{"uin":"101N143V10","name":"HDFC Life Systematic Retirement Plan","url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-systematic-retirement-plan-101n143v10","insurer":{"slug":"hdfc-life-insurance","name":"HDFC Life Insurance Company Limited","url":"https://indiainsurances.com/insurer/hdfc-life-insurance"},"line":"life","category":"pension-annuity","category_name":"Pension and annuity","irdai_type":"Product","kind":"product","status":"active","approved_on":"2021-12-08","withdrawn_on":null,"summary":"HDFC Life Systematic Retirement Plan is an individual, non-participating, non-linked savings deferred annuity policy with whole life policy term. It offers Life Annuity and Life Annuity with Return of Premiums options, no maturity benefit, and annuity payouts after deferment as long as the annuitant is alive.","analysis":{"state":"machine","analysed_at":"2026-10-19 21:13:22.527385+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"The documents name annuity options, not named plan variants.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"Whole Life","display":"Whole Life","note":null,"quote":"Policy Term – Whole Life","sources":[{"clause":"Row 4","heading":"Basic Policy Details","page":1,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-systematic-retirement-plan-101n143v10/document/7130#c-row-4"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"The claim is required to be intimated within 90 days from the date of death; delay may be condoned for a genuine claim where the delay is beyond the claimant's control.","display":"Within 90 days from the date of death","note":null,"quote":"The claim is required to be intimated to us within a period of 90 days from the date of death. However, we may condone the delay in claim intimation, if any, where the claim is genuine and the delay is proved to be for reasons beyond the control of the claimant.","sources":[{"clause":"3(b)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-systematic-retirement-plan-101n143v10/document/7072#c-3-b"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Completed claim form, including NEFT details and bank account proof as specified in the claim form","Original Policy","Original or copy Death Certificate issued by Municipal Authority/ Gram Panchayat / Tehsildar, attested by issuing authority","Claimant’s identity and residence proof","For death due to Un-Natural Cause: Original or copy of First Information Report, Police Panchnama report attested by Police authorities","Original or copy of Postmortem report attested by Hospital authority, wherever applicable"],"display":"Claim form with NEFT details and bank account proof, Original Policy, death certificate, claimant identity and residence proof; for unnatural death, FIR, Police Panchnama and postmortem report where applicable","note":"Depending on the circumstances of death, further documents may be called for.","quote":"Completed claim form, (including NEFT details and bank account proof as specified in the claim form); Original Policy; Original or copy Death Certificate issued by Municipal Authority/ Gram Panchayat / Tehsildar (attested by issuing authority); Claimant’s identity and residence proof. ... Original or copy of First Information Report, Police Panchnama report attested by Police authorities; and ... Original or copy of Postmortem report attested by Hospital authority, wherever applicable.","sources":[{"clause":"3(iv)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-systematic-retirement-plan-101n143v10/document/7072#c-3-iv"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"not-stated","value":null,"display":null,"note":"The CIS points to a TAT poster link for claims settlement, but the policy clauses provided do not state the settlement time.","quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["No exclusions apply"],"display":"No exclusions apply","note":null,"quote":"No exclusions apply.","sources":[{"clause":"1","heading":"Exclusions","page":16,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-systematic-retirement-plan-101n143v10/document/7072#c-1-4"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact the Grievance Redressal Officer at HDFC Life Insurance Company Limited, 11th Floor, Lodha Excelus, Apollo Mills Compound, N. M. Joshi Marg, Mahalaxmi, Mumbai, Maharashtra - 400011, or use the helpline or email shown in the policy. The company says grievances will be responded to within 14 days; if not satisfied or no response is received within 14 days, the policyholder may approach IRDAI and then the Insurance Ombudsman.","display":"Grievance Redressal Officer, HDFC Life; response within 14 days","note":null,"quote":"The customer can contact us at any of our touchpoints or write to us at on the below mentioned address in case of any complaint/ grievance:\nGrievance Redressal Officer\nHDFC Life Insurance Company Limited (“HDFC Life”)\n11th Floor, Lodha Excelus, Apollo Mills Compound,\nN. M. Joshi Marg, Mahalaxmi, Mumbai, Maharashtra - 400011 ... All grievances (Service and sales) received by the Company will be responded to within the prescribed