{"uin":"105L126V08","name":"ICICI Life Elite Wealth","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-elite-wealth-105l126v08","insurer":{"slug":"icici-life-insurance","name":"ICICI Life Insurance Company Limited","url":"https://indiainsurances.com/insurer/icici-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":"ICICI Pru Elite Wealth is a unit linked life insurance policy with One Pay and Five Pay premium options. The death benefit is the higher of Sum Assured reduced by applicable partial withdrawals and Fund Value including Top up Fund Value.","analysis":{"state":"machine","analysed_at":"2026-10-20 05:25:57.203839+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":["One Pay","Five Pay"],"display":"One Pay; Five Pay","note":"These are premium payment variants rather than separate named plans, but several terms differ between them.","quote":"b. Five Pay means that premiums are payable for five policy years. c. One Pay means that premium is payable once.","sources":[{"clause":null,"heading":"9. Annexure","page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-elite-wealth-105l126v08/document/22525#c-9-annexure"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"The wording says claim intimation must be in writing, but it does not state a deadline.","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":"quote-verified","value":["Claimant·s Statement","Original Policy document","Death Certificate of the Life Assured issued by the local and medical authority","Any other documents or information as may be required by the Company for processing of the claim depending on the cause of the claim"],"display":"Claimant·s Statement; Original Policy document; Death Certificate; any other documents or information required depending on cause of claim","note":null,"quote":"a) Claimant·s Statement b. Original Policy document c. Death Certificate of the Life Assured issued by the local and medical authority d. Any other documents or information as may be required by the Company for processing of the claim depending on the cause of the claim","sources":[{"clause":"11(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-elite-wealth-105l126v08/document/22525#c-11-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":"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":["If the Life Assured, whether sane or insane, commits suicide within one year from date of issuance of this policy, then the policy will be void.","No other benefit will be paid under the policy.","If the Life Assured, whether sane or insane, commits suicide within one year from the effective date of increase in the Sum Assured, then the amount of increase will not be considered in the calculation of the death benefit."],"display":"Suicide within one year voids the policy with only Fund Value including Top-up Fund Value refunded; suicide within one year of Sum Assured increase excludes the increase from death benefit.","note":null,"quote":"If the Life Assured, whether sane or insane, commits suicide within one year from date of issuance of this policy, then the policy will be void. We will refund only the Fund value including Top-up Fund Value, if any, under the policy. No other benefit will be paid under the policy. ... If the Life Assured, whether sane or insane, commits suicide within one year from the effective date of increase in the Sum Assured, then the amount of increase will not be considered in the calculation of the death benefit.","sources":[{"clause":"8.8","heading":"Suicide","page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-elite-wealth-105l126v08/document/22525#c-8-8"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_assured","label":"Sum assured","section":"Cover","meaning":"The minimum and maximum life cover, or the rule that sets it (for example 10 times the annual premium).