{"uin":"ZUKHLGP27072V042627","name":"Group Smart Health","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627","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 Smart Health is a customizable group health policy with indemnity and fixed-benefit sections, including personal accident, disease, hospital daily cash, critical illness, OPD, surgery, maternity complication, wellness and other benefits. It has a 30-day initial illness waiting period, 36-month PED waiting period, 24-month specific-disease waiting period and entry age from 1 day with no maximum entry age.","analysis":{"state":"machine","analysed_at":"2026-10-19 23:03:48.374518+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 selectable sections and benefits, 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":"not-stated","value":null,"display":null,"note":"The wording defines Policy Period by reference to the Policy Schedule/Certificate of Insurance, but does not state a fixed product term.","quote":null,"sources":[],"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":"Hospitalization claims must be notified within 48 hours of hospitalization but not later than discharge. Accidental Death, Permanent Total Disablement or Critical Illness claims must be notified within 10 days from the date of occurrence of the Accident, and claim information/documents are to be provided within 30 days of the Injury/Hospitalisation.","display":"Hospitalisation: within 48 hours but not later than discharge; Accidental Death/PTD/Critical Illness: within 10 days; documents within 30 days","note":null,"quote":"In the event of a Hospitalization claim under the Policy, We/ TPA must be notified either at 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 the Policy, We/ TPA must be notified either at call centre or in writing within 10 days from the date of occurrence of the Accident. We/ TPA shall be provided the following necessary information and documentation in respect of the Claims is within 30 days of the Insured Person’s occurred Injury/ Hospitalisation:","sources":[{"clause":"3.2","heading":"Claims Intimation","page":71,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295#c-3-2-2"}],"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.","Benefit-wise Additional Documents"],"display":"KYC/photo ID/address proof/latest photographs, original signed claim form, and benefit-wise additional documents","note":null,"quote":"a) Basic documents required for all Claims:\ni) Applicable KYC documents along with latest photographs, Valid Photo ID, address proof, etc.\nii) Duly completed and signed Claim form in original as prescribed by Us.\nb) Benefit-wise Additional Documents:\nBenefit-wise Additional Documents are enlisted in the respective Benefit Sections.","sources":[{"clause":"3.3","heading":"Claims Documents","page":72,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295#c-3-3-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"conflicting","value":"The wording says the company shall settle or reject a claim within 15 days from receipt of the claim along with claim form and necessary documents. Delay in payment carries interest at 2% above the bank rate from receipt of the last necessary document to payment.","display":"Within 15 days from receipt of claim with claim form and necessary documents; delay interest 2% above bank rate","note":"Prospectus says: \"within 15 days from the date of receipt of last necessary document.\"","quote":"i) 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). ... ii) 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":"16","heading":"Claim Settlement (Provision for Penal Interest)","page":77,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295#c-16-2"},{"clause":"16","heading":"Claim Settlement (Provision for Penal Interest)","page":67,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18184#c-16-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Pre-Existing Diseases (Code – Excl01)","Specified disease/ procedure waiting period (Code – Excl02)","30 Day Waiting Period (Code – Excl03)","Investigation & Evaluation (Code – Excl04)","Rest Cure, rehabilitation and respite care (Code – Excl05)","Obesity/ Weight Control (Code – Excl06)","Cosmetic or plastic Surgery (Code – Excl08)","Hazardous or Adventure sports (Code – Excl09)","Breach of law (Code – Excl10)","Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof.","Maternity (Code- Excl18)","Any hospitalisation treatment taken outside India"],"display":"PED, specified disease/procedure waiting period, 30-day waiting period, investigation/evaluation, rest cure/rehabilitation, obesity surgery, cosmetic surgery, hazardous sports, breach of law, alcohol/drug abuse, maternity, hospitalisation outside India","note":"The product also has section-specific exclusions for Personal Accident, Animal/Insect/Reptile Attack, Loss of Job and Maternity Complication benefits.","quote":"Pre-Existing Diseases (Code – Excl01) ... 2.2 Specified disease/ procedure waiting period (Code – Excl02) ... 2.3 30 Day Waiting Period (Code – Excl03) ... 2.4 Investigation & Evaluation (Code – Excl04) ... 