{"uin":"ZUKHLGP25042V032425","name":"Group Smart Cash","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425","insurer":{"slug":"zurich-kotak-general-insurance","name":"Zurich Kotak General Insurance Company (India) Limited","url":"https://indiainsurances.com/insurer/zurich-kotak-general-insurance"},"line":"health","category":"hospital-cash","category_name":"Hospital daily cash","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Group Smart Cash pays a fixed daily cash amount for hospitalisation, accident hospitalisation and ICU hospitalisation. It has optional covers including convalescence, companion, maternity, newborn baby, worldwide cover, personal accident, critical illness and waiting-period waivers.","analysis":{"state":"machine","analysed_at":"2026-10-19 23:03:18.271994+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"The documents describe base covers, optional covers and individual/floater bases, but do not name separate plan variants.","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":"The policy may be a 1 year policy or a multi-year policy; the exact policy period is specified in the Policy Schedule or Certificate of Insurance.","display":"1 year policy or multi-year policy","note":"The documents do not print a fixed term table; the exact start and end dates are in the schedule/certificate.","quote":"For 1 year Policy- Refund proportionate premium for unexpired policy period subject to no claim(s) were made during the policy period. ... For Multi Year Policy - o For any policy year where the risk date has not yet started, the premium will be refunded without any deduction. ... Policy Period | means the period commencing from Policy start date and time as specified in Policy Schedule/ Certificate of Insurance and terminating at midnight on the Policy End Date as specified in Policy Schedule/ Certificate of Insurance","sources":[{"clause":"6(a)","heading":null,"page":37,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18287#c-6-a"},{"clause":null,"heading":"Definitions","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18287#c-definitions"}],"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":"Hospitalisation claims must be notified within 48 hours of hospitalisation but not later than discharge. Accidental Death or Permanent Total Disablement/Critical Illness claims under the stated benefits must be notified within 10 days from the accident occurrence; the Critical Illness cover clause separately requires written notice within 30 days from first diagnosis.","display":"Hospitalisation: within 48 hours and not later than discharge; Accidental Death/PTD/Critical Illness: within 10 days; Critical Illness cover clause: within 30 days from first diagnosis","note":"The Critical Illness-specific notice period is printed separately from the general claims intimation clause.","quote":"In the event of a Hospitalization claim under the Policy, We must be notified either at Our call centre or in writing within 48 hours of the Hospitalization but not later than discharge from the Hospital. In case of an Accidental Death or Permanent Total Disablement/ Critical Illness claim under Benefit 2.14 and 2.15 of the Policy, We must be notified either at Our call centre or in writing within 10 days from the date of occurrence of the Accident. ... In the event of a Claim arising under this Cover, We shall be given written notice of the Claim within 30 days from the date of the first diagnosis of the Critical Illness","sources":[{"clause":"5.2","heading":"Claims Intimation","page":26,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18287#c-5-2"},{"clause":"2.14","heading":"Critical Illness Benefit","page":17,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18287#c-2-14"}],"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":["Applicable KYC documents along with latest photographs, Valid Photo ID, address proof, etc.","Duly completed and signed Claim form in original as prescribed by Us.","Hospital discharge card/ summary, copy of treatment papers, medical investigation reports and copy of hospital bill","document to confirm relationship with the Patient","Medical investigation report, Original hospital bill & receipts and Treatment papers,, FIR (if done) or MLC (if conducted) for Accident cases","X-Ray/ MRI/ CT-Scan/ Radiology Films/ Reports confirming the extent of fracture, Copy of treatment papers","Certificate from the treating doctor certifying the extent of burns injury, Copy of treatment papers","Original Death certificate issued by the office of Registrar of Birth & Deaths"],"display":"KYC/photo ID/address proof, signed claim form, discharge summary and treatment papers, investigation reports and hospital bill; additional documents depend