NICHLIP21113 V032021 I
NICHLIP21113 V032021 I
NICHLIP21113 V032021 I
Recital clause
Whereas the insured person designated in the schedule hereto has by a proposal and declaration, dated as stated in the schedule,
which shall be the basis of this contract and is deemed to be incorporated herein, has applied to National Insurance Company
Ltd., (herein after called the company) for the insurance herein after set forth in respect of insured person(s) named in the
schedule hereto (herein after called the insured person) and has paid premium as consideration for such insurance.
1 Operative clause
Now the policy witnesses that, subject to the terms, definition, exclusions and conditions contained herein or endorsed or
otherwise expressed hereon, the company undertakes that if during the policy period stated in the schedule or during the
continuance of the policy by renewal, any insured person shall suffer from any illness or disease (hereinafter called disease) or
sustain any bodily injury due to an accident (hereinafter called injury) and if such disease or injury shall require any such
insured person upon the advice of a duly qualified medical practitioner to be hospitalised for treatment at any nursing home/
hospital (herein after called hospital) in India as an in-patient, the company shall pay to the hospital or reimburse the Insured
person the amount of such reasonable, customary and medically necessary expenses described below, incurred in respect thereof
by or on behalf of such insured person but not exceeding the sum insured for the insured person in respect of all such claims,
during the policy period.
Coverage
The Company shall indemnify the Hospital or the Insured,
1.1 Room charges, Intensive Care Unit charges
1.4 Anesthesia, blood, oxygen, OT charges, surgical appliances (any disposable surgical consumables subject to upper limit of
10% of Sum insured), medicines & drugs, diagnostic material & X-ray, dialysis, chemotherapy, cadiotherapy, cost of
pacemaker, artificial limbs, cost of stents & implants, expenses for organ donor’s treatment.
1.5 Pre and post hospitalisation – Expenses related to medical diagnosis or procedure that resulted in hospitalisation and
incurred during the period up to 30 days prior to hospitalisation and up to 60 days after discharge from hospital and will be
considered as part of hospitalisation claim
1.6 Following Modern Treatments (wherever medically indicated) either as In patient or as part of Day Care Treatment in a
Hospital, subject to Maximum amount admissible for any one Modern Treatment shall be 25% of Sum Insured
A. Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
B. Balloon Sinuplasty
C. Deep Brain stimulation
D. Oral chemotherapy
E. Immunotherapy- Monoclonal Antibody to be given as injection
F. Intra vitreal injections
G. Robotic surgeries
H. Stereotactic radio surgeries
I. Bronchical Thermoplasty
J. Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
K. IONM - (Intra Operative Neuro Monitoring)
L. Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered.
1.7 Expenses related to treatment necessitated due to participation as a non-professional in hazardous or adventure sports,
subject to Maximum amount admissible for Any One Illness shall be 25% of Sum Insured
Exclusions
Any kind of Psychological counselling, cognitive/ family/ group/ behavior/ palliative therapy or other kinds of psychotherapy for
which Hospitalisation is not necessary shall not be covered.
Note: The expenses that are not covered in this policy are placed under List-l of Appendix-I. The list of expenses that are to be
subsumed into room charges, or procedure charges or costs of treatment are placed under List-II, List-III and List-IV of
Appendix-I respectively
3 Definition
3.1 Accident means a sudden, unforeseen and involuntary event caused by external, visible and violent means.
3.2 Any One Illness means continuous period of illness and it includes relapse within 45 (forty five) days from the date of last
consultation with the Hospital where treatment has been taken.
3.3 Cashless Facility means a facility extended by the Company to the Insured where the payments, of the costs of treatment
undergone by the Insured in accordance with the Policy terms and conditions, are directly made to the Network Provider by the
Company to the extent pre-authorization approved
3.4. Condition Precedent means a Policy term or condition upon which the Company’s liability under the Policy is conditional
upon.
3.5 Congenital Anomaly means a condition which is present since birth, and which is abnormal with reference to form,
structure or position.
a) Internal Congenital Anomaly
Congenital Anomaly which is not in the visible and accessible parts of the body.
b) External Congenital Anomaly
Congenital Anomaly which is in the visible and accessible parts of the body
3.6 Cumulative Bonus means any increase or addition in the Sum Insured granted by the Company without an associated
increase in premium.
