{"uin":"109L154V01","name":"ABSLI Group Capital Enhancement Plan","url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-group-capital-enhancement-plan-109l154v01","insurer":{"slug":"aditya-birla-sunlife-insurance","name":"Aditya Birla SunLife Insurance Company Limited","url":"https://indiainsurances.com/insurer/aditya-birla-sunlife-insurance"},"line":"life","category":"ulip","category_name":"ULIPs (unit-linked plans)","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"ABSLI Group Capital Enhancement Plan is a non-participating group unit linked life policy with benefits based on the scheme rules or member fund value. It is a single premium policy with no maturity or survival benefit, no premium allocation charge, unlimited fund switches, and no partial withdrawals.","analysis":{"state":"machine","analysed_at":"2026-10-20 03:42:42.972962+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":"No named plan variants are stated; the policy discusses scheme types.","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":"not-stated","value":null,"display":null,"note":"The policy refers to policy renewal dates, but does not state the policy term.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"not-stated","value":null,"display":null,"note":"The policy says to notify the claim with proof of claim, but does not print a deadline.","quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Inforce Certificate of Insurance (if applicable)","Claimant’s statement","Death Certificate (only in the case of the death of the life insured)","Medical Attendant’s Certificate","Employer’s Certificate, if applicable","Discharge Summary duly attested by the policyholder","Copies of Medical Reports of last and previous hospitalizations, if any","For accident cases – First Information Report, Post Mortem Report and Police Inquest Form","any other relevant information/ document as may be required by us depending on the circumstances of the death or illness"],"display":"Death benefit claim documents include claimant’s statement, death certificate, medical attendant’s certificate, employer’s certificate if applicable, discharge summary, medical reports, accident records, and any other relevant information/document required.","note":"Documents are required as may be relevant; the listed documents are under the Death Benefit heading.","quote":"For processing a claim (be it on vesting or death) under this policy the following documents are required as may be relevant:\nFor Death Benefit:\n• Inforce Certificate of Insurance (if applicable)\n• Claimant’s statement\n• Death Certificate (only in the case of the death of the life insured)\n• Medical Attendant’s Certificate\n• Employer’s Certificate, if applicable\n• Discharge Summary duly attested by the policyholder\n• Copies of Medical Reports of last and previous hospitalizations, if any\n• For accident cases – First Information Report, Post Mortem Report and Police Inquest Form You shall also provide us with any other relevant information/ document as may be required by us depending on the circumstances of the death or illness.","sources":[{"clause":"4","heading":"Claim Procedures","page":14,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-group-capital-enhancement-plan-109l154v01/document/18616#c-4-5"}],"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 policy points to a service TAT webpage but does not print a claim settlement time.","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":["No Sum Assured will be paid for Superannuation Scheme","There will be no Benefit payable on maturity","There will be no Benefit payable on the survival of the Scheme Member","Under no circumstance, we are liable to meet the Scheme‘s financial obligations towards the Scheme Members"],"display":"No sum assured for superannuation schemes; no maturity benefit; no survival benefit; the insurer does not meet the scheme’s financial obligations towards scheme members.","note":null,"quote":"Under no circumstance, we are liable to meet the Scheme‘s financial obligations towards the Scheme Members. ... No Sum Assured will be paid for Superannuation Scheme. ... There will be no Benefit payable on maturity. ... There will be no Benefit payable on the survival of the Scheme Member.","sources":[{"clause":"1","heading":"Benefits","page":4,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-group-capital-enhancement-plan-109l154v01/document/18616#c-1-2"},{"clause":"2","heading":"Benefits on Maturity","page":4,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-group-capital-enhancement-plan-109l154v01/document/18616#c-2-2"},{"clause":"4","heading":"Survival Benefit","page":4,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-group-capital-enhancement-plan-109l154v01/document/18616#c-4-2"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First register the grievance with the Grievance Officer at the Customer Care Unit of Aditya Birla Sun Life Insurance Company Ltd. If dissatisfied with that decision or if there is no response within 07 days, contact Head Service Assurance; if still not satisfied or no response within 14 days, approach the IRDAI grievance