{"uin":"ZUKHLIP25038V012425","name":"Health 360","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425","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":"Health 360 is an indemnity health policy with Silver, Gold, Platinum and Diamond plan variants and individual or family floater options. It has a 30 day initial waiting period, 36 month pre-existing disease waiting period, unlimited restoration in Silver, Gold and Platinum plans, and optional covers such as Global Cover, maternity, deductible and voluntary co-pay.","analysis":{"state":"machine","analysed_at":"2026-10-19 22:58:19.023074+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":["Silver","Gold","Platinum","Diamond"],"display":"Silver, Gold, Platinum, Diamond","note":null,"quote":"Sr No | Cover Sr No | Silver | Gold | Platinum | Diamond\nBase Sum Insured | 5 lacs/ 7.5 lacs/ 10 lacs | 10 lacs/ 15 lacs/ 20 lacs/ 25 lacs | 50 lacs/ 100 lacs/ 200 lacs/ 500 lacs | Unlimited Sum Insured","sources":[{"clause":null,"heading":"Health 360","page":61,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18421#c-health-360-2"}],"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":null,"quote":"Policy Period | 1/2/3 years","sources":[{"clause":null,"heading":"Eligibility","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18421#c-eligibility"}],"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 cashless planned hospitalisation, contact the insurer or TPA at least 48 hours before admission. For cashless emergency care contact within 24 hours of commencement of hospitalisation, and for reimbursement give written notice within 30 days of discharge.","display":"Planned cashless: at least 48 hours before; emergency cashless: within 24 hours; 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. ... 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":null,"heading":"5.1 For Cashless Facility","page":16,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-5-1-for-cashless-facility"},{"clause":"29(a)(vi)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-29-a-vi"},{"clause":null,"heading":"5.2 For Reimbursement Claims","page":16,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#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","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"],"display":"Claim form, discharge summary, consultation papers, original bills and receipts, chemist bills, investigation reports, indoor papers, implant sticker, ambulance invoice, FIR/MLC, post mortem report and KYC documents","note":"The insurer may ask for other documents required to investigate the claim; additional documents apply for cashless, personal accident and critical illness claims.","quote":"a) Duly completed Claim form signed by You and the Medical Practitioner (only for reimbursement claims);\nb) Hospital discharge summary;\nc) First consultation and follow up treatment papers;\nd) Original bills and receipts from the Hospital/Medical Practitioner;\ne) Original bills from chemists supported by proper prescription;\nf) Original investigation test reports (including CT/MR/USG/ECG, as applicable) and payment receipts;\ng) Indoor case papers, if available;\nh) Implant Invoice/ Sticker, if available;\ni) Ambulance Invoice, if applicable;\nj) FIR (if done) or MLC (if conducted) for Accident cases ;\nk) Post mortem report (if conducted);\nl) KYC documents viz. Photo ID and address proof along with duly completed form.","sources":[{"clause":null,"heading":"6. CLAIM DOCUMENTS","page":17,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-6-claim-documents"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The company shall settle or reject a claim within 15 days from receipt of the claim along with the claim form and necessary documents. Reimbursement TAT is also stated as within 15 days from receipt of claim with claim form and necessary documents.","display":"Within 15 days from receipt of claim with claim form and necessary documents","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)","sources":[{"clause":"17(I)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-17-i"}],"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: treatment excluded until 36 months","30 Day Waiting Period for illness, except accident claims","Specified disease/ procedure waiting period: 24 months","Maternity Benefit Waiting Period: 24 months","Investigation & Evaluation","Rest Cure, rehabilitation and respite care","Obesity/ Weight Control","Change-of- Gender treatments","Cosmetic or plastic Surgery","Hazardous or Adventure sports","Breach of law","Excluded Providers","Alcoholism, drug or substance abuse or any addictive condition","Sterility and Infertility","Any treatment taken outside India unless specifically opted for"],"display":"Waiting-period exclusions plus permanent exclusions including investigation/evaluation, rest cure, obesity/weight control, change of gender, cosmetic surgery, hazardous sports, breach of law, excluded providers, alcohol/drug abuse, sterility/infertility and treatment outside India unless opted","note":null,"quote":"Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months ... Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident ... Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 24 months ... Any treatment arising from or traceable to pregnancy, childbirth including caesarean section will not be covered until 24 months ... Excl04 Investigation & Evaluation (Code- Excl04) ... Rest Cure, rehabilitation and respite care (Code – Excl05) ... Obesity/ Weight Control (Code – Excl06) ... Excl07 Change-of- Gender treatments (Code – Excl07) ... Excl08 Cosmetic or plastic Surgery (Code – Excl08) ... Excl09 Hazardous or Adventure sports: (Code- Excl09) ... Excl10 Breach of law (Code – Excl10) ... Excl11 Excluded Providers: (Code- Excl11) ... Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof ... Expenses related to sterility and infertility. ... Any treatment taken outside India unless specifically opted for","sources":[{"clause":"Excl01","heading":"Pre-Existing Diseases (Code – Excl01)","page":14,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-excl01"},{"clause":"Excl03","heading":"30 Day Waiting Period (Code – Excl03)","page":14,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-excl03"},{"clause":"Excl02(a)","heading":null,"page":32,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18421#c-excl02-a"},{"clause":null,"heading":"3.4 Maternity Benefit Waiting Period","page":33,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18421#c-3-4-maternity-benefit-waiting-period"},{"clause":"Excl04","heading":"Investigation & Evaluation (Code- Excl04)","page":14,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-excl04"},{"clause":null,"heading":"Rest Cure, rehabilitation and respite care (Code – Excl05)","page":14,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-rest-cure-rehabilitation-and-respite-care-code-e"},{"clause":null,"heading":"Obesity/ Weight Control (Code – Excl06)","page":15,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-obesity-weight-control-code-excl06"},{"clause":"Excl07","heading":"Change-of- Gender treatments (Code – Excl07)","page":15,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-excl07"},{"clause":"Excl08","heading":"Cosmetic