{"uin":"104N117V02","name":"Max Life Saral Jeevan Bima","url":"https://indiainsurances.com/policy/axis-max-life-insurance/max-life-saral-jeevan-bima-104n117v02","insurer":{"slug":"axis-max-life-insurance","name":"Axis Max Life Insurance Limited","url":"https://indiainsurances.com/insurer/axis-max-life-insurance"},"line":"life","category":"term-life","category_name":"Term life","irdai_type":"Product","kind":"product","status":"active","approved_on":"2024-09-09","withdrawn_on":null,"summary":"Axis Max Life Saral Jeevan Bima is a non-linked non-participating pure risk term plan that pays a lump sum on death, with sum assured of Rs 5 lakhs to Rs 25 lakhs, entry ages 18 to 65 and cover to age 70. Only accidental death is covered in the first 45 days (other deaths return 100% of premiums paid), and there is no maturity benefit, surrender value, loan or rider.","analysis":{"state":"extracted","analysed_at":"2026-10-16 07:12:00.831913+00","note":"Every stated fact carries a verbatim quote found in the cited clause."},"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":"No named plans. The product has premium payment variants only (Single, Limited and Regular Premium Payment); see premium_type.","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":"cross-checked","value":"5 to 40 years. For Limited Pay the term is (PPT plus 5) to 40 years.","display":"5 to 40 years","note":"Limited Pay (5 or 10 year PPT): term from PPT plus 5 to 40 years. Cover ceases by age 70.","quote":"Policy term (PT) | 5 to 40 years ... Limited Pay | 5, 10 years | (PPT plus 5) to 40 Years ... Maximum cover ceasing age* | 70 years","sources":[{"clause":null,"heading":"Axis Max Life Saral Jeevan Bima at a glance","page":2,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/max-life-saral-jeevan-bima-104n117v02/document/233#c-axis-max-life-saral-jeevan-bima-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":"cross-checked","value":"Death must be intimated in writing with the death certificate within 90 days from the date of death; delay for reasons beyond the claimant's control may be condoned on merit.","display":"Within 90 days of death","note":"The CIS also says: 'All cases of death must be notified immediately to us in writing.'","quote":"Within 90 days from the date of death, intimation of death along with death certificate must be notified in writing to the office of the Company where the Policy is serviced. However, delay in intimation of the genuine claim by the Claimant, may be condoned by the Company, on merit","sources":[{"clause":"6(a)","heading":"Death Claim","page":16,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/max-life-saral-jeevan-bima-104n117v02/document/232#c-6-a"}],"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":"cross-checked","value":["claim forms, as prescribed by the Company","original Policy Document","original/ attested copy of death certificate issued by the local/municipal authority","discharge summary / indoor case papers in case death happened due to medical reasons in a hospital","medical booklet / CGHS card details in case of defence and central government personnel","body transfer certificate / embassy documents / postmortem report in case of death in foreign country","complete passport copy in case of death in foreign country","identity proofs of the Claimants bearing their photographs and signatures","other life / health insurance details with claim history details","employer certificate with complete leave records (Form E)","attending physician's statement (Form C) and the medical records, in case of a medical/natural death","NEFT mandate form attested by bank authorities","copy of bank passbook / cancelled cheque of the Claimant","ITR for last 3 years / GST certificate in case of self employed","Bank statement of last 2 years of the Life Insured","proof of age, if Age is not admitted","FIR, Panchnama and Post Mortem report in case of unnatural or accidental death"],"display":"Claim forms, original policy, death certificate, medical records, ID proofs, bank details, ITR / bank statements; FIR and post-mortem report for accidental death; extra papers for death abroad","note":"The Company may call for additional documents.","quote":"claim forms, as prescribed by the Company, accompanied with original Policy Document, original/ attested copy of death certificate issued by the local/municipal authority, discharge summary / indoor case papers in case death happened due to medical reasons in a hospital, medical booklet / CGHS card details in case of defence and central