{"uin":"UNIHLGP14002V011314","name":"Swarna Gramin Bima Yojana (Group)","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-group-unihlgp14002v011314","insurer":{"slug":"universal-sompo-general-insurance","name":"Universal Sompo General Insurance Company Limited","url":"https://indiainsurances.com/insurer/universal-sompo-general-insurance"},"line":"health","category":"group-health","category_name":"Group health","irdai_type":null,"kind":"product","status":"active","approved_on":"2014-06-30","withdrawn_on":null,"summary":"Swarna Gramin Bima Yojana (Group) is a single premium group health product with personal accident, critical illness and hospital cash sections. It covers India except Section A worldwide, has a 30-day initial illness waiting period and a 48-month pre-existing disease waiting period unless the optional pre-existing disease extension is chosen.","analysis":{"state":"machine","analysed_at":"2026-10-19 22:59:44.216048+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"Policy term of one to three years is stated for individual policies; the group schedule states the policy period by start and end date.","display":"1 to 3 years for individual policies; group policy period as in schedule","note":"The wording states one to three years only under individual policies; the group schedule itself leaves the policy period to the schedule.","quote":"Policy Period:\nStart Date and Hour:\nEnd date and Hour: ... Policy term of one to three years available under individual policies.","sources":[{"clause":"4","heading":"Policy coverage","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-group-unihlgp14002v011314/document/17901#c-4"},{"clause":"F.2(c)","heading":"Long Term Policy discount","page":22,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-group-unihlgp14002v011314/document/17901#c-f-2-c"}],"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":"Notify the insurer immediately on occurrence of a claim and in any case within 7 days, giving full description of the medical treatment undertaken and the cause.","display":"Immediately, and in any case within 7 days","note":null,"quote":"Notify Us immediately on occurrence of a claim and in any case within 7 days giving full description of the medical treatment undertaken and the cause","sources":[{"clause":null,"heading":"2. Limitation Period","page":23,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-group-unihlgp14002v011314/document/17901#c-2-limitation-period"}],"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":["In case of Death: Policy Copy; Post Mortem Report (certified copies) - as applicable; F.I.R. or Death report or Inquest Panchnama (in original or certified copies)-; Spot Panchnama (certified copies)- if applicable; Death certificate (in original or certified copy); Any other document as may be required by Us","In case of Permanent Total Disablement / Permanent Partial Disablement: Policy Copy; Disability certificate - Authorized Medical Practitioner of the district/ units concerned, (certificate) stating percentage of disablement; F.I.R. and Panchnama wherever applicable (original or certified copies); Medical report/ Investigation reports like laboratory test, X-rays and reports essential of confirmation of the type and percentage of disability; Original medical bills; Any other document as may be required by Us.","In case of Critical Illnesses and Surgical Procedures: Original Bills or their copies; all reports, case histories, investigation reports, treatment papers, discharge summaries; a precise diagnosis; a detailed list of medical services and treatments with unit price","In case of Hospital Cash: Photo copy of bills, receipt and discharge certificate/card from the Hospital; Photocopy of F.I.R. copy in case of an accident; Complete set of Hospital/medical records"],"display":"Death, disability, critical illness/surgical procedure and hospital cash documents as listed in the claims procedure","note":null,"quote":"In case of Death ... a) Policy Copy ... b) Post Mortem Report (certified copies) - as applicable ... c) F.I.R. or Death report or Inquest Panchnama (in original or certified copies)- ... d) Spot Panchnama (certified copies)- if applicable ... e) Death certificate (in original or certified copy) ... f) Any other document as may be required by Us ... In case of Permanent Total Disablement / Permanent Partial Disablement ... a) Policy Copy ... b) Disability certificate - Authorized Medical Practitioner of the district/ units concerned, (certificate) stating percentage of disablement ... c) F.I.R. and Panchnama wherever applicable (original or certified copies) ... d) Medical report/ Investigation reports like laboratory test, X-rays and reports essential of confirmation of the type and percentage of disability ... e) Original medical bills ... f) Any other document as may be required by Us. ... In case of Critical Illnesses and Surgical Procedures ... a) Original Bills or their copies (including but not limited to pharmacy purchase bill, consultation bill, diagnostic bill and any attachments thereto like receipts or prescriptions in support of any amount claimed) ... b) All reports, including but not limited to all medical reports, case histories, investigation reports, treatment papers, discharge summaries. ... c) A precise diagnosis of the treatment for which a claim is made. ... d) A detailed list of the individual medical services and treatments provided and a unit price for each. ... In case of Hospital Cash ... a) Photo copy of bills, receipt and discharge certificate/card from the Hospital. ... b) Photocopy of F.I.R. copy in case of an accident. ... c) Complete set of Hospital/medical records","sources":[{"clause":null,"heading":"In case of Death","page":23,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-group-unihlgp14002v011314/document/17901#c-in-case-of-death"},{"clause":"F.2(a)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-group-unihlgp14002v011314/document/17901#c-f-2-a-2"},{"clause":"F.2(b)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-group-unihlgp14002v011314/document/17901#c-f-2-b-2"},{"clause":"F.2(c)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-group-unihlgp14002v011314/document/17901#c-f-2-c-2"},{"clause":"F.2(d)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-group-unihlgp14002v011314/document/17901#c-f-2-d-2"},{"clause":"F.2(e)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-group-unihlgp14002v011314/document/17901#c-f-2-e"},{"clause":"F.2(f)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-group-unihlgp14002v011314/document/17901#c-f-2-f"},{"clause":null,"heading":"In case of Permanent Total Disablement / Permanent Partial Disablement","page":23,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-group-unihlgp14002v011314/document/17901#c-in-case-of-permanent-total-disablement-permanent"},{"clause":"F.2(a)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-group-unihlgp14002v011314/document/17901#c-f-2-a-3"},{"clause":"F.2(b)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-group-unihlgp14002v011314/document/17901#c-f-2-b-3"},{"clause":"F.2(c)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-group-unihlgp14002v011314/document/17901#c-f-2-c-3"},{"clause":"F.2(d)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-group-unihlgp14002v011314/document/17901#c-f-2-d-3"},{"clause":"F.2(e)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-group-unihlgp14002v011314/document/17901#c-f-2-e-2"},{"clause":"F.2(f)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-group-unihlgp14002v011314/document/17901#c-f-2-f-2"},{"clause":null,"heading":"In case of Critical Illnesses and Surgical Procedures","page":23,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-group-unihlgp14002v011314/document/17901#c-in-case-of-critical-illnesses-and-surgical-proce"},{"clause":"F.2(a)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-group-unihlgp14002v011314/document/17901#c-f-2-a-4"},{"clause":"F.2(b)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-group-unihlgp14002v011314/document/17901#c-f-2-b-4"},{"clause":"F.2(c)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-group-unihlgp14002v011314/document/17901#c-f-2-c-4"},{"clause":"F.2(d)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-group-unihlgp14002v011314/document/17901#c-f-2-d-4"},{"clause":null,"heading":"In case of Hospital Cash","page":23,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-group-unihlgp14002v011314/document/17901#c-in-case-of-hospital-cash"},{"clause":"F.2(a)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-group-unihlgp14002v011314/document/17901#c-f-2-a-5"},{"clause":"F.2(b)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-group-unihlgp14002v011314/document/17901#c-f-2-b-5"},{"clause":"F.2(c)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-group-unihlgp14002v011314/document/17901#c-f-2-c-5"}],"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 insurer shall settle claims, including rejection, within thirty days of receipt of the last necessary claim documents. Admissible claims shall be paid within 7 working days from acceptance, with interest at 2% above bank rate for delay.","display":"Settlement within thirty days of last necessary claim documents; payment within 7 working days from