or plastic Surgery (Code – Excl08)","page":15,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-excl08"},{"clause":"Excl09","heading":"Hazardous or Adventure sports: (Code- Excl09)","page":15,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-excl09"},{"clause":"Excl10","heading":"Breach of law (Code – Excl10)","page":15,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-excl10"},{"clause":"Excl11","heading":"Excluded Providers: (Code- Excl11)","page":15,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-excl11"},{"clause":"Excl12","heading":"Code- Excl12","page":15,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-excl12"},{"clause":null,"heading":"Sterility and Infertility (Code- Excl17)","page":15,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-sterility-and-infertility-code-excl17"},{"clause":"27","heading":"Any treatment taken outside India unless specifically opted for","page":15,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-27"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact the company through its website, toll free number, email, courier address or a branch grievance cell. If not satisfied, contact the grievance officer at grievanceofficer@zurichkotak.com before approaching the Insurance Ombudsman.","display":"Company website/toll-free/email/courier/branch first; then grievanceofficer@zurichkotak.com","note":"The CIS gives a different toll-free number, but the policy wording is cited.","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":null,"heading":"Redressal of Grievance","page":22,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-redressal-of-grievance"}],"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, 20 lac, 25 lac, 50 lac, 100 lac, 200 lac, 500 lac, Unlimited Sum Insured","display":"5 lac, 7.5 lac, 10 lac, 15 lac, 20 lac, 25 lac, 50 lac, 100 lac, 200 lac, 500 lac, Unlimited Sum Insured","note":null,"quote":"Sum Insured | 5 lac, 7.5 lac, 10 lac, 15 lac, 20 lac, 25 lac, 50 lac, 100 lac, 200 lac, 500 lac, Unlimited Sum Insured","sources":[{"clause":null,"heading":"Eligibility","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18421#c-eligibility"}],"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 to accident claims.","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":"Excl03","heading":"30 Day Waiting Period (Code – Excl03)","page":14,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-excl03"}],"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":"Optional Pre-existing Diseases Waiting Period Modification can reduce it to the period stated 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 as mentioned in the Policy Schedule) of continuous coverage after the date of inception of the first policy with insurer.","sources":[{"clause":"Excl01","heading":"Pre-Existing Diseases (Code – Excl01)","page":14,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-excl01"}],"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 can reduce it to 12 months.","quote":"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) of continuous coverage after the date of inception of the first policy with us.","sources":[{"clause":"Excl02(a)","heading":null,"page":32,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18421#c-excl02-a"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"quote-verified","value":["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","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 and spinal disorders, benign ENT, nasal septum/sinusitis, BPH, cataract, D&C, fissure/fistula/piles/ulcers, genito-urinary surgery, hernia/hydrocele, hysterectomy, tumours/cysts/polyps, stones/lithotripsy, myomectomy, varicose veins/ulcers and Parkinson's/Alzheimer's/dementia","note":null,"quote":"1. 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":"Excl02(f)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18421#c-excl02-f"}],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"quote-verified","value":{"unit":"months","amount":60},"display":"sixty continuous months","note":"For enhanced sums insured, 60 continuous months runs from the date of enhancement for the enhanced limits.","quote":"After completion of sixty continuous months of coverage (including portability and migration) under the policy no look back to be applied. This period of sixty months is called as moratorium period.","sources":[{"clause":"14","heading":"Moratorium Period","page":21,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#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 at least 30 days before, but not earlier than 60 days from, the renewal date. If continuously covered without lapses, accrued continuity benefits in waiting periods are carried as per IRDAI portability guidelines.","display":"Allowed; apply at least 30 days before and not earlier than 60 days from renewal, with waiting-period continuity benefits","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":21,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#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":null,"quote":"Exit Age / Renewal | The Policy provides for life-long renewal","sources":[{"clause":null,"heading":"Eligibility","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18421#c-eligibility"}],"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 shall apply on renewals based on individual claims experience.","display":"No loading on renewals based on individual claims experience","note":"The policy may still have underwriting loadings based on proposal declarations and health status.","quote":"No loading shall apply on renewals based on individual claims experience.","sources":[{"clause":"10","heading":"Renewal of Policy","page":21,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#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)","routine medical, eye or ear examinations preventive health check-ups","prosthesis, corrective devices, external durable medical equipment","personal comfort, erectile dysfunction, cosmetics, convenience and hygiene related items","dental treatment unless necessitated due to an Accident","Non-Allopathic Treatment (other than AYUSH)","Circumcision unless necessary for treatment of an Illness or necessitated due to an Accident","preventive care, Vaccination including Inoculation and Immunizations","Intentional self-injury","external Congenital Anomaly","sleep disorder or sleep apnoea syndrome","treatment taken outside India unless specifically opted for","Any OPD treatment"],"display":"Excl04 to Excl18 and product exclusions such as routine check-ups, external devices, personal comfort items, dental treatment, non-AYUSH non-allopathic treatment, circumcision, vaccination, self-injury, external congenital anomaly, sleep disorder, outside-India treatment unless opted and OPD treatment","note":"Several optional covers delete or modify specific exclusions only to the extent of that optional cover.","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) ... Rest Cure, rehabilitation and respite care (Code – Excl05) ... Obesity/ Weight Control (Code – Excl06) ... Excl07 Change-of- Gender treatments (Code – Excl07) ... Excl08 Cosmetic or plastic Surgery (Code – Excl08) ... Excl09 Hazardous or Adventure sports: (Code- Excl09) ... Excl10 Breach of law (Code – Excl10) ... Excl11 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) ... Excl18 Maternity (Code- Excl18) ... Costs of routine medical, eye or ear examinations preventive health check-ups ... Any expenses incurred on prosthesis, corrective devices, external durable medical equipment ... Any expenses incurred on personal comfort, erectile dysfunction, cosmetics, convenience and hygiene related items ... Expenses incurred on all dental treatment unless necessitated due to an Accident ... Non-Allopathic Treatment (other than AYUSH) ... Circumcision unless necessary for treatment of an Illness or necessitated due to an Accident; ... All preventive care (except eligible and entitled for Benefit: 'Annual Health Check-up'), Vaccination including Inoculation and Immunizations ... Intentional self-injury (whether arising from an attempt to commit ... external Congenital Page 15; Health 360; UIN: ZUKHLIP25038V012425; Policy Wording Anomaly ... Any treatment related to sleep disorder or sleep apnoea syndrome ... Any treatment taken outside India unless specifically opted for ... Any OPD treatment","sources":[{"clause":null,"heading":"3.5 Permanent Exclusions","page":14,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-3-5-permanent-exclusions"},{"clause":"Excl04","heading":"Investigation & Evaluation (Code- Excl04)","page":14,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-excl04"},{"clause":null,"heading":"Rest Cure, rehabilitation and respite care (Code – Excl05)","page":14,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-rest-cure-rehabilitation-and-respite-care-code-e"},{"clause":null,"heading":"Obesity/ Weight Control (Code – Excl06)","page":15,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-obesity-weight-control-code-excl06"},{"clause":"Excl07","heading":"Change-of- Gender treatments (Code – Excl07)","page":15,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-excl07"},{"clause":"Excl08","heading":"Cosmetic or plastic Surgery (Code – Excl08)","page":15,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-excl08"},{"clause":"Excl09","heading":"Hazardous or Adventure sports: (Code- Excl09)","page":15,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-excl09"},{"clause":"Excl10","heading":"Breach of law (Code – Excl10)","page":15,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-excl10"},{"clause":"Excl11","heading":"Excluded Providers: (Code- Excl11)","page":15,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-excl11"},{"clause":"Excl12","heading":"Code- Excl12","page":15,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-excl12"},{"clause":"Excl13","heading":"Code- Excl13","page":15,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-excl13"},{"clause":"Excl14","heading":"Code- Excl14","page":15,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-excl14"},{"clause":null,"heading":"Refractive Error (Code- Excl15)","page":15,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-refractive-error-code-excl15"},{"clause":null,"heading":"Unproven Treatments (Code – Excl16)","page":15,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-unproven-treatments-code-excl16"},{"clause":null,"heading":"Sterility and Infertility (Code- Excl17)","page":15,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-sterility-and-infertility-code-excl17"},{"clause":"Excl18","heading":"Maternity (Code- Excl18)","page":15,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-excl18"},{"clause":"Excl18(ii)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-excl18-ii"},{"clause":"23","heading":"Intentional self-injury (whether arising from an attempt to commit","page":15,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-23"},{"clause":"24","heading":null,"page":15,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-24"},{"clause":"25","heading":null,"page":15,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-25"},{"clause":"27","heading":"Any treatment taken outside India unless specifically opted for","page":15,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-27"},{"clause":"29","heading":"Any consequential or indirect loss arising out of or related to","page":15,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-29"}],"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 by giving 7 days' written notice. For a 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 a started policy year is refunded pro-rata if no claim was made, after stated medical examination deductions where applicable.","display":"7 days' notice; proportionate refund for unexpired period if no claim, with multi-year future years refunded in full","note":"Medical examination expenses are also deducted before refund where the risk or part of the insurance coverage has commenced.","quote":"The Policyholder may cancel his/her policy at any time during the term, by giving 7 days notice in writing. The Insurer shall –\n1. For 1 year Policy- Refund proportionate premium for unexpired policy period subject to no claim(s) were made during the policy period.\n2. 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":"7(a)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#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":"Base cover is for claims where the cause of action arises in India. Treatment outside India is excluded unless specifically opted for, and the optional Global Cover can cover medical expenses outside India.","display":"India, unless Global Cover or another specific provision applies","note":"Global Cover is optional and not applicable for Silver and Gold plans.","quote":"No Claims shall be payable under this Policy unless the cause of action arises in India, unless otherwise specifically provided in Policy. ... Any treatment taken outside India unless specifically opted for ... By Opting for this cover, if Insured is hospitalized on the advice of a Medical Practitioner because of Illness or Accidental Bodily Injury sustained or contracted during the Policy Period, then We will indemnify You against Reasonable and Customary Medical Expenses incurred outside India","sources":[{"clause":"24","heading":"Cause of Action/ Currency for payments","page":23,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-24-2"},{"clause":"27","heading":"Any treatment taken outside India unless specifically opted for","page":15,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-27"},{"clause":null,"heading":"II. Optional Covers 1. Global Cover (Not Applicable for Silver and Gold Plan)","page":9,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-ii-optional-covers-1-global-cover-not-applicable"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"thirty days","note":"Applies to new individual health insurance policies, not renewals or porting/migration.","quote":"The 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":"Part III","heading":null,"page":20,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-part-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":"atleast 30 days for renewal","note":"For instalment premiums, the grace period is 15 days for monthly instalments and 30 days for quarterly, half yearly or annual instalments.","quote":"At the end of the policy period, the policy shall terminate and can be renewed within the Grace Period of