{"uin":"110N189V01","name":"Tata AIA Life Insurance Group Critical Illness","url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-critical-illness-110n189v01","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":"critical-illness","category_name":"Critical illness","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Tata AIA Life Insurance Group Critical Illness is a non-linked, non-participating group pure risk health insurance plan with CI 4, CI 11 and CI 35 options. It pays 100% of the Sum Assured on diagnosis of a covered critical illness after a 90-day waiting period and 30-day survival period, and has no death or maturity benefit.","analysis":{"state":"machine","analysed_at":"2026-10-20 01:58:09.540454+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":["CI 4","CI 11","CI 35"],"display":"CI 4, CI 11 and CI 35","note":null,"quote":"You/Insured member may choose one out of the following three options at inception which cannot be changed once chosen:\n• CI 4: Covering 4 pre-defined Critical Illness\n• CI 11: Covering 11 pre-defined Critical Illness\n• CI 35: Covering 35 pre-defined Critical","sources":[{"clause":"5","heading":"In case of surrender of Group Policy, there is","page":3,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-critical-illness-110n189v01/document/16698#c-5"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"Policy Term: 1 Year.","display":"1 Year","note":null,"quote":"• Premium Payment Term: OYRT • Policy Term: 1 Year","sources":[{"clause":"Row 4","heading":"Basic Policy Details","page":1,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-critical-illness-110n189v01/document/16208#c-row-4"}],"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 claims must be notified in writing within 90 days of occurrence of the insured event. The insurer may condone delay on merit where the delay is proved to be for reasons beyond the claimant's control.","display":"Within 90 days of occurrence of Insured event","note":null,"quote":"All cases of claim must be notified to us in writing within 90 days of occurrence of Insured event. However, we may condone delay on merit for delayed claims where the reason for delay is proved to be for reasons beyond the control of the claimant.","sources":[{"clause":"6.13","heading":"Claims","page":7,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-critical-illness-110n189v01/document/16698#c-6-13"}],"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":["Application Form for Critical Illness Claim (Claimant’s Statement) along with NEFT form","Confidential Medical Report –to be filled by Attending Physician","Clinical / Hospital Reports","Angiography Reports & Plates","Certificate of Diagnosis","Medical Examination Certificate (First Consultation Notes)","Laboratory test reports, X-Ray / CT Scan / MRI Reports & Plates, Ultrasonography Report","All follow-up Consultation Notes in relation to the hospitalized condition","Credit Account Statement from Master Policyholder"],"display":"Critical illness claim forms, medical reports, diagnosis certificate, related clinical reports and credit account statement","note":"The claim-document table is badly extracted in the policy text; the listed items are the readable document requirements for critical illness claims.","quote":"• Histopathology Report policy, we will require the following documents:\n• Clinical / Hospital Reports\n• Angiography Reports & Plates ... Critical Illness | A. Claim Forms • Part I: Application Form for Critical Illness Claim (Claimant’s Statement) along with NEFT form • Part II: Confidential Medical Report –to be filled by Attending Physician ... K. Credit Account Statement K. Credit Account Statement from Master Policyholder from Master Policyholder ... G. Certificate of Diagnosis\nH. Medical | Examination\nCertificate | (First\nConsultation Notes).\n2 | Death Claims (Warranting Investigations) | 45 days from the date of receipt of claim\nI) All related clinical Reports pertaining to the claim event –\n• Laboratory test reports, X-Ray / CT Scan / MRI\nReports | & | Plates,\nUltrasonography Report","sources":[{"clause":"6.13","heading":"Claims","page":7,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-critical-illness-110n189v01/document/16698#c-6-13"},{"clause":"6.13.1","heading":"Critical Illness claims requirements","page":8,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-critical-illness-110n189v01/document/16698#c-6-13-1"},{"clause":"6.13.2(a)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-critical-illness-110n189v01/document/16698#c-6-13-2-a-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 claims settlement, the CIS states 15 days from receiving all the documents for non investigative claims, and 45 days from the day of claim intimation if further investigation is required.","display":"15 days from receiving all documents; 45 days from claim intimation if investigation required","note":"The policy wording table gives timelines for death claims, while the CIS gives the claim settlement timelines for this policy's claims procedure.","quote":"• 15 days from receiving all the documents, for non investigative claims • 45 days from the day of the claim intimation, if further investigation required.","sources":[{"clause":"13","heading":"Unreasonable failure to seek or follow medical advice or","page":3,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-critical-illness-110n189v01/document/16208#c-13"}],"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":["Any critical illness which occurred within 90 days of the Entry Date or the date of Revival.","The Member committing or attempting to commit a criminal act whether alone or with