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Health Insurance for Parents

Health Insurance for Parents

Health Insurance Plans for Parents :

Life is a journey that has its share of ups and down. Unpredictability is something that never comes knocking at anyone’s door. And if we particularly discuss health, then, it is uncertain. You may be in the best of your health today but an unforeseen event can easily you under a lot of stress physically, emotionally, mentally and financially.

We have no control over what may happen tomorrow however it’s important to be prepared to deal with any adversity at any point in time. Talking of the various risks, have you ever thought about the health of the parents? Aging is a natural process and all of our parents are aging. It means that they are prone to various health illnesses, diseases, etc.  Considering the medical inflation, a medical emergency can easily take a toll on the finances. To deal with the same, it’s important to have health insurance for parents in place.

Yes, you read it right. Health insurance is indeed important at every stage of life. Let your parents spend the golden years of life without any financial worries related to health care. 

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8000+ cashless hospitals across country

98%* Claim Settlement ratio

In-House Health Administration Team

What is Health Insurance for Parents?

Health insurance for parents is designed to provide financial security against medical expenses. As parents age, they are more susceptible to health issues, making parents' medical insurance crucial. It covers hospitalisation, pre and post-hospitalisation expenses, and other healthcare costs.

There are chances that with time, your parent may fall ill or be diagnosed with a condition that would make life a little difficult. Sometimes, the diseases may also turn severe due to old age. It could be something as basic as a reduction in bone strength or sometimes unable to carry out everyday tasks.

It’s important to invest in health insurance for the parents so that they do not undergo any financial setbacks due to unforeseen events. Choose comprehensive medical insurance for parents. A plan that offers extensive coverage for different health-related ailments, particularly the ones which are specific to aging. You may also consider choosing either individual health insurance for the parent or include them under a family floater health insurance plan if the parents are less than 65 years of age. A family floater health insurance plan offers mediclaim coverage for different family members under one single plan.

At Bajaj Allianz general insurance , we care for everyone and believe in making a difference. We offer an array of health insurance plans catering to varying age groups and medical needs for minor and critical illnesses as well. In case of an unforeseen event, the medical expenses should not be a barrier for your parents to avail the best health care.

We have an extensive reach of over 8000+ network hospitals PAN India wherein the parents can easily avail themselves of the best medical attention with our care. We also have our Relationship Managers at selected network hospitals. Our RMs will assist you throughout the process of hospitalization till discharge. Our claim settlement ratio is one of the best in the industry and we ensure that you have peace of mind while the parents recover. Parental insurance is an important decision so make sure you make an informed one.  

 

Why Do You Need Health Insurance Plan for Your Parents? Find Out the Benefits

Parents' medical insurance is vital in today's uncertain times. With rising medical costs, health insurance for parents ensures they receive the best medical care without financial strain. These plans cover COVID-19 treatments and hospitalisation and offer cashless services at network hospitals. In these unprecedented times of the global pandemic, it has become more than important to be fully prepared for potential health perils. The Bajaj Allianz health insurance plans not only offer financial security for any regular or critical illnesses. But we offer even more.

We offer health insurance plans that cover the treatment and expenses that would incur due to COVID-19 at a cost-effective premium. An adequate parental health insurance cover is important as it ensures that they avail the best medical treatment. Take a look below to understand the benefits of buying parental insurance online:

This is especially crucial for health insurance for parents above 50, as it helps manage age-related health risks and provides peace of mind for the entire family.

Revised Health Guard - health insurance plan that secures you & your parents, offering Sum Insured from 1.5-50 lakhs with a policy term of up to 3 years. Watch the Video to know more!

  • Medical Expenses Cashless Treatment

    The parents may also avail of the benefit of cashless health insurance in case they visit a network hospital to avail of the treatment. The insured just need to inform the insurance desk in the network hospital. The medical bills will be directly settled between the hospital and the insurance company. Having suitable medical insurance for parents ensures access to the cashless facility at over 8000+ network hospitals in India. 

  • Hospitalization Customize as Per Needs

    The health requirements of every individual are different. Likewise, when it comes to parents their health condition also differs. Now you can opt for a mediclaim policy for parents and customize the plan as per the varying needs.

  • Sum Assured Hassle-free Claim Settlement

    Our in-house claim settlement team ensures a quick, convenient and easy claim settlement process. 

