{"uin":"107N090V02","name":"Kotak e-Term Plan","url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-e-term-plan-107n090v02","insurer":{"slug":"kotak-mahindra-life-insurance","name":"Kotak Mahindra Life Insurance Company Limited","url":"https://indiainsurances.com/insurer/kotak-mahindra-life-insurance"},"line":"life","category":"term-life","category_name":"Term life","irdai_type":"Product","kind":"product","status":"active","approved_on":"2010-05-03","withdrawn_on":null,"summary":"Kotak e-Term Plan is a term life insurance policy with Life Option, Life Secure Option and Life Plus Option, and no maturity benefit. Death benefit can be paid as immediate payout, level recurring payout or increasing recurring payout, and the free-look period is 15 days or 30 days for distance marketing and electronic policies.","analysis":{"state":"machine","analysed_at":"2026-10-20 00:41:51.229271+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":["Life Option","Life Secure Option","Life Plus Option"],"display":"Life Option, Life Secure Option, Life Plus Option","note":null,"quote":"A. Life Option\nOn the death of Life Insured, the Sum Assured on death shall be payable.\nB. Life Secure Option:\nOn the death of Life Insured, the Sum Assured on death shall be payable.\nC. Life Plus Option:","sources":[{"clause":null,"heading":"A. Life Option","page":7,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-e-term-plan-107n090v02/document/10683#c-a-life-option"}],"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 as the period mentioned in the Schedule, but the document does not print the available term range.","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":"quote-verified","value":"Claims should be notified to the Company in writing within ninety (90) days from the claim event.","display":"Within ninety (90) days from the claim event","note":null,"quote":"Claims should be notified to the Company in writing within ninety (90) days from the claim event.","sources":[{"clause":"5(ii)","heading":null,"page":24,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-e-term-plan-107n090v02/document/10683#c-5-ii"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["ORIGINAL DEATH CERTIFICATE and MEDICAL CAUSE OF DEATH/ relevant medical records","certificate from a Registered Medical practitioner and relevant hospital records","certified copies of First Information Report [FIR], Post Mortem Report, the autopsy report, any relevant newspaper cuttings and Final Police Closure Report","certified copy of the Life Insured’s driving license","Original Policy Document","All medical records","Current residential proof and Photo identity proof of Claimant","Original cancelled cheque showing name of Bank, location of Bank Branch, Name of Account Holder and Account No.","Claim Intimation Form"],"display":"Death certificate, medical cause/records, accident police documents, policy document, claimant KYC, bank proof and claim intimation form","note":null,"quote":"In case of a Death claim the ORIGINAL DEATH CERTIFICATE and MEDICAL CAUSE OF DEATH/ relevant medical records are required. ... In case of claim events like Critical Illness or Permanent Disability, the certificate from a Registered Medical practitioner and relevant hospital records are required. ... In case of Death due to Accident then the certified copies of First Information Report [FIR], Post Mortem Report, the autopsy report, any relevant newspaper cuttings and Final Police Closure Report are required. ... a certified copy of the Life Insured’s driving license to be submitted. o Original Policy Document. o All medical records are required. ... Current residential proof and Photo identity proof of Claimant ... Original cancelled cheque showing name of Bank, location of Bank Branch, Name of Account Holder and Account No. ... Claim Intimation Form For any claim, one must inform the Company by filling the ‘Claim Intimation Form’ with all details.","sources":[{"clause":"5(iv)","heading":null,"page":24,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-e-term-plan-107n090v02/document/10683#c-5-iv"}],"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 due to suicide within 12 months from date of commencement of risk of the policy or from date of revival of the policy","Intentional self-inflicted injury, suicide, while sane or insane","Life Insured being under the influence of drugs, alcohol, narcotics, or psychotropic substances unless taken in accordance with the lawful directions and prescription of a doctor","The Life Insured committing an assault, a criminal offence, an illegal activity or any breach of law with criminal intent","Life Insured