{"uin":"ZUKHLIP25060V022425","name":"Surrogacy Care","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/surrogacy-care-zukhlip25060v022425","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":"Surrogacy Care is an individual health indemnity policy for oocyte donors and surrogate mothers, covering only allopathic treatments taken in India for specified surrogacy or oocyte-retrieval complications. Sum insured options are 5 lacs and 10 lacs, with policy tenure of 1 year for Oocyte Donor and 3 years for Surrogate Mother and no renewal, portability or moratorium.","analysis":{"state":"machine","analysed_at":"2026-10-19 22:58:25.88076+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":["Oocyte Donor Cover","Surrogate Mother Cover"],"display":"Oocyte Donor Cover; Surrogate Mother Cover","note":"The policy calls these Section 1 and Section 2 covers; eligibility and policy tenure differ by section.","quote":"Oocyte Donor Cover ... Surrogate Mother Cover","sources":[{"clause":"Section 1","heading":"Oocyte Donor Cover","page":8,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/surrogacy-care-zukhlip25060v022425/document/18391#c-section-1"},{"clause":"Section 2","heading":"Surrogate Mother Cover","page":10,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/surrogacy-care-zukhlip25060v022425/document/18391#c-section-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":"Oocyte Donor cover has a 1 year policy tenure; Surrogate Mother cover has a 3 years policy tenure.","display":"Oocyte Donor: 1 year; Surrogate Mother: 3 years","note":null,"quote":"Policy Tenure | 1 year | 3 years","sources":[{"clause":"17","heading":"Eligibility","page":24,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/surrogacy-care-zukhlip25060v022425/document/18391#c-17-2"}],"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 prior to hospitalisation. For emergency cashless care, contact within 24 hours of commencement of hospitalisation; reimbursement notice must be given at least within 30 days of discharge.","display":"Cashless planned: at least 48 hours prior; emergency: 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 ... 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/surrogacy-care-zukhlip25060v022425/document/18391#c-5-1-for-cashless-facility"},{"clause":"48(a)(vi)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/surrogacy-care-zukhlip25060v022425/document/18391#c-48-a-vi"},{"clause":null,"heading":"5.2 For Reimbursement Claims","page":18,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/surrogacy-care-zukhlip25060v022425/document/18391#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 and payment receipts","Indoor case papers, if available","Implant Invoice/ Sticker, if available","Ambulance Invoice, if applicable","FIR or MLC for Accident cases","Post mortem report, if conducted","Certificate from the treating doctor for inability to donate Oocyte by the mother","Copy of signed contract for the Oocyte donor/Surrogate mother","KYC documents"],"display":"Claim form, discharge summary, consultation papers, original hospital and pharmacy bills, investigation reports, indoor papers, implant sticker, ambulance invoice, FIR/MLC, post mortem report, oocyte certificate, surrogacy/oocyte contract and KYC documents","note":"The insurer may also ask for any other document required to investigate the claim or its obligation to pay.","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) Certificate from the treating doctor for inability to donate Oocyte by the mother. (If the oocyte donor is other than proposer mother)\nm) Copy of signed contract for the Oocyte donor/Surrogate mother.\nn) KYC documents viz. Photo ID and address proof along with duly completed form.","sources":[{"clause":null,"heading":"6. CLAIM DOCUMENTS","page":18,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/surrogacy-care-zukhlip25060v022425/document/18391#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.","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":"16(i)","heading":null,"page":24,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/surrogacy-care-zukhlip25060v022425/document/18391#c-16-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":["Expenses related to the treatment of any illness within 30 days from the first policy commencement date","Expenses related to any admission primarily for diagnostics and evaluation purposes only","Expenses related to any admission primarily for enforced bed rest and not for receiving treatment","Expenses related to any treatment, including surgical management, to change characteristics of the body to those of the opposite