atleast 30 days to maintain continuity of benefits without break in policy. ... Grace Period of 15 days (where premium is paid on monthly instalments) and 30 days (where premium paid in quarterly / half yearly/ annual instalments) would be given to pay the instalment premium due for the policy.","sources":[{"clause":"10","heading":"Renewal of Policy","page":21,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-10-2"},{"clause":"12","heading":"Premium Payment in Instalments","page":21,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#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 Age Limit.","display":"Minimum: 91 Days for Child and 18 years for Adult; maximum: No Age Limit","note":"Maximum entry age for children in floater is 25 years, after which the child is considered an adult.","quote":"Minimum Entry Age: | 91 Days for Child and 18 years for Adult\nMaximum Entry Age: | No Age Limit","sources":[{"clause":null,"heading":"Eligibility","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18421#c-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":["Monthly","Quarterly","Half Yearly","Annual"],"display":"Monthly, Quarterly, Half Yearly, Annual","note":null,"quote":"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":"12","heading":"Premium Payment in Instalments","page":21,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#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":["Global Cover","Cumulative Bonus Booster","Double Cover","Cash Bag","Step Up Benefit","One Plus Benefit","Convalescence Benefit","Home Nursing Benefit","Hospital Daily Cash","Daily Cash for Accompanying an Insured Child","Compassionate Visit","Essential Equipment Cover","Maternity Benefit","Critical Illness Cover","Personal Accident Cover","Pre-existing Diseases Waiting Period Modification","Specified Disease/ procedure Waiting Period Modification","Smart Select","Cap on Room Rent","Room Category Modification","Deductible","Voluntary Co-pay"],"display":"Global Cover, Cumulative Bonus Booster, Double Cover, Cash Bag, Step Up Benefit, One Plus Benefit, Convalescence Benefit, Home Nursing Benefit, Hospital Daily Cash, Daily Cash for Accompanying an Insured Child, Compassionate Visit, Essential Equipment Cover, Maternity Benefit, Critical Illness Cover, Personal Accident Cover, waiting-period modifications, Smart Select, Cap on Room Rent, Room Category Modification, Deductible and Voluntary Co-pay","note":null,"quote":"22 | 1 | Global Cover ... 23 | 2 | Cumulative Bonus Booster ... 24 | 3 | Double Cover ... 25 | 4 | Cash Bag ... 26 | 5 | Step up Benefit ... 27 | 6 | One Plus Benefit ... 28 | 7 | Convalescence Benefit ... 29 | 8 | Home Nursing Benefit ... 30 | 9 | Hospital Daily Cash ... 31 | 10 | Daily Cash for Accompanying an Insured Child ... 32 | 11 | Compassionate Visit ... 33 | 12 | Essential Equipment Cover ... 34 | 13 | Maternity Benefit i) Maternity Expenses ii) New Born Baby Cover iii) Vaccination Cover ... 35 | 14 | Critical Illness Cover ... 35 | 15 | Personal Accident Cover ... 36 | 16 | Pre-existing Diseases Waiting Period Modification ... 37 | 17 | Specified Disease/ procedure Waiting Period Modification ... 38 | 18 | Smart Select ... 39 | 19 | Cap on Room Rent ... 40 | 20 | Room Category Modification ... 41 | 21 | Deductible ... 42 | 22 | Voluntary Co-pay","sources":[{"clause":null,"heading":"B. Optional Covers","page":62,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18421#c-b-optional-covers"},{"clause":null,"heading":"Loading / Discount (Optional covers)","page":64,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18421#c-loading-discount-optional-covers"}],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"quote-verified","value":"Coverage is not available during the renewal grace period. If premium is paid in instalments during the policy period, coverage will be available for the grace period.","display":"Renewal grace: no coverage; instalment grace: coverage available","note":null,"quote":"Coverage is not available during the grace period. ... If the premium is paid in instalments during the policy period, coverage will be available for the grace period also","sources":[{"clause":"10","heading":"Renewal of Policy","page":21,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-10-2"},{"clause":"12","heading":"Premium Payment in Instalments","page":21,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#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":"quote-verified","value":"The eligible room rent or room category is “No limit” or as opted and specified in the Policy Schedule, subject to the sum insured. Optional Cap on Room Rent is available only for Silver plan 5 lacs base sum insured.","display":"No limit, or as opted/specified; optional Silver 5 lacs cap","note":"Optional cap in the benefit table is 1% of base sum insured for Non ICU and 2% of base sum insured for ICU for Silver 5 lacs.","quote":"The eligible Room rent or Room category coverage under the Policy is “No limit” or as opted for and specified in the Policy Schedule, subject to maximum of Sum Insured opted. ... This Cover is only applicable only for Silver plan for 5 lacs Base Sum Insured","sources":[{"clause":"11(iii)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-11-iii"},{"clause":null,"heading":"19. Cap on Room Rent","page":13,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-19-cap-on-room-rent"}],"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":"quote-verified","value":"Base room category is no limit or as opted and specified in the policy schedule. Optional room category modification can restrict the room category to Shared Room or Single Private AC Room.","display":"No limit/as opted; optional Shared Room or Single Private AC Room","note":"Shared Room and Single Private AC Room restrictions apply only if the optional Room Category Modification cover is opted.","quote":"The eligible Room rent or Room category coverage under the Policy is “No limit” or as opted for and specified in the Policy Schedule, subject to maximum of Sum Insured opted. ... In case, this Cover is opted, We will restrict the Room category coverage up to 'Shared Room' subject to maximum of Total Sum Insured ... In case, this Cover is opted, We will restrict the Room category coverage up to 'Single Private AC Room' subject to maximum of Total Sum Insured under the Policy.","sources":[{"clause":"11(iii)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-11-iii"},{"clause":null,"heading":"20.I Shared Room Cover","page":13,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-20-i-shared-room-cover"},{"clause":null,"heading":"20.ii Single Private Room Cover","page":13,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-20-ii-single-private-room-cover"}],"law":[]},{"key":"icu_limit","label":"ICU limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for intensive care.","status":"quote-verified","value":"For ICU accommodation, the policy covers up to the sum insured opted or as specified in the Policy Schedule.","display":"Up to Sum Insured opted or as specified in the Policy Schedule","note":null,"quote":"For ICU accommodation, we will cover up to Sum Insured opted or as specified in the Policy