Elixir Policy Wording

1. Preamble

This Policy covers Allopathic and AYUSH treatments taken in India ONLY. Expense incurred outside the policy period will NOT be covered. Unutilized Sum
Insured will expire at the end of policy year. All applicable benefits and details are mentioned in your Policy Schedule

2. Definitions

2.1. Standard definitions

2.1.1. Accident or Accidental means a sudden, unforeseen and involuntary event caused by external, visible and violent means.
2.1.2. AYUSH Hospital is a healthcare facility wherein medical / surgical / para-surgical treatment procedures and interventions are carried out by AYUSH
Medical Practitioner(s) comprising of any of the following:
a. Central or state government AYUSH Hospital; or
b. Teaching Hospital attached to AYUSH college recognized by the Central Government / Central Council of Indian Medicine / Central Council of
Homeopathy; or
i. Having at least five in-patient beds;
ii. Having qualified AYUSH Medical Practitioner in charge round the clock;
iii. Having dedicated AYUSH therapy sections as required and/or has equipped operation theatre where surgical procedures are to be carried
out;
iv. Maintaining daily records of the patients and making them accessible to the insurance company’s authorized representative.
AYUSH Hospitals referred above shall also obtain either pre-entry level certificate (or higher level of certificate) issued by National Accreditation
Board for Hospitals and Healthcare Providers (NABH) or State Level Certificate (or higher level of certificate) under National Quality Assurance
Standards (NQAS), issued by National Health Systems Resources Centre (NHSRC).
2.1.3. AYUSH Treatment refers to the medical and / or hospitalization treatments given under Ayurveda, Yoga and Naturopathy, Unani, Sidha and
Homeopathy systems.
2.1.4. Cashless Facility means a facility extended by the insurer to the insured where the payments, of the costs of treatment undergone by the insured
in accordance with the policy terms and conditions, are directly made to the network provider by the insurer to the extent pre-authorization is
approved.
2.1.5. Condition Precedent shall mean a Policy term or condition upon which the Insurer’s liability under the Policy is conditional upon.
2.1.6. 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.
2.1.7. Co-payment means a cost-sharing requirement under a health insurance policy that provides that the Policyholder/insured will bear a specified
percentage of the admissible claim amount. A Co-payment does not reduce the Sum Insured.
2.1.8. Cumulative Bonus means any increase or addition in the Sum Insured granted by the insurer without an associated increase in premium.
2.1.9. Day Care Center means any institution established for Day Care Treatment of Illness and/or Injuries or a medical set-up with a Hospital and which
has been registered with the local authorities, wherever applicable, and is under the supervision of a registered and qualified Medical Practitioner
AND must comply with all minimum criterion as under:
a. has Qualified Nursing staff under its employment;
b. has qualified Medical Practitioner(s) in charge;
c. has a fully equipped operation theatre of its own where Surgical Procedures are carried out;
d. maintains daily records of patients and will make these accessible to the insurance company’s authorized personnel.
2.1.10. Day Care Treatment refers to medical treatment, and/or Surgical Procedure which is:
a. undertaken under General or Local Anaesthesia in a Hospital/Day Care Center in less than 24 hrs because of technological advancement, and
b. which would have otherwise required a Hospitalization of more than 24 hours.
Treatment normally taken on an OPD basis is not included in the scope of this definition.
2.1.11. Deductible means a cost-sharing requirement under a health insurance policy that provides that the Insurer will not be liable for a specified rupee
amount in case of indemnity policies and for a specified number of days/hours in case of hospital cash policies which will apply before any benefits
are payable by the insurer. A deductible does not reduce the Sum Insured.
2.1.12. Dental Treatment means a treatment related to teeth or structures supporting teeth including examinations, fillings (where appropriate), crowns,
extractions and Surgery.

Product Name: Elixir | Product UIN: NBHHLIP23156V012223

2.1.13. Disclosure of Information means the Policy shall be void and all premium paid thereon shall be forfeited to the Company in the event of
misrepresentation, mis-description or non-disclosure of any material fact. (Note: “Material facts” for the purpose of this Policy shall mean all
important, essential and relevant information sought by the Company in the proposal form and other connected documents to enable him to take
informed decision in the context of underwriting the risk)
2.1.14. Domiciliary Hospitalization means medical treatment for an Illness/disease/Injury which in the normal course would require care and treatment at
a Hospital but is actually taken while confined at home under any of the following circumstances:
a. the condition of the patient is such that he/she is not in a condition to be removed to a Hospital, or
b. the patint takes treatment at home on account of non availability of room in a Hospital.
2.1.15. Emergency care (Emergency) means management for an Illness or Injury which results in symptoms which occur suddenly and unexpectedly, and
requires immediate care by a Medical Practitioner to prevent death or serious long term impairment of the Insured Person’s health.
2.1.16. Grace Period means the specified period of time (30 days) immediately following the premium due date during which a payment can be made to
Renew or continue a policy in force without loss of continuity benefits such as Waiting Periods and coverage of Pre-existing Diseases. Coverage is
not available for the period for which no premium is received.
2.1.17. Hospital means any institution established for Inpatient Care and Day Care Treatment of Illness and / or 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 the Schedule of Section 56(1) of the said Act OR complies with all minimum criteria as under:
a. has Qualified Nursing staff under its employment round the clock;
b. has at least 10 Inpatient beds in towns having a population of less than 10,00,000 and at least 15 Inpatient beds in all other places;
c. has qualified Medical Practitioner(s) in charge round the clock;
d. has a fully equipped operation theatre of its own where Surgical Procedures are carried out;
e. maintains daily records of patients and makes these accessible to the Insurance company’s authorized personnel.
2.1.18. Hospitalization or Hospitalized means the admission in a Hospital for a minimum period of 24 consecutive Inpatient Care hours except for specified
procedures/treatments, where such admission could be for a period of less than 24 consecutive hours.
2.1.19. Injury means Accidental physical bodily harm excluding Illness or disease solely and directly caused by external, violent and visible and evident
means which is verified and certified by a Medical Practitioner.
2.1.20. 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 intensivist charges.
2.1.21. Illness means a sickness or a disease or pathological condition leading to the impairment of normal physiological function and requires medical
treatment.
a. Acute condition - Acute condition is a disease, illness or injury that is likely to respond 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
b. Chronic condition - A chronic condition is defined as a disease, illness, or injury that has one or more of the following characteristics:
i. it needs ongoing or long-term monitoring through consultations, examinations, check-ups, and /or tests
ii. it needs ongoing or long-term control or relief of symptoms
iii. it requires rehabilitation for the patient or for the patient to be specially trained to cope with it
iv. it continues indefinitely
v. it recurs or is likely to recur
2.1.22. 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.
2.1.23. Inpatient Care means treatment for which the Insured Person has to stay in a Hospital for more than 24 hours for a covered event.
2.1.24. Maternity Expenses shall include
2.1.24.1. Medical Treatment Expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during
Hospitalization)
2.1.24.2. Expenses towards lawful medical termination of pregnancy during Policy Period.
2.1.25. Medical Advice means any consultation or advice from a Medical Practitioner including the issuance of any prescription or follow-up prescription.
2.1.26. Medical Expenses means those expenses that an Insured Person has necessarily and actually incurred for medical treatment on account of Illness
or Accident on the advice of a Medical Practitioner, as long as these are no more than would have been payable if the Insured Person had not been
insured and no more than other Hospitals or doctors in the same locality would have charged for the same medical treatment.
2.1.27. 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 his licence.

