{"uin":"ZUKHLIP25037V022425","name":"LiveWise","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425","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":"health-indemnity","category_name":"Health insurance (hospitalisation)","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"LiveWise is a health-indemnity policy available on individual and family floater bases, with policy terms of 1/2/3 years and sum insured options from 5 lac to 100 lac. It has a 30 day initial waiting period, 36 month pre-existing disease waiting period, 24 month specified disease/procedure waiting period, and life-long renewal.","analysis":{"state":"machine","analysed_at":"2026-10-19 22:57:41.406934+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Individual Policy","Family Floater policy"],"display":"Individual Policy; Family Floater policy","note":null,"quote":"Family Floater policy - A family floater policy can cover a maximum of 2 adults and 3 dependent children under a single policy Relationships covered - Self, Spouse / Partner, Your natural or adopted dependent children Individual Policy - Self, Spouse / Partner, Your natural or adopted dependent children, Your parents, Your parents-in-law, Your siblings, Brother in Law, Sister in Law, Grandparents, Grandchild(ren).","sources":[{"clause":"18","heading":"Eligibility","page":42,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-18-2"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"1/2/3 years","display":"1/2/3 years","note":"From the prospectus; the policy wording defines policy period by the policy schedule but does not list the selectable terms.","quote":"Policy Period | 1/2/3 years","sources":[{"clause":"1","heading":"SAILENT FEATURES OF THE POLICY","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18170#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":"For planned cashless hospitalisation, contact the insurer or TPA at least 48 hours before hospitalisation. For emergency cashless care, contact within 24 hours of commencement of hospitalisation; reimbursement claims must be notified in writing at least within 30 days of discharge.","display":"Planned cashless: at least 48 hours prior; emergency cashless: within 24 hours of commencement; reimbursement: within 30 days of discharge","note":null,"quote":"At least 48 hours prior to a planned Hospitalization, We or Our TPA shall be contacted to request pre-authorization for availing the Cashless Facility for that planned Hospitalisation. ... If the Insured Person has been admitted into Hospital for Emergency Care, We or Our TPA shall be contacted to request pre-authorization for availing the Cashless Facility for that Emergency Care within 24 hours of commencement of Hospitalisation. ... We shall be given written notice of the Claim for reimbursement along with the following details at least within 30 days of the Insured Person’s discharge from Hospital:","sources":[{"clause":"39(a)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-39-a"},{"clause":"39(b)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-39-b"},{"clause":null,"heading":"5.2 For Reimbursement Claims","page":34,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-5-2-for-reimbursement-claims"}],"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":["Duly completed Claim form signed by You and the Medical Practitioner (only for reimbursement claims)","Hospital discharge summary","First consultation and follow up treatment papers","Original bills and receipts from the Hospital/Medical Practitioner","Original bills from chemists supported by proper prescription","Original investigation test reports (including CT/MR/USG/ECG, as applicable) and payment receipts","Indoor case papers, if available","Implant Invoice/ Sticker, if available","Ambulance Invoice, if applicable","FIR (if done) or MLC (if conducted) for Accident cases","Post mortem report (if conducted)","KYC documents viz. Photo ID and address proof along with duly completed form","Any other document as required by Us or Our TPA to investigate the Claim or Our obligation to make payment for it","Original Pre – authorization request","Copy of Pre – authorization approval letter","Copy of the photo identity document of the Insured Person","KYC documents obtained at the time of cashless facility"],"display":"Claim form, discharge summary, consultation papers, original bills and receipts, prescriptions, investigation reports, case papers, implant/ambulance invoices, accident/death/KYC documents, and cashless pre-authorisation documents","note":null,"quote":"We shall be provided the following necessary information and documentation in respect of all Claims within 30 days of the Insured Person’s discharge from Hospital. For Claims under which the use of Cashless Facility has been approved, We will be provided with these documents by the Network Provider immediately following the Insured Person’s discharge from Hospital:\ni. Duly completed Claim form signed by You and the Medical Practitioner (only for reimbursement claims);\nii. Hospital discharge summary;\niii. First consultation and follow up treatment papers;\niv. Original bills and receipts from the Hospital/Medical Practitioner;\nv. Original bills from chemists supported by proper prescription;\nvi. Original investigation test reports (including CT/MR/USG/ECG, as applicable) and payment receipts;\nvii. Indoor case papers, if available;\nviii. Implant Invoice/ Sticker, if available;\nix. Ambulance Invoice, if applicable; ... x) FIR (if done) or MLC (if conducted) for Accident cases; ... xi) Post mortem report (if conducted); ... xii) KYC documents viz. Photo