{"uin":"111B044V01","name":"SBI Life - Group Accidental Total Permanent Disability Rider_Terms & Conditions","url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-total-permanent-disability-rider-terms-and-conditions-111b044v01","insurer":{"slug":"sbi-life-insurance","name":"SBI Life Insurance Company Limited","url":"https://indiainsurances.com/insurer/sbi-life-insurance"},"line":"life","category":"group-health","category_name":"Group health","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"This is a group accidental total permanent disability rider that pays the rider sum assured on total permanent disability due to accident. The rider has no death benefit, no maturity benefit, and a 30-day free-look period as per the CIS.","analysis":{"state":"machine","analysed_at":"2026-10-20 01:56:59.19161+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"1 year; the rider term should be equal to the outstanding policy term of the base policy to which it is attached.","display":"1 year; rider term equal to the outstanding policy term of the base policy","note":"From the brochure.","quote":"Policy Term & | 1 year\nPremium Payment The Rider term should be equal to the outstanding policy Term term of the base policy to which it is attached.","sources":[{"clause":null,"heading":"Eligibility Criteria","page":2,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-total-permanent-disability-rider-terms-and-conditions-111b044v01/document/15416#c-eligibility-criteria"}],"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":"The claimant must give written notification of the claim at the earliest possible time, specifying at least the COI number and details of the cause and date of disability.","display":"Written notification at the earliest possible time","note":null,"quote":"On the occurrence of an event giving rise to a claim under this Rider, the Claimant shall give Us a written notification of the claim at the earliest possible time. This written notification shall specify at least the COI number and provide details in relation to the cause and date of disability.","sources":[{"clause":"1.1","heading":null,"page":5,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-total-permanent-disability-rider-terms-and-conditions-111b044v01/document/15388#c-1-1-3"}],"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":["Rider Document","Claimant’s statement and claim forms in prescribed formats","Duly attested copies of First Information Report (FIR)","Copy of Medico-legal Case (MLC) report / certificate","Disability certificate issued by civil surgeon or equivalent appointed by the District/State or Government Board","Fully filled in Family Physician Statement, Last Attending Physician statement","KYC of claimant","Valid bank account proof of Claimant (copy of cancelled cheque/copy of bank pass book/Bank statement)"],"display":"Rider Document; claimant’s statement and claim forms; FIR; MLC/disability/physician statements; KYC; bank proof","note":"The insurer may call for other documents or information if necessary.","quote":"In order to process the claim, We will require the following documents ... Rider Document; ... Claimant’s statement and claim forms in prescribed formats; ... Duly attested copies of First Information Report (FIR); ... Copy of Medico-legal Case (MLC) report / certificate; Disability certificate issued by civil surgeon or equivalent appointed by the District/State or Government Board; Fully filled in Family Physician Statement, Last Attending Physician statement; ... KYC of claimant ... Valid bank account proof of Claimant (copy of cancelled cheque/copy of bank pass book/Bank\nstatement)","sources":[{"clause":"1.2","heading":"In order to process the claim, We will require the following documents","page":5,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-total-permanent-disability-rider-terms-and-conditions-111b044v01/document/15388#c-1-2-5"},{"clause":"1.2.1","heading":null,"page":5,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-total-permanent-disability-rider-terms-and-conditions-111b044v01/document/15388#c-1-2-1-2"},{"clause":"1.2.2","heading":null,"page":5,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-total-permanent-disability-rider-terms-and-conditions-111b044v01/document/15388#c-1-2-2-3"},{"clause":"1.2.3","heading":null,"page":6,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-total-permanent-disability-rider-terms-and-conditions-111b044v01/document/15388#c-1-2-3-2"},{"clause":"1.2.4","heading":null,"page":6,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-total-permanent-disability-rider-terms-and-conditions-111b044v01/document/15388#c-1-2-4-2"},{"clause":"1.2.5","heading":"KYC of claimant","page":6,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-total-permanent-disability-rider-terms-and-conditions-111b044v01/document/15388#c-1-2-5-2"},{"clause":"1.2.6","heading":"Valid bank account proof of Claimant (copy of