{"uin":"107N139V02","name":"Kotak Signature Term Plan Policy Document","url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-signature-term-plan-policy-document-107n139v02","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":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Kotak Signature Term Plan is a non-participating non-linked individual pure risk life insurance product. It pays death benefit as a lump sum and has no maturity benefit, with a Special Exit Benefit available under specified conditions.","analysis":{"state":"machine","analysed_at":"2026-10-20 00:50:46.024364+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"The documents describe the product and premium payment options, but do not name separate plan variants inside the product.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"The policy runs for the Policy Term mentioned in the Schedule. Life cover is provided during that period, subject to the policy being in force, and the Policy Term ends on the Date of Maturity mentioned in the Schedule.","display":"As mentioned in the Schedule; ends on the Date of Maturity","note":null,"quote":"Means the period mentioned in the Schedule as ‘Policy Term’. It is the period during which the life cover is provided to the Life Insured subject to the Policy being in force as per the terms and conditions of Policy. The Policy Term shall end on the Date of Maturity as mentioned in the Schedule.","sources":[{"clause":"25","heading":"Policy Term","page":13,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-signature-term-plan-policy-document-107n139v02/document/10391#c-25"}],"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 insurer 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 Insurer in writing within ninety (90) days from the claim event.","sources":[{"clause":"5(ii)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-signature-term-plan-policy-document-107n139v02/document/10391#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","medical cause of death/ relevant medical 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 number","Claim Intimation Form"],"display":"Death certificate, medical cause/records, accident police and post-mortem papers where applicable, policy document, claimant KYC, bank proof and Claim Intimation Form","note":"The insurer also reserves the right to ask for additional information and documents.","quote":"The primary documents normally required for processing a claim are:\n• Proof of claim event: o In case of a Death Benefit claim the original death certificate and medical cause of death/ relevant medical records are required.\n• Supporting documents: o 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. o Where death occurs due to any car or motor Accident where the Life Insured was the driver, a certified copy of the Life Insured’s driving license to be submitted. o Original Policy Document. o All medical records are required.\n• Claimant related documents: o Current residential proof and photo identity proof of Claimant, as mentioned. o Original cancelled cheque showing name of bank, location of bank branch, name of account holder and account number. In absence of the same, the Claimant can even submit photocopy of bank pass book/ bank statement of beneficiary bearing the aforesaid details duly attested by the concerned bank.\n• Claim Intimation Form:\nFor any claim, one must inform the Insurer by filling the ‘Claim Intimation Form’ with all details.","sources":[{"clause":"5(iv)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-signature-term-plan-policy-document-107n139v02/document/10391#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":"The CIS points to the insurer's website for claim settlement TAT, and the policy only states an advance insta payout condition; it does not state a final claim decision or settlement time in the document.","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 Insured due to suicide within twelve (12) months from the Date of Commencement of Risk under the Policy or from the date of Revival of the Policy as applicable"],"display":"Suicide within twelve (12) months from risk commencement or revival pays only the specified limited amount","note":null,"quote":"In the event of death of the Life Insured due to suicide within twelve (12) months from the Date of Commencement of Risk under the Policy or from the date of Revival of the Policy as applicable, the higher of 80% of the Total Premiums paid plus underwriting extra premium, if any, till the date of death of Life Insured or the Voluntary Termination Value (if any) on the date of death of the Life Insured, shall be payable to the Claimant provided the Policy is in force.","sources":[{"clause":"1","heading":"Suicide Exclusion","page":22,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-signature-term-plan-policy-document-107n139v02/document/10391#c-1-4"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"For