{"uin":"111B047V01","name":"SBI Life - Group Accelerated Critical Illness Rider_Terms & Conditions","url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accelerated-critical-illness-rider-terms-and-conditions-111b047v01","insurer":{"slug":"sbi-life-insurance","name":"SBI Life Insurance Company Limited","url":"https://indiainsurances.com/insurer/sbi-life-insurance"},"line":"life","category":"critical-illness","category_name":"Critical illness","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"SBI Life – Group Accelerated Critical Illness Rider is a group, non-linked, non-participating health insurance pure risk rider that pays the Critical Illness Sum Assured in lumpsum on diagnosis of specified critical illnesses. The sales brochure states a 1 year term, entry age 18 years to 65 years, rider sum assured from `10,000 to `1,00,00,000, a 90 days waiting period and a 30 days survival period.","analysis":{"state":"machine","analysed_at":"2026-10-20 01:56:16.555289+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 sales brochure.","quote":"Policy Term & | 1 year\nPremium Payment | The Rider term should be equal to the outstanding policy\nTerm 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-accelerated-critical-illness-rider-terms-and-conditions-111b047v01/document/15411#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 should intimate the insurer in writing at the earliest possible time following diagnosis of the covered critical illness, stating at least the policy number, date of diagnosis and nature of the illness or claim.","display":"In writing at the earliest possible time following the claim event","note":null,"quote":"The Claimant should intimate Us about the diagnosis of the covered CI of the insured member in writing, stating at least the Policy number, date of diagnosis of the CI and the nature of the illness/claim of the insured member. ... Claim should be filed with Us at the earliest possible time following the claim event. Please note that delays may impact the claim settlement process.","sources":[{"clause":"1.1","heading":null,"page":8,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accelerated-critical-illness-rider-terms-and-conditions-111b047v01/document/15375#c-1-1-4"},{"clause":"1.5","heading":null,"page":8,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accelerated-critical-illness-rider-terms-and-conditions-111b047v01/document/15375#c-1-5-3"}],"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":["COI and rider document","Claimant’s statement and claim forms in prescribed formats","Treating doctor’s/physician's certificate","Attested True Copy of Indoor Case Papers of the Hospital(s)","Discharge Summary of Present and Past Hospitalizations","First Consultation and all Follow up consultation notes","Proof of the diagnosis of critical illness, satisfactory to the Insurer including medical reports","Laboratory Test Reports","X-Ray/CT Scan/MRI Reports & Plates","Ultrasonography Report","Histopathology Report","Clinical/Hospital Reports","Angiography Reports & Plates","Any other Investigation Report","Employer Certificate, where applicable","Leave records and mediclaim details, where applicable","KYC documents (Photo Id & address proof)","Any other document as the company may require depending on type / cause of claim"],"display":"COI and rider document; claim forms; doctor certificate; hospital papers; discharge summary; consultation notes; diagnosis proof and medical reports; employer, leave/mediclaim and KYC documents; any other required document","note":null,"quote":"We will require the following documents to process the claim ... COI and rider document ... Claimant’s statement and claim forms in prescribed formats ... Treating doctor’s/physician's certificate ... Attested True Copy of Indoor Case Papers of the Hospital(s) ... Discharge Summary of Present and Past Hospitalizations ... First Consultation and all Follow up consultation notes ... Proof of the diagnosis of critical illness, satisfactory to the Insurer including medical reports including: ... Laboratory Test Reports ... X-Ray/CT Scan/MRI Reports & Plates ... Ultrasonography Report ... Histopathology Report ... Clinical/Hospital Reports ... Angiography Reports & Plates ... Any other Investigation Report ... Employer Certificate, where applicable ... Leave records and mediclaim details, where applicable ... KYC documents (Photo Id & address proof) ... Any other document as the company may require depending on type / cause of claim","sources":[{"clause":"1.2","heading":"We will require the following documents to process the claim","page":8,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accelerated-critical-illness-rider-terms-and-conditions-111b047v01/document/15375#c-1-2-3"},{"clause":"1.2.1","heading":"COI and rider document","page":8,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accelerated-critical-illness-rider-terms-and-conditions-111b047v01/document/15375#c-1-2-1"},{"clause":"1.2.2","heading":"Claimant’s statement and claim forms in prescribed formats","page":8,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accelerated-critical-illness-rider-terms-and-conditions-111b047v01/document/15375#c-1-2-2-2"},{"clause":"1.2.3","heading":"Treating