{"uin":"105L200V02","name":"ICICI Life Group Unit Linked Superannuation Plus","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-unit-linked-superannuation-plus-105l200v02","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 Group Unit Linked Superannuation Plus is a non-participating linked pension savings group annually renewable product. The policy is one-year renewable, allows surrender at any time with one months’ notice, and has no loans or riders.","analysis":{"state":"machine","analysed_at":"2026-10-20 04:44:08.351242+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":["Option A","Option B","Option C","Option D","Option E","Option F","Option G","Option H"],"display":"Options A, B, C, D, E, F, G and H","note":"Options E, F, G and H are available with Extra Allocation only for Defined Benefit schemes.","quote":"Surrender Value: Option A, B, C and D: The Policy Value plus Loyalty additions on pro-rata basis, if applicable Option E, F, G and H: The Policy Value plus Loyalty additions on pro-rata basis, if applicable, less rupee value of Outstanding Extra Allocation","sources":[{"clause":"4","heading":"Surrender","page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-unit-linked-superannuation-plus-105l200v02/document/21662#c-4-2"}],"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":"This is a one-year renewable policy.","display":"One-year renewable","note":null,"quote":"This is a one-year renewable policy and the Master Policyholder may renew the Policy every year, on Policy Renewal Date.","sources":[{"clause":"6(i)","heading":"This","page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-unit-linked-superannuation-plus-105l200v02/document/21662#c-6-i"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"For any claim due to death, retirement or exit other than retirement or death where the claim amount is more than 20 percent of the specified policy value measure, a notice period of one month applies.","display":"One month notice period for claims over 20 percent of specified policy value measure","note":"The clause states a notice period, not a separate claim intimation deadline for all claims.","quote":"For any claim, due to death, retirement or exit due to any reason\n(other than retirement or death), where the claim amount is in excess of 20 percent of the sum of the Policy Value at the start of that Policy Year and contributions in that Policy Year, a notice period of one month applies.","sources":[{"clause":"5","heading":"For any claim, due to death, retirement or exit due to any reason","page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-unit-linked-superannuation-plus-105l200v02/document/21662#c-5"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"not-stated","value":null,"display":null,"note":"The policy says claims are settled in line with Scheme Rules, but it does not state a decision or payment timeline.","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":["The Benefits will not be payable if the data with respect to the Member is not provided to us.","No loans are available under this Policy.","No riders are allowed under this Policy","No partial withdrawals are allowed in the product."],"display":"Benefits not payable if member data is not provided; no loans, no riders, and no partial withdrawals","note":null,"quote":"The Benefits will not be payable if the data with respect to the Member is not provided to us. ... No loans are available under this Policy. ... Riders No riders are allowed under this Policy ... No partial withdrawals are allowed in the product.","sources":[{"clause":null,"heading":"Company. The Master Policyholder will send us the updated","page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-unit-linked-superannuation-plus-105l200v02/document/21662#c-company-the-master-policyholder-will-send-us-the"},{"clause":"2","heading":"Loans","page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-unit-linked-superannuation-plus-105l200v02/document/21662#c-2"},{"clause":"3","heading":"Riders No riders are allowed under this Policy","page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-unit-linked-superannuation-plus-105l200v02/document/21662#c-3-2"},{"clause":"4","heading":"Surrender","page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-unit-linked-superannuation-plus-105l200v02/document/21662#c-4-2"}],"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":"First submit a query or request to customer service. If unresolved or dissatisfied, submit the concern to the designated grievance redressal officer, then escalate to the internal grievance redressal committee.","display":"Customer service, then GRO at gro@iciciprulife.com, then internal grievance redressal committee","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. ... 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) at the ‘grievance redressal’ section on our website, or write to us at at gro@iciciprulife.com . ... 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","sources":[{"clause":"1","heading":"Customer service","page":6,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-unit-linked-superannuation-plus-105l200v02/document/21662#c-1-6"}],"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":"Benefits are as per the Rules of the Scheme and the Company’s liability to the Policyholder is limited to the Fund Value of the Policy.","display":"Benefits as per Scheme Rules; liability limited to Fund Value of the Policy","note":"The policy does not state a separate fixed sum assured.","quote":"The Benefits payments will be as per the Rules of the Scheme. The Company’s liability to the Policyholder will at all times be limited to the Fund Value of the Policy.","sources":[{"clause":"1.1(i)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-unit-linked-superannuation-plus-105l200v02/document/21662#c-1-1-i"}],"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":"For