{"uin":"UIIHLIP26045V032526","name":"Arogya Sanjeevani Policy","url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526","insurer":{"slug":"united-india-insurance","name":"United India Insurance Company Limited","url":"https://indiainsurances.com/insurer/united-india-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":"Arogya Sanjeevani Policy is an indemnity health policy available on individual sum insured or family floater basis for a one year policy period. It has 30 days initial waiting, 36 months PED waiting, 5% co-pay on every claim, and room rent capped at 2% of sum insured subject to Rs. 5000/- per day.","analysis":{"state":"machine","analysed_at":"2026-10-19 22:53:12.714106+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":"The documents state cover types, not named plans.","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":"One policy year, renewable annually.","display":"One Year. Renewable annually.","note":null,"quote":"Policy period means period of one policy year as mentioned in schedule for which the Policy is issued. ... IV. TERM OF POLICY:\nOne Year. Renewable annually.","sources":[{"clause":"17","heading":"Policy period","page":7,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-17-2"},{"clause":"7(b)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17212#c-7-b"}],"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, notify within 24 hours from the date emergency hospitalisation is required or before discharge, whichever is earlier. For planned hospitalisation, notify at least 48 hours before admission.","display":"Emergency: within 24 hours or before discharge, whichever is earlier; planned: at least 48 hours prior to admission.","note":null,"quote":"within the prescribed time limit as under: ... a) Within 24 hours from the date of emergency hospitalisation required or before the Insured Person’s discharge from Hospital, whichever is earlier. ... b) At least 48 hours prior to admission in Hospital in case of a planned Hospitalisation","sources":[{"clause":null,"heading":"7 CLAIM PROCEDURE","page":14,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-7-claim-procedure"},{"clause":"Excl18(a)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-excl18-a"},{"clause":"Excl18(b)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-excl18-b"}],"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","Attending medical practitioner’s / surgeon’s certificate regarding diagnosis/ nature of operation performed, along with date of diagnosis, advise for admission, investigation test reports etc. supported by the prescription from attending medical practitioner.","Medical history of the patient as recorded, bills (including break up of charges) and payment receipts duly supported by the prescription from attending medical practitioner/ hospital.","Discharge certificate/ summary from the hospital.","Cash-memos from the Diagnostic Centre(s)/ hospital(s)/ chemist(s) supported by proper prescription.","Payment receipts from doctors, surgeons and anesthetists.","Bills, receipts, Stickers of the Implants.","Any other document required by company/ TPA"],"display":"Claim form, medical certificate, medical history and bills, discharge summary, diagnostic/hospital/chemist cash memos, doctor/surgeon/anaesthetist receipts, implant bills/receipts/stickers, and any other document required by company/TPA.","note":null,"quote":"a) Duly completed claim form ... b) Attending medical practitioner’s / surgeon’s certificate regarding diagnosis/ nature of operation performed, along with date of diagnosis, advise for admission, investigation test reports etc. supported by the prescription from attending medical practitioner. ... c) Medical history of the patient as recorded, bills (including break up of charges) and payment receipts duly supported by the prescription from attending medical practitioner/ hospital. ... d) Discharge certificate/ summary from the hospital. ... e) Cash-memos from the Diagnostic Centre(s)/ hospital(s)/ chemist(s) supported by proper prescription. ... f) Payment receipts from doctors, surgeons and anesthetists. ... g) Bills, receipts, Stickers of the Implants. ... h) Any other document required by company/ TPA","sources":[{"clause":"Excl18(a)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-excl18-a-4"},{"clause":"Excl18(b)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-excl18-b-4"},{"clause":"Excl18(c)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-excl18-c-2"},{"clause":"Excl18(d)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-excl18-d-2"},{"clause":"Excl18(e)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-excl18-e-2"},{"clause":"Excl18(f)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-excl18-f-2"},{"clause":"Excl18(g)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-excl18-g-2"},{"clause":"Excl18(h)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-excl18-h-2"}],"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 shall complete investigation within 30 days and settle within 45 days from receipt of the last necessary document; delay attracts interest at 2% above the bank rate.","display":"15 days from last necessary document; if investigation is needed, investigation within 30 days and settlement within 45 days.","note":null,"quote":"i) The Company shall settle or reject a claim, as the case may be, 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 date of receipt of last necessary document. In such cases, the Company shall settle the claim within 45 days from the date of receipt of last necessary document. ... iv) In case of delay beyond stipulated 45 days the company shall be liable to pay interest at a rate 2% above the bank rate from the date of receipt of last necessary document to the date of payment of claim.","sources":[{"clause":"Excl18(b)(i)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-excl18-b-i"},{"clause":"Excl18(b)(iii)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-excl18-b-iii"},{"clause":"Excl18(b)(iv)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-excl18-b-iv"}],"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","First