government personnel, body transfer certificate / embassy documents / postmortem report whichever applicable in case of death in foreign country, complete passport copy in case of death in foreign country, identity proofs of the Claimants bearing their photographs and signatures, other life / health insurance details with claim history details, employer certificate with complete leave records (Form E), in case of a medical/natural death of the Life Insured, the attending physician’s statement (Form C) and the medical records (admission notes, discharge/death summary, test reports, etc.), NEFT mandate form attested by bank authorities, copy of bank passbook / cancelled cheque of the Claimant, ITR for last 3 years / GST certificate in case of self employed, Bank statement of last 2 years of the Life Insured ... If the Age is not admitted under the Policy, the proof of age of the Life assured shall also be submitted. In case of unnatural death or death on account of or arising from an accident, the Company may call for the copies of First Information Report (FIR), Panchnama and Post Mortem report. The Company may also call for additional documents as may be required by them.","sources":[{"clause":"6(a)","heading":"Death Claim","page":16,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/max-life-saral-jeevan-bima-104n117v02/document/232#c-6-a"}],"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":"cross-checked","value":"30 days after receipt of all documents or completion of investigations, if any, whichever is later.","display":"30 days after all documents or investigation","note":"From the CIS; the policy wording does not state a claim settlement time.","quote":"Turn Around Time (TAT) for claims settlement: 30 days after receipt of entire documents or completion of investigations, if any, whichever is later","sources":[{"clause":"Row 5(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/max-life-saral-jeevan-bima-104n117v02/document/234#c-row-5-b-3"}],"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":"cross-checked","value":["Death other than due to accident during the Waiting Period of 45 days from the Date of Commencement of Risk (only 100% of Premiums Paid is refunded)","Suicide within 12 months from the Date of Commencement of Risk or from the date of Revival (80% of Premiums paid, or 90% of single Premium, or the Surrender Value if higher, is paid)"],"display":"Non-accidental death in the 45-day waiting period; suicide within 12 months","note":"Waiting period does not apply after Revival. No other exclusions are listed.","quote":"This Policy will cover death due to accident only during the Waiting Period of 45 days from the Date of Commencement of Risk. In case of the death of the Life Assured other than due to accident during the Waiting Period, an amount equal to 100% of all Premiums Paid excluding taxes, if any, shall be paid and the Sum Assured on Death shall not be paid. ... This Policy shall be void if the Life Assured commits suicide at any time within 12 months from the Date of Commencement of Risk, provided the Policy is Inforce or within 12 months from the date of Revival and the Company will not entertain any claim except for 80% of the Premiums paid ... or the Surrender Value available as on the date of death whichever is higher ... except 90 % of the single Premium paid","sources":[{"clause":"2","heading":null,"page":2,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/max-life-saral-jeevan-bima-104n117v02/document/232#c-2"},{"clause":"4(a)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/max-life-saral-jeevan-bima-104n117v02/document/232#c-4-a-2"},{"clause":"4(b)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/max-life-saral-jeevan-bima-104n117v02/document/232#c-4-b-2"}],"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":"cross-checked","value":"First contact your agent or the customer helpdesk (Helpline 1860 120 5577, service.helpdesk@axismaxlife.com) or any office; if the response is unsatisfactory or there is none within 14 days, write to the Grievance Redressal Officer.","display":"Agent or customer helpdesk first, then the Grievance Redressal Officer after 14 days","note":"Then the IRDAI Grievance Cell (155255 / 1800 4254 732) and the Insurance Ombudsman. The prospectus gives older maxlifeinsurance.com e-mail addresses.","quote":"All consumer grievances and/or queries may be first addressed to your agent or our customer helpdesk as mentioned below: ... Helpline No. – 1860 120 5577, Email: service.helpdesk@axismaxlife.com or ... b) Any office