  • Emergency Cash Service Know the Inclusions

    Before you zero down any mediclaim policy, it becomes imperative to know the coverages offered under it. When you buy health insurance for parents online you can easily compare the features and benefits offered and make a decision. While buying a plan ensure that you look forward to coverages for daycare, critical illness, etc. The needs of every parent will differ at every stage of life. Hence, buy a medical policy for parents accordingly. 

  • Discount Tax Benefits

    Under Section 80D of the Income Tax Act, the health insurance premium that is paid to parents is eligible for tax deductions. So, in case you are paying the premium for yourself and your parents who are below 60 years then the tax benefit limit upon the premium is Rs 50, 000. If the parents are 60 years of age and above, then the limit is extended up to Rs 75,000.

    Disclaimer: The tax benefits are subject to change as per the prevailing laws. 

 Watch the video to know more.

HOW DO YOU MAKE A CLAIM UNDER PARENTS HEALTH INSURANCE?

To claim parents' health insurance, notify the insurer within 24 hours of emergency hospitalisation or 48 hours before planned hospitalisation. Submit the required documents, including the claim form, hospital bills, and medical reports. If you have parents medical insurance that specifically covers your health insurance for mother, ensure that the policy details are clearly mentioned when filing the claim. Bajaj Allianz General Insurance Company provides a hassle-free claim process with a high settlement ratio, making it easier to manage your parents' healthcare expenses.

At Bajaj Allianz General Insurance we offer a hassle-free health insurance claim experience. We offer both cashless and reimbursement facilities. Let us delve into understanding the claim process under medical insurance for parents for both of these.

 

The Cashless Claim Procedure :

✓   To avail of the Bajaj Allianz General Insurance cashless benefit, the insured needs to be hospitalized at any of the network hospitals.

✓    The hospital verifies the details and a duly filled pre-authorization form is sent to our respective team.

✓    Our team verifies the details of the pre-authorization request and checks the parents health insurance benefits. Once this is done, the healthcare provider is informed about the same. 

✓   The first response is sent within 60 mins to the healthcare provider.

✓   The treatment expenses at the network hospital get settled by us and the insured/dependents need not worry about the same.

✓   In case we have any queries, a letter for the same is sent to the healthcare provider asking for more details. This helps us to expedite the health insurance for parents claims faster. Once we have clarity on everything, an authorization is sent to the network hospital within 7 working days. Likewise, the parents medical insurance cashless claims get settled.

 

 

✓        First, the insured needs to pay for all the medical expenses from pocket. Collect all the hospitalization-related documents and medical bills. Compile and send it to the insurance company.

✓         A customary verification is carried out by the insurance company. In case there is a need to provide more information, the insured will be intimated

✓        Once the required documents are received, the health insurance claim settlement process is initiated.  The payment is released within 10 working days; however, subject to terms and conditions.

✓        In case the insured fails to provide the pending documents, three reminders are sent, every 10 days apart. This is from the intimate date. If there is no response, the claim will be closed and a letter will be sent stating the same. 

✓        A customary verification regarding the authenticity of the documents is initiated. Once everything is in place, the claim will get settled. 

✓        You can also file your parental insurance policy claim online or call us at the toll-free number 1800-209-5858. 

Life is uncertain, but in the volatility of life, we can always bank upon ourselves. Medical insurance for parents is imperative as it allows them to spend their second innings in peace and not in financial distress.

Note: *Standard T&C apply

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What is Covered Under a Health Insurance Policy for Your Parents?

We are living in unprecedented times. Most of all, an emergency can happen at any point in time. The hospitalization costs can easily put a hole in anyone’s pocket. Take a look below to understand the various coverages offered within health insurance for parents: *This is not an exhaustive list. For more information, please refer to the product brochure.
Hospitalization Expenses

Hospitalization Expenses

Any expense incurred wherein the patient is hospitalized for a minimum of 24 hours consecutively except for certain procedures or treatments. A cover will not be provided if the admission is less than 24 hours.

Pre Hospitalization Expenses

Pre Hospitalization Expenses

A cover is provided for the medical costs incurred during the pre-defined number of days preceding the hospitalization of the person insured.

Post Hospitalization Expenses

Post Hospitalization Expenses

A cover is provided for the medical costs incurred during the pre-defined number of days immediately after the insured person gets discharged.

