{"uin":"ZUKHLGP25049V052425","name":"Group Secure Shield","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-secure-shield-zukhlgp25049v052425","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":"group-health","category_name":"Group health","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Group Secure Shield is a group health benefit policy that pays fixed sums for specified critical illnesses and can include personal accident and loss of job benefits. Critical illness claims have a 90-day initial waiting period and the company says it shall settle or reject a claim within 15 days from receipt of claim with claim form and necessary documents.","analysis":{"state":"machine","analysed_at":"2026-10-19 23:03:31.702515+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 benefits and optional sections, but do not name 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":"For a credit linked policy, the policy period can be extended up to the underlying credit period, not exceeding five years.","display":"Credit linked policy: up to the underlying credit period, not exceeding five years","note":"The exact Policy Period is otherwise specified in the Policy Schedule/Certificate of Insurance.","quote":"Credit Linked Policy | means a policy in which the policy period can be extended upto the underlying credit period not exceeding five years","sources":[{"clause":"1","heading":"DEFINITIONS","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-secure-shield-zukhlgp25049v052425/document/18279#c-1"}],"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":"Critical illness claims must be notified in writing within 10 days of first diagnosis. Personal accident injury claims must be notified within 10 days of injury, and loss of job claims within 30 days of termination or temporary suspension.","display":"10 days for critical illness; 10 days for personal accident injury; 30 days for loss of job","note":"A general claim clause also says intimation must be given within 10 days of the occurrence or discovery of an event that may give rise to a claim.","quote":"We shall be given written notice within 10 days of the Insured Person being first diagnosed with a Critical Illness ... We shall be given written notice within 10 days of ANY Injury sustained by the Insured Person which will give rise or is likely to give rise to a Claim under the Policy. ... We shall be given written notice along with the following information and documentation within 30 days of the date of the Insured Person’s termination or temporary suspension from employment due to illness/ accident","sources":[{"clause":null,"heading":"5. CLAIMS PROCEDURE FOR CRITICAL ILLNESS CLAIMS","page":19,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-secure-shield-zukhlgp25049v052425/document/18279#c-5-claims-procedure-for-critical-illness-claims"},{"clause":null,"heading":"6. CLAIMS PROCEDURE FOR PERSONAL ACCIDENT CLAIMS","page":29,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-secure-shield-zukhlgp25049v052425/document/18279#c-6-claims-procedure-for-personal-accident-claims"},{"clause":null,"heading":"7. CLAIMS PROCEDURE FOR LOSS OF JOB (DUE TO ILLNESS/ ACCIDENT)","page":31,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-secure-shield-zukhlgp25049v052425/document/18279#c-7-claims-procedure-for-loss-of-job-due-to-illnes"}],"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":["Certificate from the attending Medical Practitioner","Original Policy document","Duly completed claim form","Hospital Discharge Card photocopy","Original investigation test reports, indoor case papers","Photocopy Hospital Bills","Pharmacy/Investigations Bills","Photo ID Proof of Insured/ nominee","Address Proof of Insured / nominee","KYC documents and 2 recent coloured passport size photographs of Insured/ nominee","Signed NEFT mandate along cancelled cheque copy of Insured/ nominee","First Information Report (FIR) copy if done or Medico Legal Certificate","Death Certificate issued by the Municipal authority","Disability Certificate from civil surgeon or from designated govt./competent authority","Certificate from the employer","Appointment letter","Last 3 Months Salary Slip","Form 16 for the last year"],"display":"Claim form, policy document, medical certificates/reports, ID/KYC and bank mandate; accident, death, disability and loss-of-job documents as applicable","note":"Additional documents may be required depending on the covered event and circumstances of the claim.","quote":"i) Certificate from the attending Medical Practitioner of the Insured Person confirming, inter alia,\n- Name of the Insured Person;\n- Name, date of occurrence and medical details confirming the event giving rise to the Claim.\n- Written confirmation from the treating Medical Practitioner that the event giving rise to the Claim does not relate to any Pre-Existing Disease or any Illness or Injury which was diagnosed within the first 90 days of commencement of first Policy Period with Us.