{"uin":"110N208V03","name":"Tata AIA Shubh Maha Life","url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-shubh-maha-life-110n208v03","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":"savings-life","category_name":"Endowment and savings plans","irdai_type":"Product","kind":"product","status":"active","approved_on":"2025-07-29","withdrawn_on":null,"summary":"Tata AIA Shubh Maha Life is a non-linked participating individual life insurance plan with Lumpsum, Deferred Income and Retirement Income options. Death benefit is based on Sum Assured on Death plus applicable bonuses, and the policy offers surrender value, reduced paid-up value, revival and policy loan features.","analysis":{"state":"machine","analysed_at":"2026-10-19 23:07:02.589352+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":["Option 1 – Lumpsum","Option 2 – Deferred Income","Option 3 – Retirement Income"],"display":"Option 1 – Lumpsum; Option 2 – Deferred Income; Option 3 – Retirement Income","note":"The policyholder may choose either one or more options at purchase, and options once chosen cannot be altered later.","quote":"The plan offers the following benefit options to choose from:\n• Option 1 – Lumpsum\n• Option 2 – Deferred Income\n• Option 3 – Retirement Income","sources":[{"clause":"3.1","heading":"Benefits","page":2,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-shubh-maha-life-110n208v03/document/16657#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 refers to the Policy Term and Policy Schedule but does not print the available policy-term choices.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"All death claims must be notified in writing within 90 days; supporting forms and documents must also be submitted within 90 days after the insured event unless specified otherwise.","display":"Death claims: notify within 90 days; submit forms and supporting documents within 90 days after the insured event","note":"The company may condone delay on merit where the delay is proved to be beyond the claimant's control.","quote":"Notice of Claim – All cases of death must be notified, within a period of 90 days, to us in writing. ... Appropriate forms and supporting documents must be submitted, at the Claimant’s expenses, within 90 days after the date the Insured event happens, unless specified otherwise.","sources":[{"clause":null,"heading":"6.8. Claims","page":19,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-shubh-maha-life-110n208v03/document/16657#c-6-8-claims"}],"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":"not-stated","value":null,"display":null,"note":"The wording mentions interest for delay beyond the extant regulatory timeline but does not print the death-claim settlement timeline.","quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["death due to suicide within 12 (twelve) months from the Date of Commencement of Risk under the Policy or from the date of revival","A waiting period of 90 days is applicable on the first diagnosis of any of the illness covered under this benefits"],"display":"Suicide within 12 months is limited to at least 80% of total premiums paid or surrender value, whichever is higher; Waiver of Premium on Critical Illness has a 90-day waiting period.","note":"The 90-day waiting period is for the optional Waiver of Premium on Critical Illness benefit; no waiting period applies for Critical Illness claims arising due to an accident.","quote":"In case of death due to suicide within 12 (twelve) months from the Date of Commencement of Risk under the Policy or from the date of revival of the Policy, as applicable, the Claimant shall be entitled to at least 80% of the Total Premiums Paid till the date of death or the Surrender Value available as on the date of death (if applicable) whichever is higher, provided the Policy is in force. ... A waiting period of 90 days is applicable on the first diagnosis of any of the illness covered under this benefits.\nIn the event of occurrence of any of the Critical Illness mentioned under Clause 3.2 ‘Waiver of Premium on Critical Illness’, during the applicable waiting period:\n• No premium shall be waived off.","sources":[{"clause":"6.2.1","heading":"Suicide Exclusion","page":18,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-shubh-maha-life-110n208v03/document/16657#c-6-2-1"},{"clause":"6.2.2","heading":"Waiting Period","page":18,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-shubh-maha-life-110n208v03/document/16657#c-6-2-2"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"Register grievances with Tata AIA through the helpline, complaints email, online policy account, branch/CAMS service centre, agent/distributor or by writing to the Customer Service Department. If not satisfied or no response within the stipulated timeline, escalate to the Grievance Redressal Officer before approaching IRDAI or the Insurance Ombudsman.","display":"Complain first to Tata AIA Customer Service; if not satisfied, escalate to the Grievance Redressal Officer at GRO@tataaia.com.","note":"The company says it will provide resolution within 14 days of receipt of the grievance.","quote":"Customers can register their grievances through Multiple Service Avenues:\n• Call our helpline number 1-860-266- 9966 (Call charges apply)\n• Email us at life.complaints@tataaia.com\n• Login to online Policy account on www.tataaia.com\n• Visit any of the nearest Tata AIA Life branches or CAMS Service Centers\n• Contact your Tata AIA Life Agent / Distributor\n• Write to us on the following address: ... In case customers are not satisfied with the resolution provided by the Company, or has not received any response within the stipulated timelines, they may contact the following officials for resolution:\n• Level of Escalation: Grievance Redressal Officer (GRO) - A senior member at corporate office of the Company shall be designated as the GRO.