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MAGMA HOUSE, 24 Park Street , Kolkata -700016

(www.magmahdi.com)
IRDA REG NO. 149 DATED 22nd MAY,2012
CIN: U66000WB2009PLC136327
In case of any query, assistance or claims, please contact us at 1800 266 3202
UIN: MAGHLGP21234V022021

Date : 15/07/2022

To,
CAPSTONE POLYWEAVE PRIVATE LIMITED
SP4 319 A, INDUSTRIAL AREA KAROLI, ,KAROLI, ALWAR,
RAJASTHAN
ALWAR
RAJASTHAN 301028
Mobile:9999999999

Dear Sir/Madam,
Subject: Risk Assumption Letter
Thank you for choosing Magma-HDI General Insurance Company Limited as your preferred General Insurance
Company. Please find attached herewith Policy No: P0023200025/6115/100007 which has been issued based on
the information received from you and accordingly, the proposal has been processed.

Coverage of risk is subject to realisation of the full premium post which, insurance coverage under the policy would
commence. In case the premium is not received by us due to cheque dishonour or any other reason, the insurance
cover shall be void ab-initio.

If you require any changes in the certificate of insurance cum policy schedule, you are requested to
inform us by either writing to us at [email protected] or calling our toll free helpline on
1800 266 3202. Absence of any communication from you in this regard within a period of 20 days of
date of this letter, would mean that the issued policy is in order and as per your proposal.

The Risk Assumption Letter is to be read in conjunction with the policy and shall be considered as null and void
without the same.

Thanking You,
Regards

For Magma HDI General Insurance Company Ltd

Authorised Signatory

15/07/2022
 Page 2 of 24

Group Health Insurance

Key Information Sheet

Disclaimer Note: The information mentioned below is illustrative and not exhaustive. The information must be read in conjunction with the policy wordings.
In case of any conflict between the Key Information Sheet and the policy wordings, the terms and conditions mentioned in the policy wordings shall prevail.

Sl.
Title Description Refer to Policy Wordings
No.
1. Product Name Group Health Insurance
2. What is covered under the policy? The policy provides indemnification of medical expenses Policy Schedule
incurred by the Insured during the hospitalization or
outpatient basis (as the case may be) for any illness or injury
suffered during the Policy Period.
3. Optional Add On Covers(As Opted) • Room Rent Capping Benefits covered under the policy: Extension
• Room category Limit Covers
• Pre and Post Hospitalisation Expenses
• Ambulance Cover
• Domiciliary Hospitalisation
• AYUSH Treatment
• Maternity Cover
• Baby Day 1 Cover
• Psychiatric treatment Cover
• Corporate Floater
• 30 day waiting period waiver cover
• Specific disease waiting period reduction cover
• Pre-existing Diseases cover
• Top Up Cover (Aggregate Deductible Cover)
• Co-Payment
• Disease Sub-limit Cover
4. Payout Basis • Cashless or Reimbursement of covered medical expenses up Specific Terms and clauses: Claim Procedure
to specified Sum Insured as per the scope of cover.
5. Terms of Renewal • The policy shall ordinarily be renewable except on grounds Standard General Terms and Conditions:
of fraud, misrepresentation by the insured person. Renewal of Policy
• Renewal shall not be denied on the ground that the insured
had made a claim or claims in the preceding policy years
6. Cancellation The Policyholder may cancel this Policy by giving 15 days' Standard General Terms and Conditions:
written notice and in such an event, the Company shall refund Cancellation/ Termination (other than Free
premium for the unexpired policy period as detailed below: Look cancellation)
We shall cancel the Policy and refund the premium for the
balance of the Policy Period in accordance with the table, after
deducting the amount spent on pre-policy medical check up
by Us, provided that no claim has been made under the Policy
by or on behalf of any Insured Person.
We may cancel the Policy and refund the premium for the
balance of the Policy Period on pro-rata basis, if specified so in
Policy Schedule/Certificate of Insurance.
Notwithstanding 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 availed by the Insured person under the
Policy.
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.

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MAGMA HOUSE, 24 Park Street , Kolkata -700016

(www.magmahdi.com)
IRDA REG NO. 149 DATED 22nd MAY,2012
CIN: U66000WB2009PLC136327
In case of any query, assistance or claims, please contact us at 1800 266 3202
UIN: MAGHLGP21234V022021

Policy Schedule /TAX INVOICE

Group Health Insurance

Policy Details
3RD FLOOR, "PRESTIGE TOWER", E-1, AMARAPALI ROAD, ,VAISHALI NAGAR ,
Policy Issuing Office
JAIPUR -302021 ,RAJASTHAN , PH: (141) 4515600
Policy Number P0023200025/6115/100007
Name of Insured CAPSTONE POLYWEAVE PRIVATE LIMITED
Address of the Insured SP4 319 A, INDUSTRIAL AREA KAROLI, ,KAROLI, ALWAR, RAJASTHAN
ALWAR
RAJASTHAN 301028
Mobile:9999999999
GST Number 08AAGCC8998J1ZS
Policy Period
Start Date & time 00:01 Hrs on 12/07/2022
End Date & time 23:59 hrs on 11/07/2023

Intermediary Details
Intermediary Name Intermediary Code Contact Number
MARSH INDIA INSURANCE BROKERS PVT LTD BRC0000027 7045922442
Other Basic Details
No. of lives insured 267
Details of Persons Insured As per Annexure
Total Sum Insured 29800000
Maximum Sum Insured 500000
Sum Insured Type Family Floater
Premium
Net Premium 570,687.00
CGST @ 9% 51,361.83
SGST @ 9% 51,361.83
Total Premium 673,411.00

Co-Insurance Details:-
Insurer Share (%)
Magma HDI General Insurnace Co. Ltd. 100

Details of Coverage and Sum Insured

Cover Coverage Details
Third Party
Paramount Health Services & Insurance TPA Private Limited
Administrator
Service Category Both Cashless & Reimbursement
Sum Insured Type Floater
Pre-existing
Covered
Disease
Specific disease
Waived off
waiting period
Initial waiting
Waived off
period
Domiciliary
Excluded
Hospitalisation
Family Definition Employee, spouse and 2 children upto the age of 25 years covered under the policy
Age Band 1day - 70 yrs
Sum Insured Sum Insured of Rs.300000,500000 Per family during the policy period of one year.
Pre - Post
Pre and Post Hospitalisation for 30 days & 60 days respectively are covered under the policy.
Hospitalisation
Room Rent is restricted to 2% of SI for Normal & 3% of SI for ICU (Room rent limit incl. of nursing charges). In case of admission in
Room Rent normal room, if insured is admitted in a higher category, then insured will bear difference of all associated medical expenses as in final
hospital bill in same proportion.
Day care
Day care procedures are covered as per Magma HDI Day care list.
procedures
Maternity Benefit
for Normal & C- Maternity not covered
Section
9 Months Waiting
Not covered
Period
Baby Day 1 New born baby covered from day one
Mid-Term
Inclusion of Mid term inclusion of dependents will be possible only in case of: a) spouse (on account of marriage during the policy term), b) children

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dependents (childbirth during the policy term and is covered from day 1) subject to not more than two children being covered in the policy.
Pre/Post Natal
Pre-post natal expenses not covered
Expenses
Co-Payment Copay not applicable
PPN Option Not applicable
Add-Del of Lives Premium to be charged on Pro-Rata basis for addition/deletion endorsement.
Ayush treatment Ayush treatment covered under the policy upto 25% of FSI in govt. recognised hospitals only
Ambulance
Ambulance Charges limited to Rs.1000 Per Person.
Service
Overall Corporate Floater Limit: Rs.1000000 ;Per Family Limit maximum upto FSI/SI.CF is not applicable for maternity related claims and
Corporate Floater
capped ailments.
OPD Cover OPD Not covered
Id cards E-cards to be issued
Special Condition Liability for Nasal Sinus Surgeries upto Rs.35,000; Hospitalisation arising out of Psychiatric ailments upto Rs.30,000;
Special Condition Lasik surgery covered above +/- 7.5
50% Co-Pay for cyberknife treatment, Stem Cell Transplantation, Uterine Artery Embolization and HIFU, Balloon Sinuplasty, Deep Brain
stimulation, Immunotherapy- Monoclonal Antibody to be given as injection, Robotic surgeries, Stereotactic radio surgeries, Bronchical
Special Condition Thermoplasty, Vaporisation of the prostrate (Green laser treatment or holmium laser treatment), IONM - (Intra Operative Neuro
Monitoring). Cochlear Implant treatment and Oral chemotherapy shall be restricted to 50% of the Sum Insured(SI). Intra vitreal injection is
covered upto 50% of SI maximum upto Rs.50,000 per family.
Special Condition No Refund for deletion if lives less than minimum required & if insured has claimed during policy.
Special Condition Internal Congenital disease is covered and external Congenital disease is covered under life threatening situation.
Special Condition Hospitalization due to terrorism is covered under the policy.
Portability/Migration benefit can be availed at the time of retirement or resignation from the services (Provided these events are falling
Portability within the policy period). Portability option is available as per IRDA guideline under the existing retail health products. Standard coverage,
terms & conditions, prevailing underwriting guidelines of retail product would apply.
All reimbursement claims have to be intimated within 15 days of discharge. Claims have to be submitted for reimbursement within 30 days
of date of discharge of the patient. However, the Company may at its absolute discretion consider waiver of this Condition in extreme cases
Claim Intimation
of hardship where it is proved to the satisfaction of the Company that under the circumstances in which the insured was placed it was not
and Submission of
possible for him or any other person to give such notice or file claim within the prescribed time-limit. The claims would invite additional
10% co-payment over and above payable amount only in case of delay in submission of claims beyond 30 days.

Exclusions
Exclusion Exclusion Details
Septoplasty, Infertility & Related Ailments including Male sterility; Treatment on trial/experimental basis; Admin/Registration/Service/Misc.
Exclusion Charges; Expenses on fitting of Prosthesis; Any device/instrument/machine contributing/replacing the function of an organ; Holter Monitoring are
outside the scope of the policy.

IN WITNESS WHEREOF the undersigned being duly authorized by and on behalf of the Company has/have here onto set his/their hands

Premium Collection Details :- [ReceiptDate - Amount] : - 12/07/2022 , 673411

Premium Amount in Word's ( ) :- Six Lakhs Seventy-Three Thousand Four Hundred Eleven Only
Disclaimer:
• This Policy shall be null and voidable initio if the Premium cheque / the valid negotiable instrument as receipted by this company bearing the Collection No is
dishonored by the bank.
• Issuance of the Premium receipt is not a proof of risk acceptance.

For and behalf of Magma HDI General Insurance Company Limited

DULY CONSTITUTED ATTORNEY(S)

GST Number of MHDI - 08AAGCM1685C1ZJ

GST Invoice Number - POL0807230002309
Accounting Code for Service - 997133, Accident and health insurance services

Place of Supply:RAJASTHAN ( 08 )

Whether Tax is payable on Reverse Charge - No

UIN : MAGHLGP21234V022021
This is a valid Tax invoice in terms of Sub-rule 2 of Rule 54 of CGST Rule 2017. Further, being an Insurer, issuing of e-invoice and QR Code are not applicable
on us in terms of Notification No 13 and 14 of 2020 dated 21st March 2020 issued from Central Board of Indirect Taxes and Customs.

Consolidated Stamp Duty on the issue of General Insurance Policies Paid vide G.O No. 105, dated 29.01.2022

Head Office Address: UNIT NO. 1B & 2B, 2ND FLOOR, EQUINOX BUSINESS PARK, TOWER 3, LBS MARG, KURLA (WEST), MUMBAI,
MAHARASHTRA, 400070.
Registered Office address: Development House, 24, Park Street, Kolkata, Pincode - 700016
IRDA REG NO. 149 DATED 22nd MAY, 2012
CIN: U66000WB2009PLC136327
• 1800-266-3202 • [email protected] • www.magmahdi.com

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Group Health Insurance

Preamble
The insurance cover provided under this Policy up to the Sum Insured is and shall be subject to (a) the terms and conditions of this Policy, (b) the receipt of
premium, and (c) Disclosure to information and statements which the Policyholder/ Insured person has provided in the proposal form for all persons to be
insured. Please inform Us immediately of any change in the address, nature of job, state of health, or of any other changes affecting any Insured Person.
If any claim arising as a result of an Illness or Injury that occurred during the Policy Period becomes payable, then We shall pay the Benefits in accordance
with the terms, conditions and exclusions of the Policy subject to availability of Sum Insured.