\nii) Original Policy document;\niii) Duly completed claim form;\niv) Hospital Discharge Card photocopy\nv) Original Discharge Certificate/Death Summary/Card from the hospital/ Medical Practitioner;\nvi) Original investigation test reports, indoor case papers;\nvii) Photocopy Hospital Bills.\nviii) Pharmacy/Investigations Bills\nix) Photo ID Proof of Insured/ nominee;\nx) Address Proof of Insured / nominee;\nxi) KYC documents and 2 recent coloured passport size photographs of Insured/ nominee;\nxii) Signed NEFT mandate along cancelled cheque copy of Insured/ nominee;\nxiii) In the cases where Critical Illness arises due to an Accident, First Information Report (FIR) copy if done or Medico Legal Certificate will also be required wherever conducted. ... g) Death Certificate issued by the Municipal authority ... d) Disability Certificate from civil surgeon or from designated govt./competent authority ... i) Certificate from the employer of the Insured Person confirming the termination or temporary suspension from employment furnishing the date of termination or temporary suspension from employment with the reasons for the same. ... j) Appointment letter.\nk) Last 3 Months Salary Slip.\nl) Form 16 for the last year.","sources":[{"clause":null,"heading":"5. CLAIMS PROCEDURE FOR CRITICAL ILLNESS CLAIMS","page":19,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-secure-shield-zukhlgp25049v052425/document/18279#c-5-claims-procedure-for-critical-illness-claims"},{"clause":null,"heading":"6. CLAIMS PROCEDURE FOR PERSONAL ACCIDENT CLAIMS","page":29,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-secure-shield-zukhlgp25049v052425/document/18279#c-6-claims-procedure-for-personal-accident-claims"},{"clause":null,"heading":"7. CLAIMS PROCEDURE FOR LOSS OF JOB (DUE TO ILLNESS/ ACCIDENT)","page":31,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-secure-shield-zukhlgp25049v052425/document/18279#c-7-claims-procedure-for-loss-of-job-due-to-illnes"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The company shall settle or reject a claim within 15 days from receipt of the claim along with claim form and necessary documents. For suspected frauds, the last necessary documents include receipt of the investigation report.","display":"Within 15 days from receipt of claim with claim form and necessary documents","note":"Delayed payment carries interest at 2% above the bank rate prevalent at the beginning of the financial year in which the claim is reviewed.","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 case of suspected frauds, the last “necessary” documents will include the receipt of the investigation report from Our representatives. ... In case of delay in payment, We shall be liable to pay interest at a rate which is 2% above the bank rate prevalent at the beginning of the financial year in which the claim is reviewed by Us.","sources":[{"clause":null,"heading":"8. CLAIM INVESTIGATION, SETTLEMENT & REPUDIATION","page":32,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-secure-shield-zukhlgp25049v052425/document/18279#c-8-claim-investigation-settlement-repudiation"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Any Pre-Existing Disease will not be covered until a period of continuous coverage as mentioned in the Policy Schedule/ Certificate of Insurance has elapsed","Any insured event, as stated in this Section, occurred or suffered before the commencement of Period of Insurance or arising within first 90 days","Any external Congenital Anomaly","Any medical procedure or treatment, which is not Medically Necessary Treatment or not performed by a Medical Practitioner","Birth control procedures and hormone replacement therapy","Any treatment/surgery for change of sex or any cosmetic surgery","Treatment by a family member and self-medication or any treatment that is not scientifically recognized","the Insured Person is operating or learning to operate any aircraft","Insured Person is participating in winter sports, skydiving/parachuting, hang gliding, bungee jumping, scuba diving","any Illness to the Insured Person","Arising or resulting from the Insured Person committing any breach of the law with criminal intent","war, invasion, act of foreign enemy, hostilities","ionising radiation or contamination by radioactivity","usage, consumption or abuse of substances intoxicants, hallucinogens, alcohol and/or drugs","self-destruction or self inflicted injury, attempted suicide or suicide"],"display":"PED and first 90 days for Section I; external congenital anomaly; non-medically necessary treatment; birth control/HRT; change of sex/cosmetic treatment; family/self-medication or unscientific treatment; aviation and hazardous sports; illness under PA; criminal breach of law; war; radiation/nuclear; intoxicants/drugs; self-harm/suicide","note":"The list is a summary of main exclusions across Critical Illness, Personal Accident and general exclusions.","quote":"a) Any Pre-Existing Disease– Any Pre-Existing Disease will not be covered until a period of continuous coverage as mentioned in the Policy Schedule/ Certificate of Insurance has elapsed for the Insured Person, since the inception of this Policy with Us. ... b) Any insured event, as stated in this Section, occurred or suffered before the commencement of Period of Insurance or arising within first 90 days of the commencement of the Period of Insurance.