{"uin":"UNIHLIP25015V042425","name":"IOB Health Care Plus Policy","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425","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":"health-indemnity","category_name":"Health insurance (hospitalisation)","irdai_type":null,"kind":"product","status":"active","approved_on":"2013-09-30","withdrawn_on":null,"summary":"IOB Health Care Plus Policy is a health indemnity policy for Indian Overseas Bank customers with individual and floater sum insured options from Rs 50,000 to Rs 15,00,000 and Plan A and Plan B family combinations. It has a 30 days initial waiting period, 36 months pre-existing disease waiting period, 12 months specific waiting period, maternity and newborn treatment cover up to 5% of the sum insured after 9 months, and an optional personal accident death cover.","analysis":{"state":"machine","analysed_at":"2026-10-19 22:48:24.708968+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Plan A","Plan B"],"display":"Plan A and Plan B","note":null,"quote":"An individual may cover himself/ herself and his/ her spouse, dependent children under Plan A of the Policy and himself/herself, his/her spouse, dependent children and dependent parents under Plan B of the policy.","sources":[{"clause":"2","heading":"Eligibility","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17489#c-2"}],"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":"The policy term is from one year to three years for individual policies.","display":"1 year to 3 years","note":"From the prospectus.","quote":"Long Term Policy: The Policy term from one year to three years is available under individual policies.","sources":[{"clause":"4","heading":"Policy Tenure","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17489#c-4"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"For non-network cashless processing, prior intimation is required at least 48 hours before planned admission and within 24 hours of emergency admission. For reimbursement, the policy says to inform the insurer about the claim but does not state a deadline.","display":"Non-network cashless: 48 hours before planned admission; within 24 hours of emergency admission","note":"The stated 48-hour and 24-hour deadlines are for non-network cashless claims.","quote":"Prior Intimation is required for processing cashless from non-network hospitals: ➢ Inform us (Toll Free Helpline – 1800 200 4030) minimum 48 hours before admission for planned hospitalization and within 24 hours of admission for emergency hospitalization across India. ... Visit our Web Portal to register claim or Call our Health Helpline 1800 200 4030 or email us at contactus@universalsompo.com and inform about your claim.","sources":[{"clause":"Section D","heading":"CLAIMS PROCEDURE","page":12,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17488#c-section-d"}],"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":["Claim form duly filled and signed by the Insured","Certificate from attending medical practitioner mentioning the first symptoms and date of occurrence of ailment","All treatment papers of current ailment including previous treatment papers if any","Original Discharge Card from the hospital, Indoor Case Papers","All original medical Investigation reports","Original hospital bill and receipts","Original bills of chemist, medical practitioner, medical investigation, etc. supported by the doctor’s prescription","NEFT details and Personalized cancelled cheque/ Passbook copy in the name of proposer","Valid Photo ID Proof of the patient","For accident Cases: MLC (Medico Legal Certificate)/ FIR (First Information report)","Copy of latest valid address proof of proposer along with copy of PAN card & Aadhaar Card"],"display":"Claim form, medical certificate, treatment papers, discharge card and indoor case papers, investigation reports, bills and receipts, prescriptions, NEFT and cancelled cheque or passbook, photo ID, MLC/FIR for accident cases, address proof, PAN and Aadhaar","note":"The policy says the list is indicative and further documents may be requested.","quote":"I) Claim form duly filled and signed by the Insured II) Certificate from attending medical practitioner mentioning the first symptoms and date of occurrence of ailment. III) All treatment papers of current ailment including previous treatment papers if any. IV) Original Discharge Card from the hospital, Indoor Case Papers. V) All original medical Investigation reports (viz. X-ray, ECG, Blood test etc). VI) Original hospital bill and receipts. VII) Original bills of chemist, medical practitioner, medical investigation, etc. supported by the doctor’s prescription. VIII) NEFT details and Personalized cancelled cheque/ Passbook copy in the name of proposer for electronic fund transfer. IX) Valid Photo ID Proof of the patient. X) For accident Cases: MLC (Medico Legal Certificate)/ FIR (First Information report). XI) Copy of latest valid address proof of proposer like electricity bill, water bill or telephone bill or updated bank statement along with copy of PAN card & Aadhaar Card as per AML/KYC Norms.","sources":[{"clause":"Section D","heading":"CLAIMS PROCEDURE","page":12,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17488#c-section-d"}],"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":"conflicting","value":"The policy wording says the company shall settle or reject a claim within 15 days from the date of submission of the claim, and investigation if needed shall be completed not later than 15 days from submission of claim.","display":"15 days from submission of claim","note":"Prospectus general conditions also say: 'within 30 days from the date of receipt of last necessary document' and, for investigation cases, 'within 45 days from the date of receipt of last necessary document.'","quote":"The Company shall settle or reject a claim, as the