035v012627/document/15072#c-6-3-g-list-of-documents-for-claims"}],"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 says it shall settle or reject a claim within 15 days from receipt of claim intimation. If not settled within the specified timelines, interest at bank rate plus 2 percent is payable from receipt of intimation until payment.","display":"Within 15 days from receipt of claim intimation; interest at bank rate plus 2 percent for delay","note":null,"quote":"The Company shall settle or reject a claim, as the case may be, within 15 days from the date of receipt of claim intimation. ... the claimant is entitled for interest at bank rate plus 2 percent from the date of receipt of intimation to till the date of payment.","sources":[{"clause":null,"heading":"6.3 Condition when a Claim arises","page":25,"url":"https://indiainsurances.com/policy/sbi-general-insurance/sbi-general-arogya-gold-group-sbihlgp27035v012627/document/15072#c-6-3-condition-when-a-claim-arises"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First register the grievance directly with SBI General by writing to head.customercare@sbigeneral.in or gro@sbigeneral.in, or by calling 1800 102 1111. The final response is to be conveyed within 14 days from receipt of the complaint, before escalation to the Insurance Ombudsman.","display":"Write to head.customercare@sbigeneral.in or gro@sbigeneral.in, or call 1800 102 1111; final response within 14 days","note":null,"quote":"Stage 1: Bima Bharosa If you wish to register your grievances directly with Us, you may write to Us at head.customercare@sbigeneral.in or gro@sbigeneral.in or call our toll free number-1800 102 1111. After examining the matter, final response would be conveyed within a period of 14 days from the date of receipt of your complaint.","sources":[{"clause":"18(a)(ii)","heading":null,"page":32,"url":"https://indiainsurances.com/policy/sbi-general-insurance/sbi-general-arogya-gold-group-sbihlgp27035v012627/document/15072#c-18-a-ii"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"quote-verified","value":"Section 1 Hospitalization Cover sum insured options are 50,000, 1 lac to 5 lacs in multiples of 1 lac, and 5 lacs to 100 lacs in multiples of 5 lacs.","display":"Hospitalization Cover: 50,000/1 lac to 5 lacs in multiples of 1 lac; 5 lacs to 100 lacs in multiples of 5 lacs","note":"From the prospectus; personal accident and cancer care have separate sum insured options.","quote":"Section 1 Hospitalization Cover- 50,000/1 lac to 5 lacs (in multiples of 1 lac), 5 lacs to 100 lacs (in multiples of 5 lacs).","sources":[{"clause":null,"heading":"C. Sum Insured","page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/sbi-general-arogya-gold-group-sbihlgp27035v012627/document/15052#c-c-sum-insured"}],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Cancer Care has a separate opted waiting period.","quote":"Expenses related to the treatment of any Illness within 30 days and the number of days as opted and specified in the Policy Schedule/Certificate of Insurance for Cancer Care Cover from the first Policy commencement date shall be excluded except claims arising due to an Accident, provided the same are covered.","sources":[{"clause":"Excl03","heading":"Initial Waiting Period- Code- Excl03","page":20,"url":"https://indiainsurances.com/policy/sbi-general-insurance/sbi-general-arogya-gold-group-sbihlgp27035v012627/document/15072#c-excl03"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"quote-verified","value":{"unit":"months","amount":12},"display":"12/24/36 months","note":"The CIS gives 12/24/36 months as variants; the policy wording says the number of months is as specified in the Policy Schedule/Certificate of Insurance.","quote":"Pre-Existing Diseases Waiting Period- 12/24/36 months.","sources":[{"clause":null,"heading":"SBI GENERAL AROGYA GOLD - GROUP CUSTOMER INFORMATION SHEET/KNOW YOUR POLICY - HEALTH","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/sbi-general-arogya-gold-group-sbihlgp27035v012627/document/15046#c-sbi-general-arogya-gold-group-customer-informati-2"}],"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":12},"display":"12 months","note":"Not applicable for claims arising due to an Accident.","quote":"Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 12 months (as Specified in Policy Schedule/Certificate of Insurance) of continuous coverage after the date of inception of the first Policy with Us.","sources":[{"clause":"Excl02(i)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/sbi-general-insurance/sbi-general-arogya-gold-group-sbihlgp27035v012627/document/15072#c-excl02-i"}],"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":["Cataract","Benign Prostatic Hypertrophy","Hysterectomy/myomectomy for menorrhagia or fibromyoma or prolapse of uterus","Non-infective Arthritis, Treatment of Spondylosis/ Spondylitis, Gout & Rheumatism","Surgery of Genitourinary tract","Calculus Diseases of any etiology","Sinusitis and related disorders","Surgery for prolapsed intervertebral disc unless arising from Accident","Surgery of varicose veins and varicose ulcer","Chronic Renal failure including dialysis","Gastric/Duodenal Ulcer","Gout and Rheumatism","Treatment for joint replacement unless arising from Accident","Age-related Osteoarthritis & Osteoporosis"],"display":"Cataract, benign prostatic hypertrophy, hysterectomy/myomectomy, non-infective arthritis and related conditions, genitourinary surgery, calculus diseases, sinusitis, prolapsed intervertebral disc surgery, varicose veins/ulcer surgery, chronic renal