\nc) Any external Congenital Anomaly;\nd) Any medical procedure or treatment, which is not Medically Necessary Treatment or not performed by a Medical Practitioner.\ne) Birth control procedures and hormone replacement therapy.\nf) Any treatment/surgery for change of sex or any cosmetic surgery or treatment/surgery /complications/illness arising as a consequence thereof.\ng) Treatment by a family member and self-medication or any treatment that is not scientifically recognized. ... a) the Insured Person is operating or learning to operate any aircraft ... b) Insured Person is participating in winter sports, skydiving/parachuting, hang gliding, bungee jumping, scuba diving ... c) any Illness to the Insured Person; ... a) Arising or resulting from the Insured Person committing any breach of the law with criminal intent.\nb) war, invasion, act of foreign enemy, hostilities ... c) ionising radiation or contamination by radioactivity ... e) usage, consumption or abuse of substances intoxicants, hallucinogens, alcohol and/or drugs.\nf) self-destruction or self inflicted injury, attempted suicide or suicide.","sources":[{"clause":null,"heading":"2.2 PERMAMENT EXCLUSIONS APPLICABLE TO SECTION I","page":15,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-secure-shield-zukhlgp25049v052425/document/18279#c-2-2-permament-exclusions-applicable-to-section-i"},{"clause":null,"heading":"2.4 EXCLUSIONS APPLICABLE TO SECTION II","page":16,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-secure-shield-zukhlgp25049v052425/document/18279#c-2-4-exclusions-applicable-to-section-ii"},{"clause":null,"heading":"2.7 EXCLUSIONS APPLICABLE TO SECTION III","page":17,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-secure-shield-zukhlgp25049v052425/document/18279#c-2-7-exclusions-applicable-to-section-iii"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact the respective branch office, call 1800 2120 or email care@zurichkotak.com. If not satisfied, contact the Grievance Officer at grievanceofficer@zurichkotak.com before approaching the Insurance Ombudsman.","display":"Branch office / 1800 2120 / care@zurichkotak.com; then Grievance Officer at grievanceofficer@zurichkotak.com","note":"Senior citizens are also given seniorcitizen@zurichkotak.com.","quote":"For resolution of any query or grievance, insured may contact the respective branch office of the Company or may call at 1800 2120 or may write an e- mail at care@zurichkotak.com. For senior citizens, please contact the respective branch office of the Company or call at 1800 2120 or may write an e- mail at seniorcitizen@zurichkotak.com. In case the insured is not satisfied with the response of the office, insured may contact the Grievance Officer of the Company at grievanceofficer@zurichkotak.com. In the event of unsatisfactory response from the Grievance Officer, he/she may, subject to vested jurisdiction, approach the Insurance Ombudsman for the redressal of grievance.","sources":[{"clause":"22","heading":"Grievances","page":39,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-secure-shield-zukhlgp25049v052425/document/18279#c-22-2"}],"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 policy and CIS refer to the Sum Insured as specified in the Policy Schedule/Certificate of Insurance and CIS placeholders such as INR XXXX; selectable options are not stated.","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":90},"display":"90 days","note":"This applies to Section I Critical Illness. Section III loss of job also excludes termination or temporary suspension within 90 days of commencement.","quote":"provided that the signs or symptoms of below mentioned Critical Illness first commenced at least 90 days after the commencement of the first Policy Period of this Policy with Us ... Any insured event, as stated in this Section, occurred or suffered before the commencement of Period of Insurance or arising within first 90 days of the commencement of the Period of Insurance.","sources":[{"clause":"2.1","heading":"SECTION I: CRITICAL ILLNESS BENEFIT","page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-secure-shield-zukhlgp25049v052425/document/18279#c-2-1"},{"clause":null,"heading":"2.2 PERMAMENT EXCLUSIONS APPLICABLE TO SECTION I","page":15,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-secure-shield-zukhlgp25049v052425/document/18279#c-2-2-permament-exclusions-applicable-to-section-i"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"not-stated","value":null,"display":null,"note":"The policy says PED is covered after the period mentioned in the Policy Schedule/Certificate of Insurance; the CIS shows 'Covered after XX months'.