a DC scheme, on death the Company pays the Member Account Value to the Nominee. For a DB scheme, on death the Company pays the Benefits mentioned in the Rules of the Scheme to the Nominee.","display":"DC: Member Account Value to Nominee; DB: Benefits as per Scheme Rules to Nominee","note":"All claims are settled in line with the Scheme Rules and the company’s liability is limited to funds available in the Policy.","quote":"In the event of death of the Member, upon intimation of the same with the Company, the Company shall pay Member Account Value to the Nominee. ... In case of death, upon intimation of the same with the Company, the Company shall pay the Benefits as mentioned in the Rules of the Scheme to the Nominee.","sources":[{"clause":"1.1(i)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-unit-linked-superannuation-plus-105l200v02/document/21662#c-1-1-i"},{"clause":"2.1(i)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-unit-linked-superannuation-plus-105l200v02/document/21662#c-2-1-i"}],"law":[]},{"key":"maturity_benefit","label":"Maturity benefit","section":"Cover","meaning":"What you get if you survive to the end of the term.","status":"not-stated","value":null,"display":null,"note":"The policy states benefits on retirement, death or exit, but does not state a separate survival or maturity benefit at the end of the one-year term.","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":"Contributions can be made in lump sum, in multiple instalments in any Policy Year, or on dates mutually agreed between the Master Policyholder and the Company based on the Rules of the Scheme.","display":"Lump sum, multiple instalments in any Policy Year, or mutually agreed dates","note":null,"quote":"The Contributions to this Policy can be made either in lump sum, or in multiple instalments in any Policy Year. Alternatively, Contributions can be on dates mutually agreed upon between the Master Policyholder and the Company based on the Rules of the Scheme.","sources":[{"clause":"4(i)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-unit-linked-superannuation-plus-105l200v02/document/21662#c-4-i"}],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"quote-verified","value":"Maximum maturity age is 86 years, age last birthday.","display":"86 (age last birthday)","note":"From the sales brochure.","quote":"Minimum/Maximum Maturity Age | 20/86 (age last birthday)","sources":[{"clause":null,"heading":"Details","page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-unit-linked-superannuation-plus-105l200v02/document/21585#c-details"}],"law":[]},{"key":"suicide_clause","label":"Suicide clause","section":"Exclusions","meaning":"What is paid if death is by suicide within the first 12 months.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 21","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 35","url":"https://indiainsurances.com/law/irdai-life-products-2024"}]},{"key":"surrender","label":"Surrender value","section":"Renewal and rights","meaning":"What you get if you stop the policy early, and from when.","status":"quote-verified","value":"The policy may be surrendered at any time by giving one months’ notice, which the Company may waive. Option A, B, C and D pay Policy Value plus pro-rata Loyalty additions if applicable; Option E, F, G and H pay Policy Value plus pro-rata Loyalty additions if applicable, less rupee value of Outstanding Extra Allocation.","display":"Surrender any time with one months’ notice; A-D: Policy Value plus pro-rata Loyalty additions; E-H: less Outstanding Extra Allocation","note":"On surrender, all rights, benefits and interests under the Policy are extinguished.","quote":"The policy may be surrendered at any time, by giving one months’ notice. Such notice period can be waived by the Company only if specifically communicated. ... Surrender Value: Option A, B, C and D: The Policy Value plus Loyalty additions on pro-rata basis, if applicable Option E, F, G and H: The Policy Value plus Loyalty additions on pro-rata basis, if applicable, less rupee value of Outstanding Extra Allocation","sources":[{"clause":"4","heading":"Surrender","page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-unit-linked-superannuation-plus-105l200v02/document/21662#c-4-2"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.1 to 26.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.4 and 26.5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 27","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.16 and 1.17","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(1) to (3)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(4) and (5)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(6) to (9)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(B)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vi)(c)(V)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"paid_up","label":"Paid-up value","section":"Renewal and rights","meaning":"What cover continues if you stop paying premiums after a few years.","status":"quote-verified","value":"The Master Policyholder may stop future Contributions or Premiums and the policy is not treated as discontinued. The policy remains in force if there is sufficient balance in the policy fund towards applicable charges.","display":"May stop future premiums; policy not discontinued if fund balance covers charges","note":null,"quote":"The Master Policyholder may not pay future Contributions or Premiums under the policy and the policy shall not be treated as discontinued. Policy shall be inforce provided there is sufficient balance in the policy fund towards applicable charges.","sources":[{"clause":"6(i)","heading":"This","page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-unit-linked-superannuation-plus-105l200v02/document/21662#c-6-i"}],"law":[]},{"key":"revival","label":"Revival