Schedule.","sources":[{"clause":"11(iii)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-11-iii"}],"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":"quote-verified","value":"If room rent is higher than the eligible room rent, the insurer pays only a rateable proportion of associated medical expenses. Proportionate deductions do not apply to ICU charges, hospitals without differential billing, or expenses without differential billing based on room category.","display":"Yes, for Associated Medical Expenses when room rent is above the eligible room rent; not for ICU Charges","note":"The clause also states medicines/pharmacy, medical consumables, medical implants and diagnostic costs are reimbursed based on actual amounts incurred.","quote":"if the Insured Person incurs Room Rent that is higher than the eligible Room Rent as specified in the Policy Schedule then We will be liable to pay only a rateable proportion of the Associated Medical Expenses incurred in the proportion of the difference between the eligible Room Rent and the Room Rent actually incurred ... Proportionate deductions will not be applied in respect of the hospitals which do not follow differential billing or for those expenses in respect of which differential billing is not adopted based on the room category. Further, proportionate deductions will not be applied in respect of ICU Charges.","sources":[{"clause":null,"heading":"19. Cap on Room Rent","page":13,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-19-cap-on-room-rent"}],"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":"quote-verified","value":"There is zone-based co-payment for treatment in a higher zone: Zone II in Zone I is 10%, Zone III in Zone I is 20%, and Zone III in Zone II is 10%. Optional Smart Select can add 20% co-payment outside listed hospitals, and optional Voluntary Co-pay can add the percentage specified in the schedule.","display":"Zone co-pay: 10% or 20% for higher-zone treatment; optional Smart Select 20%; optional voluntary co-pay as specified","note":"Zone co-payments do not apply for hospitalisation due to an accident; Smart Select and Voluntary Co-pay are optional.","quote":"In case of treatment taken in a city, in a Zone higher than the eligible Zone for the Insured Person, the Co-payment percentages as below shall apply:\nApplicable Zone | Treatment Taken at | Co-payment applicable ... Zone II | Zone I | 10% ... Zone III | Zone I | 20% ... Zone III | Zone II | 10% ... If the Insured Person takes the Medical Treatment in hospitals other than those listed in Annexure IV to the Policy wordings ... then the Policyholder/Insured Person shall bear a co-payment of 20% on each and every Claim ... If this Optional Benefit is opted, then the Insured Person will have an option to bear a Co-payment, as specified in the Policy Schedule","sources":[{"clause":"22","heading":"Zone Classification","page":22,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-22-2"},{"clause":null,"heading":"Smart Select","page":13,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-smart-select"},{"clause":"22","heading":"Voluntary Co-pay","page":14,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-22"}],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"An amount of each claim or each year that you bear before the policy pays.","status":"quote-verified","value":"No deductible applies unless a deductible is selected. If selected, it applies for each policy year on the aggregate of all claims in that policy year; options differ by plan.","display":"None unless opted; aggregate deductible per policy year","note":"Silver options are INR 25k/50k/1 Lakh/2 Lakh; Gold adds 5 Lakh; Platinum and Diamond add 10 Lakh.","quote":"You can opt for a Deductible in the Policy which will be specified in the Policy Schedule. Wherever a Deductible is selected such amount will be applied for each Policy Year on the aggregate of all Claims in that Policy Year. ... A deductible of INR 25k/ 50k/ 1 Lakh/ 2 Lakh for each Policy Year on the aggregate of all Claims in that Policy Year ... A deductible of INR 25k/ 50k/ 1 Lakh/ 2 Lakh / 5 Lakh for each Policy Year on the aggregate of all Claims in that Policy Year ... A deductible of INR 25k/ 50k/ 1 Lakh/ 2 Lakh / 5 Lakh/ 10 Lakh for each Policy Year on the aggregate of all Claims in that Policy Year","sources":[{"clause":null,"heading":"Deductible","page":14,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-deductible"},{"clause":null,"heading":"Loading / Discount (Optional covers)","page":64,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18421#c-loading-discount-optional-covers"}],"law":[]},{"key":"disease_sublimits","label":"Disease or procedure sub-limits","section":"Limits and co-pay","meaning":"Caps on what is paid for named treatments (cataract, knee replacement...), even if the sum insured is higher.","status":"quote-verified","value":["Modern Treatment: Silver 50% of Sum Insured up to 5 lacs; Gold 50% of Sum Insured up to 10 lacs; Platinum 50 lacs - 200 lacs up to 25 lacs and 500 lacs up to 50 lacs; Diamond up to 50 lacs","Bariatric surgery: Silver up to 5 lac per policy year; Gold, Platinum and Diamond up to 10 lac per policy year"],"display":"Modern Treatment and Bariatric surgery have plan-specific caps","note":null,"quote":"Modern Treatment | 50% of Sum Insured up to 5 lacs | 50% of Sum Insured up to 10 lacs | Sum Insured 50 lacs - 200 lacs – up to 25 lacs Sum Insured 500 lacs – up to 50 lacs | up to 50 lacs ... Bariatric surgery | up to 5 lac per policy year | up to 10 lac per policy year | up to 10 lac per policy year | up to 10 lac per policy year","sources":[{"clause":"Row 3","heading":"3","page":61,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18421#c-row-3"},{"clause":"Row 11","heading":"11","page":61,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18421#c-row-11"}],"law":[]},{"key":"pre_hospitalisation","label":"Pre-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days before admission that are paid if related to the hospitalisation.","status":"quote-verified","value":{"unit":"days","amount":60},"display":"60 days","note":"Silver: 60 days; Gold, Platinum and Diamond: 90 days.","quote":"Pre-Hospitalization Medical Expenses | 60 days | 90 days | 90 days | 90 days","sources":[{"clause":"Row 4","heading":"4","page":61,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18421#c-row-4"}],"law":[]},{"key":"post_hospitalisation","label":"Post-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days after discharge that are paid if related to the hospitalisation.","status":"quote-verified","value":{"unit":"days","amount":90},"display":"90 days","note":"Silver: 90 days; Gold, Platinum and Diamond: 180 days.","quote":"Post-Hospitalization Medical Expenses | 90 days | 180 days | 180 days | 180 days","sources":[{"clause":"Row 5","heading":"5","page":61,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18421#c-row-5"}],"law":[]},{"key":"day_care","label":"Day-care treatments","section":"Cover","meaning":"Treatments needing less than 24 hours in hospital (chemotherapy, dialysis, cataract) and whether all or only listed ones are covered.","status":"quote-verified","value":"All Day-care Surgeries & Procedures are covered. OPD treatment is not covered under this benefit.","display":"All Day-care Surgeries & Procedures; OPD not