{"uin":"111N152V01","name":"SBI Life - Group Cover Shield","url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-cover-shield-111n152v01","insurer":{"slug":"sbi-life-insurance","name":"SBI Life Insurance Company Limited","url":"https://indiainsurances.com/insurer/sbi-life-insurance"},"line":"life","category":"group-life","category_name":"Group and credit life","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"SBI Life – Group Cover Shield is a group, non-linked, non-participating, pure risk, one-year renewable life insurance product. It pays the applicable Sum Assured on death, has no maturity benefit, and has a 30 day free-look period.","analysis":{"state":"machine","analysed_at":"2026-10-20 01:57:31.368952+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":"The documents describe options and riders, but no named plan variants inside the base product.","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":"One-year renewable life insurance product.","display":"One-Year Renewable","note":null,"quote":"Group Non-Linked Non-Participating Pure Risk One-\nYear Renewable Life insurance product","sources":[{"clause":null,"heading":"SBI Life Insurance Company Limited","page":1,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-cover-shield-111n152v01/document/15477#c-sbi-life-insurance-company-limited"}],"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 a claim through the Master Policyholder in writing with at least the Customer ID or SHG account number, cause of death and date of death. The claim should be filed at the earliest possible time following the claim event.","display":"In writing through the Master Policyholder, at the earliest possible time following the claim event","note":null,"quote":"The Claimant should intimate a claim through the Master Policyholder in writing stating at least the Customer ID or SHG account number, the cause of death and the date of death to the nearest SBI Life Office or SBI Life Insurance Co. Ltd, Claims Department, 7th Level (D Wing) & 8th Level, Seawoods Grand Central, Tower 2, Plot No. R-1, Sector 40, Seawoods, Nerul Node, Navi Mumbai - 400 706, Dist. Thane, Maharashtra. ... Claim under the Master Policy/Certificate of Insurance should be filed with Us at the earliest possible time following the claim event.","sources":[{"clause":"1.1","heading":null,"page":28,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-cover-shield-111n152v01/document/15477#c-1-1-3"},{"clause":"1.3","heading":null,"page":28,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-cover-shield-111n152v01/document/15477#c-1-3-4"}],"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":["Proof of insurance cover on the life of the deceased Member / COI","KYC documents of the Claimant","Claim forms in prescribed formats.","Valid Death Certificate from municipal / local authorities.","Membership form or assignment form (lender borrower scheme) if required needs to be submitted","Any other document which SBI Life calls at its discretion."],"display":"Proof of cover/COI, claimant KYC, claim forms, death certificate, membership or assignment form if required, and any other document SBI Life calls for","note":null,"quote":"- Proof of insurance cover on the life of the deceased Member / COI\n- KYC documents of the Claimant\n- Claim forms in prescribed formats.\n- Valid Death Certificate from municipal / local authorities.\n- Membership form or assignment form (lender borrower scheme) if required needs to be submitted\n- Any other document which SBI Life calls at its discretion.","sources":[{"clause":"1.2","heading":"We will require the following documents to process the claim","page":28,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-cover-shield-111n152v01/document/15477#c-1-2-4"}],"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 pdf, but do not print the claim settlement time in the policy wording.","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":["For compulsory employer-employees scheme, the suicide exclusion is not applicable.","For other schemes, death due to suicide within 12 months from commencement of risk or revival does not pay the Death Benefit; the claimant gets 80% of Total Premiums Paid or the Unexpired Risk Premium, whichever is higher.","No benefit is payable under a lapsed cover."],"display":"Suicide exclusion except compulsory employer-employee schemes; no benefit under lapsed cover","note":null,"quote":"For compulsory employer-employees scheme, the suicide exclusion is not applicable. ... For other schemes, in case of death of the Insured Member due to suicide, within 12 months from the Date of Commencement of risk of the Insured Member or date of revival of the cover, as applicable, we will not pay the Death Benefit and the Claimant shall be entitled to 80% of the Total Premiums Paid till the date of death or the Unexpired Risk Premium as on date of death, whichever is higher, provided the Insured Member’s Coverage under the Master Policy is in-force. ... No benefit is payable under a lapsed