acceptance","note":null,"quote":"We shall settle claim(s), including its rejection, within thirty days of the receipt of the last necessary claim document s ... All admissible claims under this Policy shall be paid by Us within 7 working days from date of acceptance of such a claim. In case of delay in the payment, We shall be liable to pay interest at a rate which is 2% above bank rate prevalent at the beginning of the financial year in which claim is reviewed by Us.","sources":[{"clause":"F.2(c)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-group-unihlgp14002v011314/document/17901#c-f-2-c-5"},{"clause":null,"heading":"4. Position after claim","page":24,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-group-unihlgp14002v011314/document/17901#c-4-position-after-claim"}],"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":["Any Illness, sickness or disease , other than specified as Critical Illness, as mentioned in the policy schedule","Any Critical Illness of which, the signs or symptoms first occurred prior to or within Ninety (90) days following the Policy Issue Date","Sickness requiring Hospitalisation within the first 30 days from the commencement date of the Policy Period","Pre-existing diseases (unless endorsed otherwise) will not be covered until 48 months of continuous coverage have elapsed","For all Insured Persons, the following conditions will be covered subject to a waiting period of 24 months from the date of commencement of coverage.","Any routine or prescribed medical checkup or examination.","Any Sickness that has been classified as an Epidemic by the Central or State Government","Any natural peril including but not limited to avalanche, earthquake, volcanic eruptions or any kind of natural hazard.","From intentional self-injury, suicide or attempted suicide.","Whilst under the influence of liquor or drugs or other intoxicants.","Arising or resulting from committing any breach of law or participating in an actual or attempted felony, riot, crime, misdemeanour or civil commotion.","Whilst engaging in racing, hunting, mountaineering, ice hockey, winter sports and the like.","Due to war or ionising radiation or nuclear perils.","Any treatment not performed by a Physician or any treatment of a purely experimental nature.","Dental treatment or surgery of any kind unless necessitated by Accidental Bodily Injury.","All kind of Alternate Treatment"],"display":"Main exclusions include 90-day critical illness, 30-day sickness hospitalisation, 48-month PED, 24-month listed conditions, routine checkups, epidemic sickness, natural perils, self-injury, intoxicants, crime, hazardous sports, war/nuclear perils, experimental treatment, dental treatment unless accidental, and alternate treatment.","note":null,"quote":"Any Illness, sickness or disease , other than specified as Critical Illness, as mentioned in the policy schedule ... Any Critical Illness of which, the signs or symptoms first occurred prior to or within Ninety (90) days following the Policy Issue Date ... For all Insured Persons, the following conditions will be covered subject to a waiting period of 24 months from the date of commencement of coverage. ... Sickness requiring Hospitalisation within the first 30 days from the commencement date of the Policy Period ... Pre-existing diseases (unless endorsed otherwise) will not be covered until 48 months of continuous coverage have elapsed ... Any routine or prescribed medical checkup or examination. ... Any Sickness that has been classified as an Epidemic by the Central or State Government ... Any natural peril including but not limited to avalanche, earthquake, volcanic eruptions or any kind of natural hazard. ... From intentional self-injury, suicide or attempted suicide. ... Whilst under the influence of liquor or drugs or other intoxicants. ... Arising or resulting from committing any breach of law or participating in an actual or attempted felony, riot, crime, misdemeanour or civil commotion. ... Whilst engaging in racing, hunting, mountaineering, ice hockey, winter sports and the like. ... Due to war or ionising radiation or nuclear perils. ... Any treatment not performed by a Physician or any treatment of a purely experimental nature. ... Dental treatment or surgery of any kind unless necessitated by Accidental Bodily Injury. ... All kind of Alternate Treatment","sources":[{"clause":"E.1","heading":"Standard Exclusions","page":14,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-group-unihlgp14002v011314/document/17901#c-e-1"},{"clause":"E.2","heading":"Specific