case may be, within 15 days from the date of submission of the claim. ... where the circumstances of a claim warrant an investigation in the opinion of the Company, it shall initiate and complete such investigation at the earliest in any case not later than 15 days from the date of submission of claim.","sources":[{"clause":"E.1(a)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17488#c-e-1-a"},{"clause":"E.1(c)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17488#c-e-1-c"},{"clause":"5(ii)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17489#c-5-ii-3"},{"clause":"5(iii)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17489#c-5-iii-3"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Pre-Existing Diseases (Code- Excl01)","Specific Waiting Period: (Code- Excl02)","First Thirty Days Waiting Period (Code- Excl03)","Maternity Expenses (Code – Excl 18)","Investigation & Evaluation (Code- Excl04)","Rest Cure, Rehabilitation and Respite Care (Code- Excl05)","Obesity/ Weight Control (Code- Excl06)","Change-of-Gender Treatments: (Code- Excl07)","Cosmetic or plastic Surgery: (Code- Excl08)","Hazardous or Adventure sports: (Code- Excl09)","Breach of law: (Code- Excl10)","Excluded Providers: (Code-Excl11)","Alcoholism, drug or substance abuse or any addictive condition","Unproven Treatments:(Code- Excl16)","Sterility and Infertility: (Code- Excl17)"],"display":"Waiting-period exclusions plus standard exclusions including investigation/evaluation, rest cure, obesity not meeting conditions, gender-change treatment, cosmetic surgery, hazardous sports, breach of law, excluded providers, substance abuse, unproven treatments and sterility/infertility","note":null,"quote":"Pre-Existing Diseases (Code- Excl01) ... Specific Waiting Period: (Code- Excl02) ... First Thirty Days Waiting Period (Code- Excl03) ... Maternity Expenses (Code – Excl 18) ... A. Investigation & Evaluation (Code- Excl04) ... Rest Cure, Rehabilitation and Respite Care (Code- Excl05) ... C. Obesity/ Weight Control (Code- Excl06) ... Change-of-Gender Treatments: (Code- Excl07) ... E. Cosmetic or plastic Surgery: (Code- Excl08) ... F. Hazardous or Adventure sports: (Code- Excl09) ... G. Breach of law: (Code- Excl10) ... H. Excluded Providers: (Code-Excl11) ... Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. (Code- Excl12) ... M. Unproven Treatments:(Code- Excl16) ... N. Sterility and Infertility: (Code- Excl17)","sources":[{"clause":"1","heading":"Pre-Existing Diseases (Code- Excl01)","page":9,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17488#c-1-2"},{"clause":"2","heading":"Specific Waiting Period: (Code- Excl02)","page":9,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17488#c-2-2"},{"clause":"3","heading":"First Thirty Days Waiting Period (Code- Excl03)","page":10,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17488#c-3-2"},{"clause":"4","heading":"Maternity Expenses (Code – Excl 18)","page":10,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17488#c-4-2"},{"clause":null,"heading":"A. Investigation & Evaluation (Code- Excl04)","page":10,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17488#c-a-investigation-evaluation-code-excl04"},{"clause":null,"heading":"C. Obesity/ Weight Control (Code- Excl06)","page":11,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17488#c-c-obesity-weight-control-code-excl06"},{"clause":"4(b)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17488#c-4-b"},{"clause":null,"heading":"E. Cosmetic or plastic Surgery: (Code- Excl08)","page":11,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17488#c-e-cosmetic-or-plastic-surgery-code-excl08"},{"clause":null,"heading":"F. Hazardous or Adventure sports: (Code- Excl09)","page":11,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17488#c-f-hazardous-or-adventure-sports-code-excl09"},{"clause":null,"heading":"G. Breach of law: (Code- Excl10)","page":11,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17488#c-g-breach-of-law-code-excl10"},{"clause":null,"heading":"H. Excluded Providers: (Code-Excl11)","page":11,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17488#c-h-excluded-providers-code-excl11"},{"clause":"4(I)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17488#c-4-i"},{"clause":null,"heading":"M. Unproven Treatments:(Code- Excl16)","page":11,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17488#c-m-unproven-treatments-code-excl16"},{"clause":null,"heading":"N. Sterility and Infertility: (Code- Excl17)","page":12,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17488#c-n-sterility-and-infertility-code-excl17"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First write to Customer Service at Universal Sompo General Insurance Co. Ltd., Unit No. 601 & 602, 6th Floor, Reliable Tech Park, Thane-Belapur Road, Airoli, Navi Mumbai, Maharashtra – 400708, email grievance@universalsompo.com, or visit a branch GRO. If not satisfied or no response, write or email to the Grievance Redressal Officer at GRO@universalsompo.com.","display":"Customer Service at grievance@universalsompo.com, then GRO at GRO@universalsompo.com","note":null,"quote":"Write to:\nCustomer Service Universal Sompo General Insurance Co.Ltd. Unit No. 601 & 602, 6th Floor, Reliable Tech Park, Thane-Belapur Road, Airoli, Navi Mumbai, Maharashtra – 400708 Email: grievance@universalsompo.com\nFor More details, visit – www.universalsompo.com Visit Branch Grievance Redressal Officer (GRO) - Walk into any of our nearest branches and request to meet the GRO. ... In case, the customer is not satisfied with the decision/resolution of the above office or have not received any response, he/she may write or email/mail to:\nCustomer Service Universal Sompo General Insurance Co.Ltd. Unit No. 601 & 602, 6th Floor, Reliable Tech Park, Thane-Belapur Road, Airoli, Navi Mumbai, Maharashtra – 400708 Email ID: GRO@universalsompo.com","sources":[{"clause":"E.1(c)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17488#c-e-1-c-3"},{"clause":null,"heading":"Grievance Redressal Officer","page":17,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17488#c-grievance-redressal-officer"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"quote-verified","value":"Hospitalization cover sum insured ranges from Rs 50,000 to Rs 5,00,000 in multiples of Rs 50,000, with high range options of Rs 7,50,000, Rs 10,00,000, Rs 12,50,000 and Rs 15,00,000.","display":"Rs 50,000 to Rs 5,00,000 in multiples of Rs 50,000; high range Rs 7,50,000, Rs 10,00,000, Rs 12,50,000 and Rs 15,00,000","note":"From the prospectus.","quote":"Choice of Sum Insured ranges from Rs 50,000 to Rs 5,00,000 in multiples of Rs 50,000 . High range sum insured is available under the policy is 7,50,000 , 10,00,000 , 12,50,000 & 15,00,000.","sources":[{"clause":"3","heading":"Sum Insured","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17489#c-3"}],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Does not apply to accident claims; does not apply if there is continuous coverage for more than twelve months.","quote":"Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered.","sources":[{"clause":"3","heading":"First Thirty Days Waiting Period (Code- Excl03)","page":10,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17488#c-3-2"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"quote-verified","value":{"unit":"months","amount":36},"display":"36 months","note":"For enhanced sum insured, the exclusion applies afresh to the increased sum insured.","quote":"Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first policy with us.","sources":[{"clause":"1","heading":"Pre-Existing Diseases (Code- Excl01)","page":9,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17488#c-1-2"}],"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":12},"display":"12 months","note":"If a specified disease/procedure also falls under the pre-existing disease waiting period, the longer waiting period applies.","quote":"Expenses related to the treatment of the following listed conditions, surgeries/treatments shall be excluded until the expiry of 12 months of continuous coverage, as may be the case after the date of inception of the first policy with us. This exclusion shall not be applicable for claims arising due to an accident.","sources":[{"clause":"2(a)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17488#c-2-a"}],"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":["Cataract","Benign Prostatic Hypertrophy","Myomectomy, Hysterectomy","Hernia, Hydrocele","Fistula in anus, Piles","Arthritis, Gout, Rheumatism","Joint replacement unless due to accident","Sinusitis and related disorders","Stone in the urinary and biliary systems","Dilatation and Curettage","Skin and all internal tumors/cysts/nodules/polyps of any kind, including breast lumps unless malignant, adenoids and hemorrhoids","Dialysis required for renal failure","Surgery on tonsils and sinuses Gastric and duodenal ulcers"],"display":"Cataract; BPH; myomectomy/hysterectomy; hernia/hydrocele; fistula/piles; arthritis/gout/rheumatism; joint replacement unless accident; sinusitis; stones; D&C; tumors/cysts/nodules/polyps; dialysis for renal failure; tonsils/sinuses surgery and gastric/duodenal ulcers","note":null,"quote":"List of specific diseases/procedures:\n• Cataract\n• Benign Prostatic Hypertrophy\n• Myomectomy, Hysterectomy\n• Hernia, Hydrocele\n• Fistula in anus, Piles\n• Arthritis, Gout, Rheumatism\n• Joint replacement unless due to accident\n• Sinusitis and related disorders\n• Stone in the urinary and biliary systems\n• Dilatation and Curettage\n• Skin and all internal tumors/cysts/nodules/polyps of any kind, including breast\n• lumps unless malignant, adenoids and hemorrhoids\n• Dialysis required for renal failure\n• Surgery on tonsils and sinuses Gastric and duodenal ulcers","sources":[{"clause":"2(f)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17488#c-2-f"}],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"quote-verified","value":{"unit":"months","amount":60},"display":"Sixty Continuous Months","note":"For enhanced sums insured, sixty continuous months applies from the date of enhancement on the enhanced limits.","quote":"After completion of Sixty Continuous Months under the policy no look back to be applied. This period of sixty months is called as moratorium period. ... After the expiry of Moratorium Period no health insurance claim shall be contestable except for proven fraud and permanent exclusions specified in the policy contract.","sources":[{"clause":"E.1(b)(iii)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17488#c-e-1-b-iii"}],"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 policyholder can port the policy from one insurer to another and transfer credits for sum insured, no claim bonus, specific waiting periods, pre-existing disease waiting period and moratorium period from the existing insurer to the acquiring insurer.","display":"Can port to another insurer with waiting-period and other continuity credits","note":null,"quote":"A Policyholder has the choice to port his/ her policies from one Insurer to another. The policyholder is entitled to transfer the credits gained to the extent of the Sum Insured, No Claim Bonus, specific waiting periods, waiting period for pre-existing disease, Moratorium period etc from the Existing Insurer to the Acquiring Insurer in the previous policy.","sources":[{"clause":"E.1(b)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17488#c-e-1-b-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, lifetime renewal","note":"From the prospectus.","quote":"The policy can be renewed lifetime","sources":[{"clause":"4","heading":"Policy Tenure","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17489#c-4"}],"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":"The