{"uin":"105L175V10","name":"ICICI Life1 Wealth","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life1-wealth-105l175v10","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 Life 1Wealth is a non-participating linked individual savings life insurance plan with single premium and a five year lock-in period. The death benefit is the highest of sum assured, fund value and minimum death benefit, and the maturity benefit is fund value including Wealth Booster and top-up fund value if any.","analysis":{"state":"machine","analysed_at":"2026-10-20 04:38:53.239201+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"The sales brochure states a policy term of 10 years, but also says the maturity horizon can be selected as either 5 years or 10 years.","display":"10 years; brochure also says 5 years or 10 years as horizon","note":"From the sales brochure; the policy wording defines policy term as the period specified in the Policy Schedule.","quote":"Policy Term | 10 years ... you can select either 5 years or 10 years as your horizon","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life1-wealth-105l175v10/document/21442#c-s1"}],"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 policy links death-claim NAV to the date of intimation and says intimation for claim 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":["Duly filled and signed Claimant Statement Form","Copy of Death Certificate of the Life Assured, issued by government authority","Claimant address proof","Claimant photo identity proof","Recent photograph of the claimant","Pan card / Form 97 of the claimant","Duly filled and signed Payout mandate form with bank account details of the claimant","Copy of cancelled cheque / bank statement / bank passbook with printed account number and name of the claimant","For unnatural death: medico-legal cause of death certificate, FIR, inquest/panchnama, final police investigation report, post mortem report, viscera/chemical examination report and other listed records","For natural or medical death: medical cause of death certificate, past medical records and treatment papers, hospitalization records and doctor/attendant certificates","For settlement/maturity claim: cancelled cheque, KYC of proposer and settlement option form if opted"],"display":"Claimant form, death certificate, KYC/address/photo/PAN, payout mandate and bank proof; extra police/medical records by cause of death; maturity claim needs cancelled cheque, KYC and settlement option form if opted","note":null,"quote":"For processing a claim under this Policy, We will require the following documents (as may be relevant): • Duly filled and signed Claimant Statement Form • Copy of Death Certificate of the Life Assured, issued by government authority • Claimant address proof* • Claimant photo identity proof* • Recent photograph of the claimant • Pan card / Form 97 of the claimant • Duly filled and signed Payout mandate form with bank account details of the claimant • Copy of cancelled cheque / bank statement / bank passbook with printed account number and name of the claimant ... DOCUMENTS REQUIRED BASED ON CAUSE OF DEATH A. In case of death due to Unnatural causes such as Accidents (Road / Rail / Air etc), Murder, Suicide, etc. • Medico-legal cause of death certificate • First Information Report (FIR) from the police authority • Inquest/ Panchnama Report • Final police investigation report • Post Mortem Report (PMR) issued by the hospital • Viscera / Chemical examination report ... B. In Case of death due to Natural or medical causes (death at home, hospital) • Medico-legal / Medical cause of death certificate • Past medical records and treatment papers • All hospitalization records of the Life Assured such as: i. Admission form ii. Indoor Case Papers (ICPs) iii. Discharge summary iv. Diagnostic test reports such as USG, Pathology / Lab reports etc., • Duly filled in Treating Doctor Certificate. Duly filled in Medical/ Hospital Attendant Certificate ... For processing a Settlement/maturity claim under this Policy, We will require the following documents a) Cancelled Cheque of the Claimant for processing electronic payment b) KYC of Proposer of the policy c) Settlement option form, if opted.","sources":[{"clause":"10","heading":null,"page":6,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life1-wealth-105l175v10/document/22325#c-10-2"}],"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":["Suicide within 12 months from the date of commencement: only the Fund Value as available on the date of intimation of death is payable","Suicide within 12 months from the effective date of any top-up: corresponding top-up sum assured is not considered in Death Benefit","There is no other exclusion applicable with respect to death other than suicide clause"],"display":"Death exclusion is suicide within 12 months; only Fund Value is payable and top-up sum assured is excluded for suicide within 12 months of the top-up","note":null,"quote":"If the Life Assured, whether sane or insane, commits suicide for any reason whatsoever within 12 months from the date of commencement of the policy, the policy will terminate and only the Fund Value, as available on the date of intimation