Exclusions","page":15,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-group-unihlgp14002v011314/document/17901#c-e-2"},{"clause":"E.2(a)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-group-unihlgp14002v011314/document/17901#c-e-2-a-2"},{"clause":"E.2(b)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-group-unihlgp14002v011314/document/17901#c-e-2-b-2"},{"clause":"E.2(f)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-group-unihlgp14002v011314/document/17901#c-e-2-f"},{"clause":"E.2(g)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-group-unihlgp14002v011314/document/17901#c-e-2-g"},{"clause":"E.2(h)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-group-unihlgp14002v011314/document/17901#c-e-2-h"},{"clause":"E.2(i)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-group-unihlgp14002v011314/document/17901#c-e-2-i-2"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"Register a grievance or complaint on the website, by writing to contactus@universalsompo.com, through the branch where the policy was bought, or through the Complaints Coordinator at the registered office. If unresolved, the policy says you may approach the Insurance Ombudsman.","display":"Website/contactus@universalsompo.com, branch or Complaints Coordinator first; then Insurance Ombudsman if unresolved","note":null,"quote":"In case You are aggrieved in any way, You may register a grievance or Complaint by visiting our website or write to us on contactus@universalsompo.com.\nYou may also contact the Branch from where You have bought the policy or the Complaints Coordinator who can be reached at Our Registered Office. ... If the issue still remains unresolved, You may, subject to vested jurisdiction, approach Insurance Ombudsman for the redressal of Your grievance.","sources":[{"clause":"12","heading":"Grievances","page":20,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-group-unihlgp14002v011314/document/17901#c-12"}],"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":"For Personal Accident and Critical Illness/Surgical Procedure, the prospectus tables show sum insured options of Rs 50,000, Rs 75,000, Rs 1,00,000, Rs 1,25,000, Rs 1,50,000, Rs 1,75,000 and Rs 2,00,000. For Hospital Cash, the daily options are Rs 250, Rs 500 and Rs 1000 per day, with maximum amounts Rs 45000/-, Rs 90,000/- and Rs 1,80,000/-.","display":"PA/CI: Rs 50,000 to Rs 2,00,000 in listed steps; Hospital Cash: Rs 250, Rs 500 or Rs 1000 per day","note":"From the prospectus; the policy wording schedule leaves the actual selected sums insured blank.","quote":"Age Band | SUM INSURED\n(Years) | 50,000 | 75,000 | 1,00,000 | 1,25,000 | 1,50,000 | 1,75,000 | 2,00,000 ... Maximum Amount | Option I | Option II | Option III\nRs 250/ - per day | Rs 500/- per day | Rs 1000/- per day\nRs 45000/- | Rs 90,000/- | Rs 1,80,000/-","sources":[{"clause":null,"heading":"1) Basic Premium Rate For Personal Accident(PA) Section ( Excluding Service Tax)","page":4,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-group-unihlgp14002v011314/document/17891#c-1-basic-premium-rate-for-personal-accident-pa-se"},{"clause":null,"heading":"Benefit Options","page":3,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-group-unihlgp14002v011314/document/17891#c-benefit-options"}],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Applies to sickness requiring hospitalisation; renewal without interruption and accepted portability are exceptions.","quote":"Sickness requiring Hospitalisation within the first 30 days from the commencement date of the Policy Period unless the Policy is renewed without interruption and with the Company or is a renewal of similar existing health insurance policy from any of other Indian insurers and We have accepted Your proposal with portability.","sources":[{"clause":"E.2","heading":"Specific Exclusions","page":15,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-group-unihlgp14002v011314/document/17901#c-e-2"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"quote-verified","value":{"unit":"months","amount":48},"display":"48 months","note":"The optional pre-existing diseases extension, for additional premium, covers pre-existing diseases under Section B and Section C.","quote":"Pre-existing diseases (unless endorsed otherwise) will not be covered until 48 months of continuous coverage have elapsed, since inception of the first Policy with Us; ... In consideration of the payment of additional premium, it is hereby declared and agreed that notwithstanding anything to the contrary contained in the policy, We will extend the liability to pay You/ Your Family Member the benefits incurred under Section B- Critical Illness and Section C- Hospital Cash of the Policy in connection with any