policy says renewal cannot be denied because a claim was made, but it does not state whether premium can be loaded after claims.","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":"quote-verified","value":["Investigation & Evaluation (Code- Excl04)","Rest Cure, Rehabilitation and Respite Care (Code- Excl05)","Obesity/ Weight Control (Code- Excl06)","Change-of-Gender Treatments: (Code- Excl07)","Cosmetic or plastic Surgery: (Code- Excl08)","Hazardous or Adventure sports: (Code- Excl09)","Breach of law: (Code- Excl10)","Excluded Providers: (Code-Excl11)","Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. (Code- Excl12)","Treatments received in heath hydros, nature cure clinics, spas or similar establishments","Dietary supplements and substances that can be purchased without prescription","Refractive Error:(Code- Excl15)","Unproven Treatments:(Code- Excl16)","Sterility and Infertility: (Code- Excl17)","War","Nuclear, chemical or biological attack or weapons","Treatment taken outside the geographical limits of India"],"display":"Excl04 to Excl17, war, nuclear/chemical/biological attack or weapons, and treatment outside India","note":null,"quote":"A. Investigation & Evaluation (Code- Excl04) ... Rest Cure, Rehabilitation and Respite Care (Code- Excl05) ... C. Obesity/ Weight Control (Code- Excl06) ... Change-of-Gender Treatments: (Code- Excl07) ... E. Cosmetic or plastic Surgery: (Code- Excl08) ... F. Hazardous or Adventure sports: (Code- Excl09) ... G. Breach of law: (Code- Excl10) ... H. Excluded Providers: (Code-Excl11) ... Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. (Code- Excl12) J. Treatments received in heath hydros, nature cure clinics, spas or similar establishments ... Dietary supplements and substances that can be purchased without prescription ... Refractive Error:(Code- Excl15) ... M. Unproven Treatments:(Code- Excl16) ... N. Sterility and Infertility: (Code- Excl17) ... War (whether declared or not) ... Nuclear, chemical or biological attack or weapons ... Treatment taken outside the geographical limits of India","sources":[{"clause":null,"heading":"A. Investigation & Evaluation (Code- Excl04)","page":10,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17488#c-a-investigation-evaluation-code-excl04"},{"clause":null,"heading":"C. Obesity/ Weight Control (Code- Excl06)","page":11,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17488#c-c-obesity-weight-control-code-excl06"},{"clause":"4(b)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17488#c-4-b"},{"clause":null,"heading":"E. Cosmetic or plastic Surgery: (Code- Excl08)","page":11,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17488#c-e-cosmetic-or-plastic-surgery-code-excl08"},{"clause":null,"heading":"F. Hazardous or Adventure sports: (Code- Excl09)","page":11,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17488#c-f-hazardous-or-adventure-sports-code-excl09"},{"clause":null,"heading":"G. Breach of law: (Code- Excl10)","page":11,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17488#c-g-breach-of-law-code-excl10"},{"clause":null,"heading":"H. Excluded Providers: (Code-Excl11)","page":11,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17488#c-h-excluded-providers-code-excl11"},{"clause":"4(I)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17488#c-4-i"},{"clause":null,"heading":"M. Unproven Treatments:(Code- Excl16)","page":11,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17488#c-m-unproven-treatments-code-excl16"},{"clause":null,"heading":"N. Sterility and Infertility: (Code- Excl17)","page":12,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17488#c-n-sterility-and-infertility-code-excl17"},{"clause":"4(iv)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17488#c-4-iv"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The policyholder may cancel at any time during the term by giving 7 days notice in writing. The insurer refunds proportionate premium for the unexpired policy period for policies up to one year if no claim has been made, and refunds premium for unexpired policy years not yet commenced for policies with term more than 1 year.","display":"7 days notice; proportionate refund for unexpired period if term up to 1 year and no claim; for terms over 1 year, refund for unexpired policy years whose risk has not commenced","note":null,"quote":"The policyholder may cancel his/her policy at any time during the term, by giving 7 days notice in writing. ... Refund proportionate premium for unexpired policy period, if the term of policy upto one year and there is no claim (s) made during the policy period. ... Refund premium for the unexpired policy period, in respect of policies with term more than 1 year and risk coverage for such policy years has not commenced.","sources":[{"clause":"E.1(d)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17488#c-e-1-d-2"},{"clause":"E.1(a)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17488#c-e-1-a-3"},{"clause":"E.1(b)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17488#c-e-1-b-3"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"The policy covers treatment in India only and excludes treatment taken outside the geographical limits of India.","display":"India only","note":null,"quote":"hospitalization for medical/ surgical treatment in any Nursing Home/ Hospital in India as defined in the policy ... Treatment taken outside the geographical limits of India","sources":[{"clause":null,"heading":"IOB HEALTH CARE PLUS POLICY","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17488#c-iob-health-care-plus-policy"},{"clause":"4(iv)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17488#c-4-iv"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Available for policies with a term of one year or more.","quote":"A period of 30 days (from