failure including dialysis, gastric/duodenal ulcer, gout and rheumatism, joint replacement, and age-related osteoarthritis/osteoporosis","note":null,"quote":"vi) List of specific Diseases/procedures\n• Cataract\n• Benign Prostatic Hypertrophy\n• Hysterectomy/myomectomy for menorrhagia or fibromyoma or prolapse of uterus\n• Non-infective Arthritis, Treatment of Spondylosis/ Spondylitis, Gout & Rheumatism\n• Surgery of Genitourinary tract\n• Calculus Diseases of any etiology\n• Sinusitis and related disorders\n• Surgery for prolapsed intervertebral disc unless arising from Accident\n• Surgery of varicose veins and varicose ulcer\n• Chronic Renal failure including dialysis\n• Gastric/Duodenal Ulcer\n• Gout and Rheumatism\n• Treatment for joint replacement unless arising from Accident\n• Age-related Osteoarthritis & Osteoporosis","sources":[{"clause":"Excl02(vi)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/sbi-general-insurance/sbi-general-arogya-gold-group-sbihlgp27035v012627/document/15072#c-excl02-vi"}],"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 Policy and claim shall be contestable by the insurer on grounds of non-disclosure, misrepresentation, except on grounds of established fraud.","sources":[{"clause":null,"heading":"6.2(b) Moratorium Period","page":24,"url":"https://indiainsurances.com/policy/sbi-general-insurance/sbi-general-arogya-gold-group-sbihlgp27035v012627/document/15072#c-6-2-b-moratorium-period"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"quote-verified","value":"The insured person may port the policy to another insurer by applying to that insurer to port the entire policy with all family members, if any, at least 45 days before but not earlier than 60 days from the renewal date. Waiting-period and other credits can transfer from the existing insurer to the acquiring insurer if continuously covered without lapses.","display":"Port to other insurers with credits; apply at least 45 days before but not earlier than 60 days from renewal","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 ... the proposed Insured Person is entitled to transfer the Credits gained to the extent of the Sum Insured, No Claim Bonus, Specific Waiting Periods, Waiting Period for Pre-existing Diseases, Moratorium Period, etc. from the existing Insurer to the acquiring Insurer in the previous Policy.","sources":[{"clause":null,"heading":"6.4(b) Portability","page":31,"url":"https://indiainsurances.com/policy/sbi-general-insurance/sbi-general-arogya-gold-group-sbihlgp27035v012627/document/15072#c-6-4-b-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":"quote-verified","value":true,"display":"Lifelong","note":"From the prospectus eligibility table.","quote":"Renewability | Lifelong","sources":[{"clause":null,"heading":"B. Age Criteria and Eligibility","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/sbi-general-arogya-gold-group-sbihlgp27035v012627/document/15052#c-b-age-criteria-and-eligibility"}],"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":"6.4(c) Renewal of Policy","page":31,"url":"https://indiainsurances.com/policy/sbi-general-insurance/sbi-general-arogya-gold-group-sbihlgp27035v012627/document/15072#c-6-4-c-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 policyholder may cancel at any time by giving 7 days’ written notice. For terms up to one year, the insurer refunds proportionate premium for the unexpired policy period if no claims were made; for terms over one year, it refunds premium for unexpired policy years where risk coverage has not commenced.","display":"Cancel with 7 days’ notice; proportionate refund for unexpired period if term up to one year and no claim; unexpired policy years refunded for terms over 1 year where risk has not commenced","note":null,"quote":"The Policy Holder may cancel his/her Policy at any time during the term, by giving 7 days’ notice in writing. ... refund proportionate premium for unexpired Policy Period,\nif the term of Policy upto one year and there is no Claim (s) ... refund premium for the unexpired Policy Period, in respect | i. Any Cover/benefit available in expiring Policy as\nof policies with term more than 1 year and risk coverage for | specifically agreed by Us to be covered and specified in\nsuch Policy years has not commenced.","sources":[{"clause":"18(a)","heading":null,"page":31,"url":"https://indiainsurances.com/policy/sbi-general-insurance/sbi-general-arogya-gold-group-sbihlgp27035v012627/document/15072#c-18-a"},{"clause":"18(a)(i)","heading":null,"page":31,"url":"https://indiainsurances.com/policy/sbi-general-insurance/sbi-general-arogya-gold-group-sbihlgp27035v012627/document/15072#c-18-a-i"}],"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":"Geographical coverage for each section except specified personal accident covers and Section 3 Cancer Care is within the territorial boundaries of India. The policy also excludes any medical treatment taken outside India.","display":"India for most sections; specified PA covers and Section 3 Cancer Care are excepted","note":null,"quote":"Geographical Coverage/applicability of each Section (except 2.1 Accidental Death, 2.2 Permanent Total Disability, 2.3 Permanent Partial Disability, 2.4 Repatriation and Funeral Expenses, 2.5 Child Education, 2.8 Broken Bones/Fracture and Section 3 Cancer Care) under this Policy is within the territorial boundaries of India and Claims under the Policy will be paid in accordance with the same. ... Any medical treatment taken outside India.","sources":[{"clause":null,"heading":"6.1(i) Territorial