{"uin":"UNIHLIP14008V011314","name":"Swarna Gramin Bima Yojana (Individual)","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-individual-unihlip14008v011314","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":"hospital-cash","category_name":"Hospital daily cash","irdai_type":null,"kind":"product","status":"active","approved_on":"2014-06-30","withdrawn_on":null,"summary":"Swarna Gramin Bima Yojana is a fixed-benefit rural health package with personal accident, critical illness and hospital cash sections. The policy has 30 days grace period, 15 days free-look period and lifelong renewal.","analysis":{"state":"machine","analysed_at":"2026-10-19 22:46:38.506236+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 available under individual policies.","display":"1 to 3 years","note":null,"quote":"Policy term of one to three years available under individual policies.","sources":[{"clause":"F.2(c)","heading":"Long Term Policy discount","page":22,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-individual-unihlip14008v011314/document/17899#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.","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":22,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-individual-unihlip14008v011314/document/17899#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":["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","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","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)","All reports, including but not limited to all medical reports, case histories, investigation reports, treatment papers, discharge summaries.","A precise diagnosis of the treatment for which a claim is made.","A detailed list of the individual medical services and treatments provided and a unit price for each.","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":"Policy copy, medical and police records, bills, diagnosis and hospital records, depending on claim type","note":null,"quote":"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 ... 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 ... 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. ... 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":"F.2(a)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-individual-unihlip14008v011314/document/17899#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-individual-unihlip14008v011314/document/17899#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-individual-unihlip14008v011314/document/17899#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-individual-unihlip14008v011314/document/17899#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-individual-unihlip14008v011314/document/17899#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-individual-unihlip14008v011314/document/17899#c-f-2-f"},{"clause":"F.2(b)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-individual-unihlip14008v011314/document/17899#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-individual-unihlip14008v011314/document/17899#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-individual-unihlip14008v011314/document/17899#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-individual-unihlip14008v011314/document/17899#c-f-2-e-2"},{"clause":"F.2(a)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-individual-unihlip14008v011314/document/17899#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-individual-unihlip14008v011314/document/17899#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-individual-unihlip14008v011314/document/17899#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-individual-unihlip14008v011314/document/17899#c-f-2-d-4"},{"clause":"F.2(a)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-individual-unihlip14008v011314/document/17899#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-individual-unihlip14008v011314/document/17899#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-individual-unihlip14008v011314/document/17899#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 receiving the last necessary claim document. Admissible claims shall be paid within 7 working days from acceptance, with interest for delay.","display":"Settlement or rejection within 30 days of last necessary claim document; payment within 7 working days of acceptance","note":null,"quote":"We shall settle claim(s), including its rejection, within thirty days of the receipt of the last necessary claim document ... 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-individual-unihlip14008v011314/document/17899#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-individual-unihlip14008v011314/document/17899#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 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","Cosmetic or plastic surgery or any elective surgery or cosmetic procedure","Any routine or prescribed medical checkup or examination.","Any Sickness that has been classified as an Epidemic by the Central or State Government","Convalescence, general debility, nervous or other breakdown, rest cure, sterility, sterilization or infertility","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.","Directly or indirectly, caused by venereal disease, AIDS or insanity.","Arising or resulting from committing any breach of law or participating in an actual or attempted felony, riot, crime, misdemeanour or civil commotion.","Due to war or ionising radiation or nuclear perils.","Dental treatment or surgery of any kind unless necessitated by Accidental Bodily Injury.","All kind of Alternate Treatment"],"display":"90-day critical illness waiting, 30-day sickness hospitalisation waiting, 48-month PED waiting and standard permanent exclusions","note":null,"quote":"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 ... Cosmetic or plastic surgery or any elective surgery or cosmetic procedure ... Any routine or prescribed medical checkup or examination. ... Any Sickness that has been classified as an Epidemic by the Central or State Government ... Convalescence, general debility, nervous or other breakdown, rest cure, sterility, sterilization or infertility ... 