{"uin":"110N176V12","name":"Tata AIA Sampoorna Raksha Promise","url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-sampoorna-raksha-promise-110n176v12","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":"2025-01-01","withdrawn_on":null,"summary":"Tata AIA Sampoorna Raksha Promise is a non-linked, non-participating, pure risk individual life insurance product with Life Promise, Life Promise Plus, Joint Life Promise and Joint Life Promise Plus options. Death benefit is based on the Effective Sum Assured, and Life Promise Plus and Joint Life Promise Plus pay 100% of Total Premiums Paid on survival to maturity.","analysis":{"state":"machine","analysed_at":"2026-10-19 23:10:03.790101+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":["Life Promise Option","Life Promise Plus Option","Joint Life Promise Option","Joint Life Promise Plus Option"],"display":"Life Promise Option; Life Promise Plus Option; Joint Life Promise Option; Joint Life Promise Plus Option","note":null,"quote":"I) Plan Options Option 1: Life Promise Option Option 2: Life Promise Plus Option Option 3: Joint Life Promise Option Option 4: Joint Life Promise Plus Option","sources":[{"clause":"3.1","heading":"BENEFIT PROVISIONS","page":4,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-sampoorna-raksha-promise-110n176v12/document/16640#c-3-1"}],"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 only defines Policy Term as the period mentioned in the Policy Schedule; it does not state product-level term limits.","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":"quote-verified","value":"All death claims must be notified immediately to the insurer in writing. Proof of loss and required forms must be furnished within 90 days after the insured event unless specified otherwise.","display":"Death claims must be notified immediately in writing; proof of claim within 90 days after the insured event","note":null,"quote":"Notice of Claim – All cases of death must be notified immediately to us in writing. However, any delay in notifying shall require to be substantiated to Our satisfaction. ... Filing Proof of Claim – Affirmative proof of loss and any appropriate forms as required by us must be completed and furnished to us, at the claimant’s expenses, within 90 days after the date the Insured event happens, unless specified otherwise.","sources":[{"clause":null,"heading":"5.10 CLAIM PROCEDURES","page":21,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-sampoorna-raksha-promise-110n176v12/document/16640#c-5-10-claim-procedures"}],"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 the Instant Payout on Claim Intimation feature, after completion of the waiting period of 3 Policy Year and while the policy is in force, INR 3 Lacs from the Effective Sum Assured is paid within 1 working day from the claim registration date. The remaining sum assured is payable after completion of claim investigation.","display":"Instant payout: INR 3 Lacs within 1 working day from claim registration; remaining sum assured after claim investigation","note":"This feature is available only with minimum Effective Sum Assured of INR 1 Cr; the wording otherwise refers to extant regulatory timelines without stating a general settlement period.","quote":"In case of death of the Life Insured, post completion of waiting period of 3 Policy Year, from the policy inception or Revival of the Policy and provided the Policy is in force, an accelerated instant death benefit of INR 3 Lacs from the Effective Sum Assured will be paid within 1 (one) working day from the claim registration date. ... The remaining sum assured shall be payable post the completion of the claim investigation.","sources":[{"clause":"6","heading":"Instant Payout on Claim","page":10,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-sampoorna-raksha-promise-110n176v12/document/16640#c-6"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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 the insurer's helpline, email, online policy account, branches or CAMS service centers, agent/distributor, or by writing to the Customer Service Department. If not satisfied or no response is received within the stipulated timelines, escalation is to the Grievance Redressal Officer before approaching IRDAI or the Insurance Ombudsman.","display":"First contact Tata AIA service avenues; escalate to Grievance Redressal Officer if not satisfied or no response","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., 9th Floor, B - Wing, I-Think Techno Campus, Behind TCS (Lodha), Pokhran Road No.2, Thane (West), Mumbai – 400 607 ... In case customers are not satisfied with the decision of the above offices, or has not received any response within the stipulated timelines, they may contact the following officials for resolution: • Level of Escalation: Grievance Redressal Officer (GRO)","sources":[{"clause":null,"heading":"8.2.1 Resolution of Grievances","page":29,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-sampoorna-raksha-promise-110n176v12/document/16640#c-8-2-1-resolution-of-grievances"}],"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":"The policyholder chooses the Effective Sum Assured at purchase subject to underwriting eligibility. Sum Assured is the guaranteed death benefit amount, and the Basic Sum Assured when issued is shown in the Policy