on the benefit","note":"Benefit-wise additional documents are listed separately; the insurer may ask for additional necessary documents based on the claim.","quote":"Applicable KYC documents along with latest photographs, Valid Photo ID, address proof, etc. ... Duly completed and signed Claim form in original as prescribed by Us. ... Hospital Daily Cash Benefit | Hospital discharge card/ summary, copy of treatment papers, medical investigation reports and copy of hospital bill ... Companion Benefit | Hospital discharge card/ summary and document to confirm relationship with the Patient ... Accidental Hospitalisation Benefit | Medical investigation report, Original hospital bill & receipts and Treatment papers,, FIR (if done) or MLC (if conducted) for Accident cases ... Broken Bones | a. X-Ray/ MRI/ CT-Scan/ Radiology Films/ Reports confirming the extent of fracture, Copy of treatment papers ... Burns | Certificate from the treating doctor certifying the extent of burns injury, Copy of treatment papers ... Original Death certificate issued by the office of Registrar of Birth & Deaths;","sources":[{"clause":"5.3","heading":"Claims Documents","page":27,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18287#c-5-3"},{"clause":"Row 1","heading":"Hospital Daily Cash Benefit","page":27,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18287#c-row-1-2"},{"clause":"Row 5","heading":"Companion Benefit","page":28,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18287#c-row-5"},{"clause":"Row 10","heading":"Accidental Hospitalisation Benefit","page":28,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18287#c-row-10"},{"clause":"Row 11","heading":"Broken Bones","page":28,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18287#c-row-11"},{"clause":"Row 12","heading":"Burns","page":28,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18287#c-row-12"},{"clause":"Row 12(i)","heading":null,"page":28,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18287#c-row-12-i"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The company shall settle or reject a claim within 15 days from receipt of claim along with the claim form and necessary documents. If claim payment is delayed, interest is payable from receipt of the last necessary document to payment at 2% above the bank rate.","display":"Settle or reject within 15 days from receipt of claim with claim form and necessary documents; delay interest at 2% above bank rate","note":null,"quote":"The Company shall settle or reject a claim, as the case may be, within 15 days from the date of receipt of claim along with claim form (and necessary documents). ... In the case of delay in the payment of a claim, the Company shall be liable to pay interest to the policyholder from the date of receipt of last necessary document to the date of payment of claim at a rate 2% above the bank rate.","sources":[{"clause":"15(i)","heading":null,"page":40,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18287#c-15-i"},{"clause":"15(ii)","heading":null,"page":40,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18287#c-15-ii"}],"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":["Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months","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","Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 12 months","Maternity Benefit will not be applicable during the first 9 months from the Policy Period Start Date.","Investigation & Evaluation (Code- Excl04)","Rest Cure, rehabilitation and respite care (Code – Excl05)","Change-of- Gender treatments (Code – Excl07)","Cosmetic or plastic Surgery (Code – Excl08)","Hazardous or Adventure sports: (Code- Excl09)","Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof","Any treatment taken outside India;","Any OPD treatment will not be covered"],"display":"PED 36 months, 30-day illness waiting, specified diseases/procedures 12 months, maternity 9 months, and major permanent exclusions including investigation/evaluation, rest cure, gender change, cosmetic surgery, hazardous sports, substance abuse, outside India and OPD","note":"Optional waivers can remove or reduce some waiting periods if opted and shown in the schedule/certificate.","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 ... 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 ... Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 12 months ... Maternity Benefit will not be applicable during the first 9 months from the Policy Period Start Date. ... Investigation & Evaluation (Code- Excl04) ... Rest Cure, rehabilitation and respite care (Code – Excl05) ... Change-of- Gender treatments (Code – Excl07) ... Cosmetic or plastic Surgery (Code – Excl08) ... Hazardous or Adventure sports: (Code- Excl09) ... Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof ... Any treatment taken outside India; ... Any OPD treatment will not be covered","sources":[{"clause":"4.1","heading":"Pre-Existing Diseases (Code – Excl01)","page":21,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18287#c-4-1"},{"clause":"4.2","heading":"30 Days Waiting Period (Code – Excl03)","page":21,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18287#c-4-2"},{"clause":"4.3","heading":"Specified disease/ procedure waiting period (Code – Excl02)","page":21,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18287#c-4-3"},{"clause":"4.4","heading":"Maternity Benefit Waiting Period","page":22,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18287#c-4-4"},{"clause":"4.5","heading":"Permanent Exclusions","page":22,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18287#c-4-5"},{"clause":"4.5(b)(iv)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18287#c-4-5-b-iv"},{"clause":"4.5(b)(v)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18287#c-4-5-b-v"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact the company through its website, toll free number, email, courier address or any branch grievance cell. If not satisfied, contact the grievance officer at grievanceofficer@zurichkotak.com before approaching the Insurance Ombudsman.","display":"Company website/toll free/email/courier/branch grievance cell, then grievanceofficer@zurichkotak.com","note":null,"quote":"In case of any grievance the insured person may contact the company through Website: www.zurichkotak.com Toll free: 1800 2120 E-mail: care@kotak.com Courier: Zurich Kotak General Insurance Company (India) Limited, 401, 4th Floor, Silver Metropolis, Jai Coach Compound, Off Western Express Highway, Goregaon (East), Mumbai- 400063. Maharashtra, India. Insured person may also approach the grievance cell at any of the company's branches with the details of grievance If Insured person is not satisfied with the redressal of grievance through one of the above methods, insured person may contact the grievance officer at grievanceofficer@zurichkotak.com","sources":[{"clause":"14","heading":"Redressal of Grievance","page":39,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18287#c-14"}],"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":"not-stated","value":null,"display":null,"note":"The wording says the Daily Cash Amount or Sum Insured is as specified in the Policy Schedule/Certificate of Insurance. The benefit illustration gives only an example of INR 1000 per day for 30 days, not a full set of options.","quote":null,"sources":[],"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":"The 30 days Waiting Period Waiver is an optional cover; if opted, coverage starts from day one without this waiting period.","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. ... This benefit provides for waiver of Exclusion No. 4.2 of the Policy and the coverage under the Policy will commence from day one of the Policy period without any waiting period.","sources":[{"clause":"4.2","heading":"30 Days Waiting Period (Code – Excl03)","page":21,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18287#c-4-2"},{"clause":"2.16","heading":"30 days Waiting Period Waiver","page":18,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18287#c-2-16"}],"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":"The optional Pre-existing Disease Waiting Period Waiver can cover PED from inception or as per a specifically opted waiting period stated in the schedule/certificate.","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 insurer. ... Any claim arising out of, relating to or howsoever attributable to pre-existing diseases or any complication arising from the same will be covered from inception of the Policy or as per specifically opted waiting period as stated in the Policy Schedule/ Certificate of Insurance","sources":[{"clause":"4.1","heading":"Pre-Existing Diseases (Code – Excl01)","page":21,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18287#c-4-1"},{"clause":"2.15","heading":"Pre-existing Disease Waiting Period Waiver","page":18,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18287#c-2-15"}],"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":"The optional Specified disease/procedure Waiting Period Waiver can make the listed diseases/procedures covered from day one.","quote":"Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 12 months of continuous coverage after the date of inception of the first policy with us. ... This benefit provides for waiver of Exclusion No. 4.3 of the Policy and treatment in respect of diseases, illness, and injury as mentioned in Exclusion No. 4.3 of this Policy shall stand