{"uin":"105N190V06","name":"ICICI Life Gold","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-gold-105n190v06","insurer":{"slug":"icici-life-insurance","name":"ICICI Life Insurance Company Limited","url":"https://indiainsurances.com/insurer/icici-life-insurance"},"line":"life","category":"savings-life","category_name":"Endowment and savings plans","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"ICICI Pru Gold is a participating non-linked life individual savings product with Immediate Income, Immediate Income with Booster and Deferred Income variants. The death benefit is based on Sum Assured on Death plus applicable interim survival benefit and terminal bonus, and the free-look period is 30 days from receipt of the policy document.","analysis":{"state":"machine","analysed_at":"2026-10-20 04:38:55.807046+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":["Immediate Income","Immediate Income with Booster","Deferred Income"],"display":"Immediate Income; Immediate Income with Booster; Deferred Income","note":null,"quote":"There are three plan variants available i.e. Immediate Income, Immediate Income with Booster and Deferred Income.","sources":[{"clause":"Part C","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-gold-105n190v06/document/22228#c-part-c"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The wording defines Policy Term by reference to the Policy Schedule, but does not print the available or selected policy term.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"not-stated","value":null,"display":null,"note":"The wording lists claim documents but does not state a deadline for claim intimation.","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":"conflicting","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 Report, Final police investigation report, Post Mortem Report, Viscera / Chemical examination report, Newspaper Cutting if any, Driving License where applicable, Hospitalization / treatment records if any, Medical/ Hospital Attendant Certificate and Employer Certificate if salaried","For natural or medical death: Medico-legal / Medical cause of death certificate, past medical records and treatment papers, hospitalization records, Treating Doctor Certificate, Medical/ Hospital Attendant Certificate and employer certificate if salaried","For maturity or survival benefit claims: Cancelled Cheque for processing electronic payment and KYC of Proposer of the policy"],"display":"Death claim, cause-based death documents, and maturity/survival claim documents are listed; the current wording asks for Pan card / Form 97 of the claimant.","note":"The 2025 wording says: 'Pan card / Form 60 of the claimant'.","quote":"For processing a death 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 ... 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 • Newspaper Cutting, if any • Driving License (of the Life Assured driving the vehicle in case of death due to a road accident) • Hospitalization / treatment records if any • Duly filled in Medical/ Hospital Attendant Certificate • Duly filled in Employer Certificate (only if Life Assured was a salaried individual) ... 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 Duly filled in employer certificate (only if Life Assured was a salaried individual)For processing a maturity claim, survival benefit claims under this Policy, We will require the following documents a) Cancelled Cheque for processing electronic payment b) KYC of Proposer of the policy ... Pan card / Form 60 of the claimant","sources":[{"clause":"10","heading":null,"page":5,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-gold-105n190v06/document/22228#c-10"},{"clause":"10","heading":null,"page":5,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-gold-105n190v06/document/22231#c-10"}],"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 wording does not state how quickly death, maturity or survival benefit claims are decided or paid after intimation or documents.","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 commencement of risk or revival: at least 80% of Total Premiums Paid or Surrender Value, whichever is higher, with Survival Benefits already paid deducted","If premium is not paid within the grace period before at least one full year’s premium is paid, the Policy lapses, no benefits are payable and the cover ceases","On death of the Life Assured on the Date of Maturity, the Death Benefit is not payable"],"display":"Suicide within 12 months is limited; lapse before one full year's premium means no benefits; death on Date of Maturity does not pay Death Benefit.","note":null,"quote":"In case of death due to suicide within 12 months from the Date of Commencement of Risk under the Policy or from the date of revival of the Policy, as applicable, the Claimant shall be entitled to at least 80% of the Total Premiums Paid till the date of death or the Surrender Value available as on the date of death whichever is higher, provided the Policy is in force. In case any Survival Benefits have already been paid out, such amount already paid out shall be deducted from the amount payable on such death. ... If any Premium instalment is not paid within the grace period before at least one full years’ premium is paid then the Policy shall lapse, no benefits will be payable and the cover will