regulatory Turn Around Time (TAT) of 14 days. ... If you are not satisfied with the response or do not receive a response from us within 14 days, you may approach the Grievance Cell of IRDAI","sources":[{"clause":"1(i)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-systematic-retirement-plan-101n143v10/document/7072#c-1-i"},{"clause":"1(ii)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-systematic-retirement-plan-101n143v10/document/7072#c-1-ii"},{"clause":"1(xi)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-systematic-retirement-plan-101n143v10/document/7072#c-1-xi"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_assured","label":"Sum assured","section":"Cover","meaning":"The minimum and maximum life cover, or the rule that sets it (for example 10 times the annual premium).","status":"not-applicable","value":null,"display":null,"note":"This is a deferred annuity policy; the documents specify annuity and death benefits rather than a sum assured.","quote":null,"sources":[],"law":[]},{"key":"death_benefit","label":"Death benefit","section":"Cover","meaning":"What your family gets if you die during the term, and how it is calculated.","status":"quote-verified","value":"During the deferment period, the death benefit is the higher of total premiums paid accumulated at 6% p.a. compounded till death or 105% of total premiums paid up to death. After deferment, the Life Annuity option pays no death benefit; Life Annuity with Return of Premiums pays the higher of total premiums paid accumulated at 6% p.a. till the end of deferment less total annuity payouts made till death or 105% of total premiums paid up to death.","display":"During deferment: higher of premiums accumulated at 6% p.a. or 105% of total premiums paid; after deferment: no death benefit under Life Annuity, return-of-premiums formula under ROP option","note":"Upon payment of the applicable death benefit, the policy terminates and all other benefits cease.","quote":"During Deferment Period | Death benefit shall be payable on the death of the annuitant The death benefit shall be the higher of: • Total Premiums paid* accumulated at compounding interest of 6% p.a. till the date of death • 105% of Total premiums paid up to date of death ... After Deferment Period | i. For the Life Annuity option, no death benefit shall be payable. ... ii. For Life Annuity with Return of Premiums option, the death benefit shall be the higher of • Total Premiums paid* accumulated at compounding interest of 6% p.a. till end of deferment period less Total Annuity Payouts made till date of death • 105% of Total premiums paid up to date of death","sources":[{"clause":"1(b)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-systematic-retirement-plan-101n143v10/document/7072#c-1-b"}],"law":[]},{"key":"maturity_benefit","label":"Maturity benefit","section":"Cover","meaning":"What you get if you survive to the end of the term.","status":"quote-verified","value":"There is no maturity benefit in this policy.","display":"No maturity benefit","note":null,"quote":"There is no maturity benefit in this policy.","sources":[{"clause":"1(b)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-systematic-retirement-plan-101n143v10/document/7072#c-1-b"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"quote-verified","value":"Minimum premium payment term is 3 years and maximum is 15 years; 4 years premium payment term is not available, and 3 years premium payment term is only in Life Annuity with Return of Premiums option.","display":"3 years to 15 years","note":"From the sales brochure.","quote":"Premium Payment Term | 3 years2 | 15 years ... 24 years Premium Payment Term is not available in this product; 3 Premium Payment Term only in Life Annuity with Return of Premiums option","sources":[{"clause":null,"heading":"Check your eligibility","page":2,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-systematic-retirement-plan-101n143v10/document/7057#c-check-your-eligibility"}],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"not-applicable","value":null,"display":null,"note":"The policy term is whole life and the policy has no maturity benefit, so a maximum maturity age does not apply.","quote":null,"sources":[],"law":[]},{"key":"suicide_clause","label":"Suicide clause","section":"Exclusions","meaning":"What is paid if death is by suicide within the first 12 months.","status":"quote-verified","value":"No separate suicide exclusion applies; the policy says no exclusions apply.","display":"No exclusions apply","note":null,"quote":"No exclusions apply.","sources":[{"clause":"1","heading":"Exclusions","page":16,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-systematic-retirement-plan-101n143v10/document/7072#c-1-4"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 21","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 35","url":"https://indiainsurances.com/law/irdai-life-products-2024"}]},{"key":"surrender","label":"Surrender value","section":"Renewal and rights","meaning":"What you get if you stop the policy early, and from when.","status":"quote-verified","value":"During