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"death_benefit","label":"Death benefit","section":"Cover","meaning":"What your family gets if you die during the term, and how it is calculated.","status":"quote-verified","value":"If the policy is in force on the date of death, the insurer pays the higher of Sum Assured reduced by applicable partial withdrawals, if any, and Fund Value including Top up Fund Value, if any. The policy terminates on payment of the death benefit.","display":"Higher of Sum Assured, reduced by applicable partial withdrawals, and Fund Value including Top up Fund Value.","note":null,"quote":"2.1Death Benefiti. The policy has to be in force as on the date of death of the Life Assured. ii. We will pay the higher of Sum Assured (reduced by applicable partial withdrawals, if any) and Fund Value (including Top up Fund Value, if any iii. Death benefit may be taxable as per the prevailing tax laws. iv. The policy will terminate on payment of the death benefit.","sources":[{"clause":null,"heading":"2. Key Benefits","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-elite-wealth-105l126v08/document/22525#c-2-key-benefits"}],"law":[]},{"key":"maturity_benefit","label":"Maturity benefit","section":"Cover","meaning":"What you get if you survive to the end of the term.","status":"not-stated","value":null,"display":null,"note":"The maturity section states that the policy must be in force and gives a settlement option, but the readable wording does not state the amount payable at maturity.","quote":null,"sources":[],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"quote-verified","value":"One Pay premiums are payable once. Five Pay premiums are payable for five policy years.","display":"One Pay: once; Five Pay: five policy years.","note":null,"quote":"b. Five Pay means that premiums are payable for five policy years. c. One Pay means that premium is payable once.","sources":[{"clause":null,"heading":"9. Annexure","page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-elite-wealth-105l126v08/document/22525#c-9-annexure"}],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"suicide_clause","label":"Suicide clause","section":"Exclusions","meaning":"What is paid if death is by suicide within the first 12 months.","status":"quote-verified","value":"If the Life Assured commits suicide within one year from the date of issuance, the policy is void and only the Fund Value including Top-up Fund Value, if any, is refunded. If suicide occurs within one year from the effective date of an increase in Sum Assured, the increase is not considered in the death benefit.","display":"Within one year of issue: policy void, refund only Fund Value including Top-up Fund Value; within one year of Sum Assured increase: increase excluded from death benefit.","note":null,"quote":"If the Life Assured, whether sane or insane, commits suicide within one year from date of issuance of this policy, then the policy will be void. We will refund only the Fund value including Top-up Fund Value, if any, under the policy. No other benefit will be paid under the policy. If the Life Assured, whether sane or insane, commits suicide within one year from the effective date of increase in the Sum Assured, then the amount of increase will not be considered in the calculation of the death benefit.","sources":[{"clause":"8.8","heading":"Suicide","page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-elite-wealth-105l126v08/document/22525#c-8-8"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"revival","label":"Revival period","section":"Renewal and rights","meaning":"How long after lapsing you can restart the policy.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"No policy loans are allowed under this plan.","display":"No policy loans are allowed.","note":null,"quote":"5.4Loans No policy loans are allowed under this plan.","sources":[{"clause":"5.3","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-elite-wealth-105l126v08/document/22525#c-5-3"}],"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":["Riders under this plan will be offered subject to the Regulator·s prior approval."],"display":"Riders are subject to Regulator's prior approval; no rider names are listed.","note":"No specific rider names are stated in the supplied wording.","quote":"Riders Riders under this plan will be offered subject to the Regulator·s prior approval.","sources":[{"clause":"4.3","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-elite-wealth-105l126v08/document/22525#c-4-3"}],"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":"quote-verified","value":"The