ID and address proof along with duly completed form. ... xiii) Any other document as required by Us or Our TPA to investigate the Claim or Our obligation to make payment for it. For claims under which cashless facility has been approved, following documents will be provided by the Network hospital along with the above:\ni. Original Pre – authorization request\nii. Copy of Pre – authorization approval letter\niii. Copy of the photo identity document of the Insured Person;\niv. KYC documents obtained at the time of cashless facility.","sources":[{"clause":null,"heading":"6. CLAIM DOCUMENTS","page":35,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-6-claim-documents"},{"clause":"39(b)(x)","heading":null,"page":35,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-39-b-x"},{"clause":"39(b)(xi)","heading":null,"page":35,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-39-b-xi"},{"clause":"39(b)(xii)","heading":null,"page":35,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-39-b-xii"},{"clause":"39(b)(xiii)","heading":null,"page":35,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-39-b-xiii"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The company shall settle or reject a claim within 15 days from receipt of claim along with claim form and necessary documents. For delay in payment, it is liable to pay interest from receipt of the last necessary document to payment at 2% above the bank rate.","display":"Settle or reject within 15 days from receipt of claim with claim form and necessary documents; delay interest at 2% above bank rate","note":null,"quote":"The Company shall settle or reject a claim, as the case may be, within 15 days from the date of receipt of claim along with claim form (and necessary documents). ... In the case of delay in the payment of a claim, the Company shall be liable to pay interest to the policyholder from the date of receipt of last necessary document to the date of payment of claim at a rate 2% above the bank rate.","sources":[{"clause":"17(i)","heading":null,"page":42,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-17-i"},{"clause":"17(ii)","heading":null,"page":42,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-17-ii"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Pre-Existing Diseases (Code – Excl01)","30 Day Waiting Period (Code – Excl03)","Specified disease/ procedure waiting period (Code – Excl02)","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 health hydros, nature cure clinics, spas or similar establishments","Unproven Treatments (Code – Excl16)","Maternity (Code- Excl18)"],"display":"Pre-existing diseases, 30 day illness waiting period, specified disease/procedure waiting period, and key permanent exclusions including investigation, rest cure, obesity surgery, gender change, cosmetic surgery, hazardous sports, breach of law, excluded providers, substance abuse, health hydros/spas, unproven treatments and maternity","note":null,"quote":"3.1 Pre-Existing Diseases (Code – Excl01) ... 3.2 30 Day Waiting Period (Code – Excl03) ... Specified disease/ procedure waiting period (Code – Excl02) ... Excl04 Investigation & Evaluation (Code- Excl04) ... Excl05 Rest Cure, rehabilitation and respite care (Code – Excl05) ... Excl06 Obesity/ Weight Control (Code – Excl06) ... 4 Change-of- Gender treatments (Code – Excl07) ... 5 Cosmetic or plastic Surgery (Code – Excl08) ... 6 Hazardous or Adventure sports: (Code- Excl09) ... 7 Breach of law (Code – Excl10) ... 8 Excluded Providers: (Code- Excl11) ... Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof ... Treatments received in health hydros, nature cure clinics, spas or similar establishments or private beds registered as a nursing home attached to such establishments or where admission is arranged wholly or partly for domestic reasons. ... 13 Unproven Treatments (Code – Excl16) ... 15 Maternity (Code- Excl18)","sources":[{"clause":"3.1","heading":"Pre-Existing Diseases (Code – Excl01)","page":26,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-3-1"},{"clause":"3.2","heading":"30 Day Waiting Period (Code – Excl03)","page":26,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-3-2"},{"clause":"3.3","heading":"Specified disease/ procedure waiting period (Code – Excl02)","page":26,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-3-3"},{"clause":"Excl04","heading":"Investigation & Evaluation (Code- Excl04)","page":27,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-excl04"},{"clause":"Excl05","heading":"Rest Cure, rehabilitation and respite care (Code – Excl05)","page":27,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-excl05"},{"clause":"Excl06","heading":"Obesity/ Weight Control (Code – Excl06)","page":28,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-excl06"},{"clause":"4","heading":"Change-of- Gender treatments (Code – Excl07)","page":28,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-4"},{"clause":"5","heading":"Cosmetic or plastic Surgery (Code – Excl08)","page":28,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-5"},{"clause":"6","heading":"Hazardous or Adventure sports: (Code- Excl09)","page":28,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-6"},{"clause":"7","heading":"Breach of law (Code – Excl10)","page":28,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-7"},{"clause":"8","heading":"Excluded Providers: (Code- Excl11)","page":29,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-8"},{"clause":"9","heading":"Code- Excl12","page":29,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-9"},{"clause":"10","heading":"Code- Excl13","page":29,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-10"},{"clause":"13","heading":"Unproven