cancelled cheque/copy of bank pass book/Bank","page":6,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-total-permanent-disability-rider-terms-and-conditions-111b044v01/document/15388#c-1-2-6"}],"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 CIS points to a Turn Around Time URL, but the supplied clauses do not state a claim settlement time.","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":["Infection: Disability caused or contributed to by any infection, except infection caused by an external visible wound accidentally sustained.","Drug Abuse: Life assured under the influence of Alcohol or solvent abuse or use of drugs except under the direction of a registered Medical Practitioner.","Self-inflicted Injury: Intentional self- Inflicted Injury including the injuries arising out of attempted suicide.","Criminal acts: Life assured involvement in Criminal and/or unlawful acts with criminal or unlawful intent.","War and Civil Commotion: War, invasion, hostilities, (whether war is declared or not), civil war, rebellion, revolution, act of foreign enemy, armed or unarmed truce, mutiny, rebellion, strikes or taking part in a riot or civil commotion.","Services: Taking part in any naval, military or air force operation during peace time or during service in any police, paramilitary or any similar organisation;","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.","Aviation: Life assured participation in any flying activity, other than as a passenger in a commercially licensed aircraft.","Hazardous sports and pastimes: Engaging in or taking part in professional sport(s) or any hazardous pursuits, including but not limited to, diving or riding or any kind of race; underwater activities involving the use of breathing apparatus or not; martial arts; hunting; mountaineering; parachuting; bungee-jumping."],"display":"Infection; Drug Abuse; Self-inflicted Injury; Criminal acts; War and Civil Commotion; Services; Nuclear Contamination; Aviation; Hazardous sports and pastimes","note":null,"quote":"Exclusions: The Accidental Total and Permanent Disability cover rider shall not be payable in case of disability arising from or due to the consequences of or occurring during the events as specified below. ... Infection: Disability caused or contributed to by any infection, except infection caused by an external visible wound accidentally sustained. ... Drug Abuse: Life assured under the influence of Alcohol or solvent abuse or use of drugs except under the direction of a registered Medical Practitioner. ... Self-inflicted Injury: Intentional self- Inflicted Injury including the injuries arising out of attempted suicide. ... Criminal acts: Life assured involvement in Criminal and/or unlawful acts with criminal or unlawful intent. ... War and Civil Commotion: War, invasion, hostilities, (whether war is declared or not), civil war, rebellion, revolution, act of foreign enemy, armed or unarmed truce, mutiny, rebellion, strikes or taking part in a riot or civil commotion. ... Services: Taking part in any naval, military or air force operation during peace time or during service in any police, paramilitary or any similar organisation; ... 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. ... Aviation: Life assured participation in any flying activity, other than as a passenger in a commercially licensed aircraft. ... Hazardous sports and pastimes: Engaging in or taking part in professional sport(s) or any hazardous pursuits, including but not limited to, diving or riding or any kind of race; underwater activities involving the use of breathing apparatus or not; martial arts; hunting; mountaineering; parachuting; bungee-jumping.","sources":[{"clause":"12","heading":"Exclusions","page":5,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-total-permanent-disability-rider-terms-and-conditions-111b044v01/document/15388#c-12"},{"clause":"12.1","heading":"Infection","page":5,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-total-permanent-disability-rider-terms-and-conditions-111b044v01/document/15388#c-12-1"},{"clause":"12.2","heading":"Drug Abuse","page":5,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-total-permanent-disability-rider-terms-and-conditions-111b044v01/document/15388#c-12-2"},{"clause":"12.3","heading":"Self-inflicted Injury","page":5,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-total-permanent-disability-rider-terms-and-conditions-111b044v01/document/15388#c-12-3"},{"clause":"12.4","heading":"Criminal acts","page":5,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-total-permanent-disability-rider-terms-and-conditions-111b044v01/document/15388#c-12-4"},{"clause":"12.5","heading":"War and Civil Commotion","page":5,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-total-permanent-disability-rider-terms-and-conditions-111b044v01/document/15388#c-12-5"},{"clause":"12.6","heading":"Services","page":5,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-total-permanent-disability-rider-terms-and-conditions-111b044v01/document/15388#c-12-6"},{"clause":"12.7","heading":"Nuclear