covered from day one of the Policy period without any waiting period.","sources":[{"clause":"4.3","heading":"Specified disease/ procedure waiting period (Code – Excl02)","page":21,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18287#c-4-3"},{"clause":"2.17","heading":"Specified disease/ procedure Waiting Period Waiver","page":18,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18287#c-2-17"}],"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 unless because of malignancy","All types of Hernia, Hydrocele","Fissures and/or Fistula in anus, haemorrhoids/piles","Arthritis, gout, rheumatism and spinal disorders","Joint replacements unless due to Accident","Sinusitis and related disorders","Stones in the urinary and biliary systems","Dilatation and curettage, Endometriosis","All types of skin and internal tumors/ cysts/ nodules/ polyps of any kind including breast lumps unless malignant","Dialysis required for chronic renal failure","Tonsillitis, adenoids and sinuses","Gastric and duodenal erosions and ulcers","Deviated nasal septum","Varicose Veins/ Varicose Ulcers"],"display":"Cataract; BPH; myomectomy/hysterectomy; hernia/hydrocele; fissures/fistula/piles; arthritis/gout/rheumatism/spinal disorders; joint replacements; sinusitis; urinary/biliary stones; D&C/endometriosis; tumors/cysts/nodules/polyps; dialysis for chronic renal failure; tonsillitis/adenoids/sinuses; gastric/duodenal erosions and ulcers; deviated nasal septum; varicose veins/ulcers","note":null,"quote":"a) Cataract;\nb) Benign Prostatic Hypertrophy;\nc) Myomectomy, Hysterectomy unless because of malignancy;\nd) All types of Hernia, Hydrocele;\ne) Fissures and/or Fistula in anus, haemorrhoids/piles;\nf) Arthritis, gout, rheumatism and spinal disorders;\ng) Joint replacements unless due to Accident;\nh) Sinusitis and related disorders;\ni) Stones in the urinary and biliary systems;\nj) Dilatation and curettage, Endometriosis;\nk) All types of skin and internal tumors/ cysts/ nodules/ polyps of any kind including breast lumps unless malignant;\nl) Dialysis required for chronic renal failure;\nm) Tonsillitis, adenoids and sinuses;\nn) Gastric and duodenal erosions and ulcers;\no) Deviated nasal septum;\np) Varicose Veins/ Varicose Ulcers.","sources":[{"clause":"4.3","heading":"Specified disease/ procedure waiting period (Code – Excl02)","page":21,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18287#c-4-3"}],"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 sum insured, sixty continuous months applies from the date of enhancement on the enhanced limits.","quote":"After completion of sixty continuous months of coverage (including portability and migration) in health insurance policy, no policy and claim shall be contestable by the insurer on grounds of non-disclosure, misrepresentation, except on grounds of established fraud. This period of sixty continuous months is called as moratorium period.","sources":[{"clause":"12","heading":"Moratorium Period","page":39,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18287#c-12"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"quote-verified","value":"Portability is available to transfer credits gained for pre-existing diseases and specific waiting periods from one insurer to another insurer.","display":"Yes, transfer credits for pre-existing diseases and specific waiting periods to another insurer","note":null,"quote":"Portability | means a facility provided to the health insurance policyholders (including all members under family cover), to transfer the credits gained for, pre-existing diseases and specific waiting periods from one insurer to another insurer","sources":[{"clause":null,"heading":"Definitions","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18287#c-definitions"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"not-stated","value":null,"display":null,"note":"The wording says the policy is ordinarily renewable and that maximum entry age is no limit, but it does not state lifelong renewal.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"quote-verified","value":"No loading applies on renewals based on individual claims experience.","display":"No loading on renewals based on individual claims experience","note":null,"quote":"No loading shall apply on renewals based on individual claims experience.","sources":[{"clause":"9","heading":"Renewal of Policy","page":38,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18287#c-9"}],"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)","Code- Excl12 Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof","Code- Excl13 Treatments received in health hydros, nature cure clinics, spas or similar establishments or private beds registered as a nursing home attached to such