grievances, the policyholder may first approach the insurer through a branch, customer service department, toll-free number, or https://kli.in/WECARE. If not satisfied or no response is received within 14 days, the policyholder may contact the insurer's Grievance Redressal Officer.","display":"First approach Kotak Life customer service; escalate to the Grievance Redressal Officer after 14 days/no satisfaction","note":null,"quote":"In case the Policyholder/ complainant has any complaint(s) or grievance(s) against the Insurer, he/ she may approach the Insurer using any of the following modes for resolution:\n• visit any of the Insurer’s nearest branches;\n• write to the Insurer’s customer service department at - Customer Care, Kotak Mahindra Life Insurance Company Limited, 9th floor, Intellion Square (Bldg No. 4), Infinity IT Park, Gen. AK Vaidya Marg, Malad (E), Mumbai-400 097;\n• call the Insurer’s toll free number at 1800 209 8800;\n• write to the Insurer at https://kli.in/WECARE\nEscalation mechanism of the Insurer:\nIn case the Policyholder/ complainant is not satisfied with the decision provided by the above office(s) or has not received any response within 14 days, he/ she may contact the Grievance Redressal Officer","sources":[{"clause":"1","heading":"For resolution of grievances","page":27,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-signature-term-plan-policy-document-107n139v02/document/10391#c-1-5"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_assured","label":"Sum assured","section":"Cover","meaning":"The minimum and maximum life cover, or the rule that sets it (for example 10 times the annual premium).","status":"quote-verified","value":"Basic Sum Assured is the amount mentioned in the Schedule as opted by the Policyholder on inception of the policy and is payable as per the policy terms. The documents provided do not state product-level minimum or maximum Basic Sum Assured.","display":"Basic Sum Assured is the Schedule amount opted at inception","note":"No minimum or maximum cover amount is stated in the provided policy wording or CIS.","quote":"Means the amount mentioned in the Schedule as opted by the Policyholder on Inception of Policy and payable as per the terms and conditions of this Policy Document.","sources":[{"clause":"10","heading":"Basic Sum Assured","page":11,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-signature-term-plan-policy-document-107n139v02/document/10391#c-10"}],"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 premiums are paid up to date or death occurs during the grace period, the death benefit is Sum Assured on Death. For regular and limited premium options it is the higher of Basic Sum Assured, 11 times Annualized Premium, or 105% of Total Premiums paid plus underwriting extra premiums till death; for single premium it is the higher of Basic Sum Assured or 1.25 times the Single Premium paid, payable as a lump sum.","display":"Regular/Limited: higher of Basic Sum Assured, 11 times Annualized Premium, or 105% of Total Premiums paid plus underwriting extra premiums; Single: higher of Basic Sum Assured or 1.25 times Single Premium, paid in lumpsum","note":"If death occurs during the Grace Period, due unpaid premiums till death and, for non-yearly modes, outstanding premiums for the balance of the policy year are deducted.","quote":"If all the due Premiums are paid up to date or during the Grace Period; the Death Benefit payable to the Claimant on death of the Life Insured during the Policy Term shall (depending on the Premium Payment Option) be as follows:\ni) In case of Regular Premium Payment Option and Limited Premium Payment Option:\nThe Death Benefit payable will be Sum Assured on Death, it shall be higher of either\na) or (b) or (c) as follows:\na) Basic Sum Assured; or\nb) 11 times Annualized Premium; or\nc) 105% of Total Premiums paid plus underwriting extra premiums, if any, till the date of death of the Life Insured.\nii. In case of Single Premium Payment Option:\nThe Death Benefit payable will be Sum Assured on Death, it shall be higher of either\na) or (b) as follows:\na) Basic Sum Assured; or\nb) 1.25 times the Single Premium paid. ... The Sum Assured on Death payable as aforesaid shall be payable in lumpsum and the Policy shall thereafter terminate.","sources":[{"clause":"1","heading":"Death Benefit","page":15,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-signature-term-plan-policy-document-107n139v02/document/10391#c-1-2"}],"law":[]},{"key":"maturity_benefit","label":"Maturity benefit","section":"Cover","meaning":"What you get if you survive to the end of the term.","status":"quote-verified","value":"There is no benefit payable under this policy if the Life Insured survives to the Date of Maturity.","display":"No maturity benefit","note":null,"quote":"There is no Benefit payable under this Policy upon