Product Name: Elixir | Product UIN: NBHHLIP23156V012223

 2.1.28. Medically Necessary Treatment means any treatment, tests, medication, or stay in Hospital or part of a stay in Hospital which:
a. is required for the medical management of the Illness or Injury suffered by the insured;
b. must not exceed the level of care necessary to provide safe, adequate and appropriate medical care in scope, duration, or intensity;
c. must have been prescribed by a Medical Practitioner;
d. must conform to the professional standards widely accepted in international medical practice or by the medical community in India.
2.1.29. Migration means the right accorded to health insurance policyholders (including all members under family cover and members of group health
insurance policy), to transfer the credit gained for pre-existing conditions and time bound exclusions, with the same insurer.
2.1.30. Network Provider means Hospital enlisted by an insurer, TPA or jointly by an insurer and TPA to provide medical services to an insured by a Cashless
Facility.
2.1.31. Non-Network means any Hospital, Day Care Center or other provider that is not part of the network.
2.1.32. Notification of Claim means the process of intimating a claim to the insurer or TPA through any of the recognized modes of communication.
2.1.33. OPD Treatment means the one in which the Insured 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
2.1.34. 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 insurer or its reinstatement 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 issued by the insurer or its reinstatement.
2.1.35. Pre-hospitalization Medical Expenses means medical expenses incurred during pre-defined number of days preceding the hospitalization of the
Insured Person, provided that:
a. Such Medical Expenses are incurred for the same condition for which the Insured Person’s Hospitalization was required, and
b. The Inpatient Hospitalization claim for such Hospitalization is admissible by the Insurance Company.
2.1.36. Post-hospitalization Medical Expenses means medical expenses incurred during pre-defined number of days immediately after the Insured
Person is discharged from the Hospital, provided that:
a. Such Medical Expenses are for the same condition for which the Insured Person’s Hospitalization was required, and
b. The Inpatient Hospitalization claim for such Hospitalization is admissible by the Insurance Company.
2.1.37. Portability means the right accorded to an individual health insurance policyholders (including all members under family cover), to transfer the
credit gained for pre-existing conditions and time bound exclusions, from one insurer to another insurer.
2.1.38. 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.
2.1.39. 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.
2.1.40. Renewal means the terms on which the contract of insurance can be renewed on mutual consent with a provision of Grace Period for treating the
renewal continuous for the purpose of gaining credit for pre-existing diseases, time bound exclusions and for all Waiting Periods.
2.1.41. Room Rent means the amount charged by a Hospital towards Room and Boarding expenses and shall include the associated medical expenses.
2.1.42. 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 from suffering or prolongation of life, performed in a Hospital or Day Care Centre by a Medical
Practitioner.
2.1.43. Unproven/Experimental treatment means the treatment including drug experimental therapy which is not based on established medical practice
in India, is treatment experimental or unproven.

2.2. Specific Definitions

2.2.1. Base Sum Insured means the coverage amount for which the premium is computed and charged for this policy.
2.2.2. Insured Person is the one for whom the company has received full premium (including additional premium if any), completed the risk assessment
and issued the policy. The names of the Insured persons covered in the policy are specified in the policy document, who are also referred as You/
Your/Policyholder in this policy.
2.2.3. Partner Network means Hospital, Diagnostic Centers, Clinics, Doctors, Health Care Workers, empanelled by the Insurer and/or by a consolidated
organization to provide health related medical services.
2.2.4. Policy Year means the period of one year from the date of commencement of the policy.

Product Name: Elixir | Product UIN: NBHHLIP23156V012223

3. Benefits available under the policy
3.1 Expenses in reaching a Hospital
a. Road Ambulance: We will cover expenses up to INR 2,000 per Hospitalization.
b. Air Ambulance: Only in case of Emergency. Up to Sum Insured for Cashless Claims and INR 2,50,000 for reimbursement claims. This will be paid only
if claim for hospitalization is paid by us.
Note: You must always use a registered ambulance / air ambulance provider
3.2 Expenses during Hospitalization
a. We will pay the expenses incurred by you on treatment (Naturally this excludes expenses not linked to treatment like food, beverage, toiletries and
cosmetics) if you were:
• Admitted for 24 hours or more (AYUSH or otherwise)
NOTE: Admission in a hospital happens in what is called wards or rooms of various categories, ICUs, CCUs, NICU etc or in Day care.

IMPORTANT:
i. We will NOT pay, even if you were admitted, if there was no treatment and only investigations were done. Example: Admission only for
investigations like MRI, CT Scan, Endoscopy, Colonoscopy etc.
ii. We will NOT pay for Automation machine for peritoneal dialysis
iii. We will pay for Invasive Angiography even though it is an investigation. But we will not pay for non-invasive angiography like CT angiogram
b. We pay for all day treatments up to the limits specified in your policy schedule.
Note: The Day Care Treatment would be covered if the Insured Person is admitted for more than 2 hours and would also cover treatment taken for
Angiography, Dialysis, Radiotherapy or Chemotherapy for cancer.
c. We pay for Modern treatments as specified below:
1. Uterine Artery Embolization and 2. Immunotherapy- Monoclonal 3. Vaporisation of the prostrate 4. Stem cell therapy: Hematopoietic
HIFU (High intensity focused Antibody to be given as injection (Green laser treatment or stem cells for bone marrow
ultrasound) holmium laser treatment) transplant for haematological
conditions
5. Balloon Sinuplasty 6. Oral Chemotherapy 7. Robotic surgeries 8. Stereotactic radio Surgeries
9. Deep Brain stimulation 10. Intra vitreal injections 11. Bronchical Thermoplasty 12. IONM - (Intra Operative Neuro
Monitoring)

Note: Full Sum Insured will be available for the following robotic surgeries
• Total Radical Prostatectomy
• Cardiac surgeries
• Partial Nephrectomy
• Surgeries for malignancies
For other Robotic surgeries, maximum limit of INR 1,00,000 will apply.
3.3 Expenses before and after hospitalization (Pre & Post hospitalization)
We will pay expenses incurred on consultations, medicines, physiotherapy, diagnostic tests for 60 days before the date of admission and 180 days after
date of discharge IF these are related to the condition for which hospitalization claim is paid.
3.4 Home Care Treatment
We will indemnify the Medical Expenses incurred on the Insured Person’s treatment taken at home for Chemotherapy or Dialysis.
Note:
• We will pay for Pre & Post hospitalization benefit as per section 3.3 for Home Care Treatment.
• We do NOT pay for any Medical & ambulatory devices used at home (like Pulse Oxymeter, BP monitors, Sugar monitors, automation device for peritoneal
dialysis, CPAP, BiPAP, Crutches, wheel chair etc.)
3.5 Domiciliary Hospitalization
Treatment availed by the insured person at home which in normal course would require care and treatment at a hospital but is actually taken at home
provided that:
a. The medical practitioner advices the insured person to undergo treatment at home
b. There is continuous active line of treatment with monitoring of health status by a medical practitioner for each day through the duration of the home
care treatment
c. Daily monitoring chart including records of treatment administered duly signed by the treating doctor is maintained
Note: We will pay for Pre & Post hospitalization benefit as per section 3.3 for Domiciliary Hospitalization.

Product Name: Elixir | Product UIN: NBHHLIP23156V012223

3.6 Organ Donor
If you ever undergo an organ transplant, we will pay the hospitalization expenses of the donor for harvesting the organ, ONLY when your Hospitalisation
claim is paid.
3.7 Annual Health Check-up
The Insured Person may avail a health check-up, only for Diagnostic Tests, up to a sub-limit as specified in Your Policy Schedule. This benefit is available
ONLY on cashless and no re-imbursement is allowed.
List of tests covered
Complete blood count (CBC) Complete Physical Examination by Physician Serum Electrolytes
Urine Routine Post prandial/lunch blood sugar (PPBS / PLBS) HbA1CW
Erythrocyte Sedimentation Rate (ESR) Uric Acid Thyroid profile (TSH)
Fasting Blood Glucose Lipid Profile Liver Function Test (LFT)
S Cholesterol Kidney Function Test (KFT) Treadmill test (TMT)
Electrocardiogram Serum Vitamin D Ultrasound test (USG)

Note:
a. This benefit is available only once in a Policy Year and if you undergo multiple tests, make sure that all these are done within 7 days
b. Any unutilized amount cannot be carried forward to the next policy year
3.8 3.8 ReAssure
Enjoy unlimited Sum Insured. The first paid hospitalization or domiciliary / home care claim triggers ReAssure.
Note:
a. Maximum amount ReAssure pays for any single claim is up to Base Sum Insured.
b. Pre and Post hospitalization expenses as per section 3.3 cannot be claimed in the first claim if base sum insured, booster sum insured (if applicable) and/
or Safeguard/Safeguard+ sum insured (if applicable) have been completely exhausted.
Illustration:
Base Sum Balance Base 2nd payable Claim amount Balance Base 3rd Payable Claim amount
1st paid Claim
Insured Sum Insured claim paid Sum Insured claim paid
10 Lakh 7 Lakh ReAssure is 3 Lakh 12 Lakh 12 Lakh (3 Lakh Nil 11 Lakh 10 Lakh from
triggered. from Base Sum ReAssure
Insured and
9 Lakh from
ReAssure

3.9 Booster Benefit

Get 50% of the base sum insured as Booster Sum insured if the policy is renewed with us without a break and no claim has been made in the previous
policy year.
Maximum booster sum insured will get accrued up to 100% of the base sum insured.
Conditions:
a. In case the Base Sum Insured under the Policy is reduced at the time of Renewal, the applicable accumulated Cumulative Bonus shall also be reduced
in proportion to the Base Sum Insured.
b. In case the Base Sum Insured under the Policy is increased at the time of Renewal, the applicable accumulated Cumulative Bonus shall also be increased
in proportion to the Base Sum Insured.
c. This benefit is not applicable for Health Check-up, Second Medical Opinion and Personal Accident Cover. Enhancement of Sum Insured due to Booster
benefit cannot be utilized for the aforementioned benefits.
d. If a claim has been made in the immediately preceding Policy Year, We will reduce the accumulated Cumulative Bonus by 50% of expiring Base Sum
Insured. Whereas, if a reported claim has been denied by Us, the Insured Persons will be eligible for this benefit.
e. If a claim has been made in the immediately preceding Policy Year under Individual Policy, the reduction in accumulated Cumulative Bonus shall be
applicable only to the Insured Person(s) who have claimed.
Note:
a. Sub-limits will not change due to increase in Booster sum insured

