{"uin":"110L164V11","name":"I Systematic Insurance Plan","url":"https://indiainsurances.com/policy/tata-aia-life-insurance/i-systematic-insurance-plan-110l164v11","insurer":{"slug":"tata-aia-life-insurance","name":"TATA AIA Life Insurance Company Limited","url":"https://indiainsurances.com/insurer/tata-aia-life-insurance"},"line":"life","category":"ulip","category_name":"ULIPs (unit-linked plans)","irdai_type":"ULIP","kind":"product","status":"active","approved_on":"2025-03-17","withdrawn_on":null,"summary":"Tata AIA i Systematic Insurance Plan is a non-participating, unit-linked individual life insurance savings plan with iSIP Wealth and iSIP Young Genius options. It has a 5-year lock-in period, a 30-day free-look period and no policy loan.","analysis":{"state":"machine","analysed_at":"2026-10-19 23:09:02.912843+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":["iSIP Wealth","iSIP Young Genius"],"display":"iSIP Wealth; iSIP Young Genius","note":null,"quote":"The plan offers two benefit options to the Policyholder to choose from at the outset: • iSIP Wealth • iSIP Young Genius","sources":[{"clause":"2","heading":"PART B","page":1,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/i-systematic-insurance-plan-110l164v11/document/16678#c-2"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The wording refers to Policy Term and Date of Maturity of Policy, but does not state the available policy-term choices.","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":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"For maturity claims, the policy says it will release the maturity payout on or before the Maturity Date if bank details are available or updated sufficiently in advance. For death claims, the policy does not state a fixed number of days and refers to the extant regulatory timeline for delay interest.","display":"Maturity payout on or before the Maturity Date; death claim timeline not fixed in days","note":null,"quote":"To ensure processing the maturity payout on or before the Maturity Date, We shall consider the bank account details available in Your Policy record. ... In case of any delay on the part of the Company to process the claim within extant regulatory timeline, We shall pay interest as may be prescribed by the IRDAI from time to time.","sources":[{"clause":"3.15.2","heading":"MATURITY CLAIMS REQUIREMENTS","page":8,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/i-systematic-insurance-plan-110l164v11/document/16678#c-3-15-2"},{"clause":"3.15.1","heading":"DEATH CLAIMS REQUIREMENTS","page":8,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/i-systematic-insurance-plan-110l164v11/document/16678#c-3-15-1"}],"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":["There is no investment guarantee in the product.","death due to suicide within 12 months from the Date of Commencement of the Policy or Date of Revival of the Policy","the amount of increase shall not be considered in the calculation of the Death Benefit","No risk cover shall be available during the Discontinuance Period.","No loan is available from the Company under this Policy."],"display":"No investment guarantee; suicide within 12 months pays only as stated; sum-assured increase is ignored for suicide within 12 months; no risk cover during discontinuance; no policy loan.","note":null,"quote":"There is no investment guarantee in the product. ... In case of death due to suicide within 12 months from the Date of Commencement of the Policy or Date of Revival of the Policy , the Claimant shall be entitled to Total Fund value, as available on the date of intimation of death. ... If the Life Assured, whether sane or insane, commits suicide within 12 months from the effective date of increase in the Sum Assured, the amount of increase shall not be considered in the calculation of the Death Benefit. ... No risk cover shall be available during the Discontinuance Period. ... No loan is available from the Company under this Policy.","sources":[{"clause":"2","heading":"PART B","page":1,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/i-systematic-insurance-plan-110l164v11/document/16678#c-2"},{"clause":"6.3","heading":"SUICIDE EXCLUSIONS","page":32,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/i-systematic-insurance-plan-110l164v11/document/16678#c-6-3"},{"clause":"4.3(a)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/i-systematic-insurance-plan-110l164v11/document/16678#c-4-3-a-3"},{"clause":"4.8","heading":"LOAN","page":14,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/i-systematic-insurance-plan-110l164v11/document/16678#c-4-8"}],"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":"Customers can first register grievances through Tata AIA service avenues such as helpline, email, online policy account, branch/CAMS service