Schedule.","display":"Effective Sum Assured chosen at purchase subject to underwriting; Basic Sum Assured shown in Policy Schedule","note":"The wording does not state a rupee minimum or maximum.","quote":"“Sum Assured (SA)” is the guaranteed amount of the benefit that is payable on the death of the Insured under this Policy. The Basic Sum Assured when the Policy is issued is shown in the Policy Schedule. ... You choose the Effective Sum Assured at the time of purchase subject to underwriting eligibility.","sources":[{"clause":"2.1","heading":"BASIC DEFINITIONS","page":1,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-sampoorna-raksha-promise-110n176v12/document/16640#c-2-1"},{"clause":null,"heading":"I. Plan Options Option 1: Life Promise Option","page":4,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-sampoorna-raksha-promise-110n176v12/document/16640#c-i-plan-options-option-1-life-promise-option"}],"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 Life Promise and Life Promise Plus, death benefit for an in-force policy is the highest of 1.25 times Single Premium or the applicable DB multiple times Annualised Premium, 105% of Total Premiums Paid up to death, or the Effective Sum Assured. The DB multiple is 7 for Life Promise and 10 for Life Promise Plus; joint options use the same structure on first or simultaneous death, with DB multiple 7 for Joint Life Promise and 10 for Joint Life Promise Plus.","display":"Highest of 1.25 x Single Premium or DB multiple x Annualised Premium, 105% of Total Premiums Paid, or Effective Sum Assured; DB multiple 7 for Promise options and 10 for Plus options","note":"The claimant may receive a chosen portion up to 100% as lump sum and the balance as staggered benefit if selected at purchase.","quote":"In case of death of the Life Insured for an in-force Policy (all due premiums have been paid), the Death benefit equals to Sum Assured on Death payable to the Claimant is as outlined below: Highest of: ➢ 1.25 x Single Premium (excluding discount) or DB multiple(1) x Annualised Premium(2) | (excluding discount); ➢ 105% of Total Premiums Paid (excluding loading for modal premiums and discount) up to date of death; or ➢ An absolute amount assured to be paid on death(3) (1) DB multiple is 7 in case of Life Promise Option and 10 in case of Life Promise Plus option ... In case of first death of any of the Life Insureds or simultaneous deaths of both Life Insureds for an in-force Policy (all due premiums have been paid), the Death Benefit equals to Sum Assured on Death payable to the Claimant is as outlined below: Highest of: ➢ 1.25 x Single Premium (excluding discount) or DB multiple(1) | x | Annualised Premium (excluding discount); ➢ 105% of Total Premiums Paid (excluding loading for modal premiums and discount) up to date of death; or ➢ An absolute amount assured to be paid on death(2) (1) DB multiple is 7 in case of Joint Life Promise and 10 in case of Joint Life Promise Plus option","sources":[{"clause":null,"heading":"Promise Plus","page":15,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-sampoorna-raksha-promise-110n176v12/document/16640#c-promise-plus"},{"clause":null,"heading":"Promise Plus options –","page":16,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-sampoorna-raksha-promise-110n176v12/document/16640#c-promise-plus-options"}],"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":"Life Promise and Joint Life Promise pay no additional benefit on survival to maturity. Life Promise Plus pays 100% of Total Premiums Paid at the end of the policy term if the life insured survives, and Joint Life Promise Plus pays 100% of Total Premiums Paid if both lives survive.","display":"Life Promise and Joint Life Promise: no additional maturity benefit; Plus options: 100% of Total Premiums Paid at maturity","note":"The maturity clause refers to 'Joint Life Secure Plus', although the plan option is named Joint Life Promise Plus elsewhere in the wording.","quote":"In case the Life Insured survives till Date of Maturity of Policy, no additional benefit is payable, and the Policy shall terminate on the Date of Maturity of Policy. ... In case any or both the Life Insureds survive till Date of Maturity of Policy, no additional benefit is payable, and the Policy shall terminate on the Date of Maturity of Policy. ... a) Life Promise Plus An amount equal to the 100% of the Total Premiums Paid (excluding loading for modal premiums and discount) towards base benefit option and “Life Stage” or “Top-up SA”, if opted and applicable, shall be payable at the end of the Policy Term, provided the Life Insured survives till Date of Maturity of Policy and the Policy is not terminated earlier. ... b) Joint Life Secure Plus An amount equal to the 100% of the Total Premiums Paid (excluding loading for modal premiums and discount) towards the base benefit option and “Life Stage” or “Top-up SA”, if opted and applicable shall be payable at the end of the Policy Term, provided both the Life Insureds survive till Date of Maturity of Policy and the Policy is not terminated earlier.","sources":[{"clause":null,"heading":"I. Plan Options Option 1: Life Promise Option","page":4,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-sampoorna-raksha-promise-110n176v12/document/16640#c-i-plan-options-option-1-life-promise-option"},{"clause":null,"heading":"Option 3: Joint