{"uin":"104L084V19","name":"Axis Max Life Shiksha Plus Super Plan - Prospectus","url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-shiksha-plus-super-plan-prospectus-104l084v19","insurer":{"slug":"axis-max-life-insurance","name":"Axis Max Life Insurance Limited","url":"https://indiainsurances.com/insurer/axis-max-life-insurance"},"line":"life","category":"ulip","category_name":"ULIPs (unit-linked plans)","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Axis Max Life Shiksha Plus Super is a unit-linked non-participating individual life insurance plan with 5 Pay and Regular Pay variants. It offers death benefit as a lump sum plus Family Income Benefit and Funding of Premium, and on maturity pays the Fund Value.","analysis":{"state":"machine","analysed_at":"2026-10-20 00:43:30.107557+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":"quote-verified","value":["5 Pay Variant","Regular Pay Variant"],"display":"5 Pay Variant; Regular Pay Variant","note":null,"quote":"Maximum Maturity Age of the | 5 Pay Variant | 57 years\nLife Insured (age as on last | Regular Pay Variant | Regular Pay Variant | 65 years | 65 years","sources":[{"clause":null,"heading":"AXIS MAX LIFE SHIKSHA PLUS SUPER AT A GLANCE","page":12,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-shiksha-plus-super-plan-prospectus-104l084v19/document/2810#c-axis-max-life-shiksha-plus-super-at-a-glance"}],"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":"5 Pay Variant has a 10 year Policy Term. Regular Pay Variant has a 15 to 25 year Policy Term.","display":"5 Pay Variant: 10 year Policy Term; Regular Pay Variant: 15 to 25 year Policy Term","note":null,"quote":"Policy Term | Policy Term | 5 Pay Variant | 10 year Policy Term\nRegular Pay Variant | 15 to 25 year Policy Term","sources":[{"clause":null,"heading":"AXIS MAX LIFE SHIKSHA PLUS SUPER AT A GLANCE","page":12,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-shiksha-plus-super-plan-prospectus-104l084v19/document/2810#c-axis-max-life-shiksha-plus-super-at-a-glance"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":null,"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":["In case of death due to suicide within 12 months from the date of commencement of the policy or from the date of revival of the policy, as applicable, the nominee or the beneficiary of the policyholder shall be entitled to the fund value, as available on the date of intimation of death.","The Policyholder will not be able to surrender/withdraw the monies invested in Linked Insurance Products completely or partially till the end of the fifth year.","We do not guarantee the Fund Value or Unit Price.","Top Up | Not available in this plan","Policy Loan | Not available in this plan"],"display":"Suicide within 12 months pays fund value; no surrender or withdrawal before the end of the fifth year; fund value or unit price not guaranteed; top-up and policy loan not available.","note":null,"quote":"In case of death due to suicide within 12 months from the date of commencement of the policy or from the date of revival of the policy, as applicable, the nominee or the beneficiary of the policyholder shall be entitled to the fund value, as available on the date of intimation of death. ... The Policyholder will not be able to surrender/withdraw the monies invested in Linked Insurance Products completely or partially till the end of the fifth year. ... We do not guarantee the Fund Value or Unit Price. ... Top Up | Not available in this plan | Not available in this plan\nPolicy Loan | Not available in this plan","sources":[{"clause":"Row 4(d)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-shiksha-plus-super-plan-prospectus-104l084v19/document/2810#c-row-4-d"},{"clause":null,"heading":"PROSPECTUS","page":1,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-shiksha-plus-super-plan-prospectus-104l084v19/document/2810#c-prospectus"},{"clause":null,"heading":"A WORD ON THE RISKS OF INVESTMENT IN THIS POLICY","page":23,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-shiksha-plus-super-plan-prospectus-104l084v19/document/2810#c-a-word-on-the-risks-of-investment-in-this-policy"},{"clause":null,"heading":"AXIS MAX LIFE SHIKSHA PLUS SUPER AT A GLANCE","page":12,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-shiksha-plus-super-plan-prospectus-104l084v19/document/2810#c-axis-max-life-shiksha-plus-super-at-a-glance"}],"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":"Consumer grievances and queries may first be addressed to the agent or customer helpdesk. If the response is not satisfactory or there is no response within 14 days, a written complaint may be filed with the Grievance Redressal Officer before approaching IRDAI or the Insurance Ombudsman.","display":"First contact the agent or customer helpdesk; if unsatisfied or no response within 14 days, contact the Grievance Redressal Officer.","note":null,"quote":"All consumer grievances and/or queries may be first addressed by the complainant to the agent or Our customer helpdesk as mentioned below: ... If Our response is not satisfactory or there is no response within 14 (Fourteen) days:\nThe complainant may file a written complaint with full details of the