cell.","display":"Grievance Officer first; then Head Service Assurance after 07 days; then IRDAI if no satisfactory response within 14 days.","note":null,"quote":"You may register your grievance or complaint with our Grievance Officer at Customer Care Unit / Aditya Birla Sun Life Insurance Company Ltd. ... In case You are dissatisfied with the decision of the above office or have not received any response within 07 days, You may contact Head Service Assurance ... If you are not satisfied with the response or do not receive a response from us within 14 days, you may approach the Grievance Cell of the Insurance Regulatory and Development Authority of India (IRDAI)","sources":[{"clause":null,"heading":"Grievance or Complaint","page":17,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-group-capital-enhancement-plan-109l154v01/document/18616#c-grievance-or-complaint"}],"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 is a one-time pre-defined amount mentioned in the Policy Schedule and payable on death of the Scheme Member. No Sum Assured will be paid for Superannuation Scheme.","display":"Pre-defined amount in the Policy Schedule; no Sum Assured for Superannuation Scheme.","note":"The policy wording does not print a minimum or maximum sum assured.","quote":"“Sum Assured” means the one-time pre-defined amount as mentioned in the Policy Schedule which is payable on death of the Scheme Member. ... No Sum Assured will be paid for Superannuation Scheme.","sources":[{"clause":"25","heading":"“Sum Assured”","page":3,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-group-capital-enhancement-plan-109l154v01/document/18616#c-25"},{"clause":"1","heading":"Benefits","page":4,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-group-capital-enhancement-plan-109l154v01/document/18616#c-1-2"}],"law":[]},{"key":"death_benefit","label":"Death benefit","section":"Cover","meaning":"What your family gets if you die during the term, and how it is calculated.","status":"quote-verified","value":"For Defined Benefit Schemes, death benefit is calculated according to scheme rules and paid by cancelling units at current NAV, up to available funds in the policy on the payable day. For Defined Contribution Schemes, the member's fund value is paid; additionally, Rs. 10,000 is paid for Non-Superannuation Schemes, and no Sum Assured is paid for Superannuation Scheme.","display":"Defined Benefit: scheme-rules amount by cancelling units at current NAV up to available funds; Defined Contribution: member's fund value; plus Rs. 10,000 for Non-Superannuation Schemes; no Sum Assured for Superannuation Scheme.","note":null,"quote":"For Defined Benefit Schemes, the death benefit will be calculated according to the scheme rules and paid by cancelling units at the current NAV, up to the available funds in the policy at the day the benefit is payable.\n• For Defined Contribution Schemes, the member's fund value will be paid.\nAdditionally, a one-time sum of Rs. 10,000 will be paid for Non-Superannuation Schemes. No Sum Assured will be paid for Superannuation Scheme.","sources":[{"clause":"1","heading":"Benefits","page":4,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-group-capital-enhancement-plan-109l154v01/document/18616#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 will be no Benefit payable on maturity.","display":"No Benefit payable on maturity.","note":null,"quote":"There will be no Benefit payable on maturity.","sources":[{"clause":"2","heading":"Benefits on Maturity","page":4,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-group-capital-enhancement-plan-109l154v01/document/18616#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":"This is a single premium policy with no contractual regular premium commitment.","display":"Single premium; no contractual regular premium commitment.","note":null,"quote":"There is no contractual regular premium commitment; hence revivals and reinstatements are not applicable. ... This is a single premium policy hence grace period is not applicable.","sources":[{"clause":"5","heading":"Revivals and Reinstatements","page":6,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-group-capital-enhancement-plan-109l154v01/document/18616#c-5-2"},{"clause":"8","heading":"Grace Period","page":7,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-group-capital-enhancement-plan-109l154v01/document/18616#c-8-2"}],"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":"No maximum maturity age is printed.","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":"not-stated","value":null,"display":null,"note":"The policy wording provided does not state a suicide clause.","quote":null,"sources":[],"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":"Surrender benefit is Unit Fund Value less applicable surrender charges. If the policy is surrendered before the third renewal, 0.05% of unit fund value, capped at Rs. 5,00,000, is deducted; no surrender charge is applicable thereafter.","display":"Unit Fund Value less charges; before third renewal 0.05% of unit fund value, maximum Rs. 5,00,000; no charge thereafter.","note":null,"quote":"Surrender benefit is the