period","section":"Renewal and rights","meaning":"How long after lapsing you can restart the policy.","status":"quote-verified","value":"The policyholder can resume contributions with notice to the Company at any time; the terms and conditions remain unchanged.","display":"Resume contributions at any time with notice","note":"The policy does not state a lapse-and-revival period because non-payment of future contributions is not treated as discontinuance if the fund has enough balance for charges.","quote":"However, the Policyholder will be entitled to resume the contributions with notice to the Company at any time. The terms and conditions shall remain unchanged.","sources":[{"clause":"6(i)","heading":"This","page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-unit-linked-superannuation-plus-105l200v02/document/21662#c-6-i"}],"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 loans are available under this Policy.","display":"No loans","note":null,"quote":"No loans are available under this Policy.","sources":[{"clause":"2","heading":"Loans","page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-unit-linked-superannuation-plus-105l200v02/document/21662#c-2"}],"law":[]},{"key":"riders_available","label":"Riders available","section":"Cover","meaning":"Optional add-ons such as accidental death, critical illness or waiver of premium.","status":"not-stated","value":null,"display":null,"note":null,"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 45","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"tax_note","label":"Tax note in the document","section":"Premium","meaning":"What the document says about tax benefits. Not stated when it only says taxes are charged on the premium. Tax law changes; confirm separately.","status":"quote-verified","value":"The sales brochure says employers’ contribution to an approved superannuation fund may be claimed as business expenditure, employees’ contribution may be eligible for deduction subject to limits, retirement commutation and death amounts may be exempt, employer contribution above Rs 7,50,000 is treated as perquisite, and pension or annuity is taxed as salary income.","display":"Tax benefits subject to prevailing tax laws; employer contribution above Rs 7,50,000 treated as perquisite; pension/annuity taxed as salary income","note":"From the sales brochure. The brochure also says tax benefits are subject to conditions in prevailing tax laws and advises consulting a tax advisor.","quote":"Employers contribution to an approved superannuation fund is allowed to claim as business expenditure as per the prevailing tax laws. ... Employees contribution towards an approved superannuation fund is eligible for deduction under Section 123 (read with Schedule XV, Sr. No. 1, 2 & 4), subject to limits set out in the prevailing tax laws. ... Employer's contribution in excess of Rs 7,50,000 is treated as a perquisite in the hands of the employee as per the prevailing tax laws. ... Pension / Annuity will be treated as salary income and taxed accordingly.","sources":[{"clause":null,"heading":"Superannuation Schemes","page":12,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-unit-linked-superannuation-plus-105l200v02/document/21585#c-superannuation-schemes"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":null,"quote":"On receipt of the Policy Document, whether received electronically\nor otherwise, You have an option to review the policy terms and conditions. ... Company with reasons for cancellation of the policy within 30 days\nfrom the date of receipt of the Policy Document.","sources":[{"clause":"1","heading":"Free look period On receipt of the Policy Document, whether received electronically","page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-unit-linked-superannuation-plus-105l200v02/document/21662#c-1-3"},{"clause":null,"heading":"Company with reasons for cancellation of the policy within 30 days","page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-unit-linked-superannuation-plus-105l200v02/document/21662#c-company-with-reasons-for-cancellation-of-the-pol"}],"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-stated","value":null,"display":null,"note":"The policy describes flexible contributions and automatic renewal if the fund has enough balance for charges, but does not state a grace period after a missed due date.","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":"A Member must be at least 20 years of Age, last birthday, and must not be older than 85 years of Age, last birthday.","display":"20 to 85 years, age last birthday","note":null,"quote":"A Member must be at least 20 years of Age, last birthday and must not be older than 85 years of Age, last birthday.","sources":[{"clause":"3(i)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-unit-linked-superannuation-plus-105l200v02/document/21662#c-3-i"}],"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":["lump sum","multiple instalments in any Policy Year","dates mutually agreed upon between the Master Policyholder and the Company based on the Rules of the Scheme"],"display":"Lump sum, multiple instalments in any Policy Year, or mutually agreed dates","note":null,"quote":"The Contributions to this Policy can be made either in lump sum, or in multiple instalments in any Policy Year. Alternatively, Contributions can be on dates mutually agreed upon between the Master Policyholder and the Company based on the Rules of the Scheme.","sources":[{"clause":"4(i)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-unit-linked-superannuation-plus-105l200v02/document/21662#c-4-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":["Initial Contribution for past service of Employee","Contribution for past service","Ordinary Annual