{"uin":"107N142V01","name":"Kotak Loan Protect Cover","url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-loan-protect-cover-107n142v01","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":"group-life","category_name":"Group and credit life","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Kotak Loan Protect Cover is a non-participating, non-linked group life pure risk loan protection product with single premium and cover based on outstanding loan amount multiplied by the benefit multiplier. It pays the insured benefit in lump sum on death, or earlier terminal illness, critical illness or accidental total and permanent disability if that option is chosen, and has no maturity benefit.","analysis":{"state":"machine","analysed_at":"2026-10-20 00:51:10.898875+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":["Kotak Loan Protect Cover"],"display":"Kotak Loan Protect Cover","note":null,"quote":"Plan Name | Kotak Loan Protect Cover","sources":[{"clause":"2(a)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-loan-protect-cover-107n142v01/document/10468#c-2-a"}],"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":"Cover tenure is 12-58 months or 1-29 years. Loan tenure shown is 24-59 months or 5-30 years.","display":"Cover tenure 12-58 months or 1-29 years","note":"From the sales brochure; the policy schedule says Cover Term is as per COI issued to the individual Member.","quote":"Loan Tenure | 24-59 | 5-30\nLoan Tenure\nCover Tenure | 12-58 | 1-29\nCover Tenure","sources":[{"clause":null,"heading":"Eligibility","page":6,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-loan-protect-cover-107n142v01/document/10825#c-eligibility"}],"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":"Death claims must be notified in writing within 3 months from the date of death. For Critical Illness, the Member should notify the insurer within 90 days from the date of diagnosis.","display":"Death: within 3 months from death; Critical Illness: within 90 days from diagnosis","note":null,"quote":"All death claims must be notified to the Insurer in writing within 3 months from the date of the death ... The Member should notify the Insurer within 90 days from the date of diagnosis of Critical Illness","sources":[{"clause":"6","heading":"Claims","page":30,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-loan-protect-cover-107n142v01/document/10468#c-6-3"},{"clause":"1(a)(iii)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-loan-protect-cover-107n142v01/document/10468#c-1-a-iii"}],"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":["Intimation of the claim event (i.e. death) vide duly filled in claim form","A copy of death certificate issued by the municipal authority","Proof of age of the Life Insured","Proof of membership under the Policy","Last attending doctor’s certificate stating the exact cause of death and all the associated medical documents","A certified copy of the FIR filed with the police authorities","A certified copy of the post mortem report/autopsy report","A certified copy of final police report and viscera report, if applicable","Proof of identity of the Nominee, duly certified by the Policyholder","Member authorization form as per prescribed format","Original cancelled cheque of the Nominee’s bank account","Guardian details for minor Nominee"],"display":"Death claim form, death certificate, age proof, membership proof, doctor’s certificate and medical documents, accident/unnatural death police papers, nominee identity proof, member authorization, bank proof and guardian details for minor nominee","note":"For Terminal Illness, Critical Illness or Accidental Total and Permanent Disability claims, the insurer may call for relevant documents.","quote":"The primary documents normally required for processing a death claim are:\n• Intimation of the claim event (i.e. death) vide duly filled in claim form in the Insurer’s format stamped and signed by the authorised representative of the Policyholder\n• A copy of death certificate issued by the municipal authority,\n• Proof of age of the Life Insured\n• Proof of membership under the Policy\n• Last attending doctor’s certificate stating the exact cause of death and all the associated medical documents ... If the death is due to an accident or any other unnatural cause, the following shall be required: − A certified copy of the FIR filed with the police authorities − A certified copy of the post mortem report/autopsy report − A certified copy of final police report and viscera report, if applicable ... • Proof of identity of the Nominee, duly certified by the Policyholder\n• Member authorization form as per prescribed format.