{"uin":"111N141V02","name":"SBI Life - eShield Insta","url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-eshield-insta-111n141v02","insurer":{"slug":"sbi-life-insurance","name":"SBI Life Insurance Company Limited","url":"https://indiainsurances.com/insurer/sbi-life-insurance"},"line":"life","category":"term-life","category_name":"Term life","irdai_type":"Product","kind":"product","status":"active","approved_on":"2024-07-06","withdrawn_on":null,"summary":"SBI Life - eShield Insta is an individual non-linked non-participating life insurance product with Plan A Pure Term Insurance and Plan B Term Insurance with Return of Premium. The policy term is 10 years, with sum assured choices from Rs. 10,00,000 to Rs. 60,00,000 and death benefit paid as a lump sum.","analysis":{"state":"machine","analysed_at":"2026-10-19 23:49:57.575985+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Plan A: Pure Term Insurance","Plan B: Term Insurance with Return of Premium"],"display":"Plan A: Pure Term Insurance; Plan B: Term Insurance with Return of Premium","note":null,"quote":"There are two plan options available under this product: ... Plan A: Pure Term Insurance ... Plan B: Term Insurance with Return of Premium","sources":[{"clause":"1","heading":null,"page":22,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-eshield-insta-111n141v02/document/15454#c-1-8"},{"clause":"1.1","heading":"Plan A: Pure Term Insurance","page":22,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-eshield-insta-111n141v02/document/15454#c-1-1-2"},{"clause":"1.2","heading":"Plan B: Term Insurance with Return of Premium","page":22,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-eshield-insta-111n141v02/document/15454#c-1-2-3"}],"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":"10 Years","display":"10 Years","note":null,"quote":"Policy Term (in years) | 10 Years","sources":[{"clause":null,"heading":"Premium Frequency","page":13,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-eshield-insta-111n141v02/document/15481#c-premium-frequency"}],"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":"Claim under the policy should be filed at the earliest possible time following the claim event.","display":"At the earliest possible time following the claim event","note":null,"quote":"Claim under the Policy should be filed with Us at the earliest possible time following the claim event.","sources":[{"clause":"1.3","heading":null,"page":26,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-eshield-insta-111n141v02/document/15454#c-1-3-3"}],"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":["Policy Document","Original death certificate from municipal / local authorities","Claimant’s statement and claim forms in prescribed formats","Hospital records including discharge summary, etc., wherever applicable","Any other documents including Post-mortem report, First Information report where applicable","Any other document which SBI Life may call, if found necessary in support of the claim"],"display":"Policy Document; original death certificate; claimant statement and claim forms; hospital records; post-mortem/FIR if applicable; any other document SBI Life may call for","note":"Listed documents are for death claim processing.","quote":"Policy Document ... Original death certificate from municipal / local authorities ... Claimant’s statement and claim forms in prescribed formats ... Hospital records including discharge summary, etc., wherever applicable ... Any other documents including Post-mortem report, First Information report where applicable ... Any other document which SBI Life may call, if found necessary in support of the claim","sources":[{"clause":"1.2.1","heading":"Policy Document","page":26,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-eshield-insta-111n141v02/document/15454#c-1-2-1"},{"clause":"1.2.2","heading":"Original death certificate from municipal / local authorities","page":26,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-eshield-insta-111n141v02/document/15454#c-1-2-2-2"},{"clause":"1.2.3","heading":"Claimant’s statement and claim forms in prescribed formats","page":26,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-eshield-insta-111n141v02/document/15454#c-1-2-3-2"},{"clause":"1.2.4","heading":"Hospital records including discharge summary, etc., wherever applicable","page":26,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-eshield-insta-111n141v02/document/15454#c-1-2-4-2"},{"clause":"1.2.5","heading":null,"page":26,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-eshield-insta-111n141v02/document/15454#c-1-2-5"},{"clause":"1.2.6","heading":"Any