Unit Fund Value less any applicable surrender charges. ... In case, you surrender the policy before the third renewal, then 0.05% of unit fund value (maximum Rs. 5,00,000) will be deducted. Charges will be deducted by cancelling units. No surrender charge is applicable thereafter.","sources":[{"clause":"2","heading":"Surrender","page":6,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-group-capital-enhancement-plan-109l154v01/document/18616#c-2-3"},{"clause":"1","heading":"Surrender Charges","page":8,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-group-capital-enhancement-plan-109l154v01/document/18616#c-1-4"}],"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":"not-applicable","value":null,"display":null,"note":"Paid-up value for stopping future premiums does not apply because this is a single premium policy with no contractual regular premium commitment.","quote":null,"sources":[],"law":[]},{"key":"revival","label":"Revival period","section":"Renewal and rights","meaning":"How long after lapsing you can restart the policy.","status":"quote-verified","value":"Revivals and reinstatements are not applicable because there is no contractual regular premium commitment.","display":"Not applicable; no contractual regular premium commitment.","note":null,"quote":"There is no contractual regular premium commitment; hence revivals and reinstatements are not applicable.","sources":[{"clause":"5","heading":"Revivals and Reinstatements","page":6,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-group-capital-enhancement-plan-109l154v01/document/18616#c-5-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.1 and 40.1.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.4","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.7","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.28","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.39","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"policy_loan","label":"Policy loan","section":"Renewal and rights","meaning":"Whether you can borrow against the policy.","status":"quote-verified","value":"No loan facility is available under this policy.","display":"No loan facility.","note":null,"quote":"No loan facility is available under this policy.","sources":[{"clause":"6","heading":"Loans","page":6,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-group-capital-enhancement-plan-109l154v01/document/18616#c-6-2"}],"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":"No rider availability is stated in the policy wording provided.","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 3 years from the later of issuance, commencement of risk, revival, or rider date, the life policy cannot be called in question on any ground. Within 3 years it may be questioned for fraud or material misstatement/suppression, with written communication of grounds and materials; for non-fraud misstatement repudiation, premium collected is paid within 90 days from repudiation.","display":"Cannot be questioned after 3 yrs; within 3 years can be questioned for fraud or material misstatement/suppression with written grounds; non-fraud repudiation returns premium within 90 days.","note":null,"quote":"No Policy of Life Insurance shall be called in question on any ground whatsoever after expiry of 3 yrs 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 ... 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 case repudiation is on ground of mis-statement and not on fraud, the premium collected on policy till the date of repudiation shall be paid to the insured or legal representative or nominee or assignees of insured, within a period of 90 days from the date of repudiation.","sources":[{"clause":"1","heading":null,"page":25,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-group-capital-enhancement-plan-109l154v01/document/18616#c-1-7"},{"clause":"2","heading":null,"page":25,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-group-capital-enhancement-plan-109l154v01/document/18616#c-2-6"},{"clause":"6","heading":null,"page":25,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-group-capital-enhancement-plan-109l154v01/document/18616#c-6-6"},{"clause":"7","heading":null,"page":25,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-group-capital-enhancement-plan-109l154v01/document/18616#c-7-6"}],"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 income tax on the policy will be as per prevailing Income Tax laws in India and amendments. The insurer may deduct or withhold tax and recover levies, taxes, cesses and duties including GST.","display":"Income tax as per prevailing Income Tax laws; insurer may deduct/withhold tax and recover levies, taxes, cesses, duties including GST.","note":"The wording does not state a specific tax benefit.","quote":"The income tax on your policy will be as per prevailing Income Tax laws in India and any amendment(s) made thereto from time to time. As per the applicable laws and any amendments made thereto from time to time, we reserve the right to:\n• deduct or withhold tax as the case may be; and\n• recover levies, taxes, cesses and duties including but not limited to GST from you or