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Regd. & Head Office: 3, Middleton Street, (UIN: NICHLIP21113V032021)
Kolkata 700071
3.7 Day Care Treatment means medical treatment, and/or surgical procedure which is:
i. undertaken under General or Local Anesthesia in a hospital/day care centre in less than 24 (twenty four) hrs because of
technological advancement, and
ii. which would have otherwise required a hospitalisation of more than 24 (twenty four) hours.
Treatment normally taken on an out-patient basis is not included in the scope of this definition.
3.8 Dental Treatment means a treatment carried out by a dental practitioner including examinations, fillings (where appropriate),
crowns, extractions and surgery.
3.9 Grace period means 30 (thirty) days immediately following the premium due date during which a payment can be made to
renew or continue the policy in force without loss of continuity benefits such as waiting period and coverage of pre-existing
disease. Coverage is not available for the period for which no premium is received.
3.10 Hospital means any Institution established for In-Patient Care and Day Care Treatment of Illness/ Injuries and which has
been registered as a Hospital with the local authorities under the Clinical Establishments (Registration and Regulation) Act,
2010 or under the enactments specified under Schedule of Section 56(1) of the said Act, OR complies with all minimum criteria
as under:
i. has qualified nursing staff under its employment round the clock;
ii. has at least ten (10)In-Patient beds, in those towns having a population of less than ten lacs and fifteen (15) inpatient beds in
all other places;
iii. has qualified Medical Practitioner (s) in charge round the clock;
iv. has a fully equipped operation theatre of its own where surgical procedures are carried out
v. maintains daily records of patients and shall make these accessible to the Company’s authorized personnel.
3.11 Hospitalisation means admission in a Hospital for a minimum period of twenty four (24) consecutive ‘In-Patient care’ hours
except for specified procedures/ treatments, where such admission could be for a period of less than twenty four (24) consecutive
hours.
3.12 Illness means a sickness or a disease or pathological condition leading to the impairment of normal physiological function
which manifests itself during the policy period and requires medical treatment.
i. Acute condition means a disease, illness or injury that is likely to response quickly to treatment which aims to return the
person to his or her state of health immediately before suffering the disease/ illness/ injury which leads to full recovery.
ii. Chronic condition means a disease, illness, or injury that has one or more of the following characteristics
a) it needs ongoing or long-term monitoring through consultations, examinations, check-ups, and / or tests
b) it needs ongoing or long-term control or relief o f symptoms
c) it requires your rehabilitation or for you to be specially trained to cope with it
d) it continues indefinitely
e) it comes back or is likely to come back.
3.13 In- Patient Care means treatment for which the Insured Person has to stay in a Hospital for more than twenty four (24)
hours for a covered event.
3.14 Intensive Care Unit means an identified section, ward or wing of a Hospital which is under the constant supervision of a
dedicated Medical Practitioner(s), and which is specially equipped for the continuous monitoring and treatment of patients who
are in a critical condition, or require life support facilities and where the level of care and supervision is considerably more
sophisticated and intensive than in the ordinary and other wards.
3.15 ICU (Intensive Care Unit) Charges means the amount charged by a Hospital towards ICU expenses which shall include
the expenses for ICU bed, general medical support services provided to any ICU patient including monitoring devices, critical
care nursing and intentivist charges.
3.16 Medical Advice means any consultation or advice from a Medical Practitioner including the issue of any prescription or
follow up prescription.
3.17 Medical Practitioner means a person who holds a valid registration from the medical council of any state or Medical Council
of India or Council for Indian Medicine or for Homeopathy set up by the Government of India or a State Government and is
thereby entitled to practice medicine within its jurisdiction; and is acting within the scope and jurisdiction of the licence.
3.18 Network Provider means hospitals or health care providers enlisted by an insurer or by a TPA and insurer together to
provide medical services to an insured person on payment by a cashless facility.
3.19 Non- Network means any hospital, day care centre or other provider that is not part of the network.
3.20 Notification of Claim means the process of intimating a claim to the Company or TPA through any of the recognized modes
of communication.
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Regd. & Head Office: 3, Middleton Street, (UIN: NICHLIP21113V032021)
Kolkata 700071
3.21 OPD (Out-Patient) Treatment means the one in which the Insured Person visits a clinic / Hospital or associated facility like
a consultation room for Diagnosis and treatment based on the advice of a Medical Practitioner. The Insured is not admitted as a
Day Care or In-Patient.