Jurisdiction","page":23,"url":"https://indiainsurances.com/policy/sbi-general-insurance/sbi-general-arogya-gold-group-sbihlgp27035v012627/document/15072#c-6-1-i-territorial-jurisdiction"},{"clause":null,"heading":"5.2 Specific Exclusions Applicable To All Sections","page":21,"url":"https://indiainsurances.com/policy/sbi-general-insurance/sbi-general-arogya-gold-group-sbihlgp27035v012627/document/15072#c-5-2-specific-exclusions-applicable-to-all-sectio"}],"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":"30 days","note":"Applies to new individual health insurance policies except those with tenure of less than a year.","quote":"Every Policy Holder of new individual health insurance policies except those with tenure of less than a year, shall be provided a free look period of 30 days beginning from the date of receipt of Policy document","sources":[{"clause":null,"heading":"6.2(c) Free Look Period","page":24,"url":"https://indiainsurances.com/policy/sbi-general-insurance/sbi-general-arogya-gold-group-sbihlgp27035v012627/document/15072#c-6-2-c-free-look-period"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":15},"display":"15 days for monthly mode; 30 days in all other cases","note":"The renewal clause separately says the policy can be renewed within a Grace Period of 30 days to maintain continuity.","quote":"The Grace Period for payment of the premium for all types of insurance policies shall be: fifteen days where premium payment mode is monthly and thirty days in all other cases.","sources":[{"clause":null,"heading":"2.1(q) Grace Period","page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/sbi-general-arogya-gold-group-sbihlgp27035v012627/document/15072#c-2-1-q-grace-period"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"For Section 1 Hospitalization Cover, child entry starts at Day 91 and adult entry starts at 18 Years; maximum entry age is 25 years for children and 75 Years for adults. For Personal Accident and Cancer Care, the primary insured must be an adult from 18 Years to 75 Years.","display":"Hospitalization: Child Day 91 to 25 years, Adult 18 Years to 75 Years; PA and Cancer Care: Adult 18 Years to 75 Years","note":"From the prospectus eligibility table.","quote":"Minimum Entry Age | For Section 1 Hospitalization Cover Child: Day 91 Adult: 18 Years For Section 2 Personal Accident (only for primary insured) Adult: 18 Years For Section 3 Cancer Care (only for primary insured) Adult: 18 Years\nMaximum Entry Age | For Section 1 Hospitalization Cover Child: 25 years Adult: 75 Years For Section 2 Personal Accident (only for primary insured) Adult: 75 Years For Section 3 Cancer Care (only for primary insured) Adult: 75 Years","sources":[{"clause":null,"heading":"B. Age Criteria and Eligibility","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/sbi-general-arogya-gold-group-sbihlgp27035v012627/document/15052#c-b-age-criteria-and-eligibility"}],"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":["Single Premium","Annual","Half-yearly","Quarterly","Monthly"],"display":"Single Premium, Annual, Half-yearly, Quarterly, and Monthly","note":"From the prospectus eligibility table.","quote":"Premium Payment Options | Single Premium, Annual, Half-yearly, Quarterly, and Monthly","sources":[{"clause":null,"heading":"B. Age Criteria and Eligibility","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/sbi-general-arogya-gold-group-sbihlgp27035v012627/document/15052#c-b-age-criteria-and-eligibility"}],"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":["Section 1 Hospitalization Cover","Section 2 Personal Accident","Section 3 Cancer Care","Organ Donor Expenses","Inpatient Care under Alternative Treatment (AYUSH)","Domiciliary Hospitalization","OPD Cover","Emergency Ground Ambulance","Weekly Benefit","Home Health Care","Common Disease Cover","Health Check-up","E-Opinion","Wellness Care"],"display":"All sections and covers are optional; examples include Hospitalization Cover, Personal Accident, Cancer Care, OPD, ambulance, home health care, common disease cover, health check-up, E-Opinion and wellness care","note":"The exact covers applicable to an insured person depend on the Policy Schedule/Certificate of Insurance.","quote":"All Sections and Covers offered under the Sections are optional in nature. The Master Policy Holder can select any number of Sections and covers under the Policy subject to terms, conditions and exclusions and limitations mentioned under this Policy.","sources":[{"clause":"3","heading":"Coverage","page":7,"url":"https://indiainsurances.com/policy/sbi-general-insurance/sbi-general-arogya-gold-group-sbihlgp27035v012627/document/15072#c-3"}],"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 available during the grace period for instalment premiums from the due date until receipt of premium by the company. At the end-of-policy renewal grace period, the renewal clause says coverage is not available during the grace period.","display":"Instalment grace period: coverage available; renewal grace period: coverage not available","note":"The two statements are both in the policy wording and apply to different contexts: instalment premium during the policy period and renewal after the policy period.","quote":"During such Grace Period, coverage will be available from the due date of instalment premium till the date of receipt of premium by Company. ... 