doctor’s/physician's certificate","page":8,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accelerated-critical-illness-rider-terms-and-conditions-111b047v01/document/15375#c-1-2-3-2"},{"clause":"1.2.4","heading":"Attested True Copy of Indoor Case Papers of the Hospital(s)","page":8,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accelerated-critical-illness-rider-terms-and-conditions-111b047v01/document/15375#c-1-2-4"},{"clause":"1.2.5","heading":"Discharge Summary of Present and Past Hospitalizations","page":8,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accelerated-critical-illness-rider-terms-and-conditions-111b047v01/document/15375#c-1-2-5"},{"clause":"1.2.6","heading":"First Consultation and all Follow up consultation notes","page":8,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accelerated-critical-illness-rider-terms-and-conditions-111b047v01/document/15375#c-1-2-6"},{"clause":"1.2.7","heading":null,"page":8,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accelerated-critical-illness-rider-terms-and-conditions-111b047v01/document/15375#c-1-2-7"},{"clause":"1.2.7.1","heading":"Laboratory Test Reports","page":8,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accelerated-critical-illness-rider-terms-and-conditions-111b047v01/document/15375#c-1-2-7-1"},{"clause":"1.2.7.2","heading":"X-Ray/CT Scan/MRI Reports & Plates","page":8,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accelerated-critical-illness-rider-terms-and-conditions-111b047v01/document/15375#c-1-2-7-2"},{"clause":"1.2.7.3","heading":"Ultrasonography Report","page":8,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accelerated-critical-illness-rider-terms-and-conditions-111b047v01/document/15375#c-1-2-7-3"},{"clause":"1.2.7.4","heading":"Histopathology Report","page":8,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accelerated-critical-illness-rider-terms-and-conditions-111b047v01/document/15375#c-1-2-7-4"},{"clause":"1.2.7.5","heading":"Clinical/Hospital Reports","page":8,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accelerated-critical-illness-rider-terms-and-conditions-111b047v01/document/15375#c-1-2-7-5"},{"clause":"1.2.7.6","heading":"Angiography Reports & Plates","page":8,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accelerated-critical-illness-rider-terms-and-conditions-111b047v01/document/15375#c-1-2-7-6"},{"clause":"1.2.7.7","heading":"Any other Investigation Report","page":8,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accelerated-critical-illness-rider-terms-and-conditions-111b047v01/document/15375#c-1-2-7-7"},{"clause":"1.2.8","heading":"Employer Certificate, where applicable","page":8,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accelerated-critical-illness-rider-terms-and-conditions-111b047v01/document/15375#c-1-2-8"},{"clause":"1.2.9","heading":"Leave records and mediclaim details, where applicable","page":8,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accelerated-critical-illness-rider-terms-and-conditions-111b047v01/document/15375#c-1-2-9"},{"clause":"1.2.10","heading":"KYC documents (Photo Id & address proof)","page":8,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accelerated-critical-illness-rider-terms-and-conditions-111b047v01/document/15375#c-1-2-10"},{"clause":"1.2.11","heading":"Any other document as the company may require depending on type / cause of claim","page":8,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accelerated-critical-illness-rider-terms-and-conditions-111b047v01/document/15375#c-1-2-11"}],"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 the claim will be paid if found admissible, but does not state a settlement deadline.","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":["If member is diagnosed with critical illness during the waiting period, no critical illness benefits are payable.","If a member is diagnosed with critical illness as defined below and death of an insured member occurs within survival period, then no critical illness benefits are payable.","No critical illness benefit shall be paid on diagnosis of critical illness due to attempted suicide within one year from the date of commencement of Membership.","Any critical illness which occurred within 90 days of the Entry Date or the date of Revival.","The Member committing or attempting to commit a criminal act whether alone or with others;","The Member’s intentional self-inflicted injury, attempted suicide.","War, invasion, civil war, rebellion or riot;","Alcohol or Solvent abuse or taking of Drugs, narcotics or psychotropic substances unless taken in accordance with the lawful directions and prescription of a registered medical practitioner;","Taking part in any naval, military or air force operation during peace time.","Engaging in or taking part in hazardous activities, including but not limited to, diving or riding or any kind of race; martial arts; hunting; mountaineering; parachuting; bungee-jumping; underwater activities involving the use of breathing apparatus or not;","Participation by the insured person in any flying activity, except as a bona fide, fare-paying passenger of a recognized airline on regular routes and on a scheduled timetable.","Any Pre-existing