\nFor escalations, customers can email to GRO@tataaia.com","sources":[{"clause":null,"heading":"GRIEVANCE REDRESSAL PROCEDURE 1) Resolution of Grievances","page":21,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-shubh-maha-life-110n208v03/document/16657#c-grievance-redressal-procedure-1-resolution-of-gr"},{"clause":null,"heading":"2) Escalation Mechanism","page":22,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-shubh-maha-life-110n208v03/document/16657#c-2-escalation-mechanism"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_assured","label":"Sum assured","section":"Cover","meaning":"The minimum and maximum life cover, or the rule that sets it (for example 10 times the annual premium).","status":"quote-verified","value":"Basic Sum Assured on Death is 11 x Annualised Premium. Higher Sum Assured on Death is Death Benefit Multiple x Annualised Premium during the Higher Cover Period, Sum Assured on Death is the maximum of the higher and basic amounts, and Sum Assured on Maturity is Maturity Benefit Multiple x Annualised Premium.","display":"Death cover: max of DBM x Annualised Premium and 11 x Annualised Premium; maturity sum assured: MBM x Annualised Premium","note":"The wording does not print minimum and maximum rupee limits.","quote":"“Basic Sum Assured on Death” is equal to the 11 x Annualised Premium ... “Higher Sum Assured on Death” is equal to the Death Benefit Multiple (DBM) x Annualised Premium and is applicable till Higher Cover Period ... “Sum Assured on Death” is defined as maximum of Higher Sum Assured on Death and Basic Sum Assured on Death. ... “Sum Assured on Maturity” means an absolute amount of benefit which is guaranteed to become payable at the end of the Policy term i.e., on Date of Maturity of Policy. It is equal to Maturity Benefit Multiple (MBM) × Annualised Premium.","sources":[{"clause":"2.1","heading":"Basic definitions","page":1,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-shubh-maha-life-110n208v03/document/16657#c-2-1"}],"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":"On death during the policy term while the policy is in force and all due premiums have been paid, the claimant receives Sum Assured on Death plus accrued reversionary or simple reversionary bonus, interim bonus and terminal bonus if applicable. The minimum death benefit is 105% of total premiums paid, and the income options also pay the balance in the Sub-wallet if any.","display":"Sum Assured on Death plus accrued bonus, interim bonus and terminal bonus, with a minimum of 105% of total premiums paid; balance in Sub-wallet is also payable under income options.","note":"Option 1 uses accrued reversionary bonus; Options 2 and 3 use accrued simple reversionary bonus and may include the Sub-wallet balance.","quote":"On death of the Life Insured during the Policy Term, We shall pay the death benefit as outlined below, in lumpsum to the Claimant provided the Policy is in-force and all due premiums have been paid:\n• Sum Assured on Death,\n• plus | Accrued | Simple\nReversionary Bonus (if any),\n• plus Interim Bonus (if any), and\n• plus Terminal Bonus on Death (if declared)\nThe minimum Death Benefit shall be 105% of Total Premiums Paid (excluding modal loadings) as on the date of death.\nAdditionally, the balance in the Sub-wallet, if any, shall also be payable.","sources":[{"clause":"3.1.3(a)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-shubh-maha-life-110n208v03/document/16657#c-3-1-3-a"}],"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":"On maturity, Option 1 pays Sum Assured on Maturity plus accrued reversionary bonus if any and terminal bonus if declared. Options 2 and 3 pay Sum Assured on Maturity plus accrued simple reversionary bonus if any, balance in Sub-wallet if any, and terminal bonus if declared.","display":"Option 1: Sum Assured on Maturity plus accrued reversionary bonus and terminal bonus. Options 2 and 3: Sum Assured on Maturity plus accrued simple reversionary bonus, Sub-wallet balance and terminal bonus.","note":"Option 3 has the same maturity components as Option 2: Sum Assured on Maturity, accrued simple reversionary bonus, balance in Sub-wallet and terminal bonus.","quote":"c) Maturity Benefit Below benefit (as applicable) shall be payable, provided the Policy is in-force and all due premiums have been paid: o Sum Assured on Maturity, o plus Accrued Reversionary Bonus, if any, and o plus Terminal Bonus on Maturity (if