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. ... Directly or indirectly, caused by venereal disease, AIDS or insanity. ... Arising or resulting from committing any breach of law or participating in an actual or attempted felony, riot, crime, misdemeanour or civil commotion. ... Due to war or ionising radiation or nuclear perils. ... Dental treatment or surgery of any kind unless necessitated by Accidental Bodily Injury. ... All kind of Alternate Treatment","sources":[{"clause":"E.1","heading":"Specific Exclusions","page":14,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-individual-unihlip14008v011314/document/17899#c-e-1"},{"clause":"E.1(a)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-individual-unihlip14008v011314/document/17899#c-e-1-a-2"},{"clause":"E.1(b)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-individual-unihlip14008v011314/document/17899#c-e-1-b-2"},{"clause":"E.1(e)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-individual-unihlip14008v011314/document/17899#c-e-1-e"},{"clause":"E.1(f)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-individual-unihlip14008v011314/document/17899#c-e-1-f"},{"clause":"E.1(h)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-individual-unihlip14008v011314/document/17899#c-e-1-h"},{"clause":"E.1(i)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-individual-unihlip14008v011314/document/17899#c-e-1-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":"For grievances, the insured may contact the company through its website, address, toll-free numbers or email, or contact the branch or Complaints Coordinator at the Registered Office before approaching the Insurance Ombudsman.","display":"Contact the company, branch or Complaints Coordinator first; then Ombudsman if unresolved","note":null,"quote":"In case of any grievance the insured person may contact the company through Website: Universal Sompo General Insurance Co. Ltd. ... E-mail Address: contactus@universalsompo.com. ... You 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":null,"heading":"Redressal of Grievance","page":19,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-individual-unihlip14008v011314/document/17899#c-redressal-of-grievance"},{"clause":"7","heading":"Grievances","page":20,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-individual-unihlip14008v011314/document/17899#c-7-3"},{"clause":null,"heading":"Contact Details for Senior Citizen","page":20,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-individual-unihlip14008v011314/document/17899#c-contact-details-for-senior-citizen"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"quote-verified","value":"Personal Accident and Critical Illness sum insured options shown are Rs. 50,000, 75,000, 1,00,000, 1,25,000, 1,50,000, 1,75,000 and 2,00,000. Hospital Cash options are Rs 250, Rs 500 or Rs 1000 per day, with maximum amounts shown as Rs 45000, Rs 9,0000 and Rs 1,80,000.","display":"PA/CI: Rs. 50,000 to Rs. 2,00,000; Hospital Cash: Rs 250, Rs 500 or Rs 1000 per day","note":"From the prospectus; the policy schedule leaves benefit amounts as selected amounts or placeholders.","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 ... Age band | 50000 | 75000 | 100000 | 125000 | 150000 | 175000 | 200000 ... Maximum Amount | Option I | Option II | Option III\nRs 250/ - per day | Rs 500/- per day | Rs 1000/- per day\nRs 45000/- | Rs 9,0000/- | Rs 1,80,000/-","sources":[{"clause":null,"heading":"1) Basic Premium Rate For Personal Accident(PA) Section ( Excluding Service Tax)","page":3,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-individual-unihlip14008v011314/document/17888#c-1-basic-premium-rate-for-personal-accident-pa-se"},{"clause":null,"heading":"Basic Premium for Critical Illnesses and Surgical Procedure – Option 1","page":5,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-individual-unihlip14008v011314/document/17888#c-basic-premium-for-critical-illnesses-and-surgica"},{"clause":null,"heading":"Benefit Options","page":3,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-individual-unihlip14008v011314/document/17888#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 for sickness hospitalisation; 90 days for critical illness","note":"Critical illness claims have a separate Ninety (90) days exclusion.","quote":"Sickness requiring Hospitalisation within the first 30 days from the commencement date of the Policy Period ... Any Critical Illness of which, the signs or symptoms first occurred prior to or within Ninety (90) days following the Policy Issue Date","sources":[{"clause":"E.1","heading":"Specific Exclusions","page":14,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-individual-unihlip14008v011314/document/17899#c-e-1"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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.1","heading":"Specific Exclusions","page":14,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-individual-unihlip14008v011314/document/17899#c-e-1"}],"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 urinary, biliary, ENT, gynaecological, hernia, joint, renal, cancer, ulcer, diabetes, ear, gout, rheumatism and varicose conditions","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.1","heading":"Specific Exclusions","page":14,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-individual-unihlip14008v011314/document/17899#c-e-1"}],"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":"The insured person may port the