Life Promise Option","page":5,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-sampoorna-raksha-promise-110n176v12/document/16640#c-option-3-joint-life-promise-option"},{"clause":"11(IV)(a)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-sampoorna-raksha-promise-110n176v12/document/16640#c-11-iv-a"},{"clause":"11(IV)(b)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-sampoorna-raksha-promise-110n176v12/document/16640#c-11-iv-b"}],"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 defines Premium Payment Term as the number of years premium is payable and says it is mentioned in the Policy Schedule, but does not state product-level PPT limits.","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 wording does not state the maximum maturity age for the base product.","quote":null,"sources":[],"law":[]},{"key":"suicide_clause","label":"Suicide clause","section":"Exclusions","meaning":"What is paid if death is by suicide within the first 12 months.","status":"quote-verified","value":"For suicide within 12 months from commencement of risk or revival, the nominee or beneficiary is entitled to at least 80% of Total Premiums Paid till death or the surrender value as on death, whichever is higher, provided the policy is in force. For Joint Life Promise and Joint Life Promise Plus, this applies on suicide of either or both lives within 12 months.","display":"Suicide within 12 months: at least 80% of Total Premiums Paid or surrender value, whichever is higher, if the policy is in force","note":"The first suicide subclause heading says 'Life Secure and Life Promise Plus', while plan options elsewhere are Life Promise and Life Promise Plus.","quote":"In 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 (including additional premium paid for Family Plan Option benefit, if applicable) till the date of death or the surrender value available as on the date of death whichever is higher, provided the policy is in force; ... ii) Joint Life Promise and Joint Life Promise Plus: In 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, of either or both of the life assureds, the nominee or beneficiary of the policyholder shall be entitled to at least 80% of the Total Premiums Paid till the date of earlier death or the surrender value available as on the date of death whichever is higher, provided the policy is in force.","sources":[{"clause":"11(i)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-sampoorna-raksha-promise-110n176v12/document/16640#c-11-i-3"},{"clause":"11(ii)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-sampoorna-raksha-promise-110n176v12/document/16640#c-11-ii-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":"Surrender benefit varies by option. Life Promise and Joint Life Promise pay Unexpired Risk Premium Value on voluntary termination, with zero for Regular Pay and payable for Limited Pay, and for Single Pay payable any time after premium is paid; Life Promise Plus and Joint Life Promise Plus pay a surrender value equal to the higher of GSV and SSV, generally after one policy year and one full year's premium for Regular/Limited Pay with PPT at least 5 years, and immediately for Single Pay and PPT less than 5 years.","display":"Surrender varies by option; Promise options use Unexpired Risk Premium Value, Plus options pay higher of GSV and SSV","note":null,"quote":"The surrender benefit available under the product varies by the option chosen. The Policy will terminate upon payment of this benefit. ... Under Life Promise, Joint Life Promise option, Child Care and Dependent Care benefit Unexpired Risk Premium Value on voluntary Policy termination shall be payable as follows: • Regular Pay: Unexpired risk value will be zero. • Limited Pay: Unexpired Risk Premium Value will be payable. ... • Single Pay: Unexpired Risk Premium Value shall be equal to Unexpired Risk Premium Value Factor (URPVF) * Single Premium paid (excluding discount). A positive Unexpired Risk Premium Value is payable under Life Promise and Joint Life Promise option any time after the premium is paid. ... Under Life Promise Plus and Joint Life Promise Plus Option, a Surrender Value shall be payable on completion of one policy year, provided one full years’ premium is paid for Limited/Regular Pay policies with PPT greater than equal to 5 years.. For Single Pay policies and for Limited/Regular Pay policies with PPT less than 5 years, Surrender Value shall be payable immediately after it is issued. The surrender value shall be equal to the higher of the Guaranteed Surrender Value (GSV) and the Special Surrender Value (SSV).","sources":[{"clause":null,"heading":"II. Surrender Benefit","page":27,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-sampoorna-raksha-promise-110n176v12/document/16640#c-ii-surrender-benefit"}],"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 Life Promise Plus and Joint Life Promise Plus, if premiums are discontinued after 1 full year's premium is paid, cover continues with Reduced Paid-Up Effective Sum Assured. Life Promise and Joint Life Promise have no reduced paid-up continuation shown for Regular Pay; Limited Pay Promise options pay Unexpired Risk Premium Value on specified events.","display":"Plus options: reduced paid-up after 1 full year's premium; Promise regular-pay options: no amount payable on discontinuance","note":"The non-forfeiture