medical condition.","For any medical condition or any medical procedure arising from nuclear contamination;","Any External Congenital Anomaly which is not as a consequence of Genetic disorder.","Unreasonable failure to seek or follow medical advice or treatment or the Life Insured has delayed medical treatment in order to circumvent the waiting period or other conditions and restriction applying to this policy."],"display":"Waiting period; death within survival period; attempted suicide within one year; criminal act; intentional self-inflicted injury; war/riot; alcohol or drug abuse; military operation; hazardous activities; non-passenger flying; pre-existing medical condition; nuclear contamination; external congenital anomaly; failure to seek or follow medical advice","note":null,"quote":"If member is diagnosed with critical illness during the waiting period, no critical illness benefits are payable. ... If a member is diagnosed with critical illness as defined below and death of an insured member occurs within survival period, then no critical illness benefits are payable. ... No critical illness benefit shall be paid on diagnosis of critical illness due to attempted suicide within one year from the date of commencement of Membership. ... Any critical illness which occurred within 90 days of the Entry Date or the date of Revival. ... The Member committing or attempting to commit a criminal act whether alone or with others; ... The Member’s intentional self-inflicted injury, attempted suicide. ... War, invasion, civil war, rebellion or riot; ... Alcohol or Solvent abuse or taking of Drugs, narcotics or psychotropic substances unless taken in accordance with the lawful directions and prescription of a registered medical practitioner; ... Taking part in any naval, military or air force operation during peace time. ... Engaging in or taking part in hazardous activities, including but not limited to, diving or riding or any kind of race; martial arts; hunting; mountaineering; parachuting; bungee-jumping; underwater activities involving the use of breathing apparatus or not; ... Participation by the insured person in any flying activity, except as a bona fide, fare-paying passenger of a recognized airline on regular routes and on a scheduled timetable. ... Any Pre-existing medical condition. “Pre-existing medical condition” definition will be as per health regulation ... For any medical condition or any medical procedure arising from nuclear contamination; the\nradioactive, explosive or hazardous nature of nuclear fuel materials or property contaminated by nuclear fuel materials or accident arising from such nature; ... Any External Congenital Anomaly which is not as a consequence of Genetic disorder. ... Unreasonable failure to seek or follow medical advice or treatment or the Life Insured has delayed medical treatment in order to circumvent the waiting period or other conditions and restriction applying to this policy.","sources":[{"clause":"1.1.2","heading":"There","page":3,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accelerated-critical-illness-rider-terms-and-conditions-111b047v01/document/15375#c-1-1-2-2"},{"clause":"1.1.3","heading":null,"page":3,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accelerated-critical-illness-rider-terms-and-conditions-111b047v01/document/15375#c-1-1-3"},{"clause":"14.1","heading":null,"page":7,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accelerated-critical-illness-rider-terms-and-conditions-111b047v01/document/15375#c-14-1"},{"clause":"14.2.1","heading":null,"page":7,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accelerated-critical-illness-rider-terms-and-conditions-111b047v01/document/15375#c-14-2-1"},{"clause":"14.2.2","heading":null,"page":7,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accelerated-critical-illness-rider-terms-and-conditions-111b047v01/document/15375#c-14-2-2"},{"clause":"14.2.3","heading":null,"page":7,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accelerated-critical-illness-rider-terms-and-conditions-111b047v01/document/15375#c-14-2-3"},{"clause":"14.2.4","heading":null,"page":7,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accelerated-critical-illness-rider-terms-and-conditions-111b047v01/document/15375#c-14-2-4"},{"clause":"14.2.5","heading":null,"page":7,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accelerated-critical-illness-rider-terms-and-conditions-111b047v01/document/15375#c-14-2-5"},{"clause":"14.2.7","heading":null,"page":7,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accelerated-critical-illness-rider-terms-and-conditions-111b047v01/document/15375#c-14-2-7"},{"clause":"14.2.8","heading":null,"page":7,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accelerated-critical-illness-rider-terms-and-conditions-111b047v01/document/15375#c-14-2-8"},{"clause":"14.2.10","heading":null,"page":7,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accelerated-critical-illness-rider-terms-and-conditions-111b047v01/document/15375#c-14-2-10"},{"clause":"14.2.11","heading":null,"page":7,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accelerated-critical-illness-rider-terms-and-conditions-111b047v01/document/15375#c-14-2-11"},{"clause":"14.2.12","heading":"For