{"uin":"110N132V04","name":"Tata AIA Life Insurance Group Loan Protect plan","url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-loan-protect-plan-110n132v04","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":"term-life","category_name":"Term life","irdai_type":"Product","kind":"product","status":"active","approved_on":"2017-05-30","withdrawn_on":null,"summary":"Tata AIA Life Insurance Group Loan Protect is a non-linked, non-participating group pure risk credit life insurance plan for loan borrowers. It pays the applicable sum assured for death or selected accelerated terminal illness, critical illness or total permanent disability benefits, and no maturity or survival benefit is payable.","analysis":{"state":"machine","analysed_at":"2026-10-20 01:52:37.025925+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":null,"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":null,"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":"quote-verified","value":["duly filled in requisite forms along with proof of loss","Claim Forms","Death Certificate issued by a local government body like Municipal Corporation","Medical Records (Admission Notes, Discharge/Death Summary, Indoor Case Papers, Test Reports etc)","Claimant's Photo ID, relationship proof with the Insured Member along with Address proof","Outstanding Loan Statement as on the date of event","Credit Account Statement from Policyholder","Copy of the First Information Report (FIR) or Panchanama/ Police complaint/Inquest"],"display":"Claim forms and proof of loss, death certificate, medical records, claimant ID/address and relationship proof, loan and credit account statements, and FIR/Panchanama/Police complaint/Inquest for unnatural death","note":"The policy also says the insurer may request additional proof and/or documents in support.","quote":"Filing Proof of Claim – Unless otherwise specified, duly filled in requisite forms along with proof of loss shall be furnished to us, at the claimant’s expenses. ... For processing the claim request under this policy, we will require the following documents: ... Death (all causes of death other than the Accidental Death) | a) Claim Forms • Part I: Application Form for Death Claim (Claimant's Statement) along with NEFT form • Part II: Physician's Statement - to be filled by last attending physician ... b) Death Certificate issued by D. Discharge Summary of Present a local government body like and Past Hospitalizations Municipal Corporation ... c) Medical Records (Admission or cause an audit into the accuracy of the credit Notes, Discharge/Death account statement of the deceased Members Summary, Indoor Case Papers, furnished by You; or Test Reports etc) ... d) Claimant's Photo ID, relationship statutory auditors that the outstanding loan balance proof with the Insured Member being shown in the credit account statement/claim along with Address proof ... e) Outstanding Loan Statement as 90 days of occurrence of insured event. However, we on the date of event ... f) Credit Account Statement from the reason for delay is proved to be for reasons beyond Policyholder ... In case of an unnatural death (to be submitted in addition to the above) | g) Copy of the First Information Report (FIR) or Panchanama/ Police complaint/Inquest#","sources":[{"clause":"6.11","heading":"Claims","page":15,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-loan-protect-plan-110n132v04/document/16691#c-6-11"},{"clause":"6.11.2","heading":"Critical Illness claims requirements","page":16,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-loan-protect-plan-110n132v04/document/16691#c-6-11-2"}],"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 non-investigative cases, claims settlement TAT is 15 days from receiving all documents. If further investigation is required, it is 45 days from claim intimation.","display":"15 days from all documents; 45 days from claim intimation if investigation is required","note":"Stated in the Customer Information Sheet.","quote":"• 15 days from receiving all the documents for non investigative cases , • 45 days from the day of the claim intimation, if further investigation required.","sources":[{"clause":"3","heading":"The life assured must be unable to perform (whether aided","page":4,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-loan-protect-plan-110n132v04/document/16180#c-3"}],"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":["the insured event occurs within waiting period applicable for respective options","death due to suicide within 12 months","Pre-Existing Disease","Self-inflicted injuries, attempted suicide, insanity, and deliberate participation of the Insured Member in an illegal or criminal act","Use of intoxicating drugs / alcohol / solvent","War – whether declared or not, civil commotion, breach of law, invasion, hostilities","Radioactive contamination due to nuclear accident","Diagnosis and treatment outside India","Any condition directly or indirectly related to External Congenital Anomaly of the Insured","Engaging in hazardous sports / pastimes","Service in the armed forces, of any country at war or service in any force of an international body","Engaging in aerial flights (including parachuting and skydiving) other than as a fare paying