establishments or where admission is arranged wholly or partly for domestic reasons.","Code- Excl14 Dietary supplements and substances that can be purchased without prescription, including but not limited to Vitamins, minerals and organic substances unless prescribed by a medical practitioner as part of hospitalization claim or day care procedure.","Refractive Error (Code- Excl15)","Unproven Treatments (Code – Excl16)","Sterility and Infertility (Code- Excl17)","Maternity (Code- Excl18)","Any treatment taken outside India;","Any OPD treatment will not be covered","Domiciliary Hospitalisation"],"display":"Excl04 to Excl18 plus product exclusions including outside India, OPD treatment and domiciliary hospitalisation","note":"Maternity and outside-India exclusions are deleted only to the extent the corresponding optional Maternity Benefit or Worldwide Cover is in force.","quote":"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) ... Code- Excl12 Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof ... Code- Excl13 Treatments received in health hydros, nature cure clinics, spas or similar establishments or private beds registered as a nursing home attached to such establishments or where admission is arranged wholly or partly for domestic reasons. ... Code- Excl14 Dietary supplements and substances that can be purchased without prescription, including but not limited to Vitamins, minerals and organic substances unless prescribed by a medical practitioner as part of hospitalization claim or day care procedure. ... Refractive Error (Code- Excl15) ... Unproven Treatments (Code – Excl16) ... Sterility and Infertility (Code- Excl17) ... Maternity (Code- Excl18) ... Any treatment taken outside India; ... Any OPD treatment will not be covered ... Domiciliary Hospitalisation","sources":[{"clause":"4.5","heading":"Permanent Exclusions","page":22,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18287#c-4-5"},{"clause":"4.5(a)(ii)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18287#c-4-5-a-ii"},{"clause":"4.5(b)(iv)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18287#c-4-5-b-iv"},{"clause":"4.5(b)(v)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18287#c-4-5-b-v"}],"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 during the term by giving 7 days' written notice. For a 1 year policy, proportionate premium for the unexpired period is refunded if no claim was made; for a multi-year policy, future policy years are refunded in full and a started policy year is refunded pro-rata if no claim was made, with medical examination expenses deducted where applicable.","display":"7 days' notice; pro-rata/proportionate refund for unexpired period if no claim, with stated deductions","note":null,"quote":"The Policyholder may cancel his/her policy at any time during the term, by giving 7 days notice in writing. The Insurer shall -\n• For 1 year Policy- Refund proportionate premium for unexpired policy period subject to no claim(s) were made during the policy period.\n• For Multi Year Policy - o For any policy year where the risk date has not yet started, the premium will be refunded without any deduction. o For any policy year where the risk has started, the premium will be refunded on a pro-rata basis for that policy year, provided no claim has been made during the policy year and in full for future policy years. Additional Deductions: Notwithstanding the above, if (i) the risk under the Policy has already commenced, or (ii) only a part of the insurance coverage has commenced, and the option of Policy cancellation is exercised by the Policyholder, then expenses incurred by the Company on medical examination of the Policyholder will also be deducted before refunding of premium.","sources":[{"clause":"6(a)","heading":null,"page":37,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18287#c-6-a"}],"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":"Claims are India-only by default because no claim is payable unless the cause of action arises in India and treatment outside India is excluded. If the Worldwide Cover optional benefit is in force, daily cash is payable for hospitalisation outside India.","display":"India by default; optional Worldwide Cover for hospitalisation outside India","note":"Worldwide Cover is an optional cover and applies only if specified in the schedule/certificate and premium is paid.","quote":"No Claims shall be payable under this Policy unless the cause of action arises in India, unless otherwise specifically provided in Policy. ... Any treatment taken outside India; ... We will pay the Daily Cash Amount, subject to Deductible/ Franchise, as specified in the Policy Schedule/ Certificate of Insurance under this Benefit for each and every completed