declared) ... c) Maturity Benefit Below benefit (as applicable) shall be payable, provided the Policy is in-force and all due premiums have been paid: o Sum Assured on Maturity,\no plus | Accrued | Simple\nReversionary Bonus*, if any o plus Balance in Sub-wallet (if\nany) o plus Terminal Bonus on Maturity (if declared).","sources":[{"clause":"3.1.1(c)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-shubh-maha-life-110n208v03/document/16657#c-3-1-1-c"},{"clause":"3.1.2(c)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-shubh-maha-life-110n208v03/document/16657#c-3-1-2-c"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"not-stated","value":null,"display":null,"note":"The wording refers to Premium Payment Term but does not print the available premium-paying-term choices.","quote":null,"sources":[],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"not-stated","value":null,"display":null,"note":"The wording does not print the maximum maturity age.","quote":null,"sources":[],"law":[]},{"key":"suicide_clause","label":"Suicide clause","section":"Exclusions","meaning":"What is paid if death is by suicide within the first 12 months.","status":"quote-verified","value":"If death is due to suicide within 12 months from commencement of risk or revival, the claimant is entitled to at least 80% of total premiums paid till death or the surrender value available on the date of death, whichever is higher, provided the policy is in force. After that payment, the policy terminates and no further benefits are payable.","display":"Suicide within 12 months: at least 80% of total premiums paid or surrender value, whichever is higher.","note":null,"quote":"In case of death due to suicide within 12 (twelve) months from the Date of Commencement of Risk under the Policy or from the date of revival of the Policy, as applicable, the Claimant shall be entitled to at least 80% of the Total Premiums Paid till the date of death or the Surrender Value available as on the date of death (if applicable) whichever is higher, provided the Policy is in force. Upon such payment, the Policy shall terminate, and no further benefits shall be payable.","sources":[{"clause":"6.2.1","heading":"Suicide Exclusion","page":18,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-shubh-maha-life-110n208v03/document/16657#c-6-2-1"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 21","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 35","url":"https://indiainsurances.com/law/irdai-life-products-2024"}]},{"key":"surrender","label":"Surrender value","section":"Renewal and rights","meaning":"What you get if you stop the policy early, and from when.","status":"quote-verified","value":"The policy acquires surrender value immediately after at least 1 full year's premium is paid when Regular/Limited Pay premium payment term is less than 5, and upon completion of one policy year with one full year's premium paid when the premium payment term is 5 or more. The surrender value payable is the higher of Guaranteed Surrender Value and Special Surrender Value.","display":"Surrender value: after 1 full year's premium; payable immediately for PPT <5 and after completion of one policy year for PPT >=5. Payable value is higher of GSV and SSV.","note":"If more than one plan option is chosen, a single option cannot be surrendered alone.","quote":"The Policy shall acquire paid-up value, i.e., Surrender Value basis the Premium Payment Term as defined below.\n• Regular/Limited Pay with Premium Payment Term <5: Payable immediately provided at least 1 full year’s premium has been paid\n• Regular/Limited Pay with Premium Payment Term >=5: Payable upon completion of one Policy Year, provided one full years’ premium is paid.\nThe surrender value payable shall be higher of the Guaranteed Surrender Value (GSV) and Special Surrender Value (SSV).","sources":[{"clause":"4.2.1","heading":"Surrender Benefit","page":13,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-shubh-maha-life-110n208v03/document/16657#c-4-2-1"}],"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":"Reduced Paid-up is the default non-forfeiture benefit once the policy has acquired surrender value and premiums remain unpaid after the grace period. Reduced paid-up death and maturity benefits use the relevant Sum Assured multiplied by the RPU Factor plus applicable accrued bonuses and terminal bonus; income options may also include Sub-wallet balance and survival benefits as described.","display":"Reduced paid-up applies after surrender value is acquired and premiums remain unpaid after grace; benefits are reduced by the RPU Factor plus applicable bonuses.","note":"Reduced paid-up benefit formula differs by Option 1, Option 2 and Option 3; Waiver of Premium Benefit ceases once the policy acquires reduced paid-up status.","quote":"Provided the Policy has acquired Surrender Value, if subsequent Premium remain unpaid at the end of Grace Period, the Policy will be ... Reduced Paid-up Policy is a default non-forfeiture benefit. Reduced Paid-Up Policy, shall continue as Reduced Paid-up Policy unless revived within Revival Period by payment of all due Premiums together with