{"uin":"SGLHLIP26035V032627","name":"Shri Health Suraksha Insurance Policy","url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627","insurer":{"slug":"shriram-general-insurance","name":"Shriram General Insurance Company Limited","url":"https://indiainsurances.com/insurer/shriram-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":"Shri Health Suraksha Insurance Policy is an indemnity health product available on individual or family floater basis for 1, 2 or 3 years. It has 30-day initial, 36-month PED and 24/36-month specific waiting periods, with 5% co-pay, room rent limit 2% of sum insured capped at Rs.5000/- per day, and optional add-ons including restoration, bonus boost and co-pay waiver.","analysis":{"state":"machine","analysed_at":"2026-10-19 22:50:53.686157+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":["Individual","Floater"],"display":"Individual / Floater","note":null,"quote":"Product Type | Individual/ Floater","sources":[{"clause":null,"heading":"TABLE OF BENEFITS","page":26,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-table-of-benefits"}],"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, 2 and 3 years.","display":"1, 2 and 3 Year","note":null,"quote":"Policy Period | 1,2,3 Year","sources":[{"clause":null,"heading":"TABLE OF BENEFITS","page":26,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-table-of-benefits"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"For emergency hospitalisation, notice with full particulars must be sent within 24 hours from emergency hospitalisation or before discharge, whichever is earlier. For planned hospitalisation, notice must be at least 48 hours before admission.","display":"Emergency: within 24 hours or before discharge, whichever is earlier; planned: at least 48 hours before admission.","note":null,"quote":"Notice with full particulars shall be sent to the Company /TPA (if applicable) as under\ni) Within 24hours from the date of emergency hospitalization required or before the Insured Person’s discharge from Hospital, whichever is earlier.\nii) At least 48 hours prior to admission in Hospital in case of a planned Hospitalization.","sources":[{"clause":"9.3","heading":"Notification of Claim","page":12,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-9-3"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Duly completed claim form","Photo Identity proof of the patient","Medical practitioner's prescription advising admission","Original bill with itemized break up","Payment receipt","Discharge summery including complete medical history of the patient along with other details","Investigation/Diagnostic test reports etc. supported by the prescription from attending medical practitioner","OT notes or Surgeon's certificate giving details of the operation performed (for surgical cases)","Sticker/invoice of the implant, wherever applicable.","MLR (Medico Legal Report copy if carried out and FIR (First information report in registered, wherever applicable.","NEFT Details (to enable direct credit of claim amount in bank account) and cancelled cheque","KYC (Identity proof with Address of the prophet, where claim liability above Rs 1 Lakh as per AML Guidelines","Legal heir/succession certificate wherever applicable","Any other relevant document required by Company or TPA for assessment of the claim"],"display":"Claim form, ID proof, admission prescription, itemised bills, receipts, discharge summary, investigation reports, OT notes, implant invoice, MLR/FIR where applicable, NEFT/cancelled cheque, KYC where claim liability is above Rs 1 Lakh, legal heir/succession certificate where applicable, and other relevant documents.","note":null,"quote":"i) Duly completed claim form\nii) Photo Identity proof of the patient\niii) Medical practitioner's prescription advising admission\niv) Original bill with itemized break up\nv) Payment receipt\nvi) Discharge summery including complete medical history of the patient along with other details\nvii) Investigation/Diagnostic test reports etc. supported by the prescription from attending medical practitioner\nviii) OT notes or Surgeon's certificate giving details of the operation performed (for surgical cases)\nix) Sticker/invoice of the implant, wherever applicable.\nx) MLR (Medico Legal Report copy if carried out and FIR (First information report in registered, wherever applicable.\nxi) NEFT Details (to enable direct credit of claim amount in bank account) and cancelled cheque\nxii) KYC (Identity proof with Address of the prophet, where claim liability above Rs 1 Lakh as per AML Guidelines\nxiii) Legal heir/succession certificate wherever applicable\nxiv) Any other relevant document required by Company or TPA for assessment of the claim","sources":[{"clause":"9.4","heading":"Documents to be submitted","page":13,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-9-4"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The company shall settle or reject a claim within 15 days from receipt of the last necessary document. If investigation is warranted, it must complete investigation not later than 30 days from the last necessary document and settle or reject the claim within 45 days from that date.","display":"15 days from receipt of last necessary document; 45 days if investigation is warranted.","note":"Delay attracts interest at a rate 2% above the bank rate.","quote":"i) The Company shall settle or reject a claim, as may be the case, within 15 days from the date of receipt of last necessary document. ... iii) However, where the circumstances of a claim warrant an investigation in the opinion of the Company, it shall initiate and complete such investigation at the earliest in any case not later than 30 days from the dated of receipt of last necessary document. In such cases, the Company shall settle or reject the claim within 45 days from the date of receipt of last necessary document.","sources":[{"clause":"9.6(i)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-9-6-i"},{"clause":"9.6(iii)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-9-6-iii"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Pre-Existing Diseases (Code- Excl01)","First Thirty Days Waiting Period (Code- Excl03)","Specific Waiting Period: (Code- Excl02)","Investigation & Evaluation (Code- Excl04)","Rest Cure, rehabilitation and respite care (Code- Excl05)","Obesity/ Weight Control (Code- Excl06)","Change-of-Gender treatments: (Code- Excl07)","Cosmetic or plastic Surgery: (Code- Excl08)","Hazardous or Adventure sports: (Code- Excl09)","Breach of law: (Code- Excl10)","Excluded Providers: (Code-Excl11)","Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof.","Birth control, Sterility and Infertility: (Code- Excl17)","Maternity Expenses (Code: Excl 18)","Treatment taken outside the geographical limits of India.","Any expenses incurred on Outpatient treatment (OPD treatment) unless covered"],"display":"Waiting period exclusions for PED, first 30 days and specified diseases, plus investigation/evaluation, rest cure, obesity surgery not meeting conditions, change of gender, cosmetic surgery, hazardous sports, breach of law, excluded providers, alcohol/drug abuse, infertility/birth control, maternity, outside-India treatment and OPD unless covered.","note":null,"quote":"Pre-Existing Diseases (Code- Excl01) ... First Thirty Days Waiting Period (Code- Excl03) ... Specific Waiting Period: (Code- Excl02) ... Investigation & Evaluation (Code- Excl04) ... Rest Cure, rehabilitation and respite care (Code- Excl05) ... Obesity/ Weight Control (Code- Excl06) ... Change-of-Gender treatments: (Code- Excl07) ... Cosmetic or plastic Surgery: (Code- Excl08) ... Hazardous or Adventure sports: (Code- Excl09) ... Breach of law: (Code- Excl10) ... Excluded Providers: (Code-Excl11) ... Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. ... Birth control, Sterility and Infertility: (Code- Excl17) ... Maternity Expenses (Code: Excl 18) ... Treatment taken outside the geographical limits of India. ... Any expenses incurred on Outpatient treatment (OPD treatment) unless covered","sources":[{"clause":"6.1","heading":"Pre-Existing Diseases (Code- Excl01)","page":9,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-6-1"},{"clause":"6.2","heading":"First Thirty Days Waiting Period (Code- Excl03)","page":9,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-6-2"},{"clause":"6.3","heading":"Specific Waiting Period: (Code- Excl02)","page":9,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-6-3"},{"clause":"7.1","heading":"Investigation & Evaluation (Code- Excl04)","page":10,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-7-1"},{"clause":"7.2","heading":"Rest Cure, rehabilitation and respite care (Code- Excl05)","page":10,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-7-2"},{"clause":"7.3","heading":"Obesity/ Weight Control (Code- Excl06)","page":10,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-7-3"},{"clause":"7.4","heading":"Change-of-Gender treatments: (Code- Excl07)","page":10,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-7-4"},{"clause":"7.5","heading":"Cosmetic or plastic Surgery: (Code- Excl08)","page":10,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-7-5"},{"clause":"7.6","heading":"Hazardous or Adventure sports: (Code- Excl09)","page":10,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-7-6"},{"clause":"7.7","heading":"Breach of law: (Code- Excl10)","page":11,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-7-7"},{"clause":"7.8","heading":"Excluded Providers: (Code-Excl11)","page":11,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-7-8"},{"clause":"7.9","heading":null,"page":11,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-7-9"},{"clause":"7.14","heading":"Birth control, Sterility and Infertility: (Code- Excl17)","page":11,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-7-14"},{"clause":"7.15","heading":"Maternity Expenses (Code: Excl 18)","page":11,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-7-15"},{"clause":"7.19","heading":null,"page":12,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-7-19"},{"clause":"7.18","heading":"Any expenses incurred on Outpatient treatment (OPD treatment) unless covered","page":12,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-7-18"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact the Branch Manager or Regional Manager of the local office that issued the policy. If dissatisfied after contacting the local office, write or e-mail the Grievance Cell, HO, headed by a senior executive, with Chief Grievance Officer contact details printed in the policy.","display":"First: Branch Manager / Regional Manager of the local office. Second: Grievance Cell, HO / Chief Grievance Officer.","note":null,"quote":"First Step Initially, We suggest you to contact the Branch Manager / Regional Manager of the local office which has issued the Policy. The address and telephone number will be available in the Policy.\nSecond Step Naturally, We hope the issue can be resolved to your satisfaction at the earlier stage itself. But if you feel dissatisfied with the suggested resolution of the issue after contacting the local office, please e-mail or write to Grievance Cell, HO, headed by a senior executive which will be directly under the control of the MD at the below mentioned address: ... Contact Person: Chief Grievance Officer","sources":[{"clause":null,"heading":"12. REDRESSAL OF GRIEVANCE","page":25,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-12-redressal-of-grievance"},{"clause":null,"heading":"Contact Person: Chief Grievance Officer","page":25,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-contact-person-chief-grievance-officer"}],"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":"₹ 50,000 to 10,00,000 in multiples of 50,000, and 15L, 20L, 25L, 50L, 1Cr.","display":"₹ 50,000 to 10,00,000 in multiple of 50,000, 15L, 20L, 25L, 50L, 1Cr.","note":"Quoted from the prospectus; the policy wording states the sum insured is specified in the policy schedule.","quote":"Sum insured: ₹ 50,000 to 10,00,000 in multiple of 50,000, 15L, 20L, 25L, 50L, 1Cr.","sources":[{"clause":null,"heading":"C. Sum Insured Available","page":4,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15917#c-c-sum-insured-available"}],"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":"Does not apply to covered accident claims; also does not apply if the insured person has continuous coverage for more than twelve months.","quote":"i) Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered.","sources":[{"clause":"6.2","heading":"First Thirty Days Waiting Period (Code- Excl03)","page":9,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-6-2"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"quote-verified","value":{"unit":"months","amount":36},"display":"36 months","note":"Coverage