Thirty Days Waiting Period","Specific Waiting Period","Investigation & Evaluation","Rest Cure, rehabilitation and respite care","Obesity/Weight Control","Change-of-Gender Treatments","Cosmetic or Plastic Surgery","Hazardous or Adventure sports","Breach of law","Domiciliary Hospitalisation and OPD Treatment","Treatment taken outside the geographical limits of India"],"display":"Waiting-period exclusions for PED, first 30 days and specified conditions, plus exclusions such as investigation and evaluation, rest cure, obesity surgery outside conditions, change of gender, cosmetic surgery, professional adventure sports, breach of law, domiciliary/OPD treatment and treatment outside India.","note":null,"quote":"Excl01 Pre-Existing Diseases (Code-Excl01) ... Excl03 First Thirty Days Waiting Period (Code-Excl03) ... Excl02 Specific Waiting Period (Code-Excl02) ... Excl04 Investigation & Evaluation (Code-Excl04) ... Excl05 Rest Cure, rehabilitation and respite care (Code-Excl05) ... Excl06 Obesity/Weight Control (Code-Excl06) ... Excl07 Change-of-Gender Treatments: (Code-Excl07) ... Excl08 Cosmetic or Plastic Surgery: (Code-Excl08) ... Excl09 Hazardous or Adventure sports: (Code-Excl09) ... Excl10 Breach of law: (Code-Excl10) ... 5.18 Any expenses incurred on Domiciliary Hospitalisation and OPD Treatment\n5.19 Treatment taken outside the geographical limits of India","sources":[{"clause":"Excl01","heading":"Pre-Existing Diseases (Code-Excl01)","page":10,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-excl01"},{"clause":"Excl03","heading":"First Thirty Days Waiting Period (Code-Excl03)","page":11,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-excl03"},{"clause":"Excl02","heading":"Specific Waiting Period (Code-Excl02)","page":11,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-excl02"},{"clause":"Excl04","heading":"Investigation & Evaluation (Code-Excl04)","page":12,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-excl04"},{"clause":"Excl05","heading":"Rest Cure, rehabilitation and respite care (Code-Excl05)","page":12,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-excl05"},{"clause":"Excl06","heading":"Obesity/Weight Control (Code-Excl06)","page":12,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-excl06"},{"clause":"Excl07","heading":"Change-of-Gender Treatments: (Code-Excl07)","page":12,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-excl07"},{"clause":"Excl08","heading":"Cosmetic or Plastic Surgery: (Code-Excl08)","page":13,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-excl08"},{"clause":"Excl09","heading":"Hazardous or Adventure sports: (Code-Excl09)","page":13,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-excl09"},{"clause":"Excl10","heading":"Breach of law: (Code-Excl10)","page":13,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-excl10"},{"clause":"Excl18(iii)","heading":"Biological attack or weapons","page":14,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-excl18-iii"}],"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 submit the grievance in writing to the policy issuing office or Uni-Customer Care Department at the Regional Office. If unaddressed, contact the Officer, Uni-Customer Care Department, Head Office in person or by post/email to customercare@uiic.co.in.","display":"Policy issuing office or Uni-Customer Care Department at Regional Office first; then Uni-Customer Care Department, Head Office at customercare@uiic.co.in.","note":null,"quote":"Grievance – In case of any grievance relating to servicing the Policy, the insured person may submit in writing to the policy issuing office or Uni-Customer Care Department at Regional Office of the company for redressal. If the grievance remains unaddressed, the insured person may contact the Officer, Uni-Customer Care Department, Head Office in person or through post/email to customercare@uiic.co.in","sources":[{"clause":null,"heading":"12 REDRESSAL OF GRIEVANCE","page":21,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-12-redressal-of-grievance"}],"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":"Rs. 0.5 lakh to Rs. 10 Lakhs in Rs. 0.5 lakh steps.","display":"Rs. 0.5 lakh, Rs. 1 lakh, 1.5 lakhs, 2 lakhs, 2.5 lakhs, 3 lakhs, 3.5 lakhs, 4 lakhs, 4.5 lakhs, 5 Lakhs, 5.5 lakhs, 6 lakhs, 6.5 lakhs, 7 lakhs, 7.5 lakhs, 8 lakhs, 8.5 lakhs, 9 lakhs, 9.5 lakhs and 10 Lakhs.","note":"The prospectus benefit table elsewhere says “INR 1 Lakh to 10 Lakh”, but the detailed prospectus sum insured list includes Rs. 0.5 lakh.","quote":"Various options are available as under:\nRs. 0.5 lakh, Rs. 1 lakh, 1.5 lakhs, 2 lakhs, 2.5 lakhs, 3 lakhs, 3.5 lakhs, 4 lakhs, 4.5 lakhs, 5 Lakhs, 5.5 lakhs, 6 lakhs, 6.5 lakhs, 7 lakhs, 7.5 lakhs, 8 lakhs, 8.5 lakhs, 9 lakhs, 9.5 lakhs and 10 Lakhs.","sources":[{"clause":"7(b)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17212#c-7-b"}],"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 accident claims if they are otherwise covered; also does not apply after 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":"Excl03","heading":"First Thirty Days Waiting Period (Code-Excl03)","page":11,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#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":"Coverage after 36 months is subject to declaration at application and acceptance by the insurer; enhancement applies afresh to the increase.","quote":"i) Expenses related to the treatment of a disclosed 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":"Excl01","heading":"Pre-Existing Diseases (Code-Excl01)","page":10,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-excl01"}],"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":"24/36 months","note":"24 months applies to the listed Table A conditions; 36 months applies to treatment for joint replacement unless arising from accident and age-related osteoarthritis and osteoporosis.","quote":"i) Expenses related to the treatment of the following listed Conditions, surgeries/treatments shall be excluded until the expiry of 24/36 months of continuous coverage, as may be the case after the date of inception of the first policy with the insurer. ... 