diseases which were pre-existing at the time of proposal.","sources":[{"clause":"E.2","heading":"Specific Exclusions","page":15,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-group-unihlgp14002v011314/document/17901#c-e-2"},{"clause":null,"heading":"Extension 1: Cover for Pre-existing diseases","page":28,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-group-unihlgp14002v011314/document/17901#c-extension-1-cover-for-pre-existing-diseases"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"quote-verified","value":{"unit":"months","amount":24},"display":"24 months","note":null,"quote":"For all Insured Persons, the following conditions will be covered subject to a waiting period of 24 months from the date of commencement of coverage.","sources":[{"clause":"E.2","heading":"Specific Exclusions","page":15,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-group-unihlgp14002v011314/document/17901#c-e-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"quote-verified","value":["Stones in the urinary system","Stones in billiary system","Surgery on tonsils / adenoids","Uterine Polyps","Any type of breast lumps","Treatment of Spondylosis /Spondylitis - any type","Inter Vertebral Disc Prolapse (IVDP) and such other degenerative disorders","Cataract","Benign prostatic hypertrophy","Hysterectomy / Myomectomy done due to Menorrhagia / fibroids","Fistula in ano","Fissure in ano","Piles","Hernia","Hydrocele","Sinusitis","Knee / hip joint replacement","Chronic Renal Failure(CRF) or end stage renal failure","Any type of Carcinoma / sarcoma / blood cancer","Osteo Arthritis of any joint","Gastric and duodenal Ulcers","Varicocele","Spermatocele","Dilatation and Curettage (D&C)","Diabetic Nephropathy and Retinopathy","Mastoidectomy (operation to remove piece of bone behind the ear)","Tympanoplasty (Surgery to repair tympanic membrane i.e. eardrum)","Gout","Rheumatism","Varicose veins & Varicose ulcers"],"display":"Listed conditions include stones, tonsils/adenoids, uterine polyps, breast lumps, spondylosis/spondylitis, IVDP, cataract, BPH, hysterectomy/myomectomy, fistula, fissure, piles, hernia, hydrocele, sinusitis, joint replacement, CRF, cancer, osteoarthritis, ulcers, varicocele, spermatocele, D&C, diabetic nephropathy/retinopathy, mastoidectomy, tympanoplasty, gout, rheumatism and varicose veins/ulcers.","note":null,"quote":"Stones in the urinary system; Stones in billiary system; Surgery on tonsils / adenoids; Uterine Polyps; Any type of breast lumps; Treatment of Spondylosis /Spondylitis - any type; Inter Vertebral Disc Prolapse (IVDP) and such other degenerative disorders; Cataract; Benign prostatic hypertrophy; Hysterectomy / Myomectomy done due to Menorrhagia / fibroids; Fistula in ano; Fissure in ano; Piles; Hernia; Hydrocele; Sinusitis; Knee / hip joint replacement; Chronic Renal Failure(CRF) or end stage renal failure; Any type of Carcinoma / sarcoma / blood cancer; Osteo Arthritis of any joint; Gastric and duodenal Ulcers; Varicocele; Spermatocele; Dilatation and Curettage (D&C); Diabetic Nephropathy and Retinopathy; Mastoidectomy (operation to remove piece of bone behind the ear); Tympanoplasty (Surgery to repair tympanic membrane i.e. eardrum); Gout; Rheumatism; Varicose veins & Varicose ulcers;","sources":[{"clause":"E.2","heading":"Specific Exclusions","page":15,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-group-unihlgp14002v011314/document/17901#c-e-2"}],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"quote-verified","value":"Portability is available at renewal if the insured was continuously and without a break covered under another Indian retail similar health insurance policy covering critical illness risks. The application with complete documentation must reach the insurer at least 45 days before expiry of the present period of insurance, and the proposal is subject to medical underwriting.","display":"Available at renewal with 45 days prior application, subject to underwriting","note":null,"quote":"Portability\nMeans transfer by You, an individual health insurance Policy holder (including Family cover) of the credit gained for pre-existing conditions and time bound exclusions if You choose to switch from other insurer to Us. ... If You were insured continuously and without a break under another Indian retail similar health insurance policy covering critical illness risks with Us or any other Indian General Insurance company ... We should have received Your application with complete documentation at least 45 days before the expiry of Your present period of insurance; ... This benefit is available only at the time of renewal of the existing similar