table is poorly extracted, but it states cover ceases before 1 full year's premium and continues with reduced paid-up cover after 1 full year's premium for Plus options.","quote":"Life Pro mis e Plu s Opt ion | Reg ula r or Li mit ed Pa y | Cov er ce as e to ex ist | Cover cont inue s with Red uce d Paid -Up Effe ctive Sum Ass ured ... Joint Life Pro mis e Plu s Opt ion | Reg ula r or Li mit ed Pa y | Cov er ce as e to ex ist | Cover cont inue s with Red uce d Paid -Up Effe ctive Sum Ass ured ... Under Life Promise Plus and Joint Life Promise Plus Options when a policy is converted to Reduced Paid-up on premium discontinuance after 1 full years’ premium paid: o The coverage shall continue in reduced paid-up status till Date of Maturity of Policy unless the Policy is revived earlier. ... Reduced Paid-up Sum Assured = Reduced Paid-up Factor * Effective Sum Assured Reduced Paid-Up Accidental Death Sum Assured = Reduced Paid-up Factor * Accidental Death SA Where, Reduced Paid-up Factor = Number of Premiums Paid / Number of Premiums Payable","sources":[{"clause":null,"heading":"7.7 NON-FORFEITURE PROVISIONS I. Non-Forfeiture Benefit on","page":24,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-sampoorna-raksha-promise-110n176v12/document/16640#c-7-7-non-forfeiture-provisions-i-non-forfeiture-b"}],"law":[]},{"key":"revival","label":"Revival period","section":"Renewal and rights","meaning":"How long after lapsing you can restart the policy.","status":"quote-verified","value":"A lapsed policy may be revived within five years after the due date of the first unpaid premium and before maturity, subject to written application, evidence of insurability and payment of overdue premiums with interest.","display":"Within 5 years after the due date of the first unpaid premium, before maturity","note":null,"quote":"If a premium is in default beyond the Grace Period and subject to the Policy not having been surrendered, it may be revived, within five years after the due date of the first unpaid premium and before maturity 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 with interest.","sources":[{"clause":null,"heading":"7.5 REVIVAL","page":24,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-sampoorna-raksha-promise-110n176v12/document/16640#c-7-5-revival"}],"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 is not available under this policy.","display":"Loan is not available","note":null,"quote":"Loan is not available under this Policy.","sources":[{"clause":null,"heading":"7.6 LOAN","page":24,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-sampoorna-raksha-promise-110n176v12/document/16640#c-7-6-loan"}],"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":["Dependent Care Option","Cover Enhancement","Renewability option at Maturity","Cover Continuation Option","Flexi Pay benefit","Instant Payout on Claim intimation","Family Plan option","Super Retirement Benefit","Waiver of Premium on Husband’s Death","Premium Holiday due to pregnancy","Child Education Protect"],"display":"Dependent Care, Cover Enhancement, Renewability at Maturity, Cover Continuation, Flexi Pay, Instant Payout on Claim Intimation, Family Plan, Super Retirement Benefit, Waiver of Premium on Husband’s Death, Premium Holiday due to pregnancy, Child Education Protect","note":"These are product options/features named in the wording. The wording refers to attached riders in some clauses but does not name separate riders.","quote":"II) Other Options 1. Dependent Care Option 2. Cover Enhancement 3. Renewability option at Maturity 4. Cover Continuation Option 5. Flexi Pay benefit 6. Instant Payout on Claim intimation 7. Family Plan option ... 8 Super Retirement Benefit ... 9 Waiver of Premium on Husband’s ... 10 Premium Holiday due to ... pregnancy ... 11 Child Education Protect","sources":[{"clause":"3.1","heading":"BENEFIT PROVISIONS","page":4,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-sampoorna-raksha-promise-110n176v12/document/16640#c-3-1"},{"clause":"8","heading":"Super Retirement Benefit","page":12,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-sampoorna-raksha-promise-110n176v12/document/16640#c-8"},{"clause":"9","heading":"Waiver of Premium on Husband’s","page":12,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-sampoorna-raksha-promise-110n176v12/document/16640#c-9"},{"clause":"10","heading":"Premium Holiday due to","page":13,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-sampoorna-raksha-promise-110n176v12/document/16640#c-10"},{"clause":"11","heading":"Child Education Protect","page":14,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-sampoorna-raksha-promise-110n176v12/document/16640#c-11"}],"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 date of issuance, commencement of risk, revival or rider, whichever is later. Within 3 years, it may be called in question on fraud or material misstatement grounds with written communication of grounds and materials.","display":"No policy can be questioned after 3 years; within 3 years only as stated for fraud or material misstatement with written grounds","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 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. For this, the insurer should communicate in writing to the Life Assured or legal representative or nominee or assignees of insured, as applicable, mentioning