{"uin":"105N224V01","name":"ICICI Life GIFT Assure","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-gift-assure-105n224v01","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 Life GIFT Assure is a non-participating non-linked individual savings life product with Gold and Platinum variants. It pays a guaranteed maturity benefit at maturity, with loyalty maturity additions under Platinum, and the death benefit is the highest of sum assured on death, 105% of premiums paid, and surrender value.","analysis":{"state":"machine","analysed_at":"2026-10-20 04:37:14.685802+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":["Gold","Platinum"],"display":"Gold; Platinum","note":null,"quote":"Choose between two variants:\nGold and Platinum to suit your financial goals","sources":[{"clause":null,"heading":"Choose the plan option","page":8,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-gift-assure-105n224v01/document/21407#c-choose-the-plan-option"}],"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":"Policy terms shown include 5, 10, 15 and 20 years depending on variant and premium payment term.","display":"5, 10, 15 or 20 years depending on variant and premium payment term","note":null,"quote":"Premium Payment Term | Policy Term | Min age at entry (in years) | Max age at entry (in years) | Min age at Maturity (in years)\nMax\nVariant | age at Maturity\n(in years)\nSingle Pay | 5, 10, 15 | 3 | 60 | 18\n75\n5 | 10, 15, 20 | 0 | 45\nGold\n7 | 15 | 3\n65\n10 | 15, 20 | 0\nPlatinum | 70\n5 | 10, 15, 20 | 0 | 50","sources":[{"clause":null,"heading":"Plan at a glance","page":4,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-gift-assure-105n224v01/document/21407#c-plan-at-a-glance"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"not-stated","value":null,"display":null,"note":"The prospectus mentions intimation of death in one ownership-change situation but does not state a claim intimation deadline.","quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"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":null,"quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["death of the life assured due to suicide within 12 months","In the event of death of the Life Assured on the date of maturity, only the Maturity Benefit (if applicable) is payable and the Death Benefit shall not be payable.","Prior to receipt of one full year’s premium, no surrender value is payable.","if you discontinue your premiums before one full years' premium has been paid then, no benefits will be payable under the policy."],"display":"Suicide within 12 months is limited to 80% of total premiums paid or surrender value, whichever is higher; death on the date of maturity does not get death benefit; no surrender value/benefits before one full year's premium in limited pay.","note":null,"quote":"In case of death of the life assured 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 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 the event of death of the Life Assured on the date of maturity, only the Maturity Benefit (if applicable) is payable and the Death Benefit shall not be payable. ... Prior to receipt of one full year’s premium, no surrender value is payable. ... Please note, if you discontinue your premiums before one full years' premium has been paid then, no benefits will be payable under the policy.","sources":[{"clause":null,"heading":"Terms & Conditions","page":15,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-gift-assure-105n224v01/document/21407#c-terms-conditions"},{"clause":null,"heading":"Death Benefit","page":10,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-gift-assure-105n224v01/document/21407#c-death-benefit"},{"clause":null,"heading":"Surrender Benefit","page":13,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-gift-assure-105n224v01/document/21407#c-surrender-benefit"}],"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":"If there is no resolution or the customer is not satisfied with the resolution, the customer may contact the designated grievance redressal officer at gro@icicilife.com or 1800-2660. If still not satisfied with the GRO resolution, the matter may be escalated to the internal grievance redressal committee.","display":"Contact the designated GRO at gro@icicilife.com or 1800-2660; if not satisfied with the GRO resolution, escalate to the internal grievance redressal committee.","note":null,"quote":"If You do not receive any resolution from Us or if | Address for communication for complaints by fax/paper:\nYou are not satisfied with Our resolution, You may get in touch\nwith Our designated grievance redressal officer (GRO) at | Policyholders’ Protection and Grievance Redressal\ngro@icicilife.com or 1800-2660. ... If You do not receive any | tml for more details.