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"not-stated","value":null,"display":null,"note":"No separate specific illness/procedure waiting period is stated apart from the 90-day initial waiting period for Critical Illness and the PED schedule pointer.","quote":null,"sources":[],"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":"not-stated","value":null,"display":null,"note":"The documents do not state a separate list of illnesses/procedures carrying a specific waiting period.","quote":null,"sources":[],"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 only on the enhanced limits.","quote":"After completion of sixty continuous months of coverage (including portability and migration) in health insurance policy, no policy and claim shall be contestable by the insurer on grounds of non-disclosure, misrepresentation, except on grounds of established fraud. This period of sixty continuous months is called as moratorium period.","sources":[{"clause":"24","heading":"Moratorium Period","page":40,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-secure-shield-zukhlgp25049v052425/document/18279#c-24-2"}],"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":"At renewal, the CIS says the customer may port the policy to another insurer. The policy definition says portability transfers credits gained for pre-existing diseases and specific waiting periods from one insurer to another.","display":"May port to another insurer at renewal with credit for PED and specific waiting periods","note":"The policy wording also states the migration process within the same insurer.","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 ... Migration and Portability: When your policy is due for renewal, you may migrate to another policy with us or port your policy to another insurer.","sources":[{"clause":"1","heading":"DEFINITIONS","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-secure-shield-zukhlgp25049v052425/document/18279#c-1"},{"clause":"Row 4(d)(iii)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-secure-shield-zukhlgp25049v052425/document/18244#c-row-4-d-iii"}],"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 renewal clause says the policy is ordinarily renewable, but does not state lifelong renewal or no maximum renewal age.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"quote-verified","value":"There is no loading on renewals based on individual claims experience, and renewal premium will not alter based on individual claims experience.","display":"No loading on renewals on individual claims experience basis","note":null,"quote":"There shall be no Loading on Renewals on Individual Claims Experience Basis. ... Renewal premium will not alter based on individual claims experience.","sources":[{"clause":"10","heading":"Underwriting","page":35,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-secure-shield-zukhlgp25049v052425/document/18279#c-10-2"},{"clause":"13(a)","heading":null,"page":36,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-secure-shield-zukhlgp25049v052425/document/18279#c-13-a"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"quote-verified","value":["Any external Congenital Anomaly","Any medical procedure or treatment, which is not Medically Necessary Treatment or not performed by a Medical Practitioner","Birth control procedures and hormone replacement therapy","Any treatment/surgery for change of sex or any cosmetic surgery","Treatment by a family member and self-medication or any treatment that is not scientifically recognized","the Insured Person is operating or learning to operate any aircraft","Insured Person is participating in winter sports, skydiving/parachuting, hang gliding, bungee jumping, scuba diving","any Illness to the Insured Person","directly or indirectly caused by venereal disease","Arising or resulting from the Insured Person committing any breach of the law with criminal intent","war, invasion, act of foreign enemy, hostilities","ionising radiation or contamination by radioactivity","nuclear weapon materials","usage, consumption or abuse of substances intoxicants, hallucinogens, alcohol and/or drugs","self-destruction or self inflicted injury, attempted suicide or suicide"],"display":"External congenital anomaly; non-medically necessary treatment; birth control/HRT; change of sex/cosmetic treatment; family/self-medication or unscientific treatment; aviation and hazardous sports; illness and venereal disease under PA; criminal breach of law; war; radiation/nuclear; intoxicants/drugs; self-harm/suicide","note":"PED and first 90 days are treated as waiting-period exclusions and are not listed here as permanent exclusions.","quote":"c) Any external Congenital Anomaly;\nd) Any medical procedure or treatment, which is not Medically Necessary Treatment or not performed by a Medical Practitioner.\ne) Birth control procedures and hormone replacement therapy.\nf) Any treatment/surgery for change of sex or any cosmetic surgery or treatment/surgery /complications/illness arising as a consequence thereof.