adjust the same from the amounts paid by you or accrued or payable to you under the policy.","sources":[{"clause":"8","heading":"Taxation","page":15,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-group-capital-enhancement-plan-109l154v01/document/18616#c-8-4"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":null,"quote":"You have a Free Look Period of 30 days from the date of receipt of the Policy document to review the terms and conditions of the Policy.","sources":[{"clause":"7","heading":"Free Look Cancellation","page":6,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-group-capital-enhancement-plan-109l154v01/document/18616#c-7-2"}],"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":"Grace period does not apply because the policy is a single premium policy.","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":"not-stated","value":null,"display":null,"note":"The youngest and oldest entry ages are not printed.","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 premium"],"display":"Single premium","note":null,"quote":"This is a single premium policy hence grace period is not applicable.","sources":[{"clause":"8","heading":"Grace Period","page":7,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-group-capital-enhancement-plan-109l154v01/document/18616#c-8-2"}],"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":"This is a single premium policy hence grace period is not applicable.","sources":[{"clause":"8","heading":"Grace Period","page":7,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-group-capital-enhancement-plan-109l154v01/document/18616#c-8-2"}],"law":[]},{"key":"lock_in","label":"Lock-in period","section":"Renewal and rights","meaning":"Years before you can withdraw. ULIPs have a 5-year lock-in.","status":"not-stated","value":null,"display":null,"note":"The policy does not print a lock-in period.","quote":null,"sources":[],"law":[{"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 40.1.5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 4","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 42","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 54.1 and 54.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-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 1.22 to 1.24","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)(vii) to (ix)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vi)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"funds","label":"Fund options","section":"Cover","meaning":"The investment funds you can choose and their risk.","status":"quote-verified","value":["Group Money Market - Very Low","Group Short Term Debt - Very Low","Group Gilt - Low","Group Fixed Interest - Low","Group Bond - Mediu m","Group Secure - Mediu m","Group Stable - High","Group Growth Advantage - High","Group Growth - High"],"display":"Group Money Market and Group Short Term Debt are Very Low risk; Group Gilt and Group Fixed Interest are Low risk; Group Bond and Group Secure are Mediu m risk; Group Stable, Group Growth Advantage, and Group Growth are High risk.","note":null,"quote":"Segregated Fund | Segregated Fund Identification No. (SFIN) | Risk Profile | Asset Allocation | Mi n. | Ma x.\nGroup Money Market | ULGF00824/08/04BSLIGRM MKT109 | Very Low | Debt Instruments | 20 % | 100 % ... Group Short Term Debt | ULGF01322/09/08BSLGSHTD BT109 | Very Low | Debt Instruments | 20 % | 100 % ... Group Gilt | ULGF00630/05/03BSLIGRGIL T109 | Low | Debt Instruments | 60 % | 100 % ... Group Fixed Interest | ULGF00416/07/02BSLGFIXIN T109 | Low | Debt Instruments | 60 % | 100 % ... Group Bond | ULGF00530/05/03BSLIGRBO ND109 | Mediu m | Debt Instruments | 60 % | 100 % ... Group Secure | ULGF00212/06/01BSLGSECU RE109 | Mediu m | Debt Instruments | 40 % | 90 % ... Group Stable | ULGF00312/06/01BSLGSTABL E109 | High | Debt Instruments | 25 % | 80 % ... Group Growth Advantage | ULGF01026/11/07BSLIGGRA DV109 | High | Debt Instruments | 0% | 70 % ... Group Growth | ULGF00112/06/01BSLGGRO WTH109 | High | Debt Instruments | 10 % | 70 %","sources":[{"clause":"6","heading":"Investment funds available under this Policy","page":8,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-group-capital-enhancement-plan-109l154v01/document/18616#c-6-3"}],"law":[]},{"key":"premium_allocation_charge","label":"Premium allocation charge","section":"Charges","meaning":"Part of each premium taken before investing.","status":"quote-verified","value":"There are no premium allocation charges under this product.","display":"No premium allocation charges.","note":null,"quote":"There are no premium allocation charges under this product.","sources":[{"clause":"4","heading":"Premium Allocation Charges","page":8,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-group-capital-enhancement-plan-109l154v01/document/18616#c-4-4"}],"law":[]},{"key":"policy_admin_charge","label":"Policy administration charge","section":"Charges","meaning":"Monthly charge deducted from your fund.","status":"not-stated","value":null,"display":null,"note":"No policy administration charge is printed.","quote":null,"sources":[],"law":[]},{"key":"fund_management_charge","label":"Fund