complaint and the complainant’s contact information to the following official for resolution:\nGrievance Redressal Officer, Axis Max Life Insurance Limited","sources":[{"clause":null,"heading":"Grievance Redressal","page":25,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-shiksha-plus-super-plan-prospectus-104l084v19/document/2810#c-grievance-redressal"},{"clause":"Row 4(b)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-shiksha-plus-super-plan-prospectus-104l084v19/document/2810#c-row-4-b-2"}],"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":"quote-verified","value":"Sum Assured is calculated by multiplying the chosen death benefit cover multiple, 7 or 10, with the Annualised Premium. Minimum Sum Assured is Rs 17,50,000 and Maximum Sum Assured is no limit, subject to the Board approved underwriting policy of the Company.","display":"Sum Assured Multiple 7 or 10; minimum Rs 17,50,000; maximum no limit, subject to underwriting.","note":null,"quote":"Sum assured will be calculated by multiplying the chosen “death benefit cover multiple” with the “Annualised Premium”. ... Sum Assured Multiple | 7 or 10\nMaximum Sum Assured | Maximum Sum Assured | No limit, subject to the Board approved underwriting policy of\nthe Company.\nMinimum Sum Assured | 5 Pay/ Regular Pay | 5 Pay/ Regular Pay | Rs 17,50,000","sources":[{"clause":null,"heading":"Step 2: Choose your Policy Term and Premium Payment Term","page":2,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-shiksha-plus-super-plan-prospectus-104l084v19/document/2810#c-step-2-choose-your-policy-term-and-premium-payme"},{"clause":null,"heading":"AXIS MAX LIFE SHIKSHA PLUS SUPER AT A GLANCE","page":12,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-shiksha-plus-super-plan-prospectus-104l084v19/document/2810#c-axis-max-life-shiksha-plus-super-at-a-glance"}],"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":"On death during the Policy Term, the policy pays a lump sum higher of Sum Assured, 105% of total premiums paid till death, or 0.5 times Policy Term times Annualised Premium. It also pays Family Income Benefit equal to 10% of Sum Assured on policy anniversaries till the end of the term, not exceeding 10 instalments and with at least 3 instalments, and the Company funds future outstanding premiums so that Fund Value is paid on maturity.","display":"Higher of Sum Assured, 105% of total premiums paid till death, or 0.5 times Policy Term times Annualised Premium; plus FIB 10% of Sum Assured up to 10 instalments with at least 3; plus Funding of Premium.","note":null,"quote":"In case of death of the Life Insured anytime during the Policy Term, following shall be payable:\n1. Lump sum Payout on death - Higher of [Sum Assured or 105% of the total premiums paid till the date of death or (0.5 times Policy Term times Annualised Premium)] shall be payable immediately on death.\n2. Family Income Benefit (FIB) - A Family Income Benefit equal to 10% of the Sum Assured will be paid on each Policy anniversary following or coinciding with the date of death of the Life Insured till the end of the Policy Term, but not exceeding 10 such installments. ... a minimum of three installments each equal to 10% of Sum Assured is guaranteed ... 3. Funding of Premium (FOP) - Under this Benefit, the Company will fund all future outstanding premiums as and when due under the Policy and the Fund Value will be paid on maturity.","sources":[{"clause":null,"heading":"Death Benefit","page":11,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-shiksha-plus-super-plan-prospectus-104l084v19/document/2810#c-death-benefit"}],"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":"On maturity, if the settlement option has not been exercised, the policyholder receives the Fund Value. Fund Value is the summation of units accumulated in the funds multiplied by the NAV of the respective funds as on the Maturity Date.","display":"Fund Value on maturity, unless settlement option is exercised.","note":null,"quote":"On maturity, you will be eligible to receive an amount, provided settlement option has not been On maturity, you will be eligible to receive an amount, provided settlement option has not been exercised, equal to the Fund Value, where the Fund Value will be calculated as: exercised, equal to the Fund Value, where the Fund Value will be calculated as:\nFund Value = Summation of Units accumulated in Fund(s) X NAV of respective Fund(s) as on the Fund Value = Summation of Units accumulated in Fund(s) X NAV of respective Fund(s) as on the Maturity Date Maturity Date","sources":[{"clause":null,"heading":"Benefits","page":10,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-shiksha-plus-super-plan-prospectus-104l084v19/document/2810#c-benefits"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"quote-verified","value":"Premium Payment Term is 5 years for 5 Pay, and 15 to 25 years for Regular Pay.","display":"5 years (5 Pay) / 15 to 25 years (Regular Pay)","note":null,"quote":"Premium Payment Term | 5 years (5 Pay) / 15 to 25 years (Regular Pay)","sources":[{"clause":null,"heading":"AXIS MAX LIFE SHIKSHA PLUS SUPER AT A