after 36 months is subject to the PED being declared at application and accepted by the insurer; the optional PED waiting period reduction add-on can reduce this to 24 months for persons with pre-existing disease/conditions.","quote":"a) Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first policy with us.","sources":[{"clause":"6.1","heading":"Pre-Existing Diseases (Code- Excl01)","page":9,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-6-1"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"quote-verified","value":{"unit":"months","amount":24},"display":"24 months; 36 months for joint replacement and age-related osteoarthritis/osteoporosis.","note":"Not applicable for claims arising due to an accident; if the disease/procedure is also a pre-existing disease, the longer waiting period applies.","quote":"a) Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 24/36 months of continuous coverage after the date of inception of the first policy with the Insurer. ... i) 24 Months Waiting Period: ... ii) 36 Months waiting period\n1. Treatment for joint replacement unless arising from accident.\n2. Age-related Osteoarthritis & Osteoporosis","sources":[{"clause":"6.3","heading":"Specific Waiting Period: (Code- Excl02)","page":9,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-6-3"},{"clause":"6.3(e)(i)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-6-3-e-i"},{"clause":"6.3(e)(ii)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-6-3-e-ii"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"quote-verified","value":["Benign ENT disorders","Tonsillectomy","Adenoidectomy","Mastoidectomy","Tympanoplasty","Hysterectomy","All internal and external benign tumors, cysts, polyps of any kind, including benign breast lumps","Benign prostate hypertrophy","Cataract and age-related eye ailments","Gastric/ Duodenal Ulcer","Gout and Rheumatism","Hernia of all types","Hydrocele","Non Infective Arthritis","Piles, Fissures and Fistula in anus","Pilonidal sinus, Sinusitis and related disorders","Prolapse inter Vertebral Disc and Spinal Diseases unless arising from accident","Calculi in urinary system, Gall Bladder and Bile duct, excluding malignancy.","Varicose Veins and Varicose Ulcers","Internal Congenital Anomalies","Derangement of Knee / Ligament or Tendon, unless due to an accident event within the Policy Period","Treatment for joint replacement unless arising from accident.","Age-related Osteoarthritis & Osteoporosis"],"display":"Listed 24-month conditions include benign ENT disorders, cataract, hernia, piles/fissures/fistula, calculi, varicose veins and others; 36-month conditions are joint replacement and age-related osteoarthritis/osteoporosis.","note":null,"quote":"i) 24 Months Waiting Period:\n1. Benign ENT disorders\n2. Tonsillectomy\n3. Adenoidectomy\n4. Mastoidectomy\n5. Tympanoplasty\n6. Hysterectomy\n7. All internal and external benign tumors, cysts, polyps of any kind, including benign breast lumps\n8. Benign prostate hypertrophy\n9. Cataract and age-related eye ailments\n10. Gastric/ Duodenal Ulcer\n11. Gout and Rheumatism\n12. Hernia of all types\n13. Hydrocele\n14. Non Infective Arthritis\n15. Piles, Fissures and Fistula in anus\n16. Pilonidal sinus, Sinusitis and related disorders\n17. Prolapse inter Vertebral Disc and Spinal Diseases unless arising from accident\n18. Calculi in urinary system, Gall Bladder and Bile duct, excluding malignancy.\n19. Varicose Veins and Varicose Ulcers\n20. Internal Congenital Anomalies\n21. Derangement of Knee / Ligament or Tendon, unless due to an accident event within the Policy Period ... ii) 36 Months waiting period\n1. Treatment for joint replacement unless arising from accident.\n2. Age-related Osteoarthritis & Osteoporosis","sources":[{"clause":"6.3(e)(i)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-6-3-e-i"},{"clause":"6.3(e)(ii)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-6-3-e-ii"}],"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 only 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 company on grounds of non-disclosure, misrepresentation, except on grounds of established fraud. This period of sixty continuous months is called as moratorium period.","sources":[{"clause":"8","heading":"MORATORIUM PERIOD","page":12,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-8"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"quote-verified","value":"The insured person can port the entire policy with family members to another insurer by applying at least 30 days before, but not earlier than 60 days from, the renewal date. Accrued continuity benefits in waiting periods are available as per IRDAI portability guidelines.","display":"Yes, to other insurers with accrued continuity benefits; apply 30 to 60 days before renewal.","note":"The policyholder is entitled to transfer credits for Sum Insured, No Claim Bonus, specific waiting periods, PED waiting period, Moratorium period etc. to the extent of the previous policy.","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 30 days before, but not earlier than 60 days from the policy renewal date as per IRDAI guidelines related to portability. If such person is presently covered and has been continuously covered without any lapses under any health insurance policy with an Indian General/Health insurer, the proposed insured person will get the accrued continuity benefits in waiting periods as per IRDAI guidelines on portability.","sources":[{"clause":"10.14","heading":"Portability","page":16,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-10-14"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"quote-verified","value":true,"display":"Yes, renewable except on stated grounds.","note":"The wording states renewal cannot be denied except on the printed grounds, but does not use the words lifelong renewal.","quote":"i) The health insurance policy shall be renewable except on grounds of established fraud, or non-disclosure misrepresentation by the insured, provided the policy is not withdrawn and also subject to Moratorium clause.","sources":[{"clause":"10.15(i)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-10-15-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":"Renewal premium loading is at portfolio level and not based on an individual policy's claim experience. The policy also states no loading shall apply on renewals based on individual claims experience.","display":"No