3.22 Policy Period means period of one year as mentioned in the schedule for which the policy is issued.
3.23 Preferred Provider Network (PPN) means a network of hospitals which have agreed to a cashless packaged pricing for
certain procedures for the insured person. The list is available with the company/TPA and subject to amendment from time to
time. Reimbursement of expenses incurred in PPN for the procedures (as listed under PPN package) shall be subject to the rates
applicable to PPN package pricing.
3.24 Pre hospitalisation Medical Expenses means Medical Expenses incurred during predefined number of days preceding the
Hospitalisation of the Insured Person, provided that:
i. Such Medical Expenses are incurred for the same condition for which the Insured Person’s Hospitalisation was required, and
ii. The In-patient Hospitalisation claim for such Hospitalisation is admissible by the Company.
3.25 Post hospitalisation Medical Expenses means Medical Expenses incurred during predefined number of days immediately
after the Insured Person is discharged from the Hospital provided that:
i. Such Medical Expenses are for the same condition for which the Insured Person’s Hospitalisation was required, and
ii. The inpatient hospitalisation claim for such hospitalisation is admissible by the Company.
3.26 Pre existing disease means any condition, ailment, injury or disease
a. That is/are diagnosed by a physician within 48 months prior to the effective date of the policy issued by the Company or
b. For which medical advice or treatment was recommended by, or received from, a physician within 48 months prior to the
effective date of the policy or its reinstatement.
3.27 Psychiatrist means a Medical Practitioner possessing a post-graduate degree or diploma in psychiatry awarded by an
university recognised by the University Grants Commission established under the University Grants Commission Act, 1956, or
awarded or recognised by the National Board of Examinations and included in the First Schedule to the Indian Medical Council
Act, 1956, or recognised by the Medical Council of India, constituted under the Indian Medical Council Act, 1956, and includes,
in relation to any State, any medical officer who having regard to his knowledge and experience in psychiatry, has been declared
by the Government of that State to be a psychiatrist.
3.28 Reasonable and Customary Charges means the charges for services or supplies, which are the standard charges for the
specific provider and consistent with the prevailing charges in the geographical area for identical or similar services, taking into
account the nature of the Illness/ Injury involved.
3.29 Room Rent means the amount charged by a hospital for the occupancy of a bed on per day (24 hours) basis and shall include
associated medical expenses.
3.30 Sum Insured means the sum insured (excluding CB) as mentioned in the schedule against Section I.
3.31 Surgery or Surgical Procedure means manual and / or operative procedure (s) required for treatment of an Illness or Injury,
correction of deformities and defects, diagnosis and cure of diseases, relief of suffering and prolongation of life, performed in a
Hospital or Day Care Centre by a Medical Practitioner.
3.32 Third Party Administrator (TPA) means a Company registered with the Authority, and engaged by an Insurer, for a fee or
remuneration, by whatever name called and as may be mentioned in the agreement, for providing health services .
3.33 Qualified Nurse means a person who holds a valid registration from the Nursing Council of India or the Nursing Council of
any state in India.
3.34 Waiting Period means a period from the inception of this Policy during which specified Illness/treatments are not covered.
On completion of the Waiting Period, Illness/treatments shall be covered provided the Policy has been continuously renewed
without any break.
4 Exclusions
The company shall not be liable to make any payment under this policy in respect of any expenses whatsoever incurred by any
person in connection with or in respect of:
4.11 Circumcision
Circumcision unless necessary for treatment of a disease (if not excluded otherwise) or necessitated due to an accident.
4.20 Radioactivity
Nuclear, chemical or biological attack or weapons, contributed to, caused by, resulting from or from any other cause or event
contributing concurrently or in any other sequence to the loss, claim or expense. For the purpose of this exclusion:
a) Nuclear attack or weapons means the use of any nuclear weapon or device or waste or combustion of nuclear fuel or the
emission, discharge, dispersal, release or escape of fissile/ fusion material emitting a level of radioactivity capable of causing
any Illness, incapacitating disablement or death.
b) Chemical attack or weapons means the emission, discharge, dispersal, release or escape of any solid, liquid or gaseous chemical
compound which, when suitably distributed, is capable of causing any Illness, incapacitating disablement or death.
c) Biological attack or weapons means the emission, discharge, dispersal, release or escape of any pathogenic (disease producing)
micro-organisms and/or biologically produced toxins (including genetically modified organisms and chemically synthesized
toxins) which are capable of causing any Illness, incapacitating disablement or death.