\n• Original cancelled cheque of the Nominee’s bank account showing name of bank, location of bank branch, name of account holder and account no. in absence of the same the client can even submit photocopy of bank pass book/bank statement of Beneficiary bearing the referred details duly attested by the concerned bank.\n• Guardian details for minor Nominee","sources":[{"clause":"6","heading":"Claims","page":30,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-loan-protect-cover-107n142v01/document/10468#c-6-3"}],"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":"quote-verified","value":"The CIS states that claim requirements are raised within 15 days from claim intimation, death claim settlement or repudiation is within 30 days from investigation closure or last document received date, and death claim investigation is within 90 days from claim intimation.","display":"Requirements: 15 days from claim intimation; settlement/repudiation: 30 days from investigation closure or last document; investigation: 90 days from claim intimation","note":"Stated in the CIS; the policy wording lists claim procedure but not these TATs.","quote":"i. Raising claim requirements after lodging the claim: 15 days from date of claim intimation ii. Death claim settlement/repudiation: 30 days from investigation closure / last document received date iii. Death claim investigation: 90 days from the date of claim intimation","sources":[{"clause":null,"heading":"Exclusions under Accidental Total and Permanent","page":5,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-loan-protect-cover-107n142v01/document/10715#c-exclusions-under-accidental-total-and-permanent"}],"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","Terminal illness arising from self-inflicted injuries or attempted suicide within the one year from the inception of Member Cover/ date of revival of Member Cover, whichever is later","within 90 days (during the waiting period)","Pre-Existing condition","Intentional or self-inflicted injury or attempted suicide","Alcohol or Solvent abuse or taking of Drugs, narcotics or psychotropic substances","War, invasion, act of foreign enemy, hostilities","Taking part in any naval, military or air force operation during peace time","Participation in any flying activity","Participation in a criminal or unlawful act","professional sport(s) or any hazardous pursuits","Any congenital anomaly","Nuclear Contamination","Self-inflicted injury, suicide or attempted suicide","Nuclear fusion, nuclear fission, nuclear waste or any radioactive or ionising radiation"],"display":"Suicide within 12 months; terminal illness from self-inflicted injuries or attempted suicide; critical illness waiting period, pre-existing condition, self-inflicted injury, alcohol/drugs, war, military operations, flying, criminal acts, hazardous sports, congenital anomaly and nuclear contamination; ATPD self-inflicted injury/suicide and nuclear radiation exclusions","note":"Some exclusions apply only to Terminal Illness, Critical Illness or Accidental Total and Permanent Disability benefits, as applicable to the option chosen.","quote":"In case of death due to suicide within 12 months from the date of commencement of risk under the policy ... Terminal illness arising from self-inflicted injuries or attempted suicide within the one year from the inception of Member Cover/ date of revival of Member Cover, whichever is later. ... within 90 days (during the waiting period) ... • Pre-Existing condition ... • Intentional or self-inflicted injury or attempted suicide.\n• Alcohol or Solvent abuse or taking of Drugs, narcotics or psychotropic substances ... • War, invasion, act of foreign enemy, hostilities ... • Taking part in any naval, military or air force operation during peace time.\n• Participation in any flying activity ... • Participation in a criminal or unlawful act..\n• Engaging in or taking part in professional sport(s) or any hazardous pursuits ... • Any congenital anomaly ... • Nuclear Contamination ... • Self-inflicted injury, suicide or attempted suicide ... • Nuclear fusion, nuclear fission, nuclear waste or any radioactive or ionising radiation","sources":[{"clause":"1","heading":"Suicide Exclusion","page":28,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-loan-protect-cover-107n142v01/document/10468#c-1-5"},{"clause":"1(a)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-loan-protect-cover-107n142v01/document/10468#c-1-a"},{"clause":"1(a)(iii)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-loan-protect-cover-107n142v01/document/10468#c-1-a-iii"},{"clause":null,"heading":"D. Benefits available under Life Cover Plus Accelerated Accidental Disability","page":19,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-loan-protect-cover-107n142v01/document/10468#c-d-benefits-available-under-life-cover-plus-accel"}],"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 