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. Coverage is not available during the Grace Period.","sources":[{"clause":null,"heading":"6.1(d) Premium Payment in Instalment","page":22,"url":"https://indiainsurances.com/policy/sbi-general-insurance/sbi-general-arogya-gold-group-sbihlgp27035v012627/document/15072#c-6-1-d-premium-payment-in-instalment"},{"clause":null,"heading":"6.4(c) Renewal of Policy","page":31,"url":"https://indiainsurances.com/policy/sbi-general-insurance/sbi-general-arogya-gold-group-sbihlgp27035v012627/document/15072#c-6-4-c-renewal-of-policy"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for the hospital room, or the room category allowed. If you take a costlier room, other bills can be cut in proportion.","status":"quote-verified","value":"The CIS states the room rent financial limit as Actuals/Single Private AC Room. The policy wording says room rent is as specified in the Policy Schedule/Certificate of Insurance and applies proportionate deduction if the room rate exceeds the specified limit.","display":"Actuals/Single Private AC Room","note":"The exact applicable option is schedule-based.","quote":"Room Rent- Actuals/Single Private AC Room ... Room Rent as specified in the Policy Schedule/ Certificate of Insurance;","sources":[{"clause":"7","heading":"Room Rent- Actuals/Single Private AC Room","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/sbi-general-arogya-gold-group-sbihlgp27035v012627/document/15046#c-7"},{"clause":"1.1","heading":"Inpatient Care","page":7,"url":"https://indiainsurances.com/policy/sbi-general-insurance/sbi-general-arogya-gold-group-sbihlgp27035v012627/document/15072#c-1-1"}],"law":[]},{"key":"room_category","label":"Room category allowed","section":"Limits and co-pay","meaning":"Shared room, single private room or any room, by plan, when the limit is a room type rather than a rupee amount.","status":"quote-verified","value":"The CIS gives Single Private AC Room as a room category option, with Actuals as another option.","display":"Single Private AC Room","note":"The applicable option is schedule-based.","quote":"Room Rent- Actuals/Single Private AC Room","sources":[{"clause":"7","heading":"Room Rent- Actuals/Single Private AC Room","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/sbi-general-arogya-gold-group-sbihlgp27035v012627/document/15046#c-7"}],"law":[]},{"key":"icu_limit","label":"ICU limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for intensive care.","status":"not-stated","value":null,"display":null,"note":"The wording covers ICU Charges but does not state a per-day ICU limit; limits are schedule-based.","quote":null,"sources":[],"law":[]},{"key":"proportionate_deduction","label":"Proportionate deduction","section":"Limits and co-pay","meaning":"If you choose a room above your limit, whether the insurer reduces associated charges (doctor fees, tests, procedures) by the same proportion.","status":"quote-verified","value":"If admitted to a room with rates exceeding the limits in the schedule, reimbursement of all other associated medical expenses incurred at the hospital is payable in the same proportion as the admissible room rate per day bears to the actual room rent per day. Proportionate deductions do not apply where hospitals do not follow differential billing or for expenses where differential billing is not adopted based on room category.","display":"Yes, if room rate exceeds the schedule limit; associated medical expenses are reduced in the same proportion","note":null,"quote":"In case of admission to a room at rates exceeding the limits as specified in the Policy Schedule/Certificate of Insurance the reimbursement of all other Associated Medical Expenses incurred at the Hospital, shall be payable in the same proportion as the admissible rate per day bears to the actual rate per day of Room Rent charges. ... Proportionate deductions shall not apply in respect of the Hospitals which do not follow differential billings or for those expenses in respect of which differential billing is not adopted based on the room category.","sources":[{"clause":"1.1","heading":"Inpatient Care","page":7,"url":"https://indiainsurances.com/policy/sbi-general-insurance/sbi-general-arogya-gold-group-sbihlgp27035v012627/document/15072#c-1-1"}],"law":[]},{"key":"copay","label":"Co-payment","section":"Limits and co-pay","meaning":"The share of every admissible claim you pay yourself, and when it applies (age, zone, choice of hospital).","status":"not-stated","value":null,"display":null,"note":"The OPD cover says co-payment applies if opted, but the documents provided do not state the percentage.","quote":null,"sources":[],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"An amount of each claim or each year that you bear before the policy pays.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"disease_sublimits","label":"Disease or procedure sub-limits","section":"Limits and co-pay","meaning":"Caps on what is paid for named treatments (cataract, knee replacement...), even if the sum insured is higher.","status":"not-stated","value":null,"display":null,"note":"The documents show schedule-based limits for some covers but do not state fixed disease or procedure sub-limits in the provided clauses.","quote":null,"sources":[],"law":[]},{"key":"pre_hospitalisation","label":"Pre-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days before admission that are paid if related to the hospitalisation.