other document which SBI Life may call, if found necessary in support of the claim","page":26,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-eshield-insta-111n141v02/document/15454#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 documents point to a downloadable Turn Around Time (TAT) PDF but do not print a claim settlement time.","quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["If the Life Assured, commits suicide, within 12 months, we will not pay the death benefit."],"display":"Suicide within 12 months","note":null,"quote":"If the Life Assured, commits suicide, within 12 months, we will not pay the death benefit.","sources":[{"clause":"12.1","heading":null,"page":25,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-eshield-insta-111n141v02/document/15454#c-12-1"}],"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":"For complaints or grievances, the policyholder may approach any SBI Life office, call the toll-free number or email wecare@sbilife.co.in. If not satisfied with the decision or no response is received within 15 days, the policyholder may write to the Grievance Redressal Officer before approaching the Insurance Ombudsman.","display":"Approach SBI Life office/call/email first; then Grievance Redressal Officer if not satisfied or no response within 15 days","note":null,"quote":"If You have any query, complaint or grievance, You may approach any of Our offices. ... You can also call Us on our toll-free number: 1800 267 9090 (Customer Service Timing: 24X7 and these timings are subject to change) ... You can also send an email to Us on wecare@sbilife.co.in ... If You are not satisfied with Our decision or have not received any response within 15 days, You may write to Us at:\nGrievance 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- 400 706.","sources":[{"clause":"1","heading":null,"page":28,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-eshield-insta-111n141v02/document/15454#c-1-11"},{"clause":"2","heading":"You can also call Us on our toll-free number","page":28,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-eshield-insta-111n141v02/document/15454#c-2-10"},{"clause":"3","heading":"You can also send an email to Us on wecare@sbilife.co.in","page":28,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-eshield-insta-111n141v02/document/15454#c-3-8"},{"clause":"4","heading":null,"page":28,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-eshield-insta-111n141v02/document/15454#c-4-9"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"For an in-force policy, on death during the policy term, Sum Assured on Death is payable as a lump sum. It is the higher of 11 times the Annualized Premium, Sum Assured, or 105% of Total Premiums Paid up to the date of death.","display":"Higher of 11 times Annualized Premium, Sum Assured, or 105% of Total Premiums Paid up to death, paid as lump sum","note":null,"quote":"If the Policy is In-Force as on the date of death of the Life Assured and if the claim is found admissible and payable, we will pay the Sum Assured on Death as lump sum, which is Higher of, 2.1.1. 11 times the Annualized Premium, or ... Sum Assured, or ... 105% of the Total Premiums Paid up to the date of death","sources":[{"clause":"2.1.1","heading":null,"page":22,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-eshield-insta-111n141v02/document/15454#c-2-1-1"},{"clause":"2.1.2","heading":"Sum Assured, or","page":22,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-eshield-insta-111n141v02/document/15454#c-2-1-2"},{"clause":"2.1.3","heading":null,"page":22,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-eshield-insta-111n141v02/document/15454#c-2-1-3"}],"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":"Plan A has no maturity benefit. Under Plan B, if the policy is in-force and the Life Assured survives till the end of the policy term, 100% of Total Premiums Paid is paid as a lump sum.","display":"Plan A: no maturity benefit; Plan B: 100% of Total Premiums Paid as lump sum","note":null,"quote":"Pure Term Insurance – There is no maturity benefit under this option. ... Term Insurance with Return of Premium – If your Policy is In-force and the Life Assured survives till the end of Policy Term, then we will pay 100% of Total Premiums Paid under this option as lump sum","sources":[{"clause":"4","heading":"Maturity Benefit","page":22,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-eshield-insta-111n141v02/document/15454#c-4-8"},{"clause":"4.1.2","heading":"Term Insurance with Return of Premium","page":23,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-eshield-insta-111n141v02/document/15454#c-4-1-2-2"}],"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 