Contribution","Contributions through transfer of the accumulated fund from another Superannuation Scheme"],"display":"Initial Contribution, past service contribution, Ordinary Annual Contribution, and transfer from another Superannuation Scheme","note":"This group superannuation policy uses contributions rather than standard single, regular or limited premium labels.","quote":"The Contributions can comprise the following: a. Initial Contribution for past service of Employee b. Contribution for past service c. Ordinary Annual Contribution d. Contributions through transfer of the accumulated fund from another Superannuation Scheme.","sources":[{"clause":"4(i)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-unit-linked-superannuation-plus-105l200v02/document/21662#c-4-i"}],"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":0},"display":"Policy may be surrendered at any time; no partial withdrawals are allowed","note":"The policy states surrender is available at any time, but partial withdrawals are not allowed.","quote":"The policy may be surrendered at any time, by giving one months’ notice. ... No partial withdrawals are allowed in the product.","sources":[{"clause":"4","heading":"Surrender","page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-unit-linked-superannuation-plus-105l200v02/document/21662#c-4-2"}],"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":["Group SA Short Term Debt Fund (Capital Preservation)","Group SA Debt Fund (Low)","Group SA Balanced Fund (Moderate)","Group SA Growth Fund (High)","Group SA Balanced Plus Fund (Moderate)","Group SA Sovereign Fund (Low)","Group SA Corporate Bond Fund (Low)","Group SA Equity Fund (High)"],"display":"Eight funds: Short Term Debt, Debt, Balanced, Growth, Balanced Plus, Sovereign, Corporate Bond, Equity","note":"Fund-risk table quoted from the sales brochure.","quote":"Group SA Short Term Debt Fund | Debt with term to maturity ≤ 5 years, Money market & Cash | 60 | 100 | Capital Preservation\nDebt with term to maturity > 5 years | 0 | 40\nGroup SA Debt Fund | Debt, Money market & Cash | 100 | 100 | Low\nGroup SA Balanced Fund | Equity & equity related securities | 0 | 20 | Moderate\nDebt, Money Market & Cash | 80 | 100\nGroup SA Growth Fund | Equity & equity related securities | 0 | 60 | High\nDebt, Money Market & Cash | 40 | 100\nGroup SA Balanced Plus Fund | Equity & equity related securities | 0 | 30 | Moderate\nDebt, Money market & Cash | 70 | 100 ... Group SA Sovereign Fund | Government Securities | 65 | 100 | Low\nMoney market & Cash | 0 | 35\nGroup SA Corporate Bond Fund | Debt (Other than Government Securities) | 65 | 100 | Low\nMoney market & Cash | 0 | 35\nGroup SA Equity Fund | Equity & equity related securities | 80 | 100 | High\nDebt, Money Market & Cash | 0 | 20","sources":[{"clause":null,"heading":"Fund options","page":4,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-unit-linked-superannuation-plus-105l200v02/document/21585#c-fund-options"},{"clause":null,"heading":"Fund options","page":5,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-unit-linked-superannuation-plus-105l200v02/document/21585#c-fund-options-2"}],"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":null,"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 charges annexure lists switch, premium allocation, premium redirection, fund management and surrender charges, but does not state a policy administration charge.","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":"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":"The policy does not state a mortality charge.","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":"For Defined Contribution schemes, the Policyholder or Member can switch units or amounts between funds without additional charge; the minimum Switch amount is ₹ 2,000. No partial withdrawals are allowed.","display":"Switching free; minimum Switch amount ₹ 2,000; no partial withdrawals","note":"Switching is applicable for Defined Contribution Scheme only.","quote":"This is applicable for Defined Contribution Scheme only. The Policyholder or Member can request to switch a certain number of Units or a certain amount from one fund to another fund without any additional charge. ... The minimum Switch amount is ₹ 2,000. ... Switching of Units from one Fund to another will be allowed without any charge. ... No partial withdrawals are allowed in the product.","sources":[{"clause":"7","heading":"Switching","page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-unit-linked-superannuation-plus-105l200v02/document/21662#c-7-2"},{"clause":"4","heading":"Surrender","page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-unit-linked-superannuation-plus-105l200v02/document/21662#c-4-2"}],"law":[]}],"documents":[{"kind":"wording","label":"ICICI Pru Group Unit Linked Superannuation Plus_105L200V02_From 26 Feb 2026 to till date","pages":10,"fetched_at":"2026-10-20 00:54:37+00","source_url":"https://www.icicilife.com/content/dam/icicipru/download-centre/specimenpolicy/2026/ICICI_Pru_Group_Unit_Linked_Superannuation_Plus_ICICIPRU_Policy_26022026_till_date.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-unit-linked-superannuation-plus-105l200v02/document/21662"},{"kind":"brochure","label":"ICICI Life Group Unit Linked Superannuation Plus","pages":15,"fetched_at":"2026-10-20 00:50:51+00","source_url":"https://www.icicilife.com/content/dam/icicipru/groups-brochure/ICICI_Pru_Group_Unit_Linked_Superannuation_Plus.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-unit-linked-superannuation-plus-105l200v02/document/21585"}],"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 Life Group Unit Linked Superannuation Plus (UIN 105L200V02), IndiaInsurances, https://indiainsurances.com/policy/icici-life-insurance/icici-life-group-unit-linked-superannuation-plus-105l200v02"}