the deferment period, surrender value is the higher of Guaranteed Surrender Value and Special Surrender Value. After the deferment period, GSV is not available for both options, SSV is not available for Life Annuity, and only SSV is payable under Life Annuity with Return of Premiums option; SSV is subject to the premium payment term conditions in the policy.","display":"During deferment: higher of GSV and SSV; after deferment: only SSV for Life Annuity with Return of Premiums option","note":"On payment of the surrender benefit, the policy terminates and no more benefits are payable.","quote":"On surrender during the deferment period:\nSurrender value payable will be the higher of Guaranteed Surrender Value (GSV) and Special Surrender Value (SSV). ... GSV shall not be available for both options ... SSV shall be not be available for Life Annuity Option ... Only SSV shall be payable under Life Annuity with Return of Premiums option. ... Limited Pay with PPT<5 | SSV shall become payable immediately after receipt of first full year premium.\nLimited Pay with PPT>=5 | Payable after completion of first policy year, provided at least 1 full years’ Premium has been paid","sources":[{"clause":"7(i)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-systematic-retirement-plan-101n143v10/document/7072#c-7-i"},{"clause":"7(a)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-systematic-retirement-plan-101n143v10/document/7072#c-7-a"},{"clause":"7(b)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-systematic-retirement-plan-101n143v10/document/7072#c-7-b"},{"clause":"7(c)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-systematic-retirement-plan-101n143v10/document/7072#c-7-c"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.1 to 26.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.4 and 26.5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 27","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.16 and 1.17","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(1) to (3)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(4) and (5)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(6) to (9)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(B)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vi)(c)(V)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"paid_up","label":"Paid-up value","section":"Renewal and rights","meaning":"What cover continues if you stop paying premiums after a few years.","status":"quote-verified","value":"If at least the first full year's premiums have been paid and no further premiums are paid and the policy is not surrendered, the policy becomes Reduced Paid Up after the grace period. The revised annuity rate is annuity rate multiplied by total premiums paid divided by total premiums payable.","display":"Reduced Paid Up after first full year’s premiums; paid-up annuity rate = annuity rate × total premiums paid / total premiums payable","note":null,"quote":"If at least first full years’ Premiums have been paid and no further Premiums are paid and the Policy is not surrendered, the Policy will acquire the status of Reduced Paid Up on the date of expiry of Grace Period up till the Policy is revived for full Benefits.\nThe revised annuity rate payable shall be as follows:\nPaid- up Annuity rate= Annuity rate × (Total Premiums Paid) / (Total Premiums Payable)","sources":[{"clause":"6","heading":"Reduced Paid-up Value","page":13,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-systematic-retirement-plan-101n143v10/document/7072#c-6-2"}],"law":[]},{"key":"revival","label":"Revival period","section":"Renewal and rights","meaning":"How long after lapsing you can restart the policy.","status":"quote-verified","value":"The policy can be reinstated during the policy term within five years from the date of first unpaid premium, subject to proof of continued insurability and payment of all due premiums with late fee. The current compounding rate of interest on revival is 9% p.a.","display":"Within five years from the date of first unpaid premium","note":null,"quote":"Policy can be reinstated during the policy term but within a period of five years from the date of first unpaid premium by submitting the proof of continued insurability to the satisfaction of the prevailing Board Approved Underwriting Policy of the company prevailing from time to time and making the payment of all due premiums together with payment of late fee calculated at such rate as may be prevailing at the time of the payment. ... The current compounding rate of interest on revival is 9% p.a.","sources":[{"clause":"8","heading":"Revival","page":14,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-systematic-retirement-plan-101n143v10/document/7072#c-8-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.1 and 40.1.