the insurer by branch, customer service department, toll-free number or email. If not satisfied or no response is received within 14 days, contact the Grievance Redressal Officer.","display":"First complain to Kotak Life customer service; escalate to the Grievance Redressal Officer after 14 days or if not satisfied","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: ... In 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 of the Insurer","sources":[{"clause":"1","heading":"For resolution of grievances","page":35,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-loan-protect-cover-107n142v01/document/10468#c-1-6"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_assured","label":"Sum assured","section":"Cover","meaning":"The minimum and maximum life cover, or the rule that sets it (for example 10 times the annual premium).","status":"quote-verified","value":"Sum Assured means the initial loan amount at the inception of the cover. The cover or insured benefit is calculated as Outstanding Loan Amount x Benefit Multiplier, and the Benefit Multiplier can be 100%, 110% or 120%.","display":"Initial loan amount at inception; Cover / Insured Benefit = Outstanding Loan Amount x Benefit Multiplier, with multiplier 100%, 110% or 120%","note":null,"quote":"Benefit Multiplier: Means the option available with the Member to choose the Insured benefit equal to 100%, 110% or 120% of the Outstanding Loan Amount ... Cover / Insured Benefit = Outstanding Loan Amount x Benefit Multiplier ... Sum Assured: Means the initial loan amount at the inception of the Cover.","sources":[{"clause":null,"heading":"DEFINITIONS","page":7,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-loan-protect-cover-107n142v01/document/10468#c-definitions"},{"clause":"17(iii)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-loan-protect-cover-107n142v01/document/10468#c-17-iii-2"}],"law":[]},{"key":"death_benefit","label":"Death benefit","section":"Cover","meaning":"What your family gets if you die during the term, and how it is calculated.","status":"quote-verified","value":"On death of the Member during the Cover Term while the cover is in force, the Insured Benefit is payable in lump sum and the cover ceases. If there is a valid assignment to a financial institution and required consents, payment may be made to the Policyholder to the extent of the outstanding loan amount.","display":"Insured Benefit payable in lump sum on death during Cover Term; cover ceases","note":"For accelerated benefit options, the same insured benefit may be paid on the earlier covered event, after which the cover ceases.","quote":"Upon death of the Member during the Cover Term while the Cover for the concerned Member is In Force, Insured Benefit shall be payable. This benefit shall be payable in lump sum, and the Cover shall cease. ... the payment of insured benefits may be made to the Policyholder to the extent of outstanding loan amount as on the date of Contingent Event","sources":[{"clause":"1(i)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-loan-protect-cover-107n142v01/document/10468#c-1-i"},{"clause":"1(a)(iv)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-loan-protect-cover-107n142v01/document/10468#c-1-a-iv"}],"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 maturity benefit is available under the policy.","display":"No maturity benefit","note":null,"quote":"No maturity benefit is available under the Policy","sources":[{"clause":"1","heading":"BENEFITS PAYABLE","page":16,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-loan-protect-cover-107n142v01/document/10468#c-1-3"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"quote-verified","value":"Premium Payment Term is Single.","display":"Single","note":null,"quote":"Premium Payment Term | Single","sources":[{"clause":"2(a)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-loan-protect-cover-107n142v01/document/10468#c-2-a"}],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"quote-verified","value":"Maximum maturity age is 75 years.","display":"75 Years","note":"From the sales brochure.","quote":"Maximum Maturity | 75 Years\nAge (last birthday)","sources":[{"clause":null,"heading":"Eligibility","page":6,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-loan-protect-cover-107n142v01/document/10825#c-eligibility"}],"law":[]},{"key":"suicide_clause","label":"Suicide clause","section":"Exclusions","meaning":"What is paid if death is by suicide within the first 12 months.","status":"quote-verified","value":"If death is due to suicide within 12 months from the date of commencement of risk, the nominee or beneficiary is entitled to 80% of the Single