2.5 Rest Cure, rehabilitation and respite care (Code – Excl05) ... 2.6 Obesity/ Weight Control (Code – Excl06) ... 2.8 Cosmetic or plastic Surgery (Code – Excl08) ... 2.9 Hazardous or Adventure sports (Code – Excl09) ... 2.10 Breach of law (Code – Excl10) ... Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. ... 2.18 Maternity (Code- Excl18) ... Any hospitalisation treatment taken outside India","sources":[{"clause":"2.1","heading":"Pre-Existing Diseases (Code – Excl01)","page":66,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295#c-2-1"},{"clause":"2.2","heading":"Specified disease/ procedure waiting period (Code – Excl02)","page":66,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295#c-2-2-2"},{"clause":"2.3","heading":"30 Day Waiting Period (Code – Excl03)","page":67,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295#c-2-3-2"},{"clause":"2.4","heading":"Investigation & Evaluation (Code – Excl04)","page":67,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295#c-2-4-2"},{"clause":"2.5","heading":"Rest Cure, rehabilitation and respite care (Code – Excl05)","page":67,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295#c-2-5-2"},{"clause":"2.6","heading":"Obesity/ Weight Control (Code – Excl06)","page":67,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295#c-2-6"},{"clause":"2.8","heading":"Cosmetic or plastic Surgery (Code – Excl08)","page":68,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295#c-2-8"},{"clause":"2.9","heading":"Hazardous or Adventure sports (Code – Excl09)","page":68,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295#c-2-9"},{"clause":"2.10","heading":"Breach of law (Code – Excl10)","page":68,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295#c-2-10"},{"clause":"2.12","heading":"Code- Excl12","page":68,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295#c-2-12"},{"clause":"2.18","heading":"Maternity (Code- Excl18)","page":69,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295#c-2-18"},{"clause":"2.40","heading":"Any hospitalisation treatment taken outside India","page":71,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295#c-2-40"}],"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 Zurich Kotak General Insurance through the website, toll-free number, email, courier address, or the grievance cell at a branch. If not satisfied, contact the grievance officer at grievanceofficer@zurichkotak.com before approaching the Insurance Ombudsman.","display":"Zurich Kotak website/toll-free/email/courier/branch grievance cell first; 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@zurichkotak.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":"15","heading":"Redressal of Grievance","page":76,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295#c-15-2"}],"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 documents refer to limits and sum insured as specified in the Policy Schedule/Certificate of Insurance, but do not state selectable sum insured options for the product.","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":"This does not apply if the insured person has continuous coverage for more than twelve months; it applies afresh to enhanced sum insured.","quote":"a) Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered.","sources":[{"clause":"2.3","heading":"30 Day Waiting Period (Code – Excl03)","page":67,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295#c-2-3-2"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"quote-verified","value":{"unit":"months","amount":36},"display":"36 months","note":"The schedule/certificate may mention a different period; coverage after the waiting period is subject to declaration and acceptance by the insurer.","quote":"a) Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months (or as mentioned in the Policy Schedule/ Certificate of Insurance) of continuous coverage after the date of inception of the first policy with insurer.","sources":[{"clause":"2.1(a)","heading":null,"page":66,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295#c-2-1-a"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"quote-verified","value":{"unit":"months","amount":24},"display":"24 months","note":"The schedule/certificate may mention a different period; if the condition is also a pre-existing disease, the longer waiting period applies.","quote":"a) Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 24 months (or as mentioned in the Policy Schedule/ Certificate of Insurance) of continuous coverage after the date of inception of the first policy with us. This exclusion shall not be applicable for claims arising due to an accident.","sources":[{"clause":"2.2","heading":"Specified disease/ procedure waiting period (Code – Excl02)","page":66,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295#c-2-2-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"quote-verified","value":["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; chronic renal-failure dialysis; tonsillitis/adenoids/sinuses; gastric/duodenal erosions and ulcers; DNS; varicose veins/ulcers","note":null,"quote":"f) List of specific