the ground and materials on which such decision is based. ... Life insurance Policy can be called in question within 3 years on the ground that any statement of or suppression of a fact material to expectancy of life of the Life Assured was incorrectly made in the proposal or other document basis which policy was issued or revived or rider issued.","sources":[{"clause":"01","heading":"No Policy of Life Insurance shall be called","page":42,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-sampoorna-raksha-promise-110n176v12/document/16640#c-01-3"},{"clause":"02","heading":"On the ground of fraud, a policy of Life","page":42,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-sampoorna-raksha-promise-110n176v12/document/16640#c-02-3"},{"clause":"06","heading":"Life insurance Policy can be called in","page":42,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-sampoorna-raksha-promise-110n176v12/document/16640#c-06-3"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 45","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"tax_note","label":"Tax note in the document","section":"Premium","meaning":"What the document says about tax benefits. Not stated when it only says taxes are charged on the premium. Tax law changes; confirm separately.","status":"not-stated","value":null,"display":null,"note":"The document only states that applicable taxes, duties, surcharge, cesses or levies are borne by the policyholder; it does not state tax benefits.","quote":null,"sources":[],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":null,"quote":"Such notice must be signed by you and received directly by the Company within 30 days from the date of receipt of the policy document by you or person authorized by you.","sources":[{"clause":null,"heading":"5.14 FREE LOOK PERIOD","page":23,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-sampoorna-raksha-promise-110n176v12/document/16640#c-5-14-free-look-period"}],"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":15},"display":"15 days for monthly mode; 30 days for all other modes","note":"The definition excludes Single Pay.","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. The Policy will remain in force during this period.","sources":[{"clause":null,"heading":"7.3 GRACE PERIOD","page":24,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-sampoorna-raksha-promise-110n176v12/document/16640#c-7-3-grace-period"}],"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 wording does not state the youngest and oldest entry ages for buying the base 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","semi-annual","quarterly","monthly"],"display":"Annual, semi-annual, quarterly or monthly","note":null,"quote":"Subject to our minimum premium requirements, premiums may be paid on an annual, semi-annual, quarterly or monthly mode at the premium rates applicable on the Issue Date.","sources":[{"clause":null,"heading":"7.2 PREMIUM PROVISIONS 7.2.1 PAYMENT OF PREMIUM","page":23,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-sampoorna-raksha-promise-110n176v12/document/16640#c-7-2-premium-provisions-7-2-1-payment-of-premium"}],"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":["Regular Pay","Limited Pay","Single Pay"],"display":"Regular Pay, Limited Pay and Single Pay","note":null,"quote":"The option is available to all premium paying terms (Regular, Limited) except Single pay","sources":[{"clause":"5","heading":"Flexi Pay Benefit","page":9,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-sampoorna-raksha-promise-110n176v12/document/16640#c-5"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"payout_options","label":"Payout options","section":"Cover","meaning":"Lump sum, monthly income, or a mix for your family.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"terminal_illness","label":"Terminal illness benefit","section":"Cover","meaning":"Whether part of the cover is paid early on diagnosis of a terminal illness.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"increasing_cover","label":"Increasing or life-stage cover","section":"Cover","meaning":"Options to raise cover over time or at marriage or childbirth.","status":"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":"Sampoorna Raksha Promise 110N176V03 T&C","pages":13,"fetched_at":"2026-10-17 20:13:57+00","source_url":"https://www.tataaia.com/content/dam/tataaialifeinsurancecompanylimited/pdf/download-centre/english/withdrawn-plans/tata-aia-sampoorna-raksha-promise/Sampoorna-Raksha-Promise-110N176V03-TandC.pdf","url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-sampoorna-raksha-promise-110n176v12/document/16628"},{"kind":"wording","label":"Sampoorna Raksha Promise 110N176V12 T&C","pages":43,"fetched_at":"2026-10-17 20:14:09+00","source_url":"https://www.tataaia.com/content/dam/tataaialifeinsurancecompanylimited/pdf/download-centre/english/withdrawn-plans/tata-aia-sampoorna-raksha-promise/Sampoorna-Raksha-Promise-110N176V12-TandC.pdf","url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-sampoorna-raksha-promise-110n176v12/document/16640"}],"versions":[{"uin":"110N176V03","version":null,"approved_on":null},{"uin":"110N176V12","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 Sampoorna Raksha Promise (UIN 110N176V12), IndiaInsurances, https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-sampoorna-raksha-promise-110n176v12"}