{"uin":"SBIPAGP12001V011112","name":"Micro Insurance Policy","url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112","insurer":{"slug":"sbi-general-insurance","name":"SBI General Insurance Company Limited","url":"https://indiainsurances.com/insurer/sbi-general-insurance"},"line":"health","category":"micro-insurance","category_name":"Micro and social insurance","irdai_type":null,"kind":"product","status":"active","approved_on":"2013-06-20","withdrawn_on":null,"summary":"Micro Insurance Policy has a compulsory Personal Accident cover and optional Critical Illness, Hospital Daily Cash, Asset Insurance and Burglary and Housebreaking covers. The policy term can be 1 or 3 years, and the Hospital Daily Cash option pays Rs.250 per day for 60 or 90 days.","analysis":{"state":"machine","analysed_at":"2026-10-19 22:49:56.016271+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":["60 days","90 days"],"display":"60 days / 90 days","note":"These are the Hospital Daily Cash plan options.","quote":"b) Plan options: 60 days / 90 days.","sources":[{"clause":"21(b)","heading":"Plan options","page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112/document/15184#c-21-b-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":"The period of insurance can be 1 year or 3 years, with annual premium collection for 3-year coverage.","display":"1/3years; for 3 years coverage the premium will be collected annually","note":null,"quote":"The period of insurance Can be 1/3years and without any intermediate option. However, in case of 3 years coverage the premium will be collected annually.","sources":[{"clause":null,"heading":"PERIOD OF INSURANCE","page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112/document/15184#c-period-of-insurance"}],"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":"Personal Accident claims must be notified immediately; death, loss of sight or amputation must be notified not later than 30 days. Critical Illness must be intimated within 60 days, Hospital Daily Cash within 48 hours after discharge, Asset loss forthwith with claim details within 15 days, and Burglary loss forthwith to police and the company with a written claim within seven days.","display":"Immediately; PA not later than 30 days for death/loss of sight/amputation; Critical Illness within 60 days; Hospital Daily Cash within 48 hours upon discharge; Asset within 15 days; Burglary within seven days","note":"Hospital Daily Cash delay may be relaxed up to 7 days; document submission may be relaxed up to 14 days.","quote":"written notice with all particulars must be given to the Company immediately. In case of death, written notice must be given immediately, and such notice is to be given before internment or cremation and in any case not later than 30 days from the date of death. In the event of loss of sight or amputation of limbs, written notice thereof must also be given immediately but not later than 30 days after such loss of sight or amputation. ... Insured must provide intimation to Insurer immediately and in any event within 60 days of the aforesaid Illness/ condition/ surgical event, if admissible under the Policy ... Insured must provide intimation to Insurer immediately and in any event within 48 hours upon discharge from hospital. ... On the happening of any loss or damage, the Insured shall forthwith give notice thereof to the Company and shall within 15 days after the loss or damage ... On the happening of any loss or damage the Insured shall forthwith give notice thereof in writing to the Police and also to the Company detailing the circumstances of the case and shall within seven days after such loss or damage shall have come to the Insured's knowledge","sources":[{"clause":"3","heading":"Infections (except pyogenic infections which shall occur","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112/document/15228#c-3-2"},{"clause":null,"heading":"Permanent Paralysis of Limbs","page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112/document/15228#c-permanent-paralysis-of-limbs"},{"clause":"17","heading":null,"page":7,"url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112/document/15228#c-17-2"},{"clause":"10(c)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112/document/15228#c-10-c"},{"clause":"1","heading":"Claim Notification and Proof of Loss","page":10,"url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112/document/15228#c-1-6"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"On receipt of claim documents, the insurer assesses admissibility and then pays if the claim is admitted; after the insured accepts an offer of settlement, payment is due within 7 days. The CIS also states cashless pre-authorization within 1 hour and cashless final bill settlement within 3 hours from receipt of complete documents.","display":"Payment within 7 days from acceptance of settlement offer; cashless pre-authorization within 1 hour and final bill within 3 hours from complete documents","note":"The cashless TAT is stated in the Customer Information Sheet.","quote":"On receipt of claim documents from Insured, Insurer shall assess the admissibility of claim as per Policy terms and ... Upon acceptance of an offer of settlement by the