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30/60/90 days","note":"The CIS gives 30/60/90 days as variants; the policy wording says pre-hospitalization expenses are payable on reimbursement basis but does not state the number of days.","quote":"Pre-Hospitalization Medical Expenses–Covers Medical Expenses for 30/60/90 days[SK1.1] prior to admission in a Hospital.","sources":[{"clause":null,"heading":"SBI GENERAL AROGYA GOLD - GROUP CUSTOMER INFORMATION SHEET/KNOW YOUR POLICY - HEALTH","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/sbi-general-arogya-gold-group-sbihlgp27035v012627/document/15046#c-sbi-general-arogya-gold-group-customer-informati-2"}],"law":[]},{"key":"post_hospitalisation","label":"Post-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days after discharge that are paid if related to the hospitalisation.","status":"quote-verified","value":{"unit":"days","amount":60},"display":"60/90/180 days","note":"The CIS gives 60/90/180 days as variants; the policy wording says post-hospitalization expenses are payable on reimbursement basis but does not state the number of days.","quote":"Post-Hospitalization Medical Expenses – Covers Medical Expenses for 60/90/180 days[SK2.1] after discharge from the Hospital.","sources":[{"clause":null,"heading":"SBI GENERAL AROGYA GOLD - GROUP CUSTOMER INFORMATION SHEET/KNOW YOUR POLICY - HEALTH","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/sbi-general-arogya-gold-group-sbihlgp27035v012627/document/15046#c-sbi-general-arogya-gold-group-customer-informati-2"}],"law":[]},{"key":"day_care","label":"Day-care treatments","section":"Cover","meaning":"Treatments needing less than 24 hours in hospital (chemotherapy, dialysis, cataract) and whether all or only listed ones are covered.","status":"quote-verified","value":"Day care treatment is covered for medically necessary treatment carried out on written advice of a medical practitioner. The list in Annexure III is indicative and any other treatment included in future is covered by the standard definition of Day Care Treatment.","display":"Day care covered; Annexure III list is indicative and other treatments covered by the standard definition","note":null,"quote":"We will indemnify the Reasonable and Customary Charges for Medical Expenses incurred on the Insured Person’s Day Care Treatment/ Procedure for Medically Necessary Treatment and is carried out on the written advice of a Medical Practitioner during the Policy Year. ... The list of admissible Day Care Treatment/ Procedures would be as per the list in Annexure III (The list of day care treatment is an indicative list and any other treatment which may get included in future shall be covered by the virtue of standard definition of “Day Care Treatment”)","sources":[{"clause":null,"heading":"1.2 Day Care Treatment","page":8,"url":"https://indiainsurances.com/policy/sbi-general-insurance/sbi-general-arogya-gold-group-sbihlgp27035v012627/document/15072#c-1-2-day-care-treatment"}],"law":[]},{"key":"domiciliary","label":"Treatment at home","section":"Cover","meaning":"Whether treatment at home is covered when hospital admission is not possible or a doctor advises it.","status":"quote-verified","value":"Domiciliary hospitalization is covered on reimbursement basis, subject to schedule limits, when the condition requires medical treatment for at least twenty-four hours and treatment is medically necessary on written advice of a medical practitioner. Listed diseases such as asthma, bronchitis, diabetes, epilepsy, hypertension and psychiatric or psychosomatic disorders are not payable under this cover.","display":"Covered on reimbursement basis as per schedule limits for at least twenty-four hours of medically necessary home treatment","note":"The cover excludes the listed diseases in the same clause.","quote":"We will indemnify the Reasonable and Customary Charges for Medical Expenses incurred on the Insured Person’s Domiciliary Hospitalization during the Policy Year, provided that the condition for which the medical treatment is required for at least twenty-four hours. ... Domiciliary Hospitalization is for Medically Necessary Treatment and is carried out on the written advice of a Medical Practitioner. ... Medical Expenses can be claimed on Reimbursement basis as per the limits specified in Policy Schedule/ Certificate of Insurance.","sources":[{"clause":"1.5","heading":"Domiciliary Hospitalization","page":8,"url":"https://indiainsurances.com/policy/sbi-general-insurance/sbi-general-arogya-gold-group-sbihlgp27035v012627/document/15072#c-1-5"}],"law":[]},{"key":"ayush","label":"AYUSH treatment","section":"Cover","meaning":"Ayurveda, Yoga, Unani, Siddha and Homeopathy treatment in a recognised hospital, and any limit.","status":"quote-verified","value":"Inpatient AYUSH treatment is covered up to the limit specified in the Policy Schedule/Certificate of Insurance for Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy treatment in an AYUSH Hospital.","display":"Covered up to schedule limit for Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy in an AYUSH Hospital","note":null,"quote":"We will indemnify the Insured Person upto the limit specified in the Policy Schedule/Certificate of Insurance for the Medical Expenses incurred during the Policy Year towards Inpatient Care or treatment taken under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy in an AYUSH Hospital as defined under the Policy.","sources":[{"clause":"1.4","heading":"Inpatient Care under Alternative Treatment (AYUSH)","page":8,"url":"https://indiainsurances.com/policy/sbi-general-insurance/sbi-general-arogya-gold-group-sbihlgp27035v012627/document/15072#c-1-4"}],"law":[{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 1","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 2","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 