{"uin":"TATHLIP27062V022627","name":"Model Policy for Persons with Disabilities and HIV/AIDS, Tata AIG","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/model-policy-for-persons-with-disabilities-and-hiv-aids-tata-aig-tathlip27062v022627","insurer":{"slug":"tata-aig-general-insurance","name":"Tata AIG General Insurance Company Limited","url":"https://indiainsurances.com/insurer/tata-aig-general-insurance"},"line":"health","category":"disease-specific","category_name":"Disease-specific cover","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"This is a 1 Year indemnity health policy for persons with specified disabilities and individuals with HIV/AIDS. It pays medically necessary hospitalisation expenses up to the Sum Insured, with sum insured options of 4 Lacs and 5 Lacs.","analysis":{"state":"machine","analysed_at":"2026-10-19 22:50:43.48733+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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"1 Year","display":"1 Year","note":null,"quote":"Policy Period | 1 Year","sources":[{"clause":"10.7","heading":"Payment of Claim","page":33,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/model-policy-for-persons-with-disabilities-and-hiv-aids-tata-aig-tathlip27062v022627/document/16989#c-10-7"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"For cashless claims, notice with full particulars must be sent within 24 hours from emergency hospitalisation or before discharge, whichever is earlier, and at least 48 hours before planned hospitalisation.","display":"Cashless: within 24 hours for emergency hospitalisation or before discharge, whichever is earlier; at least 48 hours before planned hospitalisation","note":null,"quote":"Notice with full particulars shall be sent to the Company/TPA (if applicable) as under:\nCashless Claims:\nI) Within 24 hours from the date of emergency hospitalization required or before the Insured Person’s discharge from Hospital, whichever is earlier. II) At least 48 hours prior to admission in Hospital in case of a planned Hospitalization.","sources":[{"clause":"10.3","heading":"Notification of Claim","page":31,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/model-policy-for-persons-with-disabilities-and-hiv-aids-tata-aig-tathlip27062v022627/document/16989#c-10-3"}],"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 bills with itemized break-up","Payment receipts","Discharge summary 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/invoices of the Implants, wherever applicable","MLR (Medico Legal Report copy if carried out and FIR (First information report) if 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 proposer in compliance with AML Guidelines","Legal heir/succession certificate, wherever applicable","Any other relevant document required by Company/TPA for assessment of the claim"],"display":"Claim form, patient photo ID, admission prescription, original itemised bills, receipts, discharge summary, investigation reports, OT notes/surgeon certificate, implant stickers/invoices, MLR/FIR if applicable, NEFT and cancelled cheque, KYC, legal heir certificate if applicable, and any other relevant document","note":null,"quote":"The reimbursement claim is to be supported with the following documents and submitted within the prescribed time limit. I) Duly Completed claim form. II) Photo Identity proof of the patient III) Medical practitioner's prescription advising admission. IV) Original bills with itemized break-up V) Payment receipts VI) Discharge summary including complete medical history of the patient along with other details. VII) Investigation/ Diagnostic test reports etc. supported by the prescription from attending medical practitioner VIII) OT notes or Surgeon's certificate giving details of the operation performed (for surgical cases). IX) Sticker/invoices of the Implants, wherever applicable. X) MLR (Medico Legal Report copy if carried out and FIR (First information report) if registered, wherever applicable. XI) NEFT Details (to enable direct credit of claim amount in bank account) and cancelled cheque. XII) KYC (Identity proof with Address) of the proposer in compliance with AML Guidelines XIII) Legal heir/succession certificate, wherever applicable XIV) Any other relevant document required by Company/TPA for assessment of the claim.","sources":[{"clause":null,"heading":"Tata AIG General Insurance Company Limited","page":31,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/model-policy-for-persons-with-disabilities-and-hiv-aids-tata-aig-tathlip27062v022627/document/16989#c-tata-aig-general-insurance-company-limited-31"}],"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 claim payment is delayed, interest is payable from claim intimation to payment at 2% above the bank rate.","display":"15 days from receipt of last necessary document; delayed payment carries interest at 2% above bank rate","note":null,"quote":"i) The Company shall settle or reject a claim as the case may be, 15 days from the date of receipt of last necessary document.