survival of the Life Insured to the Date of Maturity.","sources":[{"clause":"2","heading":"Maturity Benefit","page":15,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-signature-term-plan-policy-document-107n139v02/document/10391#c-2-2"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"quote-verified","value":"The Premium Payment Term is the period mentioned in the Schedule during which premiums must be paid. The Schedule format allows Single or a specified number of years.","display":"Single or specified number of years, as in the Schedule","note":null,"quote":"Premium Payment Term: | << Single/__ years>> ... Means the period mentioned in the Schedule as ‘Premium Payment Term’ during which the Policyholder shall pay the Premium(s) to be eligible for the Benefits under the Policy.","sources":[{"clause":null,"heading":"Policy Details","page":7,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-signature-term-plan-policy-document-107n139v02/document/10391#c-policy-details"},{"clause":"29","heading":"Premium Payment Term","page":13,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-signature-term-plan-policy-document-107n139v02/document/10391#c-29"}],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"not-stated","value":null,"display":null,"note":"The documents refer to a Date of Maturity in the Schedule but do not state the maximum maturity age for the product.","quote":null,"sources":[],"law":[]},{"key":"suicide_clause","label":"Suicide clause","section":"Exclusions","meaning":"What is paid if death is by suicide within the first 12 months.","status":"quote-verified","value":"If the Life Insured dies by suicide within twelve (12) months from the Date of Commencement of Risk or from revival, the claimant receives the higher of 80% of Total Premiums paid plus underwriting extra premium till death or the Voluntary Termination Value, if any, on the date of death, provided the policy is in force.","display":"Within twelve (12) months: higher of 80% of Total Premiums paid plus underwriting extra premium or Voluntary Termination Value, if any","note":null,"quote":"In the event of death of the Life Insured due to suicide within twelve (12) months from the Date of Commencement of Risk under the Policy or from the date of Revival of the Policy as applicable, the higher of 80% of the Total Premiums paid plus underwriting extra premium, if any, till the date of death of Life Insured or the Voluntary Termination Value (if any) on the date of death of the Life Insured, shall be payable to the Claimant provided the Policy is in force.","sources":[{"clause":"1","heading":"Suicide Exclusion","page":22,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-signature-term-plan-policy-document-107n139v02/document/10391#c-1-4"}],"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 does not acquire any Voluntary Termination Value under Regular Premium Payment Option. Under Single Premium Payment Option it is acquired once the Single Premium is received, and under Limited Premium Payment Option after payment of all due premiums; the payable value is Factor x sum of Total Premiums paid plus underwriting extra premiums, with Factor = 60% x (Unexpired Policy Term / Policy Term).","display":"Regular: no Voluntary Termination Value; Single: after Single Premium received; Limited: after all due premiums; VTV = Factor x Total Premiums paid plus underwriting extra premiums","note":"The Voluntary Termination Value is paid as a lump sum and the policy terminates. Special Exit Benefit is available only in a five-year window from the policy year when attained age is 60 years or the specified X policy year, whichever is earlier; it is not available for policy terms less than 40 years and no additional premium is required.","quote":"The Policy shall not acquire any Voluntary Termination Value under Regular Premium Payment Option. The Voluntary Termination Value will be acquired under Single Premium Payment Option once the Single Premium has been received; and under Limited Premium Payment Option after payment of all due Premiums.\nIn case the Policyholder does not want to continue and wishes to terminate the Policy, the Voluntary Termination Value payable to the Policyholder under Single Premium Payment Option and Limited Premium Payment Option shall be as stated below:\nVoluntary Termination Value = Factor x sum of Total Premiums paid plus underwriting extra premiums, if any, till date.