{"uin":"111B045V01","name":"SBI Life - Group Accidental Partial Permanent Disability Rider_Terms & Conditions","url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-partial-permanent-disability-rider-terms-and-condition-111b045v01","insurer":{"slug":"sbi-life-insurance","name":"SBI Life Insurance Company Limited","url":"https://indiainsurances.com/insurer/sbi-life-insurance"},"line":"life","category":"personal-accident","category_name":"Personal accident","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"SBI Life – Group Accidental Partial Permanent Disability Rider is a group, non-linked, non-participating, health insurance pure risk rider that pays a percentage of rider sum assured for accidental partial permanent disability. The brochure states entry age 18 years to 65 years, rider term 1 year, rider sum assured `10,000 to `1,50,00,000 per member, and no maturity benefit.","analysis":{"state":"machine","analysed_at":"2026-10-20 01:56:53.387721+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":"No named plan variants are stated in the rider documents.","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 should be equal to the outstanding policy term of the base policy","note":"From the sales 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-partial-permanent-disability-rider-terms-and-condition-111b045v01/document/15420#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":8,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-partial-permanent-disability-rider-terms-and-condition-111b045v01/document/15383#c-1-1-2"}],"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"],"display":"Rider document; claim forms; FIR; MLC report/certificate; disability certificate; physician statements; KYC; bank account proof","note":"The insurer may call for other documents or information if necessary.","quote":"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","sources":[{"clause":"1.2.1","heading":null,"page":8,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-partial-permanent-disability-rider-terms-and-condition-111b045v01/document/15383#c-1-2-1-2"},{"clause":"1.2.2","heading":null,"page":8,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-partial-permanent-disability-rider-terms-and-condition-111b045v01/document/15383#c-1-2-2-2"},{"clause":"1.2.3","heading":null,"page":8,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-partial-permanent-disability-rider-terms-and-condition-111b045v01/document/15383#c-1-2-3-2"},{"clause":"1.2.4","heading":null,"page":8,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-partial-permanent-disability-rider-terms-and-condition-111b045v01/document/15383#c-1-2-4"},{"clause":"1.2.5","heading":"KYC of claimant","page":8,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-partial-permanent-disability-rider-terms-and-condition-111b045v01/document/15383#c-1-2-5"},{"clause":"1.2.6","heading":"Valid bank account proof of Claimant (copy of cancelled cheque/copy of bank pass book/Bank","page":9,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-partial-permanent-disability-rider-terms-and-condition-111b045v01/document/15383#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 rider says delays may impact claim settlement and may request additional information, but it does not state a 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":["Drug Abuse: The Life assured is 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.","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;","Aviation: Life assured participation in any flying activity, other than as a passenger in a commercially licensed aircraft.","Criminal acts: Life assured involvement in Criminal and/or unlawful acts with criminal or unlawful intent.","Any injury incurred before the effective date of the cover;","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; bungeejumping;","Nuclear Contamination: the radio-active, explosive or hazardous nature of nuclear fuel materials or property contaminated by nuclear fuel materials or accident arising from such nature;"],"display":"Drug abuse; self-inflicted injury; war and civil commotion; services; aviation; criminal acts; injury before effective date; hazardous sports and pastimes; nuclear contamination","note":null,"quote":"Exclusions: The Accidental partial permanent disability benefit shall not be payable on disablement of the insured person occurring directly or indirectly as a result of (any of the following): ... Drug Abuse: The Life assured is 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. ... 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; ... Aviation: Life assured participation in any flying activity, other than as a passenger in a commercially licensed aircraft. ... Criminal acts: Life assured involvement in Criminal and/or unlawful acts with criminal or unlawful intent. ... Any injury incurred before the effective date of the cover; ... 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; bungeejumping; ... Nuclear Contamination: the radio-active, explosive or hazardous nature of nuclear fuel materials or property contaminated by nuclear fuel materials or accident arising from such nature;","sources":[{"clause":"12","heading":"Exclusions","page":8,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-partial-permanent-disability-rider-terms-and-condition-111b045v01/document/15383#c-12"},{"clause":"12.1","heading":"Drug Abuse","page":8,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-partial-permanent-disability-rider-terms-and-condition-111b045v01/document/15383#c-12-1"},{"clause":"12.2","heading":"Self-inflicted Injury","page":8,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-partial-permanent-disability-rider-terms-and-condition-111b045v01/document/15383#c-12-2"},{"clause":"12.3","heading":"War and Civil Commotion","page":8,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-partial-permanent-disability-rider-terms-and-condition-111b045v01/document/15383#c-12-3"},{"clause":"12.4","heading":"Services","page":8,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-partial-permanent-disability-rider-terms-and-condition-111b045v01/document/15383#c-12-4"},{"clause":"12.5","heading":"Aviation","page":8,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-partial-permanent-disability-rider-terms-and-condition-111b045v01/document/15383#c-12-5"},{"clause":"12.6","heading":"Criminal