sex","Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports","Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent","Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof","Any OPD treatment will not be covered","Any illness, sickness or disease other than complications arising out of pregnancy and post-partum delivery for the surrogate mother or complications arising out of oocyte retrieval for the oocyte donor","Treatment of any pre-existing condition/disease of the Insured including its complications","Delivery Expenses (Normal or Caesarean)","Any Non-Allopathy Treatment","Any expenses arising out of Domiciliary Hospitalization","Any claim arising due to non-compliance of the provisions stated in the respective Surrogacy law"],"display":"30-day illness waiting period; diagnostics/evaluation; rest cure; gender-change treatment; professional hazardous sports; breach of law; alcoholism/drug abuse; OPD; illnesses other than specified surrogacy/oocyte complications; pre-existing conditions; delivery expenses; non-allopathy; domiciliary hospitalisation; non-compliance with surrogacy/ART laws","note":null,"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. ... Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded. ... Expenses related to any admission primarily for enforced bed rest and not for receiving treatment. ... Expenses related to any treatment, including surgical management, to change characteristics of the body to those of the opposite sex. ... Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports ... Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent. ... Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof ... Any OPD treatment will not be covered ... Any illness, sickness or disease other than complications arising out of pregnancy and post-partum delivery for the surrogate mother or complications arising out of oocyte retrieval for the oocyte donor. ... Treatment of any pre-existing condition/disease of the Insured including its complications ... Delivery Expenses (Normal or Caesarean) ... Any Non-Allopathy Treatment ... Any expenses arising out of Domiciliary Hospitalization ... Any claim arising due to non-compliance of the provisions stated in the respective Surrogacy law, The Surrogacy (Regulation) Act, 2021, The Surrogacy (Regulation) Rules, 2022, the Assisted Reproductive Technology Law, The Assisted Reproductive Technology (Regulation) Act, 2021, The Assisted Reproductive Technology (Regulation) Rules, 2022 and any subsequent additions / modifications to the Law / Act / Rules.","sources":[{"clause":"3.1","heading":"30 Day Waiting Period (Code – Excl03)","page":12,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/surrogacy-care-zukhlip25060v022425/document/18391#c-3-1"},{"clause":"Excl04","heading":"Investigation & Evaluation (Code- Excl04)","page":12,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/surrogacy-care-zukhlip25060v022425/document/18391#c-excl04"},{"clause":"Excl05","heading":"Rest Cure, rehabilitation and respite care (Code – Excl05)","page":12,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/surrogacy-care-zukhlip25060v022425/document/18391#c-excl05"},{"clause":"4","heading":"Change-of- Gender treatments (Code – Excl07)","page":13,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/surrogacy-care-zukhlip25060v022425/document/18391#c-4"},{"clause":"6","heading":"Hazardous or Adventure sports: (Code- Excl09)","page":13,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/surrogacy-care-zukhlip25060v022425/document/18391#c-6"},{"clause":"7","heading":"Breach of law (Code – Excl10)","page":13,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/surrogacy-care-zukhlip25060v022425/document/18391#c-7"},{"clause":"9","heading":"Code- Excl12","page":13,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/surrogacy-care-zukhlip25060v022425/document/18391#c-9"},{"clause":"29","heading":"Any OPD treatment will not be covered","page":14,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/surrogacy-care-zukhlip25060v022425/document/18391#c-29"},{"clause":"32","heading":null,"page":15,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/surrogacy-care-zukhlip25060v022425/document/18391#c-32"},{"clause":"33","heading":"Treatment of any pre-existing condition/disease of the Insured including its complications","page":15,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/surrogacy-care-zukhlip25060v022425/document/18391#c-33"},{"clause":"38","heading":"Delivery Expenses (Normal or Caesarean)","page":15,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/surrogacy-care-zukhlip25060v022425/document/18391#c-38"},{"clause":"40","heading":"Any Non-Allopathy