4.21 War
War (whether declared or not) and war like occurrence or invasion, acts of foreign enemies, hostilities, civil war, rebellion,
revolutions, insurrections, mutiny, military or usurped power, seizure, capture, arrest, restraints and detainment of all kinds.
5.4.4 Documents
The claim is to be supported with the following documents and submitted within the prescribed time limit.
i. Completed claim form
ii. Original bills, payment receipts, medical history of the patient recorded, discharge certificate/ summary from the hospital
etc.
iii. Original cash-memo from the hospital (s)/chemist (s) supported by proper prescription
iv. Original payment receipt, investigation test reports etc. supported by the prescription from attending medical practitioner
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Regd. & Head Office: 3, Middleton Street, (UIN: NICHLIP21113V032021)
Kolkata 700071
v. Attending medical practitioner’s certificate regarding diagnosis and bill receipts etc.
vi. Surgeon’s original certificate stating diagnosis and nature of operation performed along with bills/receipts etc.
vii. Any other document required by company/TPA
Note
In the event of a claim lodged as per clause 5.2 of the policy and the original documents having been submitted to the other
insurer, the company may accept the documents listed under clause 5.4.4 of the policy and claim settlement advice duly certified
by the other insurer subject to satisfaction of the company.
Waiver
Time limit for claim notification and submission of documents may be waived in cases where it is proved to the satisfaction of the
company, that the circumstances under which insured person was placed, it was not possible to intimate the claim/submit the
documents within the prescribed time limit.
5.6 Migration
The insured person will have the option to migrate the policy to other health insurance products/plans offered by the company
by applying for migration of the policyatleast30 days before the policy renewal date as per IRDAI guidelines on Migration. If
such person is presently covered and has been continuously covered without any lapses under any health insurance product/plan
offered by the company, the insured person will get the accrued continuity benefits in waiting periods as per IRDAI guidelines
on migration.
5.7 Portability
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 45 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.
1.1 If such injury shall within twelve calendar months of its occurrence be the sole and direct cause of the death of the Insured
persons the Capital Sum Insured stated in the Schedule.
1.2 If such injury shall within twelve calendar months of its occurrence be the sole and direct cause of the total and irrecoverable
loss of sight of both eyes or total and irrecoverable loss of use of two hands or two feet, or of one hand and one foot or of such
loss of sight of one eye and such loss of use of one hand or one foot, the capital sum insured stated in the schedule hereto.
1.3 If such injury shall within twelve calendar months of its occurrence be the sole and direct cause of the total and irrecoverable
loss of sight of one eye or total and irrecoverable loss of use of a hand or foot, fifty percent to the capital sum insured stated in the
schedule hereto.
1.4 If such injury shall within twelve calendar months of its occurrence be the sole and direct cause of permanently totally and
absolutely disabling the Insured persons from engaging in being occupied with or giving attention to any employment or
occupation of any description whatsoever the Sum Insured stated in the Schedule.
2 Definitions
2.1 Capital sum insured means the sum insured as mentioned in the schedule against Section II and Section III of the policy. The
sum insured represents maximum liability for each insured person, for any and all benefits claimed during the policy period.
2.2 Standard type of aircraft means any aircraft duly licensed to carry passengers (for hire or otherwise) by appropriate authority
irrespective of whether such an aircraft is privately owned OR chartered OR operated by a regular airline OR whether such an
aircraft has a single engine or multiple engines.
3 Exclusions
The company shall not be liable to make any payment under this policy in respect of any expenses whatsoever incurred by any
person in connection with or in respect of:
3.1 Compensation under more than one of the aforesaid sub-clauses 1.1, 1.2, 1.3 or 1.4 in respect of the same injury or disablement
under Section II and Section III of the policy.
3.1 Any payment in excess of Capital Sum Insured under Section II and Section III of the Policy during any one period of Insurance.
3.3 Any payment in respect of injury or disablement directly or indirectly arising out of or contributed to be or traceable to any
disability existing on the date of issue of this policy.