the date of receipt of the policy document) is available to the policyholder to review the terms and conditions of the policy. If he/ she is not satisfied with any of the terms and conditions, he/she has the option to cancel his/her policy.","sources":[{"clause":"E.1(b)(iii)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17488#c-e-1-b-iii"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":15},"display":"15 days for monthly instalments; 30 days for quarterly/half-yearly/annual instalments","note":"Norm uses the shorter monthly-instalment grace period.","quote":"The grace period of fifteen days (where premium is paid on a monthly instalments) and thirty days (where premium is paid in quarterly/half-yearly/annual instalments) is available on the premium due date, to pay the premium.","sources":[{"clause":"E.1(a)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17488#c-e-1-a-4"}],"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":"Account holders of Indian Overseas Bank aged 18 to 65 years are eligible. The enrollment age under the policy is from 1 day to 65 years, and the proposer must be at least 18 years.","display":"Enrollment age 1 day to 65 years; proposer minimum 18 years","note":"From the prospectus.","quote":"All account holders of Indian Overseas Bank within the age band of 18 to 65 years are eligible to take the Policy.\n• The enrollment age under the policy is from 1 day to 65 years.\n• The minimum age for the proposer should be 18 years.","sources":[{"clause":"2","heading":"Eligibility","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17489#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 installment"],"display":"Single installment","note":"From the prospectus. Grace-period clauses refer to monthly, quarterly, half-yearly and annual instalments, but the prospectus states premiums under this policy are payable in a single installment.","quote":"Premiums under the Policy shall be payable in a single installment.","sources":[{"clause":null,"heading":"Discount, Loading and Co-pay (if any)","page":3,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17489#c-discount-loading-and-co-pay-if-any"}],"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":["Personal Accident Death Cover"],"display":"Personal Accident Death Cover","note":null,"quote":"In case you have opted for additional cover against Personal Accident- Death only benefit and have paid additional premium, We will pay a lump sum amount as mentioned in the table below in the event of Accidental Death of the Insured whose name is appearing in the Schedule forming part of this Policy","sources":[{"clause":null,"heading":"ADDITIONAL EXTENSION","page":25,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17488#c-additional-extension"}],"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":"If the premium is paid in instalments during the policy period, coverage will be available for the grace period also.","display":"Coverage available during grace period if premium is paid in instalments during the policy period","note":null,"quote":"If the premium is paid in instalments during the policy period, coverage will be available for the grace period also.","sources":[{"clause":"E.1(c)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17488#c-e-1-c-3"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for the hospital room, or the room category allowed. If you take a costlier room, other bills can be cut in proportion.","status":"not-stated","value":null,"display":null,"note":"The policy covers room, boarding and nursing expenses but does not state a room-rent amount, percentage or category limit.","quote":null,"sources":[],"law":[]},{"key":"room_category","label":"Room category allowed","section":"Limits and co-pay","meaning":"Shared room, single private room or any room, by plan, when the limit is a room type rather than a rupee amount.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"icu_limit","label":"ICU limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for intensive care.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"proportionate_deduction","label":"Proportionate deduction","section":"Limits and co-pay","meaning":"If you choose a room above your limit, whether the insurer reduces associated charges (doctor fees, tests, procedures) by the same proportion.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"copay","label":"Co-payment","section":"Limits and co-pay","meaning":"The share of every admissible claim you pay yourself, and when it applies (age, zone, choice of hospital).","status":"conflicting","value":"A co-payment of 20% applies on each and every claim of an insured person above 55 years of age.","display":"20% on each claim for insured persons above 55 years","note":"The older CIS says: 'There is no Co-Payment applicable under this policy.' The policy wording and later CIS state the 20% co-pay above 55 years.","quote":"A co-payment of 20% shall be applicable on each and every claim of Insured Person who is above 55 years of age under the Policy","sources":[{"clause":"10","heading":"In case of death in hospital, funeral expenses are reimbursed up to Rs. 1000/ over and","page":9,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17488#c-10"},{"clause":"10","heading":"In case of death in hospital, funeral expenses","page":3,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17487#c-10"}],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"An amount of each claim or each year that you bear before the policy pays.","status":"quote-verified","value":"There is no deductible applicable under the policy.","display":"No deductible","note":null,"quote":"There is no Deductible applicable under policy,","sources":[{"clause":"10","heading":"In case of death in hospital, funeral expenses are","page":3,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17692#c-10"}],"law":[]},{"key":"disease_sublimits","label":"Disease