\nWhere; Factor = 60% x (Unexpired Policy Term#/ Policy Term). ... The Policyholder shall be provided a ‘Special Exit’ benefit pursuant to which, the Total Premiums paid; plus underwriting extra premiums paid,if any, till date, shall be returned to him/ her if the Policyholder terminates his/her Policy.","sources":[{"clause":"3","heading":"Voluntary Termination Value","page":19,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-signature-term-plan-policy-document-107n139v02/document/10391#c-3-3"}],"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":"Reduced paid-up is not applicable for this product. For limited and regular pay, if a lapsed policy is not revived, all premiums paid stand forfeited and no benefits are payable.","display":"Reduced Paid-Up: Not applicable","note":null,"quote":"• Reduced Paid-Up: Not applicable for this product ... If the Policy is Lapsed and not revived subsequently as per the terms and conditions for Revival as stated in the Policy Document, all the Premiums paid under the Policy shall stand forfeited and no benefits shall be payable under the Policy.","sources":[{"clause":null,"heading":"CUSTOMER INFORMATION SHEET / KNOW YOUR POLICY","page":1,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-signature-term-plan-policy-document-107n139v02/document/10436#c-customer-information-sheet-know-your-policy"},{"clause":"1","heading":"Lapse","page":18,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-signature-term-plan-policy-document-107n139v02/document/10391#c-1-3"}],"law":[]},{"key":"revival","label":"Revival period","section":"Renewal and rights","meaning":"How long after lapsing you can restart the policy.","status":"quote-verified","value":"A lapsed policy can be revived within five (5) years from the due date of the first unpaid premium and before the Date of Maturity, by written physical or electronic application, subject to insurer approval, evidence of continued insurability, payment of outstanding premiums, taxes and interest.","display":"Within five (5) years from the due date of the first unpaid Premium and before Date of Maturity","note":"Revival is not applicable for Single Premium Payment Option. Rider(s) cannot be revived independently and can only be revived with the base plan.","quote":"The Policyholder can revive a Lapsed Policy (with or without Riders) by making a written (physical or electronic) application to the Insurer to that effect; within a period of five (5) years from the due date of the first unpaid Premium and before the Date of Maturity of the Policy. ... The Policyholderat his/ her own cost, provides the Insurer with evidence of continued insurability of the Life Insured (such as recent/ fresh medical, financial or other evidence/ declaration of good health of the Life Insured) that is acceptable to the Insurer; and ... Payment of the outstanding Premiums along with the applicable taxes, cesses and levies (if any); plus, interest charge (currently 9% per annum simple interest of outstanding Premiums)","sources":[{"clause":"2","heading":"Revival","page":18,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-signature-term-plan-policy-document-107n139v02/document/10391#c-2-3"},{"clause":"2(i)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-signature-term-plan-policy-document-107n139v02/document/10391#c-2-i"},{"clause":"2(ii)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-signature-term-plan-policy-document-107n139v02/document/10391#c-2-ii"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.1 and 40.1.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.4","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.7","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.28","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.39","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"policy_loan","label":"Policy loan","section":"Renewal and rights","meaning":"Whether you can borrow against the policy.","status":"quote-verified","value":"Loans are not allowed under this policy.","display":"Loans not allowed","note":null,"quote":"Loans under this Policy are not allowed.","sources":[{"clause":"4","heading":"Loans","page":20,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-signature-term-plan-policy-document-107n139v02/document/10391#c-4-3"}],"law":[]},{"key":"riders_available","label":"Riders available","section":"Cover","meaning":"Optional add-ons such as accidental death, critical illness or waiver of premium.","status":"quote-verified","value":["Kotak Permanent Disability Benefit Rider (UIN: 107B002V03)","Kotak Critical Illness Plus Benefit Rider (UIN: 107B020V02)","Kotak Accidental Death Benefit Rider (UIN: 107B001V04)"],"display":"Kotak Permanent Disability Benefit Rider, Kotak Critical Illness Plus Benefit Rider and Kotak Accidental Death Benefit Rider","note":"Riders are optional and require their respective premiums.","quote":"The Policyholder may opt for any of the following “Riders” (either at inception of Policy or during the Policy Term) by paying their respective premiums with Goods & Services Tax and cess as applicable; subject to the terms and conditions applicable to each such Rider:\n• Kotak Permanent Disability Benefit Rider (UIN: 107B002V03)\n• Kotak Critical Illness Plus Benefit Rider (UIN: 107B020V02)\n• Kotak Accidental Death Benefit Rider (UIN: 107B001V04)","sources":[{"clause":"3","heading":"Rider