insured, the payment of the amount due shall be made within 7 days from the date of acceptance of the offer by the insured. ... TAT for pre-authorization of cashless facility - within 1 hour from receipt of complete documents. ii. TAT for cashless final bill settlement - within 3 hours from receipt of complete documents.","sources":[{"clause":"15(c)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112/document/15228#c-15-c"},{"clause":"15(d)","heading":"Penal Interest Provision","page":12,"url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112/document/15228#c-15-d"},{"clause":"Row 9","heading":"Claims/ Claims Procedure","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112/document/15146#c-row-9"}],"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":["Critical Illness signs, symptoms and diagnosis within 90 days after commencement","Hospitalisation due to sickness / illness occurring before cover or within the first 30 days","Pre-existing conditions until 36 consecutive months","First-year Hospital Daily Cash exclusions for gastric or duodenal ulcers, tonsillectomy, adenoidectomy, mastoidectomy, tympanoplasty, tumors/cysts/nodules/polyps, hernia, hydrocele, anal fissures, fistula and piles","First two-year Hospital Daily Cash exclusions for cataract, benign prostatic hypertrophy, hysterectomy/myomectomy, hypertension, heart disease, diabetes, arthritis, spondylosis/spondilytis, gout and rheumatism, genitourinary surgery, calculus diseases, sinusitis, prolapsed intervertebral disc surgery, vertebro-spinal disorders and knee conditions, varicose veins/ulcers, chronic renal failure and degenerative joint replacement","Convalescence, general debility, “Run-down” condition, rest cure, Congenital Internal and /or external illness/disease/defect","Outpatient diagnostic, medical and surgical procedures or treatments","Any fertility, sub fertility or assisted conception operation or sterilization procedure and related treatment","Epidemics recognized by WHO or/and Indian state / central government/state govt.","Cosmetic or aesthetic treatments, sex change, Lasik treatment and plastic surgery except for illness or accidental bodily injury","Dental treatment or surgery unless required by accidental bodily injury to natural teeth requiring hospitalisation","Ailments due to use or abuse of substance, drug or alcohol and treatment for de-addiction","Pregnancy, childbirth, miscarriage, abortion or complications, except life-threatening ectopic pregnancy","Hospitalization for donation of body organs by an insured","Treatment for obesity, weight reduction or weight management"],"display":"Waiting-period exclusions, pre-existing conditions and listed Hospital Daily Cash, Critical Illness and general exclusions apply","note":null,"quote":"signs, symptoms & diagnosis occurs for the first time after 90 days after the commencement of Period of Insurance ... occurring before the commencement of Period of Insurance or arising within the first 30 days of the commencement of the Period of Insurance. ... Benefits will not be available for Any condition, whether diagnosed or not, ailment or injury or related condition(s) for which Insured has been diagnosed, received medical treatment, had signs and / or symptoms, prior to inception of Insured's first Policy, until 36 consecutive months have elapsed ... Exclusions applicable to first year of cover from commencement of the Policy, from the following Diseases / Illness and its related complications:\nAny types of gastric or duodenal ulcers, Tonsillectomy, Adenoidectomy, Mastoidectomy, Tympanoplasty, All internal or external tumor /cysts/nodules/polyps of any kind including breast lumps, All types of Hernia and Hydrocele, Anal Fissures, Fistula and Piles. ... Exclusions applicable to first two years of cover from commencement of the Policy, from the following Diseases / Illness and its related complications:\nCataract, Benign Prostatic Hypertrophy, Hysterectomy/ myomectomy for menorrhagia or fibromyoma or prolapse of uterus, Hypertension, Heart Disease and related complications, Diabetes and related complications, Non infective Arthritis, Treatment of Spondylosis / Spondilytis, Gout & Rheumatism, Surgery of Genitourinary tract, Calculus Diseases, Sinusitis, nasal disorders and related disorders, Surgery for prolapsed intervertebral disc unless arising from accident, Vertebro-spinal disorders (including disc) and knee conditions; Surgery of varicose veins and varicose ulcers, Chronic Renal failure, Joint replacement surgery due to degenerative condition, age related osteoarthritis and osteoporosis unless such joint replacement surgery is necessitated by Accidental Bodily Injury. ... Convalescence, general debility, “Run-down” condition, rest cure, Congenital Internal and /or external illness/disease/defect. ... Outpatient diagnostic, medical and surgical procedures or treatments ... Any fertility, sub fertility or assisted conception operation or sterilization procedure and related treatment. ... Epidemics recognized by WHO or/and Indian state / central government/state govt. ... Cosmetic or aesthetic treatments of any description, treatment or surgery for change of life/gender, Lasik treatment, or similar