Contamination","page":5,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-total-permanent-disability-rider-terms-and-conditions-111b044v01/document/15388#c-12-7"},{"clause":"12.8","heading":"Aviation","page":5,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-total-permanent-disability-rider-terms-and-conditions-111b044v01/document/15388#c-12-8"},{"clause":"12.9","heading":"Hazardous sports and pastimes","page":5,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-total-permanent-disability-rider-terms-and-conditions-111b044v01/document/15388#c-12-9"}],"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":"First contact SBI Life’s Grievance Redressal Officer at the Central Processing Centre, Seawoods Grand Central, Navi Mumbai, telephone 022-6645 6200, email wecare@sbilife.co.in, or register through the insurer’s grievance portal.","display":"Grievance Redressal Officer, SBI Life Central Processing Centre; tel. 022-6645 6200; email wecare@sbilife.co.in; portal https://www.sbilife.co.in/en/grievances","note":null,"quote":"Contact details of Grievance Redressal Officer: SBI Life Insurance Company Limited Central Processing Centre, 7th Level (D Wing) & 8th Level, Seawoods Grand Central, Tower 2, Plot No R-1, Sector - 40, Seawoods, Nerul Node, Navi Mumbai - 400706 Telephone No. 022-6645 6200 Email: wecare@sbilife.co.in ... Link for registering the grievance with the insurer’s portal: https://www.sbilife.co.in/en/grievances","sources":[{"clause":null,"heading":"Public","page":2,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-total-permanent-disability-rider-terms-and-conditions-111b044v01/document/15513#c-public"}],"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":"Minimum `10,000 per member and maximum `1,50,00,000 per member. The maximum rider sum assured shall not exceed the sum assured of the insured member under the base policy.","display":"Minimum `10,000 per member; Maximum `1,50,00,000 per member","note":"From the brochure.","quote":"Sum Assured | Minimum: `10,000 per member\nMaximum: `1,50,00,000 per member The Maximum Rider Sum Assured shall not exceed the Sum Assured of the Insured Member under the base policy to which it is attached.","sources":[{"clause":null,"heading":"Eligibility Criteria","page":2,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-total-permanent-disability-rider-terms-and-conditions-111b044v01/document/15416#c-eligibility-criteria"}],"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":"Not Applicable.","display":"Not Applicable.","note":null,"quote":"Death Benefit ... Not Applicable.","sources":[{"clause":null,"heading":"Death Benefit","page":4,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-total-permanent-disability-rider-terms-and-conditions-111b044v01/document/15388#c-death-benefit"}],"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":"Not Applicable.","display":"Not Applicable.","note":null,"quote":"Maturity Benefit ... Not Applicable","sources":[{"clause":"3","heading":"Maturity Benefit","page":4,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-total-permanent-disability-rider-terms-and-conditions-111b044v01/document/15388#c-3-2"},{"clause":"3.1","heading":"Not Applicable","page":4,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-total-permanent-disability-rider-terms-and-conditions-111b044v01/document/15388#c-3-1-2"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"quote-verified","value":"1 year; the rider term should be equal to the outstanding policy term of the base policy to which it is attached.","display":"1 year","note":"From the brochure.","quote":"Policy Term & | 1 year\nPremium Payment The Rider term should be equal to the outstanding policy Term term of the base policy to which it is attached.","sources":[{"clause":null,"heading":"Eligibility Criteria","page":2,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-total-permanent-disability-rider-terms-and-conditions-111b044v01/document/15416#c-eligibility-criteria"}],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"quote-verified","value":"Maximum maturity age is 66 Years.","display":"Maximum: 66 Years","note":"From the brochure. Age is as on last birthday.","quote":"Maturity Age* | Minimum: 19 Years | Maximum: 66 Years","sources":[{"clause":null,"heading":"Eligibility Criteria","page":2,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-total-permanent-disability-rider-terms-and-conditions-111b044v01/document/15416#c-eligibility-criteria"}],"law":[]},{"key":"suicide_clause","label":"Suicide clause","section":"Exclusions","meaning":"What is paid if death is by suicide within the first 12 months.","status":"quote-verified","value":"Suicide claim provision is not applicable.","display":"Not Applicable.","note":null,"quote":"Suicide Claim Provision: Not