cover.","sources":[{"clause":"17.1","heading":null,"page":28,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-cover-shield-111n152v01/document/15477#c-17-1"},{"clause":"17.2","heading":null,"page":28,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-cover-shield-111n152v01/document/15477#c-17-2"},{"clause":"10.3","heading":null,"page":26,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-cover-shield-111n152v01/document/15477#c-10-3"}],"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 a query or grievance, approach the Company’s servicing branch or nearest SBI Life Office, call 1800 267 9090, or email wecare@sbilife.co.in. If not satisfied with the decision or no response is received within 15 days, contact the Head – Client Relationship at SBI Life before going to the Ombudsman.","display":"Servicing branch/nearest SBI Life Office, 1800 267 9090 or wecare@sbilife.co.in; then Head – Client Relationship after 15 days","note":null,"quote":"In case the Master Policyholder / Insured Member has any query or complaint/grievance, he/she may approach the Company’s Servicing Branch, as stated in the Premium Receipt issued to the Master Policyholder or the nearest SBI Life Office. ... Master Policyholder / Insured Member can also call us on Our toll-free number 1800 267 9090 (Customer Service Timing: .24X7) these timings are subject to change. ... You can also send an email to Us on wecare@sbilife.co.in ... In case the Master Policyholder / Insured Member is not satisfied with Our decision or has not received any response within 15 days, he/she may contact the following official for resolution:\nHead – Client Relationship, SBI Life Insurance Company Limited, 7th Level (D Wing) & 8th Level, Seawoods Grand Central, Tower 2, Plot No R-1, Sector-40, Seawoods, Nerul Node, Dist. Thane, Navi Mumbai-400 706 Telephone No.: +91 - 22 – 6645 6785 | E-mail: ccseoffice@sbilife.co.in","sources":[{"clause":"1","heading":null,"page":30,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-cover-shield-111n152v01/document/15477#c-1-9"},{"clause":"2","heading":null,"page":30,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-cover-shield-111n152v01/document/15477#c-2-7"},{"clause":"3","heading":"You can also send an email to Us on wecare@sbilife.co.in","page":30,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-cover-shield-111n152v01/document/15477#c-3-13"},{"clause":"4","heading":null,"page":30,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-cover-shield-111n152v01/document/15477#c-4-7"}],"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 Sum Assured is Rs. 10,000 per member. The maximum Sum Assured is offered based on the Board approved Underwriting Policy, and the member’s Sum Assured is as specified in the Certificate of Insurance or List of Members.","display":"Minimum Rs. 10,000 per member; maximum based on Board approved Underwriting Policy","note":"Minimum and maximum eligibility limits are stated in the prospectus; the actual member amount is specified in the Certificate of Insurance or List of Members.","quote":"Sum Assured | Minimum `10,000 per member\nThe maximum Sum Assured will be offered based on Board approved Underwriting Policy. ... Sum Assured | shall mean the amount of insurance payable as per the benefit description and as specified in the Certificate of Insurance or List of Members as applicable.","sources":[{"clause":null,"heading":"Eligibility Conditions","page":3,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-cover-shield-111n152v01/document/15502#c-eligibility-conditions"},{"clause":"1","heading":"Definitions","page":17,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-cover-shield-111n152v01/document/15477#c-1-2"}],"law":[]},{"key":"death_benefit","label":"Death benefit","section":"Cover","meaning":"What your family gets if you die during the term, and how it is calculated.","status":"quote-verified","value":"On death of the Insured Member while coverage is in force and the claim is admissible and payable, the Death Benefit equal to the Sum Assured applicable for the member is payable in lump sum, subject to a minimum of 105% of Total Premiums Paid for that member during the cover period. In lender-borrower schemes, the outstanding loan amount up to the Sum Assured may be paid to the Master Policyholder subject to prior authorization or assignment, with any balance paid to the nominee or beneficiary.","display":"Sum Assured applicable for the member in lump sum, minimum 105% of Total Premiums Paid","note":null,"quote":"On the death of the Insured Member provided the Coverage of the Insured Member is in force and the claim is found admissible and payable ... Death Benefit equal to the Sum Assured applicable for the member is payable in\nlumpsum. ... The minimum death benefit shall be atleast 105% of the Total Premiums Paid in respect\nof the member during the cover period. ... In the event of the Insured Member’s death the death benefit to the extent of outstanding loan amount (maximum upto the limit of Sum Assured applicable for the member), shall be payable to the Master Policyholder, subject to prior authorization/ assignment by the group member at inception, and balance, if any shall be payable to the nominee / beneficiary.","sources":[{"clause":"1.1","heading":null,"page":23,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-cover-shield-111n152v01/document/15477#c-1-1-2"},{"clause":"1.1.1","heading":"Death