24 Months Waiting Period ... 36 Months Waiting Period","sources":[{"clause":"Excl02","heading":"Specific Waiting Period (Code-Excl02)","page":11,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-excl02"},{"clause":null,"heading":"24 Months Waiting Period","page":11,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-24-months-waiting-period"},{"clause":null,"heading":"36 Months Waiting Period","page":12,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-36-months-waiting-period"}],"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":"conflicting","value":["Benign ENT disorders","Tonsillectomy","Adenoidectomy","Mastoidectomy","Tympanoplasty","Hysterectomy","All internal and external benign tumours, 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, Fissure and Fistula in anus","Pilonidal sinus, Sinusitis and related disorders","Prolapse inter Vertebral Disc and Spinal Diseases unless arising from accident","Calculi in urinary system, Gall Bladder and Bile duct, excluding malignancy.","Varicose Veins and Varicose Ulcers","Treatment for joint replacement unless arising from accident","Age-related Osteoarthritis & Osteoporosis"],"display":"Benign ENT disorders, tonsillectomy, adenoidectomy, mastoidectomy, tympanoplasty, hysterectomy, benign tumours/cysts/polyps, BPH, cataract and age-related eye ailments, gastric/duodenal ulcer, gout/rheumatism, hernia, hydrocele, non-infective arthritis, piles/fissure/fistula, pilonidal sinus/sinusitis, spinal diseases, urinary/gall bladder/bile duct calculi, varicose veins/ulcers, joint replacement and age-related osteoarthritis/osteoporosis.","note":"The policy wording list is shown in the value. The prospectus Table A also lists “20. Internal Congenital Anomalies”, which is not in the policy wording list.","quote":"• Benign ENT disorders\n• Tonsillectomy\n• Adenoidectomy\n• Mastoidectomy\n• Tympanoplasty\n• Hysterectomy\n• All internal and external benign tumours, cysts, polyps of any kind, including benign breast lumps\n• Benign prostate hypertrophy\n• Cataract and age related eye ailments\n• Gastric/Duodenal Ulcer\n• Gout and Rheumatism\n• Hernia of all types\n• Hydrocele\n• Non Infective Arthritis\n• Piles, Fissure and Fistula in anus\n• Pilonidal sinus, Sinusitis and related disorders\n• Prolapse inter Vertebral Disc and Spinal Diseases unless arising from accident\n• Calculi in urinary system, Gall Bladder and Bile duct, excluding malignancy.\n• Varicose Veins and Varicose Ulcers ... • Treatment for joint replacement unless arising from accident\n• Age-related Osteoarthritis & Osteoporosis ... 20. Internal Congenital Anomalies","sources":[{"clause":null,"heading":"24 Months Waiting Period","page":11,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-24-months-waiting-period"},{"clause":null,"heading":"36 Months Waiting Period","page":12,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-36-months-waiting-period"},{"clause":null,"heading":"Table A. 24 Months’ waiting period","page":5,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17212#c-table-a-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":"months","amount":60},"display":"sixty continuous months","note":"For enhanced sums 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 insurer on grounds of non-disclosure, misrepresentation, except on grounds of established fraud. This period of sixty continuous months is called as moratorium period.","sources":[{"clause":null,"heading":"6 MORATORIUM PERIOD","page":14,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-6-moratorium-period"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"quote-verified","value":"The insured person has the option to port the policy to other insurers as per portability guidelines and get accrued continuity benefits in waiting periods, limited to the previous sum insured plus accrued bonus.","display":"Option to port to other insurers with accrued continuity benefits in waiting periods.","note":"Portability benefit applies to the extent of previous sum insured and accrued bonus; it does not apply to any other additional increased sum insured.","quote":"The Insured Person will have the option to port the Policy to other insurers as per extant Guidelines related to portability. If such person is presently covered and has been continuously covered without any lapses under any health insurance plan with an Indian General/Health insurer as per Guidelines on portability, the proposed Insured Person will get all the accrued continuity benefits in waiting periods as under:","sources":[{"clause":null,"heading":"11.15 Portability","page":19,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-11-15-portability"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"not-stated","value":null,"display":null,"note":"The documents state renewal terms and that beyond 60 years only renewals are allowed, but do not expressly say lifelong renewal or no maximum renewal age.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"quote-verified","value":"Renewal cannot be denied because of claims in the preceding policy years, and no loading applies on renewals based on individual claims experience.","display":"No loading on renewals based on individual claims experience.","note":null,"quote":"ii. Renewal shall not be denied on the ground that the Insured Person had made a claim or claims in the preceding policy years. ... vi) No loading shall apply on renewals based on individual claims experience.","sources":[{"clause":null,"heading":"11.16 Renewal of Policy","page":20,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-11-16-renewal-of-policy"},{"clause":"Excl18(b)(vi)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-excl18-b-vi"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"quote-verified","value":["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.","Treatments received in health hydros, nature cure clinics, spas or similar establishments","Dietary