passenger"],"display":"Waiting-period exclusions; suicide within 12 months; pre-existing disease; self-inflicted injury/illegal acts; intoxicants; war and civil commotion; radioactive contamination; diagnosis/treatment outside India; external congenital anomaly; hazardous sports; armed forces at war; non-passenger aerial flights","note":"Some exclusions apply only to Critical Illness, Total Permanent Disability or Accidental Death benefits.","quote":"The above benefits shall not be payable if the insured event occurs within waiting period applicable for respective options, i.e., ‘Death or Accelerated Terminal Illness’, ‘Critical Illness’ or ‘Total Permanent Disability’. ... In case of death due to suicide within 12 months from the Date of Commencement of Risk or Effective Date of Coverage of Insured Member or from the date of revival of the coverage, as applicable, the nominee or beneficiary shall be entitled to at least 80% of the Total Premiums Paid ... • Pre-Existing Disease: Any condition, ailment or injury or related condition(s) for which there were signs or symptoms, and / or were diagnosed, and / or for which Medical Advice / treatment was received, within 48 months ... • Self-inflicted injuries, attempted suicide, insanity, and deliberate participation of the Insured Member in an illegal or criminal act;\n• Use of intoxicating drugs / alcohol / solvent, taking of drugs except under the direction of a qualified Medical Practitioner;\n• War – whether declared or not, civil commotion, breach of law, invasion, hostilities ... • Radioactive contamination due to nuclear accident; ... • Diagnosis and treatment outside India. ... • Any condition directly or indirectly related to External Congenital Anomaly of the Insured; or\n• Engaging in hazardous sports / pastimes ... • Service in the armed forces, of any country at war or service in any force of an international body; ... • Engaging in aerial flights (including parachuting and skydiving) other than as a fare paying passenger","sources":[{"clause":"3.2(I)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-loan-protect-plan-110n132v04/document/16691#c-3-2-i"},{"clause":"6.3","heading":"Suicide Exclusion","page":14,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-loan-protect-plan-110n132v04/document/16691#c-6-3"},{"clause":"3.5.1","heading":"Exclusions for Critical Illness Benefit","page":10,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-loan-protect-plan-110n132v04/document/16691#c-3-5-1"},{"clause":"3.5.2","heading":"Exclusions under Total Permanent Disability","page":11,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-loan-protect-plan-110n132v04/document/16691#c-3-5-2"},{"clause":"3.5.3","heading":"Exclusions for Accidental Death benefit","page":11,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-loan-protect-plan-110n132v04/document/16691#c-3-5-3"}],"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 with Tata AIA through its helpline, life.complaints@tataaia.com, online account, branch/CAMS centre, agent/distributor or the Customer Service Department. If not satisfied or no response is received within stipulated timelines, they may escalate to the Grievance Redressal Officer at GRO@tataaia.com before approaching IRDAI or the Ombudsman.","display":"First Tata AIA service avenues; then Grievance Redressal Officer at GRO@tataaia.com","note":null,"quote":"Customers can register their grievances through Multiple Service Avenues:\n• Call Our helpline number 1-860-266-9966 (Call charges apply)\n• Email us at life.complaints@tataaia.com ... In case customer is not satisfied with the resolution provided by the Company, or has not received any response within the stipulated timelines, they may contact the following officials for resolution:\n• Level of Escalation: Grievance Redressal Officer (GRO)","sources":[{"clause":"7.2","heading":"GRIEVANCE REDRESSAL PROCEDURE 7.2 1. Resolution of Grievances","page":18,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-loan-protect-plan-110n132v04/document/16691#c-7-2"},{"clause":"7.2.2","heading":"Escalation Mechanism","page":19,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-loan-protect-plan-110n132v04/document/16691#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":"quote-verified","value":"Basic Sum Assured has a minimum of R10,000 and the maximum limit is based on characteristics of the group and the Board Approved Underwriting Policy. Under Level Cover it is the initial loan amount; under Reducing Cover it follows the loan repayment schedule/outstanding loan amount.","display":"Minimum R10,000; maximum as per group characteristics and Board Approved Underwriting Policy; Level or Reducing cover","note":"Minimum and maximum limits are from the sales brochure.","quote":"Basic Sum Assured | R10,000 | Limit will be based on characteristics of the Group and shall be as per Board Approved Underwriting Policy ... 