premium paid or the surrender value available on the date of death, whichever is higher, provided the policy is in force.","display":"Within 12 months: 80% of Single premium paid or surrender value on death date, whichever is higher","note":"Single Premium is the premium paid excluding extra premium, rider premium and taxes.","quote":"In case of death due to suicide within 12 months from the date of commencement of risk under the policy, as applicable, the nominee or beneficiary appointed under the policyholder shall be entitled to 80% of the Single premium paid or the surrender value available as on the date of death whichever is higher, provided the policy is In Force.","sources":[{"clause":"1","heading":"Suicide Exclusion","page":28,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-loan-protect-cover-107n142v01/document/10468#c-1-5"}],"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":"Single premium covers acquire surrender value immediately after payment of Single Premium. The formula is 30% of Single Premium for cover term less than or equal to 59 months, or 60% of Single Premium for cover term greater than or equal to 5 years, with adjustments for outstanding cover term, cover term and outstanding loan amount; upon surrender the cover terminates.","display":"Immediate surrender value after Single Premium: 30% formula for cover term <=59 months; 60% formula for cover term >=5 years","note":null,"quote":"Single Premium paying policies will acquire Surrender Value immediately after the payment of Single Premium ... having a Cover Term of less than or equal to 59 months shall be calculated as; 30% * Single Premium * (Outstanding cover term/ Cover Term) * [(Cover Term – 1)/ Cover Term] * (Outstanding Loan amount/ Initial loan amount). ... having a Cover Term of greater than or equal to 5 years shall be calculated as; 60% * Single Premium * (Outstanding Cover Term/ Cover Term) * [(Cover Term – 1)/ Cover Term] * (Outstanding loan amount/ Initial loan amount). ... Upon Surrender, no benefits shall be available under the Policy and the Cover shall stand terminated.","sources":[{"clause":"3","heading":"Surrender","page":23,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-loan-protect-cover-107n142v01/document/10468#c-3-2"},{"clause":"3(i)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-loan-protect-cover-107n142v01/document/10468#c-3-i"},{"clause":"3(ii)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-loan-protect-cover-107n142v01/document/10468#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":"The policy does not acquire any Paid-Up Value.","display":"No paid-up value","note":null,"quote":"The Policy does not acquire any Paid-Up Value.","sources":[{"clause":"4","heading":"Paid-Up Value","page":24,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-loan-protect-cover-107n142v01/document/10468#c-4-2"}],"law":[]},{"key":"revival","label":"Revival period","section":"Renewal and rights","meaning":"How long after lapsing you can restart the policy.","status":"quote-verified","value":"Revival is not applicable for the policy.","display":"Not applicable","note":null,"quote":"Revival is not applicable for the policy.","sources":[{"clause":"2","heading":"Revival","page":23,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-loan-protect-cover-107n142v01/document/10468#c-2-4"}],"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 available under the policy.","display":"No policy loans","note":null,"quote":"Loans are not available under the Policy.","sources":[{"clause":"5","heading":"Loans","page":24,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-loan-protect-cover-107n142v01/document/10468#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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"section45","label":"Claims after 3 years (Section 45)","section":"Claims","meaning":"After 3 years a life policy cannot be questioned on any ground, and only for fraud with proof before that.","status":"quote-verified","value":"After expiry of 3 years, no life insurance policy can be called in question on any ground. Within 3 years, it may be called in question on fraud or material misstatement grounds, with written communication of the grounds and materials.","display":"After 3 years, no questioning on any ground; within 3 years, fraud or material misstatement grounds with written grounds/materials","note":null,"quote":"No Policy of Life Insurance shall be called in question on any ground whatsoever after expiry of 3 yrs ... On the ground of fraud, a Policy of Life Insurance may be called in question within 3 years ... 