{"uin":"111N175V02","name":"SBI Life - Smart Platina Advantage","url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-smart-platina-advantage-111n175v02","insurer":{"slug":"sbi-life-insurance","name":"SBI Life Insurance Company Limited","url":"https://indiainsurances.com/insurer/sbi-life-insurance"},"line":"life","category":"savings-life","category_name":"Endowment and savings plans","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"SBI Life – Smart Platina Advantage is an individual, non-linked, non-participating life insurance savings product with policy terms of 15, 20 or 30 years and limited premium payment terms of 7 or 10 years. It pays death benefit as the higher of sum assured on death plus accrued guaranteed additions or 105% of total premiums paid, and maturity benefit as sum assured on maturity plus accrued guaranteed additions.","analysis":{"state":"machine","analysed_at":"2026-10-20 00:58:41.222046+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 do not name any internal plan variants.","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":"The policy term is 15, 20 or 30 years. A 7-year premium payment term is available with 15-year or 20-year policy terms, and a 10-year premium payment term is available with 20-year or 30-year policy terms.","display":"15 years / 20 years / 30 years","note":null,"quote":"Premium Payment Term & Policy Term | Premium Payment Term | Policy Term\n7 years | 15 years / 20 years\n10 years | 20 years / 30 years","sources":[{"clause":null,"heading":"Eligibility Conditions","page":3,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-smart-platina-advantage-111n175v02/document/15389#c-eligibility-conditions"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"not-stated","value":null,"display":null,"note":"The CIS points to the claim section and website, but the provided clauses do not state a claim intimation deadline.","quote":null,"sources":[],"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":"not-stated","value":null,"display":null,"note":"The CIS provides a link for downloading claim forms and list of required documents, but the provided clauses do not list the claim documents.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"not-stated","value":null,"display":null,"note":"The CIS refers to a Turn Around Time pdf, but the provided clauses do not state a claim settlement time.","quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Suicide Exclusion"],"display":"Suicide exclusion within 12 months","note":"The provided base-product clauses state only the suicide exclusion; rider exclusions are referred to the rider brochure and are not treated as base-product exclusions.","quote":"Suicide Exclusion In case of death of the Life Assured due to suicide, within 12 months from the date of commencement of risk under the policy or from the date of revival of the policy, as applicable, death benefit will not be payable","sources":[{"clause":null,"heading":"Terms and Conditions","page":24,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-smart-platina-advantage-111n175v02/document/15389#c-terms-and-conditions"}],"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":"Complaints may be made to the Grievance Redressal Officer at SBI Life Insurance Company Limited, Central Processing Centre, Seawoods Grand Central, Navi Mumbai, by telephone at 022-6645 6200 or email at wecare@sbilife.co.in; senior citizens may write to wecare.seniorcitizen@sbilife.co.in. The CIS also gives the insurer grievance portal and Ombudsman link.","display":"Grievance Redressal Officer at SBI Life; phone 022-6645 6200; email wecare@sbilife.co.in","note":null,"quote":"Contact details of Grievance Redressal Officer: SBI Life Insurance Company Limited Central Processing Centre 7th Level (D Wing) & 8th Level, Seawoods Grand Central, Tower 2, Plot No R-1, Sector - 40, Seawoods, Nerul Node, Navi Mumbai - 400706 Telephone No. 022-6645 6200 Email - wecare@sbilife.co.in. Senior citizens can also write to Us on wecare.seniorcitizen@sbilife.co.in","sources":[{"clause":null,"heading":"CUSTOMER INFORMATION SHEET","page":2,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-smart-platina-advantage-111n175v02/document/15392#c-customer-information-sheet-2"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_assured","label":"Sum assured","section":"Cover","meaning":"The minimum and maximum life cover, or the rule that sets it (for example 10 times the annual premium).","status":"quote-verified","value":"Minimum sum assured is `1,69,855. Maximum is no limit, subject to Board Approved Underwriting Policy.","display":"Minimum: `1,69,855; Maximum: No limit, subject to Board Approved Underwriting Policy","note":null,"quote":"Sum Assured | Minimum: `1,69,855 | Maximum: No limit; subject to Board Approved Underwriting Policy.","sources":[{"clause":null,"heading":"Eligibility Conditions","page":3,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-smart-platina-advantage-111n175v02/document/15389#c-eligibility-conditions"}],"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":"If the life assured dies during the policy term while the policy is in force, the death benefit is paid as a lump sum and is the higher of Sum Assured on Death plus accrued Guaranteed Additions, or 105% of total premiums paid up to the date of death. Sum Assured on Death is the higher of Sum Assured or 11 times the annualized premium, and the policy terminates after payment.","display":"Higher of Sum Assured on Death plus accrued Guaranteed Additions, or 105% of Total Premiums Paid up to death","note":null,"quote":"Death Benefit is payable as lump sum, which is higher of the following: w Sum Assured on Death plus accrued Guaranteed Additions; OR ## w 105% of the Total Premiums Paid up