3.4 Any payment in respect of death of the insured (a) from intentional self injury, suicide or attempted suicide (b)whilst under
influence of intoxicating liquor or drugs (c) whilst engaging in Aviation or Ballooning, whilst Mounting into, Dismounting from
or Travelling in any aircraft other than as a passenger (fare paying or otherwise) in any duly licensed standard type of aircraft
anywhere in the world (d) directly or indirectly caused by venereal disease or insanity, (e) arising or resulting from the insured
committing any breach of the law with criminal intent.
3.5 Any payment in respect of death of the insured due to or arising out of directly or indirectly connected with or traceable to
war, invasion, Act of foreign enemy, Hostilities (Whether war be declared or not) Civil War, Rebellion, Revolution, Insurrection,
Mutiny, Military or Usurped Power, Seizure, Capture, Arrests, restraints and Detainment of all kings, princes and people of
whatsoever nation, condition or quality.
3.7 Any payment in respect of death or disablement resulting directly or indirectly caused by or contributed to by or aggravated to
prolonged by childbirth or pregnancy or in consequence thereof.
4.2 Documents
Documents to be submitted within 14 (fourteen) days from the date of notification:
a. FIR
b. Death Certificate
c. Post Mortem Certificate, if required
d. Any other Documents required by Company
1 Disclosure of information
The policy shall be void and all premium paid thereon shall be forfeited to the Company in the event of misrepresentation,
misdescription or non-disclosure of any material fact by the policyholder.
(Explanation: “Material facts” for the purpose of this policy shall mean all relevant information sought by the company in the
proposal form and other connected documents to enable it to take informed decision in the context of underwriting the risk)
3 Communication
i. All communication should be in writing.
ii. For claim serviced by TPA, ID card, PPN/network provider related issues to be communicated to the TPA at the address
mentioned in the schedule. For claim serviced by the company, the policy related issues, change in address to be
communicated to the policy issuing office at the address mentioned in the schedule.
iii. The company or TPA will communicate to the insured person at the address mentioned in the schedule.
4 Payment of premium
The Policy will commence from the date and time the premium is received by the company and issue a receipt for the same by a
duly authorized official of company. The due payment of premium and the observance and fulfillment of the terms, provisions,
conditions and endorsements of this Policy by the Insured Persons in so far as they relate to anything to be done or complied with
by the Insured Person shall be a condition precedent to any liability of the Company to make any payment under this policy. No
waiver of any terms, provisions, conditions and endorsements of this policy shall be valid unless made in writing and signed by an
authorized official of the Company.
5 Payment of claim
All claims under this policy shall be payable in Indian currency through NEFT/ RTGS only.
6 Territorial limit
All medical treatment for the purpose of this insurance will have to be taken in India only.
7 Fraud
If any claim made by the insured person, is in any respect fraudulent, or if any false statement, or declaration is made or used in
support thereof, or if any fraudulent means or devices are used by the insured person or anyone acting on his/her behalf to obtain
any benefit under this policy, all benefits under this policy and the premium paid shall be forfeited.
Any amount already paid against claims made under this policy but which are found fraudulent later shall be repaid by all
recipient(s)/policyholder(s), who has made that particular claim, who shall be jointly and severally liable for such repayment to
the insurer.
For the purpose of this clause, the expression "fraud" means any of the following acts committed by the insured person or by his
agent or the hospital/doctor/any other party acting on behalf of the insured person, with intent to deceive the insurer or to induce
the insurer to issue an insurance policy:
a) the suggestion, as a fact of that which is not true and which the insured person does not believe to be true;
b) the active concealment of a fact by the insured person having knowledge or belief of the fact;
c) any other act fitted to deceive; and
d) any such act or omission as the law specially declares to be fraudulent
The Company shall not repudiate the claim and / or forfeit the policy benefits on the ground of Fraud, if the insured person /
beneficiary can prove that the misstatement was true to the best of his knowledge and there was no deliberate intention to suppress
the fact or that such misstatement of or suppression of material fact are within the knowledge of the insurer.