\nii) ln the case of delay in the payment of a claim, the Company shall be liable to pay interest to the policyholder from the date of receipt of intimation to the date of payment of claim at a rate 2% above the bank rate.","sources":[{"clause":"3","heading":"Claim Settlement (provision for Penal interest)","page":24,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/model-policy-for-persons-with-disabilities-and-hiv-aids-tata-aig-tathlip27062v022627/document/16989#c-3-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Pre-existing Disease (PED) and its direct complications until the expiry of 24 months for pre-existing disability / 36 months for all pre-existing conditions and HIV/AIDS","treatment of any illness within 30 days from the first policy commencement date except claims arising due to an accident","listed Conditions, surgeries/treatments until the expiry of 24 months","admission primarily for diagnostics and evaluation purposes only","admission primarily for enforced bed rest and not for receiving treatment","surgical treatment of obesity that does not fulfil all the below conditions","treatment, including surgical management, to change characteristics of the body to those of the opposite sex","cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an Accident, Burn(s) or Cancer","treatment necessitated due to participation as a professional in hazardous or adventure sports","treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent","treatment in any hospital or by any Medical Practitioner or any other provider specifically excluded by the Insurer","Alcoholism, drug or substance abuse or any addictive condition and consequences thereof","unproven treatment, services and supplies","sterility and infertility","Medical treatment expenses traceable to childbirth","Any medical treatment taken outside India","cost for any Anti-Retroviral Treatment"],"display":"PED waiting, first 30 days illness waiting, specified disease/procedure waiting, diagnostics/evaluation, rest cure, obesity surgery not meeting conditions, change-of-gender treatment, cosmetic or plastic surgery, professional hazardous/adventure sports, breach of law, excluded providers, substance abuse, unproven treatment, sterility/infertility, maternity, treatment outside India, and Anti-Retroviral Treatment cost","note":null,"quote":"Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 24 months for pre-existing disability (as mentioned in Policy Schedule)/ 36 months for all pre-existing conditions and HIV/AIDS, of continuous coverage after the date of inception of the first policy with insurer. ... 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. ... Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 24 months (mentioned in Policy Schedule) of continuous coverage after the date of inception of the first policy with us. ... a) Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded. ... a) Expenses related to any admission primarily for enforced bed rest and not for receiving treatment. ... Expenses related to the surgical treatment of obesity that does not fulfil all the below conditions: ... Expenses related to any treatment, including surgical management, to change characteristics of the body to those of the opposite sex. ... Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an Accident, Burn(s) or Cancer ... Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports ... Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent. ... Expenses incurred towards treatment in any hospital or by any Medical Practitioner or any other provider specifically excluded by the Insurer ... Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. Code- Excl12 ... Expenses related to any unproven treatment, services and supplies for or in connection with any treatment. ... Expenses related to sterility and infertility. ... i) Medical treatment expenses traceable to childbirth ... 1. Any medical treatment taken outside India. ... i. This cover will exclude cost for any Anti-Retroviral Treatment.","sources":[{"clause":"Excl01(a)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/model-policy-for-persons-with-disabilities-and-hiv-aids-tata-aig-tathlip27062v022627/document/16989#c-excl01-a"},{"clause":"Excl03","heading":"First 30 Days Waiting Period (Code- Excl 03)","page":18,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/model-policy-for-persons-with-disabilities-and-hiv-aids-tata-aig-tathlip27062v022627/document/16989#c-excl03"},{"clause":"Excl02","heading":"Specified Disease/Procedure Waiting Period (Code- Excl 02)","page":18,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/model-policy-for-persons-with-disabilities-and-hiv-aids-tata-aig-tathlip27062v022627/document/16989#c-excl02"},{"clause":"Excl04","heading":"Investigation & Evaluation- Code- Excl04","page":20,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/model-policy-for-persons-with-disabilities-and-hiv-aids-tata-aig-tathlip27062v022627/document/16989#c-excl04"},{"clause":"Excl05","heading":"Rest Cure, rehabilitation, and respite care- Code- Excl05","page":20,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/model-policy-for-persons-with-disabilities-and-hiv-aids-tata-aig-tathlip27062v022627/document/16989#c-excl05"},{"clause":"Excl06","heading":"Obesity/ Weight Control: Code- Excl06","page":20,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/model-policy-for-persons-with-disabilities-and-hiv-aids-tata-aig-tathlip27062v022627/document/16989#c-excl06"},{"clause":null,"heading":"Tata