Treatments (Code – Excl16)","page":29,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-13"},{"clause":"15","heading":"Maternity (Code- Excl18)","page":30,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-15"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact the company through its website, toll free number 1800 2120, care@zurichkotak.com, 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":"Company website/toll free 1800 2120/care@zurichkotak.com/branch grievance cell first; then grievanceofficer@zurichkotak.com; then Ombudsman","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 ... If Insured person is not satisfied with the redressal of grievance through above methods, the insured person may also approach the office of Insurance Ombudsman","sources":[{"clause":"16","heading":"Redressal of Grievance","page":41,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-16-2"}],"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":"quote-verified","value":"5 lac/ 7.5 lac/ 10 lac/15 lac/ 25 lac / 50 lac/ 100 lac","display":"5 lac/ 7.5 lac/ 10 lac/15 lac/ 25 lac / 50 lac/ 100 lac","note":"From the prospectus; the policy wording refers to the Sum Insured specified in the Policy Schedule.","quote":"Sum Insured | 5 lac/ 7.5 lac/ 10 lac/15 lac/ 25 lac / 50 lac/ 100 lac","sources":[{"clause":"1","heading":"SAILENT FEATURES OF THE POLICY","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18170#c-1"}],"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":"Not applicable for accident claims, if covered; not applicable after Continuous Coverage for more than twelve months.","quote":"Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered.","sources":[{"clause":"3.2","heading":"30 Day Waiting Period (Code – Excl03)","page":26,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-3-2"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"quote-verified","value":{"unit":"months","amount":36},"display":"36 months","note":"The optional Pre-existing Diseases Waiting Period Modification can change the 36 months period to the specific period mentioned in the Policy Schedule.","quote":"Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months (or period as mentioned in the Policy Schedule) of continuous coverage after the date of inception of the first policy with insurer. ... In case this Cover is opted for, the applicable Pre-existing Diseases waiting period of 36 months shall be modified to specific time period as mentioned in the Policy Schedule.","sources":[{"clause":"3.1","heading":"Pre-Existing Diseases (Code – Excl01)","page":26,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-3-1"},{"clause":null,"heading":"2.B.8 Pre-existing Diseases Waiting Period Modification","page":23,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-2-b-8-pre-existing-diseases-waiting-period-modif"}],"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 optional Specified disease/ procedure Waiting Period Modification changes the period to 12 months. The exclusion does not apply for accident claims.","quote":"Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 24 months (or period as mentioned in the Policy Schedule) of continuous coverage after the date of inception of the first policy with us. ... In case this Cover is opted for, the applicable Specified disease/ procedure waiting period of 24 months shall be modified to 12 months.","sources":[{"clause":"3.3(a)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-3-3-a"},{"clause":null,"heading":"2.B.9 Specified disease/ procedure Waiting Period Modification","page":23,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-2-b-9-specified-disease-procedure-waiting-period"}],"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":["Any treatment related to Arthritis (if non-infective), Osteoarthritis and Osteoporosis, Gout, Rheumatism, Spinal Disorders, Joint Replacement Surgery, Arthroscopic Knee Surgeries/ACL Reconstruction/Meniscal and Ligament Repair","Surgical treatments for Benign ear, nose and throat (ENT) disorders and surgeries (including but not limited to Adenoidectomy, Mastoidectomy, Tonsillectomy and Tympanoplasty), Nasal","Septum Deviation, Sinusitis and related disorders","Benign Prostatic Hypertrophy","Cataract","Dilatation and Curettage","Fissure / Fistula in anus, Hemorrhoids / Piles, Pilonidal Sinus, Gastric and Duodenal Ulcers","Surgery of Genito-urinary system unless necessitated by malignancy","All types of Hernia & Hydrocele","Hysterectomy for menorrhagia or Fibromyoma or prolapse of uterus unless necessitated by malignancy","Internal tumours, skin tumours, cysts, nodules, polyps including breast lumps (each of any kind) unless malignant","Kidney Stone / Ureteric Stone /Lithotripsy / Gall Bladder Stone","Myomectomy for fibroids","Varicose veins and varicose Ulcers","Parkinson's or Alzheimer's disease or Dementia"],"display":"Arthritis/joint/spinal disorders, ENT surgeries, nasal septum/sinusitis, BPH, cataract, D&C, fissure/fistula/piles/ulcers, genito-urinary surgery, hernia/hydrocele, hysterectomy, tumours/cysts/polyps, kidney/ureteric/gall bladder stones, myomectomy, varicose veins, Parkinson's/Alzheimer's/dementia","note":null,"quote":"f) List of specific diseases/procedures\n1) Any treatment related to Arthritis (if non-infective), Osteoarthritis and Osteoporosis, Gout, Rheumatism, Spinal Disorders, Joint Replacement Surgery, Arthroscopic Knee Surgeries/ACL Reconstruction/Meniscal and Ligament Repair\n2) Surgical treatments for Benign ear, nose and throat (ENT) disorders and surgeries (including but not limited to Adenoidectomy, Mastoidectomy, Tonsillectomy and Tympanoplasty), Nasal\n3) Septum Deviation, Sinusitis and related disorders\n4) Benign Prostatic Hypertrophy\n5) Cataract\n6) Dilatation and Curettage\n7) Fissure / Fistula in anus, Hemorrhoids / Piles, Pilonidal Sinus, Gastric and Duodenal Ulcers\n8) Surgery of Genito-urinary system unless necessitated by malignancy\n9) All types of Hernia & Hydrocele\n10) Hysterectomy for menorrhagia or Fibromyoma or prolapse of uterus unless necessitated by malignancy\n11) Internal tumours, skin tumours, cysts, nodules, polyps including breast lumps (each of any\nkind) unless malignant\n12) Kidney Stone / Ureteric Stone /Lithotripsy / Gall Bladder Stone\n13) Myomectomy for fibroids\n14) Varicose veins and varicose Ulcers\n15) Parkinson's or Alzheimer's disease or Dementia","sources":[{"clause":"3.3(f)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-3-3-f"}],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"quote-verified","value":{"unit":"months","amount":60},"display":"sixty continuous months","note":"For enhanced 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":"14","heading":"Moratorium Period","page":41,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-14-2"}],"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":"The insured person can port the policy to another insurer by applying to that insurer to port the entire policy with all family members at least 30 days before, but not earlier than 60 days from, the policy renewal date. If continuously covered without lapses under an Indian general/health insurer policy, accrued continuity benefits in waiting periods are given as per IRDAI portability guidelines.","display":"Can port to other insurers; apply at least 30 days before but not earlier than 60 days from renewal; accrued waiting-period continuity benefits apply","note":null,"quote":"The insured person will have the option to port the policy to other insurers by applying to such insurer to port the entire policy along with all the members of the family, if any, at least 30 days before, but not earlier than 60 days from the policy renewal date as per IRDAI guidelines related to portability. If such person is presently covered and has been continuously covered without any lapses under any health insurance policy with an Indian General/Health insurer, the proposed insured person will get the accrued continuity benefits in waiting periods as per IRDAI guidelines on portability.","sources":[{"clause":"8","heading":"Portability","page":39,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-8-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"quote-verified","value":true,"display":"Yes, life-long renewal","note":"From the prospectus.","quote":"Exit Age/ Renewal | The Policy provides for life-long renewal","sources":[{"clause":"1","heading":"SAILENT FEATURES OF THE POLICY","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18170#c-1"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"quote-verified","value":"No loading applies on renewals based on individual claims experience.","display":"No loading on renewals based on individual claims experience","note":null,"quote":"No loading shall apply on renewals based on individual claims experience.","sources":[{"clause":"10","heading":"Renewal of Policy","page":39,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-10-2"}],"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 health 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 item or condition or treatment specified in List of Non-Medical Items","Taking part or is supposed to participate in a naval, military, air force operation or aviation","Treatment taken from anyone who is not a Medical Practitioner","Charges incurred in connection with routine eye examinations and ear examinations, dentures, artificial teeth","external prosthesis, corrective devices, external durable medical equipment","Alopecia wigs and/or toupee and all hair or hair fall treatment and products","Screening, counseling or treatment of any external Congenital Anomaly","Treatment of mental retardation, arrested or incomplete development of mind","Circumcision unless necessary for treatment of an Illness or as may be necessitated due to an Accident","All preventive care","Artificial life maintenance","Non - Allopathic Treatment, Hydrotherapy, Acupuncture, Reflexology, Chiropractic treatment","War (whether declared or not) and war like occurrence","Act of self-destruction or self-inflicted Injury","Any charges incurred to procure documents related to treatment or Illness","Personal comfort and convenience items or services","RMO charges, Service charge, Surcharge, night charges","Nuclear, chemical or biological attack or weapons","Impairment of an Insured Person's intellectual faculties by abuse of stimulants or depressants","Any treatment taken in a clinic, rest home, convalescent home for the addicted, detoxification center, sanatorium, home for the aged, remodeling clinic or similar institutions","Remicade, Avastin or similar injectable treatment","Modern Treatment Methods other than mentioned in the Clause 2.A.1.3","Hormone replacement therapy","Any other exclusion as specified in the Policy Schedule"],"display":"Permanent exclusions include Excl04 to Excl18 and product exclusions such as non-medical items, military/aviation operations, non-practitioner/self-medication treatment, external appliances, congenital anomalies, preventive care, artificial life maintenance, non-allopathic/unrecognized treatments, war, self-inflicted injury, document charges, comfort items, RMO/service/surcharge/night charges, nuclear/chemical/biological attack, stimulant/depressant abuse, sanatorium/rest-home treatment, Remicade/Avastin outside inpatient/day care, non-listed modern treatments, hormone replacement therapy and schedule exclusions","note":null,"quote":"We will not be liable under any circumstances, for any Claim in connection with or with regard to any of the following permanent exclusions as specified below: ... Excl04 Investigation & Evaluation (Code- Excl04) ... Excl05 Rest Cure, rehabilitation and respite care (Code – Excl05) ... Excl06 Obesity/ Weight Control (Code – Excl06) ... 