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.4","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.7","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.28","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.39","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"policy_loan","label":"Policy loan","section":"Renewal and rights","meaning":"Whether you can borrow against the policy.","status":"conflicting","value":"Loan can be availed under options where there is a Return of Premiums Paid. Under the policy wording, the maximum loan amount must not exceed 80% of the available surrender value and the amount of the loan must be at least Rs.1,000; the effective annual interest amount payable on loan must not exceed 50% of the annual annuity amount payable.","display":"Available under return-of-premiums options; up to 80% of available surrender value, minimum Rs.1,000","note":"The policy wording says the maximum loan amount shall not exceed 80% of available surrender value. The lower-priority brochure says: 'The loan amount will be subject to a maximum of 50% of the surrender value.'","quote":"• Loan can be availed under the options where there is a Return of Premiums Paid ... • The maximum loan amount that will be advanced at any one time or more than one time shall not exceed 80% of the available surrender value at that point of time and provided that the amount of the loan is not less than Rs.1,000. ... • Maximum amount of loan that can be granted under the policy shall be such that the effective annual interest amount payable on loan does not exceed 50% of the annual annuity amount payable under the policy ... • The loan amount will be subject to a maximum of 50% of the surrender value.","sources":[{"clause":"3","heading":"Loans","page":12,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-systematic-retirement-plan-101n143v10/document/7072#c-3-3"},{"clause":null,"heading":"D. Policy Loan","page":8,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-systematic-retirement-plan-101n143v10/document/7057#c-d-policy-loan"}],"law":[]},{"key":"riders_available","label":"Riders available","section":"Cover","meaning":"Optional add-ons such as accidental death, critical illness or waiver of premium.","status":"not-stated","value":null,"display":null,"note":"The CIS says riders opted are not applicable, but the documents do not list riders available for purchase.","quote":null,"sources":[],"law":[]},{"key":"section45","label":"Claims after 3 years (Section 45)","section":"Claims","meaning":"After 3 years a life policy cannot be questioned on any ground, and only for fraud with proof before that.","status":"quote-verified","value":"No life insurance policy shall be called in question on any ground whatsoever after expiry of 3 years from the later of issuance, risk commencement, revival or rider date. Within 3 years, the policy may be called in question on fraud or on material misstatement or suppression, with written communication of grounds and materials; for non-fraud misstatement repudiation, premium collected is paid within 90 days.","display":"Cannot be called in question after 3 years; within 3 years for fraud or material misstatement with written grounds","note":null,"quote":"No Policy of Life Insurance shall be called in question on any ground whatsoever after expiry of 3 yrs from\na) the date of issuance of policy or\nb) the date of commencement of risk or\nc) the date of revival of policy or\nd) the date of rider to the policy whichever is later. ... On the ground of fraud, a policy of Life Insurance may be called in question within 3 years ... Life insurance Policy can be called in question within 3 years on the ground that any statement of or suppression of a fact material to expectancy of life of the insured was incorrectly made ... In case repudiation is on ground of mis-statement and not on fraud, the premium collected on policy till the date of repudiation shall be paid to the insured or legal representative or nominee or assignees of insured, within a period of 90 days from the date of repudiation.","sources":[{"clause":"1","heading":null,"page":32,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-systematic-retirement-plan-101n143v10/document/7072#c-1-7"},{"clause":"2","heading":null,"page":32,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-systematic-retirement-plan-101n143v10/document/7072#c-2-7"},{"clause":"6","heading":null,"page":32,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-systematic-retirement-plan-101n143v10/document/7072#c-6-5"},{"clause":"7","heading":null,"page":32,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-systematic-retirement-plan-101n143v10/document/7072#c-7-5"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 45","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"tax_note","label":"Tax note in the document","section":"Premium","meaning":"What the document says about tax benefits. Not stated when it only says taxes are charged on the premium. Tax law changes; confirm separately.","status":"not-stated","value":null,"display":null,"note":"The wording only states taxes, levies and tax deduction; no tax benefit is stated.","quote":null,"sources":[],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Refund is subject to deduction of stamp duty charges, if any, and annuity paid, if any; if purchased from proceeds of a