center, agent/distributor or writing to the Customer Service Department. If not satisfied or no response within the stipulated timeline, the escalation is to the Grievance Redressal Officer at GRO@tataaia.com or the stated address.","display":"First register with Tata AIA customer service; escalate to the Grievance Redressal Officer if unresolved","note":null,"quote":"Customers can register their grievances through multiple service avenues: • Call our helpline number 1-860-266-9966 (Call charges apply) • Email us at life.complaints@tataaia.com • Login to online policy account on www.tataaia.com • Visit any of the nearest Tata AIA Life branches or CAMS Service Centers • Contact your Tata AIA Life Agent / Distributor • Write to us on the following address: Customer Service Department Tata AIA Life Insurance Company Ltd., 15th Floor, Centaurus, Hiranandani Business Park, Off Ghodbunder Road, Thane (West)- 400607 ... In case the customer is not satisfied with the resolution provided by the Company, or has not received any response within the stipulated timelines, he, may write to the following official for resolution: • Level of Escalation: Grievance Redressal Officer (GRO)","sources":[{"clause":"7.2.1","heading":"Resolution of Grievances","page":33,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/i-systematic-insurance-plan-110l164v11/document/16678#c-7-2-1"},{"clause":"7.2.2","heading":"Escalation Mechanism","page":34,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/i-systematic-insurance-plan-110l164v11/document/16678#c-7-2-2"}],"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":"not-stated","value":null,"display":null,"note":"The wording defines Basic Sum Assured as the amount specified in the Policy Schedule, but the provided document does not state minimum or maximum basic sum assured limits.","quote":null,"sources":[],"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 iSIP Wealth, death during the policy term while in force pays the highest of Basic Sum Assured, Regular Premium Fund Value or Single Premium Fund Value, and 105% of total premiums paid up to death, plus the higher of approved Top-Up Sum Assured or Top-Up Premium Fund Value if there is Top-Up Premium Fund Value; the policy then terminates. For iSIP Young Genius, a lump sum of the higher of Basic Sum Assured or 105% of total regular premiums received is paid, approved Top-Up Sum Assured is also payable if applicable, future premiums are funded by the company and the policy continues to the end of the policy term.","display":"iSIP Wealth: highest of Basic Sum Assured, fund value or 105% premiums paid, plus top-up benefit if any; iSIP Young Genius: lump sum highest of Basic Sum Assured or 105% premiums received plus top-up sum assured if any, with waiver of future premiums.","note":null,"quote":"iSIP Wealth Upon death of the Life Insured during the term of the Policy & while the Policy is in force, the following benefit shall be payable to the Claimant: Highest of: ... i) the Basic Sum Assured; or ... ii) the Regular Premium Fund Value/ Single Premium Fund Value (as applicable) of the Policy; or ... iii) 105% of the total Regular Premiums / Single Premium paid up to the date of death. In addition to this, highest of: (i) the approved Top-Up Sum Assured(s); or (ii) Top-Up Premium Fund Value of this Policy. is also payable provided You have a Top-Up Premium Fund Value. The Policy shall terminate upon the payment of the above benefit. ... iSIP Young Genius Upon death of the Life Insured during the term of the Policy & while the Policy is in force, the following benefit shall be payable to the Nominee: ... A lumpsum benefit (as described below) shall be payable to the Claimant immediately upon death of the Life Insured, and the Policy shall continue to be in force until the end of the Policy Term. The lumpsum benefit shall be: Highest of: i) the Basic Sum Assured; or ii) 105 percent of the total Regular Premiums received up to the date of death. In addition the approved Top-Up Sum Assured(s) is also payable, provided the Policyholder has a Top-Up Premium Fund Value. ... The outstanding Premium which may become due and payable after the date of death of the Life Insured, shall be funded by the Company.","sources":[{"clause":"3.1","heading":"DEATH BENEFIT","page":4,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/i-systematic-insurance-plan-110l164v11/document/16678#c-3-1"},{"clause":"3.1(i)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/i-systematic-insurance-plan-110l164v11/document/16678#c-3-1-i"},{"clause":"3.1(ii)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/i-systematic-insurance-plan-110l164v11/document/16678#c-3-1-ii"},{"clause":"3.1(iii)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/i-systematic-insurance-plan-110l164v11/document/16678#c-3-1-iii"},{"clause":"3.1(a)","heading":"Lumpsum