cease. ... In the event of death of the Life Assured on the Date of Maturity, then only the last Guaranteed Income, Cash Bonus (if declared) and Maturity Benefit (if applicable) is payable, and the Death Benefit shall not be payable.","sources":[{"clause":"11","heading":"Suicide In case of death due to suicide within 12 months from the","page":6,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-gold-105n190v06/document/22228#c-11"},{"clause":"4(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-gold-105n190v06/document/22228#c-4-a"},{"clause":"1","heading":"Death Benefit","page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-gold-105n190v06/document/22228#c-1-2"}],"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 contact customer service through the app, website, advisor, customer service number, branch or customer service desk. If there is no resolution or you are not satisfied, submit the concern to the designated Grievance Redressal Officer, and then escalate to the internal Grievance Redressal Committee before IRDAI/Ombudsman routes.","display":"Customer service, then Grievance Redressal Officer, 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. You may contact Our advisor or call Our customer service representative ... i) Grievance Redressal Officer:\nIf 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:\nIf 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-gold-105n190v06/document/22228#c-1-5"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_assured","label":"Sum assured","section":"Cover","meaning":"The minimum and maximum life cover, or the rule that sets it (for example 10 times the annual premium).","status":"quote-verified","value":"Sum Assured on Death at inception is the minimum amount payable on death and is specified in the Policy Schedule. Under the death benefit rule it is the highest of 7 times Annualized Premium, 105% of Total Premiums Paid as on death, and the age-based Death Benefit multiple times Annualized Premium.","display":"Sum Assured on Death is the highest of 7 times Annualized Premium, 105% of Total Premiums Paid as on death, and the age-based Death Benefit multiple times Annualized Premium.","note":null,"quote":"Sum Assured on Death (at inception of the Policy) means the minimum amount payable on Your death at the inception of the policy in accordance with the terms and conditions of the Policy and is specified in the Policy Schedule. ... Where, the Sum Assured on Death is the highest of: • 7 times the Annualized Premium, • 105% of the Total Premiums Paid as on the Date of Death, and • Death Benefit multiple (as given in the table below) times Annualized Premium.","sources":[{"clause":"1","heading":"Age","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-gold-105n190v06/document/22228#c-1"},{"clause":"1","heading":"Death Benefit","page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-gold-105n190v06/document/22228#c-1-2"}],"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 all three plan variants, on death during the policy term for a premium paying or fully paid policy, the claimant receives Sum Assured on Death plus Interim Survival Benefit, if any, plus Terminal Bonus, if declared. The policy terminates after payment, and if death occurs on the Date of Maturity only the last Guaranteed Income, Cash Bonus and Maturity Benefit, if applicable, are payable and Death Benefit is not payable.","display":"Sum Assured on Death plus Interim Survival Benefit, if any, plus Terminal Bonus, if declared.","note":null,"quote":"For All three plan variants: (i) On death of the Life Assured during the Policy term, for a Premium Paying or Fully Paid Policy, Death Benefit shall be payable to the Claimant. Death Benefit is equal to: • Sum Assured on Death, plus • Interim Survival Benefit (if any), plus* • Terminal Bonus (if declared) ... On payment of Death Benefit to the Claimant, the policy will terminate and all rights, benefits and interests under the policy will stand extinguished. ... In the event of death of the Life Assured on the Date of Maturity, then only the last Guaranteed Income, Cash Bonus (if declared) and Maturity Benefit (if applicable) is payable, and the Death Benefit shall not be payable.","sources":[{"clause":"1","heading":"Death Benefit","page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-gold-105n190v06/document/22228#c-1-2"}],"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":"For all three plan variants, for a fully paid policy, survival till the Date of Maturity pays Maturity Benefit in a lump sum equal to Sum Assured on Maturity plus Terminal Bonus, if declared. Sum Assured on Maturity is the sum of Annualized Premium payable under the policy, and the policy terminates after payment.","display":"Sum Assured on Maturity plus Terminal Bonus, if declared, paid in lump sum on maturity for a fully paid policy.","note":null,"quote":"For All three plan variants: For a fully-paid Policy, on survival of the Life Assured till the Date of Maturity, only Maturity Benefit will be payable in lump sum on the Date of Maturity. This Maturity Benefit shall be equal to • Sum Assured on Maturity, plus • Terminal Bonus (if declared) The Sum Assured on Maturity shall be the sum of Annualized Premium payable under the policy. On payment of this benefit to You, the policy