of death, will be payable to the Claimant. ... In case of death due to suicide within 12 months from the effective date of any top-up, the corresponding top-up sum assured shall not be considered in the calculation of Death Benefit. ... There is no other exclusion applicable with respect to death other than suicide clause.","sources":[{"clause":"12","heading":"Suicide If the Life Assured, whether sane or insane, commits suicide for any","page":6,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life1-wealth-105l175v10/document/22325#c-12-2"}],"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":"quote-verified","value":"For assistance, the policyholder may use the 'write to us' section, advisor, customer service, branches or customer service desk. If not resolved or not satisfied, the route is Grievance Redressal Officer, then the internal grievance redressal committee, and then IRDAI's Policyholders' Protection and Grievance Redressal Department.","display":"Customer service first; then GRO; then internal grievance redressal committee; then IRDAI grievance cell","note":null,"quote":"For any clarification or assistance, You may submit your query or request through 'write to us' section on our mobile app or website. You may contact Our advisor or call Our customer service representative ... i) Grievance Redressal Officer: If You do not receive any resolution from Us or if You are not satisfied with Our resolution, You may submit your concern to the designated grievance redressal officer (GRO) ... ii) Grievance Redressal Committee: If You do not receive any resolution or if You are not satisfied with the resolution provided by the GRO, You may escalate the matter to Our internal grievance redressal committee ... iii) Policyholders' Protection and Grievance Redressal Department: If you are not satisfied with the response or do not receive a response from us within two weeks, you may approach Policyholders' Protection and Grievance Redressal Department","sources":[{"clause":"1","heading":"Customer service","page":6,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life1-wealth-105l175v10/document/22325#c-1-5"},{"clause":"1(i)","heading":"Grievance Redressal Officer","page":6,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life1-wealth-105l175v10/document/22325#c-1-i-2"},{"clause":"1(ii)","heading":"Grievance Redressal Committee","page":6,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life1-wealth-105l175v10/document/22325#c-1-ii"},{"clause":"1(iii)","heading":"Policyholders' Protection and Grievance Redressal Department","page":6,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life1-wealth-105l175v10/document/22325#c-1-iii"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_assured","label":"Sum assured","section":"Cover","meaning":"The minimum and maximum life cover, or the rule that sets it (for example 10 times the annual premium).","status":"quote-verified","value":"The sales brochure sets Sum Assured by age at entry: for age <= 40 years, minimum 1.25 times Single Premium and maximum 10 times Single Premium; for 41-49 years, minimum 1.25 times and maximum 5 times; for >= 50 years, minimum 1.10 times and maximum 1.25 times. It says sum assured multiples in between the minimum and maximum limits are not available.","display":"<=40 years: 1.25x to 10x Single Premium; 41-49 years: 1.25x to 5x; >=50 years: 1.10x to 1.25x","note":"From the sales brochure.","quote":"Sum Assured | Age at entry last birthday | Minimum Sum Assured | Maximum Sum Assured\n<= 40 years | 1.25 times Single Premium | 10 times Single Premium\n41-49 years | 1.25 times Single Premium | 5 times Single Premium\n>= 50 years | 1.10 times Single Premium | 1.25 times Single Premium\nSum Assured multiples in between the minimum and maximum limits are not available","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life1-wealth-105l175v10/document/21442#c-s1"}],"law":[]},{"key":"death_benefit","label":"Death benefit","section":"Cover","meaning":"What your family gets if you die during the term, and how it is calculated.","status":"quote-verified","value":"On death during the policy term, provided monies are not in the Discontinued Policy Fund, the death benefit is the highest of Sum Assured including Top-up Sum Assured if any, Fund Value as available on date of intimation of death or date of foreclosure or date of maturity whichever is earlier, and Minimum Death Benefit. If monies are in the Discontinued Policy Fund, the death benefit is the Discontinued Policy Fund Value; minimum death benefit is 105% of total premiums paid up to date of death.","display":"Highest of Sum Assured, Fund Value and 105% of premiums paid; if in Discontinued Policy Fund, Discontinued Policy Fund Value","note":null,"quote":"Minimum Death Benefit will be 105% of the Total Premiums Paid up to date of death. ... On death of the Life Assured during the Policy Term, provided monies are not in the Discontinued Policy Fund, Death Benefit will be:\nDeath Benefit = A or B or C, whichever is highest Where, A= Sum Assured, including Top-up Sum Assured if any, B = Fund Value as available on date of intimation of death or Date of Foreclosure or Date of Maturity whichever is