4 Change-of- Gender treatments (Code – Excl07) ... 5 Cosmetic or plastic Surgery (Code – Excl08) ... 6 Hazardous or Adventure sports: (Code- Excl09) ... 7 Breach of law (Code – Excl10) ... 8 Excluded Providers: (Code- Excl11) ... Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof ... Treatments received in health hydros, nature cure clinics, spas or similar establishments ... Dietary supplements and substances that can be purchased without prescription ... 12 Refractive Error (Code- Excl15) ... 13 Unproven Treatments (Code – Excl16) ... 14 Sterility and Infertility (Code- Excl17) ... 15 Maternity (Code- Excl18) ... Any item or condition or treatment specified in List of Non-Medical Items (Annexure – II to Policy Terms & Conditions). ... Taking part or is supposed to participate in a naval, military, air force operation or aviation in a professional or semi-professional nature. ... Treatment taken from anyone who is not a Medical Practitioner or from a Medical Practitioner who is practicing outside the discipline for which he is licensed or any kind of self-medication. ... Charges incurred in connection with routine eye examinations and ear examinations, dentures, artificial teeth ... Any expenses incurred on external prosthesis, corrective devices, external durable medical ... Alopecia wigs and/or toupee and all hair or hair fall treatment and products. ... Screening, counseling or treatment of any external Congenital Anomaly ... Treatment of mental retardation, arrested or incomplete development of mind ... Circumcision unless necessary for treatment of an Illness or as may be necessitated due to an Accident. ... All preventive care ... Expenses incurred for Artificial life maintenance ... 27 Non - Allopathic Treatment, Hydrotherapy, Acupuncture, Reflexology, Chiropractic treatment ... War (whether declared or not) and war like occurrence ... Act of self-destruction or self-inflicted Injury ... Any charges incurred to procure documents related to treatment or Illness pertaining to any period of Hospitalization or Illness. ... Personal comfort and convenience items or services ... Expenses related to any kind of RMO charges, Service charge, Surcharge, night charges ... Nuclear, chemical or biological attack or weapons ... Impairment of an Insured Person's intellectual faculties by abuse of stimulants or depressants unless prescribed by a medical practitioner. ... Any treatment taken in a clinic, rest home, convalescent home for the addicted, detoxification center, sanatorium, home for the aged, remodeling clinic or similar institutions. ... Remicade, Avastin or similar injectable treatment which is undergone other than as a part of In- Patient Care Hospitalisation or Day Care Hospitalisation is excluded. ... Expenses related to any kind of Modern Treatment Methods other than mentioned in the Clause 2.A.1.3 ... Hormone replacement therapy. ... Any other exclusion as specified in the Policy Schedule.","sources":[{"clause":"3.4","heading":"Permanent Exclusions","page":27,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-3-4"},{"clause":"Excl04","heading":"Investigation & Evaluation (Code- Excl04)","page":27,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-excl04"},{"clause":"Excl05","heading":"Rest Cure, rehabilitation and respite care (Code – Excl05)","page":27,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-excl05"},{"clause":"Excl06","heading":"Obesity/ Weight Control (Code – Excl06)","page":28,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-excl06"},{"clause":"4","heading":"Change-of- Gender treatments (Code – Excl07)","page":28,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-4"},{"clause":"5","heading":"Cosmetic or plastic Surgery (Code – Excl08)","page":28,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-5"},{"clause":"6","heading":"Hazardous or Adventure sports: (Code- Excl09)","page":28,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-6"},{"clause":"7","heading":"Breach of law (Code – Excl10)","page":28,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-7"},{"clause":"8","heading":"Excluded Providers: (Code- Excl11)","page":29,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-8"},{"clause":"9","heading":"Code- Excl12","page":29,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-9"},{"clause":"10","heading":"Code- Excl13","page":29,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-10"},{"clause":"11","heading":"Code- Excl14","page":29,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-11"},{"clause":"12","heading":"Refractive Error (Code- Excl15)","page":29,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-12"},{"clause":"13","heading":"Unproven Treatments (Code – Excl16)","page":29,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-13"},{"clause":"14","heading":"Sterility and Infertility (Code- Excl17)","page":29,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-14"},{"clause":"15","heading":"Maternity (Code- Excl18)","page":30,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-15"},{"clause":"16","heading":null,"page":30,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-16"},{"clause":"17","heading":null,"page":30,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-17"},{"clause":"18","heading":null,"page":30,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-18"},{"clause":"19","heading":null,"page":30,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-19"},{"clause":"20","heading":"Any expenses incurred on external prosthesis, corrective devices, external durable medical","page":30,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-20"},{"clause":"21","heading":null,"page":30,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-21"},{"clause":"22","heading":null,"page":30,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-22"},{"clause":"23","heading":null,"page":30,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-23"},{"clause":"24","heading":null,"page":30,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-24"},{"clause":"25","heading":null,"page":30,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-25"},{"clause":"26","heading":null,"page":30,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-26"},{"clause":"27","heading":"Non - Allopathic Treatment, Hydrotherapy, Acupuncture, Reflexology, Chiropractic treatment","page":31,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-27"},{"clause":"28","heading":null,"page":31,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-28"},{"clause":"29","heading":null,"page":31,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-29"},{"clause":"30","heading":null,"page":31,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-30"},{"clause":"31","heading":null,"page":31,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-31"},{"clause":"32","heading":null,"page":31,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-32"},{"clause":"33","heading":null,"page":31,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-33"},{"clause":"34","heading":null,"page":31,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-34"},{"clause":"35","heading":null,"page":32,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-35"},{"clause":"36","heading":null,"page":32,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-36"},{"clause":"37","heading":null,"page":32,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-37"},{"clause":"38","heading":null,"page":32,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-38"},{"clause":"39","heading":null,"page":32,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-39"}],"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 policy, proportionate premium for the unexpired period is refunded if no claims were made; for a multi-year policy, future policy years are refunded in full and a started policy year is refunded pro-rata if no claim has been made, with medical examination expenses deducted where applicable.","display":"7 days notice; pro-rata refund for unexpired period if no claims; future policy years refunded in full; medical exam expenses may be deducted","note":null,"quote":"The Policyholder may cancel his/her policy at any time during the term, by giving 7 days notice in writing. The Insurer shall –\n• For 1 year Policy- Refund proportionate premium for unexpired policy period subject to no claim(s) were made during the policy period.\n• For Multi Year Policy - o For any policy year where the risk date has not yet started, the premium will be refunded without any deduction. o For any policy year where the risk has started, the premium will be refunded on a pro-rata basis for that policy year, provided no claim has been made during the policy year and in full for future policy years. Additional Deductions - Notwithstanding the above, if (i) the risk under the Policy has already commenced, or (ii) only a part of the insurance coverage has commenced, and the option of Policy cancellation is exercised by the Policyholder, then expenses incurred by the Company on medical examination of the Policyholder will also be deducted before refunding of premium.","sources":[{"clause":"7(a)","heading":null,"page":38,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-7-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 only if the cause of action arises in India unless the policy specifically provides otherwise. Hospitalisation expenses cover admission to a Hospital in India, and claims are payable in India in Indian Rupees only.","display":"India, unless otherwise specifically provided in Policy","note":null,"quote":"If an Insured Person is diagnosed with an Illness or suffers an Injury and which requires the Insured Person to be admitted in a Hospital in India during the Policy Year and while the Policy is in force for: ... 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":null,"heading":"2.A Base Covers 2.A.1. Hospitalization Expenses","page":9,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-2-a-base-covers-2-a-1-hospitalization-expenses"},{"clause":"24","heading":"Cause of Action/ Currency for payments","page":44,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-24-2"}],"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":"thirty days from date of receipt of the policy document","note":"CIS says: \"within 30 days from the beginning of the policy.