the same as the policy term, which is 10 Years, as a Regular Premium policy.","display":"Same as Policy Term (Regular Premium), 10 Years","note":null,"quote":"Policy Term (in years) | 10 Years ... Same as Policy Term (Regular Premium)","sources":[{"clause":null,"heading":"Premium Frequency","page":13,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-eshield-insta-111n141v02/document/15481#c-premium-frequency"},{"clause":null,"heading":"Premium Payment","page":13,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-eshield-insta-111n141v02/document/15481#c-premium-payment"}],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"quote-verified","value":"Maximum age at maturity is 60 years.","display":"60 years","note":null,"quote":"Maximum Age^ at ... 60 years Maturity","sources":[{"clause":null,"heading":"Maximum Age^ at","page":13,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-eshield-insta-111n141v02/document/15481#c-maximum-age-at"}],"law":[]},{"key":"suicide_clause","label":"Suicide clause","section":"Exclusions","meaning":"What is paid if death is by suicide within the first 12 months.","status":"quote-verified","value":"If death due to suicide occurs within 12 months from commencement of risk, the policy pays 80% of Total Premiums Paid till death, provided the policy is in force. If suicide occurs within 12 months from revival, it pays the higher of 80% of Total Premiums Paid till death or the Surrender Value available on the date of death, provided the policy is in-force.","display":"Within 12 months: 80% of Total Premiums Paid; within 12 months from revival: higher of 80% of Total Premiums Paid or Surrender Value","note":null,"quote":"If the Life Assured, commits suicide, within 12 months, we will not pay the death benefit. ... We will calculate 12 months from the date of commencement of risk or from the date of Revival of Policy, whichever is applicable. ... We will pay 80% of the Total Premiums Paid till the date of death, if death due to suicide occurs within 12 months from the date of commencement of risk, provided the Policy is In Force and thereafter the contract would cease. ... In case of suicide within 12 months from the date of Revival of the Policy, we will pay higher of 80% of the Total Premiums Paid till the date of death or the Surrender Value available on date of death, provided the Policy is In - Force and thereafter the Policy would cease.","sources":[{"clause":"12.1","heading":null,"page":25,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-eshield-insta-111n141v02/document/15454#c-12-1"},{"clause":"12.2","heading":null,"page":25,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-eshield-insta-111n141v02/document/15454#c-12-2-2"},{"clause":"12.3","heading":null,"page":25,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-eshield-insta-111n141v02/document/15454#c-12-3"},{"clause":"12.4","heading":null,"page":26,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-eshield-insta-111n141v02/document/15454#c-12-4"}],"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":"Plan A has no surrender facility. For Plan B, the policy may be surrendered during the policy term after one full policy year’s premium has been paid, and the higher of Guaranteed Surrender Value or Special Surrender Value is payable.","display":"Plan A: no surrender; Plan B: after one full policy year’s premium, higher of GSV or SSV","note":null,"quote":"Surrender facility is not available under this plan option ... You may Surrender Your Policy any time during the term of the Policy provided one full Policy year’s Premium has been paid. ... whichever is higher, if You decide to Surrender Your Policy. ... The Policy acquires Guaranteed Surrender Value only if at least first two consecutive Policy Years’ Premiums have been paid. ... The Special Surrender Value (SSV) becomes payable after completion of first policy year provided one full policy year’s premium (s) has been received.","sources":[{"clause":"7.2.1.1","heading":"Surrender facility is not available under this plan option","page":23,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-eshield-insta-111n141v02/document/15454#c-7-2-1-1"},{"clause":"7.2.2.1","heading":null,"page":24,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-eshield-insta-111n141v02/document/15454#c-7-2-2-1"},{"clause":"7.2.2.2","heading":"We will pay You either Guaranteed Surrender Value (GSV) or Special Surrender Value (SSV)","page":24,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-eshield-insta-111n141v02/document/15454#c-7-2-2-2-2"},{"clause":"7.2.2.3","heading":null,"page":24,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-eshield-insta-111n141v02/document/15454#c-7-2-2-3"},{"clause":"7.2.2.6","heading":null,"page":24,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-eshield-insta-111n141v02/document/15454#c-7-2-2-6"}],"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":"Plan A has no paid-up benefit. For Plan B, if at least one full policy year premium is paid and later premiums are not paid within the grace period, the policy acquires paid-up status and paid-up amounts are paid at maturity or death, whichever is earlier.","display":"Plan A: no paid-up benefit; Plan B: paid-up after at least one full policy year premium","note":null,"quote":"There is no Paid – Up benefit available under this plan option. ... If at least one full Policy year Premium is paid and the subsequent Premium/s is/are not duly paid within the Grace Period, then the Policy shall acquire Paid-Up status. ... The Paid-Up amount will be paid at the time of Maturity or at the time of death whichever is earlier.","sources":[{"clause":"7.1.1.1","heading":"There is no Paid","page":23,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-eshield-insta-111n141v02/document/15454#c-7-1-1-1"},{"clause":"7.1.2.1","heading":null,"page":23,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-eshield-insta-111n141v02/document/15454#c-7-1-2-1"},{"clause":"7.1.2.6","heading":null,"page":23,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-eshield-insta-111n141v02/document/15454#c-7-1-2-6"}],"law":[]},{"key":"revival","label":"Revival period","section":"Renewal and rights","meaning":"How long after lapsing you can restart the policy.","status":"quote-verified","value":"The policy can be revived during the revival period of 5 consecutive complete years from the date of the first unpaid premium and before expiry of the policy term, subject to revival request, health declaration/underwriting and payment of all due premiums with applicable interest.","display":"5 consecutive complete years from first unpaid premium and before expiry of policy term","note":null,"quote":"You can revive Your Policy during its Revival period of 5 consecutive complete years from the date of the First Unpaid Premium and before the expiry of Policy Term. ... You have to submit Good Health Declaration and satisfy other underwriting requirements, if any. ... You have to pay all due Premiums, not paid during the Revival Period, till the date of Revival, along with applicable interest.","sources":[{"clause":"8.2","heading":null,"page":24,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-eshield-insta-111n141v02/document/15454#c-8-2-2"},{"clause":"8.4","heading":null,"page":24,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-eshield-insta-111n141v02/document/15454#c-8-4"},{"clause":"8.6","heading":null,"page":24,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-eshield-insta-111n141v02/document/15454#c-8-6"}],"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":"Plan A has no loan facility. Under Plan B, a policy loan may be taken during the policy term once the policy has acquired surrender value, up to 50% of the surrender value on the date of availing the loan.","display":"Plan A: no loan; Plan B: up to 50% of Surrender Value","note":null,"quote":"Plan A: No Loan facility is available under this plan option. ... Plan B: You may apply for a Loan against Your Policy only during the Policy term, provided Your Policy has acquired the Surrender Value. ... Policy Loan shall not exceed 50% of the Surrender Value as on the date of availing the Policy Loan.","sources":[{"clause":"9.1","heading":"Plan A","page":25,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-eshield-insta-111n141v02/document/15454#c-9-1"},{"clause":"9.2","heading":"Plan B","page":25,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-eshield-insta-111n141v02/document/15454#c-9-2"},{"clause":"9.3","heading":null,"page":25,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-eshield-insta-111n141v02/document/15454#c-9-3"}],"law":[]},{"key":"riders_available","label":"Riders available","section":"Cover","meaning":"Optional add-ons such as accidental death, critical illness or waiver of premium.