Product Name: Elixir | Product UIN: NBHHLIP23156V012223

3.10 Shared accommodation Cash Benefit
If you opt for a shared room, we will pay an additional amount for each day’s hospitalization. One day is considered as 24 continuous hours of
hospitalization.
3.11 Second Medical Opinion
Once in a Policy year, you can choose to take a second medical opinion from any Medical Practitioner of your choice. Through our partner network we can
help you get a second opinion from some of the most reputed doctors in the country.
Optional Benefits
3.12 Personal Accident
If the Insured Person covered under this optional benefit dies or sustains any Injury resulting solely and directly from an Accident occurring during the
Policy Period at any location worldwide, and while the Policy is in force, We will provide the benefits described below.
a. Accident Death (AD)
If the Injury due to Accident solely and directly results in the Insured Person’s death within 365 days from the occurrence of the Accident, We will
make payment of Personal Accident Cover Sum Insured specified in the Policy Schedule. If a claim is made under this optional benefit, the coverage
for that Insured Person under the Policy shall immediately and automatically cease. Any claim incurred before death of such Insured person shall be
admissible subject to terms and conditions under this Policy.
b. Accident Permanent Total Disability (APTD)
If the Injury due to Accident solely and directly results in the Permanent Total Disability of the Insured Person which means that the Injury results in
one or more of the following conditions within 365 days from the occurrence of an Accident, We will make payment of 125% of the Personal Accident
Cover Sum Insured as specified in the Policy Schedule.
a. Loss of use of limbs or sight
The Insured Person suffers from total and irrecoverable loss of:
a. The use of two limbs (including paraplegia and hemiplegia) OR
b. The sight in both eyes OR
c. The use of one limb and the sight in one eye
b. Loss of independent living
The Insured Person is permanently unable to perform independently three or more of the following six activities of daily living.
1. Washing: the ability to maintain an adequate level of cleanliness and personal hygiene.
2. Dressing: the ability to put on and take off all necessary garments, artificial limbs or other surgical appliances that are medically necessary.
3. Feeding: the ability to transfer food from a plate or bowl to the mouth once food has been prepared and made available.
4. Toileting: the ability to manage bowel and bladder function, maintaining an adequate and socially acceptable level of hygiene.
5. Mobility: the ability to move indoors from room to room on level surfaces at the normal place of residence.
6. Transferring: the ability to move from a lying position in a bed to a sitting position in an upright chair or wheel chair and vice versa.

Conditions - The above coverage is subject to fulfilment of following conditions:

a. The Permanent Total Disability is proved through a disability certificate issued by a Medical Board duly constituted by the Central and/or the
State Government; and
b. We will admit a claim under this optional benefit only if the Permanent Total Disability continues for a period of at least 6 continuous calendar
months from the commencement of the Permanent Total Disability unless it is irreversible, such as in case of amputation/loss of limbs etc; and
c. If the Insured Person dies before a claim has been admitted under this optional benefit, no amount will be payable under this optional benefit,
however We will consider the claim under Section 3.12.a (Accident Death) subject to terms and conditions mentioned therein; and
d. We will not make payment under Accident Permanent Total Disability more than once in the Insured Person’s lifetime for any and all Policy
Periods.
e. If a claim under this optional benefit is admitted, then coverage for the Insured Person will immediately and automatically cease under Section
3.12 (Personal Accident Cover) and this optional benefit shall not be applied in respect of that Insured Person on any Renewal thereafter.
However, other applicable benefits can be Renewed in respect of the Insured Person.

Product Name: Elixir | Product UIN: NBHHLIP23156V012223

c. Accident Permanent Partial Disability (APPD)
If the Injury due to Accident solely and directly results in the Permanent Partial Disability of the Insured Person which is of the nature specified in the
table below within 365 days from the occurrence of such Accident, We will make payment under this optional benefit in accordance with the table
below:
Conditions - The above coverage is subject to fulfilment of following conditions:
a. The Permanent Partial Disability is proved through a disability certificate issued by a Medical Board duly constituted by the Central and/or the State
Government; and
b. We will admit a claim under this optional benefit only if the Permanent Partial Disability continues for a period of at least 6 continuous calendar
months from the commencement of the Permanent Partial Disability, unless it is irreversible; and
c. If the Insured Person dies before a claim has been admitted under this optional benefit, no amount will be payable under this optional benefit,
however We will consider the claim under Section 3.12.a (Accident Death) subject to the terms and conditions mentioned therein.
d. If a claim under this optional benefit has been admitted, then no further claim in respect of the same condition will be admitted under this optional
benefit.
e. If a claim under this optional benefit is paid and the entire Personal Accident Sum Insured specified in the Policy Schedule does not get utilized,
then the balance Personal Accident Cover Sum Insured shall be available for further claims under Section 3.12 (Personal Accident Cover) until the
entire Personal Accident Cover Sum Insured is consumed. The Personal Accident Cover Sum Insured specified in the first Policy Schedule shall be
a lifetime limit for the Insured Person and once this limit is exhausted, coverage for the Insured Person will immediately and automatically cease
under Section 3.12 (Personal Accident Cover) and this optional benefit shall not be applied in respect of that Insured Person on any Renewal
thereafter. However, other applicable benefits can be Renewed in respect of the Insured Person

Permanent Partial Disability Grid

S. No. Nature of Disability % of Personal Accident Cover Sum Insured payable
1 Loss or total and permanent loss of use of both the hands from the wrist joint 100%
2 Loss or total and permanent loss of use of both feet from the ankle joint 100%
3 Loss or total and permanent loss of use of one hand from the wrist joint and of one
100%
foot from the ankle joint
4 Loss or total and permanent loss of use of one hand from the wrist joint and total and
100%
permanent loss of sight in one eye
5 Loss or total and permanent loss of use of one foot from the ankle joint and total and
100%
permanent loss of sight in one eye
6 Total and permanent loss of speech and hearing in both ears 100%
7 Total and permanent loss of hearing in both ears 50%
8 Loss or total and permanent loss of use of one hand from wrist joint 50%
9 Loss or total and permanent loss of use of one foot from ankle joint 50%
10 Total and permanent loss of sight in one eye 50%
11 Total and permanent loss of speech 50%
12 Permanent total loss of use of four fingers and thumb of either hand 40%
13 Permanent total loss of use of four fingers of either hand 35%
14 Uniplegia 25%
15 Permanent total loss of use of one thumb of either hand
a. Both joints 25%
b. One joint 10%
16 Permanent total loss of use of fingers of either hand
a. Three joints 10%
b. Two joints 8%
c. One joint 5%

Product Name: Elixir | Product UIN: NBHHLIP23156V012223

 17 Permanent total loss of use of toes of either foot
a. All toes- one foot 20%
b. Great toe- both joints 5%
c. Great toe- one joint 2%
d. Other than great toe, one toe 1%

3.13 Safeguard
a. Claim Safeguard: We will cover non-payable items mentioned in ‘List I – Expenses not covered’ of Annexure I. Clause 2.1.39 for Reasonable and
Customary Charges will still apply.
b. Booster Safeguard: Booster will not be impacted if the total claim in a policy year is up to INR 50,000.
c. Sum Insured Safeguard: Preserves the value of Sum Insured. Safeguards it against inflation. We will increase the Base Sum Insured on cumulative basis
at each renewal by the rate of inflation in the previous year. Inflation rate would be the average consumer price index (CPI) of the entire calendar year
published by the Central Statistical Organization (CSO).
Note: You will lose all accumulated Sum Insured Safeguard if you opt out of this benefit at any point in time.
3.14 Safeguard+

a. Claim Safeguard+: We will cover non-payable items mentioned in ‘List I,II,III,IV of Annexure I. Clause 2.1.39 for Reasonable and Customary Charges
will still apply.
b. Booster Safeguard+: Booster will not be impacted if the total claim in a policy year is up to INR 1,00,000.
c. Sum Insured Safeguard+: Preserves the value of Sum Insured. Safeguards it against inflation. We will increase the Base Sum Insured on cumulative
basis at each renewal by the rate of inflation in the previous year. Inflation rate would be the average consumer price index (CPI) of the entire calendar
year published by the Central Statistical Organization (CSO).
Note: You will lose all accumulated Sum Insured Safeguard+ if you opt out of this benefit at any point in time.
Note: You can either choose Safeguard or Safeguard+ at a given point in time.