covered under this benefit","note":null,"quote":"Day Care Treatment | All Day-care Surgeries & Procedures | All Day-care Surgeries & Procedures | All Day-care Surgeries & Procedures | All Day-care Surgeries & Procedures ... We will not cover any OPD Treatment under this Benefit.","sources":[{"clause":"Row 2","heading":"2","page":61,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18421#c-row-2"},{"clause":"2","heading":"Day Care Treatment","page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-2"}],"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":"quote-verified","value":"Domiciliary hospitalisation is covered when treatment at home would otherwise have required hospitalisation, or the insured person's condition did not allow hospital transfer or a hospital bed was unavailable. It must be medically necessary, on written medical advice, and extend for at least 3 consecutive days.","display":"Covered up to Sum Insured/Covered, if home treatment would otherwise require hospitalisation and lasts at least 3 consecutive days","note":"The table states Silver, Gold and Platinum up to Sum Insured and Diamond Covered.","quote":"We will cover medical expenses of an Insured person for treatment of a disease, Illness or Injury taken at home which would otherwise have required hospitalisation or since the Insured person's condition did not allow a hospital transfer or a hospital bed was unavailable. ... The Insured Person's Domiciliary Hospitalisation extends for at least 3 consecutive days in which case We will pay Medical Expenses from the first day of Domiciliary Hospitalisation","sources":[{"clause":null,"heading":"Domiciliary Hospitalisation","page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-domiciliary-hospitalisation"}],"law":[]},{"key":"ayush","label":"AYUSH treatment","section":"Cover","meaning":"Ayurveda, Yoga, Unani, Siddha and Homeopathy treatment in a recognised hospital, and any limit.","status":"quote-verified","value":"AYUSH treatment is covered when administered by a licensed medical practitioner and the insured person is admitted to an AYUSH Hospital for inpatient treatment or day care treatment.","display":"Covered up to Sum Insured/Covered for AYUSH inpatient or day care treatment","note":null,"quote":"We will indemnify the Medical Expenses incurred on the Insured Person's AYUSH Treatment during the Policy Period following an Illness or Injury that occurs during the Policy Period, provided that:\na) The AYUSH Treatment is administered by a Medical Practitioner; who holds a valid practicing license in respect of such AYUSH Treatments;\nb) The Insured Person is admitted to AYUSH Hospital for Inpatient Treatment or Day Care Treatment ... AYUSH Treatment | Up to Sum Insured | Upto Sum Insured | Upto Sum Insured | Covered","sources":[{"clause":"6","heading":"AYUSH Treatment","page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-6"},{"clause":"Row 6","heading":"6","page":61,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18421#c-row-6"}],"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":"quote-verified","value":"Modern treatments listed in the policy are covered as inpatient or day care treatment, including oral chemotherapy, immunotherapy, robotic surgeries and hematopoietic stem cell therapy for bone marrow transplant for haematological conditions. Limits vary by plan.","display":"Covered for listed advanced technology methods; caps vary from 50% of SI up to 5 lacs to up to 50 lacs","note":"The full policy list also includes Uterine Artery Embolization and HIFU, Balloon Sinuplasty, Deep Brain stimulation, Intra vitreal injections, Stereotactic radio surgeries, Bronchial Thermoplasty, Vaporisation of the prostrate and IONM.","quote":"We will indemnify the Medical Expenses incurred on the following advance technology methods (wherever medically indicated) either as In-patient or as part of Day Care Treatment in a Hospital during the Policy Period upto the limit specified in policy schedule: ... iv) Oral chemotherapy\nv) Immunotherapy- Monoclonal Antibody to be given as injection ... vii) Robotic surgeries ... xii) Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered. ... Modern Treatment | 50% of Sum Insured up to 5 lacs | 50% of Sum Insured up to 10 lacs | Sum Insured 50 lacs - 200 lacs – up to 25 lacs Sum Insured 500 lacs – up to 50 lacs | up to 50 lacs","sources":[{"clause":null,"heading":"Modern Treatment","page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-modern-treatment"},{"clause":"Row 3","heading":"3","page":61,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18421#c-row-3"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 2","url":"https://indiainsurances.com/law/irdai-health-mc-2024"}]},{"key":"organ_donor","label":"Organ donor expenses","section":"Cover","meaning":"Whether the donor's hospital costs for an organ transplant are paid.","status":"quote-verified","value":"The policy covers inpatient hospitalisation medical expenses towards the donor for harvesting the organ when the insured person's inpatient claim is accepted and the organ is for the insured person's transplant.","display":"Covered for donor inpatient hospitalisation expenses for organ harvesting","note":"Pre- and post-hospitalisation expenses, acquisition costs and donor complications are not covered for the donor.","quote":"We will indemnify the In-patient Hospitalisation Medical Expenses towards the donor for harvesting the organ provided that:\na) We have accepted a Claim for In-patient Treatment under the Policy in respect of the Insured Person;\nb) The organ donor is any person in accordance with the Transplantation of Human Organs Act 1994 (amended) and other applicable laws and rules;\nc) The organ donated is for the use of the Insured Person who has been asked to undergo an organ transplant on Medical Advise;","sources":[{"clause":"8","heading":"Organ Donor Cover","page":6,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-8"}],"law":[]},{"key":"ambulance","label":"Ambulance cover","section":"Cover","meaning":"Road (and air) ambulance cover and its limit.","status":"quote-verified","value":"Road ambulance and air ambulance are covered subject to plan limits. Road ambulance is up to INR 20000 per event for Silver and Gold, up to Sum Insured for Platinum, and Covered for Diamond; air ambulance is up to 2.5 lac, 5 lac, 10 lac and 10 lac respectively.","display":"Road: up to INR 20000 per event / up to Sum Insured / Covered; Air: up to 2.5 lac, 5 lac or 10 lac","note":"Road ambulance applies to necessary transportation to hospital or transfer between hospitals/diagnostic centres; air ambulance return transportation home is excluded.","quote":"Road Ambulance Cover | Up to INR 20000 per event | Up to INR 20000 per event | Up to Sum Insured | Covered ... Air Ambulance Cover | Up to 2.5 lac | Up to 5 lac | Up to 10 lac | Up to 10 lac","sources":[{"clause":"Row 9","heading":"9","page":61,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18421#c-row-9"},{"clause":"Row 10","heading":"10","page":61,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18421#c-row-10"}],"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":"quote-verified","value":"If a claim is payable, restoration is up to the Base Sum Insured unlimited times