Pre-existing Disease

Pre-existing Disease

In case any of the parents have a pre-existing ailment it will only be covered after the waiting period is completed. The waiting period differs from disease to disease and insurer to insurer. While buying a plan ensure that you check with the insurance company in regards to the waiting period under the specific parents health insurance.

Ambulance Cover

Ambulance Cover

A cover is provided for the expenses incurred towards transferring to the hospital or between hospitals. This implies both the hospital's ambulance and the ambulance provided by the ambulance service provider up to a certain limit.

Modern Treatment Method

Modern Treatment Method

Modern treatment methods and advancements in technologies are restricted to 50% of the sum insured or up to Rs 5 lakh. It includes oral chemotherapy, intravitreal injections, bronchial thermoplasty, etc.*

 

Types of Health Insurance for Parents

When it comes to parents health insurance, take a look below to understand the types of coverages that can be availed for them:

 

Individual Health Insurance:

As the name suggests, individual health insurance is a type of plan wherein the proposer and family members are covered in the same plan. So, if you plan to insure your parents the sum insured will be separate for each and not shared. Our individual health insurance plan offers multiple sum insured options, pre, and post-hospitalization cover, daily cash benefit, etc. So, if you are looking forward to health insurance for parents above 60 years, you may consider opting for such a plan.

 

Family Floater Health Insurance: 

You may also include your parent who is less than 65 years of age under a family floater health insurance plan. A family health insurance plan allows for the inclusion of multiple members of the family within the same plan with a single premium. Under such a plan, the sum insured is shared by all family members. It offers a cover for daycare procedures, road ambulance cover, etc.

 

Senior Citizen Health Insurance:  

As the age of an individual increase, undoubtedly the care expenses also manifold. If you have a senior citizen at your home, you must consider investing in the senior citizen health insurance plan. These are dedicated plan that caters to different health care needs. The Bajaj Allianz Silver Health Plan* offers both cashless and reimbursement benefits for hospitalization costs due to an illness/ mishap. Anyone between the age of 46 years to 70 years can avail of this plan. 

* For detailed information, please refer to the product brochure.

 

Make your getaway stress-free with Bajaj Allianz!

 

Save Tax with Parent's Health Insurance Policy

When you buy parents health insurance in India, you can avail of **tax benefits under Section 80D. The benefits include deductions on single premium plans, senior citizen health insurance premiums, and preventive health check-ups.

Medical emergencies can easily take away by surprise. Also, to encourage people to choose parental health insurance, the Indian government offers various tax benefits on the health insurance premium. 

Let us explore and understand the medical insurance for parents tax benefits under Section 80D one by one. 

 

Tax Benefit on Single Premium Health Insurance Plan

The health insurance premium that is paid for a multi-year plan in the lump sum is entitled to tax deduction under Section 80D. The tax-deductible sum is upon the total premium that is paid for the policy period. It is subject to the limits of Rs 25,000 or Rs 50,000 respectively. 

 

Tax Benefit Upon Senior Citizen Health Insurance

Any individual who pays the health insurance premium for their parents can claim for tax deduction up to Rs 50,000. The tax deduction limit for the costs incurred on certain illnesses/ ailments for the elderly is up to Rs 1 lakh.

 

Deduction Upon Health Insurance Premium for the Parents

The costs incurred on preventive health check-ups are entitled to tax benefits. Most people are unaware of this aspect, the tax exemption limit for it is Rs 5000.

 

The Deduction on Preventive Health Check-Ups

The tax exemption benefits are also extended on the OPD consultation and diagnostic center expenses. A tax benefit can also be availed upon cash payment. 

*The tax benefit is subject to change as per the prevailing laws. 

 

 

How to Choose Best Health insurance Plan for Parents

Parents always want the best for their children. So as a child it is your responsibility to choose the best health insurance for parents too.

Wondering how to choose medical insurance for parents? Listed below are the parameters to make an informed decision and buy the best health insurance for parents:

 

Entry Age: 

When buying parents health insurance plans make sure to have a look at the entry age. Certain plans offer entry ages between 18 years to 65 years and 46 years to 70 years. If your parent is old you may consider including them in senior citizen health insurance. You may go forward with a plan wherein the entry age is permitted at an advanced age. Also, there is no age cap with lifetime renewability. 