or procedure sub-limits","section":"Limits and co-pay","meaning":"Caps on what is paid for named treatments (cataract, knee replacement...), even if the sum insured is higher.","status":"quote-verified","value":["treatment arising from or traceable to pregnancy, childbirth and expenses on the treatment of the newly born child up to 5% of the sum insured","treatment of any one illness under agreed package charges of the Hospital/Nursing Home will be restricted to 75% of the Sum Insured"],"display":"Maternity/newborn treatment up to 5% of sum insured; agreed package charges for any one illness restricted to 75% of sum insured","note":"Maternity/newborn treatment is also subject to a 9 months waiting period.","quote":"The medical expenses on treatment arising from or traceable to pregnancy, childbirth and expenses on the treatment of the newly born child up to 5% of the sum insured ... The Hospitalization expenses incurred for treatment of any one illness under agreed package charges of the Hospital/Nursing Home will be restricted to 75% of the Sum Insured.","sources":[{"clause":"4","heading":"The medical expenses on treatment arising from or traceable to pregnancy, childbirth and","page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17488#c-4"},{"clause":"10","heading":"In case of death in hospital, funeral expenses are reimbursed up to Rs. 1000/ over and","page":9,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17488#c-10"}],"law":[]},{"key":"pre_hospitalisation","label":"Pre-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days before admission that are paid if related to the hospitalisation.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Nursing expenses during pre-hospitalisation are considered only if a qualified nurse is employed on the attending medical practitioner's advice for the specified duration.","quote":"The Medical Expenses incurred in the 30 days immediately prior before the date You were Hospitalized","sources":[{"clause":"5","heading":"The Medical Expenses incurred in the 30 days immediately prior before the date You were","page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17488#c-5"}],"law":[]},{"key":"post_hospitalisation","label":"Post-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days after discharge that are paid if related to the hospitalisation.","status":"quote-verified","value":{"unit":"days","amount":60},"display":"60 days","note":"Nursing expenses during post-hospitalisation are considered only if a qualified nurse is employed on the attending medical practitioner's advice for the specified duration.","quote":"The Medical Expenses incurred in the 60 days immediately after Your date of discharge","sources":[{"clause":"6","heading":"The Medical Expenses incurred in the 60 days immediately after Your date of discharge","page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17488#c-6"}],"law":[]},{"key":"day_care","label":"Day-care treatments","section":"Cover","meaning":"Treatments needing less than 24 hours in hospital (chemotherapy, dialysis, cataract) and whether all or only listed ones are covered.","status":"quote-verified","value":"Day-care or less-than-24-hour hospitalisation is covered for specified treatments such as dialysis, chemotherapy, radiotherapy, eye surgery, lithotripsy, D&C and tonsillectomy, and also where treatment necessitates hospitalisation with specialised hospital infrastructure and technological advances require hospitalisation for less than 24 hours.","display":"Listed day-care treatments and other less-than-24-hour hospitalisations due to technological advances are covered","note":null,"quote":"this time limit is not applied to specific treatments, i.e. Dialysis, Chemotherapy, Radiotherapy, Eye Surgery, Lithotripsy (Kidney stone removal), D&C, Tonsillectomy taken in the Hospital/ Nursing Home and where in the insured is discharged on the same day, such treatment will be considered to have been taken under hospitalization benefit. ... the treatment is such that it necessitates hospitalization, and the procedure involves specialized infrastructural facilities available in hospitals ... due to technological advances hospitalization is required for less than 24 hours only.","sources":[{"clause":"10","heading":"In case of death in hospital, funeral expenses are reimbursed up to Rs. 1000/ over and","page":9,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17488#c-10"}],"law":[]},{"key":"domiciliary","label":"Treatment at home","section":"Cover","meaning":"Whether treatment at home is covered when hospital admission is not possible or a doctor advises it.","status":"not-stated","value":null,"display":null,"note":"Domiciliary Hospitalization is defined, but the cover section does not state a domiciliary treatment benefit.","quote":null,"sources":[],"law":[]},{"key":"ayush","label":"AYUSH treatment","section":"Cover","meaning":"Ayurveda, Yoga, Unani, Siddha and Homeopathy treatment in a recognised hospital, and any limit.","status":"not-stated","value":null,"display":null,"note":"AYUSH terms are defined, but the cover section does not state an AYUSH treatment benefit or limit.","quote":null,"sources":[],"law":[{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 1","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 2","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 1","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II A.I(1)","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"modern_treatments","label":"Modern treatments","section":"Cover","meaning":"Robotic surgery, immunotherapy, oral chemotherapy, stem cell therapy and the like, and any cap on them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 2","url":"https://indiainsurances.com/law/irdai-health-mc-2024"}]},{"key":"organ_donor","label":"Organ donor