acts","page":8,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-partial-permanent-disability-rider-terms-and-condition-111b045v01/document/15383#c-12-6"},{"clause":"12.7","heading":null,"page":8,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-partial-permanent-disability-rider-terms-and-condition-111b045v01/document/15383#c-12-7"},{"clause":"12.8","heading":"Hazardous sports and pastimes","page":8,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-partial-permanent-disability-rider-terms-and-condition-111b045v01/document/15383#c-12-8"},{"clause":"12.9","heading":"Nuclear Contamination","page":8,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-partial-permanent-disability-rider-terms-and-condition-111b045v01/document/15383#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":"Contact the insurer's Grievance Redressal Officer at SBI Life Insurance Company Limited, Central Processing Centre, Seawoods Grand Central, Navi Mumbai, telephone 022-6645 6200, email wecare@sbilife.co.in, or register on the insurer's grievance portal before using the Ombudsman route.","display":"Contact SBI Life Grievance Redressal Officer or register at 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\n• 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-partial-permanent-disability-rider-terms-and-condition-111b045v01/document/15514#c-public"},{"clause":null,"heading":"Public","page":3,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-partial-permanent-disability-rider-terms-and-condition-111b045v01/document/15514#c-public-2"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_assured","label":"Sum assured","section":"Cover","meaning":"The minimum and maximum life cover, or the rule that sets it (for example 10 times the annual premium).","status":"quote-verified","value":"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 sales brochure. This is the rider sum assured, not the base policy life cover.","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-partial-permanent-disability-rider-terms-and-condition-111b045v01/document/15420#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 under this rider.","display":"Not applicable","note":null,"quote":"Death Benefit ... Not Applicable.","sources":[{"clause":"2","heading":"Death Benefit","page":6,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-partial-permanent-disability-rider-terms-and-condition-111b045v01/document/15383#c-2-2"},{"clause":"2.1","heading":null,"page":6,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-partial-permanent-disability-rider-terms-and-condition-111b045v01/document/15383#c-2-1-2"}],"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 under this rider.","display":"Not applicable","note":null,"quote":"Maturity Benefit ... Not Applicable.","sources":[{"clause":"3","heading":"Maturity Benefit","page":6,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-partial-permanent-disability-rider-terms-and-condition-111b045v01/document/15383#c-3-2"},{"clause":"3.1","heading":null,"page":6,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-partial-permanent-disability-rider-terms-and-condition-111b045v01/document/15383#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":"Premium payment term is 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 sales 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-partial-permanent-disability-rider-terms-and-condition-111b045v01/document/15420#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 sales 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-partial-permanent-disability-rider-terms-and-condition-111b045v01/document/15420#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 under this rider.","display":"Not applicable","note":null,"quote":"Suicide Claim Provision: Not Applicable.","sources":[{"clause":"11","heading":"Suicide Claim Provision","page":8,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-partial-permanent-disability-rider-terms-and-condition-111b045v01/document/15383#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":"On surrender by the master policyholder or member, Unexpired Risk Premium is payable. Unexpired Risk Premium = (80% x Premium*) x [Unexpired covered days## / Total covered days#], but it is not available if any percentage of Accidental Partial Permanent Disability Sum Assured has been paid.","display":"Unexpired Risk Premium payable; formula: (80% x Premium*) x [Unexpired covered days## / Total covered days#]","note":null,"quote":"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# ] ... Unexpired Risk Premium is not available for the member if any percentage of Accidental\nPartial Permanent Disability Sum Assured has been paid.","sources":[{"clause":"7.2.1","heading":null,"page":7,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-partial-permanent-disability-rider-terms-and-condition-111b045v01/document/15383#c-7-2-1"},{"clause":"7.2.4","heading":"Unexpired Risk Premium = (80% x Premium*) x [Unexpired covered days## / Total covered","page":7,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-partial-permanent-disability-rider-terms-and-condition-111b045v01/document/15383#c-7-2-4"},{"clause":"7.2.6","heading":"Unexpired Risk Premium is not available for the member if any percentage of Accidental","page":7,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-partial-permanent-disability-rider-terms-and-condition-111b045v01/document/15383#c-7-2-6"}],"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":"Paid-up value is not applicable.","display":"Not applicable","note":null,"quote":"Paid – Up Value ... Not Applicable","sources":[{"clause":"7.1","heading":"Paid – Up Value","page":7,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-partial-permanent-disability-rider-terms-and-condition-111b045v01/document/15383#c-7-1"},{"clause":"7.1.1","heading":"Not Applicable","page":7,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-partial-permanent-disability-rider-terms-and-condition-111b045v01/document/15383#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 wording points to the Master Policy for revival details and the brochure says revival would be the same as the base product, but no revival period is stated.","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":"Loan is not applicable under this rider.","display":"Not