Treatment","page":15,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/surrogacy-care-zukhlip25060v022425/document/18391#c-40"},{"clause":"41","heading":"Any expenses arising out of Domiciliary Hospitalization","page":15,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/surrogacy-care-zukhlip25060v022425/document/18391#c-41"},{"clause":"46","heading":null,"page":15,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/surrogacy-care-zukhlip25060v022425/document/18391#c-46"}],"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, e-mail, courier address or grievance cell at branches. If not satisfied, contact the grievance officer; after that, the Insurance Ombudsman may be approached.","display":"Company website/toll-free/e-mail/courier or branch grievance cell, then grievance officer, then Insurance Ombudsman","note":null,"quote":"In case of any grievance the insured person may contact the company through Website: www.zurichkotak.com Toll free: 1800 2120 E-mail: care@zurichkotak.com Courier:\nZurich 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@kotak.com ... If Insured person is not satisfied with the redressal of grievance through above methods, the insured person may also approach the office of Insurance Ombudsman","sources":[{"clause":"15","heading":"Redressal of Grievance","page":23,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/surrogacy-care-zukhlip25060v022425/document/18391#c-15-2"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"quote-verified","value":"Sum insured options are 5 lacs and 10 lacs.","display":"5 lacs, 10 lacs","note":"From the prospectus; the policy wording refers to the sum insured specified in the Policy Schedule.","quote":"Sum Insured Options – 5 lacs, 10 lacs Policy Type – Individual Sum insured","sources":[{"clause":null,"heading":"Product Details","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/surrogacy-care-zukhlip25060v022425/document/18165#c-product-details"}],"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":"Does not apply to accident claims, if otherwise covered; it also does not apply after Continuous Coverage for more than twelve months.","quote":"Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered.","sources":[{"clause":"3.1","heading":"30 Day Waiting Period (Code – Excl03)","page":12,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/surrogacy-care-zukhlip25060v022425/document/18391#c-3-1"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"not-applicable","value":null,"display":null,"note":"Pre-existing conditions are excluded rather than covered after a waiting period.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"not-stated","value":null,"display":null,"note":"No specific illness or procedure waiting-period list is printed in the provided policy wording.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"not-stated","value":null,"display":null,"note":"No specific illness or procedure waiting-period list is printed in the provided policy wording.","quote":null,"sources":[],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"not-applicable","value":null,"display":null,"note":"The policy wording says moratorium is not applicable under this policy.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"quote-verified","value":"Portability is not applicable under the policy.","display":"Not applicable","note":null,"quote":"Portability shall not be applicable under the policy.","sources":[{"clause":"8","heading":"Portability","page":22,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/surrogacy-care-zukhlip25060v022425/document/18391#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":false,"display":"No, policy is not available for renewal on expiry","note":null,"quote":"Policy shall not be available for Renewal on expiry.","sources":[{"clause":"10","heading":"Renewal of Policy","page":22,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/surrogacy-care-zukhlip25060v022425/document/18391#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 Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"quote-verified","value":"There will be no loadings based on individual claims experience.","display":"No loadings based on individual claims experience","note":"The insurer may apply risk loading up to 200 % per insured person based on declarations and health status at underwriting.","quote":"There will be no loadings based on individual claims experience.","sources":[{"clause":"21","heading":"Underwriting and Loadings","page":25,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/surrogacy-care-zukhlip25060v022425/document/18391#c-21-2"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The policyholder may cancel at any time during the term by giving 7 days' written notice. For