GLANCE","page":12,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-shiksha-plus-super-plan-prospectus-104l084v19/document/2810#c-axis-max-life-shiksha-plus-super-at-a-glance"}],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"quote-verified","value":"Maximum maturity age of the Life Insured is 57 years for the 5 Pay Variant and 65 years for the Regular Pay Variant.","display":"5 Pay Variant: 57 years; Regular Pay Variant: 65 years","note":null,"quote":"Maximum Maturity Age of the | 5 Pay Variant | 57 years\nLife Insured (age as on last | Regular Pay Variant | Regular Pay Variant | 65 years | 65 years","sources":[{"clause":null,"heading":"AXIS MAX LIFE SHIKSHA PLUS SUPER AT A GLANCE","page":12,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-shiksha-plus-super-plan-prospectus-104l084v19/document/2810#c-axis-max-life-shiksha-plus-super-at-a-glance"}],"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":"If death is due to suicide within 12 months from commencement or revival, the nominee or beneficiary is entitled to the fund value as available on the date of intimation of death. Charges other than FMC and guarantee charges recovered after death are added back.","display":"Suicide within 12 months: fund value as on date of intimation of death, with specified charges added back.","note":null,"quote":"In case of death due to suicide within 12 months from the date of commencement of the policy or from the date of revival of the policy, as applicable, the nominee or the beneficiary of the policyholder shall be entitled to the fund value, as available on the date of intimation of death. Any charges other than Fund Management Charges (FMC) and guarantee charges recovered subsequent to the date of death shall be added back to the fund value as available on the date of intimation of death.","sources":[{"clause":"Row 4(d)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-shiksha-plus-super-plan-prospectus-104l084v19/document/2810#c-row-4-d"}],"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":"The policyholder may surrender at any time during the Policy Term by writing to the Company. Within the Lock-in Period, Fund Value after applicable surrender or discontinuance charges is moved to the Discontinued Policy Fund and paid at the expiry of five years; after the Lock-in Period, Surrender Value equals the Fund Value as on receipt of surrender request.","display":"Surrender any time; within 5 years proceeds go to Discontinued Policy Fund and are paid after 5 years; after 5 years Surrender Value equals Fund Value.","note":null,"quote":"At any time during the Policy Term, you have the right to surrender the Policy by advising the Company in writing. ... In case you surrender the Policy within the Lock-in-Period, the Company will credit the Fund Value by creation of units into the Discontinued Policy Fund after deducting applicable Surrender / Discontinuance Charges. At the expiry of five years from the effective date of the Policy (i.e. at the expiry of the Lock-in Period), the Company will close the Unit Account and pay you the value of units in the Discontinued Policy Fund as at that date and the policy will terminate. ... The Company shall close the Unit Account and pay the Surrender Value which is equal to the Fund Value of the Units in the segregated Fund(s) as on the date of receipt of surrender request","sources":[{"clause":null,"heading":"What happens when you surrender the Policy?","page":17,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-shiksha-plus-super-plan-prospectus-104l084v19/document/2810#c-what-happens-when-you-surrender-the-policy"}],"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 premium is not paid in the first five policy years after the grace period, Fund Value is moved to the Discontinued Policy Fund and risk cover stops. If premium is discontinued after the first five policy years, the policy converts to reduced paid-up with paid-up sum assured equal to original sum assured multiplied by the ratio of premiums already paid period to the maximum period for which premiums were originally payable.","display":"After first 5 policy years: reduced paid-up; during first 5 policy years: risk cover stops and Fund Value moves to Discontinued Policy Fund.","note":null,"quote":"A. Discontinuance of Payment of Premium during First Five Policy Years (Lock-in Period)\nUpon expiry of the grace period, the Company will credit the Fund Value, by creation of units, into Upon expiry of the grace period, the Company will credit the Fund Value, by creation of units, into the Discontinued Policy Fund after deducting applicable Discontinuance Charges. The risk cover the Discontinued Policy Fund after deducting applicable Discontinuance Charges. The risk cover under the policy will stop ... Upon expiry of the grace period, the policy shall be converted into a reduced paid up policy with the paid-up sum assured i.e. original sum assured multiplied by a ratio of “ total period with the paid-up sum assured i.e. original sum assured multiplied by a ratio of “ total period for which premiums have already been paid” to the maximum period for which premiums for which premiums have already been paid” to the maximum period for which premiums were originally