 

Understand the Policy Wordings:

Before you sign below the dotted lines ensure to understand the terms and conditions offered within the policy. The policy wording is crucial, so if you have any doubt or are unable to understand a certain terminology take an understanding of the same. Assess your need and go with a parental insurance plan that fulfills your requirements and is pocket-friendly. 

 

Extensive Coverage:

With time, parents are more prone to various health risks. Henceforth, it's always suggested to opt for a high sum insured. Choose a comprehensive parents medical insurance plan that offers an array of coverages. This ensures that the parents get the best medical treatment and finances do not remain a barrier. 

 

Network Hospitals:

In case you wish to avail a cashless facility, the treatment must be taken at any of the network hospitals. Moreover, it's suggested to go through the list of network hospitals that are associated with the insurance company. It is also better than the reputed hospitals in your nearby areas are also listed. This becomes helpful and convenient in case of an emergency and avail of the maximum benefit of a parents health insurance.

 

Compare Health Insurance Plans:

 When it comes to buying a plan compare mediclaim for parents online. Make a decision based on assessing the features, benefits, add-ons, and premiums offered with a plan. Also, go with the insurance company that has the highest claim settlement ratio. 

 

Waiting Period:

When buying parents health insurance an important aspect to understand is the waiting period for pre-existing ailments. Depending upon the plan, the pre-existing illness may remain covered only after completing the waiting period. It is recommended to opt for a plan that offers a lower waiting period and likewise offers coverage for maximum ailments. 

Besides, do not buy a plan only on the premise of a health insurance premium. Various factors determine the premium and age is one of the crucial aspects. The premium will differ with the individual’s age. So as individual ages, the premium too will increase. Health insurance for senior citizens is on the higher side when compared to any regular health insurance plan. Invest time to buy a suitable medical insurance policy for parents.

*Standard T&C apply

Eligibility Criteria for Mediclaim Policy for Parents

Anyone who plans to buy the Bajaj Allianz Senior Citizen Health Insurance plan should meet certain criteria. The table below highlights the eligibility criteria for mediclaim policy for parents:

Entry Age

46 years to 70 years

Policy Period

Annual policy

Sum Insured

Multiple sum insured options between Rs 50, 000 to Rs 50 lakh

Renewability

Lifelong renewability

*For more details, please go through the policy wordings carefully.

 

Why Should You Opt for Bajaj Allianz Health Insurance Plans for Parents?

By understanding and choosing the right parents' health insurance plan, you can ensure their health needs are met without financial worries. When you decide to buy health insurance for parents in India, it’s important to compare different plans to find one that best suits your parents' specific healthcare needs. Look for a health insurance that covers parents comprehensively, including benefits like hospitalisation, pre and post-hospitalisation expenses, and critical illness coverage. The medical insurance for parents offers extensive medical coverage at cost-effective premiums. Now, you can customize the health insurance for parents as per what suits their needs and ensure peace of mind.

Bajaj Allianz General Insurance Company offers various options tailored to the needs of aging parents, ensuring they receive the best possible care without putting a strain on your finances. For detailed information, refer to the Bajaj Allianz General Insurance Company website.

 

Network Hospitals

8000+ across the country

Claim Settlement Ratio

98%*

Claim Process

Cashless and Reimbursement facility

Health Administration Team

We have an in-house health administration team to expedite the health insurance claim process

Health CDC (Claim by Direct Click)

An app-based feature that lets the policyholder keep track of the claims. The insured can make claims up to Rs 20,000 easily

Sum Insured

We offer multiple sum insured options. We have innovative packages to match individual needs

Extensive Coverage

Comprehensive coverage for both planned or emergency hospitalization based on the selected sum insured

Top Up Plan

Enhance the coverage of the existing health insurance plan. It allows you to avail benefits over and above the regular health insurance plan

Add-on Cover

You may enhance the existing parental insurance by including add-on riders such as the Health Prime Rider, etc.