Definitions
The terms defined below have the meaning ascribed to them wherever they appear in this Policy and, where appropriate, references to the singular include
references to the plural, references to male include female and references to any statutory enactment include subsequent changes, replacements or
amendments to the same:

i. Standard Definitions

Accident: An accident means sudden, unforeseen and involuntary event caused by external, visible and violent means.
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 for Homeopathy; or
c. AYUSH Hospital, standalone or co-located with in-patient healthcare facility of any recognized system of medicine, registered with the local authorities,
wherever applicable, and is under the supervision of a qualified registered AYUSH Medical Practitioner and must comply with the following criterion:
i) Having at least 5 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 Day Care Centre means and includes Community Health Centre (CHC), Primary Health Centre (PHC), Dispensary, Clinic, Poliyclinic or any such health
centre which is registered with the local authorities, wherever applicable and having facilities for carrying out treatment procedures and medical or surgical/
para-surgical interventions or both under the supervision of registered AYUSH Medical Practitioner(s) on day care basis without in-patient services and must
comply with all the following criterion:
i) Having qualified registered AYUSH Medical Practitioner(s) in charge;
ii) Having dedicated AYUSH therapy sections as required and/or has equipped operation theatre where surgical procedures are to be carried out;
iii) Maintaining daily records of patient and making them accessible to the insurance company's authorized representative
Any One Illness: Any one illness means continuous period of illness and includes relapse within 45 days from the date of last consultation with the
Hospital/Nursing Home where treatment was taken.
Cashless facility: 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.
Condition Precedent: Condition Precedent means a policy term or condition upon which the Insurer's liability under the policy is conditional upon.
Congenital Anomaly: 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
Co-Payment: 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 claims amount. A co-payment does not reduce the Sum Insured.
Day Care Centre A day care centre means any institution established for day care treatment of illness and/or injuries or a medical setup with a hospital and
which has been registered with the local authorities, wherever applicable, and is under supervision of a registered and qualified medical practitioner and must
comply with all minimum criteria as under:-
i) has qualified nursing staff under its employment;
ii) has qualified medical practitioner/s in charge;
iii) has fully equipped operation theatre of its own where surgical procedures are carried out;
iv) maintains daily records of patients and will make these accessible to the Insurance company's authorized personnel.
Day Care Treatment Day care treatment means medical treatment, and/or surgical procedure which is:
i. undertaken under General or Local Anaesthesia in a hospital/day care centre in less than 24 hrs because of technological advancement, and
ii. which would have otherwise required hospitalization of more than 24 hours.
Treatment normally taken on an out-patient basis is not included in the scope of this definition.
Dental Treatment Dental treatment means a treatment related to teeth or structures supporting teeth including examinations, fillings (where appropriate),
crowns, extractions and surgery.
Disclosure to information norm The policy shall be void and all premium paid hereon shall be forfeited to the Company in the event of misrepresentation,
mis-description or non-disclosure of any material fact.
Domiciliary Hospitalization 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:
i) the condition of the patient is such that he/she is not in a condition to be removed to a hospital, or
ii) the patient takes treatment at home on account of non-availability of room in a hospital.
Emergency Care Emergency care 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.
Grace Period Grace period means the specified period of time 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.
Hospital A hospital means any institution established for in-patient care and day care treatment of illness and / or injuries and which has been registered as a
hospital with the local authorities under Clinical Establishments (Registration and Regulation) Act 2010 or under enactments specified under the 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 10 in-patient beds in towns having a population of less than 10,00,000 and at least 15 in-patient 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 makes these accessible to the insurance company's authorized personnel.
Hospitalization Hospitalization means admission in a Hospital for a minimum period of 24 consecutive 'In-patient Care' hours except for specified procedures/
treatments, where such admission could be for a period of less than 24 consecutive hours.
Illness 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:
1. it needs ongoing or long-term monitoring through consultations, examinations, check-ups, and /or tests
2. it needs ongoing or long-term control or relief of symptoms
3. it requires rehabilitation for the patient or for the patient to be specially trained to cope with it
4. it continues indefinitely
5. it recurs or is likely to recur

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Injury Injury means accidental physical bodily harm excluding illness or disease solely and directly caused by external, violent, visible and evident means
which is verified and certified by a Medical Practitioner.
Inpatient Care Inpatient care means treatment for which the insured person has to stay in a hospital for more than 24 hours for a covered event.
Intensive Care Unit 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.
ICU Charges 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.
Maternity expenses Maternity expenses means:
a) medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during hospitalization);
b) expenses towards lawful medical termination of pregnancy during the policy period.
Medical Advice Medical Advice means any consultation or advice from a Medical Practitioner including the issuance of any prescription or follow-up
prescription.
Medical Expenses 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.
Medical Practitioner 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 setup by the Government of India or a State Government and is thereby entitled to practice medicine within its
jurisdiction; and is acting within its scope and jurisdiction of licence.
Medically Necessary Treatment Medically necessary treatment means any treatment, tests, medication, or stay in hospital or part of a stay in hospital
which:
i) is required for the medical management of the illness or injury suffered by the insured;
ii) must not exceed the level of care necessary to provide safe, adequate and appropriate medical care in scope, duration, or intensity;
iii) must have been prescribed by a medical practitioner;
iv) must conform to the professional standards widely accepted in international medical practice or by the medical community in India.
Migration means the right accorded to health insurance policyholders (including all members under family cover and members of group health policy), to
transfer the credit gained for pre-existing conditions and time bound exclusions, with the same insurer.
Network Provider Network Provider means hospitals enlisted by an insurer, TPA or jointly by an Insurer and TPA to provide medical services to an insured by
a cashless facility.
New Born Baby New born baby means baby born during the Policy Period and is aged up to 90 days.
Notification of Claim Notification of claim means the process of intimating a claim to the insurer or TPA through any of the recognized modes of
communication.
Non-Network Provider Non-Network means any hospital, day care centre or other provider that is not part of the network.
OPD treatment 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.
Pre-Existing Disease Pre-Existing Disease means 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.
Pre-hospitalization Medical Expenses Pre- hospitalization Medical Expenses means medical expenses incurred during pre-defined number of days
preceding the hospitalization of the Insured Person, provided that:
i. Such Medical Expenses are incurred for the same condition for which the Insured Person's Hospitalization was required, and
ii. The In-patient Hospitalization claim for such Hospitalization is admissible by the Insurance Company.
Post-hospitalization Medical Expenses 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:
i. Such Medical Expenses are for the same condition for which the insured person's hospitalization was required, and
ii. The inpatient hospitalization claim for such hospitalization is admissible by the insurance company.
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.
Reasonable and Customary Charges 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.
Renewal 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.
Room Rent means the amount charged by a Hospital towards Room and Boarding expenses and shall include the associated medical expenses.
Surgery or Surgical Procedure 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 and prolongation of life, performed in a hospital or day care centre
by a medical practitioner.
Unproven/Experimental treatment 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.

Critical Illness for the purpose of this policy means

1. Cancer of Specified Severity
A malignant tumour characterised by the uncontrolled growth and spread of malignant cells with invasion and destruction of normal tissues. This diagnosis
must be supported by histological evidence of malignancy. The term cancer includes leukaemia, lymphoma and sarcoma.
The following are excluded-

• All tumors which are histologically described as carcinoma in situ, benign, pre-malignant, borderline malignant, low malignant potential, neoplasm of
unknown behaviour, or non-invasive, including but not limited to: Carcinoma in situ of breasts, Cervical dysplasia CIN-1, CIN - 2 and CIN-3.
• Any non-melanoma skin carcinoma unless there is evidence of metastases to lymph nodes or beyond;
• Malignant melanoma that has not caused invasion beyond the epidermis;
• All tumors of the prostate unless histologically classified as having a Gleason score greater than 6 or having progressed to at least clinical TNM classification
T2N0M0
• All Thyroid cancers histologically classified as T1N0M0 (TNM Classification) or below;
• Chronic lymphocytic leukaemia less than RAI stage 3
• Non-invasive papillary cancer of the bladder histologically described as TaN0M0 or of a lesser classification
• All Gastro-Intestinal Stromal Tumors histologically classified as T1N0M0 (TNM Classification) or below and with mitotic count of less than or equal to 5/50
HPFs;
• All tumors in the presence of HIV infection.
2. Kidney Failure Requiring Regular Dialysis
End stage renal disease presenting as chronic irreversible failure of both kidneys to function, as a result of which either regular renal dialysis (haemodialysis or
peritoneal dialysis) is instituted or renal transplantation is carried out. Diagnosis has to be confirmed by a specialist medical practitioner.
3. Multiple Sclerosis with Persisting Symptoms
The unequivocal diagnosis of Definite Multiple Sclerosis confirmed and evidenced by all of the following:
• Investigations including typical MRI findings which unequivocally confirm the diagnosis to be multiple sclerosis and
• There must be current clinical impairment of motor or sensory function, which must have persisted for a continuous period of at least 6 months.
4. Major Organ/Bone Marrow Transplant

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• One of the following human organs: heart, lung, liver, kidney, pancreas, that resulted from irreversible end-stage failure of the relevant organ, or
• Human bone marrow using haematopoietic stem cells.

The undergoing of a transplant has to be confirmed by a specialist medical practitioner.

The following are excluded:
a) Other stem-cell transplants
b) Where only islets of langerhans are transplanted

5) Open Heart Replacement or Repair of Heart Valves

The actual undergoing of open-heart valve surgery to replace or repair one or more heart valves, as a consequence of defects in, abnormalities of, or disease-
affected cardiac valve(s).
The diagnosis of the valve abnormality must be supported by an echocardiography and the realization of surgery has to be confirmed by a specialist medical
practitioner.
Catheter based techniques including but not limited to, balloon valvotomy /valvuloplasty are excluded.
6) Open Chest CABG (Coronary Artery Bypass Graft)
The actual undergoing of heart surgery to correct blockage or narrowing in one or more coronary artery(s), by coronary artery bypass grafting done via a
sternotomy (cutting through the breast bone) or minimally invasive keyhole coronary artery bypass procedures. .The diagnosis must be supported by a
coronary angiography and the realization of surgery has to be confirmed by a cardiologist.
The following are excluded:
a) Angioplasty and/or any other intra-arterial procedures
7) Stroke resulting in Permanent Symptoms
Any cerebrolvascular incident producing permanent neurological sequelae. This includes infarction of brain tissue, thrombosis in an intra-cranial vessel,
haemorrhage and embolisation from an extra cranial source. Diagnosis has to be confirmed by a specialist medical practitioner and evidenced by typical clinical
symptoms as well as typical findings in CT Scan or MRI of the brain. Evidence of permanent neurological deficit lasting for at least 3 months has to be
produced.
The following are excluded:
i. Transient Ischemic Attacks (TIA)
ii. Traumatic injury of the brain
iii. Vascular disease affecting only the eye or optic nerve or vestibular functions.
8. Permanent Paralysis of Limbs
Total and irreversible loss of use of two or more limbs as a result of injury or disease of the brain or spinal cord. A specialist medical practitioner must be of
the opinion that the paralysis will be permanent with no hope of recovery and must be present for more than 3 months.
9. First Heart Attack of Specified Severity (Myocardial Infarction)
The first occurrence of heart attack or myocardial infarction which means the death of a portion of the heart muscle as a result of inadequate blood supply to
the relevant area.
The diagnosis should be evidenced by all of the following criteria:
• A history of typical clinical symptoms consistent with the diagnosis of Acute Myocardial Infarction (for e.g. typical chest pain).
• New characteristic electrocardiogram changes
• Elevation of infarction specific enzymes, Troponins or other specific biochemical markers.