4. Exclusions

4.1. Standard Exclusions

4.1.1. Pre-existing Diseases (Code–Excl01):

a. Expenses related to the treatment of a Pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months
of continuous coverage after the date of inception of the first Policy with Us.
b. In case of enhancement of Sum Insured the exclusion shall apply afresh to the extent of Sum Insured increase.
c. If the Insured Person is continuously covered without any break as defined under the portability norms of the extant IRDAI (Health Insurance)
Regulations, then waiting period for the same would be reduced to the extent of prior coverage.
d. Coverage under the Policy after the expiry of 36 months for any Pre-existing Disease is subject to the same being declared at the time of
application and accepted by Us.
4.1.2. Specified disease/procedure waiting period (Code- Excl02)
a. Expenses related to the treatment of the listed conditions, surgeries/treatments shall be excluded until the expiry of 24 months of continuous
coverage after the date of inception of the first Policy with us. This exclusion shall not be applicable for claims arising due to an Accident
(covered from day 1) or Cancer (covered after 30-days waiting period).
b. In case of enhancement of Sum Insured the exclusion shall apply afresh to the extent of Sum Insured increase.
c. If any of the specified disease/procedure falls under the waiting period specified for pre-Existing diseases, then the longer of the two waiting
periods shall apply.
d. The waiting period for listed conditions shall apply even if contracted after the Policy or declared and accepted without a specific exclusion.
e. If the Insured Person is continuously covered without any break as defined under the applicable norms on portability stipulated by IRDAI then
waiting period for the same would be reduced to the extent of prior coverage.
f. List of specific diseases/procedures:
i. Pancreatitis and stones in biliary and urinary system

Product Name: Elixir | Product UIN: NBHHLIP23156V012223

 ii. Cataract, glaucoma and retinal detachment
iii. Hyperplasia of prostate, hydrocele and spermatocele
iv. Prolapse uterus or cervix, endometriosis, Fibroids, Polycystic ovarian disease (PCOD), hysterectomy (unless necessitated by Malignancy)
v. Hemorrhoids, fissure, fistula or abscess of anal and rectal region
vi. Hernia of any site or type,
vii. Osteoarthritis, joint replacement, osteoporosis, systemic connective tissue disorders, inflammatory polyarthropathies, Rheumatoid
Arthritis, gout, intervertebral disc disorders, arthroscopic surgeries for ligament repair
viii. Varicose veins of lower extremities
ix. All internal or external benign neoplasms/ tumours, cyst, sinus, polyps, nodules, mass or lump
x. Ulcer, erosion or varices of gastro intestinal tract
xi. Surgical treatment for diseases of middle ear and mastoid (including otitis media, cholesteatoma, perforation of tympanic membrane),
Tonsils and adenoids, nasal septum and nasal sinuses
4.1.3. 30-day waiting period (Code- Excl03):
a. Expenses related to the treatment of any Illness within 30 days from the first Policy commencement date shall be excluded except claims
arising due to an Accident, provided the same are covered.
b. This exclusion shall not, however, apply if the Insured Person has continuous coverage for more than twelve months
c. The within referred waiting period is made applicable to the enhanced Sum Insured in the event of granting higher Sum Insured subsequently.
4.1.4. Investigation & Evaluation (Code-Excl04)
a. Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded.
b. Any diagnostic expenses which are not related or not incidental to the current diagnosis and treatment are excluded.
4.1.5. Rest Cure, rehabilitation and respite care (Code-Excl05)
Expenses related to any admission primarily for enforced bed rest and not for receiving treatment. This also includes:
a. Custodial care either at home or in a nursing facility for personal care such as help with activities of daily living such as bathing, dressing,
moving around either by skilled nurses or assistant or non-skilled persons.
b. Any services for people who are terminally ill to address physical, social, emotional and spiritual needs.
4.1.6. Obesity/ Weight Control (Code-Excl06)
Expenses related to the surgical treatment of obesity that does not fulfil all the below conditions:
a. Surgery to be conducted is upon the advice of the Doctor.
b. The surgery/Procedure conducted should be supported by clinical protocols.
c. The member has to be 18 years of age or older and;
d. Body Mass Index (BMI);
i. greater than or equal to 40 or
ii. greater than or equal to 35 in conjunction with any of the following severe co-morbidities following failure of less invasive methods of
weight loss:
1. Obesity-related cardiomyopathy
2. Coronary heart disease
3. Severe Sleep Apnea
4. Uncontrolled Type2 Diabetes
4.1.7. Change-of-Gender treatments (Code-Excl07)
Expenses related to any treatment, including surgical management, to change characteristics of the body to those of the opposite sex.
4.1.8. Cosmetic or plastic Surgery (Code-Excl08)
Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an Accident, Burn(s) or
Cancer or as part of medically necessary treatment to remove a direct and immediate health risk to the insured. For this to be considered a
medical necessity, it must be certified by the attending Medical Practitioner.
4.1.9. Hazardous or Adventure sports (Code-Excl09)
Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports, including but not limited
to, para-jumping, rock climbing, mountaineering, rafting, motor racing, horse racing or scuba diving, hand gliding, sky diving, deep-sea diving.
4.1.10. Breach of law (Code-Excl10)

Product Name: Elixir | Product UIN: NBHHLIP23156V012223

 Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with
criminal intent.
4.1.11. Excluded Providers (Code-Excl11)
Expenses incurred towards treatment in any Hospital or by any Medical Practitioner or any other provider specifically excluded by Us and
disclosed in Our website / notified to the Policyholders are not admissible. However, in case of life threatening situations or following an Accident,
expenses up to the stage of stabilization are payable but not the complete claim.
4.1.12. Treatment for, alcoholism, drug or substance abuse or any addictive condition and consequences thereof. (Code-Excl12)
4.1.13. Treatments received in heath hydros, nature cure clinics, spas or similar establishments or private beds registered as a nursing home attached to
such establishments or where admission is arranged wholly or partly for domestic reasons. (Code-Excl13)
4.1.14. Dietary supplements and substances that can be purchased without prescription, including but not limited to vitamins, minerals and organic
substances unless prescribed by a Medical Practitioner as part of Hospitalization claim or Day Care procedure (Code-Excl14)
4.1.15. Refractive Error (Code-Excl15)
Expenses related to the treatment for correction of eye sight due to refractive error less than 7.5 dioptres.
4.1.16. Unproven Treatments (Code-Excl16)
Expenses related to any unproven treatment, services and supplies for or in connection with any treatment. Unproven treatments are treatments,
procedures or supplies that lack significant medical documentation to support their effectiveness.
4.1.17. Sterility and Infertility (Code-Excl17)
Expenses related to sterility and infertility. This includes:
a. Any type of contraception, sterilization
b. Assisted Reproduction services including artificial insemination and advanced reproductive technologies such as IVF, ZIFT, GIFT, ICSI
c. Gestational Surrogacy
d. Reversal of sterilization
4.1.18. Maternity Expenses (Code-Excl18)
a. Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during Hospitalization)
except ectopic pregnancy;
b. Expenses towards miscarriage (unless due to an Accident) and lawful medical termination of pregnancy during the Policy Period.

4.2. Specific Exclusions

4.2.1. Personal Waiting Periods:

Conditions specified for an Insured Person under Personal Waiting Period in the Policy Schedule will be subject to a Waiting Period of up to 48
months from the inception of the First Policy with Us for that Insured Person and will be covered from the commencement of the third Policy Year
for that Insured Person as long as the Insured Person has been insured continuously under the Policy without any break.
4.2.2. Charges related to a Hospital stay not expressly mentioned as being covered. This will include charges for RMO charges, surcharges and service
charges levied by the Hospital.
4.2.3. Circumcision:
Circumcision unless necessary for the treatment of a disease or necessitated by an Accident.
4.2.4. Conflict & Disaster:
Treatment for any Injury or Illness resulting directly or indirectly from nuclear, radiological emissions, war or war like situations (whether war is
declared or not), rebellion (act of armed resistance to an established government or leader), acts of terrorism.
4.2.5. External Congenital Anomaly:
Screening, counseling or treatment related to external Congenital Anomaly.
4.2.6. Dental/oral treatment:
Treatment, procedures and preventive, diagnostic, restorative, cosmetic services related to disease, disorder and conditions related to natural
teeth and gingiva except if required by an Insured Person while Hospitalized due to an Accident.
4.2.7. Hormone Replacement Therapy:
Treatment for any condition / illness which requires hormone replacement therapy.
4.2.8. Medical & ambulatory devices used at home like BP monitors, Sugar monitors, automation device for peritoneal dialysis, CPAP, BiPAP, Crutches,
wheel chair.
4.2.9. Sexually transmitted Infections & diseases (other than HIV / AIDS):