taking part in any naval, military or air force operations during peace time or during service in any police, paramilitary or any similar organization","War, invasion, act of foreign enemy, hostilities (whether war be declared or not), armed or unarmed truce, civil war, mutiny, rebellion, revolution, insurrection, military or usurped power, riot or civil commotion, strikes","Life Insured engaging in hazardous sports/hobbies or activities like (but not limited to) mountaineering, hunting, skiing, pot holing, racing of any kind, deep sea diving or climbing","Participation of the Life Insured in any flying activity, except as a bona fide, farepaying passenger of a recognized airline or Pilots and cabin crew of a commercial airline operating between established aerodromes on regular routes and on a scheduled timetable","Nuclear, Biological and Chemical contamination; the radioactive, explosive or hazardous nature of nuclear fuel materials or property contaminated by nuclear fuel materials or accident arising from such nature","Sickness or disability which was a Pre-Existing Condition or Sickness or disability which was induced by or as a result of a Pre-Existing Condition unless Life Insured has disclosed the same"],"display":"Suicide limitation; accidental death and disability exclusions for self-inflicted injury, intoxication, criminal acts, armed forces, war/riot, hazardous sports, flying other than permitted passenger/crew, nuclear/biological/chemical contamination, and pre-existing sickness/disability for TPD","note":"Most listed exclusions are for the Accidental Death Benefit under Life Plus and the Total and Permanent Disability waiver under Life Secure, not the base death benefit in all circumstances.","quote":"death due to suicide within 12 months from date of commencement of risk of the policy or from date of revival of the policy ... Intentional self-inflicted injury, suicide, while sane or insane ; ... Life Insured being under the influence of drugs, alcohol, narcotics, or psychotropic substances unless taken in accordance with the lawful directions and prescription of a doctor ; ... The Life Insured committing an assault, a criminal offence, an illegal activity or any breach of law with criminal intent ; ... Life Insured taking part in any naval, military or air force operations during peace time or during service in any police, paramilitary or any similar organization; ... War, invasion, act of foreign enemy, hostilities (whether war be declared or not), armed or unarmed truce, civil war, mutiny, rebellion, revolution, insurrection, military or usurped power, riot or civil commotion, strikes; ... Life Insured engaging in hazardous sports/hobbies or activities like (but not limited to) mountaineering, hunting, skiing, pot holing, racing of any kind, deep sea diving or climbing; ... Participation of the Life Insured in any flying activity, except as a bona fide, farepaying passenger of a recognized airline or Pilots and cabin crew of a commercial airline operating between established aerodromes on regular routes and on a scheduled timetable; ... Nuclear, Biological and Chemical contamination; the radioactive, explosive or hazardous nature of nuclear fuel materials or property contaminated by nuclear fuel materials or accident arising from such nature; ... Sickness or disability which was a Pre-Existing Condition or Sickness or disability which was induced by or as a result of a Pre-Existing Condition unless Life Insured has disclosed the same","sources":[{"clause":"1(i)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-e-term-plan-107n090v02/document/10683#c-1-i-3"},{"clause":"1(ii)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-e-term-plan-107n090v02/document/10683#c-1-ii"},{"clause":"1(II)(a)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-e-term-plan-107n090v02/document/10683#c-1-ii-a-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 approach a branch or Customer Service Department. If not satisfied with that office’s decision, or if no response is received within 10 days, contact the Grievance Redressal Officer.","display":"Customer Service Department or branch first; then Grievance Redressal Officer after dissatisfaction or no response within 10 days","note":null,"quote":"In case you have any query or complaint/grievance, you may approach any of our branches\nor you may contact our Customer Service Department at the following address: ... In case you are not satisfied with the decision of the above office, or have not received any response within 10 days, you may contact the following official for resolution:\nThe Grievance Redressal Officer","sources":[{"clause":"1","heading":"In