individual claim-based renewal loading.","note":null,"quote":"iv) For individual products, the loadings on renewal premium shall be at portfolio and not based upon any individual policy claim experience. ... xi. No loading shall apply on renewals based on individual claims experience","sources":[{"clause":"10.15(iv)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-10-15-iv"},{"clause":"10.15(vii)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-10-15-vii"}],"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 during the term by giving 7 days written notice. For policy term up to one year, the company refunds proportionate premium for the unexpired period if no claim has been made; for policies with term more than 1 year, it refunds premium for the unexpired policy period where risk coverage for those policy years has not commenced.","display":"7 days notice; proportionate refund for unexpired period if no claim for term up to one year, and refund for uncommenced risk years for terms over 1 year.","note":null,"quote":"The policyholder may cancel his/her policy at any time during the term, by giving 7 days notice in writing. The Company shall\na) refund proportionate premium for unexpired policy period, if the term of policy upto one year and there is no claim (s) made during the policy period\nb) refund premium for the unexpired policy period, in respect of policies with term more than 1 year and risk coverage for such policy years has not commenced.","sources":[{"clause":"10.10","heading":"Cancellation A. Cancellation by Insured/Policy Holder","page":15,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-10-10"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"All medical treatment for this insurance must be taken in India only.","display":"India only","note":null,"quote":"All medical treatment for the purpose of this insurance will have to be taken in India only.","sources":[{"clause":"10.7","heading":"Territorial Limit","page":14,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-10-7"}],"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":"Not applicable at renewal; available if the policy period is one year or more.","quote":"At the time of inception of the policy, the Insured will be allowed a period of 30 days from the date of receipt of the policy to review the terms and conditions of the policy and to return the policy if not acceptable.","sources":[{"clause":"10.18","heading":"Free look period","page":17,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-10-18"}],"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 where premium payment mode is monthly and 30 days in all other cases.","note":"30 days applies in all cases other than monthly premium payment mode.","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":"3(c)(iv)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-3-c-iv"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"The proposer must be age 18 years or above. Dependent children can be covered from 3 month to 25 years; no maximum proposer age is stated in the eligibility clause.","display":"Proposer: 18 years or above; dependent children: 3 month to 25 years.","note":null,"quote":"Policy can be availed by persons age 18 years and above, as Proposer. Proposer with higher age can obtain policy for family, without covering self. Policy can be availed for Self and the following family members a. Legally wedded Spouse b. Parents and Parents-in-law c. Dependent children i.e. (natural or legally adopted) between the age of 3 month to 25 years","sources":[{"clause":null,"heading":"TABLE OF BENEFITS","page":26,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-table-of-benefits"}],"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":["Annual","Half yearly","Quarterly","Monthly"],"display":"Annual, Half yearly, Quarterly, Monthly","note":"Quoted from the prospectus instalment loading table.","quote":"Instalment Frequency | Loading\nAnnual | 0%\nHalf yearly | 2%\nQuarterly | 3%\nMonthly | 4%","sources":[{"clause":null,"heading":"C. Instalment Loading","page":21,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15917#c-c-instalment-loading"}],"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":["Pre /Post Hospitalization","Room Capping","ICU Capping","Co-Pay Waiver","Single AC Room","ICU No Limit","Restoration Benefit","Bonus Boost","Consumable Waiver","Ambulance Plus","Zone Based Discount","Pre-existing disease waiting period reduction"],"display":"Value Pack add-ons: Pre/Post Hospitalization, Room Capping, ICU Capping, Co-Pay Waiver, Single AC Room, ICU No Limit, Restoration Benefit, Bonus Boost, Consumable Waiver, Ambulance Plus, Zone Based Discount, and Pre-existing disease waiting period reduction.","note":"The wording says these covers are available only if additional premium has been received and the optional cover is specified in the policy.","quote":"Optional Cover | If opted by the insured Revised Limits Add-ons Coverages 1. Pre /Post Hospitalization 60/90 Days 2. Room Capping Up to 2% of the sum insured subject to maximum of Rs.10000/-, per day 3. ICU Capping Up to 5% of the sum insured subject to maximum of Rs.20,000/- per day 4. Co-Pay Waiver 5% co-payment not applicable on Claim 5. Single AC Room Up to the Policy Sum Insured 6. ICU No Limit Up to the Policy Sum Insured ... 7. Restoration Benefit ... 8. Bonus Boost ... 9. Consumable Waiver ... 10. Ambulance Plus ... 11. Zone Based Discount ... 12. Pre-existing disease waiting period reduction","sources":[{"clause":null,"heading":"TABLE OF BENEFITS","page":26,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-table-of-benefits"}],"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 during the grace period need not be available where no premium is received, but the insurer shall offer coverage during the grace period if premium is paid in instalments during the policy period.","display":"Available during grace period for instalment premiums during the policy period; otherwise coverage need not be available.","note":null,"quote":"Coverage need not be available during the period for which no premium is received. 