wording prints the old Section 45 rule using a two-year incontestability period: after two years the policy cannot be called in question for an inaccurate or false statement unless the insurer shows materiality, fraudulent making, and the policyholder's knowledge.","display":"Old Section 45 wording: two-year incontestability period with fraud/materiality conditions.","note":"The document does not print the current three-year wording asked in the field; it prints a two-year Section 45 clause.","quote":"8.10Incontestabilitya. Section 45 of the Insurance Act, 1938: ... no policy of life insurance shall after the expiry of two years from the date on which it was effected ... be called in question by an insurer on the ground that a statement made in the proposal of insurance ... was inaccurate or false, unless the insurer shows that such statements were on material matter or suppressed facts which it was material to disclose and that it was fraudulently made by the Policyholder and that the Policyholder knew at the time of making it that the statement was false or that it suppressed facts which it was material to disclose.","sources":[{"clause":"8.9","heading":"Policy Alterations","page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-elite-wealth-105l126v08/document/22525#c-8-9"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 45","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"tax_note","label":"Tax note in the document","section":"Premium","meaning":"What the document says about tax benefits. Not stated when it only says taxes are charged on the premium. Tax law changes; confirm separately.","status":"not-stated","value":null,"display":null,"note":"The wording mentions taxes and that benefits may be taxable, but it does not state tax benefits.","quote":null,"sources":[],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":15},"display":"15 days; 30 days for Distance Marketing","note":"30 days applies if the policy is sourced through Distance Marketing.","quote":"1. Freelook Period (15 / 30 days Refund Policy): If you are not satisfied with the terms and conditions of this policy, please return the policy document to the Company for cancellation within 15 days from the date you received it, if your policy is not sourced through Distance marketing* 30 days from the date you received it, if your policy is sourced through Distance Marketing*","sources":[{"clause":"5.2","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-elite-wealth-105l126v08/document/22525#c-5-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Applicable only in case of Five Pay.","quote":"This section is applicable only in case of Five Pay. i. Only annual frequency is allowed for payment of premiums. ii. You are required to pay premiums on the due dates and for the amount mentioned in the policy certificate. iii. A grace period of 30 days from the premium due date is allowed for the payment of premiums.","sources":[{"clause":"8.3","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-elite-wealth-105l126v08/document/22525#c-8-3"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["annual frequency"],"display":"Only annual frequency for Five Pay.","note":"One Pay is payable once.","quote":"This section is applicable only in case of Five Pay. i. Only annual frequency is allowed for payment of premiums.","sources":[{"clause":"8.3","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-elite-wealth-105l126v08/document/22525#c-8-3"}],"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":["One Pay","Five Pay"],"display":"One Pay; Five Pay","note":"One Pay is single premium; Five Pay is limited premium for five policy years.","quote":"b. Five Pay means that premiums are payable for five policy years. c. One Pay means that premium is payable once.","sources":[{"clause":null,"heading":"9. Annexure","page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-elite-wealth-105l126v08/document/22525#c-9-annexure"}],"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":"5 years","note":null,"quote":"Currently the lock-in period is five