type of corrective procedures for refractive error. Any form of plastic surgery (unless necessary for the treatment of an Illness or Accidental Bodily Injury). ... Dental treatment or surgery of any kind unless required as a ... result of Accidental Bodily Injury to natural teeth requiring hospitalization treatment. ... Ailments requiring treatment due to use or abuse of any ... substance, drug or alcohol and treatment for de-addiction. ... Treatment arising from or traceable to pregnancy childbirth, miscarriage, abortion or complications of any of this, including caesarian section. However, this exclusion will not apply to abdominal operation for extra uterine pregnancy (Ectopic Pregnancy), which is proved by submission of Ultra Sonographic Report and certification by Gynecologist that it is life threatening ... Hospitalization for donation of any body organs by an Insured ... including complications arising from the donation of organs. ... Treatment for obesity, weight reduction or weight management.","sources":[{"clause":"Section II","heading":"A - Critical Illness Insurance","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112/document/15228#c-section-ii"},{"clause":"1","heading":"Benefits will not be available for Any condition, whether","page":6,"url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112/document/15228#c-1-4"},{"clause":"2","heading":"The Company shall not be liable to make any payment under this","page":6,"url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112/document/15228#c-2-4"},{"clause":"3","heading":"Exclusions applicable to first year of cover from commencement","page":6,"url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112/document/15228#c-3-4"},{"clause":"4","heading":"Exclusions applicable to first two years of cover from","page":6,"url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112/document/15228#c-4-3"},{"clause":"5","heading":"Any fertility, sub fertility or assisted conception operation or","page":7,"url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112/document/15228#c-5-2"},{"clause":"6","heading":"Epidemics recognized by WHO or/and Indian state / central","page":7,"url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112/document/15228#c-6-2"},{"clause":"8","heading":"Cosmetic or aesthetic treatments of any description, treatment","page":7,"url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112/document/15228#c-8-2"},{"clause":"10","heading":"Dental treatment or surgery of any kind unless required as a","page":7,"url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112/document/15228#c-10-2"},{"clause":"11","heading":"Ailments requiring treatment due to use or abuse of any","page":7,"url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112/document/15228#c-11-2"},{"clause":"12","heading":null,"page":7,"url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112/document/15228#c-12-2"},{"clause":"16","heading":"Hospitalization for donation of any body organs by an Insured","page":7,"url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112/document/15228#c-16-2"},{"clause":"17","heading":null,"page":7,"url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112/document/15228#c-17-2"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"The stated route is Bima Bharosa, then Head – Customer Care, and if not satisfied or no response within 5 days, escalation to the Grievance Redressal Officer at gro@sbigeneral.in or 022-45138021 before the Insurance Ombudsman.","display":"Bima Bharosa; Head – Customer Care; then Grievance Redressal Officer (GRO)","note":null,"quote":"Stage 1: Bima Bharosa ... Stage 2: Head – Customer Care\nAlternatively, if you wish to register your grievances directly with us, you may write to the Head – Customer Care. ... Email:head.customercare@sbigeneral.in Phone: 1800 102 1111 ... In case, you are still not satisfied with the decision/resolution communicated by the above officer or have not received any response within 5 days, you may escalate the matter to the Grievance Redressal Officer (GRO) ... Email: gro@sbigeneral.in | Phone: 022-45138021","sources":[{"clause":null,"heading":"10. Grievance Redressal Procedure Stage 1: Bima Bharosa","page":12,"url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112/document/15228#c-10-grievance-redressal-procedure-stage-1-bima-bh"},{"clause":null,"heading":"Stage 2: Head – Customer Care","page":12,"url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112/document/15228#c-stage-2-head-customer-care"},{"clause":null,"heading":"Stage 3: Grievance Redressal Officer (GRO)","page":12,"url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112/document/15228#c-stage-3-grievance-redressal-officer-gro"},{"clause":null,"heading":"5. Withdrawal of Product","page":11,"url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112/document/15228#c-5-withdrawal-of-product"}],"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":"Personal Accident sum insured is Rs.10,000 to Rs.50,000; Critical Illness is Rs.10,000 to Rs.30,000; Hospital Daily Cash is Rs.250 per day for 60 or 90 days; Asset Insurance and Burglary & Housebreaking are each maximum Rs.30,000 for dwelling and all contents put