1","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II A.I(1)","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"modern_treatments","label":"Modern treatments","section":"Cover","meaning":"Robotic surgery, immunotherapy, oral chemotherapy, stem cell therapy and the like, and any cap on them.","status":"quote-verified","value":"Modern treatment is covered as inpatient, day care or domiciliary hospitalization for listed methods such as Uterine Artery Embolization and HIFU, Oral chemotherapy, Immunotherapy, Robotic surgeries and Stem cell therapy, as per schedule limits.","display":"Covered as per schedule limits for listed modern treatments, including oral chemotherapy, immunotherapy, robotic surgeries and stem cell therapy","note":null,"quote":"We will indemnify the Reasonable and Customary Charges for Medical Expenses incurred on the Insured Person during the Policy Year as Inpatient Treatment or Day Care Treatment or Domiciliary Hospitalization for any Illness/ Injury where treatment undertaken is from below listed Modern treatment methods or Advanced procedures as per the limits specified in Policy Schedule/Certificate of Insurance.\ni. Uterine Artery Embolization and HIFU\nii. Balloon Sinuplasty\niii) Deep Brain stimulation\niv) Oral chemotherapy\nv) Immunotherapy-Monoclonal Antibody to be given as injection\nvi) Intra vitreal injections\nvii) Robotic surgeries\nviii) Stereotactic radio Surgeries\nix) Bronchial Thermoplasty\nx) Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)\nxi) IONM-(lntra Operative Neuro Monitoring)\nxii) Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological","sources":[{"clause":null,"heading":"1.8 Modern Treatment","page":9,"url":"https://indiainsurances.com/policy/sbi-general-insurance/sbi-general-arogya-gold-group-sbihlgp27035v012627/document/15072#c-1-8-modern-treatment"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 2","url":"https://indiainsurances.com/law/irdai-health-mc-2024"}]},{"key":"organ_donor","label":"Organ donor expenses","section":"Cover","meaning":"Whether the donor's hospital costs for an organ transplant are paid.","status":"quote-verified","value":"Organ donor medical expenses are covered for organ transplant surgery conducted on the insured person, provided the organ is for the insured person, the transplant is medically advised and confirmed by a specialist, and the inpatient claim is accepted. Donor pre- and post-hospitalization, donor screening charges and expenses consequent to harvesting are excluded.","display":"Covered for donor medical expenses for organ transplant surgery on the insured person, subject to schedule limits; donor pre/post-hospitalization and screening are excluded","note":"Maximum liability is as specified in the Policy Schedule/Certificate of Insurance.","quote":"We will indemnify the Reasonable and Customary Charges for the Medical Expenses incurred in respect of donor for any of the organ transplant Surgery conducted on the Insured Person during the Policy Year ... We have accepted a claim for the Insured Person under 1.1 (Inpatient Care). ... The Organ Donor’s Pre-Hospitalization and Post- Hospitalization expenses are excluded under the Policy ... Any donor screening charges or other Medical Expenses or Hospitalization consequent to the harvesting of organ for the donor is excluded under the Policy","sources":[{"clause":"1.3","heading":"Organ Donor Expenses","page":8,"url":"https://indiainsurances.com/policy/sbi-general-insurance/sbi-general-arogya-gold-group-sbihlgp27035v012627/document/15072#c-1-3"}],"law":[]},{"key":"ambulance","label":"Ambulance cover","section":"Cover","meaning":"Road (and air) ambulance cover and its limit.","status":"quote-verified","value":"Emergency ground ambulance covers road ambulance expenses per hospitalization up to the limit specified in the schedule, and the CIS gives the limit range as Rs. 1000 to Rs. 5 Lacs. It applies where immediate ambulance services are required to take the insured to a hospital or transfer between hospitals on written medical advice.","display":"Road ambulance up to Rs. 1000 to Rs. 5 Lacs per hospitalisation","note":"Personal Accident has a separate Ambulance Cover with different limits.","quote":"We will indemnify the Insured Person up to the limit specified in the Policy Schedule/Certificate of Insurance, during the Policy Year, per Hospitalization, for expenses incurred on availing Road Ambulance services offered by a Hospital or by an Ambulance service provider. ... Emergency Ground Ambulance- Up to Rs. 1000 to Rs. 5 Lacs.","sources":[{"clause":"1.10","heading":"Emergency Ground Ambulance","page":9,"url":"https://indiainsurances.com/policy/sbi-general-insurance/sbi-general-arogya-gold-group-sbihlgp27035v012627/document/15072#c-1-10"},{"clause":null,"heading":"SBI GENERAL AROGYA GOLD - GROUP CUSTOMER INFORMATION SHEET/KNOW YOUR POLICY - HEALTH","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/sbi-general-arogya-gold-group-sbihlgp27035v012627/document/15046#c-sbi-general-arogya-gold-group-customer-informati-2"}],"law":[]},{"key":"restoration","label":"Restoration of sum insured","section":"Cover","meaning":"Whether the sum insured is refilled after it is used up in a year, how much, how often, and whether it works for the same illness.","status":"not-stated","value":null,"display":null,"note":"The documents mention Reinstatement of Sum Insured if applicable, but no restoration benefit terms are stated in the provided clauses.","quote":null,"sources":[],"law":[]},{"key":"no_claim_bonus","label":"No-claim or cumulative