The following are excluded:

• Non-ST-segment elevation myocardial infarction (NSTEMI) with elevation of Troponins I or T
• Other acute Coronary Syndromes
• Any type of Angina Pectoris
• A rise in cardiac biomarkers or Troponin T or I in absence of overt ischemic heart disease OR following an intra-arterial cardiac procedure.

ii. Specific Definitions

Act of God Perils means and includes lightening, storm, tempest, flood, inundation, subsidence, landslide, earthquake, cyclone, tsunami, volcano and other
similar calamities.
Adventure Sport means any sport or activity, which is potentially dangerous to the Insured Person whether he is trained in such sport or activity or not. Such
sport/activity includes without limitation stunt activities of any kind, adventure racing, base jumping, biathlon, big game hunting, black water rafting, BMX
stunt/obstacle riding, bobsleighing/using skeletons, bouldering, boxing, canyoning, cavin/pot holing, cave tubing, rock climbing/trekking/mountaineering, cycle
racing, cyclo cross, drag racing, endurance testing, hand gliding, harness racing, skiing, high diving (above 5 meters), hunting, ice hockey, ice speedway,
jousting, judo, karate, kendo, lugging, risky manual labour, marathon running, martial arts, micro-lighting, modern pentathlon, motor cycle racing, motor
rallying, parachuting, paragliding/parapenting, piloting aircraft, polo, power lifting, power boat racing, quad biking, river boarding, scuba diving, river bugging,
rodeo, roller hockey, rugby, ski acrobatics, ski doo riding, ski jumping, ski racing, sky diving, small bore target shooting, speed trials/ time trials, triathlon,
water ski jumping, weight lifting or wrestling any type and Professional Sports (Professional sports mean Athletics, Bowling, Cycling, Football, Weightlifting,
Cricket or any other sport for which a person getting compensated).
Age or Aged means age as on last birthday
Annexure means the document attached and marked as Annexure to this Policy
Cover Start Date means the date on which the coverage under the Policy starts for respective Insured person.
Certificate of Insurance means the certificate issued by Us to the insured person confirming the coverage under the Policy.
Diagnostic Tests: Investigations, such as X-Ray or blood tests, to find the cause of the Insured Person's symptoms and medical condition.
Emergency means a severe 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.
Family Floater Policy means a policy named as a Family Floater Policy in the Policy Schedule in terms of which, two or more persons of Insured Person's
family are covered as dependents to Insured Person. The definition of Family shall be as mentioned in Policy Schedule/Certificate of Insurance. For a Floater
policy, Sum Insured is available on Floater basis for the covered family members. Insurer's liability for any and all claims with respect to all family members is
limited to the Sum Insured.
Hospital Only for the purposes of any claim or treatment permitted to be made or taken outside India Hospital (outside India) means an institution (including
nursing homes) established outside India for indoor medical care and treatment of Illness and/or Injuries which has been registered and licensed as such with
the appropriate local or other authorities in the relevant area, wherever applicable, and is under the constant supervision of a medical practitioner. The term
Hospital shall not include a clinic, rest home, or convalescent home for the addicted, detoxification centre, sanatorium, and old age home.
IRDAI means the Insurance Regulatory and Development Authority of India.
Insured Person means the person(s) named in the Policy Schedule/ Certificate of Insurance who are covered under this Policy and in respect of whom the
appropriate premium has been received.
Policy means this Policy document, any annexures thereto and the Policy Schedule including endorsements, if any, Your statements in the proposal form and
the Information Summary Sheet as applicable.
Policy Start Date means the start date of the Policy as specified in the Policy Schedule.
Policy Expiry Date means the date on which the Policy expires as specified in the Policy Schedule.
Policy Period means the period between the Policy Start Date and the Policy Expiry Date as shown in the Policy Schedule.
Policy Year means a period of twelve consecutive months commencing from the Policy Start Date as specified in the Policy Schedule or any anniversary
thereof.
Policy holder means the person named in the Policy Schedule as the policyholder and who has concluded this Policy with Us.
Primary Insured member means Policyholder's employee or a member of covered group who satisfies and continues to satisfy the eligibility criteria as
specified in Policy Schedule and Certificate of Insurance.

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Rehabilitation includes treatment aimed at restoring health or mobility, or to allow a person to live an independent life, such as after a stroke.
Policy Schedule means the schedule issued by Us along with this Policy mentioning the details of the Policyholder and Insured person, period of Policy and
other details. Any changes made to it shall be issued as Endorsement Schedule and shall be considered a part of this Policy.
Shared Accommodation means a Hospital room with two or more patient beds
Sum Insured means :
i) For an Individual Policy, the sum shown in the Policy Schedule/ Product Benefits Table against an Insured Person which represents Our maximum, total and
cumulative liability for any and all claims under the Policy during a Policy Year in respect of that Insured Person.
ii) For a Family Floater Policy, the sum shown in the Policy Schedule/ Product Benefits Table which represents Our maximum, total and cumulative liability for
any and all claims under the Policy during a Policy Year in respect of any and all Insured Persons.
Terrorism/Terrorist Activity means an act, including, but not limited to, the use of force or violence and/or the threat thereof, of any person or group(s) of
persons, whether acting alone or on behalf of or in connection with any organisation(s) or Government(s), committed for political, religious or ideological
purposes or reasons including the intention to influence any government and/or to put the public, or any section of the public, in fear.
TPA or Third Party Administrator means a company registered with the Authority, and engaged by an insurer, for a fee, by whatever name called and as
may be mentioned in the agreement, for providing health services
We/Our/Us means MAGMA HDI General Insurance Company Ltd.
You/Your/Policyholder means the employer or legally constituted group named in the Schedule who has concluded this Policy with Us.

Benefits covered under the policy

Base Covers:

The Benefits under this Policy are subject always to the Sum Insured, any subsidiary limit specified in the Policy Schedule/ Certificate of Insurance, the terms,
conditions, limitations and exclusions mentioned in the Policy and eligibility as per the insurance plan opted for or as shown in the Policy Schedule/Certificate
of Insurance.
Following covers are available as Base covers under the policy. Following Base covers are applicable to your Policy as mentioned in Policy Schedule/ Certificate
of Insurance.
Our maximum liability under each of the opted Base Covers will be a part of and up to Sum Insured as specified in Policy Schedule/Certificate of Insurance for
these covers.

1. Inpatient Care

We shall cover the Reasonable and Customary Charges for the following Medical Expenses incurred by Insured Person if during the Policy Period, he/she
requires Hospitalization on the written Medical Advice of a Medical Practitioner, for any Illness or Injury which is contracted or sustained during the Policy
Period and is covered under this Policy:
a) Medical Practitioners' fees
b) Room Rent and other boarding charges
c) ICU Charges
d) Operation theatre charges
e) Diagnostic procedures' charges
f) Medicines, drugs and other consumables as prescribed by the Medical Practitioner
g)Qualified Nurses' charges
h) Intravenous fluids, blood transfusion, injection administration charges
i) Anaesthesia, Blood, Oxygen, operation theatre charges, surgical appliances
j) The cost of prosthetics and other devices or equipment if implanted internally during a Surgical Procedure
Day Care Treatment
Under this section, We will also cover the Medical Expenses incurred for Day Care Treatment on the written medical advice of a Medical Practitioner following
an Illness or Injury which occurs during the Policy Period, up to the limits specified in the Policy Schedule/Certificate of Insurance. Any OPD treatment
undertaken in a Hospital/Day Care Centre will not be covered under this Benefit. Please refer to Annexure for list of Day Care Treatments.
2. Hospital Cash
If an Insured Person is Hospitalized during the Policy Period then We shall pay the daily cash amount specified in the Policy Schedule /Certificate of Insurance
for each continuous and completed period of 24 hours of Hospitalization provided that:
a. We shall not make any payment under this Benefit to You for more than the number of days of Hospitalisation as specified in Policy Schedule /Certificate of
Insurance
b. A deductible in terms of number of days per Hospitalization event will be applicable if and as specified in Policy Schedule /Certificate of Insurance
c. We shall not make any payment under this Benefit for any diagnosis or treatment arising from or related to pregnancy (whether uterine or extra uterine),
childbirth including caesarean section, medical termination of pregnancy and/or any treatment related to pre and post-natal care of the New Born Baby.
3. Outpatient Cover
We will cover the Reasonable and Customary Charges incurred for availing following services on an out-patient basis to assess Insured Person's health
condition for any Illness or injury as specified in Policy Schedule/Certificate of Insurance
- medically necessary consultations with a Medical Practitioner
- undergoing any Diagnostic Tests prescribed by the Medical Practitioner
- medicines purchased under and supported with a Medical Practitioner's prescription.
- Non surgical and minor surgical procedures which are neither in-patient nor day care procedures
The waiting periods as defined in Section III of this Policy will not be applicable for this Cover. The amount payable under this Benefit shall be up to the limit
shown in the Policy Schedule/Certificate of Insurance.

Extension covers:
Following extension covers are applicable to each insured person under this Policy. The coverage limits are specified in the Policy Schedule/ Certificate of
Insurance. The limits for these covers are applicable for each Insured Person and are included within the Sum Insured limit, unless specified otherwise. All the
waiting periods and Exclusions are applicable to these Extension Covers as well unless specified otherwise.
Corporate Floater:

We will provide coverage for any and all claims in aggregate, under this Policy, up to the amount specified against this Extension Cover, subject to following:

1. This Sum insured can be utilized only after exhaustion of individual member's sum insured

2. The maximum aggregate payable amount to an Insured Person from this Extension Cover will be as specified in Policy Schedule/certificate of Insurance

3. Only the medical condition and/or injuries as defined in Policy Schedule/Certificate of Insurance will be covered under this Extension Cover

4. Any sub-limit if and as applicable to Extension Cover and Base covers will also be applicable for payment of claim under this Extension Cover
Exclusions

i. Standard Exclusions
Waiting Periods: Following waiting periods will be applicable to each Insured Person under this Policy.
• First Thirty Days Waiting Period (Code- Excl03)
i. 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.
ii. This exclusion shall not, however, apply if the Insured Person has Continuous Coverage for more than twelve months.
iii. The within referred waiting period is made applicable to the enhanced sum insured in the event of granting higher sum insured subsequently.
• Specific Diseases Waiting Period (Code- Excl02):
a) Expenses related to the treatment of the following listed conditions, surgeries/treatments shall be excluded until the expiry of 24 months of continuous
coverage, as may be the case after the date of inception of the first policy with the Insurer. This exclusion shall not be applicable for claims arising due to an

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accident.
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.
List of these diseases is:
1. Cataract
2. Stones in biliary and urinary systems
3. Hernia / Hydrocele
4. Hysterectomy for any benign disorder
5. Lumps / cysts / nodules / polyps / internal tumours
6. Gastric and Duodenal Ulcers
7. Surgery on tonsils / adenoids
8. Osteoarthrosis / Arthritis / Gout / Rheumatism / Spondylosis / Spondylitis / Intervertebral Disc Prolapse
9. Fissure / Fistula / Haemorrhoid
10. Sinusitis / Deviated Nasal Septum / Tympanoplasty / Chronic Suppurative Otitis Media
11. Benign Prostatic Hypertrophy
12. Knee/Hip Joint replacement
13. Dilatation and Curettage
14. Varicose veins
15. Dysfunctional Uterine Bleeding / Fibroids / Prolapse Uterus / Endometriosis
16. Chronic Renal Failure or end stage Renal Failure
17. Internal congenital anomalies/diseases/defects
18. HIV, AIDS
• Pre Existing disease (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 48 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 above defined months for any pre-existing disease is subject to the same being declared at the time of
application and accepted by us.

We will not be liable to make any payment under this Policy under any circumstances, for any claim in respect of any Insured Person, directly or indirectly for,
caused by or arising from or in any way attributable to any of the following permanent exclusions. In case extension covers are opted, respective permanent
exclusion(s) stand deleted to the extent of coverage as per terms and conditions of that Extension cover.
• Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof.(Code- Excl12)
• 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.
• Obesity/ Weight Control: Code- Excl06
Expenses related to the surgical treatment of obesity that does not fulfil all the below conditions:
1. Surgery to be conducted is upon the advice of the Doctor
2. The surgery/Procedure conducted should be supported by clinical protocols
3. The member has to be 18 years of age or older and
4. Body Mass Index (BMI);
a) greater than or equal to 40 or
b) 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:
i. Obesity-related cardiomyopathy
ii. Coronary heart disease
iii. Severe Sleep Apnea
iv. Uncontrolled Type2 Diabetes
• 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.
• Refractive Error (Code Excl15)
Expenses related to the treatment for correction of eye sight due to refractive error less than 7.5 dioptres.
• Treatment 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.
• Sterility and Infertility (Code Excl17)
Expenses related to sterility and infertility. This includes:
i) Any type of contraception, sterilization
ii) Assisted Reproduction services including artificial insemination and advanced reproductive technologies such as IVF, ZIFT, GIFT, ICSI
iv) Gestational Surrogacy
iv) Reversal of sterilization
• Maternity expenses (Code Excl18)
i. medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during hospitalization) except ectopic
pregnancy;
ii. expenses towards miscarriage (unless due to an accident) and lawful medical termination of pregnancy during the policy period.
• Change of Gender treatment (Code Excl07):
Expenses related to any treatment, including surgical management, to change characteristics of the body to those of the opposite sex.
• Excluded Providers (Code Excl11):
Expenses incurred towards treatment in any hospital or by any Medical Practitioner or any other provider specifically excluded by the Insurer and disclosed in
its 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.
List of these have been provided on Our website
• 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.
• 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:
i. 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.
ii. Any services for people who are terminally ill to address physical, social, emotional and spiritual needs.
• Breach of Law (Code Excl10)
Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent.
• 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
•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

ii. Specific Exclusions

•Treatment provided by a Medical Practitioner who is not recognized by the Medical Council of India.
•Treatment of any sexual problem including impotence (irrespective of the cause) or erectile dysfunction.
•Treatment for any sexually transmitted disease, including Genital Warts, Syphilis, Gonorrhoea, Genital Herpes, Chlamydia, Pubic Lice and Trichomoniasis.
•Treatment for sleep apnea, snoring, or any other sleep-related breathing problem.
•Any treatment received outside India.