together.","display":"PA Rs.10,000-50,000; CI Rs.10,000-30,000; Hospital Daily Cash Rs.250/day for 60 or 90 days; Asset and Burglary maximum Rs.30,000","note":"Critical Illness, Hospital Daily Cash, Asset Insurance and Burglary & Housebreaking are optional covers; Personal Accident is compulsory.","quote":"a) Fixed Benefit Amount for Hospital Daily Cash: `250/- . ... b) Plan options: 60 days / 90 days. ... a) Minimum Sum Insured : `10,000/- ... b) Maximum Sum Insured : `30,000/- ... a) Minimum Sum Insured : `10,000/- ... b) Maximum Sum Insured : `50,000/-\n4. Asset Insurance Maximum of `30,000 for dwelling and all contents put together. ... Maximum of `30,000 for dwelling and all contents put together.","sources":[{"clause":"21(a)","heading":"Fixed Benefit Amount for Hospital Daily Cash","page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112/document/15184#c-21-a-3"},{"clause":"21(b)","heading":"Plan options","page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112/document/15184#c-21-b-3"},{"clause":"21(a)","heading":"Minimum Sum Insured","page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112/document/15184#c-21-a-4"},{"clause":"21(b)","heading":"Maximum Sum Insured","page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112/document/15184#c-21-b-4"},{"clause":"21(a)","heading":"Minimum Sum Insured","page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112/document/15184#c-21-a-5"},{"clause":"21(b)","heading":"Maximum Sum Insured","page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112/document/15184#c-21-b-5"},{"clause":null,"heading":"5. Burglary & Housebreaking","page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112/document/15184#c-5-burglary-housebreaking"}],"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":"Applies to Hospital Daily Cash sickness/illness hospitalisation; not applicable for accidental bodily injury.","quote":"hospitalisation due to sickness / illness, as stated in this Section, occurring before the commencement of Period of Insurance or arising within the first 30 days of the commencement of the Period of Insurance. However this exclusion would not applicable for hospitalisation due to Accidental Bodily Injury within first 30 days of commencement of cover.","sources":[{"clause":"2","heading":"The Company shall not be liable to make any payment under this","page":6,"url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112/document/15228#c-2-4"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"quote-verified","value":{"unit":"months","amount":36},"display":"36 consecutive months","note":"For Hospital Daily Cash the same clause says 36 consecutive months and also says the exclusion ceases after a full 4 years without break; Critical Illness states 36 consecutive months and a full 3 years without break.","quote":"Benefits will not be available for Any condition, whether diagnosed or not, ailment or injury or related condition(s) for which Insured has been diagnosed, received medical treatment, had signs and / or symptoms, prior to inception of Insured's first Policy, until 36 consecutive months have elapsed, after the date of inception of the first Policy with Insurer. ... This Exclusion shall cease to apply if Insured has maintained the Health Insurance Policy with Insurer for a continuous period of a full 4 years without break from the date of Insured's first Health Insurance Policy with Insurer.","sources":[{"clause":"1","heading":"Benefits will not be available for Any condition, whether","page":6,"url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112/document/15228#c-1-4"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"quote-verified","value":["Any types of gastric or duodenal ulcers","Tonsillectomy","Adenoidectomy","Mastoidectomy","Tympanoplasty","All internal or external tumor /cysts/nodules/polyps of any kind including breast lumps","All types of Hernia and Hydrocele","Anal Fissures, Fistula and Piles","Cataract","Benign Prostatic Hypertrophy","Hysterectomy/ myomectomy for menorrhagia or fibromyoma or prolapse of uterus","Hypertension, Heart Disease and related complications","Diabetes and related complications","Non infective Arthritis","Treatment of Spondylosis / Spondilytis","Gout & Rheumatism","Surgery of Genitourinary tract","Calculus Diseases","Sinusitis, nasal disorders and related disorders","Surgery for prolapsed intervertebral disc unless arising from accident","Vertebro-spinal disorders (including disc) and knee conditions","Surgery of varicose veins and varicose ulcers","Chronic Renal failure","Joint replacement surgery due to degenerative condition, age related osteoarthritis and osteoporosis unless necessitated by Accidental Bodily Injury"],"display":"One-year and two-year Hospital Daily Cash specific waiting lists","note":null,"quote":"Any types of gastric or duodenal ulcers, Tonsillectomy, Adenoidectomy, Mastoidectomy, Tympanoplasty, All internal or external tumor /cysts/nodules/polyps of any kind including breast lumps, All types of Hernia and Hydrocele, Anal Fissures, Fistula and Piles. ... Cataract, Benign Prostatic Hypertrophy, Hysterectomy/ myomectomy for menorrhagia or fibromyoma or prolapse of uterus, Hypertension, Heart Disease and related