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. Provided the insurers shall offer coverage during the grace period, if the premium is paid in instalments during the policy period.","sources":[{"clause":"3(c)(iv)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-3-c-iv"}],"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":"Room Rent, Boarding and Nursing Expenses are covered up to 2% of the sum insured, subject to maximum Rs.5000/- per day. Optional Room Capping can increase the cap to Rs.10000/- per day and optional Single AC Room changes the limit to Single Private AC Room.","display":"Up to 2% of sum insured, maximum Rs.5000/- per day.","note":"Optional add-ons can revise this limit to Rs.10000/- per day or to Single Private AC Room.","quote":"i) Room Rent, Boarding, Nursing Expenses all-inclusive as provided by the Hospital / Nursing Home up to 2% of the sum insured subject to maximum of Rs.5000/-, per day. ... i) Room Rent, Boarding, Nursing Expenses all-inclusive as provided by the Hospital / Nursing Home up to 2% of the sum insured subject to maximum of Rs.10000/-, per day. ... Room Rent, Boarding, Nursing Expenses all-inclusive as provided by the Hospital / Nursing Home up to Single Private AC Room available in hospital.","sources":[{"clause":"4.1","heading":"Hospitalization","page":7,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-4-1"},{"clause":"11(i)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-11-i"},{"clause":null,"heading":"5. Single AC Room","page":20,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-5-single-ac-room"}],"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 base policy uses a percentage and rupee room-rent limit rather than a room category. If the Single AC Room add-on is opted, the room limit is Single Private AC Room available in hospital, excluding suite.","display":"Base: no room category limit; optional Single Private AC Room add-on.","note":"The Single AC Room limit applies only if the add-on is opted.","quote":"i) Room Rent, Boarding, Nursing Expenses all-inclusive as provided by the Hospital / Nursing Home up to 2% of the sum insured subject to maximum of Rs.5000/-, per day. ... Room Rent, Boarding, Nursing Expenses all-inclusive as provided by the Hospital / Nursing Home up to Single Private AC Room available in hospital. Specific Definitions - Single AC room (Excluding Suite) means an air-conditioned room in a Hospital where a single patient along with the attendant is accommodated and which has an attached toilet (lavatory & bath).","sources":[{"clause":"4.1","heading":"Hospitalization","page":7,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-4-1"},{"clause":null,"heading":"5. Single AC Room","page":20,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-5-single-ac-room"}],"law":[]},{"key":"icu_limit","label":"ICU limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for intensive care.","status":"quote-verified","value":"ICU/ICCU charges are covered up to 5% of the sum insured, subject to maximum Rs.10,000/- per day. Optional ICU Capping can increase this to Rs.20,000/- per day and optional ICU No Limit covers actual expenses up to the policy sum insured.","display":"Up to 5% of sum insured, maximum Rs.10,000/- per day.","note":"Optional ICU Capping and ICU No Limit apply only if opted.","quote":"ii) Intensive Care Unit (ICU) charges/ Intensive Cardiac Care Unit (ICCU) charges all-inclusive as provided by the Hospital / Nursing Home up to 5% of the sum insured subject to maximum of Rs.10,000/-, per day. ... Intensive Care Unit (ICU) charges/ Intensive Cardiac Care Unit (ICCU) charges all-inclusive as provided by the Hospital / Nursing Home up to 5% of the sum insured subject to maximum of Rs.20,000/-, per day. ... Intensive Care Unit (ICU) charges/ Intensive Cardiac Care Unit (ICCU) charges all-inclusive as provided by the Hospital / Nursing Home up to actual expenses subject to maximum of policy sum insured.","sources":[{"clause":"4.1","heading":"Hospitalization","page":7,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-4-1"},{"clause":null,"heading":"3. ICU Capping","page":19,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-3-icu-capping"},{"clause":null,"heading":"6. ICU No Limit","page":20,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-6-icu-no-limit"}],"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, ICU or ICCU at rates exceeding the limits, all other hospital expenses except cost of medicines are reimbursed in the same proportion as the admissible rate bears to the actual room/ICU/ICCU rate.","display":"Yes, proportionate deduction applies except cost of medicines.","note":null,"quote":"2. In case of admission to a room/ICU/ICCU at rates exceeding the aforesaid limits, the reimbursement/payment of all other expenses incurred at the Hospital, with the exception of cost of medicines, shall be effected in the same proportion as the admissible rate per day bears to the actual rate per day of Room Rent/ICU/ICCU charges.","sources":[{"clause":"4.1.1","heading":"Other Expenses","page":7,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-4-1-1"}],"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":"quote-verified","value":"Each claim is subject to a 5% co-payment on the admissible and payable claim amount. The optional Co-Pay Waiver add-on removes mandatory co-payment section 9.5 for admissible claims under the base policy.","display":"5% co-pay on every admissible claim; optional Co-Pay Waiver.","note":"Co-Pay Waiver applies only if the add-on is opted.","quote":"Each and every claim under the Policy shall be subject to a Copayment of 5% applicable to claim amount admissible and payable as per the terms and conditions of the Policy. The amount payable shall be after deduction of the copayment. ... If this Add on is opted, then mandatory Copayment section 9.5 shall not be applicable on admissible claim under the base Policy","sources":[{"clause":"9.5","heading":"Co-payment","page":13,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-9-5"},{"clause":null,"heading":"4. Co-Pay Waiver","page":20,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-4-co-pay-waiver"}],"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":"quote-verified","value":["Cataract: 25% of Sum Insured or Rs.40,000/-, whichever is lower, per eye, under one policy year","Uterine Artery Embolization and HIFU, Balloon Sinuplasty, Deep Brain Stimulation, Oral Chemotherapy, Immunotherapy, Intravitreal Injection, Robotic Surgeries, Stereotactic radio surgeries, Bronchial thermoplasty, Vaporization of Prostate, IONM, Stem Cell Therapy: up to 50% of sum insured"],"display":"Cataract: 25% of Sum Insured or Rs.40,000/- per eye, whichever is