will terminate and all rights, benefits and interests under the policy will stand extinguished.","sources":[{"clause":"1","heading":"Death Benefit","page":2,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-gold-105n190v06/document/22228#c-1-2"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"not-stated","value":null,"display":null,"note":"The wording defines Premium Payment Term as the period specified in the Policy Schedule, but does not print the selected term for a policy.","quote":null,"sources":[],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"not-stated","value":null,"display":null,"note":"The wording does not state the maximum maturity age.","quote":null,"sources":[],"law":[]},{"key":"suicide_clause","label":"Suicide clause","section":"Exclusions","meaning":"What is paid if death is by suicide within the first 12 months.","status":"quote-verified","value":"If death is due to suicide within 12 months from the Date of Commencement of Risk or from revival, the claimant gets at least 80% of Total Premiums Paid till death or the Surrender Value on the date of death, whichever is higher, provided the policy is in force. Survival Benefits already paid are deducted and the policy terminates.","display":"Within 12 months: at least 80% of Total Premiums Paid or Surrender Value, whichever is higher, less Survival Benefits already paid.","note":null,"quote":"In case of death due to suicide within 12 months from the Date of Commencement of Risk under the Policy or from the date of revival of the Policy, as applicable, the Claimant shall be entitled to at least 80% of the Total Premiums Paid till the date of death or the Surrender Value available as on the date of death whichever is higher, provided the Policy is in force. In case any Survival Benefits have already been paid out, such amount already paid out shall be deducted from the amount payable on such death. The Policy will terminate on making such a payment and all rights, benefits and interests under the Policy will stand extinguished.","sources":[{"clause":"11","heading":"Suicide In case of death due to suicide within 12 months from the","page":6,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-gold-105n190v06/document/22228#c-11"}],"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":"You can surrender any time after payment of at least one full policy year’s premiums; before that, no surrender value is payable. The surrender value is the higher of Guaranteed Surrender Value and Special Surrender Value; GSV is GSV Factor times Total Premiums Paid less Survival Benefits paid till date, subject to a minimum of zero.","display":"After at least one full policy year's premium: higher of GSV and SSV; no surrender value before that.","note":null,"quote":"You can surrender the policy any time after payment of at least one full policy year’s premium(s). Prior to receipt of one full year’s premium, no surrender value is payable. On policy surrender, a Surrender Value equal to the higher of the following will be payable: • Guaranteed Surrender Value (GSV) • Special Surrender Value (SSV) ... GSV = GSV Factor X Total Premiums Paid, less Survival Benefits (if any) paid till date, subject to a minimum of zero.","sources":[{"clause":null,"heading":"2. Surrender","page":4,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-gold-105n190v06/document/22228#c-2-surrender"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.1 to 26.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.4 and 26.5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 27","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.16 and 1.17","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(1) to (3)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(4) and (5)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(6) to (9)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(B)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vi)(c)(V)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"paid_up","label":"Paid-up value","section":"Renewal and rights","meaning":"What cover continues if you stop paying premiums after a few years.","status":"quote-verified","value":"If premium remains unpaid after the grace period and at least one full year’s premium has been paid, the policy becomes paid-up with reduced benefits and no future Cash Bonus or Terminal Bonus. Paid-up death and maturity benefits use the stated proportion based on months of premiums paid divided by 12 times Premium Payment Term.","display":"After at least one full year's premium, non-payment after grace period makes the policy paid-up with reduced benefits.","note":null,"quote":"If any premium remains unpaid after the expiry of the grace period and at least one full years' premium has been paid in the Policy, the policy's status shall be altered to paid-up status with the following reduced benefits payable under specified contingencies as described below. A paid-up policy will not be entitled to any future bonus, in terms of Cash Bonus or Terminal Bonus. ... Paid-up Sum Assured on Death = Higher of {Sum Assured on Death X {number of months for which premiums are paid / (12 X Premium Payment Term)}, 105% of Total premiums paid} ... Paid-up Sum Assured on Maturity = Sum Assured on Maturity X {number of months for which premiums are paid / (12 X