any medical condition or any medical procedure arising from nuclear contamination; the","page":7,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accelerated-critical-illness-rider-terms-and-conditions-111b047v01/document/15375#c-14-2-12"},{"clause":"14.2.13","heading":null,"page":7,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accelerated-critical-illness-rider-terms-and-conditions-111b047v01/document/15375#c-14-2-13"},{"clause":"14.2.14","heading":null,"page":7,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accelerated-critical-illness-rider-terms-and-conditions-111b047v01/document/15375#c-14-2-14"}],"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 the Grievance Redressal Officer at SBI Life Insurance Company Limited Central Processing Centre, Navi Mumbai, telephone 022-6645 6200, email wecare@sbilife.co.in, or register through https://www.sbilife.co.in/en/grievances. The CIS also gives the Ombudsman link.","display":"Grievance Redressal Officer, SBI Life Central Processing Centre; phone 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 Contact details of Ombudsman: https://cioins.co.in/ombudsman","sources":[{"clause":null,"heading":"Public","page":3,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accelerated-critical-illness-rider-terms-and-conditions-111b047v01/document/15510#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 `1,00,00,000 per member. 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Not Applicable.","sources":[{"clause":null,"heading":"Death Benefit","page":5,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accelerated-critical-illness-rider-terms-and-conditions-111b047v01/document/15375#c-death-benefit"},{"clause":"4.1","heading":null,"page":6,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accelerated-critical-illness-rider-terms-and-conditions-111b047v01/document/15375#c-4-1-2"}],"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":"Maturity Benefit is not applicable under this rider.","display":"Not applicable","note":null,"quote":"Maturity Benefit ... Not Applicable.","sources":[{"clause":null,"heading":"Maturity Benefit","page":6,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accelerated-critical-illness-rider-terms-and-conditions-111b047v01/document/15375#c-maturity-benefit"},{"clause":"5.1","heading":null,"page":6,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accelerated-critical-illness-rider-terms-and-conditions-111b047v01/document/15375#c-5-1"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"quote-verified","value":"The premium payment term is 1 year, and the rider term should be equal to the outstanding policy term of the base policy to which it is attached.","display":"1 year; 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\nTerm 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-accelerated-critical-illness-rider-terms-and-conditions-111b047v01/document/15411#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-accelerated-critical-illness-rider-terms-and-conditions-111b047v01/document/15411#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":"Critical illness due to attempted suicide is separately excluded under the critical illness exclusions.","quote":"Suicide Claim Provision: ... Not Applicable.","sources":[{"clause":null,"heading":"EXCLUSIONS","page":7,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accelerated-critical-illness-rider-terms-and-conditions-111b047v01/document/15375#c-exclusions"},{"clause":"13.1","heading":null,"page":7,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accelerated-critical-illness-rider-terms-and-conditions-111b047v01/document/15375#c-13-1"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 21","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 35","url":"https://indiainsurances.com/law/irdai-life-products-2024"}]},{"key":"surrender","label":"Surrender value","section":"Renewal and rights","meaning":"What you get if you stop the policy early, and from when.","status":"quote-verified","value":"The rider may be surrendered by the master policyholder or member 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; formula (80% x Premium) x [Unexpired covered days / Total covered days]","note":null,"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":9,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accelerated-critical-illness-rider-terms-and-conditions-111b047v01/document/15375#c-2-1-4"},{"clause":"9.2.1","heading":null,"page":6,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accelerated-critical-illness-rider-terms-and-conditions-111b047v01/document/15375#c-9-2-1"},{"clause":"9.2.4","heading":"Unexpired Risk Premium = (80% x Premium*) x [Unexpired covered days## / Total covered","page":6,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accelerated-critical-illness-rider-terms-and-conditions-111b047v01/document/15375#c-9-2-4"}],"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":"Paid-up Value is not applicable.","display":"Not applicable","note":null,"quote":"Paid-up Value ... Not Applicable","sources":[{"clause":"9.1","heading":"Paid-up Value","page":6,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accelerated-critical-illness-rider-terms-and-conditions-111b047v01/document/15375#c-9-1"},{"clause":"9.1.1","heading":"Not Applicable","page":6,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accelerated-critical-illness-rider-terms-and-conditions-111b047v01/document/15375#c-9-1-1"}],"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 for revival details and does not state a 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":"Loan is not applicable under this rider.","display":"Not applicable","note":null,"quote":"6 Loan ... 