Benefit equal to the Sum Assured applicable for the member is payable in","page":23,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-cover-shield-111n152v01/document/15477#c-1-1-1"},{"clause":"1.1.2","heading":"The minimum death benefit shall be atleast 105% of the Total Premiums Paid in respect","page":23,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-cover-shield-111n152v01/document/15477#c-1-1-2-2"},{"clause":"1.2","heading":"Lender - Borrower schemes (for eligible entities)","page":23,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-cover-shield-111n152v01/document/15477#c-1-2-3"}],"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":"There is no maturity benefit under the product.","display":"No maturity benefit","note":null,"quote":"Maturity Benefit: There is no maturity benefit under the product.","sources":[{"clause":"2","heading":"Maturity Benefit","page":23,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-cover-shield-111n152v01/document/15477#c-2-4"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"not-stated","value":null,"display":null,"note":"The policy schedule has a placeholder for Premium Payment Term, but the documents do not print a product-level premium paying term.","quote":null,"sources":[],"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 80 Years. For life cover in lieu of EDLI scheme, maximum entry and maturity age may go beyond this limit because EDLI is mandatory while PF contributions are made to EPFO.","display":"Maximum 80 Years; EDLI may go beyond","note":null,"quote":"Maturity Age* Minimum: 19 Years | Maximum: 80 Years** ... ** For life cover in lieu of EDLI scheme, maximum entry and maturity age may go beyond the limit mentioned above since EDLI is a mandatory benefit to be provided till the PF contributions are made to EPFO.","sources":[{"clause":null,"heading":"Eligibility Conditions","page":3,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-cover-shield-111n152v01/document/15502#c-eligibility-conditions"}],"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":"For compulsory employer-employees schemes, suicide exclusion is not applicable. For other schemes, if the Insured Member dies due to suicide within 12 months from commencement of risk or revival, the Death Benefit is not paid and the claimant receives 80% of Total Premiums Paid or the Unexpired Risk Premium as on date of death, whichever is higher, provided the cover is in force; the cover then terminates.","display":"Compulsory employer-employee: not applicable; other schemes: suicide within 12 months pays 80% of Total Premiums Paid or Unexpired Risk Premium, whichever is higher","note":null,"quote":"For compulsory employer-employees scheme, the suicide exclusion is not applicable. ... For other schemes, in case of death of the Insured Member due to suicide, within 12 months from the Date of Commencement of risk of the Insured Member or date of revival of the cover, as applicable, we will not pay the Death Benefit and the Claimant shall be entitled to 80% of the Total Premiums Paid till the date of death or the Unexpired Risk Premium as on date of death, whichever is higher, provided the Insured Member’s Coverage under the Master Policy is in-force. ... After paying the benefit as applicable, the Insured Member’s cover under the Master Policy will be terminated.","sources":[{"clause":"17.1","heading":null,"page":28,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-cover-shield-111n152v01/document/15477#c-17-1"},{"clause":"17.2","heading":null,"page":28,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-cover-shield-111n152v01/document/15477#c-17-2"},{"clause":"17.3","heading":null,"page":28,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-cover-shield-111n152v01/document/15477#c-17-3"}],"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":"Surrender value is not applicable under the product; however, on surrender, Unexpired Risk Premium is payable. The formula printed is Unexpired Risk Premium = (80% x Premium) x [Unexpired covered days / Total covered days].","display":"No surrender value; Unexpired Risk Premium payable","note":null,"quote":"Surrender value is not applicable under the product, however on Surrender, Unexpired Risk Premium as per Clause II (11.1) would be payable ... On surrender by master policyholder / member, Unexpired Risk Premium will be\npayable. ... Unexpired Risk Premium = (80% x Premium*) x [Unexpired covered days## / Total\ncovered days#]","sources":[{"clause":"2.1","heading":null,"page":29,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-cover-shield-111n152v01/document/15477#c-2-1-6"},{"clause":"11.2.1","heading":"On surrender by master policyholder / member, Unexpired Risk Premium will be","page":26,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-cover-shield-111n152v01/document/15477#c-11-2-1"},{"clause":"11.2.4","heading":"Unexpired Risk Premium = (80% x Premium*) x [Unexpired covered days## / Total","page":26,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-cover-shield-111n152v01/document/15477#c-11-2-4"}],"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 