lower; specified modern procedures: up to 50% of sum insured.","note":null,"quote":"The Company shall indemnify Medical Expenses incurred for treatment of Cataract, subject to a limit of 25% of Sum Insured or Rs.40,000/-, whichever is lower, per eye, under one policy year. ... Following procedure will be covered (wherever medically indicate) either as in patient or as part of the day care treatment in a hospital up to 50% of sum insured, specified the schedule, during the policy period. A. Uterine Artery Embolization and HIFU (High Intensity Focused Ultrasound) B. Balloon Sinuplasty ... C. Deep Brain Stimulation D. Oral Chemotherapy E. Immunotherapy – (Monoclonal Antibody to be given as injection) F. Intravitreal Injection G. Robotic Surgeries H. Stereotactic radio surgeries. ... I) Bronchial thermoplasty J. Vaporization of Prostate (Green laser treatment or holmium laser treatment) K. IONM- (Intra Operative Neuro Monitoring) L. Stem Cell Therapy: Hematopoietic stem cell for bone marrow transplant for hematological conditions to covered.","sources":[{"clause":"4.3","heading":"Cataract Treatment","page":7,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-4-3"},{"clause":"4.6","heading":null,"page":7,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-4-6"},{"clause":"4.6(I)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-4-6-i"}],"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 days","note":"Optional Pre and Post Hospitalization Medical Expenses add-on extends pre-hospitalisation to 60 days.","quote":"The Company shall indemnify Pre-Hospitalization Medical Expenses incurred, related to an admissible Hospitalization requiring Inpatient Care, for a fixed period of 30 days prior to the date of admissible Hospitalization covered under the Policy. ... The Company shall indemnify Pre-Hospitalization Medical Expenses incurred, related to an admissible Hospitalization requiring Inpatient Care, for a fixed period of 60 days prior to the date of admissible Hospitalization covered under the Policy.","sources":[{"clause":"4.4","heading":"Pre-Hospitalization","page":7,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-4-4"},{"clause":null,"heading":"Pre-Hospitalization","page":19,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-pre-hospitalization"}],"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 days","note":"Optional Pre and Post Hospitalization Medical Expenses add-on extends post-hospitalisation to 90 days.","quote":"The Company shall indemnify Post Hospitalization Medical Expenses incurred, related to an admissible Hospitalization requiring Inpatient Care, for a fixed period of 60 days from the date of discharge from the Hospital, towards Consultant fees, Diagnostic charges, Medicines and Drugs wherever required and recommended by the Hospital/ Medical Practitioner, where the treatment was taken, following an admissible Hospitalization covered under the Policy. ... The Company shall indemnify Post Hospitalization Medical Expenses incurred, related to an admissible Hospitalization requiring Inpatient Care, for a fixed period of 90 days from the date of discharge from the Hospital","sources":[{"clause":"4.5","heading":"Post Hospitalization","page":7,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-4-5"},{"clause":null,"heading":"Post Hospitalization","page":19,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-post-hospitalization"}],"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":"All day care treatment is covered. The minimum 24 consecutive hours hospitalisation requirement does not apply to Day Care Treatment.","display":"All day care treatment covered; 24-hour minimum does not apply.","note":null,"quote":"iv) All day care treatment ... Expenses of Hospitalization for a minimum period of 24 consecutive hours only shall be admissible. However, the time limit shall not apply in respect of Day Care Treatment","sources":[{"clause":"4.1.1","heading":"Other Expenses","page":7,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-4-1-1"}],"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 not covered.","display":"Excluded.","note":"This exclusion appears in the prospectus; the policy wording exclusion clause expressly mentions OPD but not domiciliary hospitalisation.","quote":"Any expenses incurred on Domiciliary Hospitalization and Outpatient treatment (OPD treatment)","sources":[{"clause":"21","heading":null,"page":7,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15917#c-21"}],"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 under Ayurveda, Yoga and Naturopathy, Unani, Sidha and Homeopathy is covered in any AYUSH hospital up to the sum insured limit specified in the policy schedule.","display":"Covered up to the sum insured in any AYUSH hospital.","note":null,"quote":"The Company shall indemnify Medical Expenses incurred for Inpatient Care treatment under Ayurveda, Yoga and Naturopathy, Unani, Sidha and Homeopathy systems of medicines during the each policy year upto the limit of sum insured as specified in the policy schedule in any AYUSH hospital.","sources":[{"clause":"4.2","heading":"AYUSH Treatment","page":7,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-4-2"}],"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":"The listed modern treatments are covered, wherever medically indicated, as inpatient or day care treatment in a hospital up to 50% of sum insured.","display":"Covered up to 50% of sum insured for listed procedures.","note":null,"quote":"Following procedure will be covered (wherever medically indicate) either as in patient or as part of the day care treatment in a hospital up to 50% of sum insured, specified the schedule, during the policy period. A. Uterine Artery Embolization and HIFU (High Intensity Focused Ultrasound) B. Balloon Sinuplasty ... C. Deep Brain Stimulation D. Oral Chemotherapy E. Immunotherapy – (Monoclonal Antibody to be given as injection) F. Intravitreal Injection G. Robotic Surgeries H. Stereotactic radio surgeries. ... I) Bronchial thermoplasty J. Vaporization of Prostate (Green laser treatment or holmium laser treatment) K. IONM- (Intra Operative Neuro Monitoring) L. Stem Cell Therapy: Hematopoietic stem cell for bone marrow transplant for hematological conditions to covered.","sources":[{"clause":"4.6","heading":null,"page":7,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-4-6"},{"clause":"4.6(I)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-4-6-i"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"ambulance","label":"Ambulance