expenses","section":"Cover","meaning":"Whether the donor's hospital costs for an organ transplant are paid.","status":"quote-verified","value":"The policy covers cost of organ harvesting as part of hospitalisation expenses.","display":"Cost of Organ harvesting covered","note":null,"quote":"The Medical Expenses incurred on Anesthesia, Blood, Oxygen, Operation Theatre, Surgical\nAppliances, Medicines and Drugs, Diagnostic Materials and X-ray, Dialysis, Chemotherapy, Radiotherapy, Cost of Pacemaker, Artificial Limbs, Cost of Organ harvesting and similar expenses.","sources":[{"clause":"3","heading":"The Medical Expenses incurred on Anesthesia, Blood, Oxygen, Operation Theatre, Surgical","page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17488#c-3"}],"law":[]},{"key":"ambulance","label":"Ambulance cover","section":"Cover","meaning":"Road (and air) ambulance cover and its limit.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"restoration","label":"Restoration of sum insured","section":"Cover","meaning":"Whether the sum insured is refilled after it is used up in a year, how much, how often, and whether it works for the same illness.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"no_claim_bonus","label":"No-claim or cumulative bonus","section":"Cover","meaning":"How much the cover grows each year, the maximum, whether it depends on not claiming, and what happens after a claim.","status":"not-stated","value":null,"display":null,"note":"The documents mention No Claim Bonus as a continuity credit but do not state a no-claim or cumulative bonus benefit for this product.","quote":null,"sources":[],"law":[]},{"key":"consumables","label":"Consumables and non-medical items","section":"Cover","meaning":"Gloves, PPE, syringes and other items hospitals bill that standard policies exclude; whether this policy pays them.","status":"quote-verified","value":"The policy lists many non-medical or consumable items as not covered, including gloves and masks, and says List I items are items for which coverage is not available in the policy.","display":"Not covered; List I includes gloves and masks","note":"Other items are stated to be subsumed into room charges, procedure charges or costs of treatment.","quote":"List I — Items for which coverage is not available in the policy ... 56 | GLOVES ... 60 | MASK","sources":[{"clause":"Annexure A","heading":null,"page":18,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17488#c-annexure-a"}],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Whether childbirth costs are covered, the limit and the waiting period.","status":"quote-verified","value":"Medical expenses for treatment arising from or traceable to pregnancy and childbirth are covered up to 5% of the sum insured, subject to the treatment not being carried out before completion of 9 months from commencement of the policy.","display":"Up to 5% of sum insured after 9 months","note":"Maternity expenses are excluded until expiry of 9 months after the date of inception of the first policy.","quote":"The medical expenses on treatment arising from or traceable to pregnancy, childbirth and\nexpenses on the treatment of the newly born child up to 5% of the sum insured, subject to such treatment not being carried out before the completion of 9 months from the commencement of the policy. ... Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during hospitalization) except ectopic pregnancy;","sources":[{"clause":"4","heading":"The medical expenses on treatment arising from or traceable to pregnancy, childbirth and","page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17488#c-4"},{"clause":"4","heading":"Maternity Expenses (Code – Excl 18)","page":10,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17488#c-4-2"}],"law":[]},{"key":"newborn","label":"Newborn baby cover","section":"Cover","meaning":"Whether a newborn is covered from birth and for what.","status":"quote-verified","value":"Expenses on treatment of the newly born child are covered up to 5% of the sum insured, subject to the treatment not being carried out before completion of 9 months from commencement of the policy.","display":"Newly born child treatment up to 5% of sum insured after 9 months","note":null,"quote":"expenses on the treatment of the newly born child up to 5% of the sum insured, subject to such treatment not being carried out before the completion of 9 months from the commencement of the policy.","sources":[{"clause":"4","heading":"The medical expenses on treatment arising from or traceable to pregnancy, childbirth and","page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17488#c-4"}],"law":[]},{"key":"mental_illness","label":"Mental illness","section":"Cover","meaning":"Cover for in-patient treatment of mental illness.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 3","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch III I","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(4)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 2(1)(s)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(1)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"}]},{"key":"health_checkup","label":"Health check-up","section":"Cover","meaning":"Free preventive check-ups and how often.","status":"quote-verified","value":"The insured person is entitled to reimbursement of medical check-up cost once at the end of a block of every three claim-free policies, up to 1% of the average basic sum insured during that block.","display":"Once at the end of every three claim free Policies; up to 1% of average Basic Sum Insured","note":null,"quote":"Insured Person shall be entitled for reimbursement of cost of\nmedical checkup once at the end of a block of every three claim free Policies. The reimbursement shall not exceed the amount equal to 1% of the average Basic Sum Insured during the block of three claim free