others;","The Member’s intentional self-inflicted injury, attempted suicide.","War, invasion, civil war, rebellion or riot;","Alcohol or Solvent abuse or taking of Drugs, narcotics or psychotropic substances unless taken in accordance with the lawful directions and prescription of a registered medical practitioner;","Taking part in any naval, military or air force operation during peace time","Engaging in or taking part in hazardous activities","Participation by the insured person in any flying activity, except as a bona fide, farepaying passenger of a recognized airline on regular routes and on a scheduled timetable.","Any Pre-existing medical condition.","For any medical condition or any medical procedure arising from nuclear contamination","Any external Congenital Anomaly which is not a consequence of Genetic disorder","Unreasonable failure to seek or follow medical advice or treatment"],"display":"90-day critical illness waiting exclusion, criminal acts, intentional self-inflicted injury or attempted suicide, war/riot, alcohol or drug abuse, military operations, hazardous activities, non-passenger flying, pre-existing medical conditions, nuclear contamination, external congenital anomaly and failure to seek/follow medical advice","note":null,"quote":"C. Permanent Exclusions for 4/11/35 CI conditions:\nNo critical illness benefit shall be paid on diagnosis of critical illness due to attempted suicide within one year from the date of commencement of Membership.\nThe critical illness benefit shall not be paid on any of the lives covered in case of the following conditions:\n1. Any critical illness which occurred within 90 days of the Entry Date or the date of Revival.\n2. The Member committing or attempting to commit a criminal act whether alone or with others;\n3. The Member’s intentional self-inflicted injury, attempted suicide.\n4. War, invasion, civil war, rebellion or riot;\n5. Alcohol or Solvent abuse or taking of Drugs, narcotics or psychotropic substances unless taken in accordance with the lawful directions and prescription of a registered medical practitioner;\n6. War, invasion, act of foreign enemy, hostilities (whether war be declared or not), armed or unarmed truce, civil war, mutiny, rebellion, revolution, insurrection, military or usurped power, riot or civil commotion, strikes\n7. Taking part in any naval, military or air force operation during peace time\n8. Engaging in or taking part in hazardous activities, including but not limited to, diving or riding or any kind of race; martial arts; hunting; mountaineering; parachuting; bungee-jumping; underwater activities involving the use of breathing apparatus or not; Hazardous Activities mean any sport or pursuit or hobby, which is potentially dangerous to the Insured Member whether he is trained or not\n9. Participation by the insured person in any flying activity, except as a bona fide, farepaying passenger of a recognized airline on regular routes and on a scheduled timetable.\n10. Any Pre-existing medical condition. “Pre-existing medical condition” definition will be as per health regulation.\n11. For any medical condition or any medical procedure arising from nuclear contamination; the radioactive, explosive or hazardous nature of nuclear fuel materials or property contaminated by nuclear fuel materials or accident arising from such nature.\n12. Any external Congenital Anomaly which is not a consequence of Genetic disorder\n13. Unreasonable failure to seek or follow medical advice or treatment or the Life Insured has delayed medical treatment in order to circumvent the waiting period or other conditions and restriction applying to this policy","sources":[{"clause":"6.15","heading":null,"page":9,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-critical-illness-110n189v01/document/16698#c-6-15"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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 sales brochure states Min/ Max Sum Assured as R10,000 / As per Board Approved Policy.","display":"R10,000 / As per Board Approved Policy","note":"From the sales brochure.","quote":"Min/ Max Sum Assured | R10,000 / As per Board Approved Policy","sources":[{"clause":null,"heading":"Terms and Conditions 1. Free Look Period","page":3,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-critical-illness-110n189v01/document/16269#c-terms-and-conditions-1-free-look-period"}],"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":"No benefit is payable at the time of death of the Insured Member.","display":"No benefit shall be payable at the time of death","note":null,"quote":"No benefit shall be payable at the time of death Rate by 0.2575 of the Insured Member","sources":[{"clause":"5","heading":"In case of surrender of Group Policy, there is","page":3,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-critical-illness-110n189v01/document/16698#c-5"}],"law":[]},{"key":"maturity_benefit","label":"Maturity benefit","section":"Cover","meaning":"What you get if you survive to the end of the term.","status":"quote-verified","value":"There is no maturity benefit payable in this plan.","display":"There is no Maturity Benefit payable","note":null,"quote":"3.1.3. Maturity Benefit There is no Maturity Benefit payable in this plan.","sources":[{"clause":"5","heading":"In case of surrender of Group Policy, there is","page":3,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-critical-illness-110n189v01/document/16698#c-5"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"quote-verified","value":"The CIS states the Premium Payment Term as OYRT.","display":"OYRT","note":null,"quote":"• Premium Payment Term: OYRT • Policy Term: 1 Year","sources":[{"clause":"Row 