AIG General Insurance Company Limited","page":20,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/model-policy-for-persons-with-disabilities-and-hiv-aids-tata-aig-tathlip27062v022627/document/16989#c-tata-aig-general-insurance-company-limited-20"},{"clause":"Excl08","heading":"Cosmetic or plastic Surgery: Code- Excl08","page":21,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/model-policy-for-persons-with-disabilities-and-hiv-aids-tata-aig-tathlip27062v022627/document/16989#c-excl08"},{"clause":"Excl09","heading":"Hazardous or Adventure sports: Code- Excl09","page":21,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/model-policy-for-persons-with-disabilities-and-hiv-aids-tata-aig-tathlip27062v022627/document/16989#c-excl09"},{"clause":"Excl10","heading":"Breach of law: Code- Excl10","page":21,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/model-policy-for-persons-with-disabilities-and-hiv-aids-tata-aig-tathlip27062v022627/document/16989#c-excl10"},{"clause":"Excl11","heading":"Excluded Providers: Code- Excl11","page":21,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/model-policy-for-persons-with-disabilities-and-hiv-aids-tata-aig-tathlip27062v022627/document/16989#c-excl11"},{"clause":"Excl16","heading":"Unproven Treatments: Code- Excl16","page":22,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/model-policy-for-persons-with-disabilities-and-hiv-aids-tata-aig-tathlip27062v022627/document/16989#c-excl16"},{"clause":"Excl17","heading":"Sterility and Infertility: Code- Excl17","page":22,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/model-policy-for-persons-with-disabilities-and-hiv-aids-tata-aig-tathlip27062v022627/document/16989#c-excl17"},{"clause":"Excl18","heading":"Maternity: Code Excl18","page":22,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/model-policy-for-persons-with-disabilities-and-hiv-aids-tata-aig-tathlip27062v022627/document/16989#c-excl18"},{"clause":null,"heading":"8.2 Specific Exclusions","page":22,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/model-policy-for-persons-with-disabilities-and-hiv-aids-tata-aig-tathlip27062v022627/document/16989#c-8-2-specific-exclusions"},{"clause":null,"heading":"Condition","page":20,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/model-policy-for-persons-with-disabilities-and-hiv-aids-tata-aig-tathlip27062v022627/document/16989#c-condition"}],"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 Tata AIG Customer Support by phone or email. If unresolved, escalate to manager.customersupport@tataaig.com, then to the Head of Customer Services at head.customerservices@tataaig.com, before approaching the Insurance Ombudsman or Bima Bharosa portal.","display":"Customer Support → manager.customersupport@tataaig.com → head.customerservices@tataaig.com → Insurance Ombudsman/Bima Bharosa","note":null,"quote":"If you’re not satisfied and wish to lodge a complaint, please call our 24/7 Customer Support No. 022 6489 8282/1800 267 1955 customersupport@tataaig.com. (For Senior Citizens), or email us at customersupport@tataaig.com. ... Escalation Level 1 If you do not receive a response or are not satisfied with the resolution, please contact us at manager.customersupport@tataaig.com.\nEscalation Level 2 If you still need assistance, reach out to the Head of Customer Services at head.customerservices@tataaig.com. ... If you're still not satisfied after this process, you may approach the Insurance Ombudsman of concerned jurisdiction. You can also lodge a grievance on the Bima Bharosa Grievance Redressal Portal: https://bimabharosa.irdai.gov. in","sources":[{"clause":"14","heading":"Redressal of Grievance","page":28,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/model-policy-for-persons-with-disabilities-and-hiv-aids-tata-aig-tathlip27062v022627/document/16989#c-14-2"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"quote-verified","value":"4 Lacs and 5 Lacs","display":"4 Lacs and 5 Lacs","note":null,"quote":"Sum insured available(in INR) | 4 Lacs and 5 Lacs","sources":[{"clause":"10.7","heading":"Payment of Claim","page":33,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/model-policy-for-persons-with-disabilities-and-hiv-aids-tata-aig-tathlip27062v022627/document/16989#c-10-7"}],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Applies to illness claims from first policy commencement date; accident claims are excepted, if covered.","quote":"Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered.","sources":[{"clause":"Excl03","heading":"First 30 Days Waiting Period (Code- Excl 03)","page":18,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/model-policy-for-persons-with-disabilities-and-hiv-aids-tata-aig-tathlip27062v022627/document/16989#c-excl03"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"quote-verified","value":{"unit":"months","amount":36},"display":"36 months","note":"Pre-existing disability has a 24 months waiting period; all pre-existing conditions and HIV/AIDS have 36 months.","quote":"Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 24 months for pre-existing disability (as mentioned in Policy Schedule)/ 36 months for all