Product Name: Elixir | Product UIN: NBHHLIP23156V012223

 Screening, prevention and treatment for sexually related infection or disease (other than HIV / AIDS).
4.2.10. Sleep disorders:
Treatment for any conditions related to disturbance of normal sleep patterns or behaviors.
4.2.11. Any expenses incurred on OPD treatment.
4.2.12. Unrecognized Physician or Hospital:
a. Treatment or Medical Advice provided by a Medical Practitioner not recognized by the Medical Council of India or by Central Council of Indian
Medicine or by Central council of Homeopathy.
b. Treatment provided by anyone with the same residence as an Insured Person or who is a member of the Insured Person’s immediate family or
relatives.
c. Treatment provided by Hospital or health facility that is not recognized by the relevant authorities in India.
4.2.13. Treatment related to intentional self-inflicted Injury or attempted suicide by any means.
4.2.14. Artificial life maintenance for the Insured Person who has been declared brain dead or in vegetative state as demonstrated by:
a. Deep coma and unresponsiveness to all forms of stimulation; or
b. Absent pupillary light reaction; or
c. Absent oculovestibular and corneal reflexes; or
d. Complete apnea.
4.2.15. If as per any or all of the medical references herein below containing guidelines and protocols for evidence based medicines, the Hospitalization for
treatment under claim is not necessary or the stay at the Hospital is found unduly long:
a. Medical text books,
b. Standard treatment guidelines as stated in clinical establishment act of Government of India,
c. World Health Organisation (WHO) protocols,
d. Published guidelines by healthcare providers,
e. Guidelines set by medical societies like cardiological society of India, neurological society of India etc.
4.2.16. Permanent Exclusions for Personal Accident Cover
We shall not be liable to make any payment under any benefits under Section 3.12 (Personal Accident Cover) if the claim is attributable to, or
based on, or arises out of, or is directly or indirectly connected to any of the following:
a. Suicide or self-inflicted Injury, whether the Insured Person is medically sane or insane.
b. Treatment for any Injury or Illness resulting directly or indirectly from nuclear, radiological emissions, war or war like situations (whether war is
declared or not), rebellion (act of armed resistance to an established government or leader), acts of terrorism.
c. Service in the armed forces, or any police organization, of any country at war or at peace or service in any force of an international body or
participation in any of the naval, military or air force operation during peace time.
d. Any change of profession after inception of the Policy or any Renewal which results in the enhancement of Our risk, if not accepted and
endorsed by Us on the Policy Schedule.
e. Committing an assault, a criminal offence or any breach of law with criminal intent.
f. Taking or absorbing, accidentally or otherwise, any intoxicating liquor, drug, narcotic, medicine, sedative or poison, except as prescribed by a
Medical Practitioner other than the Policyholder or an Insured Person.
g. Participation in aviation/marine activities (including crew) other than as a passenger in an aircraft/water craft that is authorized by the relevant
regulations to carry such passengers between established airports or ports.
h. Engaging in or taking part in professional/adventure sports or any hazardous pursuits, speed contest or racing of any kind (other than on foot),
bungee jumping, parasailing, ballooning, parachuting, skydiving, paragliding, hang gliding, mountain or rock climbing necessitating the use of
guides or ropes, potholing, abseiling, deep sea diving, polo, snow and ice sports, hunting.

Product Name: Elixir | Product UIN: NBHHLIP23156V012223

5. General Terms and Conditions

5.1. Standard General Terms and Clauses Simplified for you

5.1.1. Free Look Period Free look is a 15 / 30 days period during

The Free Look Period shall be applicable on new individual health insurance policies and not on which you can return back your policy, if
renewals or at the time of porting/migrating the policy. you don’t like what you have purchased.
The insured person shall be allowed free look period of fifteen days (thirty days for policies with a term
of 3 years, if sold through distance marketing) 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.
lf the insured has not made any claim during the Free Look Period, the insured shall be entitled to:

i. a refund of the premium paid less any expenses incurred by the Company on medical examination
of the insured person.
Simplified for you
5.1.2. Cancellation
i. The policyholder may cancel this policy by giving 15 days’ written notice and in such an event, the You can cancel your policy whenever you
Company shall refund premium for the unexpired policy period as detailed below. Notwithstanding wish.
anything contained herein or otherwise, no refunds of premium shall be made in respect of
Cancellation where, any claim has been admitted or has been lodged or any benefit has been Note: We will NOT refund any premium if
availed by the insured person under the policy. we have paid a claim.

The below grid shall be applicable for ‘Yearly / Annual/One Time’ premium payment frequency. We will refund part of the premium
depending on how many days your policy
Year 1 has been running for, if there is no claim.
Policy in-force up to Refund of Premium (%)
Up to 30 days 100%
31 to 90 days 50%
91 to 180 days 25%
exceeding 180 days 0%

No refund is applicable for Monthly premium frequencies. Simplified for you

In case of death of an Insured, pro-rate refund of the premium for the deceased insured will be If we ever cancel your policy, it will be for
refunded, provided there is no history of claim. Fraud or Non disclosure only. Insurance
contract is a legal contract too and it’s
ii. The Company may cancel the policy at any time on grounds of misrepresentation non-disclosure
based on trust.
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.

5.1.3. Renewal of Policy

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.

Product Name: Elixir | Product UIN: NBHHLIP23156V012223

 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 (15 days in case of other than single premium policies) 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.

5.1.4. Possibility of Revision of Terms of the Policy Including the Premium Rates
The Company, with prior approval of IRDAI, may revise or modify the terms of the Policy including the
premium rates. The Insured Person shall be notified three months before the changes are effected.

5.1.5. 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. ln 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 final discharge of its liability under the policy.

5.1.6. Fraud
lf any claim made by the insured person, is in any respect fraudulent, or if any false statement, or Fraud is an action by you or anyone
declaration is made or used in support thereof, or if any fraudulent means or devices are used by the acting on your behalf where you receive
insured person or anyone acting on his/her behalf to obtain any benefit under this policy, all benefits benefits, financial or otherwise, for which
under this policy and the premium paid shall be forfeited. you are either not eligible at all or not to
the extent under the policy.
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 Pay your renewal premium before end
jointly and severally liable for such repayment to the insurer. of policy period to maintain continuity of
benefits. A grace period is also available
For the purpose of this clause, the expression “fraud” means any of the following acts committed to pay the premium after policy expiry.
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: Note: You are NOT insured during the
a) the suggestion, as a fact of that which is not true and which the insured person does not believe to grace period.
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.

Product Name: Elixir | Product UIN: NBHHLIP23156V012223

5.1.7. Withdrawal of Policy Simplified for you
i. ln 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. We will cancel your policy, will not pay
any claim, will not refund any premium
ii. lnsured Person will have the option to migrate to similar health insurance product available with paid and have right to take all possible
the Company at the time of renewal with all the accrued continuity benefits such as cumulative legal action against you including for
bonus, waiver of waiting period as per IRDAI guidelines, provided the policy has been maintained recovery of benefits paid earlier, if
without a break • You withheld any information
5.1.8. Redressal of Grievance: from us, whole or part that would
ln case of any grievance the Insured Person may contact the company through: have invited any decision other
Website: www.nivabupa.com than a ‘standard acceptance’ of
Toll free: 1860-500-8888 your application for insurance.
E-mail: Email us through our service platform https://rules.nivabupa.com/customer-service/ Note: Non standard decisions are:
(Senior citizens may write to us at: [email protected]) ̶ Loading – We ask for
Fax: 011-4174-3397 additional premium
Courier: Customer Services Department ̶ Exclusions – We apply a
D-5, 2nd Floor, Logix Infotech Park additional waiting period
opp. Metro Station, Sector 59, Noida, for health conditions or
Uttar Pradesh, 201301 treatments
̶ Rejection – We hate to do
lnsured person may also approach the grievance cell at any of the company's branches with the this. But sometimes are
details of grievance. If lnsured person is not satisfied with the redressal of grievance through one of compelled to say no to a
the above methods, Insured Person may contact the grievance officer at: customer
Head – Customer Services
D-5, 2nd Floor, Logix Infotech Park IMPORTANT: We understand you
opp. Metro Station, Sector 59, Noida,
may not know how important is
Uttar Pradesh, 201301
the information on your health
Contact No: 1860-500-8888
and it’s impact on your policy.
Fax No: 011-4174-3397
Email ID: Email our Grievance officer through our Grievance Redressal platform https:// Hence it’s very important
transactions.nivabupa.com/pages/grievance-redressal.aspx that you disclose all health
For updated details of grievance officer, kindly refer the link https://www.nivabupa.com/customer- information and we would
care/health-services/grievance-redressal.aspx decide how important (we call it
If the Insured Person is not satisfied with the above, they can escalate to our Grievance Redressal ‘material’) it is.
officer through our platform https://transactions.nivabupa.com/pages/grievance-redressal.aspx.
• Cause fraud of any kind
lf lnsured person is not satisfied with the redressal of grievance through above methods, the
Insured Person may also approach the office of lnsurance Ombudsman of the respective area/
region for redressal of grievance as per lnsurance Ombudsman Rules 2017 (Refer below Annexure).
Grievance may also be lodged at IRDAI lntegrated Grievance Management System –
bimabharosa.irdai.gov.in