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"section45","label":"Claims after 3 years (Section 45)","section":"Claims","meaning":"After 3 years a life policy cannot be questioned on any ground, and only for fraud with proof before that.","status":"quote-verified","value":"No life insurance policy can be called in question on any ground after expiry of 3 years from the later of issuance, commencement of risk, revival or rider date. Within 3 years, it may be questioned for fraud or material misstatement/suppression, with written communication of the grounds and materials.","display":"Cannot be questioned after 3 years; within 3 years for fraud or material misstatement/suppression with written grounds","note":null,"quote":"No Policy of Life Insurance shall be called in question on any ground whatsoever after expiry of 3 yrs from\na) the date of issuance of policy or\nb) the date of commencement of risk or\nc) the date of revival of policy or\nd) the date of rider to the policy whichever is later. ... On the ground of fraud, a policy of Life Insurance may be called in question within 3 years ... the insurer should communicate in writing to the insured or legal representative or nominee or assignees of insured, as applicable, mentioning the ground and materials on which such decision is based. ... Life insurance Policy can be called in question within 3 years on the ground that any statement of or suppression of a fact material to expectancy of life of the insured was incorrectly made","sources":[{"clause":"01","heading":null,"page":36,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-eshield-insta-111n141v02/document/15454#c-01-3"},{"clause":"02","heading":null,"page":36,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-eshield-insta-111n141v02/document/15454#c-02-3"},{"clause":"06","heading":null,"page":36,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-eshield-insta-111n141v02/document/15454#c-06-3"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 45","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"tax_note","label":"Tax note in the document","section":"Premium","meaning":"What the document says about tax benefits. Not stated when it only says taxes are charged on the premium. Tax law changes; confirm separately.","status":"quote-verified","value":"The document says the policyholder may be eligible for income tax benefits or exemptions as per applicable income tax laws in India, subject to change, and should consult a tax advisor.","display":"May be eligible for Income Tax benefits/exemptions as per applicable Income Tax Laws","note":null,"quote":"You may be eligible for Income Tax benefits/exemptions as per the applicable Income Tax Laws in India, which are subject to change from time to time. You may consult Your tax advisor on applicable tax benefits under the Policy","sources":[{"clause":"2.3","heading":null,"page":29,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-eshield-insta-111n141v02/document/15454#c-2-3-3"}],"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":"You have a Free Look Period of 30 days beginning from the date of the receipt of this Policy Document, whether received electronically or otherwise, to review the terms and conditions of the Policy.","sources":[{"clause":"1.1","heading":null,"page":27,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-eshield-insta-111n141v02/document/15454#c-1-1-4"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days for Yearly Premium Payment Frequency; 15 days for monthly Premium Payment Frequency","note":"The duration value uses the yearly premium frequency; monthly premium frequency has 15 days.","quote":"You can pay Your Premiums within a Grace Period of 30 days from the Premium due date in case of Yearly Premium Payment Frequency and 15 days for monthly Premium Payment Frequency.","sources":[{"clause":"5.1","heading":null,"page":23,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-eshield-insta-111n141v02/document/15454#c-5-1"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"Minimum entry age is 18 years and maximum entry age is 50 years.","display":"Minimum: 18 years; Maximum: 50 years","note":"All age references are age as on last birthday.","quote":"Age^ at Entry Minimum: 18 years | Maximum: 50 years","sources":[{"clause":null,"heading":"Who can avail this Plan?","page":13,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-eshield-insta-111n141v02/document/15481#c-who-can-avail-this-plan"}],"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":["Yearly","Monthly"],"display":"Yearly or Monthly","note":null,"quote":"the Premium frequency will be Yearly or Monthly.","sources":[{"clause":"Part B","heading":null,"page":19,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-eshield-insta-111n141v02/document/15454#c-part-b-4"}],"law":[]},{"key":"premium_type","label":"Premium payment type","section":"Premium","meaning":"Single premium, regular premium (every year of the term) or limited premium (fewer years than the term).","status":"quote-verified","value":["Regular Premium"],"display":"Regular Premium","note":null,"quote":"Same as Policy Term (Regular Premium)","sources":[{"clause":null,"heading":"Premium Payment","page":13,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-eshield-insta-111n141v02/document/15481#c-premium-payment"}],"law":[]},{"key":"return_of_premium","label":"Return of premium option","section":"Cover","meaning":"Whether premiums come back if you survive the term, and at what cost. 