\" Policy wording prevails.","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":"6","heading":"Free Look Period","page":38,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-6-2"},{"clause":"39(b)(iii)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18294#c-39-b-iii"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"at least 30 days","note":"For instalment premiums, the grace period is 15 days for monthly instalments and 30 days for quarterly, half yearly or annual instalments.","quote":"At the end of the policy period, the policy shall terminate and can be renewed within the Grace Period of at least 30 days to maintain continuity of benefits without break in policy. ... Grace Period of 15 days (where premium is paid on monthly instalments) and 30 days (where premium paid in quarterly / half yearly/ annual instalments) would be given to pay the instalment premium due for the policy.","sources":[{"clause":"10","heading":"Renewal of Policy","page":39,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-10-2"},{"clause":"12","heading":"Premium Payment in Instalments","page":40,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-12-2"}],"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 91 Days for Child and 18 years for Adult. Maximum entry age is No limit; maximum entry age for children is 25 years, after which the child is considered an adult.","display":"Min: 91 Days for Child and 18 years for Adult; Maximum Entry Age: No limit; children: 25 years","note":"From the prospectus.","quote":"Min Entry Age | 91 Days for Child and 18 years for Adult\nMaximum Entry Age | No limit\nMaximum Entry age for children | 25 years, after which the Child will be considered as an Adult","sources":[{"clause":"1","heading":"SAILENT FEATURES OF THE POLICY","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18170#c-1"}],"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":"Instalment Facility | Quarterly, Monthly and Half-yearly ... Grace Period of 15 days (where premium is paid on monthly instalments) and 30 days (where premium paid in quarterly / half yearly/ annual instalments) would be given to pay the instalment premium due for the policy.","sources":[{"clause":"1","heading":"SAILENT FEATURES OF THE POLICY","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18170#c-1"},{"clause":"12","heading":"Premium Payment in Instalments","page":40,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-12-2"}],"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":["Annual Health Check-up","Double Cover","Cumulative Bonus Booster","Consumables Cover","Value Added Services","Wellness Benefit","Air Ambulance Cover","Pre-existing Diseases Waiting Period Modification","Specified disease/ procedure Waiting Period Modification","Smart Select","Room Category Modification","Deductible","Voluntary Co-Payment"],"display":"Annual Health Check-up; Double Cover; Cumulative Bonus Booster; Consumables Cover; Value Added Services; Wellness Benefit; Air Ambulance Cover; Pre-existing Diseases Waiting Period Modification; Specified disease/ procedure Waiting Period Modification; Smart Select; Room Category Modification; Deductible; Voluntary Co-Payment","note":"These covers apply only if opted for and specified in the Policy Schedule.","quote":"2.B Optional Covers 2.B.1 Annual Health Check-up ... 2.B.2 Double Cover ... 2.B.3 Cumulative Bonus Booster ... 2.B.4 Consumables Cover ... 2.B.5 Value Added Services ... 2.B.6 Wellness Benefit ... 2.B.7 Air Ambulance Cover ... 2.B.8 Pre-existing Diseases Waiting Period Modification ... 2.B.9 Specified disease/ procedure Waiting Period Modification ... 2.B.10 Smart Select ... 2.B.11 Room Category Modification ... 2.B.12 Deductible ... 2.B.13 Voluntary Co-Payment","sources":[{"clause":null,"heading":"2.B Optional Covers 2.B.1 Annual Health Check-up","page":15,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-2-b-optional-covers-2-b-1-annual-health-check-up"},{"clause":null,"heading":"2.B.2 Double Cover","page":16,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-2-b-2-double-cover"},{"clause":null,"heading":"2.B.3 Cumulative Bonus Booster","page":16,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-2-b-3-cumulative-bonus-booster"},{"clause":null,"heading":"2.B.4 Consumables Cover","page":17,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-2-b-4-consumables-cover"},{"clause":null,"heading":"2.B.5 Value Added Services","page":17,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-2-b-5-value-added-services"},{"clause":null,"heading":"2.B.6 Wellness Benefit","page":21,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-2-b-6-wellness-benefit"},{"clause":null,"heading":"2.B.7 Air Ambulance Cover","page":22,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-2-b-7-air-ambulance-cover"},{"clause":null,"heading":"2.B.8 Pre-existing Diseases Waiting Period Modification","page":23,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-2-b-8-pre-existing-diseases-waiting-period-modif"},{"clause":null,"heading":"2.B.9 Specified disease/ procedure Waiting Period Modification","page":23,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-2-b-9-specified-disease-procedure-waiting-period"},{"clause":null,"heading":"2.B.10 Smart Select","page":23,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-2-b-10-smart-select"},{"clause":null,"heading":"2.B.11 Room Category Modification","page":24,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-2-b-11-room-category-modification"},{"clause":null,"heading":"2.B.12 Deductible","page":24,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-2-b-12-deductible"},{"clause":null,"heading":"2.B.13 Voluntary Co-Payment","page":25,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-2-b-13-voluntary-co-payment"}],"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 for the grace period also.","display":"Renewal grace: no coverage; instalment premium grace: coverage available","note":null,"quote":"Coverage is not available during the grace period. ... If the premium is paid in instalments during the policy period, coverage will be available for the grace period also","sources":[{"clause":"10","heading":"Renewal of Policy","page":39,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-10-2"},{"clause":"12","heading":"Premium Payment in Instalments","page":40,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425/document/18412#c-12-2"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for the hospital room, or the room category allowed. If you take a costlier room, other bills can be cut in proportion.