Product Name: Elixir | Product UIN: NBHHLIP23156V012223

5.1.9. Claim settlement (Provision for Penal interest) Simplified for you
i. The Company shall settle or reject a claim, as the case may be, within 30 days from the date of
receipt of last necessary document. We will provide our decision on
ii. ln the case of delay in the payment of a claim, the Company shall be liable to pay interest to the claim within 30 days (45 days for
policyholder from the date of receipt of last necessary document to the date of payment of claim investigated cases) from submission of
at a rate 2% above the bank rate. all necessary claim documents. For any
delay in payment of claim, we will pay
iii. However, where the circumstances of a claim warrant an investigation in the opinion of the
interest on the claim amount at a rate
Company, it shall initiate and complete such investigation at the earliest, in any case not later
2% above bank rate.
than 30 days from the date of receipt of last necessary document- ln such cases, the Company
shall settle or reject the claim within 45 days from the date of receipt of last necessary document.
iv. ln case of delay beyond stipulated 45 days, the Company shall be liable to pay interest to the
policyholder at a rate 2% above the bank rate from the date of receipt of last necessary document
to the date of payment of claim.
(Explanation: “Bank rate” shall mean the rate fixed by the Reserve Bank of lndia (RBl) at the
beginning of the financial year in which claim has fallen due)
Simplified for you
5.1.10. Moratorium Period
After completion of eight continuous years under the Policy no look back to be applied. This period of After 8 years, no health insurance claim
eight years is called as moratorium period. The moratorium would be applicable for the sums insured shall be contestable except for proven
of the first Policy and subsequently completion of 8 continuous years would be applicable from date fraud and permanent exclusions.
of enhancement of sums insured only on the enhanced limits. After the expiry of Moratorium Period
no health insurance claim shall be contestable except for proven fraud and permanent exclusions
specified in the Policy contract. The policies would however be subject to all limits, sub limits, co-
payments, deductibles as per the Policy contract.
Simplified for you
5.1.11. Multiple Policies
i. ln case of multiple policies taken by an insured person during a period from one or more insurers In case you have multiple policies, you
to indemnify treatment costs, the insured person shall have the right to require a settlement of can choose the policy from which you
his/her claim in terms of any of his/her policies. ln all such cases the insurer chosen by the insured want to claim first.
person shall be obliged to settle the claim as long as the claim is within the limits of and according
to the terms of the chosen policy.
ii. lnsured person having multiple policies shall also have the right to prefer claims under this
policy for the amounts disallowed under any other policy / policies even if the Sum Insured is If claim amount exceeds the Sum
not exhausted. Then the insurer shall independently settle the claim subject to the terms and Insured of first policy you claim from;
conditions of this policy. then you can claim the balance amount
from the second policy.
iii. lf the amount to be claimed exceeds the Sum Insured under a single policy, the insured person
shall have the right to choose insurer from whom he/she wants to claim the balance amount.
iv. Where an insured person has policies from more than one insurer to cover the same risk on
indemnity basis, the insured person shall only be indemnified the treatment costs in accordance
with the terms and conditions of the chosen policy. Simplified for you
5.1.12. Migration
The Insured Person will have the option to migrate the Policy to other health insurance products / You can shift your policy to any other
plans offered by the Company policy by applying for migration of the policy at least 30 days before health insurance product / plan offered
the policy renewal date as per IRDAI guidelines on Migration. If such person is presently covered and by us as per migration guidelines.
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.

Product Name: Elixir | Product UIN: NBHHLIP23156V012223

 For Detailed Guidelines on migration, kindly refer the link https://www.irdai.gov.in/ADMINCMS/cms/
whatsNew_Layout.aspx?page=PageNo3987&flag=1

5.1.13. Portability Simplified for you

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 You can also shift your policy to
not earlier than 60 days from the policy renewal date as per IRDAI guidelines related to portability. any other insurer as per portability
If such person is presently covered and has been continuously covered without any lapses under any guidelines.
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.

For Detailed Guidelines on portability, kindly refer the link https://www.irdai.gov.in/ADMINCMS/cms/

whatsNew_Layout.aspx?page=PageNo3987&flag=1

5.1.14. Disclosure of Information

The Policy shall be void and all premium paid thereon shall be forfeited to the Company in the event of
misrepresentation, mis-description 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)

5.1.15. Condition Precedent to Admission of Liability

The terms and conditions of the policy must be fulfilled by the insured person for the Company to
make any payment for claim(s) arising under the policy.

5.1.16. Complete Discharge

Any payment to the policyholder, insured person or his/ her nominees or his/ her legal representative
or assignee or to the Hospital, as the case may be, for any benefit under the policy shall be a valid
discharge towards payment of claim by the Company to the extent of that amount for the particular
claim.

5.1.17. Premium Payment in Instalments

lf the insured person has opted for Payment of Premium on an instalment basis i.e. Half Yearly,
Quarterly or Monthly, as mentioned in the policy Schedule/Certificate of insurance, the following
Conditions shall apply (notwithstanding any terms contrary elsewhere in the policy)
i. Grace Period of 30 days in case of single premium policies, and a period of 15 days in case of other
than single premium policies, would be given to pay the instalment premium due for the policy.
ii. During such grace period, coverage will not be available from the due date of instalment premium
till the date of receipt of premium by Company.
iii. The insured person will get the accrued continuity benefit in respect of the “Waiting Periods”,
“Specific Waiting Periods” in the event of payment of premium within the stipulated grace Period.
iv. No interest will be charged lf the instalment premium is not paid on due date
v. ln case of instalment premium due not received within the grace period, the policy will get
canceled.
vi. ln the event of a claim, all subsequent premium instalments shall immediately become due and
payable.

Product Name: Elixir | Product UIN: NBHHLIP23156V012223

5.2. Specific Terms and Clauses

5.2.1. Automatic Cancellation:

The Policy shall automatically terminate in the event of death of the all Insured Person(s). A refund in
accordance with the table in Section 5.1.2 shall be payable provided that no claim has been admitted
or lodged or not benefit has been availed by the insured person under the policy.

5.2.2. Additional premium (Risk Loading)

i. We may ask for additional premium after due risk evaluation (it’s what referred to as Underwriting)
based on all information provided by you. We will issue policy to you only after you pay us the
additional premium and provide us consent.
ii. We will never ask for more than 100% for any particular health condition and never more than
150% for any individual.
iii. Once applied, Risk loading continues even for all renewals.

5.2.3. Other Renewal Conditions:

a. Renewal Premium:
Renewal premium will alter based on Age.
b. Addition of Insured Persons on Renewal::
If a new member is added in the Policy, either by way of endorsement or at the time of Renewal,
the Pre-existing Disease clause, exclusions, loading (if any) and Waiting Periods will be applicable
afresh for that member.
c. Changes to Sum Insured on Renewal:
You may opt for enhancement of Sum Insured at the time of Renewal, subject to underwriting.
All Waiting Periods as defined in the Policy shall apply afresh for this enhanced limit from the
effective date of such enhancement.
d. Split of policy for child:
Child under an individual policy with 2 or more members, will get a separate policy at renewal
after attaining age 31 years.
5.2.4. Claims
a. Cashless claim facility is available at our network hospitals ONLY. As list of network hospitals is
dynamic, for the latest list, refer to our website www.nivabupa.com.
b. Documents required with claim form:

Hospital / Medical records:

• Original Discharge summary with first and subsequent consultation papers.
• Original Final Hospital bill with detailed break-up and payment receipt (including pharmacy
bills).
• Laboratory investigation reports with supporting prescriptions.
• MLC/First Information Report (FIR) (in accident cases).