earlier, C = Minimum Death Benefit. iii. On death of the Life Assured, before date of maturity, while monies are in the Discontinued Policy Fund, Death Benefit will be the Discontinued Policy Fund Value.","sources":[{"clause":"1","heading":"Age","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life1-wealth-105l175v10/document/22325#c-1"},{"clause":"1(i)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life1-wealth-105l175v10/document/22325#c-1-i"}],"law":[]},{"key":"maturity_benefit","label":"Maturity benefit","section":"Cover","meaning":"What you get if you survive to the end of the term.","status":"quote-verified","value":"On survival to the date of maturity, the policyholder gets only the Fund Value including Wealth Booster and Top-up Fund Value if any, provided the policy has not already been terminated. Wealth Booster is 2% of Single Premium including top-up premiums less partial withdrawals if any, subject to the stated conditions.","display":"Fund Value including Wealth Booster and Top-up Fund Value if any; Wealth Booster 2% of Single Premium including top-ups less partial withdrawals","note":null,"quote":"On survival of the Life Assured till the Date of Maturity, We will pay the only the Fund Value including Wealth Booster and Top-up Fund Value if any, to the policyholder provided the policy has not already been terminated. ... Wealth Booster will be 2% of Single Premium including Top up Premiums less Partial Withdrawals if any. In case Partial Withdrawal exceeds the Single Premium, Wealth Booster will not be applicable.","sources":[{"clause":"2(i)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life1-wealth-105l175v10/document/22325#c-2-i"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"quote-verified","value":"Single premium is payable only once in advance before the date of commencement of the policy.","display":"Pay once in advance before commencement","note":null,"quote":"Premium (inclusive of taxes) is payable only once in advance before the date of commencement of the policy","sources":[{"clause":"3(i)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life1-wealth-105l175v10/document/22325#c-3-i"}],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"quote-verified","value":"The sales brochure states minimum age at maturity as 25 years and maximum age at maturity as 70 years, age last birthday.","display":"Maximum 70 years; minimum 25 years","note":"From the sales brochure.","quote":"Age at maturity (age last birthday) | Minimum age at maturity: 25 years Maximum age at maturity: 70 years","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life1-wealth-105l175v10/document/21442#c-s1"}],"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 12 months from the date of commencement, the policy terminates and only the Fund Value available on the date of intimation of death is payable. For suicide within 12 months from the effective date of any top-up, the corresponding top-up sum assured is not considered in the death benefit, and charges other than fund management charges and guarantee charges recovered after death are added back.","display":"Within 12 months, only Fund Value is payable; top-up sum assured is ignored for suicide within 12 months of top-up","note":null,"quote":"If the Life Assured, whether sane or insane, commits suicide for any reason whatsoever within 12 months from the date of commencement of the policy, the policy will terminate and only the Fund Value, as available on the date of intimation of death, will be payable to the Claimant. In case of death due to suicide within 12 months from the effective date of any top-up, the corresponding top-up sum assured shall not be considered in the calculation of Death Benefit. Any charges other than Fund Management Charges and guarantee charges, if any, recovered subsequent to the date of death shall be added back to the fund value as available on the date of intimation of death.","sources":[{"clause":"12","heading":"Suicide If the Life Assured, whether sane or insane, commits suicide for any","page":6,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life1-wealth-105l175v10/document/22325#c-12-2"}],"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":"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-applicable","value":null,"display":null,"note":"Single premium policy; the premium is payable only once, so there are no later premiums to stop paying after a few years.","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-applicable","value":null,"display":null,"note":"Single premium policy; revival after non-payment of renewal premiums does not apply.","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":"Loans are not provided under this policy.","display":"No policy loans","note":null,"quote":"7. Loans We will not provide loans under this policy.","sources":[{"clause":"3","heading":"Fund Management Charge (FMC)","page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life1-wealth-105l175v10/document/22325#c-3-3"}],"law":[]},{"key":"riders_available","label":"Riders available","section":"Cover","meaning":"Optional add-ons such as accidental death, critical illness or waiver of premium.","status":"not-stated","value":null,"display":null,"note":"The