 

Best Health Insurance Plans for Parents by Bajaj Allianz General Insurance

The table below shows the top health insurance plans for parents offered by Bajaj Allianz General Insurance that you may consider buying online for the secured future of your parents:

 

Plan Name

Entry Age

Plan Type

Health Guard

18 years to 65 years

Individual/Family floater

Health Infinity

18 years to 65 years

Individual policy

Arogya Sanjeevani Policy

18 years to 65 years

Individual/Family floater

Critical Illness 

18 years to 65 years

Individual policy

Premium Personal Guard

18 years to 65 years

 

*This is offered to only Risk Class- I includes administrative/ managing functions, doctors, accountants, architects, lawyers, teachers & likewise occupation

Extra Care

18 years to 70 years

Floater policy with a single premium for the family

 

*The policy can be taken as add on cover to the existing hospitalization – medical expenses policy

Extra Care Plus

91 days to 80 years

Floater policy

 

*Additional cover to the existing health insurance cover

M-Care

18 years to 65 years

Individual and Floater policy

Criti Care

18 years to 65 years

Individual

 

*This can be bought only offline

Global Health Care

18 years to 65 years

Individual

Silver Health

46 years to 70 years

Individual

 

Download Global Health Care Documents

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Important points to note before buying Health Insurance Policy for Your Parents

  • Inclusions

  • Exclusions

Hospitalization Expenses

Read more

Any expense incurred wherein the patient is hospitalized for a minimum of 24 hours consecutively except for certain procedures or treatments. A cover will not be provided if the admission is less than 24 hours.

 Pre Hospitalization Expenses

Read more

A cover is provided for the medical costs incurred during the pre-defined number of days preceding the hospitalization of the person insured.

Post Hospitalization Expenses

Read more

A cover is provided for the medical costs incurred during the pre-defined number of days immediately after the insured person gets discharged.

Pre-existing Disease

Read more

In case any of the parents have a pre-existing ailment it will only be covered after the waiting period is completed. The waiting period differs from disease to disease and insurer to insurer. While buying a plan ensure that you check with the insurance company in regards to the waiting period under the specific parents health insurance. 

Ambulance Cover

Read more

A cover is provided for the expenses incurred towards transferring to the hospital or between hospitals. This implies both the hospital's ambulance and the ambulance provided by the ambulance service provider up to a certain limit. 

Modern Treatment Method

Read more

Modern treatment methods and advancements in technologies are restricted to 50% of the sum insured or up to Rs 5 lakh. It includes oral chemotherapy, intravitreal injections, bronchial thermoplasty, etc.*

*This is not an exhaustive list. For more information, please refer to the product brochure. 

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Any disease that is contracted during the initial days of the policy commencement

Any dental treatment that comprises dentures, dental implants, etc. unless as a result of accidental bodily injury to natural teeth

Any medical expenses incurred due to invasion, war, etc. 

Non-allopathic medicines

All costs incurred due to treating AIDS or any related disorders

Any treatment or ailment arising due to drugs or intoxication/alcohol

Cosmetic or plastic surgery 

Joint replacement surgery unless necessitated other than due to an accident has a waiting period of 4 years

Treatment of any psychiatric or mental illness

Change of gender treatment

Any expense related to participation in hazardous or adventure sports

Diseases or ailment like piles, hernia, hysterectomy, cataract, benign prostatic hypertrophy, bariatric surgery, etc. remains uncovered until a waiting period of 1 year

*For more details, please refer to the product brochure carefully.

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Simplify

Health Insurance for Parents FAQs

1. Can I obtain health insurance if my parents have a pre-existing condition?

Yes, you may obtain a health insurance plan that covers pre-existing ailments. This will be subject to the waiting period offered under the plan. When buying health insurance for parents who have an existing illness, opt for a plan with a minimum waiting period.

2. Is there any age limit for purchasing health insurance for parents?

When buying health insurance policies for parents there is an age limit on the various plans. However, the age criterion may vary from insurer to insurer. 

3. Is there a medical examination required for Parents Health Insurance?

As per the parents health insurance plan opted, one may require a pre-medical health check-up. However, this may vary from one insurance company to the other.

4. Is it possible to include my parents in the current health insurance policy?

In case you have a family floater health insurance plan, you may include them in the circle of protection, provided they are less than 65 years of age. However, it is recommended to opt for a plan that is dedicated to their varying health care needs.

*Standard T&C apply

5. How can I make my parent's insurance coverage more comprehensive?

To enhance the coverage of the existing health insurance plan, during renewal you may look at increasing the sum insured. You may also look at including add-ons to the base plan that fulfill the requirements. 