to the date of death Where, $$ Sum Assured on Death is higher of Sum Assured or 11 times of Annualized Premium^ ... On payment of the Death Benefit, the policy terminates automatically and no further benefits will be available under the Policy.","sources":[{"clause":null,"heading":"Policy Term-15 Policy Term-20 Policy Term-30","page":4,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-smart-platina-advantage-111n175v02/document/15389#c-policy-term-15-policy-term-20-policy-term-30"}],"law":[]},{"key":"maturity_benefit","label":"Maturity benefit","section":"Cover","meaning":"What you get if you survive to the end of the term.","status":"quote-verified","value":"On survival of the life assured to the end of the policy term while the policy is in force, Sum Assured on Maturity plus accrued Guaranteed Additions is payable as a lump sum. Sum Assured on Maturity is equal to the Sum Assured, and a settlement option may be chosen at maturity.","display":"Sum Assured on Maturity plus accrued Guaranteed Additions, payable as a lumpsum","note":"Settlement option requires intimation at least 3 months before maturity and can pay maturity benefit in instalments for 2 to 7 years.","quote":"On survival of Life Assured till the end of the policy term, provided the policy is in force, Sum Assured on Maturity plus accrued Guaranteed Additions is payable as a lumpsum. Where, $$ Sum Assured on Maturity is equal to the Sum Assured ... Maturity Benefit under the product is payable in lumpsum by default, however, Settlement Option is available at policy maturity.","sources":[{"clause":null,"heading":"Policy Term-15 Policy Term-20 Policy Term-30","page":4,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-smart-platina-advantage-111n175v02/document/15389#c-policy-term-15-policy-term-20-policy-term-30"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"quote-verified","value":"Premiums are payable for a limited premium payment term of 7 years or 10 years. The 7-year premium payment term is available with 15-year or 20-year policy terms, and the 10-year premium payment term is available with 20-year or 30-year policy terms.","display":"7 years or 10 years","note":null,"quote":"Premium Payment Term & Policy Term | Premium Payment Term | Policy Term\n7 years | 15 years / 20 years\n10 years | 20 years / 30 years","sources":[{"clause":null,"heading":"Eligibility Conditions","page":3,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-smart-platina-advantage-111n175v02/document/15389#c-eligibility-conditions"}],"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 75 years, age last birthday.","display":"Maximum: 75 Years","note":null,"quote":"Age at Maturity (age last birthday) | Minimum: 18 Years | Maximum: 75 Years","sources":[{"clause":null,"heading":"Eligibility Conditions","page":3,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-smart-platina-advantage-111n175v02/document/15389#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":"If the life assured dies due to suicide within 12 months from commencement of risk or revival, the death benefit is not payable. The nominee or beneficiary is entitled to 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, higher of 80% of Total Premiums Paid or Surrender Value","note":null,"quote":"In case of death of the Life Assured due to suicide, within 12 months from the date of commencement of risk under the policy or from the date of revival of the policy, as applicable, death benefit will not be payable and the nominee or beneficiary of the ## policyholder shall be entitled to 80% of the Total Premiums Paid till the date of death or the Surrender Value available as on the date of death whichever is higher, provided the policy is in force.","sources":[{"clause":null,"heading":"Terms and Conditions","page":24,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-smart-platina-advantage-111n175v02/document/15389#c-terms-and-conditions"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 21","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 35","url":"https://indiainsurances.com/law/irdai-life-products-2024"}]},{"key":"surrender","label":"Surrender value","section":"Renewal and rights","meaning":"What you get if you stop the policy early, and from when.","status":"quote-verified","value":"The policyholder can surrender the policy any time during the policy term if one full policy year's premiums has been paid. The surrender value is the higher of Guaranteed Surrender Value and Special Surrender Value; GSV is acquired only if at least the first two consecutive policy years' premiums have been paid, while SSV becomes payable after completion of the first policy year if one full policy year's premium has been received.","display":"Higher of GSV and SSV; surrender after one full policy year's premiums paid","note":null,"quote":"The policyholder can surrender the policy at any time during the policy term provided one full policy year's premiums has been paid. The surrender value payable will be higher of Guaranteed Surrender value (GSV) and Special Surrender Value (SSV). ... The policy acquires Guaranteed Surrender Value (GSV) only if at least first two consecutive policy years' premiums have been paid. ... Special Surrender Value (SSV) shall become payable after completion of first policy year provided one full policy year's premium(s) has been received.","sources":[{"clause":null,"heading":"Surrender Benefit","page":23,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-smart-platina-advantage-111n175v02/document/15389#c-surrender-benefit"}],"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":"After completion of the first policy year, the policy becomes paid-up if at least the first full policy year's premiums have been paid and later premiums