case you have any query or complaint/grievance, you may approach any of our branches","page":28,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-e-term-plan-107n090v02/document/10683#c-1-4"},{"clause":"2","heading":null,"page":28,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-e-term-plan-107n090v02/document/10683#c-2-5"}],"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":"Basic Sum Assured is the amount mentioned in the Schedule as opted at inception. Sum Assured means that Basic Sum Assured adjusted for Step-Up or Step-Down options, as applicable.","display":"Basic Sum Assured as mentioned in the Schedule, adjusted for Step-Up or Step-Down options","note":"The wording does not print a minimum or maximum Basic Sum Assured.","quote":"Basic Sum Assured:\nMeans the amount mentioned in the Schedule as opted by the Policyholder on inception of the Policy and payable as per the terms and conditions of this Policy Document. ... Sum Assured:\nMeans the Basic Sum Assured adjusted for <<increase/>> decrease in the Basic Sum Assured <<due to Step-Up />> Step-Down Options (as applicable) exercised during the Policy Term.","sources":[{"clause":"Part B(vii)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-e-term-plan-107n090v02/document/10683#c-part-b-vii"},{"clause":"Part B(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-e-term-plan-107n090v02/document/10683#c-part-b-b-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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"No benefit is payable on survival to maturity.","display":"No maturity benefit","note":null,"quote":"No benefit shall become payable under the Policy upon survival of the Life Insured to the date of maturity specified in the Schedule of the Policy.","sources":[{"clause":"1(III)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-e-term-plan-107n090v02/document/10683#c-1-iii"}],"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 mentioned in the Schedule, but does not print the available premium-paying term range.","quote":null,"sources":[],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"quote-verified","value":"Maximum Age of the Life Insured at maturity is 75 years.","display":"75 years","note":null,"quote":"Minimum Age of the Life Insured at maturity is 23 years. Maximum Age of the Life Insured at maturity is 75 years.","sources":[{"clause":"Part B(xvi)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-e-term-plan-107n090v02/document/10683#c-part-b-xvi"}],"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":"For death due to suicide within 12 months from commencement of risk or revival, the nominee or beneficiary is entitled to 80% of total premiums paid till date of death or the surrender value available on the date of death, whichever is higher, provided the policy is in force.","display":"Within 12 months: higher of 80% of total premiums paid or surrender value, provided the policy is in force","note":null,"quote":"In case of death due to suicide within 12 months from date of commencement of risk of the policy or from date of revival of the policy, as applicable, the nominee or beneficiary of the policyholder shall be entitled to , 80% of the total premiums paid till 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":"1(i)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-e-term-plan-107n090v02/document/10683#c-1-i-3"}],"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":"Regular premium policies do not acquire surrender value. Limited premium policies acquire surrender value after two consecutive full years’ premium if PPT is less than 10 years, and after three consecutive full years’ premium if PPT is 10 years or above. Single premium policies acquire surrender value immediately after receipt of single premium, and the surrender value is paid as a lump sum.","display":"No surrender value for Regular Premium; Limited Premium after 2 or 3 full years; Single Premium immediately","note":"Formula: Total Premiums Paid to date, including extra premium but excluding taxes and rider premiums, multiplied by the surrender value factor printed in the policy.","quote":"The Policy shall not acquire any surrender value under the Regular Premium payment option. The Surrender Value will be acquired only under the Single Premium payment and Limited Premium payment options. ... For PPT less than 10 years: after payment of two consecutive full years’ Premium.