a 1 year policy, the insurer refunds proportionate premium for the unexpired policy period if no claims were made; for a multi-year policy, future policy years are refunded in full and the started policy year is refunded pro-rata if no claim has been made.","display":"7 days notice; proportionate/pro-rata refund if no claim, with full refund for future policy years","note":"Medical examination expenses are deducted if risk or part of the insurance coverage has already 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 –\n• For 1 year Policy - Refund proportionate premium for unexpired policy period, if the term of policy up to one-year subject to no claim(s) were made during the policy period.\n• For Multi Year Policy - o For any policy year where the risk date has not yet started, the premium will be refunded without any deduction. o For any policy year where the risk has started, the premium will be refunded on a pro-rata basis for that policy year, provided no claim has been made during the policy year and in full for future policy years.","sources":[{"clause":"7(a)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/surrogacy-care-zukhlip25060v022425/document/18391#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":"The policy covers only allopathic treatments taken in India; claims are payable only if the cause of action arises in India, unless the policy specifically provides otherwise.","display":"India only","note":null,"quote":"This Policy covers only Allopathic treatments taken in India ... No Claims shall be payable under this Policy unless the cause of action arises in India, unless otherwise specifically provided in Policy.","sources":[{"clause":null,"heading":"Preamble","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/surrogacy-care-zukhlip25060v022425/document/18391#c-preamble"},{"clause":"22","heading":"Cause of Action/ Currency for payments","page":25,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/surrogacy-care-zukhlip25060v022425/document/18391#c-22-2"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 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":"6","heading":"Free Look Period","page":21,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/surrogacy-care-zukhlip25060v022425/document/18391#c-6-2"}],"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":"not-stated","value":null,"display":null,"note":"The policy defines grace period as a specified period after the premium due date but does not print the number of days.","quote":null,"sources":[],"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 21 years and maximum entry age is 55 years for both Oocyte Donor and Surrogate Mother.","display":"Min-21 yrs; Max-55 yrs","note":"Eligibility criteria may be updated as per applicable surrogacy laws and ART rules in India.","quote":"Age | Min-21 yrs Max-55 yrs | Min-21 yrs Max-55 yrs","sources":[{"clause":"17","heading":"Eligibility","page":24,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/surrogacy-care-zukhlip25060v022425/document/18391#c-17-2"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"not-stated","value":null,"display":null,"note":"ECS / Auto Debit payment facility is mentioned, but yearly, half-yearly, quarterly or monthly payment modes are not specified.","quote":null,"sources":[],"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":"not-stated","value":null,"display":null,"note":"The benefit illustration says optional covers are available at an extra cost, but the optional cover names are not stated in the provided clauses.","quote":null,"sources":[],"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 for the period for which no premium is received.","display":"No coverage for the period for which no premium is received","note":"This is stated in the Grace Period definition; the number of grace-period days is not printed.","quote":"Coverage is not available for the period for which no premium is received.","sources":[{"clause":"1","heading":"DEFINITIONS","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/surrogacy-care-zukhlip25060v022425/document/18391#c-1"}],"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":"Room rent and other boarding charges are covered as part of in-patient treatment up to the limit specified in the Policy Schedule; no separate room-rent amount per day is printed.","display":"Covered up to the limit specified in Policy Schedule; no separate daily room-rent limit stated","note":"The same wording appears for Surrogate Mother in-patient treatment.","quote":"We will indemnify the Medical Expenses incurred up to the limit specified in Policy Schedule ... i) Room Rent and other boarding