remain unpaid after the grace period. Reduced guaranteed additions accrue; paid-up death benefit is the higher of paid-up sum assured on death plus accrued guaranteed additions or 105% of total premiums paid, and paid-up maturity benefit is paid-up sum assured on maturity plus accrued guaranteed additions.","display":"Paid-up after first full policy year's premiums; reduced death and maturity benefits continue","note":null,"quote":"After completion of first policy year, the policy acquires Paid-Up status, if at least first full policy year's premium(s) has been paid, and any subsequent premiums have not been paid till the expiry of the grace period. ... If the policy acquires Paid-up status, Reduced Guaranteed Additions will accrue at the end of each policy year. ... On death of Life Assured during the policy term, Death Benefit is payable as lump sum, which is higher of the following: w Paid-up Sum Assured on Death plus accrued Guaranteed Additions; OR w ## 105% of the Total Premiums Paid up to the date of death ... Upon survival of the Life Assured till the end of policy term, Paid-up Sum Assured on Maturity plus accrued Guaranteed Additions is payable.","sources":[{"clause":null,"heading":"Paid-up Benefits","page":22,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-smart-platina-advantage-111n175v02/document/15389#c-paid-up-benefits"},{"clause":null,"heading":"Guaranteed Additions for Paid-up Policy","page":22,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-smart-platina-advantage-111n175v02/document/15389#c-guaranteed-additions-for-paid-up-policy"},{"clause":null,"heading":"Death Benefit for Paid-up Policy","page":22,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-smart-platina-advantage-111n175v02/document/15389#c-death-benefit-for-paid-up-policy"},{"clause":null,"heading":"Maturity Benefit for Paid-up Policy","page":23,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-smart-platina-advantage-111n175v02/document/15389#c-maturity-benefit-for-paid-up-policy"}],"law":[]},{"key":"revival","label":"Revival period","section":"Renewal and rights","meaning":"How long after lapsing you can restart the policy.","status":"quote-verified","value":"A lapsed or paid-up policy with riders, if applicable, may be revived for full benefits within five consecutive complete years from the date of the first unpaid premium, before maturity and while the life assured is alive, subject to written application, proof of continued insurability and payment of all due premiums with interest.","display":"Within five consecutive complete years from the date of the first unpaid premium","note":null,"quote":"A Lapsed or Paid-up Policy along with rider(s), if applicable, may be revived for full benefits within five consecutive complete years from the date of the first unpaid premium but before the date of maturity while the Life Assured is still alive. The revival will be considered on receipt of written application from the policyholder along with the proof of continued insurability of Life Assured and on payment of all due premiums with interest.","sources":[{"clause":null,"heading":"Terms and Conditions","page":24,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-smart-platina-advantage-111n175v02/document/15389#c-terms-and-conditions"}],"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 available during the policy term if the policy has acquired surrender value. The loan will not exceed 50% of the surrender value as on the date of availing the policy loan, and unpaid loan with interest is recovered from benefits payable under the policy.","display":"Available after surrender value is acquired, up to 50% of surrender value","note":null,"quote":"Policy Loan can be availed during the policy term provided the policy has acquired the Surrender Value. Policy Loan will not exceed 50% of the Surrender Value as on the date of availing the Policy Loan. ... The unpaid loan, if any along with outstanding interest due shall be recovered from the benefits payable under the Policy, at the time of any payment made under the Policy.","sources":[{"clause":null,"heading":"Terms and Conditions","page":24,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-smart-platina-advantage-111n175v02/document/15389#c-terms-and-conditions"}],"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 - Accident Benefit Rider: (UIN : 111B041V01) Option A: Accidental Death Benefit (ADB) Option B: Accidental Partial Permanent Disability Benefit (APPD)","SBI Life – Waiver of Premium Rider (UIN:111B048V01)"],"display":"SBI Life - Accident Benefit Rider and SBI Life – Waiver of Premium Rider","note":"Riders are optional add-ons and are not included in base policy benefits unless opted.","quote":"Riders | 1. SBI Life - Accident Benefit Rider: (UIN : 111B041V01) Option A: Accidental Death Benefit (ADB) Option B: Accidental Partial Permanent Disability Benefit (APPD) 2. SBI Life – Waiver of Premium Rider (UIN:111B048V01)","sources":[{"clause":null,"heading":"Eligibility Conditions","page":3,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-smart-platina-advantage-111n175v02/document/15389#c-eligibility-conditions"}],"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 three years from the date of the policy. Within three years it may be questioned on fraud or material misstatement or suppression, with written communication of the grounds and materials.","display":"No policy can be questioned after three years from the date of the policy","note":null,"quote":"No policy of life insurance shall be called in question on any ground whatsoever after the expiry of three years from the date of the policy. A policy of life insurance may be called in question at any time within three years from the date of the policy, on