health insurance policy. ... Your proposal shall be subject to Our medical underwriting","sources":[{"clause":null,"heading":"Portability","page":7,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-group-unihlgp14002v011314/document/17901#c-portability"},{"clause":"7","heading":"Portability","page":19,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-group-unihlgp14002v011314/document/17901#c-7-3"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"quote-verified","value":true,"display":"Yes, renewable for lifetime","note":null,"quote":"Your Policy shall ordinarily be renewable for lifetime except on grounds of fraud, moral hazard or misrepresentation or non‐cooperation by You/ any of the Insured Persons","sources":[{"clause":"6","heading":"Renewal","page":18,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-group-unihlgp14002v011314/document/17901#c-6-3"}],"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":"not-stated","value":null,"display":null,"note":null,"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 Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"You may terminate the policy at any time by written notice. If no claim has been made, refund is 75%, 50%, 25% or 0% for a 1-year cover depending on cancellation timing; 2-year and 3-year covers have the refund percentages shown in the table.","display":"If no claim: 1-year cover refunds 75%, 50%, 25% or 0%; 2-year and 3-year covers as per table","note":"Refund applies only if no claim has been made under the policy.","quote":"You may terminate this Policy at any time by giving Us written notice, and the Policy shall terminate when such written notice is received. If no claim has been made under the Policy, then We will refund premium in accordance with the table below: ... Cover Period | Within 1 month | From 1 month to 3 months | From 3 month to 6 months | From 6 months to 1 year | During 2nd Year | During 3rd Year\n1 year | 75% | 50% | 25% | 0% | NA | NA\n2 year | 75% | 65% | 50% | 25% | 0% | NA\n3 year | 75% | 70% | 60% | 45% | 11% | 0%","sources":[{"clause":"4","heading":"Cancellation/termination","page":18,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-group-unihlgp14002v011314/document/17901#c-4-3"},{"clause":null,"heading":"Cancellation Period","page":18,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-group-unihlgp14002v011314/document/17901#c-cancellation-period"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"The territorial scope is India, except Section A for which coverage is worldwide.","display":"India, except Section A worldwide","note":null,"quote":"Territorial Scope: India except Section A for which coverage under the policy shall be worldwide","sources":[{"clause":"5","heading":"Territorial Scope","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-group-unihlgp14002v011314/document/17901#c-5"}],"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":15},"display":"15 days","note":null,"quote":"You will be allowed a period of at least 15 days from the date of receipt of the Policy to review the terms and conditions of the Policy and to return the same if not acceptable.","sources":[{"clause":"5","heading":"Free Look-up period","page":18,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-group-unihlgp14002v011314/document/17901#c-5-3"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"The clause calls this condonation of delay in renewal and says coverage is not available for that period.","quote":"We shall provide for a mechanism to condone a delay in Renewal up to 30 days from the due date of Renewal without deeming such condonation as a Break in Policy. However coverage shall not be available for such period.","sources":[{"clause":"6","heading":"Renewal","page":18,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-group-unihlgp14002v011314/document/17901#c-6-3"}],"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":"Entry age for the proposer is 18 years to 65 years. Entry age for dependent children is 6 months.","display":"Proposer: 18 to 65 years; dependent children: 6 months","note":"From the prospectus.","quote":"Entry age for you (the proposer) is 18 years and you can opt for this policy up to the age of 65 years. ... Entry age for dependent children is 6 months.","sources":[{"clause":"2","heading":"Eligibility","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-group-unihlgp14002v011314/document/17891#c-2"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["Single Premium"],"display":"Single Premium","note":null,"quote":"Type of Policy: Single Premium","sources":[{"clause":"7","heading":"Type of Policy: Single