diseases/procedures\ni) Cataract;\nii) Benign Prostatic Hypertrophy;\niii) Myomectomy, Hysterectomy unless because of malignancy;\niv) All types of Hernia, Hydrocele;\nv) Fissures and/or Fistula in anus, haemorrhoids/piles;\nvi) Arthritis, gout, rheumatism and spinal disorders;\nvii) Joint replacements unless due to Accident;\nviii) Sinusitis and related disorders;\nix) Stones in the urinary and biliary systems;\nx) Dilatation and curettage, Endometriosis;\nxi) All types of skin and internal tumors/ cysts/ nodules/ polyps of any kind including breast lumps unless malignant;\nxii) Dialysis required for chronic renal failure;\nxiii) Tonsillitis, adenoids and sinuses;\nxiv) Gastric and duodenal erosions and ulcers;\nxv) Deviated nasal septum;\nxvi) Varicose Veins/ Varicose Ulcers.","sources":[{"clause":"2.2","heading":"Specified disease/ procedure waiting period (Code – Excl02)","page":66,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295#c-2-2-2"}],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"quote-verified","value":{"unit":"months","amount":60},"display":"sixty continuous months","note":"For enhanced sums insured, sixty continuous months applies from the date of enhancement 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":"13","heading":"Moratorium Period","page":76,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295#c-13-2"}],"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":"Portability is available as a facility to transfer credits gained for pre-existing diseases and specific waiting periods from one insurer to another insurer. The policy also says waiting periods are reduced to the extent of prior coverage if continuously covered without break as defined under portability norms.","display":"Yes, waiting-period credit can be transferred under portability norms","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 ... If the Insured Person is continuously covered without any break as defined under the portability norms of the extant IRDAI (Health Insurance) Regulations, then waiting period for the same would be reduced to the extent of prior coverage.","sources":[{"clause":null,"heading":"Definitions","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295#c-definitions"},{"clause":"2.1(c)","heading":null,"page":66,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295#c-2-1-c"}],"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 the maximum entry age is no limit, but it does not expressly 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":"v) No loading shall apply on renewals based on individual claims experience.","sources":[{"clause":"9","heading":"Renewal of Policy","page":75,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295#c-9-3"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on 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)","Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof.","Treatments received in heath hydros, nature cure clinics, spas or similar establishments","Dietary supplements and substances that can be purchased without prescription","Refractive Error (Code – Excl15)","Unproven Treatments (Code – Excl16)","Sterility and Infertility (Code- Excl17)","Maternity (Code- Excl18)","Any OPD treatment will not be covered.","Non-allopathic treatment other than AYUSH treament","Any hospitalisation treatment taken outside India"],"display":"Excl04 to Excl18, plus OPD, non-AYUSH non-allopathic treatment and hospitalisation outside India","note":"Some exclusions are deleted only to the extent of specific optional benefits, such as OPD benefits or maternity benefit.","quote":"2.4 Investigation & Evaluation (Code – Excl04) ... 2.5 Rest Cure, rehabilitation and respite care (Code – Excl05) ... 2.6 Obesity/ Weight Control (Code – Excl06) ... 2.7 Change-of- Gender treatments (Code – Excl07) ... 2.8 Cosmetic or plastic Surgery (Code – Excl08) ... 2.9 Hazardous or Adventure sports (Code – Excl09) ... 2.10 Breach of law (Code – Excl10) ... 2.11 Excluded Providers: (Code- Excl11) ... Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. ... Treatments received in heath hydros, nature cure clinics, spas or similar establishments ... Dietary supplements and substances that can be purchased without prescription ... 2.15 Refractive Error (Code – Excl15) ... 2.16 Unproven Treatments (Code – Excl16) ... 2.17 Sterility and Infertility (Code- Excl17) ... 