supplements and substances that can be purchased without prescription","Refractive Error (Code-Excl15)","Unproven Treatments (Code-Excl16)","Sterility and Infertility (Code-Excl17)","Maternity Expenses (Code-Excl18)","War","Nuclear, chemical or biological attack or weapons","Domiciliary Hospitalisation and OPD Treatment","Treatment taken outside the geographical limits of India","Specified ICD Codes for existing diseases disclosed and mentioned in the policy schedule"],"display":"Excl04 to Excl18 plus war, nuclear/chemical/biological attack, domiciliary hospitalisation and OPD, treatment outside India, and specified ICD code exclusions for disclosed existing diseases.","note":null,"quote":"Excl04 Investigation & Evaluation (Code-Excl04) ... Excl05 Rest Cure, rehabilitation and respite care (Code-Excl05) ... Excl06 Obesity/Weight Control (Code-Excl06) ... Excl07 Change-of-Gender Treatments: (Code-Excl07) ... Excl08 Cosmetic or Plastic Surgery: (Code-Excl08) ... Excl09 Hazardous or Adventure sports: (Code-Excl09) ... Excl10 Breach of law: (Code-Excl10) ... Excl11 Excluded Providers: (Code-Excl11) ... Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. ... Treatments received in health hydros, nature cure clinics, spas or similar establishments ... Dietary supplements and substances that can be purchased without prescription ... Excl15 Refractive Error: (Code-Excl15) ... Excl16 Unproven Treatments: (Code-Excl16) ... Excl17 Sterility and Infertility: (Code-Excl17) ... Excl18 Maternity Expenses (Code-Excl18) ... War (whether declared or not) and war like occurrence ... Nuclear, chemical or biological attack or weapons ... 5.18 Any expenses incurred on Domiciliary Hospitalisation and OPD Treatment\n5.19 Treatment taken outside the geographical limits of India\n5.20 In respect of the existing diseases, disclosed by the insured and mentioned in the policy schedule (based on insured’s consent), policyholder is not entitled to get the coverage for specified ICD Codes.","sources":[{"clause":"Excl04","heading":"Investigation & Evaluation (Code-Excl04)","page":12,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-excl04"},{"clause":"Excl05","heading":"Rest Cure, rehabilitation and respite care (Code-Excl05)","page":12,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-excl05"},{"clause":"Excl06","heading":"Obesity/Weight Control (Code-Excl06)","page":12,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-excl06"},{"clause":"Excl07","heading":"Change-of-Gender Treatments: (Code-Excl07)","page":12,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-excl07"},{"clause":"Excl08","heading":"Cosmetic or Plastic Surgery: (Code-Excl08)","page":13,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-excl08"},{"clause":"Excl09","heading":"Hazardous or Adventure sports: (Code-Excl09)","page":13,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-excl09"},{"clause":"Excl10","heading":"Breach of law: (Code-Excl10)","page":13,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-excl10"},{"clause":"Excl11","heading":"Excluded Providers: (Code-Excl11)","page":13,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-excl11"},{"clause":"Excl12","heading":null,"page":13,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-excl12"},{"clause":"Excl15","heading":"Refractive Error: (Code-Excl15)","page":13,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-excl15"},{"clause":"Excl16","heading":"Unproven Treatments: (Code-Excl16)","page":13,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-excl16"},{"clause":"Excl17","heading":"Sterility and Infertility: (Code-Excl17)","page":13,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-excl17"},{"clause":"Excl18","heading":"Maternity Expenses (Code-Excl18)","page":14,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-excl18"},{"clause":"Excl18(ii)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-excl18-ii"},{"clause":"Excl18(iii)","heading":"Biological attack or weapons","page":14,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-excl18-iii"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The policyholder may cancel at any time during the term by giving 7 days’ written notice. The insurer refunds proportionate premium for the unexpired policy period if no claim is reported during the policy period.","display":"Proportionate premium for unexpired policy period, if no claim is reported; 7 days’ written notice required.","note":null,"quote":"i. The policyholder may cancel his/her policy at any time during the term, by giving 7 days’ notice in writing. The Insurer shall refund proportionate premium for unexpired policy period, if there is no claim (s) reported during the policy period.","sources":[{"clause":null,"heading":"11.10 Cancellation","page":18,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-11-10-cancellation"}],"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":null,"heading":"11.7 Territorial Limit","page":18,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-11-7-territorial-limit"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Applies to new Arogya Sanjeevani policies, not renewals or porting/migrating.","quote":"The Insured Person shall be allowed free look period of 30 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":null,"heading":"11.19Free Look Period","page":20,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-11-19free-look-period"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days; 15 days for monthly premium mode.","note":"For installment premium, the policy also states 15 days for monthly installments and 30 days for other installment basis.","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":"17","heading":"Grace Period","page":3,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-17"}],"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":"Adults can buy the policy from 18 years to 60 years; beyond 60 years only renewals are allowed. Dependent children are covered from 3 months to 25 years, subject to dependency conditions.","display":"18 years to 60 years; dependent