1. Level cover/Reducing cover as opted at the inception of policy: We will pay Sum Assured as selected in the Certificate of Insurance and as per the loan repayment schedule.","sources":[{"clause":null,"heading":"Eligibility Criteria","page":2,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-loan-protect-plan-110n132v04/document/16244#c-eligibility-criteria"},{"clause":"3.2(I)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-loan-protect-plan-110n132v04/document/16691#c-3-2-i"}],"law":[]},{"key":"death_benefit","label":"Death benefit","section":"Cover","meaning":"What your family gets if you die during the term, and how it is calculated.","status":"quote-verified","value":"If the coverage is in force, the insurer pays the Sum Assured selected in the Certificate of Insurance, with Level Cover or Reducing Cover as opted. For lender-borrower groups, the outstanding loan amount is paid to the Master Policyholder subject to authorization and any surplus claim proceeds are paid to the Claimant.","display":"Applicable Sum Assured; outstanding loan to Master Policyholder and surplus to Claimant","note":"Joint life benefit rules differ depending on whether each borrower is insured for the entire loan amount or only the respective loan share.","quote":"Depending upon the option selected in the Policy Schedule, in case of ‘Death or Accelerated Terminal Illness’, ‘Critical Illness’ or ‘Total Permanent Disability’ (as opted), provided the coverage is in force ... We will pay Sum Assured as selected in the Certificate of Insurance and as per the loan repayment schedule. ... Subject to the authorization from the Insured Member, We shall pay outstanding loan amount to You; ... The surplus claim proceeds, if any, will be paid to the Claimant by Us.","sources":[{"clause":"3.2(I)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-loan-protect-plan-110n132v04/document/16691#c-3-2-i"},{"clause":"6.11","heading":"Claims","page":15,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-loan-protect-plan-110n132v04/document/16691#c-6-11"}],"law":[]},{"key":"maturity_benefit","label":"Maturity benefit","section":"Cover","meaning":"What you get if you survive to the end of the term.","status":"quote-verified","value":"No maturity or survival benefit is payable under the policy.","display":"No maturity or survival benefit","note":null,"quote":"III) Maturity Benefit and Survival Benefit No Maturity or Survival benefit are payable under the Policy.","sources":[{"clause":"3.2(III)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-loan-protect-plan-110n132v04/document/16691#c-3-2-iii"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"quote-verified","value":"Premium paying term options are Single Pay, Limited Pay 5 years and Regular Pay 5 years.","display":"Single Pay; Limited pay 5 years; Regular pay 5 years","note":"From the sales brochure.","quote":"Premium Payment Term (years) | Single Pay | Limited pay 5 years | Regular pay 5 years","sources":[{"clause":null,"heading":"Eligibility Criteria","page":2,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-loan-protect-plan-110n132v04/document/16244#c-eligibility-criteria"}],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"quote-verified","value":"The maximum age at maturity is 75 years.","display":"75 years","note":"From the sales brochure.","quote":"Age at Maturity (years)* | 1, 4 & 5) 2, 3, 6, 7, 8, 9) | 75","sources":[{"clause":null,"heading":"Eligibility Criteria","page":2,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-loan-protect-plan-110n132v04/document/16244#c-eligibility-criteria"}],"law":[]},{"key":"suicide_clause","label":"Suicide clause","section":"Exclusions","meaning":"What is paid if death is by suicide within the first 12 months.","status":"quote-verified","value":"For Single Life, if death due to suicide occurs within 12 months from commencement of risk, effective date of coverage or revival, the nominee or beneficiary is entitled to at least 80% of total premiums paid till death or the unexpired risk value on the date of death, whichever is higher, provided coverage is in force. For Joint Life, the same applies with respect to the deceased life.","display":"Within 12 months: at least 80% of total premiums paid or unexpired risk value, whichever is higher","note":null,"quote":"Single Life:\nIn case of death due to suicide within 12 months from the Date of Commencement of Risk or Effective Date of Coverage of Insured Member or from the date of revival of the coverage, as applicable, the nominee or beneficiary shall be entitled to at least 80% of the Total Premiums Paid for the coverage till the date of death or the unexpired risk value available as on the date of death whichever is higher, provided the coverage is in force. Joint Life:\nIn case of death due to suicide within 12 months from the date of commencement of risk under the policy or from the date of revival of the policy, as applicable, the nominee or beneficiary of the policyholder shall be entitled to at least 80% of the total premiums paid till the date of death with respect to the deceased life or the unexpired risk value available as on the date of death whichever is higher, provided the policy is in force.","sources":[{"clause":"6.3","heading":"Suicide Exclusion","page":14,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-loan-protect-plan-110n132v04/document/16691#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 insured member may surrender the insurance cover only after repaying the outstanding loan amount in full and submitting a surrender request. For limited premium option, surrender benefit is available if at