6. Which health insurance plan is best for parents?

To choose the ideal parents health insurance plan, it's important to analyze their needs. Once you understand the needs of the parents, go may look for health insurance plans online. Compare the features, benefits, and premiums to make an informed decision. It is recommended to opt for a high sum insured as with time the ailment may increase. It's better to be safe than sorry. 

7. Does medical insurance give tax benefits to parents?

A health insurance premium that is paid for any parent above 60 years of age is eligible to avail of tax benefits. 

Note: The tax benefit may vary as per the existing laws.

8. How do I purchase health insurance for my parents online?

The technological advancement and accessibility via the internet today have made everything so easy, convenient, and time-saving. If you are looking forward to buying a suitable plan look for a health insurance policy online. Within a few clicks, you can easily know what the plan has to offer, compare the benefits, check the coverage and make a wise decision. 

9. How do you go about filing a claim for your parent's health insurance?

Filing a health insurance claim is no more a tedious task. At Bajaj Allianz General Insurance we offer a convenient health insurance claim process. You can now register the claim, upload the required documents, and know its status in no time. Here’s the link for the same: https://www.bajajallianz.com/claims/health-insurance/claim-process.html

For a cashless health insurance claim, ensure to take treatment in any of the network hospitals. In case of treatment is availed at the non-network hospital, initially the insured needs to make the payment on their own. Once done, they can file for reimbursement and adhere to the process.

*Standard T&C apply

10. Is there any age restriction for parents health insurance?

The Bajaj Allianz Silver Health Plan offers coverage for up to 70 years of age. The entry age for parents or senior citizens will differ as per the insurance company. Hence, it is recommended to go through the policy carefully and check on the age criterion.

11. Why should I choose an early health-care plan for my parents?

Age is one of the most important factors that affect health insurance premiums. As one age, the premium may also increase. Therefore, it is suggested to buy health insurance for parents at an early age. This will help to keep the premium in check. However, when it comes to senior citizens the insurance companies have a cap on the age limit. When buying the plan ensure to read the policy wordings carefully.

12. Is it possible to enroll my elderly parents in a family floater insurance plan?

You may include your parents in a family floater plan; however, they should be less than 65 years of age. The entry age criterion may vary from insurer to insurer. 

13. What's the difference between health insurance for family and health insurance for parents?

The key difference between family floater health insurance and senior citizen health insurance is the entry age criterion. With our health insurance for families, parents who are less than 65 years of age can avail of it. On the contrary, health insurance for senior citizens offers coverage for individuals up to 75 years of age.

*Standard T&C apply

14. How much health insurance do my parents require?

Uncertainty never comes with prior notice. When it comes to securing the health of yourself and your family members it is highly recommended to opt for a high sum insured. The health requirements of an individual differ at different stages of life. Compared to a younger age, senior citizens are prone to risks and diseases.

Adding your parents to a family floater insurance may turn out to be a costlier expense. Hence, it's recommended to either opt for an individual health plan or go with dedicated senior citizen plans. You may also consider adding a critical illness cover or opt for diseases specific cover.

Note: For more details, refer to the policy wording carefully.

15. Is it necessary for me to purchase separate health insurance for my parents?

It is suggested to choose a dedicated plan for your parents/ senior citizens. If you include your parent who is less than 65 years of age under a family health insurance plan, the premium increases. This may increase the burden on your finances. Moreover, due to the age gap between the parents and other dependents, there are chances that they may have a pre-existing ailment as well. This will also increase the overall health insurance premium. 

Thank You for Your Interest in Bajaj Allianz Insurance Policy, A Customer Support Executive will call you back shortly to assist you through the Process.

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I hereby authorize Bajaj Allianz General Insurance Co. Ltd. to call me on the contact number made available by me on the website with a specific request to call back at a convenient time. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) under either Fully or Partially Blocked category, any call made or SMS sent in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business. Furthermore, I understand that these calls will be recorded & monitored for quality & training purposes, and may be made available to me if required.

Disclaimer

I hereby authorize Bajaj Allianz General Insurance Co. Ltd. to call me on the contact number made available by me on the website with a specific request to call back at a convenient time. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) under either Fully or Partially Blocked category, any call made or SMS sent in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business. Furthermore, I understand that these calls will be recorded & monitored for quality & training purposes, and may be made available to me if required.

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