children 3 months to 25 years.","note":"Entry-age details are from the prospectus.","quote":"a) Any person aged between 18 years and 60 years can take this insurance for himself and his/her family consisting of Self, Spouse, dependent children, Parents and Parents-in-law, either on Individual Sum Insured basis or on Floater Sum Insured basis. Beyond 60 years, only renewals are allowed. ... Dependent children (i.e natural or legally adopted) between the age of 3 months and 18 years shall be covered provided either or both parents are covered concurrently. Children above 18 years will continue to be covered along with parents till the age of 25 years.","sources":[{"clause":"7(a)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17212#c-7-a"},{"clause":"7(b)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17212#c-7-b"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["annually","Half Yearly","Quarterly","Monthly"],"display":"Annually, Half Yearly, Quarterly or Monthly installments.","note":null,"quote":"a) Premium payable annually or in Half Yearly, Quarterly or Monthly installments – As per Premium Table attached.","sources":[{"clause":"VIII(a)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17212#c-viii-a"}],"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":"No optional covers for extra premium are expressly listed in the documents.","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 renewal grace period except in case of installment premium. If premium is paid on an installment basis, coverage will be available during the grace period.","display":"Not available during grace period except for installment premium; available during installment grace period.","note":null,"quote":"Coverage is not available during the grace period except in case of installment premium. ... ii. During such grace period, coverage will be available.","sources":[{"clause":null,"heading":"11.16 Renewal of Policy","page":20,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-11-16-renewal-of-policy"},{"clause":null,"heading":"11.17 Premium Payment in Installment","page":20,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-11-17-premium-payment-in-installment"}],"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 a maximum of Rs. 5000/- per day.","display":"Up to 2% of the sum insured, maximum Rs. 5000/- per day.","note":null,"quote":"i) Room Rent, Boarding, Nursing Expenses as provided by the Hospital/Nursing Home up to 2% of the sum insured subject to a maximum of Rs. 5000/- per day.","sources":[{"clause":"28(i)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-28-i"}],"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":"not-applicable","value":null,"display":null,"note":"The policy sets a percentage/rupee room rent limit, not a room category limit.","quote":null,"sources":[],"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 expenses are covered up to 5% of the sum insured, subject to a maximum of Rs. 10,000/- per day.","display":"Up to 5% of the sum insured, maximum Rs. 10,000/- per day.","note":null,"quote":"ii) Intensive Care Unit (ICU) / Intensive Cardiac Care Unit (ICCU) expenses up to 5% of the sum insured subject to a maximum of Rs. 10,000/- per day.","sources":[{"clause":"28(ii)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-28-ii"}],"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/ICCU above the stated limits, all other hospital expenses are reduced in the same proportion as the admissible room/ICU/ICCU rate bears to the actual rate, except cost of medicines, implants and diagnostics.","display":"Yes, proportionate deduction applies if room/ICU/ICCU rates exceed limits; medicines, implants and diagnostics are excepted.","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, implants and cost of diagnostic 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":"28(v)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-28-v"}],"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 and every claim is subject to a co-payment of 5% on the admissible and payable claim amount; the amount payable is after deduction of the co-payment.","display":"5% on each and every admissible claim.","note":null,"quote":"Each and every claim under the Policy shall be subject to a Co-payment of 5% applicable to a claim amount admissible and payable as per the terms and conditions of the Policy. The amount payable shall be after deduction of the co-payment.","sources":[{"clause":"Excl18(b)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-excl18-b-6"}],"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":"quote-verified","value":"NA.","display":"NA","note":"The policy wording does not otherwise state a deductible; the CIS financial-limits row marks deductible as NA.","quote":"Sub-Limits Co-pay Deductible Any Other Limit | Home up to 2% of the sum insured subject to maximum of Rs. 5000/- per day. ... Every claim under the Policy shall be subject to a Co-payment of 5% applicable to a claim amount admissible and payable as per the terms and conditions of the Policy. NA Proportionate Payment Clause:","sources":[{"clause":null,"heading":"NUMBER","page":2,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17199#c-number-2"}],"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 in one policy year","Modern Treatment Methods & Advancement in Technologies: up to 50% of Sum Insured during the policy period"],"display":"Cataract: 25% of Sum Insured or Rs. 40,000/- per eye, whichever is lower; modern treatment methods: 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 in one policy year. ... The following procedures will be covered (wherever medically indicated) either as inpatient care or as part of day care treatment in a hospital up to 50% of Sum Insured, specified in the policy schedule, during the policy period:","sources":[{"clause":null,"heading":"3.2 Cataract Treatment","page":9,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-3-2-cataract-treatment"},{"clause":null,"heading":"3.4 Post