interest as mentioned in Clause 4.4 (“Revival”) of Part D. ... Death Benefit | Sum Assured on Death x RPU Factor, plus Accrued Reversionary Bonus, if any, and plus Terminal Bonus (if declared) ... Maturity Benefit | Sum Assured on Maturity x RPU Factor plus Accrued Reversionary Bonus, if any, and plus Terminal Bonus (if declared).","sources":[{"clause":"4.3","heading":"Reduced Paid-up","page":14,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-shubh-maha-life-110n208v03/document/16657#c-4-3"},{"clause":"4.2.1","heading":"Surrender Benefit","page":13,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-shubh-maha-life-110n208v03/document/16657#c-4-2-1"},{"clause":"4.2.2","heading":"Lapsation of Policy","page":14,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-shubh-maha-life-110n208v03/document/16657#c-4-2-2"}],"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 policy in default beyond the grace period and not surrendered may be revived within five years after the due date of the first unpaid premium but before maturity, subject to written application, evidence of insurability and payment of all overdue premiums with interest.","display":"Revival period: 5 years after the due date of first unpaid premium, before maturity.","note":"The applicable revival interest rate is determined using the SBI domestic term deposit rate for tenure 1 year to less than 2 years plus 2%.","quote":"If there is default in Premium Payment beyond the Grace Period and subject to the Policy not having been surrendered, it may be reinstated/revived, in accordance with\nSurvival Benefit | Accrued Simple Reversionary Bonus will be paid in equal instalments post the end of Deferment Period (as defined below) until end of Policy Term as the pay-out frequency as chosen by the Policyholder.\nUnderwriting Policy within Revival Period of five years after the due date of first unpaid premium but before the Date of Maturity of Policy, subject to: (i) Your written application for reinstatement/revival; (ii) production of Insured’s current health certificate, medical documents/information and other evidence of insurability as per the Underwriting Policy; and\n(iii) payment of all overdue Premiums with interest.","sources":[{"clause":"4.4","heading":null,"page":15,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-shubh-maha-life-110n208v03/document/16657#c-4-4"}],"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":"A policy loan is available up to 80% of surrender value once the policy has acquired surrender value. The policy must be assigned to the company; interest applies, and outstanding loan and interest are recovered from claim proceeds.","display":"Loan up to 80% of Surrender Value after the policy acquires Surrender Value.","note":"The current loan interest rate printed in the wording is 9.00% p.a. compounding annually from 1st October 2025.","quote":"You may apply for a loan up to 80% of Surrender Value provided the Policy acquires Surrender Value. On availing loan, the Policy must be assigned to Us. ... If any amount of Policy loan is outstanding at the claim payout stage, the outstanding amount shall be recovered from the claim proceeds under the Policy.","sources":[{"clause":"4.5","heading":"Policy Loan","page":16,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-shubh-maha-life-110n208v03/document/16657#c-4-5"}],"law":[]},{"key":"riders_available","label":"Riders available","section":"Cover","meaning":"Optional add-ons such as accidental death, critical illness or waiver of premium.","status":"quote-verified","value":["Waiver of premium on accidental & total permanent disability","Waiver of premium on critical illness"],"display":"Waiver of premium on accidental & total permanent disability; Waiver of premium on critical illness","note":"These are optional benefits under the plan, not included as base benefits unless chosen.","quote":"The plan also offers the following optional benefits to choose from:\n• Waiver of premium on accidental & total permanent disability\n• Waiver of premium on critical illness","sources":[{"clause":null,"heading":"Waiver of Premium","page":4,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-shubh-maha-life-110n208v03/document/16657#c-waiver-of-premium"}],"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 into question on any ground after 3 years from the later of policy issuance, commencement of risk, revival or rider date. Within 3 years it may be questioned on grounds including fraud, with written communication of the grounds and materials.","display":"After 3 years, policy cannot be questioned on any ground; within 3 years, it may be questioned for fraud with written grounds and materials.","note":null,"quote":"No Policy of Life Insurance shall be called in\nquestion on any ground whatsoever after expiry of 3 yrs from\na) the date of issuance of Policy or\nb) the date of commencement of risk or\nc) the date of revival of Policy or\nd) the date of rider to the Policy whichever 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 whichever is later.