Benefit","page":15,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-signature-term-plan-policy-document-107n139v02/document/10391#c-3-2"}],"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 questioned on fraud, or on material misstatement or suppression, with written communication of the grounds and materials.","display":"Cannot be called in question after 3 years; within 3 years for fraud or material misstatement/suppression with written grounds","note":null,"quote":"No Policy of Life Insurance shall be called in question on any ground whatsoever after expiry of 3 years from\na) the date of issuance of policy or\nb) the date of commencement of risk or\nc) the date of revival of policy or\nd) the date of rider to the policy whichever is later. ... On the ground of fraud, a policy of Life Insurance may be called in question within 3 years from ... For this, 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 statement of or suppression of a fact material to expectancy of life of the insured was incorrectly made in the proposal or other document basis which policy was issued or revived or rider issued.","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-signature-term-plan-policy-document-107n139v02/document/10391#c-01-3"},{"clause":"02","heading":null,"page":36,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-signature-term-plan-policy-document-107n139v02/document/10391#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-signature-term-plan-policy-document-107n139v02/document/10391#c-06-3"}],"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":"quote-verified","value":"The document says the policy is subject to tax laws and tax deducted at source at applicable rates, and advises the policyholder to consult a tax advisor for tax benefits available under the policy.","display":"Consult tax advisor for tax benefits; policy subject to tax laws and TDS","note":null,"quote":"This Policy is subject to the Tax Laws*, as amended from time to time, and other legislations prevailing in India. ... Tax Deducted at Source:\nThis Policy is subject to tax deducted at source at the applicable rates, in accordance with the prevailing Tax Laws. ... The Policyholder is advised to consult his/ her tax advisor for the tax benefits available under this Policy.","sources":[{"clause":"10(v)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-signature-term-plan-policy-document-107n139v02/document/10391#c-10-v"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Applies except for policies having a Policy Term of less than a year; refund is after deductions stated in the policy.","quote":"The Policyholder is offered a 30 days’ free look period to review the terms and conditions of the Policy (except for policies having a Policy Term of less than a year) beginning from the date of receiving the Policy Document in electronic form.","sources":[{"clause":"5","heading":"Free Look Provision","page":20,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-signature-term-plan-policy-document-107n139v02/document/10391#c-5-3"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"15 days for Monthly Premium Payment Mode. Grace Period is not applicable for Single Premium Payment Option.","quote":"Means the time granted by the Insurer i.e. 30 days from the due date for the payment of Premium for Yearly, Half-Yearly and Quarterly Premium Payment Mode and 15 days for Monthly Premium Payment 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":"15","heading":"Grace Period","page":12,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-signature-term-plan-policy-document-107n139v02/document/10391#c-15"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"not-stated","value":null,"display":null,"note":"The documents contain only policy-specific age placeholders in the Schedule and do not state the product's minimum and maximum entry ages.","quote":null,"sources":[],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["Single","Yearly","Half-Yearly","Quarterly","Monthly"],"display":"Single, Yearly, Half-Yearly, Quarterly, Monthly","note":null,"quote":"Premium Payment Mode: | <<Single/ Yearly/ Half-Yearly/ Quarterly/ Monthly>>","sources":[{"clause":null,"heading":"Policy Details","page":7,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-signature-term-plan-policy-document-107n139v02/document/10391#c-policy-details"}],"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","Regular","Limited"],"display":"Single, Regular, Limited","note":null,"quote":"Premium Payment Option: | <<Single/ Regular/ Limited>> ... When the Premium Payment Term is less than the Policy Term, it shall mean Limited Premium Payment Option; and when the Premium Payment Term is the same as Policy Term, it shall mean Regular Premium Payment Option.