years.","sources":[{"clause":"5.2","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-elite-wealth-105l126v08/document/22525#c-5-2"}],"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":["Multi Cap Growth Fund (+LJK)","Maximiser V (+LJK)","Opportunities Fund (+LJK)","Bluechip Fund (+LJK)","Multi Cap Balanced Fund (0RGHUDWH)","Income Fund (/RZ)","Money Market Fund (/RZ)","Dynamic P/E Fund (+LJK)"],"display":"Multi Cap Growth, Maximiser V, Opportunities, Bluechip and Dynamic P/E: +LJK; Multi Cap Balanced: 0RGHUDWH; Income and Money Market: /RZ.","note":"Risk words appear garbled in the supplied clause text: +LJK, 0RGHUDWH and /RZ.","quote":"Multi Cap Growth Fund: 7RJHQHUDWHVXSHULRU ORQJWHUP UHWXUQV IURP D GLYHUVLILHG SRUWIROLR RI HTXLW\\DQGHTXLW\\UHODWHGLQVWUXPHQWVRIODUJHPLG DQGVPDOOFDSFRPSDQLHV SFIN:8/,) /0&DS*UR | (TXLW\\ HTXLW\\UHODWHGVHFXULWLHV 'HEW0RQH\\PDUNHW &DVK |  |  | +LJK ... 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Multi Cap Balanced Fund: 7RDFKLHYHDEDODQFH EHWZHHQFDSLWDODSSUHFLDWLRQDQGVWDEOHUHWXUQVE\\ LQYHVWLQJ LQ D PL[ RI HTXLW\\ DQG HTXLW\\ UHODWHG LQVWUXPHQWVRIODUJHPLGDQGVPDOOFDSFRPSDQLHV DQGGHEWDQGGHEWUHODWHGLQVWUXPHQWV SFIN:8/,) /0&DS%DO | (TXLW\\ (TXLW\\5HODWHG6HFXULWLHV 'HEW0RQH\\0DUNHW &DVK |  |  | 0RGHUDWH ... Income Fund: 7RSURYLGHDFFXPXODWLRQRILQFRPH WKURXJK LQYHVWPHQW LQ YDULRXV IL[HG LQFRPH VHFXULWLHV 7KH IXQG VHHNV WR SURYLGH FDSLWDO DSSUHFLDWLRQZKLOHPDLQWDLQLQJDVXLWDEOHEDODQFH EHWZHHQUHWXUQVDIHW\\DQGOLTXLGLW\\ SFIN:8/,) /,QFRPH | 'HEW,QVWUXPHQWV0RQH\\PDUNHW &DVK |  |  | /RZ ... Money Market Fund:7RSURYLGHVXLWDEOHUHWXUQV WKURXJKORZULVNLQYHVWPHQWVLQGHEWDQGPRQH\\ PDUNHW LQVWUXPHQWV ZKLOH DWWHPSWLQJ WR SURWHFW WKHFDSLWDOGHSOR\\HGLQWKHIXQG SFIN:8/,) /0RQH\\0NW | 'HEW,QVWUXPHQWV 0RQH\\PDUNHW &DVK |  |  | /RZ ... Dynamic P/E Fund: 7RSURYLGHORQJWHUPFDSLWDODSSUHFLDWLRQWKURXJKG\\QDPLFDVVHW DOORFDWLRQEHWZHHQHTXLW\\DQGGHEW7KHDOORFDWLRQLQHTXLW\\DQG HTXLW\\UHODWHGVHFXULWLHVLVGHWHUPLQHGE\\UHIHUHQFHWRWKH3( PXOWLSOHRIDEDVNHWRIODUJHFDSVWRFNV WKHUHPDLQGHULVWREH LQYHVWHGLQGHEWLQVWUXPHQWVPRQH\\PDUNHWDQGFDVK SFIN:8/,) /'\\QPLF3( | WR WR WR ! | WR WR WR WR WR | +LJK","sources":[{"clause":"7.1","heading":"Investment objectives of the Funds and Portfolio Allocation","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-elite-wealth-105l126v08/document/22525#c-7-1"},{"clause":"8.1","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-elite-wealth-105l126v08/document/22525#c-8-1"}],"law":[]},{"key":"premium_allocation_charge","label":"Premium allocation charge","section":"Charges","meaning":"Part of each premium taken before investing.","status":"not-stated","value":null,"display":null,"note":"The premium allocation charge table is present in the supplied clauses but the percentages are not readable.","quote":null,"sources":[],"law":[]},{"key":"policy_admin_charge","label":"Policy administration charge","section":"Charges","meaning":"Monthly charge deducted from your fund.","status":"not-stated","value":null,"display":null,"note":"The policy administration charge table is present in the supplied clauses, but the monthly rupee amounts are not readable.","quote":null,"sources":[],"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":"For the discontinued policy fund, only fund management charge of 0.5% p.a. is deducted after transfer. 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Annexure","page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-elite-wealth-105l126v08/document/22525#c-9-annexure"}],"law":[]},{"key":"mortality_charge","label":"Mortality charge","section":"Charges","meaning":"Cost of life cover, deducted monthly by age.","status":"quote-verified","value":"Mortality charges are calculated on the Sum at Risk and deducted monthly by cancellation of units. Standard mortality charges per thousand life insurance cover are given in Annexure III.","display":"Calculated on Sum at Risk and deducted monthly by cancellation of units; rates in Annexure III.","note":"Part of the mortality-charge formula is garbled in the supplied clause text.","quote":"0RUWDOLW\\&KDUJHV | 0RUWDOLW\\&KDUJHVZLOOEHFDOFXODWHGRQWKH6XPDW5LVN 6XP DW 5LVN 0D[ ^6XP $VVXUHG UHGXFHG E\\ DSSOLFDEOH SDUWLDO ZLWKGUDZDOV )XQG9DOXH0LQLPXP'HDWK%HQHILW UHGXFHGE\\DSSOLFDEOH SDUWLDOZLWKGUDZDO `2)XQG9DOXH 7KLVZLOOEHGHGXFWHGRQPRQWKO\\EDVLVE\\FDQFHOODWLRQRIXQLWV 0RUWDOLW\\FKDUJHVDUHJLYHQLQ$QQH[XUH,,, ... 