2.18 Maternity (Code- Excl18) ... Any OPD treatment will not be covered. ... Non-allopathic treatment other than AYUSH treament ... Any hospitalisation treatment taken outside India","sources":[{"clause":"2.4","heading":"Investigation & Evaluation (Code – Excl04)","page":67,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295#c-2-4-2"},{"clause":"2.5","heading":"Rest Cure, rehabilitation and respite care (Code – Excl05)","page":67,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295#c-2-5-2"},{"clause":"2.6","heading":"Obesity/ Weight Control (Code – Excl06)","page":67,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295#c-2-6"},{"clause":"2.7","heading":"Change-of- Gender treatments (Code – Excl07)","page":68,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295#c-2-7"},{"clause":"2.8","heading":"Cosmetic or plastic Surgery (Code – Excl08)","page":68,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295#c-2-8"},{"clause":"2.9","heading":"Hazardous or Adventure sports (Code – Excl09)","page":68,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295#c-2-9"},{"clause":"2.10","heading":"Breach of law (Code – Excl10)","page":68,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295#c-2-10"},{"clause":"2.11","heading":"Excluded Providers: (Code- Excl11)","page":68,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295#c-2-11"},{"clause":"2.12","heading":"Code- Excl12","page":68,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295#c-2-12"},{"clause":"2.13","heading":"Code- Excl13","page":68,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295#c-2-13"},{"clause":"2.14","heading":"Code- Excl14","page":69,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295#c-2-14"},{"clause":"2.15","heading":"Refractive Error (Code – Excl15)","page":69,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295#c-2-15"},{"clause":"2.16","heading":"Unproven Treatments (Code – Excl16)","page":69,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295#c-2-16"},{"clause":"2.17","heading":"Sterility and Infertility (Code- Excl17)","page":69,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295#c-2-17"},{"clause":"2.18","heading":"Maternity (Code- Excl18)","page":69,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295#c-2-18"},{"clause":"2.38","heading":null,"page":71,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295#c-2-38"},{"clause":"2.39","heading":"Non-allopathic treatment other than AYUSH treament","page":71,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295#c-2-39"},{"clause":"2.40","heading":"Any hospitalisation treatment taken outside India","page":71,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295#c-2-40"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The policyholder may cancel at any time during the term by giving 7 days written notice. For a 1-year or up-to-1-year policy, proportionate premium for the unexpired policy period is refunded if no claim was made; for a multi-year policy, future policy years are refunded in full and the started year pro-rata if no claim was made, with medical examination expenses deducted where applicable.","display":"7 days notice; proportionate refund for unexpired period if no claim, with stated deductions","note":"If risk has commenced or only part of the insurance coverage has commenced, medical examination expenses are also deducted before refunding premium.","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/ Upto 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.","sources":[{"clause":"6(a)","heading":null,"page":74,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295#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 payable if the cause of action arises anywhere in the world, except listed hospitalisation claims whose cause of action is restricted to India unless otherwise specifically provided. Section E Hospital Daily Cash is worldwide only if Worldwide Cover under that section is opted, and all claims are payable in India in Indian Rupees.","display":"Worldwide for cause of action except listed hospitalisation claims restricted to India; Section E worldwide only with Worldwide Cover","note":null,"quote":"Claims under this Policy shall be payable if the cause of action arises anywhere in the world except for the hospitalisation claims payable under Benefit Nos 7, 13, 21, 22 (Section A), Benefit 4, 5 (Section B), Benefit 2, 3 (Section C), Benefit 2, 3 (Section D), Benefit 2, 3 (Section F) as mentioned above wherein the cause of action shall be restricted strictly to the geographical boundaries of India \\unless otherwise specifically provided in the Policy. In case of Section E – Hospital Daily Cash Benefit, the covers will be applicable on Worldwide basis, provided Benefit10 – Worldwide Cover under this Section is opted for. All Claims shall be payable in India and shall be paid in Indian Rupees only.","sources":[{"clause":null,"heading":"5. Cause of Action/ Currency for payments","page":78,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295#c-5-cause-of-action-currency-for-payments"}],"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":"Applicable on new individual health insurance policies, not renewals or porting/migration; available for policies with a term of one year or more.","quote":"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":74,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295#c-8-3"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"atleast 30 days","note":"For instalment premiums, the grace period is 15 days for monthly instalments and 30 days for quarterly/half yearly/annual instalments.","quote":"iv) 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. Coverage is not available during the grace period.","sources":[{"clause":"9","heading":"Renewal of Policy","page":75,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295#c-9-3"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"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":null,"heading":"Specific Terms and Clauses 1. Eligibility","page":77,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295#c-specific-terms-and-clauses-1-eligibility"}],"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":["Half Yearly","Quarterly","Monthly","annual"],"display":"Half Yearly, Quarterly, Monthly and annual","note":null,"quote":"If the insured person has opted for Payment of Premium on an instalment basis i.e. Half Yearly, Quarterly or Monthly, as mentioned in the policy Schedule/Certificate of Insurance ... 