charges;","sources":[{"clause":"1.1","heading":"In-patient Treatment","page":8,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/surrogacy-care-zukhlip25060v022425/document/18391#c-1-1"}],"law":[]},{"key":"room_category","label":"Room category allowed","section":"Limits and co-pay","meaning":"Shared room, single private room or any room, by plan, when the limit is a room type rather than a rupee amount.","status":"not-stated","value":null,"display":null,"note":"No shared-room, single-room or other room category limit is printed in the provided clauses.","quote":null,"sources":[],"law":[]},{"key":"icu_limit","label":"ICU limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for intensive care.","status":"quote-verified","value":"ICU charges are covered as part of in-patient treatment up to the limit specified in the Policy Schedule; no separate ICU daily limit is printed.","display":"Covered up to the limit specified in Policy Schedule; no separate ICU daily limit stated","note":"The same wording appears for Surrogate Mother in-patient treatment.","quote":"We will indemnify the Medical Expenses incurred up to the limit specified in Policy Schedule ... ii) ICU Charges;","sources":[{"clause":"1.1","heading":"In-patient Treatment","page":8,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/surrogacy-care-zukhlip25060v022425/document/18391#c-1-1"}],"law":[]},{"key":"proportionate_deduction","label":"Proportionate deduction","section":"Limits and co-pay","meaning":"If you choose a room above your limit, whether the insurer reduces associated charges (doctor fees, tests, procedures) by the same proportion.","status":"not-stated","value":null,"display":null,"note":"No proportionate deduction for choosing a room above a room-rent limit is printed.","quote":null,"sources":[],"law":[]},{"key":"copay","label":"Co-payment","section":"Limits and co-pay","meaning":"The share of every admissible claim you pay yourself, and when it applies (age, zone, choice of hospital).","status":"not-stated","value":null,"display":null,"note":"A co-payment definition is included, but no product co-payment percentage or trigger is stated.","quote":null,"sources":[],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"An amount of each claim or each year that you bear before the policy pays.","status":"not-stated","value":null,"display":null,"note":"A deductible definition is included, but no product deductible amount is stated.","quote":null,"sources":[],"law":[]},{"key":"disease_sublimits","label":"Disease or procedure sub-limits","section":"Limits and co-pay","meaning":"Caps on what is paid for named treatments (cataract, knee replacement...), even if the sum insured is higher.","status":"not-stated","value":null,"display":null,"note":"No caps for named diseases or procedures are printed in the provided clauses.","quote":null,"sources":[],"law":[]},{"key":"pre_hospitalisation","label":"Pre-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days before admission that are paid if related to the hospitalisation.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Payable only when the in-patient or day-care claim is accepted and the expenses relate to the same illness or medical condition.","quote":"We will pay Pre-Hospitalisation Medical Expenses up to 30 days preceding the Insured Person’s Admission to Hospital for In-patient Care or Day Care Treatment;","sources":[{"clause":"1.3","heading":"Pre-Hospitalization Medical Expenses and Post-Hospitalization Medical Expenses","page":9,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/surrogacy-care-zukhlip25060v022425/document/18391#c-1-3"}],"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":60},"display":"60 days","note":"Payable only when the in-patient or day-care claim is accepted and the expenses relate to the same illness or medical condition.","quote":"We will pay Post-Hospitalisation Medical Expenses up to 60 days following the Insured Person’s discharge from Hospital following In-patient Care or Day Care Treatment","sources":[{"clause":"1.3","heading":"Pre-Hospitalization Medical Expenses and Post-Hospitalization Medical Expenses","page":9,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/surrogacy-care-zukhlip25060v022425/document/18391#c-1-3"}],"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":"Day care treatment is covered up to the limit specified in the Policy Schedule for complications arising due to oocyte retrieval or, for surrogate mothers, complications arising out of pregnancy through surrogacy and post-partum delivery complications. OPD treatment is not covered under this benefit.","display":"Covered for specified oocyte retrieval or surrogacy pregnancy/post-partum complications; OPD