9.3 Annexure III – Mortality charges Standard Mortality charges per thousand life Insurance cover:","sources":[{"clause":"5.2","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-elite-wealth-105l126v08/document/22525#c-5-2"},{"clause":null,"heading":"9. Annexure","page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-elite-wealth-105l126v08/document/22525#c-9-annexure"}],"law":[]},{"key":"discontinuance_charge","label":"Discontinuance charge","section":"Charges","meaning":"Charge if you stop paying in the first five years.","status":"not-stated","value":null,"display":null,"note":"The supplied charge table for premium discontinuance is garbled, so the year-wise percentages and maximum rupee amounts are not readable.","quote":null,"sources":[],"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":"Switches are allowed from one fund to another at any time during the policy term, with no restriction on number and all switches free, but switches in the first five policy years require all due premiums to have been paid. Partial withdrawal is allowed after five policy years once every policy year; currently the minimum is Rs. 2,000 and maximum is 20% of Fund Value, with no charge.","display":"Switches: unlimited and free; no switches in first five policy years unless all due premiums paid. Partial withdrawals: after five policy years, once per policy year, Rs. 2,000 minimum and 20% of Fund Value maximum, no charge.","note":null,"quote":"Switches i. You have an option to switch part or all of the allocated Units from one Fund to another at anytime during the term of the policy. ... iii. There is no restriction on the number of switches that you can make and all the switches will be free. iv. You cannot make switches in the first five policy years unless you have paid all due premiums. ... Partial Withdrawal i. After five policy years, you have an option to make a partial withdrawal once every policy year. ii. Currently, the minimum amount that you can withdraw is Rs. 2,000/- and the maximum amount is 20% of the Fund Value as on the date of partial withdrawal. ... iv. There would be no charge for this withdrawal.","sources":[{"clause":"6.1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-elite-wealth-105l126v08/document/22525#c-6-1"},{"clause":"5.3","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-elite-wealth-105l126v08/document/22525#c-5-3"}],"law":[]}],"documents":[{"kind":"wording","label":"ICICI Pru Elite Wealth U87 Version 3 Valid from 01112011 to 24112011 - 105L126V03","pages":3,"fetched_at":"2026-10-20 01:27:47+00","source_url":"https://www.icicilife.com/content/dam/icicipru/download-centre/specimenpolicy/ICICI_Pru_Elite_Wealth_U87_Ver_3_01Nov2011_to_24Nov2011.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-elite-wealth-105l126v08/document/22523"},{"kind":"wording","label":"ICICI Pru Elite Wealth U87 Version 4 Valid from 25112011 to 21082011 - 105L126V04","pages":3,"fetched_at":"2026-10-20 01:27:49+00","source_url":"https://www.icicilife.com/content/dam/icicipru/download-centre/specimenpolicy/ICICI_Pru_Elite_Wealth_U87_Ver_4_25Nov2011_to_Till_Date.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-elite-wealth-105l126v08/document/22525"}],"versions":[{"uin":"105L126V03","version":null,"approved_on":null},{"uin":"105L126V05","version":null,"approved_on":null},{"uin":"105L126V04","version":null,"approved_on":null},{"uin":"105L126V06","version":null,"approved_on":null},{"uin":"105L126V07","version":null,"approved_on":null},{"uin":"105L126V08","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"ICICI Life Insurance official website","url":"https://www.icicilife.com","note":"Website as listed by IRDAI. Not checked: the site blocks automated requests (bot wall) for our crawler on 2026-10-19; we do not bypass walls."},{"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":"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":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"ICICI Life Elite Wealth (UIN 105L126V08), IndiaInsurances, https://indiainsurances.com/policy/icici-life-insurance/icici-life-elite-wealth-105l126v08"}