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":75,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295#c-11-3"}],"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":["Carriage of Dead Body","Funeral Expenses","Accidental Medical Expenses Extension","Ambulance Charges (Accidental Hospitalisation)","Air Ambulance (Accident Related)","Sports Activity Cover","Companion Benefit","Maternity Benefit","New Born Baby Benefit","Worldwide Cover"],"display":"Optional benefits include carriage of dead body, funeral expenses, accidental medical expenses extension, ambulance, air ambulance, sports activity cover, companion, maternity, newborn baby and worldwide cover","note":"The product is customizable; the schedule/certificate specifies which benefits are applicable and in force.","quote":"The customer may opt for any one or more of the Benefits under one or more Sections. Optional Benefits may be opted only if atleast one of the Basic Benefits have been opted. ... II OPTIONAL BENEFITS Benefit 11: Carriage of Dead Body ... Benefit 12: Funeral Expenses ... Benefit 13: Accidental Medical Expenses Extension ... Benefit 21: Ambulance Charges (Accidental Hospitalisation) ... Benefit 32: Air Ambulance (Accident Related) ... Benefit 34: Sports Activity Cover ... II OPTIONAL BENEFITS Benefit 4: Companion Benefit ... Benefit 7: Maternity Benefit ... Benefit 8: New Born Baby Benefit ... Benefit 9: Worldwide Cover","sources":[{"clause":"1","heading":"WHAT WE WILL PAY (COVERS AVAILABLE UNDER THE POLICY)","page":9,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295#c-1"},{"clause":"II","heading":"OPTIONAL BENEFITS Benefit 11: Carriage of Dead Body","page":16,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295#c-ii"},{"clause":null,"heading":"Benefit 12: Funeral Expenses","page":16,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295#c-benefit-12-funeral-expenses"},{"clause":null,"heading":"Benefit 13: Accidental Medical Expenses Extension","page":16,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295#c-benefit-13-accidental-medical-expenses-extension"},{"clause":null,"heading":"Benefit 21: Ambulance Charges (Accidental Hospitalisation)","page":18,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295#c-benefit-21-ambulance-charges-accidental-hospital"},{"clause":null,"heading":"Benefit 32: Air Ambulance (Accident Related)","page":23,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295#c-benefit-32-air-ambulance-accident-related"},{"clause":null,"heading":"Benefit 34: Sports Activity Cover","page":23,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295#c-benefit-34-sports-activity-cover"},{"clause":"II","heading":"OPTIONAL BENEFITS Benefit 4: Companion Benefit","page":38,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295#c-ii-2"},{"clause":null,"heading":"Benefit 7: Maternity Benefit","page":39,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295#c-benefit-7-maternity-benefit"},{"clause":null,"heading":"Benefit 8: New Born Baby Benefit","page":40,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295#c-benefit-8-new-born-baby-benefit"},{"clause":null,"heading":"Benefit 9: Worldwide Cover","page":40,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295#c-benefit-9-worldwide-cover"}],"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 is available during the grace period.","display":"Renewal grace: no coverage; instalment grace: coverage available","note":null,"quote":"Coverage is not available during the grace period. ... ii) 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":75,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295#c-9-3"},{"clause":"11","heading":"Premium Payment in Instalments","page":75,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295#c-11-3"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"Daily room limit, if any.","status":"not-stated","value":null,"display":null,"note":"The wording defines Room Rent but does not state a product-wide room-rent amount or room-category limit.","quote":null,"sources":[],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Childbirth cover and any waiting period.","status":"quote-verified","value":"Maternity Benefit pays the Daily Cash Amount for each completed day of hospitalisation for delivery, including caesarean section, or medically necessary and lawful termination of pregnancy, if the benefit is opted. A 36-month maternity waiting period applies unless the schedule/certificate states