payable”","sources":[{"clause":null,"heading":"What happens when you discontinue paying the Premiums?","page":18,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-shiksha-plus-super-plan-prospectus-104l084v19/document/2810#c-what-happens-when-you-discontinue-paying-the-pre"},{"clause":"B.1","heading":null,"page":19,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-shiksha-plus-super-plan-prospectus-104l084v19/document/2810#c-b-1"}],"law":[]},{"key":"revival","label":"Revival period","section":"Renewal and rights","meaning":"How long after lapsing you can restart the policy.","status":"quote-verified","value":"Discontinued policies have a revival period of three years from the date of first unpaid premium. Revival requires a written request, evidence of insurability acceptable to the Company, and payment of all overdue contractual premiums.","display":"3 years from the date of first unpaid premium","note":null,"quote":"Discontinued policies will have a revival period of three years from the date of first unpaid premium\n: The revival of the policy will, however, be subject to following conditions:\n- You giving the Company a written request to revive the Policy; and\n- You (Life Insured) producing evidence of insurability at your own cost acceptable to the Company as per the Board approved underwriting Policy of the Company; and\n- You paying the Company all overdue contractual premiums.","sources":[{"clause":"A.1","heading":"The Revival of a policy discontinued during the lock in Period","page":19,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-shiksha-plus-super-plan-prospectus-104l084v19/document/2810#c-a-1"}],"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":"quote-verified","value":"Policy Loan is not available in this plan.","display":"Not available in this plan","note":null,"quote":"Policy Loan | Not available in this plan","sources":[{"clause":null,"heading":"AXIS MAX LIFE SHIKSHA PLUS SUPER AT A GLANCE","page":12,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-shiksha-plus-super-plan-prospectus-104l084v19/document/2810#c-axis-max-life-shiksha-plus-super-at-a-glance"}],"law":[]},{"key":"riders_available","label":"Riders available","section":"Cover","meaning":"Optional add-ons such as accidental death, critical illness or waiver of premium.","status":"quote-verified","value":["Axis Max Life Critical Illness and Disability Secure Rider (UIN: 104A034V02)","Axis Max Life Smart Ultra Protect Rider (UIN: 104A049V03)"],"display":"Axis Max Life Critical Illness and Disability Secure Rider; Axis Max Life Smart Ultra Protect Rider","note":null,"quote":"Axis Max Life Critical Illness and Disability Secure Rider\n(UIN: 104A034V02): This rider provides benefit upon diagnosis of any of the critical illnesses covered. Please refer to Axis Max Life Critical Illness and Disability Secure Rider prospectus for more details.\nAxis Max Life Smart Ultra Protect Rider (UIN: 104A049V03): This rider provides following rider benefit variants:","sources":[{"clause":null,"heading":"AXIS MAX LIFE SHIKSHA PLUS SUPER AT A GLANCE","page":12,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-shiksha-plus-super-plan-prospectus-104l084v19/document/2810#c-axis-max-life-shiksha-plus-super-at-a-glance"}],"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 can be called in question on any ground after the expiry of three years from the later of policy issuance, risk commencement, revival, or rider date. Within three years it may be called in question on fraud, or on material misstatement or suppression subject to the stated communication and proof requirements.","display":"After 3 years, no policy of life insurance shall be called in question on any ground whatsoever.","note":null,"quote":"No policy of life insurance shall be called in question on any ground whatsoever after the expiry of three years from the date of the policy, i.e. from the date of issuance of the policy or the date of commencement of risk or the date of revival of the policy or the date of the rider to the policy whichever is later.\nA policy of life insurance may be called in question at any time within three years from the date of issuance of the policy or the date of commencement of risk or the date of revival of the policy or the date of the rider to the policy, whichever is later, on the ground of fraud: ... A policy of the life insurance may be called in question at any time within three years from the date of issuance of the policy or the date of commencement of risk or the date of revival of the policy or the date of the rider to the policy, whichever is later, on the ground that any statement of or suppression of a fact material to the expectancy of the life of the insured was incorrectly made","sources":[{"clause":"Row 4(b)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-shiksha-plus-super-plan-prospectus-104l084v19/document/2810#c-row-4-b-2"},{"clause":"Row 4(d)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-shiksha-plus-super-plan-prospectus-104l084v19/document/2810#c-row-4-d-2"}],"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":"quote-verified","value":"The document says the policyholder may be entitled to applicable tax benefits on premiums