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Regd. & Head Office: 3, Middleton Street, (UIN: NICHLIP21113V032021)
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8 Cancellation
i. The Company may cancel the policy at any time on grounds of misrepresentation non-disclosure of material facts, fraud by
the insured person by giving 15 days’ written notice. There would be no refund of premium on cancellation on grounds of
misrepresentation, non-disclosure of material facts or fraud
ii. The policyholder may cancel this policy by giving 15days’ written notice and in such an event, the Company shall refund
premium for the unexpired policy period as detailed below.
9 The Company shall not be bound to take notice or be affected by any notice of any trust, charge, lien, assignment or other
dealings with or relating to this policy but the receipt of the insured or his legal personal representative(s) shall in all cases be an
effective discharge to the Company.
10 Disclaimer
It is also hereby further expressly agreed and declared that if the Company/TPA shall disclaim liability to the insured for any
claim hereunder and such claims shall not within 12 (twelve) calendar months from the date of such disclaimer have been made
the subject matter of a suit in court of law, then the claim shall for all purposes be deemed to have been abandoned and shall not
thereafter be recoverable hereunder.
11 Territorial jurisdiction
All disputes or differences under or in relation to the policy shall be determined by the Indian court and according to Indian law.
12 Arbitration
If any dispute or difference shall arise as to the quantum to be paid under the policy (Liability being otherwise admitted) such
difference shall independently of all other questions be referred to the decision of a sole arbitrator to be appointed in writing by
the parties or if they cannot agree upon a single arbitrator within 30 (thirty) days of any party invoking arbitration, the same shall
be referred to a panel of three arbitrators, comprising of two arbitrators, one to be appointed by each of the parties to the dispute /
difference and the third arbitrator to be appointed by such two arbitrators and arbitration shall be conducted under/in accordance
with the provisions of the Arbitration and Conciliation Act 1996.
It is clearly agreed and understood that no difference or dispute shall be referable to arbitration as herein before provided if the
Company has disputed or not accepted liability under or in respect of this Policy.
It is hereby expressly stipulated and declared that it shall be condition precedent to any right of action or suit upon this Policy that
award by such arbitrator/arbitrators of the amount of the loss or damage shall be first obtained.
13 Renewal
The policy shall ordinarily be renewable except on grounds of fraud, misrepresentation by the insured person.
i. The Company shall endeavor to give notice for renewal. However, the Company is not under obligation to give any notice
for renewal.
ii. Renewal shall not be denied on the ground that the insured person had made a claim or claims in the preceding policy years.
iii. Request for renewal along with requisite premium shall be received by the Company before the end of the policy period.
iv. At the end of the policy period, the policy shall terminate and can be renewed within the Grace Period of 30 days to maintain
continuity of benefits without break in policy. Coverage is not available during the grace period.
v. No loading shall apply on renewals based on individual claims experience.
14 Withdrawal of product
i. In the likelihood of this product being withdrawn in future, the Company will intimate the insured person about the same 90
days prior to expiry of the policy.
ii. Insured Person will have the option to migrate to similar health insurance product available with the Company at the time of
renewal with all the accrued continuity benefits such as cumulative bonus, waiver of waiting period as per IRDAI guidelines,
provided the policy has been maintained without a break.
17 Nomination
The policyholder is required at the inception of the policy to make a nomination for the purpose of payment of claims under the
policy in the event of death of the policyholder. Any change of nomination shall be communicated to the company in writing and
such change shall be effective only when an endorsement on the policy is made. In the event of death of the policyholder, the
Company will pay the nominee {as named in the Policy Schedule/Policy Certificate/Endorsement (if any)} and in case there is no
subsisting nominee, to the legal heirs or legal representatives of the policyholder whose discharge shall be treated as full and
finaldischarge of its liability under the policy.
18 Redressal of grievance
In case of any grievance the insured person may contact the company through
Website: http://nationalinsurance.nic.co.in/ Courier: National Insurance Co. Ltd.,
Toll free: 1800 345 0330 6A Middleton Street, 7th Floor,
E-mail: customer.relations@nic.co.in CRM Dept.,
Phn : (033) 2283 1742 Kolkata - 700 071
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 (Office in-Charge) at that location.
For updated details of grievance officer, kindly refer the link: http://nationalinsurance.nic.co.in/
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 of the respective area/region for redressal of grievance as per Insurance Ombudsman Rules 2017.
Grievance may also be lodged at IRDAI Integrated Grievance Management System - https://igms.irda.gov.in/