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•Treatment provided by anyone with the same residence as the Insured Person or who is a member of the Insured Person's immediate family.
•X-Ray or laboratory examinations or other diagnostic studies, not consistent with or incidental to the diagnosis and treatment of the positive existence or
presence of any Illness or Injury, whether or not requiring Hospitalization.
•Treatment for, or arising from, an Injury that is intentionally self-inflicted, including attempted suicide.
•Any treatment arising from and/or taken for Crohn's Disease ,Ulcerative colitis, Cystic kidneys, Neurofibromatosis, Factor V Leiden Thrombophilia, Familial
Hypercholesterolemia, Haemophilia, Hereditary Fructose Intolerance, Hereditary Hemochromatosis, Hereditary Spherocytosis.
•Private nursing/attendant's charges incurred during pre-hospitalization or post-hospitalization.
•Drugs or treatment not supported by prescription.
•Issue of fitness certificate and fitness examinations
•External and/ or durable medical/non-medical equipment of any kind used for diagnosis and/ or treatment, CPAP, CAPD, infusion pump.
•Ambulatory devices, walkers, crutches, belts, collars, caps, splints, slings, braces, stockings of any kind, diabetic foot wear, glucometer/thermometer and also
any medical equipment which is subsequently used at home.
•OPD treatment is not covered. However this exclusion does not apply for Outpatient Cover.
•All preventive care, vaccination including inoculation and immunizations, except if it is certified and recommended by the attending Medical Practitioner as
part of in-patient treatment. However this exclusion does not apply for Outpatient Cover.
•Dental Treatment including Surgical Procedures for the treatment of bone disease when related to gum disease or damage, or treatment for, or treatment
arising from, disorders of the temporomandibular joint. This exclusion does not apply for Outpatient Cover
EXCEPTION: We will pay for a Surgical Procedure wherein the Insured Person Hospitalized as a result of an Accident and which is undertaken for Inpatient Care
in a Hospital and carried out by a Medical Practitioner.
•Any expenses for OPD treatment, or any expenses for drugs or dressings not prescribed for Insured Person's intake within hospitalization period, except as
included in Post-hospitalization Medical Expenses Extension cover. This exclusion does not apply to Outpatient Cover.
•We will not pay for routine eye examinations, contact lenses spectacles, hearing aids, dentures and artificial teeth. This exclusion does not apply for
Outpatient Cover.
•Any treatment modality other than Allopathic Treatment
•Charges related to a Hospital stay not expressly mentioned as being covered. Service charges levied by the Hospital under whatever head. Complete list of
these excluded expenses are mentioned in Annexure II of this Policy. The list is available on our website www.magmahdi.com
•Artificial life maintenance, including life support machine used to sustain a person, incurred after confirmation by the treating doctor that the patient is in
vegetative state.
•Any charges incurred to procure any medical certificate, medical records, treatment or Illness/Injury related documents pertaining to any period of
Hospitalization/Day Care Treatment undertaken for any Illness or Injury.
•Circumcision unless necessary for the treatment of an Illness or disease or necessitated by an Accident.
•Treatment for any Illness or Injury resulting from nuclear or chemical contamination, war, participation in riot, revolution, acts of terrorism or any similar
event (other than natural disaster or calamity)
•Treatment for any External Congenital Anomaly.

General Terms and clauses

Standard General Terms and Conditions
• Disclosure to 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)
• 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
• Claim Settlement (Provision for penal interest)
(i) The Company shall settle or reject a claim, as may be the case, within 30 days from the date of receipt of last necessary document.
(ii) In the case of delay in the payment of a claim, the Company shall be liable to pay interest to the policyholder from the date of receipt of last necessary
document to the date of payment of claim at a rate 2% above the bank rate.
(iii) However, where the circumstances of a claim warrant an investigation in the opinion of the Company, it shall initiate and complete such investigation at
the earliest, in any case not later than 30 days from the date of receipt of last necessary document. In such cases, the Company shall settle or reject the claim
within 45 days from the date of receipt of last necessary document.
(iv) In 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 India (RBI) at the beginning of the financial year in which claim has fallen due.
• Material Change
It is a Condition Precedent to the Our liability under the Policy that the Policyholder/ Insured Person shall immediately notify Us in writing of any material
change in the risk on account of change in the nature of occupation or business at his/her own expense. We may, in Our discretion, adjust the scope of cover
and/or the premium payable, accordingly, in line with our board approved underwriting policy. The Policyholder/Insured Person must exercise the same duty to
disclose those matters to Us before the Renewal, extension, variation, endorsement or reinstatement of the Policy. The Policy terms and conditions may be
altered accordingly.
• Multiple Policies
In case of multiple policies which provide fixed benefits, on the occurrence of insured event in accordance with the terms & conditions of the policies, each
insurer shall make the claim payment independent of payment received under similar health policies.
1. In case of multiple policies taken by an Insured Person during a period from one or more insurers to indemnify treatment costs, the Insured Person shall
have the right to require a settlement of his/her claim in terms of any of his/her policies.
In all such cases the insurer chosen by the insured 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.
2. Insured Person having multiple policies shall also have the right to prefer claim under this policy for the amounts disallowed under any other policy/policies,
even if the sun insured is not exhausted. Then the insurer shall independently settle the claim subject to the terms and conditions of this policy.
3. If the amount to be claimed exceeds the sum insured under a single policy the insured Person shall have the right to choose insurers from whom he/she
wants to claim the balance amount.
4. 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.
• Free Look Provision
The Free Look Period shall be applicable on new individual health insurance policies and not on renewals or at the time of porting/migrating the policy.
The insured shall be allowed a free look provision of fifteen days from date of receipt of the Policy document to review the terms and conditions of the Policy,
and to return the same if not acceptable.
If 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 and the stamp duty charges; or
ii. where the risk has already commenced and the option of return of the Policy is exercised by the insured person, a deduction towards the proportionate risk
premium for period of cover or

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Where only a part of the insurance coverage has commenced, such proportionate premium commensurate with the insurance coverage during such period;
• Cancellation/ Termination (other than Free Look cancellation)
a. The Policyholder may cancel this Policy by giving 15 day's written notice and in such an event, the Company shall refund premium for the unexpired policy
period as detailed below.:
We shall cancel the Policy and refund the premium for the balance of the Policy Period in accordance with the table below, after deducting the amount spent on
pre-policy medical check up by Us, provided that no claim has been made under the Policy by or on behalf of any Insured Person.
We may cancel the Policy and refund the premium for the balance of the Policy Period on pro-rata basis, if specified so in Policy Schedule/Certificate of
Insurance.
Cancellation refund grid for non-credit linked Policy:

Covered up to Days Refund of Premium

7 Up to 90.00%

30 Up to 75.00%

60 Up to 65.00%

90 Up to 50.00%

120 Up to 40.00%

180 Up to 25.00%

240 Up to 15.00%

Exceeding 240 Nil

Cancellation refund grid for credit linked Policy :If policy is taken as linked to loan, following grid will be applicable
Policy Tenure 1 Yr Policy Tenure 2 Yrs Policy Tenure 3 Yrs Policy Tenure 4 Yrs Policy Tenure 5 Yrs

Refund Refund Time of Refund Time of Refund Time of Refund

Time of cancellation Time of cancellation
% % cancellation % cancellation % cancellation %

Up to 1 month 75% Up to 3 month 75% Up to 6 month 75% Up to 1 yr 75% Up to 1 yr 80%

> 1 month to 3 > 3 months to 6 > 6 months to 1 > 1 year to 2 > 1 year to 2
50% 50% 50% 50% 60%
months months year years years
>3 months to 6 > 2 years to 3 > 2 years to 3
25% >6 months to 1 year 25% > 1 year to 2 years 25% 25% 40%
months years years
> 3 years to 4
>6 months Nil > 1 year Nil > 2 year Nil > 3 year Nil 20%
years

> 4 years Nil

Notwithstanding 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 availed by the Insured person under the Policy.
(ii) 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 day's written notice. There would be no refund of premium on cancellation on grounds of misrepresentation, non-disclosure of material facts or fraud.
• 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 mis-statement of or suppression of
material fact are within the knowledge of the insurer.
• Renewal of Policy
The policy shall ordinarily be renewable except on grounds of fraud, misrepresentation by the insured person.
a) The Company shall endeavour to give notice for renewal. However, the Company is not under obligation to give any notice for renewal.
b) Renewal shall not be denied on the ground that the insured had made a claim or claims in the preceding policy years
c) Request for renewal along with requisite premium shall be received by the Company before the end of the Policy Period.
d) 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 with
Break in Policy. Coverage is not available during the grace period.
e) No loading shall apply on renewals based on individual claim experience.
• Withdrawal of Policy;
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.
• Redressal of Grievance
In case of any grievance, the insured person may contact the Company through
Website: www.magmahdi.com
Toll free: 1800 266 3202
E-mail: [email protected]
Fax: 91 033 4401 7471
Courier: Any of Our branch offices or corporate office during business hours
Insured person may also approach the grievance cell at any of the company's branches with the details of grievance.
If Insured Person is not satisfied with the redressal of grievance through one of the above methods, insured person may contact the grievance officer at:
Magma HDI General Insurance Co Ltd
EQUINOX BUSINESS PARK,
UNIT NO. 1B & 2B, 2ND FLOOR,
TOWER 3, LBS MARG, KURLA (WEST),
Mumbai - Maharashtra 400070
For updated details of grivance officer, kindly refer the link https://www.magmahdi.com/grivance-redressal.
If Insured Person is not satisfied with the redressal of grievance through above methods, insured person may may also approach the office of Insurance
Ombudsman of the respective area/region for redressal of grievance as per Insurance Ombudsman Rules, 2017. The contact details of the Insurance
Ombudsman offices have been provided as Annexure-I
Grivance may also be logged at IRDAI Integrated Grivance management system: https://igms.irda.gov.in/
• Complete Discharge
Any payment to the 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.
• 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

15/07/2022
 Page 12 of 24

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 final discharge of its liability under the Policy.
• 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.
• Moratorium Period:
After completion of eight continuous years under the policy no look back to be applied. This period of eight years is called as moratorium period. The
moratorium would be applicable for the sums insured of the first policy and subsequently completion of eight continuous years would be applicable from date 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.
• 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
policy at least 30 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.
For Detailed Guidelines on migration, kindly refer the link https://www.irdai.gov.in/ADMINCMS/cms/whatsNew_Layout.aspx?page=PageNo3987&flag=1
• 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.
For Detailed Guidelines on portability, kindly refer the link https://www.irdai.gov.in/ADMINCMS/cms/whatsNew_Layout.aspx?page=PageNo3987&flag=1
• Premium payment in Instalments:
If 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 15 Days 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 payment till the date of receipt of premium by Company.
iii. The insured person will get the accrued continuity benefits in respect of the “Waiting Periodsâ€, “Specific Waiting Periods†in the event of payment
of premium within the stipulated grace Period.
iv. No interest will be charged If the instalment premium is not paid on due date.
v. In case of instalment premium due not received within the grace period, the policy will get cancelled.
vi. In the event of a claim, all subsequent premium instalments shall immediately become due and payable.
vii. The Company has right to recover and deduct all the pending instalments from the claim amount due under the policy.

ii. Specific Terms and clauses

• Endorsements:
Insured Person/the Policyholder should request for any endorsement in writing. Any endorsement that is accepted by Us shall be effective from the date of the
request as received from Insured Person /the Policyholder, or the date of receipt of premium, whichever is later.
We reserve the rights to do underwriting in case of any such endorsement requests which has a bearing on the premium and/or material risk.
• Communications & Notices
Any communication or notice or instruction under this Policy shall be in writing and will be sent to:
a. To Us, at the address as specified in Policy Schedule and Certificate of Insurance
b. The Policyholder's, at the address as specified in Policy Schedule OR to the Insured Person , at the address as specified in Certificate of Insurance
c. No insurance agents, brokers, other person or entity is authorized to receive any notice on behalf of Us unless explicitly stated in writing by Us
d. Notice and instructions will be deemed served 10 days after posting or immediately upon receipt in the case of hand delivery, facsimile or e-mail.
• Limitation of Liability
If a claim is rejected or partially settled and is not the subject of any pending suit or other proceeding or arbitration, as the case may be, within twelve months
from the date of such rejection or settlement the claim shall be deemed to have been abandoned and Our liability shall be extinguished and shall not be
recoverable thereafter.
• Records to be maintained
The Policyholder or the Insured Person, as the case may be shall keep an accurate record containing all relevant and accurate medical records like in-patient
records, Discharge summary, medical certificates, medical prescriptions, diagnostic reports and reports confirming the need for treatment (if any) and shall
allow Us or our representative(s) to inspect such records. The Policyholder or the Insured Person as the case may be, shall furnish such information as may be
required by Us under this Policy at any time during the Policy Period or until final adjustment (if any) and resolution of all claims under this Policy.
• Geographical Scope
The geographical scope of this Policy applies to events within India unless specified otherwise for any of the Base and/or Extension Covers.
• Policy Disputes
Any and all disputes or differences under or in relation to this Policy herein shall be determined by Indian law and shall be subject to the jurisdiction of the
Indian Courts.
• Assignment
The payment due under any Benefit under this Policy can be assigned in accordance with provisions of applicable law.
• Alteration to the Policy

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This Policy constitutes the complete contract of insurance. Subject to the provisions of applicable law, no change or alteration will be effective or valid unless
approved in writing which will be evidenced by a written endorsement signed and stamped by Us. No one except Us can change or vary this Policy.
• No Constructive Notice
Any knowledge or information of any circumstances or condition in relation to the Policyholder/Insured Person which is in Our possession and not specifically
informed by the Policyholder/ Insured Person shall not be held to bind or prejudicially affect Us notwithstanding subsequent acceptance of any premium.