of Axis Max Life Insurance Limited. If our response is not satisfactory or there is no response within 14 (Fourteen) days, the complainant may file a written complaint with full details of the complaint and the complainant’s contact information to the following official for resolution: Greivance Redressal Officer","sources":[{"clause":"1.1","heading":null,"page":18,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/max-life-saral-jeevan-bima-104n117v02/document/232#c-1-1"},{"clause":"1.1(a)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/max-life-saral-jeevan-bima-104n117v02/document/232#c-1-1-a"},{"clause":"1.1(b)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/max-life-saral-jeevan-bima-104n117v02/document/232#c-1-1-b"}],"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":"cross-checked","value":"Minimum Rs 5 lakhs, maximum Rs 25 lakhs, in multiples of Rs 50,000.","display":"Rs 5 lakh to Rs 25 lakh (multiples of Rs 50,000)","note":"Minimum from the sales brochure; the prospectus table is garbled at this row. Maximum is subject to the board-approved underwriting policy.","quote":"Maximum Sum assured up to Rs. 25,00,000 (only multiples of Rs. 50,000 allowed) ... Rs 25 lakhs, subject to limits determined in accordance with the Board approved ... Minimum sum assured (Rs.) | ` 5 Lakhs","sources":[{"clause":null,"heading":"Axis Max Life Saral Jeevan Bima","page":1,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/max-life-saral-jeevan-bima-104n117v02/document/233#c-axis-max-life-saral-jeevan-bima"},{"clause":null,"heading":"Minimum sum assured","page":2,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/max-life-saral-jeevan-bima-104n117v02/document/233#c-minimum-sum-assured"},{"clause":null,"heading":"Fill up the","page":2,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/max-life-saral-jeevan-bima-104n117v02/document/235#c-fill-up-the"}],"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":"cross-checked","value":"Lump sum Sum Assured on Death: for regular or limited pay the highest of 10 times the Annualized Premium, 105% of all Premiums Paid, or the Basic Sum Assured; for single pay the higher of 125% of single Premium or the Basic Sum Assured. Within the 45-day waiting period only accidental death gets this; other deaths get 100% of Premiums Paid.","display":"Highest of 10 x annualised premium, 105% of premiums paid, or sum assured (single pay: higher of 125% of premium or sum assured)","note":"Waiting Period of 45 days from the Date of Commencement of Risk: accidental death pays Sum Assured on Death, other deaths pay 100% of Premiums Paid.","quote":"1. For regular Premium or limited Premium payment Policy, “Sum Assured on Death” which is the highest of: a) 10 times of Annualized Premium; or b) 105% of all the Premiums Paid as on the date of death; or c) Absolute amount assured to be paid on death. 2. For single Premium Policy, “Sum Assured on Death” which is the higher of: a) 125% of single Premium or b) Absolute amount assured to be paid on death. ... Absolute amount assured to be paid on death shall be an amount equal to Basic Sum Assured. ... the Death Benefit amount payable as a lump sum is: ... 3. In case of death due to other than accident, the Death Benefit is equal to 100% of all Premiums Paid excluding taxes, if any. ... “Waiting Period” means a period of 45 (forty-five) days from the Date of Commencement of Risk.","sources":[{"clause":"1(a)(i)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/max-life-saral-jeevan-bima-104n117v02/document/232#c-1-a-i"},{"clause":"52","heading":"“Waiting Period”","page":8,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/max-life-saral-jeevan-bima-104n117v02/document/232#c-52"}],"law":[]},{"key":"maturity_benefit","label":"Maturity benefit","section":"Cover","meaning":"What you get if you survive to the end of the term.","status":"cross-checked","value":"None. No maturity benefit is payable.","display":"None","note":null,"quote":"No Maturity Benefit shall be payable on the Life Assured surviving the stipulated Date of Maturity.","sources":[{"clause":"1(a)(i)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/max-life-saral-jeevan-bima-104n117v02/document/232#c-1-a-i"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"cross-checked","value":"Single pay; Limited Pay of 5 or 10 years; or Regular Pay for the whole policy term (5 to 40 years).","display":"Single, 5 or 10 years, or regular (5 to 40 years)","note":"The premium payment variant can only be chosen at inception.","quote":"Limited Pay | 5, 10 years | (PPT plus 5) to 40 Years ... Regular Pay | 5 to 40 years | 5 to 40 Years ... Single Pay | Single (1) | 5 to 40 Years","sources":[{"clause":null,"heading":"Axis Max Life Saral Jeevan Bima at a glance","page":2,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/max-life-saral-jeevan-bima-104n117v02/document/233#c-axis-max-life-saral-jeevan-bima-at-a-glance"}],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"cross-checked","value":"Maximum cover ceasing age 70 years; minimum maturity age 23 years (age last birthday).","display":"70 years","note":null,"quote":"Minimum Maturity Age 23 years (age last birthday) Age Maximum cover ceasing age* | 70 years","sources":[{"clause":null,"heading":"Axis Max Life Saral Jeevan Bima at a glance","page":2,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/max-life-saral-jeevan-bima-104n117v02/document/233#c-axis-max-life-saral-jeevan-bima-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":"cross-checked","value":"Suicide within 12 months from the Date of Commencement of Risk (or from Revival, for regular/limited pay) pays 80% of Premiums paid (regular/limited pay) or 90% of the single Premium, or the Surrender Value if higher, provided the policy is in force.","display":"80% of premiums paid (single pay: 90% of single premium) for suicide within 12 months","note":"Not applicable to a lapsed policy. Single premium: 12 months from the Date of Commencement of Risk only.","quote":"This Policy shall be void if the Life Assured commits suicide at any time within 12 months from the Date of Commencement of Risk, provided the Policy is Inforce or within 12 months from the date of Revival and the Company will not entertain any claim except for 80% of the Premiums paid (excluding any extra amount if charged under the Policy due to Underwriting decisions, taxes and Rider Premiums, if any) till the date of death or the Surrender Value available as on the date of death whichever is higher, provided the policy is in force. ... except 90 % of the single Premium paid","sources":[{"clause":"4(a)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/max-life-saral-jeevan-bima-104n117v02/document/232#c-4-a-2"},{"clause":"4(b)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/max-life-saral-jeevan-bima-104n117v02/document/232#c-4-b-2"}],"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":"cross-checked","value":"No surrender value. A Policy Cancellation Value of 70% of premiums paid times unexpired term over original term is payable for single pay (immediately) and limited pay (after 2 full years' premiums); nothing for regular pay.","display":"No surrender value; cancellation value for single and limited pay only","note":null,"quote":"Surrender: Surrender Value is not applicable under this Policy. ... The Policy Cancellation Value acquires immediately after receipt of single Premium ... 70% × single Premium paid × unexpired Policy Term original Policy Term ... The Policy Cancellation Value acquires if at least two (2) consecutive full years’ Premiums are paid and is calculated as follows: = | 70% × total Premiums paid × unexpired Policy Term original Policy Term ... d) No Policy Cancellation Value shall be payable in respect of regular Premium Policies.","sources":[{"clause":"5","heading":"Surrender","page":12,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/max-life-saral-jeevan-bima-104n117v02/document/232#c-5-2"},{"clause":"6(c)(i)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/max-life-saral-jeevan-bima-104n117v02/document/232#c-6-c-i"},{"clause":"6(c)(ii)","heading":"Limited Premium Payment Term","page":12,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/max-life-saral-jeevan-bima-104n117v02/document/232#c-6-c-ii"}],"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":"cross-checked","value":"No paid-up value. Benefits cease after the grace period if premiums stop; limited pay policies get the Policy Cancellation Value.","display":"None","note":null,"quote":"• Paid Up Period ➢ Not Applicable ... all the benefits shall cease after the expiry of Grace Period from the date of first unpaid Premium and nothing shall be payable ... However, in case of limited Premium payment Policies, the amount as payable in case of Surrender shall be refunded and the Policy will terminate.","sources":[{"clause":"Row 5(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/max-life-saral-jeevan-bima-104n117v02/document/234#c-row-5-b-3"},{"clause":"3(a)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/max-life-saral-jeevan-bima-104n117v02/document/232#c-3-a"},{"clause":"4(c)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/max-life-saral-jeevan-bima-104n117v02/document/232#c-4-c"}],"law":[]},{"key":"revival","label":"Revival