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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 in the proposal or other document on the basis of which the policy was issued or revived or rider issued.","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-accelerated-critical-illness-rider-terms-and-conditions-111b047v01/document/15375#c-2-11"},{"clause":"2","heading":"Any person making default in complying with the provisions of this section shall be","page":12,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accelerated-critical-illness-rider-terms-and-conditions-111b047v01/document/15411#c-2"}],"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. 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Please consult your tax advisor for details.","sources":[{"clause":null,"heading":"General Terms","page":11,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accelerated-critical-illness-rider-terms-and-conditions-111b047v01/document/15411#c-general-terms"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":null,"quote":"Free Look Cancellation: 30 days","sources":[{"clause":null,"heading":"Public","page":3,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accelerated-critical-illness-rider-terms-and-conditions-111b047v01/document/15510#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 document refers to the Master Policy/Base Policy for the grace period and does not state a 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 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-accelerated-critical-illness-rider-terms-and-conditions-111b047v01/document/15411#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 sales brochure; the rider mode must be the same as the base policy premium payment option.","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-accelerated-critical-illness-rider-terms-and-conditions-111b047v01/document/15411#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":"The documents state payment modes but do not classify the premium payment type as single, regular or limited.","quote":null,"sources":[],"law":[]},{"key":"illness_count","label":"Number of illnesses covered","section":"Cover","meaning":"How many critical illnesses are listed. The definitions matter more than the count.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"illness_list","label":"Illnesses covered","section":"Cover","meaning":"The listed illnesses. Standard definitions are set by IRDAI.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"payout","label":"Payout","section":"Cover","meaning":"Lump sum on diagnosis, staged payouts by severity, or reimbursement.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"survival_period","label":"Survival period","section":"Waiting periods","meaning":"Days you must survive after diagnosis before the money is paid.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"multiple_claims","label":"Multiple claims","section":"Cover","meaning":"Whether you can claim for more than one illness.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"ped_waiting","label":"Pre-existing conditions","section":"Waiting periods","meaning":"Whether an illness you already had can ever be claimed: after a waiting period, or never.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]}],"documents":[{"kind":"cis","label":"SBI Life - Group Accelerated Critical Illness Rider_CIS","pages":5,"fetched_at":"2026-10-17 20:02:02+00","source_url":"https://www.sbilife.co.in/documents/d/sbil/sbi-life-group-accelerated-critical-illness-rider-cis","url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accelerated-critical-illness-rider-terms-and-conditions-111b047v01/document/15510"},{"kind":"rider","label":"SBI Life - Group Accelerated Critical Illness Rider_Terms & Conditions","pages":10,"fetched_at":"2026-10-17 19:57:28+00","source_url":"https://www.sbilife.co.in/documents/d/sbil/sbi-life-group-accelerated-critical-illness-rider-pol","url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accelerated-critical-illness-rider-terms-and-conditions-111b047v01/document/15375"},{"kind":"rider","label":"SBI Life - Group Accelerated Critical Illness Rider","pages":14,"fetched_at":"2026-10-17 19:58:38+00","source_url":"https://www.sbilife.co.in/documents/d/sbil/sbi_life_-_group_accelerated_critical_illness_rider_brochure_eng","url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accelerated-critical-illness-rider-terms-and-conditions-111b047v01/document/15411"}],"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 Accelerated Critical Illness Rider_Terms & Conditions (UIN 111B047V01), IndiaInsurances, https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-accelerated-critical-illness-rider-terms-and-conditions-111b047v01"}