policy mentions rider cover, if any, but does not name any rider.","quote":null,"sources":[],"law":[]},{"key":"section45","label":"Claims after 3 years (Section 45)","section":"Claims","meaning":"After 3 years a life policy cannot be questioned on any ground, and only for fraud with proof before that.","status":"quote-verified","value":"The policy cannot be called in question on any ground after expiry of 3 years from the date of issuance, commencement of risk or rider, whichever is later. Within 3 years it may be called in question on the ground of fraud, or for material misstatement or suppression; for non-fraud misstatement repudiation, premium collected till repudiation is paid within 90 days.","display":"After 3 yrs, no questioning on any ground; within 3 years for fraud or material misstatement, with stated safeguards","note":null,"quote":"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 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 or other document basis which policy was issued or revived or rider issued. ... In case repudiation is on ground of misstatement and not on fraud, the premium collected on policy till the date of repudiation shall be paid to the insured or legal representative or nominee or assignees of insured, within a period of 90 days from the date of repudiation.","sources":[{"clause":null,"heading":"155255 (or) 1800 4254 732","page":6,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life1-wealth-105l175v10/document/22325#c-155255-or-1800-4254-732"},{"clause":"3","heading":"Fraud","page":9,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life1-wealth-105l175v10/document/22325#c-3-4"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 45","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"tax_note","label":"Tax note in the document","section":"Premium","meaning":"What the document says about tax benefits. Not stated when it only says taxes are charged on the premium. Tax law changes; confirm separately.","status":"quote-verified","value":"Tax benefits may be applicable on the Death Benefit and Maturity Benefit as per the prevailing tax laws.","display":"Tax benefits may be applicable on Death Benefit and Maturity Benefit as per prevailing tax laws","note":null,"quote":"Tax benefits may be applicable, on Death Benefit, as per the prevailing tax laws ... Tax benefits may be applicable, on the Maturity Benefit, as per the prevailing tax laws.","sources":[{"clause":"1(i)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life1-wealth-105l175v10/document/22325#c-1-i"},{"clause":"2(i)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life1-wealth-105l175v10/document/22325#c-2-i"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days from receipt of the Policy Document","note":null,"quote":"the Policy Document needs to be returned to the Company with reasons for cancellation within 30 days from the date of receipt of the Policy Document","sources":[{"clause":"1","heading":"Freelook Period(30 days refund policy)","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life1-wealth-105l175v10/document/22325#c-1-3"}],"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":"not-applicable","value":null,"display":null,"note":"Single premium policy; the premium is payable only once before commencement, so a grace period after a missed renewal due date does not apply.","quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"The sales brochure states age at entry, age last birthday, as minimum 15 years and maximum 60 years; for minor lives, life cover commences from the risk commencement date.","display":"Minimum 15 years; maximum 60 years","note":"From the sales brochure.","quote":"Age at entry (age last birthday) | Minimum: 15 years Maximum: 60 years For minor lives life cover commences from the risk commencement date.","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life1-wealth-105l175v10/document/21442#c-s1"}],"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":["Pay once in advance"],"display":"Pay once in advance","note":null,"quote":"Premium (inclusive of taxes) is payable only once in advance before the date of commencement of the policy","sources":[{"clause":"3(i)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life1-wealth-105l175v10/document/22325#c-3-i"}],"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":["Single Pay"],"display":"Single Pay","note":null,"quote":"Single Pay means premium needs to be paid only once at the inception of the Policy.","sources":[{"clause":"1","heading":"Age","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life1-wealth-105l175v10/document/22325#c-1"}],"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":"five consecutive years from commencement","note":null,"quote":"Lock-in-Period means the period of five consecutive years from the date of commencement of the Policy, during which period the proceeds of the policy cannot be paid by Us to You or the life assured, except in the case of death of the Life Assured or upon the happening of any other contingency covered under the policy.","sources":[{"clause":"1","heading":"Age","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life1-wealth-105l175v10/document/22325#c-1"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"premium_allocation_charge","label":"Premium