and policy benefits, subject to prevailing tax laws and changes in tax laws, and advises independent tax advice.","display":"Tax benefits may apply, subject to prevailing tax laws and changes in tax laws.","note":null,"quote":"Tax Benefits are subject to the changes in tax laws. You may be entitled to certain applicable tax Benefits on your premiums and Policy Benefits. Please note that all the tax Benefits are subject to the tax laws prevailing at the time of payment of premiums or receipt of Benefits by you. Tax benefits are subject to change in tax laws. It is advisable to seek an independent tax advice.","sources":[{"clause":null,"heading":"Tax Benefits","page":16,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-shiksha-plus-super-plan-prospectus-104l084v19/document/2810#c-tax-benefits"}],"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 (Thirty) days","note":null,"quote":"Free Look: It is a period of 30 (Thirty) days beginning from the date of receipt of the Policy document, whether received electronically or otherwise, to review the terms and conditions of the Policy.","sources":[{"clause":"Row 4(d)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-shiksha-plus-super-plan-prospectus-104l084v19/document/2810#c-row-4-d"}],"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 in case of Monthly mode)","note":"15 days applies for Monthly mode.","quote":"Grace Period: A Grace Period of thirty days from the premium due date (15 days in case of Monthly\nmode) for payment of each premium will be allowed. The insurance coverage continues during the Grace Period.","sources":[{"clause":"Row 4(d)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-shiksha-plus-super-plan-prospectus-104l084v19/document/2810#c-row-4-d"}],"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":"quote-verified","value":"Minimum age of Life Insured at entry is 21 years and maximum is 47 years, age as on last birthday. The Policyholder, who is also the Life Insured, should have a child aged between 0 days to 18 years to propose for the plan.","display":"Entry age: 21 years to 47 years; child must be 0 days to 18 years.","note":null,"quote":"Minimum/ Maximum Age of Life Insured at Entry (age as on last birthday) | Minimum | 21 years\nMaximum | 47 years\nlast birthday) | The Policyholder (who shall also be the Life Insured) should have\na child (own or legally adopted) aged between 0 days to 18 years","sources":[{"clause":null,"heading":"AXIS MAX LIFE SHIKSHA PLUS SUPER AT A GLANCE","page":12,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-shiksha-plus-super-plan-prospectus-104l084v19/document/2810#c-axis-max-life-shiksha-plus-super-at-a-glance"}],"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","Semi-annual","Quarterly","Monthly"],"display":"Annual, Semi-annual, Quarterly, Monthly","note":null,"quote":"Premium Payment Mode | Annual, Semi-annual, Quarterly, Monthly","sources":[{"clause":null,"heading":"AXIS MAX LIFE SHIKSHA PLUS SUPER AT A GLANCE","page":12,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-shiksha-plus-super-plan-prospectus-104l084v19/document/2810#c-axis-max-life-shiksha-plus-super-at-a-glance"}],"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":["5 Pay","Regular Pay"],"display":"5 Pay and Regular Pay","note":"5 Pay is limited premium; Regular Pay is premium payment term of 15 to 25 years.","quote":"Premium Payment Term | 5 years (5 Pay) / 15 to 25 years (Regular Pay)","sources":[{"clause":null,"heading":"AXIS MAX LIFE SHIKSHA PLUS SUPER AT A GLANCE","page":12,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-shiksha-plus-super-plan-prospectus-104l084v19/document/2810#c-axis-max-life-shiksha-plus-super-at-a-glance"}],"law":[]},{"key":"lock_in","label":"Lock-in period","section":"Renewal and rights","meaning":"Years before you can withdraw. ULIPs have a 5-year lock-in.","status":"quote-verified","value":{"unit":"years","amount":5},"display":"first five years","note":null,"quote":"Please Note: Unit Linked Insurance Products do not offer any liquidity during the first five years of the contract.","sources":[{"clause":null,"heading":"PROSPECTUS","page":1,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-shiksha-plus-super-plan-prospectus-104l084v19/document/2810#c-prospectus"}],"law":[{"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 40.1.5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 4","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 42","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 54.1 and 54.