Benefit","page":4,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/i-systematic-insurance-plan-110l164v11/document/16678#c-3-1-a"},{"clause":"3.1(b)","heading":"Waiver of Premium","page":4,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/i-systematic-insurance-plan-110l164v11/document/16678#c-3-1-b"}],"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":"For iSIP Wealth, if the life insured survives to maturity, the Total Fund Value valued at the applicable NAV on the maturity date is payable. For iSIP Young Genius, the Total Fund Value is payable to the nominee if the life insured died before maturity or to the policyholder if the life insured is alive on the maturity date.","display":"Total Fund Value at maturity, with iSIP Young Genius paid to the nominee if death occurred before maturity or to the policyholder if alive","note":null,"quote":"iSIP Wealth If the Life Insured survives till the Date of Maturity of Policy, the Total Fund Value (i.e., a sum of Single Premium Fund Value/Regular Premium Fund Value and Top-Up Premium Fund Value of the Policy), valued at applicable NAV at the Date of Maturity of Policy shall be payable. iSIP Young Genius The Total Fund Value (i.e., a sum of Regular Premium Fund Value and Top-Up Premium Fund Value of the Policy), valued at applicable NAV at the Date of Maturity of Policy shall be payable: - to the Nominee (in case the Life Insured has died before the Date of Maturity of Policy), OR ... - to the Policyholder (in case the Life Insured is alive as on the Date of Maturity of Policy). The Policy shall terminate upon the payment of Maturity Benefit.","sources":[{"clause":"3.2","heading":"MATURITY BENEFIT","page":5,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/i-systematic-insurance-plan-110l164v11/document/16678#c-3-2"},{"clause":"3.4","heading":"WEALTH BOOSTER","page":5,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/i-systematic-insurance-plan-110l164v11/document/16678#c-3-4"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"not-stated","value":null,"display":null,"note":"The wording refers to Single Pay, Limited Pay and Regular Pay, but does not state the available premium paying term choices.","quote":null,"sources":[],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"not-stated","value":null,"display":null,"note":"The provided wording does not state a maximum maturity age.","quote":null,"sources":[],"law":[]},{"key":"suicide_clause","label":"Suicide clause","section":"Exclusions","meaning":"What is paid if death is by suicide within the first 12 months.","status":"quote-verified","value":"If death is due to suicide within 12 months from policy commencement or revival, the claimant is entitled to the Total Fund Value as available on the date of intimation of death, with charges other than Fund Management Charge recovered after death added back. If suicide occurs within 12 months from an increase in Sum Assured, the increase is not considered in the death benefit.","display":"Within 12 months of commencement or revival: Total Fund Value at death intimation, with certain charges added back; sum-assured increase within 12 months is ignored.","note":null,"quote":"In case of death due to suicide within 12 months from the Date of Commencement of the Policy or Date of Revival of the Policy , the Claimant shall be entitled to Total Fund value, as available on the date of intimation of death. Any charges, other than Fund Management Charge, recovered subsequent to the date of death shall be added back to the Fund Value available on the date of intimation of death. If the Life Assured, whether sane or insane, commits suicide within 12 months from the effective date of increase in the Sum Assured, the amount of increase shall not be considered in the calculation of the Death Benefit.","sources":[{"clause":"6.3","heading":"SUICIDE EXCLUSIONS","page":32,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/i-systematic-insurance-plan-110l164v11/document/16678#c-6-3"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 21","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 35","url":"https://indiainsurances.com/law/irdai-life-products-2024"}]},{"key":"surrender","label":"Surrender value","section":"Renewal and rights","meaning":"What you get if you stop the policy early, and from when.","status":"quote-verified","value":"The policy can be completely withdrawn at any time during the policy term by intimation to the company. Within the lock-in period, Total Fund Value less discontinuance charge is credited to the Discontinued Policy Fund and proceeds are payable after the lock-in period; after the lock-in period, the Total Fund Value as on complete withdrawal or surrender is payable.","display":"Complete withdrawal anytime; within