deferred pension plan of any insurance company, cancellation proceeds are transferred back to that insurance company.","quote":"the insured shall have the option of returning the policy to us stating the reasons thereof, within 30 days from the date of receipt of the policy","sources":[{"clause":"4","heading":"Free Look Cancellation","page":12,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-systematic-retirement-plan-101n143v10/document/7072#c-4-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days; 15 days for monthly mode","note":"The policy remains in force with risk cover during the grace period; monthly mode has fifteen days.","quote":"The grace period for payment of the premium for all types of life insurance policies shall be fifteen days, where the policyholder pays the premium on a monthly basis and 30 days in all other cases.","sources":[{"clause":"3","heading":"Grace Period","page":11,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-systematic-retirement-plan-101n143v10/document/7072#c-3-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["Annual","Half Yearly","Quarterly","Monthly"],"display":"Annual, Half Yearly, Quarterly, Monthly","note":"From the sales brochure.","quote":"Premium2 (in Rs.) Per instalment | Annual:30,000; Half Yearly:15,300; Quarterly:7,800; Monthly: 2,625","sources":[{"clause":null,"heading":"Check your eligibility","page":2,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-systematic-retirement-plan-101n143v10/document/7057#c-check-your-eligibility"}],"law":[]},{"key":"premium_type","label":"Premium payment type","section":"Premium","meaning":"Single premium, regular premium (every year of the term) or limited premium (fewer years than the term).","status":"quote-verified","value":["limited payment term"],"display":"Limited premium payment term","note":"From the sales brochure.","quote":"Guaranteed* income for whole of life by paying premiums for a limited payment term","sources":[{"clause":null,"heading":"Systematic Retirement Plan","page":2,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-systematic-retirement-plan-101n143v10/document/7057#c-systematic-retirement-plan-2"}],"law":[]},{"key":"annuity_options","label":"Annuity options","section":"Cover","meaning":"Life annuity, joint life, return of purchase price, increasing annuity...","status":"quote-verified","value":["Life Annuity Option","Life Annuity with Return of Premiums Option"],"display":"Life Annuity Option; Life Annuity with Return of Premiums Option","note":"An annuity option once selected cannot be changed.","quote":"This Policy offers the following two annuity options: ... a) Life Annuity Option ... b) Life Annuity with Return of Premiums Option","sources":[{"clause":"1","heading":"Benefits","page":10,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-systematic-retirement-plan-101n143v10/document/7072#c-1-2"},{"clause":"1(a)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-systematic-retirement-plan-101n143v10/document/7072#c-1-a"},{"clause":"1(b)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-systematic-retirement-plan-101n143v10/document/7072#c-1-b"}],"law":[]},{"key":"purchase_price_min","label":"Minimum purchase price","section":"Eligibility","meaning":"Smallest lump sum or annuity accepted.","status":"quote-verified","value":"Minimum annuity payout is Annual Rs. 12,000, Half Yearly Rs. 6,000, Quarterly Rs. 3,000, or Monthly Rs. 1,000. Minimum premium per instalment is Annual Rs. 30,000, Half Yearly Rs. 15,300, Quarterly Rs. 7,800, or Monthly Rs. 2,625.","display":"Minimum annuity: Annual Rs. 12,000; Half Yearly Rs. 6,000; Quarterly Rs. 3,000; Monthly Rs. 1,000. Minimum premium: Annual Rs. 30,000; Half Yearly Rs. 15,300; Quarterly Rs. 7,800; Monthly Rs. 2,625","note":"From the sales brochure. The policy is a limited premium deferred annuity, so the brochure states minimum premium per instalment rather than a single purchase price.","quote":"Annuity Payout (in Rs.) | Annual: 12,000; Half Yearly: 6,000; Quarterly: 3,000; Monthly: 1,000 | No limit. Acceptance of any case is subject to Board Approved Underwriting Policy (BAUP).\nPremium2 (in Rs.) Per instalment | Annual:30,000; Half Yearly:15,300; Quarterly:7,800; Monthly: 2,625","sources":[{"clause":null,"heading":"Check your eligibility","page":2,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-systematic-retirement-plan-101n143v10/document/7057#c-check-your-eligibility"}],"law":[]},{"key":"deferment","label":"Deferment period","section":"Cover","meaning":"For deferred plans, how long before income starts.","status":"quote-verified","value":"The deferment period is the higher of 5 years or the premium payment term chosen, with a maximum of 15 years.","display":"Higher of 5 years or the Premium Payment Term chosen, maximum 15 years","note":"From the sales brochure.","quote":"DePfearrmtiecnutl aPresriod | Higher of 5 years or the Premium Payment Term chosen | 15 years","sources":[{"clause":null,"heading":"Check your eligibility","page":2,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-systematic-retirement-plan-101n143v10/document/7057#c-check-your-eligibility"}],"law":[]},{"key":"annuity_frequency","label":"Payout