bonus","section":"Cover","meaning":"How much the cover grows each year, the maximum, whether it depends on not claiming, and what happens after a claim.","status":"not-stated","value":null,"display":null,"note":"The documents mention No Claim Bonus for continuity/portability if applicable, but do not state the bonus rate or rules.","quote":null,"sources":[],"law":[]},{"key":"consumables","label":"Consumables and non-medical items","section":"Cover","meaning":"Gloves, PPE, syringes and other items hospitals bill that standard policies exclude; whether this policy pays them.","status":"quote-verified","value":"Allowable consumables are covered under inpatient care, but expenses related to or subsumed into room charges, procedure charges or costs of treatment listed in Annexure II are not covered unless otherwise specified in the Policy Schedule/Certificate of Insurance.","display":"Allowable consumables covered; Annexure II non-medical/subsumed items not covered unless specified","note":null,"quote":"Intravenous fluids, blood transfusion, injection administration charges, allowable consumables and/or enteral feedings; ... The expenses related to or subsumed into room charges/procedure charges/costs of treatment are specified in Annexure II are not covered, unless otherwise specified in the Policy Schedule/Certificate of Insurance.","sources":[{"clause":"1.1","heading":"Inpatient Care","page":7,"url":"https://indiainsurances.com/policy/sbi-general-insurance/sbi-general-arogya-gold-group-sbihlgp27035v012627/document/15072#c-1-1"}],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Whether childbirth costs are covered, the limit and the waiting period.","status":"quote-verified","value":"Maternity is excluded: medical treatment expenses traceable to childbirth, including complicated deliveries and caesarean sections during hospitalization, are not payable except ectopic pregnancy. Expenses towards miscarriage are excluded unless due to an accident, as is lawful medical termination of pregnancy during the policy year.","display":"Excluded, except ectopic pregnancy; miscarriage covered only if due to an Accident","note":null,"quote":"Maternity: Code-Excl18\ni. Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during Hospitalization) except ectopic pregnancy;\nii. Expenses towards miscarriage (unless due to an Accident) and lawful medical termination of pregnancy during the Policy Year.","sources":[{"clause":null,"heading":"5.1(o) Maternity: Code-Excl18","page":21,"url":"https://indiainsurances.com/policy/sbi-general-insurance/sbi-general-arogya-gold-group-sbihlgp27035v012627/document/15072#c-5-1-o-maternity-code-excl18"}],"law":[]},{"key":"newborn","label":"Newborn baby cover","section":"Cover","meaning":"Whether a newborn is covered from birth and for what.","status":"not-stated","value":null,"display":null,"note":"The eligibility table states child entry from Day 91, but no newborn-from-birth cover benefit is stated.","quote":null,"sources":[],"law":[]},{"key":"mental_illness","label":"Mental illness","section":"Cover","meaning":"Cover for in-patient treatment of mental illness.","status":"not-stated","value":null,"display":null,"note":"The documents define Mental Illness and Mental Health Establishment, but do not state a specific inpatient mental illness cover in the provided clauses.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 3","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch III I","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(4)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 2(1)(s)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(1)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"}]},{"key":"health_checkup","label":"Health check-up","section":"Cover","meaning":"Free preventive check-ups and how often.","status":"quote-verified","value":"Preventive health check-up is available anytime during the policy year up to the limit specified in the Policy Schedule/Certificate of Insurance. The cover is available once per insured person during the policy year and is provided at the insurer’s wellness partner or empaneled diagnostic centers on a cashless basis.","display":"Once per insured person during the Policy Year, up to schedule limit, cashless at wellness partner or empaneled Diagnostic Centers","note":null,"quote":"The Insured Person can avail preventive Health check-up anytime during the Policy Year upto the limit specified in the Policy Schedule/Certificate of Insurance. ... This Cover is available once per Insured Person during the Policy Year. ... Health checkup will be provided at Our wellness partner or empaneled Diagnostic Centers on Cashless basis.","sources":[{"clause":null,"heading":"1.14 Health Check-up","page":12,"url":"https://indiainsurances.com/policy/sbi-general-insurance/sbi-general-arogya-gold-group-sbihlgp27035v012627/document/15072#c-1-14-health-check-up"}],"law":[]},{"key":"opd","label":"Out-patient (OPD) cover","section":"Cover","meaning":"Doctor consultations, tests and medicines without admission, and the limit.","status":"quote-verified","value":"OPD treatment is covered if the OPD Cover is opted, as per the cover and limits in the Policy Schedule/Certificate of Insurance. It includes consultation, medically necessary outpatient diagnostics and prescribed drugs and medicines, subject to conditions.","display":"OPD Cover covers consultation, diagnostic and pharmacy expenses as per opted schedule limits","note":"The cover is optional and schedule-based.","quote":"We will indemnify the Reasonable and Customary