Premium","page":3,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-group-unihlgp14002v011314/document/17901#c-7"}],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"quote-verified","value":["Extension 1: Cover for Pre-existing diseases"],"display":"Cover for Pre-existing diseases for additional premium","note":null,"quote":"Extension 1: Cover for Pre-existing diseases ... In consideration of the payment of additional premium, it is hereby declared and agreed that notwithstanding anything to the contrary contained in the policy, We will extend the liability to pay You/ Your Family Member the benefits incurred under Section B- Critical Illness and Section C- Hospital Cash of the Policy in connection with any diseases which were pre-existing at the time of proposal.","sources":[{"clause":null,"heading":"Extension 1: Cover for Pre-existing diseases","page":28,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-group-unihlgp14002v011314/document/17901#c-extension-1-cover-for-pre-existing-diseases"}],"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 for the renewal delay or grace period for which no premium is received.","display":"No cover during the grace period","note":null,"quote":"Coverage is not available for the period for which no premium is received. ... We shall provide for a mechanism to condone a delay in Renewal up to 30 days from the due date of Renewal without deeming such condonation as a Break in Policy. However coverage shall not be available for such period.","sources":[{"clause":null,"heading":"Grace Period","page":5,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-group-unihlgp14002v011314/document/17901#c-grace-period"},{"clause":"6","heading":"Renewal","page":18,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-group-unihlgp14002v011314/document/17901#c-6-3"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"Daily room limit, if any.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Childbirth cover and any waiting period.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"ped_cover_group","label":"Pre-existing diseases","section":"Waiting periods","meaning":"Whether pre-existing diseases are covered from day one for the group.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Swarna Gramin Bima Yojana (Group) - Policy Wording","pages":37,"fetched_at":"2026-10-17 20:18:37+00","source_url":"https://www.universalsompo.com/assets/file/withdrawn-products/swarna-gramin-bima-yojana-group/policy-wordings.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-group-unihlgp14002v011314/document/17901"},{"kind":"wording","label":"Swarna Gramin Bima Yojana (Group) (IRDAI copy)","pages":36,"fetched_at":"2026-10-20 02:24:04+00","source_url":"https://irdai.gov.in/documents/37343/931203/Swarna+Gramin+Bima+Yojana+%28Group%29_2014-2015.pdf/2c249701-33c8-2488-ea07-e078a4349646?version=1.1&t=1668407559400&download=true","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-group-unihlgp14002v011314/document/28227"},{"kind":"prospectus","label":"Swarna Gramin Bima Yojana (Group) - Prospectus/Sales Literature","pages":20,"fetched_at":"2026-10-17 20:18:29+00","source_url":"https://www.universalsompo.com/assets/file/withdrawn-products/swarna-gramin-bima-yojana-group/prospectus.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-group-unihlgp14002v011314/document/17891"},{"kind":"premium","label":"Swarna Gramin Bima Yojana (Group) - Ratechart","pages":null,"fetched_at":"2026-10-17 20:05:25+00","source_url":"https://www.universalsompo.com/assets/file/withdrawn-products/swarna-gramin-bima-yojana-group/ratechart.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-group-unihlgp14002v011314/document/31920"}],"versions":[{"uin":"IRDA/NL-HLT/USGI/P-H/V.I/15/14-15","version":null,"approved_on":null},{"uin":"UNIHLGP14002V011314","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Universal Sompo General Insurance official website","url":"https://www.universalsompo.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claims","url":"https://www.universalsompo.com/claims/","note":null},{"purpose":"claim","kind":"insurer","name":"Motor claim intimation","url":"https://www.universalsompo.com/claimintimation/","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://www.universalsompo.com/resourse-grievance-redressal/","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"renew","kind":"insurer","name":"Renew now","url":"https://www.universalsompo.com/renew-now/","note":null}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Swarna Gramin Bima Yojana (Group) (UIN UNIHLGP14002V011314), IndiaInsurances, https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-group-unihlgp14002v011314"}