in a policy year after the Base Sum Insured, Cumulative Bonus, Cumulative Bonus Booster and Double Cover are insufficient. It can be used for related as well as different illnesses except for claims under the “Any one Illness” condition, and it does not apply to the first claim in that policy year.","display":"Restoration up to the Base Sum Insured unlimited times in a Policy Year; not first claim; not Any one Illness","note":"The benefit table says Unlimited Restoration Benefit is Not Applicable for Diamond.","quote":"If a Claim is payable under the Policy, We will provide restoration up to the Base Sum Insured unlimited times in a Policy Year, only after the Base Sum Insured, the Cumulative Bonus (if any), Cumulative Bonus Booster (if any), Double cover (if any) are insufficient in a policy year ... The restored sum insured can be utilised in respect of any illness (related as well as different) and its complications except for claim under “Any one Illness” condition. ... The restoration of sum insured shall not apply to the first claim in that Policy Year","sources":[{"clause":"13","heading":"Unlimited Restoration Benefit","page":7,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-13"},{"clause":"12","heading":"Cumulative Bonus","page":7,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-12"},{"clause":"12(i)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-12-i"}],"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":"quote-verified","value":"Cumulative Bonus increases the Base Sum Insured by 50% at the end of the policy year on renewal, subject to a maximum of 100%. The optional Cumulative Bonus Booster gives 100% of the Base Sum Insured at each claim-free year up to 10 times the Base Sum Insured.","display":"Cumulative Bonus: 50% of Base Sum Insured each renewal, max 100%","note":"Cumulative Bonus is Not Applicable for Diamond in the benefit table. Cumulative Bonus Booster is optional and is Not Applicable for Diamond.","quote":"We will increase Your Base Sum Insured by 50% subject to the maximum limit of 100% at the end of the Policy Year if the Policy is renewed with Us ... Cumulative Bonus Booster | 100% of the Base Sum Insured, at each claim free year upto a maximum of 10 times of the Base Sum Insured","sources":[{"clause":"12","heading":"Cumulative Bonus","page":10,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18421#c-12"},{"clause":null,"heading":"B. Optional Covers","page":62,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18421#c-b-optional-covers"}],"law":[]},{"key":"consumables","label":"Consumables and non-medical items","section":"Cover","meaning":"Gloves, PPE, syringes and other items hospitals bill that standard policies exclude; whether this policy pays them.","status":"quote-verified","value":"The policy covers the cost of non-medical items listed under Annexure II List 1 when incurred towards medically necessary hospitalisation and the inpatient or day care claim is admissible.","display":"Covered for listed Non-Medical items, within Base Sum Insured and Cumulative Bonus","note":"Payment is within the Base Sum Insured and Cumulative Bonus; Cumulative Bonus Booster, Double Cover and Unlimited Restoration do not apply to this benefit.","quote":"We will cover the cost of Non-Medical items, listed under Annexure II List 1 of the Policy, incurred towards Medically Necessary Page 7; Health 360; UIN: ZUKHLIP25038V012425; Policy Wording Hospitalization of the Insured Person, arising out of Disease/ Illness or Injury. The cover is available subject to the claim being admissible under In-patient Treatment and/ or Day Care Treatment cover under this Policy and the expenses on Non-medical items are related to the same Illness/ Injury.","sources":[{"clause":"14","heading":"Consumables Cover","page":7,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-14"}],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Whether childbirth costs are covered, the limit and the waiting period.","status":"quote-verified","value":"Maternity is excluded unless the optional Maternity Benefit is opted. Under that optional cover, delivery including caesarean section or medically necessary lawful termination is covered up to the Maternity Benefit Sum Insured after the waiting period mentioned in the policy schedule; the policy exclusion table states maternity benefit waiting period is 24 months.","display":"Not covered unless optional Maternity Benefit is opted; optional cover after 24 months","note":"Optional benefit is for female insured with relationship as self/spouse and beneficiary above 18 years at claim; not more than 2 delivery events across all policy periods with the insurer.","quote":"Excl18 Maternity (Code- Excl18) ... Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during hospitalisation) except ectopic pregnancy ... By Opting this Cover, we will indemnify the Medical Expenses incurred up to the Maternity Benefit Sum Insured specified in the Policy Schedule for the delivery of the Insured Person's child (including cesarean section) or the Medically Necessary and lawful medical termination of pregnancy during the Policy Period ... Any treatment arising from or traceable to pregnancy, childbirth including caesarean section will not be covered until 24 months of continuous coverage has elapsed","sources":[{"clause":"Excl18","heading":"Maternity (Code- Excl18)","page":15,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-excl18"},{"clause":"Excl18(i)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-excl18-i"},{"clause":null,"heading":"Maternity Benefit 13.I Maternity Expenses","page":12,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-maternity-benefit-13-i-maternity-expenses"},{"clause":null,"heading":"3.4 Maternity Benefit Waiting Period","page":33,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18421#c-3-4-maternity-benefit-waiting-period"}],"law":[]},{"key":"newborn","label":"Newborn baby cover","section":"Cover","meaning":"Whether a newborn is covered from birth and for what.","status":"quote-verified","value":"New born baby cover is available only under the optional Maternity Benefit. It covers hospitalisation expenses of the insured person's newborn baby during the policy period within the maternity sum insured, if a maternity claim has been accepted.","display":"Optional; newborn hospitalisation within Maternity Sum Insured after accepted maternity claim","note":"Pre and post hospitalisation expenses for the newborn are not covered under this benefit; the baby can be covered beyond 90 days by endorsement or at next renewal subject to underwriting.","quote":"We will indemnify the Medical Expenses incurred on the Hospitalization of the Insured Person's New Born Baby during the Policy Period within the limits of the Maternity Sum Insured subject to the following:\na) We have accepted a Claim for Maternity Benefit under the Policy.","sources":[{"clause":null,"heading":"13.ii New Born Baby Cover","page":12,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-13-ii-new-born-baby-cover"}],"law":[]},{"key":"mental_illness","label":"Mental illness","section":"Cover","meaning":"Cover for in-patient treatment of mental illness.