lock-in, proceeds after lock-in after discontinuance charge; after lock-in, Total Fund Value is payable.","note":null,"quote":"You can completely withdraw the Policy at any time during the Policy Term by an intimation to the Company. ... On complete withdrawal/surrender the Policy, surrender value i.e., the Total Fund Value [including any Single Premium Fund Value/ Regular Premium Fund Value (as applicable) and Top-Up Premium Fund Value] less applicable Discontinuance Charge as on the date of Discontinuance shall be credited to the ‘Discontinued Policy Fund’ and the Proceeds of the Discontinued Policy shall be payable to You after the Lock-in-period. ... Upon complete withdrawal/surrender of the Policy, the surrender value i.e., the Total Fund Value [including any Single Premium Fund Value/ Regular Premium Fund Value (as applicable) and Top-Up Premium Fund Value] as on the date of complete withdrawal/surrender, shall be payable.","sources":[{"clause":"4.3(j)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/i-systematic-insurance-plan-110l164v11/document/16678#c-4-3-j"},{"clause":"4.3(a)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/i-systematic-insurance-plan-110l164v11/document/16678#c-4-3-a-3"},{"clause":"4.3(b)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/i-systematic-insurance-plan-110l164v11/document/16678#c-4-3-b-3"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.1 to 26.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.4 and 26.5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 27","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.16 and 1.17","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(1) to (3)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(4) and (5)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(6) to (9)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(B)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vi)(c)(V)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"paid_up","label":"Paid-up value","section":"Renewal and rights","meaning":"What cover continues if you stop paying premiums after a few years.","status":"not-stated","value":null,"display":null,"note":null,"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":"The Revival Period is 3 consecutive complete years from the date of first unpaid premium. Revival requires written application, current health certificate and other evidence of insurability satisfactory to the company, and payment of all overdue premiums without interest or fee.","display":"3 years from the date of first unpaid premium","note":null,"quote":"“Revival Period” means the period of 3 (three) consecutive complete years from the date of first unpaid premium. ... If the Premium remains unpaid at the end of the Grace Period and the Policy has not been completely withdrawn as per Clause 4.1 Part D (“Discontinuance of Premium provision“) it can be revived in line with the Company’s Board approved Underwriting Policy, within the Revival Period subject to (i) Your written application for revival; (ii) production of Insured’s current health certificate and other evidence of insurability satisfactory to Us; (iii) payment of all overdue Premiums without any interest or fee.","sources":[{"clause":"2.1","heading":"Basic Definitions","page":1,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/i-systematic-insurance-plan-110l164v11/document/16678#c-2-1"},{"clause":"4.7(a)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/i-systematic-insurance-plan-110l164v11/document/16678#c-4-7-a"}],"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 is available from the company under this policy.","display":"No loan available","note":null,"quote":"No loan is available from the Company under this Policy.","sources":[{"clause":"4.8","heading":"LOAN","page":14,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/i-systematic-insurance-plan-110l164v11/document/16678#c-4-8"}],"law":[]},{"key":"riders_available","label":"Riders available","section":"Cover","meaning":"Optional add-ons such as accidental death, critical illness or waiver of premium.","status":"quote-verified","value":["Waiver of Premium Rider","Waiver of Premium Plus Rider","Accidental Death and Dismemberment Rider"],"display":"Waiver of Premium Rider; Waiver of Premium Plus Rider; Accidental Death and Dismemberment Rider","note":"Rider attachment is subject to the company's Board approved underwriting policy and rider product limits.","quote":"the policy term of Waiver of Premium Rider and Waiver of Premium Plus Rider should not be more than the outstanding premium paying term of the base plan and the policy term of Accidental Death and Dismemberment Rider should not be more than the outstanding policy term of the base plan.","sources":[{"clause":"2","heading":"PART