pre-existing conditions and HIV/AIDS, of continuous coverage after the date of inception of the first policy with insurer.","sources":[{"clause":"Excl01(a)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/model-policy-for-persons-with-disabilities-and-hiv-aids-tata-aig-tathlip27062v022627/document/16989#c-excl01-a"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"quote-verified","value":{"unit":"months","amount":24},"display":"24 months","note":"Not applicable for claims arising due to an accident.","quote":"Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 24 months (mentioned in Policy Schedule) of continuous coverage after the date of inception of the first policy with us.","sources":[{"clause":"Excl02","heading":"Specified Disease/Procedure Waiting Period (Code- Excl 02)","page":18,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/model-policy-for-persons-with-disabilities-and-hiv-aids-tata-aig-tathlip27062v022627/document/16989#c-excl02"}],"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"],"display":"Benign ENT disorders, tonsillectomy, adenoidectomy, mastoidectomy, tympanoplasty, hysterectomy, benign tumours/cysts/polyps, benign prostate hypertrophy, cataract and age-related eye ailments, gastric/duodenal ulcer, gout and rheumatism, hernia, hydrocele, non-infective arthritis, piles/fissures/fistula, pilonidal sinus/sinusitis, spinal disc/spinal diseases, urinary/gall bladder/bile duct calculi, varicose veins/ulcers","note":null,"quote":"1. 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","sources":[{"clause":null,"heading":"24 months waiting period","page":19,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/model-policy-for-persons-with-disabilities-and-hiv-aids-tata-aig-tathlip27062v022627/document/16989#c-24-months-waiting-period"}],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"quote-verified","value":{"unit":"years","amount":5},"display":"five continuous years","note":"For enhanced sum insured, completion of five continuous years applies from the date of enhancement only on the enhanced limits.","quote":"After completion of five continuous years of coverage (including portability and migration) in health insurance policy, no policy and claim shall be contestable by the insurer on grounds of non-disclosure, misrepresentation, except on grounds of established fraud. This continuous period of five years is called as moratorium period.","sources":[{"clause":"11","heading":"Moratorium Period","page":27,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/model-policy-for-persons-with-disabilities-and-hiv-aids-tata-aig-tathlip27062v022627/document/16989#c-11-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"quote-verified","value":"The insured person may port the policy to another insurer by applying at least 30 days before, but not earlier than 60 days from, the policy renewal date. Waiting periods are reduced by the number of continuous preceding years of coverage under the previous health insurance policy.","display":"Yes; apply at least 30 days before and not earlier than 60 days from renewal, with continuity credit for waiting periods","note":null,"quote":"The Insured Person will have the option to port the Policy to other insurers by applying to such Insurer to port the entire Policy along with all the members of the family, if any, at least 30 days before, but not earlier than 60 days from the Policy Renewal date. ... i) The waiting periods specified in Section 5 shall be reduced by the number of continuous preceding years of coverage of the Insured Person under the previous health insurance Policy.","sources":[{"clause":"8","heading":"Portability","page":26,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/model-policy-for-persons-with-disabilities-and-hiv-aids-tata-aig-tathlip27062v022627/document/16989#c-8-2"},{"clause":"8(i)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/model-policy-for-persons-with-disabilities-and-hiv-aids-tata-aig-tathlip27062v022627/document/16989#c-8-i"}],"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; no maximum cover ceasing age","note":"From the prospectus.","quote":"b) There is no maximum cover ceasing age under this policy.","sources":[{"clause":"1","heading":"Suitability","page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/model-policy-for-persons-with-disabilities-and-hiv-aids-tata-aig-tathlip27062v022627/document/16821#c-1"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"quote-verified","value":"No loading shall apply on renewals based on individual claims experience.","display":"No loading on renewals based on individual claims experience","note":null,"quote":"v. No loading shall apply on renewals based on individual claims experience.","sources":[{"clause":null,"heading":"Tata AIG General Insurance Company Limited","page":26,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/model-policy-for-persons-with-disabilities-and-hiv-aids-tata-aig-tathlip27062v022627/document/16989#c-tata-aig-general-insurance-company-limited-26"}],"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 by giving 7 days written notice, and the Company refunds proportionate premium for the unexpired policy period. No refund is made if any claim has been admitted