least two full years' premiums have been paid; no unexpired risk value is available for regular premium option.","display":"Allowed after full loan repayment; limited premium needs two full years' premiums; no unexpired risk value for regular premium","note":null,"quote":"The Insured Member also has the right to surrender the Insurance Cover, only if the member repays the outstanding loan amount in full and submits a surrender request with the Company. In case of limited premium option, the surrender benefit will be available provided at least two full year’s premiums have been paid. There is no unexpired risk value available in the regular premium option. ... Unexpired risk value = (50% of the premium paid less applicable taxes, levies and cesses) multiplied by (unexpired policy term divided by total Policy Term) multiplied by (Coverage at the time of surrender divided by Sum Assured at inception)","sources":[{"clause":"4.5","heading":"Surrender Benefit","page":13,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-loan-protect-plan-110n132v04/document/16691#c-4-5"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.1 to 26.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.4 and 26.5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 27","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.16 and 1.17","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(1) to (3)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(4) and (5)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(6) to (9)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(B)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vi)(c)(V)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"paid_up","label":"Paid-up value","section":"Renewal and rights","meaning":"What cover continues if you stop paying premiums after a few years.","status":"quote-verified","value":"For Limited Pay 5 policies, if premiums for less than 2 years have been paid and further premiums are not paid within the grace period, the policy lapses and no further benefit is payable if not revived. If at least full 2 years' premiums have been paid, the policy is converted into Reduced Paid-up by default, and benefits are the chosen benefit multiplied by the RPU Factor.","display":"Limited Pay 5 only: after at least full 2 years' premiums, Reduced Paid-up by default; benefit × RPU Factor","note":null,"quote":"This will only be true in case of those Limited Pay 5 policies for which premiums have been paid for less than 2 years. Such policy may be revivied, within five years from the due date of the first unpaid premium, as per Section 4.1. However, if the policy is not revivied, no further benefit will be payable and the policy will terminate. The policy will be converted into a Reduced Paid-up policy by default, provided premiums for at least full 2 years is paid for Limited Pay 5 policies and subsequent premiums remain unpaid. ... Death/ Accidental Death /Accelerated Terminal Illness/ Accelerated Critical Illness/Accelerated Total Permanent Disability Benefit ( as the case may be) = Benefit payable as per the option chosen (as given under section 3.2 above) multiplied by RPU Factor*\n*RPU Factor = (Number of Premiums paid) divided by (Number of Premiums Payable during the entire premium payment term)","sources":[{"clause":"4.4","heading":"Reduced Paid-Up","page":13,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-loan-protect-plan-110n132v04/document/16691#c-4-4"}],"law":[]},{"key":"revival","label":"Revival period","section":"Renewal and rights","meaning":"How long after lapsing you can restart the policy.","status":"quote-verified","value":"If a premium remains unpaid beyond the grace period and the policy has not been surrendered, it may be revived within five years after the due date of the first unpaid premium and before the end of the policy term, subject to application, evidence of insurability and payment of overdue premiums with interest. There is no revival option for Single Premium.","display":"Within five years after the due date of the first unpaid premium; no revival for Single Premium","note":null,"quote":"If a premium remains unpaid beyond the Grace Period and subject to the Policy not having been surrendered, it may be revived, as per the Board approved underwriting policy within five years after the due date of the first unpaid premium and before the end of the policy term subject to: ... Payment of all overdue premiums with applicable interest charged by the Company to revive this cover; ... There is no revival option for Single Premium.","sources":[{"clause":"4.1","heading":"Revival","page":12,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-loan-protect-plan-110n132v04/document/16691#c-4-1"},{"clause":"4.1(ii)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-loan-protect-plan-110n132v04/document/16691#c-4-1-ii"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.1 and 40.1.