\n• For PPT of 10 years or above: after payment of three consecutive full years’ Premium. ... Under Single Premium Payment option, Surrender Value is acquired immediately after receipt of single Premium. ... The Surrender Value will be paid out as lump sum and once the surrender value is paid, the Policy shall stand terminated and no further benefits shall be applicable /payable.","sources":[{"clause":"3","heading":"Surrender","page":19,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-e-term-plan-107n090v02/document/10683#c-3-3"},{"clause":"3(i)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-e-term-plan-107n090v02/document/10683#c-3-i"},{"clause":"3(ii)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-e-term-plan-107n090v02/document/10683#c-3-ii"}],"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":"Regular premium has no reduced paid-up section, and single premium policies become fully paid-up after payment of premium. For limited premium policies, after the policy acquires surrender value, non-payment within the grace period converts the base policy and riders, if any, into a reduced paid-up policy with reduced paid-up sum assured on death.","display":"Limited Premium can become Reduced Paid-Up after surrender value is acquired; Regular Premium not applicable; Single Premium fully paid-up","note":null,"quote":"This section is not applicable for Regular Premium Payment option. Single Premium Policies shall become fully Paid-Up after payment of Premium.\nFor Limited Premium paying policies, after the policy acquires Surrender Value, if the subsequent premiums are not paid within the grace period, the Base Policy along with Riders (if any), subject to the Terms and Conditions of the Riders, shall be converted into a Reduced Paid-Up policy, by converting Sum Assured on death into Reduced Paid-Up Sum Assured on death as mentioned below:","sources":[{"clause":"4","heading":"Reduced Paid-Up","page":19,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-e-term-plan-107n090v02/document/10683#c-4-3"}],"law":[]},{"key":"revival","label":"Revival period","section":"Renewal and rights","meaning":"How long after lapsing you can restart the policy.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.1 and 40.1.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.4","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.7","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.28","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.39","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"policy_loan","label":"Policy loan","section":"Renewal and rights","meaning":"Whether you can borrow against the policy.","status":"quote-verified","value":"Loans under this policy are not allowed.","display":"Not allowed","note":null,"quote":"Loans under this policy are not allowed.","sources":[{"clause":"5","heading":"Loans","page":20,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-e-term-plan-107n090v02/document/10683#c-5-2"}],"law":[]},{"key":"riders_available","label":"Riders available","section":"Cover","meaning":"Optional add-ons such as accidental death, critical illness or waiver of premium.","status":"quote-verified","value":["Kotak Permanent Disability Benefit Rider (UIN – 107B002V03)","Kotak Critical Illness Plus Benefit Rider (UIN – 107B020V01)"],"display":"Kotak Permanent Disability Benefit Rider and Kotak Critical Illness Plus Benefit Rider","note":"Kotak Permanent Disability Benefit Rider is not available for ‘Life Secure’ Plan option.","quote":"A. Kotak Permanent Disability Benefit Rider (UIN – 107B002V03) (not available for ‘Life Secure’ Plan option) B. <<Kotak Critical Illness Plus Benefit Rider (UIN – 107B020V01)","sources":[{"clause":"1(IV)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-e-term-plan-107n090v02/document/10683#c-1-iv"}],"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 expiry of 3 years from the later of issuance, commencement of risk, revival or rider date. Within 3 years, it may be called in question for fraud or material misstatement, with written communication of the grounds and materials; for non-fraud misstatement repudiation, premium collected till repudiation is paid within 90 days.","display":"No questioning after 3 years; within 3 years for fraud or material misstatement with written grounds","note":null,"quote":"No Policy of Life Insurance shall be called in question on any ground whatsoever after\nexpiry of 3 yrs from ... On the ground of fraud, a policy of Life Insurance may be called in question within 3 years from ... the insurer should communicate in writing to the insured or legal representative or nominee or assignees of insured, as applicable, mentioning the ground and materials on which such decision is based. ... Life insurance Policy can be called in question within 3 years on the ground that any\nstatement of or suppression