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-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 1.22 to 1.24","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)(vii) to (ix)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vi)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"funds","label":"Fund options","section":"Cover","meaning":"The investment funds you can choose and their risk.","status":"quote-verified","value":["High Growth Fund - Very High","Smart Innovation Fund - Very High","Nifty 500 Multifactor 50 Index Fund - Very High","BSE 500 Value 50 Index Fund - Very High","India Consumption Opportunities Fund - Very High","BSE 500 Dividend leaders 50 Index Fund - Very High","NIFTY Small cap Quality Index Fund - Very High","Midcap Momentum Index Fund - Very High","Nifty Alpha 50 Fund - Very High","Nifty 500 Momentum 50 Fund - Very High","Nifty Momentum Quality 50 Fund - Very High","BSE Dividend Stability Index Fund - Very High","BSE 500 Value 50 Index Fund II - Very High","India Sector Leaders Opportunities Fund - Very High","Atmanirbhar India Growth Fund - Very High","Sustainable Wealth 50 Index Fund - Very High","Growth Super Fund - High","Growth Fund - High","Balanced Fund - Medium","Conservative Fund - Low","Secure Fund - Low"],"display":"21 funds: mostly Very High or High risk, plus Balanced Fund Medium, Conservative Fund Low and Secure Fund Low.","note":null,"quote":"You may choose to invest in following Twenty one (21) Funds available in this plan. ... High Growth Fund (SFIN: ULIF01311/ 02/08LIFEH IGHGR104) ... Very High ... Smart Innovation Fund (SFIN: ULIF03301/ 03/25INNO VATION104 ) ... Very High ... Nifty 500 Multifactor 50 Index Fund (SFIN: ULIF03414/ 05/25MULT ... Very High ... BSE 500 Value 50 Index Fund (SFIN: ULIF03623/ 07/25BSEV ALUEIN104 ) ... Very High ... India Consumptio n Opportuniti es Fund (SFIN: ULIF03807/ 10/25INDIA CONSU104) ... Very High ... BSE 500 Dividend leaders 50 Index Fund (SFIN: ULIF03907/ 11/25BSEDI VLEAD104) ... Very High ... NIFTY Small cap Quality Index Fund (SFIN: ULIF02702/ 08/23NIFTY SMALL104) ... Very High ... Midcap Momentum Index Fund (SFIN: ULIF02801/ 01/24MIDM OMENTM1 04) ... Very High ... Nifty Alpha 50 Fund (SFIN: ULIF02914/ 05/24ALPH AFIFTY104) ... Very High ... Nifty 500 Momentum 50 Fund (SFIN: ULIF03015/ 08/24MOME NFIFTY104) ... Very High ... Nifty Momentum Quality 50 Fund (SFIN: ULIF03127/ 10/24MOM QUALITY1 04) ... Very High ... BSE Dividend Stability Index Fund (SFIN: ULIF04607/ 05/26BSEDI VSTAB104) ... Very High ... BSE 500 Value 50 Index Fund II (SFIN: ULIF04807/ 07/26BSEN HVALUE10 4) ... Very High ... India Sector Leaders Opportuniti es Fund (SFIN: ULIF04922/ 07/26SECLE ADERS104) ... Very High ... Atmanirbha r India Growth Fund (SFIN: ULIF05007/ 09/26ATMI NDGROW1 04) ... Very High ... Sustainable Wealth 50 Index Fund (SFIN: ULIF03223/ 12/24SUST WEALTH10 4) ... Very High ... Growth Super Fund (SFIN: ULIF01108/ 02/07LIFEG RWSUP104) ... High ... Growth | Growth Fund invests in ... High ... Balanced Fund (SFIN: ULIF00225/ 06/04LIFEB ALANC104) ... Mediu m ... Conservativ e Fund (SFIN: ULIF00325/ 06/04LIFEC ONSER104) ... Low ... Secure Fund (SFIN: ULIF00425/ 06/04LIFES ECURE104) ... Low","sources":[{"clause":null,"heading":"Step 3: Choose your Investment Strategy","page":2,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-shiksha-plus-super-plan-prospectus-104l084v19/document/2810#c-step-3-choose-your-investment-strategy"},{"clause":null,"heading":"Table of Contents","page":4,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-shiksha-plus-super-plan-prospectus-104l084v19/document/2810#c-table-of-contents"}],"law":[]},{"key":"premium_allocation_charge","label":"Premium allocation charge","section":"Charges","meaning":"Part of each premium taken before investing.","status":"quote-verified","value":"Premium Allocation Charge is 5% of premium in Policy Year 1, 4% in Policy Year 2, and 3% in Policy Years 3 to 5 for both 5 Pay and Regular Pay. For Regular Pay it is 3% in Policy Years 6 to 10 and 0% in Policy Year 11 and above; for 5 Pay these later years are NA.","display":"5% in year 1, 4% in year 2, 3% in years 3-5; Regular Pay 3% in years 6-10 and 0% from year 11.","note":null,"quote":"Premium Allocation Charge (as % of Premium)\nPolicy Year | 5 Pay | Regular Pay\n1 | 5% | 5%\n2 | 4% | 4%\n4% | 4%\n3 - 5 | 3% | 3%\n3 - 5 | 3% | 3%\n6 - 10 | NA | 3%\n6 - 10 | NA | 3%\n11 & above | NA | 0%\n11 & above NA | 0%","sources":[{"clause":null,"heading":"CHARGES UNDER THE POLICY","page":20,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-shiksha-plus-super-plan-prospectus-104l084v19/document/2810#c-charges-under-the-policy"}],"law":[]},{"key":"policy_admin_charge","label":"Policy administration charge","section":"Charges","meaning":"Monthly charge deducted from your fund.","status":"quote-verified","value":"Policy Administration Charge is levied at each monthly anniversary by cancelling units from commencement. It is 0.32% p.m. of Annualised Premium for Regular / Limited Pay annual mode and 0.22% p.m. for non-annual mode, compounding at 5% per annum from the sixth policy year onwards with a cap of Rs 500 per month.","display":"Annual mode: 0.32% p.m.; non-annual mode: 0.22% p.m.; compounds at 5% p.a. from sixth policy year, cap Rs 500 per month.","note":null,"quote":"This is a charge expressed as a percentage of Annualised Premium and is levied at each monthly anniversary by cancelling proportionate Units starting from the date of commencement of Policy. ... Premium Payment Term | Policy Administration Charge (% of Annualised Premium)\nRegular / Limited Pay | 0.32% p.m. compounding at 5% per annum from sixth Policy year\n(Annual mode) | onwards with a cap of ` 500 per month\nRegular / Limited Pay (Non | 0.22% p.m. compounding at 5% per annum from sixth Policy year\n- Annual mode) | onwards with a cap of ` 500 per