policy to other insurers by applying at least 45 days before, but not earlier than 60 days from, the renewal date, and will get accrued continuity benefits in waiting periods as per IRDAI portability guidelines if continuously covered without lapses.","display":"Yes, portability to other insurers with accrued continuity benefits in waiting periods","note":null,"quote":"The insured person will have the option to port the policy to other insurers by applying to such insurer to port the entire policy along with all the members of the family, if any, at least 45 days before, but not earlier than 60 days from the policy renewal date as per IRDAI guidelines related to portability. lf such person is presently covered and has been continuously covered without any lapses under any health insurance policy with an lndian General/Health insurer, the proposed insured person will get the accrued continuity benefits in waiting periods as per IRDAI guidelines on portability.","sources":[{"clause":"5","heading":"Portability","page":19,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-individual-unihlip14008v011314/document/17899#c-5-3"}],"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, misrepresentation of the Insured Persons","sources":[{"clause":"4(a)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-individual-unihlip14008v011314/document/17899#c-4-a"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"quote-verified","value":"No loading shall apply on renewals based on individual claims experience.","display":"No claim-based renewal loading","note":null,"quote":"No loading shall apply on renewals based on individual claims experience","sources":[{"clause":"4(c)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-individual-unihlip14008v011314/document/17899#c-4-c"}],"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":["Any Illness, sickness or disease , other than specified as Critical Illness, as mentioned in the policy schedule","Any Critical Illness based on a Diagnosis made by You or Your Family Member or anyone who is living in the same household as You or by a herbalists, acupuncturist or other non-traditional health care provider","Cosmetic or plastic surgery or any elective surgery or cosmetic procedure","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.","Emotional distress","Whilst engaging in aviation or ballooning","Directly or indirectly, caused by venereal disease, AIDS or insanity.","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.","Whilst working in underground mines or explosive mines, electric installation with high tension supply, or as jockey or circus personnel or any such occupations of similar hazard.","Any loss resulting directly or indirectly, contributed or aggravated or prolonged by childbirth or from pregnancy ( except Ectopic Pregnancy)","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.","Hospitalisation for the sole purpose of traction, physiotherapy","Naval or military operations of the armed forces or airforce","All kind of Alternate Treatment"],"display":"Specified CI-only limits plus self-injury, intoxication, aviation, AIDS, crime, hazardous sports/occupations, war/nuclear, pregnancy, experimental treatment, dental, traction/physiotherapy, military and alternate treatment exclusions","note":null,"quote":"Any Illness, sickness or disease , other than specified as Critical Illness, as mentioned in the policy schedule ... Any Critical Illness based on a Diagnosis made by You or Your Family Member or anyone who is living in the same household as You or by a herbalists, acupuncturist or other non-traditional health care provider ... Cosmetic or plastic surgery or any elective surgery or cosmetic procedure ... 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. ... Emotional distress ... Whilst engaging in aviation or ballooning ... Directly or indirectly, caused by venereal disease, AIDS or insanity. ... 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. ... Whilst working in underground mines or explosive mines, electric installation with high tension supply, or as jockey or circus personnel or any such occupations of similar hazard. ... Any loss resulting directly or indirectly, contributed or aggravated or prolonged by childbirth or from pregnancy ( except Ectopic Pregnancy) ... 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. ... Hospitalisation for the sole purpose of traction, physiotherapy ... Naval or military operations of the armed forces or airforce ... All kind of Alternate Treatment","sources":[{"clause":"E.1","heading":"Specific Exclusions","page":14,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-individual-unihlip14008v011314/document/17899#c-e-1"},{"clause":"E.1(a)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-individual-unihlip14008v011314/document/17899#c-e-1-a-2"},{"clause":"E.1(b)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-individual-unihlip14008v011314/document/17899#c-e-1-b-2"},{"clause":"E.1(c)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-individual-unihlip14008v011314/document/17899#c-e-1-c"},{"clause":"E.1(d)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-individual-unihlip14008v011314/document/17899#c-e-1-d"},{"clause":"E.1(e)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-individual-unihlip14008v011314/document/17899#c-e-1-e"},{"clause":"E.1(f)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-individual-unihlip14008v011314/document/17899#c-e-1-f"},{"clause":"E.1(g)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-individual-unihlip14008v011314/document/17899#c-e-1-g"},{"clause":"E.1(h)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-individual-unihlip14008v011314/document/17899#c-e-1-h"},{"clause":"E.1(i)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-individual-unihlip14008v011314/document/17899#c-e-1-i-2"}],"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":"If