Hospitalisation","page":9,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-3-4-post-hospitalisation"}],"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 prior to the date of admissible hospitalisation.","note":null,"quote":"The company shall indemnify pre-hospitalisation medical expenses incurred, related to an admissible hospitalisation requiring inpatient care, for a fixed period of 30 days prior to the date of admissible hospitalisation covered under the policy.","sources":[{"clause":null,"heading":"3.3 Pre Hospitalisation","page":9,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-3-3-pre-hospitalisation"}],"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 from the date of discharge from the hospital.","note":null,"quote":"The company shall indemnify post hospitalisation medical expenses incurred, related to an admissible hospitalisation requiring inpatient care, for a fixed period of 60 days from the date of discharge from the hospital, following an admissible hospitalisation covered under the policy.","sources":[{"clause":null,"heading":"3.4 Post Hospitalisation","page":9,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-3-4-post-hospitalisation"}],"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 treatments are covered; day care treatment means medical treatment or surgical procedure undertaken in a hospital/day care centre in less than twentyfour hours because of technological advancement and that would otherwise have required more than twenty-four hours hospitalisation.","display":"All the day care treatments.","note":"Treatment normally taken on an out-patient basis is not included in the day care definition.","quote":"iv. All the day care treatments ... Day Care Treatment means medical treatment, and/or surgical procedure which is:\na) undertaken under general or local anesthesia in a hospital/day care centre in less than twentyfour hours because of technological advancement, and\nb) which would have otherwise required a hospitalisation of more than twenty-four hours.","sources":[{"clause":null,"heading":"3.1.1 Other Expenses","page":9,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-3-1-1-other-expenses"},{"clause":"13","heading":"Day Care Treatment","page":3,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-13"}],"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 hospitalisation is excluded, but Home Care Treatment for any epidemic/pandemic is covered up to 10% of the sum insured or Rs. 30,000 per person per policy period, whichever is lower, when the stated conditions are met.","display":"Domiciliary hospitalisation excluded; epidemic/pandemic home care covered up to 10% of SI or Rs. 30,000 per person per policy period.","note":"Home Care Treatment is only for epidemic/pandemic and is subject to the policy conditions.","quote":"5.18 Any expenses incurred on Domiciliary Hospitalisation and OPD Treatment ... We will indemnify the Reasonable and Customary Charges for Home Care Treatment for any epidemic/ pandemic subject to a maximum of 10% of the Sum Insured or Rs. 30,000 per person per policy period, whichever is lower.","sources":[{"clause":"Excl18(iii)","heading":"Biological attack or weapons","page":14,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-excl18-iii"},{"clause":null,"heading":"3.7 Home Care Treatment Expenses","page":10,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-3-7-home-care-treatment-expenses"}],"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 care treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems is covered during each policy year up to the sum insured in any AYUSH Hospital.","display":"AYUSH inpatient care up to the sum insured in any AYUSH Hospital.","note":"Quoted from the prospectus; the provided policy wording clauses define AYUSH but do not separately print the AYUSH coverage clause.","quote":"The company shall indemnify medical expenses incurred for inpatient care treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems of medicines during each Policy Year up to the limit of sum insured as specified in the policy schedule in any AYUSH Hospital.","sources":[{"clause":null,"heading":"2. AYUSH Treatment","page":2,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17212#c-2-ayush-treatment"}],"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 treatment methods are covered where medically indicated as inpatient care or day care in a hospital up to 50% of the sum insured during the policy period.","display":"Covered up to 50% of Sum Insured for listed procedures including robotic surgeries, oral chemotherapy, immunotherapy and stem cell therapy.","note":null,"quote":"The following procedures will be covered (wherever medically indicated) either as inpatient care or as part of day care treatment in a hospital up to 50% of Sum Insured, specified in the policy schedule, during the policy period:\nA. Uterine Artery Embolization & 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. Intra vitreal Injections G. Robotic Surgeries H. Stereotactic radio surgeries ... I) Bronchial Thermoplasty J. Vaporisation of the Prostate (Green laser treatment or holmium laser treatment) K. IONM – Intra Operative Neuro Monitoring L. Stem Cell Therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered.","sources":[{"clause":null,"heading":"3.4 Post Hospitalisation","page":9,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-3-4-post-hospitalisation"},{"clause":"28(I)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-28-i-2"}],"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":"Road ambulance expenses are covered up to a maximum of Rs. 2000/- per hospitalisation.","display":"Road ambulance up to Rs. 2000/- per hospitalisation.","note":"No air ambulance cover is stated.","quote":"v) Expenses incurred on road Ambulance subject to a maximum of Rs. 2000/- per hospitalisation.","sources":[{"clause":"28(v)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-28-v"}],"law":[]},{"key":"restoration","label":"Restoration of sum insured","section":"Cover","meaning":"Whether the sum insured is refilled after it is used up in a year, how much, how often, and whether it works for the same illness.