applicable","note":null,"quote":"Loan ... Not Applicable..","sources":[{"clause":"4","heading":"Loan","page":7,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-partial-permanent-disability-rider-terms-and-condition-111b045v01/document/15383#c-4-2"},{"clause":"4.1","heading":null,"page":7,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-partial-permanent-disability-rider-terms-and-condition-111b045v01/document/15383#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 document is itself a rider attached to a base policy, not a base life product offering optional riders.","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":"Section 45 applies to the rider from the date of attachment of the rider to the base policy or from the date of revival of the rider, as applicable. The brochure states that no life insurance policy can be called into question on any ground after three years from the date of policy, and within three years it may be called into question for fraud or material misstatement/suppression.","display":"Section 45 applies from rider attachment or revival; no questioning after three years from date of policy","note":"The detailed Section 45 extract is from the sales brochure; the rider policy document says a simplified version is in the Master Policy Document.","quote":"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. ... 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. A policy of life insurance may be called into question at anytime within three years from the date of policy, on the ground of fraud or on the ground that any statement of or suppression of a fact material to the expectancy of the life of the insured was incorrectly made","sources":[{"clause":"2","heading":"Section 45 of the Insurance Act 1938, as amended from time to time","page":10,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-partial-permanent-disability-rider-terms-and-condition-111b045v01/document/15383#c-2-5"},{"clause":null,"heading":"Non-Disclosure","page":13,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-partial-permanent-disability-rider-terms-and-condition-111b045v01/document/15420#c-non-disclosure"}],"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 applicable income tax laws in India, which are subject to change from time to time, and should consult a tax advisor.","display":"May be eligible for Income Tax benefits/exemptions as per applicable income tax laws","note":"From the sales brochure.","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":11,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-partial-permanent-disability-rider-terms-and-condition-111b045v01/document/15420#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 policy document refers to the Master Policy Document for free-look details; the CIS states 30 days.","quote":"Free Look Cancellation: 30 days","sources":[{"clause":null,"heading":"Public","page":3,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-partial-permanent-disability-rider-terms-and-condition-111b045v01/document/15514#c-public-2"}],"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 rider wording points to the Master Policy and the CIS says grace period is as per the Base Policy, but no number of days is stated.","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 sales 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-partial-permanent-disability-rider-terms-and-condition-111b045v01/document/15420#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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"The documents state premium modes and a 1 year premium payment term, but do not classify the premium payment type as single, regular or limited.","quote":null,"sources":[],"law":[]},{"key":"accidental_death","label":"Accidental death","section":"Cover","meaning":"What is paid if an accident causes death.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"permanent_total_disability","label":"Permanent total disability","section":"Cover","meaning":"What is paid for permanent total disability.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"permanent_partial_disability","label":"Permanent partial disability","section":"Cover","meaning":"The table of payouts for losing a limb, eye, hearing...","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"temporary_total_disability","label":"Temporary total disability","section":"Cover","meaning":"Weekly income paid while you cannot work after an accident.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"accident_medical","label":"Accident medical expenses","section":"Cover","meaning":"Treatment costs after an accident.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"occupation_classes","label":"Occupation rules","section":"Eligibility","meaning":"Whether your job affects cover or premium.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"cis","label":"SBI Life - Group Accidental Partial Permanent Disability Rider_CIS","pages":4,"fetched_at":"2026-10-17 20:02:06+00","source_url":"https://www.sbilife.co.in/documents/d/sbil/sbi-life-group-accidental-partial-permanent-disability-rider","url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-partial-permanent-disability-rider-terms-and-condition-111b045v01/document/15514"},{"kind":"rider","label":"SBI Life - Group Accidental Partial Permanent Disability Rider_Terms & Conditions","pages":10,"fetched_at":"2026-10-17 19:57:48+00","source_url":"https://www.sbilife.co.in/documents/d/sbil/sbi-life-group-accidental-partial-permanent-disability-rider-1","url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-partial-permanent-disability-rider-terms-and-condition-111b045v01/document/15383"},{"kind":"rider","label":"SBI Life - Group Accidental Partial Permanent Disability Rider","pages":14,"fetched_at":"2026-10-17 19:58:58+00","source_url":"https://www.sbilife.co.in/documents/d/sbil/sbi_life_-_group_rider_accidental_partial_permanent_disability_brochure_eng","url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-partial-permanent-disability-rider-terms-and-condition-111b045v01/document/15420"}],"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 Partial Permanent Disability Rider_Terms & Conditions (UIN 111B045V01), IndiaInsurances, https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accidental-partial-permanent-disability-rider-terms-and-condition-111b045v01"}