Claim Procedure
Provided that due adherence/observance and fulfilment of the terms and conditions of this Policy (conditions and all endorsements, Annexures hereon are to be
read as part of this Policy) shall so far as they relate to anything to be done or not to be done by You and / or any Insured Person be a Condition Precedent to
admission of Our liability under this Policy.
On the occurrence or the discovery of any Illness or Injury that may give rise to a claim under this Policy, then as a Condition Precedent to Our liability under
the Policy, the following procedure shall be complied with:
1. For Availing Cashless Facility (Procedure for Domestic Claims )
Cashless facility can be availed only at Our Network Providers. The complete list of Network Providers is available on Our website and and can also be obtained
by contacting Us over the telephone. The updated list of TPA containing complete details is available on Our website www.magmahdi.com.
Cashless facility will be availed through the TPA. The TPA will be contacted on its helpline and must be provided with the membership number, Policy Number
and the name of the Insured Person at least 72 hours before admission to the Hospital for planned Hospitalization and within 24 hours of admission to the
Hospital in case of Emergency Hospitalization. The TPA will also, by fax or e-mail, be provided with details of Hospitalization like diagnosis, name of the
Hospital, duration of stay in the Hospital, estimated expenses of Hospitalization etc. in the prescribed form available with the insurance help desk at the
Hospital. Any additional information as may be required by the medical panel of the TPA must also be furnished. After establishing the admissibility of the claim
under the Policy, the TPA shall provide a pre-authorisation to the Hospital guaranteeing payment of the Hospitalization expenses subject to the Sum Insured,
terms conditions and limitations of the Policy. The authorization shall be issued to the Network Provider within 24 hours of receiving the complete information.
2. For admission in Non-Network Provider or into Network Provider if Cashless facility is not availed (Re-imbursement Claims)
a. Intimation of claim: Preliminary intimation of claim with particulars relating to Policy Number, name of the Insured Person in respect of whom claim is
made, nature of Illness/Injury and name and address of the attending Hospital, must be provided to Us at least 72 hours before admission to the Hospital in
case of planned Hospitalization, and within 24 hours of admission in the Hospital, in case of Emergency Hospitalization
3. Submission of claim: The claim form along with the attending Medical Practitioner's certificate duly filled and signed in all respects with the following claim
documents will be submitted to Us not later than 30 days from the date of discharge from the Hospital.
Mandatory documents
a. Duly completed claim form
b. Test reports and prescriptions relating to first / previous consultations for the same or related illness.
c. Case history / admission-discharge summary describing the nature of the complaints and its duration, treatment given, advice on discharge etc. issued by
the Hospital.
d. Death summary in case of death of the Insured Person at the Hospital.
e. Post Mortem Report, if applicable & if conducted
f. Hospital receipts / bills / cash memos in original (including advance and final Hospital settlement receipts).
g. All test reports for X-rays, ECG, Scan, MRI, Pathology etc., including the Medical Practitioner's prescription advising such tests/investigations (CDs of
angiogram, surgery etc. need not be sent unless specifically sought).
h. Medical Practitioner's prescriptions with cash bills for medicines purchased from outside the Hospital.
i. F.I.R/MLC. in the case of Accidental Injury and English translation of the same, if in any other language.
j. Legal heir certificate in the absence of nomination under the Policy, in case of death of the Insured Person. In the absence of legal heir certificate, evidence
establishing legal heirship may be provided as required by Us.
k. For a) maternity claims, discharge summary mentioning LMP, EDD & Gravida b) Cataract claims - IOL sticker c) PTCA claims - Stent sticker.
l. Copies of health insurance policies held with any other insurer covering the Insured Person(s).
m. If a claim is partially settled by any other insurer, a certificate from the other insurer confirming the final claim amount settled by them and that original
claim documents are retained at their end.
Documents to be submitted if specifically sought:
a. Copy of indoor case records (including Qualified Nurse's notes, OT notes and anaesthetists' notes, vitals chart).
b. Copy of extract of inpatient register.
c. Attendance records of employer/educational institution.
d. Complete medical records (including indoor case records and OP records) of past Hospitalization/treatment, if any.
e. Attending Medical Practitioner's certificate clarifying.
i. reason for Hospitalization and duration of Hospitalization
ii. history of any self-inflicted Injury
iii. history of alcoholism, smoking
iv. history of associated medical conditions, if any
f. Previous master health check-up records/pre-employment medical records, if any.
g. Any other document necessary in support of the claim on case to case basis.
The claim documents should be sent to:
Magma HDI General Insurance Co Ltd
Office No. 516 and 517, 5th Floor,
Neelkanth Corporate Park,
Plot no. 240, 2401/1-8,
Kirol Road, Vidyavihar (West),
Mumbai, Maharashtra 400086
Payment of Claim
• No liability under the Policy will be admitted, if the claim is fraudulent or supported by fraudulent means.
• The Insured Person or any person acting on behalf of the Insured Person, as the case may be, must provide at his/her expense, all the information asked by
Us in relation to the claim and he/she must provide all reasonable cooperation and assistance to Us as may be required.
• If required, the Insured Person or any person acting on behalf of the Insured Person, as the case may be, must give consent to obtain medical reports from
the Medical Practitioner at Our expense.
• If requested by Us, the Insured Person must agree to be examined by a Medical Practitioner of Our choice and at Our expense.
• All claims under this Policy shall be payable in Indian Currency.
• Claims under this Policy shall be settled or rejected, as the case may be, within 30 days of the receipt of the last necessary document.

Office of the Ombudsman Contact Details JURISDICTION

AHMEDABAD Office of the Insurance Ombudsman, Gujarat and Union Territories of Dadra & Nagar Haveli,
Jeevan Prakash Building, 6th floor, Daman and Diu.
Tilak Marg, Relief Road,
Ahmedabad - 380 001.
Tel.: 079 - 25501201/02/05/06
Email: [email protected]
BENGALURU Office of the Insurance Ombudsman, Karnataka
Jeevan Soudha Building,PID No. 57-27-N-19
Ground Floor, 19/19, 24th Main Road,
JP Nagar, Ist Phase,
Bengaluru - 560 078.
Tel.: 080 - 26652048 / 26652049
Email: [email protected]
BHOPAL Madhya Pradesh and Chattisgarh.
Office of the Insurance Ombudsman,
Janak Vihar Complex, 2nd Floor,
6, Malviya Nagar, Opp. Airtel Office,
Near New Market,
Bhopal - 462 003.
Tel.: 0755 - 2769201 / 2769202
Fax: 0755 - 2769203

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Email: [email protected]
BHUBANESHWAR Office of the Insurance Ombudsman, Orissa
62, Forest park,
Bhubneshwar - 751 009.
Tel.: 0674 - 2596461 /2596455
Fax: 0674 - 2596429
Email: [email protected]
CHANDIGARH Office of the Insurance Ombudsman, Punjab, Haryana, Himachal Pradesh, Jammu &
S.C.O. No. 101, 102 & 103, 2nd Floor, Kashmir and Union territory of Chandigarh.
Batra Building, Sector 17 - D,
Chandigarh - 160 017.
Tel.: 0172 - 2706196 / 2706468
Fax: 0172 - 2708274
Email: [email protected]
CHENNAI Office of the Insurance Ombudsman, Tamil Nadu and Union Territories - Pondicherry Town
Fatima Akhtar Court, 4th Floor, 453, and Karaikal (which are part of Union Territory of
Anna Salai, Teynampet, Pondicherry).
CHENNAI - 600 018.
Tel.: 044 - 24333668 / 24335284
Fax: 044 - 24333664
Email: [email protected]
DELHI Office of the Insurance Ombudsman, Delhi
2/2 A, Universal Insurance Building,
Asaf Ali Road,
New Delhi - 110 002.
Tel.: 011 - 23232481/23213504
Email: [email protected]
GUWAHATI Office of the Insurance Ombudsman, Assam, Meghalaya, Manipur, Mizoram, Arunachal
Jeevan Nivesh, 5th Floor, Pradesh, Nagaland and Tripura.
Nr. Panbazar over bridge, S.S. Road,
Guwahati - 781001(ASSAM).
Tel.: 0361 - 2632204 / 2602205
Email: [email protected]
HYDERABAD Office of the Insurance Ombudsman, Andhra Pradesh, Telangana, Yanam and part of
6-2-46, 1st floor, ""Moin Court"", Territory of Pondicherry
Lane Opp. Saleem Function Palace,
A. C. Guards, Lakdi-Ka-Pool,
Hyderabad - 500 004.
Tel.: 040 - 67504123 / 23312122
Fax: 040 - 23376599
Email: [email protected]
JAIPUR Office of the Insurance Ombudsman, Rajasthan
Jeevan Nidhi - II Bldg., Gr. Floor,
Bhawani Singh Marg,
Jaipur - 302 005.
Tel.: 0141 - 2740363
Email: [email protected]
ERNAKULAM Office of the Insurance Ombudsman, Kerala and Union Territory of (a) Lakshadweep (b)
2nd Floor, Pulinat Bldg., Mahe-a part of Union Territory of Pondicherry.
Opp. Cochin Shipyard, M. G. Road,
Ernakulam - 682 015.
Tel.: 0484 - 2358759 / 2359338
Fax: 0484 - 2359336
Email: [email protected]
KOLKATA Office of the Insurance Ombudsman, West Bengal, Sikkim and Union Territories of Andaman
Hindustan Bldg. Annexe, 4th Floor, and Nicobar Islands.
4, C.R. Avenue,
KOLKATA - 700 072.
Tel.: 033 - 22124339 / 22124340
Fax : 033 - 22124341
Email: [email protected]
LUCKNOW Districts of Uttar Pradesh : Laitpur, Jhansi, Mahoba,
Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur,
Office of the Insurance Ombudsman,
Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur, Varanasi,
6th Floor, Jeevan Bhawan, Phase-II,
Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur,
Nawal Kishore Road, Hazratganj,
Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti,
Lucknow - 226 001.
Gonda, Faizabad, Amethi, Kaushambi, Balrampur,
Tel.: 0522 - 2231330 / 2231331
Basti, Ambedkarnagar, Sultanpur, Maharajgang,
Fax: 0522 - 2231310
Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur,
Email: [email protected]
Deoria, Mau, Ghazipur, Chandauli, Ballia,
Sidharathnagar.
MUMBAI Office of the Insurance Ombudsman, Goa, Mumbai Metropolitan Region excluding Navi
3rd Floor, Jeevan Seva Annexe, Mumbai & Thane.
S. V. Road, Santacruz (W),
Mumbai - 400 054.
Tel.: 022 - 26106552 / 26106960
Fax: 022 - 26106052
Email: [email protected]
NOIDA State of Uttaranchal and the following Districts of Uttar
Office of the Insurance Ombudsman,
Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor,
Bhagwan Sahai Palace
Budaun, Bulandshehar, Etah, Kanooj, Mainpuri,
4th Floor, Main Road,
Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya,
Naya Bans, Sector 15,
Pilibhit, Etawah, Farrukhabad, Firozbad,
Distt: Gautam Buddh Nagar,
Gautambodhanagar, Ghaziabad, Hardoi,
U.P-201301.
Shahjahanpur, Hapur, Shamli, Rampur, Kashganj,
Tel.: 0120-2514250 / 2514252 / 2514253
Sambhal, Amroha, Hathras, Kanshiramnagar,
Email: [email protected]
Saharanpur
PATNA Office of the Insurance Ombudsman, Bihar, Jharkhand
1st Floor,Kalpana Arcade Building,
Bazar Samiti Road,
Bahadurpur,
Patna 800 006.
Tel.: 0612-2680952