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","sources":[{"clause":"01","heading":"No Policy of Life Insurance shall be called in question on any ground whatsoever","page":49,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-loan-protect-cover-107n142v01/document/10468#c-01-3"},{"clause":"02","heading":"On the ground of fraud, a Policy of Life Insurance may be called in question within","page":49,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-loan-protect-cover-107n142v01/document/10468#c-02-3"},{"clause":"06","heading":"Life insurance Policy can be called in question within 3 years on the ground that","page":50,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-loan-protect-cover-107n142v01/document/10468#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":"not-stated","value":null,"display":null,"note":"The policy mentions tax laws, TDS and collection of taxes, but 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":30},"display":"30 days","note":"The free look period for the Policy is available to the Policyholder, and for the COI to the concerned Member.","quote":"The Policyholder is offered a 30 days’ free look period to review the terms and conditions of the Policy beginning from the date of receiving the Policy Document in electronic form.","sources":[{"clause":"10","heading":"Free Look Period","page":26,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-loan-protect-cover-107n142v01/document/10468#c-10-2"}],"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":"not-applicable","value":null,"display":null,"note":"Single premium cover; there are no future premium instalments for a missed-due-date grace period.","quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"For the Life Cover Option, entry age is 15 to 73 years for education loan and 18 to 73 years for other types of loans. For other plan options, entry age is 18 to 70 years.","display":"Life Cover: 15-73 years for education loan, 18-73 years for other loans; other plan options: 18-70 years","note":"From the sales brochure.","quote":"Age at Entry (last birthday) | Life Cover Option\nFor Education loan: | 15 Years to\n73 Years For other types of loans: 18 Years to 73 Years Other Plan 18 Years to 70 Years Options","sources":[{"clause":null,"heading":"Eligibility","page":6,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-loan-protect-cover-107n142v01/document/10825#c-eligibility"}],"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"],"display":"Single","note":null,"quote":"Mode of Premium Payment: Single","sources":[{"clause":"2","heading":"PREMIUMS PAYABLE","page":21,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-loan-protect-cover-107n142v01/document/10468#c-2-3"}],"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 premium"],"display":"Single premium","note":null,"quote":"The Policyholder/ Member must pay in advance a single premium for a Member, before Cover can commence for that Member.","sources":[{"clause":"2","heading":"PREMIUMS PAYABLE","page":21,"url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-loan-protect-cover-107n142v01/document/10468#c-2-3"}],"law":[]},{"key":"cover_basis","label":"Cover basis","section":"Cover","meaning":"Flat cover, salary multiple or loan outstanding.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Kotak Loan Protect Cover - UIN - 107N142V01","pages":50,"fetched_at":"2026-10-17 19:50:05+00","source_url":"https://www.kotaklife.com/assets/images/uploads/how_do_i/Kotak_Loan_Protect_Cover_UIN_107N142V01_Policy_Document1.pdf","url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-loan-protect-cover-107n142v01/document/10468"},{"kind":"cis","label":"Kotak Loan Protect Cover CIS (English)","pages":8,"fetched_at":"2026-10-17 20:02:13+00","source_url":"https://www.kotaklife.com/assets/images/uploads/how_do_i/Kotak_Loan_Protect_Cover_UIN_107N142V01_CIS_MPH1.pdf","url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-loan-protect-cover-107n142v01/document/10715"},{"kind":"brochure","label":"Kotak Loan Protect Cover UIN 107N142V01 Brochure1","pages":25,"fetched_at":"2026-10-17 20:07:05+00","source_url":"https://www.kotaklife.com/assets/images/uploads/insurance-plans/Kotak_Loan_Protect_Cover_UIN_107N142V01_Brochure1.pdf","url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-loan-protect-cover-107n142v01/document/10825"},{"kind":"proposal","label":"Kotak Loan Protect Cover_107N142V01","pages":null,"fetched_at":"2026-10-17 19:46:03+00","source_url":"https://www.kotaklife.com/assets/images/uploads/how_do_i/Kotak-Loan-Protect-Cover-107N142V01.pdf","url":"https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-loan-protect-cover-107n142v01/document/30278"}],"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 Loan Protect Cover (UIN 107N142V01), IndiaInsurances, https://indiainsurances.com/policy/kotak-mahindra-life-insurance/kotak-loan-protect-cover-107n142v01"}