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"room_category","label":"Room category allowed","section":"Limits and co-pay","meaning":"Shared room, single private room or any room, by plan, when the limit is a room type rather than a rupee amount.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"icu_limit","label":"ICU limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for intensive care.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"proportionate_deduction","label":"Proportionate deduction","section":"Limits and co-pay","meaning":"If you choose a room above your limit, whether the insurer reduces associated charges (doctor fees, tests, procedures) by the same proportion.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"copay","label":"Co-payment","section":"Limits and co-pay","meaning":"The share of every admissible claim you pay yourself, and when it applies (age, zone, choice of hospital).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"An amount of each claim or each year that you bear before the policy pays.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"disease_sublimits","label":"Disease or procedure sub-limits","section":"Limits and co-pay","meaning":"Caps on what is paid for named treatments (cataract, knee replacement...), even if the sum insured is higher.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"pre_hospitalisation","label":"Pre-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days before admission that are paid if related to the hospitalisation.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"post_hospitalisation","label":"Post-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days after discharge that are paid if related to the hospitalisation.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"day_care","label":"Day-care treatments","section":"Cover","meaning":"Treatments needing less than 24 hours in hospital (chemotherapy, dialysis, cataract) and whether all or only listed ones are covered.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"domiciliary","label":"Treatment at home","section":"Cover","meaning":"Whether treatment at home is covered when hospital admission is not possible or a doctor advises it.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"ayush","label":"AYUSH treatment","section":"Cover","meaning":"Ayurveda, Yoga, Unani, Siddha and Homeopathy treatment in a recognised hospital, and any limit.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 1","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 2","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 1","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II A.I(1)","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"modern_treatments","label":"Modern treatments","section":"Cover","meaning":"Robotic surgery, immunotherapy, oral chemotherapy, stem cell therapy and the like, and any cap on them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 2","url":"https://indiainsurances.com/law/irdai-health-mc-2024"}]},{"key":"organ_donor","label":"Organ donor expenses","section":"Cover","meaning":"Whether the donor's hospital costs for an organ transplant are paid.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"ambulance","label":"Ambulance cover","section":"Cover","meaning":"Road (and air) ambulance cover and its limit.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"restoration","label":"Restoration of sum insured","section":"Cover","meaning":"Whether the sum insured is refilled after it is used up in a year, how much, how often, and whether it works for the same illness.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"no_claim_bonus","label":"No-claim or cumulative bonus","section":"Cover","meaning":"How much the cover grows each year, the maximum, whether it depends on not claiming, and what happens after a claim.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"consumables","label":"Consumables and non-medical items","section":"Cover","meaning":"Gloves, PPE, syringes and other items hospitals bill that standard policies exclude; whether this policy pays them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Whether childbirth costs are covered, the limit and the waiting period.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"newborn","label":"Newborn baby cover","section":"Cover","meaning":"Whether a newborn is covered from birth and for what.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"mental_illness","label":"Mental illness","section":"Cover","meaning":"Cover for in-patient treatment of mental illness.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health 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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. 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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":"LiveWise (UIN ZUKHLIP25037V022425), IndiaInsurances, https://indiainsurances.com/policy/zurich-kotak-general-insurance/livewise-zukhlip25037v022425"}