frequency","section":"Cover","meaning":"Monthly, quarterly, half-yearly, yearly.","status":"quote-verified","value":["annually","half-yearly","quarterly","monthly"],"display":"annually, half-yearly, quarterly or monthly","note":"From the sales brochure. The annuity is paid in arrears only.","quote":"the frequency of annuity pay-outs can be chosen as annually, half-yearly, quarterly or monthly.","sources":[{"clause":null,"heading":"Choose your annuity payout frequency","page":4,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-systematic-retirement-plan-101n143v10/document/7057#c-choose-your-annuity-payout-frequency"}],"law":[]},{"key":"annuity_rate_example","label":"Example annuity rate","section":"Cover","meaning":"An example from the document; rates change with age and over time.","status":"quote-verified","value":"In the brochure example, Mr Sharma aged 45 pays Rs. 2 Lacs per annum for a premium payment term of 10 years and chooses a deferment period of 15 years; the annual annuity shown is `2,79,080 p.a.","display":"Age 45, Rs. 2 Lacs p.a. for 10 years, 15-year deferment: annuity of `2,79,080 p.a.","note":"From the sales brochure.","quote":"Mr Sharma, aged 45, wishes to systematically plan his retirement to receive sufficient lifelong income. He invested in HDFC Life Systematic Retirement Plan with Life Annuity Option paying a premium of Rs. 2 Lacs per annum for premium payment term of 10 years. He wishes to receive his annual annuity after deferment period of 15 years. ... Annuity of `2,79,080 p.a.","sources":[{"clause":null,"heading":"How does the plan work","page":3,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-systematic-retirement-plan-101n143v10/document/7057#c-how-does-the-plan-work"}],"law":[]}],"documents":[{"kind":"wording","label":"HDFC Life Systematic Retirement Plan - Individual Policy Bond 101N143V10","pages":33,"fetched_at":"2026-10-17 19:41:45+00","source_url":"https://www.hdfclife.com/content/dam/hdfclifeinsurancecompany/customer-services/policy-documents-pdf/retirement-live/HDFC-Life-Systematic-Retirement-Plan-V10-Individual-Policy-Bond.pdf","url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-systematic-retirement-plan-101n143v10/document/7072"},{"kind":"wording","label":"HDFC Life Systematic Retirement Plan - Individual Policy Bond - 101N143V01","pages":25,"fetched_at":"2026-10-17 20:19:19+00","source_url":"https://www.hdfclife.com/content/dam/hdfclifeinsurancecompany/customer-services/policy-documents-pdf/retirement-withdrawn/HDFC-Life-Systematic-Retirement-Plan-Individual-Policy-Bond-101N143V01.pdf","url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-systematic-retirement-plan-101n143v10/document/8104"},{"kind":"wording","label":"HDFC Life Systematic Retirement Plan - Group Policy Bond - 101N143V01","pages":27,"fetched_at":"2026-10-17 20:19:21+00","source_url":"https://www.hdfclife.com/content/dam/hdfclifeinsurancecompany/customer-services/policy-documents-pdf/retirement-withdrawn/HDFC-Life-Systematic-Retirement-Plan-Group-Policy-Bond-101N143V01.pdf","url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-systematic-retirement-plan-101n143v10/document/8105"},{"kind":"cis","label":"HDFC Life Systematic Retirement Plan 101N143V10","pages":4,"fetched_at":"2026-10-17 19:43:51+00","source_url":"https://www.hdfclife.com/content/dam/hdfclifeinsurancecompany/customer-services/customer-information-sheet/retirement-pension-plans-live/HDFC-Life-Systematic-Retirement-Plan-101N143V10-CIS.pdf","url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-systematic-retirement-plan-101n143v10/document/7130"},{"kind":"brochure","label":"HDFC Life Systematic Retirement Plan","pages":12,"fetched_at":"2026-10-17 19:41:25+00","source_url":"https://www.hdfclife.com/content/dam/hdfclifeinsurancecompany/customer-services/brochure-documents-pdfs/retirement-annuity-live/HDFC-Life-systematic-retirement-plan.pdf","url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-systematic-retirement-plan-101n143v10/document/7057"},{"kind":"brochure","label":"systematic retirement plan v1","pages":12,"fetched_at":"2026-10-17 20:06:37+00","source_url":"https://www.hdfclife.com/content/dam/hdfclifeinsurancecompany/products-page/brochure-pdf/systematic-retirement-plan-v1.pdf","url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-systematic-retirement-plan-101n143v10/document/7725"}],"versions":[{"uin":"101N143V01","version":null,"approved_on":null},{"uin":"101N143V10","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"HDFC Life Insurance official website","url":"https://www.hdfclife.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claims","url":"https://www.hdfclife.com/claims","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://www.hdfclife.com/customer-service/grievance-redressal","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"HDFC Life Systematic Retirement Plan (UIN 101N143V10), IndiaInsurances, https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-systematic-retirement-plan-101n143v10"}