\nSingle Premium Payment Option is when the Single Premium is paid once at the Inception of Policy.","sources":[{"clause":null,"heading":"Policy Details","page":7,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-signature-term-plan-policy-document-107n139v02/document/10391#c-policy-details"},{"clause":"28","heading":"Premium Payment Option","page":13,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-signature-term-plan-policy-document-107n139v02/document/10391#c-28"}],"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":"There is no return-of-premium maturity benefit because no benefit is payable on survival to maturity. Separately, the policy has a Special Exit Benefit under which Total Premiums paid plus underwriting extra premiums paid, if any, are returned if the policyholder terminates the policy during the specified window.","display":"No maturity return of premium; Special Exit Benefit may return premiums on specified early termination","note":"Special Exit Benefit is not available for a policy having Policy Term less than 40 years, applies only to the base policy, and no additional premium is required.","quote":"There is no Benefit payable under this Policy upon survival of the Life Insured to the Date of Maturity. ... Special Exit Benefit:\nThe Policyholder shall be provided a ‘Special Exit’ benefit pursuant to which, the Total Premiums paid; plus underwriting extra premiums paid,if any, till date, shall be returned to him/ her if the Policyholder terminates his/her Policy.","sources":[{"clause":"2","heading":"Maturity Benefit","page":15,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-signature-term-plan-policy-document-107n139v02/document/10391#c-2-2"},{"clause":"3","heading":"Voluntary Termination Value","page":19,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-signature-term-plan-policy-document-107n139v02/document/10391#c-3-3"}],"law":[]},{"key":"payout_options","label":"Payout options","section":"Cover","meaning":"Lump sum, monthly income, or a mix for your family.","status":"quote-verified","value":"The Sum Assured on Death is payable as a lump sum and the policy then terminates.","display":"Lump sum","note":null,"quote":"The Sum Assured on Death payable as aforesaid shall be payable in lumpsum and the Policy shall thereafter terminate.","sources":[{"clause":"1","heading":"Death Benefit","page":15,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-signature-term-plan-policy-document-107n139v02/document/10391#c-1-2"}],"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":"The policy wording and CIS do not state an accelerated terminal illness benefit.","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":"Major alterations such as change in Basic Sum Assured, Policy Term, and Premium Payment Term are not allowed under the policy.","display":"No change in Basic Sum Assured, Policy Term or Premium Payment Term allowed","note":"The documents do not state a separate life-stage increase option.","quote":"Major alterations such as change in Basic Sum Assured, Policy Term, Premium Payment Term etc. are not allowed under the Policy.","sources":[{"clause":"7","heading":"Policy Alteration","page":24,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-signature-term-plan-policy-document-107n139v02/document/10391#c-7-2"}],"law":[]},{"key":"waiver_of_premium","label":"Waiver of premium","section":"Cover","meaning":"Whether future premiums stop on disability or critical illness.","status":"not-stated","value":null,"display":null,"note":"The base policy documents do not state that future premiums are waived on disability or critical illness. Optional riders are listed separately, but their rider wording is not part of the base cover answers.","quote":null,"sources":[],"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":"The documents mention medical examination expenses in the free-look refund and medical evidence for revival, but do not state whether medical tests are required at purchase or at what cover amount.","quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Kotak Signature Term Plan UIN 107N139V02 Policy Document","pages":37,"fetched_at":"2026-10-17 19:46:09+00","source_url":"https://www.kotaklife.com/assets/images/uploads/how_do_i/Kotak_Signature_Term_Plan_UIN_107N139V02_Policy_Document.pdf","url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-signature-term-plan-policy-document-107n139v02/document/10391"},{"kind":"cis","label":"Kotak Signature Term Plan CIS (English)","pages":4,"fetched_at":"2026-10-17 19:48:39+00","source_url":"https://www.kotaklife.com/assets/images/uploads/how_do_i/Kotak_Signature_Term_Plan_UIN_107N139V02_CIS.pdf","url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-signature-term-plan-policy-document-107n139v02/document/10436"}],"versions":[],"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 Signature Term Plan Policy Document (UIN 107N139V02), IndiaInsurances, https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-signature-term-plan-policy-document-107n139v02"}