Policyholder documents (Nominee in case of death of Policyholder):

• KYC documents
• Cancelled cheque

Product Name: Elixir | Product UIN: NBHHLIP23156V012223

 IMPORTANT:
• All documents MUST be submitted within 30 days from discharge.
• For any delay in submission, You MUST provide the reasons in writing. We will condone
such delay on merits (i.e. reasons beyond your control).
• You MUST submit all claim related documents for expenses within the Deductible amount
(if applicable).
• We reserve the right to check and investigate the hospital / medical records from any
doctor, Hospital, clinic, individual or institution.
c. The expenses that are not covered or subsumed into room charges / procedure charges / costs of
treatment are placed as Annexure I.
d. If you opt for a Hospital room which is higher than the eligible room category as specified in
your Policy Schedule, then We will pay only a pro-rated portion of the total Associated Medical
Expenses (including surcharge or taxes thereon) as per the following formula:
(Eligible Room Rent limit / Room Rent actually incurred) * total Associated Medical
ExpensesAssociated Medical Expenses shall include Room Rent, nursing charges, Medical
Practitioners’ fees and operation theatre charges.
e. For any hospitalization, we will pay for items included in the bill by the Hospital during the
duration of hospitalization. Items not included in the bill will not be paid.

5.2.5. Policy Disputes

Any dispute concerning the interpretation of the terms, conditions, limitations and/or exclusions
contained herein shall be governed by Indian law and shall be subject to the jurisdiction of the Indian
Courts.

5.2.6. Territorial Jurisdiction

All claims shall be payable in India in Indian Rupees only.

5.2.7. Alteration to the Policy

This Policy constitutes the complete contract of insurance. Any change in the Policy will only be
evidenced by a written endorsement signed and stamped by Us. No one except Us can within the
permission of the IRDAI change or vary this Policy.

5.2.8. Assignment
The Policy can be assigned subject to applicable laws.

5.2.9. Sum Insured(s)

In case of Individual policy, Sum Insured means the total of the Base Sum Insured and Booster Sum
Insured (if applicable). Our maximum, total and cumulative liability for all claims during the Policy Year
will be Sum Insured and amount provided under ReAssure benefit.

The sequence of utilization of Sum Insured will be as below:

1. Base Sum Insured
2. Booster Sum Insured
3. Safeguard/Safeguard+ Sum Insured
4. ReAssure
If the Policy Period is 2 years or 3 years, then the Sum Insured shall be applied separately for each
Policy Year in the Policy Period.All claims paid (except for Health Check-up) will reduce the Sum
Insured for the Policy Year in which the insured event has occurred. Any claim admitted under Pre
& Post Hospitalization shall reduce the Sum Insured for the Policy Year in which Hospital admission
claim has incurred.

Product Name: Elixir | Product UIN: NBHHLIP23156V012223

 5.2.10. Premium Calculation
The premium will be charged as per the age at entry for the first 10 years of the policy. Provided that
the policy is renewed without break.

After the first 10 years, premium will be charged as per the age at that point in time (10th renewal).
Premium will be continued to be charged as per this age for next 10 years. Again, the policy must be
renewed without break.

The same process of charging premium for the age for block of 10 years will continue perpetually as
long as the policy continues.

It is important to note that the premium table for different ages may change over time owing to
reasons like portfolio experience, medical inflation etc.

Niva Bupa Health Insurance Company Limited

Registered office:- C-98, First Floor, Lajpat Nagar, Part 1, New Delhi-110024

Disclaimer: Niva Bupa Health Insurance Company Limited (formerly known as Max Bupa Health Insurance Company Limited) (IRDAI Registration No. 145). ‘Bupa’ and ‘HEARTBEAT’ logo are registered trademarks
of their respective owners and are being used by Niva Bupa Health Insurance Company Limited under license. Registered Office Address: C-98, First Floor, Lajpat Nagar, Part 1, New Delhi-110024, Customer Helpline
No.: 1860-500-8888. Fax: +91 11 41743397. Website: www.nivabupa.com. CIN: U66000DL2008PLC182918. For more details on risk factors, terms and conditions, please read sales brochure carefully before
concluding the sale.

Product Name: Elixir | Product UIN: NBHHLIP23156V012223

 Annexure I - The expenses that are not covered or subsumed into room charges / procedure charges / costs of treatment
List I – Expenses not covered

Sl. No. Item Sl. No. Item Sl. No. Item

1 BABY FOOD 24 ATTENDANT CHARGES 47 LUMBO SACRAL BELT
2 BABY UTILITIES CHARGES 25 EXTRA DIET OF PATIENT (OTHER THAN 48 NIMBUS BED OR WATER OR AIR BED CHARGES
THAT WHICH FORMS PART OF BED
CHARGE)
3 BEAUTY SERVICES 26 BIRTH CERTIFICATE 49 AMBULANCE COLLAR
4 BELTS/ BRACES 27 CERTIFICATE CHARGES 50 AMBULANCE EQUIPMENT
5 BUDS 28 COURIER CHARGES 51 ABDOMINAL BINDER
6 COLD PACK/HOT PACK 29 CONVEYANCE CHARGES 52 PRIVATE NURSES CHARGES- SPECIAL NURSING
CHARGES
7 CARRY BAGS 30 MEDICAL CERTIFICATE 53 SUGAR FREE Tablets
8 EMAIL / INTERNET CHARGES 31 MEDICAL RECORDS 54 CREAMS POWDERS LOTIONS (Toiletries
are not payable, only prescribed medical
pharmaceuticals payable)
9 FOOD CHARGES (OTHER THAN 32 PHOTOCOPIES CHARGES 55 ECG ELECTRODES
PATIENT's DIET PROVIDED BY
HOSPITAL)
10 LEGGINGS 33 MORTUARY CHARGES 56 GLOVES
11 LAUNDRY CHARGES 34 WALKING AIDS CHARGES 57 NEBULISATION KIT
12 MINERAL WATER 35 OXYGEN CYLINDER (FOR USAGE 58 ANY KIT WITH NO DETAILS MENTIONED
OUTSIDE THE HOSPITAL) [DELIVERY KIT, ORTHOKIT, RECOVERY KIT, ETC]
13 SANITARY PAD 36 SPACER 59 KIDNEY TRAY
14 TELEPHONE CHARGES 37 SPIROMETRE 60 MASK
15 GUEST SERVICES 38 NEBULIZER KIT 61 OUNCE GLASS
16 CREPE BANDAGE 39 STEAM INHALER 62 OXYGEN MASK
17 DIAPER OF ANY TYPE 40 ARMSLING 63 PELVIC TRACTION BELT
18 EYELET COLLAR 41 THERMOMETER 64 PAN CAN
19 SLINGS 42 CERVICAL COLLAR 65 TROLLY COVER
20 BLOOD GROUPING AND CROSS 43 SPLINT 66 UROMETER, URINE JUG
MATCHING OF DONORS SAMPLES
21 SERVICE CHARGES WHERE NURSING 44 DIABETIC FOOT WEAR 67 AMBULANCE
CHARGE ALSO CHARGED
22 TELEVISION CHARGES 45 KNEE BRACES (LONG/ SHORT/ HINGED) 68 VASOFIX SAFETY
23 SURCHARGES 46 KNEE IMMOBILIZER/SHOULDER
IMMOBILIZER

Product Name: Elixir | Product UIN: NBHHLIP23156V012223

 List II – Items that are to be subsumed into Room Charges

Sl. No. Item Sl. No. Item Sl. No. Item

1 BABY CHARGES (UNLESS SPECIFIED/ 14 BED PAN 27 ADMISSION KIT
INDICATED)
2 HAND WASH 15 FACE MASK 28 DIABETIC CHART CHARGES
3 SHOE COVER 16 FLEXI MASK 29 DOCUMENTATION CHARGES /
ADMINISTRATIVE EXPENSES
4 CAPS 17 HAND HOLDER 30 DISCHARGE PROCEDURE CHARGES
5 CRADLE CHARGES 18 SPUTUM CUP 31 DAILY CHART CHARGES
6 COMB 19 DISINFECTANT LOTIONS 32 ENTRANCE PASS / VISITORS PASS CHARGES
7 EAU-DE-COLOGNE / ROOM FRESHNERS 20 LUXURY TAX 33 EXPENSES RELATED TO PRESCRIPTION ON
DISCHARGE
8 FOOT COVER 21 HVAC 34 FILE OPENING CHARGES
9 GOWN 22 HOUSE KEEPING CHARGES 35 INCIDENTAL EXPENSES / MISC. CHARGES (NOT
EXPLAINED)
10 SLIPPERS 23 AIR CONDITIONER CHARGES 36 PATIENT IDENTIFICATION BAND / NAME TAG
11 TISSUE PAPER 24 IM IV INJECTION CHARGES 37 PULSEOXYMETER CHARGES
12 TOOTH PASTE 25 CLEAN SHEET
13 TOOTH BRUSH 26 BLANKET/WARMER BLANKET