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Email: [email protected]
PUNE Office of the Insurance Ombudsman, Maharashtra, Area of Navi Mumbai and Thane
Jeevan Darshan Bldg., 3rd Floor, excluding Mumbai Metropolitan Region
C.T.S. No.s. 195 to 198,
N.C. Kelkar Road, Narayan Peth,
Pune - 411 030.
Tel.: 020-41312555
Email: [email protected]

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Annexure

List I - Item for which coverage in not available in the policy

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

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63 PELVIC TRACTION BELT

64 PAN CAN
65 TROLLY COVER
66 UROMETER, URINE JUG
67 AMBULANCE
68 VASOFIX SAFETY

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

Sl No Item
1 BABY CHARGES (UNLESS SPECIFIED/INDICATED)
2 HAND WASH
3 SHOE COVER
4 CAPS
5 CRADLE CHARGES
6 COMB
7 EAU-DE-COLOGNE / ROOM FRESHNERS
8 FOOT COVER
9 GOWN
10 SLIPPERS
11 TISSUE PAPER
12 TOOTH PASTE
13 TOOTH BRUSH
14 BED PAN
15 FACE MASK
16 FLEXI MASK
17 HAND HOLDER
18 SPUTUM CUP
19 DISINFECTANT LOTIONS
20 LUXURY TAX
21 HVAC
22 HOUSE KEEPING CHARGES
23 AIR CONDITIONER CHARGES
24 IM IV INJECTION CHARGES
25 CLEAN SHEET
26 BLANKET/WARMER BLANKET
27 ADMISSION KIT
28 DIABETIC CHART CHARGES
29 DOCUMENTATION CHARGES / ADMINISTRATIVE EXPENSES
30 DISCHARGE PROCEDURE CHARGES
31 DAILY CHART CHARGES
32 ENTRANCE PASS / VISITORS PASS CHARGES
33 EXPENSES RELATED TO PRESCRIPTION ON DISCHARGE
34 FILE OPENING CHARGES
35 INCIDENTAL EXPENSES / MISC. CHARGES (NOT EXPLAINED)
36 PATIENT IDENTIFICATION BAND / NAME TAG
37 PULSEOXYMETER CHARGES

List III - Items that are to be subsumed into Procedure Charges

Sl No Item
1 HAIR REMOVAL CREAM
2 DISPOSABLES RAZORS CHARGES (for site preparations)
3 EYE PAD
4 EYE SHEILD
5 CAMERA COVER
6 DVD, CD CHARGES
7 GAUSE SOFT
8 GAUZE
9 WARD AND THEATRE BOOKING CHARGES
10 ARTHROSCOPY AND ENDOSCOPY INSTRUMENTS
11 MICROSCOPE COVER
12 SURGICAL BLADES, HARMONICSCALPEL,SHAVER
13 SURGICAL DRILL
14 EYE KIT
15 EYE DRAPE
16 X-RAY FILM
17 BOYLES APPARATUS CHARGES
18 COTTON

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19 COTTON BANDAGE
20 SURGICAL TAPE
21 APRON
22 TORNIQUET
23 ORTHOBUNDLE, GYNAEC BUNDLE

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

Sl No Item
1 ADMISSION/REGISTRATION CHARGES
2 HOSPITALISATION FOR EVALUATION/ DIAGNOSTIC PURPOSE
3 URINE CONTAINER
4 BLOOD RESERVATION CHARGES AND ANTE NATAL BOOKING CHARGES
5 BIPAP MACHINE
6 CPAP/ CAPD EQUIPMENTS
7 INFUSION PUMP- COST
8 HYDROGEN PEROXIDE\SPIRIT\ DISINFECTANTS ETC
9 NUTRITION PLANNING CHARGES - DIETICIAN CHARGES- DIET CHARGES
10 HIV KIT
11 ANTISEPTIC MOUTHWASH
12 LOZENGES
13 MOUTH PAINT
14 VACCINATION CHARGES
15 ALCOHOL SWABES
16 SCRUB SOLUTION/STERILLIUM
17 Glucometer& Strips
18 URINE BAG

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Name Of Insured : CAPSTONE POLYWEAVE PRIVATE LIMITED

Details of Lives and Sum Insured:
S No. Emp ID / Insured Name DOB Age Gender Relationship DOJ DOC Sum Insured Plan Name
Member ID
1 21000055 BINOD KUMAR SINGH 06/11/1965 56 Male Self 12/07/2022 12/07/2022 300000
2 21000055 CHAMPA DEVI 01/01/1968 54 Female Wife 12/07/2022 12/07/2022 0
3 21000055 RAVIPRAKASH 14/06/1996 26 Male Son 12/07/2022 12/07/2022 0
4 21000263 TAPAS PATTANAYAK 09/01/1971 51 Male Self 12/07/2022 12/07/2022 300000
5 21000263 VIBHA 07/03/1979 43 Female Wife 12/07/2022 12/07/2022 0
6 21000263 PRIYANSHU 13/08/2005 16 Male Son 12/07/2022 12/07/2022 0
7 21000263 JEYATA 26/10/2007 14 Female Daughter 12/07/2022 12/07/2022 0
8 21000647 JEET SINGH 01/07/1992 30 Male Self 12/07/2022 12/07/2022 300000
9 21000647 RAKHI 25/04/1993 29 Female Wife 12/07/2022 12/07/2022 0
10 21000647 HIMANSHI 24/07/2017 4 Female Daughter 12/07/2022 12/07/2022 0
11 21000647 DIVYA 27/10/2020 1 Female Daughter 12/07/2022 12/07/2022 0
12 21000956 IRFAN KHAN 20/12/1984 37 Male Self 12/07/2022 12/07/2022 300000
13 21000956 ABIDA 01/01/1986 36 Female Wife 12/07/2022 12/07/2022 0
14 21000956 ARAS KHAN 28/03/2015 7 Male Son 12/07/2022 12/07/2022 0
15 21000956 AHSAN KHAN 16/08/2017 4 Male Son 12/07/2022 12/07/2022 0
16 21001141 MD GAFFAR SEKH 10/03/1991 31 Male Self 12/07/2022 12/07/2022 300000
17 21001141 JULI PERWEEN 01/01/1994 28 Female Wife 12/07/2022 12/07/2022 0
MOHAMMAD SAHIL
18 21001141 16/02/2012 10 Male Son 12/07/2022 12/07/2022 0
ANSARI
MOHAMMAD AMAN
19 21001141 26/04/2015 7 Male Son 12/07/2022 12/07/2022 0
ANSARI
YASHWANT KUMAR
20 21001414 25/01/1987 35 Male Self 12/07/2022 12/07/2022 300000
SINGH
21 21001414 JULI DEVI 24/12/1989 32 Female Wife 12/07/2022 12/07/2022 0
22 21001414 JAY KUMAR 31/03/2011 11 Male Son 12/07/2022 12/07/2022 0
23 21001414 PARIDHI YASHWANT 11/01/2016 6 Female Daughter 12/07/2022 12/07/2022 0
PRAMOD KUMAR
24 21001640 01/01/1968 54 Male Self 12/07/2022 12/07/2022 300000
YADAV
25 21001640 SHEELA DEVI 10/10/1970 51 Female Wife 12/07/2022 12/07/2022 0
26 21001640 MANEESH 28/02/2000 22 Male Son 12/07/2022 12/07/2022 0
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SINGH
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LAKHENDRA KUMAR
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82 21001776 NITU 01/01/1993 29 Female Wife 12/07/2022 12/07/2022 0

83 21001848 SANJAY 05/07/1984 38 Male Self 12/07/2022 12/07/2022 300000
84 21001848 SUNITA 01/01/1987 35 Female Wife 12/07/2022 12/07/2022 0
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NAGENDRA KUMAR
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CHOUDHARI
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90 21000937 VIVEK MISHRA 08/07/1994 28 Male Self 12/07/2022 12/07/2022 300000
91 21000937 KIRTI 10/07/1995 27 Female Wife 12/07/2022 12/07/2022 0
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95 506 DILIP KUMAR 13/01/1992 30 Male Self 12/07/2022 12/07/2022 300000
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101 3 APARNA RANI 25/10/2001 20 Female Daughter 12/07/2022 12/07/2022 0
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109 1265 ANITA KANWAR 01/01/1989 33 Female Wife 12/07/2022 12/07/2022 0
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111 1645 KM LAKSHMI 05/07/1992 30 Female Wife 12/07/2022 12/07/2022 0
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124 1308 AVDESH SINGH 12/02/1968 54 Male Self 12/07/2022 12/07/2022 300000
125 1308 HEMLATA CHOUHAN 01/01/1970 52 Female Wife 12/07/2022 12/07/2022 0
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127 1407 SATYA SINGH 01/07/1991 31 Female Wife 12/07/2022 12/07/2022 0
AKHAND PRATAP
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SINGH
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130 10011 SUSHMA UPADHYAY 18/07/1965 56 Female Wife 12/07/2022 12/07/2022 0
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SAMANTA MANJU
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SHREE
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PAWAN KUMAR
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MISHRA
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MUKESH KUMAR
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AGGARWAL
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SANDEEP MAHENDRA
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SHARMA
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SUBASH CHANDRA
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PRADHAN
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165 10624 CHANDRA PRAKASH 10/06/1989 33 Male Self 12/07/2022 12/07/2022 300000

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166 10624 KAJAL KUMARI 15/04/1998 24 Female Wife 12/07/2022 12/07/2022 0

167 10636 MONU RAM 10/06/1988 34 Male Self 12/07/2022 12/07/2022 300000
168 10636 SONIYA 09/02/1997 25 Female Wife 12/07/2022 12/07/2022 0
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180 10666 NEELAM SHARMA 05/10/1996 25 Female Wife 12/07/2022 12/07/2022 0
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183 10675 SUNITA DEVI 02/01/1997 25 Female Wife 12/07/2022 12/07/2022 0
184 10675 ANSH KUMAR 07/04/2021 1 Male Son 12/07/2022 12/07/2022 0
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192 10010053 VIKASH TIWARI 01/01/1989 33 Male Self 12/07/2022 12/07/2022 300000
193 10010053 AMITA DEVI 01/01/1993 29 Female Wife 12/07/2022 12/07/2022 0
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BRIJESH KUMAR
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TIWARI
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PRIYA SHANKAR
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SINGH
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YADAV
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254 10010693 MAYANK BHADOURIA 05/02/1992 30 Male Self 12/07/2022 12/07/2022 300000
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RAMASHANKAR
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KUSHWAHA
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267 10010698 SAGAR 20/05/2013 9 Male Son 12/07/2022 12/07/2022 0