not covered","note":null,"quote":"We will indemnify the Medical Expenses incurred up to the limit specified in Policy Schedule if the Insured Person (Oocyte Donor) is hospitalized for Day Care Treatment for complications arising due to oocyte retrieval during the Policy Period ... We will not cover any OPD Treatment under this Benefit. ... We will indemnify the Medical Expenses incurred up to the limit specified in Policy Schedule if the Insured Person (Surrogate Mother) is hospitalized for Day Care Treatment for complications arising out of pregnancy through surrogacy and post-partum delivery complications during the Policy Period","sources":[{"clause":null,"heading":"1.2 Day Care Treatment","page":9,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/surrogacy-care-zukhlip25060v022425/document/18391#c-1-2-day-care-treatment"},{"clause":null,"heading":"2.2 Day Care Treatment","page":10,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/surrogacy-care-zukhlip25060v022425/document/18391#c-2-2-day-care-treatment"}],"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 expenses are not covered.","display":"Not covered","note":null,"quote":"Any expenses arising out of Domiciliary Hospitalization","sources":[{"clause":"41","heading":"Any expenses arising out of Domiciliary Hospitalization","page":15,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/surrogacy-care-zukhlip25060v022425/document/18391#c-41"}],"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 or other non-allopathy treatment is not covered; the policy covers only allopathic treatments taken in India.","display":"Non-allopathy not covered","note":null,"quote":"This Policy covers only Allopathic treatments taken in India ... Any Non-Allopathy Treatment","sources":[{"clause":null,"heading":"Preamble","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/surrogacy-care-zukhlip25060v022425/document/18391#c-preamble"},{"clause":"40","heading":"Any Non-Allopathy Treatment","page":15,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/surrogacy-care-zukhlip25060v022425/document/18391#c-40"}],"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":"External Counter Pulsation, Enhanced External Counter Pulsation and Hyperbaric Oxygen Therapy are not covered unless they form part of in-patient treatment or discharge advice up to the specified post-hospitalisation period.","display":"ECP, EECP and Hyperbaric Oxygen Therapy not covered unless part of in-patient treatment or discharge advice up to post-hospitalisation period","note":"No separate cap for modern treatments is printed.","quote":"Treatment such as External Counter Pulsation (ECP), Enhanced External Counter Pulsation\n(EECP), and Hyperbaric Oxygen Therapy will not be covered unless it forms a part of In-Patient Treatment in case of hospitalisation or part of discharge advice upto the Post hospitalisation period as specified in the Policy Schedule.","sources":[{"clause":"31","heading":"Treatment such as External Counter Pulsation (ECP), Enhanced External Counter Pulsation","page":15,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/surrogacy-care-zukhlip25060v022425/document/18391#c-31"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 2","url":"https://indiainsurances.com/law/irdai-health-mc-2024"}]},{"key":"organ_donor","label":"Organ donor expenses","section":"Cover","meaning":"Whether the donor's hospital costs for an organ transplant are paid.","status":"not-stated","value":null,"display":null,"note":"No organ donor expense benefit is printed in the provided clauses.","quote":null,"sources":[],"law":[]},{"key":"ambulance","label":"Ambulance cover","section":"Cover","meaning":"Road (and air) ambulance cover and its limit.","status":"quote-verified","value":"Road ambulance expenses are covered up to INR 2000/- per hospitalisation for availing ambulance services.","display":"Up to INR 2000/- per hospitalisation","note":"From the prospectus benefit table; the policy wording says the amount is up to the limit specified in the Policy Schedule.","quote":"Ambulance Cover | Upto 2000/- per hospitalisation | Upto 2000/- per hospitalisation","sources":[{"clause":null,"heading":"Benefit Details","page":2,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/surrogacy-care-zukhlip25060v022425/document/18165#c-benefit-details"}],"law":[]},{"key":"restoration","label":"Restoration of sum insured","section":"Cover","meaning":"Whether the sum insured is refilled after it is used up in a year, how much, how often, and whether it works for the same illness.","status":"not-stated","value":null,"display":null,"note":"No restoration or refill of sum insured benefit is