\nresolution or if You are not satisfied with the resolution provided by the GRO, You may escalate the matter to Our internal grievance redressal committee at the address mentioned below:","sources":[{"clause":"5","heading":"Nothing in this section shall prevent the insurer from calling","page":16,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-gift-assure-105n224v01/document/21407#c-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":"Minimum Sum Assured on Death includes ₹ 1,20,000 for limited pay, and Gold single pay options of ₹ 1,25,000, ₹ 1,10,000 or ₹ 10,00,000 depending on the sum assured multiple. The minimum SAM is 1.25 up to entry age 49 for single pay, 1.10 from entry age 50 and above for single pay, and 10 for limited pay; maximum Sum Assured on Death is subject to BAUP.","display":"Minimum Sum Assured on Death: ₹ 1,20,000 for limited pay; Gold single pay ₹ 1,25,000, ₹ 1,10,000 or ₹ 10,00,000 depending on SAM; maximum subject to BAUP.","note":"For POS variant, maximum Sum Assured on Death is ₹ 25,00,000.","quote":"• Minimum Sum Assured on Death:\nThe absolute minimum Sum Assured on Death is as below\nPremium Payment Option | Policy Term\nVariant\nLimited Pay | <15\n≥ 15 | ₹ 1,20,000\nSingle Pay (1.25X) | All | ₹ 1,25,000\nGold\nSingle Pay (1.10X) | All | ₹ 1,10,000\nSingle Pay (10X) | All | ₹ 10,00,000 ... The minimum Sum Assured Multiple (SAM) is set as:\n• Single Pay: o For Entry Age upto 49 years last birthday: 1.25 o For Entry Age 50 years last birthday and above: 1.10\n• Limited Pay: 10\n• Maximum Sum Assured on Death: The absolute maximum Sum Assured on Death is Subject to Board Approved Underwriting Policy (BAUP)","sources":[{"clause":null,"heading":"Plan at a glance","page":5,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-gift-assure-105n224v01/document/21407#c-plan-at-a-glance-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":"If the life assured dies during the policy term while premiums are being paid or after all due premiums have been paid, the death benefit is paid as a lump sum to the claimant. It is the highest of Sum Assured on Death, 105% of Total Premiums Paid up to the date of death, and Surrender Value payable as on the date of death.","display":"Lump sum equal to the highest of Sum Assured on Death, 105% of Total Premiums Paid up to death, and Surrender Value as on death.","note":"On payment of Death Benefit, the policy terminates. If death occurs on the date of maturity, only the Maturity Benefit, if applicable, is payable and Death Benefit is not payable.","quote":"Under both the variants, if the life assured (the person whose life is covered by this policy) passes away during the term of the policy while premiums are being paid or after all due premiums have been paid, the Death Benefit will be paid out as a lump sum to the person specified (known as the Claimant) in the policy. Death Benefit is highest of:\n• Sum Assured on Death,\n• 105% of Total Premiums Paid up to the date of death, and\n• Surrender Value payable as on the date of death.","sources":[{"clause":null,"heading":"Death Benefit","page":10,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-gift-assure-105n224v01/document/21407#c-death-benefit"}],"law":[]},{"key":"maturity_benefit","label":"Maturity benefit","section":"Cover","meaning":"What you get if you survive to the end of the term.","status":"quote-verified","value":"On survival of the life assured to maturity under a fully paid policy, the maturity benefit depends on the variant chosen at purchase. Gold pays the Guaranteed Maturity Benefit; Platinum pays Guaranteed Maturity Benefit plus Total Loyalty Maturity Additions accrued.","display":"Gold: Guaranteed Maturity Benefit. Platinum: Guaranteed Maturity Benefit + Total Loyalty Maturity Additions accrued.","note":"Guaranteed Maturity Benefit is the GMB rate multiplied by the Annualised/Single Premium; Single Premium is only available with Gold variant.","quote":"On survival of life assured till date of maturity, for a fully paid policy, you will receive a Maturity Benefit based on the variant chosen by you at the time of purchasing the policy. ... Under this variant, the Maturity Benefit payable to you will be the Guaranteed Maturity Benefit (GMB) Maturity Benefit = Guaranteed Maturity Benefit ... Under this variant, the Maturity Benefit payable to you will be sum of:\na) Guaranteed Maturity Benefit\nb) Total Loyalty Maturity Additions accrued Maturity Benefit = Guaranteed Maturity Benefit + Total Loyalty Maturity Additions accrued","sources":[{"clause":null,"heading":"Benefits in detail","page":9,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-gift-assure-105n224v01/document/21407#c-benefits-in-detail"},{"clause":null,"heading":"Variant 1: Gold","page":9,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-gift-assure-105n224v01/document/21407#c-variant-1-gold"},{"clause":null,"heading":"Variant 2: Platinum","page":9,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-gift-assure-105n224v01/document/21407#c-variant-2-platinum"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"quote-verified","value":"Premium paying terms shown are Single Pay, 5 years, 7 years and 10 years depending on the variant and policy term.","display":"Single Pay, 5 years, 7 years or 10 years depending on variant and policy term","note":null,"quote":"Premium Payment Term | Policy Term | Min age at entry (in years) | Max age at entry (in years) | Min age at Maturity (in years)\nMax\nVariant | age at Maturity\n(in years)\nSingle Pay | 5, 10, 15 | 3 | 60 | 18\n75\n5 | 10, 15, 20 | 0 | 45\nGold\n7 | 15 | 3\n65\n10 | 15, 20 | 0\nPlatinum | 70\n5 | 10, 15, 20 | 0 | 50","sources":[{"clause":null,"heading":"Plan at