of a fact material to expectancy of life of the insured was incorrectly made ... In case repudiation is on ground of mis-statement and not on fraud, the premium collected\non 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":"01","heading":"No Policy of Life Insurance shall be called in question on any ground whatsoever after","page":36,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-e-term-plan-107n090v02/document/10683#c-01-3"},{"clause":"02","heading":null,"page":36,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-e-term-plan-107n090v02/document/10683#c-02-3"},{"clause":"06","heading":"Life insurance Policy can be called in question within 3 years on the ground that any","page":36,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-e-term-plan-107n090v02/document/10683#c-06-3"},{"clause":"07","heading":"In case repudiation is on ground of mis-statement and not on fraud, the premium collected","page":37,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-e-term-plan-107n090v02/document/10683#c-07-3"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 45","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"tax_note","label":"Tax note in the document","section":"Premium","meaning":"What the document says about tax benefits. Not stated when it only says taxes are charged on the premium. Tax law changes; confirm separately.","status":"not-stated","value":null,"display":null,"note":"The document only states that taxes are collected or premiums may be revised for tax law changes; it does not state tax benefits.","quote":null,"sources":[],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":15},"display":"15 days; 30 Days for Distance Marketing mode and electronic policies","note":"Distance Marketing mode and electronic policies have 30 Days.","quote":"The Policyholder is offered 15 days free look period for a Policy sold through all channels (except in case of policies obtained through *Distance Marketing mode and electronic policies which will have 30 Days) from the date of receipt of the Policy wherein the Policyholder may choose to return the Policy","sources":[{"clause":"6","heading":"Free Look Provision","page":20,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-e-term-plan-107n090v02/document/10683#c-6-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days for annual, half-yearly and quarterly mode; 15 days for monthly mode","note":"15 days applies to monthly mode. Grace Period is not applicable for Single Premium payment option.","quote":"Grace Period:\nMeans the time granted by the Company i.e. 30 days from the due date for the payment of Premium for annual, half-yearly and quarterly mode and 15 days for monthly mode, without levy of any interest or penalty during which time the Policy is considered to be in-force with the risk cover without any interruption as per the terms of the Policy. Grace Period is not applicable for Single Premium payment option under this Policy.","sources":[{"clause":"Part B(xii)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-e-term-plan-107n090v02/document/10683#c-part-b-xii"}],"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 Age of the Life Insured at entry is 18 years. Maximum Age at entry is 65 years, except 50 years for Limited Premium Payment “Pay till 60 years”.","display":"18 years to 65 years; 50 years for Limited Premium Payment “Pay till 60 years”","note":null,"quote":"Minimum Age of the Life Insured at entry is 18 years. Maximum Age of the Life Insured at entry is 65 years (except for Limited Premium Payment “Pay till 60 years”). Maximum : 50 years (for Limited Premium Payment “Pay till 60 years”)","sources":[{"clause":"Part B(xvi)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-e-term-plan-107n090v02/document/10683#c-part-b-xvi"}],"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","Quarterly","Monthly","Single"],"display":"Annual, Half yearly, Quarterly, Monthly, Single","note":null,"quote":"Mode of Premium payment: <<Annual/Half yearly/Quarterly / Monthly/Single >>","sources":[{"clause":"2(I)","heading":"Mode of Premium payment","page":13,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-e-term-plan-107n090v02/document/10683#c-2-i"}],"law":[]},{"key":"premium_type","label":"Premium payment type","section":"Premium","meaning":"Single premium, regular premium (every year of the term) or limited premium (fewer years than the term).","status":"quote-verified","value":["Regular","Single","Limited Premium"],"display":"Regular, Single and Limited Premium","note":null,"quote":"Benefit | Regular /Single/Limit ed Premium (Rs.) | Extra Premium (Rs.) | Date of Risk Commencement | Date Last Premium