period","section":"Renewal and rights","meaning":"How long after lapsing you can restart the policy.","status":"cross-checked","value":"Within five consecutive years from the due date of the first unpaid premium, before maturity, on paying arrears with interest and subject to proof of continued insurability.","display":"5 years","note":"Interest: nil for 0-60 days, RBI Bank Rate + 1% p.a. for 61-180 days, RBI Bank Rate + 3% p.a. beyond 180 days (7.75% and 9.75% when printed). Only regular and limited pay policies.","quote":"“Revival Period” means the period of five consecutive years from the Due Date of first unpaid Premium ... it may be revived during the life time of the Life Assured, but within the Revival Period and before the Date of Maturity, as the case may be, on payment of all the arrears of Premium(s) together with interest ... Proof of Continued Insurability may be required for Revival ... Revival of lapsed Policies (applicable for regular and limited Premium Payment Policies) ... 0-60 | Nil | 0.00% 61-180 | RBI Bank Rate + 1% p.a. compounded annually on due Premiums | 7.75% >180 | RBI Bank Rate + 3% p.a. compounded annually on due Premiums | 9.75%","sources":[{"clause":"42","heading":"“Revival Period”","page":8,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/max-life-saral-jeevan-bima-104n117v02/document/232#c-42"},{"clause":"4","heading":"Revival of lapsed Policies (applicable for regular and limited Premium Payment Policies)","page":11,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/max-life-saral-jeevan-bima-104n117v02/document/232#c-4-2"},{"clause":"4(a)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/max-life-saral-jeevan-bima-104n117v02/document/232#c-4-a"},{"clause":null,"heading":"Policy","page":12,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/max-life-saral-jeevan-bima-104n117v02/document/232#c-policy"},{"clause":"4(b)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/max-life-saral-jeevan-bima-104n117v02/document/232#c-4-b"}],"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":"cross-checked","value":"No. No loan is available.","display":"No","note":null,"quote":"Policy Loan: No loan will be available under this Policy","sources":[{"clause":"7","heading":"Policy Loan: No loan will be available under this Policy","page":13,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/max-life-saral-jeevan-bima-104n117v02/document/232#c-7-2"}],"law":[]},{"key":"riders_available","label":"Riders available","section":"Cover","meaning":"Optional add-ons such as accidental death, critical illness or waiver of premium.","status":"cross-checked","value":["None"],"display":"None","note":null,"quote":"No Rider will be applicable to this Policy. ... No Rider is available under this Plan.","sources":[{"clause":"1(a)(i)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/max-life-saral-jeevan-bima-104n117v02/document/232#c-1-a-i"},{"clause":"Row 5(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/max-life-saral-jeevan-bima-104n117v02/document/234#c-row-5-b-3"}],"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":"cross-checked","value":"Section 45 applies: the policy cannot be called in question on any ground after 3 years from issuance, risk commencement, revival or rider date, whichever is later; within 3 years it may be questioned on grounds of fraud or misstatement.","display":"Applies; no questioning after 3 years","note":null,"quote":"The provisions of Section 45 of the Insurance Act 1938, as amended from time to time, shall be applicable. ... No Policy of Life Insurance shall be called in question on any ground whatsoever after expiry of 3 yrs from a. the date of issuance of policy or b. the date of commencement of risk or c.the date of revival of policy or d. the date of rider to the policy, whichever is later. 2.