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"no_claim_bonus","label":"No-claim or cumulative bonus","section":"Cover","meaning":"How much the cover grows each year, the maximum, whether it depends on not claiming, and what happens after a claim.","status":"quote-verified","value":"If no claim is reported and the policy is renewed without a break, the policyholder may choose either a 2.5% no-claim discount per slab up to 25% or a 5% cumulative bonus per slab up to 50% of sum insured. If a claim is reported, the no-claim reward is reduced at the same rate at which it accrued.","display":"Choice of NCD 2.5% per slab up to 25% or CB 5% per slab up to 50%; reduced at same rate after a claim.","note":null,"quote":"The Insured Person(s) shall be eligible for a No Claim Reward if no claim is reported under the expiring policy and the policy is renewed with Us without any break in policy. ... a) No Claim Discount (NCD):\nThe Insured Person(s) shall receive a 2.5% discount on the renewal premium for each slab, up to a maximum of 25%. ... b) Cumulative Bonus (CB):\nThe Cumulative Bonus shall increase by 5% for each slab, up to a maximum of 50% of the Sum Insured under the current policy year. ... i. If a claim is reported in any particular year, the NCR accrued shall be reduced at the same rate at which it has accrued.","sources":[{"clause":null,"heading":"13 No Claim Rewards","page":21,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-13-no-claim-rewards"},{"clause":"Excl18(a)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-excl18-a-7"},{"clause":"Excl18(b)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-excl18-b-7"},{"clause":"Excl18(b)(iv)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-excl18-b-iv-2"}],"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":"List I items are not covered; the policy’s non-covered list includes items such as gloves and masks. Other listed items are to be subsumed into room charges, procedure charges or costs of treatment.","display":"List I items not covered; gloves and masks are listed as non-covered items.","note":null,"quote":"List I – Items for which coverage is not available in the Policy ... 56 | GLOVES ... 60 | MASK ... The list of expenses that are to be subsumed into room charges, or procedure charges or costs of treatment are placed under List– II, List–III, and List–IV of Annexure–A respectively.","sources":[{"clause":null,"heading":"14 IRDAI Regulations","page":22,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-14-irdai-regulations"},{"clause":"28(I)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-28-i-2"}],"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 medical treatment expenses traceable to childbirth, complicated deliveries and caesarean sections during hospitalisation, except ectopic pregnancy, and expenses towards miscarriage unless due to an accident and lawful medical termination of pregnancy.","display":"Excluded, except ectopic pregnancy and miscarriage due to accident.","note":null,"quote":"Excl18 Maternity Expenses (Code-Excl18) ... i) Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during hospitalisation) except ectopic pregnancy; ... ii) Expenses towards miscarriage (unless due to an accident) and lawful medical termination of pregnancy during the policy period.","sources":[{"clause":"Excl18","heading":"Maternity Expenses (Code-Excl18)","page":14,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-excl18"},{"clause":"Excl18(i)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-excl18-i"},{"clause":"Excl18(ii)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-excl18-ii"}],"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":"quote-verified","value":"Hospitalisation for mental illness is covered when the insured person is hospitalised for treatment following medical advice of a duly qualified Mental Health Professional, subject to the policy terms.","display":"Covered for hospitalisation following advice of a Mental Health Professional.","note":null,"quote":"If during the Policy Period, the Insured Person(s) is required to be hospitalised for treatment of an Illness or Injury at a Hospital /Day Care Centre, following Medical Advice of a duly qualified Medical Practitioner/Mental Health Professional (in case of Mental Illness), the Company shall indemnify Medically Necessary, Reasonable and Customary Medical Expenses towards the Coverage mentioned hereunder.","sources":[{"clause":"1","heading":"PREAMBLE","page":1,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-1"}],"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":"The prospectus claim procedure mentions reimbursement documents for cost of health check-up, but the cover and limit are not stated in the provided policy wording.","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":"OPD Treatment is excluded.","display":"OPD Treatment excluded.","note":null,"quote":"5.18 Any expenses incurred on Domiciliary Hospitalisation and OPD Treatment","sources":[{"clause":"Excl18(iii)","heading":"Biological attack or weapons","page":14,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-excl18-iii"}],"law":[]},{"key":"zone_pricing","label":"Zone or city-based premium","section":"Premium","meaning":"Whether premium or co-pay depends on the city you are treated in.","status":"not-stated","value":null,"display":null,"note":"The prospectus illustration says rates shown are for Zone A, but the documents provided do not state treatment-city based premium or co-pay rules.","quote":null,"sources":[],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"quote-verified","value":"Cashless facility is available for treatment taken in a hospital, subject to pre-authorization by the TPA, where the insurer directly pays the network provider to the extent pre-authorization is approved.","display":"Available at network provider/PPN hospitals, subject to TPA pre-authorization.","note":null,"quote":"Cashless Facility means a facility extended by the insurer to the insured where the payments, of the costs of