Due ... Premium:\nMeans the Single Premium (for Single Premium payment option) or the total initial Premium and subsequent Premiums due (in case of an option other than Single Premium payment option) and payable under the Policy. ... Premium Payment Term (PPT):\nThis is the period during which the Policyholder shall pay the Premium to get the full benefits as mentioned in the Schedule of the Policy. If the Premium Payment Term is less than the Policy Term, it shall mean Limited Premium payment Policy.","sources":[{"clause":"2(I)","heading":"Mode of Premium payment","page":13,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-e-term-plan-107n090v02/document/10683#c-2-i"},{"clause":"Part B(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-e-term-plan-107n090v02/document/10683#c-part-b-c"}],"law":[]},{"key":"return_of_premium","label":"Return of premium option","section":"Cover","meaning":"Whether premiums come back if you survive the term, and at what cost. 'No' only when the document says no maturity benefit is payable.","status":"quote-verified","value":"No. No benefit is payable upon survival to maturity.","display":"No; no maturity benefit","note":null,"quote":"No benefit shall become payable under the Policy upon survival of the Life Insured to the date of maturity specified in the Schedule of the Policy.","sources":[{"clause":"1(III)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-e-term-plan-107n090v02/document/10683#c-1-iii"}],"law":[]},{"key":"payout_options","label":"Payout options","section":"Cover","meaning":"Lump sum, monthly income, or a mix for your family.","status":"quote-verified","value":"Death Benefit payout options are Immediate Payout Option, Level Recurring Payout option and Increasing Recurring Payout. Immediate payout is a one-time payout; level recurring pays 10% lump sum plus 6% of Sum Assured on death every year for 15 years, with monthly mode available at 8.22% of annual payments; increasing recurring pays 10% lump sum plus 6% at the end of the first year, increasing by 10% every year for 15 years, with monthly mode available.","display":"Immediate payout, Level Recurring Payout and Increasing Recurring Payout","note":null,"quote":"i) Immediate Payout Option:\nIn case of the death of the Life Insured, the Death Benefit as aforesaid shall be payable as a onetime payout and the Policy stands terminated. ... ii) Level Recurring Payout option:\nIn case of the death of the Life Insured, the Death Benefit as aforesaid shall be payable in the following manner:\na) Lump sum payment of 10% of Sum Assured on death shall be payable to the nominee at the time of claim settlement\nb) 6% of Sum Assured on death shall be payable every year for 15 years ... The monthly payments shall be 8.22% of the annual payments (i.e. 6% of Sum Assured on death). ... iii. Increasing Recurring Payout:\nIn case of death of Life Insured, the Death Benefit as aforesaid shall be payable in the following manner:\na) Lump sum payment of 10% of Sum Assured on Death shall be payable to the nominee at the time of claim settlement\nb) 6% of Sum Assured on death shall be payable at the end of the first year from the date of death, thereafter the payout shall increase by 10% every year (simple interest\nrate). This benefit shall be payable for 15 years.","sources":[{"clause":"1(ii)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-e-term-plan-107n090v02/document/10683#c-1-ii"}],"law":[]},{"key":"terminal_illness","label":"Terminal illness benefit","section":"Cover","meaning":"Whether part of the cover is paid early on diagnosis of a terminal illness.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"increasing_cover","label":"Increasing or life-stage cover","section":"Cover","meaning":"Options to raise cover over time or at marriage or childbirth.","status":"quote-verified","value":"Step-Up Option lets the policyholder increase Basic Sum Assured on specified events without further medical examinations, but it is not available for policies purchased online or under Single or Limited Premium Paying policies. Identified events include marriage, purchase of 1st house, birth or legal adoption of a child, and the 1st, 3rd and 5th policy anniversary; aggregate increase is capped at 200% of original Basic Sum Assured and maximum exercise age is 45 years last birthday.","display":"Step-Up Option for marriage, 1st house, child birth/adoption and 1st, 3rd and 5th policy anniversary; capped at 200% aggregate increase","note":"Step-Up Option must be chosen at inception and requires additional premium and an option fee.","quote":"This option is not available for policies purchased online or under