under this master policy.","display":"Not applicable","note":null,"quote":"Paid-up value is not applicable under this master policy.","sources":[{"clause":"11.1.1","heading":null,"page":26,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-cover-shield-111n152v01/document/15477#c-11-1-1"}],"law":[]},{"key":"revival","label":"Revival period","section":"Renewal and rights","meaning":"How long after lapsing you can restart the policy.","status":"quote-verified","value":"Revival is not applicable for yearly premium payment mode. For half-yearly, quarterly and monthly modes, if premiums are not paid within the grace period, the master policy or member cover can be revived within the policy year; coverage recommences from reinstatement, no interest is charged, and revival is subject to underwriting and the Company communicating its decision in writing.","display":"Within policy year for half-yearly, quarterly and monthly modes; not applicable for yearly mode","note":null,"quote":"For Yearly Premium Payment Mode: Not Applicable. ... For Half- Yearly/ Quarterly/ Monthly Payment Mode: If premiums are not paid within the grace period, the master policy/ member cover as applicable shall lapse. The master policy/ member cover as applicable can be revived within policy year and the Coverage will recommence from the date of reinstatement and the premium will be collected accordingly. ... No interest is charged on revival. ... The revival will be effected subject to underwriting based on Company’s Board approved\nunderwriting policy. Revival will take effect only after the Company communicates its decision in writing.","sources":[{"clause":"12.1","heading":"For Yearly Premium Payment Mode","page":26,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-cover-shield-111n152v01/document/15477#c-12-1"},{"clause":"12.2","heading":"For Half- Yearly/ Quarterly/ Monthly Payment Mode","page":26,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-cover-shield-111n152v01/document/15477#c-12-2"},{"clause":"12.3","heading":null,"page":26,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-cover-shield-111n152v01/document/15477#c-12-3"},{"clause":"12.6","heading":"The revival will be effected subject to underwriting based on Company’s Board approved","page":26,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-cover-shield-111n152v01/document/15477#c-12-6"}],"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":"Policy loan is not applicable.","display":"Not applicable","note":null,"quote":"11. | Policy Loan | Not applicable | NA","sources":[{"clause":"Row 11","heading":"Policy Loan","page":6,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-cover-shield-111n152v01/document/15477#c-row-11"}],"law":[]},{"key":"riders_available","label":"Riders available","section":"Cover","meaning":"Optional add-ons such as accidental death, critical illness or waiver of premium.","status":"quote-verified","value":["SBI Life –Group Accidental Death Benefit Rider (UIN:111B043V01)","SBI Life –Group Accidental Partial Permanent Disability Rider (UIN:111B045V01)","SBI Life –Group Accidental Total Permanent Disability Rider (UIN:111B044V01)","SBI Life –Group Additional Critical Illness Rider (UIN:111B046V01)","SBI Life – Group Accelerated Critical Illness Rider (UIN: 111B047V01)"],"display":"Accidental Death Benefit, Accidental Partial Permanent Disability, Accidental Total Permanent Disability, Additional Critical Illness, and Accelerated Critical Illness riders","note":"Riders are optional and apply only if opted.","quote":"<< SBI Life –Group Accidental Death Benefit Rider (UIN:111B043V01) provides Sum Assured on Accidental Death of the Insured Member as per terms and conditions of the rider >> << SBI Life –Group Accidental Partial Permanent Disability Rider (UIN:111B045V01) provides Sum Assured on Accidental Partial Permanent Disability of the Insured Member as per terms and conditions of the rider >> << SBI Life –Group Accidental Total Permanent Disability Rider (UIN:111B044V01) provides Sum Assured on Accidental Total Permanent Disability of the Insured Member as per terms and conditions of the rider >> <<SBI Life –Group Additional Critical Illness Rider (UIN:111B046V01) provides Sum Assured on Insured Member being diagnosed with any of the specified Critical Illnesses as per terms and conditions of the rider.>> << SBI Life – Group Accelerated Critical Illness Rider (UIN: 111B047V01) provides Sum Assured on Insured Member being diagnosed with any of the specified Critical Illnesses as per terms and conditions of the rider.