the ground of fraud or on the ground that any statement of or suppression of a fact material to the expectancy of the life of the insured was incorrectly made in the proposal or other document on the basis of which the policy was issued or revived or rider issued.","sources":[{"clause":null,"heading":"Extract of Section 45, as amended from time to time","page":29,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-smart-platina-advantage-111n175v02/document/15389#c-extract-of-section-45-as-amended-from-time-to-ti"}],"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 under applicable Indian income tax laws, subject to change, and should consult a tax advisor.","display":"May be eligible for Income Tax benefits/exemptions as per applicable income tax laws in India","note":null,"quote":"You may be eligible for Income Tax benefits/exemptions as per the applicable income tax laws in India, which are subject to change from time to time. You may visit our website for further details. Please consult your tax advisor for details.","sources":[{"clause":null,"heading":"Terms and Conditions","page":24,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-smart-platina-advantage-111n175v02/document/15389#c-terms-and-conditions"}],"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":"The policy holder has a free look period of 30 days beginning from the date of the receipt of the policy document, whether received electronically or otherwise, to review the terms and conditions of the policy.","sources":[{"clause":null,"heading":"Terms and Conditions","page":24,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-smart-platina-advantage-111n175v02/document/15389#c-terms-and-conditions"}],"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 and half-yearly premiums; 15 days for monthly premiums","note":"The 30-day value applies to yearly and half-yearly premiums; monthly premiums have a 15-day grace period.","quote":"A grace period of 30 days from the premium due date will be allowed for payment of yearly and half-yearly premiums and 15 days for monthly premiums. The policy will remain in-force during the grace period.","sources":[{"clause":null,"heading":"Terms and Conditions","page":24,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-smart-platina-advantage-111n175v02/document/15389#c-terms-and-conditions"}],"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 30 days and maximum entry age is 60 years, age last birthday.","display":"Minimum: 30 Days; Maximum: 60 Years","note":"If the life assured is a minor, the policy vests in the life of the minor insured once he or she attains majority, i.e. 18 years.","quote":"Age at Entry (age last birthday) | Minimum: 30 Days# | Maximum: 60 Years","sources":[{"clause":null,"heading":"Eligibility Conditions","page":3,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-smart-platina-advantage-111n175v02/document/15389#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":["Yearly","Half –Yearly","Monthly"],"display":"Yearly / Half –Yearly / Monthly","note":null,"quote":"Premium Frequency | Yearly / Half –Yearly / Monthly","sources":[{"clause":null,"heading":"Eligibility Conditions","page":3,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-smart-platina-advantage-111n175v02/document/15389#c-eligibility-conditions"}],"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":["Limited Premium Payment"],"display":"Limited Premium Payment","note":null,"quote":"Pay premiums for a Limited Period while enjoying life cover for entire Policy Term Ø Choose a convenient Limited Premium Payment Term of 7 years or 10 years","sources":[{"clause":null,"heading":"Key Features","page":2,"url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-smart-platina-advantage-111n175v02/document/15389#c-key-features"}],"law":[]},{"key":"guaranteed_benefits","label":"Guaranteed benefits","section":"Cover","meaning":"What is guaranteed, in rupees or as a formula, regardless of the insurer's performance.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"bonus","label":"Bonus type","section":"Cover","meaning":"Participating plans share profits as bonuses; these are NOT guaranteed.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"illustration_returns","label":"Illustrated returns","section":"Cover","meaning":"The benefit illustration at the IRDAI rates (4% and 8%); not a promise.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"money_back","label":"Survival or money-back payouts","section":"Cover","meaning":"Instalments paid during the term.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"prospectus","label":"Product Brochure/Prospectus","pages":30,"fetched_at":"2026-10-17 19:57:50+00","source_url":"https://www.sbilife.co.in/documents/d/sbil/sbi_life-_-_smart_platina_advantage_brochure_eng","url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-smart-platina-advantage-111n175v02/document/15389"},{"kind":"cis","label":"Customer Information Sheet (CIS)","pages":4,"fetched_at":"2026-10-17 19:58:06+00","source_url":"https://www.sbilife.co.in/documents/d/sbil/sbi-life-smart-platina-advantage-v02_cis_with-wop-rider_sample_-website","url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-smart-platina-advantage-111n175v02/document/15392"},{"kind":"brochure","label":"Product Guide","pages":4,"fetched_at":"2026-10-17 19:57:32+00","source_url":"https://www.sbilife.co.in/documents/d/sbil/smart_platina_advantage_leaflet_eng","url":"https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-smart-platina-advantage-111n175v02/document/15376"}],"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 - Smart Platina Advantage (UIN 111N175V02), IndiaInsurances, https://indiainsurances.com/policy/sbi-life-insurance/sbi-life-smart-platina-advantage-111n175v02"}