4","heading":"Basic Policy Details","page":1,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-critical-illness-110n189v01/document/16208#c-row-4"}],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"quote-verified","value":"The sales brochure states the minimum and maximum maturity age as 19/71 Years.","display":"19/71 Years","note":"From the sales brochure.","quote":"Min/Max Maturity Age | 19/71 Years","sources":[{"clause":null,"heading":"Eligibility Criteria","page":3,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-critical-illness-110n189v01/document/16269#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":"conflicting","value":"The policy wording states that no benefit is payable if the insured member commits suicide, whether sane or insane, within 12 months from the effective coverage date or revival date, as applicable.","display":"No benefit if suicide within 12 months","note":"Brochure says: 'a) Employer-Employee groups on a compulsory basis No exclusion' and, for other cases, 'at least 80% of the Total Premiums Paid till the date of death or the Surrender Value available as on the date of death whichever is higher'.","quote":"No benefit shall be payable if the Insured Member commits suicide, whether sane or insane, within 12 months from the Effective Coverage Date or from the date of revival of the Insured Member’s coverage, as applicable.","sources":[{"clause":"6.5.1","heading":"Suicide Exclusion","page":6,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-critical-illness-110n189v01/document/16698#c-6-5-1"},{"clause":"Row 1(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-critical-illness-110n189v01/document/16269#c-row-1-a-2"},{"clause":"Row 1(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-critical-illness-110n189v01/document/16269#c-row-1-b"}],"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 CIS states surrender benefits are NA.","display":"Surrender Benefits: NA","note":null,"quote":"• Surrender Benefits: NA","sources":[{"clause":"Row 5","heading":"Policy Coverage/ Benefits Payable","page":1,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-critical-illness-110n189v01/document/16208#c-row-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":"The policy states that the Non-Forfeiture Benefit is not payable in this plan.","display":"Non-Forfeiture Benefit shall not be payable","note":null,"quote":"The Non-Forfeiture Benefit shall not be payable in this plan.","sources":[{"clause":"5(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-critical-illness-110n189v01/document/16698#c-5-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":"The Revival Period is defined as five consecutive years from discontinuance. For the Yearly Renewable Term process, renewal within 150 days and renewal after 150 days from the end of the yearly renewable term have separate conditions.","display":"Revival Period: five consecutive years; YRT renewal conditions use 150 days","note":null,"quote":"“Revival Period” means the period of five consecutive years from the date of discontinuance of the Policy, during which period the Policyholder is entitled to revive the Policy which is discontinued due to the non-payment of Premium. ... Such coverage may be revived within the Revival Period, and the coverage shall be restored from the date of revival and the Premium will be collected accordingly. ... If the Policy is renewed within 150 days from the end of the yearly renewable term, the Revival will be subject to the following conditions: ... If the Policy is renewed after 150 days from the end of the yearly renewable term, the Revival will be subject to the following conditions:","sources":[{"clause":"2.1","heading":"Basic definitions","page":1,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-critical-illness-110n189v01/document/16698#c-2-1"},{"clause":"5","heading":"In case of surrender of Group Policy, there is","page":3,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-critical-illness-110n189v01/document/16698#c-5"},{"clause":"5(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-critical-illness-110n189v01/document/16698#c-5-b"}],"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":"Loan facility is not allowed","note":null,"quote":"4.3. Loan Loan facility is not allowed under this Plan.","sources":[{"clause":"5(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-critical-illness-110n189v01/document/16698#c-5-b"}],"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 policy of life insurance shall be called in question on any ground after 3 years from 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 the grounds and materials.","display":"Cannot be questioned after 3 yrs; fraud or material misstatement within 3 years","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\nd) the date of rider to the Policy\nwhichever is later. ... On the ground of fraud, a Policy of Life\nInsurance may 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\nwhichever 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\nwithin 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 in","page":27,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-critical-illness-110n189v01/document/16698#c-01-2"},{"clause":"02","heading":"On the ground of fraud, a Policy of Life","page":27,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-critical-illness-110n189v01/document/16698#c-02-2"},{"clause":"06","heading":"Life Insurance Policy can be called in question","page":27,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-critical-illness-110n189v01/document/16698#c-06"}],"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 documents state that applicable