>>","sources":[{"clause":"Row 6","heading":"Riders opted, if any","page":5,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-cover-shield-111n152v01/document/15477#c-row-6"}],"law":[]},{"key":"section45","label":"Claims after 3 years (Section 45)","section":"Claims","meaning":"After 3 years a life policy cannot be questioned on any ground, and only for fraud with proof before that.","status":"quote-verified","value":"No policy of life insurance can be called in question on any ground after expiry of 3 years from issuance, commencement of risk, revival or rider, whichever is later. Within 3 years, it may be called in question for fraud or for material misstatement or suppression; for fraud, the insurer must communicate the grounds and materials, and for non-fraud misstatement repudiation the premiums collected are paid within 90 days.","display":"Cannot be questioned after 3 years; within 3 years for fraud or material misstatement 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\nwhichever is later. ... On the ground of fraud, a policy of Life Insurance may be called in question within 3 years from\na) the date of issuance of policy or\nb) the date of commencement of risk or\nc) the date of revival of policy or\nd) the date of rider to the policy\nwhichever is later.\nFor this, 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 in the proposal or other document basis which policy was issued or revived or rider issued. ... In case repudiation is on ground of mis-statement and not on fraud, the Premium collected on policy till the date of repudiation shall be paid to the insured or legal representative or Nominee or assignees of insured, within a period of 90 days from the date of repudiation.","sources":[{"clause":"01","heading":null,"page":38,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-cover-shield-111n152v01/document/15477#c-01-3"},{"clause":"02","heading":null,"page":38,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-cover-shield-111n152v01/document/15477#c-02-3"},{"clause":"06","heading":null,"page":38,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-cover-shield-111n152v01/document/15477#c-06-3"},{"clause":"07","heading":null,"page":38,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-cover-shield-111n152v01/document/15477#c-07-3"}],"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":"You or the Insured Members may be eligible for income tax benefits or exemptions as per applicable income tax laws in India, which are subject to change; the document says to consult a tax advisor.","display":"May be eligible for income tax benefits/exemptions; consult tax advisor","note":null,"quote":"You/ the Insured Members 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. Please consult Your tax advisor for details.","sources":[{"clause":"2.2","heading":null,"page":31,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-cover-shield-111n152v01/document/15477#c-2-2-3"}],"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/Insured Member have/has the option to cancel the Master Policy/Certificate of Insurance by sending a written request to the Company stating the reasons for objection within the Free Look Period of 30 days from the receipt of the Master Policy Document/Certificate of Insurance whether received electronically or otherwise. ... Your/Insured Members’ request for cancellation of this Master Policy/Certificate of Insurance must reach Your nearest SBI Life Office within a period of 30 days from the date of receipt of the Master Policy/Certificate of Insurance.","sources":[{"clause":"1.1","heading":"In case, You/Insured Member do/does not agree with any terms and conditions of the Master","page":29,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-cover-shield-111n152v01/document/15477#c-1-1-5"},{"clause":"1.3","heading":null,"page":29,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-cover-shield-111n152v01/document/15477#c-1-3-6"}],"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":15},"display":"15 days monthly; 30 days half-yearly and quarterly","note":"30 days for half yearly and quarterly premium payment mode. Grace period is not applicable for yearly premium payment mode and also applies to riders if opted.","quote":"A grace period of 15 days from premium due date for monthly premium payment mode and 30\ndays from the premium due date for half yearly and quarterly premium payment mode shall be allowed for the payment of premiums. ... Grace period will not be applicable for policies with yearly premium payment mode. ... The grace period, if applicable, will also apply to rider(s) also, if opted.","sources":[{"clause":"9.1","heading":"A grace period of 15 days from premium due date for monthly premium payment mode and 30","page":25,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-cover-shield-111n152v01/document/15477#c-9-1"},{"clause":"9.4","heading":null,"page":25,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-cover-shield-111n152v01/document/15477#c-9-4"},{"clause":"9.5","heading":null,"page":25,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-cover-shield-111n152v01/document/15477#c-9-5"}],"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 79 Years last birthday. For life cover in lieu of EDLI scheme, maximum entry and maturity age may go beyond this limit because EDLI is mandatory while PF contributions are made to EPFO.","display":"18 Years to 79 Years last birthday; EDLI may go beyond","note":null,"quote":"Entry age* Minimum: 18 Years | Maximum: 79 Years last birthday** ... *Age is as on last birthday\n** For life cover in lieu of EDLI scheme, maximum entry and maturity age may go beyond the limit mentioned above since EDLI is a mandatory benefit to be provided till the PF contributions are made to EPFO.","sources":[{"clause":null,"heading":"Eligibility