List III – Items that are to be subsumed into Procedure Charge

Sl. No. Item Sl. No. Item Sl. No. Item

1 HAIR REMOVAL CREAM 9 WARD AND THEATRE BOOKING CHARGES 17 BOYLES APPARATUS CHARGES
2 DISPOSABLES RAZORS CHARGES (for site 10 ARTHROSCOPY AND ENDOSCOPY 18 COTTON
preparations) INSTRUMENTS
3 EYE PAD 11 MICROSCOPE COVER 19 COTTON BANDAGE
4 EYE SHEILD 12 SURGICAL BLADES, 20 SURGICAL TAPE
HARMONICSCALPEL,SHAVER
5 CAMERA COVER 13 SURGICAL DRILL 21 APRON
6 DVD, CD CHARGES 14 EYE KIT 22 TORNIQUET
7 GAUSE SOFT 15 EYE DRAPE 23 ORTHOBUNDLE, GYNAEC BUNDLE
8 GAUZE 16 X-RAY FILM

List IV – Items that are to be subsumed into costs of treatment

Sl. No. Item Sl. No. Item Sl. No. Item

1 ADMISSION/REGISTRATION CHARGES 7 INFUSION PUMP– COST 13 MOUTH PAINT
2 HOSPITALISATION FOR EVALUATION/ 8 HYDROGEN PEROXIDE\SPIRIT\ 14 VACCINATION CHARGES
DIAGNOSTIC PURPOSE DISINFECTANTS ETC
3 URINE CONTAINER 9 NUTRITION PLANNING CHARGES - DIETICIAN 15 ALCOHOL SWABES
CHARGES- DIET CHARGES
4 BLOOD RESERVATION CHARGES AND 10 HIV KIT 16 SCRUB SOLUTION/STERILLIUM
ANTE NATAL BOOKING CHARGES
5 BIPAP MACHINE 11 ANTISEPTIC MOUTHWASH 17 GLUCOMETER & STRIPS
6 CPAP/ CAPD EQUIPMENTS 12 LOZENGES 18 URINE BAG

Product Name: Elixir | Product UIN: NBHHLIP23156V012223

 ANNEXURE II
List of Insurance Ombudsmen

Office Details Jurisdiction

AHMEDABAD - Shri Kuldip Singh
Office of the Insurance Ombudsman,
Jeevan Prakash Building, 6th floor, Gujarat,
Tilak Marg, Relief Road, Dadra & Nagar Haveli,
AHMEDABAD – 380 001. Daman and Diu
Tel.: 079 - 25501201/02/05/06
Email: [email protected]
BENGALURU - Mr Vipin Anand
Office of the Insurance Ombudsman,
Jeevan Soudha Building,PID No. 57-27-N-19
Ground Floor, 19/19, 24th Main Road, Karnataka
JP Nagar, Ist Phase, Bengaluru – 560 078.
Tel.: 080 - 26652048 / 26652049
Email: [email protected]
BHOPAL - Shri R. M. Singh
Insurance Ombudsman
Office of the Insurance Ombudsman,
Janak Vihar Complex, 2nd Floor, Madhya Pradesh,
6, Malviya Nagar, Opp. Airtel Office, Chhattisgarh
Near New Market, Bhopal – 462 003.
Tel.: 0755 - 2769201 / 2769202
Email: [email protected]
BHUBANESHWAR - Shri Suresh Chandra Panda
Office of the Insurance Ombudsman,
62, Forest park,
Odisha
Bhubaneswar – 751 009.
Tel.: 0674 - 2596461 /2596455
Email: [email protected]
CHANDIGARH - Mr Atul Jerath
Office of the Insurance Ombudsman,
S.C.O. No. 101, 102 & 103, 2nd Floor, Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and
Batra Building, Sector 17 – D, Bahadurgarh), Himachal Pradesh, Union Territories of Jammu &
Chandigarh – 160 017. Kashmir,Ladakh & Chandigarh
Tel.: 0172 - 2706196 / 2706468
Email: [email protected]
CHENNAI - Shri Segar Sampathkumar
Office of the Insurance Ombudsman,
Fatima Akhtar Court, 4th Floor, 453,
Tamil Nadu, PuducherryTown and Karaikal
Anna Salai, Teynampet,
(which are part of Puducherry)
CHENNAI – 600 018.
Tel.: 044 - 24333668 / 24335284
Email: [email protected]
DELHI - Shri Sudhir Krishna
Office of the Insurance Ombudsman,
2/2 A, Universal Insurance Building,
Delhi & following Districts of Haryana -
Asaf Ali Road,
Gurugram, Faridabad, Sonepat & Bahadurgarh
New Delhi – 110 002.
Tel.: 011 - 23232481/23213504
Email: [email protected]

Product Name: Elixir | Product UIN: NBHHLIP23156V012223

Office Details Jurisdiction
GUWAHATI - Shri Somnath Ghosh
Office of the Insurance Ombudsman,
Jeevan Nivesh, 5th Floor,
Assam, Meghalaya, Manipur, Mizoram,
Nr. Panbazar over bridge, S.S. Road,
Arunachal Pradesh, Nagaland and Tripura
Guwahati – 781001(ASSAM).
Tel.: 0361 - 2632204 / 2602205
Email: [email protected]
HYDERABAD - Shri N. Sankaran
Office of the Insurance Ombudsman,
6-2-46, 1st floor, “Moin Court”, Andhra Pradesh,
Lane Opp. Saleem Function Palace, Telangana,
A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004. Yanam and part of Union Territory of Puducherry
Tel.: 040 - 23312122
Email: [email protected]
JAIPUR - Shri Rajiv Dutt Sharma
Office of the Insurance Ombudsman,
Jeevan Nidhi – II Bldg., Gr. Floor,
Bhawani Singh Marg, Rajasthan
Jaipur - 302 005.
Tel.: 0141 - 2740363
Email: [email protected]
ERNAKULAM - Shri G. Radhakrishnan
Office of the Insurance Ombudsman,
2nd Floor, Pulinat Bldg.,
Kerala, Lakshadweep,
Opp. Cochin Shipyard, M. G. Road,
Mahe-a part of Union Territory of Puducherry
Ernakulam - 682 015.
Tel.: 0484 - 2358759 / 2359338
Email: [email protected]
KOLKATA - Shri P. K. Rath
Office of the Insurance Ombudsman,
Hindustan Bldg. Annexe, 4th Floor, West Bengal,
4, C.R. Avenue, Sikkim,
KOLKATA - 700 072. Andaman & Nicobar Islands
Tel.: 033 - 22124339 / 22124340
Email: [email protected]
LUCKNOW Districts of Uttar Pradesh :
Office of the Insurance Ombudsman, Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad,
6th Floor, Jeevan Bhawan, Phase-II, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi,
Nawal Kishore Road, Hazratganj, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur,
Lucknow - 226 001. Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi,
Tel.: 0522 - 2231330 / 2231331 Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang,
Email: [email protected] Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau,
Ghazipur, Chandauli, Ballia, Sidharathnagar
MUMBAI - Shri Bharatkumar S. Pandya
Office of the Insurance Ombudsman,
3rd Floor, Jeevan Seva Annexe, Goa,
S. V. Road, Santacruz (W), Mumbai Metropolitan Region
Mumbai - 400 054. (excluding Navi Mumbai & Thane)
Tel.: 69038821/23/24/25/26/27/28/28/29/30/31
Email: [email protected]

Product Name: Elixir | Product UIN: NBHHLIP23156V012223

 Office Details Jurisdiction
NOIDA - Shri Chandra Shekhar Prasad
State of Uttarakhand and the following Districts of Uttar Pradesh:
Office of the Insurance Ombudsman,
Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah,
Bhagwan Sahai Palace
Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar,
4th Floor, Main Road, Naya Bans, Sector 15,
Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar,
Distt: Gautam Buddh Nagar, U.P-201301.
Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj,
Tel.: 0120-2514252 / 2514253
Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur
Email: [email protected]
PATNA - Shri N. K. Singh
Office of the Insurance Ombudsman,
2nd Floor, Lalit Bhawan,
Bihar,
Bailey Road,
Jharkhand.
Patna 800 001.
Tel.: 0612-2547068
Email: [email protected]
PUNE - Shri Vinay Sah
Office of the Insurance Ombudsman,
Jeevan Darshan Bldg., 3rd Floor, Maharashtra,
C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Areas of Navi Mumbai and Thane
Narayan Peth, Pune – 411 030. (excluding Mumbai Metropolitan Region)
Tel.: 020-41312555
Email: [email protected]

Council for Insurance Ombudsmen,

3rd Floor, Jeevan Seva Annexe,
S. V. Road, Santacruz (W),
Mumbai - 400 054.
Tel.: 022 -69038800/69038812
Email: [email protected]

Product Name: Elixir | Product UIN: NBHHLIP23156V012223