Premium Payment Term)}","sources":[{"clause":"3","heading":"Paid-up Policy","page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-gold-105n190v06/document/22231#c-3"}],"law":[]},{"key":"revival","label":"Revival period","section":"Renewal and rights","meaning":"How long after lapsing you can restart the policy.","status":"quote-verified","value":"A policy with discontinued premium payment may be revived within 5 years from the due date of the first unpaid premium or the policy term, whichever is earlier, subject to underwriting, health evidence and payment of arrears with interest. Revival takes effect only when specifically communicated by the insurer, and the company may refuse revival.","display":"Within 5 years from the due date of the first unpaid premium or the policy term, whichever is earlier.","note":null,"quote":"A policy which has discontinued payment of premium may be revived subject to underwriting and the following conditions: • The application for revival is made within 5 years from the due date of the first unpaid premium or the policy term, whichever is earlier. Revival will be based on the prevailing Board approved underwriting policy. • You furnish, at your own expense, satisfactory evidence of health of the Life Assured as required by the prevailing Board approved underwriting policy. • The arrears of Premiums together with interest at such rate as We may charge for late payment of premiums are paid, based on the prevailing Company Policy. ... The revival will take effect only if it is specifically communicated by Us to You. The Company reserves the right to refuse to revive the policy.","sources":[{"clause":"5","heading":"Revival","page":5,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-gold-105n190v06/document/22228#c-5-2"}],"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 available if a positive surrender value is payable at disbursement, up to 80% of Surrender Value. The policy must be assigned to the company for the loan, and loan outstanding with interest is deducted before benefits are paid.","display":"Loans available up to 80% of Surrender Value if a positive surrender value is payable.","note":null,"quote":"i) Loans are available provided a positive surrender value is payable under the policy at the time of disbursement of the same. (ii) Loan amount of up to 80% of Surrender Value can be availed. ... (v) Before any benefits are paid out, loan outstanding together with the interest thereon if any will be deducted and the balance amount will be payable. (vi) For availing this feature of Loan, the policy shall be assigned to the Company.","sources":[{"clause":"4(i)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-gold-105n190v06/document/22228#c-4-i"}],"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 wording mentions rider premiums and rider benefits generally, but does not name any riders available with this product.","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":"No life insurance policy can be called in question on any ground after 3 years from issuance, commencement of risk, revival or rider, whichever is later. Within 3 years it may be questioned for fraud, or for material misstatement or suppression, with written communication of grounds and materials; if repudiation is for misstatement and not fraud, premium collected is paid within 90 days of repudiation.","display":"After 3 years, no questioning on any ground; within 3 years, fraud or material misstatement rules apply.","note":null,"quote":"1. No Policy of Life Insurance shall be called in question on any ground whatsoever after expiry of 3 yrs from a) the date of issuance of Policy or b) the date of commencement of risk or c) the date of revival of Policy or d) the date of rider to the Policy whichever is later. 2. On the ground of fraud, a Policy of Life Insurance may be called in question within 3 years ... 6. 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 ... 7. 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":"Appendix V","heading":"Section 45 – Policy shall not be called in question on","page":10,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-gold-105n190v06/document/22228#c-appendix-v"}],"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 as per the prevailing tax laws.","display":"Tax Benefits may be applicable as per the prevailing tax laws.","note":null,"quote":"Tax Benefits may be applicable as per the prevailing tax laws.","sources":[{"clause":"9","heading":"Legislative changes Tax Benefits may be applicable as per the","page":5,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-gold-105n190v06/document/22228#c-9"}],"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 or otherwise, You have an option to review the policy terms and conditions. If You are not satisfied or have any disagreement with the terms and conditions of the Policy or otherwise and have not made any claim, 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":"Free look Period ( 30 days refund Policy)","page":4,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-gold-105n190v06/document/22231#c-1-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":15},"display":"15 days for monthly; 30 days for other frequencies","note":"Value and norm use the monthly-mode grace period; other premium frequencies have 30 