or lodged or any benefit has been availed under the policy.","display":"7 days written notice; proportionate premium for unexpired period, no refund if claim admitted/lodged or benefit availed","note":null,"quote":"The policyholder may cancel this Policy by giving 7 days written notice and in such an event, the Company shall refund proportionate premium for unexpired policy period. provided no refunds of premium shall be made in respect of Cancellation where, any claim has been admitted or has been lodged or any benefit under this Policy has been availed by the Insured Person under the Policy.","sources":[{"clause":"7","heading":"Cancellation","page":25,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/model-policy-for-persons-with-disabilities-and-hiv-aids-tata-aig-tathlip27062v022627/document/16989#c-7-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"The policy covers medical treatment in India only; any medical treatment taken outside India is excluded.","display":"India only; any medical treatment taken outside India is excluded","note":null,"quote":"1. Any medical treatment taken outside India.","sources":[{"clause":null,"heading":"8.2 Specific Exclusions","page":22,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/model-policy-for-persons-with-disabilities-and-hiv-aids-tata-aig-tathlip27062v022627/document/16989#c-8-2-specific-exclusions"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"thirty days","note":"Applies on new individual health insurance policies and not on renewals.","quote":"The insured person shall be allowed free look period of thirty days from date of receipt of the policy document, whether received electronically or otherwise, to review the terms and conditions of the policy, and to return the same if not acceptable.","sources":[{"clause":"13","heading":"Free Look Period","page":28,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/model-policy-for-persons-with-disabilities-and-hiv-aids-tata-aig-tathlip27062v022627/document/16989#c-13-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"For instalment premium during the policy period, the grace period is thirty days for Half-Yearly or Quarterly premium payment modes.","quote":"Policy can be renewed within the Grace Period of 30 days to maintain continuity of benefits without break in policy.","sources":[{"clause":"9","heading":"Renewal of Policy","page":26,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/model-policy-for-persons-with-disabilities-and-hiv-aids-tata-aig-tathlip27062v022627/document/16989#c-9-2"}],"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":"Policy can be availed on an individual basis. Adults are eligible from 18 years to no maximum limit in years, and children are eligible from Newborn to 17 years.","display":"Adults: 18 years to no maximum limit; Children: Newborn to 17 years","note":null,"quote":"Policy can be availed on Individual basis. Age eligibility for adults: 18 years to no maximum limit in years Age eligibility for Children: Newborn to 17 years","sources":[{"clause":"10.7","heading":"Payment of Claim","page":33,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/model-policy-for-persons-with-disabilities-and-hiv-aids-tata-aig-tathlip27062v022627/document/16989#c-10-7"}],"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":["Quarterly","half-yearly","Yearly"],"display":"Quarterly, half-yearly and Yearly","note":null,"quote":"Grace Period | For Quarterly, half-yearly and Yearly payment of mode, a fixed period of 30 days is to be allowed as Grace. Period","sources":[{"clause":"10.7","heading":"Payment of Claim","page":33,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/model-policy-for-persons-with-disabilities-and-hiv-aids-tata-aig-tathlip27062v022627/document/16989#c-10-7"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"quote-verified","value":"Coverage is not available during the grace period after the end of the policy period. For instalment premium during the policy period, coverage is available from the due date of instalment premium until the Company receives the premium within the grace period.","display":"No cover after policy-period end; cover available during instalment grace period within the policy period","note":null,"quote":"Coverage is not available during the grace period after the end of the policy period. ... Within the policy period - coverage will be available from the due date of instalment premium till the date of receipt of premium by Company within the grace period.","sources":[{"clause":"9","heading":"Renewal of Policy","page":26,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/model-policy-for-persons-with-disabilities-and-hiv-aids-tata-aig-tathlip27062v022627/document/16989#c-9-2"},{"clause":null,"heading":"Tata AIG General Insurance Company Limited","page":26,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/model-policy-for-persons-with-disabilities-and-hiv-aids-tata-aig-tathlip27062v022627/document/16989#c-tata-aig-general-insurance-company-limited-26"}],"law":[]},{"key":"disease","label":"Disease covered","section":"Cover","meaning":"The condition this policy is for.","status":"quote-verified","value":"The policy is specially designed for persons with disabilities