\nFor this, the insurer should communicate in writing to the Life Insured or legal representative or nominee or assignees of insured, as applicable, mentioning the ground and materials on which such decision is based.","sources":[{"clause":"01","heading":"No Policy of Life Insurance shall be called in","page":30,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-shubh-maha-life-110n208v03/document/16657#c-01-3"},{"clause":"02","heading":"On the ground of fraud, a Policy of Life","page":31,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-shubh-maha-life-110n208v03/document/16657#c-02-3"}],"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 wording only states that premiums and interest are exclusive of applicable taxes and 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 after you receive the Policy document","note":"Refund is of premiums paid without interest after deducting proportionate risk premium for period on cover, stamp duty and medical examination costs, with recovery of any survival benefit already paid.","quote":"Such notice must be signed by You and received directly by the Company within 30 days after You receive the Policy document sourced through electronic mode or otherwise.","sources":[{"clause":"4.2.1","heading":"Surrender Benefit","page":13,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-shubh-maha-life-110n208v03/document/16657#c-4-2-1"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days; 15 days for monthly mode","note":"Monthly premium mode has a 15-day grace period; all other modes have 30 days.","quote":"The grace period for payment of the premium for all types of life insurance policies shall be 15 days, where the Policyholder pays the premium on a monthly basis and 30 days in all other cases.","sources":[{"clause":"2.1","heading":"Basic definitions","page":1,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-shubh-maha-life-110n208v03/document/16657#c-2-1"}],"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 print the minimum and maximum entry ages for buying the policy.","quote":null,"sources":[],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["monthly","quarterly","half-yearly","annual"],"display":"Monthly, quarterly, half-yearly or annual","note":"The policy allows change in premium-payment frequency by written request, subject to minimum premium requirements.","quote":"Premiums may be paid on monthly, quarterly, half-yearly or annual mode at the Premium rates applicable on the Date of Commencement of Policy.","sources":[{"clause":"3.4.1","heading":"Change of Frequency of Premium Payment","page":10,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-shubh-maha-life-110n208v03/document/16657#c-3-4-1"}],"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"],"display":"Regular/Limited Pay","note":"The wording uses Regular/Limited Pay in the non-forfeiture provisions but does not print a separate premium-payment-type eligibility table.","quote":"• Regular/Limited Pay with Premium Payment Term <5: Payable immediately provided at least 1 full year’s premium has been paid\n• Regular/Limited Pay with Premium Payment Term >=5: Payable upon completion of one Policy Year, provided one full years’ premium is paid.","sources":[{"clause":"4.2.1","heading":"Surrender Benefit","page":13,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-shubh-maha-life-110n208v03/document/16657#c-4-2-1"}],"law":[]},{"key":"guaranteed_benefits","label":"Guaranteed benefits","section":"Cover","meaning":"What is guaranteed, in rupees or as a formula, regardless of the insurer's performance.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"bonus","label":"Bonus type","section":"Cover","meaning":"Participating plans share profits as bonuses; these are NOT guaranteed.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"illustration_returns","label":"Illustrated returns","section":"Cover","meaning":"The benefit illustration at the IRDAI rates (4% and 8%); not a promise.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"money_back","label":"Survival or money-back payouts","section":"Cover","meaning":"Instalments paid during the term.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Tata AIA Shubh Maha Life 110N208V03 T&C","pages":31,"fetched_at":"2026-10-17 20:14:27+00","source_url":"https://www.tataaia.com/content/dam/tataaialifeinsurancecompanylimited/pdf/download-centre/english/withdrawn-plans/tata-aia-shubh-maha-life/Shubh-Maha-Life-110N208V03-TandC.pdf","url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-shubh-maha-life-110n208v03/document/16657"},{"kind":"wording","label":"Tata AIA Shubh Maha Life 110N208V01 T&C","pages":41,"fetched_at":"2026-10-17 20:14:28+00","source_url":"https://www.tataaia.com/content/dam/tataaialifeinsurancecompanylimited/pdf/download-centre/english/withdrawn-plans/tata-aia-shubh-maha-life/Shubh-Mahalife-110N208V01-TandC.pdf","url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-shubh-maha-life-110n208v03/document/16658"}],"versions":[{"uin":"110N208V01","version":null,"approved_on":null},{"uin":"110N208V03","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 Shubh Maha Life (UIN 110N208V03), IndiaInsurances, https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-shubh-maha-life-110n208v03"}