taxes, duties, surcharge, cesses or levies are borne by the Policyholder/Insured Member, but do 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":"conflicting","value":{"unit":"days","amount":15},"display":"15 days","note":"CIS says: 'The MPH/ Insured Member has a free look period of 30 days whether received electronically or otherwise from the date of receipt of the Policy Document/ Certificate of Insurance'.","quote":"The Master Policy Holder shall have a free look period of 15 days whether received electronically or otherwise from the date of receipt of the Policy Document to review the terms and conditions of the Policy Document","sources":[{"clause":"5","heading":"In case of surrender of Group Policy, there is","page":3,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-critical-illness-110n189v01/document/16698#c-5"},{"clause":"13","heading":"Unreasonable failure to seek or follow medical advice or","page":3,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-critical-illness-110n189v01/document/16208#c-13"}],"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":"conflicting","value":{"unit":"days","amount":15},"display":"15 days for monthly mode; 30 days for all other modes","note":"CIS says: '11 | Grace Period | N/A'.","quote":"3.1.6. Grace Period 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 coverage will remain in force during this period.","sources":[{"clause":"5","heading":"In case of surrender of Group Policy, there is","page":3,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-critical-illness-110n189v01/document/16698#c-5"},{"clause":"13","heading":"Unreasonable failure to seek or follow medical advice or","page":3,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-critical-illness-110n189v01/document/16208#c-13"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"The sales brochure states Min/Max Entry Age as 18/70 Years.","display":"18/70 Years","note":"From the sales brochure.","quote":"Min/Max Entry Age | 18/70 Years","sources":[{"clause":null,"heading":"Eligibility Criteria","page":3,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-critical-illness-110n189v01/document/16269#c-eligibility-criteria"}],"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":["monthly","quarterly","half-yearly","annual"],"display":"monthly, quarterly, half-yearly or annual","note":null,"quote":"Premiums may be paid monthly, quarterly, half-yearly or annual mode at the Premium rates applicable on the Date of Commencement of Policy.","sources":[{"clause":"5","heading":"In case of surrender of Group Policy, there is","page":3,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-critical-illness-110n189v01/document/16698#c-5"}],"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":["OYRT"],"display":"OYRT","note":null,"quote":"• Premium Payment Term: OYRT • Policy Term: 1 Year","sources":[{"clause":"Row 4","heading":"Basic Policy Details","page":1,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-critical-illness-110n189v01/document/16208#c-row-4"}],"law":[]},{"key":"illness_count","label":"Number of illnesses covered","section":"Cover","meaning":"How many critical illnesses are listed. The definitions matter more than the count.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"illness_list","label":"Illnesses covered","section":"Cover","meaning":"The listed illnesses. Standard definitions are set by IRDAI.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"payout","label":"Payout","section":"Cover","meaning":"Lump sum on diagnosis, staged payouts by severity, or reimbursement.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"survival_period","label":"Survival period","section":"Waiting periods","meaning":"Days you must survive after diagnosis before the money is paid.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"multiple_claims","label":"Multiple claims","section":"Cover","meaning":"Whether you can claim for more than one illness.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"ped_waiting","label":"Pre-existing conditions","section":"Waiting periods","meaning":"Whether an illness you already had can ever be claimed: after a waiting period, or never.","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 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]}],"documents":[{"kind":"wording","label":"Policy Document","pages":28,"fetched_at":"2026-10-17 20:15:11+00","source_url":"https://www.tataaia.com/content/dam/tataaialifeinsurancecompanylimited/life-insurance-plans/group-insurance-solutions/group-critical-illness/Tata-AIA-Group-Critical-Illness-PD.pdf","url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-critical-illness-110n189v01/document/16698"},{"kind":"cis","label":"Customer Information Sheet","pages":7,"fetched_at":"2026-10-17 20:06:00+00","source_url":"https://www.tataaia.com/content/dam/tataaialifeinsurancecompanylimited/life-insurance-plans/group-insurance-solutions/group-critical-illness/Group-Critical-Illness-110N189V01-CIS.pdf","url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-critical-illness-110n189v01/document/16208"},{"kind":"brochure","label":"Brochure","pages":4,"fetched_at":"2026-10-17 20:07:22+00","source_url":"https://www.tataaia.com/content/dam/tataaialifeinsurancecompanylimited/life-insurance-plans/group-insurance-solutions/group-critical-illness/Group-Critical-Illness-Brochure-V1.pdf","url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-critical-illness-110n189v01/document/16269"}],"versions":[],"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 Critical Illness (UIN 110N189V01), IndiaInsurances, https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-life-insurance-group-critical-illness-110n189v01"}