Applicable.","sources":[{"clause":"11","heading":"Suicide Claim Provision","page":5,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-total-permanent-disability-rider-terms-and-conditions-111b044v01/document/15388#c-11"}],"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 rider may be surrendered at any time during the rider term. On surrender, unexpired risk premium is payable, calculated as (80% x Premium) x [Unexpired covered days / Total covered days].","display":"Unexpired Risk Premium payable on surrender","note":"If the rider premium was paid by the Master Policyholder the unexpired risk premium is paid to the Master Policyholder; if paid by the member it is paid to the member.","quote":"The Rider may be surrendered by the master policyholder / member at any time during the Rider Term with or without the surrender of the Base Policy. ... On surrender by master policyholder / member Unexpired Risk Premium will be payable. ... Unexpired Risk Premium = (80% x Premium*) x [Unexpired covered days## / Total covered\ndays#]","sources":[{"clause":"2.1","heading":null,"page":6,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-total-permanent-disability-rider-terms-and-conditions-111b044v01/document/15388#c-2-1-3"},{"clause":"7.2.1","heading":null,"page":4,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-total-permanent-disability-rider-terms-and-conditions-111b044v01/document/15388#c-7-2-1"},{"clause":"7.2.4","heading":"Unexpired Risk Premium = (80% x Premium*) x [Unexpired covered days## / Total covered","page":4,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-total-permanent-disability-rider-terms-and-conditions-111b044v01/document/15388#c-7-2-4"}],"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":"Not Applicable.","display":"Not Applicable.","note":null,"quote":"Paid – Up Value ... Not Applicable","sources":[{"clause":"7.1","heading":"Paid – Up Value","page":4,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-total-permanent-disability-rider-terms-and-conditions-111b044v01/document/15388#c-7-1"},{"clause":"7.1.1","heading":"Not Applicable","page":4,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-total-permanent-disability-rider-terms-and-conditions-111b044v01/document/15388#c-7-1-1"}],"law":[]},{"key":"revival","label":"Revival period","section":"Renewal and rights","meaning":"How long after lapsing you can restart the policy.","status":"not-stated","value":null,"display":null,"note":"The rider document refers to the Master Policy Document for revival details and does not state the revival period.","quote":null,"sources":[],"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":"Not Applicable.","display":"Not Applicable.","note":null,"quote":"Loan ... Not Applicable","sources":[{"clause":"4","heading":"Loan","page":4,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-total-permanent-disability-rider-terms-and-conditions-111b044v01/document/15388#c-4-2"},{"clause":"4.1","heading":"Not Applicable","page":4,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-total-permanent-disability-rider-terms-and-conditions-111b044v01/document/15388#c-4-1-2"}],"law":[]},{"key":"riders_available","label":"Riders available","section":"Cover","meaning":"Optional add-ons such as accidental death, critical illness or waiver of premium.","status":"not-applicable","value":null,"display":null,"note":"This product is itself an optional rider attached to a base policy; the supplied rider documents do not describe further riders available under it.","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 into question on any ground whatsoever after the expiry of three years from the date of policy. 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Section 45 for the Rider shall be applicable from the date of attachment of Rider to the Base Policy or from the date of revival of the Rider, as applicable.","sources":[{"clause":null,"heading":"Non-Disclosure","page":10,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-total-permanent-disability-rider-terms-and-conditions-111b044v01/document/15416#c-non-disclosure"},{"clause":"2","heading":"Section 45 of the Insurance Act 1938, as amended from time to time","page":7,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-total-permanent-disability-rider-terms-and-conditions-111b044v01/document/15388#c-2-4"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 45","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"tax_note","label":"Tax note in the document","section":"Premium","meaning":"What the document says about tax benefits. Not stated when it only says taxes are charged on the premium. Tax law changes; confirm separately.","status":"quote-verified","value":"You may be eligible for income tax benefits or exemptions as per the applicable income tax laws in India, subject to change from time to time; consult your tax advisor.","display":"May be eligible for Income Tax benefits/exemptions, subject to