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 the proposal","sources":[{"clause":"3","heading":"Section 45 of the Insurance Act 1938","page":15,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/max-life-saral-jeevan-bima-104n117v02/document/232#c-3-4"},{"clause":"Section 45","heading":"Policy shall not be called in question on the ground of mis-statement after three years","page":22,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/max-life-saral-jeevan-bima-104n117v02/document/232#c-section-45"}],"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":"cross-checked","value":"Tax benefits may be available as per prevailing tax laws; the policyholder or nominee is liable for compliance.","display":"Tax benefits may be available as per prevailing tax laws","note":null,"quote":"The tax benefits may be available as per prevailing tax laws. The Policyholder or the Nominee shall be liable for compliance of applicable tax provisions.","sources":[{"clause":"5","heading":"Tax","page":15,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/max-life-saral-jeevan-bima-104n117v02/document/232#c-5-3"}],"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":"cross-checked","value":{"unit":"days","amount":30},"display":"30 days","note":"Refund less proportionate risk premium, medical examination expenses and stamp duty.","quote":"The Policyholder has a Free Look Period of 30 days beginning from the date of receipt of the Policy Document ... Then the Policyholder shall be entitled to a refund of the Premium paid subject only to the deduction of a proportionate risk Premium for the period of cover and expenses incurred by the Company on medical examination and stamp duty charges","sources":[{"clause":"2(a)","heading":"This","page":11,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/max-life-saral-jeevan-bima-104n117v02/document/232#c-2-a-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":"cross-checked","value":{"unit":"days","amount":30},"display":"30 days (15 days for monthly mode)","note":"15 days for monthly mode. Not applicable to single premium policies.","quote":"Grace Period (applicable in case of limited and regular Premium payment Policies only) ... A Grace Period of 30 days where the mode of payment of Premium is yearly or half yearly and 15 days in case of monthly","sources":[{"clause":"3","heading":"Grace Period (applicable in case of limited and regular Premium payment Policies only)","page":10,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/max-life-saral-jeevan-bima-104n117v02/document/232#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":"cross-checked","value":"18 to 65 years (age last birthday).","display":"18 to 65 years","note":null,"quote":"Minimum entry age: 18 years Available issue ages* Maximum entry age: 65 years ... *Age last birthday on the effective date","sources":[{"clause":null,"heading":"Axis Max Life Saral Jeevan Bima at a glance","page":2,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/max-life-saral-jeevan-bima-104n117v02/document/233#c-axis-max-life-saral-jeevan-bima-at-a-glance"},{"clause":null,"heading":"Minimum sum assured","page":2,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/max-life-saral-jeevan-bima-104n117v02/document/233#c-minimum-sum-assured"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"cross-checked","value":["Annual","Semi Annual","Monthly"],"display":"Annual, semi-annual, monthly","note":"Monthly only with ECS/NACH. Modal factors: semi-annual 0.513, monthly 0.088 (sales brochure prints semi-annual as 'O.515').","quote":"Annual; Semi Annual, & Monthly ... Monthly payment mode will be accepted only with ECS/NACH ... Semi-annual | 0.513 ... Monthly | 0.088 ... Semi-annual | O.515","sources":[{"clause":null,"heading":"Minimum sum assured","page":2,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/max-life-saral-jeevan-bima-104n117v02/document/233#c-minimum-sum-assured"},{"clause":null,"heading":"Fill up the","page":2,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/max-life-saral-jeevan-bima-104n117v02/document/235#c-fill-up-the"}],"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":"cross-checked","value":["Single Premium Payment","Limited Premium Payment","Regular Premium Payment"],"display":"Single, limited (5 or 10 years) or regular","note":"Chosen at inception; cannot be changed later.","quote":"Premium payment term variant: Single Premium Payment / Limited Premium Payment / Regular Premium Payment ... Limited Pay | 5, 10 years ... The premium payment variant of the base benefit can only be chosen at policy inception and cannot be changed subsequently.","sources":[{"clause":null,"heading":"POLICY SCHEDULE","page":4,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/max-life-saral-jeevan-bima-104n117v02/document/232#c-policy-schedule"},{"clause":null,"heading":"Axis Max Life Saral Jeevan Bima at a glance","page":2,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/max-life-saral-jeevan-bima-104n117v02/document/233#c-axis-max-life-saral-jeevan-bima-at-a-glance"}],"law":[]},{"key":"return_of_premium","label":"Return of premium option","section":"Cover","meaning":"Whether premiums come back if you survive the term, and at what cost. 