day of the Insured Person's Hospitalisation during this Policy Period outside India","sources":[{"clause":"20","heading":"Cause of Action/ Currency for payments","page":41,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18287#c-20"},{"clause":"4.5(b)(v)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18287#c-4-5-b-v"},{"clause":"2.12","heading":"Worldwide Cover","page":14,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18287#c-2-12"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"thirty days","note":"Applies to new individual health insurance policies, not renewals or porting/migration.","quote":"The Free Look Period shall be applicable on new individual health insurance policies and not on renewals or at the time of porting/migrating the policy. The insured person shall be allowed free look period of thirty 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":"8","heading":"Free Look Period","page":37,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18287#c-8"}],"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":"atleast 30 days","note":"For instalment premiums, the grace period is 15 days for monthly instalments and 30 days for quarterly, half yearly or annual instalments.","quote":"At the end of the policy period, the policy shall terminate and can be renewed within the Grace Period of atleast 30 days to maintain continuity of benefits without break in policy. ... Grace Period of 15 days (where premium is paid on monthly instalments) and 30 days (where premium paid in quarterly / half yearly/ annual instalments) would be given to pay the instalment premium due for the policy.","sources":[{"clause":"9","heading":"Renewal of Policy","page":38,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18287#c-9"},{"clause":"11","heading":"Premium Payment in Instalments","page":38,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18287#c-11"}],"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":"Minimum entry age is 1 day and maximum entry age is no limit.","display":"Minimum Entry Age: 1 day; Maximum Entry Age: No Limit","note":null,"quote":"Minimum Entry Age | 1 day\nMaximum Entry Age | No Limit","sources":[{"clause":"16","heading":"Eligibility","page":40,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18287#c-16"}],"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":["Monthly","Quarterly","Half Yearly","annual"],"display":"Monthly, Quarterly, Half Yearly, annual","note":null,"quote":"Payment of Premium on an instalment basis i.e. Half Yearly, Quarterly or Monthly ... Grace Period of 15 days (where premium is paid on monthly instalments) and 30 days (where premium paid in quarterly / half yearly/ annual instalments)","sources":[{"clause":"11","heading":"Premium Payment in Instalments","page":38,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18287#c-11"}],"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":["Convalescence Benefit","Companion Benefit","Joint Hospitalisation","Parent Accommodation","Day Care Procedure Benefit","Surgery Benefit","Accidental Hospitalisation Benefit","Broken Bones","Burns","Maternity Benefit","New Born Baby Benefit","Worldwide Cover","Personal Accident Benefit","Critical Illness Benefit","Pre-existing Disease Waiting Period Waiver","30 days Waiting Period Waiver","Specified disease/ procedure Waiting Period Waiver","Maternity Benefit Waiting Period Waiver"],"display":"Convalescence, companion, joint hospitalisation, parent accommodation, day care procedure, surgery, accidental hospitalisation, broken bones, burns, maternity, newborn baby, worldwide cover, personal accident, critical illness and waiting-period waivers","note":"These covers apply only if the applicable premium is paid and the schedule/certificate specifies that the cover is in force.","quote":"The Optional covers available are described below. ... 2.1 Convalescence Benefit ... 2.2 Companion Benefit ... 2.3 Joint Hospitalisation ... 2.4 Parent Accommodation ... 2.5 Day Care Procedure Benefit ... 2.6 Surgery Benefit ... 2.7 Accidental Hospitalisation Benefit ... 2.8 Broken Bones ... 2.9 Burns ... 2.10 Maternity Benefit ... 2.11 New Born Baby Benefit ... 2.12 Worldwide Cover ... 2.13 Personal Accident Benefit ... 2.14 Critical Illness Benefit ... 2.15 Pre-existing Disease Waiting Period Waiver ... 2.16 30 days Waiting Period Waiver ... 2.17 Specified disease/ procedure Waiting Period Waiver ... 