as defined under The Rights of Persons with Disabilities Act, 2016 and The Mental Healthcare Act, 2017, and for individuals with HIV/AIDS.","display":"Persons with disability and individuals with HIV/AIDS","note":"For persons with disability, submission of a government-appointed Medical Board disability certificate is a condition precedent.","quote":"This policy is specially designed for:\nA) Covering Persons with Disability as per ‘The Rights of Persons with Disabilities Act, 2016’ and ‘The Mental Healthcare Act, 2017’. ... B) Individuals with HIV/AIDS as defined under the Human Immunodeficiency Virus and Acquired Immune Deficiency Syndrome (Prevention and Control) Act, 2017.","sources":[{"clause":"1","heading":"Preamble","page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/model-policy-for-persons-with-disabilities-and-hiv-aids-tata-aig-tathlip27062v022627/document/16989#c-1"},{"clause":null,"heading":"Tata AIG General Insurance Company Limited","page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/model-policy-for-persons-with-disabilities-and-hiv-aids-tata-aig-tathlip27062v022627/document/16989#c-tata-aig-general-insurance-company-limited-2"}],"law":[]},{"key":"payout","label":"Payout","section":"Cover","meaning":"Lump sum, staged, or hospital bills.","status":"quote-verified","value":"This is an indemnity cover for hospitalisation medical expenses. The Company indemnifies medically necessary expenses for coverage mentioned in the Policy Schedule, subject to policy terms, sub-limits, co-pay, exclusions and the Sum Insured.","display":"Hospital bills/medical expenses indemnity up to the Sum Insured","note":null,"quote":"If during the Policy Period an Insured Person is required to be hospitalized for treatment of an Illness or Injury at a Hospital/ Day Care Centre, following Medical Advice of a duly qualified Medical Practitioner, the Company shall indemnify Medically necessary expenses towards the Coverage mentioned in the Policy Schedule. ... Maximum liability of the Company under all such Claims paid under indemnity basis, during each Policy Year shall be the Sum Insured opted and specified in the Schedule.","sources":[{"clause":"2","heading":"Operative Clause","page":3,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/model-policy-for-persons-with-disabilities-and-hiv-aids-tata-aig-tathlip27062v022627/document/16989#c-2"}],"law":[]},{"key":"survival_period","label":"Survival period","section":"Waiting periods","meaning":"Days you must survive after diagnosis before payment.","status":"not-applicable","value":null,"display":null,"note":"This product pays hospitalisation medical expenses on an indemnity basis, not a diagnosis-linked lump sum requiring survival after diagnosis.","quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Model Policy for Persons with Disabilities and HIV/AIDS, Tata AIG(TATHLIP27062V022627)","pages":53,"fetched_at":"2026-10-17 20:12:12+00","source_url":"https://www.tataaig.com/s3/Model_Policy_for_Persons_with_Disabilities_and_HIVAIDS_Tata_AIG_Poliy_Wordings_26cd9652de.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/model-policy-for-persons-with-disabilities-and-hiv-aids-tata-aig-tathlip27062v022627/document/16989"},{"kind":"prospectus","label":"Model Policy for Persons with Disabilities and HIV/AIDS, Tata AIG(TATHLIP27062V022627)","pages":19,"fetched_at":"2026-10-17 20:06:18+00","source_url":"https://www.tataaig.com/s3/Model_Policy_for_Persons_with_Disabilities_and_HIVAIDS_Tata_AIG_Prospectus_e8fc6fabfe.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/model-policy-for-persons-with-disabilities-and-hiv-aids-tata-aig-tathlip27062v022627/document/16821"},{"kind":"cis","label":"Model Policy for Persons with Disabilities and HIV/AIDS, Tata AIG(TATHLIP27062V022627)","pages":11,"fetched_at":"2026-10-17 20:05:28+00","source_url":"https://www.tataaig.com/s3/Model_Policy_for_Persons_with_Disabilities_and_HIVAIDS_Tata_AIG_Customer_Information_Sheet_b77cb5e36e.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/model-policy-for-persons-with-disabilities-and-hiv-aids-tata-aig-tathlip27062v022627/document/16803"},{"kind":"proposal","label":"Model Policy for Persons with Disabilities and HIV/AIDS, Tata AIG(TATHLIP27062V022627)","pages":null,"fetched_at":"2026-10-17 20:17:27+00","source_url":"https://www.tataaig.com/s3/proposal_form_model_policy_for_persons_with_disability_and_hiv_aids_tata_aig_7bb863309f.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/model-policy-for-persons-with-disabilities-and-hiv-aids-tata-aig-tathlip27062v022627/document/31876"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Tata AIG General Insurance official website","url":"https://www.tataaig.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 process","url":"https://www.tataaig.com/claims-process","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 policy","url":"https://www.tataaig.com/grievance-redressal-policy","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Model Policy for Persons with Disabilities and HIV/AIDS, Tata AIG (UIN TATHLIP27062V022627), IndiaInsurances, https://indiainsurances.com/policy/tata-aig-general-insurance/model-policy-for-persons-with-disabilities-and-hiv-aids-tata-aig-tathlip27062v022627"}