days.","quote":"If You are unable to pay an instalment premium by the due date, you will be given a grace period of 15 days for payment of due instalment premium if You have chosen monthly frequency, and 30 days for payment of due instalment premium if You have chosen any other frequency, commencing from the premium due date. The life cover continues during the grace period.","sources":[{"clause":"5","heading":"Grace Period","page":4,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-gold-105n190v06/document/22228#c-5"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"not-stated","value":null,"display":null,"note":"The wording contains age bands in benefit rate tables and mentions policies on a minor's life, but does not state the youngest and oldest entry ages as eligibility.","quote":null,"sources":[],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["yearly","half-yearly","monthly"],"display":"yearly, half-yearly or monthly","note":null,"quote":"Premiums under the Policy can be paid in yearly, half-yearly or monthly mode. The frequency chosen by you at inception is as mentioned in the Policy Schedule.","sources":[{"clause":"4(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-gold-105n190v06/document/22228#c-4-a"}],"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":["Limited Pay"],"display":"Limited Pay","note":null,"quote":"Limited Pay means premiums need to be paid regularly for a limited portion of the Policy term.","sources":[{"clause":"1","heading":"Age","page":1,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-gold-105n190v06/document/22228#c-1"}],"law":[]},{"key":"guaranteed_benefits","label":"Guaranteed benefits","section":"Cover","meaning":"What is guaranteed, in rupees or as a formula, regardless of the insurer's performance.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"bonus","label":"Bonus type","section":"Cover","meaning":"Participating plans share profits as bonuses; these are NOT guaranteed.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"illustration_returns","label":"Illustrated returns","section":"Cover","meaning":"The benefit illustration at the IRDAI rates (4% and 8%); not a promise.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"money_back","label":"Survival or money-back payouts","section":"Cover","meaning":"Instalments paid during the term.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"ICICI Pru Gold Version 6 Valid from 01042026 to 09072026 - 105N190V06","pages":11,"fetched_at":"2026-10-20 01:16:42+00","source_url":"https://www.icicilife.com/content/dam/icicipru/download-centre/specimenpolicy/2026/ICICI_Pru_Gold_01042026_to_till_date_105N190V06.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-gold-105n190v06/document/22228"},{"kind":"wording","label":"ICICI Pru Gold Version 7 Valid from 10072026 to 04102026 - 105N190V07","pages":7,"fetched_at":"2026-10-20 01:16:44+00","source_url":"https://www.icicilife.com/content/dam/icicipru/download-centre/specimenpolicy/2026/ICICI_Pru_Gold_10072026_to_till_date_105N190V07.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-gold-105n190v06/document/22229"},{"kind":"wording","label":"ICICI Life Gold Version 7 Valid from 05102026 to till date - 105N190V07","pages":7,"fetched_at":"2026-10-20 01:16:46+00","source_url":"https://www.icicilife.com/content/dam/icicipru/download-centre/specimenpolicy/2026/ICICI_Pru_Gold_05102026_to_till_date_105N190V07.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-gold-105n190v06/document/22230"},{"kind":"wording","label":"ICICI Pru Gold Version 6 Valid from 19122025 to 31032026 - 105N190V06","pages":11,"fetched_at":"2026-10-20 01:16:40+00","source_url":"https://www.icicilife.com/content/dam/icicipru/download-centre/specimenpolicy/2025/ICICI_Pru_Gold_19122025_to_till_date_105N190V06.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-gold-105n190v06/document/22231"},{"kind":"cis","label":"ICICI Life Gold - Customer Information Sheet","pages":5,"fetched_at":"2026-10-20 00:48:45+00","source_url":"https://www.icicilife.com/content/dam/icicipru/customer-information-sheet/Customer_Information_Sheet_ICICI_Pru_Gold.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-gold-105n190v06/document/21537"},{"kind":"brochure","label":"ICICI Life Gold","pages":28,"fetched_at":"2026-10-20 00:45:13+00","source_url":"https://www.icicilife.com/content/dam/icicipru/brochures/ICICI-Pru-Gold-Brochure.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-gold-105n190v06/document/21468"},{"kind":"brochure","label":"ICICI Pru GOLD Brochure Webview","pages":28,"fetched_at":"2026-10-20 00:59:09+00","source_url":"https://www.icicilife.com/content/dam/icicipru/brochures/ICICI_Pru_GOLD_Brochure_Webview.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-gold-105n190v06/document/21748"}],"versions":[{"uin":"105N190V07","version":null,"approved_on":null},{"uin":"105N190V06","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"ICICI Life Insurance official website","url":"https://www.icicilife.com","note":"Website as listed by IRDAI. Not checked: the site blocks automated requests (bot wall) for our crawler on 2026-10-19; we do not bypass walls."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"ICICI Life Gold (UIN 105N190V06), IndiaInsurances, https://indiainsurances.com/policy/icici-life-insurance/icici-life-gold-105n190v06"}