printed.","quote":null,"sources":[],"law":[]},{"key":"no_claim_bonus","label":"No-claim or cumulative bonus","section":"Cover","meaning":"How much the cover grows each year, the maximum, whether it depends on not claiming, and what happens after a claim.","status":"not-stated","value":null,"display":null,"note":"Cumulative bonus is defined, but no no-claim or cumulative bonus benefit is stated for this product.","quote":null,"sources":[],"law":[]},{"key":"consumables","label":"Consumables and non-medical items","section":"Cover","meaning":"Gloves, PPE, syringes and other items hospitals bill that standard policies exclude; whether this policy pays them.","status":"quote-verified","value":"Medicines, drugs and other allowable consumables prescribed by the treating medical practitioner are covered as part of in-patient treatment, but all non-medical expenses listed in Annexure II List I are excluded.","display":"Allowable prescribed consumables covered; Annexure II List I non-medical expenses not covered","note":null,"quote":"vi) Medicines, drugs and other allowable consumables prescribed by the treating Medical Practitioner; ... All non-medical expenses listed in Annexure II (List I) of the Policy.","sources":[{"clause":"1.1","heading":"In-patient Treatment","page":8,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/surrogacy-care-zukhlip25060v022425/document/18391#c-1-1"},{"clause":"28","heading":null,"page":14,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/surrogacy-care-zukhlip25060v022425/document/18391#c-28"}],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Whether childbirth costs are covered, the limit and the waiting period.","status":"quote-verified","value":"The surrogate mother section covers complications arising out of pregnancy through surrogacy and post-partum delivery complications, but delivery expenses, normal or caesarean, are excluded.","display":"Surrogacy pregnancy and post-partum complications covered; Delivery Expenses (Normal or Caesarean) excluded","note":null,"quote":"if the Insured Person (Surrogate Mother) is hospitalized for complications arising out of pregnancy through surrogacy and post-partum delivery complications during the Policy Period ... Delivery Expenses (Normal or Caesarean)","sources":[{"clause":"2.1","heading":"In-patient Treatment","page":10,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/surrogacy-care-zukhlip25060v022425/document/18391#c-2-1"},{"clause":"38","heading":"Delivery Expenses (Normal or Caesarean)","page":15,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/surrogacy-care-zukhlip25060v022425/document/18391#c-38"}],"law":[]},{"key":"newborn","label":"Newborn baby cover","section":"Cover","meaning":"Whether a newborn is covered from birth and for what.","status":"not-stated","value":null,"display":null,"note":"No newborn baby cover benefit is printed in the provided clauses.","quote":null,"sources":[],"law":[]},{"key":"mental_illness","label":"Mental illness","section":"Cover","meaning":"Cover for in-patient treatment of mental illness.","status":"quote-verified","value":"The policy does not provide a separate mental illness benefit; it excludes any illness, sickness or disease other than the specified surrogate-mother or oocyte-donor complications.","display":"No separate mental illness cover; other illnesses excluded","note":null,"quote":"Any illness, sickness or disease other than complications arising out of pregnancy and post-partum delivery for the surrogate mother or complications arising out of oocyte retrieval for the oocyte donor.","sources":[{"clause":"32","heading":null,"page":15,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/surrogacy-care-zukhlip25060v022425/document/18391#c-32"}],"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":"Routine medical, eye or ear examinations and preventive health check-ups are excluded; costs incurred for any health check-up or for medical certificates and examinations required for employment or travel are also excluded.","display":"Preventive health check-ups excluded","note":null,"quote":"Costs of routine medical, eye or ear examinations preventive health check-ups, spectacles, laser surgery for correction of refractory errors, contact lenses, hearing aids, dentures or artificial teeth; ... Costs incurred for any health check-up or for the purpose of issuance of medical certificates and examinations required for employment or travel or any other such purpose;","sources":[{"clause":"13","heading":null,"page":14,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/surrogacy-care-zukhlip25060v022425/document/18391#c-13"},{"clause":"22","heading":null,"page":14,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/surrogacy-care-zukhlip25060v022425/document/18391#c-22"}],"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 