Policies.","sources":[{"clause":"7","heading":"Cost of Health Checkup: Insured Person shall be entitled for reimbursement of cost of","page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17488#c-7"}],"law":[]},{"key":"opd","label":"Out-patient (OPD) cover","section":"Cover","meaning":"Doctor consultations, tests and medicines without admission, and the limit.","status":"not-stated","value":null,"display":null,"note":"OPD Treatment is defined, but the cover section does not state an OPD benefit.","quote":null,"sources":[],"law":[]},{"key":"zone_pricing","label":"Zone or city-based premium","section":"Premium","meaning":"Whether premium or co-pay depends on the city you are treated in.","status":"not-stated","value":null,"display":null,"note":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":"quote-verified","value":"Cashless facility is available for treatment in network hospitals, where payment is made directly to the network provider to the extent pre-authorisation is approved. The procedure section also says cashless facility can be availed from non-network hospitals with prior intimation.","display":"Cashless at network hospitals; non-network cashless with prior intimation","note":"For non-network cashless, prior intimation is required 48 hours before planned hospitalisation and within 24 hours of emergency hospitalisation.","quote":"Cashless Facility means a facility extended by the insurer to the insured where the payments, of the costs of treatment undergone by the insured in accordance with the Policy terms and conditions, are directly made to the Network Provider by the insurer to the extent pre-authorization is approved ... Cashless facility for the medical treatment carried out in Network Hospital/ Nursing home is available through our nominated Third-Party Administrator (TPA) ... You can now avail cashless facility from non-network hospitals.","sources":[{"clause":null,"heading":"Cashless Facility","page":2,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17488#c-cashless-facility"},{"clause":"10","heading":"In case of death in hospital, funeral expenses are reimbursed up to Rs. 1000/ over and","page":9,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17488#c-10"},{"clause":"Section D","heading":"CLAIMS PROCEDURE","page":12,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17488#c-section-d"}],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"quote-verified","value":"The claims procedure says cashless and reimbursement are through the insurer's In house Health Claims Management. The policy also states network-hospital cashless facility is available through the nominated Third-Party Administrator (TPA).","display":"In house Health Claims Management; network cashless also mentions nominated TPA","note":"The wording contains both references.","quote":"Follow below steps to avail Cashless facility through our In house Health Claims Management: ... Follow below steps to avail reimbursement facility through our In house Health Claims Management: ... Cashless facility for the medical treatment carried out in Network Hospital/ Nursing home is available through our nominated Third-Party Administrator (TPA)","sources":[{"clause":"Section D","heading":"CLAIMS PROCEDURE","page":12,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17488#c-section-d"},{"clause":"10","heading":"In case of death in hospital, funeral expenses are reimbursed up to Rs. 1000/ over and","page":9,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17488#c-10"}],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"quote-verified","value":true,"display":"Yes, family floater","note":"The CIS also states individual and floater sum insured are available under the policy.","quote":"this unique family floater gives you the flexibility of taking one policy that covers the entire family under a single sum insured.","sources":[{"clause":null,"heading":"IOB HEALTH CARE PLUS POLICY PROSPECTUS","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17489#c-iob-health-care-plus-policy-prospectus"}],"law":[]}],"documents":[{"kind":"wording","label":"IOB Health Care Plus Policy - Policy Wordings","pages":26,"fetched_at":"2026-10-17 20:05:04+00","source_url":"https://www.universalsompo.com/assets/file/bancassurance/iob-policywordings.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17488"},{"kind":"wording","label":"IOB Health Care Plus Policy (IRDAI copy)","pages":16,"fetched_at":"2026-10-20 02:24:06+00","source_url":"https://irdai.gov.in/documents/37343/931203/IOB+Health+Care+Plus+Policy_2013-2014.pdf/df331dcd-69f1-1a03-6c3c-e3906b423b6a?version=1.1&t=1668248121733&download=true","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/28229"},{"kind":"prospectus","label":"IOB Health Care Plus Policy - Prospectus / Brochure","pages":17,"fetched_at":"2026-10-17 20:05:05+00","source_url":"https://www.universalsompo.com/assets/file/bancassurance/iob-prospectus.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17489"},{"kind":"cis","label":"IOB Health Care Plus Policy - CIS","pages":11,"fetched_at":"2026-10-17 20:05:07+00","source_url":"https://www.universalsompo.com/assets/file/bancassurance/cis-iob-healthcare-plus.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17487"},{"kind":"cis","label":"IOB Health Care Plus Policy - CIS","pages":14,"fetched_at":"2026-10-17 20:13:31+00","source_url":"https://www.universalsompo.com/assets/file/cis/cis-iob-healthcare-plus.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425/document/17692"}],"versions":[{"uin":"IRDA/NL-HLT/USGI/P-H/V.I/245/13-14","version":null,"approved_on":null},{"uin":"UNIHLIP25015V042425","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":"IOB Health Care Plus Policy (UIN UNIHLIP25015V042425), IndiaInsurances, https://indiainsurances.com/policy/universal-sompo-general-insurance/iob-health-care-plus-policy-unihlip25015v042425"}