'No' only when the document says no maturity benefit is payable.","status":"cross-checked","value":"No. No maturity benefit is payable.","display":"No","note":null,"quote":"No Maturity Benefit shall be payable on the Life Assured surviving the stipulated Date of Maturity.","sources":[{"clause":"1(a)(i)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/max-life-saral-jeevan-bima-104n117v02/document/232#c-1-a-i"}],"law":[]},{"key":"payout_options","label":"Payout options","section":"Cover","meaning":"Lump sum, monthly income, or a mix for your family.","status":"cross-checked","value":"Lump sum.","display":"Lump sum","note":"The CIS says options to policyholders for availing benefits are not applicable.","quote":"the Death Benefit amount payable as a lump sum is ... Options to policyholders for availing benefits, if any, covered under the policy. ➢ This is not applicable.","sources":[{"clause":"1(a)(i)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/max-life-saral-jeevan-bima-104n117v02/document/232#c-1-a-i"},{"clause":"Row 5(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/max-life-saral-jeevan-bima-104n117v02/document/234#c-row-5-b-3"}],"law":[]},{"key":"terminal_illness","label":"Terminal illness benefit","section":"Cover","meaning":"Whether part of the cover is paid early on diagnosis of a terminal illness.","status":"not-stated","value":null,"display":null,"note":"Not mentioned in any document, including the sales brochure. The only benefit is the death benefit; the CIS says other benefits specific to the policy are not applicable.","quote":null,"sources":[],"law":[]},{"key":"increasing_cover","label":"Increasing or life-stage cover","section":"Cover","meaning":"Options to raise cover over time or at marriage or childbirth.","status":"not-stated","value":null,"display":null,"note":"Not mentioned in any document, including the sales brochure. The Sum Assured on Death is fixed at inception.","quote":null,"sources":[],"law":[]},{"key":"waiver_of_premium","label":"Waiver of premium","section":"Cover","meaning":"Whether future premiums stop on disability or critical illness.","status":"not-stated","value":null,"display":null,"note":"Not mentioned in any document, including the sales brochure; no riders are available under this plan.","quote":null,"sources":[],"law":[]},{"key":"medicals","label":"Medical tests","section":"Eligibility","meaning":"Whether medical tests are needed, and at what cover.","status":"cross-checked","value":"Medicals and financial documents may be called for if needed; no cover threshold is stated.","display":"May be required","note":null,"quote":"Medicals and financial documents may be called for, if needed.","sources":[{"clause":null,"heading":"Apply for protection in 3 easy steps","page":1,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/max-life-saral-jeevan-bima-104n117v02/document/233#c-apply-for-protection-in-3-easy-steps"}],"law":[]}],"documents":[{"kind":"wording","label":"Policy document","pages":24,"fetched_at":"2026-10-16 07:11:47.095207+00","source_url":"https://www.axismaxlife.com/static-page/assets/homepage/SJB%20Policy%20Document.pdf","url":"https://indiainsurances.com/policy/axis-max-life-insurance/max-life-saral-jeevan-bima-104n117v02/document/232"},{"kind":"prospectus","label":"Prospectus","pages":11,"fetched_at":"2026-10-16 07:11:47.095207+00","source_url":"https://www.axismaxlife.com/static-page/assets/homepage/SJB-Prospectus.pdf","url":"https://indiainsurances.com/policy/axis-max-life-insurance/max-life-saral-jeevan-bima-104n117v02/document/233"},{"kind":"cis","label":"Customer Information Sheet","pages":11,"fetched_at":"2026-10-16 07:11:47.095207+00","source_url":"https://www.axismaxlife.com/static-page/assets/homepage/Saral-Jeevan-Bima-CIS.pdf","url":"https://indiainsurances.com/policy/axis-max-life-insurance/max-life-saral-jeevan-bima-104n117v02/document/234"},{"kind":"brochure","label":"Leaflet","pages":7,"fetched_at":"2026-10-16 07:11:47.095207+00","source_url":"https://www.axismaxlife.com/static-page/assets/homepage/SJB_Leaflet_7528104fba.pdf","url":"https://indiainsurances.com/policy/axis-max-life-insurance/max-life-saral-jeevan-bima-104n117v02/document/235"}],"versions":[],"where_to_buy":[],"claims_and_complaints":[],"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":"Max Life Saral Jeevan Bima (UIN 104N117V02), IndiaInsurances, https://indiainsurances.com/policy/axis-max-life-insurance/max-life-saral-jeevan-bima-104n117v02"}