treatment undergone by the insured person in accordance with the Policy terms and conditions, are directly made to the network provider by the insurer to the extent pre-authorization is approved. ... a) Cashless facility for treatment taken in a hospital is subject to pre-authorization by the TPA. ... Booklet containing list of network provider/PPN hospitals shall be provided by the TPA.","sources":[{"clause":"7","heading":"Cashless Facility","page":2,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-7"},{"clause":"Excl18(a)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-excl18-a-2"},{"clause":"Excl18(b)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-excl18-b-2"}],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"quote-verified","value":"Claims may be processed by the TPA or the company. The TPA services claims through pre-authorization of cashless treatment or processing of claims, but claim settlement and rejection are not TPA services.","display":"TPA/company for processing; settlement and rejection by the company, not TPA.","note":null,"quote":"the Insured Person/Insured Person’s representative shall notify the TPA (if claim is processed by TPA)/company (if claim is processed by the company) ... Servicing of claims i.e., claim admissions and assessments, under this Policy by way of preauthorization of cashless treatment or processing of claims, as per the terms and conditions of the policy. The services offered by a TPA shall not include: ... a) Claim settlement and claim rejection;","sources":[{"clause":null,"heading":"7 CLAIM PROCEDURE","page":14,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-7-claim-procedure"},{"clause":"Excl18(e)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-excl18-e-3"},{"clause":"Excl18(a)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-excl18-a-6"}],"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 Sum Insured basis.","note":null,"quote":"The Policy provides cover on an Individual Sum Insured basis or Family Floater Sum Insured basis. A separate Sum Insured for each Insured Person is provided on Individual Sum Insured basis while under Family Floater Sum Insured basis, the Sum Insured is shared by the whole family of the Insured as specified in the Policy Schedule","sources":[{"clause":"1","heading":"PREAMBLE","page":1,"url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215#c-1"}],"law":[]}],"documents":[{"kind":"wording","label":"Health - Arogya Sanjeevani Policy (UIN UIIHLIP25039V022425) w.e.f 01.10.2024","pages":28,"fetched_at":"2026-10-17 20:06:34+00","source_url":"https://uiic.co.in/web/sites/default/files/Policy-Document/20241108%20-%20Policy%20Wordings%20-%20ASP%20%281%29.pdf","url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17214"},{"kind":"wording","label":"Health - Arogya Sanjeevani Policy (UIN UIIHLIP26045V032526)","pages":27,"fetched_at":"2026-10-17 20:06:41+00","source_url":"https://uiic.co.in/web/sites/default/files/Policy-Document/Policy%20Wordings%20-%20ASP.pdf","url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17215"},{"kind":"prospectus","label":"Health - Arogya Sanjeevani Policy (UIN UIIHLIP26045V032526)","pages":25,"fetched_at":"2026-10-17 20:06:17+00","source_url":"https://uiic.co.in/web/sites/default/files/Policy-Document/Prospectus%20-%20ASP.pdf","url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17212"},{"kind":"cis","label":"Health - Arogya Sanjeevani Policy (UIN UIIHLIP25039V022425) w.e.f 01.10.2024","pages":9,"fetched_at":"2026-10-17 20:04:34+00","source_url":"https://uiic.co.in/web/sites/default/files/Policy-Document/20241122%20-%20CIS%20-%20ASP.pdf","url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17198"},{"kind":"cis","label":"Health - Arogya Sanjeevani Policy (UIN UIIHLIP26045V032526)","pages":9,"fetched_at":"2026-10-17 20:04:41+00","source_url":"https://uiic.co.in/web/sites/default/files/Policy-Document/CIS%20-%20ASP.pdf","url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/17199"},{"kind":"premium","label":"Health - Arogya Sanjeevani Policy (Excl GST) (UIN UIIHLIP25039V022425) w.e.f 01.10.2024","pages":null,"fetched_at":"2026-10-17 20:03:55+00","source_url":"https://uiic.co.in/web/sites/default/files/Policy-Document/20241108%20-%20Premium%20Table%20excl.%20GST%20-%20ASP.pdf","url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/31888"},{"kind":"premium","label":"Health - Arogya Sanjeevani Policy (Excl GST) (UIN UIIHLIP26045V032526)","pages":null,"fetched_at":"2026-10-17 20:04:02+00","source_url":"https://uiic.co.in/web/sites/default/files/Policy-Document/Premium%20Table%20excl.%20GST%20-%20ASP.pdf","url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/31889"},{"kind":"premium","label":"Health - Arogya Sanjeevani Policy (Incl GST) (UIN UIIHLIP25039V022425) w.e.f 01.10.2024","pages":null,"fetched_at":"2026-10-17 20:04:09+00","source_url":"https://uiic.co.in/web/sites/default/files/Policy-Document/20241108%20-%20Premium%20Table%20incl.%20GST%20-%20ASP.pdf","url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/31890"},{"kind":"premium","label":"Health - Arogya Sanjeevani Policy (Incl GST) (UIN UIIHLIP26045V032526)","pages":null,"fetched_at":"2026-10-17 20:04:17+00","source_url":"https://uiic.co.in/web/sites/default/files/Policy-Document/Premium%20Table%20incl.%20GST%20-%20ASP.pdf","url":"https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526/document/31891"}],"versions":[{"uin":"UIIHLIP25039V022425","version":null,"approved_on":null},{"uin":"UIIHLIP26045V032526","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"United India Insurance official website","url":"https://www.uiic.co.in","note":"Website as listed by IRDAI. Not checked: the site refused our crawler (HTTP 403) on 2026-10-19."},{"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":"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":"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":"Arogya Sanjeevani Policy (UIN UIIHLIP26045V032526), IndiaInsurances, https://indiainsurances.com/policy/united-india-insurance/arogya-sanjeevani-policy-uiihlip26045v032526"}