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 3","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch III I","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(4)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 2(1)(s)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(1)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"}]},{"key":"health_checkup","label":"Health check-up","section":"Cover","meaning":"Free preventive check-ups and how often.","status":"quote-verified","value":"Annual health check-up is arranged at a network provider on a cashless basis and is available once during a policy year per insured person.","display":"Annual health check-up once during a Policy Year per Insured Person","note":null,"quote":"On the Insured Person's request, We will arrange for the Insured Person's Annual health check-up at Our Network Provider on cashless basis for the specified tests listed below subject to:\n· | This Benefit shall be available only once during a Policy Year per\nInsured Person.","sources":[{"clause":"18","heading":"Annual Health Check-up","page":8,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-18"}],"law":[]},{"key":"opd","label":"Out-patient (OPD) cover","section":"Cover","meaning":"Doctor consultations, tests and medicines without admission, and the limit.","status":"quote-verified","value":"OPD treatment is excluded as a claim benefit. The policy separately offers unlimited e-consultations with general physicians and health services with access to discounted OPD, diagnostics and pharmacy through the network.","display":"OPD treatment excluded; e-consultations and discounted OPD access available","note":"The optional Cash Bag amount may be used for OPD expenses if any, but it is an optional cover.","quote":"Any OPD treatment ... We shall offer unlimited e consultations with qualified General Physicians at our network during the Policy Year through any digital mode of communication (Voice/Video Call /Chat/ Email Chat/ etc.) ... The Insured Person may access discounted OPD, Diagnostics, Pharmacy etc. through Network as available on the Company's website/ Mobile application.","sources":[{"clause":"29","heading":"Any consequential or indirect loss arising out of or related to","page":15,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-29"},{"clause":"20","heading":"Unlimited E-consultations","page":9,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-20"},{"clause":"21","heading":"Health Services","page":9,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-21"}],"law":[]},{"key":"zone_pricing","label":"Zone or city-based premium","section":"Premium","meaning":"Whether premium or co-pay depends on the city you are treated in.","status":"quote-verified","value":"Zone is based on the city of the proposer, and a single zone applies to all covered members. Persons paying lower-zone premium face co-payment if treatment is taken in a higher zone: Zone II to Zone I is 10%, Zone III to Zone I is 20%, and Zone III to Zone II is 10%.","display":"Yes; proposer city sets Zone I/II/III and higher-zone treatment can trigger 10% or 20% co-pay","note":"Zone co-payments for claims outside the zone do not apply for hospitalisation due to an accident.","quote":"Identification of Zone will be based on the city of the Proposer.\n• A single Zone shall be applicable to all members covered under the Policy. ... Persons paying Zone I premium can avail treatment all over India without any Co-payment.\n• Persons paying Zone II premium can avail treatment in Zone II and Zone III without any co-payment\n• Persons paying Zone III premium can avail treatment in Zone III only without any co-payment ... Zone II | Zone I | 10% ... Zone III | Zone I | 20% ... Zone III | Zone II | 10%","sources":[{"clause":"22","heading":"Zone Classification","page":22,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-22-2"}],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"quote-verified","value":"Cashless facility is available at network providers of the company. The complete provider list is on the company's website or can be obtained from the call centre, and pre-authorisation is required.","display":"Available at Network Provider of the Company","note":null,"quote":"Cashless Facility will be available at a Network Provider of the Company. The complete list of Providers is available on Our website (The list is updated as and when there is any change in the Network Provider) or can be obtained from Our call centre.","sources":[{"clause":null,"heading":"5.1 For Cashless Facility","page":16,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-5-1-for-cashless-facility"}],"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 and cashless pre-authorisation are handled by the insurer or its TPA; the claim document address named in the wording is Family Health Plan (TPA) Ltd.","display":"Insurer or TPA; Family Health Plan (TPA) Ltd named for claim documents","note":null,"quote":"At least 48 hours prior to a planned Hospitalization, We or Our TPA shall be contacted to request pre-authorization ... In the event of claims, please send the relevant documents to:\nFamily Health Plan (TPA) Ltd, Srinilaya – Cyber Spazio Suite # 101,102,109 & 110, Ground Floor, Road No. 2, Banjara Hills, Hyderabad, 500 034.","sources":[{"clause":null,"heading":"5.1 For Cashless Facility","page":16,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-5-1-for-cashless-facility"},{"clause":"29(a)(vi)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440#c-29-a-vi"}],"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, Individual/ Family Floater","note":"A family floater policy can cover a maximum of 2 adults and 3 dependent children under a single policy.","quote":"Policy Type | Individual/ Family Floater","sources":[{"clause":null,"heading":"Eligibility","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18421#c-eligibility"}],"law":[]}],"documents":[{"kind":"wording","label":"Health 360","pages":30,"fetched_at":"2026-10-17 20:22:26+00","source_url":"https://cms.zurichkotak.com/uploads/Health_360_Policy_Wordings_FY_24_25_v1_06022025_6e8f3d3b36_922a215c71.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18440"},{"kind":"prospectus","label":"Health 360","pages":64,"fetched_at":"2026-10-17 20:21:54+00","source_url":"https://cms.zurichkotak.com/uploads/Health_360_Prospectus_f268ed058e.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18421"},{"kind":"cis","label":"Health 360","pages":13,"fetched_at":"2026-10-17 20:18:28+00","source_url":"https://cms.zurichkotak.com/uploads/CIS_Health_360_16072025_ddd1a3ad58.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18357"},{"kind":"brochure","label":"Health 360","pages":14,"fetched_at":"2026-10-17 20:05:22+00","source_url":"https://cms.zurichkotak.com/uploads/ZKGI_Health_360_Brochure_3e22b17d98.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18136"},{"kind":"benefit-illustration","label":"Health 360","pages":1,"fetched_at":"2026-10-17 20:08:46+00","source_url":"https://cms.zurichkotak.com/uploads/Health_360_Benefit_Illustration_33604c873c.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425/document/18200"}],"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":"Health 360 (UIN ZUKHLIP25038V012425), IndiaInsurances, https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-360-zukhlip25038v012425"}