month","sources":[{"clause":null,"heading":"3. Policy Administration Charge","page":22,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-shiksha-plus-super-plan-prospectus-104l084v19/document/2810#c-3-policy-administration-charge"},{"clause":null,"heading":"Policy Administration Charge (% of Annualised Premium)","page":22,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-shiksha-plus-super-plan-prospectus-104l084v19/document/2810#c-policy-administration-charge-of-annualised-premi"}],"law":[]},{"key":"fund_management_charge","label":"Fund management charge","section":"Charges","meaning":"Yearly charge on fund value; capped at 1.35% by IRDAI.","status":"quote-verified","value":"Fund Management Charge is an annual percentage of fund value appropriated usually daily by adjusting NAV. Listed fund charges range from 0.90% to 1.35% per annum, and the Discontinuance Policy Fund charge is 0.50% per annum.","display":"0.90% to 1.35% p.a. by fund; Discontinuance Policy Fund 0.50% p.a.","note":"The table gives different charges for each fund.","quote":"This is a charge levied as a percentage of the value of assets and shall be appropriated, usually daily, by adjusting the Net Asset Value of the Fund. ... The annual rate of Fund Management Charge is as below. ... BSE Dividend Stability Index Fund (SFIN: | 1.35% ... Secure Fund (SFIN: ULIF00425/06/04LIFESECURE104) | 0.90% ... Discontinuance Policy Fund (SFIN: | 0.50%","sources":[{"clause":null,"heading":"2. Fund Management Charge","page":21,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-shiksha-plus-super-plan-prospectus-104l084v19/document/2810#c-2-fund-management-charge"}],"law":[]},{"key":"mortality_charge","label":"Mortality charge","section":"Charges","meaning":"Cost of life cover, deducted monthly by age.","status":"quote-verified","value":"Mortality charge is levied for risk cover during the Policy Term on the attained age of the Life Insured for the Sum at Risk and is deducted monthly by cancelling units. Sample standard-life rates per Rs 1,000 Sum at Risk include 0.98 at age 25, 1.06 at 30, 1.28 at 35, 1.80 at 40, 2.87 at 45 and 4.95 at 50.","display":"Deducted monthly by cancelling units; sample rates per Rs 1,000 Sum at Risk range from 0.98 at age 25 to 4.95 at age 50.","note":null,"quote":"Mortality charge is levied for providing risk cover to the Life Insured during the Policy Term. This charge is levied on the attained age of the Life Insured for the Sum at Risk and is unisex. On each monthly anniversary, appropriate number of Units is cancelled from the Unit Account at their Unit Price to meet mortality for the Life Insurance starting from the date of commencement of the Policy. ... Age | Mortality charge for standard lives (per ` 1,000 Sum at\nRisk)\n25 | 0.98\n30 | 1.06\n35 | 1.28\n40 | 1.80\n45 | 2.87\n50 | 4.95","sources":[{"clause":null,"heading":"4. Mortality Charge","page":22,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-shiksha-plus-super-plan-prospectus-104l084v19/document/2810#c-4-mortality-charge"}],"law":[]},{"key":"discontinuance_charge","label":"Discontinuance charge","section":"Charges","meaning":"Charge if you stop paying in the first five years.","status":"quote-verified","value":"For 5 Pay and Regular Pay with Annualised Premium above Rs. 50,000, the surrender/discontinuance charge is: Policy Year 1 lower of 6% of Annualised Premium, 6% of Fund Value or Rs 6,000; Year 2 lower of 4%, 4% or Rs 5,000; Year 3 lower of 3%, 3% or Rs 4,000; Year 4 lower of 2%, 2% or Rs 2,000; Year 5 and above nil.","display":"For Annualised Premium above Rs. 50,000: year 1 lower of 6% or Rs 6,000; year 2 lower of 4% or Rs 5,000; year 3 lower of 3% or Rs 4,000; year 4 lower of 2% or Rs 2,000; year 5 and above nil.","note":null,"quote":"For 5 Pay and Regular Pay, Annualised Premium above Rs. 50,000 ... Policy Year | Surrender Charge\n1 | Lower of 6% of Annualised Premium or 6% of Fund Value or ` 6,000\n2 | Lower of 4% of Annualised Premium or 4% of Fund Value or ` 5,000\n3 | Lower of 3% of Annualised Premium or 3% of Fund Value or ` 4,000\n4 | Lower of 2% of Annualised Premium or 2% of Fund Value or ` 2,000\n5 & Above | Nil","sources":[{"clause":null,"heading":"For 5 Pay and Regular Pay, Annualised Premium above Rs. 50,000","page":22,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-shiksha-plus-super-plan-prospectus-104l084v19/document/2810#c-for-5-pay-and-regular-pay-annualised-premium-abo"}],"law":[]},{"key":"switches_withdrawals","label":"Switches and partial withdrawals","section":"Renewal and rights","meaning":"Free fund switches and withdrawals after lock-in.","status":"quote-verified","value":"Up to twelve switches are allowed in a Policy Year and are free of charge. No partial withdrawals are allowed in the first five policy years; thereafter up to two partial withdrawals are allowed in a policy year free of charge, with minimum Rs 5,000 per transaction and a policy-year maximum of 50% of Fund Value, subject to Fund Value after withdrawal being at least one Annualised Premium.","display":"12 free switches per policy year; no partial withdrawals in first 5 years; after that 2 free partial withdrawals per policy year, minimum Rs 5,000 and maximum 