complications, Diabetes and related complications, Non infective Arthritis, Treatment of Spondylosis / Spondilytis, Gout & Rheumatism, Surgery of Genitourinary tract, Calculus Diseases, Sinusitis, nasal disorders and related disorders, Surgery for prolapsed intervertebral disc unless arising from accident, Vertebro-spinal disorders (including disc) and knee conditions; Surgery of varicose veins and varicose ulcers, Chronic Renal failure, Joint replacement surgery due to degenerative condition, age related osteoarthritis and osteoporosis unless such joint replacement surgery is necessitated by Accidental Bodily Injury.","sources":[{"clause":"3","heading":"Exclusions applicable to first year of cover from commencement","page":6,"url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112/document/15228#c-3-4"},{"clause":"4","heading":"Exclusions applicable to first two years of cover from","page":6,"url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112/document/15228#c-4-3"}],"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":"not-stated","value":null,"display":null,"note":"The grace period definition mentions moratorium period but the documents provided do not state a moratorium duration.","quote":null,"sources":[],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"No exit age; ordinarily renewable","note":null,"quote":"Minimum entry age is 18 years maximum entry age is 65 years; however there is no exit age. ... The Policy shall ordinarily be renewable provided the product is not withdrawn, except on grounds of established fraud or non-disclosure or misrepresentation by the Insured Person.","sources":[{"clause":null,"heading":"WHO CAN TAKE THIS POLICY","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112/document/15184#c-who-can-take-this-policy"},{"clause":"15(i)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112/document/15228#c-15-i"}],"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 shall apply on Renewals based on individual Claims experience","note":null,"quote":"No loading shall apply on Renewals based on individual Claims experience.","sources":[{"clause":"15(vi)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112/document/15228#c-15-vi"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"quote-verified","value":["Convalescence, general debility, “Run-down” condition, rest cure, Congenital Internal and /or external illness/disease/defect","Venereal disease or any sexually transmitted disease or sickness","Outpatient diagnostic, medical and surgical procedures or treatments, non-prescribed drugs and medical supplies","Any fertility, sub fertility or assisted conception operation or sterilization procedure and related treatment","Epidemics recognized by WHO or/and Indian state / central government/state govt.","Cosmetic or aesthetic treatments, treatment or surgery for change of life/gender, Lasik treatment and plastic surgery except where allowed","Prostheses, corrective devices, spectacles, contact lenses, hearing aid, medical appliances, external medical equipment of any kind used at home","Dental treatment or surgery unless required as a result of Accidental Bodily Injury to natural teeth requiring hospitalization treatment","Ailments requiring treatment due to use or abuse of any substance, drug or alcohol and treatment for de-addiction","Treatment arising from or traceable to pregnancy childbirth, miscarriage, abortion or complications, except life-threatening ectopic pregnancy","Vaccination or inoculation except as post bite treatment for animal bite","Treatments in health hydro, spas, nature care clinics and the like","Treatment for obesity, weight reduction or weight management","War, invasion, act of foreign enemy and similar war or civil commotion perils","Intentional self injury, suicide or attempted suicide"],"display":"Product exclusions include listed permanent Hospital Daily Cash and general exclusions","note":"Excl04 to Excl18 codes are not printed in the provided policy wording.","quote":"Convalescence, general debility, “Run-down” condition, rest cure, Congenital Internal and /or external illness/disease/defect. ... Venereal disease or any sexually transmitted disease or sickness. ... Outpatient diagnostic, medical and surgical procedures or treatments, non-prescribed drugs and medical supplies ... Any fertility, sub fertility or assisted conception operation or ... sterilization procedure and related treatment. ... Epidemics recognized by WHO or/and Indian state / central ... government/state govt. ... Cosmetic or aesthetic treatments of any description, treatment ... or surgery for change of life/gender, Lasik treatment, or similar type of corrective procedures for refractive error. Any form of plastic surgery (unless necessary for the treatment of an Illness or Accidental Bodily Injury). ... Prostheses, corrective devices, spectacles, contact lenses, hearing aid, medical appliances, external medical equipment of any kind used at home ... Dental treatment or surgery of any kind unless required as a ... result of Accidental Bodily Injury to natural teeth requiring hospitalization treatment. ... Ailments requiring treatment due to use or abuse of any ... substance, drug or alcohol