'No' only when the document says no maturity benefit is payable.","status":"quote-verified","value":"Plan B is a return of premium option: if the policy is in-force and the Life Assured survives to the end of the policy term, 100% of Total Premiums Paid is payable as a lump sum. Plan A has no maturity benefit.","display":"Plan B returns 100% of Total Premiums Paid at maturity; Plan A has no maturity benefit","note":null,"quote":"Pure Term Insurance – There is no maturity benefit under this option. ... Term Insurance with Return of Premium – If your Policy is In-force and the Life Assured survives till the end of Policy Term, then we will pay 100% of Total Premiums Paid under this option as lump sum","sources":[{"clause":"4","heading":"Maturity Benefit","page":22,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-eshield-insta-111n141v02/document/15454#c-4-8"},{"clause":"4.1.2","heading":"Term Insurance with Return of Premium","page":23,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-eshield-insta-111n141v02/document/15454#c-4-1-2-2"}],"law":[]},{"key":"payout_options","label":"Payout options","section":"Cover","meaning":"Lump sum, monthly income, or a mix for your family.","status":"quote-verified","value":"Death benefit is paid as a lump sum.","display":"Lump sum","note":null,"quote":"we will pay the Sum Assured on Death as lump sum","sources":[{"clause":"2.1.1","heading":null,"page":22,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-eshield-insta-111n141v02/document/15454#c-2-1-1"}],"law":[]},{"key":"terminal_illness","label":"Terminal illness benefit","section":"Cover","meaning":"Whether part of the cover is paid early on diagnosis of a terminal illness.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"increasing_cover","label":"Increasing or life-stage cover","section":"Cover","meaning":"Options to raise cover over time or at marriage or childbirth.","status":"quote-verified","value":"The product provides a fixed life cover throughout the policy term; no increasing or life-stage cover option is stated.","display":"Fixed life cover throughout the Policy Term","note":null,"quote":"The product provides the Life Assured a fixed life cover throughout the Policy Term.","sources":[{"clause":"1","heading":null,"page":22,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-eshield-insta-111n141v02/document/15454#c-1-8"}],"law":[]},{"key":"waiver_of_premium","label":"Waiver of premium","section":"Cover","meaning":"Whether future premiums stop on disability or critical illness.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"medicals","label":"Medical tests","section":"Eligibility","meaning":"Whether medical tests are needed, and at what cover.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Policy Document","pages":40,"fetched_at":"2026-10-17 20:00:08+00","source_url":"https://www.sbilife.co.in/documents/d/sbil/policy-document-12","url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-eshield-insta-111n141v02/document/15454"},{"kind":"prospectus","label":"Product Brochure/Prospectus","pages":21,"fetched_at":"2026-10-17 20:00:52+00","source_url":"https://www.sbilife.co.in/documents/d/sbil/product-brochure-prospectus-12","url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-eshield-insta-111n141v02/document/15481"},{"kind":"cis","label":"Customer Information Sheet (CIS)","pages":4,"fetched_at":"2026-10-17 20:01:36+00","source_url":"https://www.sbilife.co.in/documents/d/sbil/customer-information-sheet-cis-11","url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-eshield-insta-111n141v02/document/15498"},{"kind":"brochure","label":"Product Guide","pages":4,"fetched_at":"2026-10-17 20:00:46+00","source_url":"https://www.sbilife.co.in/documents/d/sbil/product-guide-11","url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-eshield-insta-111n141v02/document/15475"}],"versions":[{"uin":"111N141V01","version":null,"approved_on":null},{"uin":"111N141V02","version":null,"approved_on":null}],"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 - eShield Insta (UIN 111N141V02), IndiaInsurances, https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-eshield-insta-111n141v02"}