50% of Fund Value.","note":null,"quote":"Maximum of twelve (12) Switches are allowed in a Policy Year and they are free of charge. ... No Partial Withdrawals are allowed in the first five Policy years and thereafter a maximum of two Partial Withdrawals are allowed in a Policy year. There is no charge on maximum of two Partial Withdrawals are allowed in a Policy year. There is no charge on Partial Withdrawals. The minimum amount of Partial Withdrawal allowed per transaction Partial Withdrawals. The minimum amount of Partial Withdrawal allowed per transaction is ` 5,000. In a policy year, the maximum amount that can be partially withdrawn is 50% ... subject to the Fund Value immediately after Partial Withdrawal being at least equal to One (1) Annualised Premium","sources":[{"clause":null,"heading":"Flexibilities Offered","page":16,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-shiksha-plus-super-plan-prospectus-104l084v19/document/2810#c-flexibilities-offered"}],"law":[]}],"documents":[{"kind":"wording","label":"Axis Max Life Shiksha Plus Super Plan - Prospectus - (UIN: 104L084V16)","pages":27,"fetched_at":"2026-10-17 19:42:32+00","source_url":"https://www.axismaxlife.com/static-page/assets/homepage/104L084V16_Shiksha%20Plus%20Super_Prospectus_Withdrawn.pdf","url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-shiksha-plus-super-plan-prospectus-104l084v19/document/2777"},{"kind":"wording","label":"Axis Max Life Shiksha Plus Super Plan - Prospectus - (UIN: 104L084V17)","pages":27,"fetched_at":"2026-10-17 19:42:40+00","source_url":"https://www.axismaxlife.com/static-page/assets/homepage/104L084V17_Shiksha%20Plus%20Super_Prospectus_Withdrawn.pdf","url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-shiksha-plus-super-plan-prospectus-104l084v19/document/2784"},{"kind":"wording","label":"Axis Max Life Shiksha Plus Super Plan - Policy Document - (UIN: 104L084V16)","pages":30,"fetched_at":"2026-10-17 19:42:33+00","source_url":"https://www.axismaxlife.com/static-page/assets/homepage/104L084V16_Shiksha%20Plus%20Super_Policy-Document_Withdrawn.pdf","url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-shiksha-plus-super-plan-prospectus-104l084v19/document/2786"},{"kind":"wording","label":"Axis Max Life Shiksha Plus Super Plan - Policy Document - (UIN: 104L084V17)","pages":30,"fetched_at":"2026-10-17 19:42:41+00","source_url":"https://www.axismaxlife.com/static-page/assets/homepage/Axis_Max_Life_Insurance_Shiksha_Plus_Super_104_L084_V17_Withdrawn_32492d7638.pdf","url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-shiksha-plus-super-plan-prospectus-104l084v19/document/2787"},{"kind":"wording","label":"Axis Max Life Shiksha Plus Super Plan - Prospectus - (UIN: 104L084V18)","pages":27,"fetched_at":"2026-10-17 19:42:53+00","source_url":"https://www.axismaxlife.com/static-page/assets/homepage/104L084V18_Shiksha%20Plus%20Super_Prospectus_Withdrawn.pdf","url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-shiksha-plus-super-plan-prospectus-104l084v19/document/2794"},{"kind":"wording","label":"Axis Max Life Shiksha Plus Super Plan - Policy Document - (UIN: 104L084V18)","pages":30,"fetched_at":"2026-10-17 19:42:54+00","source_url":"https://www.axismaxlife.com/static-page/assets/homepage/104L084V18_Shiksha%20Plus%20Super_Policy-Document_Withdrawn.pdf","url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-shiksha-plus-super-plan-prospectus-104l084v19/document/2798"},{"kind":"wording","label":"Axis Max Life Shiksha Plus Super Plan - Policy Document - (UIN: 104L084V18)","pages":30,"fetched_at":"2026-10-17 19:43:02+00","source_url":"https://www.axismaxlife.com/static-page/assets/homepage/104L084V19_Shiksha%2520Plus%2520Super_Policy-Document_Withdrawn.pdf","url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-shiksha-plus-super-plan-prospectus-104l084v19/document/2805"},{"kind":"wording","label":"Axis Max Life Shiksha Plus Super Plan - Prospectus - (UIN: 104L084V19)","pages":28,"fetched_at":"2026-10-17 19:43:01+00","source_url":"https://www.axismaxlife.com/static-page/assets/homepage/104L084V19_Shiksha%2520Plus%2520Super_Prospectus_Withdrawn.pdf","url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-shiksha-plus-super-plan-prospectus-104l084v19/document/2810"}],"versions":[{"uin":"104L084V16","version":null,"approved_on":null},{"uin":"104L084V17","version":null,"approved_on":null},{"uin":"104L084V18","version":null,"approved_on":null},{"uin":"104L084V19","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Axis Max Life Insurance official website","url":"https://www.axismaxlife.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 centre","url":"https://www.axismaxlife.com/claims-centre","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.axismaxlife.com/customer-servicing/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."},{"purpose":"renew","kind":"insurer","name":"Pay renewal premium","url":"https://www.axismaxlife.com/cs/pay-online","note":null}],"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":"Axis Max Life Shiksha Plus Super Plan - Prospectus (UIN 104L084V19), IndiaInsurances, https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-shiksha-plus-super-plan-prospectus-104l084v19"}