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Branch List

ZONE REGION/STATE LOCATIONS MAILING ADDRESS

CENTRAL CHATTISGARH BILASPUR GROUND FLOOR, KIRTI, RAJENDRA NAGAR,BILASPUR,CHATTISGARH,PIN-495001
2ND FLOOR, BLOCK - 19 , PLOT 1 , DAKHIN GANGOTRI, SUPELA BHILAI- 490023,DURG,CHATTISGARH,PIN-
CENTRAL CHATTISGARH BHILAI
490023
CENTRAL TAMILNADU VELLORE FIRST FLOOR, NO 13,4TH EAST CROSS ROAD, VELLOREVELLORE,DURG,TAMILNADU,PIN-490001
1ST FLOOR, 646/1, ABOVE HDFC BANK, POWER HOUSE ROAD,OPPOSITE SHARDA VIHAR COLONY,
CENTRAL CHATTISGARH KORBA
KORBA,,KORBA,CHATTISGARH,PIN-495677
MADHYA BHAWANI PLAZA, 2ND FLOOR, HOUSE NO.1230, FOURTH BRIDGE, NAPIER TOWN,,JABALPUR,MADHYA
CENTRAL JABALPUR
PRADESH PRADESH,PIN-482001
GROUND FLOOR, NATIONAL HIGHWAY, NEAR STATE BANK OF INDIA ATM,MANENDRAGARH ROAD, NAWAPARA,
CENTRAL CHATTISGARH AMBIKAPUR
AMBIKAPUR, DISTRICT-SARGUJA,,SURGUJA,CHATTISGARH,PIN-497001
MADHYA 3RD FLOOR, T-5, CITY CENTER, PLOT NO 1, PRESS COMPLEX,ZONE-I, M. P. NAGAR,BHOPAL,MADHYA
CENTRAL BHOPAL
PRADESH PRADESH,PIN-462011
MADHYA
CENTRAL GWALIOR 1ST FLOOR, PLOT NO.45-A, ABOVE VLCC,CITY CENTER, GWALIOR,,GWALIOR,MADHYA PRADESH,PIN-474001
PRADESH
MADHYA 2ND FLOOR, PLOT NO-93, SCHEME NO. 47SAPNA SANGEETA, MAIN ROAD,,INDORE,MADHYA PRADESH,PIN-
CENTRAL INDORE
PRADESH 452001
OFFICE NO. 501 & 509-512, 5TH FLOOR,DB CITY, CORPORATE PARK, PLOT NO. 1, BLOCK NO. 9, RAJBANDHU
CENTRAL CHATTISGARH RAIPUR
MAIDAN, RAIPUR,RAIPUR,CHATTISGARH,PIN-492001
EAST WEST BENGAL SILIGURI 1ST FLOOR, ROOM NO-3 & 4, CITY PLAZA, SEVOK ROAD,,DARJEELING,WEST BENGAL,PIN-734001
EAST WEST BENGAL KOLKATA-DCPL 4TH FLOOR, DEVELOPMENT HOUSE,24 PARK STREET,KOLKATA,WEST BENGAL,PIN-700016
EAST WEST BENGAL KOLKATA ZONE 4TH FLOOR, ANUJ CHAMBER, 24 PARK STREET,KOLKATA,WEST BENGAL,PIN-700016
KOLKATA-ANUJ
EAST WEST BENGAL 4TH FLOOR, ANUJ CHAMBER, 24 PARK STREET,KOLKATA,WEST BENGAL,PIN-700016
CHAMBERS
1A, 1ST FLOOR, NILANJANA APARTMENTS, MAHESHMATI, 62/324, RABINDRA AVENUE, PS- ENGLISH
EAST WEST BENGAL MALDA
BAZAAR,MALDA,WEST BENGAL,PIN-732101
2ND FLOOR, "MANJURI APARTMENT", O.T. ROAD, INDIA KHARAGPUR,DISTRICT-PASCHIM MIDNAPUR,WEST
EAST WEST BENGAL KHARAGPUR
MEDINIPUR,WEST BENGAL,PIN-721305
EAST ASSAM GUWAHATI 2ND FLOOR, F FORT, SOUTH SARANIAULUBARI, G S ROAD, GUWAHATI, ASSAM,KAMRUP,ASSAM,PIN-781007
1ST FLOOR, SANJAY ARCADE,MAHATMA GANDHI ROAD, NEAR HEAD POST OFFICE,BHAGALPUR,BIHAR,PIN-
EAST BIHAR BHAGALPUR
812001
EAST BIHAR GAYA 2ND FLOOR, SHANTI MARKET COMPLEX, CHURCH ROAD,GAYA,BIHAR,PIN-823001
2ND FLOOR, "GAHILO GALAXY", KALAM BAGH,AGHORIA BAZAR, MUZAFFARPUR,MUZAFFARPUR,BIHAR,PIN-
EAST BIHAR MUZAFFARPUR
842002
1ST FLOOR,101/102,BLOCK-B,RAJENDRA RAM PLAZAEXHIBITION ROAD,SADAR PATNA,PATNA,BIHAR,PIN-
EAST BIHAR PATNA
800001
1ST FLOOR, "RUPAVATI COMPLEX", OPPOSITE ICICI BANKDHARMA NAGAR, MAIN ROAD,GANJAM,ORISSA,PIN-
EAST ORISSA BERHAMPUR
760001
EAST ORISSA BHUBANESHWAR NIRMALA PLAZA, A1,, FOREST PARK, BHUBANESWAR, KHORDA,KHORDHA,ORISSA,PIN-751009
EAST ORISSA JEYPORE R.K.TOWERS, 1ST FLOOR, M.G.ROADDIST- KORAPUT, P.O.:-JEYPORE,KORAPUT,ORISSA,PIN-764001
1ST FLOOR, NEAR UNION BANK, BALAJI MID TOWN,DAHERI PALI, BUDHARAJA,,SAMBALPUR,ORISSA,PIN-
EAST ORISSA SAMBALPUR
768004
EAST JHARKHAND DHANBAD 4D,4TH FLOOR, SIGNATURE TOWER,KATRASH ROAD, MATKURIA,,DHANBAD,JHARKHAND,PIN-826001
6TH FLOOR, UNIT NO.601, ESTATE PLAZA, ESTATE TIMBER PREMISES, OLD HB ROAD,
EAST JHARKHAND RANCHI
KANTATOLI,,RANCHI,JHARKHAND,PIN-834001
EAST JHARKHAND JAMSHEDPUR 1ST FLOOR, "AVISHKAR BUMBRA ENCLAVE", Q ROAD, BISTUPUR,,East Singhbhum,JHARKHAND,PIN-831001
EAST WEST BENGAL HOWRAH 3RD FLOOR, KRISHNA ENCLAVE, 2/1 BHAJAN LAL LOHIA, HOWRAH,HOWRAH,WEST BENGAL,PIN-711101
5TH FLOOR, BLOCK 4A, UNIT NO. 501, , ECOSPACE BUSINESS PARK,AMBUJA REALTY CAMPUS,ACTION AREA-II,
KOLKATA-
EAST WEST BENGAL NEW TOWN, RAJARHAT,KOLKATA, NEW TOWN, NORTH 24 PARGANAS,NORTH 24 PARGANAS,WEST BENGAL,PIN-
ECOSPACE
700160
OFFICE # 2, 4TH FLR, J N PLAZA, HOLDING # 2271,, BARRACKPUR ROAD,BARASAT, 24 PARGANAS
EAST WEST BENGAL BARASAT
(N),BARASAT,NORTH 24 PARGANAS,WEST BENGAL,PIN-700124
1ST FLOOR, OPP SBI UDITNAGAR BRANCH, GHAFOOR COLONY UDITNAGAR, P.O & P.S: UDIT NAGAR DIST-
EAST ORISSA ROURKELA
SUNDARGARH,SUNDARGARH,ORISSA,PIN-769012
EAST WEST BENGAL ASANSOL 2ND FLOOR,B.B.PLAZA,98(87) G T ROAD , DURGAMANDIR,,BARDHAMAN,WEST BENGAL,PIN-713303
EAST WEST BENGAL BURDWAN 1ST FLOOR, G T ROAD,BHANGAKUTHI,ABOVE HDFC BANK,BARDHAMAN,WEST BENGAL,PIN-713101
EAST WEST BENGAL DURGAPUR 2ND FLOOR, KAWALITY HOTEL COMPLEX, NEAR BHIRINGI MORE,,BARDHAMAN,WEST BENGAL,PIN-713213
NEW DELHI- 4TH FLOOR, UNIT NO-477, AGGARWAL CYBER PLAZA, 2 NETAJI SUBHASH PLACE,,NORTH WEST
NORTH DELHI
PITAMPURA DELHI,DELHI,PIN-110034
2ND FLOOR, PATEL HOUSE, 176 PATEL NAGARABOVE BANK OF BARODA,,DEHRADUN,UTTARAKHAND,PIN-
NORTH UTTARAKHAND DEHRADUN
248001
NORTH HARYANA AMBALA 99, 1ST FLOOR,, ABOVE HDFC BANK, PREM NAGAR, AMBALA CITY, AMBALA,AMBALA,HARYANA,PIN-134001
NORTH HARYANA GURGAON 1ST FLOOR, SCO-37, SECTOR-14,GURGAON,HARYANA,PIN-122001
NORTH PUNJAB JALANDHAR 3RD FLOOR, OPP. FUTURE,GENERALLI, SCO- 5-6, PUDA COMPLEX,,JALANDHAR,PUNJAB,PIN-144001
2ND FLOOR, DADA MOTORS LIMITED, SAVITRI COMPLEX,1 DHOLEWAL CHOWK, G. T.
NORTH PUNJAB LUDHIANA
ROAD,,LUDHIANA,PUNJAB,PIN-141003
NORTH RAJASTHAN JAIPUR 3RD FLOOR, "PRESTIGE TOWER", E-1, AMARAPALI ROAD,VAISHALI NAGAR,JAIPUR,RAJASTHAN,PIN-302021
E-3-4, 1ST FLOOR "SUN PLAZA", MAIN PAL ROAD,NEAR BARAKTULLA STADIUM,,JODHPUR,RAJASTHAN,PIN-
NORTH RAJASTHAN JODHPUR
342003
3RD FLOOR, MEERA COMPLEX, OPPOSITE MEERA GIRLS COLLEGE,SARDARPURA,UDAIPUR,RAJASTHAN,PIN-
NORTH RAJASTHAN UDAIPUR
313001
2ND FLOOR, "SRI MAHENDRA COMPLEX", 5, ELGIN ROAD ( L.B.S.MARG), CIVIL LINES,ALLAHABAD,UTTAR
NORTH UTTAR PRADESH ALLAHABAD
PRADESH,PIN-211001
NORTH UTTAR PRADESH NOIDA 1ST FLOOR,H1 A/16,SECTOR-63GAUTAM BUDDHA NAGAR,NOIDA,UTTAR PRADESH,PIN-201301
5TH FLOOR, HALWASIYA COMMERCE HOUSE, 11 MG MARG, HABIBULLAH ESTATE,
NORTH UTTAR PRADESH LUCKNOW
HAZRATGANJ,LUCKNOW,UTTAR PRADESH,PIN-226001
NORTH UTTAR PRADESH VARANASI JAS MAA COMPLEX, D-58/12, A-2, GANDHI NAGAR,SIGRA,VARANASI,UTTAR PRADESH,PIN-221010
NORTH PUNJAB CHANDIGARH 1ST FLOOR, SCF-75, PHASE 9,MOHALI,Sahibzada Ajit Singh Nagar,PUNJAB,PIN-160062
NORTH RAJASTHAN BIKANER CHUGH MANSION , 1ST FLOOR,OPP. DRM OFFICE,BIKANER,RAJASTHAN,PIN-334001
1ST FLOOR, PLOT 122/728 & 122/729, SHASTRI NAGAR,NEAR CHAIN FACTORY CHAURAHA,,KANPUR
NORTH UTTAR PRADESH KANPUR
NAGAR,UTTAR PRADESH,PIN-208005
NEW DELHI-SANT
NORTH DELHI 8, SANT NAGAR, EAST OF KAILASH, NEW DELHI, SOUTH DELHI,,SOUTH DELHI,DELHI,PIN-110065
NAGAR
ANDHRA
SOUTH TIRUPATI 1ST FLOOR, 9, RAYALCHERUVU ROAD,CHITTOOR,ANDHRA PRADESH,PIN-517501
PRADESH
GROUND FLOOR, "HAJI M BAVA SAHIB COMMERCIAL COMPLEX,TC 25/2890(1), AMBUJAVILSASAM
SOUTH KERALA TRIVANDRUM
ROAD,,THIRUVANANTHAPURAM,KERALA,PIN-695001
ANDHRA 1ST FLOOR, SATYAVANI HEIGHTS, 12/1, ARUNDELPET,DOOR NO.6-12-60 AND 6-12-63, 31-12-
SOUTH GUNTUR
PRADESH 1020,,GUNTUR,ANDHRA PRADESH,PIN-522002
1ST FLOOR,AK EASTATE MISHRA COMPLEX, 2-6-304/7,MUKARAMPURA,
SOUTH TELANGANA KARIMNAGAR
KARIMNAGAR,KARIMNAGAR,TELANGANA,PIN-505001

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2ND FLOOR,OLD: 4-2-129/1,NEW: 15-8210/A,SRINAGAR COLONY,WYRA ROAD,KHAMMAM,TELANGANA,PIN-