Conditions","page":3,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-cover-shield-111n152v01/document/15502#c-eligibility-conditions"}],"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, Monthly","note":null,"quote":"31. Mode of Payment | << Annual, Half-Yearly, Quarterly, Monthly >>","sources":[{"clause":null,"heading":"A (V). Premium Details","page":11,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-cover-shield-111n152v01/document/15477#c-a-v-premium-details"}],"law":[]},{"key":"premium_type","label":"Premium payment type","section":"Premium","meaning":"Single premium, regular premium (every year of the term) or limited premium (fewer years than the term).","status":"not-stated","value":null,"display":null,"note":"The documents state premium payment modes and one-year renewable cover, but do not classify the premium type as single, regular or limited.","quote":null,"sources":[],"law":[]},{"key":"cover_basis","label":"Cover basis","section":"Cover","meaning":"Flat cover, salary multiple or loan outstanding.","status":"quote-verified","value":"The cover basis is determined by the Death Benefit formula in the Policy Schedule, with examples including flat cover, grade-based cover, CTC multiple, service benefit cover, or EDLI cover. In lender-borrower schemes, death benefit up to the outstanding loan amount is payable to the Master Policyholder subject to prior authorization or assignment, with the balance to the nominee or beneficiary.","display":"As per Policy Schedule: flat cover, grade-based cover, CTC multiple, service/EDLI cover, or loan outstanding for lender-borrower schemes","note":null,"quote":"18. Death Benefit | << complete formula of death benefit; for example: Flat cover of INR 20,00,000 Or Grade A: INR 10,00,000; Grade B: INR 15,00,000; Grade C: INR 20,00,000 Or 2 times the annual CTC subject to a minimum of INR 5,00,000 and a maximum of INR 40,00,000 Or Future / Total service benefit cover calculated as per the formula Or Uniform cover of INR 2,00,000, in lieu of Employees Deposit Linked Insurance (EDLI) >> ... In the event of the Insured Member’s death the death benefit to the extent of outstanding loan amount (maximum upto the limit of Sum Assured applicable for the member), shall be payable to the Master Policyholder, subject to prior authorization/ assignment by the group member at inception, and balance, if any shall be payable to the nominee / beneficiary.","sources":[{"clause":null,"heading":"A (III). The Master Policy Information","page":10,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-cover-shield-111n152v01/document/15477#c-a-iii-the-master-policy-information"},{"clause":"1.2","heading":"Lender - Borrower schemes (for eligible entities)","page":23,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-cover-shield-111n152v01/document/15477#c-1-2-3"}],"law":[]}],"documents":[{"kind":"wording","label":"Policy Document","pages":42,"fetched_at":"2026-10-17 20:00:48+00","source_url":"https://www.sbilife.co.in/documents/d/sbil/sbi-life-group-cover-shield-policy-document","url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-cover-shield-111n152v01/document/15477"},{"kind":"wording","label":"Certificate of Insurance_Terms & Conditions","pages":19,"fetched_at":"2026-10-17 20:00:56+00","source_url":"https://www.sbilife.co.in/documents/d/sbil/sbi-life-group-cover-shield-t-c-of-coi","url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-cover-shield-111n152v01/document/15479"},{"kind":"prospectus","label":"Product Brochure/Prospectus","pages":15,"fetched_at":"2026-10-17 20:01:32+00","source_url":"https://www.sbilife.co.in/documents/d/sbil/sbi_life_-_group_cover_shield_brochure_eng_web","url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-cover-shield-111n152v01/document/15502"},{"kind":"cis","label":"Customer Information Sheet (CIS) for COI","pages":4,"fetched_at":"2026-10-17 20:01:54+00","source_url":"https://www.sbilife.co.in/documents/d/sbil/customer-information-sheet-cis-for-coi-4","url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-cover-shield-111n152v01/document/15506"},{"kind":"cis","label":"Customer Information Sheet (CIS) for MPD","pages":4,"fetched_at":"2026-10-17 20:01:58+00","source_url":"https://www.sbilife.co.in/documents/d/sbil/customer-information-sheet-cis-for-mpd-4","url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-cover-shield-111n152v01/document/15508"},{"kind":"cis","label":"Certificate of Insurance & CIS","pages":7,"fetched_at":"2026-10-17 20:02:00+00","source_url":"https://www.sbilife.co.in/documents/d/sbil/certificate-of-insurance-cis-form-3","url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-cover-shield-111n152v01/document/15509"},{"kind":"brochure","label":"Product Guide","pages":2,"fetched_at":"2026-10-17 20:01:26+00","source_url":"https://www.sbilife.co.in/documents/d/sbil/sbi_life_-_group_cover_shield_leaflet_eng","url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-cover-shield-111n152v01/document/15493"}],"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 Cover Shield (UIN 111N152V01), IndiaInsurances, https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-group-cover-shield-111n152v01"}