\ng) Treatment by a family member and self-medication or any treatment that is not scientifically recognized. ... a) the Insured Person is operating or learning to operate any aircraft ... b) Insured Person is participating in winter sports, skydiving/parachuting, hang gliding, bungee jumping, scuba diving ... c) any Illness to the Insured Person;\nd) directly or indirectly caused by venereal disease; ... a) Arising or resulting from the Insured Person committing any breach of the law with criminal intent.\nb) war, invasion, act of foreign enemy, hostilities ... c) ionising radiation or contamination by radioactivity ... d) nuclear weapon materials.\ne) usage, consumption or abuse of substances intoxicants, hallucinogens, alcohol and/or drugs.\nf) self-destruction or self inflicted injury, attempted suicide or suicide.","sources":[{"clause":null,"heading":"2.2 PERMAMENT EXCLUSIONS APPLICABLE TO SECTION I","page":15,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-secure-shield-zukhlgp25049v052425/document/18279#c-2-2-permament-exclusions-applicable-to-section-i"},{"clause":null,"heading":"2.4 EXCLUSIONS APPLICABLE TO SECTION II","page":16,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-secure-shield-zukhlgp25049v052425/document/18279#c-2-4-exclusions-applicable-to-section-ii"},{"clause":null,"heading":"2.7 EXCLUSIONS APPLICABLE TO SECTION III","page":17,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-secure-shield-zukhlgp25049v052425/document/18279#c-2-7-exclusions-applicable-to-section-iii"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The policyholder may cancel 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 multi-year policies, future policy years are refunded in full and the current policy year pro-rata if no claim was made, with medical examination expenses deducted where applicable.","display":"7 days' written notice; proportionate/pro-rata refund if no claim, with stated deductions","note":null,"quote":"a) 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":"12(a)","heading":null,"page":35,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-secure-shield-zukhlgp25049v052425/document/18279#c-12-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":"No claim is payable unless the cause of action arises in India, unless the policy specifically provides otherwise. All claims are payable in India and in Indian Rupees only.","display":"India, unless otherwise specifically provided in Policy","note":null,"quote":"No Claims shall be payable under this Policy unless the cause of action arises in India, unless otherwise specifically provided in Policy. All Claims shall be payable in India and shall be in Indian Rupees only.","sources":[{"clause":"8","heading":"Cause of Action/ Currency for payments","page":34,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-secure-shield-zukhlgp25049v052425/document/18279#c-8-2"}],"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":"conflicting","value":{"unit":"days","amount":30},"display":"30 days from the date of receipt of the policy","note":"The policy wording says 30 days from receipt of the policy; the CIS says: 'within 30 days from the beginning of the policy.'","quote":"The insured will be allowed a period of at least 30 days from the date of receipt of the policy to review the terms and conditions of the policy and to return the same if not acceptable ... Free Look cancellation: You may cancel the insurance policy if you do not want it, within 30 days from the beginning of the policy.","sources":[{"clause":"11(a)","heading":null,"page":35,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-secure-shield-zukhlgp25049v052425/document/18279#c-11-a"},{"clause":"Row 4(d)(iii)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-secure-shield-zukhlgp25049v052425/document/18244#c-row-4-d-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":30},"display":"at least 30 days","note":"For instalment premiums, the wording separately states 15 days for monthly instalments and 30 days for quarterly/half-yearly/annual instalments.","quote":"The Policy will automatically terminate at the end of the Policy Period and must be renewed within the Grace Period of at least 30 days or as informed by Insurer from time to time. ... The Policy may be renewed by mutual consent and in such event the renewal premium shall be paid to the Company on or before the date of expiry of the Policy and in no case later than Grace Period of 30 days from the expiry of the Policy","sources":[{"clause":"13(a)","heading":null,"page":36,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-secure-shield-zukhlgp25049v052425/document/18279#c-13-a"},{"clause":"13(b)","heading":null,"page":36,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-secure-shield-zukhlgp25049v052425/document/18279#c-13-b"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"not-stated","value":null,"display":null,"note":"The documents provided do not state the minimum and maximum entry ages.","quote":null,"sources":[],"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":"If You have opted for payment of premium on an instalment basis of monthly / quarterly / half yearly, as specified in the Schedule ... Premiums on policies may be accepted in instalment provided that the instalments covering a particular