allocation charge","section":"Charges","meaning":"Part of each premium taken before investing.","status":"quote-verified","value":"No premium allocation charge.","display":"No charges","note":null,"quote":"Premium Allocation Charge No charges","sources":[{"clause":"1","heading":"Premium Allocation Charge No charges","page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life1-wealth-105l175v10/document/22325#c-1-4"}],"law":[]},{"key":"policy_admin_charge","label":"Policy administration charge","section":"Charges","meaning":"Monthly charge deducted from your fund.","status":"quote-verified","value":"No policy administration charge.","display":"No charges","note":null,"quote":"Policy Administration Charge No charges","sources":[{"clause":"2","heading":"Policy Administration Charge No charges","page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life1-wealth-105l175v10/document/22325#c-2-3"}],"law":[]},{"key":"fund_management_charge","label":"Fund management charge","section":"Charges","meaning":"Yearly charge on fund value; capped at 1.35% by IRDAI.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"mortality_charge","label":"Mortality charge","section":"Charges","meaning":"Cost of life cover, deducted monthly by age.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":null,"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 between funds are unlimited and free, with minimum Rs. 2,000 per switch, and are not allowed while monies are in the Discontinued Policy Fund. Partial withdrawals are allowed after completion of the lock-in period if monies are not in the Discontinued Policy Fund; withdrawals are unlimited subject to total withdrawals in a policy year not exceeding 20% of Fund Value at the beginning of that policy year, with no charge and minimum Rs. 2,000.","display":"Unlimited free switches, minimum Rs. 2,000; partial withdrawals after lock-in, unlimited up to 20% of Fund Value per policy year, no charge, minimum Rs. 2,000","note":null,"quote":"There is no restriction on the number of switches you can make and all switches will be free.\niv. The minimum amount per switch is ` 2,000/-. v. Switches will not be allowed if monies are in the Discontinued Policy Fund. ... Partial withdrawals will be allowed after completion of Lock-in period provided the monies are not in Discontinued Policy Fund. ii. You will be entitled to make unlimited number of partial withdrawals as long as the total amount of partial withdrawals in a policy year does not exceed 20% of the Fund Value in a policy year. The Fund Value will be as at the beginning of the policy year. There is no charge for partial withdrawal.\niii. The minimum partial withdrawal amount is ` 2,000. iv. In the case of minor lives, partial withdrawals shall not be allowed until the minor life insured attains majority i.e. on or after attainment of age 18.","sources":[{"clause":"2(i)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life1-wealth-105l175v10/document/22325#c-2-i-2"},{"clause":"4(i)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life1-wealth-105l175v10/document/22325#c-4-i"}],"law":[]}],"documents":[{"kind":"wording","label":"ICICI Life 1Wealth 105L175V10 05102026 to till date","pages":9,"fetched_at":"2026-10-20 01:21:11+00","source_url":"https://www.icicilife.com/content/dam/icicipru/download-centre/specimenpolicy/2026/ICICI_Life_1Wealth_105L175V10_05102026_to_till_date.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life1-wealth-105l175v10/document/22325"},{"kind":"wording","label":"ICICI Pru1 Wealth 105L175V10 15062026 to 09082026","pages":9,"fetched_at":"2026-10-20 01:21:15+00","source_url":"https://www.icicilife.com/content/dam/icicipru/download-centre/specimenpolicy/2026/ICICI_Pru1_Wealth_105L175V10_15062026_to_till_date.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life1-wealth-105l175v10/document/22326"},{"kind":"wording","label":"ICICI Pru1 Wealth 105L175V10 10082026 to 04102026","pages":9,"fetched_at":"2026-10-20 01:21:13+00","source_url":"https://www.icicilife.com/content/dam/icicipru/download-centre/specimenpolicy/2026/ICICI_Pru1_Wealth_105L175V10_10082026_to_till_date.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life1-wealth-105l175v10/document/22327"},{"kind":"wording","label":"ICICI Pru1 Wealth 105L175V10 01052026 to 14062026","pages":9,"fetched_at":"2026-10-20 01:21:17+00","source_url":"https://www.icicilife.com/content/dam/icicipru/download-centre/specimenpolicy/2026/ICICI_Pru1_Wealth_105L175V10_01052026_to_till_date.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life1-wealth-105l175v10/document/22328"},{"kind":"brochure","label":"ICICI Life1 Wealth","pages":20,"fetched_at":"2026-10-20 00:43:25+00","source_url":"https://www.icicilife.com/content/dam/icicipru/brochures/ICICI_Pru1_Wealth_Brochure.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life1-wealth-105l175v10/document/21442"}],"versions":[],"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 Life1 Wealth (UIN 105L175V10), IndiaInsurances, https://indiainsurances.com/policy/icici-life-insurance/icici-life1-wealth-105l175v10"}