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.4","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.7","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.28","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.39","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"policy_loan","label":"Policy loan","section":"Renewal and rights","meaning":"Whether you can borrow against the policy.","status":"quote-verified","value":"Loan facility is not allowed under this plan.","display":"Not allowed","note":null,"quote":"Loan facility is not allowed under this Plan.","sources":[{"clause":"4.2","heading":"Loan","page":13,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-loan-protect-plan-110n132v04/document/16691#c-4-2"}],"law":[]},{"key":"riders_available","label":"Riders available","section":"Cover","meaning":"Optional add-ons such as accidental death, critical illness or waiver of premium.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"section45","label":"Claims after 3 years (Section 45)","section":"Claims","meaning":"After 3 years a life policy cannot be questioned on any ground, and only for fraud with proof before that.","status":"quote-verified","value":"No life insurance policy can be called in question on any ground after 3 years from the date of issuance, commencement of risk, revival or rider, whichever is later. Within 3 years, it may be called in question on the ground of fraud if the insurer communicates the ground and materials in writing.","display":"Cannot be questioned after 3 yrs; fraud can be questioned within 3 years with written grounds and materials","note":null,"quote":"No Policy of Life Insurance shall be called in\nquestion 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 d. the date of rider to the policy, whichever is later. ... On the ground of fraud, a policy of Life Insurance\nmay be called in question within 3 years from\na) the date of issuance of policy or\nb) the date of commencement of risk or\nc) the date of revival of policy or\nd) the date of rider to the policy, whichever is later.","sources":[{"clause":"1","heading":"No Policy of Life Insurance shall be called in","page":24,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-loan-protect-plan-110n132v04/document/16691#c-1-3"},{"clause":"2","heading":"On the ground of fraud, a policy of Life Insurance","page":24,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-loan-protect-plan-110n132v04/document/16691#c-2-4"}],"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":"Tax benefits and liabilities under the policy are subject to prevailing tax laws, which may change, and the policyholder is advised to seek a tax advisor's opinion.","display":"Tax benefits and liabilities are subject to prevailing tax laws; seek tax advisor's opinion","note":null,"quote":"Tax benefits and liabilities under the Policy are subject to prevailing tax laws. Tax laws and the benefits arising thereunder are subject to change. You are advised to seek an opinion of Your tax advisor in relation to the tax benefits and liabilities applicable to You.","sources":[{"clause":"6.9","heading":"Taxes","page":15,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-loan-protect-plan-110n132v04/document/16691#c-6-9"}],"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/Certificate of Insurance","sources":[{"clause":"6.14","heading":"Loss of policy document","page":18,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-loan-protect-plan-110n132v04/document/16691#c-6-14"}],"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 mode","note":"The 30-day value applies to all modes other than monthly; monthly mode has 15 days.","quote":"A Grace Period of fifteen (15) days for monthly mode and thirty (30) days for all other modes, from the due date will be allowed for payment of each subsequent premium.","sources":[{"clause":"3.7.3","heading":"Grace period","page":12,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-loan-protect-plan-110n132v04/document/16691#c-3-7-3"}],"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":null,"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","Halfyearly","Quarterly","Monthly"],"display":"Annual, Halfyearly, Quarterly or Monthly","note":null,"quote":"premiums may be paid on Annual, Halfyearly, Quarterly or Monthly mode at the premium rates applicable on the Issue Date.","sources":[{"clause":"3.7.2","heading":"Change of frequency of premium payment","page":12,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-loan-protect-plan-110n132v04/document/16691#c-3-7-2"}],"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","Limited","Regular"],"display":"Single, Limited or Regular premium","note":null,"quote":"A Single/ Limited/ Regular premium is payable in respect of each Insured Member","sources":[{"clause":"3.7.1","heading":"Premium Payment","page":12,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-loan-protect-plan-110n132v04/document/16691#c-3-7-1"}],"law":[]},{"key":"return_of_premium","label":"Return of premium option","section":"Cover","meaning":"Whether premiums come back if you survive the term, and at what cost. 