2.18 Maternity Benefit Waiting Period Waiver","sources":[{"clause":"2","heading":"OPTIONAL COVERS","page":9,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18287#c-2"},{"clause":"2.1","heading":"Convalescence Benefit","page":9,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18287#c-2-1"},{"clause":"2.2","heading":"Companion Benefit","page":9,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18287#c-2-2"},{"clause":"2.3","heading":"Joint Hospitalisation","page":10,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18287#c-2-3"},{"clause":"2.4","heading":"Parent Accommodation","page":10,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18287#c-2-4"},{"clause":null,"heading":"2.5 Day Care Procedure Benefit","page":10,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18287#c-2-5-day-care-procedure-benefit"},{"clause":"2.6","heading":"Surgery Benefit","page":11,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18287#c-2-6"},{"clause":"2.7","heading":"Accidental Hospitalisation Benefit","page":11,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18287#c-2-7"},{"clause":"2.8","heading":"Broken Bones","page":11,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18287#c-2-8"},{"clause":"2.9","heading":"Burns","page":13,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18287#c-2-9"},{"clause":"2.10","heading":"Maternity Benefit","page":14,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18287#c-2-10"},{"clause":"2.11","heading":"New Born Baby Benefit","page":14,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18287#c-2-11"},{"clause":"2.12","heading":"Worldwide Cover","page":14,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18287#c-2-12"},{"clause":"2.13","heading":"Personal Accident Benefit","page":15,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18287#c-2-13"},{"clause":"2.14","heading":"Critical Illness Benefit","page":17,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18287#c-2-14"},{"clause":"2.15","heading":"Pre-existing Disease Waiting Period Waiver","page":18,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18287#c-2-15"},{"clause":"2.16","heading":"30 days Waiting Period Waiver","page":18,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18287#c-2-16"},{"clause":"2.17","heading":"Specified disease/ procedure Waiting Period Waiver","page":18,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18287#c-2-17"},{"clause":"2.18","heading":"Maternity Benefit Waiting Period Waiver","page":18,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18287#c-2-18"}],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"quote-verified","value":"Coverage is not available during the renewal grace period. If premium is paid in instalments during the policy period, coverage will be available for the grace period.","display":"Renewal grace: no coverage; instalment grace: coverage available","note":null,"quote":"Coverage is not available during the grace period. ... If the premium is paid in instalments during the policy period, coverage will be available for the grace period also","sources":[{"clause":"9","heading":"Renewal of Policy","page":38,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18287#c-9"},{"clause":"11","heading":"Premium Payment in Instalments","page":38,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18287#c-11"}],"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":"Group Smart Cash","pages":59,"fetched_at":"2026-10-17 20:13:14+00","source_url":"https://cms.zurichkotak.com/uploads/Group_Smart_Cash_Policy_Wordings_Website_3239ccae78_2_ef46a68941.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18287"},{"kind":"prospectus","label":"Group Smart Cash","pages":38,"fetched_at":"2026-10-17 20:08:40+00","source_url":"https://cms.zurichkotak.com/uploads/Group_Smart_Cash_Prospectus_d258a33bc7.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18196"},{"kind":"cis","label":"Group Smart Cash","pages":8,"fetched_at":"2026-10-17 20:10:26+00","source_url":"https://cms.zurichkotak.com/uploads/Group_Smart_Cash_CIS_5d44fd17f6.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18232"},{"kind":"benefit-illustration","label":"Group Smart Cash - Benefit Illustration","pages":1,"fetched_at":"2026-10-17 20:07:20+00","source_url":"https://cms.zurichkotak.com/uploads/Group_Smart_Cash_Benefit_Illustration_6d160d2ff7.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425/document/18171"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Zurich Kotak General Insurance ( ) official website","url":"https://www.zurichkotak.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.zurichkotak.com/services/claims","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 process","url":"https://www.zurichkotak.com/customer-support/grievance-redressal-process","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":"Renewals","url":"https://www.zurichkotak.com/renewal","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":"Group Smart Cash (UIN ZUKHLGP25042V032425), IndiaInsurances, https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-cash-zukhlgp25042v032425"}