change","note":null,"quote":"You may be eligible for Income Tax benefits/exemptions as per the applicable income tax laws in India, which are subject to change from time to time. You may visit our website for further details. Please consult your tax advisor for details.","sources":[{"clause":null,"heading":"Tax Benefit","page":8,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-total-permanent-disability-rider-terms-and-conditions-111b044v01/document/15416#c-tax-benefit"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"The rider terms refer to the Master Policy Document for the free look period; the CIS states 30 days.","quote":"Grace Period: As per the Base Policy Free Look Cancellation: 30 days","sources":[{"clause":null,"heading":"Public","page":2,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-total-permanent-disability-rider-terms-and-conditions-111b044v01/document/15513#c-public"}],"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":"not-stated","value":null,"display":null,"note":"The documents state that the grace period is as per the base policy but do not give the number of days.","quote":null,"sources":[],"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":"Minimum entry age is 18 years and maximum entry age is 65 years.","display":"Minimum: 18 years; Maximum: 65 years","note":"From the brochure. Age is as on last birthday.","quote":"Entry age* | Minimum: 18 years | Maximum: 65 years","sources":[{"clause":null,"heading":"Eligibility Criteria","page":2,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-total-permanent-disability-rider-terms-and-conditions-111b044v01/document/15416#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":["annual","half-yearly","quarterly","monthly"],"display":"annual, half-yearly, quarterly or monthly","note":"From the brochure. The mode is the same as the premium payment option of the base policy.","quote":"Premium Payment | The premiums can be paid in annual, half-yearly, quarterly\nOption | or monthly modes however, it would be same as premium\npayment option of the base policy","sources":[{"clause":null,"heading":"Eligibility Criteria","page":2,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-total-permanent-disability-rider-terms-and-conditions-111b044v01/document/15416#c-eligibility-criteria"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"Daily room limit, if any.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Childbirth cover and any waiting period.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"ped_cover_group","label":"Pre-existing diseases","section":"Waiting periods","meaning":"Whether pre-existing diseases are covered from day one for the group.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"cis","label":"SBI Life - Group Accidental Total Permanent Disability Rider_CIS","pages":4,"fetched_at":"2026-10-17 20:02:08+00","source_url":"https://www.sbilife.co.in/documents/d/sbil/sbi-life-group-accidental-total-permanent-disability-rider_cis","url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-total-permanent-disability-rider-terms-and-conditions-111b044v01/document/15513"},{"kind":"rider","label":"SBI Life - Group Accidental Total Permanent Disability Rider_Terms & Conditions","pages":7,"fetched_at":"2026-10-17 19:57:58+00","source_url":"https://www.sbilife.co.in/documents/d/sbil/sbi-life-group-accidental-total-permanent-disability-rider-pol","url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-total-permanent-disability-rider-terms-and-conditions-111b044v01/document/15388"},{"kind":"rider","label":"SBI Life - Group Accidental Total Permanent Disability Rider","pages":11,"fetched_at":"2026-10-17 19:58:48+00","source_url":"https://www.sbilife.co.in/documents/d/sbil/sbi_life_-_group_rider_accidental_total_permanent_disability_brochure_eng","url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-total-permanent-disability-rider-terms-and-conditions-111b044v01/document/15416"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"SBI Life Insurance official website","url":"https://www.sbilife.co.in/","note":"Buy directly from the insurer."},{"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":"insurer","name":"Claim forms","url":"https://www.sbilife.co.in/customer-services/download-centre/claim-forms?category=286971","note":null},{"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":"insurer","name":"Grievance redressal","url":"https://www.sbilife.co.in/grievances","note":null},{"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."},{"purpose":"renew","kind":"insurer","name":"Pay renewal premium","url":"https://www.sbilife.co.in/SmartCare/pre/pay-renewal","note":null}],"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":"SBI Life - Group Accidental Total Permanent Disability Rider_Terms & Conditions (UIN 111B044V01), IndiaInsurances, https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-total-permanent-disability-rider-terms-and-conditions-111b044v01"}