'No' only when the document says no maturity benefit is payable.","status":"quote-verified","value":"No. No maturity or survival benefit is payable under the policy.","display":"No; no maturity or survival benefit","note":null,"quote":"III) Maturity Benefit and Survival Benefit No Maturity or Survival benefit are payable under the Policy.","sources":[{"clause":"3.2(III)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-loan-protect-plan-110n132v04/document/16691#c-3-2-iii"}],"law":[]},{"key":"payout_options","label":"Payout options","section":"Cover","meaning":"Lump sum, monthly income, or a mix for your family.","status":"quote-verified","value":"The policy pays the applicable sum assured. For lender-borrower groups, the outstanding loan amount is paid to the Master Policyholder subject to authorization, and any surplus claim proceeds are paid to the Claimant.","display":"Outstanding loan to Master Policyholder; surplus to Claimant","note":null,"quote":"Subject to the authorization from the Insured Member, We shall pay outstanding loan amount to You;\n• The Members may provide the said authorisation either on the date of enrolment or at a later date;\n• The surplus claim proceeds, if any, will be paid to the Claimant by Us. The amount payable to Master Policyholder shall under no circumstances be more than the outstanding loan amount;","sources":[{"clause":"6.11","heading":"Claims","page":15,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-loan-protect-plan-110n132v04/document/16691#c-6-11"}],"law":[]},{"key":"terminal_illness","label":"Terminal illness benefit","section":"Cover","meaning":"Whether part of the cover is paid early on diagnosis of a terminal illness.","status":"quote-verified","value":"Accelerated Terminal Illness is available depending on the option selected in the policy schedule. Terminal Illness means an advanced or rapidly progressing incurable and un-correctable medical condition that is highly likely to lead to death within the next six months, with confirmation by an independent specialist, and it has a 180-day waiting period.","display":"Accelerated Terminal Illness benefit, if opted; 180-day waiting period","note":"Payable only if the relevant benefit option is selected and the coverage is in force.","quote":"Depending upon the option selected in the Policy Schedule, in case of ‘Death or Accelerated Terminal Illness’, ‘Critical Illness’ or ‘Total Permanent Disability’ (as opted), provided the coverage is in force ... “Terminal Illness” is defined as an advanced or rapidly progressing incurable and un-correctable medical condition, which in the opinion of the treating physician is highly likely to lead to death within the next six months. ... “Waiting Period for Terminal Illness” shall mean period of hundred and eighty days (180) days from the Date of Commencement of Risk or Effective Date of Coverage of Member or Date of Revival, whichever is later, of this Policy.","sources":[{"clause":"3.2(I)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-loan-protect-plan-110n132v04/document/16691#c-3-2-i"},{"clause":"2.1(xxxv)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-loan-protect-plan-110n132v04/document/16691#c-2-1-xxxv"},{"clause":null,"heading":"“Total Premiums paid”","page":9,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-loan-protect-plan-110n132v04/document/16691#c-total-premiums-paid"}],"law":[]},{"key":"increasing_cover","label":"Increasing or life-stage cover","section":"Cover","meaning":"Options to raise cover over time or at marriage or childbirth.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"waiver_of_premium","label":"Waiver of premium","section":"Cover","meaning":"Whether future premiums stop on disability or critical illness.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"medicals","label":"Medical tests","section":"Eligibility","meaning":"Whether medical tests are needed, and at what cover.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Group Loan Protect 110N132V01 T&C","pages":17,"fetched_at":"2026-10-17 20:11:02+00","source_url":"https://www.tataaia.com/content/dam/tataaialifeinsurancecompanylimited/pdf/download-centre/english/withdrawn-plans/tata-aia-life-insurance-group-loan-protect/Group-Loan-Protect-110N132V01-TandC.pdf","url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-loan-protect-plan-110n132v04/document/16464"},{"kind":"wording","label":"Policy Document","pages":24,"fetched_at":"2026-10-17 20:15:03+00","source_url":"https://www.tataaia.com/content/dam/tataaialifeinsurancecompanylimited/pdf/group-solutions/group-loan-protect/GLP-V4-Policy-Document.pdf","url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-loan-protect-plan-110n132v04/document/16691"},{"kind":"cis","label":"Customer Information Sheet","pages":12,"fetched_at":"2026-10-17 20:05:23+00","source_url":"https://www.tataaia.com/content/dam/tataaialifeinsurancecompanylimited/pdf/group-solutions/group-loan-protect/Group-Loan-Protect-V4-CIS.pdf","url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-loan-protect-plan-110n132v04/document/16180"},{"kind":"brochure","label":"Brochure","pages":9,"fetched_at":"2026-10-17 20:06:46+00","source_url":"https://www.tataaia.com/content/dam/tataaialifeinsurancecompanylimited/pdf/group-solutions/group-loan-protect/Credit-Life-Group-Loan-Protect-13-V4-Brochure.pdf","url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-loan-protect-plan-110n132v04/document/16244"}],"versions":[{"uin":"110N132V01","version":null,"approved_on":null},{"uin":"110N132V04","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":"Tata AIA Life Insurance Group Loan Protect plan (UIN 110N132V04), IndiaInsurances, https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-loan-protect-plan-110n132v04"}