cover","section":"Cover","meaning":"Road (and air) ambulance cover and its limit.","status":"quote-verified","value":"Base cover pays road ambulance expenses up to 2000/- per hospitalization. Optional Ambulance Plus covers road or air ambulance, with road ambulance actuals up to sum insured and air ambulance liability restricted to the policy sum insured.","display":"Road ambulance up to 2000/- per hospitalization; optional Ambulance Plus for road or air ambulance up to sum insured.","note":"Air ambulance is only under the optional Ambulance Plus add-on and has additional emergency and transport conditions.","quote":"v) Expenses incurred for road ambulance subject to a maximum of 2000/- per hospitalization ... In consideration of the payment of additional premium, it is hereby agreed and declared that, notwithstanding anything to the contrary in this policy or in any of its conditions, the policy extends to indemnify for expenses incurred for Road or Air Ambulance subject to if we will pay claim under section 4 – Coverage. ... Expenses incurred on Road Ambulance services ... shall be indemnified for actuals up to Sum Insured ... Our maximum liability under this Benefit for any and all claims arising during the Policy Year will be restricted to the policy Sum insured.","sources":[{"clause":"4.1.1","heading":"Other Expenses","page":7,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-4-1-1"},{"clause":null,"heading":"10. Ambulance plus","page":23,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-10-ambulance-plus"},{"clause":null,"heading":"A. Road Ambulance","page":23,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-a-road-ambulance"},{"clause":null,"heading":"B. Air Ambulance","page":23,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-b-air-ambulance"}],"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":"quote-verified","value":"None in the base cover unless the optional Restoration Benefit add-on is bought. If bought, after complete exhaustion of sum insured and cumulative bonus in the policy year, the company restores sum insured unlimited times, subject to maximum 100% of sum insured each time, for subsequent hospitalisation for an unrelated illness or disease.","display":"Optional only: unlimited restorations up to 100% of sum insured each time, for unrelated disease after complete exhaustion.","note":"Optional cover sold for additional premium.","quote":"In consideration of the payment of additional premium, the policy is extended to cover Restoration Benefit add-on. Restoration benefit is an Add-on which can be endorsed along with the Base Plan only and cannot be bought in isolation or as a separate product. ... Upon complete exhaustion of the Sum Insured and Cumulative Bonus during the Policy Year, The Company will restore Sum Insured unlimited times subject to maximum 100% of Sum Insured each time. ... The Restoration Benefit can be utilized for subsequent Hospitalization only for an illness or disease unrelated to the illness / disease for which claim/s was /were not made.","sources":[{"clause":null,"heading":"7. Restoration Benefit","page":20,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-7-restoration-benefit"}],"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":"quote-verified","value":"Cumulative Bonus increases by 5% for each claim-free policy year, subject to maximum 50% of the current policy year's sum insured, if renewed continuously without break. If a claim is made, accrued cumulative bonus is reduced at the same rate; the sum insured is not reduced.","display":"5% per claim-free year, maximum 50% of sum insured; reduced at same rate after a claim.","note":"Optional Bonus Boost add-on replaces the inbuilt cumulative bonus with 25% per claim-free year, maximum 250% of sum insured.","quote":"Cumulative Bonus will be increased by 5% in respect of each claim free policy year (no claims are reported), provided the policy is continuously renewed with the company without a break subject to maximum of 50% of the sum insured under the current policy year. If a claim is made in any particular year, the cumulative bonus accrued shall be reduced at the same rate at which it has accrued. However, sum insured will be maintained and will not be reduced in the policy year. ... Bonus Boost will be increased sum insured by 25% in respect of each claim free policy year (when no claims are reported), provided the policy is continuously renewed with the company without a break subject to maximum of 250% of the sum insured under the current policy year.","sources":[{"clause":"5","heading":"CUMULATIVE BONUS (CB)","page":8,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-5"},{"clause":null,"heading":"8. Bonus Boost (BB)","page":21,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-8-bonus-boost-bb"}],"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":"Base policy excludes expenses placed under Annexure I List I, II, III and IV. Optional Consumables Waiver add-on indemnifies expenses for consumables specified in Annexure I – List I consumed during hospitalisation and directly related to treatment, subject to exclusions.","display":"Excluded in base; optional Consumables Waiver covers Annexure I – List I consumables.","note":"Consumables Waiver is optional and requires the main claim to be admissible under in-patient hospitalisation or daycare treatment.","quote":"The expenses that are not covered in the policy are placed under the List -I,II,III and IV of Annexure I. ... Consumables Waiver In consideration of the payment of additional premium, it is hereby agreed and declared that, notwithstanding anything to the contrary in this policy or in any of its conditions, the policy extends to indemnify for expenses incurred for consumables as specified in ‘Annexure I – List I’ which are consumed during the period of hospitalization directly related to the insured’s medical or surgical treatment of illness/disease/injury.","sources":[{"clause":"7.21","heading":null,"page":12,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-7-21"},{"clause":"11(xii)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-11-xii"}],"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 expenses are excluded, including childbirth expenses and miscarriage expenses, except ectopic pregnancy and miscarriage due