B","page":1,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/i-systematic-insurance-plan-110l164v11/document/16678#c-2"}],"law":[]},{"key":"section45","label":"Claims after 3 years (Section 45)","section":"Claims","meaning":"After 3 years a life policy cannot be questioned on any ground, and only for fraud with proof before that.","status":"quote-verified","value":"No life insurance policy can be called in question on any ground after expiry of 3 years from the later of policy issuance, commencement of risk, revival or rider date. Within 3 years it may be called in question on fraud, or on material misstatement or suppression, with written communication of grounds and materials.","display":"After 3 years, policy cannot be called in question on any ground; within 3 years only as stated for fraud or material misstatement/suppression.","note":null,"quote":"No Policy of Life Insurance shall be called in question on any ground whatsoever after expiry of 3 yrs from a) the date of issuance of policy or b) the date of commencement of risk or c) the date of revival of policy or d) 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 Life Assured was incorrectly made in the proposal or other document basis which policy was issued or revived or rider issued.","sources":[{"clause":"1","heading":"No Policy of Life Insurance shall be called in question","page":40,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/i-systematic-insurance-plan-110l164v11/document/16678#c-1-3"},{"clause":"2","heading":"On the ground of fraud, a policy of Life Insurance may","page":40,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/i-systematic-insurance-plan-110l164v11/document/16678#c-2-4"},{"clause":"6","heading":"Life insurance Policy can be called in question within 3","page":40,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/i-systematic-insurance-plan-110l164v11/document/16678#c-6-17"}],"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":"Income tax benefits are available as per prevailing tax laws, subject to fulfilment of conditions, and tax laws are subject to change. The policyholder is asked to consult their own tax consultant.","display":"Income tax benefits as per prevailing tax laws; tax laws may change","note":null,"quote":"Income tax benefits shall be available as per the prevailing tax laws subject to fulfillment of conditions stipulated therein. Tax laws are subject to change from time to time. Please consult Your own tax consultant to understand the tax benefits available to You.","sources":[{"clause":"6.8","heading":"TAXES","page":32,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/i-systematic-insurance-plan-110l164v11/document/16678#c-6-8"}],"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":"Such notice must be signed by the Policyholder and received directly by the Company within 30 days beginning from the date of receipt of the Policy Document, whether received electronically or otherwise.","sources":[{"clause":"4.5","heading":"FREE LOOK PERIOD","page":13,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/i-systematic-insurance-plan-110l164v11/document/16678#c-4-5"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days; 15 days for monthly premium mode","note":"15 days where the policyholder pays the premium monthly; 30 days in all other cases.","quote":"The Grace Period for payment of the Premium shall be fifteen (15) days where the Policyholder pays the Premium ... on a monthly basis and thirty (30) days in all other cases.","sources":[{"clause":"3.13","heading":"GRACE PERIOD","page":7,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/i-systematic-insurance-plan-110l164v11/document/16678#c-3-13"}],"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 provided wording contains provisions for minors and juveniles but does not state the minimum and maximum entry ages for buying the policy.","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":["annual","half-yearly","quarterly","monthly"],"display":"Annual, half-yearly, quarterly or monthly","note":"Monthly premiums are to be paid by auto-deduction through a bank unless the company agrees otherwise in writing; Enhanced SMART requires annual mode.","quote":"Premiums are payable in annual, half-yearly, quarterly or monthly mode.","sources":[{"clause":"3.10","heading":"CHANGE IN PREMIUM PAYMENT FREQUENCY","page":7,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/i-systematic-insurance-plan-110l164v11/document/16678#c-3-10"}],"law":[]},{"key":"premium_type","label":"Premium payment type","section":"Premium","meaning":"Single premium, regular premium (every year of the term) or limited premium (fewer years than the term).","status":"quote-verified","value":["Single Pay","Limited pay","Regular Pay"],"display":"Single Pay, Limited pay and Regular Pay","note":null,"quote":"“Regular Premium” shall