a glance","page":4,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-gift-assure-105n224v01/document/21407#c-plan-at-a-glance"}],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"quote-verified","value":"The maximum maturity age shown is 75 years, with other variant/PPT rows showing 65 years and 70 years.","display":"Maximum maturity age shown: 75 years; other rows show 65 years and 70 years.","note":"The table is variant and premium-payment-term specific.","quote":"Premium Payment Term | Policy Term | Min age at entry (in years) | Max age at entry (in years) | Min age at Maturity (in years)\nMax\nVariant | age at Maturity\n(in years)\nSingle Pay | 5, 10, 15 | 3 | 60 | 18\n75\n5 | 10, 15, 20 | 0 | 45\nGold\n7 | 15 | 3\n65\n10 | 15, 20 | 0\nPlatinum | 70\n5 | 10, 15, 20 | 0 | 50","sources":[{"clause":null,"heading":"Plan at a glance","page":4,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-gift-assure-105n224v01/document/21407#c-plan-at-a-glance"}],"law":[]},{"key":"suicide_clause","label":"Suicide clause","section":"Exclusions","meaning":"What is paid if death is by suicide within the first 12 months.","status":"quote-verified","value":"If death of the life assured is due to suicide within 12 months from commencement of risk or revival, the claimant gets 80% of total premiums paid till death or surrender value available on the date of death, whichever is higher, provided the policy is in force.","display":"Within 12 months: 80% of total premiums paid till death or surrender value on death date, whichever is higher, if policy is in force.","note":"The policy terminates after this payment.","quote":"Suicide clause: In case of death of the life assured 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 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.","sources":[{"clause":null,"heading":"Terms & Conditions","page":15,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-gift-assure-105n224v01/document/21407#c-terms-conditions"}],"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 can be surrendered any time for Single Pay after issuance, and for Limited Pay after payment of at least one full year's premiums while the life assured is alive on the surrender date. On surrender, the policyholder receives the higher of Guaranteed Surrender Value and Special Surrender Value; before one full year's premium is received, no surrender value is payable.","display":"Single Pay: after issuance. Limited Pay: after at least one full year's premiums. Surrender value is the higher of GSV and SSV.","note":"GSV formula differs by Gold and Platinum variants.","quote":"You can Surrender the policy any time:\n• Single Pay: after issuance of the policy.\n• Limited Pay: after payment of at least one full year's premiums provided the life assured is alive as on the date of surrender. Prior to receipt of one full year’s premium, no surrender value is payable. On surrendering the policy, you will receive a Surrender Value which will be higher of the following:\n• Guaranteed Surrender Value (GSV)\n• Special Surrender Value (SSV)","sources":[{"clause":null,"heading":"Surrender Benefit","page":13,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-gift-assure-105n224v01/document/21407#c-surrender-benefit"}],"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":"For policies other than Single Pay, if at least one full policy year's premium has been paid and later premium is not paid within the grace period, the policy becomes reduced paid-up and continues with reduced benefits. Paid-up Death Benefit and Paid-up Maturity Benefit, as applicable, are payable.","display":"After at least one full policy year's premium, non-payment within grace makes the policy reduced paid-up with reduced death and maturity benefits.","note":"Paid-up Death Benefit is the highest of Paid-up Sum Assured on Death, 105% of Total Premiums Paid till date of death, and Surrender Value payable as on date of death.","quote":"This section is not applicable for Single Pay policies, however, for other than Single Pay policies if at any stage if you stop paying premiums the following shall be applicable: ... If your premium payment is not made within the grace period after you have completed payment of premiums for atleast one full policy year, then your policy is said to have become “reduced paid-up”. And in such a case, your policy will continue with reduced benefits. In such a case, Paid-up Death Benefit and Paid–up Maturity Benefit as applicable, will be payable.","sources":[{"clause":null,"heading":"What happens if you stop paying your premiums?","page":11,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-gift-assure-105n224v01/document/21407#c-what-happens-if-you-stop-paying-your-premiums"}],"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 policy can be revived within five years from the due date of the first unpaid premium and before maturity, whichever is earlier, by paying all due premiums with interest, subject to underwriting and other conditions. Revival is not applicable for Single Pay policies.","display":"Within five years from first unpaid premium due date and before maturity, by paying due premiums with interest; not applicable for Single Pay.","note":"Revival may require satisfactory