to an accident as printed.","display":"Excluded, except ectopic pregnancy and miscarriage due to accident.","note":null,"quote":"i) 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 period.","sources":[{"clause":"7.15","heading":"Maternity Expenses (Code: Excl 18)","page":11,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-7-15"}],"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":null,"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":null,"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"Outpatient treatment expenses are excluded unless covered.","display":"OPD excluded unless covered.","note":"No OPD cover is listed among the base covers.","quote":"Any expenses incurred on Outpatient treatment (OPD treatment) unless covered","sources":[{"clause":"7.18","heading":"Any expenses incurred on Outpatient treatment (OPD treatment) unless covered","page":12,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-7-18"}],"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":"quote-verified","value":"For premium computation, the country is divided into 3 zones and premium depends on the city of residence and pin code of the insured person. The clause does not say that co-pay depends on the city of treatment.","display":"Premium depends on city of residence and pin code; 3 zones.","note":"Zone Based Discount is listed as an add-on/discount feature.","quote":"For the purpose of premium computation, the country has been divided into 3 zones. ... The premium will depend on the city of residence and pin code of the insured person.","sources":[{"clause":null,"heading":"11. Zone Based Discount","page":24,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-11-zone-based-discount"}],"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 treatment may be taken in a network provider and is subject to pre-authorization by the Company or its authorized TPA. If cashless access is denied, the insured may take treatment and submit documents for reimbursement.","display":"Available at network providers subject to pre-authorization by the Company or TPA.","note":null,"quote":"i) Treatment may be taken in a network provider and is subject to pre-authorization by the Company or its authorized TPA. ... vi) In case of denial of cashless access the insured person may obtain the treatment as per treating doctor's advice and submit the claim documents lo the Company/TPA for reimbursement.","sources":[{"clause":"9.1","heading":"Procedure for Cashless claims","page":12,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-9-1"}],"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 servicing may be done by the Company or its authorized TPA. TPA services include pre-authorization of cashless treatment or processing claims, but do not include claim settlement or rejection.","display":"Company or authorized TPA; TPA services do not include claim settlement or rejection.","note":null,"quote":"Treatment may be taken in a network provider and is subject to pre-authorization by the Company or its authorized TPA. ... Servicing of claims, i.e., claim admissions and assessments, under this Policy by way of pre-authorization of cashless treatment or processing of claims other than cashless claims or both, as per the underlying terms and conditions of the policy. The services offered by a TPA shall not include\ni) Claim settlement and claim rejection;","sources":[{"clause":"9.1","heading":"Procedure for Cashless claims","page":12,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-9-1"},{"clause":"9.7","heading":"Services Offered by TPA","page":13,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918#c-9-7"}],"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, family floater basis available.","note":"The benefits table says on floater basis the sum insured applies to the entire family.","quote":"Individual as well as Family Floater Basis.","sources":[{"clause":null,"heading":"D. Policy Available","page":4,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15917#c-d-policy-available"}],"law":[]}],"documents":[{"kind":"wording","label":"Shri Health Suraksha Insurance Policy (policy wordings)","pages":33,"fetched_at":"2026-10-17 20:07:04+00","source_url":"https://cdn.shriramgi.com/webassets/download/policy-wordings/f71f9b64-bc18-4b7a-8031-0c16560e6c9c_Policy-Wording-Shri-Health-Suraksha-Insurance-Policy-Updated.pdf","url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15770"},{"kind":"wording","label":"Shri Health Suraksha Insurance Policy (policy wordings)","pages":33,"fetched_at":"2026-10-17 20:09:22+00","source_url":"https://cdn.shriramgi.com/webassets/download/policy-wordings/abc2a115-6f7f-4faf-999a-a16d6524b360_Policy_Wordings.pdf","url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15918"},{"kind":"prospectus","label":"Shri Health Suraksha Insurance Policy (prospectus)","pages":24,"fetched_at":"2026-10-17 20:07:34+00","source_url":"https://cdn.shriramgi.com/webassets/download/prospectus/b8ab8298-7a50-490b-8f4d-36f96b4244c4_Prospectus-Shri-Health-Suraksha-Insurance-Policy-Updated.pdf","url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15787"},{"kind":"prospectus","label":"Shri Health Suraksha Insurance Policy (prospectus)","pages":22,"fetched_at":"2026-10-17 20:09:25+00","source_url":"https://cdn.shriramgi.com/webassets/download/prospectus/7c45f102-24da-468c-a120-48f8dc187eeb_Prospectus.pdf","url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627/document/15917"}],"versions":[{"uin":"SGLHLIP26035V022425","version":null,"approved_on":null},{"uin":"SGLHLIP26035V032627","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Shriram General Insurance official website","url":"https://www.shriramgi.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claims","url":"https://www.shriramgi.com/claims","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal mechanism","url":"https://www.shriramgi.com/grievance-redressal-mechanism","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":"Bike insurance renewal","url":"https://www.shriramgi.com/bike-renewal","note":null},{"purpose":"renew","kind":"insurer","name":"Car insurance renewal","url":"https://www.shriramgi.com/car-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":"Shri Health Suraksha Insurance Policy (UIN SGLHLIP26035V032627), IndiaInsurances, https://indiainsurances.com/policy/shriram-general-insurance/shri-health-suraksha-insurance-policy-sglhlip26035v032627"}