be the premium payable at regular intervals under Limited pay and Regular Pay Payment option chosen by the Policyholder, excluding the taxes, rider premiums and underwriting extra premiums, if any. ... “Single Premium” shall be the premium payable under Single Pay Payment option chosen by the Policyholder, excluding the taxes, rider premiums and underwriting extra premiums, if any.","sources":[{"clause":"2.1","heading":"Basic Definitions","page":1,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/i-systematic-insurance-plan-110l164v11/document/16678#c-2-1"}],"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":"quote-verified","value":{"unit":"years","amount":5},"display":"5 years","note":null,"quote":"“Lock-in period” means the period of 5 (five) consecutive completed years from the Date of Commencement of the policy, during which period the proceeds of the policies cannot be paid by Us to You or to the insured, as the case may be, except in the case of death or upon the happening of any other contingency covered under the Policy.","sources":[{"clause":"2.1","heading":"Basic Definitions","page":1,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/i-systematic-insurance-plan-110l164v11/document/16678#c-2-1"}],"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":["Large Cap Equity Fund - High","Whole Life Mid Cap Equity Fund - High","Whole Life Income Fund - Low","Whole Life Short Term Fixed Income Fund - Low","Whole Life Aggressive Growth Fund - Medium to High","Whole Life Stable Growth Fund - Low to Medium","Multi Cap Fund - High","India Consumption Fund - High","Super Select Equity Fund - High","Top 50 Fund - High","Top 200 Fund - High","Emerging Opportunities Fund - High","Sustainable Equity Fund - High","Dynamic Advantage Fund - Medium","Flexi Growth Fund - High","Constant Maturity Fund - Medium","Target Maturity Fund - Medium","Small Cap Discovery Fund - High","Business Cycle Fund - High","Rising India Fund - High","Midcap Momentum Index Fund - High","Flexi Growth Fund II - High","Whole Life Income Fund II - Medium","Nifty Alpha 50 Index Fund - High","Multicap Momentum Quality Index Fund - High","Tax Bonanza Consumption Fund - High","Top 200 Alpha 30 Index Fund - High","Momentum 50 Index Fund - High","Sector Leaders Index Fund - High","Multicap Opportunities Fund - High","Enhanced Value Index Fund - High","Large Mid Cap Innovation Fund - High","Multifactor Index Fund - High","Momentum Value 50 Index Fund - High","Liquid Fund - Low"],"display":"Fund profile lists equity, debt, hybrid and liquid fund options with risk profiles from Low to High.","note":"Risk profiles are taken from the Fund Profile table in the same clause.","quote":"The investible Premiums will be invested in any or all of the funds available i.e., Large Cap Equity Fund, Whole Life Mid Cap Equity Fund, Whole Life Income Fund, Whole Life Short Term Fixed Income Fund, Whole Life Aggressive Growth Fund, Whole Life Stable Growth Fund, Multi Cap Fund, India Consumption Fund, Super Select Equity Fund, Top 50 Fund, Top 200 Fund, Emerging Opportunities Fund, Sustainable Equity Fund and Dynamic Advantage Fund, Flexi Growth Fund, Constant Maturity Fund, Target Maturity Fund, Small Cap Discovery Fund, Business Cycle Fund, Rising India Fund, Momentum Midcap Index Fund, Flexi Growth Fund II, Whole Life Income Fund II, Nifty Alpha 50 Index Fund, Multicap Momentum Quality Index Fund, Tax Bonanza Consumption Fund, Top 200 Alpha 30 Index Fund, Momentum 50 Index Fund, Sector Leaders Index Fund, Multicap Opportunities Fund, Enhanced Value Index Fund, Large Mid Cap Innovation Fund, Multifactor Index Fund, Momentum Value 50 Index Fund and Liquid Fund. ... Investment | Fund Objective | Risk | Asset Allocation | Minimum | Maximum","sources":[{"clause":null,"heading":"Fund Profile","page":21,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/i-systematic-insurance-plan-110l164v11/document/16678#c-fund-profile"}],"law":[]},{"key":"premium_allocation_charge","label":"Premium allocation charge","section":"Charges","meaning":"Part of each premium taken before investing.","status":"quote-verified","value":"No premium allocation charges are applicable.","display":"No charges are applicable","note":null,"quote":"Allocation Charges: No charges are applicable.","sources":[{"clause":"5.7(b)(iii)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/i-systematic-insurance-plan-110l164v11/document/16678#c-5-7-b-iii"}],"law":[]},{"key":"policy_admin_charge","label":"Policy administration charge","section":"Charges","meaning":"Monthly charge deducted from your fund.","status":"quote-verified","value":"No policy administration charges are applicable.","display":"No charges are applicable","note":null,"quote":"Policy Administration Charge: No Charges are applicable.","sources":[{"clause":"5.7(b)(iii)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/i-systematic-insurance-plan-110l164v11/document/16678#c-5-7-b-iii-2"}],"law":[]},{"key":"fund_management_charge","label":"Fund management charge","section":"Charges","meaning":"Yearly charge on fund value; capped at 1.35% by IRDAI.