Single or Limited Premium Paying policies. In other words, this option is available only under the Regular Premium Payment Option where the Policyholder will have the option to choose this benefit at inception. By opting for this benefit, Policyholder can increase the Basic Sum Assured on the occurrence of certain identified events mentioned below without undergoing any further medical examinations:\nIdentified Events | Maximum Increase in Basic Sum Assured\nMarriage^(First marriage after commencement of policy) | 50% of original Basic Sum Assured\nPurchase of 1st house after commencement of the policy^ | 50% of original Basic Sum Assured (subject to maximum of loan amount)\nBirth or legal adoption of a child^ (for each child) | 25% of original Basic Sum Assured\nOn the 1st, 3rd and 5th policy anniversary ^ These options need to be exercised within 1 year from date of event. ... revised sum assured is not more than 3 times of the original Basic Sum Assured (that means aggregate increase in Sum Assured under this option is capped at 200% of Original Basic Sum Assured). The maximum option exercise age is capped at 45 years last birthday.","sources":[{"clause":null,"heading":"3. <<STEP-UP OPTION:>>","page":14,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-e-term-plan-107n090v02/document/10683#c-3-step-up-option"}],"law":[]},{"key":"waiver_of_premium","label":"Waiver of premium","section":"Cover","meaning":"Whether future premiums stop on disability or critical illness.","status":"quote-verified","value":"Waiver of Premium on Total and Permanent Disability is available only under Life Secure and not for single premium policies. On accepted Total and Permanent Disability during the premium payment term, future base plan premiums are waived and death cover remains in force to the end of the policy term.","display":"Life Secure only: future base plan premiums waived on Total and Permanent Disability","note":null,"quote":"Waiver of Premium on Total and Permanent Disability:\nKotak e-Term Plan | Page 9 of 38\nThis benefit is applicable only if the Policyholder has chosen the Plan Option as Life Secure. This option is not available for Single Premium paying policies.\nOn Total and Permanent Disability of the Life Insured during the PPT subject to satisfying the conditions mentioned and acceptance of the claim by the Company, future base plan Premiums shall be waived off and the cover on death shall continue to remain in-force till the end of the Policy Term.","sources":[{"clause":"1(II)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-e-term-plan-107n090v02/document/10683#c-1-ii-2"}],"law":[]},{"key":"medicals","label":"Medical tests","section":"Eligibility","meaning":"Whether medical tests are needed, and at what cover.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Kotak e-Term UIN-107N129V04","pages":45,"fetched_at":"2026-10-17 19:46:23+00","source_url":"https://www.kotaklife.com/assets/images/uploads/how_do_i/Kotak_e-Term_UIN_107N129V04_Policy_Document.pdf","url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-e-term-plan-107n090v02/document/10395"},{"kind":"wording","label":"Kotak e-Term Plan (107N090V02) (Withdrawn)","pages":38,"fetched_at":"2026-10-17 20:00:39+00","source_url":"https://www.kotaklife.com/assets/images/uploads/how_do_i/Kotak_e-Term_Policy_Document1.pdf","url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-e-term-plan-107n090v02/document/10683"},{"kind":"wording","label":"Kotak e-Term (107N061V01) (Withdrawn)","pages":10,"fetched_at":"2026-10-17 20:05:43+00","source_url":"https://www.kotaklife.com/assets/images/uploads/how_do_i/Kotak_e-Term_K25.pdf","url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-e-term-plan-107n090v02/document/10800"},{"kind":"cis","label":"Kotak e-Term CIS (English)","pages":6,"fetched_at":"2026-10-17 19:48:51+00","source_url":"https://www.kotaklife.com/assets/images/uploads/how_do_i/Kotak_e-Term_UIN_107N129V04_CIS.pdf","url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-e-term-plan-107n090v02/document/10440"}],"versions":[{"uin":"107N061V01","version":null,"approved_on":null},{"uin":"107N129V04","version":null,"approved_on":null},{"uin":"107N090V02","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Kotak Mahindra Life Insurance official website","url":"https://www.kotaklife.com/","note":"Website as listed by IRDAI. Not checked: the site served a browser challenge to our crawler on 2026-10-19; we do not solve challenges."},{"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":"Kotak e-Term Plan (UIN 107N090V02), IndiaInsurances, https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-e-term-plan-107n090v02"}