and treatment for de-addiction. ... Treatment arising from or traceable to pregnancy childbirth, miscarriage, abortion or complications of any of this, including caesarian section. However, this exclusion will not apply to abdominal operation for extra uterine pregnancy (Ectopic Pregnancy), which is proved by submission of Ultra Sonographic Report and certification by Gynecologist that it is life threatening ... Vaccination or inoculation except as post bite treatment for ... animal bite ... Treatments in health hydro, spas, nature care clinics and the like. ... Treatment for obesity, weight reduction or weight management. ... War, invasion, act of foreign enemy, hostilities (whether war be declared or not), armed or unarmed truce, civil war, mutiny, rebellion, revolution, insurrection, military or usurped power, riot or civil commotion, strikes ... intentional self injury, suicide or attempted suicide.","sources":[{"clause":"4","heading":"Exclusions applicable to first two years of cover from","page":6,"url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112/document/15228#c-4-3"},{"clause":"5","heading":"Any fertility, sub fertility or assisted conception operation or","page":7,"url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112/document/15228#c-5-2"},{"clause":"6","heading":"Epidemics recognized by WHO or/and Indian state / central","page":7,"url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112/document/15228#c-6-2"},{"clause":"8","heading":"Cosmetic or aesthetic treatments of any description, treatment","page":7,"url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112/document/15228#c-8-2"},{"clause":"9","heading":null,"page":7,"url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112/document/15228#c-9-2"},{"clause":"10","heading":"Dental treatment or surgery of any kind unless required as a","page":7,"url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112/document/15228#c-10-2"},{"clause":"11","heading":"Ailments requiring treatment due to use or abuse of any","page":7,"url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112/document/15228#c-11-2"},{"clause":"12","heading":null,"page":7,"url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112/document/15228#c-12-2"},{"clause":"13","heading":"Vaccination or inoculation except as post bite treatment for","page":7,"url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112/document/15228#c-13-2"},{"clause":"15","heading":null,"page":7,"url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112/document/15228#c-15-2"},{"clause":"17","heading":null,"page":7,"url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112/document/15228#c-17-2"},{"clause":null,"heading":"General Exclusions applicable to all coverages except Asset","page":10,"url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112/document/15228#c-general-exclusions-applicable-to-all-coverages-e"}],"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":"You may cancel by written notice. If no claim has occurred up to the cancellation date, the company refunds premium at short-period rates: 75% of annual rate up to one month, 50% up to three months, 25% up to six months, and Nil after six months.","display":"Short-period refund if no claim: 75% up to one month, 50% up to three months, 25% up to six months, Nil exceeding six months","note":"Quoted from the prospectus because the policy wording cancellation table is interleaved with other text in the extracted clauses.","quote":"Also, the Insured may at any time cancel this Policy by giving a written notice to the Company and in such event Company shall allow refund of premium at Insured's short period rate only (table given here below) provided no claim has occurred up to the date of cancellation.\nPeriod on risk | Rate of premium refunded\nUp to one month | 75% of annual rate\nUp to three months | 50% of annual rate\nUp to six months | 25% of annual rate\nExceeding six months | Nil","sources":[{"clause":"21(b)(vi)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112/document/15184#c-21-b-vi"}],"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":"not-stated","value":null,"display":null,"note":"The documents state payment in India in Indian Rupees only, but do not state the geographic area where events must occur for cover.","quote":null,"sources":[],"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":"at least 30 days from the date of receipt of the policy","note":"This is stated in the Customer Information Sheet; the extracted policy wording does not give the detailed free-look clause.","quote":"Free Look Cancellation: The insured will be allowed a period of at least 30 days from the date of receipt of the policy to review the terms and conditions of the policy and to return the same if not acceptable.","sources":[{"clause":null,"heading":"Stage 4: Escalation to Insurance Ombudsman","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112/document/15146#c-stage-4-escalation-to-insurance-ombudsman"}],"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; fifteen days where premium payment mode is monthly","note":"The renewal condition states 30 days. The general definition states fifteen days for monthly premium mode and thirty days in all other cases.","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. ... 