evidence of health and can be refused by the company.","quote":"You can revive your policy benefits for their full value within five years from the due date of the first unpaid premium and before the date of maturity, whichever is earlier by paying all due premiums together with interest Revival will be based on prevailing Board Approved Underwriting Policy. ... Revival is not applicable for Single Pay policies.","sources":[{"clause":null,"heading":"Policy Revival","page":13,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-gift-assure-105n224v01/document/21407#c-policy-revival"},{"clause":"1(b)(i)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-gift-assure-105n224v01/document/21407#c-1-b-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":"Policy loan is available after the policy acquires a positive surrender value, provided positive surrender value is payable at loan disbursement. Loan amount up to 80% of surrender value can be availed.","display":"Available after positive surrender value; loan up to 80% of surrender value.","note":"Before any benefits are paid, outstanding loan and interest are deducted.","quote":"You can take a policy loan after your policy acquires a positive surrender value.\n• Loans are available provided a positive surrender value is payable under the policy at the time of disbursement of the loan.\n• Loan amount of up to 80% of surrender value can be availed.","sources":[{"clause":null,"heading":"Taking a policy loan","page":10,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-gift-assure-105n224v01/document/21407#c-taking-a-policy-loan"}],"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":"No named optional riders are listed in the prospectus.","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":"After the expiry of three years, no life insurance policy can be called in question on any ground. Within three years, it may be called in question for fraud or for material misstatement/suppression, with written communication of grounds and materials; for non-fraud repudiation, premiums collected are paid within ninety days.","display":"No policy can be questioned after three years; within three years it can be questioned for fraud or material misstatement/suppression, with written grounds.","note":null,"quote":"1) No policy of life insurance shall be called in question on any ground whatsoever after the expiry of three years from the date of the policy ... 2 A policy of life insurance may be called in question at any\ntime within three years from the date of issuance of the policy or the date of commencement of risk or the date of revival of the policy or the date of the rider to the policy, whichever is later, on the ground of fraud: ... 4 A policy of life insurance may be called in question at any\ntime within three years from the date of issuance of the policy or the date of commencement of risk or the date of revival of the policy or the date of the rider to the policy, whichever is later, on the ground that any statement of or suppression of a fact material to the expectancy of the life of the insured was incorrectly made in the proposal or other document on the basis of which the policy was issued or revived or rider issued:","sources":[{"clause":null,"heading":"16. Section 45 of the Insurance Act, 1938, as amended from time","page":16,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-gift-assure-105n224v01/document/21407#c-16-section-45-of-the-insurance-act-1938-as-amend"},{"clause":"2","heading":"A policy of life insurance may be called in question at any","page":16,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-gift-assure-105n224v01/document/21407#c-2"},{"clause":"4","heading":"A policy of life insurance may be called in question at any","page":16,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-gift-assure-105n224v01/document/21407#c-4"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 45","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"tax_note","label":"Tax note in the document","section":"Premium","meaning":"What the document says about tax benefits. Not stated when it only says taxes are charged on the premium. Tax law changes; confirm separately.","status":"quote-verified","value":"Tax benefits may be available as per prevailing tax laws and are subject to prevailing conditions and provisions of the Income Tax Act, 2025. The document says tax laws are subject to amendments and asks the customer to consult a tax advisor.","display":"Tax benefits may be available as per prevailing tax laws; consult your tax advisor.","note":null,"quote":"Tax Benefits: Tax benefits may be available as per prevailing tax laws. Tax benefits under the policy are subject to prevailing conditions and provisions of the Income Tax Act, 2025. Taxes would be charged extra, as applicable. The tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for more details.","sources":[{"clause":null,"heading":"Terms & Conditions","page":15,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-gift-assure-105n224v01/document/21407#c-terms-conditions"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days from receipt of the policy document","note":"Refund is after deduction of stamp duty, proportionate risk premium