management charge","section":"Charges","meaning":"Yearly charge on fund value; capped at 1.35% by IRDAI.","status":"quote-verified","value":"The current fund management charge is 1 % per annum for all Investment Funds and may be increased up to 1.35% per annum of the Fund Value with prior IRDAI approval.","display":"1 % per annum for all Investment Funds; may increase up to 1.35% per annum with prior IRDAI approval.","note":null,"quote":"The current fund management charge is 1 % per annum for all Investment Funds. The charge may be increased up to 1.35% per annum of the Fund Value with prior approval from IRDAI. The Fund Management Charge will be recovered by ABSLI through adjustment of NAV.","sources":[{"clause":"1","heading":"Surrender Charges","page":8,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-group-capital-enhancement-plan-109l154v01/document/18616#c-1-4"}],"law":[]},{"key":"mortality_charge","label":"Mortality charge","section":"Charges","meaning":"Cost of life cover, deducted monthly by age.","status":"quote-verified","value":"Mortality premium/charge is Rs. 0.60 per member per annum for Rs.1000 Sum Assured for non-superannuation schemes, exclusive of applicable taxes; it is not applicable for Superannuation Schemes.","display":"Rs. 0.60 per member per annum for Rs.1000 Sum Assured for non-superannuation schemes; not applicable for Superannuation Schemes.","note":null,"quote":"Mortality premium/charge is Rs. 0.60 per member per annum for Rs.1000 Sum Assured for non-superannuation schemes. The mortality premium/charge of Rs. 0.60 is exclusive of applicable taxes, if any. This charge is not applicable for Superannuation Schemes.","sources":[{"clause":"3","heading":"Mortality Premium/Charges","page":8,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-group-capital-enhancement-plan-109l154v01/document/18616#c-3-4"}],"law":[]},{"key":"discontinuance_charge","label":"Discontinuance charge","section":"Charges","meaning":"Charge if you stop paying in the first five years.","status":"quote-verified","value":"If the policy is surrendered before the third renewal, 0.05% of unit fund value, capped at Rs. 5,00,000, is deducted; no surrender charge is applicable thereafter.","display":"Before third renewal: 0.05% of unit fund value, maximum Rs. 5,00,000; no surrender charge thereafter.","note":"The wording states this as a surrender charge, not as a discontinuance charge.","quote":"In case, you surrender the policy before the third renewal, then 0.05% of unit fund value (maximum Rs. 5,00,000) will be deducted. Charges will be deducted by cancelling units. No surrender charge is applicable thereafter.","sources":[{"clause":"1","heading":"Surrender Charges","page":8,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-group-capital-enhancement-plan-109l154v01/document/18616#c-1-4"}],"law":[]},{"key":"switches_withdrawals","label":"Switches and partial withdrawals","section":"Renewal and rights","meaning":"Free fund switches and withdrawals after lock-in.","status":"quote-verified","value":"The Master policyholder can switch investments or part of them between available funds, with no restriction on the number of switches. Partial withdrawals are not allowed in this Policy.","display":"No restriction on number of fund switches; partial withdrawals are not allowed.","note":null,"quote":"Partial withdrawals are not allowed in this Policy. ... The Master policyholder can switch investments or part of them between available funds, as per the rules of each selected fund. There is no restriction on the number of switches that can be done.","sources":[{"clause":"3","heading":"Top-Up Premiums","page":6,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-group-capital-enhancement-plan-109l154v01/document/18616#c-3-3"},{"clause":"4","heading":"Fund Switch","page":6,"url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-group-capital-enhancement-plan-109l154v01/document/18616#c-4-3"}],"law":[]}],"documents":[{"kind":"wording","label":"Policy Contract","pages":26,"fetched_at":"2026-10-20 00:47:52+00","source_url":"https://lifeinsurance.adityabirlacapital.com/uploads/Policy_Contract_Website_ABSLI_Group_Capital_Enhancement_b9e26bd84e.pdf","url":"https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-group-capital-enhancement-plan-109l154v01/document/18616"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Aditya Birla SunLife Insurance official website","url":"https://lifeinsurance.adityabirlacapital.com/","note":"Buy directly from the insurer."},{"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":"insurer","name":"Claim procedure","url":"https://lifeinsurance.adityabirlacapital.com/customer-service/claim-procedure/online-claim/","note":null},{"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":"insurer","name":"Grievance redressal","url":"https://lifeinsurance.adityabirlacapital.com/grievance-redressal/","note":null},{"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":"ABSLI Group Capital Enhancement Plan (UIN 109L154V01), IndiaInsurances, https://indiainsurances.com/policy/aditya-birla-sunlife-insurance/absli-group-capital-enhancement-plan-109l154v01"}