the policyholder cancels, refund is based on the unexpired policy period: for a 1-year cover, 75% within 1 month, 50% from 1 month to 3 months, 25% from 3 month to 6 months and 0% from 6 months to 1 year. Different refund percentages apply for 2-year and 3-year covers, and no refund is made if any claim has been admitted, lodged or any benefit availed.","display":"Refund table: 1-year cover 75%, 50%, 25% or 0%; no refund if claim admitted/lodged/benefit availed","note":null,"quote":"the Company shall refund premium for the unexpired policy period as detailed 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% ... no refunds of premium shall be made in respect of Cancellation where, any claim has been admitted or has been lodged or any benefit has been availed by the insured person under the policy.","sources":[{"clause":null,"heading":"2. Cancellation/termination By You","page":18,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-individual-unihlip14008v011314/document/17899#c-2-cancellation-termination-by-you"},{"clause":null,"heading":"Cancellation Period","page":18,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-individual-unihlip14008v011314/document/17899#c-cancellation-period"},{"clause":null,"heading":"By Us","page":18,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-individual-unihlip14008v011314/document/17899#c-by-us"}],"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-individual-unihlip14008v011314/document/17899#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":"Applicable on new individual health insurance policies and not on renewals or porting/migrating.","quote":"The insured person shall be allowed free look period of fifteen days from date of receipt of the policy document to review the terms and conditions of the policy, and to return the same if not acceptable.","sources":[{"clause":"3","heading":"Free Look-up period","page":18,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-individual-unihlip14008v011314/document/17899#c-3-4"}],"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":null,"quote":"At the end of the policy period, the policy shall terminate and can be renewed within the Grace Period of 30 days to maintain continuity of benefits without break in policy.","sources":[{"clause":"4(b)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-individual-unihlip14008v011314/document/17899#c-4-b"}],"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. 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In consideration of the payment of additional premium","sources":[{"clause":"2","heading":"Section 2- Critical Illness*","page":3,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-individual-unihlip14008v011314/document/17888#c-2"},{"clause":"3","heading":"Section C- Hospital Cash","page":3,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-individual-unihlip14008v011314/document/17888#c-3"},{"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-individual-unihlip14008v011314/document/17899#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 during the grace period.","display":"Coverage is not available during the grace period","note":null,"quote":"Coverage is not available during the grace period.","sources":[{"clause":"4(b)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-individual-unihlip14008v011314/document/17899#c-4-b"}],"law":[]},{"key":"daily_amount","label":"Daily amount","section":"Cover","meaning":"The fixed amount paid per day in hospital.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"max_days","label":"Maximum days","section":"Cover","meaning":"Most days paid per admission and per year.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"min_stay","label":"Minimum stay","section":"Cover","meaning":"How long you must be in hospital before daily cash starts.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Swarna Gramin Bima Yojana (Individual) - Policy Wording","pages":37,"fetched_at":"2026-10-17 20:18:35+00","source_url":"https://www.universalsompo.com/assets/file/withdrawn-products/swarna-gramin-bima-yojana-Individual/policy-wordings.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-individual-unihlip14008v011314/document/17899"},{"kind":"wording","label":"Swarna Gramin Bima Yojana (Individual) (IRDAI copy)","pages":34,"fetched_at":"2026-10-20 02:24:14+00","source_url":"https://irdai.gov.in/documents/37343/931203/Swarna+Gramin+Bima+Yojana+%28Individual%29+-+Policy+Wordings_2014-2015.pdf/29e130db-0e5d-3d2f-ddcc-706a0e1207e1?version=1.1&t=1668407304381&download=true","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-individual-unihlip14008v011314/document/28239"},{"kind":"prospectus","label":"Swarna Gramin Bima Yojana (Individual) - Prospectus/Sales Literature","pages":23,"fetched_at":"2026-10-17 20:18:27+00","source_url":"https://www.universalsompo.com/assets/file/withdrawn-products/swarna-gramin-bima-yojana-Individual/prospectus.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-individual-unihlip14008v011314/document/17888"},{"kind":"premium","label":"Swarna Gramin Bima Yojana (Individual) - Ratechart","pages":null,"fetched_at":"2026-10-17 20:05:16+00","source_url":"https://www.universalsompo.com/assets/file/withdrawn-products/swarna-gramin-bima-yojana-Individual/rate-chart.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-individual-unihlip14008v011314/document/31919"}],"versions":[{"uin":"IRDA/NL-HLT/USGI/P-H/V.I/30/13-14","version":null,"approved_on":null},{"uin":"UNIHLIP14008V011314","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 (Individual) (UIN UNIHLIP14008V011314), IndiaInsurances, https://indiainsurances.com/policy/universal-sompo-general-insurance/swarna-gramin-bima-yojana-individual-unihlip14008v011314"}