period shall be received within 15 days from the date of commencement of the period (where premium is paid on monthly instalments) and 30 days from the date of commencement of the period (where premium paid in quarterly / half yearly/ annual instalments).","sources":[{"clause":"18","heading":"Instalment Facility","page":38,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-secure-shield-zukhlgp25049v052425/document/18279#c-18-2"},{"clause":"18(b)","heading":null,"page":38,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-secure-shield-zukhlgp25049v052425/document/18279#c-18-b"}],"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 BENEFIT","LOSS OF JOB BENEFIT (DUE TO ILLNESS/ ACCIDENT)"],"display":"Personal Accident Benefit and Loss of Job Benefit (due to illness/accident) are optional","note":"Section III can only be selected by Salaried Person’s opting for Credit linked policies. Section I is mandatory.","quote":"2.3 SECTION II: PERSONAL ACCIDENT BENEFIT ... 2.6 SECTION III: LOSS OF JOB BENEFIT (DUE TO ILLNESS/ ACCIDENT) ... Note:\na) Section I is a mandatory cover.\nb) Section II and III are optional cover’s, where Section III can only be selected by Salaried Person’s opting for Credit linked policies.","sources":[{"clause":null,"heading":"2.3 SECTION II: PERSONAL ACCIDENT BENEFIT","page":15,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-secure-shield-zukhlgp25049v052425/document/18279#c-2-3-section-ii-personal-accident-benefit"},{"clause":null,"heading":"2.6 SECTION III: LOSS OF JOB BENEFIT (DUE TO ILLNESS/ ACCIDENT)","page":16,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-secure-shield-zukhlgp25049v052425/document/18279#c-2-6-section-iii-loss-of-job-benefit-due-to-illne"},{"clause":null,"heading":"2.7 EXCLUSIONS APPLICABLE TO SECTION III","page":17,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-secure-shield-zukhlgp25049v052425/document/18279#c-2-7-exclusions-applicable-to-section-iii"}],"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":"For instalment premiums during the policy period, the policy states that coverage will be available for the grace period. Another clause in the same wording says the company will not be liable for claims incurred from the due date of instalment until restoration of the policy.","display":"Coverage available for the grace period for instalment premiums","note":"There is an internal inconsistency in the wording for instalment-premium grace period claims; this is not treated as a document conflict because both statements are in the policy wording.","quote":"If the premium is paid in instalments during the policy period, coverage will be available for the grace period also ... We will not be liable for any Claims which are incurred from the due date of installment till the date and time of restoration of the Policy.","sources":[{"clause":"18(d)","heading":null,"page":38,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-secure-shield-zukhlgp25049v052425/document/18279#c-18-d"},{"clause":null,"heading":"8. CLAIM INVESTIGATION, SETTLEMENT & REPUDIATION","page":32,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-secure-shield-zukhlgp25049v052425/document/18279#c-8-claim-investigation-settlement-repudiation"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"Daily room limit, if any.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Childbirth cover and any waiting period.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"ped_cover_group","label":"Pre-existing diseases","section":"Waiting periods","meaning":"Whether pre-existing diseases are covered from day one for the group.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Group Secure Shield","pages":43,"fetched_at":"2026-10-17 20:12:54+00","source_url":"https://cms.zurichkotak.com/uploads/Group_Secure_Shield_Policy_Wordings_Website_80db8ee926_ab284987d9.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-secure-shield-zukhlgp25049v052425/document/18279"},{"kind":"prospectus","label":"Group Secure Shield","pages":36,"fetched_at":"2026-10-17 20:08:50+00","source_url":"https://cms.zurichkotak.com/uploads/Group_Secure_Shield_Prospectus_2701dd4eca.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-secure-shield-zukhlgp25049v052425/document/18202"},{"kind":"cis","label":"Group Secure Shield","pages":10,"fetched_at":"2026-10-17 20:11:06+00","source_url":"https://cms.zurichkotak.com/uploads/Group_Secure_Shield_CIS_a76f0609ec.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-secure-shield-zukhlgp25049v052425/document/18244"},{"kind":"benefit-illustration","label":"Group Secure Shield - Benefit Illustration","pages":1,"fetched_at":"2026-10-17 20:06:54+00","source_url":"https://cms.zurichkotak.com/uploads/Benefit_Illustration_Group_Secure_shield_a78ed01959.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-secure-shield-zukhlgp25049v052425/document/18164"}],"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 Secure Shield (UIN ZUKHLGP25049V052425), IndiaInsurances, https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-secure-shield-zukhlgp25049v052425"}