Charges incurred towards the Insured Person’s OPD Treatment during the Policy Year as per Cover/limits opted and specified under Policy Schedule/Certificate of Insurance. ... Consultation | Fees for medically necessary consultation and examination by Medical Practitioners to assess your health for any Illness. ... Diagnostic | Medically necessary out-patient diagnostic procedures such as x-rays, pathology, brain and body scans (MRI, CT scans) etc. used to make a diagnosis for treatment from a diagnostic centre. ... Pharmacy | Drugs and medicines prescribed by a Medical Practitioner","sources":[{"clause":"1.9","heading":"OPD Cover","page":9,"url":"https://indiainsurances.com/policy/sbi-general-insurance/sbi-general-arogya-gold-group-sbihlgp27035v012627/document/15072#c-1-9"},{"clause":null,"heading":"1.7 Post-Hospitalization Medical Expenses","page":9,"url":"https://indiainsurances.com/policy/sbi-general-insurance/sbi-general-arogya-gold-group-sbihlgp27035v012627/document/15072#c-1-7-post-hospitalization-medical-expenses"}],"law":[]},{"key":"zone_pricing","label":"Zone or city-based premium","section":"Premium","meaning":"Whether premium or co-pay depends on the city you are treated in.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"quote-verified","value":"Cashless facility can be availed only at network providers. The insurer makes payment for the cashless authorized amount directly to the network provider.","display":"Available only at network providers; insurer pays the authorized amount directly to the network provider","note":null,"quote":"Cashless Facility can be availed only at Our Network Providers. ... We will make payment for the Cashless authorized amount directly to the Network Provider.","sources":[{"clause":null,"heading":"6.3(n). Arbitration","page":30,"url":"https://indiainsurances.com/policy/sbi-general-insurance/sbi-general-arogya-gold-group-sbihlgp27035v012627/document/15072#c-6-3-n-arbitration"}],"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 may be intimated to the insurer or TPA, and cashless network lists can be obtained by contacting the TPA. The documents do not name a specific TPA.","display":"Insurer or TPA","note":"No specific TPA name is printed in the provided clauses.","quote":"Notification of Claim means the process of intimating a claim to the insurer or TPA through any of the recognized modes of communication. ... The complete list of Network Providers and Empaneled Service providers are available on Our Website and can be obtained by Contacting Our TPA.","sources":[{"clause":null,"heading":"2.1(ag).Notification of Claim","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/sbi-general-arogya-gold-group-sbihlgp27035v012627/document/15072#c-2-1-ag-notification-of-claim"},{"clause":null,"heading":"6.3(n). Arbitration","page":30,"url":"https://indiainsurances.com/policy/sbi-general-insurance/sbi-general-arogya-gold-group-sbihlgp27035v012627/document/15072#c-6-3-n-arbitration"}],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"quote-verified","value":true,"display":"Yes, Section 1 Hospitalization Cover can be opted on individual or floater basis","note":null,"quote":"Further, Section 1 Hospitalization Cover can be opted on individual or floater basis however, Section 2 Personal Accident and Section 3 Cancer Care are available only on individual basis for the Policy Holder.","sources":[{"clause":"3","heading":"Coverage","page":7,"url":"https://indiainsurances.com/policy/sbi-general-insurance/sbi-general-arogya-gold-group-sbihlgp27035v012627/document/15072#c-3"}],"law":[]}],"documents":[{"kind":"wording","label":"SBI General Arogya Gold- Group Policy Wordings","pages":42,"fetched_at":"2026-10-17 20:03:12+00","source_url":"https://content.sbigeneral.in/uploads/1_0_SBI_General_Arogya_Gold_Group_Policy_Wordings_2703fd827f.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/sbi-general-arogya-gold-group-sbihlgp27035v012627/document/15072"},{"kind":"prospectus","label":"SBI General Arogya Gold- Group Prospectus","pages":30,"fetched_at":"2026-10-17 20:02:38+00","source_url":"https://content.sbigeneral.in/uploads/7_0_SBI_General_Arogya_Gold_Group_Prospectus_4b7091ae2a.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/sbi-general-arogya-gold-group-sbihlgp27035v012627/document/15052"},{"kind":"cis","label":"SBI General Arogya Gold- Group CIS","pages":7,"fetched_at":"2026-10-17 20:02:32+00","source_url":"https://content.sbigeneral.in/uploads/SBI_General_Arogya_Gold_Group_CIS_968de5881c.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/sbi-general-arogya-gold-group-sbihlgp27035v012627/document/15046"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"SBI General Insurance official website","url":"https://www.sbigeneral.in/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Health claims","url":"https://www.sbigeneral.in/claim/health","note":null},{"purpose":"claim","kind":"insurer","name":"Home claims","url":"https://www.sbigeneral.in/claim/home","note":null},{"purpose":"claim","kind":"insurer","name":"Motor claims","url":"https://www.sbigeneral.in/claim/motor","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.sbigeneral.in/grievance-redressal","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"renew","kind":"insurer","name":"Policy renewal","url":"https://www.sbigeneral.in/policy-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":"SBI General Arogya Gold- Group (UIN SBIHLGP27035V012627), IndiaInsurances, https://indiainsurances.com/policy/sbi-general-insurance/sbi-general-arogya-gold-group-sbihlgp27035v012627"}