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"mortality_charge","label":"Mortality charge","section":"Charges","meaning":"Cost of life cover, deducted monthly by age.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"discontinuance_charge","label":"Discontinuance charge","section":"Charges","meaning":"Charge if you stop paying in the first five years.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"Fund switching is available by written request between available funds and has no fund switching charge. Partial withdrawals are allowed after at least five policy anniversaries or five years from top-up acceptance as applicable, if the policy is in force, with no partial withdrawal charge; total partial withdrawals in a policy year must not exceed 25% of Total Fund Value.","display":"Switching: no fund switching charge. Partial withdrawals: after 5 policy anniversaries, no charge, up to 25% of Total Fund Value per policy year.","note":"Partial withdrawals have additional conditions, including minimum withdrawal amount and minimum remaining fund value, and are allowed only after the life insured has attained 18 years of age.","quote":"You may send Us a written request to switch investment between available Funds. ... No Fund Switching Charge shall apply under this product. ... You have an option to partially withdraw from the Regular Premium Fund Value/ Single Premium Fund Value (as applicable) and Top-Up Premium Fund Value at any time provided the Policy has completed at least five (5) Policy Anniversaries from the Date of Commencement of Policy or date of acceptance of Top-up Premium, as applicable, if Policy is in force (including in Reduced Paid Up status). ... Partial Withdrawal is allowed for as many times in a Policy Year, provided the total amount of partial withdrawals in a Policy Year do not exceed twenty-five (25) percent of the Total Fund Value. ... No charges shall be applicable for partial withdrawal.","sources":[{"clause":"4.9","heading":"FUND SWITCHING","page":14,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/i-systematic-insurance-plan-110l164v11/document/16678#c-4-9"},{"clause":"4.3(a)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/i-systematic-insurance-plan-110l164v11/document/16678#c-4-3-a-2"},{"clause":"4.3(h)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/i-systematic-insurance-plan-110l164v11/document/16678#c-4-3-h"},{"clause":"4.3(j)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/i-systematic-insurance-plan-110l164v11/document/16678#c-4-3-j"}],"law":[]}],"documents":[{"kind":"wording","label":"i Systematic Insurance Plan UIN 110L164V06 T&C","pages":37,"fetched_at":"2026-10-17 20:13:18+00","source_url":"https://www.tataaia.com/content/dam/tataaialifeinsurancecompanylimited/pdf/download-centre/english/withdrawn-plans/tata-aia-i-systematic-insurance-plan/i-Systematic-Insurance-Plan-UIN-110L164V06-T-and-C.pdf","url":"https://indiainsurances.com/policy/tata-aia-life-insurance/i-systematic-insurance-plan-110l164v11/document/16592"},{"kind":"wording","label":"i Systematic Insurance Plan UIN 110L164V05 T&C","pages":21,"fetched_at":"2026-10-17 20:13:17+00","source_url":"https://www.tataaia.com/content/dam/tataaialifeinsurancecompanylimited/pdf/download-centre/english/withdrawn-plans/tata-aia-i-systematic-insurance-plan/i-Systematic-Insurance-Plan-UIN-110L164V05-T-and-C.pdf","url":"https://indiainsurances.com/policy/tata-aia-life-insurance/i-systematic-insurance-plan-110l164v11/document/16593"},{"kind":"wording","label":"Policy Document","pages":40,"fetched_at":"2026-10-17 20:14:49+00","source_url":"https://www.tataaia.com/content/dam/tataaialifeinsurancecompanylimited/life-insurance-plans/wealth-solutions/i-systematic-insurance-plan/isip-v11-policy-document.pdf","url":"https://indiainsurances.com/policy/tata-aia-life-insurance/i-systematic-insurance-plan-110l164v11/document/16678"}],"versions":[{"uin":"110L164V05","version":null,"approved_on":null},{"uin":"110L164V06","version":null,"approved_on":null},{"uin":"110L164V11","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"TATA AIA Life Insurance official website","url":"http://tataaia.com/","note":"Website as listed by IRDAI. Not checked: the site blocks automated requests (bot wall) for our crawler on 2026-10-19; we do not bypass walls."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"I Systematic Insurance Plan (UIN 110L164V11), IndiaInsurances, https://indiainsurances.com/policy/tata-aia-life-insurance/i-systematic-insurance-plan-110l164v11"}