otherwise.","display":"Maternity daily cash if opted; 36 months or as schedule","note":"General Exclusion 2.18 is deleted only to the extent of the Maternity Benefit.","quote":"We will pay the Daily Cash Amount, specified in the Policy Schedule/ Certificate of Insurance under the Maternity Benefit for the delivery of the Insured Person’s child (including cesarean section) or for the Medically necessary and lawful termination of pregnancy for each and every completed day of the Insured Person's Hospitalisation during this Period of Cover ... Expenses related to the treatment arising from or traceable to pregnancy, childbirth including caesarean section shall be excluded until the expiry of 36 months (or as mentioned in the Policy Schedule/ Certificate of Insurance) of continuous coverage after the date of inception of the first policy with insurer.","sources":[{"clause":null,"heading":"Benefit 7: Maternity Benefit","page":39,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295#c-benefit-7-maternity-benefit"},{"clause":"2.19(a)","heading":null,"page":69,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295#c-2-19-a"}],"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":"quote-verified","value":"Cashless Facility means the insurer directly pays the network provider for approved treatment costs under the policy terms. Some hospitalisation benefits state that, after admission of a claim and on advance written request, the insurer may or will pay the hospital directly if cashless facility can be offered at that hospital.","display":"Cashless facility at network providers to the extent pre-authorisation is approved","note":null,"quote":"Cashless Facility | means a facility extended by the insurer to the insured where the payments, of the costs of treatment undergone by the insured in accordance with the policy terms and conditions, are directly made to the network provider by the insurer to the extent pre-authorization is approved ... If We have admitted a claim under this Benefit, then on the Insured Person/Nominee’s advance written request, We will pay the amount due under this Benefit directly to the Hospital where the Insured Person was treated provided that We are able to offer Cashless Facility at that Hospital.","sources":[{"clause":null,"heading":"Definitions","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295#c-definitions"},{"clause":"Section B(d)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295#c-section-b-d"}],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"quote-verified","value":"Claims may be notified to the insurer or TPA. The documents do not name a specific TPA.","display":"Insurer or TPA","note":"No specific TPA is named in the provided clauses.","quote":"In the event of a Hospitalization claim under the Policy, We/ TPA must be notified either at call centre or in writing within 48 hours of the Hospitalization but not later than discharge from the Hospital.","sources":[{"clause":"3.2","heading":"Claims Intimation","page":71,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295#c-3-2-2"}],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"quote-verified","value":true,"display":"Yes, Family Floater available","note":null,"quote":"Family Floater | means a Policy described as such in the Policy Schedule where You and Your family members [as mentioned in Eligibility (Part III)] named in the Schedule are insured under this Policy as at the Policy Period Start Date The Sum Insured for a Family Floater means the sum shown in the Schedule which represents Our maximum liability for any and all claims made by You and/or all of Your family members mentioned in the Policy Schedule during each Policy Period.","sources":[{"clause":null,"heading":"Definitions","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295#c-definitions"}],"law":[]}],"documents":[{"kind":"wording","label":"Group Smart Health","pages":108,"fetched_at":"2026-10-17 20:13:34+00","source_url":"https://cms.zurichkotak.com/uploads/Group_Smart_Health_Policy_Wordings_e6d0b6c8d2.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18295"},{"kind":"prospectus","label":"Group Smart Health","pages":74,"fetched_at":"2026-10-17 20:07:50+00","source_url":"https://cms.zurichkotak.com/uploads/Prospectus_Group_Smart_Health_3ce3b5ba4b.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18184"},{"kind":"cis","label":"Group Smart Health","pages":22,"fetched_at":"2026-10-17 20:10:56+00","source_url":"https://cms.zurichkotak.com/uploads/Group_Smart_Health_CIS_ZK_26_27_v1_11052026_4a0fda8270.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18242"},{"kind":"benefit-illustration","label":"Group Smart Health - Benefit Illustration","pages":1,"fetched_at":"2026-10-17 20:07:44+00","source_url":"https://cms.zurichkotak.com/uploads/Benefit_Illustration_Group_Smart_Health_a544ea24de.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627/document/18179"}],"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 Health (UIN ZUKHLGP27072V042627), IndiaInsurances, https://indiainsurances.com/policy/zurich-kotak-general-insurance/group-smart-health-zukhlgp27072v042627"}