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.","sources":[{"clause":"18","heading":"Grace period","page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112/document/15228#c-18"},{"clause":"15(v)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112/document/15228#c-15-v"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"Minimum entry age is 18 years and maximum entry age is 65 years. Children can be covered from 6 months up to 23 years if parents are concurrently covered.","display":"18 years to 65 years; children 6 months to 23 years with parents","note":null,"quote":"Minimum entry age is 18 years maximum entry age is 65 years; however there is no exit age. Children can be covered from 6 months and maximum up to 23 years subject to parents concurrently covered with us.","sources":[{"clause":null,"heading":"WHO CAN TAKE THIS POLICY","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112/document/15184#c-who-can-take-this-policy"}],"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":["annually"],"display":"premium will be collected annually","note":"The documents do not state half-yearly, quarterly or monthly payment modes as available options.","quote":"However, in case of 3 years coverage the premium will be collected annually.","sources":[{"clause":null,"heading":"PERIOD OF INSURANCE","page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112/document/15184#c-period-of-insurance"}],"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":["Critical Illness Cover","Hospital daily Cash","Asset Insurance","Burglary and Housebreaking","Terrorism cover"],"display":"Critical Illness Cover, Hospital daily Cash, Asset Insurance, Burglary and Housebreaking; Terrorism cover at proposer option","note":"Personal Accident is the compulsory cover.","quote":"Optional Covers\nSection II A – Critical Illness Cover Section II B – Hospital daily Cash Section II C – Asset Insurance Section II D – Burglary and Housebreaking ... Terrorism cover is available at the option of the proposer","sources":[{"clause":null,"heading":"Optional Covers","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112/document/15228#c-optional-covers"},{"clause":null,"heading":"SCOPE OF COVER","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112/document/15184#c-scope-of-cover"}],"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 renewal grace period. The general grace-period definition says coverage need not be available when no premium is received, but insurers shall offer coverage during the grace period if premium is paid in instalments during the policy period.","display":"Coverage is not available during the Grace Period; instalment-premium grace cover is offered if premium is paid in instalments during the policy period","note":"The renewal condition expressly says coverage is not available during the grace period.","quote":"Coverage need not be available during the period for which no premium is received. ... Provided the insurers shall offer coverage during the grace period, if the premium is paid in instalments during the policy period. ... Coverage is not available during the Grace Period.","sources":[{"clause":"18","heading":"Grace period","page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112/document/15228#c-18"},{"clause":"15(v)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112/document/15228#c-15-v"}],"law":[]},{"key":"scheme","label":"Scheme","section":"Overview","meaning":"Government scheme this product belongs to, if any.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Micro Insurance Policy Policy Wordings","pages":13,"fetched_at":"2026-10-17 20:08:34+00","source_url":"https://content.sbigeneral.in/uploads/Micro_Insurance_Policy_Policy_wording_ddff6c77e7.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112/document/15228"},{"kind":"wording","label":"Micro Insurance Policy (IRDAI copy)","pages":28,"fetched_at":"2026-10-20 02:21:44+00","source_url":"https://irdai.gov.in/documents/37343/931203/Micro+Insurance+Policy_2013-2014.pdf/c4e4f757-55cb-f1d9-90ad-3b583e2b8957?version=1.2&t=1668329308049&download=true","url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112/document/28109"},{"kind":"prospectus","label":"Micro Insurance Policy Prospectus","pages":7,"fetched_at":"2026-10-17 20:07:01+00","source_url":"https://content.sbigeneral.in/uploads/Micro_Insurance_Policy_Prospectus_472a6d1169.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112/document/15184"},{"kind":"cis","label":"Micro Insurance Policy Customer Information Sheet","pages":5,"fetched_at":"2026-10-17 20:05:41+00","source_url":"https://content.sbigeneral.in/uploads/Micro_Insurance_Policy_CIS_fdbf1c6ebc.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112/document/15146"}],"versions":[{"uin":"IRDA/NL-HLT/SBIGI/P-H/V.I/43/13-14","version":null,"approved_on":null},{"uin":"SBIPAGP12001V011112","version":null,"approved_on":null}],"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":"Micro Insurance Policy (UIN SBIPAGP12001V011112), IndiaInsurances, https://indiainsurances.com/policy/sbi-general-insurance/micro-insurance-policy-sbipagp12001v011112"}