SOUTH TELANGANA KHAMMAM
507002
ANDHRA 4TH FLOOR, SURVEY NO. 134/3, PLOT NO. 16,TEACHERS COLONY,GURUNANAK ROAD,
SOUTH VIJAYAWADA
PRADESH PATAMATA,,KRISHNA,ANDHRA PRADESH,PIN-520008
ANDHRA 4TH FLOOR, "SRI CHAMUNDESHWARI PLAZA",HOUSE NO.24/2/418, SARASWATHI NAGAR,,Sri Potti Sriramulu
SOUTH NELLORE
PRADESH Nellore,ANDHRA PRADESH,PIN-524003
ANDHRA DNO. 48-6-23, 1ST FLOOR, SRIRAM SAI GAYATRI COMPLEX,SRINAGAR COLONY, NEAR
SOUTH VISAKHAPATNAM
PRADESH RAMATALKIES,VISAKHAPATNAM,ANDHRA PRADESH,PIN-530016
ANDHRA 3RD FLOOR, SHOP NO-11 AND 12, PSN ESTATE,LTB ROAD, VIZIANAGARAM,,VIZIANAGARAM,ANDHRA
SOUTH VIZIANAGARAM
PRADESH PRADESH,PIN-535003
3RD FLOOR, KANDAKATLAS GATEWAY, BLOCK DSHOP NO 12 & 13, PREMISE NO 5-11-503 & 504, KUC CROSS
SOUTH TELANGANA WARANGAL
ROAD, KAIM NAGAR,Warangal (urban),TELANGANA,PIN-506009
BANGALORE-J C
SOUTH KARNATAKA 1ST FLOOR, HM ASTRID, NO 36 J. C. ROAD,BANGALORE,KARNATAKA,PIN-560002
ROAD
SOUTH KARNATAKA BELGAUM ANNAPURNESWARI,1300 RAMLINGKHIN GALLI,BELGAUM,KARNATAKA,PIN-590001
SHOP NO. 9,YENEPOYA SHOPPING GALLARY,NEAR KARNATAKA BANK, KODIYAL BAIL,,DAKSHINA
SOUTH KARNATAKA MANGALORE
KANNADA,KARNATAKA,PIN-575003
2ND FLOOR, V.A.KALBURGI, HALLMARK BUILDING PINTO ROAD, DESAI CROSS,DHARWAD,KARNATAKA,PIN-
SOUTH KARNATAKA HUBLI
580029
SOUTH KARNATAKA GULBARGA F-7, 1ST FLOOR, ASIAN COMPLEX, CITY MARKET,GULBARGA,KARNATAKA,PIN-585103
SOUTH KARNATAKA MYSORE B S T ARCADE, 1ST FLOOR, NO.71SAUKAR CHANNIAH ROAD, ABOVE P N B,Mysuru,KARNATAKA,PIN-570009
SOUTH KERALA COCHIN 1ST FLOOR, JAIN TOWER, POWER HOUSE, NH BY PASS,VYTILLA,ERNAKULAM,KERALA,PIN-682019
SOUTH KERALA KOTTAYAM 1ST FLOOR, VETTEEL ESTATE, KANJIKUZHYKOTTAYAM-686004, KERALA,KOTTAYAM,KERALA,PIN-686004
SOUTH KERALA CALICUT 4TH FLOOR, "CITY GALLERY", 6/835E, KANNOR ROAD,,KOZHIKODE,KERALA,PIN-673001
SOUTH KERALA TRISSUR 2ND FLOOR, "E TOWN SHOPPING"EAST FORT JUNCTION,THRISSUR,KERALA,PIN-680005
CHENNAI - NELSON MANICKAM ROAD-"NAVIN'S PRESIDIUM", 3RD FLOOR, , N.NO-17-19, OLD NO-103, A
SOUTH TAMILNADU CHENNAI 2 BLOCK,, NELSON MANICKAM ROAD, AMINJAKARAI, EGMORE NUNGAMBAKKAM,CHENNAI,TAMILNADU,PIN-
600029
NAVIN'S PRESIDIUM, 3RD FLOOR, N.M ROAD, NEW NO: 17/19, OLD NO: 103, "B" BLOCK, 3A, NELSON
SOUTH TAMILNADU CHENNAI 1
MANICKAM ROAD,,CHENNAI,TAMILNADU,PIN-600029
SOUTH TAMILNADU COIMBATORE 2ND FLOOR, SRI COMPLEX, NO-1510, TRICHY ROAD,COIMBATORE,TAMILNADU,PIN-641018
3RD FLOOR, RAJA BARLEY BUILDING, 79/2, BYPASS ROAD79/2, BYPASS ROAD,MADURAI,TAMILNADU,PIN-
SOUTH TAMILNADU MADURAI
625001
2ND FLOOR, NO.4/454, RAM COMPLEX, CHINNERY VILADDU,NEAR NEW BUS STAND (WEST), PALLAPATTY
SOUTH TAMILNADU SALEM
POST,,SALEM,TAMILNADU,PIN-636009
UPPER GROUND FLOOR, FAJ PARK, NO. 36 & 37, AMARAR JEEVA STREET, JAILAMIYA, 6TH CROSS, TVS
SOUTH TAMILNADU TRICHY
TOLGATE, TRICHY, TIRUCHIRAPPALLI,TIRUCHIRAPPALLI,TAMILNADU,PIN-620020
OFFICE SPACE NO-24, NEAR OLD CENTRAL THEATRE,SWAMY NELLAIAPPAR HIGH
SOUTH TAMILNADU TIRUNELVELI
ROADSRIPURAM,TIRUNELVELI,TAMILNADU,PIN-627001
SOUTH GUJARAT JAMNAGAR 3RD FLOOR, ROOM NO- 339, MADHAV PLAZA, LAL BUNGLOW,JAMNAGAR,GUJARAT,PIN-361001
SOUTH PONDICHERRY PONDICHERRY 2ND FLOOR,SARABAR PLAZA,NO 110,VILLIANUR MAIN ROAD,PONDICHERRY,PONDICHERRY,PIN-605010
HYDERABAD- 2ND FLOOR, SRINIVASA CHAMBER, PLOT NO.28 & 15, NEAR BIG
SOUTH TELANGANA
KUKATPALLY BAZARMANSOORABAD,HYDERABAD,TELANGANA,PIN-500074
HYDERABAD- NO.202/B,2ND FLOOR , MANDANA TOWERS AT 7-1-59/2 & 59/6, AMEERPET,HYDERABAD,TELANGANA,PIN-
SOUTH TELANGANA
AMEERPET 500016
HYDERABAD
SOUTH TELANGANA 2ND FLOOR, OFFICE NO.202, MANDHANA TOWERAT 7-1-59/2 & 59/6,HYDERABAD,TELANGANA,PIN-500016
ZONE
ANDHRA
SOUTH KURNOOL 1ST FLOOR, SMR SQUARE, NO. 40/37-L-B, RIVER VIEW COLONY,KURNOOL,ANDHRA PRADESH,PIN-518004
PRADESH
SOUTH KERALA KANNUR 2ND FLOOR, J.R.COMPLEX, TALAP ROAD,KANNUR,KERALA,PIN-670004
ANDHRA 36-7-14, 3RD FLOOR, KONDURI SQUARE, KONDURI STREET, INNSPETA,EAST GODAVARI,ANDHRA
SOUTH RAJAHMUNDRY
PRADESH PRADESH,PIN-533101
OFFICE NO. 202, 2ND FLOOR, AURUM AVENUE, MITHAKHALI SIX ROAD,
WEST GUJARAT AHMEDABAD
NAVARANGPURA,AHMEDABAD,GUJARAT,PIN-380006
S/1, 2ND FLOOR, SIGMA OASES, NEAR HDFC BANK, MEHSANA,AHMEDABAD HIGHWAY, NEAR RAJKUMAR
WEST GUJARAT MEHSANA
PETROL PUMP,,MEHSANA,GUJARAT,PIN-384001
OFFICE NO - 204, 2ND FLOOR, GOYAL AVENUE, OPP- L I C OFFICE, BANKING CIRCLE ROADPLOT NO - 318,
WEST GUJARAT GANDHIDHAM
WARD NO - 12-B,KUTCH,GUJARAT,PIN-370201
GROUND FLOOR, (PART-2), YOGI COMMERCIAL COMPLEX,NEAR INDIRA CIRCLE, 150 FEET RING ROAD,
WEST GUJARAT RAJKOT
RAJKOT,RAJKOT,GUJARAT,PIN-360005
5TH FLOOR, OFFICE NO 507& 508, INTERNATIONAL COMMERCE CENTRE,BEHIND KADIWALA SCHOOL, NEAR
WEST GUJARAT SURAT
MAJURA GATE, RING ROAD,SURAT,GUJARAT,PIN-395002
2ND FLOOR, OFFICE NO-1,2 & 3, PATRIOT COMPLEX, BESIDE INOX, RACE COURSE
WEST GUJARAT VADODARA
CIRCLE,VADODARA,GUJARAT,PIN-390007
1ST FLOOR, EAST SIDE OF H.S. KANDI CENTER,(CTS NO: 1300D & 13001), JALNA
WEST MAHARASHTRA AURANGABAD
ROAD,,AURANGABAD,MAHARASHTRA,PIN-431001
MUMBAI- UNIT NO. 1B & 2B, 2ND FLOOR, EQUINOX BUSINESS PARK, TOWER 3, LBS MARG,KURLA
WEST MAHARASHTRA
EQUINOX-(HO) (WEST),,MUMBAI,MAHARASHTRA,PIN-400070
WEST MAHARASHTRA MUMBAI-MALAD 4TH FLOOR, UNIT NO. 401, RISHIKESH APARTMENT, MALAD (W),,MUMBAI,MAHARASHTRA,PIN-400064
MUMBAI- KHODAL CHAMBERS, 2ND FLOOR, UNIT 203 & 204 R B MEHTA MARGNR. DHANJI DEVSHI MUNICIPAL SCHOOL,
WEST MAHARASHTRA
GHATKOPAR GHATKOPAR (E),MUMBAI,MAHARASHTRA,PIN-400077
OFFICE NO. 516 AND 517, 5TH FLOOR, NEELKANTH CORPORATE PARK,PLOT NO. 240, 2401/1-8, KIROL
WEST MAHARASHTRA MUMBAI ZONE
ROAD,VIDYAVIHAR (WEST),MUMBAI,MAHARASHTRA,PIN-400086
WEST MAHARASHTRA NAGPUR 2ND FLOOR, AMBAR, 22/B, TILAK NAGAR NAWAB AREA,HOUSE NO 736,,NAGPUR,MAHARASHTRA,PIN-440010
1ST FLOOR, OFFICE NO-101-104, BODKE PLAZA COMMERCIAL COMPLEX,NEAR DWARKA BUS STOPNASHIK PUNE
WEST MAHARASHTRA NASHIK
ROAD, DWARKA, NASHIK,NASIK,MAHARASHTRA,PIN-422011
WEST MAHARASHTRA PUNE UNIT NO-2&3, 2ND FLOOR, SURVEY NO-30/2/3/1, DHANKAWADI,PUNE,MAHARASHTRA,PIN-411043
MUNOTH EMPRESS, 3RD FLR, OFFICE NO: 312, FINAL PLOT N0.189,NEAR ABEDKAR STATUE, OPP PANVEL BUS
WEST MAHARASHTRA MUMBAI-PANVEL
STAND,RAIGAD,MAHARASHTRA,PIN-410206
WEST MAHARASHTRA SOLAPUR 2ND FLOOR, "JAGJIVAN DAS COMPLEX", 940/1A NORTH SADAR BAZAR,SOLAPUR,MAHARASHTRA,PIN-413003
MUMBAI-MIRA 6TH FLOOR, UNIT NO-604, SAI ARPAN, B-11,SAI COMPLEX, P G VORA ROAD, OPP: SHANTI VIHAR, MIRA ROAD
WEST MAHARASHTRA
ROAD EAST,THANE,MAHARASHTRA,PIN-401107
ROOM NO. 401, 4TH FLOOR, RAMAKRISHNA BHAVAN, SAJANAND CHOWK,AGRA ROAD, KALYAN ROAD, WEST,
WEST MAHARASHTRA MUMBAI-KALYAN
THANE,THANE,MAHARASHTRA,PIN-421301
SHOP NO 16, 1ST FLOOR, MAHAVIR CENTRE,PLOT NO -77, SECTOR- 17,VASHI, NAVI
WEST MAHARASHTRA MUMBAI-VASHI
MUMBAI,THANE,MAHARASHTRA,PIN-400703
UNIT NO. 205, 2ND FLOOR, LOTUS PARK, PLOT NOS. B-18 & B-19, OPPOSITE INDIAN OIL PETROL PUMP,ROAD
WEST MAHARASHTRA MUMBAI-THANE
NO. 16, WAGLE ESTATE, MIDC,,THANE,MAHARASHTRA,PIN-400604
1ST FLOOR, B-WINGS, KATIRA COMPLEX,RTO RELOCATIONS AREA, MADHAPAR
WEST GUJARAT BHUJ
HIGHWAY,,KUTCH,GUJARAT,PIN-370001

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