for period of cover, and medical examination expenses, if any.","quote":"the policy document needs to be returned to the company with reasons for cancellation within 30 days from the date of receipt of the policy document.","sources":[{"clause":null,"heading":"Terms & Conditions","page":15,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-gift-assure-105n224v01/document/21407#c-terms-conditions"}],"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 frequency; 30 days for any other frequency","note":"Grace Period is not applicable for Single Pay policies.","quote":"Grace Period: If the policyholder is unable to pay an installment premium by the due date, a grace period of 15 days will be given for payment of due installment premium for monthly frequency, and 30 days will be given for payment of due installment premium for any other frequency, commencing from the premium due date. The life cover continues during the grace period.","sources":[{"clause":null,"heading":"Terms & Conditions","page":15,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-gift-assure-105n224v01/document/21407#c-terms-conditions"}],"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":"Minimum entry age is 0 years in the table and maximum entry age is 60 years, with variant and premium-payment-term specific limits.","display":"Entry age: 0 to 60 years, subject to variant and premium-payment-term limits.","note":"The table gives different entry ages by variant and premium payment term.","quote":"Premium Payment Term | Policy Term | Min age at entry (in years) | Max age at entry (in years) | Min age at Maturity (in years)\nMax\nVariant | age at Maturity\n(in years)\nSingle Pay | 5, 10, 15 | 3 | 60 | 18\n75\n5 | 10, 15, 20 | 0 | 45\nGold\n7 | 15 | 3\n65\n10 | 15, 20 | 0\nPlatinum | 70\n5 | 10, 15, 20 | 0 | 50","sources":[{"clause":null,"heading":"Plan at a glance","page":4,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-gift-assure-105n224v01/document/21407#c-plan-at-a-glance"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["Annual","Half-Yearly","Monthly"],"display":"Annual, Half-Yearly, Monthly","note":"The document line also lists Single Pay under premium payment frequency.","quote":"• Premium Payment Frequency: Single Pay, Annual, Half-Yearly, Monthly","sources":[{"clause":null,"heading":"Gold","page":4,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-gift-assure-105n224v01/document/21407#c-gold"}],"law":[]},{"key":"premium_type","label":"Premium payment type","section":"Premium","meaning":"Single premium, regular premium (every year of the term) or limited premium (fewer years than the term).","status":"quote-verified","value":["Single Pay","Limited Pay"],"display":"Single Pay and Limited Pay","note":"Single Premium is only available with Gold variant.","quote":"Single Pay: o For Entry Age upto 49 years last birthday: 1.25 o For Entry Age 50 years last birthday and above: 1.10\n• Limited Pay: 10","sources":[{"clause":null,"heading":"Plan at a glance","page":5,"url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-gift-assure-105n224v01/document/21407#c-plan-at-a-glance-2"}],"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 GIFT Assure_Valid from 01052026 to 09082026_105N224V02","pages":7,"fetched_at":"2026-10-20 01:31:17+00","source_url":"https://www.icicilife.com/content/dam/icicipru/download-centre/specimenpolicy/2026/ICICI_Pru_GIFT_Assure_V02_TnC.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-gift-assure-105n224v01/document/22626"},{"kind":"wording","label":"ICICI Pru GIFT Assure_Valid from 09032026 to 30042026_105N224V01","pages":7,"fetched_at":"2026-10-20 01:31:15+00","source_url":"https://www.icicilife.com/content/dam/icicipru/download-centre/specimenpolicy/2026/ICICI-Pru-GIFT-Assure-TnC.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-gift-assure-105n224v01/document/22628"},{"kind":"wording","label":"ICICI Pru GIFT Assure_Valid from 10082026 to 04102026 - 105N224V03","pages":7,"fetched_at":"2026-10-20 01:31:19+00","source_url":"https://www.icicilife.com/content/dam/icicipru/download-centre/specimenpolicy/2026/ICICI_Pru_GIFT_Assure_V03_TnC.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-gift-assure-105n224v01/document/22629"},{"kind":"wording","label":"ICICI Life GIFT Assure_Valid from 05102026 to till date - 105N224V03","pages":6,"fetched_at":"2026-10-20 01:31:21+00","source_url":"https://www.icicilife.com/content/dam/icicipru/download-centre/specimenpolicy/2026/ICICI_Life_GIFT_Assure_V03_TnC.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-gift-assure-105n224v01/document/22630"},{"kind":"prospectus","label":"ICICI Life GIFT Assure","pages":18,"fetched_at":"2026-10-20 00:41:01+00","source_url":"https://www.icicilife.com/content/dam/icicipru/brochures/ICICI_Pru_GIFT_Assure_Prospectus.pdf","url":"https://indiainsurances.com/policy/icici-life-insurance/icici-life-gift-assure-105n224v01/document/21407"}],"versions":[{"uin":"105N224V03","version":null,"approved_on":null},{"uin":"105N224V02","version":null,"approved_on":null},{"uin":"105N224V01","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 GIFT Assure (UIN 105N224V01), IndiaInsurances, https://indiainsurances.com/policy/icici-life-insurance/icici-life-gift-assure-105n224v01"}