not covered.","display":"Not covered","note":null,"quote":"Any OPD treatment will not be covered","sources":[{"clause":"29","heading":"Any OPD treatment will not be covered","page":14,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/surrogacy-care-zukhlip25060v022425/document/18391#c-29"}],"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":"not-stated","value":null,"display":null,"note":"No zone or city-based premium or treatment co-pay is printed in the provided clauses.","quote":null,"sources":[],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"quote-verified","value":"Cashless facility is available at a Network Provider of the company. Planned cashless hospitalisation requires pre-authorisation at least 48 hours prior and emergency cashless care requires contact within 24 hours of commencement of hospitalisation.","display":"Available at Network Providers","note":null,"quote":"Cashless Facility will be available at a Network Provider of the Company. ... At least 48 hours prior to a planned Hospitalization, We or Our TPA shall be contacted to request pre-authorization ... within 24 hours of commencement of Hospitalisation","sources":[{"clause":null,"heading":"5.1 For Cashless Facility","page":16,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/surrogacy-care-zukhlip25060v022425/document/18391#c-5-1-for-cashless-facility"},{"clause":"48(a)(vi)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/surrogacy-care-zukhlip25060v022425/document/18391#c-48-a-vi"}],"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 are handled by the insurer or its TPA; claim documents are to be sent to Family Health Plan Insurance TPA Ltd.","display":"Insurer or TPA; Family Health Plan Insurance TPA Ltd","note":null,"quote":"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 Insurance TPA Ltd, Ground Floor, Srinilaya – Cyber Spazio 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/surrogacy-care-zukhlip25060v022425/document/18391#c-5-1-for-cashless-facility"},{"clause":"48(a)(vi)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/surrogacy-care-zukhlip25060v022425/document/18391#c-48-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":false,"display":"No, individual sum insured","note":null,"quote":"Policy Type – Individual Sum insured ... Coverage opted on family floater basis with overall Sum insured (Only one sum insured is available for the entire family)\nPremium (INR) | Sum Insured (INR) | Premium (INR) | Discount, if any | Premium after Discount (INR) | Sum Insured (INR) | Premium or consolidated premium for all members of family (INR) | Floater discount, if any | Premium after Discount (INR) | Sum Insured (INR)\nMember 1 - Age - 36 | 40,020 | 5,00,000 | NA | NA | NA | NA | NA | NA | NA | NA","sources":[{"clause":null,"heading":"Product Details","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/surrogacy-care-zukhlip25060v022425/document/18165#c-product-details"},{"clause":null,"heading":"Surrogacy Care (UIN: ZUKHLIP25060V022425)","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/surrogacy-care-zukhlip25060v022425/document/18138#c-surrogacy-care-uin-zukhlip25060v022425"}],"law":[]}],"documents":[{"kind":"wording","label":"Surrogacy Care","pages":36,"fetched_at":"2026-10-17 20:20:06+00","source_url":"https://cms.zurichkotak.com/uploads/Surrogacy_Care_Policy_Wording_Website_7cb21bc924_1_bbd7750399.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/surrogacy-care-zukhlip25060v022425/document/18391"},{"kind":"prospectus","label":"Surrogacy Care","pages":21,"fetched_at":"2026-10-17 20:06:46+00","source_url":"https://cms.zurichkotak.com/uploads/Surrogacy_Care_Prospectus_e120762b40.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/surrogacy-care-zukhlip25060v022425/document/18165"},{"kind":"cis","label":"Surrogacy Care","pages":9,"fetched_at":"2026-10-17 20:18:58+00","source_url":"https://cms.zurichkotak.com/uploads/Surrogacy_Care_CIS_f04ad04ead.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/surrogacy-care-zukhlip25060v022425/document/18368"},{"kind":"benefit-illustration","label":"Surrogacy Care – Benefit Illustration","pages":1,"fetched_at":"2026-10-17 20:05:30+00","source_url":"https://cms.zurichkotak.com/uploads/Surrogacy_Care_Benefit_Illustration_34411608b8.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/surrogacy-care-zukhlip25060v022425/document/18138"}],"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":"Surrogacy Care (UIN ZUKHLIP25060V022425), IndiaInsurances, https://indiainsurances.com/policy/zurich-kotak-general-insurance/surrogacy-care-zukhlip25060v022425"}